How to Dispute a Charge After Cancellation

Being charged after you've canceled a subscription or service is frustrating, but you have strong rights to dispute these charges. This guide walks you through the process.

When This Applies

You can use this dispute type when:

• You canceled a subscription but were charged afterward
• A free trial converted to a paid subscription after you canceled
• You're being charged for a service you terminated
• The merchant continued billing after your cancellation request

Evidence You'll Need

Essential Documentation

1. Cancellation confirmation - Email, screenshot, or reference number from when you canceled
2. Account activity - Screenshots showing your account status or cancellation date
3. Communication records - Any emails or chats with the merchant about cancellation

Helpful Additional Evidence

• Terms of service showing cancellation policy
• Bank statements showing the unauthorized charge
• Timeline of events

Step-by-Step Process

1. Contact the Merchant First

Before filing a dispute, try to resolve it directly:

• Email customer support with your cancellation proof
• Request a refund and reference your cancellation date
• Keep records of all communication

2. Gather Your Evidence

Organize all documentation:

• Screenshot your cancellation confirmation
• Export relevant emails
• Note the exact charge date and amount

3. File the Dispute

When contacting your bank:

• Explain you canceled before the charge date
• Provide your cancellation confirmation
• State that services were not rendered

Key Points for Your Dispute Letter

Your letter should include:

• The date you canceled
• The method you used to cancel
• Any confirmation you received
• The date of the unauthorized charge
• That you did not use the service after cancellation

Time Limits

• Credit cards: 60 days from the statement date (FCBA)
• Debit cards: 60 days, but act fast for best protection (Regulation E)
• ACH/Bank transfers: Contact your bank immediately

What to Expect

1. Your bank will issue a provisional credit (usually within 10 days)
2. The merchant has 30-45 days to respond
3. Your bank reviews the evidence and makes a final decision
4. If decided in your favor, the credit becomes permanent

Tips for Success

• Always cancel in writing and keep proof
• Screenshot everything at the time of cancellation
• Check your statements after canceling to catch charges early
• Be specific about dates in your dispute

Common Merchant Responses

Merchants may claim:

• They didn't receive your cancellation (that's why confirmation is crucial)
• The cancellation didn't process in time (check their terms)
• You owed for a past period (review your billing cycle)

Related Resources

• Understanding subscription billing cycles
• Free trial conversion disputes
• How to properly cancel any subscription