Why can't a credit card company stop monthly charges from posting to an account after the account has been closed?

You must have, at some time, agreed to automatic withdrawals. And you should have to do the extra work because it’s your money-you bought the services, not Amex.

@faye I agree that I purchased the service from AAA but why does Amex accept the charges if the account has been closed?
If the Amex account is closed because I no longer want to pay $75 per year for their services why can’t they reject the charges. Not accept and credit but just plain outright refuse to accept them?

SRM

They certainly should not be accepting those charges. I know that when I canceled a credit card account, and failed to update my recurring charges from 3rd parties, the credit card company denied the charges. I then got letters/phone calls from the 3rd parties asking me to update my information.

Plus, maybe they think it might make you rejoin.

@faye
@augustlan
I’ve had the same experience as both of these answers but ultimately it’s your responsibility to cancel re billing. I know it’s annoying and I try hard to keep track of it all myself. For that reason I usually avoid all but business automatic debits.

Aside from automatic debits, these companies are computerized and sometimes it takes time before the system is reversed to effect the changes in relation to the cancellation. As part of security, the true card owner should be the one to reverse charges until the credit company is able to update their systems.