Comment Re:I'm confused why you can't just not pay. (Score 1) 77
I did this, accidentally on purpose. Had been an XSport customer, who got purchased by LA Fitness. They closed my XSport club. The card I used for payment was compromised, so I cancelled it with my bank. LA Fitness tried to charge it and of course it failed. They called me up after a month and asked for a new card. I told them I wanted to cancel. They threatened to send it to collections. I told them I wouldn't pay and would dispute. They claimed they needed a token payment to close things down. I agreed to pay 1 cent per account (I had 3 for my family). I got them on recording to commit to charging me that, and they would not charge me further. I specifically recorded them saying there would be no further charges. So of course, one month later they charged me for each account. Called my bank to dispute and they said I had to talk to them again. Called LA Fitness up, read them the riot act and had them reverse the charges. Took them a day to do it, but I finally got it reversed for all 3 accounts. The weird thing is that one of the charges was reversed using the original account number that had been compromised and cancelled. The FTC is right on this. It is way too hard, and their system is so fucked up, they can't even to it right.