All tools · Subscription Cancel Letter

How to Dispute a Credit Card Charge After You Cancelled

Use the free tool — Subscription Cancel Letter

The company keeps charging you after you cancelled

You cancelled a gym, a streaming service, an alarm contract, or a "free trial" that turned into a subscription. The charge is still showing up on your card. This page explains what Florida and federal rules say, and how to dispute the charge with your card issuer if the company won't stop billing you. This is not legal advice, and it can be wrong.

What Florida and federal law say

• Under Fla. Stat. 501.165, a Florida company must disclose the renewal terms of an automatically renewing contract, and for contracts of 12 months or longer that renew for more than a month, it must send you written notice 30–60 days before the cancellation deadline. This appears to apply to many gym, alarm, and subscription contracts.
• Under the Health Studio Act (Fla. Stat. 501.017), gym members can cancel — including if they move 25 miles or more from the studio with no comparable facility nearby, on disability, or on death — and get a refund of the unused portion.

Send a written cancellation notice first

Before you dispute anything with your card, send the company a written cancellation notice. State your account, the date you want the cancellation effective, the right you're relying on, and ask for written confirmation within 10 days. Say that any further charges will be disputed. Send it by email and by mail with tracking, or however your contract requires notice. Keep copies of everything.

If the account belongs to a parent or someone who can't manage it themselves, say in the letter that you're acting on their behalf. You may need a power of attorney or the account holder's signature.

Dispute the charge with your card issuer

If the company keeps charging you after your cancellation date, you can dispute those charges with your card issuer:

• For credit cards, the Fair Credit Billing Act generally gives you 60 days from the statement to dispute a charge.
• For debit cards, Regulation E applies instead — the process and timing are different, so confirm the rules with your card issuer.

Only dispute charges that happened after your cancellation date. Attach your cancellation notice and any confirmation you received. Don't dispute charges for months you actually used the service — and don't just cancel the card as your only step, because an unpaid balance can still go to collections.

What refund is reasonable to ask for

It's reasonable to ask for a refund of:

• charges made after a valid cancellation,
• the unused portion of a gym membership under the Health Studio Act, for example if you moved 25 miles or more with no comparable facility, or
• 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 still won't stop

Report free-trial traps and hard-to-cancel subscriptions to the FTC at ReportFraud.ftc.gov. For complaints about a Florida business, call the state consumer line at 1-800-HELP-FLA, listed at FDACS Consumer Services. Reporting helps, but it doesn't guarantee the company will act.

What to do next

The free tool reads your own charge, company, and what you've already tried, and gives you the written cancellation notice to send, the rule that appears to apply, whether a refund is reasonable, and the chargeback steps if they keep charging you. Nothing you paste is stored. This is not legal advice — for a contract with a large early-termination fee, read the actual cancellation clause and talk to a consumer attorney or call 1-800-HELP-FLA first.

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.