<prompt> Human: Hi personal finance,My wife had incurred a 130 dollar charge that automatically renewed. She had no notice from the business that this was going to happen and when we tried to contact them they said that it is not refundable. So, we attempted to contact our bank and cancel the charge, however since it was on a debit card they said they cannot do anything. This doesnt sound quite right to me, granted I dont know a lot about this type of thing. So, I guess my question is, are we just out 130 dollars or is there other recourse?Assistant: Membership to what?They need a contract to do that. Albeit contracts are often signed online without people realizing it but you need to call them and tell them to show you the contract.Look for where it says theres a recurring membership fee.Knowing more about the productservice would help me give better advice.Human: Im sorry for being vague there. It is a membership to something called the Project Management Institute. When she joined this last year she was unable to turn off auto renew because she had just joined...fast forward a year and she had totally forgotten about the renewal and they hadnt sent notice to her that it was going to draft.  <response>: and they hadnt sent notice to her that it was going to draft. And theyre never going to send such a notice, because they make money by catching people unaware. 