A payment was taken from a deleted card?!

Help
1

There was a payment just taken from my account for a subscription that I had forgotten about. It was an annual subscription.

But, the card is deleted. It isn’t on my account. It was my old “Monzo Plus” card or something. (The white metal card). I no longer have that card and it’s no longer on my account.

I didn’t want to pay this. It was declined a couple days ago and I deleted the account and cancelled the sub it was associated with. It’s also using an old address. So they don’t have any details other that my old card details.

This morning I had an email thanking me for joining and the transaction is there and not declined.

What can I do here? This payment is from a deleted card.

2

Contact the company the subscription is with

3

You need to speak to the company.

Replacing your card and/or cancelling your direct debit doesnt stop the contractual agreement you’re in to pay

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4

They’ve already said that they cancelled the subscription with the company concerned.

I’m wondering if this is a case of Mastercard updating the card details with the merchant? Not sure how or if this works reliably, though, so may be wrong.

5

After the initial payment attempt was made.

This is definitely the case that they tried, it failed, got updated card details from Mastercard, retried & it succeeded.

They need to contact the company that the subscription was with & get them to refund it if their terms etc allow. :slight_smile:

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6

It reads like they did it online then deleted their account. So it may not have been explained well

Being near the end of the month it was either too late or they’re still in a contract is my guess.

7

I cancelled it after the first payment attempt.

TBH I didn’t know there was a subscription that would renew.

I bought a product which came with “a year of this service for free”. I never used the service. Looking now, a year ago there was a £0 card check from them.

With no email or notification the payment was taken. So yeah, I should have cancelled. And would have done if I knew this was gonna happen.

I’ve reached out to the company.

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8

Also…

I thought one of the selling points for the virtual cards (not that this is one) was that you could delete them and it would stop payments like this happening?

9

Yea, but you didn’t pay for it on a Virtual Card - you paid for it on a physical card, and then when the subscription failed Mastercard passes your new card details to the merchant.

If your card is replaced for fraud it won’t (shouldn’t) do this, just expired cards. To make it so that you don’t have to update the card details everywhere.

With a virtual card, there is no “replacement” card.

Either way, you should always cancel subscriptions at the point of origin if you can.

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