Chargeback Dispute Letter for a Cancelled Subscription

A chargeback asks your card issuer to reverse a charge. For subscriptions billed after cancellation, it's one of the strongest dispute types if you have proof.

Steps

1. Try the merchant first and keep the reply (or proof they didn't reply). Issuers often ask whether you contacted the merchant.
2. Check your deadline. For credit cards, US law gives at least 60 days from the statement date for written billing error disputes; card network windows are often up to 120 days. Debit card protections are weaker, so move fast.
3. File the dispute online or by phone, under "cancelled recurring transaction" or "services not provided", and attach the letter below.
4. Attach evidence: cancellation confirmation, date and method of cancelling, the merchant's terms, your messages, and the statement lines.
5. Dispute every charge after cancellation, not just the latest.
6. Respond quickly if the issuer asks for more information. The merchant gets to respond too.

Free template

To: [Card issuer] Disputes Department
Re: Dispute of recurring charges after cancellation – card ending [####]

I am disputing the following charges from [merchant]:
- [date] – $[amount]
- [date] – $[amount]

I cancelled this subscription on [date] via [method]; confirmation is attached. All charges listed above were made after my cancellation and were not authorized.

I contacted the merchant on [date] requesting a refund and [received no response / was refused] (attached).

Please reverse these charges and block future recurring charges from this merchant.

Attached: cancellation confirmation, correspondence, statement excerpt.

[Name] | [Phone] | [Date]

General information, not legal advice. Rules vary by state, country and contract; check your agreement and card issuer's terms.