- April 23, 2024
- Posted by: legaleseblogger
- Category: Related News
Try Free Now: Legalese tool without registration
## Dealing with Unrecognized Monthly Charges: A Case Study
### Background:
For the past 2 years, a mysterious $30 monthly charge has been debited from my business account to a credit website that I have no recollection of signing up for or using. After attempting to contact the website’s customer service, I ran into roadblocks such as being asked for my Social Security number and facing difficulty in deleting my account.
### Current Situation:
Despite canceling the payment plan, I am unable to remove my account and have had no success in reaching a representative from the company. This has left me feeling uneasy about the security of my information and the ongoing charges.
### Seeking Solutions:
1. **Bank Dispute:** Is it possible to dispute these charges with my bank and potentially reclaim the money that has been deducted over the past 2 years?
2. **Change of Card:** Should I consider getting a new card to prevent further unauthorized charges and safeguard my financial information?
### AI Legalese Decoder Assistance:
By utilizing the AI Legalese Decoder, I can gain insights into the legal implications of disputing recurring charges with my bank and understand my rights as a consumer in this situation. The Decoder can provide guidance on the best course of action to protect my assets and rectify the unauthorized transactions.
Try Free Now: Legalese tool without registration
AI Legalese Decoder: Simplifying Legal Jargon
In today’s complex legal landscape, understanding the intricacies of contracts, agreements, and other legal documents can be a daunting task. Oftentimes, these documents are filled with dense legal language that can be difficult to decipher for the average person. This can lead to confusion, misunderstandings, and potentially costly mistakes.
The AI Legalese Decoder is a cutting-edge tool that is designed to simplify legal jargon and make it more accessible to a wider audience. By utilizing advanced artificial intelligence technology, the decoder is able to break down complex legal language into clear, easy-to-understand terms. This can help individuals, businesses, and legal professionals alike to quickly and accurately interpret the contents of any legal document.
With the AI Legalese Decoder, users can simply upload a document or paste in the text that they would like to decode. The tool will then analyze the language used and provide a simplified version that is easier to comprehend. This can save time and effort, and ensure that all parties involved are on the same page when it comes to understanding the legal implications of a document.
Overall, the AI Legalese Decoder is a valuable resource for anyone who deals with legal documents on a regular basis. By simplifying complex legal jargon, it can help to prevent misunderstandings, errors, and disputes, ultimately leading to smoother and more efficient interactions within the legal realm.
****** just grabbed a
It’s your responsibility to monitor your accounts and report fraudulent charges in a timely manner. Not that this is fraudulent, you probably signed up for something and don’t remember.
You can dispute anything, but don’t expect it to be successful.
>My question is can I dispute this with my bank and get that money back for those 2 years?
Unlikely. If you dispute it, the first question an investigator will ask is “If you aren’t okay with these charges, why did you ignore them for two years?”
“I didn’t remember”, and “I never looked too closely at my statement” aren’t going to be sufficient answers for the dispute to end in your favor.
>
>Or should I just get a new card.
To what end? If you still owe the company money for this subscription, or the subscription has not actually been cancelled, ditching this card and getting a new one won’t make that go away.
>
>Don’t recall signing up or ever using that website
What’s the website? Is it possible you signed up for a free trial and then let it roll? The odds that they found out your payment info and fraudulently signed you up without your knowledge are pretty slim… I mean, considering that you found the sign-up email and got back into your account says to me that you forgot about using it, rather than that they randomly targeted you.
Probably depends on the bank. I had a similar issue a few months back (with one of my Chase CCs)- had a recurring subscription for ‘The Athletic’ website that had been active for 19 months. No idea where it came from, never even heard of the site before. Slipped through for me too, because that card has had a balance for too long… I called Chase Fraud and they cancelled the subscription, refunded me the $7.99 x 19, and reissued a new card for me.
I didn’t even ask for the refund, I simply stated I have no idea what it is, I never signed up for this- and just wanted the subscription removed from my Card. I contacted ‘the Athletic’ to inquire/get the account removed and they were not helpful- as they kept responding saying “sign in and cancel your subscription” even when I said there is NO account with MY email in the first place. Crazy.
Worst they can do is say no, might as well try! Also, lesson learned for you (and me too) to check all accounts weekly/monthly!
> A monthly payment slipped through the cracks of my business account for 2 years. $30/MO to some credit website. Don’t recall signing up or ever using that website. I tried calling but they ask for my social to locate me. I hung up, I found an email from them on my junk folder so I logged in and canceled the payment plan but I can’t delete the account and can’t talk to anyone by phone. I don’t want to get a new card but I feel eerie about not being able to delete my account and can’t even get a hold of anyone in that company. My question is can I dispute this with my bank and get that money back for those 2 years? Or should I just get a new card. Has anyone experienced something similar?
you said you called them and then hung up on them.
so you can get a hold of someone you just don’t want to talk to them?
forgetting you signed up for a subscription is not a chargeback offense.
I watch my statements like a hawk
Did you google the website to see whether others have had experience with canceling this subscription? Sometimes, that’s helpful in getting info both to kill the subscription and to present to your bank. It may well be a known fraudulent website such that the bank will find it preferable to credit you as compared to you reporting them for letting a known fraud charge your account for 2 years.
If it is a business account, you likely aren’t eligible for the protections we get on consumer cards, so your rights come down to your agreement with the bank – but there are reasons a bank might allow a charge-back even if not obliged to.
Do you feel comfortable posting the name of the website.
You can dispute pretty much anything as a fraud or merchant dispute. I know some places have a cutoff of 120 days for disputes, so you may not be able to dispute charges older than that.