Step-by-step process to dispute subscription charges you didn't authorize, including chargebacks, FCBA rights, and when to involve your bank. This guide applies specifically to Crunch Fitness ($10-$30/mo) subscribers in West Palm Beach, Florida. Florida's Automatic Renewal Law protects you.
Florida's Automatic Renewal Law (Fla. Stat. § 501.165) gives West Palm Beach residents specific protections when dealing with Crunch Fitness:
Penalties: Unfair trade practice — AG enforcement and private right of action
Applied to Crunch Fitness (In-person or certified mail) for West Palm Beach residents
Identify the charge source
Find the exact merchant name on your statement. Subscription companies often bill under different names (e.g., 'AMZN Digital' for Amazon Prime). Search the billing descriptor online if unfamiliar.
Contact the company first
Call or email the subscription company and state you are disputing the charge. Get their response in writing. Many will refund rather than face a chargeback, which costs them $20–50 in fees.
File a chargeback with your card issuer
Call the number on the back of your card. Say: 'I want to dispute a recurring charge under the Fair Credit Billing Act. The charge was unauthorized / continued after cancellation.' They are required to investigate.
Submit your evidence
Provide your cancellation confirmation, the unauthorized charge dates, and any communication from the company. The card issuer will request a response from the merchant.
Request merchant blocking
Ask your card issuer to add the merchant to a block list. This prevents future charges from that specific merchant ID, even if they try to re-bill.
Method: In-person or certified mail · Difficulty: hard
Crunch Fitness-specific tips
Annual fee non-refundable.
Under Fla. Stat. § 501.165, West Palm Beach residents may be entitled to a full refund if Crunch Fitness didn't properly disclose auto-renewal terms.
SubScrub auto-cites Fla. Stat. § 501.165 for West Palm Beach residents