StellarFi is a service that helps you build your credit by automatically paying your monthly bills for you. You connect your bills to StellarFi using their Bill Pay Card, and they pay the bills on their due dates, then take the payment from your linked bank account. They report these on-time payments to major credit bureaus, which can improve your credit history. They offer different plans starting from $4.99/month that let you pay and report different amounts, which is why you might see charges from them.
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The cancellation process is straightforward and can be completed entirely online through the user's StellarFi account dashboard by following clear steps. The main limitation is that immediate closure is sometimes delayed by pending payment transactions, but this does not require additional effort from the user.
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minutes to cancel a Stellar Finance subscription.
How to Cancel Stellar Finance: Step by Step
If you purchased through StellarFi directly:
- Log in to your StellarFi account.
- Click your initials in the upper right corner of your StellarFi dashboard.
- Select Membership.
- Click the three dots (⋮) on the top right of the screen.
- Choose Manage Account.
- Select either Pause or Close.
Important: If a bill was recently paid but the payment hasn’t cleared from your linked bank account, your account cannot be immediately closed. It will remain active until the transaction is complete. We’ll notify you once the account is officially closed.
Tips & Tricks for Canceling Stellar Finance
- Call the company directly as cancellation is often only accepted via phone, despite the risk of unresponsive or scammy responses.
- Lock or cancel your credit card linked to the subscription immediately to block further unauthorized charges.
- Engage your bank’s fraud department to dispute charges after blocking the card, and be prepared to get a new card issued.
- Wait until pending charges clear before formally disputing with the bank for better success.
- Document every interaction including screenshots and call logs for evidence in disputes or complaints.
- Ignore or challenge vague contract terms like alleged 6-month mandatory subscriptions without proof; demand clear evidence if challenged.
- File complaints with consumer protection agencies when the company refuses to cancel or provide legitimate invoices.
- Use any available chat feature on the website to request cancellation if phone attempts fail, especially after card cancellation.
- Be cautious of company claims such as Stripe payment link expiration or creation fees that may be false.
Stellar Finance Customer Service Info
If you need assistance, here's how you can get in touch with Stellar Finance's support team.
Cancel Stellar Finance Script
Script
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Dear Stellar Finance Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription. Due to changes in my financial situation, I have decided to end my membership at this time.
I appreciate your understanding and support regarding this matter. Please confirm my cancellation at your earliest convenience.
Thank you for your assistance.
Best regards,
Frequently Asked Questions
Stellar Finance allows members to pause or cancel their membership by logging into their account, navigating to the Membership section, and selecting either Pause or Close. However, if a recent payment hasn't cleared from the linked bank account, the account cannot be closed immediately and will remain active until the transaction completes. Users will be notified once the account is officially closed.
To cancel your Stellar Finance (StellarFi) subscription, you need to log in to your StellarFi account and navigate through your account settings to close the membership. This means you will need your password to access your account in order to cancel the subscription. If you don't remember your password, you can reset it at this URL: https://app.stellarfi.com/request-password. There doesn't appear to be phone support or unauthenticated chat support for canceling subscriptions without logging in.
- Arbitrary account cancellation or pauses by Stellar Finance without clear reasons.
- Prolonged freezing of cards due to supposed "updates" that never materialize.
- Unkept promises of new cards or features leading to customer frustration.
- Lack of communication and unresponsive customer support despite repeated contact attempts.
- Inability to use services due to card cancellations, leaving accounts open but unusable for bill payments.
- Unreliable service with frequent delays and interruptions in expected functionality.
- General dissatisfaction due to unmet value and unmet needs from the product/service.
- Economic pressures leading customers to cut discretionary expenses, including subscriptions.
- Migration to competitors offering better user experience or more reliable services.
- Technical issues such as product bugs and checkout/payment friction that cause frustration and churn.
You can cancel your Stellar Finance subscription at any time by logging into your account and selecting the option to pause or close your membership. However, if you recently paid a bill that has not yet cleared from your bank account, your membership cannot be immediately cancelled and will remain active until the payment clears. There do not appear to be any contracts, lock-ins, or early cancellation fees, but you should be aware of the potential delay due to payment processing.
Before canceling your Stellar Finance membership, know that you need to log in to your account and go through the Membership settings to pause or close your account. If a recent bill payment hasn't cleared from your linked bank account, you cannot close the account immediately; it will stay active until the transaction completes, and you will be notified when the account is officially closed. By canceling, you will lose access to the StellarFi services tied to your membership, including any ongoing bill payment management and member features. It is important to ensure that no pending transactions exist before cancellation to avoid service interruptions or complications.
- Log-in credentials for the StellarFi account (username and password)
- Name associated with the account
- Telephone number associated with the account
- Reason for cancellation (optional, but may be requested for customer support)
- Email address linked to the StellarFi account (if reaching out via email support)
- Bank account status: Ensure all pending bill payments have cleared (accounts cannot be closed with outstanding transactions)
- Proof of bankruptcy (only if account closure is requested due to bankruptcy)
We've actually written a step by step guide on how to get a refund from Stellar Finance. Check it out!
The Easiest Way to Cancel Stellar Finance
If you’re frustrated trying to cancel your subscription, membership, or bill from Stellar Finance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to Stellar Finance?
STELLAR NETWORK, STELLAR FINANCE, STELLARFI, STELLARFI.COM, STELLARFI PAYMENT
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
