First Credit Services Inc. CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
05/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 076XX
Web
I went to XXXX XXXX in XXXX, NJ from XXXX of XXXX to XXXX of XXXX. I canceled my membership due to COVID-19 over the phone and the manager told me it was canceled. My account was shut down, including my online gym portal. The gym shut down the next day. When they reopened in XXXX of XXXX, the gym charged me, and I called them to remind them I had canceled. I could not even access my online account since I had closed it down, which they acknowledged, so I actually could not even see what the charges were for. The front desk staff member who I spoke to said they were still processing their cancelations from earlier in the year, which caused the delays. She said it would be resolved within a week or two and asked that I be patient. They charged me again in XXXX and I called multiple times to get updates, and I was told my cancelation was still 'pending '. When I did not get my refund towards the end of XXXX I asked to speak to a manager and was told he would not speak to customers regarding cancelations unless I came in person. I live almost two hours away so I said that wasn't feasible. XXXX said there was nothing they could do. I was confused as I was told that my cancelation was already done, and I was told multiple times they could see the notes on my account, so why did they need me to re-do it? When XXXX kept refusing to tell me why they would not honor my cancelation, I got my bank involved. In XXXX of XXXX, my bank disputed the claims and I was refunded the erroneous monthly charges and annual fees. I tried working with the gym to resolve the issue, but XXXX then said that because so much time had passed since I canceled, they would not refund me and I would have to re-cancel my membership and pay additional penalties for being late in paying XXXX and XXXX 's monthly fees - even though they admit they were the ones who did not honor the cancelation in time. While I am empathetic to businesses struggling during Covid, it is not my responsibility to pay monthly, annual, and late fees because they were not able to process their forms. If you check this location 's XXXX and XXXX review page, dozens of other customers have reported being charged after canceling and/or management not closing their accounts properly ( i.e., someone canceled their membership in person and this location 'froze ' it instead, and refused to cancel it and this person was expected to keep paying after their account unfreezes even though they clearly asked for a cancelation ). It is not just me who is told their account is closed, then fraudulently charged monthly and late fees. My bank allowed XXXX to provide evidence in response to the dispute, and they reviewed the paperwork XXXX sent. My bank ruled in my favor since XXXX had no documentation that would continue my membership. XXXX actually doesn't even have a signed copy of my original contract anymore ; the manager deleted all the contracts when I originally canceled so it's currently just a blank copy with a random date pasted on a cover letter. XXXX had to 're-create ' the contract, which obviously can not be trusted since there is no original. Clearly, a blank contract with no signature and no renewal date is not valid. Due to this, it was ruled that I was not supposed to pay XXXX However, after my bank ruled in my favor, XXXX sent the money to a collections agency. I used a CFPB dispute letter and asked the agency for proof of any debt I owe the gym, and they ( once again ) sent a generic contract with no signature and no renewal date. It just has a cover letter with a random contract date and then a default contract attached, with no signature or renewal date. XXXX actually alerted my bank that it would still charge me, regardless of their decision, so my bank called me and we decided to block XXXX from fraudulently charging my account. If you actually look at the 'invoice ' they are sending me, they are still charging me for monthly fees ... even though my bank has been disputing them since XXXX. I'm very concerned because both XXXX and the credit services are sending me unsigned template contracts as evidence with information copied and pasted onto the front. They are escalating the issue without providing me the evidence. My bank found that XXXX had no original or signed evidence so I'm not sure how to proceed. The cover sheet of the contract is not even accurate - I joined in XXXX of XXXX, and the face sheet said XXXX of XXXX. This provided clear evidence that the face sheet was created and is not the original contract, which XXXX only admitted to after my bank questioned them. I don't know how to defend myself against 'evidence ' that isn't even valid. The credit agency gave me no way of further disputing the claim, only a phone number to call to make payments and that number does not handle disputes. I'm stuck at this point and the agency has provided no way of further discussing the erroneous charges. I'm hoping the CFPB can help me put this issue to rest and look into options for further disputing this. I have letters from my bank stating that XXXX has no renewed or even signed contracts to prove I owed them any fees. I also have called two personal trainers who used to work here ( up until XXXX of XXXX ) who say the manager purposely will lie about contracts ( including personal training packages ) and special pricing, then 'do whatever he needs to do ' to make it extremely difficult for customers to cancel. I don't think a collections agency should be used as a tactic to take money from people in a pandemic. Since the collections agency is not offering me a way of further disputing this, I am hoping this complaint helps me move forward.
12/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85326
Web
First Credit Services called and spoke with me on XX/XX/XXXX regarding an alleged debt. I advised them that I do not acknowledge the debt and request verification. I was told several times that they have the information in front of them and it's my debt. After stating several times that I need all verification of the debt as required under federal regulation/law, the collector emailed me a letter that is essentially a bill from their agency. I responded to this email with an attached letter demanding verification of the debt. The receipt of this was verified with a response from the agency. -- -- -- -Begin XX/XX/XXXX Call Information -- -- -- - On XX/XX/XXXX, I received another phone call from First Credit Services where, after verifying my name and address, this was stated : " I am calling you on behalf of XXXX XXXX XXXX for your XXXX XXXX which ends in XXXX which was issued by XXXX and the outstanding balance is {$560.00}. So I just wanted to ask you, you were a premium customer with indigo mastercard, what went wrong on the payment? '' I immediately confronted the fact that they were calling me without providing the previously requested verification information. The collector responded stating the debt is {$560.00}. I told him that I am not discussing the alleged debt, I am talking about the fact that you are calling me in violation of the law. He stated " I have verified all the information personally ''. I responded by telling him that I do not care what he says he has verified, I have not received any verification. He then told me " I tell you now the info in which I have, now XXXX of XXXX this account was opened by you. XXXX of XX/XX/XXXX you made a {$40.00} payment on the account and the remaining right now is {$560.00}. I am not asking you to pay that right now, I am just asking what exactly went wrong where you missed out on the payment. '' I then proceeded to tell him That I am not answering his questions. He proceeded to tell me " Because sir if you work with me if I work with you I would help you save a lot of money because I have great offers for you to be honest with you. '' Again, I told him they have not verified the debt. He continued " Sir as I told you about the opening date, and the date you made payments, as well as the last XXXX of the card as well. And all that together brings the balance to XXXX but I am not asking you that, I want as you are a really good customer I want you to be in paying status and that is the reason I am giving you a last offer here to close and settle the account for {$370.00} ''. I then asked him " You do realize that I have already told you that this call is in violation of federal law '' in which he responded with " mmm hmmm '' at which time I asked " And you continue to do it? ". He responded with " Sir, this offer that I gave you for this settlement and I can also send you an email.. '', I interrupted him and said that he is still trying to collect a payment after I have made it clear that he is breaking the law, in which he responded " So you want us to send you emails about the debt? ". I told him no, as you have not verified the debt which he responded " Sir, I have already verified the debt to you and I can also send you the email as I said to you on the call sir ''. I asked " How did you verify the debt, as required by law? '' in which he responded " I have given you the name as the card as well as also told you the opening date, the day you made a payment, the amount of debt you have right now, I have let you know the information sir ''. I told him again, that they have not provided the documents as requested and required by law, nor have they proven that they can even legally collect the debt. He said " We are a legitimate company right now, and once we collect one I give you the settlement, we settle in full and you will also get an email about that, it will be done today itself '' I then told him that they need to provide the documentation that is required to verify the debt. I advised that there are punitive monetary damages for these actions that I will be requesting, and not to call me again without properly verifying the debt. -- -- -- XXXX XXXX XXXX -- -- -- - This phone call was made with complete disregard of regulation and the collector was persistent, even after being informed of this fact, on trying to get payment. It was repeatedly stated that they can personally verify the debt and their obligation to provide documentation ignored. First Credit Services called me nearly every day up to XX/XX/XXXX using a variety of numbers. On XX/XX/XXXX, the number that was used was an Arizona number.
12/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98683
Web Servicemember
First Credit Services of XXXX, XXXX sent me a collections bill dated XX/XX/XXXX stating that I owed XXXX XXXX of XXXX, XXXX {$250.00}. I later received a phone call from First Credit Services on XX/XX/XXXX ( according to their records and to my recollection around that time frame ) following up on the bill, at which time I told the First Credit representative that I was never a member of that gym and have never lived in or visited XXXX, XXXX. The rep asked me if I had been a member of any gym recently and I replied XXXX XXXX XXXX XXXX in XXXX, XXXX where I have resided since XXXX before relocating from XXXX where I had lived from XXXX. I ended the call stressing that I never had a membership or account with any gym by that name and that this was not my debt. Today, XX/XX/XXXX, I received credit alerts from credit monitoring services stating that a collections account was added to my credit report. When I checked XXXX ( screen shot included with this complaint ), it shows a Collection Account with date opened XX/XX/XXXX, in the amount of {$250.00} ( rounded up from the {$250.00} First Credit claimed I owed ), but the Original Creditor is listed as XXXX XXXX XXXX, the information I volunteered to their representative, not on the bill they sent ( copy included with this complaint ). On XX/XX/XXXX, my domestic partner XXXX ( XXXX ) XXXX received a call from First Credit Services claiming he owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX XXXX. Again, we live in XXXX XXXX and have never had a gym membership with XXXX XXXX or ever been to XXXX, XXXX. Then on XX/XX/XXXX, he received a letter/bill demanding payment from First Credit Services in XXXX, XXXX. We called their number to let them know that he never had this account. Their representative claimed the account was opened in XX/XX/XXXX. We XXXX XXXX XXXX XXXX XXXX during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before his supposed contract date. Subsequent to that phone call, XXXX immediately filed a complaint with CFPB, complaint XXXX citing the above information regarding his interaction with First Credit Services. He received CFPBs status update stating that the Company responded on XX/XX/XXXX stating the following : We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. The account was placed with our office for collection on XX/XX/XXXX, soon thereafter the client advised the account was sent in error and recalled the account. Any questions he may have concerning the account should be directed to the creditor. If you or Mr. XXXX have any questions or concerns our Compliance office is available at XXXX Ext. XXXX. Our office is open Monday - Friday XXXX to XXXX EST. Now today, XX/XX/XXXX, I received a falsified collections account on my credit report from First Credit Services. To resolve this situation, the First Credit Services needs to have this false collections account removed from my credit report and assert that this is not my debt. Further, I recommend that as a federal agency, CFPB have First Credit Services investigated broadly for these business practices. The systematic way in which First Credit tried to collect fraudulent fees from my household wreaks of a concerted effort rather than a simple error on the part of their client. Gyms are closed during COVID-19, and XXXX offered us the opportunity to freeze our membership which we did so that we would not incur charges for services that we could not use due to public health mandates. First Credit appears to be perhaps taking advantage of the COVID crisis, claiming people owe their clients money. As military veterans who were in the process of closing on our dream farm home with a VA loan which closed on XX/XX/XXXX, and as XXXX employees whose careers could depend on good personal financial histories, XXXX and I were stressed about these collections attempts. Had First Credit Services falsified collection hit his credit report during the purchase of the farm property, it very likely would have killed our dream prospect. First Credit should be investigated, and sanctioned if warranted, to prevent these practices from being visited on other consumers who may not have the savvy to access their credit information instantly and contact CFPB to rectify such a terrible situation during these difficult financial times in our country.
