How to recover money after canceling a subscription, including partial-month refunds, post-cancellation charges, and trial-to-paid conversions. This guide applies specifically to Crunch Fitness ($10-$30/mo) subscribers in Naperville, Illinois. Illinois's Automatic Contract Renewal Act protects you.
Illinois's Automatic Contract Renewal Act (815 ILCS 601) gives Naperville residents specific protections when dealing with Crunch Fitness:
Penalties: Renewal is void if notice requirements not met
Applied to Crunch Fitness (In-person or certified mail) for Naperville residents
Request a refund within 24–72 hours
Contact the company immediately by phone or email. State: 'I canceled on [date] and was charged [amount]. I am requesting a full refund under your refund policy.' Many companies have a grace period.
Cite ROSCA if the trial auto-converted
The Restore Online Shoppers' Confidence Act (15 USC § 8403) requires clear disclosure before a trial converts. If terms weren't clearly disclosed, the charge is legally questionable.
Escalate to a supervisor
If the first agent denies your refund, ask for a supervisor. Supervisors have more discretion. Be polite but firm — state you are prepared to file a chargeback.
File a chargeback if denied
Call your credit card issuer. Say: 'I want to dispute a charge from [company]. I canceled the service and they continued to charge me / the trial terms were not clearly disclosed.' Provide your cancellation documentation.
File an FTC complaint
Go to reportfraud.ftc.gov and report the company. The FTC uses these complaints to prioritize enforcement. Companies with many complaints face investigation.
Method: In-person or certified mail · Difficulty: hard
Crunch Fitness-specific tips
Annual fee non-refundable.
Under 815 ILCS 601, Naperville residents may be entitled to a full refund if Crunch Fitness didn't properly disclose auto-renewal terms.
SubScrub auto-cites 815 ILCS 601 for Naperville residents