Complaints

• Initial Complaint

  10/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This membership was cancelled. I have a health disability that no longer allows me to use the membership so I canceled the membership at least 6 months ago. Please cease contact with me and remove all reports on my credit inquiry. I am unable to come in person to cancel. I did fill out the cancellation form online. This is in accordance with the Americans with Disabilities Act.

  Business response

  10/17/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. Upon receipt of the complaint, the account was marked to cease collection activity,and the account was updated to a disputed status.  Below is a summary of the account activity. 
  
  The account was placed with our office for collection from ****************** (the Gym) on 07/27/2024 following **** Ruskowskis default of the membership agreement.  On 07/30/2024, First Credit Services (FCS)sent the Initial Notice of Validation to him altering him that the account was placed with our office for collections.  
  
  Upon receipt of the complaint, we contacted the Gym to address the concerns raised and assist us in resolving Mr.Ruskowskis complaint.  The account was recalled on 10/14/2024.  Any questions concerning the account should be directed to the Gym. As part of the account closure a request was submitted to ********** to delete the tradeline.  Be advised that ********** can take up to 30 days or longer to update the report, and this is beyond our control.
  
  If you or Mr. ********* have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  08/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear FIRST CREDTI SERVICES *********** am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.The reporting inaccuracies concerning this account violate both **** and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation:1. Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) for handling this matter.2. Legal basis for the collection of this debt.3. Proof of your authorization to operate in my state.4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.5. Complete account history, inclusive of all collection-related charges.I am formally filing a complaint citing violations of my consumer rights under the **** and FDCPA. Pursuant to 15 U.S.C. 602(a), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604(a)(2), no account can be furnished without my written instructions.Your actions have infringed upon my rights under several sections of the ******* 1692d: Harassment or abuse in connection with debt collection.* 1692e: Use of false, deceptive, or misleading representations.* 1692g(b): Failure to properly disclose my rights.* 1692f: Use of unfair or unconscionable means to collect a debt.I request the immediate deletion of this disputed account from all ********************** reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may result in further legal action to protect my rights and interests.

  Business response

  09/04/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Below is a summary of the account activity. 
  
  The account was placed with our office for collection from Work Out World *********** (the Gym) on 11/27/2018. First Credit Services (FCS) sent the Initial Notice of Validation to ***************************** on 12/03/2018.  Upon receipt of the complaint, the account was marked to cease collections activity, and the account was updated to a disputed status. We also reached out to the Gym to assist in the investigation of the complaint and have since been advised that this account was placed in error.  As part of the account closure a request was submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take up to 30 days or longer to update the report, and this is beyond our control. Any questions concerning the account should be directed to Work Out World ************
  
  We are hopeful that this resolves the complaint.  If you or ************** have any questions or concerns our ***************** is open Monday through Friday 9am to 6pm EST and can be reached at **********************.

• Initial Complaint

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am reaching out to seek your help with a concerning issue that has recently come to my attention. A collections account from First Credit Services has been reported on my credit file, and it’s having a serious impact on my credit score. I want to clarify that I do not have any agreement or contract with this collection agency. This came as a shock to me because I have never received any documentation or validation of this debt, and as far as I know, I don’t owe it. I have always been diligent in managing my finances, so this situation is deeply troubling. Under the Fair Debt Collection Practices Act (FDCPA), I understand that I have the right to dispute debts that I believe are inaccurate or invalid. Given the circumstances, I am formally disputing the validity of this account. I believe this account should be removed from my credit report as it doesn’t reflect a legitimate debt that I owe.

  Business response

  08/23/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Below is a summary of the account activity. 
  
  The account was placed with our office for collection from ****** * ************ ** (the “Gym”) on 02/27/2024 following ****** *********** default of the membership agreement.  On 03/01/2024, First Credit Services (“FCS”) sent the Initial Notice of Validation to him altering him that the account was placed with our office for collections a copy of which is provided herewith. 
  
  On 08/19/2024 our office received a written dispute and a request for validation.  Upon receipt of the dispute, the account was marked to cease collection activity, and the account was updated to a disputed status.  Then filed the subject complaint, prior to us having an opportunity to respond to the dispute.
  
