I had a similar thing happen to me. I disputed the charge via Credit Karma, explaining that the service never worked so I never paid. It was removed within a few days.
I just no longer rely on credit or use credit cards anymore. I buy everything with cash.
Funny enough my bank is constantly calling me that they can lend me money.
Our modern Credit/interest/rent system is parasitic at best. In some cultures, it is deemed immoral and outright banned. However I don't know what the alternative is. Who would lend money without any expectation of return? Who would buy bonds if they cannot sell it for a higher price?