§ Sample report · this is example output for design preview — not a real audit
§ AUDIT REPORT · FORM OC-201

We read what they sent you.

REPORT ID · sample-subsTYPE · SUBSCRIPTION LEAKISSUED · 6/13/2026
URGENCY · LinkedIn Premium annual renews · 34 days remaining
Documents reviewed ·✓Credit card statement (92 days)
Would improve next audit ·+12 months of statements to catch annual auto-renewals+Bank statement (alternate funding source often surfaces different subscriptions)
STATEMENT PERIOD · 92 days · 2026-02-14 → 2026-05-15

2 findings flagged red (likely cancelable). Estimated annual leak if all flagged subscriptions are canceled: $1,607.52.

ANNUAL LEAK ESTIMATE$1,608
Confidence mix · (1 at A, 2 at B, 2 at C)
!
Adobe Creative Cloud — duplicate seatA
Active on this card AND on a household member card per cross-statement signal. Cancel one to save $660/yr.
REF · 3 charges · subscription_likely · knowledge_base
MONTHLY · $54.99 · ANNUAL · $660 · ANNUAL BASIS · knowledge base
$660
§ CANCEL ON Adobe Creative Cloud All Apps
Cancel on Adobe Creative Cloud All Apps →
Phone backup · 1-800-833-6687
§ STEPS
  1. Sign in at account.adobe.com
  2. Plans → Manage plan → Cancel plan
  3. Adobe shows aggressive retention: 'Pause,' 'Switch plans,' '50% off' offers — click through ALL of them
  4. Final confirmation: 'I'm sure, cancel my plan'
§ EXPECT RETENTION

They'll offer · 50% off for 3 months, OR switch to Photography-only plan ($19.99/mo) instead of full CC

I appreciate the offer but I've decided to cancel completely. Please process the cancellation. If I want to come back I'll start a new subscription.
§ CONFIRM IT WORKED

Look for · Email subject 'Your Adobe cancellation' within 1 hour; account page shows cancellation date

Early cancel fee may apply
§ DIFFICULTY
Aggressive retention; phone may be needed
?
LinkedIn Premium — annual auto-renewedB
Annual plan renewed silently. Review whether usage justifies vs free tier.
REF · 1 charges · subscription_likely · knowledge_base
MONTHLY · $39.99 · ANNUAL · $480 · ANNUAL BASIS · knowledge base
$480
§ FALLBACK

We don't have a specific cancellation procedure for LinkedIn Premium — annual auto-renewed in our database yet. Try these general approaches:

?
NYTimes — promo expired, price tripledC
Introductory rate of $4/mo expired; price increased to $17. Cancel and re-subscribe through a fresh email captures intro pricing again.
REF · 3 charges · subscription_likely · extrapolated_from_period
MONTHLY · $17.00 · ANNUAL · $204 · ANNUAL BASIS · extrapolated from period
$204
§ FALLBACK

We don't have a specific cancellation procedure for NYTimes — promo expired, price tripled in our database yet. Try these general approaches:

?
Dropbox Plus — overlaps with iCloud + Google OneC
Three cloud storage subscriptions active. Consolidate to one.
REF · 3 charges · subscription_likely · knowledge_base
MONTHLY · $11.99 · ANNUAL · $144 · ANNUAL BASIS · knowledge base
$144
§ CANCEL ON Dropbox
Cancel on Dropbox →
§ STEPS
  1. Sign in at dropbox.com
  2. Avatar → Settings → Plan
  3. Click 'Cancel plan' or 'Switch to Free' (label varies)
  4. Click through retention screens (free month, etc.)
  5. Confirm cancellation
§ EXPECT RETENTION

They'll offer · Free month, or downgrade to Plus from Pro

Cancel — not downgrade.
§ CONFIRM IT WORKED

Look for · Email + plan page shows downgrade to Free at end of period

Access continues until end of paid period
§ DIFFICULTY
Mild retention screens
!
Crunchyroll Premium — duplicate household accountB
Same household paying for Crunchyroll Premium twice.
REF · 3 charges · subscription_likely · knowledge_base
MONTHLY · $9.99 · ANNUAL · $120 · ANNUAL BASIS · knowledge base
$120
§ FALLBACK

We don't have a specific cancellation procedure for Crunchyroll Premium — duplicate household account in our database yet. Try these general approaches:

§ Questions Worth Investigating

These aren't findings yet — they're things worth asking about. None require action; all might be worth a phone call.

?
What's behind the Apple.com/Bill charges?

Three monthly $24.99 charges labeled APPLE.COM/BILL. We can't see what those map to from the statement alone — could be one subscription or several. Worth identifying before the next bill.

