Unauthorized Charge to bank account

Progressive Insurance taught me this lesson. Never EVER allow a
company to have access to your checking acount. Let me say that
again: NEVER EVER ALLOW A COMPANY TO HAVE UNLIMITED ACCESS TO YOUR
CHECKING ACCOUNT!

I used Progressive as my auto insurance provider when I first moved to
GA (2001) and stupidly gave them my checking account number to do a
auto debit to pay my insurance. The rep told me that I would get a
bill BEFORE there was a debit to my account, so I could make sure that
the money was there. She even gave me a date that the debit would be
on. Low and behold, she was wrong about the date and I NEVER got a
paper bill. They withdrew the money and thankfully I had plenty of
money in the account to insure that no problems happend, but what if I
had not of? I called Progessive and had them cancel the auto debit
and asked that I recieve a paper bill from that point forward and I
would send them the money.

Why did you give them a debit card/bank account? That is your own
stupidity! I worked for DishNetwork, and I am sure Directv's
cancellation fees work the same, if you would have read the contract
you signed, it gives them the right to take out the cancellation fee
out of whatever account you give them. Did you think they wanted your
bank account information up front for no reason? You should have used
a creditcard so you could dispute the charge if you don't agree, but
you would not get anywhere there either, because they WERE authorized
to take it out you were just too stupid to read what you were signing.
And why are you bringing up your pregancy? That has NOTHING to do
with this!!!!!!!!!!!!!!!!

So you're too poor to pay your bills, but you have enough to get
knocked up, afford pregnancy and childbirth, and then take care of the
little screamer for...oh, let's be honest, this is America...25 years?
PLUS DirecTV?

Okay, lady. You got your fees back, but I don't think that's going to
solve all your financial problems.

Usually, a cable company doenst charge a cancellation fee. Not that I
have ever seen anyway. Also, I don't thin Direct TV has anything on
the site abouta fee. Glad you got your money though.

" I am unable to even pay for my gas at the gas station. I am now
having to pay a $28 fee to my bank everytime a pending transaction
clears my account that there is no money in there to cover."

So... do you just drive off after getting gas?

Sorry that losing $347 is huge hardship for you -- it would be to most
people. I imagine that the paperwork you initially signed gave them
permission to take the cancellation fee directly out of your account
because so many people wouldn't PAY that last bill.

Admit it, you're pretty broke, can't afford gas, you're bouncing
checks... you wouldn't have paid the cancellation fee if it just were
sent to you via a regular bill in the mail.

WELL REGARDLESS OF WHAT YOU PEOPLE THINK, IF IT HAPPENED TO YOU, YOU
WOULD COMPLAIN TO, SO GIVE IT UP. IT JUST SO HAPPENS THAT I WAS RIGHT
AND I HAVE BEEN REIMBURSED FOR THE FEES.

BY THE WAY YES I DID READ THE FORM THAT I SIGNED WHEN THE INSTALLER
CAME OUT TO MY HOUSE TO INSTALL THE SERVICE THERE WAS NOTHING ON IT
ABOUT A TWO YEAR AGREEMENT AND A FEE. THAT WAS PART OF WHY I FOUGHT
THIS SO MUCH.

Sorry but your reply below doesn't cut it. When you signed up for
service at some point you had to agree to the terms and conditions.
If it was online, you click "I Agree". If it was in person, you are
given a paper contract and if it was on the phone, you are recorded as
to agreeing to the terms and conditions. Most people don't read them
and apparently you didn't.

The rep informed you of the fee and you went ahead and cancelled
anyway so you are responsible for paying it. Sure, you could dispute
it but it doesn't mean you would be successful.

I HAD NO IDEA THERE WAS A 2 YEAR AGREEMENT! THAT IS MY POINT. THERE
WAS NO CONTRACT ABOUT HOW I PAID. I PAID ONLINE EVERY MONTH AFTER
RECEIVING MY STATEMENT. I WAS INFORMED THAT AFTER CANCELLING SERVICE
THEY JUST CHARGE ANY REMAINING AMOUNT TO THE CARD THAT WAS USED WHEN
SERVICE WAS ACTIVATED. I DO NOT FEEL LIKE I OWE THEM ANYTHING. THEY
NEED TO MAKE THEIR TERMS MORE AWARE. IF YOU NOTICE I AM NOT THE ONLY
ONE WITH THIS PROBLEM.

And what was in your contract regarding cancellation policies and
fees? Also, what was in that contract about how any fees were to be
deducted.

If you had a two-year agreement with DirectTV, then sorry, it sounds
like you terminated the contract early and most likely owe that fee.