Account tasks such as cancelling a subscription or changing a bill sit behind a login, and the provider often sends a one-time code by text or email in the middle of the task. The agent cannot finish without you. If you are away, the task stops or times out, and the work so far is lost.
Providers require the account holder to sign in and confirm billing changes, and they send verification codes to your phone or email, which the agent cannot read. Good agents are also told not to type passwords or codes for you.
Plan the session so you are present. Sign in yourself at the start, keep your phone nearby for codes, and tell the agent to stop and hand over whenever it meets a login, a code or a final confirm button. Batch several accounts into one sitting so you sign in once per site. If you use a password manager integration, let it fill the login rather than pasting passwords into the chat.
The writer says the agent found each cancellation page and walked her through it, but she had to sign in and confirm both cancellations herself, so it did not cancel on its own.
The co-founder of a bill negotiation service says that when a provider sends a one-time code, the agent pauses for the user, and the team had to make sure users are present to answer in time.
The founder says the agent struggled when it lacked personal information, and learned to call the user mid-task to relay two-factor codes. It later collected the details it needed in a questionnaire up front.
The author says the agent often failed on logins and on some dynamic sites, and that some tasks were faster to do by hand.