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Charging Expired Credit Card

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  • 04-11-2010, 10:14 PM
    sunil_n2003
    Charging Expired Credit Card
    I have a VOIP account. It was an auto charge. One day my credit card expired. They sent me a notice that my account will be canceled if I did not change my account details in their website. I did not want the service anymore so I tried calling them. They were not answering my calls. So I left them assuming they will not charge me anymore as they do not have my new expiration date. Suddenly after 5 months they some how updated my information in their website with my new expiration. Even I did not know my credit card new expiration date as I was not using that card anymore. Then they have charged me for the past 5 months where my account was suspended. They argue that I changed the account details on their webpage which I did not do as I even forgot the login details of their website. How can this happen?
  • 04-11-2010, 10:18 PM
    Mr. Knowitall
    Re: Charging Expired Credit Card
    We have no way of telling you how your information was updated.

    However, if you don't cancel an account that you're paying for on a monthly basis, your account isn't going to cancel itself. If you don't want the service, cancel it.
  • 04-11-2010, 10:27 PM
    sunil_n2003
    Re: Charging Expired Credit Card
    Thanks a lot for the quick reply. Yes I cancelled the account.
  • 04-11-2010, 10:44 PM
    jk
    Re: Charging Expired Credit Card
    I suppose that begs the question then of:

    were you under a contract and due to that was not able to cancel the service?

    so, if you could legitimately cancel your account and you did actually cancel the account before the 5 months period in question, file a dispute with the CC company.

    If it was the same card number and it was simply an updated expiration date, I would suggest they simply continued to bill to the CC company and when you had a new card issued, it finally went through as a charge.
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