A charge reading “ZIGU MX FITNESS XR” or “ZIGU MX*FITNESS XR” on your bank or credit card statement is an unauthorized billing descriptor that multiple consumers have reported as fraudulent, not a fitness subscription you can call and cancel. No identifiable company stands behind the ZIGU MX Fitness XR charge, and reports to the BBB list every contact field — website, phone, email, address — as unknown. If you see it, contact your bank or card issuer right away to dispute the charge and ask for a new card number so it can’t be billed again.
How to Recognize the Charge
The full descriptor usually reads “ZIGU MX FITNESS XR SAN PADRO GAR MX” or “ZIGU MX*FITNESS XR.” The “SAN PADRO GAR MX” tail points to San Pedro Garza García in the Monterrey metropolitan area of Mexico, which suggests the charge is being routed through a Mexican payment processor.1BBB. BBB Scam Tracker Report, Scam ID 1016432
Amounts vary. Some consumers have reported a single charge of $22.99. Others have seen the descriptor hit their card repeatedly at $19.99 a time — one BBB report described five such charges totaling $100 before the consumer replaced the card.2BBB. BBB Scam Tracker Report, Scam ID 1104971 A separate report from a consumer in Alberta described an attempted charge that was blocked because the card account was already locked.3BBB. BBB Scam Tracker Lookup Results
The word “FITNESS” in the descriptor is misleading. No known fitness company has claimed the billing, and consumers who have looked into it consistently report that the entity has no working website, email, or phone number. The BBB classified at least one report as phishing, meaning the card details were likely obtained through a deceptive channel rather than a real signup.2BBB. BBB Scam Tracker Report, Scam ID 1104971
Disputing a Credit Card Charge
Credit card charges are covered by the Fair Credit Billing Act, which caps your liability for unauthorized use at $50. Many issuers waive even that with zero-liability policies.4FTC. Using Credit Cards and Disputing Charges
Call the number on the back of your card first. That gets the charge flagged, freezes the card, and starts a replacement in the mail. Then follow up in writing: send a dispute letter to your issuer’s billing inquiries address within 60 days of the statement date that showed the charge, and send it by certified mail. Include your name, account number, and a description of the charge you’re disputing. The written notice is what triggers the full protections of federal law.5CFPB. How Do I Dispute a Charge on My Credit Card Bill
Once your issuer receives the notice, it has 30 days to acknowledge the dispute in writing and up to two billing cycles (90 days maximum) to resolve it. While the investigation runs, you don’t pay the disputed amount, and the issuer can’t report it delinquent or send it to collections.6CFPB. Regulation Z, Section 1026.13 – Billing Error Resolution
Disputing a Debit Card Charge
If the charge hit a debit card or bank account, the Electronic Fund Transfer Act applies instead. Timing matters more here than with credit cards. Notify your bank within two business days of learning about the charge and your liability is capped at $50. Wait longer than two business days but report within 60 days of the statement, and your liability can climb to $500. Wait past 60 days and you can lose the full amount of any further unauthorized transfers.7Cornell Law Institute. 15 U.S. Code Section 1693g – Consumer Liability
Your bank cannot make you contact the merchant first before opening an investigation, and it cannot demand a police report before it will start looking. Regulators have specifically flagged those practices as violations.8CFPB. Electronic Fund Transfers FAQs Which matters here, because there is no merchant you can reach.
Stopping It From Happening Again
The usual advice to call the company and cancel doesn’t work in this situation. Nobody answers. The reliable step is a new card number, which you can request from your issuer at the same time you report the charge. The old number stops working, and any recurring attempt against it fails.
If the charges are hitting your bank account as ACH debits rather than card transactions, the CFPB advises contacting your bank to revoke authorization for the specific company and asking for a stop payment order to block future debits. Banks often charge a fee for stop payment orders, so ask what it costs before you request one. Put anything you say by phone into writing afterward, and keep copies.9CFPB. How Do I Stop Automatic Payments From My Bank Account
Where to Report the Charge
After you’ve disputed the charge with your bank, reporting it to regulators helps them track the pattern and can lead to enforcement.
- Federal Trade Commission at ReportFraud.ftc.gov. The FTC uses complaint data to identify widespread schemes and has brought cases against companies running unauthorized subscription billing.10FTC. How to Stop Subscriptions You Never Ordered
- Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372. The CFPB can step in when a bank or payment processor fails to properly resolve a dispute.9CFPB. How Do I Stop Automatic Payments From My Bank Account
- Your state attorney general’s consumer protection division. The National Association of Attorneys General keeps a directory linking to each state’s complaint portal.11NAAG. Consumer File a Complaint
- BBB Scam Tracker. Filing there adds to the public record other consumers use to identify the same charge.