DAZ+ renewed without credit card on file??

KharmaKharma Posts: 3,214

Is it a common occurance for anyone to have their Daz+ member ship automatically charged for renewal when they don't have their credit card saved on their account?  I have never kept my credit card on my account and manually enter it when I want o buy something or extend my membership, this is the first time I have had this happen where they were able to charge my card without it being on my account, usually it will just cancel for payment failure  as no access to the credit card.  I was charged for a yearly renewal at 70$ US yet in my account it says it will expire in 3 months, which would be a quartly subscription. I even went into my account the day before I knew it was going to expire and confirmed that I have no credit card on file so I couldn't be charged as I had no intention of renewing my Daz+ right now as I have no time during the summer to utilize it.  I have already submitted a ticket for a full refund of the unauthorized use of my credit card, hopefully will hear back from CS right away to clear this matter up.

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Comments

  • AllenArtAllenArt Posts: 7,169

    Have you ever used PayPal to pay for Daz+? PayPal will put that charge into a recurring charge. You have to manually go into PayPal and remove it.

  • KharmaKharma Posts: 3,214

    I have never used Paypal and have never had  a Paypal account, I have seen this has  happened to others that do have Paypal tho.

  • StezzaStezza Posts: 8,071

    Yep, I had my card on Daz but removed it years ago for it to suddenly reappear in my account ... promptly removed it again and it hasn't come back since maybe because the date on the card would have expired..

    but yes, it has appeared back onto my account without me knowing. frown  no

  • MachineClawMachineClaw Posts: 137

    You have to cancel the subscription then it will not charge again but you daz+ will end at the end of the membership, in the details it will say marked for cancelation on the end date of your membership.  If you do not it will bill again.  Also good to uncheck the recurring check box as well.  It's not that intuitive.

  • KharmaKharma Posts: 3,214
    edited May 2023

    MachineClaw said:

    You have to cancel the subscription then it will not charge again but you daz+ will end at the end of the membership, in the details it will say marked for cancelation on the end date of your membership.  If you do not it will bill again.  Also good to uncheck the recurring check box as well.  It's not that intuitive.

    Yes it was unchecked on the recurring box, as I mentioned above in the past the subscription should cancel as payment should have been declined, there should have been no access to my credit card because I don't have my credit card on my profile and why I am concerned that it could be charged at all . It concerns me that even though the credit card is not affiliated with my account, as sometimes I use a different credit card,  it could be charged without my knowledge at any time by Daz.  I work in a business where we remotely charge to aclients credit cards daily and we have policies to follow to remain PCI compliant with credit card companies at all times. it's not a matter of being intuitive, I know how Daz works as a longtime member since 2005, as I stated this has never happened to me before. For this to happen means that Daz keeps your credit card info stored on their site even though you are using it each time as a one time use payment by not keeping it on your account, and only giving authorization for it to be used on that one purchase.

    Post edited by Kharma on
  • barbultbarbult Posts: 24,248
    File a complaint with your credit card company.
  • KharmaKharma Posts: 3,214

    @barbult I did file a customer care complaint with Daz and am hoping that Daz will just refund the amount charged with no issues, and make sure this doesn't happen in the future to myself or anyone else, but if not my next step would be to contact my credit card company for a chargeback

  • barbultbarbult Posts: 24,248

    Daz has a no refunds policy on membership payments. Maybe you can convince them that they made an error. Good luck.

  • KharmaKharma Posts: 3,214

    barbult said:

    Daz has a no refunds policy on membership payments. Maybe you can convince them that they made an error. Good luck.

    I am aware of this policy but I do feel this case is an exception to their rule, I have no idea how they could charge my credit card when it's not on my account , and will file with my credit card company if I am refused a refund. Just because I have used my credit card on their site previously doesn't give them the right to process any charges without my permission. Hopefully will hear back from the ticket I filed quickly and don't have to go the chargeback route.

