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Most Searched Problems USA 2026

What's Happening to You Right Now?

Click any card below to open the full free guide with legal steps and copy-paste scripts.

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I Was Charged After I Canceled

Being billed after canceling a subscription? Get every charge refunded under FTC law.

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I Can't Figure Out How to Cancel

Streaming services and apps are built to confuse you at cancellation. Step-by-step for every platform.

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There's a Charge I Don't Recognize

Unfamiliar charge on your card? How to identify it, dispute it, and force a full reversal.

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Package Shows Delivered But Not Here

Tracking says delivered but nothing arrived? Exact steps for all carriers and retailers.

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My Bank Denied My Dispute

Bank said no? You have legal escalation options including CFPB complaints that force a response.

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Flight Canceled — They Gave a Voucher

Under 2025 US law airlines must give you cash not vouchers. How to claim exactly what you are owed.

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Gym Won't Let Me Cancel

Fitness memberships are the hardest to cancel. Every legal method including certified mail templates.

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Mystery Charges on My Phone Bill

Unexpected fees on your wireless or internet bill. Dispute steps and FCC complaint guide.

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How to File a CFPB Complaint

The most powerful consumer tool. One complaint achieves more than months of customer service calls.

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Product Broke — Warranty Ignored

Manufacturer won't honor the warranty? Federal law gives you enforceable rights.

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Online Store Won't Refund Me

A refund policy is not law. Chargeback rights override any store policy.

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Free Trial Charged Me Without Warning

Under ROSCA companies must clearly disclose terms before charging. How to get your money back.

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Every Consumer Problem — Solved Free

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💸 Refunds & Returns

Get Your Money Back

🚫 Cancellations

Stop Any Subscription

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When Your Bank Won't Help

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✈️ Travel & Airlines

Flights Hotels & Bookings

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Carrier Billing Issues

Consumer Rights Alerts 2026

What Every US Consumer Must Know

⚠️

Airlines Must Give Cash Refunds — Not Vouchers — It's the Law

Under the 2025 US DOT rule airlines must automatically issue cash refunds for canceled or significantly delayed flights. You can legally refuse a voucher.

🔔

FTC Click to Cancel Rule Is Now Enforceable Law

Any subscription service must allow online cancellation as easily as sign-up in a single step. No mandatory phone calls. Report violations at reportfraud.ftc.gov.

🏛️

CFPB Complaints Get Results Standard Customer Service Never Does

A CFPB complaint goes to the company's executive regulatory team not standard customer service. Companies must respond within 60 days.

💡

Always Dispute in Writing — Phone Calls Are Not Legally Admissible

Written email or chat disputes create a legal paper trail. Phone calls do not. Screenshot every conversation.

Frequently Asked Questions

Common Consumer Questions Answered

Dispute the charge with your credit card issuer via chargeback. You have 60 to 120 days. File with the FTC at reportfraud.ftc.gov or CFPB at consumerfinance.gov. For amounts under $10,000 small claims court is fast and companies often settle before the hearing.
No. Under the FTC Negative Option Rule and 2024 Click to Cancel rule any charge after confirmed cancellation is unauthorized. Dispute with your bank and report to the FTC. You are entitled to a full refund of all charges after your cancellation date.
A chargeback is when your bank reverses a charge after you dispute it. Use it when a merchant refuses a legitimate refund, you did not receive what you paid for, the item was not as described, or the charge was unauthorized. File within 60 to 120 days of the charge.
Contact the retailer and the carrier at the same time. Most major retailers will resend or refund without requiring carrier resolution first. If the retailer refuses file a credit card chargeback under item not received.
Under the 2025 US DOT rule airlines must automatically issue cash refunds for canceled flights and domestic flights delayed 3 or more hours. Decline any voucher in writing citing the DOT 2025 cash refund rule. If refused file a DOT Air Consumer complaint at transportation.gov/airconsumer.
CFPB consumerfinance.gov for banks and credit cards. FTC reportfraud.ftc.gov for deceptive practices and subscriptions. DOT transportation.gov for airlines. FCC consumercomplaints.fcc.gov for phone and internet. State Attorney General for state-level consumer violations.
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About ResolveNow

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ResolveNow was built on one idea: consumers should not need to know a company's hidden cancellation policy to fight back. They just need to know what happened to them and exactly what to do next.

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Every year millions of US consumers lose money to unauthorized charges refused refunds and predatory subscription traps — not because they lack rights but because they do not know how to enforce them. ResolveNow closes that knowledge gap permanently.

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Certified credit counselor. Covers banking disputes chargebacks credit reporting and billing fraud.

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