Let me know if you end up making this because I am, in fact, your target market. The free trials are never really free 🙃
Overview:
Think of it like a scrappy, always‑on money‑recovery assistant. You connect your bank/card and maybe your email receipts, it flags the recurring stuff you forgot about, then bots go to work: emailing support, chatting with reps, even calling them with a scripted voice to cancel, downgrade, or push for a refund. It tracks free‑trial end dates so you don’t get dinged, and when merchants play hardball it references their own terms and relevant consumer rules to add pressure. You get a cut of recovered money and a calmer subscription life without sitting on hold.
The Trends:
Agentic AI (autonomous multi-step agents) is moving from research demos to mainstream developer platforms and enterprise products, enabling assistants that can autonomously plan, act across services, and hold long-term memory. (1, 2)
Consumer fintechs that find recurring charges and negotiate refunds/cancellations (e.g., Rocket Money/TrueBill-style services) are scaling, demonstrating strong consumer demand for ‘subscription clean-up’ and concierge cancellation services. (3, 4)
RPA is evolving into 'agentic automation' and consumer-facing personal automation: RPA platforms are embedding generative models so bots can handle messy legacy UIs and negotiate/refund on behalf of people. (5, 6)
Privacy-preserving personal data vaults and decentralized personal data stores (Solid, DataVaults, digi.me) are gaining traction as ways to give users control of credentials, billing records, and consented data for third-party agents. (7, 8)
Regulators in the U.S. (FTC, CFPB) are tightening rules around negative‑option billing, cancellations, and transparency—creating both compliance requirements and enforcement risk for subscription services and the intermediaries that act on consumers' behalf. (9, 10)
Your Answer:
A consumer app that discovers recurring charges (cards, bank feeds, receipts) and uses autonomous, policy-aware agents to negotiate refunds, cancel subscriptions, auto-downgrade plans, and track free-trial end dates across email, chat, fax and phone.
Agents build case files from transaction and communication data, cite relevant consumer-protection statutes and contract terms to strengthen demands, and execute scripted outreach (emails, chatbots, automated calls/faxes) with escalation to a human operator when needed.
Solves subscription creep and wasted spend by automating the time‑consuming, messy work of canceling and recovering money — users get recovered refunds and stopped charges without manual hassles or legal know-how.
Privacy-first design: client-side encrypted vaults, consented token access to payment data, auditable action logs and reversible authorizations so users retain control and regulators/trust signals are baked in.
Defensible scale: library of negotiation playbooks, statute-backed templates, merchant response patterns and anonymized outcomes to train better agents; partner opportunities with neobanks, fintechs and consumer-advocacy orgs for distribution.
Your Roadmap:
MVP concept: build a personal dashboard that scans bank/credit-card statements (user uploads CSV or connects via Plaid) to surface recurring charges, trial dates, and repeat vendors.
Agent layer (simple): implement rule-based email templates + an LLM prompt that drafts negotiation/cancellation messages and a human-in-the-loop send/approve flow for first 100 users.
Automation connectors: integrate SMTP for email, Twilio for SMS/voice calls, and a basic fax API; record all interactions and responses in the user dashboard.
Policy-awareness: seed the agent with a short library of consumer protection playbooks (chargeback steps, refund statutes by region) and let the LLM cite the right paragraph when escalating.
Launch & feedback: onboard 50 beta users, track success metrics (refund amount recovered, cancellations completed, false positives), and iterate the templates/LLM prompts.