  • ColinFrenchColinFrench Posts: 647

    Kharma said:

    my next step would be to contact my credit card company for a chargeback

    This would be your best option. As you probably know, chargebacks cost a company money, so they start paying attention to the issue when it occurs.

    A company saving your CC info even though you told them not to, plus automatically using that to make a charge on your CC without your authorization would be a serious violation of regulations surrounding storage of personal information in the E.U. The US may not have as good protections.

  • Richard HaseltineRichard Haseltine Posts: 101,027

    When you buy a subscription with a credit card a special token is created that alows the subscription to be renewed against the card, but doesn't authorise any other charges, the merchant doesn't need to have the card details each time (which is generally a good thing as it lets you keep the card details off their system if desired). If the recurring option wasn't checked I hope CS will be able to help you.

  • NotAnArtistNotAnArtist Posts: 384

    Wow, this is really depressing.

    There is a huge difference between a customer choosing to keep his card details in a company's records, vs a company being able to charge his card after he's removed it from their records. It's a big deal to have no control over your own finances.

    A person's card's details should not remain in the sytem when he deletes those details AFTER his debts have been paid! Why should a subscription, whatever the duration, be any different from a purchase?

    I never leave the Recurring button checked. But considering the problems the company has in keeping various aspects of their system functioning correctly, (witness today!!), where's the guarantee that it won't 'glitch' itself back on again?

    I don't want to have to investigate the Recurring button everyday before my membership expires just to be sure it doesn't accidentally re-check itself. Didn't I read somewhere that they can actually renew a membership several days BEFORE it expires if that button is checked? Why are you not allowed to change your mind even the night before??

    While Daz has a right to protect its sales, how do the above factors protect them, or make things more convenient for us or them?

    I'm wondering if it might be wiser to renew by simply mailing them a check? If that's even possible.

  • barbultbarbult Posts: 24,248

    Richard Haseltine said:

    When you buy a subscription with a credit card a special token is created that alows the subscription to be renewed against the card, but doesn't authorise any other charges, the merchant doesn't need to have the card details each time (which is generally a good thing as it lets you keep the card details off their system if desired). If the recurring option wasn't checked I hope CS will be able to help you.

    I don't believe this is disclosed anywhere on the Daz website. I have never heard it mentioned in the forums either. This honestly shocking to me.

  • ColinFrenchColinFrench Posts: 647

    Richard Haseltine said:

    When you buy a subscription with a credit card a special token is created that alows the subscription to be renewed against the card, but doesn't authorise any other charges, the merchant doesn't need to have the card details each time (which is generally a good thing as it lets you keep the card details off their system if desired).

    Sorry, but if a "special token" can be used to apply a charge to a customer's credit card, it is by definition "credit card information". If the user has specified they they do not want this type of information saved by Daz, it should not be saved.

  • AllenArtAllenArt Posts: 7,169

    barbult said:

    Richard Haseltine said:

    When you buy a subscription with a credit card a special token is created that alows the subscription to be renewed against the card, but doesn't authorise any other charges, the merchant doesn't need to have the card details each time (which is generally a good thing as it lets you keep the card details off their system if desired). If the recurring option wasn't checked I hope CS will be able to help you.

    I don't believe this is disclosed anywhere on the Daz website. I have never heard it mentioned in the forums either. This honestly shocking to me.

    Indeed :( 

  • xyer0xyer0 Posts: 5,947
    edited May 2023

    AllenArt said:

    barbult said:

    Richard Haseltine said:

    When you buy a subscription with a credit card a special token is created that alows the subscription to be renewed against the card, but doesn't authorise any other charges, the merchant doesn't need to have the card details each time (which is generally a good thing as it lets you keep the card details off their system if desired). If the recurring option wasn't checked I hope CS will be able to help you.

    I don't believe this is disclosed anywhere on the Daz website. I have never heard it mentioned in the forums either. This honestly shocking to me.

