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 Netflix ($6.99-$22.99/mo) subscribers in Jackson, Mississippi. The federal FTC Click-to-Cancel Rule protects you.
The CPA (no specific auto-renewal law) (Miss. Code § 75-24-1) and federal FTC rules protect Jackson residents:
Applied to Netflix (Website or app) for Jackson 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: Website or app · Difficulty: easy
Netflix-specific tips
No refunds for partial months. Access until period ends.
SubScrub auto-cites 16 CFR Part 425 for Jackson residents