Did you ever check if your credit card company kept charging you after the gyms closed? Mine did for three months because I forgot to cancel the auto-pay, and getting that money back was a huge fight.
Ugh, yes, that happened to me too! My old gym charged me for five whole months after they shut their doors for good. I had to call my bank and file a dispute, and it took forever to get the charges reversed. They kept saying it was a "service fee" I agreed to, but I couldn't use a single machine! It was such a frustrating mess.