How TA charges your expired cc without your permission

We have a soon to expire biz listing on TA. When I paid for it last year the card I used expired a couple of months before the renewal period. We've been discussing renewal and whether to renew or not. I just went into the account to see what card I used and TA CHANGED THE EXPIRY DATE on my card. Without my permission. Without any contact with me. They changed the date.
So, that kind of puts an end to any discussion. (Altho, with their total lack of help on that bad review there wasn't much of an argument.) However, going into my account and making changes to my credit card info without my permission is totally bogus.
Just to let you know in case you thought using an old credit card would help in case you forgot to cancel. The only way you can avoid the auto charge is to cancel your credit card account. Completely. Close it out. Never to be used again. Or, buy a prepaid card and use that.
Now I have to read what steps to take to cancel the account.

That is totally WRONG. You need to speak to someone besides going In and
r moving your Cc info. No way I would be paying them

EmptyNest said:

That is totally WRONG. You need to speak to someone besides going In and
r moving your Cc info. No way I would be paying them.

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EmptyNest said:

That is totally WRONG. You need to speak to someone besides going In and
r moving your Cc info. No way I would be paying them

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You can't remove credit card info. You have to enter a cc # in order to access the credit card section.

Just so you know how this works - TA has agreements with credit card issuers called a Security Closure which allows them to continue charging closed credit cards regardless of what you tell your credit card issuer. So, you cannot call your issuer and tell them to not allow charges thru from TA. TA's power overrules you. You little peon. :-(

We told them to cancel. They kept on calling to change our minds. They didn't process.
But you can always make up a number to replace the real one. Here's a link to the test numbers... https://www.paypalobjects.com/en_US/vhelp/paypalmanager_help/credit_card_numbers.htm

Generic said:

We told them to cancel. They kept on calling to change our minds. They didn't process.
But you can always make up a number to replace the real one. Here's a link to the test numbers... https://www.paypalobjects.com/en_US/vhelp/paypalmanager_help/credit_card_numbers.htm.

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Who knew! Do you think they have it programmed in to not accept these numbers?

Morticia said:

Just so you know how this works - TA has agreements with credit card issuers called a Security Closure which allows them to continue charging closed credit cards regardless of what you tell your credit card issuer. So, you cannot call your issuer and tell them to not allow charges thru from TA. TA's power overrules you. You little peon. :-(.

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Really?
I know it was February 2015 so things may have changed since then, but I told TA I was cancelling, they charged my card anyway. I phoned my bank and said there had been an unauthorised debit to my account, my bank took the money bank, credited my account and put a block TA making any more charges to my account.
And I know the block worked because in Feb 2016 TA tried to auto renew my account AGAIN and then phoned me to tell me the card had been blocked.

Highlands John said:

Morticia said:

Just so you know how this works - TA has agreements with credit card issuers called a Security Closure which allows them to continue charging closed credit cards regardless of what you tell your credit card issuer. So, you cannot call your issuer and tell them to not allow charges thru from TA. TA's power overrules you. You little peon. :-(.

Click to expand...

Really?
I know it was February 2015 so things may have changed since then, but I told TA I was cancelling, they charged my card anyway. I phoned my bank and said there had been an unauthorised debit to my account, my bank took the money bank, credited my account and put a block TA making any more charges to my account.
And I know the block worked because in Feb 2016 TA tried to auto renew my account AGAIN and then phoned me to tell me the card had been blocked.
.

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They may not have an agreement with your card issuer. Or, because you had proof you told them 'no' your money was refunded.
We have to prove we cancelled the account, following all the rules, in order to head off not being able to get the money back when they do charge us.
Does anyone have the actual email you need to use to cancel your biz account?

Oh yes, this happens a lot. I've had several do this to me. I was thinking, OK, the card expires soon and I just won't give them the new expire date and new CVV code. But no. They don't care about the code, and they know how to update your date.
It's a horrible business practice, so it fits well with horrible companies that gotcha for life, whether you like it or not.

Morticia said:

Generic said:

We told them to cancel. They kept on calling to change our minds. They didn't process.
But you can always make up a number to replace the real one. Here's a link to the test numbers... https://www.paypalobjects.com/en_US/vhelp/paypalmanager_help/credit_card_numbers.htm.

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Who knew! Do you think they have it programmed in to not accept these numbers?
.

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Probably not. But it's easy enough to generate a new fake number. It's a calculation called Mod10 and it calculates the check digit. For example....
531260000000001X
You can use this calculator... http://planetcalc.com/2464/
And X is 7 and you can go to http://planetcalc.com/2465/ to validate it.

Generic said:

Morticia said:

Generic said:

We told them to cancel. They kept on calling to change our minds. They didn't process.
But you can always make up a number to replace the real one. Here's a link to the test numbers... https://www.paypalobjects.com/en_US/vhelp/paypalmanager_help/credit_card_numbers.htm.

Click to expand...

Who knew! Do you think they have it programmed in to not accept these numbers?
.

Click to expand...

Probably not. But it's easy enough to generate a new fake number. It's a calculation called Mod10 and it calculates the check digit. For example....
531260000000001X
You can use this calculator... http://planetcalc.com/2464/
And X is 7 and you can go to http://planetcalc.com/2465/ to validate it.
.

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Wow. My old favorite for many things was Hughes calculators. Recalculated many mortgage and payoff scenarios with that old site. hugh calc dot org. I stress the old. Planetcalc rocks!