04/07/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • XXXXX
Web
Date:XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To : First Credit Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX RE : Debt Validation Request To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. As this is mentioned and listed under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company agreeing to pay First Credit Services for this alleged debt. Please prove that you are the original creditor. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. First Credit Services has violated section 805 for the FDCPA Communication in Connection with Debt, section Harassment and Abuse by making calls to my personal phone number. Furthermore once any debt once any debt collector obtains a debt the debt collector is obligated to send notification to the consumer within 5 business days that they own the debt. AT this time I have received no such letter from First Credit Services stating that they own this debt which a violation of the FCRA. How did you obtain my financial information and when did I give you direct permission to contact me? If this cant be proven then you have violated FDCA laws. Please also provide First Credit Services License and Bond number in your response within 30 days so that I may file a complaint regarding your companys failure to follow the FDCPA. Regards XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
11/17/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30350
Web
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Dear Sir/Madam I am writing XXXX XXXX XXXX to explain the reason for Voluntarily Surrendering Reference : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I purchased the car on XX/XX/XXXX believing that I had bought a car from a reputable company, XXXX XXXX XXXX, financed by XXXX XXXX XXXX XXXX with the intention of keeping the vehicle and honoring my obligation by paying the monthly installments. I also trusted XXXX XXXX XXXX when I purchased the car that all inspections were done on the car prior to selling the car. I believed if those inspections were done, they would have been discovered that the pumps that drained water from the Sunroof of the car were blocked with dirt. I fully blamed XXXX XXXX XXXX for their misrepresentation to the public, thus resulted in a potential deadly and painful situation for me. XX/XX/XXXX, I had to take the car for service at XXXX XXXX XXXX. After the Service Advisor checked the car, he came back to me with his diagnostic test and recommendation of work needed to be done : 6. Vehicle Check {$99.00} 7. Brake Fluid Flush {$140.00} 8. Microfilter to change {$79.00} 9. Spark Plugs to be replaced {$190.00} 10. Rotate and Balance tires {$59.00} I declined the service recommendation, since I had just purchased the car only 5 months earlier, However, I did get the oil change and oil-filter done for {$76.00}. On XX/XX/XXXX at around XXXX XXXX I was on my home from work driving on XXXX XXXX I saw the lights inside the car disappeared, then my heads lights were gone. XXXX XXXX has no street- lights on the highway, it was total caucus. XXXX XXXX exits are two miles or more between exits. The first thing that came to my mind, I hope I made it to the next exit alive. I carefully moved over to the slowest lane and preceded on to the next exit, found a place to park my car and called my daughter to come and pick me up. The next day, XX/XX/XXXX, I contacted XXXX XXXX XXXX to report what I had experienced the night before. I also made an appointment to get the car service. Took the car in for an inspection. The findings from the inspection were as followed : 7. Sunroof drains clogged/torn causing water leak into the electrical system ; service requested repair Water Outlet Hose front and rear cost {$400.00} 8. Waster damaged causing multiple light out message ; repair Footwell Module. {$840.00} 9. Battery Flat-Battery has Undervoltage Faults : Battery Repair cost {$290.00} 10. Oil Filter Housing Reseal-Leaking, 3 Gaskets needed to be replaced cost {$1100.00} 11. Findings : Driver Axel Seal Leaking Drive Shaft and Ring needed to be replaced and sealed cost {$300.00}. 12. Pump Coolant needed to be Replaced -Antifreeze : 832540 cost {$740.00}. After I got the results and costs for the repairs, I contacted the XXXX XXXX XXXX On-site Manager to negotiate reasonable repair costs. He told me he could cover {$800.00} of the cost and I would have to pay the balance. Of course, the charges were out of my budget, since I only have a part-time job that doesnt pay much. My only recourse was to Voluntarily Surrender the car and took a loss of not having a vehicle to drive 56 miles to and from work daily. Please find enclosed documents that corroborates my claim to Voluntarily Surrendered the vehicle. Note! After extensive research on the XXXX XXXX XXXX XXXX XXXX I found out that this car was the worst model that this company has ever made. Consumers have been complaining about electrical problems causing loss of power and eventually cutting off head lights and power inside the car. The car also has problems with Water Leaks on Wiring Harness
01/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18966
Web
Myself and my husband opened up gym memberships one day at XXXX XXXX in XXXX PA. ( Now using collections from FIRST CREDIT SERVICES Sometime in about XX/XX/2018. And the girl working was new and nobody else was at the desk with her and she did not know much about the program at all. She didnt even give us a tour. Or give myself an actual membership card to ever even be able to come in and use the gym if I had wanted to. Well this wonderful employee they have working for them didnt even give us anything to read with the terms and conditions of the one year contract she had us sign, ( we didnt know at the time we ever digitally signed/initialed for that apparently ) even though she told us it was month to month, and we didnt know anything else because we were doing it all on her XXXX and the only things we were able to see was the part where we filled in our information and then put in our credit card and then initials. And then when we received our welcome emails we found out that it was NOT just $ XXXX month to month and I found out the terms and conditions to get out of the agreement which was that we had to mail them a handwritten letter, asking to terminate the membership and signed with all of our information on it. Which we did. Both of us. We called up to the gym, about a week later, we asked if they received it. They said yes and said it had to be transferred up to another certain office for it to go into effect but THEY DID CONFIRM THAT WE HAD WROTE THE TERMINATION LETTER CORRECTLY AND SENT IT IN ON TIME. ( Neither of us EVER ONCE USED THAT MEMBERSHIP, AND NEVER USED THAT GYM ) because we thought it got canceled. Nobody ever tried to contact us to say that our termination of the membership didnt go through. Nobody ever tried to call and say hey your payments arent going through for the {$20.00} a month. ( Because now we have a bank account instead of just prepaid cards due to the bankruptcy being taken care of ) They have our cell phone numbers on file. They have our email addresses. And our home address. So why wouldnt somebody try to contact us at least ONE TIME before they send us to collections over something we thought was done over with and taken care of MONTHSAGO!!?? And now all of a sudden when were finally fixing our credit they want to charge BOTH OF US {$280.00} each? Why havent they contacted us one time? If they did, and we would have known they never did anything to terminate our memberships, ( even though we did everything we were supposed to ) and they were still gon na charge each of us almost {$300.00} and ruin our credit then we would have actually used the membership and just paid the monthly fee all along. So this is a case of XXXX XXXX NOT DOING THEIR JOBS. And also the membership is supposed to be for a year long. And it hasnt even been a year yet. We signed up in XXXX of 2018 I believe. I will have to go back and double check. But I dont owe these people anything. I never used their gym. And I sent in my cancellation letter just like the terms and conditions tell you to do. And XXXX XXXX OF XXXX PA has THREE PHONE NUMBERS, TWO EMAILS, AND AN ADDRESS TO BE ABLE TO CONTACT THE TWO OF US. WE WANT THIS OFF BOTH OF OUR CREDIT REPORTS. And Im calling the XXXX, and then Im calling corporate on the XXXX location. And then Im going to make sure they have the worst reviews in all of this area and theyre going to lose a lot of clientele because I know quite a few people who go there but will stop when they find out my credit score dropped over 30POINTS ALL BECAUSE OF THIS!!! And Im sure this happens to so many people who have their credit messed up all because of LAZY BUSINESS SUCH AS XXXX XXXX!!
03/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20001
Web
I really need assistance with a past due charge at XXXX XXXX XXXX that needs to be removed and reported as an invalid debt so it is removed from my credit score. The charge was for {$100.00} ( two months of gym membership after my membership was cancelled ) and has been sent to collections. XXXX XXXX XXXX has been completely negligent in failing to respond to me as I tried to work to clear this charge. Here 's a short recap of correspondence : XX/XX/XXXX - I wrote an email to former manager XXXX XXXX about a balance I was not aware of after I had ended my membership ( XXXX is no longer a manager at that location ). XX/XX/XXXX - XXXX replied saying he can not remove it. XX/XX/XXXX - I replied to XXXX with more information. XX/XX/XXXX - XXXX replied asking for additional documentation. XX/XX/XXXX - I replied providing more information about the situation. No Response from XXXX XXXX [ after this I thought XXXX had removed the balance. I never heard from him and did not receive any further notifications from XXXX XXXX XXXX. ] XXXX - received a notice from Collections. XX/XX/XXXX - visited XXXX XXXX XXXX street. Learned XXXX was gone. Spoke to XXXX XXXX about the issue who said to forward the emails and he will see what he can do. XX/XX/XXXX - emailed XXXX. No Response from XXXX XXXX. XX/XX/XXXX - emailed XXXX. XX/XX/XXXX - XXXX replied that the charges could not be removed. XX/XX/XXXX - I replied to XXXX with further explanation and requesting response and connection to a XXXX. No Response from XXXX XXXX. XX/XX/XXXX - visited XXXX XXXX XXXX street again. Spoke to new manager XXXX XXXX who said to email him and he will see what he can do ( XXXX is no longer at this location ). XX/XX/XXXX - wrote XXXX XXXX summary email. No Response from XXXX XXXX. XX/XX/XXXX - wrote XXXX to check in. No Response from XXXX XXXX. XX/XX/XXXX - wrote XXXX to check in. No Response from XXXX XXXX. XX/XX/XXXX - visited XXXX XXXX XXXX street again. XXXX and XXXX no longer managers and there is no current manager, got another gym manager 's email. XX/XX/XXXX - emailed manager XXXX XXXX. No response from XXXX XXXX. XX/XX/XXXX - emailed XXXX again to check in. XX/XX/XXXX - XXXX called and said there is nothing he can do. The original charge : I called the gym to cancel and was informed that I could not cancel by phone, however I explained that I was travelling and was not able to come in person to cancel. From that conversation I thought that my membership was cancelled, and removed my direct account so that I was no longer making monthly payments. I later realized XXXX XXXX was still trying to charge me for the subsequent two months. When I got back in town I came in to the gym and explained what happened. After filling out cancellation paperwork I spoke to an employee there and explained the situation, he said to email the manager XXXX XXXX and said that XXXX could take care of the past due charges. I emailed XXXX. He replied and said that he could not remove the charges. I wrote back and provided additional information. XXXX never replied, and I stopped receiving notices of past due charges for months, so I thought he had taken care of it and the charges have been removed. Without any further notice or requests from XXXX XXXX XXXX, I received a notice from a debt collector two months later. I've been trying very hard to get this taken care of and XXXX XXXX has been completely unresponsive and when I go in or call I just get the runaround for months now. Please help! I'm happy to send any of the email correspondence.
