u/OkPea2719

I have a checkings account with Bank of America (pls don't make fun of me) Ive used it as my savings and direct deposit as well. I have been looking into getting something out of it and came across a hysa while applying for a credit card. I did a little bit of research and have been considering between sofi or capital one. I want to know the pros and cons with people who have had sofi or capital one, thanks!

Edit: I’m not a big spender, I have a good amount of money saved up, I have a paid off truck and absolutely little credit card debt. I’m still new to this whole stuff stuff too so bear with me 🐻

Without my consent, an employee used my card to purchase a commitment gym membership even though I told him I didn’t want it at all and wanted just to try the $1 5 day pass he offered me because I didn’t qualify for the 3 day free pass. I didn’t sign anything…… no contract no nothing no agreement Hecks I didn’t even sign anything or was shown anything, just paided the $1 but he went behind my back and did it either way and I found out today. I went today and these guys had the nerve to say to cancel it I had to pay a $50 fee for something that WASNT MY FAULT. I told him what they were doing was straight up illegal, they gave me a number that doesn’t work at all. I called multiple times but its a stupid robot that doesn’t help with anything, as soon as I give it my gym info, it just says thank you and hangs up. I’ve sent emails to 24 customer service but I’m yet to hear back
anyone with a 24 hour membership, be careful, these guys are straight up thieves, in total I’ve been charged $160 without my consent.
I’m going back Monday, if nothing is resolved, I’m throwing closed fists at all employees

Location: Escondido California
I had a membership prior but I cancelled with them a while ago and only returned when they came out with a free 3 day pass. The employee said I didn’t qualify but he would offer me 5 days for $1 then he told me if I wanted to sign up for an actual pass which would be $31.99, and I said specifically said no and just paid the $1. After a week I checked my old account to see if they charged me anything or if they added a membership agreement and there was nothing, my debit card information wasn’t on there, the website itself said I had no agreement in place. I checked the app too and there were no check in options, signaling me that I wasn’t a member either. After a couple months, I check my transactions and found out that they have been charging me, even got hit with a $59.99 bill. I went to the gym in person and asked all these questions. He said I had a commitment agreement to which I was shocked, let alone he said to cancel it I would have to pay $50, but I checked my ENTIRE account and nothing popped up about me being committed. Keep in mind, all I did was pay $1, the employee didn’t pull me aside and have me sign a few things like when I got my first membership. I didn’t sign anything, Basically did it without my consent. He gave me a number to call for help. I called and it was asking for a member ID located at the bottom of the check in button to which I DONT NOT HAVE CAUSE IM NOT A MEMBER.
All I want is to cancel the contract, refund my money, and have them take off any of my bank information.
This whole thing has got me frustrated
Any advice on how to resolve this?

edit: the employee checked my email and phone number when he said I had a commitment agreement but when I checked on my side, NOTHING pops up about any of this.