Act within a week

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.

13.113.3

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.

Ready to dispute?

Generate a letter for this exact scenario, pre-filled with bank-specific details.

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Recurring charge after cancellation — How to handle this dispute | MysteryCharges