02/27/2019 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title & Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
02/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78109
Web
I opened up a membership at XXXX and had my husband on the account also. I do n't go to the gym but he lives there, we were under the impression that every time he paid his bill mine was getting paid also. Apparently this was not the case. Only his membership was getting paid. He did end up taking about a month off working out in which time we moved. In XXXX when he was able to continue his workout routine he updated his billing information and asked how much he owed. This amounted to a little over XXXX we were both surprised and thankfull, I began to go to the Gym with my husband in XXXX. After about a week of going to the Gym everyday I found out from a rep at the converse location last friday XX/XX/2017 that my account was no good and that i owed a balance of XXXX I asked if our accounts are connected how the XXXX did the balance grow like that when he 's going to the gym all the time and my new card to the account in XXXX. He advized me that the account update should have updated mine also. He referred me to corporate to figure out why it did not and told me it was their mistake. He was very helpful and nice. Not the case with the corporate office. Oh and then I also got a call from a collection agency they placed my account in collections! I was livid that they would do so. When I called corporate on XX/XX/2017 and spoke to XXXX i was told that the last payment date on my husbands account was XX/XX/XXXX but they term'ed his membership on XX/XX/XXXX yesterday. What the XXXX you take my money and term his membership and that mine is pending termination. How can mine not be terminated already if it 's in collections!!!!!!!!!!!!! His was terminated for MINE being over 120 day 's past due. She told me that when an account is updated for an ADD-On it does n't transfer to the primary only does it automatically when done for the primary. This is opposite of what she had said earlier she also stated that our accounts were separated in XXXX but could not tell me why. I asked to speak to a supervisor. The suporvisor got on the line and confimred that add on does n't auto update the primary asked how there could be such a past due when he came in in XXXX said he wanted to pay his past due and they said he owed onbly a little. She said that when our accounts separated his past due stayed with mine so that made his billing when he updated in XXXX only for XXXX and XXXX that 's it. I asked how he was able to add MY card to HIS account if it was separated at that time. She said he should n't have been able to since it was my card. She asked if I wanted to update my billing info I asked how it would resolve she said my payment would auto process for the XXXX they claim I owe I said XXXX no. if anythign I should dispute the payments my husband made how can you say our accounts are separate now but say that you terminate his because of mine when he 's paying, how can you debit my card for his accoutn then cancel him XXXX days later? I asked for a manager she said she is one she offered to waive 3 10 dollar late fees. I laughed, you want to waive 30 in fees when i owe a balance that should already have been long since resolved if not for the misinformation provideed by mulitple employees for this company. She said in order to speak to someone higher than her I would have to submit the request in writing. total bull.
07/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20002
Web
I held a XXXX residential internet account for 2 years that was added to a well-established existing XXXX wireless ( cellular ) service under a one-bill payment program. A couple of months before closing the XXXX residential internet account in XXXX of XXXX, the one-bill payment program was eliminated without my being notified. Consequently, I was behind in my payments for one month. At the end of the following billing cycle, I was notified I was past due when the current bill came and I contacted XXXX residential customer service to correct the situation and paid the account up to date. In XXXX, XXXX, I closed my residential account as I was leaving the area to travel indefinitely and paid the account in full as is required to close the account. In late XXXX XXXX, I received a notice that I had a balance of {$160.00} in collections. I contacted XXXX 's residential customer service again to resolve the issue and none of the multiple representatives I spoke with could identify the source of this past due amount. They referred me to the XXXX wireless customer service department which was also unable to identify or account for the past due amount. Ultimately, I spoke with a manager who, being unable to confirm on their end the funds were absent, agreed I should and would not be held liable for the amount in question. She assured me she would update my account accordingly and relay the information to the collection service. Late XXXX XXXX, I received another collections notice from XXXX XXXX concerning the same {$160.00} that I was assured had been resolved months ago. I spoke with a XXXX rep on XXXX XXXX who was unable to help me as XXXX is only carrying out the collections process of a billing error originating with XXXX. So I contacted XXXX 's residential customer service department once again. After repeatedly explaining I needed to speak with a manager and that XXXX would not be able to help me as the problem originated with XXXX, the representative still transferred me to XXXX to sort out the situation, citing that the account had been purchased by XXXX rendering XXXX unable to help me. Fast forward to XXXX, I 've received what I believe is now the XXXX collections notice ( each of which came from different agencies and none of whom could identify the source of the debt and all of them received my dispute information and agreed I was not liable ). I do not have all of the collections agencies names as some of my paperwork was lost in my most recent XXXX move but I do have the letter disputing the XXXX claim, a claim I received from the XXXX or 5th agency XXXX and the contact information for First Credit Services, the most recent agency that has acquired my phantom debt. I do not have a problem with the tactics these companies have used to collect this alleged debt. I do have an issue with it 's continued transference from XXXX agency to another in the face of my repeated attempts to dispute it and their repeated acceptance of and agreement with my evidence. During my search for information concerning this issue, I 've found countless other XXXX account holders who experienced the same exact problems. Whether it has perpetuated itself as long as mine has or they just gave up and paid I can not say, but I will not pay twice for a service when I have proof I paid it the first time.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30281
Web
First Credit Services, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
10/05/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • XXXXX
Web
I received an email from XXXX XXXX, indicating that I had an open collection reported to my credit report on XXXX. I pulled the report to learn that it was a collection from XXXX XXXX XXXX in the amount of {$240.00}. I immediately contacted XXXX XXXX XXXX because I had no idea that their was even a balance with the company. Of course they could n't provide me any information because the file was already sent to 1st Credit Services. The rep provided me with the phone number and I called immediately to pay the debt in full. I did not take the time to verify this debt because I am set to go to closing on my new home and just wanted to get it taken care of. I spoke with XXXX at 1st Credit Services and let him know that I was making a payment, using my husbands card. I called my husband with XXXX on the phone to get authorization. Once my husband disconnected, I provided the information and the debt was paid. I sent a message to my loan officer to inform him that I received a collections alert, although I never received a letter and paid it in full. I was told that me not receiving written notice was in violation of the Fair Credit Reporting Act and to call them to request that it be removed. I did just that! When I called and spoke with XXXX. I explained to him that I never received a letter and would like for them to remove the collection from my credit report, since they are in violation. I verified my address again! He states that numerous letters were sent to me and returned by the post office. I said " so you are confirming that I never received the letter, on a recorded line ( XXXX XXXX ). With this information can you please remove this? He tells me no and states that the letters were sent back because they have the wrong zip code and that I should have asked for the letter before I paid the debt. I was transferred to his supervisor, XXXX and he told me the same thing. He added that they did their part and it 's not their fault that the information was sent to them incorrectly from the gym. I explained the situation and he said that he will not remove it. I then told XXXX that I would pursue legal action and we disconnected the call. I contacted XXXX at XXXX to request copies of the letters that were sent to the wrong address, to be sent to my updated address. He asked that I verify my address, which I did. He first offered to email the letter to me, then I stated that I want all the letters that were returned, with the original dates they were sent to me so I can provide them to my lawyer. I was then transferred to another supervisor. This gentleman states that " They can only send letters once and the address and zip code I verified is what they have had on file the entire time ''. I said, XXXX updated my address today. If the address was correct the whole time, why were my letters returned? The response I received was this " I do n't know, maybe it was a postal issue or more likely, you sent them back because you knew we were trying to collect a debt ''. I was livid at this point and told him that it was disrespectful for him to accuse me of sending letters back and that I would be consulting my legal team on this matter.
07/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web
In the summer of XX/XX/XXXXmy ex girlfriend had a work fair at her company and vendors came and offered deals on different products. One of the vendors there was XXXX XXXX. The salesman informed her that it would be ok if she signed me up for a membership even though I was not present and we are not married. I never agreed to this and was not aware it had taken place until she informed me at a later date. When I showed up at the gym for the first time I was never given a contract nor did I ever sign any terms or conditions. Furthermore, the only information I ever received verbally from any employee was that I was not in a contract and I would be charged month to month. The last month that I paid for in full was XX/XX/XXXX. The last time I visited the gym was XX/XX/XXXX. I decided to stop using the gym as I was unhappy with their customer service. When I first received the email from the company telling me that I was late on my payment for XX/XX/XXXX. I explained to them that I never signed any contract and that I was never instructed verbally that I was responsible to notify them of cancellation. I was under the impression that month to month meant that if I didn't pay for the upcoming month my membership would be cancelled until I renewed. Since I had not used any gym services for the month of XX/XX/XXXX( since XX/XX/XXXX ) I did not think it was fair that I should be charged for services I did not receive. I was then told that I had signed a contract because XXXX XXXX ' policy is that every customer is required to sign a contract before they can start using gym services. I explained that I never signed any contract and therefore could not be held to terms and conditions that I never agreed to verbally or in writing. I was then told that it didn't matter and even though I had not used any services since my last payment that i would be reported to a bill collector if I didn't pay. Which brings me here. I have requested from both XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX and First Credit Services Inc. - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, to provide me with the contract where they claim I agreed to their terms and conditions. I requested this information in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I still have received no response. They just keep telling me that since my girlfriend signed for me that I'm responsible. They have also reported this to my credit report already even though I have repeatedly disputed the charges. It is my understanding that I have to sign a document in order to be held to its terms and conditions. Since I was never given the opportunity to do so, I don't think I should be penalized. Especially, since they are asking me to pay for services I never received. I think this is a major problem in our society of companies taking advantage of the little guy even though they made a mistake by not following their own rules. Please help me and all the other little guys by not allowing this injustice to take place. I would like this removed from my credit report and the charges dismissed.
