![]() "Your bank will gather your information and create a claim on your behalf."ĭo you have a consumer problem that needs solving? Contact David P. "Remember to save emails and correspondence attempts with the merchant so you can share these with your bank," said TD's Schmidt. "If that doesn't work, or they are not responsive, then you contact your financial institution."īaxter was right to save her emails to King Isle. "You contact the merchant, whoever it is you are paying, about discontinuing the service and stopping the automatic billing," said Greg McBride, chief financial analyst at. So what can you do if you are faced with a similar situation? You need to follow certain steps. "It has been such a frustrating thing to try to contact a company" that didn't respond. "I just wanted to say thank you so much," she said. "And while the process between the bank, Visa and the merchant can sometimes take weeks, we're also happy to report that the $9.95 charge that has occurred on her account since last summer, when she first attempted to cancel the services with the merchant, has been refunded," Schmidt said.īaxter was happy and relieved. TD Bank filed a merchant dispute claim on Baxter's behalf, spokeswoman Judith Schmidt said in an email to Press on Your Side. The Electronic Funds Transfer Act is there to protect consumers and provides a way to stop a recurring automatic charge. We knew there was something they could do to stop the automatic charges which were debited from her checking account via a Visa-branded TD Bank debit card. ![]() But after two tries, there was no response. Press on Your Side took up her case and tried to contact King Isle so someone there would know what was happening. "It is just impossible to end the membership," she said in a later interview. I am wondering how many other parents out there are having the same problem." "My attempts at cancellation have been futile, and I am usually pretty good at these things. "But $10 keeps coming out of my bank account every month for something that my son no longer uses!!" she wrote. Also, since he hasn't played it in a long time, he does not remember the password."Īgain, she didn't hear from the company and contacted Press on Your Side through Facebook. "I do not know the password on my son's account. "Can you assist me in unsubscribing?" she wrote in another email, this one dated Dec. "I would like to discontinue my son's membership for Pirate 101," Baxter wrote in a June 14 email to the company. But a recorded message told her to contact the company through the website. They also tried to reset the master password for the account, but were unsuccessful.īaxter called a telephone number for King Isle listed on her bank statement. "I asked my son to log-in to end the membership, but he could not remember the password for the account," said Michelle Baxter, 41. "It really wasn't that interesting anymore," he said. "You are a pirate and you can make your own crew," Clayton said.Ĭlayton played for several months until he stopped logging on. In the case of Pirate 101, the basic charge is $9.95 a month. On its home page, the game is touted as a "free pirates game," but, as with many online games, players can upgrade with a paid membership. ![]() In mid-2013, Clayton signed up for Pirate 101 and played the game with his friends. ![]() Instead, TD Bank, Baxter's bank, took command of the helm. Press on Your Side got the charge stopped, but it was not done through King Isle Entertainment, which did not respond to our requests. Her son, Clayton, 13, no longer played, so she wanted to cancel the $9.95 monthly fee that was automatically eating away at her bank account. Toms River resident Michelle Baxter's son enjoyed playing an online game about pirates for a time, but when she wanted to cancel a $9.95 monthly membership, she practically had to walk the plank.īaxter couldn't get the attention of King Isle Entertainment, the company behind Pirate 101, a multiplayer online game featuring flying ships, buccaneers and musketeers.
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