A subscription charged me after I cancelled — what can I do?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
A charge taken after you validly cancelled or revoked authorization is an unauthorized charge. RA 11765 §4(g) (Financial Products and Services Consumer Protection Act) requires financial service providers to obtain and honor consent for recurring charges, and money taken without a right to demand it must be returned under Civil Code Article 2154 (solutio indebiti). Revoke the standing authority in writing, screenshot the confirmation, then demand a refund from the merchant and dispute the charge with your card issuer under RA 10870 §18. Escalate to the BSP if it is not refunded.
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Frequently asked
How do I stop a recurring charge?
Cancel through the merchant and revoke the standing card/e-wallet authorization in writing; screenshot the cancellation confirmation. You can also instruct your card issuer to block further recurring charges from that merchant.
Are charges after cancellation refundable?
Yes. Once you have revoked consent, further charges are unauthorized. RA 11765 §4(g) requires providers to honor the revocation, and solutio indebiti (Art. 2154) obliges return of money taken without a right — demand a refund and dispute it with the issuer.
What if the merchant hides the cancellation option?
Keep evidence of your attempts to cancel and of the continued charges. A provider that makes cancellation unreasonably hard while continuing to bill you can be reported to the BSP under RA 11765; for the card charges, file the §18 billing dispute.
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