I was approached for a fitness service for which I was quoted $2400. The $2400 was to be paid in 3 installments of $800. I paid the last installment on 01/02/2026. However, I was charged an additional $800 on 02/06/2026. I informed the merchant the same day of the accidental charge. They informed me that it would be reversed and I should see the money in 2 days. I waited for the money and received nothing. So, on February 18th, I disputed the charge with my bank. Per my bank, the merchant never responded to any of their outreach. He has also done this to another client. So, I imagine there are others. This is illegal and very cruel. I could have been homeless due to this or plummeted into financial ruin as $800 is a lot of money.