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Cancel Complete Savings: The Right Way
How to cancel complete savings: your complete guide to ending membership in singapore
What is complete savings and why it matters to your wallet
Complete Savings was a subscription-based cashback and rewards program designed to help members recover their membership fees through exclusive discounts and cashback offers at participating retailers across multiple regions.
The service aimed to deliver genuine value on everyday purchases, but the program ceased operations effective 30 April 2023. This means no new memberships are available, and if you hold an older account, understanding your cancellation rights and refund eligibility is essential.
Current status of complete savings in 2025
The Complete Savings membership program is no longer active. The service terminated all operations in April 2023, and no membership plans or pricing tiers remain available for new or renewing subscribers.
If you still have charges appearing on your bank statement or credit card, this guide will help you identify what happened and take action. Stopee exists to help consumers like you navigate these situations with confidence.
Why you might still need to cancel
Even though Complete Savings has ended, some customers report residual charges, lingering access issues, or accounts that were not properly terminated. You may also need to cancel if you signed up before the shutdown and want to ensure your account is completely closed and your data is handled correctly.
Your consumer rights in singapore under the consumer protection (Fair trading) act
Singapore's Consumer Protection (Fair Trading) Act protects you when you buy services online or offline, including subscription memberships. Understanding these rights is your foundation for getting fair treatment if Complete Savings disputes your cancellation or withholds a refund.
What the law guarantees you
Under the Consumer Protection (Fair Trading) Act, you have the right to receive services of acceptable quality and to receive accurate information before you subscribe. If Complete Savings failed to deliver promised benefits or charged you after you cancelled, you have grounds to dispute the charge and demand a refund.
The Act also protects you against misleading or deceptive conduct. If you were not given clear information about cancellation procedures, billing dates, or refund terms at the time of signup, this strengthens your position if you need to escalate a dispute.
Your escalation pathway
If Complete Savings refuses to refund you or does not respond to your cancellation request within 14 days, you can file a complaint with the Consumers Association of Singapore (CASE). CASE investigates disputes, mediates between consumers and businesses, and can push for resolution when a company ignores your rights.
Document every communication with Complete Savings-save emails, screenshots, confirmation reference numbers, and payment records. This evidence supports your case if you need to escalate to CASE. Stopee recommends keeping these records for at least two years.
How to cancel complete savings: step-by-step methods
Complete Savings offered multiple cancellation pathways depending on how you subscribed. Below are the main routes you can take to end your membership today.
Cancel through your online account (fastest method)
If you created a Complete Savings account directly on their website, logging in and using their cancellation portal is the quickest way to process your request.
- Visit the Complete Savings website and log in using your email address and password.
- If you cannot remember your password, use the "Forgot password?" link to reset it.
- Navigate to your profile or account settings (usually found in the top-right menu or under "My Account").
- Look for sections labeled "Subscription", "Membership", or "Billing".
- Find the "Unsubscribe" or "Cancel Subscription" button and click it.
- Complete Savings may ask you why you are cancelling-you can skip this or provide feedback, but it does not affect your cancellation.
- Confirm your cancellation when prompted.
- The system should display a confirmation page with a cancellation date and reference number.
- Screenshot the confirmation page and save any cancellation email sent to your inbox.
- Pro tip: if a refund option appears on the confirmation screen, note the amount and date-you will need this for your records.
Cancel by email (most reliable for documentation)
Email leaves a permanent written record, which is invaluable if you later need to prove you cancelled or dispute a charge. Send a formal cancellation request to Complete Savings' customer service.
- Compose an email to customerservice@completesavings.com with the subject line "Cancellation Request-[Your Full Name]".
- Keep the tone professional and factual; do not include emotional language or complaints at this stage.
- In the email body, include:
- Your full name (as it appears on your account).
- The email address associated with your Complete Savings account.
- Your membership ID or account number (if you have it).
- A clear statement: "I request immediate cancellation of my Complete Savings membership, effective today."
- Your preferred cancellation date (or request it effective immediately).
- At the end of the email, explicitly ask: "Please send a written confirmation of this cancellation, including the effective date and any refund eligibility."
- Warning: do not accept a verbal confirmation by phone alone-always follow up any phone call with a confirming email so you have proof.
- Send the email and keep a copy in a folder labelled "Complete Savings Cancellation" on your computer or email account.
- If you do not receive a response within 5 business days, send a follow-up email or escalate through Stopee's guidance for unresponsive vendors.
Cancel by phone (immediate confirmation)
Speaking to a customer service representative can resolve your cancellation on the spot, though you should always follow up with an email for your records.
- Call the Complete Savings support number provided in your account or billing statement.
- If you have lost the number, check your credit card statement for a customer service contact.
- When you reach a representative, provide:
- Your full name.
- Your account email address.
- Your membership ID or account number.
- A clear request: "I want to cancel my Complete Savings membership immediately."
