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Some browsers store all information that's put into form fields, locally within the browser. Therefore, even if someone has turned off automatic payments previously, when they revisit the page that has the enrollment information on it, the form is already pre-filled in by the browser -- from the browser's local memory, etc. Which of course makes it look like the person is actually enrolled in the plan. However, when the actual 'are they enrolled in the automatic payments plan' setting is checked for the account, they are not enrolled.