FTC Click-to-Cancel Rule: Your Rights Explained: 24 Hour Fitness in New Jersey

FTC Click-to-Cancel Rule: Your Rights Explained

Applied to 24 Hour Fitness (In-person, mail, or online) in New Jersey

1. 1

   Understand what the rule requires

   The FTC Click-to-Cancel Rule (16 CFR Part 425, effective 2024) requires: (1) clear disclosure of all terms before signup, (2) cancellation must be as easy as signup, (3) no dark patterns to obstruct cancellation.

   New Jersey note: N.J. Stat. § 56:12-16 requires 24 Hour Fitness to provide an easy cancellation mechanism.

2. 2

   Document the violation

   Screenshot the cancellation flow. If you signed up with a single click but cancellation requires a phone call or in-person visit, that's a violation. Screenshot the difficult steps as evidence.

3. 3

   Send a written demand citing the Rule

   Write to the company: 'Under 16 CFR Part 425 (FTC Click-to-Cancel Rule), you are required to provide a cancellation mechanism as simple as your signup process. I am demanding immediate cancellation and confirming this in writing.'

4. 4

   File an FTC complaint

   Go to reportfraud.ftc.gov. Select 'Online Shopping' or 'Subscriptions'. Submit screenshots of the violation. The FTC uses these to build enforcement cases.

5. 5

   File a state AG complaint

   Your state Attorney General can act on FTC Rule violations under state consumer protection laws. Many states have dedicated consumer protection units. File a complaint at your state AG's website.