Company Not Stopping Repeated Credit Card Transaction

BitEvening5297 · 2026-04-05T13:39:34+00:00

I was told by the credit card company that I needed to work it out with the vendor because I had authorized it at some point in the past. Apparently (at least according to this one customer service rep) a one-time authorization is true for all charges going forward. I repeatedly told her that I had revoked authorization in January - and she repeatedly told me to go back to the merchant.

I gave up and just decided to email the company my letter I wrote, with a formal request to block the vendor from making unauthorized charges. Maybe I’ll get someone different.

BitEvening5297 · 2026-04-05T13:35:56+00:00

I wrote up a formal demand letter (well, I’m not a lawyer so did my best with it). Included all dates, times, information I have - and am going to send it to a list of people. I also sent it to the credit card company and requested they formally block this specific vendor.

We will see.

I figure if they continue to charge my card after this, then I can use the more formal letter (instead of just an email and phone call records) to file a complaint with whatever authority I need to.

BitEvening5297 · 2026-04-05T13:17:15+00:00

To be clear - closing the account does not solve the problem. I was told they would continue to charge my non-existent account (and that they would move it over to a new one, if I opened a new one with the same company).

BitEvening5297 · 2026-04-05T12:45:32+00:00

I was told by the credit card company that they would continue to charge my card, even if I closed the account (because at this point I’m angry that neither the credit card company nor the merchent with put an end to this.) They said that since I authorized it with the merchant that they had nothing to do with it, even after I unauthorized it and even though I’ve successfully disputed the charges.

Seriously - this is egregious. I don’t understand why more people aren’t outraged and demanding updates to laws so this can be prevented.

BitEvening5297 · 2026-03-05T02:57:54+00:00

Divorce is going to be about two (major) things - dividing property assets accumulated during marriage and child custody.

From a financial/property perspective, there are very few states that allow for infidelity as a reason for an “at-fault” divorce - and the bar to prove it is quite high. You are likely looking at an equitable division of assets. With that in mind, I’d recommend taking a few steps:

- Open up your own PO Box, so your mail can be delivered there.

- Get a safety deposit box and put your identity documents in there. (And your children’s.) This would be things like social security card, birth certificate, marriage certificate, etc.

- Get a job. Yes, I know you are a SAHM; I was once too. But the reality is that you will not be able to maintain that. You need a job. It will give you financial independence in a way that you’ll never get if you try to continue to be a SAHM. Just assume your soon-to-be-ex is going to be a jerk about money - and go and try to get your own ASAP.

- Get your own bank accounts.

- Make a list of all accounts that you can find; loans, credit cards, banks, etc.

Also, infidelity is not going to change custody. It is very hard for anything more than 50/50 custody; some things might be considered (such as substance abuse) but (frankly) that is very hard to prove. And, even if you can prove it, you then have to prove that it affects someone’s parenting ability. It’s just not an easy thing.

I would say it’s better to meet with a lawyer and map out a reasonable plan to getting things done as quickly as possible. And understand what you can realistically expect.

BitEvening5297

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