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4 Steps

How to Dispute a Subscription Charge on Your Credit Card

Step-by-step chargeback process for recurring charges you didn't authorize or that continued after cancellation.

1

Identify the charge

Find the recurring charge on your statement. Note the merchant name, amount, and date. Some merchants use different billing names than their brand.

2

Call your card issuer

Call the number on your card. Say: 'I want to dispute a recurring charge that continued after I canceled.' They'll open a case.

3

Provide documentation

Submit: your cancellation confirmation (email, letter, screenshot), the date you canceled, and any charges after that date.

4

Request merchant block

Ask your card issuer to block future charges from this merchant. This prevents the company from charging you again even if they don't honor your cancellation.

Tips

You have 120 days from the charge date to file a chargeback (card network rules)
Visa and Mastercard have specific dispute codes for subscription issues
If you canceled but the company keeps charging, each charge is a separate dispute
SubScrub generates chargeback request letters with all the right language
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