Step-by-step process to dispute subscription charges you didn't authorize, including chargebacks, FCBA rights, and when to involve your bank.
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.
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.
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.
Provide your cancellation confirmation, the unauthorized charge dates, and any communication from the company. The card issuer will request a response from the merchant.
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.