In my limited times with Paypal with scam-like charges, Paypal never approves my request.
On the other hand, all my credits card companies, Citi/Chase/etc. approved my similar requests after a review process.
On the other hand, all my credits card companies, Citi/Chase/etc. approved my similar requests after a review process.
Why does anyone still use PayPal?
Paypal.com -> Subscriptions -> Unsubscribe
Paypal makes it two or three clicks to unsub from any reoccurring payment. No dark patterns or "call us" required. I use it whenever I can for subscription services.
By the way, I did this ages ago, deleted my account, closed what I could, and I still regularly get a mail from PayPal that they changed their terms.
For example the New York Times forces you to call and speak to a retention specialist if you want to cancel and you paid by credit card. With PayPal it's 3 clicks.
And sadly there are people (on this thread) who still blame the OP. Of course the payment wasn't authorized, and the OP is very articulate about what happened. At the end of the day, money middle-men are very effective at pointing fingers at one-another, the effect being that the user will throw up their hands and give up. (This happened to me once and cost me about $15k, and I was unable to recover any of it). But what makes it even worse is how conditioned we all are to accepting blame for what is, ultimately, an authentication mistake made by the financial institution(s).
In both cases, Discover approved charge-backs for the PayPal charges to my card.