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To tell you this story I actually have to take you back in time a bit first. To 2013 when my husband upgraded his Xbox 360 to a shiny new Xbox One. He plugged it in, he got all excited, and then he realized he didn’t remember his login for his Xbox 360.
That fall, though, I noticed that we had a charge in our bank account for an Xbox live membership, and told my husband we had been charged again, and then it happened the next March, and again the next September. Every time my husband basically told me he thought I was insane, they weren’t charging us twice a year. I was just imagining it.
Y’all, this is where it gets embarrassing. I let it go on, for four years! Four freaking years!
It was pure laziness on my part, I wanted my husband to make the call…it’s his Xbox after all. He wanted me to make the call because I’m the main one who handles the finances. We were both stubborn and it could have cost us a lot of money.
Note I said could have.
This past March, when it happened again, I finally got annoyed enough to make the call. It turned out that Xbox Live payments are made like an ACH payment. Many banks, my bank included, allow recurring ACH payments to go through on a card even if the card is expired. They just push it through like it is the new card number.
Thankfully, since we were being billed from two completely different Xbox Live accounts, they could prove that we had been paying for two subscriptions the last four years and agreed to pay us back all of the money we had been charged in that time for our original account. It was 239.98 to be exact, in one 15-minute phone call.
I think it was well worth my time.
And I’m glad I learned that lesson then because in April we discovered that another company also had us on recurring ACH payments that we were unaware of. It was something my husband had accidentally signed up for when he was setting up his business. We caught this one after only two months and that 30-minute phone call earned us over 500.00.
Have you ever experienced a situation like this? Tell me your story in the comments section below!