A UAB Kilo Grupe charge on your bank or credit card statement comes from Kilo Health, a Lithuanian digital wellness company behind apps such as Keto Cycle, DoFasting, ColonBroom, and about a dozen other health brands.1Kilo. Portfolio – Kilo Most of these charges trace back to a low-cost trial that converted into a recurring subscription, often $15 to $60 per month. “UAB” is simply a Lithuanian business designation similar to “LLC,” so the label itself isn’t a red flag.
Why This Charge Is on Your Statement
Kilo Health’s brands cover weight loss, fasting, fitness, gut health, and hair care, grouped under divisions including Iteractive Labs and GoHealth.1Kilo. Portfolio – Kilo Most people arrive through a social media ad or app store listing, complete a health quiz, and land on a personalized plan.
That plan is usually sold as a trial for somewhere between $1 and $10. Accepting the trial also enrolls you in a recurring subscription, and when the trial ends the full price bills automatically. On your statement it may appear as “Kilo.Health,” “Kilo Grupe,” “KILOHEALTH,” or a similar variant followed by a transaction ID. If you took a quiz weeks or months ago and forgot about it, that is almost certainly the source.
How to Cancel the Subscription
The fastest route depends on where you signed up. If you bought directly on a Kilo Health brand’s website, look for the self-service link in your original confirmation email, or write to the support address on that brand’s site. Each brand handles its own support, so check the receipt for the correct contact.
If you subscribed through the Apple App Store or Google Play, the subscription lives in your device settings, not with the merchant. On an iPhone, open Settings, tap your name, tap Subscriptions, and cancel from there. Google Play uses a similar path through its Subscriptions menu. Cancel at least 24 hours before the next billing date to avoid another cycle.2Apple Support. If You Want to Cancel a Subscription from Apple
You can also ask your bank for a stop payment order, which blocks future charges from a specific merchant. Banks generally need the request at least three business days before the next scheduled payment, and the fee usually runs $15 to $35. A stop payment prevents the next charge but does not cancel your agreement. You could still technically owe for the rest of a committed term, and the company could refer that balance to collections. Treat stop payments as a backup when the merchant refuses to cooperate, not a first step.
Asking the Merchant for a Refund
Before escalating, try the company. Kilo Health’s refund policies vary by brand, but some products offer a refund window of 14 to 30 days from purchase. For physical items like supplements, the stated policy is a refund within 14 days of the cancellation request, back to the original payment method. Your strongest argument is that the recurring nature of the subscription wasn’t clearly disclosed at signup. Pull together your confirmation email, any checkout screenshots you have, and the date you noticed the charge.
If the company denies you, get that denial in writing. It becomes useful evidence if you move to a bank dispute.
Disputing the Charge With Your Bank
Your rights differ significantly depending on whether the charge hit a credit card or a debit card. The law, the deadlines, and your financial exposure are not the same.
Credit Card Disputes
Credit card billing disputes fall under the Fair Credit Billing Act. You have 60 days from the date your card issuer sends the statement containing the charge to submit a written dispute.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The clock starts when the statement is transmitted, not when you happen to see the charge.
Your written notice must include your name, account number, the disputed amount, the charge date, and why you believe it’s an error.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Send it to the billing error address on your statement, not the general customer service address. Most issuers also accept disputes through their app or site, which is faster and still starts the same legal process.
Once your issuer receives the notice, it must acknowledge within 30 days and resolve the investigation within two billing cycles, capped at 90 days.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors During that window, the issuer cannot try to collect the disputed amount or report it delinquent. The money stays off your bill while things play out.
Debit Card Disputes
Debit card disputes fall under the Electronic Fund Transfer Act and Regulation E. You still have 60 days from the date the statement showing the charge was sent to report the error.4Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors Unlike credit cards, you can notify your bank orally or in writing, though the bank may require written confirmation within 10 business days of a phone call.5Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution
The bigger difference is liability. The money is already out of your checking account, and your exposure depends on how quickly you report the problem:
- Within 2 business days of learning about the charge, your liability caps at $50.
- Between 2 and 60 days, liability can reach up to $500.
- After 60 days, you could be liable for the full amount of any unauthorized transfers that occur after that window.6Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
After receiving your notice, the bank has 10 business days to investigate. If it needs more time, it can take up to 45 days, but must provisionally credit your account within the first 10 days so the funds are available while the investigation runs.5Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution Your bank cannot require you to dispute the charge with the merchant first.7Consumer Compliance Outlook. Error Resolution Procedures Under the Electronic Fund Transfer Act and Regulation E
What to Gather Before You Dispute
Stronger documentation usually means a faster resolution. Pull these together before contacting your bank:
- The original confirmation email, which usually contains the order ID, purchase date, and price you agreed to.
- Screenshots of the checkout page, if you have them. Pages that don’t clearly show recurring billing are especially valuable. Include the URL and date in the screenshot.
- Your cancellation request and any response from the company. If you emailed and were ignored or denied, save the thread.
- The brand’s terms and conditions, particularly the sections on cancellation windows and refund eligibility.
The law only requires your name, account number, the disputed amount, the charge date, and your reason for disputing.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors But attaching evidence that you tried to cancel and were stonewalled strengthens the case.
Federal Protections Behind Your Argument
The Restore Online Shoppers’ Confidence Act makes it illegal to charge a consumer through a negative option feature, where silence equals consent to pay, unless the seller clearly discloses all material terms before collecting billing information, gets express informed consent, and provides a simple way to stop future charges.8Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Feature If the subscription terms were buried in fine print or cancellation was made unreasonably difficult, that law may have been violated.
The FTC also enforces subscription practices under Section 5 of the FTC Act, which prohibits unfair or deceptive practices. The agency has identified four core requirements: clear disclosure of material terms, affirmative consent before billing, easy cancellation, and no billing without authorization.9Federal Trade Commission. Enforcement Policy Statement Regarding Negative Option Marketing Roughly 30 states also have their own automatic-renewal laws, some stricter than federal standards, so your specific protections depend partly on where you live. You can also report deceptive billing at reportfraud.ftc.gov; the agency doesn’t resolve individual cases but uses reports to build enforcement patterns.10Federal Trade Commission. ReportFraud.ftc.gov
Don’t Just Stop Paying
If you cancel your card or simply walk away without formally canceling the subscription, the company may treat the remaining balance as a debt. Digital service providers do refer unpaid subscription balances to collections, especially on multi-month plans someone abandoned partway through. A collections account can drag down your credit score for years.
Cancel through the merchant’s process first, then dispute any charges you believe were unauthorized or deceptive. That way the agreement is terminated on the record, and the company has a much harder time claiming you still owe. If a collector does contact you about a Kilo Health balance you don’t believe you owe, you have the right to request written verification of the debt before paying anything.