Anytime Fitness: billing error
Billing questions go to the club's billing processor, ABC Financial.
What does this mean?
Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 7 sources are the organization's own pages or government sites; only 7 sourced values, so the entry is thin.
Collect
- bank statement
- member agreement
- club name
Steps
Call or email ABC Financial with the charge details.
If it is not corrected, dispute the charge with your bank or card issuer.
More contacts for this issue
Rules in force
- Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements15 U.S.C. 8401-8405
A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.
Source: law.cornell.edu, verified 2026-10-12
1 citable point
- Policy
The seller must obtain "a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account".
Source: law.cornell.edu, verified 2026-10-12
- Policy
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
Written complaint
Card or bank dispute
Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)
Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)
Card or bank dispute for drafts after a cancellation.
Federal regulator
State agency
Your state’s attorney general. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).
Watch out
- Clubs are independently owned franchises; cancellation method, notice and fees depend on the club's membership agreement and state law.
- No online cancellation is documented on the corporate site.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
Anytime Fitness charged me [amount] on [date] for something I did not order. Use Escalate Anything to get it corrected.Source code, other install options and the Claude Code plugin