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FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

ftc.gov

101–110 of 793 posts

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#101
I wonder how this would work for gyms?

They should clean up their act anyway. If other customers are like me I’ve been putting off joining for over a year because they’re so scammy and I don’t want to get locked in.

I even went to sign up and walked out because the price ended up being double what they advertised with weird fees and the base plan not being useable once they explain it.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#102
post #28

There are so many things like this that have needed fixing for such a long time. The fact that something is happening, even slowly, is so heartening. If your reaction is wondering if this is legal then you should be interested in the passing of new laws that make it unequivocally legal. Society should be able to govern itself.

This feels like one of those things that could be solved on the payment end with something like a unique payment ID for each subscription, rather than giving a CC number. Then you just enable or disable payment IDs (perhaps for a limited time, e.g., "create a payment ID that works for Netflix for the next three months but not after that"), rather than relying on vendors to decide whether they feel like charging you o…

privacy.com

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#103

Honestly, this is the best thing if it changes the worst experience I've had cancelling something - Gyms. They make it crazy easy to sign up, but a pain in the ass to stop being a member (for example, if you move and forget to cancel good luck - they want you to come in and talk to the manager in a lot of cases)

You might be able to just beg. I had a frustrating experience with the YMCA a few years back with their cancellation flow requiring you to physically show up with a signed form and I called telling them I was trying to cancel because a spine injury made it impossible to work out and rather difficult and painful to even move, let alone travel to the YMCA, and they got a manager on the phone who canceled me after saying it was acceptable to take a photo of the signed form and e-mail it.

There's at least some hope of decency and empathy in an individual person empowered to override process prescription even if there will never be any in the dark patterns dreamed up by the corporate-level customer retention team.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#105
post #56

> will require sellers to make it as easy for consumers to cancel their enrollment as it was to sign up. I am very curious what exactly this means? Is it the number of pages or forms you had to fill out? People you had to talk too? So if for my internet I had to have someone come out to install it before service would start could they argue that they require someone to physically come out to turn off service? Or a ca…

They didn't require someone to come out to get you signed up for service. Litigation could resolve malicious attempts to "complicate" signups for the purposes of complicating cancellation.

> They didn't require someone to come out to get you signed up for service.

I am struggling a bit to understand how Comcast could not argue that it is required?

I don't fully remember but I don't think I started paying anything for my service until someone came out to install when self install wasn't an option. (I could possibly see them justifying removing self install in the name of retention later, since how many people really have a choice in their ISP and will just not deal with waiting for someone to come?).

If service was unable to start until someone came out, to me that could be argued as part of the sign up process.

I am not necessarily agreeing that it is part of the signup process. But we know that these companies love their shady practices and will have their lawyers finding any loophole they can find.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#106
post #28

There are so many things like this that have needed fixing for such a long time. The fact that something is happening, even slowly, is so heartening. If your reaction is wondering if this is legal then you should be interested in the passing of new laws that make it unequivocally legal. Society should be able to govern itself.

This feels like one of those things that could be solved on the payment end with something like a unique payment ID for each subscription, rather than giving a CC number. Then you just enable or disable payment IDs (perhaps for a limited time, e.g., "create a payment ID that works for Netflix for the next three months but not after that"), rather than relying on vendors to decide whether they feel like charging you o…

My understanding is that under the hood this does happen, but in the company's favor-some memberships will survive your credit card changing? There was a patio11 article about it which I can't find at the moment. (edit: maybe not. maybe it was a tweet? in any case I remember it being a thing)

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#107
post #28

There are so many things like this that have needed fixing for such a long time. The fact that something is happening, even slowly, is so heartening. If your reaction is wondering if this is legal then you should be interested in the passing of new laws that make it unequivocally legal. Society should be able to govern itself.

This feels like one of those things that could be solved on the payment end with something like a unique payment ID for each subscription, rather than giving a CC number. Then you just enable or disable payment IDs (perhaps for a limited time, e.g., "create a payment ID that works for Netflix for the next three months but not after that"), rather than relying on vendors to decide whether they feel like charging you o…

The problem, is that not paying does not get you out of the legal obligation to pay. Most companies won't follow up because the cost isn't worth it, but there are definitely organizations that will go after you or sell your debts to collection agencies...

The marginal cost to a gym/ISP of the remaining duration of your contract is basically zero, especially if you're not going to use it, and they can get a few more dollars by being a jackass about it. In aggregate the incentives dominate.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#108
post #56

> will require sellers to make it as easy for consumers to cancel their enrollment as it was to sign up. I am very curious what exactly this means? Is it the number of pages or forms you had to fill out? People you had to talk too? So if for my internet I had to have someone come out to install it before service would start could they argue that they require someone to physically come out to turn off service? Or a ca…

> could they argue that they require someone to physically come out to turn off service?

In the case of in-person consent the rule requires that they also offer an online or telephone cancellation option.

> Could they make the signup and cancel process worse at the same time [...]

"must be at least as easy to use as the mechanism the consumer used to consent to the Negative Option Feature.". I read that it must hold true for every specific consumer based on how hard it was for them to consent.

The rules also sets general restrictions to the online and phone options in addition to the "at least as easy" restriction. For Online the cancellation option must be "easy to find" and explicitly bars forced interaction with representatives or chatbots during cancellation unless they were part of the sign-up process. For Telephone the cancellation must be prompt, the number must be answered or accept voice messages, must be available during normal business hours, and must not be more costly than a call used to sign up.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#109

Earlier quoted context omitted.

Sure, that is how it was designed. The reason it doesn't work that way anymore is because of a continuous parade of states violating Americans' rights, each one so egregious that people said "yeah, it was designed the way macinjosh describes, but boy it turns out a lot of these state 'cultures' or 'identities' are producing despicable outcomes for our fellow Americans, and we should step up to prevent those abuses."

"I know better than the people that voted for their own state government so I am going to force my will upon them." Mindsets like this are actually why democracies fail.

I'm downvoting this comment chain because you're just throwing low effort critiques without addressing any of the big points. 1) why is tens of millions of people in a state enforcing the will of the majority on the others fine but hundreds of millions of people in the country enforcing the will of the majority on others "not caring about the consent of the governed" and "the reason democracies fail"? 2) why is it okay that people should have to vote on whether others can prey on them, exploit and abuse them? How is this one of the things you think is really important to speak out about?

In the context of this concrete discussion, allowing customers to cancel contracts they don't want - that's something which you object to because you want companies to be allowed to keep taking your money against your will, because consent matters to you? That is obviously self-inconsistent.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#110
post #28

There are so many things like this that have needed fixing for such a long time. The fact that something is happening, even slowly, is so heartening. If your reaction is wondering if this is legal then you should be interested in the passing of new laws that make it unequivocally legal. Society should be able to govern itself.

This feels like one of those things that could be solved on the payment end with something like a unique payment ID for each subscription, rather than giving a CC number. Then you just enable or disable payment IDs (perhaps for a limited time, e.g., "create a payment ID that works for Netflix for the next three months but not after that"), rather than relying on vendors to decide whether they feel like charging you o…

A number of credit card companies offer virtual card numbers that you can generate to avoid giving out your real number. I agree that it should be more normalized, widespread, and automatic, but it is already possible to start doing this today.
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