Honolulu, HInightmare to cancel15 min

How to Find All Your Subscriptions: SiriusXM in Honolulu

3 proven methods to uncover every recurring charge across all your accounts — including forgotten trials and zombie subscriptions. This guide applies specifically to SiriusXM ($10.99-$23.99/mo) subscribers in Honolulu, Hawaii. The federal FTC Click-to-Cancel Rule protects you.

Your Rights in Honolulu, HI

The UDAP (no specific auto-renewal law) (Haw. Rev. Stat. § 480-2) and federal FTC rules protect Honolulu residents:

Unfair or deceptive acts protections
Federal FTC rules apply
ROSCA for online transactions
Private right of action

How to Find All Your Subscriptions

Applied to SiriusXM (Phone only) for Honolulu 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 SiriusXM Specifically

Method: Phone only · Difficulty: nightmare

1Call 1-866-635-2349
2Navigate automated menu to 'Cancel'
3Speak with retention agent (they WILL offer discounts)
4Firmly confirm you want to cancel
5Request cancellation confirmation number

Tips for Honolulu 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

SiriusXM-specific tips

SiriusXM is notorious — calls can take 30+ minutes
They will offer 50-75% discounts to keep you
Say 'I want to cancel' firmly and repeatedly
Record the call in one-party consent states
If they keep charging, file FTC complaint + credit card chargeback

SiriusXM Refund Policy

Prorated refund for remaining subscription period.

Watch Out For

· Music royalty fee
· Activated radio in new car may auto-enroll you

Federal Laws Protecting Honolulu 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

Honolulu subscriptions Cancel SiriusXM in Honolulu Cancel SiriusXM (all cities)How to Find All Your Subscriptions — Hawaii guide How to Find All Your Subscriptions (general)

More SiriusXM Guides for Honolulu

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 16 CFR Part 425 for Honolulu residents