Re:Privacy – Forget Your Credit Card
by cordite on Thursday March 24, 2016 @05:36PM
(#11356650)
The stop subscriptions aspect really stood out to me, I had to spend 40 minutes on the phone with that darn company to get things canceled, even though I only used it for one day for an hour.
[ Parent
| on HN ]
It's important to remember that just cancelling a payment method doesn't necessarily mean you're unsubscribed. If you're still getting a service, you're still on the hook for paying for it one way or another.
Re:Privacy – Forget Your Credit Card
by The_Magistrate on Thursday March 24, 2016 @05:57PM
(#11356808)
If this is true, then Privacy.com doesn't resolve this obligation. The temporary card number won't be chargeable by the merchant, but you'd still be on the hook for the renewed (and unpaid) service.
Re:Privacy – Forget Your Credit Card
by mindslight on Thursday March 24, 2016 @06:11PM
(#11356900)
It certainly changes the burden of notification. A company can setup many hoops for canceling, forcing you to go through some asinine phone tree and drone script to stop charges to your card. Whereas lacking an established payment channel, they can no longer play dumb if you eg send them a simple email to cancel.
I think this is one of the best aspects of the product. The power is shifted to the customer.
If you signed up online, the company must provide a way to cancel online per visa rules. Check their TOS, they probably list a way to cancel online via email or whatever.
Got a citation on this? I'd love for it to be true, since it'll save me a lot of effort. But WSJ, for instance, requires you to cancel via phone even if you sign up online.
https://usa.visa.com/dam/VCOM/download/about-visa/15-April-2...
Section: 5.9.8.2
"Provide an online cancellation procedure if the Cardholder's request for goods or services was initially accepted online"
Nice find. From some other quick research, if there is a violation, you have to report it to Visa via phone or mail.
Looks like they used to have an online form a several years ago, but it went missing. Various blog/forum posts indicate that most people have had no luck getting any sort of response from Visa via mail.