Recurring credit card charges might be legitimate, or a company might trick you into signing up for an ongoing club or service that you do not want. David Miller of Fox News says that online shopping sites entice people into clicking "yes" for discounts without realizing that they are signing up for ongoing charges. Either way, you can follow certain steps to cancel a legitimate membership or stop an unknown charge.
Call the company that is putting the recurring charges on your credit card, advises The Money Saving Expert website. You cannot just stop paying the charges yourself unless you file a dispute. A contact number should be listed on your credit card statement next to the charges, if you don't already have information about the company.
Ask the company to cancel whatever club, service or membership it is billing to your credit card, and tell it to stop the charges immediately. Ask the company to credit any previous charges if you have been billed for several months for something you unknowingly authorized.
Tell the company you will dispute the charges with your credit card company if it is reluctant to stop the recurring charges. Say you also will report the company to the Federal Trade Commission (FTC) and the Better Business Bureau (BBB), especially if you were tricked into signing up for something you did not want.
Call your credit card issuer if the company refuses to stop the charges or says it will but bills you again the next month. Tell the customer service representative at the credit card company that you want to file a dispute because you tried to resolve the issue directly with the company and were not successful. In most cases the card issuer will help you, although it could involve changing your account number to keep the charges from going through.
Report the problem to the FTC and the BBB if your credit card issuer will not help you. Credit card companies sometimes side with the company if it can prove you authorized the charges, even if you did not knowingly do so. Send a copy of your complaints to the company. Most will stop future charges, and often credit you for previous charges, if you involve outside agencies.
Companies that trick you into signing up for recurring credit card charges might be reluctant to give you their postal address, which makes it harder to send them written notifications and report them to consumer protection agencies. Enter their phone number on a search site like 800notes, and you might be able to find their physical location and other valuable information.
- Companies that trick you into signing up for recurring credit card charges might be reluctant to give you their postal address, which makes it harder to send them written notifications and report them to consumer protection agencies. Enter their phone number on a search site like 800notes, and you might be able to find their physical location and other valuable information.
Based in Kissimmee, Fla., Barb Nefer is a freelance writer with over 20 years of experience. She is a mental health counselor, finance coach and travel agency owner. Her work has appeared in such magazines as "The Writer" and "Grit" and she authored the book, "So You Want to Be a Counselor."