A “Fitness Pro” charge on a credit card is almost always a $12.49 recurring monthly subscription billed by Challenge Body Mind, a company based in Albuquerque, New Mexico. It usually lands on your statement after you buy keto gummies or another diet supplement online and get enrolled, often without realizing it, in a 30-day free trial of a digital e-book library that converts to paid monthly billing. If you don’t recognize the charge, the fastest way to stop it and recover your money is to dispute it with your bank or card issuer.1Better Business Bureau. Challenge Body Mind BBB Complaints
What the Charge Is
Challenge Body Mind runs a digital e-book subscription service. In its own responses to Better Business Bureau complaints, the company says customers who buy supplements from its “partner” websites are automatically enrolled in a 30-day free trial of a “Challenge Body Mind E-Book” library. After the trial, the subscription converts to $12.49 per month and renews automatically.1Better Business Bureau. Challenge Body Mind BBB Complaints
The billing descriptor changes. Consumers have reported seeing the same charge labeled “FitPro,” “Fitness Goal Pro,” “Premium Keto Blast,” “Life Style Brands,” and “buyserumskinessentialsnow,” among other names.2Better Business Bureau. Challenge Body Mind BBB Complaints – Page 2 Nothing on the statement obviously connects the line item to the supplement purchase that triggered it, which is part of why so many people don’t catch it for months.
The company says it emails login credentials for the e-book library at the time of the original supplement order. Most people who complain say no such email ever arrived and they had no idea they had signed up for anything beyond the product they thought they bought. Challenge Body Mind is not accredited by the BBB, which shows 82 complaints filed against it in the most recent three-year window, 75 of them classified as billing issues.1Better Business Bureau. Challenge Body Mind BBB Complaints
Why Contacting the Company Usually Doesn’t Work
One consumer who called the number associated with the charge, 888-447-9013, reported hearing only a recorded message saying “Thank you for your support,” with no way to reach a live person. On later attempts, the number wouldn’t connect at all.3Better Business Bureau. BBB Scam Tracker – Scam ID 877560 When Challenge Body Mind does respond to formal complaints, it typically offers a “one-time courtesy” refund covering three to five months of charges and points to the terms and conditions of the original supplement sale as authorization for the subscription.2Better Business Bureau. Challenge Body Mind BBB Complaints – Page 2 Because direct contact is unreliable, your card issuer or bank is the more effective place to start.
How to Dispute the Charge on a Credit Card
If the charge hit a credit card, the Fair Credit Billing Act protects you. Federal law caps your liability for unauthorized charges at $50, and many issuers offer zero-liability policies beyond that.4FTC. Using Credit Cards and Disputing Charges To preserve your full rights, send a written dispute to the card issuer’s billing-inquiry address within 60 days of the statement that included the charge. Include your name, account number, the charge amount and date, and an explanation of why you consider it unauthorized. Send it by certified mail with a return receipt.5Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
Once the issuer receives your letter, it has 30 days to acknowledge the dispute and must resolve it within 90 days, or two billing cycles. During the investigation you don’t have to pay the disputed amount, and the issuer cannot report it as delinquent or send it to collections.6Fairfax County. Credit Cards – Understanding the Fair Credit Billing Act
How to Dispute the Charge on a Debit Card
Debit card transactions fall under Regulation E instead of the Fair Credit Billing Act. The protections are meaningful but the deadlines are tighter. Notify your bank within two business days of discovering the unauthorized transfer and your liability is capped at $50. Wait longer than two days but report within 60 days of the statement, and you could be liable for up to $500. After 60 days, you risk unlimited liability for transfers the bank can show would have been prevented by earlier notice.7Consumer Financial Protection Bureau. Regulation E – Section 1005.6 Your bank must investigate within 10 business days, and if it needs more time it must provisionally credit your account while the investigation continues.8Consumer Financial Protection Bureau. Regulation E – Section 1005.11
How to Stop Future Charges
Even after a successful dispute, the subscription may try to bill you again. Ask your bank or card issuer to block the merchant from charging your account going forward. If the issuer can’t set up a merchant-specific block, request a new card number. That severs the billing relationship entirely and is the most reliable fix. Keep any confirmation of cancellation or of the block in case you need to prove you acted.
Where to File Complaints
Disputing the charge with your bank addresses your money. Filing complaints with regulators helps build a record that can support enforcement action.
- Federal Trade Commission: report at ReportFraud.ftc.gov or call 877-382-4357. The FTC doesn’t resolve individual cases, but reports feed the Consumer Sentinel database used by more than 2,000 law enforcement agencies.9FTC. ReportFraud.ftc.gov FAQ
- Consumer Financial Protection Bureau: file at consumerfinance.gov/complaint or call 855-411-2372. The CFPB forwards complaints to the company, which generally must respond within 15 days.10Consumer Financial Protection Bureau. Submit a Complaint
- State attorney general: find your state’s office through the National Association of Attorneys General directory. State offices can mediate individual disputes and may investigate patterns.
Why the Charge Is Hard to Track
The Fitness Pro charge sits inside a well-documented category of online supplement subscription traps. Ads, often using fake celebrity endorsements or fabricated “Shark Tank” appearances, promote keto gummies or diet pills at a low introductory price.11Snopes. Shark Tank Keto Gummies Weight Loss Reviews Entering payment information quietly enrolls the buyer in one or more recurring digital-product subscriptions.12AARP. Keto Diet Pill Scams The operators tend to use multiple brand names and rotate billing descriptors, which is why the same $12.49 line item can show up under half a dozen different labels. Knowing that the charges trace back to Challenge Body Mind gives you a fixed name to reference in your written dispute and in any complaint you file, no matter what descriptor your statement shows.