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 Apple TV+ ($9.99/mo) subscribers in San Antonio, Texas. The federal FTC Click-to-Cancel Rule protects you.
The DTPA (no specific auto-renewal law) (Tex. Bus. & Com. Code § 17.41) and federal FTC rules protect San Antonio residents:
Applied to Apple TV+ (iPhone Settings or Apple ID) for San Antonio 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: iPhone Settings or Apple ID · Difficulty: easy
Apple TV+-specific tips
Request refund via reportaproblem.apple.com.
SubScrub auto-cites 16 CFR Part 425 for San Antonio residents