SUBSCRIPTION CANCELLATION DEMAND LETTER

Pursuant to FTC Negative Option Rule (16 C.F.R. § 425) and State Consumer Protection Laws

CONSUMER INFORMATION

Name: ☐ _______________________________________________

Address: ☐ _______________________________________________

City, State, ZIP: ☐ _______________________________________________

Phone: ☐ _______________________________________________

Email: ☐ _______________________________________________

Date: ☐ _______________________________________________

BUSINESS/COMPANY INFORMATION

Company Name: ☐ _______________________________________________

Customer Service Address: ☐ _______________________________________________

City, State, ZIP: ☐ _______________________________________________

Account/Subscription Number: ☐ _______________________________________________

Email on Account: ☐ _______________________________________________

SENT VIA:

☐ Certified Mail, Return Receipt Requested
- Tracking Number: _______________

☐ Email (with read receipt requested)
- Email address: _______________

☐ Online submission (screenshot saved)
- Date/time: _______________

☐ Other: _______________

FORMAL DEMAND FOR SUBSCRIPTION CANCELLATION AND REFUND

Dear Sir or Madam:

I am writing to DEMAND IMMEDIATE CANCELLATION of my subscription/membership and REFUND of unauthorized or improper charges.

This demand is made pursuant to the Federal Trade Commission's Negative Option Rule (16 C.F.R. § 425), the FTC's Click-to-Cancel Rule (16 C.F.R. Part 425), and applicable state consumer protection laws.

I. SUBSCRIPTION DETAILS

Account Information

Sign-Up Method

☐ Online at website: _______________

☐ Mobile app

☐ Phone call

☐ In-person

☐ Through third party: _______________

☐ Other: _______________

II. CANCELLATION DEMAND

Effective Immediately, I Demand:

☐ Immediate Cancellation of my subscription/membership

☐ Confirmation in Writing of cancellation within 24 hours

☐ Removal of Payment Information from your system

☐ Cessation of All Future Charges to my payment method

☐ Cessation of All Marketing Communications

III. REFUND DEMAND

Charges to be Refunded:

Basis for Refund Demand:

☐ Unauthorized Charges - I did not consent to these charges

☐ Continued Charges After Cancellation Request - I previously requested cancellation on ☐ _______________ via ☐ _______________

☐ Free Trial Conversion Without Clear Consent - I signed up for a free trial and was charged without proper notice or consent

☐ Deceptive Enrollment - I was enrolled without clear disclosure of recurring charges

☐ Billing After Service Terminated - You continued to charge after I stopped using the service

☐ Price Increase Without Notice - You increased the price from $____ to $____ without proper notification

☐ Failure to Provide Service - You charged me but failed to provide the promised service

☐ Other: _______________________________________________

IV. PRIOR CANCELLATION ATTEMPTS

I have previously attempted to cancel this subscription as follows:

Attempt #1

Attempt #2

Attempt #3

V. VIOLATIONS OF FTC RULES

Your practices violate federal regulations, including:

FTC Click-to-Cancel Rule (Effective July 14, 2025)

☐ Failure to Provide Simple Cancellation Mechanism (16 C.F.R. § 425)
- You require consumers to call a phone number to cancel when sign-up was online
- You require in-person cancellation when sign-up was online
- The cancellation process is significantly more difficult than sign-up

☐ Failure to Provide Cancellation Through Same Medium
- I signed up via: _______________
- You require cancellation via: _______________

☐ Requiring Interaction with Live Representative
- You require speaking with a representative to cancel
- I did not speak with a representative to sign up

☐ Failure to Obtain Express Informed Consent
- The negative option feature was not clearly disclosed
- Consent was not obtained separately from other terms
- The consent checkbox was pre-checked

☐ Failure to Clearly Disclose Material Terms
- Recurring charges were not clearly disclosed before obtaining billing information
- Cancellation terms were not clearly disclosed

☐ Misrepresentation
- You misrepresented material facts about the subscription

FTC Negative Option Rule (16 C.F.R. § 425)

☐ Failure to clearly and conspicuously disclose material terms of the negative option plan

☐ Failure to provide a simple mechanism to cancel

☐ Failure to immediately halt charges upon cancellation request

VI. VIOLATIONS OF STATE LAW

Your practices also violate the following state laws:

☐ ☐ _______________ [State] Consumer Protection Act
- Citation: _______________
- Specific violation: _______________

☐ ☐ _______________ [State] Automatic Renewal Law
- Citation: _______________
- Specific violation: _______________

☐ Common Law Fraud/Misrepresentation

VII. DEMANDED ACTIONS

Within 5 Business Days:

