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In California the New York Times still requires you to chat with a customer support person on their website. You still have to wait in queue, then wait for the
by tshaddox 5y ago
In California the New York Times still requires you to chat with a customer support person on their website. You still have to wait in queue, then wait for the person (or maybe it's a bot at this point) paste in several attempts at retaining your subscription.
The law needs to be that you can cancel all recurring payments through a standard interface. It's ludicrous that my online banking account doesn't just show me all subscriptions and allow me to cancel all future payments of any of them.
- 8note 5y agoI should be able to tell my credit card company that I'm ending a subscription, and have them be in charge of notifying the provider that the subscription has been terminated
- tshaddox 5y agoOr just reject the payment the next time they try, that would be fine by me.
- jackson1442 5y agoI think my bank does this, when I called for another reason this week there was an option on the phone menu to stop a recurring payment.
- 6nf 5y agoI've done this using my credit card company (not the bank) and they were very helpful. I explained why I wanted them to stop the recurring payment and they asked if I wanted to dispute any of the older charges, took less than 5 minutes. I call the 'fraud/disputes' phone number on the back of my card for this and I think that is not the bank, I think it's Visa / Mastercard themselves.
- jackson1442 5y agoI bet processes like this are why subscriptions like gyms are starting to require your _bank account info_ rather than just a card.
- sergiotapia 5y agoAny banks that offer this service? I would switch my primary banking service for this.
- ilikepi 5y agoYou can kind of get close to this using merchant-specific card numbers from privacy.com (not affiliated). If you want to cancel a subscription, you just deactivate the number associated with that subscription.
- asdff 5y agoAll of them. if you don't like a subscription and don't care about burning a bridge, issue a chargeback.
- lttlrck 5y agoYes for recurring subscriptions the control should be firmly under the consumers control. Perhaps there should be a special recurring transaction type on credit cards akin to those in PayPal.
- ufmace 5y agoStartup idea? I would totally pay for / use a service that managed and paid all of my subscriptions to various things that also made it so that I could cancel any of them at any time with a single click (okay maybe 2 clicks) on their website and hear nothing more about that account.
- rPlayer6554 5y agoPrivacy.com
- asdff 5y agoyou can do that already. just issue a chargeback and poof.
- ceejayoz 5y agoDo that to a gym and they'll sue you for not paying out your contract.
- jonwachob91 5y agoA gym is not a recurring payment, it's a facility access contract defined for a period of time. You agreed upon price for the year, broken down into monthly payments. You are obligated to pay that full amount b/c you agreed to it when you signed the contract at the beginning of the membership. You don't have such contracts with recurring payment products.
- ceejayoz 5y agoNo, quite a few gyms advertise “no contract” month-to-month payment schemes that still require a specific cancellation process. For example, Planet Fitness has “no commitment” memberships, but you still have to explicitly cancel. > You may cancel according to our policy: Per the agreement, in order to cancel a membership, one must either go to your home club in person to fill out a cancellation form, or send a letter (preferably via certified mail) to the club, requesting cancellation. Please note: Memberships cannot be cancelled via fax, phone, or email. https://www.reddit.com/r/personalfinance/comments/51m0e0/comment/d7cxsn1/ https://www.reddit.com/r/personalfinance/comments/51m0e0/com...
- tshaddox 5y agoAnd your bank will probably get upset at you too.
- Aperocky 5y agoCan you dispute? Just say that NYT cannot be unsubscribed from because of unresponsiveness and blacklist it from ever charging the card number.
- tshaddox 5y agoI doubt the bank is going to be happy with you disputing charges if you haven’t followed whatever process the company makes you follow in order to cancel.