News for hackers. Stuff that matters.

A comment on Millions Are Hounded for Debt They Don’t Owe. One Victim Fought Back. Parent comment

Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by pault on Wednesday December 06, 2017 @01:41PM (#15863655)
I incorporated an LLC through Legalzoom a few years ago that I didn't end up using for its intended purpose, so I logged in to cancel the renewal. After spending about 15 minutes combing through all of the account settings and reading the fine print I couldn't find any way to cancel the renewal (they must have forgotten to add that functionality to their UI), I gave up since the card they had on file was expired anyway, so I figured they would just cancel the service when they realized they didn't have a valid card on file anymore. Instead I got a bill from Caine & Weiner Commercial Collection Division for $160; no warning or notification from Legalzoom. I'm still super pissed about this and I definitely won't use or recommend Legalzoom to anyone anymore.
[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by paulmd on Wednesday December 06, 2017 @02:21PM (#15864034)
> I gave up since the card they had on file was expired anyway

An expired credit card is not the same thing as one locked for fraud/lost card/etc.

It is possible to charge an expired credit card, many banks will just roll the charges onto the new card instead.

[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by fgggrr on Wednesday December 06, 2017 @05:27PM (#15865637)
Huh? In my experience at least that is not the case. If a vendor no longer has your correct card details on file (which would certainly be the case if your old card expired and you were issued a new one), then the vendor's charges will be denied by your issuer whether you had a long standing recurring payment or not. I know this because I sometimes receive a 'payment overdue/problem processing your payment' notice from some subscriptions I forget to update when an old card expires.
[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by colanderman on Wednesday December 06, 2017 @08:31PM (#15866840)
Auto-updating expired card info is absolutely a thing: https://www.creditcards.com/credit-card-news/recurring-charg...
[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by excitom on Wednesday December 06, 2017 @02:41PM (#15864229)
In my personal experience, as someone who has been taking credit card payments on the web for over 20 years, no. Charges to expired cards are not accepted.
[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by FireBeyond on Wednesday December 06, 2017 @04:47PM (#15865307)
Charges to expired cards are not accepted.

Charges that are both flagged as recurring, and set up before expiry can be accepted.

[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by astura on Thursday December 07, 2017 @03:49AM (#15868613)
Existing recurring charges can roll over.
[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by MR_FEET on Wednesday December 06, 2017 @02:43PM (#15864257)
i got hit with fraudulent charges from abcmouse.com . i had never even heard of them before .
[ Parent | on HN ]
Re:Millions Are Hounded for Debt They Don’t Owe. One Victim ... by ngold on Wednesday December 06, 2017 @06:48PM (#15866243)
So you thought the website that caters lawyer services would just drop the case? Bold move Cotton.
[ Parent | on HN ]