10/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75149
Web
Immediately after receiving a notice of " attempt to collect a debt '' I wrote the collection agency, FIRST CREDIT SERVICES via certified mail requesting DEBT VALIDATION. In addition I gave them a phone call advising them that I do not owe any debt to them and asked that they provide DEBT VALIDATION ( proof of how I owe the alleged debt and how they came up with a combined balance of {$360.00} as they are reporting on both my and my partners account saying we owe a balance of XXXX each. ) I owe no debt to this collection agency. I have no contracts with the collection agency, contracts must be SIGNED in order for them to enforced. I advised FCS that I owe no debt to the party that they're representing. As per my contract with XXXX XXXX I had to give a 30 day notice of request to cancel. I followed all instructions given by a representative at the XXXX, Tx location. I wrote my request to cancel to the following address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in XX/XX/2018. Advising XXXX XXXX that I would like to cancel my membership and asked that the cancellation be effective immediately. In XX/XX/2018 I noticed they were still drafting funds from my account. I called the number given back and let them know they're still drafting funds from my account. I called and reminded them that I sent a notice to cancel the previous month and advised them not to pull from my account again. I also called my bank to stop the drafts from the cancelled contract. In XX/XX/XXXX and XX/XX/2018 I received a billing statement from XXXX XXXX asking that I make a payment for I believe the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This prompted me to call nd write XXXX XXXX and remind them once more that I cancelled my contract and asked that they stop sending me billing notices as I cancelled my contract in XX/XX/2018. Recently, I noticed that FIRST CREDIT SERVICES placed this debt on my credit report. The refused to answer to my request of debt validation and is in violation of the FDCPA as they have refused to provide the information and details such as how they came up with amount owed after my advance 30 day notice to cancel? A contract proving that I agreed to pay after dues after I gave a request to cancel. I demanded that they delete this inaccurate and false information off my credit report. They reported it knowing that it was inaccurate and false as I mentioned it to them. They are in violation of the FCRA/FDCPA! XXXX XXXX has serval bad reviews on the XXXX website for this same reason. They use a third party to take in cancellation request and somehow it never gets taken care of, how strange ... I think it's a tactic to keep consumers in contract and take their hard earned money. I did what I was asked per my contract terms and I demand that FIRST CREDIT SERVICES delete this inaccurate information from my credit report! It has hurt my scores and makes me look bad in the eyes of my creditors.
09/12/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07017
Web Servicemember
On XX/XX/XXXX I signed up with XXXX XXXX XXXX in XXXX XXXX, NJ near my home ( XXXX XXXX ), due to being a XXXX XXXX for the City of XXXX XXXX, this location was convenient for me. I signed up with the XXXX XXXX in a contractual agreement for a monthly payment of {$31.00} during the pandemic. The contract was very specific indicating that : { If the XXXX 's facility is closed for a period longer than 30 days through no fault of the Member, the Member is entitled to either extend the contract for a period equal to that during which the facility is closed or to receive a prorated refund of the amount paid by the Member under the contract. } This particular location was officially closed for good on XX/XX/XXXX without prior notice to its members. The company never reached out as stated in the contractual agreement via phone, text, email, nor US mail that I agreed to receive if major changes was to effect this agreement. Payments were successfully deducted from my account from the initial date of entry up until XX/XX/XXXX through XX/XX/XXXX. Within this time, I have been making every attempt to speak with someone to honor the contract agreement and refund or prorate my payments as stated in the contact since the facility did in fact close and never re-opened. No one seem to have an explanation to their own contract. Therefore, I removed my debit card before the payment of XX/XX/XXXX and continued to reach out to the staff along with XXXX XXXX XXXX but unfortunately they was not able to address my complaints. I signed an agreement for this location in XXXX XXXX New Jersey. Due to no fault of my own, this fitness facility currently remains closed. Prorated benefits are issuances of less than a full month 's benefits. At no time after closure, did I receive any prorated benefits as stated within the contractual agreement? Each credit card statement ( see attachments ) reflects the full monthly benefits even after the gym was closed, never to reopen, they continuously removed funds from my account. Also I have a unjustified negative collection on my XXXX credit report from [ First Credit Services ] assaulting my once stellar credit profile for the amount of {$140.00} which is inaccurate if the policy within the agreement was honored to prorate payment after closure. According to the XXXX XXXX XXXX, there are unique cases with this company, XXXX XXXX, however, whats very unusual is the amounts individuals are complaining about is roughly the exact amounts of {$150.00} during the Covid-19 Pandemic as if this company was illegally pulling funds in the same amounts to survive. Along with another inaccuracy listed throughout the entire contract. The address of XXXX XXXX as listed throughout the contract XXXX XXXX XXXX XXXX XXXX, NJ XXXX as their primary location address. But this is NOT their actual address, That address is XXXX XXXX address. So how can anyone successfully send a notice of cancellation?
05/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33313
Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This FIRST CREDIT SERVICES account with a balance of {$220.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
08/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75231
Web
XX/XX/XXXX my husband and I cancelled a gym membership with XXXX. We were moving to a new home and would no longer be located near the gym. We were told that after one more deduction from our bank account the membership would be terminated. However, two months later we were still being charged. We then went up to the gym and were told somehow the cancellation was not showing on file and we needed to process another one so we did. During that time the owners changed to now XXXX XXXX. We were told that the membership would be cancelled immediately and were given tons of apologies this was on XXXX/XXXX/XXXX. Assuming the membership was cancelled the following month we saw another debit attempt to come out of our account ( overdrafting it by the way ) so I called the bank and cancelled the payment and blocked the gym from being able to debit from our account again as this was the only way we could think to stop it. Fast forward to XXXX XXXX and I receive an email from XXXX stating that NEITHER ACCOUNTS HAD BEEN CANCELLED. I then sent him and email back stating that we had cancelled the memberships twice and that we did not owe the XXXX dollars they were attempting to collect from us. After that I went up to the gym AGAIN and was told that the cancellations were on file and that it would take some time to show in the system and disregard the collection activity. Since we had been lied to before this did not settle well with us. I sent an email to the company stating that I was refusing any debt and would like someone to look into this matter immediately and remove our names from any collection activity. After further research we were told that actually my husbands membership had been cancelled but mine had not and after 90 days it would be sent to a collection agency and reported on my credit report. Needless to say it was. I have emails from them and myself to show that his matter has not been addressed and they are refusing to take this account off of my credit report even though my Page XXXX of XXXX husband and I cancelled on the same day at the same time and somehow his was cancelled and mine was not. This is unlawful and I have spoken with the credit reporting company called First Credit Services and get people who I can barely understand and they can barely understand me. I need someone to come in and help me with this nightmare and have my name taken off of their system and also off of my credit. I Called the company and that the only way it can be deleted is if I pay the total balance which from my understanding is also against the law. I have records of this dispute and have yet to have my grievance looked into. I believe this company lost records or something during their new owners transfer but I will not suffer because of it. We did everything right and everything they told us to.
06/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32811
Web
To XXXX XXXX & First Credit Services : During this pandemic in which I have been out of a job, I can't believe that I am actually being charged fraudulently by a company that made cancelling their membership confusing and complicated ( which I can find other members to agree with me ). This complaint is regarding account # XXXX, which you claim you're collecting a past due obligation of {$540.00}. This is a formal notice that your claim is disputed. It was a hassle to even understand XXXX XXXX pricing because nothing is made available online or printed in person to review, which was always scammy to me but now it makes sense. Fraudulent debt collecting is how you make your real money and you wont be getting over on me. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via XXXX reviews, XXXX reviews, an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
03/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 490XX
Web Servicemember
My wife and I are both Military Veterans and opened a gym membership with XXXX XXXX in XXXX, NC. I believe about 2 or so months after opening the membership, a XXXX XXXX XXXX was declared and a XXXX XXXX was enacted due to Covid 19. The club was shut down for an unknown amount of time and the owner refused to allow us to cancel our gym membership without paying several hundred dollars more to break the contract even though they had been shut down by government mandate. They would only allow a one month pause. The owner then got very ugly when we tried to explain that being new members, we should not be financially penalized for a government shutdown that shut down the gym beyond our control. We were also members at another fitness center at this time who allowed us out of our contract without penalty due to the shutdown hindering our ability to utilize the facilities. We had just paid for the current month of our membership with XXXX XXXX when they were shut down. They told us they were offering online workouts so they would not let us cancel. I then explained that when we signed up for a membership we signed up for use of the gym not online classes that werent apart of the contract to begin with. We were paying a high amount for this membership. Because of the terrible treatment and the way we were spoken too, when the gyms reopened we joined another gym and had no issues. XXXX fitness then followed us on social media and stated that since we decided to join another gym they definitely would not waive the {$500.00} fee to cancel our account due to Covid shutdown. This was completely inappropriate for them to do. We decided not to continue our membership once the shutdown was opened due to poor treatment. That is our prerogative, then to have them basically stalk our social media and try to use that against us to again try and get undue fees out of us is horrible business practice. Come to find out this was a reoccurring issues from many other members of this fitness club who had also decided to switch clubs once they were all reopened by the state. They then sent it to collections and put it against our credit. They would only freeze our account and not cancel it even though we were paying {$120.00} mo. {$60.00} each for myself and my husband. They stated in an email that if you were experiencing financial hardships due to Covid to email member services. We did. We could not afford to keep paying for a costly membership for a gym we could not use. We understand they then offered online workouts but that is not the contract we signed up. We feel very taken advantage of and lied too because of being told different information by different staff members and then they tried to cover it up and say we were never told that. Which we were.
03/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 64081
Web
After submitting in writing in XXXX 2015 to XXXX to cancel services, they continued to charge my XXXX Credit card. We attempted to contact XXXX directly to reverse the charges and they were of no help. I contacted XXXX and XXXX investigated and returned the charge as unauthorized. Months later collection notices started coming directly from XXXX. I logged into my XXXX account on XXXX, their online account management system. In there, I discovered that every month after they were continuing to try and charge the account for the unauthorized charges plus additional charges and fees. On XXXX XXXX, 2015, a charge for {$450.00} slipped through XXXX filter. XXXX deemed this charge as unauthorized, as it was partially the charge they had previously rejected as unauthorized. Along with notifying XXXX of the unauthorized charges for cancelled services, I notified XXXX on that day that they made an attempt to collect unauthorized charges and asked yet again for them to zero out the account from these charges and close the account. After contacting them this time, and XXXX returning the charge, XXXX did XXXX the account out ; however, when I checked a month later, on XXXX XXXX, 2015, they had posted new charges to my account in late XXXX and again in XXXX. I again contacted them by email through XXXX disclosing once again these were disputed and unauthorized charges as I had cancelled back in XXXX 2015. Fortunately, XXXX did not allow the charges to go through, but XXXX was persistent and began the demand letters again. When I received the first collection notice from them this time, I found that they had cleared any messaging history between us from their system and provided no transaction history as was there for me to view prior to this new notice. Since XXXX was not allowing me to actually get charged, I did n't worry about it until I went through my mail today and had a collection notice from First Credit Services , Inc., attempting to collect the debt for these unauthorized charges. It is not a matter of not being able to pay this debt, it is a matter of the fact that the debt is fraudulent, not authorized by me, and yet contacting XXXX multiple times trying to resolve the issue, I could never get them to stop. I have wasted so much time dealing with this, it is not even funny. I am in the process of building a new house, and I will be damned if I allow a predatory service like this ruin my excellent credit and cause me increased interest charges due to hurting my credit. Not only should XXXX and First Credit Services write off the debt, they should be paying me for my wasted time.
