[blitz_skull]

Pretty sure they directly stated it—the consumer is being coerced. Deceptive tactics to make it hard to stop paying for something you don't want is coercive and deceptive behavior.

[dghlsakjg]

Yes, but that isn't extortion. Making something overly difficult is different than threatening or using force.

[dylan604]

Ah, I see you've never been sent to a collections agency for charges you didn't make.