If you don't get anywhere with the company, or just don't feel like talking them, you complain to your bank. I had to do this recently. It took all of 3 minutes to get my money back with no questions asked other than "did you authorise it?" and to get a block put on my account to stop that company ever taking money again.
This costs the company money and a lot of paperwork, so the threat of doing it is often enough to get them to sort themselves out.
That's generally not how automatic debit payments work in the US.
Too: even when getting a direct deposit authorization for an account, you are almost always (US) also allowing withdrawals from your account, in the event the depositor claims they made a deposit in error.
Increasingly, banks seem less secure and more porous when it comes to holding my money.
Comments
If you don't get anywhere with the company, or just don't feel like talking them, you complain to your bank. I had to do this recently. It took all of 3 minutes to get my money back with no questions asked other than "did you authorise it?" and to get a block put on my account to stop that company ever taking money again.
This costs the company money and a lot of paperwork, so the threat of doing it is often enough to get them to sort themselves out.
That's generally not how automatic debit payments work in the US.
Too: even when getting a direct deposit authorization for an account, you are almost always (US) also allowing withdrawals from your account, in the event the depositor claims they made a deposit in error.
Increasingly, banks seem less secure and more porous when it comes to holding my money.