WOW! Really makes me want to run right out and get a business listing, NOT! But there's a company in town that can pull down your bad reviews for $100 a month. That's pure blackmail!…. It only strengthen the thought that we didn't want anything to do with TA.

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt.

PhineasSwann said:

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt..

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PhineasSwann said:

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt.

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Yes, TA can still run the charge on a stolen card. That's the point I brought up about Security.Closure. TA, and other large corporations, have agreements with your issuer to get around us trying to get out of the contracts we agreed to. Not if the account is opened with a stolen card but if the agreement is opened with the card and then it is stolen later TA can still get their money from the old account number.
We explained to the issuer that we have no idea how much money they are going to charge our card as they don't tell you in advance. They advised us that we signed the agreement knowing that.
So, I've emailed my old account rep (who it seems turned my account over to someone else as soon as she got that email) and now the new account rep who hasn't replied back, saying we are not renewing and I need the direct email and street address for the cancellation dept.

Mailing address: TripAdvisor Inc., 400 1st Avenue, Needham, MA 02494.
General company phone number: 781-800-5000.

Duff2014 said:

Mailing address: TripAdvisor Inc., 400 1st Avenue, Needham, MA 02494.
General company phone number: 781-800-5000..

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Duff2014 said:

Mailing address: TripAdvisor Inc., 400 1st Avenue, Needham, MA 02494.
General company phone number: 781-800-5000.

Click to expand...

I don't want to mess aground with, 'your communication was not received by the correct department.'
If I don't hear back from the rep I will call that number. Thanks.
Glad I started this 6 weeks in advance.

We had to instigate a chargeback against TA after they unwantedly auto-renewed us. Thankfully we got the money back. Auto-renew stuff (insurance companies mostly) is becoming common here - I got a pre-paid credit card this year because I was sick and tired of the insurance companies auto renewing policies (three vehicles) a month early before we had chance to shop around for renewal quotes. I'd definitely recommend using a pre-paid card with TA.

Morticia said:

PhineasSwann said:

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt..

Click to expand...

PhineasSwann said:

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt.

Click to expand...

Yes, TA can still run the charge on a stolen card. That's the point I brought up about Security.Closure. TA, and other large corporations, have agreements with your issuer to get around us trying to get out of the contracts we agreed to. Not if the account is opened with a stolen card but if the agreement is opened with the card and then it is stolen later TA can still get their money from the old account number.
We explained to the issuer that we have no idea how much money they are going to charge our card as they don't tell you in advance. They advised us that we signed the agreement knowing that.
So, I've emailed my old account rep (who it seems turned my account over to someone else as soon as she got that email) and now the new account rep who hasn't replied back, saying we are not renewing and I need the direct email and street address for the cancellation dept.
.

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That's outrageous. How can the bank possibly allow debits from a card that has either:
1) expired
2) Been reported stolen
3) Been cancelled
To my mind that is a complete betrayal of trust on your banks part. I would not only cancel the account, I'd move banks.
Duff is completely correct, Stay well away from TA Business Listings.

Morticia said:

Duff2014 said:

Mailing address: TripAdvisor Inc., 400 1st Avenue, Needham, MA 02494.
General company phone number: 781-800-5000..

Click to expand...

Duff2014 said:

Mailing address: TripAdvisor Inc., 400 1st Avenue, Needham, MA 02494.
General company phone number: 781-800-5000.

Click to expand...

I don't want to mess aground with, 'your communication was not received by the correct department.'
If I don't hear back from the rep I will call that number. Thanks.
Glad I started this 6 weeks in advance.
.

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You just have to give them 30 days notice. We did it a few times, directly and via their internal email system. Each time referencing the dates that we gave and that we still had no acknowledgement. We knew they got it when they started to call us to make offers. Of course, the caller ID let us dodge those calls. They can be relentless on the telephone. But dodging their calls is the same as saying NO.

Highlands John said:

Morticia said:

PhineasSwann said:

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt..

Click to expand...

PhineasSwann said:

I wonder if you call you credit card company a couple of months ahead of renewal and tell them the card has been stolen, whether TA could use the number to charge you. Seems to me that the issuer would not only deny the charge, but it would get the issuer's fraud prevention unit all up in TA's butt.

Click to expand...

Yes, TA can still run the charge on a stolen card. That's the point I brought up about Security.Closure. TA, and other large corporations, have agreements with your issuer to get around us trying to get out of the contracts we agreed to. Not if the account is opened with a stolen card but if the agreement is opened with the card and then it is stolen later TA can still get their money from the old account number.
We explained to the issuer that we have no idea how much money they are going to charge our card as they don't tell you in advance. They advised us that we signed the agreement knowing that.
So, I've emailed my old account rep (who it seems turned my account over to someone else as soon as she got that email) and now the new account rep who hasn't replied back, saying we are not renewing and I need the direct email and street address for the cancellation dept.
.

Click to expand...

That's outrageous. How can the bank possibly allow debits from a card that has either:
1) expired
2) Been reported stolen
3) Been cancelled
To my mind that is a complete betrayal of trust on your banks part. I would not only cancel the account, I'd move banks.
Duff is completely correct, Stay well away from TA Business Listings.
.

Click to expand...

Highlands John said:

That's outrageous. How can the bank possibly allow debits from a card that has either:
1) expired
2) Been reported stolen
3) Been cancelled
To my mind that is a complete betrayal of trust on your banks part. I would not only cancel the account, I'd move banks.
Duff is completely correct, Stay well away from TA Business Listings.

Click to expand...

A lot of banks have these agreements with major corporations. I'm not sure we could find a bank that didn't have it.