☐ Confirm Cancellation in writing via email and mail

☐ Process Full Refund of $☐ _______________ to my original payment method

☐ Remove Payment Information from your system

☐ Cease All Future Billing Attempts

☐ Remove Me from Marketing Lists (email, mail, phone, SMS)

Confirmation Should Include:

☐ Effective date of cancellation

☐ Confirmation that no further charges will be made

☐ Refund amount and expected processing time

☐ Reference/confirmation number

VIII. CONSEQUENCES OF NON-COMPLIANCE

If you fail to comply with this demand within 5 business days, I will take the following actions:

Regulatory Complaints

☐ File a complaint with the Federal Trade Commission (FTC)
- ftc.gov/complaint

☐ File a complaint with the Consumer Financial Protection Bureau (CFPB)
- consumerfinance.gov/complaint

☐ File a complaint with ☐ _______________ [State] Attorney General

☐ File a complaint with the Better Business Bureau (BBB)

Financial/Banking Actions

☐ Dispute charges with my credit card company/bank

☐ Request a chargeback for all unauthorized charges

☐ Place a stop payment on future charges

☐ Request a new card number to prevent further charges

Legal Action

☐ Pursue legal action for violations of:
- FTC Negative Option Rule
- State consumer protection laws
- State automatic renewal laws

☐ Seek civil penalties of up to $51,744 per violation under FTC rules

☐ Seek treble damages under state UDAP laws (where applicable)

☐ Seek attorney's fees and costs

IX. DOCUMENTATION PRESERVED

I have preserved the following evidence:

☐ Screenshots of sign-up process

☐ Screenshots of attempted cancellation

☐ Email confirmations and correspondence

☐ Bank/credit card statements showing charges

☐ Chat transcripts with customer service

☐ Call recordings (if permitted by state law)

☐ Terms and conditions at time of sign-up

☐ Other: _______________

X. CONTACT INFORMATION FOR RESPONSE

Please direct all responses to:

Name: ☐ _______________________________________________

Address: ☐ _______________________________________________

Email: ☐ _______________________________________________

Phone: ☐ _______________________________________________

This demand is made under the penalties of perjury and without prejudice to any rights or remedies available under federal or state law.

Sincerely,

_________________________________________________
[Signature]

_________________________________________________
[Printed Name]

_________________________________________________
[Date]

CHECKLIST FOR CONSUMER

Before Sending:

☐ Document all previous cancellation attempts

☐ Screenshot the company's cancellation process

☐ Gather all billing statements showing charges

☐ Save copies of original sign-up terms

☐ Make copies of this letter and all enclosures

☐ Send via certified mail with return receipt

After Sending:

☐ Save certified mail receipt and tracking

☐ Save return receipt when received

☐ Calendar 5-day response deadline

☐ Prepare to dispute charges with credit card company

☐ Document any further charges after demand sent

Credit Card Dispute Process:

If the company fails to respond or continues charging:

1. ☐ Call your credit card company's dispute line
2. ☐ Request chargebacks for unauthorized charges
3. ☐ Request a new card number
4. ☐ File dispute in writing within 60 days of statement date

FTC COMPLAINT INFORMATION

Federal Trade Commission Consumer Complaint

Online: ftc.gov/complaint

Phone: 1-877-FTC-HELP (382-4357)

Mail:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580

Information to Include:
- Company name and contact information
- Description of the problem
- Dates and amounts of charges
- Copies of correspondence
- Desired resolution

LEGAL REFERENCES

Federal Law:
- FTC Negative Option Rule (16 C.F.R. § 425)
- FTC Click-to-Cancel Rule (Final Rule October 2024, effective July 14, 2025)
- Electronic Fund Transfer Act (15 U.S.C. § 1693)
- Fair Credit Billing Act (15 U.S.C. § 1666)

Civil Penalties:
- FTC can seek up to $51,744 per violation
- State UDAP laws may provide for treble damages

State Automatic Renewal Laws (examples):
- California: Cal. Bus. & Prof. Code § 17600-17606
- New York: N.Y. Gen. Bus. Law § 527
- Illinois: 815 ILCS 601
- Florida: Fla. Stat. § 501.165

TEMPLATE VARIATIONS

For Free Trial Conversions:

Add: "I signed up for a free trial on [date]. At no point did I provide clear, affirmative consent to be charged $[amount] upon expiration of the trial. Under FTC rules, you were required to obtain my express informed consent before charging my payment method."

For Gym Memberships:

Add: "I am also exercising my rights under [State] health club contract law, which requires [specific state requirements for gym cancellation]."

For Newspaper/Magazine Subscriptions:

Add: "Under FTC rules regarding prenotification negative option plans, you were required to provide me with a form that I could use to instruct you not to send the announced merchandise."

This template is provided for informational purposes and does not constitute legal advice. Consumer protection laws vary by state. Consult with a qualified attorney for advice specific to your situation.