Post Reply trouble cancelling premium
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Posted 6/4/16
Already sent an email but figure I might have more of a chance at a fast response this way

Money's tight and I need to cancel for a month by tomorrow or I'll be charged and possibly go into overdraft
I tried to access my premium status on both my pc and phone but all I see is a white screen to the right of the settings tabs.

I've tried to simply change my card using the payment method settings
But whenever I try to access that I only get an error message

Hoping someone can help before I get charged
Honestly I might cancel for good if I do
The Wise Wizard
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Posted 6/4/16 , edited 6/4/16

mikeysofine wrote:

Money's tight and I need to cancel for a month by tomorrow or I'll be charged and possibly go into overdraft

CR tends to have problems when you try to cancel on the cusp of a renewal, apparently due to already trying to authorize the payment.

You also have the problem of CR not having as much customer support staff on the weekends, and apparently some recent problem with the system causing some extra work for them.


Skip the next paragraph if you aren't in the US:

The good news if you are in the US and are paying via a debit card tied to your bank account, you can't overdraft unless your bank tricked you into authorizing that. A few years ago the law changed so that any debit card charge that would result in an overdraft would be denied. But, that law also allowed you to be allowed to opt in to the old method, and some banks used some tricky language to get people to agree to opting back in.


You may want to contact your bank and verify, "If a debit card charge comes in that I don't have the balance to cover, will it simply be denied, or will it be accepted and and overdraft fee charged?" (unless you've already had this happen before).

Of course, if the problem is that the account can cover the CR charge but then wouldn't have enough to cover some outstanding check, then all bets are off. If that's the case, and given the possibility of CR not being able to act fast enough, I would advise working on borrowing a few bucks from a friend or family member to deposit in case they are too late.
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Posted 6/4/16
Hmm I'm going to have to check that. I don't remember having to accept any new terms with my bank but they got me for something similar a few months ago (which is why I'm so paranoid about this) Now I'm wondering if they were in the right back then.

But alright. Someone can probably spot me but if not I sawyer this thread http://www.crunchyroll.com/forumtopic-886799/they-wont-let-me-cancel-my-membership?pg=3 where someone was canceling renewals and refunding charges. I don't know when the bank'll get me for it (I'm thinking Monday because of weekend hours & stuff) but hopefully I'd get a refund before the overdraft charges occur.

Thanks for the response.
I would've canceled sooner but I just noticed my status the other day and thought I'd lose premium right then and there if I did.
The Wise Wizard
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Posted 6/4/16

mikeysofine wrote:

Hmm I'm going to have to check that. I don't remember having to accept any new terms with my bank but they got me for something similar a few months ago (which is why I'm so paranoid about this) Now I'm wondering if they were in the right back then..

In short, this is the law regarding overdraft fees on debit cards:
http://www.helpwithmybank.gov/get-answers/bank-accounts/overdraft-fees-and-protection/faq-banking-overdraft-12.html

If they did trick you into electing overdraft "protection", you should also be able to easily revoke it, usually by calling your bank, or perhaps online.

As to not remembering ever doing that, you wouldn't be alone:
http://money.cnn.com/2015/05/12/pf/overdraft-fees/

As of 2010, federal law now requires banks give consumers the option to "opt-in" to an overdraft program that would cover a purchase. But a 2014 Pew study found more than half of the people who overdrew their checking accounts in the past year didn't remember consenting to the overdraft service.


If you do end up with an overdraft fee due to a debit card charge and don't recall opting in, you could always challenge when you opted in, and if the person you speak to daftly claims that wasn't necessary or there is no such law, here's what you need:
https://www.congress.gov/bill/113th-congress/house-bill/1261

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