{"id":"crunch-fitness","page":"https://escalate.alexgaoth.com/#/c/crunch-fitness","html":"https://escalate.alexgaoth.com/c/crunch-fitness/","generated":"2026-10-15","company":{"id":"crunch-fitness","name":"Crunch Fitness","aliases":["crunch gym","crunch signature","crunch holdings"],"sector":"fitness","parent":"Crunch Holdings, LLC","website":"https://www.crunch.com","official_domains":["crunch.com"],"regulators":["ftc"],"notes":"Many Crunch clubs are independently owned franchises; \"Each location manages operations independently.\" Cancellation methods and notice vary by club and state.","channels":[{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"club-contact-form","type":"web_form","label":"Crunch home club contact form","value":"https://crunchfitnesscontactus.smg.com/","purposes":["cancel_service","billing_error","poor_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"corporate-phone","type":"phone","label":"Crunch corporate","value":"+1-844-927-8624","purposes":["poor_service","cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"corporate-mail","type":"mail","label":"Crunch corporate mailing address","value":"Crunch, LLC, PO Box 481, Elmsford, NY 10523","purposes":["cancel_service","poor_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}],"escalation":[{"rung":"frontline","channel":"home-club"},{"rung":"written_complaint","channel":"member-services-email"},{"rung":"payment_dispute","note":"Card or bank dispute for drafts after a cancellation."},{"rung":"regulator","regulator":"ftc"},{"rung":"state_agency","agency_kind":"attorney_general"}],"playbooks":[{"issue":"cancel_service","summary":"Cancel online in the Member Portal if your club offers it; otherwise contact the home club by phone or in person. Check the notice period in your membership agreement.","evidence":["membership agreement","cancellation confirmation","next billing date","bank statement"],"steps":[{"do":"Check the membership agreement for the notice period before the next billing date."},{"do":"If your club offers it, cancel in the Member Portal under Manage Membership."},{"do":"Otherwise contact your home club by phone or in person, and ask for written confirmation.","channel":"home-club"},{"do":"If the club does not process it, email Member Services and write to Crunch corporate with your membership details.","channel":"member-services-email"}],"facts":[{"kind":"process","claim":"\"Some clubs offer online cancellation through your Member Portal under Manage Membership.\" Otherwise contact your club directly. \"Cancellation policies vary by location based on state and local guidelines.\"","issues":["cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"kind":"deadline","claim":"\"The required cancellation notice prior to your next billing date may vary.\" A month-to-month membership \"will continue until you request cancellation.\"","issues":["cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"kind":"policy","claim":"Crunch Signature: after cancelling, \"your last day with Crunch access will be the last day of the following month of your membership.\"","issues":["cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}]},{"issue":"refund_request","summary":"Crunch refunds membership only if you cancel within the first few days, with proof of the initial request.","evidence":["join date","proof of the cancellation request"],"steps":[{"do":"Ask the home club for the refund and give proof of the first cancellation request.","channel":"home-club"}],"facts":[{"kind":"policy","claim":"\"The only valid reason for a refund is if you cancel within the first few days of having your membership.\" You will be asked \"to provide proof of the initial request.\"","issues":["refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}]}],"facts":[{"kind":"fee","claim":"Annual fee: \"The annual fee varies depending on your home club, up to $89.\" Crunch Signature: \"$89+tax,\" charged three months after you first join and every year.","issues":["bill_increase","billing_error"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"kind":"fee","claim":"\"If you cancel a reservation within 2 hours of class start time, you will be charged a fee.\" Late cancellation and missed reservation fees vary by location.","issues":["billing_error"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Crunch \"shall notify a member at least ten (10) days before each late cancel fee or no-show fee is deducted\" from the payment account (Terms of Use, section 26).","issues":["billing_error"],"source":"https://www.crunch.com/terms-of-use","last_verified":"2026-10-12"}],"known_blockers":["Online cancellation is available only at some clubs; others require phone or in-person contact with the home club.","Franchise clubs set their own procedures within state law."]},"playbooks":{"cancel_service":{"company":{"id":"crunch-fitness","name":"Crunch Fitness","sector":"fitness","website":"https://www.crunch.com","account_url":null},"issue":{"id":"cancel_service","name":"Cancellation problem"},"playbook_source":"company","summary":"Cancel online in the Member Portal if your club offers it; otherwise contact the home club by phone or in person. Check the notice period in your membership agreement.","evidence":["membership agreement","cancellation confirmation","next billing date","bank statement"],"steps":[{"do":"Check the membership agreement for the notice period before the next billing date."},{"do":"If your club offers it, cancel in the Member Portal under Manage Membership."},{"do":"Otherwise contact your home club by phone or in person, and ask for written confirmation.","channel":{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"do":"If the club does not process it, email Member Services and write to Crunch corporate with your membership details.","channel":{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}}],"channels":[{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"club-contact-form","type":"web_form","label":"Crunch home club contact form","value":"https://crunchfitnesscontactus.smg.com/","purposes":["cancel_service","billing_error","poor_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"corporate-phone","type":"phone","label":"Crunch corporate","value":"+1-844-927-8624","purposes":["poor_service","cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"corporate-mail","type":"mail","label":"Crunch corporate mailing address","value":"Crunch, LLC, PO Box 481, Elmsford, NY 10523","purposes":["cancel_service","poor_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"\"Some clubs offer online cancellation through your Member Portal under Manage Membership.\" Otherwise contact your club directly. \"Cancellation policies vary by location based on state and local guidelines.\"","issues":["cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"kind":"deadline","claim":"\"The required cancellation notice prior to your next billing date may vary.\" A month-to-month membership \"will continue until you request cancellation.