Business Profile
Collections Agencies
First Credit ServicesThis business is NOT BBB Accredited.
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Complaints
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
12/13/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a notice that I have a collection from 1ST CRD SRVC on my credit report. It says it was opened on 6/27/2023 for $1,007 with account number *************************** in ********that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.Business response
12/22/2023
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 on 06/27/2023, and First Credit Services (FCS) sent the Initial Notice of Validation to *********************** on 06/30/2023. Prior to this complaint we have had no written communication from him.
Upon receipt of the complaint, we contacted our client, *************************** to obtain verification. Although the agreement and payment history were supplied, the billing history was not provided. Accordingly, we have ceased collection of this account and returned it to our client. Any questions concerning the account should be directed to ****************************.
With regard to the credit reporting, as of the date of this response, as per TransUnion, this account is not being reported by FCS.
If you or ************ have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.Initial Complaint
11/21/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Dear BBB; First Credit Services; 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 and I need this removed from my credit report effective today. Plus i had paid off WOW gym. You violated my rights rights under 15 USC codes sections **** d, e f g of FCRA/FDCPA. Remove from my credit report. Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v ******* mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.Business response
11/30/2023
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 on 04/27/2022, and First Credit Services (FCS) sent the Initial Notice of Validation to ********************* on 04/28/2022.
On 10/06/2023 we received a direct dispute from ******************* Upon receipt of the dispute we reached out to our client, Work Out World *******, ** to address the consumers concerns and requested full account validation. We attempted to provide a written response to Ms. ******** dispute at the address provided by her but that response was returned by **** as undeliverable. The letter advised ****************** that the account was closed back to Work Out World and we directed TransUnion to delete the tradeline. We confirmed through TransUnion that this account is not reporting to ************ credit file.
Any questions ****************** may have 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 available Monday through Friday 9am to 6pm EST at **********************.Initial Complaint
11/20/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a notice that I have a collection from 1ST CRD SRVC on my credit report. It says it was opened on 201948XX for $43.00 with account number *************************** in ******** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.Business response
11/29/2023
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 on 08/28/2023. First Credit Services (FCS) sent the Initial Notice of Validation to ******************************* on 08/31/2023. 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 our client, Golds Gym ********************** to assist in the investigation however, a response was not received prior to the required response date. Accordingly, we have closed the account and returned it to our client. Any questions concerning the account should be directed to Golds Gym. 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.
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
11/11/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with WORKOUT ANYTIME and I do not have a contract with FIRST CREDIT SERVICES who has reported this to the credit bureaus and they did not provide me with the original contract as requestedCustomer response
11/16/2023
I called and spoke to someone and ask them did they have a contract between me and them saying that I owe them money that person response was no please ask them to supply you with a contract between me and them they will not do it because I don't have a contract with them
*****
Business response
11/22/2023
We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. Upon receipt of the complaint,all collection efforts ceased, and the account was placed in a disputed status. Below is a summary of the account activity.
On 04/26/2016 *************************** entered into a gym membership agreement with our client, ***************************** (the Gym). ********************** account went into default for non-payment,and the account was assigned to First Credit Services (FCS) for collections on 12/27/2022. Collection efforts began with the sending of the initial Notice of Validation on 12/30/2022.
Our office spoke with ******************** on 01/04/2023 and on 01/13/2023 to discuss the account and the amount due. During those two communications the Agent attempted to assist ******************** in resolving the account balance. Both calls ended with ******************** declining the settlement offer and stating he wanted to reach the Gym. Prior to this complaint ******************** made no requests for account validation.
We reached out to the Gym to provide verification, however, they did not timely respond to our request. Accordingly, we have ceased collections of this account and returned it to our client. Any questions concerning the account should be directed to the creditor. 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.
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
10/11/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
not my debt nor was i given notice or notified about this collection.Business response
10/20/2023
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.
On 01/15/2022 *********************** entered into a gym membership with our client, Crunch ***********, ** (the Gym).
The contract went into default for non-payment and Crunch ***********, ** subsequently assigned the account to ********************** (FCS) for collections on 07/27/2023. Collection efforts began with the sending of the required Model of Validation Notice on 07/31/2023 informing him that the account was placed with our office for collections.
Our office is no longer handling the referenced account. We have directed TransUnion to delete the tradeline. Be advised that credit reporting agencies 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 the Gym.
Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline. Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.Initial Complaint
09/25/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I have been getting calls every day for the past month which identify as First Credit Services. Calls are always from a different number. They never leave a message, and if I answer the phone, they just hang up. I consider this harassment and want it to stop. The call today (9/25/2023) was from ###-###-#### at 2:22 p.m. Other numbers I have written down are: ###-###-#### on Sep. 28; ###-###-#### Sep 19; ###-###-#### Sep 20; ###-###-#### Sep 21; ###-###-#### (Sep 22). I am not aware of any past due or unpaid accounts, and if the caller just hangs up, it appears to be a scam.Business response
10/02/2023
We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.
We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns:
Upon receipt of the complaint, we removed the telephone number ending in #3116 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 Mr. ***** *** 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 Compliance office is available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138.Customer response
10/02/2023
[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
09/25/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
First credit services of New Jersey has called me from almost every state in the Union. I'm in NY they call me on weekends. Every day and never leave a voice-mail. I don't owe these people, want no contact with them. Make them stoppppp. ThanksBusiness response
10/02/2023
We are in receipt of the referenced complaint and appreciate the opportunity to resolve the concerns raised by ***** ****** in her complaint. Below is a summary of the account activity.
On 07/27/2023, *** ***** ************ *** assigned Ms. ******’s credit card ending in # 0051 to First Credit Services (“FCS”) for collection on behalf of ******* ** **** Services, Inc., the original creditor. Collection efforts began with the sending of the Model of Validation Notice on 07/31/2023 informing her that the account was placed with our office for collections and continued through 09/23/2023, when the account was placed in a cease & desist status following receipt of the written communication from Ms. ****** and the subject complaint.
It is our contention that FCS conducted itself in full compliance with state and federal laws governing communications with consumers while servicing this account. At no time did we speak with Ms. ****** or receive a request to cease and desist prior to 09/23/2023. The account will remain in a cease-and-desist status. Ms. ****** is welcome to contact our office to further discuss the account.
We are hopeful that this resolves Ms. ******’s concerns. If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST on ###-###-#### Ext. 2138.Customer response
10/03/2023
[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
09/20/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am not liable for the debt with first credit services, I do not have a contract with first credit services. They did not provide me with the original contract as requested.Business response
09/22/2023
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.
On 08/04/2022 ******************************* entered into a gym membership with our client, Anytime Fitness ***********.
The contract went into default for non-payment and Anytime Fitness *********** (the Gym)subsequently assigned the account to ********************** (FCS) for collections on 12/27/2022. Collection efforts began with the sending of the required Model of Validation Notice on 12/30/2022 informing him that the account was placed with our office for collections.
On 07/31/2023 we were notified of a credit reporting dispute by TransUnion. Our office timely and appropriately responded to the TransUnion through e-******
Upon receipt of the complaint, the account was marked to cease collections activity and the account was updated to a disputed status. Prior to the complaint we had no verbal or written communication from the consumer requesting validation of the debt. We contacted the Gym to provide verification. However, they did not timely respond to our request. Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline. Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.Customer response
09/22/2023
[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
09/14/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with 05 Golds Gym ***************. I do not have a contract with First Credit Services. They did not provide me with the original contract as requested.Business response
09/22/2023
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. Prior to the receipt of this complaint, we have had no communication from the consumer.
On 07/24/2019 ***************************** entered into a gym membership with our client, Golds Gym ***************.
The contract went into default for non-payment and Golds Gym *************** (the Gym) subsequently assigned the account to ********************** (FCS) for collections on 06/27/2023. Collection efforts began with the sending of the required Model of Validation Notice on 06/30/2023 informing 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 ******************** complaint. However, they did not timely respond to our request. Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline. Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.Initial Complaint
09/11/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with anytime fitness. I do not have a contract with First Credit Services, they did not provide me with the original contract as I requestedBusiness response
09/20/2023
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.
On 04/25/2022 ***************************** entered into a gym membership with our client, Anytime Fitness -************.
The contract went into default for non-payment and Anytime Fitness - ************ (the Gym)subsequently assigned the account to ********************** (FCS) for collections on 05/30/2023. Collection efforts began with the sending of the required Model of Validation Notice on 06/02/2023 informing him that the account was placed with our office for collections.
Upon receipt of the complaint, the account was marked to cease collections activity and the account was updated to a disputed status. Prior to the complaint we have had no verbal or written communication from the consumer requesting validation of the debt.
We also contacted the Gym to address the concerns raised and assist us in resolving Mr. ****** complaint. However, they did not timely respond to our request. Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline. Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.
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Customer Complaints Summary
125 total complaints in the last 3 years.
21 complaints closed in the last 12 months.
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