    Indeed :( 

    I didn't know that either. But I'm not really surprised. Look up Dodd-Frank if you want another eye opener. 

    Post edited by xyer0 on
  • Richard HaseltineRichard Haseltine Posts: 101,027
    edited May 2023

    barbult said:

    Richard Haseltine said:

    When you buy a subscription with a credit card a special token is created that alows the subscription to be renewed against the card, but doesn't authorise any other charges, the merchant doesn't need to have the card details each time (which is generally a good thing as it lets you keep the card details off their system if desired). If the recurring option wasn't checked I hope CS will be able to help you.

    I don't believe this is disclosed anywhere on the Daz website. I have never heard it mentioned in the forums either. This honestly shocking to me.

    This is how subscriptions generally work - it means that the card details are not stored, that is the whole point of the system. All that is kept is a record confirming that that particular transaction has been authorised, only the card issuer is able to link that back to your card, no one else can deduce the card details from the token. Or at least, that is my understanding of the system.

    Of course is the recurring option was not checked then there should not have been a charge, but that is separate from the issue of storing the transaction authorisation.

    Post edited by Richard Haseltine on
  • NotAnArtistNotAnArtist Posts: 384

    Kharma said:

    ...  I was charged for a yearly renewal at 70$ US yet in my account it says it will expire in 3 months, which would be a quartly subscription. I even went into my account the day before I knew it was going to expire and confirmed that I have no credit card on file so I couldn't be charged as I had no intention of renewing my Daz+ right now as I have no time during the summer to utilize it.  I have already submitted a ticket for a full refund of the unauthorized use of my credit card, hopefully will hear back from CS right away to clear this matter up.

    Hi Kharma: I just noticed that in your post you said that you were charged $70, yet it only got you 3 months of subscription. That alone shows that something is messed up in the system. And you said later here that you did have the recurring button unchecked. I hope you let us know what response you get from your help request. This sort of thing should concern all of us who have accounts here.

    I hope you get your money back, one way or another.

    If not, it would only be ethical if they had of warned you that you were about to be renewed, and well before it was to occur - especially if it was to occur early before your previous subscription expired, and before they made the new one a permanent thing. It really smells bad, frankly.

    I'm hugely disappointed that the Daz folks could actually think this sort of thing is OK with them. I mean, why is any of this necessary?

  • KharmaKharma Posts: 3,214

    So just a heads up on my response from Daz,  I don't even know where to start...

    Basically I was told, because they charged me for a full year but only gave me the 3 month subscription I could get the difference refunded as store credit only because its nor refundable  It was stated that I must have changed it from quartly to yearly prior to the renewal but I did not do that, I believe yearly is the default and the store software automatically changes it back to that, otherwise how does that explain getting charged yearly but only receiving quarterly subscription?

      If I went the chargeback route it would be reflected in my account and I could be blocked from Daz for disputing it, I'm sorry but this isn't very good customer relations.  The recurring check box doesn't seem to matter, you will be charged anyway for renewal unless you go into your account and cancel your subscription at least 5 days prior to its renewal as they can renew it up to 5 days before the renewal date then once you reach the renewal date it will expire and you shouldn't be charged.  I stress this, you MUST actually go into your account and cancel or they will renew it no matter what and then you are stuck with it whether you want it or not.

    I hope this helps anyone else who is wondering what the repercussions are of not wanting to renew your membership or not checking your account and making sure  you have done all the things in order to not get charged against your wishes, which I thought I had.  It may be good practice to use a prepaid credit card that has limited funds on it then that would be the card that is on your account and obviously the charge wouldn't go through as there wouldn't be enough of a balance on it to cover the fees and your membership will then decline or turn off your credit card so no charges can go through  Daz has made it quite clear that you will not get your money back regardless of the circumstances.

    I have to say it does leave you with a bad taste in your mouth unfortunately ...

