How to disable visa card autopayment?

Question

Hello guys,
Last week my hosting company sent me an invoice for the next payment and a day after that i recieved a "Successful invoce payment" regarding the fact the comapny took the amount from my visa card automatically on his own.
I wonder how this could be possible in the system?
Instantly i read the agreement of the company which they had stated that "Inform us, Otherwise we charge your billing automatically from the credit card account".
This make me amazed. Now can you help me how i can disable auto payment option forever. Imagin this way one can get how much from my account without my permission.
And further how this option works at all in online banking system?Maybe i lack information in this issue!!!


Thanks

Answer 1

I work in a bank and hope I can help you. The only way to disable an auto payment is to first contact the company and tell them (by phone and follow-up in writing) that they are no longer authorized to withdraw funds from any of your accounts. After that, you contact your bank and place a "stop payment on the ACH". ACH = automatic clearing house which is a fancy term for automatic deposits and withdrawls. For them to do this, at some point you had to have agreed to allow them access to take payments directly from your account. Without an account number they can't even begin to do this. Was the card you used actually a debit card instead of a regular credit card? The statement in your agreement that you quoted above indicates you had to let them know you didn't want auto payments rather than the reverse. That's where the fine print comes in.

Answer 2

Theoretically you're just supposed to be able to tell them & they'll stop, but "Good luck with that"!
The easiest and only sure way to make sure it doesn't happen again is to call the card company where the money was deducted from and tell them the auto deductions were not authorized and have them cancel that card & issue you a new one.
I've been the other route, and after 4 months of frustrating calls and letters, ended up closing my account & opening a new one anyway.