04/29/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91304
Web
This is in reference to the fraudulent transaction that was concocted by XXXX XXXX for alleged unpaid gym membership. My children and I have not been to this gym for more than 13 months. I was a member along with my children of XXXX XXXX. We paid on a month to month basis and all dues were paid. On XX/XX/XXXX, I sent an email to the manager to put a freeze to the account due to coronavirus restrictions. Exhibit 1. ( XX/XX/XXXX email ). I received an email on XX/XX/XXXX from the manager saying that even though my family and I were not using the gym and there was a nationwide shut-down due to coronavirus that the accounts will still be charged and will be refunded. ( Exhibit 2, XX/XX/XXXX email ). That did not make sense to me. I objected to it and responded that I had not been to the gym for almost a month and I requested again to have my account frozen. ( Exhibit 2, XX/XX/XXXX email ). On XX/XX/XXXX, I emailed the manager again as there had been a {$100.00} charge on my bank account even though I had not used the facilities. I asked again for my account to be frozen until XXXX or when it was safer for me to use the facilities. I disputed the transaction and asked my bank to refund the money which it did. ( Ex. 3 XX/XX/XXXX email ). Then on XX/XX/XXXX, I received a letter from a credit reporting agency, XXXX XXXX XXXX XXXX XXXX notifying me of an alleged amount of {$1200.00} that I owed XXXX XXXX of XXXX XXXX. ( Exhibit 4 ) .This was a shock to me as I had never once received any bills at my home of any such dues. Believe me, it would have been disputed had I received one. I do not owe any money to the XXXX XXXX. I and my family have not used the services since early XX/XX/XXXX and all our monthly dues were paid up until then. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have disparaged my name and ruined my credit based on a fraudulent Business Practice of billing unsuspecting gym members to scare them into paying them for services that were not used. This is an unfair tactic and a fraudulent Business Practice and constitutes harassment. I am being harassed for an amount that I do not owe and my name and information have been sent to the collection agency and to the credit bureaus thereby ruining my credit and my standing with other creditors. I am demanding a retraction that states that XXXX XXXX made an error in reporting my account to the credit bureaus and for a retroactive fix to my credit for all the months that were affected during this period and I want this debt to be eliminated. This retraction should be sent to the three credit bureaus with a copy to me.
08/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02720
Web
HI FIRST CREDIT SERVICES/XXXX XXXX XXXX XXXX XXXX for both accounts of {$110.00} and {$110.00}?!!? ( for account # XXXX & XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07860
Web
On XXXX XXXX, XXXX, I enrolled my son in a mixed martial arts program and signed a billing agreement with XXXX to make monthly payments until XXXX XXXX, XXXX. Roughly two months into the program, my son decided he did n't like the instructor nor the classes and stopped attending XXXX. I spoke with XXXX and they refused to let me out of the contract, so I continued paying the monthly fee ( a total of over {$1000.00} ) even though my son was not taking the classes anymore. In XXXX XXXX, XXXX went to the doctor for an unrelated injury, and the doctor ordered him not to participate in any physical activity until after XXXX XXXX of that year. Realizing that we now met the cancellation terms of the XXXX contract, I immediately notified XXXX and XXXX of the doctor 's orders, and attempted to cancel the contract. The only requirement left was to submit a " XXXX '' which I needed to obtain from them so my letter requested that they contact me immediately if I needed to do anything else to compete the request. I NEVER heard from them so I filed away my paperwork, assuming the matter was concluded. XXXX XXXX I received a " Default '' letter from them which prompted me to immediately contact them and remind them of my cancellation notice. They then told me that since my son 's physician did not complete a " XXXX Form '', they would not cancel the contract. We then went back and forth over this issue a few times, and I was receiving so many phone calls from them at all different times of day, it was interfering with my job. We were clearly at an impasse and I became frustrated so I told them not to contact me anymore. Suddenly, after 2 years of no contact, I have been receiving daily phone calls from First Credit Services, ( XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ) attempting to collect over {$1000.00} from me for non-payment of this account. According to them, if I do n't pay them immediately, they will severely impact my credit. I have not received anything in writing from them, just the daily phone calls. I am at a loss at this point and do n't know what to do. I believe that I fulfilled the terms of the cancellation with the exception of submitting a " XXXX '' but they never sent me one to fill out. I also believe that their insistence that my son 's doctor complete a " XXXX Form '' is not a required component of the contract I signed. form. I respect the sanctity of the contract, but I also do not want to give them anything that I did not agree to. I would appreciate any assistance you can give me resolving this matter.
06/14/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • RI
  • 02852
Web Older American
I initiated the MONTH TO MONTH membership XX/XX/XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Pennsylvania. I spoke to the " manager '' named XXXX. I explained to her that I didnt want to use the Gym equipement but only required the use of the showers. I then explained to her AGAIN that I only required the use of the showers for a month maybe two at the very most. She said yes I could do this on a month to month but I still had to agree to the automatic payment withdrawl from my account. I used the facilities approximately 4 or 5 times!! Each time I was there the bathrooms were not clean .... in fact they were terrible. There was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. upon 2 returns to the facility it was still there. Very nauseating to say the least. My final visit there Itold who ever was on duty.. some other unhelpful person.. that I was cancelling my MONTH TO MONTH agreement and he said I would have to talk to XXXX. I then called XXXX and she said I had to come in. To accomadate her wishes I came in. I believe it was the last week of XXXX or first week in XXXX only to have her say that I would have to pay for the whole year because of cancellation. Well ... ... ... ..I completely and utterly disagreed with her as to what agreement I had made and which she agreed to. I said FIRST of ALL XXXX! ... ... .I said emphatically in no way shape or form would have agreed to a full year member ship ... .as I SPECIFCALLY SAID I DO NOT WANT A YEARLY MEMBERSHIP. Finally after all this in her infinite wisdom pulled up my account on the computor ( which should have been immediate! ) As to when she finally agreed that in fact YES these were the terms of the agreemnt. To which she offered no apologies what so ever... the only reply was that shes " busy dealing with hundreds of people during a week ''. Which in my opinion is a very poor representation of this company and absolutely the poorest of customer relations. I then after reviewing my bank statements this is what I have for the dates involved. XX/XX/XXXX {$49.00} withdrawn for initial agreement XX/XX/XXXX {$29.00} withdrawn for montly agreement XX/XX/XXXX yet YET ANOTHER {$29.00} withdrawn???? I then see a charge for another {$29.00} withdrawn from my account on XX/XX/XXXX. This is the point as to where I had called my bank and put a STOP payment on my account and the result was a demand payment notice from First Credit Services Inc . for the amount of {$260.00}. This is not my bill. They are now trying to scam me out of monies not due to them.
05/11/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30041
Web
1 ) I have canceled this membership twice by providing my ID to cancel this membership as required per the membership agreement with the XX/XX/XXXX XXXX. This was done in person. 2 ) On XX/XX/2020, I received an email and call from XXXX XXXX XXXX XXXX and disputed the charge. I reiterated I had canceled the membership long before this charge. I further requested that communication should be done in writing as I was spoken to in an inappropriate tone. I never received another communication. The employee stated even if it was declined on the fact it was fraudulent we can still collect. I also notified the Federal Trade Commission at this time because of the attempt to collect a debt that was clearly fraudulent. I never received any further communication from XXXX XXXX XXXX XXXX. 3 ) This charge was billed to a XXXX XXXX XXXX credit card even though I had entered XXXX XXXX XXXX XXXX twice and provided my ID to cancel this membership. I initiated a fraud chargeback process as this was not a legitimate charge. I won this case and was refunded the amount plus additional charges including interest to my credit card. 4 ) I received a call from First Credit Services and further stated no communication is allowed via phone. It is to be done in writing. I also explained this debt was because they attempted to charge my card and it was deemed fraudulent. I stated no verbal communication because the company threatened this would damage my credit and be reported event though it was deemed fraudulent. Is it common practice for First Credit Services to attempt to collect on charges that have already been deemed fraudulent or not valid? According to the FCRA, this practice is deceptive and reportable. XXXX XXXX XXXX XXXX knew the account had been closed, the bank concurred with the finding the account had been closed yet XXXX XXXX XXXX XXXX and First Credit Services Inc are attempting to collect on a fraudulent basis. I have notified the three credit bureaus with this information. I have also contacted the following agencies to report this incident Consumer Financial Protection Bureau, the Georgia Governors Office of Consumer Protection and the Federal Trade Commission. 5 ) A letter disputing this debt was mailed to both XXXX XXXX XXXX XXXX and First Credit Services on XX/XX/2020. No response from that letter was received. On XX/XX/XXXX, the account was added to my credit file even though I was disputing the debt in writing with the original debtor and the debt collection company.
10/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
Hi First Credit Collections Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
HI First Credit Services - HOW RE YOU? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
03/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
Happy Friday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
09/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
03/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02703
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02721
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 023XX
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02720
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/15/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77084
Web Older American
I have received a bill for {$120.00} from FIRST CREDIT SERVICES , INC. on behalf of XXXX XXXX XXXX XXXX, TX. The debt is supposed to be an outstanding balance. I cancelled my membership with the XXXX XXXX earlier this year due to another issue I experienced with them over my wife and sons membership. I had to cancel twice via XXXX XXXX XXXX website which is where one has to terminate the service. The first time $ XXXX/month continued to leave my account, a desk representative in the XXXX gym said that it can not have registered in the system and to try again. I tried again and this time I was rewarded with a message telling me that I could expect to see another {$10.00} go from my card before the account was finally closed, this should have been the XX/XX/XXXX payment. This duly happened and I thought the account finally closed. A month later, in XX/XX/XXXX another {$10.00} went from my card, this is when I called XXXX and told them I was disputing the payment and to not make anymore to XXXX XXXX - XXXX, TX. The XXXX payment was cancelled by the bank. From the date of the cancellation until now, I had not heard from XXXX XXXX - XXXX, TX, they permitted the bill mount up and then turned it over to FIRST CREDIT SERVICES , INC . There seems to be something fraudulent where one can only cancel a " service '' via a website controlled by the service supplier. I have experience of going onto the XXXX XXXX - XXXX, TX website on two occasions and my cancellation ignored. There is no guarantee of achieving success in their system. I have a prior experience with XXXX XXXX XXXX - XXXX, TX which was very hard to cancel inXX/XX/XXXX.There was no website and I finally had to send a recorded delivery letter to an address in Florida to have my account closed. Why did I join the XXXX branch? My wife signed me up as a surprise when I was out of the country, and as I was already enrolled, I used the gym when I was in town. Last year, XXXX, the gym failed to update my wife and sons payment details when I presented my new credit card at the gym, a huge bill for the pair of them was ran up with no notice given. I decided to pay their bills and resign myself, this is where we are now. I called the FIRST CREDIT SERVICES , INC. and spoke to a representative on Tuesday XX/XX/XXXX. He told me to write a letter to their office at XXXX, NJ. This has been done and we await a response.
