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I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than resolving them, but I digress. On the other hand, I've switched over to using a bank that gives me fine-grained control over virtual cards and ACH accounts. I can create a "pocket" for a vendor or a class of charges, create an associated virtual card, and put a specific amount of money into that pocket. I can enable or disable an "overdraft protection" per pocket that will pull funds from another pocket if I run out. And I can close those pockets as well. This is great for the subscriptions that make it hard to cancel. You know, the places: "Click this button to subscribe, auto renewing", but "If you want to cancel, call this number between 8am and 5pm". I had a couple newspaper subscriptions on dedicated pockets, and after notifying their subscriptions dept that I wanted them to cancel it and was told to call a person about it, I just closed the pocket. I have gotten notifications about their continued attempted charges, but they haven't gone through. |
This is a request by the bank. If they keep letting through fraudulent charges, they can keep paying for them.