I joined WOW gym in 2003 and joined my boyfriend also on my credit card in 2004. When I joined wow, I signed a contract and agreed to make payments to ABC financial because that was the company that wow chose to collect membership dues through. ABC financial has scam after scam, and I felt violated by wow since I came to get a gym membership, not intending for wow to give a company like ABC financial the opportunity to continuously scam me by making excess charges to my account. This is what ABC was doing and according to them this was legal and was actually in my contract that I signed with a wow in front of a wow supervisor who never bothered to inform me of this. When my credit card (like all other members' credit cards) expired and I automatically got a new card in the mail and activated it, it had a new expiration date. This is a normal occurance with credit cards and no other company I have ever dealt with has penalized me for it. The numbers are the same... only the expiration date has changed. That month and every month after, ABC charged my account an extra 20 dollars... so my statement would have a 39.99 charge (19.99 dues plus 20.00 fee). Now, my boyfriend's membership fee was doing the same thing. Our billing dates were different, so ultimately my card was being charged two additional 20.00 fees per month for several months. ABC wanted to do nothing about it since they say I agreed to the terms in my contract. I still don't know if that is true. Also, randomly throughout the year this extra 20.00 fee would show up the same way. ABC told me that I had insufficient funds at those times. Surprisingly,I actually could prove that on those specific dates, there was plenty of money in my account. The way that they finally corrected my account made no sense and I got so frustrated and gave up. I have spoken to others who have had this problem. See, the purpose of the fees is because a business cannot collect money due when it is due, but ABC always collected the money just plus 20.00. And when my card expired, the reasoning behind the penalties was that they couldn't process the transaction. But they did process the transaction but added 20.00 extra on both memberships each month. When I moved, I canceled both accounts on my credit card and both WOW and ABC financial scammed me out of 2 months dues as well as last month (which was already paid) for both my membership and my boyfriends. Any person reading this should beware of both companies... they do not do fair business. Their only corporate contact number is a voice mail, and so far, nobody has returned my calls. If this has happened to anybody else, I would be willing to take action as a group.