- Ask the representative for:
- A confirmation reference number.
- The effective cancellation date.
- Any refund amount and the expected processing timeframe.
- Write down the representative's name, the date and time of the call, and the confirmation reference.
- Follow up with an email to customerservice@completesavings.com stating: "This email confirms my phone cancellation on [date] with reference number [number]. Please send written confirmation."
- Pro tip: Stopee users report that sending a follow-up email dramatically reduces the chance of being charged again after cancellation.
Cancel if you subscribed via apple app store
If you signed up for Complete Savings through an iOS app, you must cancel through your Apple account settings, not the app itself.
- On your iPhone or iPad, open the Settings app.
- Tap your name at the top, then select "Subscriptions".
- Find "Complete Savings" in your active subscriptions list and tap it.
- Select "Cancel Subscription" and confirm when prompted.
- Apple will show you the cancellation date. Screenshot this confirmation.
- You should receive a cancellation email from Apple within minutes.
- Save this email-it is your proof of cancellation.
Cancel if you subscribed via google play
If you signed up through the Android app, cancellation happens in your Google Play Store account, not within the app.
- Open the Google Play Store app on your Android phone or visit play.google.com on a browser.
- Tap your profile icon in the top-right corner and select "Subscriptions".
- Find "Complete Savings" in your active subscriptions and tap it.
- Select "Cancel subscription" and follow the prompts.
- Google will confirm the cancellation date on screen. Take a screenshot for your records.
- A confirmation email should arrive from Google Play within a few hours.
What happens after you cancel
Cancellation does not end instantly-there are a few important outcomes you should expect and monitor.
Your access and billing after cancellation
After you cancel, you should not be charged for any renewal after your effective cancellation date. However, you may retain access to your membership benefits until the end of your current paid billing period.
For example, if your membership renews on the 15th of each month and you cancel on the 1st of the month, you might keep access until the 15th, then lose access when the renewal would have occurred. Check your cancellation confirmation email to see what date your benefits end.
Warning: if you are charged again after your cancellation date, contact your bank or card issuer immediately and report it as an unauthorized charge. This is a chargeback scenario, and your financial institution can help you recover the funds.
Your account data and privacy
After cancellation, your account data and cashback history will remain stored unless you specifically request deletion. If you want Complete Savings to delete your personal information, send a separate email to their data privacy contact (often listed in their privacy policy) requesting deletion under the Personal Data Protection Act (Singapore).
Keep copies of your account screenshots, confirmation emails, and any messages from support for at least two years. These documents help if you need to dispute a charge or file a complaint later.
Will you get a refund after cancelling
Refunds depend on when you cancel relative to your next billing date and what your membership agreement says. This section explains the most likely scenarios.
When refunds are most likely
You have the strongest case for a full refund if you cancel before your next billing cycle begins. For example, if your membership renews on 15 March and you cancel on 5 March, you likely qualify for a refund of the upcoming renewal charge.
Trial period cancellations also often trigger refunds. If you signed up for a free trial and cancelled before the paid period started, you should receive a full refund of any charges that were already taken.
If Complete Savings failed to deliver promised cashback benefits or access was restricted unfairly, you may also be eligible for a refund even if you are outside the trial period. In these cases, Stopee recommends documenting the issue and escalating to CASE if the company refuses.
Refund timelines by payment method
The method you used to pay affects how long your refund takes to appear in your account. These are typical timeframes:
| Payment method | Refund processing time |
|---|---|
| Credit or debit card | 3-5 working days (bank dependent) |
| PayPal | 1-3 working days |
| Bank transfer | 5-7 working days |
| Ewallet (GrabPay, etc.) | 1-2 working days |
If your refund does not arrive within the timeframe shown, contact your bank or payment provider and ask them to follow up with Complete Savings. You can also file a chargeback dispute if the company does not respond.
Refund denial and your next steps
If Complete Savings refuses to refund you, do not assume the decision is final. You have multiple escalation options.
First, respond to the company in writing (email is best) and ask for a detailed explanation of why you are not eligible for a refund. Quote the Consumer Protection (Fair Trading) Act and the terms of service you agreed to at signup-ask them to show you exactly which clause justifies their refusal.
If the company does not budge within 7 days, file a complaint with the Consumers Association of Singapore (CASE). Include copies of your cancellation request, the company's refusal, your account history, and any proof that the service did not meet expectations. CASE will mediate on your behalf at no cost.
You can also dispute the charge through your bank or credit card issuer as a "service not rendered" or "unauthorized charge" dispute. Your bank can force a refund while the company appeals-this often motivates faster resolution.
