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10-07-2011, 03:50 AM #1WHT Addict
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Can't delete my credit card information from a host
Can't find it anywhere. Tried a few ways but every time I tried to scramble my card details, the system automatically try to verify it and if the information is incorrect, they'd refuse the modification......It seems they are probably intentional to not include the option for deleting my credit card information.
Is this legal?
If I request my credit card information to be deleted, are they legally bound to do that for me?
If they refuse to do that what are my options?
I was afraid that they may keep billing me after I have canceled my plan.
It's not a normal host but a eCommerce SaaS platform. Signed up with their $25 / month plan a few days ago but it turned out to be very ugly - lost faith in them and wanted to go away yet this comment from this review is pretty scaring:
This is just an example of the tickets Ive been opening on Magento Go with no reply, zero, zilch:
Hi,
This is my 5th attempt at getting you to STOP charging my visa for my CANCELLED store. I would also request a refund for the funds taken WITHOUT authorization.
This will be my last ticket and my next move will be to get a lawyer and take extra effort to post reviews of your service everywhere I can.
I love to support start-ups, but this service is terrible.
Andrea
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10-07-2011, 03:54 AM #2CrocWeb Cloud - High Availability Cloud Website Hosting
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10-07-2011, 03:57 AM #3Web Hosting Master
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10-07-2011, 04:07 AM #4WHT Addict
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10-07-2011, 04:16 AM #5Web Hosting Master
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This process cannot be applied to Credit Cards, the automatic payments are from the merchant
They then need to be disputed once processed
As there is a contract in place, a method of payment probably needs to remain in place, see the Terms of the Contract
Usually this includes at least one payment method type
If you have a current account you may be able to add this
Once completed you should then be able to remove the Credit Card
You can then place a block on the current account, to refuse any automated payments from that merchant
Some Credit Card providers also charge for replacement cards
Equally, the replacement can often be identical unless you ask for a new CCV to be applied after explaining the situationM8 INTERNET : Simple and cost effective website hosting from the UK
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10-07-2011, 05:15 AM #6Web Hosting Master
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This process cannot be applied to Credit Cards, the automatic payments are from the merchant
They then need to be disputed once processed██ l Dedigeeks Shared Wordpress Dedicated Established 2006
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10-07-2011, 06:48 AM #7Actively learning French
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What I would do is to leave it in place and then simply request a chargeback each and every time they processed your card. This would force them to remove you as a client since it is bad for business to have chargebacks. Problem solved.
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10-07-2011, 07:03 AM #8Elite Webmaster
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@OP- The best and fastest way to stop this, is to replace your Credit Card info with a Credit Card Test Number. Their system will let you change your card to another card if you wish, using a test number from Visa for example will let you take your info out of their system and replace it with a test number. You can find some HERE.
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10-07-2011, 08:41 AM #9Web Host Reviewer
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Because it's not possible.
You have to cancel a card and get a new number re-issued.
Going through a cancellation and getting a new card is more hassles than it is really worth!
This is horrible advice. Don't do this. Your bank will refuse to cooperate.
I've never heard of this. Maybe if you lose a card multiple times, but not if you're victim of fraud.
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10-07-2011, 09:04 AM #10Web Hosting Guru
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If you requested your account to be cancelled they should remove your credit card details from their system. If for some reason they don't do it, best thing is to just cancel that credit card then.
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10-07-2011, 09:13 AM #11Web Hosting Master
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Once you give someone, anyone, your credit card details, it's a done deal. There are no do overs.
Hosting is like a box of chocolates, you never know what you're gonna get.
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10-07-2011, 11:23 AM #12Web Hosting Master
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10-07-2011, 12:08 PM #13WHT Addict
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As there is a contract in place, a method of payment probably needs to remain in place, see the Terms of the Contract
Usually this includes at least one payment method type
If you have a current account you may be able to add this
Once completed you should then be able to remove the Credit Card
You can then place a block on the current account, to refuse any automated payments from that merchant
Q: Is There a Contract?
Magento Go plans are offered on a month-to-month basis. There are no contracts to sign and you can cancel at any time.
@OP- The best and fastest way to stop this, is to replace your Credit Card info with a Credit Card Test Number. Their system will let you change your card to another card if you wish, using a test number from Visa for example will let you take your info out of their system and replace it with a test number. You can find some HERE.
1.png is where I can click "Edit" to edit my credit card details. It then goes to the page 2.png.
2.png is the "Edit" page. There are no place to edit the credit card numbers at all. If I scramble other details such as name on card or expiration date and click "Update", it give me an error as shown in 3.png.
3.png is the error.
They have made it practically impossible for me to erase my credit card information and I'm not in a contract with them at all.
If you requested your account to be cancelled they should remove your credit card details from their system. If for some reason they don't do it, best thing is to just cancel that credit card then.
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10-07-2011, 12:13 PM #14Elite Webmaster
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I've never heard of ANY retailer (or host for that matter), that after you have replaced the credit card details on file with a new card, will attempt to charge the old card instead of the new card which has replaced the old card.. OP - Just replace your credit card details with a test card number, problem fixed. If they still keep trying to charge you, they will not get a dime anyhow, and I really doubt they will go back and try to charge your old card after you have replaced its info with a new card.
