Charged After Cancelling Personal Training: What to Do

If you were charged after cancelling personal training, treat it as a documentation problem first: collect proof that you cancelled and when, demand a written reversal, then escalate to your card issuer and the Indiana Attorney General if the charge stands. Most of these cases resolve at the first step, and a free consultation with any new coach is a good moment to ask how their own billing and cancellation records work.

Gather the evidence in one sitting

Spend twenty minutes building a single folder before you contact anyone:

• The signed agreement and any payment authorization.
• Your cancellation message, with the sent date visible.
• Any reply or confirmation, including automated ones.
• The bank or card statement lines showing the disputed charges, highlighted.
• A short timeline: signed, cancelled, charged, with the dates.

If you only cancelled verbally, write the date, the time, and who you spoke to while it is fresh. It is weaker proof than an email, but it is still a record, and the later letter will refer to it.

Ask for the reversal in writing

Send a short message to the business: name the charge by date and amount, state the date you cancelled, attach your proof, and ask for the money back within a set number of days. Keep the request specific. A line like “please reverse this charge and confirm that my account is closed” gives the business one clear thing to do. If you need help with the wording, a cancellation letter has six parts that also work as a reversal request.

Dispute with your card issuer if the business stalls

If a week or two passes with no reversal, contact the issuer on the back of your card. Say that you cancelled, that you were charged afterward, and that you tried to resolve it with the merchant. Send the folder when asked. Be honest about what you signed: an issuer will weigh your contract, and a charge allowed by terms you agreed to is harder to reverse than a charge taken after a valid cancellation. If the root cause was a renewal clause, the details are in the guide on personal training auto renewal.

What the rule says

Indiana’s Health Spa Services chapter, IC 24-5-7, requires refunds within 30 days after a valid cancellation, and violations of that Act can be treated under the Deceptive Consumer Sales Act according to the Indiana Attorney General’s consumer fact sheet on health and fitness clubs, checked October 2026. Whether your cancellation was valid depends on your contract and your timing. This is general information, not legal or tax advice, and rules change.

Who to call if the charges keep coming

When the business and the card issuer have both had their turn, take the matter outward:

Who	When	How
Attorney General, Consumer Protection Division	A valid cancellation was ignored or a refund is overdue	1-800-382-5516 or IndianaConsumer.com
A local attorney or small claims court	A larger sum remains unpaid	Bring the folder and the timeline
Your bank	Repeat charges after a dispute	Ask about replacing the card number

Keep copies of everything you file. If the original contract was recent, check whether you were still inside the first days when you cancelled, as described in Indiana’s gym contract cancellation law. If you paid for sessions you never used, the separate question of refunds for unused sessions applies as well.