01/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 756XX
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious 1ST CRD SRVC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
01/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • GA
  • 30542
Web
The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. Thank you.
11/08/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 076XX
Web
In XXXX of XXXX, I received the first phone call from FirstCredit Services, a debt collection agency based out of XXXX NJ. They informed me that my previous XXXX, XXXX XXXX in XXXX NJ, had sent my account to them for an unpaid balance. I asked if they could send me the documentation, as I had left the gym 4 months prior and had settled the account when I did. They never sent me any documentation, but continued calling me. I have received calls as early as XXXXXXXX XXXX EST, to as late as XXXXXXXX XXXX EST. I received, on average, 18 calls a week from FirstCredit Services. I told them multiple times to stop calling me so early and so late, but they did not stop. They kept saying they would send me the documentation from XXXX XXXX, but they did not. I then sent them a formal letter asking for documentation in XXXX of XXXX. They did not respond for 2.5 months. Of course, if they dont respond within 30 days my understanding was that they would have to remove the collections. But they did not. When I told them I wanted them to fully stop contacting me in XXXX of XXXX, they finally sent me a letter. While the letter was addressed to me, it was a debt collection for someone named XXXX XXXX in XXXX NJ. The enclosed documents explained how she moved to XXXX from XXXX, and thats why she was trying to cancel her gym membership and declined to pay. To this day, I have never received any information from FirstCredit Services regarding their alleged debt to XXXX XXXX. In the most recent phone call on XX/XX/XXXX, they informed me if I did not pay the debt they threatened to submit a request to decrease your credit score. I am not sure if that possible, but I once again told them to stop calling me. A common theme with FirstCredit Services I have seen is that they are violating the Fair Debt Collection Practices Act by : ( 1 ) calling before XXXX and after XXXX ( 2 ) sending me other peoples private debt collections ( 3 ) calling me 18 times a week ( 4 ) not sending me documentation after being formally requested to do so ( 5 ) not removing the collections within 30 days of not sending me the requested documentation ( 6 ) continuing to contact me after being requested not to I ask that the debt be removed from my account. Please let me know if there is another way in which I can report this agency for their behavior.
08/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33462
Web
XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
12/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91303
Web
I am reaching out to you because I have tried multiple times before to solve this issue with XX/XX/XXXXXXXX XXXX. Before the pandemic started I had a membership with them, then they closed because of COVID but they kept charging me so I called them to let them know the issue and to cancel my membership. They refused to cancel it over the phone and I was told I had to come in person to do it. Keep in mind, they are closed because of COVID, everyone was supposed to be in quarantine and they really asked me to come in person. Anyway, I did actually visit them 3 times and every time, nobody was available to cancel it. So I decided to call AGAIN and try to cancel it AGAIN while they were still charging my card. Oh, and lets not forget the time when they charged me {$420.00} by mistake and couldnt refund it back to my card so I had to dispute the transaction with my bank. Anyway, this time I told them that they needed to cancel my membership and I did everything in my power to do so but they were not helping at all and were being very difficult. It seemed to me like they did not want to do it so they could keep charging me. So apparently I finally got a hold of someone who said they had already cancelled it and that I shouldnt be charged anymore. BUT, the next month they charged me double the amount of my membership. So I called and their response was that it was an annual fee for equipment maintenance. At this point Im very frustrated already. I thought my membership had been cancelled I said, so I found out that it had not been cancelled and I was still getting charged. So, i asked again to please cancel it and refund me my money, they said they couldnt do it. So I went to my bank and disputed the charge AGAIN and called them back and CLEARLY told them they need to cancel the membership this time for real. And apparently it seems like to this day they have not done so because I received a letter from First Credit Services saying I owe {$300.00} past-due obligation. Really?? I need to speak to someone about this please because this is fraud. I dont know what else to do at this point. I have tried everything I could and this has gone way too far. I have proof of an email I sent to the manager back in XX/XX/XXXX asking them to stop charging my card and to cancel the membership.
07/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 334XX
Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/21/2019 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75253
Web Older American
I bacame a member of XXXX XXXX in XXXX, TX because It was closer to me than my regular gym. I had to memberships because of this issue. I had one with " XXXX XXXX '' and one with the XXXX XXXX. When I was becoming a member with XXXX XXXX I asked the Customer Service gentleman that was helping me that If I decided to move and wanted to cancel if this would be an issue. He said no, you can just come to the front and cancel. Well I believed what he said and of course signed all the paper work believing in what he was telling me that I was signing. When the time came for me to cancel, I did just as he told me, I went to the front desk and told them I wanted to cancel my membership because I have moved and I would be no longer coming to their gym. They said to me that is not the way they accept cancelations. The front desk attendant handed me a piece of paper with the instructions on how to cancel. I went ahead and called the company complaining to them that was not the way the gentleman told me I could cancel. They gave me the run around, I told them they can check I have not visited their gym. They continued to take out the membership dues from my bank account for a year. I went ahead after e-mails and calls to the post office with the letter they said I had to write why I did not wanted to be a member. I did and I got the certified mail as they instructed. Also called and finally I got a cancelation number from them. Then it was very disturbing receiving a letter in XXXX of this year telling me that I was referred to a bill collector agency by the name of " First Credit Services , Inc. '' to collect a debt of {$54.00}. The membership is {$10.00} per month, which the company should reimburse me for all the months that they robbed me. Still they are trying to get more money. My credit card was lost and I had to get a new one. Know they did not have any credit card number and so they decided to do this. I reported them to the XXXX and it was supposed to be taken care of, but it wasn't oviously taken care of. I would like for this business to leave me alone. I would love my money back, but I know for sure this will never happen. But at least to leave me alone with this collection agency. This is rediculous.
08/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me instead of my attorney
  • PA
  • 19142
Web
I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right.
08/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80205
Web
Hello. So about 4 years back I was part of a gym, XXXXXXXX XXXX XXXX in XXXX. When we moved from the west side of the city, to the east side of the city, I tried to cancel my month-to-month contract with the gym. This is where things became impassable. At first I went in, in person to cancel, but was repeatedly told the manager that handles the cancellations is not in. Of course I asked when they would be in next, but was never given a straight answer. I tried to call at least a dozen times, was given the same answer every time, the manager wasnt in. Theyre a meat head gym, so they dont have or use any emailing system. If they do, I never saw the address/they certainly didnt make it readily available. I vividly remember talking to my mom during this time and being extremely upset about the situation because I knew, eventually, it would come to this ( collections issues ). So, I was forced to contact XXXX XXXX and to have them deny the request for charges that way. Meanwhile, they were getting months of payments, while I wasnt using their service, and havent been there in 4+ years obviously. I was just rejected for an XXXX XXXX when technically, I see a XXXX credit scores as of today, because I have XXXX derogatory remark on all of my accounts, all from a month-to-month contract that I exhausted the means by which to cancel, many times over. I am so tired of dealing with the business and the collections agency. I have disputed the claim with the credit bureau at least twice, nothing. I refuse, absolutely refuse, to pay this bill. I did not over use any service ( they in fact got many many more months of payment when I didnt even go to theyre gym because we moved ), they refused to cancel my membership, then the pandemic happened, and they were completely shut down, I tried sending a letter to the gym, but obviously, it was returned because they were closed and not receiving mail.I have no idea what else to do. And again this was well over 4 years ago, Id be beyond shocked if even the gym has paperwork to support their claim. I have no paper trail because, again, they were closed due to the pandemic, and they had no email.
07/02/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30253
Web
To whom it may concern : I am filing a complaint against XXXX XXXX XXXX, in XXXX, New Jersey a collection agency that works for XXXX XXXX XXXX XXXX in XXXX GA. I've sent out several letters disputing this debt of {$83.00} inwhich I will upload for review ... 1st letter sent by certified mail on XX/XX/XXXX, 2nd Letter on XX/XX/XXXX and third letter on XX/XX/XXXX. After several attempts they responded with a letter asking for payment and a billing spreadsheet. This billing sheet shows my billing cycle which was from the XXXX to the XXXX of each month. I contacted XXXX XXXX XXXX requesting information on how to cancel the membership on XXXX XXXX and they responded back on XX/XX/XXXX on how to start the cancelation process. I sent the 30 day notice on XX/XX/XXXX and recieved a response as recieved on XX/XX/XXXX. All of these documents are included within this complaint file ..., This debt of {$83.00} is XXXX XXXX XXXX overcharging me for months of services after I cancelled the account. I had a XXXX balance when I canceled the account, as it states that in the letter as a requirement from them for me to be able to cancel membership before or on the billing date. They have begrudgently ingnored my letters sent ... they have broken several Federal Credit Reporting laws such as the FCRA and the FDCPA. XXXX XXXX XXXX and XXXX XXXX XXXX has caused me financial and Mental harm, by reporting this negative information with the credit bureaus, causing me to pay a higher interest rate for credit, Car Insurances, Store Credit, etc ... I have been denied becuase of my scores dropping due to there illegal practices. When reviewing the billing spreadsheets, you can see that we stopped payment on XX/XX/XXXX after I canceled the account, but they continued charging me. Our monthly billing was {$15.00} per month paid in advance for each month. There was no balance at the time we cancelled the account and we did within the guidel lines they submitted to me. I want them to remove this derogatory information from my Credit file immeadiately pertaining to this XXXX XXXX XXXX/XXXX XXXX XXXXs account. Kindest Regards,
09/29/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19087
Web
A gentleman by the name of XXXX XXXX called said he was with accounts receivable technology. He was calling with reference to a leased vehicle that I turned in over four years ago. He said I owed {$1700.00} and he would take a settlement for {$1200.00}. Proceeded to ask me if I had the money and if I could put it on a credit card. He talked very fast and he wouldnt let me get a word in edgewise and he was condescending and talking down to me as if I dont understand Finance and Leasing vehicles. The phone number XXXX. Ive never received any correspondence from him, he had my address, he had cell phone, and I asked him what was this reference to and he said it was with reference to a car I turned in that was damaged. I have never received any correspondence or information with reference to a car that I have turned in that was damaged over all of the decades of leasing cars. And thats when he proceeded to give me a lecture about leasing cars. Ive never received a damage report, never received photos of the damaged car, I have never damaged a car for that matter. I turned in the XXXX vehicle in XXXX Colorado XX/XX/XXXX, I walked out the same day after I signed a new lease agreement, traded the XXXX in, and I never heard another thing again. Until XX/XX/XXXX when Mr. XXXX called demanding money. I demanded that he send me in writing what he is referencing, I want pictures of a damage vehicle, I want proof that I damage that vehicle because thats not how I turned in the vehicle, it was inspected that day and I wasnt charged for anything. He asked me for my email and I said no you have my mailing address send me what you have in the mail. That was XX/XX/XXXX it is now XX/XX/XXXX and I have not received anything from him. I proceeded to call XXXX XXXX where I made that transaction in XX/XX/XXXX spoke to the finance manager, XXXX XXXX, he proceeded to call Mr. XXXX XXXX, Mr. XXXX XXXX would not talk to him. I still have not heard anything, I do not want this on my credit and I demand in writing with photographs and proof and verification of what this XXXX XXXX XXXX is talking about.
