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 Orlando, Florida. Florida's Automatic Renewal Law protects you.
Florida's Automatic Renewal Law (Fla. Stat. § 501.165) gives Orlando residents specific protections when dealing with Netflix:
Penalties: Unfair trade practice — AG enforcement and private right of action
Applied to Netflix (Website or app) for Orlando 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.
Under Fla. Stat. § 501.165, Orlando residents may be entitled to a full refund if Netflix didn't properly disclose auto-renewal terms.
SubScrub auto-cites Fla. Stat. § 501.165 for Orlando residents