Can a Gym Keep Charging You After You Cancel?
You cancelled. The charges kept coming. Now you're wondering if it's even legal.
Short answer: once you've properly cancelled, continued charges are usually not legal — and several states treat it as a consumer-protection violation.
"Properly cancelled" is the magic phrase. A written cancellation with proof of delivery is what makes the charges stop being your problem and start being theirs.
Step 1 — Make the cancellation airtight
If you only called, do it again in writing. Our cancellation letter cites your state law and sets a clear notice date. That date is what your bank and your state AG will care about.
Step 2 — Dispute the charges
For any charge dated after your written notice, file a dispute with your bank or card issuer as "services cancelled." Attach your letter and delivery proof.
Step 3 — Demand a refund under your state law
Many state health-club laws require a refund of the unused balance. Your letter already demands it; if they refuse, escalate.
Step 4 — Report it
Repeat unauthorized charges after a valid cancellation are worth a complaint to your state Attorney General and the CFPB. Chains move fast once a regulator is cc'd.
Keep everything: your letter, the delivery receipt, statements showing the charges. That paper trail is your leverage.