How does current account work in the US? Can anyone just charge you?

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I’ve seen a thread on xbox about a guy who got charged tax by an online store a couple of weeks after the sale. How does that work? In Europe your account doesn’t simply get charged unless you give explicit permission for a company to do so, for example utilities or phone bill. Can anyone charge anyone’s account? How do you deal with that?

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This will be a debit card payment where the payment details were either retained by the merchant and a second charge made or the original price adjusted somehow.

You cannot just find out someone’s account numbers and take money from their account.

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