Question from a reader:
I have a question about the automatic withdrawal from my mobile carrier. I’ve been having automatic withdrawals from my account for a long time, and even when I tried to investigate what is being deducted, I couldn’t understand the contract details. I also couldn’t resolve it by calling them. My balance has run out, but the withdrawal
statement shows “DF Rakuten,” and since I’m using a different carrier, I don’t think it has anything to do with Rakuten. I’ve contacted Rakuten multiple times, but they told me there is no contract. I have no idea where to ask about this situation, and it’s already been two years. Is there no way to get my money back? Should I close my bank account? I have no balance left, and I’m worried about what to do.

Troubles with Mobile Carrier Withdrawals and Their Solutions

Hello everyone. Today, I would like to talk about questions regarding automatic withdrawals from mobile carriers and their solutions. Recently, I received a question from a reader. The content was about not knowing what has been deducted for an ongoing withdrawal and feeling anxious about the withdrawal destination being “DF Rakuten.” It’s truly puzzling that the name Rakuten appears even though they are using a different mobile carrier.

The Importance of Checking Withdrawal Statements

First of all, it is very important to check the details of what is being deducted for mobile carrier withdrawals. I myself have had times in the past when I just glanced at my monthly bills and thought, “Oh, there’s another withdrawal,” without paying much attention. However, one day I suddenly noticed an unfamiliar amount being deducted, and I panicked. When the reader found the words “DF Rakuten,” it was a good decision to contact Rakuten immediately, but being told there is no contract there is a very stressful situation. For someone receiving the withdrawals, not knowing what is happening is truly terrifying.

The Mechanism of Automatic Withdrawals and Potential Troubles

Automatic withdrawals are a very convenient service that automatically handles monthly payments. However, behind that convenience, there can often be hidden troubles. For example, if withdrawals continue from a company you don’t remember contracting with, there may be a possibility that a contract has been established in some form. What concerns us here is the requirements for a contract to be established. Typically, a contract is formed based on “agreement.” Even if you don’t remember using Rakuten’s services, there may be a possibility that a contract was established through online applications or referrals from friends. In this case, you need to check whether you are using the relevant service or if you have completed the cancellation procedures.

The First Step in Information Gathering: Reconfirming Contract Details

So, how do you reconfirm your contract details? It starts with reviewing your contract documents and past statements. If you have no records, it might be helpful to contact the companies you may have contracted with. Many companies have robust customer support that can assist you in confirming your contract information. What’s important here is to accurately convey your information when making inquiries. Having necessary information such as the contract name, address, phone number, and date of birth ready will help facilitate the confirmation process.

Considerations Before Closing Your Bank Account

If your balance has run out, you might consider closing your bank account, but first, let’s stay calm. It is important to confirm future withdrawals before canceling. If there is a possibility that unknown withdrawals might continue, closing the account may be one option. However, you need to be cautious as closing the account may also affect other withdrawals. For example, if utility bills or regular payments are being made from that account, be sure to transfer them to a new account before closing it.

The Possibility of Getting Money Back

Now, the most concerning question is, “Will I get my money back?” Unfortunately, there is no guarantee that the money deducted will easily be returned. However, in some cases, if it is confirmed that there was an erroneous withdrawal, it may be possible to initiate a refund process. In this case, it is generally necessary to provide documentation proving that a contract was not established. For instance, if you can prove to Rakuten that there is no formal contract, you may be able to request a refund. Therefore, it is essential to persistently continue your inquiries.

Future Measures and Preventive Strategies

Finally, I would like to share some strategies to avoid similar troubles in the future. First, make it a habit to regularly check your account statements. By understanding what the monthly withdrawals entail, you can detect anomalies early. Furthermore, when using online services, it is crucial to thoroughly check the contract details. Especially for services applied for through free trials or promotions, be cautious as they may automatically transition to paid plans later.

Conclusion

Troubles related to automatic withdrawals from mobile carriers can happen to anyone. When questions arise, it is important to first gather information carefully and take action to protect your rights. Many people may have experienced situations similar to that of the reader. Let’s remain calm and address the issue based on accurate information. If you still cannot resolve the issue, consulting with a consumer center may also be an option. Money problems can cause stress, but with the right knowledge and actions, you should be able to move towards a resolution. Everyone, take your time and move forward step by step.