anytime fitness did the EXACT same thing to me. I had no contract and was on a month to month membership. once I got my Chip debit card i got a new exp date and i never updated their billing. I was also a member of a bigger gym. I only used anytime fitness when i fealt like working out late late night as its 24 hours. Anyways, fast forward 2 years and i get a message saying I owe 450.00...... How can i owe over 400 to a gym that was a month to month basis and why on earth would they keep trying to charge a card that they saw had an exd date that that was 2 years behind.... The owner is a nice lady but that billing practice is SOOOOOOO SHADY!!!!. I am not having to pay off the collection of 450 with the gym and they recalled their collection company they use and we signed a new agreement of payment so they dont put me back in collections.
IMO, if youre like me and need the money but try and live by the " money comes and goes " mentality; pay the bill and save your credit. Work with the gym and get and agreement in wiritting for paying the balance in payments so they cannot / wont put you back in collections.