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I have good news for you. You can just tell your credit card provider that you tried to cancel, but couldn't. They will just cancel it for you. It's a bit of a strong-arm tactic, but it works.
Whenever you need to cancel a gym, try this. They tell you that you need to come in? Nope, not acceptable or legal.
Getting banned from the gym is easier than cancelling.
Become ungovernable.
Shit on the bench press.
That's the real reason every gym has a naked old guy hanging out in the locker room with his nuts out. At some point, every man will spend decades of his life trying to cancel his gym membership - and having failed all his life, will find himself having become a desperate old man, left with no choice but to flaunt his wrinkly nutsack in the locker room in hopes of them finally kicking him out, thus freeing him from his eternal struggle.
"What do you mean I can't do squats with my penis out!? I thought this was America!!!"
Yeah I think we did ETF or something. I've been out of work for 5 months. Now let me tell you about trying to close an empty bank account so they will stop paying people and charging you fees...
Closing a bank account is as easy as legally possible. They are already highly regulated, and there's a lot of paperwork to protect you from having your account closed without your permission. You can literally go into a bank if you want help. That's not the same thing as a gym at all.
I can't actually walk in. There's no local branches for this particular place. But even if I could, they can't close it while transactions are pending. And if new transactions hit, the account goes negative and then you can't close it until you bring it back positive.
I understand there are fraud concerns on both sides of that coin. But it isn't easy.
Of course you can't close it with pending transactions. Pending transactions can be reversed or changed. It's another legal issue. That's not really a bad thing.
Also, why did you get an account at a bank with no branches? If you want that, you can just get a credit union account.
don't rely on that. I had a medical vendor charge the wrong amount (pre claim) and refuse to reverse the charge and my credit card company (well ex credit card company) refused to as well. because some sort of charge was legit they did not see the wrong amount as any issue.
Yeah turns out wrong amount is somehow not fraud so the credit card doesn't need to help with it. You have to battle it out in civil court instead. Enraging.
I may basically stop using them. that type of protection is the only real reason I do.