Complete savings pricing and plan history
Since Complete Savings shut down in April 2023, no current pricing or membership plans exist. However, understanding what you may have paid helps you determine your refund eligibility.
| Membership tier | Status | Notes |
|---|---|---|
| All Complete Savings plans | Discontinued (April 2023) | No renewals or new signups accepted |
| Monthly subscription | No longer available | Check old statements for historic charges |
| Annual membership | No longer available | Refund eligibility depends on termination terms |
If you have an old billing statement from when Complete Savings was active, check the amount charged and the renewal date. This helps you prove what you paid and supports any refund claim. Do not rely on third-party websites for pricing information-only your own payment records and account screenshots are valid proof.
Common mistakes to avoid when cancelling
We understand cancellation can feel stressful, especially when dealing with a defunct service. Here are the pitfalls that trip up most customers-and how to sidestep them.
Assuming the app cancellation worked
The biggest mistake is cancelling through the app and assuming it is done. Many customers delete the app after cancelling, then get surprised by charges weeks later.
What to do instead: always cancel through the official website or customer service, not the app. App-based cancellations are often unreliable. After you cancel, wait 2-3 days, log back into your account (or contact support), and confirm the cancellation went through. Check your next billing statement to ensure no charge appeared.
Not saving confirmation details
If you cancel by phone or email and forget to save the confirmation reference number, you have no proof the company received your request. Months later, if you are still charged, you cannot prove you tried to cancel.
What to do instead: screenshot every confirmation page, save every confirmation email, and write down every reference number you receive. Create a folder on your computer or a note in your phone labelled "Complete Savings-Cancellation Proof". Keep it for two years.
Ignoring a partial refund or delayed processing
Some customers accept a partial refund or see a refund "pending" and assume everything is resolved. Then the refund never posts, or the company keeps part of the fee.
What to do instead: if you receive a partial refund, ask the company why the rest is being withheld. If the refund is "pending" for more than 7 working days, follow up. If the company refuses to explain or the refund stalls, escalate to CASE or your bank. Stopee has helped thousands of consumers recover partial refunds that companies tried to keep.
Not following up with an email after a phone call
You call, the representative says "Yes, we will cancel you," and you think you are done. But with no written record, the company can later claim you never called.
What to do instead: always send a follow-up email after any phone cancellation. Write: "This confirms my phone cancellation request on [date] with reference [number]. Please send written confirmation." This email becomes your legal proof.
Your cancellation checklist
Use this checklist to ensure you have completed every step and have the documentation you need to protect yourself.
| Step | Completed |
|---|---|
| Submitted cancellation request (website, email, phone, or app) | ☐ |
| Received cancellation confirmation with date and reference number | ☐ |
| Saved all confirmation emails and screenshots | ☐ |
| Checked next billing statement to confirm no renewal charge appeared | ☐ |
| Verified refund posting (if applicable) within expected timeframe | ☐ |
| Requested data deletion (if desired) and saved confirmation | ☐ |
When should you not cancel complete savings
Given that Complete Savings is defunct, there is no scenario where you should keep an active membership. However, if you are still seeing charges on your statement from this service, your priority is to cancel and recover those funds immediately.
If the company has already shut down and you cannot reach them, file a chargeback dispute with your bank or credit card issuer. Describe the charges as "service no longer available" or "unauthorized recurring charges." Your bank will investigate and force a refund. This is not theft-it is your legal right when a company stops delivering a service you paid for.
Getting help if complete savings won't respond
If you have tried to cancel and the company has not responded within 14 days, or if they refuse your cancellation request, escalation is your next move.
File a complaint with CASE
The Consumers Association of Singapore (CASE) handles disputes between consumers and businesses. Submit your complaint online at case.org.sg or call 6100 0315. You will need to provide:
- Your cancellation request (email or phone confirmation).
- Copies of your billing statements showing charges.
- Any response (or lack of response) from Complete Savings.
- Documentation of the service failure (if applicable).
CASE will contact Complete Savings on your behalf and push for resolution. This is free and carries weight because CASE represents consumer rights in Singapore officially.
Initiate a chargeback with your bank
Contact your bank or credit card issuer and report the charges as unauthorized or for a service no longer rendered. Provide your cancellation proof and the company's lack of response. Your bank will reverse the charges while investigating-this forces action and often leads to a refund faster than waiting for the company to respond.
Escalate through stopee
Stopee connects you with templates, escalation pathways, and expert guidance for unresponsive vendors. If you have exhausted direct contact and formal complaints, Stopee can help you document your case and identify additional leverage points. Stopee has helped thousands of consumers cancel subscriptions and recover funds when companies try to ignore them.
Key takeaways for your cancellation
Complete Savings is no longer operating, but your cancellation and refund rights remain strong under Singapore consumer law. Cancel immediately using the method most convenient for you-website, email, or phone-and always save confirmation. If the company does not respond or refuses your refund, escalate to CASE or your bank without hesitation.
Keep all documentation for two years. If you see another charge after cancellation, report it as fraud to your financial institution. Your consumer rights protect you, and Stopee is here to help you exercise them with confidence and clarity every step of the way.