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 Snap Fitness ($35-$50/mo) subscribers in New York, citing applicable state and federal law.
New York's Auto-Renewal Law (N.Y. Gen. Bus. Law § 527) gives you specific protections when dealing with Snap Fitness subscriptions:
Penalties: Violations subject to AG enforcement and consumer private action
Applied to Snap Fitness (In-person or certified mail) in New York
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.
New York note: N.Y. Gen. Bus. Law § 527 requires Snap Fitness to provide an easy cancellation mechanism.
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
Snap Fitness-specific tips
Depends on contract terms.
Under N.Y. Gen. Bus. Law § 527, you may be entitled to a full refund if Snap Fitness didn't properly disclose auto-renewal terms at signup.
These apply to Snap Fitness in every state, including New York:
SubScrub auto-cites N.Y. Gen. Bus. Law § 527 + sends legally-backed letters