  In response to Mr. *********’s claim, we enclosed the following documents to serve as account validation 1) membership agreement, 2) payment history, and 3) billing history.  Upon review of the billing and payment history you will see that Mr. ********* was an active member of the Gym until September 2023 when he stopped making payments under the terms of the Membership Agreement.  
  
  Based on the supporting documentation provided herewith and the investigation, it is our contention that the claim of an outstanding balance owed by Mr. ******* in the amount of $207.30 is valid.  We invite him to reach out to our office should he wish to discuss the account details.
  
  Prior to responding to this complaint, we took additional steps to review the credit reporting activity and based on our investigation, the account and the subsequent credit reporting activity is accurate.  As a courtesy we will honor the consumer’s request and have submitted to the credit reporting agency to delete the tradeline.  Be advised that TransUnion can take 30 days or longer to update the report, and this is beyond our control
  
  If you or Mr. ********* have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138.

• Initial Complaint

  07/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I learned through Credit Karma that there was a $152.00 hit against my credit. This stems from a dispute against a gym called Crunch Fitness of which in a prior discussion back in April I requested a dispute be filed. I have never received a call or a letter from said credit agency. When I called ************ on Monday, July 8th I was sent to a third-party vendor based in *****. I said I would only speak with someone from the States, and they gave me a number ************. that number is disconnected. They forwarded me to another line that told you to leave a message for a call back but then disconnected you from doing so. I have called back several times to arrange a dispute on the matter and keep winding up with a third-party company who insists on giving me the same number. when I tell them that this number doesn't exist, they only tell me that this is the number they have to work with. In one of the calls with this third-party vendor I asked them to review my statement for the dispute and when they did, literally next to nothing was written as an explanation to be made based on my experience. This experience has been a total sham. So, let's review: There is no one to talk with in the ******. The contracted third-party vendor is giving false information and I have not received a thing from First Credit Services to validate or invalidate my claim. My only option is to fight this out in court which will be my next step if a resolution is not forthcoming.

  Business response

  07/18/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  Our office is no longer handling the referenced account and have submitted a request to TransUnion to delete the tradeline and provide control #******* as confirmation of that request. Any questions concerning the account should be directed to the creditor.
  
  If you or **************** have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

  Customer response

  07/19/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ******** and find that this resolution is satisfactory to me so long as any demerits on my credit are eliminated. .
  
  Regards,
  
  *************************

• Initial Complaint

  04/19/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Consistent calls from First Credit Services from various numbers. My number that is being called is tied to an independent business entity that is separate legal entity of myself and that is NOT associated with the debts of the person who owned the number prior. No one answers when I answer the phone. No voicemails are left. My business does not even have a line of credit nor debt. Phone numbers below:***************** *************** *************** ***************

  Business response

  04/26/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  We reviewed our account file as a *********************** of the investigation into the allegations. Below is a summary of the account activity:
  
  Upon receipt of the complaint, we removed the telephone number ending in #**** from our database. Prior to receipt of this complaint, we have had no knowledge that the number did not belong to the intended recipient and had no prior communication with ******************************* or requests to cease and desist calls to this number.
  
  We apologize for any convenience this may have caused him, and we are hopeful that this resolves Mr. ********* concerns. If you or he have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  03/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a collection notice for a Camp Gladiator account, master number ******, master loc number ********, business ID ******. I was advised to respond to the collection by 3/1. I responded by this date and provided a copy of my original cancellation from 1/6/22 showing a zero balance. I have never attended another Camp Gladiator course since the cancellation nor signed up for one. Please remove this collection from my account immediately as I provided proof that I cancelled and had no balance. I provided the requested information prior to 3/1 per the collection notice. The Camp Gladiator trainer D'Anthony S**** also signed my cousin up for training services without her permission. This company is illegally signing up prior members for classes without their permission to make money. Camp Gladiator will not be able to present any documents I signed for class as I never re-enrolled. I will take legal action against Camp Gladiator and First Credit Services if this is not removed from my account immediately.

  Business response

  03/25/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. 
  
  Our office is no longer handling the referenced account.  Our client, Camp Gladiator recalled the account on 03/19/2024. As part of the account closure a request was submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take 30 days or longer to update the report, and this is beyond our control.  Any further inquiries regarding the account should be directed to the creditor.
  
  We are hopeful that this resolves Ms. ****** concerns.  If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138. 

