Recurring charge after cancellation
"I cancelled this subscription prior to the billing date but continue to be charged."
What's happening here
You cancelled a subscription before the billing date, but the merchant charged you anyway. This can happen due to billing-cycle timing, cancellation not being properly processed, or a merchant error. Banks treat this as a billing dispute under the merchant's contract obligations.
Evidence to gather before disputing
Banks require documentation before they'll investigate. Collect these before you file:
- 01Cancellation confirmation email or screenshot
- 02Date cancellation was submitted
- 03Any merchant acknowledgment of cancellation
- 04Statement showing post-cancellation charge(s)
Dispute reason codes
These Visa/Mastercard chargeback reason codes apply to this scenario. Your bank handles the coding — this is for reference.
Time sensitivity
Most banks give you 60 days from the statement date. Don't wait until the last week — gather evidence now and file within the next few days.
Charges commonly linked to this scenario
These descriptors appear on statements alongside similar disputes.
AMAZON PRIME
Amazon Prime membership · consistent pattern
Seen this on your statement? →
410
reports
NETFLIX.COM
Netflix subscription · consistent pattern
Seen this on your statement? →
320
reports
SPOTIFY USA
Spotify Premium · consistent pattern
Seen this on your statement? →
240
reports
HULU *HULU.COM
Hulu subscription · consistent pattern
Seen this on your statement? →
180
reports
DISNEY PLUS
Disney Plus subscription · early signal
140
reports
PLANET FIT CLUB FEES
Planet Fitness annual club fees · early signal
95
reports
Ready to dispute?
Generate a letter for this exact scenario, pre-filled with bank-specific details.