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What to Do When a Company Won't Let You Cancel a Subscription

Use the free tool — Subscription Cancel Letter

What Florida law says about renewals you can't get out of

If a Florida company keeps charging you for a gym, an app, an alarm, or something that started as a "free trial," there are rules that appear to apply to your situation.

• Under Fla. Stat. 501.165, a seller of a service contract that auto-renews must disclose the renewal terms clearly. For contracts of 12 months or longer that renew for more than a month, the company must send written notice 30–60 days before the cancellation deadline.
• Under Fla. Stat. 501.017 (the Health Studio Act), gym members have the right to cancel — including if you move more than 25 miles from the studio and there's no comparable facility nearby, on disability, or on death — with a refund of the unused portion.

This is general information, not legal advice. Read your actual contract's cancellation clause before you rely on any of this.

Send a written cancellation notice

A phone call is easy to "lose." Put it in writing.

• Name the account, and ask that it be cancelled effective on a specific date ([date]).
• State the cancellation right you're relying on (Florida law, the contract terms, or both).
• Ask for written confirmation within 10 days.
• Say that any further charges after the cancellation date will be disputed with your card issuer.
• Send it by email AND mail with tracking (or whatever method the contract itself names). Keep copies of everything.

Don't stop there — cancelling the card alone is not enough. The company can still send an unpaid balance to collections.

Should you ask for a refund?

A refund is reasonable to ask for:

• For charges made after a valid cancellation.
• For the unused portion, under the Health Studio Act, if you moved 25+ miles from your gym with no comparable facility.
• For a free trial that converted to a paid charge without clear disclosure.

It is not reasonable to ask for a refund for months you actually used the service.

If they keep charging you anyway

You can dispute charges made after your cancellation date directly with your card issuer.

• For credit cards, you generally have 60 days from the statement date to dispute a charge under the Fair Credit Billing Act.
• Debit card charges are handled under a different federal rule (Regulation E) — confirm the timeline with your card issuer.
• Attach your written cancellation notice and any confirmation you got. Only dispute charges from after your cancellation date — not months you actually used and agreed to pay for.
• You can also report free-trial traps and hard-to-cancel subscriptions to the FTC at ReportFraud.ftc.gov. Reporting doesn't guarantee action, but it helps.
• For a Florida business, you can also call the state consumer line at 1-800-HELP-FLA.

Cancelling for a parent or someone else

If the account belongs to a parent, or someone who can't manage it themselves, say so in your letter — you are acting on their behalf. The company may require a power of attorney or the account holder's own signature. This is a legal question specific to your situation; a consumer attorney or Florida's consumer line can point you to the right POA resources.

What to do next

The free tool reads the actual charge, company, and what you've already tried — the exact words you paste in — and gives back:

1. Paste the charge. Company, amount, how you signed up, what you've tried. Nothing is saved.
2. See your right and the notice. The rule that appears to apply and a cancellation letter ready to send, in English or Spanish.
3. Dispute if they don't stop. The refund request, the card-dispute statement, the FTC report, and the calendar — in the full version.

Subscription Cancel Letter is not a lawyer and can be wrong. It explains Florida and federal cancellation rules in plain language — it is not legal advice. Read your contract's actual cancellation clause. For an alarm or other long-term contract with a large early-termination fee, talk to a consumer attorney or call 1-800-HELP-FLA first. Chargeback rights depend on your card agreement and federal law — confirm the details with your card issuer. Nothing you paste is stored.

Subscription Cancel Letter explains Florida and federal cancellation rules in plain language; it can be wrong, and it is not legal advice. Chargeback rights depend on your card agreement and federal law — confirm with your card issuer. Nothing you paste is stored.