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 Peloton ($12.99-$44/mo) subscribers in Denver, Colorado. Colorado's Auto-Renewal Consumer Protection protects you.
Colorado's Auto-Renewal Consumer Protection (Colo. Rev. Stat. § 6-1-732) gives Denver residents specific protections when dealing with Peloton:
Penalties: Deceptive trade practice with treble damages available
Applied to Peloton (App settings or website) for Denver residents
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.
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.
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.
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.
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.
Method: App settings or website · Difficulty: medium
Peloton-specific tips
No prorated refunds.
Under Colo. Rev. Stat. § 6-1-732, Denver residents may be entitled to a full refund if Peloton didn't properly disclose auto-renewal terms.
SubScrub auto-cites Colo. Rev. Stat. § 6-1-732 for Denver residents