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I canceled a product after the free trial period, but the merchant keeps charging my credit card account each month. The bank has told me to resolve it with the merchant. What should I do?

First, write to the merchant, directing them to stop the charges.

Second, notify your bank in writing about any charges that you feel were in error. (Use the billing error instructions, which should appear on the back of your credit card statement. This address is usually different from where you send your payment.)

The bank must receive your notice of a billing error within 60 days of its having sent you the first monthly statement containing the unauthorized charges.

For more information, see the Automatic Withdrawals & Preauthorized Payments on this website.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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