How to recover money after canceling a subscription, including partial-month refunds, post-cancellation charges, and trial-to-paid conversions. This guide applies specifically to Peacock ($5.99-$11.99/mo) subscribers in New Jersey, citing applicable state and federal law.
New Jersey's Automatic Renewal Act (N.J. Stat. § 56:12-16) gives you specific protections when dealing with Peacock subscriptions:
Penalties: Consumer fraud violation — treble damages plus attorney fees
Applied to Peacock (Website or app) in New Jersey
Request a refund within 24–72 hours
Contact the company immediately by phone or email. State: 'I canceled on [date] and was charged [amount]. I am requesting a full refund under your refund policy.' Many companies have a grace period.
New Jersey note: N.J. Stat. § 56:12-16 requires Peacock to provide an easy cancellation mechanism.
Cite ROSCA if the trial auto-converted
The Restore Online Shoppers' Confidence Act (15 USC § 8403) requires clear disclosure before a trial converts. If terms weren't clearly disclosed, the charge is legally questionable.
Escalate to a supervisor
If the first agent denies your refund, ask for a supervisor. Supervisors have more discretion. Be polite but firm — state you are prepared to file a chargeback.
File a chargeback if denied
Call your credit card issuer. Say: 'I want to dispute a charge from [company]. I canceled the service and they continued to charge me / the trial terms were not clearly disclosed.' Provide your cancellation documentation.
File an FTC complaint
Go to reportfraud.ftc.gov and report the company. The FTC uses these complaints to prioritize enforcement. Companies with many complaints face investigation.
Method: Website or app · Difficulty: easy
Peacock-specific tips
No prorated refunds.
Under N.J. Stat. § 56:12-16, you may be entitled to a full refund if Peacock didn't properly disclose auto-renewal terms at signup.
These apply to Peacock in every state, including New Jersey:
SubScrub auto-cites N.J. Stat. § 56:12-16 + sends legally-backed letters