Is it legal for an online service to charge an account holder credit card for services that are contingent on the account holder being able to manage their account if the account holder's access has been restricted?
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Depends on what terms of service the account holder signed up to.
For instance, one could run a website at a cloud provider, configure it so that it automatically scales up when the traffic grows, and then mishandle the credentials so that one cannot shut it down quickly. By the time access is restored, there might be quite some bill.
As it recently made the news, when a business deliberately makes it easier to sign up than to cancel, the FTC may step in. But that was an extreme case.
o.m.
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