text: i have a problem with a company who is continually charging me monthly....? .....even though i cancelled them, they are continually charging me.  i heard you should not report your ccard stolen, rather lost to keep your credit rating in good check.  is that right? just contact the creditor and let them know that this company does not have authorization to debit, ask for a new card with a new account number, then dispute the past charges you dissagree with.