Has your kid racked up in-app credit card charges without your knowledge? Find out if you have to pay.
, offer zero liability and fraud protection — meaning you won't be held responsible for unauthorized charges — the lines are blurry when the unapproved purchases come from your child.
without consent. Plus, we reveal how to get a refund for those charges and what you can do to protect your credit card from your kids.If you receive a surprise bill for your child's unauthorized credit card purchases, you're not alone. It would be far from the first instance of kids making expensive purchases on their smartphones or tablets without their parents' authorization.
Thankfully, all three major lawsuits were settled, with the companies paying upwards of $19 million , $32.5 million and $70 million back to parents., the company received tens of thousands of complaints from parents about their kid's unauthorized in-app purchases. Most notably, one kid spent $2,600 on in-app purchases for the game "Tap Pet Hotel."
If your child has made in-app game purchases without your knowledge, read on to learn how to get a refund in one of three ways.If you find yourself with a bill for in-app game purchases or other items that you didn't authorize, don't think all hope is lost and you have to pay for it — you have options, which we explain below.Dispute the charges with your credit card issuer.The first step you should take is to contact the merchant.
"Credit card payments are protected by the Fair Credit Billing Act , which allows you to dispute billing errors, which can include unauthorized charges, and temporarily withhold payment while the creditor investigates," Adler says.
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