How to Get a Refund After Cancellation: ChatGPT Plus (OpenAI) in Charlotte

How to recover money after canceling a subscription, including partial-month refunds, post-cancellation charges, and trial-to-paid conversions. This guide applies specifically to ChatGPT Plus (OpenAI) ($20/mo) subscribers in Charlotte, North Carolina. The federal FTC Click-to-Cancel Rule protects you.

Your Rights in Charlotte, NC

The UDTPA (no specific auto-renewal law) (N.C. Gen. Stat. § 75-1.1) and federal FTC rules protect Charlotte residents:

Unfair and deceptive trade practices
Federal FTC rules apply
ROSCA for online subscriptions
Strong private right of action

How to Get a Refund After Cancellation

Applied to ChatGPT Plus (OpenAI) (ChatGPT settings) for Charlotte residents

1
Request a refund within 24–72 hours
Contact the company immediately by phone or email. State: 'I canceled on [date] and was charged [amount]. I am requesting a full refund under your refund policy.' Many companies have a grace period.
2
Cite ROSCA if the trial auto-converted
The Restore Online Shoppers' Confidence Act (15 USC § 8403) requires clear disclosure before a trial converts. If terms weren't clearly disclosed, the charge is legally questionable.
3
Escalate to a supervisor
If the first agent denies your refund, ask for a supervisor. Supervisors have more discretion. Be polite but firm — state you are prepared to file a chargeback.
4
File a chargeback if denied
Call your credit card issuer. Say: 'I want to dispute a charge from [company]. I canceled the service and they continued to charge me / the trial terms were not clearly disclosed.' Provide your cancellation documentation.
5
File an FTC complaint
Go to reportfraud.ftc.gov and report the company. The FTC uses these complaints to prioritize enforcement. Companies with many complaints face investigation.

Cancel ChatGPT Plus (OpenAI) Specifically

Method: ChatGPT settings · Difficulty: easy

1Go to chat.openai.com → Settings
2Click 'My Plan'
3Select 'Cancel Plan'
4Confirm

Tips for Charlotte Residents

You have 60–120 days from the charge to file a chargeback, depending on your card network
Under ROSCA, companies must get your affirmative consent before converting a free trial — ambiguous checkboxes don't count
If the charge was on a debit card, file a dispute under the Electronic Funds Transfer Act (EFTA)
SubScrub auto-generates refund demand letters citing the applicable laws for your state

ChatGPT Plus (OpenAI)-specific tips

You keep Plus access until billing period ends
Can resubscribe anytime
Check if you have Team plan through work
No penalty for canceling

ChatGPT Plus (OpenAI) Refund Policy

No refund. Access until period ends.

Federal Laws Protecting Charlotte 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

Charlotte subscriptions Cancel ChatGPT Plus (OpenAI) in Charlotte Cancel ChatGPT Plus (OpenAI) (all cities)How to Get a Refund After Cancellation — North Carolina guide How to Get a Refund After Cancellation (general)

More ChatGPT Plus (OpenAI) Guides for Charlotte

How to Cancel Any Subscription How to Dispute an Unauthorized Subscription Charge 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

Get a Refund After with SubScrub

SubScrub auto-cites 16 CFR Part 425 for Charlotte residents