08/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 212XX
Web
XXXX XXXX XXXX XXXX were in XXXX XXXX XXXX XX/XX/XXXX. I was on my way to work at the XXXX there at the time. The gentleman stopped me to talk about the XXXX ONE MONTH FREE TRIAL. I told him I could not afford the membership and he then explained it 's completely free ; I do n't have to pay anything and I wo n't be eligible for a membership unless I sign up for the membership AFTER the trial. I thought I was signing a waiver to the ONE FREE TRIAL and the free T-Shirt. They began to charge me and I had never made it into the gym. I called, emailed, sent letters to this gym expressing my concerns and how do I get this off of my credit report. There was no help or solutions. I had been scammed into this debt trap. I am still facing hard times : no food in my home because I can not afford them ( nor can I receive food stamps ), my rent is becoming late, I have classes and student debt to pay for, utilities is coming up late, I am a ten month employee with no current income, XXXX not receiving any benefits or assistance and I am a single adult trying to survive on my own. The last thing I can afford to pay is a gym membership for a gym I hardly ever used and that scams innocent people into signing debt collection contracts. This debt was sent to a collection agency and which of course has negatively affected my credit score. Unfortunately, the credit bureaus and its partners are in the business of crippling Americans and eating away at the lower class to stay in debt. I can not afford any of this. I have XXXX and XXXX due to my financial crisis. I had to even file for Bankruptcy back in 2013. This third party continues to call and harass me for a payment in full. I am pleading with them to for a payment plan or a freeze or something so I can try to pay and possibly help my credit report. However, First Credit Services foreign employees continue to call and offer no help. Both of their foreign countries and USA employees have been very displeasing and uncooperative. I need serious financial help. Who do I contact for help?!
01/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93280
Web
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX XXXX. I call the local XXXX and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called First Credit Services and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX XXXX about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX XXXX and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how First Credit Services can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.
01/19/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02703
Web
The problem originated from an automatic billing system from XXXX XXXX XXXX in XXXX, SC. I moved from the area in XXXX XXXX to the XXXX. On XXXX XXXX, XXXX I thought to cancel my account after receiving bill notices. I paid a Balance of {$69.00} to XXXX XXXX, which does billing for the health club. This included payment for two months past due and a {$19.00} service fee. A Cancellation Notice was sent to XXXX XXXX stating to cancel membership. This was done before their next billing cycle, but they conveniently for them made " an error '' and continued to bill me. It is now XXXX and after review of a Credit Report dated XXXX/XXXX/XXXX I became aware of an amount of {$99.00} being reported as Delinquent - In Collections by First Credit Services on behalf XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have been made aware of the mistake which was no fault of my doing and First Credit Services was contacted which updated my account as removed and {$0.00} Balance. My complaint is with First Credit Services - XXXX XXXX XXXX, XXXX XXXX - XXXX, NJ XXXX. I have repeatedly tried to contact them to obtain documentation stating that the Account ( Reference # KB XXXX ) has been closed and that it has {$0.00} Balance, as well as tried in vain to get someone from their company to expedite the process of removing it from all Credit Bureaus, since it was a mistake made in their chain of command. I have been consistently transferred all over their phone system, hung up when I ask to speak with a Manager, I also believe that I have been lied to as to Names and Titles of their Associates. I have been told more than once that Supervisors will call me back, and it has yet to happen. I know the system recognizes my phone number and sometimes when I call it will send me directly to voicemail. I have audio recordings of every single call which depicts their unfair, shady, and deceptive practices.
08/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78626
Web
Dear CFPB I am writing to register a complaint against FIRST CREDIT SERVICES XXXX XXXX, a debt collection agency, for their persistent harassment and mishandling of my bill. Account : XXXX Last year, I enrolled in a coaching program offered by afaa. However, due to my failure to pass the associated exam, I admittedly paid little attention to the matter and eventually forgot about it altogether. It wasnt until recently that I was contacted by a debt collection agency regarding the outstanding payment, which served as a reminder of the situation. Promptly, I reached out to afaa and expressed my willingness to settle the unpaid debt. While I acknowledge my responsibility, the certification no longer holds any value for me. Additionally, I had an unused exam opportunity from the previous year. I inquired whether it would be possible to retake the exam upon resolving the outstanding payment. To my dismay, XXXX informed me that not only do I need to clear the debt, but I also need to pay an additional {$99.00} to become eligible for the exam. This would amount to a total payment of {$300.00}. I have conveyed that the certification has lost its significance for me, and the exam itself has been rendered less valuable with the emergence of tools like XXXX, which make passing it relatively easy. As such, the demand for {$300.00} appears to be a form of deception. I have attempted to engage with the seller in search of a resolution. However, I am resolute in my refusal to acquiesce to the condition of paying an extra {$99.00} after settling the original bill. I implore the relevant authorities to exercise oversight over organizations that exploit financial situations without providing meaningful services. It is entirely unacceptable to have my bill escalated to a debt collection agency. I appreciate your attention to this matter. Thank you. Sincerely, XXXX
06/08/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 302XX
Web
This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Sincerely, XXXX XXXX

07/31/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
Reported Account Number : XXXX Reported balance : {$110.00} XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. On XX/XX/2018 I sent a letter to First Credit Service at the postal address stated as their mailing address taken from my credit report. The letter was delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have experienced Identity Theft and I am still recovering from the turmoil. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed First Credit Service that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
10/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 301XX
Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First Credit Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
06/23/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • XXXXX
Web
XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract.

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX

02/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11520
Web
I joined XXXX fitness in XXXX/XXXX/XXXX at the XXXX location in New York. I was in the process of moving XXXX when I join the jim, The apartment was completed until XXXX of XXXX. I went back to the jim In the month of XXXX XXXX and paid my fees in person. The next time I went to the jim was in XXXX of XXXX to pay my membership Fees and was told that my account was closed. I was told that in order for me to maintain my membership I had to payoff my old account and then reopen a new account. I did what was requested, I further requested to pay for the entire year. During XXXX I ran my credit and discoverd that XXXX fitness through FIRST CREDIT SERVICES. I contacted this company and I was told that I have to paid my pasdue account which is a total {$240.00}. I told the credit company that it is imposible to have XXXX active accounts. I emailed my proof to show that my account was current. XXXX FITNESS CLAIMED THAT I HAVE TO PAY THIS ACCOUNT IN FULL ALTHOUGH I HAVE PAID MY ACCOUNT FOR AN ENTIRE YEAR. THIS IS MY ARGYEMENT 1 : I PAID FOR MY JIM MEMBERSHIP FOR 1 YEAR. 2 : XXXX FITNESS CONTINUES TO BILL ME FOR THAT ACCOUNT THAT WAS CLOSED. XXXX : I XXXX XXXX HAVE XXXX SIGNED CONTRACTS. XXXX IS ACTIVE AND XXXX IS IN COLECTIONS AT THE SAME TIME MY MEMBERSHIP IS PAID IN FULL. 4 : I MADE SEVERAL ATTEMPTS TO HAVE XXXX FITNESS PREPARE A LETTER FOR ME EXPLAINING THAT THIS WAS A PROBLEM WITH XXXX FITNESS NOT ME As of today First Credit Services is reporting a collection account on my credit. I have never authorized XXXX Fitness to access my Credit Profile. I think this act is illegal and I am requesting a FULL investigation onto this matter. I was told by XXXX that this will stay on my credit record for the next 7 years.. I should not be suffering due to XXXX fitness employee mistakes.
09/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78750
Web
I have recently been alerted to a collections account added to my credit report. I received a phone call from a collections agency at the end of XX/XX/XXXX informing me of this account and telling me that I owed {$110.00}. I told the agency, I have no knowledge of this account ( as I have not received any billing or invoices ) and to please send me written verification of this account. I then proceeded to contact XXXX XXXX and asked to speak to the Manager on duty ( I believe XXXX an Asst. Manager ), he then proceeded to inform me of late fees and return fees that I have been assessing for the previous months and told me I would have to speak with the GM as to any resolution. I was told that the XXXX would contact me the next day ... I have been unable to speak with this person since ( about a week ). I have still not received anything in writing from the company in question or the collections agency verify this debt at this time ( XX/XX/XXXX ). My chief complaint : I would like to understand how a business whose main point of advertising " no contracts '' is holding my credit score XXXX on a contractual premise that I owe them money, which was never billed or disclosed to me until a phone call from a collections company. I understand that business protocols take time to be established and oversights happen, but the sheer amount of similar complaints I have recently read in the BBB, XXXX reviews, etc. are all pointing to illegitimate and unfair business practices. FIRST CREDIT SERVICES Last reported : XX/XX/XXXX Balance {$110.00} Highest Balance {$110.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
07/26/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11729
Web
I received a collections notice from First Credit Services , Inc. of XXXX XXXX XXXX, XXXX, NJ XXXX with phone number of XXXX dated XX/XX/2019. This collections notice listed the Creditor as XXXX XXXX - XXXX XXXX with an amount due of {$130.00}. I called First Credit Services upon receipt of this collections notice and inquired about the debt. The representative who I spoke to was unable to provide information on the claimed debt with the exception of the Creditor 's Name and the amount due. I asked to speak to a supervisor and was unable to because they said the supervisors were busy and it would require a call back. On XX/XX/2019, I mailed a letter to First Credit Services , Inc. at the above address, and requested that they itemize the claimed debt. I informed them in this letter that I was disputing the entire amount of the claimed debt and that I had received no bills for this claimed debt. To date, they have not mailed me the requested itemization of the claimed debt. On XX/XX/2019, I mailed a Money order for the amount of {$130.00} made out to First Credit Services , Inc. to XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX which is the address listed as the payment address in their collections notice. This money order was mailed certified mail and they received the money order on XX/XX/2019. They mailed me a letter dated XX/XX/2019, which stated that the account has been Paid In Full. On XX/XX/2019, I received notification from one of my bank cards that their was a derogatory item put on my credit report. This item was from First Credit Services and is pertaining to above mentioned claimed debt. To date, First Credit Services has not sent me the requested itemization of the claimed debt by mail as is required by law.
