Fargo, NDeasy to cancel15 min

How to Find All Your Subscriptions: Spotify in Fargo

3 proven methods to uncover every recurring charge across all your accounts — including forgotten trials and zombie subscriptions. This guide applies specifically to Spotify ($5.99-$16.99/mo) subscribers in Fargo, North Dakota. North Dakota's Automatic Renewal Law protects you.

Your Rights in Fargo, ND

North Dakota's Automatic Renewal Law (N.D. Cent. Code § 51-37-01) gives Fargo residents specific protections when dealing with Spotify:

Clear disclosure of auto-renewal terms
Affirmative consent before charging
Easy cancellation mechanism required
Written confirmation of enrollment

Penalties: Unfair trade practice — AG enforcement plus damages

How to Find All Your Subscriptions

Applied to Spotify (Website only (not app)) for Fargo residents

1
Download 3 months of bank and card statements
Get PDF or CSV statements from every bank account and credit card. Most banks let you download from online banking. Go back at least 90 days to catch quarterly billing cycles.
2
Search for recurring amounts
Highlight every charge that appears at the same dollar amount each month. Patterns: $9.99, $14.99, $19.99, $49.99. Annual charges show up once — look back 13 months to catch them.
3
Check app store subscriptions
iPhone: Settings → [Your Name] → Subscriptions. Android: Play Store → Payments & subscriptions. These are managed separately and often forgotten.
4
Search email for billing receipts
Search Gmail or Outlook for 'receipt', 'subscription', 'renewal', 'billing', 'your plan'. Filter by the last 12 months. This catches services billed via PayPal or gift cards.
5
Check PayPal and Venmo recurring payments
Log into PayPal → Settings → Payments → Manage automatic payments. Venmo: Settings → Payment methods. Many users have 2–5 forgotten subscriptions here.

Cancel Spotify Specifically

Method: Website only (not app) · Difficulty: easy

1Go to spotify.com/account
2Click 'Change plan'
3Select 'Cancel Premium'
4Confirm — you'll switch to free tier

Tips for Fargo Residents

The average American has 12+ active subscriptions and forgets 3–4 of them, wasting $348/year
Small recurring charges ($1–5) are often forgotten trials that quietly converted to paid
Annual charges are easy to miss — set a reminder every January to audit the full prior year
SubScrub scans your statements with AI and finds ALL recurring charges in under 2 minutes

Spotify-specific tips

Cannot cancel through mobile app — must use web browser
You keep your playlists on the free tier
Student plan requires annual re-verification

Spotify Refund Policy

No prorated refunds. Keeps premium until period ends.

Under N.D. Cent. Code § 51-37-01, Fargo residents may be entitled to a full refund if Spotify didn't properly disclose auto-renewal terms.

Federal Laws Protecting Fargo 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

Fargo subscriptions Cancel Spotify in Fargo Cancel Spotify (all cities)How to Find All Your Subscriptions — North Dakota guide How to Find All Your Subscriptions (general)

More Spotify Guides for Fargo

How to Cancel Any Subscription How to Get a Refund After Cancellation How to Dispute an Unauthorized Subscription Charge 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

Find All Your Subscriptions with SubScrub

SubScrub auto-cites N.D. Cent. Code § 51-37-01 for Fargo residents