\"","issues":["cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"kind":"policy","claim":"Crunch Signature: after cancelling, \"your last day with Crunch access will be the last day of the following month of your membership.\"","issues":["cancel_service"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}],"rules":{"in_force":[{"id":"rosca-negative-option","title":"Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements","citation":"15 U.S.C. 8401-8405","jurisdiction":"us-federal","status":"in_effect","summary":"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":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12","points_omitted":2,"points":[{"kind":"policy","claim":"Before obtaining the consumer's billing information, the seller must provide text that \"clearly and conspicuously discloses all material terms of the transaction\".","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"The seller must provide \"simple mechanisms for a consumer to stop recurring charges\" on the consumer's credit card, debit card, bank account or other financial account.","issues":["cancel_service"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"process","claim":"A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8404","last_verified":"2026-10-12"}]}],"not_in_force":[{"id":"ftc-click-to-cancel","title":"FTC \"Click-to-Cancel\" amendments to the Negative Option Rule (2024)","citation":"16 CFR part 425 (2024 amendments, published November 15, 2024)","jurisdiction":"us-federal","status":"vacated","summary":"The FTC's 2024 amendments to the Negative Option Rule (\"click-to-cancel\") were vacated in full by the U.S. Court of Appeals for the Eighth Circuit on July 8, 2025, and never took effect. Do not cite them. For online subscriptions, cite ROSCA (rules/rosca-negative-option) and applicable state automatic renewal laws instead.","source":"https://ecf.ca8.uscourts.gov/opndir/25/07/243137P.pdf","last_verified":"2026-10-12","status_note":"Vacated in full by the Eighth Circuit on July 8, 2025 (Custom Communications, Inc. v. FTC, 142 F.4th 1060). The FTC removed the 2024 text effective February 12, 2026 and restored the pre-2024 prenotification rule. A new rulemaking is only at the ANPRM stage (March 13, 2026), with no proposed text as of 2026-10-12. What remains in force: ROSCA (rules/rosca-negative-option), Section 5 of the FTC Act, and state automatic renewal laws (for example rules/ca-automatic-renewal-law, rules/ny-automatic-renewal-law).","do_not_cite":"This rule is not in force. Do not cite it as current law."}]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"index":1,"rung":"written_complaint","channel":{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"index":2,"rung":"payment_dispute","note":"Card or bank dispute for drafts after a cancellation.","rules":["fcba-billing-error","efta-reg-e"]},{"index":3,"rung":"regulator","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"index":4,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Online cancellation is available only at some clubs; others require phone or in-person contact with the home club.","Franchise clubs set their own procedures within state law."],"security":{"official_domains":["crunch.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":12},"verified_from":{"page":12},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 12 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Many Crunch clubs are independently owned franchises; \"Each location manages operations independently.\" Cancellation methods and notice vary by club and state.","warnings":[]},"refund_request":{"company":{"id":"crunch-fitness","name":"Crunch Fitness","sector":"fitness","website":"https://www.crunch.com","account_url":null},"issue":{"id":"refund_request","name":"Refund request"},"playbook_source":"company","summary":"Crunch refunds membership only if you cancel within the first few days, with proof of the initial request.","evidence":["join date","proof of the cancellation request"],"steps":[{"do":"Ask the home club for the refund and give proof of the first cancellation request.","channel":{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}}],"channels":[{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"},{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}],"facts":[{"kind":"policy","claim":"\"The only valid reason for a refund is if you cancel within the first few days of having your membership.\" You will be asked \"to provide proof of the initial request.\"","issues":["refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"index":1,"rung":"written_complaint","channel":{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"index":2,"rung":"payment_dispute","note":"Card or bank dispute for drafts after a cancellation.","rules":["fcba-billing-error","efta-reg-e"]},{"index":3,"rung":"regulator","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"index":4,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Online cancellation is available only at some clubs; others require phone or in-person contact with the home club.","Franchise clubs set their own procedures within state law."],"security":{"official_domains":["crunch.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":12},"verified_from":{"page":12},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 12 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Many Crunch clubs are independently owned franchises; \"Each location manages operations independently.\" Cancellation methods and notice vary by club and state.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","channel":{"id":"home-club","type":"in_person","label":"Contact your home club (phone or in person) via the locations page","value":"https://www.crunch.com/locations","purposes":["cancel_service","billing_error","refund_request"],"notes":"Crunch says to contact your club directly if online cancellation is not offered.","source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"index":1,"rung":"written_complaint","channel":{"id":"member-services-email","type":"email","label":"Crunch Member Services","value":"icrunch@crunch.com","purposes":["billing_error","cancel_service","refund_request"],"source":"https://www.crunch.com/faq","last_verified":"2026-10-12"}},{"index":2,"rung":"payment_dispute","note":"Card or bank dispute for drafts after a cancellation.","rules":["fcba-billing-error","efta-reg-e"]},{"index":3,"rung":"regulator","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"index":4,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."}],"security":{"official_domains":["crunch.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":12},"verified_from":{"page":12},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 12 sources are the organization's own pages or government sites.","dossier_last_verified":null},"dossier":null,"guide":{"key":"fitness","title":"Gyms and fitness memberships — how complaints work","last_verified":"2026-10-12","file":"guides/fitness.md","page":"https://escalate.alexgaoth.com/#/guides/fitness"}}