Spotify: unauthorized charge
Check for an accidental sign-up or a family member using your card, then contact Spotify.
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 15 sources are the organization's own pages or government sites.
Collect
- receipt or bank statement with the charge (hide the full card number)
- the email or phone you might have used
Steps
Try to sign in at spotify.com/account with each email, phone number, Apple or Google sign-in you use. You may have signed up by accident.
Ask family or friends whether they used your payment information. Spotify says they should cancel or change the payment method and reimburse you.
If you still need help, contact Spotify with the receipt or statement.
If Spotify does not reverse an unauthorized charge, dispute it with the card issuer.
More contacts for this issue
Rules in force
- Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements15 U.S.C. 8401-8405
A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.
Source: law.cornell.edu, verified 2026-10-12
4 citable points
- Policy
Before obtaining the consumer's billing information, the seller must provide text that "clearly and conspicuously discloses all material terms of the transaction".
Source: law.cornell.edu, verified 2026-10-12
- Policy
The seller must obtain "a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account".
Source: law.cornell.edu, verified 2026-10-12
- Policy
A post-transaction third-party seller may not charge a consumer for an online sale unless it discloses the material terms and gets express informed consent, including the consumer's full account number, before charging. An initial merchant may not pass a customer's account number or other billing information to such a seller.
Source: law.cornell.edu, verified 2026-10-12
- Process
A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.
Source: law.cornell.edu, verified 2026-10-12
- Policy
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
Written complaint
Card or bank dispute
Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)
Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)
Card dispute for charges after a cancellation.
Federal regulator
State agency
Your state’s attorney general. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).
Watch out
- Cancellation and the support message form require sign-in.
- Spotify has no phone support.
- Plans billed by a partner (mobile or internet provider, Google Play billing) must be cancelled and refunded through that partner.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
Spotify charged me [amount] on [date] and I did not authorize it. Use Escalate Anything to get it reversed.Source code, other install options and the Claude Code plugin