Also, if you don't see an option to edit the current details, simply add a NEW card using the test number and once it is added to their system it will most likely allow you to erase the old one.HOSTLEET.COM, LLC - Elite Website Hosting Since 2008!
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10-07-2011, 12:28 PM #15Web Hosting Master
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10-07-2011, 01:01 PM #16Web Host Reviewer
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Then I can only say you've not been around online business long enough. Trust me, keeping historical data is quite common. Though most would never use this information as anything other than evidence (if needed), an unscrupulous organization could easily misuse the information. So if you don't trust a company, cancel the card. Otherwise it's not 100% safe (as close as you can get to 100%, at least).
It's not that it's not "possible" as much as it's against standardized banking practices. Card issuers like Visa and Mastercard have novel-length policies that deal with chargebacks, including all of the various scenarios therein. You simply cannot put a "block" in place like you do with a telephone number.
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10-07-2011, 02:32 PM #17Aspiring Evangelist
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Nope in here this is illegal they have to provide a way for you to modify it (or at verry least do it on your request) and they cannot use your card without your (cardowner) authorization.If they do call your bank (the one that issued the card) and have all unauthorized payments reversed also they should NEVER display your complete cc number (only last four digits) and they should state in there terms to who that information is viewable
Last edited by cpanellover; 10-07-2011 at 02:38 PM.
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10-07-2011, 06:30 PM #18Aspiring Evangelist
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This account is no longer active!
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10-07-2011, 08:54 PM #19WHT Addict
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I can't add it unless it's a valid card. See attached images.
Tried to add a new make-believe card of "John Doe" by clicking "Add New Credit Card" in 1.png, and it brought me to 4.png. Clicked "Save" in 4.png and it's that verification error again, in 5.png.
Can't believe it. Magento is simply bullet proof in disabling the customers to erase their CC!
Try and change the credit card to 4921111111111111, this is the Mastercard test number, while it passes the LUHN Formula, it will always come back as a declined card, unless they have left their credit card gateway in "testing" mode.
Nope in here this is illegal they have to provide a way for you to modify it (or at verry least do it on your request) and they cannot use your card without your (cardowner) authorization.If they do call your bank (the one that issued the card) and have all unauthorized payments reversed also they should NEVER display your complete cc number (only last four digits) and they should state in there terms to who that information is viewable
And after 18 hours as of now, NO one got back to me. This is the kind of support you receive at Magento Go, the reason why I decided to cancel....
Fingers crossed how they actually would respond to my question or IF they would delete my CC as per my request..Last edited by yangyang2036; 10-07-2011 at 09:01 PM.
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10-07-2011, 09:00 PM #20Web Hosting Industry Expert
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I didn't see if you did (maybe I missed it) but did you contact the provider and ask them to remove the details manually?
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10-07-2011, 09:09 PM #21WHT Addict
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Thanks Mike for asking. I did, just didn't mention it on the posts until the very last which I posted a few minutes ago.
I sent a support ticket asking for removal of my CC details AND a question at here 18 hours ago: http://collaborate.magento.com/magen...in_your_system
Still waiting for a reply. No one got back to me thus far. May soon find out.
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10-07-2011, 09:11 PM #22Web Hosting Industry Expert
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Sounds good, some providers simply do not allow you to remove the details yourself so that you have to contact them to do it. Many instead of canceling just quit paying and removing a card is a leading way to do that.
If you force them to contact you to remove the details you can, at that point, ask them if they wish to discontinue the service so you can process the cancellation if you feel that may be what they are doing.
It takes years of experience to be able to read that sort of thing from a text based medium, however.█ Michael Denney - MDDHosting.com - Proudly hosting more than 37,800 websites since 2007.
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10-08-2011, 12:31 AM #23Junior Guru
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I pray you do not, believe it or not. According to the essay my bank handed me with my merchant services agreement, keeping the PAN beyond the length of time needed to process a payment is a violation of PCI DSS, and is grounds for immediate termination of my agreement. If the card is not needed for charging purposes, keeping it at all violates the security standards.
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10-08-2011, 01:04 AM #24Cloud Engineer
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All billing systems will check if the # is even valid, there's a algorithm to it. I would say go google the algorithm and put up a new number, but it's also likely you could put in someone else's legit # and could get you into trouble.
Best course of action is to call your bank and have them block that company from charging you and file a complaint with them as they are in violation of their charge agreements with the processor. Assuming you put in a request in writing or through their system that shows you cancelled your service.
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10-08-2011, 01:45 PM #25Web Host Reviewer
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Again: THIS CANNOT BE DONE.
Stop suggesting it.
A credit card company is unable to block companies in the same way that you could block phone numbers. If you need to block a charge from an existing company that is creating fraudulent transactions, cancellation and re-issue of the card is the only way to prevent further charges. Most companies learn their lesson after a chargeback, but there are amateur businesses out there who wish to waste your time (and endanger their own ability to process cards).
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