Know Your Rights

Understanding the protections that exist can help you frame your dispute accurately and confidently. The summaries below are general and US-focused. They are not exhaustive, may not reflect the latest amendments, and may not apply to your situation — always verify with official sources (such as the FTC and CFPB) or a licensed attorney.

Fair Credit Billing Act (FCBA)

The FCBA gives credit-card users a process to dispute “billing errors.” Importantly, a billing error includes being charged for goods or services that were not delivered as agreed — which is exactly the situation when you pay for a plan or credits that never arrive.

• It generally applies to credit cards (open-end credit), not debit cards.
• You typically must dispute in writing within 60 days after the first statement showing the charge was sent to you.
• The card issuer must acknowledge your dispute and investigate it within set timeframes.
• While a properly disputed amount is being investigated, you generally may withhold payment on that amount.

This is why ResolveMyAI frames disputes around "services not provided as agreed" — it maps directly to a recognized billing-error category and to card-network chargeback reason codes.

Chargebacks vs. the FCBA

A “chargeback” is the card network's dispute process (Visa, Mastercard, etc.); the FCBA is a federal statute. They overlap but are not identical. In practice you usually initiate a dispute with your card issuer, who applies both their network rules and your statutory rights.

Paid with a debit card?

Debit-card transactions fall under the Electronic Fund Transfer Act (EFTA) and Regulation E, which have their own error-dispute process and timelines (commonly 60 days from the statement). Protections can differ from credit cards, so check with your bank.

ROSCA — subscriptions and “negative options”

The Restore Online Shoppers' Confidence Act (ROSCA) governs online subscriptions and “negative option” billing (where your inaction is treated as consent to be charged). It generally requires that a seller:

• Clearly and conspicuously disclose the material terms before obtaining your billing information,
• Obtain your informed consent before charging you, and
• Provide a simple mechanism to stop recurring charges.

If a platform made it hard to understand what you were signing up for, or hard to cancel, that may be relevant context for your complaint.

FTC enforcement on subscriptions (2025–2026)

The Federal Trade Commission has made deceptive subscription practices and difficult cancellations an enforcement priority, including rulemaking aimed at making cancellation as easy as sign-up (often summarized as “click to cancel”). The scope and status of specific rules have been subject to legal challenge and change over time, so check the FTC's current guidance. Regardless of a specific rule's status, the FTC pursues unfair or deceptive practices under its general authority.

State automatic-renewal laws

Many US states have their own automatic-renewal laws requiring clear disclosure of renewal terms and an easy way to cancel. For example, Florida's Automatic Renewal Law (Fla. Stat. § 501.165) sets disclosure and cancellation requirements for automatically renewing contracts. Requirements vary by state and change over time — verify the current text for your state.

Putting it together

• Document everything: the charge, what you were promised, what you actually received (or didn't), and every support attempt.
• Lead with the facts and the "services not provided as agreed" framing — it is concrete and maps to recognized dispute categories.
• Give the merchant a documented chance to fix it before you escalate to a dispute.
• Choose the right channel: credit-card disputes (FCBA/network rules) differ from debit-card disputes (EFTA/Reg E).