The Pact app was supposed to help users meet weekly goals for exercising and eating veggies. Users that succeeded were promised cash rewards, while those who broke their health “pact” paid penalties. But according to the Federal Trade Commission, it was the app maker that saw diet and exercise results—it feasted on users’ bank accounts and made a run for it when “tens of thousands” of them complained.

On Wednesday, the FTC announced that the maker of the app, Pact Inc., agreed to a $1.5 million judgement. Nearly $1 million will go to users as refunds and unpaid rewards. Pact has 30 days to fork over the dough.

Along with the settlement announcement, the FTC released its full complaint against Pact (PDF). The complaint outlines how the app was supposed to work and how it allegedly went terribly wrong.

The idea was that Pact app users would set their own goals for going to the gym, exercising, logging their food, and/or eating veggies each week. Users agreed to be automatically charged if they didn’t meet any of their weekly goals. The users themselves selected their own monetary punishment, with charges ranging from $5 to $50 for each broken pact. If the users met their goals, they were promised that they would be paid a share of the money collected that week from pact-breaking users.

“Unfortunately, even when consumers held up their end of the deal, Pact failed to make good on its promises,” Tom Pahl, acting director of the Bureau of Consumer Protection, said in a statement.

According to the FTC, Pact failed to acknowledge when users met their goals and charged them without authorization. Users that suspended or canceled their service or straight-up deleted their entire account continued getting charged—often hundreds of dollars.

One unhappy user said the app would not recognize her “check-in” at the gym on her Air Force base. Despite meeting her gym goals, the app charged her. Another user contacted Pact three times to tell the company that his workouts weren’t getting logged. He kept on getting $300 charges for his broken pacts.

One user deleted her account after being injured in a car accident but still got charged. Another tried suspending his while he was on a Navy deployment. He still got charged.

Some of the unauthorized charges caused users' bank accounts to be overdrawn, spurring overdraft fees.

To get the app to stop charging them, users would have to scroll through the 4,400 word terms of service, displayed on 43 iPhone 5S pages, and follow the buried instructions. But even the users who figured that out were still charged.

When users complained, Pact allegedly refused or dragged its feet on refunds. The FTC said that the app maker received “tens of thousands” of complaints. And the company was forced to issue so many refunds that it was fined by a financial institution for exceeding Visa’s monthly “chargeback rate”—six months in a row.

Nevertheless, Pact kept charging, according to the complaint:

“They have continued to charge (rather than pay) many consumers who have completed their pacts and bill consumers who have attempted to cancel the service, despite continued promises to the contrary. Indeed, rather than altering their claims or taking steps to pay and charge consumers only as promised, Defendants have introduced new types of pacts and additional features that suffer from the same issues.”

In addition to payments, Pact’s settlement with the FTC states that it must clean up its act and make quitting easier for users.

Pact did not immediately respond to Ars’ request for comment.