Everything being online with apps these days

gadget88

Just looking for some feedback and experience on this. I used to gamble and won two big wins and they closed my account. My bank stopped me using apple pay recently and still not fixed this. I have heard of people being kicked of apple and Disney too. In an age where we bank digital and watch movies digital this is a worry. I have heard of people's movies vanishing after paying. Yes you can use dvd and old fashioned bank cards but there's supermarket loyalty cards now too it's hard not to have an app for everything. However they can take a dislike to you. I also signed up for a subscription online no way to cancel was told cancel monthly. Only way is for dispute it via bank and the website talks about taking legal action if you don't use the 30 days minimum. Also heard dating sites kicking people off Facebook social media ect Twitter use to bad bad. How do you navigate in a digital world without going back to old fashioned dvds ect

eskbanker

That doesn't seem to be a consumer rights question as such, perhaps more suited to the praise, vent and warnings board?

Exodi

All of the "I have heard"'s in your post just reads as confirmation bias (to be honest your whole post reads as confirmation bias that things are worse now than they were in the past - I mean "they can take a disliking to you" in reference to supermarkets? Come on).

I don't know what "Also heard dating sites kicking people off Facebook social media ect Twitter use to bad bad" means.

More generally, companies refusing services to certain customers is nothing new. In your first example, having an online betting account closed is no different to being physically ejected from a casino.

I suspect I am much younger than you, and would agree that there does seem to be an app for most things (but I find this to be a good thing, much easier than having to physically do things or sit on the phone). I don't however have this problem you imply where my online accounts are constantly being randomly closed because the evil companies want to demonstrate their control over me.

As well as eskbanker's suggestion that this isn't a consumer rights issue and belongs in the praise, vent and warning board, I'd suggest this is just a typical 'back in my day, everything was better' thread. 

tacpot12

It's a big concern to me that people can be 'debanked' for relatively innocuous activities. At the very least there should be the possiblity of being allowed a second chance, once the cause of the problem has been communicated to the customer. If they repeat the transgression, then fair enough.  

Ergates

tacpot12 said:

It's a big concern to me that people can be 'debanked' for relatively innocuous activities. At the very least there should be the possiblity of being allowed a second chance, once the cause of the problem has been communicated to the customer. If they repeat the transgression, then fair enough.  

Do you have examples of people being debanked for "relatively innocuous activities" ?

Bradden

tacpot12 said:

It's a big concern to me that people can be 'debanked' for relatively innocuous activities. At the very least there should be the possiblity of being allowed a second chance, once the cause of the problem has been communicated to the customer. If they repeat the transgression, then fair enough.  

What  "innocuous activaties" have people bene debanked for? I thought it was mainly money laundering activaties which caused this.

400ixl

You have potentially been listening to too many conspiracies.

Some banks do not allow gambling transactions, just as some don't allow crypto currency transactions. If you are with one of those banks and trigger their rules, then they are well within their rights to close your account.

It could of course also been two big payments that triggered their anti money laundering investigations which they deemed they could not guarantee it was not money laundering. Again that would trigger account closure, and in this case they are not allowed to tell you why.

Simple answer, don't do anything that is against their rules or out of the norm.

As for dating sites being able to kick you off of Facebook and X. That is just rubbish, they have no ability to have your accounts closed there. If they are running a dating group on Facebook, they could of course stop you having access to that group, but can't affect the wider access.

The only reason people tend to get kicked off of Apple+ or Disney+ if that is what you mean is where they are sharing passwords or watching from countries they do not allow. Again breaking their rules.

Vanishing media will also be when someone has done something that has had their account closed. For example if you purchased content on one of these digital platforms on a basis it is yours to keep, not just rent then if you do something that gets your account closed you lose access to that media.

The Apple Pay issues sounds like a technical issue that needs to be fixed. If it is Barclaycard then they seem to be forever having issues with Apple Pay. There are alternative accounts available.

As for the subscription, there are lots of dodgy sites out there that make it difficult or unclear on how you cancel. Make sure you know how the cancellation works before you sign up. If it not clear then avoid it.

All in, if you act appropriately then pretty much all of your scenarios will never happen, and some can't anyway.

Stop reading stuff and taking it as gospel, apply common sense and be clear on the rules of the service provider and don't break them.

This is how the vast majority of the world gets on with digital services with no issues.

born_again

tacpot12 said:

It's a big concern to me that people can be 'debanked' for relatively innocuous activities. At the very least there should be the possiblity of being allowed a second chance, once the cause of the problem has been communicated to the customer. If they repeat the transgression, then fair enough.  

Like many posts in the banking section where accounts get closed. 
Only one side is ever heard & never with full fact's other than   the claimed "I have done nothing wrong".

Banks closing accounts is not something done lightly. Decisions are not made by just one person, & will require a high up manager to sign off & take months to get to that point. If it's a immediate closure, then it is safe to say that the bank has solid evidence of wrong doing. Be that mule transactions or something else.
60 days notice simply means they no longer want you as a customer for whatever reason.

tacpot12

Ergates said:

tacpot12 said:

It's a big concern to me that people can be 'debanked' for relatively innocuous activities. At the very least there should be the possiblity of being allowed a second chance, once the cause of the problem has been communicated to the customer. If they repeat the transgression, then fair enough.  

Do you have examples of people being debanked for "relatively innocuous activities" ?

I don't have any specific examples that I can cite, but I seem to see about one a week on the MSE forums;  there are too many for them all to be money launderers. Most are unaware of why they have been debanked and can't understand it. They might be being economical with the truth, or they might have an inkling of why they have been debanked, and don't want to provide any hint of the reason because they suspect people will just agree with them.

To me, receiving regular gambling payouts from a regulated betting organisation should not be a reason to be debanked, at least not without a warning.  

Undervalued

born_again said:

tacpot12 said:

It's a big concern to me that people can be 'debanked' for relatively innocuous activities. At the very least there should be the possiblity of being allowed a second chance, once the cause of the problem has been communicated to the customer. If they repeat the transgression, then fair enough.  

Like many posts in the banking section where accounts get closed. 
Only one side is ever heard & never with full fact's other than   the claimed "I have done nothing wrong".

Banks closing accounts is not something done lightly. Decisions are not made by just one person, & will require a high up manager to sign off & take months to get to that point. If it's a immediate closure, then it is safe to say that the bank has solid evidence of wrong doing. Be that mule transactions or something else.
60 days notice simply means they no longer want you as a customer for whatever reason.

Which surely they are free to do, unless the real reason amounts to unlawful discrimination?

I believe there is a legal right to a basic bank account (??) but any services beyond that are at the bank's discretion.

born_again

Undervalued said:

Which surely they are free to do, unless the real reason amounts to unlawful discrimination?

I believe there is a legal right to a basic bank account (??) but any services beyond that are at the bank's discretion.

You are correct.