Beware of Premature Magazine Renewal Notices
Does it seem like your magazine renewal notices arrive earlier these days? If so, you’re not alone. Some consumers report that they unintentionally “renewed” subscriptions that were already paid for years in advance. For example, while helping her 93-year-old mother with her mail, “Mary” spotted a renewal notice for her mother’s favorite magazine. When Mary checked the mailing label on the renewal notice, she discovered that her mother’s subscription was paid more than three years in advance. Mary’s mother told her that she did not deliberately renew the subscription in advance—she had simply paid each renewal notice as she received them because she assumed the magazine company only sent renewal notices when her subscription was about to expire. Before you renew your magazine subscription, you should know the following information:
Early Renewal Notices
Magazine renewal offers may come from both magazine publishers, as well as third party companies that have no relationship with the publisher but purchase a list that includes your name as a subscriber. In either case, you may be asked to “renew” and pay for a subscription that you have already paid for months or even years in advance.
Some renewal notices are designed to look like invoices or bills. Although the fine print might disclose that the notice is not an invoice or bill, people do not always notice the fine print. Other renewal notices imply that your subscription is running out or contain language meant to create a false sense of urgency, such as “Your Immediate Attention is Required!” In more extreme cases, mailings may even suggest that your subscription will be suspended or your account will be sent to collections if you do not immediately renew. It can happen like this:
- “Tony” recently received a mailing from his magazine that stated, “Urgent—Requires Immediate Action.” The mailing appeared to be a bill for his latest subscription. After reading the fine print, Tony realized that the mailing was just a renewal notice, not a bill, and his subscription was paid in full through the end of the following year.
- After ignoring a few early renewal notices for her magazine, “Sara” received a mailing that looked like a collection notice. The mailing indicated her subscription would be suspended and her account would be sent to collections if she did not make a payment. Sara double-checked her subscription expiration date with the publisher and found that she had six months remaining on her current subscription.
While there may be legitimate reasons to renew a subscription early—such as a lower price for early renewals—the decision to renew early should be one you knowingly—not unwittingly—make.
Tips to Avoid Unintended Early Renewals
Some companies count on the fact that subscribers do not always know when their subscription ends. To avoid renewing earlier than you want or need to, consider the following tips:
- Keep a list of all your magazine subscriptions and their expiration dates. Before you renew a subscription, check the list. Update the list each time you renew.
- If you receive a renewal notice, check your list or ask the publisher to tell you when your current subscription ends.
- Some states' laws (not Minnesota) require magazine companies to disclose the expiration date on the mailing label of the magazine and on any renewal notices. As a result, many renewal notices and magazine labels list the expiration date somewhere on the notice or label. Look closely, though, because the expiration date may be hard to find or difficult to distinguish—like in the example below, which uses a “MMYY” format.
- On another front, watch out for third party companies that pose as your magazine publisher when they in fact have no affiliation with it. These third party companies may get their hands on lists of people who subscribe to a particular magazine, and then write to those people asking them to “renew” a subscription. The price these third parties charge may be substantially more than the publisher charges for the same subscription.
If you have concerns about any magazine renewal notice, you may file a consumer complaint with the Minnesota Attorney General’s Office as follows:
Office of Minnesota Attorney General Lori Swanson
445 Minnesota Street, Suite 1400
St. Paul, MN 55101
TTY: (651) 297-7206
Magazine Subscription Solicitations
The Attorney General’s Office warns people to be on guard against magazine sellers that use that use aggressive tactics and phony claims to sell subscriptions. Some people have been duped into paying thousands of dollars for magazines they did not want or “renewing” subscriptions that were already paid up months in advance.
How to Dispute Bogus Credit, Debit, and ATM Card Charges
Many consumers use "plastic" - that is, credit, debit, or ATM cards - to pay for goods and services instead of cash or checks. With identity theft on the rise, citizens often wonder what their rights are if their credit, debit, or ATM card is lost or stolen.
Door-to-Door Sales and Telemarketers that Target Seniors
Senior citizens make up one-twelfth of the population in Minnesota, but are often disproportionately targeted for fraud over the telephone and at their doorstep. The Attorney General's Office gives Senior citizens the following advice when it comes to unsolicited door-to-door callers and telemarketers.