  • KharmaKharma Posts: 3,214

    Another point, on the issue regarding tokens, I manage a large hotel and all our transactions are done by credit card, we are completely cash free, when we get credit cards there is also a token placed on them instead of the actual credit card information, but even with that we would never charge a credit card that is issued for a one time use, we always get written permission as an authorization form from the credit card holder or make sure that the authorization form states it can be used ongoing ( this would be similar to the recurring checkbox)  We follow these steps to always remain PCI compliant with the credit card companies in the event that their would be a chargeback filed against us by the guest for using an unauthorized credit card. Maybe the banks and credit card companies in the US have different policies than we do up here in Canada.

  • barbultbarbult Posts: 24,248

    This is horrible customer service. If recurring is not checked, how can they justify renewing it? And blocking you for a legitimate dispute???? I have canceled my subscription so this doesn't happen to me. I won't be shocked if your message here is deleted (and mine, too.)

  • KharmaKharma Posts: 3,214

    I hope my information doesn't get deleted, I posted it in hopes of helping others who run into the same problem I did, I was definitely disappointed in the response I received but at least they will give me the difference between the yearly and quarterly in store credit so that's something . I will absolutely be more diligent in following up on my account in the future though.

  • I wonder how many of us are going to turn recurring off right now. I am.

  • KharmaKharma Posts: 3,214

    jhogenboom_da69c035a9 said:

    I wonder how many of us are going to turn recurring off right now. I am.

    that doesn't seem to matter, I had it unchecked, you actually need to cancel your subscription then when it reaches the expiry date it won't renew

  • barbultbarbult Posts: 24,248

    jhogenboom_da69c035a9 said:

    I wonder how many of us are going to turn recurring off right now. I am.

    Just turning off  recurring doesn't stop them from charging you, evidently. You have to cancel. It will remain active until the expiration date.

  • IceCrMnIceCrMn Posts: 2,130
    edited June 2023

    Thank you for the heads up ladies.

    Canceled mine just now.

    Many factors involved in this decision I won't go into.

    What happened to kharma was just the straw that broke the camel's back for me.

    Post edited by IceCrMn on
  • nonesuch00nonesuch00 Posts: 18,131

    always uncheck "Recurring" in you DAZ Account online immediately after you renew to avoid that problem & also don't use PayPal - use a debit or credit card.

  • TaozTaoz Posts: 9,943
    edited June 2023

    Another thing to be aware of is that even if your card has expired some companies will still charge you for renewing a subscription if they have your card on file, because they don't check or they ignore the expiration status. Happened to me - I was going to cancel a subscription at Crashplan but couldn't find any way to do it, but I noticed my card was going to expire at the end of the month anyway so I thought that if I didn't update the expiration date that would cancel the subscription automatically.  But no, they kept charging me anyway.  I complained to my bank but they said that even though the companies are supposed to check the expiration date they are allowed to charge you anyway if the card has expired, to avoid subscriptions being terminated by mistake if people have forgot to update the expiration date on the company site.  So I had to complain to the company instead.

    Post edited by Taoz on
  • richardandtracyrichardandtracy Posts: 5,693

    Hmm. That does sound awkward. I will confess it's not altering my decision about DAZ+ subscriptions, just conforming them.

    Regards,

    Richard

  • benniewoodellbenniewoodell Posts: 1,969

    Something similar to this happened to me last year. I can't remember exactly what happened but I had renewed it manually during a sale, and then it auto renewed even though I turned that off and I got charged for a second year with auto renew. That second time came during this sale too, so it charged me full price instead of the sale price that was going on. They refused to give me a refund, but did give me credit for the difference of what I paid and the price that it was on sale. This was actually the start of the end of me buying stuff here daily as they easily could have refunded the membership since I was still a member and hadn't used any of the perks. The amount of money I have spent here has dropped easily by 75% and I was spending a lot, this just left such a sour taste in my mouth. So I have one year left on my membership and that's it, I won't be renewing. I hope that 35 bucks they wouldn't refund was worth the thousands I haven't spent since. 

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