3 proven methods to uncover every recurring charge across all your accounts — including forgotten trials and zombie subscriptions. This guide applies specifically to Disney+ ($7.99-$13.99/mo) subscribers in Virginia, citing applicable state and federal law.
Virginia's Automatic Renewal Law (Va. Code § 59.1-207.45) gives you specific protections when dealing with Disney+ subscriptions:
Penalties: Violations are consumer protection violations under VCDPA
Applied to Disney+ (Website or app) in Virginia
Download 3 months of bank and card statements
Get PDF or CSV statements from every bank account and credit card. Most banks let you download from online banking. Go back at least 90 days to catch quarterly billing cycles.
Virginia note: Va. Code § 59.1-207.45 requires Disney+ to provide an easy cancellation mechanism.
Search for recurring amounts
Highlight every charge that appears at the same dollar amount each month. Patterns: $9.99, $14.99, $19.99, $49.99. Annual charges show up once — look back 13 months to catch them.
Check app store subscriptions
iPhone: Settings → [Your Name] → Subscriptions. Android: Play Store → Payments & subscriptions. These are managed separately and often forgotten.
Search email for billing receipts
Search Gmail or Outlook for 'receipt', 'subscription', 'renewal', 'billing', 'your plan'. Filter by the last 12 months. This catches services billed via PayPal or gift cards.
Check PayPal and Venmo recurring payments
Log into PayPal → Settings → Payments → Manage automatic payments. Venmo: Settings → Payment methods. Many users have 2–5 forgotten subscriptions here.
Method: Website or app · Difficulty: easy
Disney+-specific tips
Monthly: no refund. Annual: no prorated refund.
Under Va. Code § 59.1-207.45, you may be entitled to a full refund if Disney+ didn't properly disclose auto-renewal terms at signup.
These apply to Disney+ in every state, including Virginia:
SubScrub auto-cites Va. Code § 59.1-207.45 + sends legally-backed letters