Victory Fitness
Yup, I knew that would happen. The bank said they didn't see any failed attempts to take payment from my account so the gym must have been entering something wrong and then it went through when whatever mistake was fixed. The gym says they had to charge me a retry fee of $5 and threatens me with a $3 per month charge to pay cash.
So I try to pay today and refused to pay the $3 fee. They said I had to pay the fee, that the bank took the $5 fee and I must have made changes to my account so they wouldn't go through or didn't have funds in the account. I said that nothing changed on the account and the funds were there. Gym dude said that it was my choice to close my back account but they had to charge the extra $3 dollars. I said it wasn't my choice, it was a major inconvenience I had to put up with because they were stealing money from my account. They said they weren't stealing it, the bank was, because I didn't have enough funds.
So I reiterated to him that the bank said it was their mistake and they said it was the banks mistake, yet I am the one getting stuck with the fees because neither company will take responsibility. And he said it was my responsibility.
So I said fine, I'm not paying anything until I can pay the monthly fee that is in my contract, so how can I go about cancelling. He ignored that question about cancelling and told me it would go to collections. Then he threatened me with my credit score and said "You won't be able to do anything". I replied Are you kidding? If I had credit, if I had enough money to worry about credit or to "do anything" a few bucks wouldn't be such a make or break issue. He absolutely refused to work with me or help me find a solution.