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Doesn't work. I tried this with a NYTimes trial-rate subscription, to make sure it wouldn't renew at the $exorbitant rate. Apparently there's a thing called a
by myself248 3y ago
Doesn't work. I tried this with a NYTimes trial-rate subscription, to make sure it wouldn't renew at the $exorbitant rate.
Apparently there's a thing called a "force post" that the merchant can do, which blasts right through Privacy.com's veil. I didn't understand this until they explained it to me:
> From: Sigourney (Privacy)
> Jun 1, 2022, 5:21 PM EDT
> Hi, [Name]
> I've been reviewing your dispute and wanted to touch base with you to explain what happened.
> It appears that the disputed charge is a "force post" by the merchant. This happens when a merchant cannot collect funds for a transaction after repeated attempts and completes the transaction without an authorization — it's literally an unauthorized transaction that's against payment card network rules. It's a pretty sneaky move used by some merchants, and unfortunately, it's not something Privacy can block.
> We are refunding the transaction to the original funding source used for this purchase. You should see this refund reflected in your bank statement in the next 5 business days. However, please note that since this merchant uses force posts, they will continue to do this monthly until the subscription is cancelled. Please contact them to have the subscription cancelled.
> Let me know if you have any questions or concerns!
Okay, so Privacy refunded it, and I'm not clear whether they ate that cost or if they pulled some lever to claw-back the money from the NYT, but the fact that this is even possible in the first place is alarming, and it completely shattered my idea of what Privacy.com is even good for.
- gruez 3y agoDid you deactivate/close the card or only pause/lock the card? If it's deactivated, I'm not sure how they can go after you. Sure, for a service like privacy.com the card itself is attached to someone, so there's theoretically someone to go after, but prepaid card exists as well. If you "force post" a transaction on those cards, who's going to be on the hook? The bank?
- myself248 3y agoIt wasn't a prepaid, it was the standard privacy.com thing as suggested by the grandparent post, where they make a new number that you can use per-merchant. The card was set to a $6/mo limit, so the $4/mo trial offer would work, and the $25/mo after that wouldn't. They somehow sucked $25 right through that.
- beretguy 3y agoWell, that sucks…