June 1, 2026 [recipient name] [recipient address] Re: Demand for Refund of Post-Cancellation Charges — $[charges disputed] To Customer Service: I cancelled my subscription on [cancel date]. Despite this, you have continued to charge me, accumulating $[charges disputed] in unauthorized charges. Facts: [facts] Requested resolution: [desired outcome] If the full amount is not refunded within fourteen (14) days, I will (1) file a chargeback with my card issuer, (2) report this conduct to my state attorney general, and (3) pursue any other available remedies. Sincerely, [user full name] [user address]
Dark Pattern Violation · Kentucky
Is a company auto-charging a 2-year VPN plan without a renewal warning in Kentucky?
Force an immediate cancellation — and claw back every illegal charge.
Under federal law, this exact tactic violates ROSCA + FTC Click-to-Cancel Rule. Silently re-upping a 2-year plan at full price without an advance reminder email is a textbook ROSCA violation. Use our engine to generate a professional cancellation and refund demand in under 60 seconds.
Your rights in Kentucky
Subscription companies engineer cancellation friction on purpose. Here is the legal leverage you hold over them right now.
Federal protection — ROSCA + FTC Click-to-Cancel Rule
Multi-year auto-renewals require a clear, advance, separately consented disclosure — and a cancel path matching signup.
Kentucky adds: Kentucky Consumer Protection Act, KRS § 367.110
Actual damages plus punitive damages under the KCPA. State remedies stack on top of federal ROSCA damages.
Refund leverage
Pro-rated or full refund depending on use, immediate cancellation, and account removal from auto-renewal.
Evidence to lock in your refund
Save the original promo signup, the renewal charge, and the cancellation flow showing extra friction.
Crucial tactic: Do NOT just file a chargeback with your bank. A chargeback reverses one transaction but leaves the contract intact — and many companies send the disputed balance to collections. A formal statutory demand permanently voids the agreement, stops the billing, and blocks any collections referral.
How to break the contract today
STEP 1
Log the dark patterns
Tell our engine how you signed up, what friction the company is using to block cancellation, and how many months they've illegally billed under Kentucky Consumer Protection Act.
STEP 2
Instant statute mapping
The engine drafts a formal demand mapping the company's tactics to ROSCA + FTC Click-to-Cancel Rule and your state ARL, demanding immediate cancellation and a retroactive refund.
STEP 3
Deploy the demand
Download the professional PDF. Email it directly to the company's legal department and billing support — most cancel within 48 hours.
Choose a different dispute
Consumer
Subscription Refund
Question 1 of 813%
The person, company, or agency this letter is addressed to.
✓ Documents the cancellation date in writing
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- Bank-Level Privacy
- No Monthly Subscription
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Same violation in other states
- VPN multi-year auto-renewal — Alabama
- VPN multi-year auto-renewal — Alaska
- VPN multi-year auto-renewal — Arizona
- VPN multi-year auto-renewal — Arkansas
- VPN multi-year auto-renewal — California
- VPN multi-year auto-renewal — Colorado
- VPN multi-year auto-renewal — Connecticut
- VPN multi-year auto-renewal — Delaware