Ann Arbor, MIeasy to cancel15 min

How to Dispute an Unauthorized Subscription Charge: Disney+ in Ann Arbor

Step-by-step process to dispute subscription charges you didn't authorize, including chargebacks, FCBA rights, and when to involve your bank. This guide applies specifically to Disney+ ($7.99-$13.99/mo) subscribers in Ann Arbor, Michigan. The federal FTC Click-to-Cancel Rule protects you.

Your Rights in Ann Arbor, MI

The CPA (no specific auto-renewal law) (Mich. Comp. Laws § 445.901) and federal FTC rules protect Ann Arbor residents:

Consumer protection act coverage
Federal FTC rules apply
ROSCA for online transactions
AG enforcement

How to Dispute an Unauthorized Subscription Charge

Applied to Disney+ (Website or app) for Ann Arbor residents

1
Identify the charge source
Find the exact merchant name on your statement. Subscription companies often bill under different names (e.g., 'AMZN Digital' for Amazon Prime). Search the billing descriptor online if unfamiliar.
2
Contact the company first
Call or email the subscription company and state you are disputing the charge. Get their response in writing. Many will refund rather than face a chargeback, which costs them $20–50 in fees.
3
File a chargeback with your card issuer
Call the number on the back of your card. Say: 'I want to dispute a recurring charge under the Fair Credit Billing Act. The charge was unauthorized / continued after cancellation.' They are required to investigate.
4
Submit your evidence
Provide your cancellation confirmation, the unauthorized charge dates, and any communication from the company. The card issuer will request a response from the merchant.
5
Request merchant blocking
Ask your card issuer to add the merchant to a block list. This prevents future charges from that specific merchant ID, even if they try to re-bill.

Cancel Disney+ Specifically

Method: Website or app · Difficulty: easy

1Go to disneyplus.com/account
2Click your subscription
3Select 'Cancel Subscription'
4Confirm cancellation

Tips for Ann Arbor Residents

The Fair Credit Billing Act (FCBA, 15 USC § 1666) gives you the right to dispute any billing error within 60 days of the statement date
For debit cards, the Electronic Funds Transfer Act (EFTA) provides protection — but you only have 60 days
Visa, Mastercard, Amex, and Discover all have specific dispute codes for subscription abuse — your card issuer knows these
Document everything: dates, amounts, names of representatives you spoke to

Disney+-specific tips

If bundled with Hulu/ESPN+, cancel through Disney+ to cancel all
Annual plan — no refund for remaining months
Check if your plan is through a third party (Apple, Google)

Disney+ Refund Policy

Monthly: no refund. Annual: no prorated refund.

Federal Laws Protecting Ann Arbor Residents

FTC Click-to-Cancel Rule (16 CFR Part 425) — cancellation must be as easy as signup
ROSCA (15 USC § 8403) — requires clear disclosure and affirmative consent for online subscriptions
Fair Credit Billing Act (15 USC § 1666) — dispute unauthorized charges on credit cards
EFTA (15 USC § 1693) — protections against unauthorized debit charges

Ann Arbor subscriptions Cancel Disney+ in Ann Arbor Cancel Disney+ (all cities)How to Dispute an Unauthorized Subscription Charge — Michigan guide How to Dispute an Unauthorized Subscription Charge (general)

More Disney+ Guides for Ann Arbor

How to Cancel Any Subscription How to Get a Refund After Cancellation How to Find All Your Subscriptions How to Cancel a Free Trial Before You Get Charged How to Stop Auto-Renewal on Any Subscription FTC Click-to-Cancel Rule: Your Rights Explained

Dispute an Unauthorized Subscription with SubScrub

SubScrub auto-cites 16 CFR Part 425 for Ann Arbor residents