5 ms·

Easy fix, wait for the next billing, contact the bank explaining what happened, and block that and future debits. At least in Australia, this shouldn't be a pr

Easy fix, wait for the next billing, contact the bank explaining what happened, and block that and future debits. At least in Australia, this shouldn't be a problem.

altairprime 6mo ago
By comparison, Goldman, the bank operating Apple Card in the U.S., has previously refused to perform that block future debits process for me; they simply didn’t have the capability. I ended up closing my account with them to stop the charges, which worked perfectly. I envy Australia’s apparent regulation to compel merchants to do so.
- grebc 6mo ago
  I think it’s the bank that blocks the merchant here in Aus.
- Spare_account 6mo ago
  As an additional data point, in the UK I can just login to my banking app and remove the authorisation for a particular vendor (or, for people who don't use online banking, I could phone up to do the same thing).
rich_sasha 6mo ago
I'd imagine if you have a card payment reverted to Google and they ban you in return, you're in a world of pain (that you are in the right probably doesn't matter).
- grebc 6mo ago
  The OP is already banned? Whats the issue in cancelling a charge you cannot use?
  - cube00 6mo ago
    Google has a degree of seperation value stored on every account. Once the algorithm determines its been wronged it increases the radius so expect your household members and work colleagues accounts to be at risk when you try this.
    - reedf1 6mo ago
      bullshit - canceling the authorization will have no affect on your account at all, the subscription will just end.
      - cube00 6mo ago
        In Google's eyes cancelling the authorisation is robbing them because they charge in advance and they might even cop a rejected payment fee. I agree there may be no other option, I'm just warning to be ready and prepare for the possible loss of "connected" (in Google eyes) accounts. https://news.ycombinator.com/item?id=45157001 https://news.ycombinator.com/item?id=45157001
      - close04 6mo ago
        Definitely not bullshit. I have a friend who was banned simply for returning a Pixel phone after accidentally ordering 2. Some automated mechanism flagged it as potential fraud and nothing worked to reverse the ban. Going to the bank to block payments, remove authorization, or God forbid, do a chargeback for the money they already took after banning you is playing Russian roulette with your Google account. It's also the only way to stop Google from stealing your money short of going to a lawyer.
        grebc 6mo ago
        The account is already banned.
        close04 6mo ago
        The Youtube account is banned. Google can escalate things and widen the net to ban anything and everything you have in the Google ecosystem, like a Gmail account. You can see here [0] that OP still has access to the Gmail account. [0] https://pocketables.com/wp-content/uploads/2026/04/image-4-1536x960.png https://pocketables.com/wp-content/uploads/2026/04/image-4-1...
xfactorial 6mo ago
I some countries, however, this may penalize you, credit score wise or whatever. This option, in my opinion, should truly be the last resource, after exhausting (and documenting) every other route. Very important: public routes, like Twitter Support, even better (make sure every step is traceable if the only option left is, indeed, blocking debts on your credit card).
- reedf1 6mo ago
  You haven't signed any agreement or opened any lines of credit - I would be amazed if there was any jurisdiction in the entire world where this would affect your credit.
  - psd1 6mo ago
    Heuristically, that sounds naive. Actuaries do not typically think "oh, that's enough data". If Experian could track whether you iron your shirts, it too would show up in your credit score.
    - reedf1 6mo ago
      I mean possibly. I interact in the space and there is almost no information in a cancelled subscription. There is more information in how much you spent on takeaway.
chris_wot 6mo ago
I contacted TM Bank and they would't let me do this.
- TheChaplain 6mo ago
  Might be an idea to switch to a bank or credit union that have better customer service?
- reedf1 6mo ago
  Subscriptions are not a contract of payment. Your bank pre-authorizes these payments, simply ask them to remove pre-authorization. If they can't do that, then the bank is spending your money without your consent.
Havoc 6mo ago
Same for uk. Can cancel direct debits from the bank website. Things like this would probably not be via direct debit though
- mnw21cam 6mo ago
  Yeah. Recurring card purchases are hard to stop. They can keep going even after the card has been cancelled or expired. The direct debit guarantee is so nice in comparison.
JumpCrisscross 6mo ago
> Easy fix, wait for the next billing, contact the bank explaining what happened, and block that and future debits You'd also want to mail a letter to Google documenting that you're cancelling your subscription. Cancelling a payment method alone doesn't void a contract. I doubt Google would do this. But there are plenty of trashy litigation-finance shops that buy up these abandoned contracts for pennies on the dollar and then try to collect. Even if you never give them any money, it would trash your credit for a while.
debazel 6mo ago
This is not an easy fix. Charge backs will lead to life-time permanent bans. Which means you're now forced to buy an iPhone in order to pass store attestation for essential applications like banking apps, government ID, age verification, etc.
- jasomill 6mo ago
  Assuming the chargeback is made in good faith, why do the laws allowing for chargebacks in the first place permit this?

