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 SiriusXM ($10.99-$23.99/mo) subscribers in Des Moines, Iowa. The federal FTC Click-to-Cancel Rule protects you.
The CFA (no specific auto-renewal law) (Iowa Code § 714H.3) and federal FTC rules protect Des Moines residents:
Applied to SiriusXM (Phone only) for Des Moines residents
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.
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.
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.
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.
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.
Method: Phone only · Difficulty: nightmare
SiriusXM-specific tips
Prorated refund for remaining subscription period.
SubScrub auto-cites 16 CFR Part 425 for Des Moines residents