Someone, I suspect my sister-in-law, is paying for Spotify at $9.99/month out of mom's checking account. Obviously I don't have the ability to log into the account, since I'm not sure which account, and I don't know the password. How do I make it stop? The bank is not being helpful, since somehow the first ACH transfer (or eCheck) went through. The only thing I know is that mom doesn't have premium Spotify, but she IS paying for it. She wants it to stop.