REF · Apple.com/Bill transactions
Open the Settings app on your iPhone → tap your name → Subscriptions. Confirm which active subscriptions are billed at $24.99/month. Cancel the ones you don't use.
§ Cancel through Apple Subscriptions

If a subscription appears on your bank statement as 'APPLE.COM/BILL' or via Apple ID, it MUST be canceled through Apple — not the vendor's website. Canceling on the vendor site won't stop Apple from charging.

iPhone / iPad:
  1. Open Settings app
  2. Tap your name at the top
  3. Tap Subscriptions
  4. Find the subscription, tap it
  5. Tap 'Cancel Subscription' (scroll if needed)
  6. Confirm cancellation
Mac:
  1. Apple menu → System Settings → Apple Account → Media & Purchases
  2. Click 'Manage' next to Subscriptions
  3. Find the subscription, click Edit
  4. Click Cancel Subscription
  5. Confirm

Web · Visit reportaproblem.apple.com → Manage Subscriptions

Cancellation takes effect AT THE END of the current billing period — you keep access until then. No prorated refund for unused time unless you specifically request and Apple grants it.

§ Cancel through Google Play

If a subscription shows on your statement as 'GOOGLE *...' or via Google Play, cancel through Google Play, not the vendor's website.

Web:
  1. Go to play.google.com/store/account/subscriptions
  2. Sign in with the correct Google account (the one billed)
  3. Find the subscription, click Manage
  4. Click Cancel Subscription
  5. Select a reason (required), click Continue
Android:
  1. Open Google Play Store app
  2. Tap profile icon (top right)
  3. Tap Payments & subscriptions → Subscriptions
  4. Tap the subscription you want to cancel
  5. Tap Cancel subscription, follow prompts

Cancellation takes effect at end of current billing period. No prorated refund. Wrong-account-signed-in is the #1 reason people can't find their subscription — try all your Google accounts.

§ Last resort: credit card chargeback

If a vendor refuses to cancel or keeps charging after you cancel, you have leverage through your credit card company. This is your nuclear option.

When to use:
  • Vendor refuses to cancel after multiple documented requests
  • Vendor continues charging after confirmed cancellation
  • Vendor's cancellation flow is broken (looped error pages, dead phone lines)
  • Vendor charged you after a free trial without clear consent
How to initiate:
  1. Call the number on the back of your credit card
  2. Ask for 'dispute' or 'chargeback' department
  3. Cite the reason: 'unauthorized recurring charge' or 'merchant refused to cancel'
  4. Provide dates of charges you want disputed (typically up to 60-120 days back; varies by card)
  5. Send any documentation you have (cancellation request emails, screenshots)

Visa, Mastercard, Amex generally side with the cardholder on documented cancellation disputes. Success rate 80-90% for subscription disputes with clear documentation. Lower for trial-conversion disputes (50-70%).

FTC click-to-cancel · FTC's 'click-to-cancel' rule (announced 2024, full enforcement 2026) requires that vendors make cancellation as easy as signup. Phone-only cancellation for online signups is now non-compliant.
§ Know your state's auto-renewal laws

Several states have auto-renewal laws that give you extra leverage. Vendors must give advance notice of renewal and accept easy cancellation.

  • California · Cal. Bus. & Prof. Code §17602 (auto-renewal law, expanded 2018, 2024 amendments) — Easy online cancellation if signup was online; advance renewal notice 3-21 days before annual renewal; clear and conspicuous disclosure of recurring nature
  • New York · NY General Business Law §527-a (effective 2021) — Cancellation must be possible by same method as signup; advance notice for annual renewals
  • Florida · Fla. Stat. §501.0117 — 30-60 day advance renewal notice; easy cancellation
  • Illinois · Automatic Contract Renewal Act (815 ILCS 601) — Clear disclosure; easy cancellation
  • Vermont · 9 V.S.A. §2454a — Affirmative opt-in for renewal; easy cancellation

If you live in one of these states and a vendor is making cancellation difficult, cite the relevant statute in your cancellation request. Example: 'Under California Business and Professions Code §17602, I am exercising my right to cancel this subscription through the same channel I used to sign up. Please confirm cancellation within 24 hours.'

Next steps

For each flagged subscription, we've included the cancellation URL when known. Annual auto-renewals are time-sensitive — set a calendar reminder for 11 months out on any annual subs you keep.

  1. Click each cancel link in the findings below. Most cancellations take under 60 seconds.
  2. For services charged via Apple.com/Bill — open the Settings app on iOS → tap your name → Subscriptions → manage from there.
  3. For services charged via Google * — open https://pay.google.com → Subscriptions.
  4. If a service is mid-annual-term, cancel anyway — most allow access through end of paid period and prevent renewal.
  5. Don't cancel anything you're actively using just because it's flagged. Use this as a forcing function to evaluate each line.
  6. After cancellations, re-audit in 60-90 days to verify the changes hit your statement.
Back to home
Overcheck.ai · Read-only, independent audit. Not financial advice. Findings are informational and require your own judgment before canceling any service.© 2026 Overcheck Inc. · Not affiliated with any healthcare provider, bank, insurer, or government agency. Findings are AI-generated and require verification.