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 SiriusXM ($10.99-$23.99/mo) subscribers in Minnesota, citing applicable state and federal law.
Minnesota's Automatic Renewal Law (Minn. Stat. § 325G.201) gives you specific protections when dealing with SiriusXM subscriptions:
Penalties: Private right of action plus AG enforcement
Applied to SiriusXM (Phone only) in Minnesota
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.
Minnesota note: Minn. Stat. § 325G.201 requires SiriusXM to provide an easy cancellation mechanism.
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: Phone only · Difficulty: nightmare
SiriusXM-specific tips
Prorated refund for remaining subscription period.
Under Minn. Stat. § 325G.201, you may be entitled to a full refund if SiriusXM didn't properly disclose auto-renewal terms at signup.
These apply to SiriusXM in every state, including Minnesota:
SubScrub auto-cites Minn. Stat. § 325G.201 + sends legally-backed letters