Automated Consumer Dispute Resolution

1. FORENSIC AUDIT SUMMARY

• Disputed Amount: $240.00 USD (two unauthorized charges of $120.00 each)

Target Corporate Entity: IronCore Fitness Gym (Los Angeles, CA) — billing descriptor "IRONCORE FITNESS LOS ANGELES CA"

• Chronology of Infraction:
  • 08/10/2026 — Consumer submits cancellation request by email to support@ironcorefitness.com

08/10/2026 — Merchant confirms in writing: "We have received your cancellation request and will process it shortly."

• 08/15/2026 — Merchant charges consumer's Visa card $120.00 despite confirmed cancellation
• 09/15/2026 — Merchant charges a second, subsequent $120.00 recurring charge

Post-charge call — Merchant representative (manager) retroactively asserts an undisclosed in-person/physical-form cancellation requirement not presented at sign-up

• Identified Violations:

California Automatic Renewal Law (ARL), Cal. Bus. & Prof. Code § 17600 et seq. — requires that cancellation be available through a method at least as easy as the sign-up method, and that renewal/cancellation terms be clearly disclosed at the time of sign-up. Imposing an undisclosed in-person/paper-form requirement after the fact, and after cancellation was already confirmed in writing, is a direct violation.

Fair Credit Billing Act (FCBA), 15 U.S.C. § 1666 (if the Visa card is a credit card) — billing error dispute rights for a charge not authorized following written cancellation confirmation.

• Regulation E / EFTA (if the Visa card is a debit card) — unauthorized electronic fund transfer dispute rights.
• Written confirmation of cancellation directly contradicts the merchant's subsequent billing conduct, establishing a documentary record of bad faith.

2. PRIMARY ADVOCACY ARTIFACT

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Formal Demand for Refund and Cessation of Unauthorized Billing

To: IronCore Fitness Gym, Billing & Membership Department
From: [Account Holder — Visa card ending in cardholder's records]
Date: August 31, 2026
Re: Unauthorized Charges Totaling $240.00 — Immediate Refund Demand

This letter serves as formal notice of two unauthorized charges to my Visa card, made after IronCore Fitness Gym confirmed in writing that my membership cancellation had been received and would be processed.

Facts:
On August 10, 2026, I submitted a cancellation request for my month-to-month membership via email. IronCore Fitness Gym's own support account, support@ironcorefitness.com, responded the same day: "We have received your cancellation request and will process it shortly." Notwithstanding this written confirmation, IronCore Fitness Gym charged my card $120.00 on August 15, 2026, and a further $120.00 on September 15, 2026 — a total of $240.00 in charges made after cancellation was confirmed.

When I contacted IronCore Fitness Gym by phone to dispute these charges, a manager stated that cancellation required submission of a physical form in person, a requirement that was never disclosed at the time of sign-up and that directly contradicts the written cancellation confirmation I had already received.

Legal Basis:
This conduct violates the California Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.), which requires that cancellation mechanisms be at least as easy as the sign-up process and that all material terms be clearly disclosed at enrollment. Retroactively imposing an undisclosed in-person cancellation requirement, after a written confirmation of cancellation was already issued, constitutes a clear breach of this statute. Depending on the card type, this may also constitute a billing error under the Fair Credit Billing Act (15 U.S.C. § 1666) or an unauthorized electronic fund transfer under Regulation E.

Demand:
I demand a full refund of $240.00 to my Visa card within fourteen (14) business days of receipt of this letter, along with written confirmation that my membership is terminated effective August 10, 2026, and that no further charges will be made.

Failure to resolve this matter within the stated timeframe will result in a formal chargeback dispute filed with my card issuer (Visa Reason Code 13.2 — Cancelled Recurring Transaction), as well as complaints filed with the California Attorney General's Office, the California Department of Consumer Affairs, and, if applicable, the Consumer Financial Protection Bureau.

Please direct your response to the contact information on file.

Sincerely,
[Account Holder]

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3. REGULATORY ESCALATION PLAN

Card Issuer Chargeback (immediate, parallel action): Contact the Visa card issuer to file a dispute for both the $120.00 (08/15/2026) and $120.00 (09/15/2026) charges. Cite

Visa Reason Code 13.2 (Cancelled Recurring Transaction). Attach: the August 10, 2026 cancellation confirmation email, the bank statement lines showing both charges, and a summary of the phone call where the undisclosed in-person requirement was raised.
2.

California Attorney General — Public Inquiry Unit: File a consumer complaint at oag.ca.gov citing the Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.). Attach the same documentary evidence and the demand letter above.
3.

California Department of Consumer Affairs (DCA): Submit a parallel complaint, as DCA tracks automatic-renewal violation patterns across gyms and subscription merchants and can add regulatory pressure independent of the AG's office.
4. CFPB (if the Visa card is a credit card, or if this becomes a debit/EFTA dispute the issuer won't resolve): File at consumerfinance.gov/complaint, selecting "credit card" or "checking/savings account" billing dispute category, and attach the same evidence packet.
5.

Follow-up trigger: If no refund is issued within 14 business days of the demand letter, escalate all three regulatory filings simultaneously and reference the chargeback case number in each.