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Valued Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

6,568 Views
Message 11 of 25

sinkcar wrote:

I would make sure I changed things in the past, but with an expired card, who would have thought it necessary?


Magazines are notorious for this, even with expired cards they will run the charge through and the bank card will accept it. However, I've never had a problem with filing a dispute or calling the merchant to get the charge reversed.

 

I think most people hate this practice and would like it to stop. It's not a convenience, and it would take little effort to send an approval for a renewal if it was wanted.

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Treasured Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

6,404 Views
Message 12 of 25

GailL1 wrote:

Just askin -

but how many of you actually read those terms of service which you agree to when signing up for various services which you are paying for on an automatic basis?

 


Agreed....

 

This is a common practice today and was intended to be a service enhancement to CC customers, though it's obvious the merchant and CC company wins as well.  Goota read the fine print and if you choose not to, surprises may come your way.

 

The topic poster agreed to "auto-renew", NOT renew until card expires.  These are "authorized charges" per the agreement.

 

Keep complaining to get your refund...you'll get the refund as a "courtesy" if you handle the process effectively.


"FAKE 45 #illegitimate" read a sign at the Woman's March in Washington DC, January 21, 2017.
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Valued Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

6,271 Views
Message 13 of 25

@Prosecco6247

 

Anytime you are cancelling a card, the credit card company or banking institution should send you written confirmation that it has been done.  This is especially true when trying to close out a person's estate because there is always the risk of identity theft and the confirmation letter is proof that the action has been taken.

 

We live in a time when CYA is necessary.

 

Just askin but if the CC was in your late husband's name how did they reissue it to you and have the delinquency reported on your credit report?  Did I miss something?

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Valued Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

5,411 Views
Message 14 of 25

Just askin -

but how many of you actually read those terms of service which you agree to when signing up for various services which you are paying for on an automatic basis?

 

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Trusted Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

4,824 Views
Message 15 of 25

Better check on your card auto-renewing as well.  I just had a skirmish with Bank of America regarding a VISA card that was in my late husband's name.  As I was trying to clear up the estate, there were certain credit cards with a balance (we had let our college-aged kids use them) and I just paid them off, sent a copy of the death certificate and instructed them to cancel.  All but Bank of America did so.  In the case of BOA, when the anniversary date rolled around, they had renewed the card and sent me a bill for the annual fee.  Since I hadn't had mail from them except requests to open a VISA account, I assumed the bill was another marketing attempt and tore it up without opening it.  They continued to bill me for the annual fee ($20) and later they reported me to the credit score companies.  You know the rest of the story...I didn't know about this until there was a reason to have my credit score checked.  I was in shock!  I'd never had any poor marks on my credit score.  Coincidently, I had occasion a couple of months before to have my score checked and the result was so wonderful the company I was working with couldn't do enough for me!  (It took quite a while for the BOA complaint to make it to the point it affected my score.)

 

I called all of the appropriate people, raised "cain" to everyone and told them they were going to remove any negative reporting from my credit score.  I filed a complaint of consumer fraud to everyone I could...BBB, Federal Trade Commision, etc. and let BOA know it was done.  It took approximately 21 days to get all of that removed from my record.  I paid the $20 as a gesture of good will and demanded that they send proof that the account was closed...it was delivered in that 21-day window.

 

Ancestry can be pretty sneaky about making charges.  You have to be right on the ball and make it absolutely clear that you do not want an automatic "roll-over" or "evergreen" contract.   I have been doing genealogy research since I was 20.  Back then, most of the resources were free of charge except for FamilyTreeMaker software, FTM renewals, copies of original records or special situations.  When Ancestry.com was formed and Rootsweb & listservs were a part of the deal, that's when the charges started and they've been growing ever since!  I told another AARP poster elsewhere on this site that it was a "license to print money!"  

 

I use AMEX to pay because they are very good about removing charges and investigating complaints.  I encourage anyone who thinks they've been scammed to notify the FTC.  They move at a glacial pace, but the more complaints, the tighter the case against companies who are engaing in consumer "rip-offs."       https://www.ftc.gov/

 

Kudoes to your mom for researching ancestry on the computer at 86 years old!  You go, Girl!!!

"Never succumb to the temptation of bitterness." ~ Rev. Martin Luther King, Jr.

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Trusted Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

5,352 Views
Message 16 of 25

sinkcar wrote:

I would make sure I changed things in the past, but with an expired card, who would have thought it necessary?


  I  posted a link in my previous posting. Most of the cc companies have this agreement available to companies (the renewal of membership even though card is expired). The companies can sign on, or not. But, of course, the company should be notifying you that they are doing this (not obligated, but should be). But, Ancestry has a litany of appaling reviews about lack of customer assistance.


Just think. The world was built by the lowest bidder.
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Conversationalist

Re: Ancestry.com changes your credit card information to make unauthorized charges

5,353 Views
Message 17 of 25

Wow, I hadn't realized this went back so far. We need to get that outlawed

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Conversationalist

Re: Ancestry.com changes your credit card information to make unauthorized charges

5,356 Views
Message 18 of 25

I would make sure I changed things in the past, but with an expired card, who would have thought it necessary?

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Conversationalist

Re: Ancestry.com changes your credit card information to make unauthorized charges

5,358 Views
Message 19 of 25

Thanks. I have contacted the bank/cc company and they are filing a dispute claim. But the very helpful person said that there was no guarantee that it would be accepted.  We will see....

 

Meanwhile, Ancestry is very sorry for my trouble, but otherwise, they don't care.

 

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Treasured Social Butterfly

Re: Ancestry.com changes your credit card information to make unauthorized charges

5,362 Views
Message 20 of 25

@retiredtraveler - Not to mention incredibly overpriced! I only sign up when they have a freebie trial month, or something like that. They usually ask for a credit card, but I make a note on my to-do list, to cancel 2 days before the free period is up, before they can charge me! Smiley Happy


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