If this had happened in the UK, you'd have the option to pro-actively block the payment, recover it, and legal standing to defend getting your money back.
Letting companies redefine the rights of their customers seems bizarre to me.
I'm sure it's obvious by now but perhaps it's worth restating:
Those companies have large budgets for contributing to elected officials' campaigns. The individual consumers negatively affected by these practices can't band together as efficiently as the large business on the other side of the abusive behavior.
As long as enough elected officials entertain these businesses in visits, allow them to help write legislation, and accept contributions from them, it won't change.
Also, executive agencies have to put out proposals for new rule making and allow a period of public comment. The business in the sector have entire staffs and/or contract with firms whose job it is to watch these publications and craft intelligent responses backed up by fudged data to "prove" how "damaging" these policies would be to the industry.
The individuals who respond are mostly retired people/activist citizens who can only say "this is a bad idea and I don't like it at all."
I consulted with some lawyers and they told me since I had only done business on the phone (the only way the company does this business by the way) that was essentially my word against the companies. There was no way to email them and even when I did they refused to confirm or deny any account status unless I called them.
That's not to say consumer rights aren't important, I think America could do better, but I certainly do not feel protected in the UK. It's worth noting that the bulk of my exposure to UK based utility companies or government departments has suffered from similar problems, no easy way to paper trail requests made making these kinds of consumer rights ombudsmans worthless.
Keep a record of that and when it comes down to having to make a complaint you can present it to the ombudsman.
> Letting companies redefine the rights of their customers seems bizarre to me.
Maybe it's just what I was used to, but I think it's far more annoying in many European countries (not sure about the UK but at least the one I live in) where it's harder to return products without specific proof and following strict guidelines, virtually impossible to get a credit or debit card that covers all fees for normal international use, difficult to get a fraud or improper charge on a card statement immediately rescinded, etc.
I'm not sure how exactly it compares, but every credit card at least in my lifetime in the US has been bound by these same protections.
> What kind of cover for fees for international use are you talking about?
Sorry, this is more of a tangent that I should have denoted, as it's not specifically related to fraud or consumer rights. At least compared to the major European and Asian countries in which I've traveled or lived in, credit card and bank/debit card offerings in the US are extremely generous in benefits, rewards, fees, etc. I actually still sometimes use my US card in a European country because my US bank offers lower fees than my domestic bank (in the home country) for ATMs, currency exchange, card replacements, etc.
> Speaking from Australia, we have outstanding customer protection and rights, and no massive hoops or hurdles to go to get it that would be more significant than anything in the US.
I'm honestly not sure how this compares to the US or elsewhere as I've never been to Australia. I'm regularly surprised by how inflexible businesses seem in much of continental Europe, however.
That's true in my experience. It's hard to find a card that doesn't charge ridiculous fees for foreign transactions (even in local currency), for example.
There's the other side of the medal though. Which is that somebody is going to pay for this generosity by the card companies.
Either merchants pay ludicrous fees, which are severely capped in Europe. Or card companies outright rip off the less fortunate members of society by usurious interest rates and fees. Fees, which may be outright criminal[1] if charged in some of the European countries.
[1] That's not hyperbole. For example: Interest rates in Switzerland are capped at 15% annually. If you charge more than that for a loan it's usury, which is part of the criminal code.
Probably still better than US, but that's not saying much.