What is this workflow?

This workflow provides a structured approach to canceling unwanted subscriptions and disputing unauthorized charges. You will learn how to gather necessary documentation, cancel subscriptions directly, and pursue refunds for any fraudulent charges.

Who should use this workflow?

This process is designed for consumers who have recurring subscriptions they wish to cancel or those who have been charged without authorization. It is ideal for anyone looking to reclaim their funds from subscription services.

What you'll need

Details of the subscription (service provider, account number)
Bank statements showing the charges
Confirmation of cancellation (email or screenshot)
Information for filing complaints (FTC, BBB, etc.)

Step-by-step process

Identify the subscription and gather details.
Upload necessary bank statements to document charges.
Verify if you authorized the subscription.
Contact the company to cancel the subscription.
Keep proof of cancellation for records.
Report any unauthorized charges to your bank.
Assess if you were charged after cancellation.
Create a demand letter for refunds.
Send the demand letter to the company.
Wait for the company's response regarding your refund.
Check if the company issued a refund.
If no refund, file a chargeback with your bank.
Report the company to relevant authorities.
Save confirmation numbers from complaints.
Block future unauthorized charges.

Expected timeline and outcomes

The entire process typically takes about 2-3 hours, including waiting times for companies to respond. You may expect a resolution within weeks, depending on the company's response times and your bank's processing.

Tips for success

Document everything: Keep records of all communications and transactions.
Be persistent: Follow up if you do not receive a timely response.
Know your rights: Familiarize yourself with consumer protection laws related to subscriptions.