Easy fix, wait for the next billing, contact the bank explaining what happened, and block that and future debits. At least in Australia, this shouldn't be a problem.

altairprime 6mo ago

By comparison, Goldman, the bank operating Apple Card in the U.S., has previously refused to perform that block future debits process for me; they simply didn’t have the capability. I ended up closing my account with them to stop the charges, which worked perfectly. I envy Australia’s apparent regulation to compel merchants to do so.

grebc 6mo ago
I think it’s the bank that blocks the merchant here in Aus.
Spare_account 6mo ago
As an additional data point, in the UK I can just login to my banking app and remove the authorisation for a particular vendor (or, for people who don't use online banking, I could phone up to do the same thing).

rich_sasha 6mo ago

I'd imagine if you have a card payment reverted to Google and they ban you in return, you're in a world of pain (that you are in the right probably doesn't matter).

grebc 6mo ago
The OP is already banned? Whats the issue in cancelling a charge you cannot use?
- cube00 6mo ago
  Google has a degree of seperation value stored on every account. Once the algorithm determines its been wronged it increases the radius so expect your household members and work colleagues accounts to be at risk when you try this.
  - reedf1 6mo ago
    bullshit - canceling the authorization will have no affect on your account at all, the subscription will just end.
    - cube00 6mo ago
      In Google's eyes cancelling the authorisation is robbing them because they charge in advance and they might even cop a rejected payment fee. I agree there may be no other option, I'm just warning to be ready and prepare for the possible loss of "connected" (in Google eyes) accounts. https://news.ycombinator.com/item?id=45157001 https://news.ycombinator.com/item?id=45157001
    - close04 6mo ago
      Definitely not bullshit. I have a friend who was banned simply for returning a Pixel phone after accidentally ordering 2. Some automated mechanism flagged it as potential fraud and nothing worked to reverse the ban. Going to the bank to block payments, remove authorization, or God forbid, do a chargeback for the money they already took after banning you is playing Russian roulette with your Google account. It's also the only way to stop Google from stealing your money short of going to a lawyer.
      - grebc 6mo ago
        The account is already banned.
        close04 6mo ago
        The Youtube account is banned. Google can escalate things and widen the net to ban anything and everything you have in the Google ecosystem, like a Gmail account. You can see here [0] that OP still has access to the Gmail account. [0] https://pocketables.com/wp-content/uploads/2026/04/image-4-1536x960.png https://pocketables.com/wp-content/uploads/2026/04/image-4-1...

xfactorial 6mo ago

I some countries, however, this may penalize you, credit score wise or whatever. This option, in my opinion, should truly be the last resource, after exhausting (and documenting) every other route. Very important: public routes, like Twitter Support, even better (make sure every step is traceable if the only option left is, indeed, blocking debts on your credit card).

reedf1 6mo ago
You haven't signed any agreement or opened any lines of credit - I would be amazed if there was any jurisdiction in the entire world where this would affect your credit.
- psd1 6mo ago
  Heuristically, that sounds naive. Actuaries do not typically think "oh, that's enough data". If Experian could track whether you iron your shirts, it too would show up in your credit score.
  - reedf1 6mo ago
    I mean possibly. I interact in the space and there is almost no information in a cancelled subscription. There is more information in how much you spent on takeaway.

chris_wot 6mo ago

I contacted TM Bank and they would't let me do this.

TheChaplain 6mo ago
Might be an idea to switch to a bank or credit union that have better customer service?
reedf1 6mo ago
Subscriptions are not a contract of payment. Your bank pre-authorizes these payments, simply ask them to remove pre-authorization. If they can't do that, then the bank is spending your money without your consent.

Havoc 6mo ago

Same for uk. Can cancel direct debits from the bank website. Things like this would probably not be via direct debit though

mnw21cam 6mo ago
Yeah. Recurring card purchases are hard to stop. They can keep going even after the card has been cancelled or expired. The direct debit guarantee is so nice in comparison.

JumpCrisscross 6mo ago

> Easy fix, wait for the next billing, contact the bank explaining what happened, and block that and future debits You'd also want to mail a letter to Google documenting that you're cancelling your subscription. Cancelling a payment method alone doesn't void a contract. I doubt Google would do this. But there are plenty of trashy litigation-finance shops that buy up these abandoned contracts for pennies on the dollar and then try to collect. Even if you never give them any money, it would trash your credit for a while.

debazel 6mo ago

This is not an easy fix. Charge backs will lead to life-time permanent bans. Which means you're now forced to buy an iPhone in order to pass store attestation for essential applications like banking apps, government ID, age verification, etc.

jasomill 6mo ago
Assuming the chargeback is made in good faith, why do the laws allowing for chargebacks in the first place permit this?