A “Fitness Focus” charge on your credit card is almost always a recurring payment tied to a gym membership, physical therapy or Pilates studio, or a fitness app subscription billed by a company using that name. More than one business bills under this descriptor, so an unfamiliar charge does not automatically mean fraud. If you did not authorize it, or you canceled and the billing continued, you can stop it and seek a refund.
Who Bills as “Fitness Focus”
Card statements show the merchant’s billing name, which is capped at roughly 25 characters and often abbreviated or combined with a payment processor.1Forbes. What Is This Charge on My Credit Card Two known businesses that could produce this descriptor:
- Fitness Focus Inc., a physical therapy and Pilates studio at 688 Wildwood Road in Mahtomedi, Minnesota, which processes payments through the MindBody platform. Contact: 651-429-9947.2Fitness Focus. Pay3Fitness Focus. Contact
- Focus Fitness Club, a gym chain with memberships of $39.99 to $59.99 per month plus a $49 annual fee, billed through the Trainerize app platform.4Focus Fitness Club. Membership Plans
The charge may also come from a smaller studio or fitness app using a similar name. To pin down the exact source, open the transaction in your banking app and look for an expanded merchant description, a phone number, or a website. Copying the exact descriptor into a search engine usually surfaces the business behind it. If a family member shares your card or Apple/Google account, ask whether they signed up for a trial that has since converted to a paid subscription.
How to Cancel the Subscription
Where you cancel depends on how you signed up. Deleting an app does not stop the billing.
If You Signed Up Through an App Store
- On Apple devices, open Settings, tap your name, tap Subscriptions, select the subscription, and tap Cancel Subscription.5Apple Support. How to Cancel a Subscription From Apple
- On Android, go to the subscriptions page in Google Play, select the subscription, and tap Cancel subscription.6Google Play Help. Cancel, Pause, or Change a Subscription on Google Play
If You Signed Up Directly With a Studio or Gym
Fitness Focus Inc. in Mahtomedi bills through MindBody, and Focus Fitness Club bills through its own system. Cancellation for direct-billed memberships usually requires contacting the business. Call or email, ask for written confirmation, and save the date, method, and any confirmation number. That paper trail is what you rely on if the charges keep coming.
How to Get a Refund
For an App Store purchase, sign in at reportaproblem.apple.com, select Request a refund, pick a reason, and submit. Apple typically decides within 24 to 48 hours.7Apple Support. Request a Refund for Apps or Content That You Bought From Apple For a Google Play purchase, go to play.google.com, open Payments & subscriptions, find the order, and click Report a problem to request a refund.8Google Play Help. Request a Refund for Google Play Purchases
For a direct-billed studio or gym charge, ask the business for a refund in writing. If you were still being billed after a cancellation, say so and attach any confirmation you have.
Disputing the Charge With Your Bank
If the company refuses to cancel, ignores you, or keeps billing after you cancel, dispute the charge with your card issuer. The FTC says consumers never have to pay for something they did not order, and a chargeback is the appropriate step when a company disregards a cancellation.9Federal Trade Commission. How to Stop Subscriptions You Never Ordered
For debit card charges, the Electronic Fund Transfer Act and Regulation E set timelines that matter. Report an unauthorized electronic debit within two business days and your liability is capped at $50; the institution must investigate and provisionally re-credit your account during the investigation.10Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs Report within 60 days of the statement and liability is capped at $500.11eCFR. Regulation E – Section 1005.6 Wait longer and you can lose those protections entirely.
When you file a dispute, give the issuer the merchant name as it appears, the date and amount, a short description of what happened, and any cancellation confirmation. Ask about issuing a new card number if the merchant has re-billed after prior stop-payment attempts.
Reporting Suspected Fraud
If you believe the charge is fraudulent rather than a subscription you forgot about, report it to the FTC at ReportFraud.ftc.gov and to your state attorney general’s office. Filing a fraud report does not replace the chargeback, but it creates a record if the same merchant is the subject of an enforcement action later.
Why Fitness Charges Are Hard to Stop
Recurring fitness billing is a recognized consumer problem, not bad luck. Free trials that quietly convert into paid annual subscriptions are common, and cancellation flows are frequently harder to navigate than sign-up. Federal regulators have brought cases on exactly this pattern: in August 2025 the FTC sued the operators of LA Fitness and Esporta Fitness, alleging they required in-person cancellations, re-billed consumers who had stopped payments through their banks, and trained employees to deny cancellations by phone or email.12Federal Trade Commission. FTC Sues LA Fitness for Making It Difficult for Consumers to Cancel Gym Memberships The practical takeaway for you: expect friction, put your cancellation request in writing, keep the confirmation, and go to your bank if the charges keep appearing.