  Customer response

  03/26/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  ***** ******

• Initial Complaint

  03/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  First Credit Services reported a collection bill sent from Peloton Interactive. I have contacted Peloton and they report there is no due balance for my now closed account. Please make correction and send update to TransUnion. Thanks

  Business response

  03/19/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  Our office is no longer handling the referenced account and have submitted a request to TransUnion to delete the tradeline. As of the date of this response,as per TransUnion, this account is not being reported by FCS.  Any questions concerning the account should be directed to the creditor.
  
  If you or ************** have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  01/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Hey BBB; FCS; I already paid original creditor *** *** $208, and I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. I don't know this company here. You violated my rights rights under §15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated §1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;  You violated §1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of § 1692e;  You violated §1692e(2)(A) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;  You violated § 1692e(5) of the FDCPA by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client; You violated § 1692g(b) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumer’s right to dispute the debt with the language it used in the Collection Letter; and  You violated § 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.  As a result of the foregoing violations of the FDCPA on this matter, I demand an immediate deletion of this account from all credit reporting agency.

  Business response

  01/26/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Below is a summary of the account activity.  Upon receipt of the complaint, the account was marked to cease collection activity and the account was updated to a disputed status.  Prior to this complaint we have not received a written from communication from the consumer nor a request for validation of the debt.
  
  The account was placed with our office for collection from ******* ***** – Norwood, MA (the “Gym”) on 10/27/2023 following ********** ********* default of the membership agreement.  On 10/30/2023, First Credit Services (“FCS”) sent the Notice of Collection to her altering her that the account was placed with our office for collections.  
  
  We reached out to the Gym, to address the concerns raised. Herewith is a copy of the following documents to serve as account validation 1) two (2) membership agreements showing a continuous relationship with the Gym, 2) photo ID, 3) payment history, and 4) billing history.  Upon review of the billing and payment history you will see that Ms. ******* was an active member of the Gym from March 2022 up until June 2023 when she stopped making payments under the terms of the Membership Agreement.  
  
  Based on the supporting documentation provided herewith and the investigation, it is our contention that the claim of an outstanding balance owed by Ms. ******* in the amount of $207.96 is valid.  We invite her to reach out to our office should she wish to discuss the account details.
  
  With regard to credit reporting, First Credit Services does not report to Experian or Equifax, nor can we respond to the credit reporting activity of other companies.  We did conduct a review of the credit reporting activity, and based on our investigation, the account and the credit reporting activity are accurate. 
  
  If you or Ms. ******* have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138.

• Initial Complaint

  01/01/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with 05 POWERHOUSE FITNESS CENTER. I do not have a contract with First Credit Services. They did not provide me with the original contract as requested.

  Customer response

  01/02/2024

  Unfortunately, I do not have a physical letter as I asked via phone during a phone call they made to me. 

  Business response

  01/11/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  Our office is no longer handling the referenced account and have submitted a request to TransUnion to delete the tradeline and provide control #******* as confirmation of that request. Any questions concerning the account should be directed to the creditor.
  
  If you or ****************** have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  12/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  08/28/2023 $236 ****** ******* had been asked to update my payment information and cancel my membership. Apparently it didn't happen, the company kept charging me and sent the manufactured debt to "FIRST CREDIT SERVICES INC" for an inflated value of " 236 dollars instead of the 82.85 dollars that I wanted to pay with an updated payment method due to my debit card being lost. I haven't being contacted, nor a validity notice was ever sent.

  Business response

  01/05/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  Below is a summary of the account activity.  Prior to this complaint we have not received a written from communication from the consumer nor a request for validation of the debt.
  
  The account was placed with our office for collection from ****** ******* – Tampa, FL (the “Gym”) on 08/28/2023 following **** ****** ****** default of the membership agreement.  On 08/31/2023, First Credit Services (“FCS”) sent the Initial Notice of Validation to him altering him that the account was placed with our office for collections, a copy of which is provided herewith.    
  
  It is our understanding that the consumer had reached out directly to the client on 12/21/2023 and entered into an agreement to resolve the account.  Accordingly, we considered this matter closed and a request was submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take up to 30 days or longer to update the report, and this is beyond our control.  Any questions concerning the account should be directed to Gym.
  
  We are hopeful that this resolves the complaint.  If you or Mr. ***** have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138.

  Customer response

  01/07/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  **** ****** ***** ********

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