Still being charged?
Here's what to do.
Pick the situation that matches your charge. Each step comes from an official source linked on this page. If you don't recognise a charge at all, contact your bank first.
You don't recognise the charge
Contact your bank or card provider straight away, using its app or the number on your card. Don't wait for a company to reply first: an unknown charge can be fraud, and time limits for disputes can be short.
You cancelled, but were charged again
Compare the charge date with your cancellation confirmation. Many services keep your access until the end of the period you've paid for, so a final charge can be legitimate. Check there isn't a second account, a family plan or another card. If the charge is wrong, ask the company for a refund in writing, with your confirmation number, the cancellation date and a screenshot.
The charge is still pending
Ask your bank whether it is a temporary authorisation or a completed payment. Don't ignore a pending charge you don't recognise; report it to your bank straight away.
A refund was agreed but hasn't arrived
Check the refund reference and how long the company said it would take, then ask the company that took the payment. If it still doesn't arrive, ask your bank or card provider what it can do. This site can't check a refund or open a dispute for you.
Your options in Canada
Pre-authorized debits from your bank account
For a pre-authorized debit (PAD), first ask the biller for your money back. If withdrawals continued after you cancelled the contract, you usually have 90 calendar days from the date the money left your account to ask your bank for a reimbursement. The bank will ask you to sign a declaration.
Recurring credit card charges
Contact the business, then your card issuer, and keep a copy of your cancellation notice.
If you're still stuck
If you're not satisfied, use your bank's complaint process. In British Columbia, Consumer Protection BC handles subscription contract rules.
Stopping a payment doesn't cancel the contract or what you owe. Cancel with the company too, and keep both confirmations.
Paid through Apple or Google Play?
Use the store shown on your receipt. Asking for a refund is separate from cancelling the renewal.
- Apple: Request a refund at reportaproblem.apple.com. Apple says to expect an update within 24–48 hours. Apple refund help ↗
- Google Play: Google says contacting the app's developer is often quickest. Report unauthorised charges within 120 days. Google Play refund help ↗
General information, not legal advice. We can't promise a refund or any outcome, and we never contact a company or bank for you.
Source review recorded on . Things change. Always confirm on the official page before you act.