11/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27617
Web
I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. I have also asked for the receipt to be mailed to my address. I have n't received that. Continuous calls from the First credit service to collect debt has become harassment and torture. I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. PS : All the calls with XXXX was with membership managers.
07/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 151XX
Web
I had a gym member ship with XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ), formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX since XX/XX/XXXX. With the pandemic I put my membership on hold in XX/XX/XXXX and formally cancelled or so I thought, in XX/XX/XXXX via telephone to their front desk representatives. I did not receive one phone call and only found out of the debt collection with a email that I utilized years ago when I first set up the gym membership. As soon as I found this out I immediately contacted XXXX to explain the situation, but they ( XXXX XXXX XXXX insisted that I provide phone records ( consumers do not keep such information ) to show who and when I cancelled with. Before contacting me they put me in collections and put a derogatory remark on my credit. No mail correspondence was received at my home address as well. To remove myself from collections I paid the agreed upon {$59.00} on XX/XX/XXXX that XXXX requested and I also asked for follow up confirmation that our engagement was completed but have yet to receive. Currently I still have a derogatory remark on my credit and have not received confirmation of engagement being completed with XXXX. I was a customer there for 6 years and paid monthly on time, and did cancel when I no longer needed the gym service earlier in the spring. Since XXXX employee I worked with over the phone did not cancel properly, I was put into collections and had a debt collected unfairly. Anyone that had a membership with XXXX and put it on hold/cancel during the pandemic should be advised of the bad actors at this company and negligence in their pursuit to collect unowed monies. Thank you. XXXX XXXX XXXX
11/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95678
Web
First Credit Services , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX {$63.00} Amount Disputed Dear Sir : First Credit Services Inc. is attempting to collect an invalid debt referred from XXXX XXXX, XXXX XXXX, XXXX WA XXXX a membership that was executed when I was a minor. Additionally the membership was cancelled in writing certified registered return receipt with my parents under COVID-19. All three memberships were cancelled at the same time. same letter. Memberships were cancelled in XX/XX/2020. Any fees associated with my parent memberships were waived. The fees associated with this membership apparently were not removed due to my age? I was supposed to hear from a XXXX XXXX Manager as representatives are not empowered to deal with this type of situation. However I never did. I received a collection letter dated XX/XX/2020 This is clearly age discrimination and an unfair, deceptive and abusive practice. XXXX XXXX in XXXX WA refused to treat me the same as my parents. I have asked for proof of debt and sufficient proof of why I am being treated differently due to my age. The related memberships are closed and paid in full. Any associated fees were waived. This membership should have received the same fair and equal treatment. All three memberships were on the same auto pay from my parents account and in good standing until the membership were cancelled. The only difference is my age and age of consent. This is not a valid debt and it should not have been forwarded to First Credit Services. Any derogatory credit reporting should be corrected immediately. I am currently unemployed which makes this even more disturbing.
12/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • XXXXX
Web
On or about XX/XX/2019, I received a collection notice from First Credit Services , Inc., ( FCS ) for a payment allegedly due to Fight For XXXX XXXX, XXXX XXXX XXXX in the amount of {$650.00}. On or about XX/XX/2019, I mailed a written response to FCS responding that I disputed their alleged debt because I had never had an account with any entity named XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. On XX/XX/2019, I received a notification from a credit monitoring service I subscribe to indicating that FCS, without any further communication to me nor response to my mailed correspondence, had added the above-mentioned account to my credit report as a collection. It is unlikely that FCS had the time to conduct a thorough investigation of my response and they failed to contact me with the results of their investigation of my dispute. After conducted my own investigation, I discovered that I had a membership to a health club named XXXX XXXX that I cancelled in XX/XX/2019. I changed banks in XX/XX/2019 and, in doing so, evaluated all my recurring expenses, including the account at this health club. Considering I had not been to the health club in nearly 12 months, I deemed this membership unnecessary. I contacted XXXX XXXX XXXX and provided written notice as required in early XX/XX/2019. In early XX/XX/2019, I began receiving robocalls advising me my payment was past due. These robocalls provided no operational call back number, so I visited XXXX XXXX XXXX and was told that cancellations could take as long as 60 days to process. Since I cancelled this membership, I do not owe a balance.
04/08/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 341XX
Web
I had put a hold on my health club membership at XXXX XXXX and was told by a representative that no further charges would be forthcoming until I decided to take the hold off. I then received a bill for the next years membership fee of I believe {$49.00} ... I then called and spoke to manager and was told that I had to pay that before they would cancel my membership. I did not understand why I should pay for the next years fee if I was on hold and told nothing would happen until I decided to take it off hold. Next I receive notice thru XXXX XXXX that I have negative credit issue on my account. I checked it out to see that now they were asking for {$83.00} to settle my debt. I called First Credit Services at XXXX to dispute amount and attempted to settle debt today. The person I spoke with had a strong foreign accent and was difficult to understand but we agreed on {$60.00} to settle debt. He then told me he couldn't take credit card but I could pay with my bank account. I work in XXXX XXXX and know that you don't give away your bank account information to anyone. He then told me to call back in an hour and see if they could then take my credit card. I called back to settle and now they told me that the client XXXX XXXX has put the account on hold and I can't pay it!! I explained I wanted this off my credit record but they said I would have to talk to client but they aren't even open now for business!! If XXXX XXXX is forgiving debts that's one thing and that would be great but if not there is no reason I shouldn't be able to pay this now and get it off my credit record.
03/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30307
Web
Late in XXXX, I received collection calls and letters from First Credit Services , Inc. alleging that I had a past due balance of {$54.00} with XXXX XXXX I previously had paid a portion of the {$54.00} and attempted to terminate my XXXX membership via email as well as via XXXX XXXX website. In response to my efforts to cancel my membership, I received a subsequent email indicating that my membership could be terminated only by visiting the XXXX location in person or by sending a letter via certified mail canceling my membership. Meanwhile, the email informed me that charges would continue to accrue. After receiving this latest email, I contacted XXXX XXXXXXXX directly ( the XXXX XXXX name was XXXX XXXX on XX/XX/XXXX, to determine how to resolve the collection dispute. I was informed by XXXX that I could pay {$19.00} to resolve the outstanding balance and cancel my membership immediately. I paid that amount as well as confirmed cancellation via certified mail return receipt letter the same day ( and received confirmation of receipt by XXXX XXXX ). Nonetheless, since midXXXX XXXX, I have repeatedly been contacted by First Credit Services , Inc. alleging that I continue to owe an outstanding balance of {$54.00} to XXXX XXXX. I have provided documentation regarding full payment to both XXXX XXXX and First Credit Services , IncXXXX, yet I continue to be contacted. I've exhausted all efforts to resolve this matter other than filing this complaint.
08/28/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29621
Web
I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n't find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n't know that at the time and did n't make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n't have a copy of that letter. I hope you can help. Thank you.
04/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20747
Web
1. I never received a notice from the creditor about the debt. 2. Received a notice from the debt collector First Credit Services , Inc. 3. I disputed the debt and sent it to First Credit Services , Inc. dated XX/XX/XXXX regarding the inaccuracies of amount owed. 4. I never heard back from First Credit Services , Inc. for the past 4 months. 5. I received an alert notification on XX/XX/XXXX from the credit monitoring service indicating that First Credit Services , Inc placed negative derogatory information on my credit reports and entered it as a medical bill. 6. I contacted First Credit Services, Inc on XX/XX/XXXX and I spoke with the manager XXXX XXXX who said that he would take care of the matter and remove from my report. He said he would call me back once he researched my file because First Credit Services , Inc never validated the debt and that the creditor XXXX XXXX XXXX never responded to the investigation. 7. I called the manager XXXX XXXX of First Credit Services , Inc for the past week and no response, his voice mail is full and no at First Credit Services , Inc can resolve, they keep referring me to the manager XXXX XXXX, but he can not be reached. I keeping leaving my number, but he doesn't call me back. 8. This is damaging my credit, I can not get a loan and I am preparing to purchase a home. I need this resolved immediately. I need the negative derogatory information removed from my credit reports immediately.
08/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 02301
Web
To whom it may concern : Please remove this file from my credit report as it was a paid account and no notice was served to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
07/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 373XX
Web
I use to have a contract with XXXX in XXXX NJ and my sister in law too because I was married with her brother we finish having the same last name and the first name. We used to live in the same address but different apartment number. i do n't remember if it was a one or two years contract. I wait until finish and I give the manager of the club the letter that they ask for saying that I do n't want to renovate my contract with them and he make all the changes but my sister in law did n't she just decide to close the account she was using to paid her membership and from the XXXX of us I 'm the only one who has a social security number.When they call me I tried to explain everything to them but they guy on the phone keep telling me that I have to paid that money when he finally decide to listen to me he actually confirm that it was not me because the date of birth that they have in the sistem is not mine. But they call me again telling me the same thing I explain everything to them again and I told them that they are using my social security number to put me on collection for an account that does n't belong to me and I give them my sister in law phone number so they can contact her. But they never solve the problem and they keep me in collection for something that I do n't owe. I need help because This collection is affecting my credit score and I 'm not gon na paid for something that I do n't owe.
03/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 14094
Web Servicemember
I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. Back in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. The cancellation letter and the amount to collect do not even match.
01/31/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02301
Web
I was going through my credit and noticed that there is a collection on my credit report that i'm not aware of. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23666
Web
First Credit continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that First Credit reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to First Credit disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that First Credit has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.
06/08/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IN
  • 46410
Web
I have made several attempts since XX/XX/XXXX to cancel my membership due to a chronic illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the XXXX XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. On, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen.. They have since sent it to this collection agency that continues to threaten/harass me and report/update damaging and inaccurate information to all three credit bureaus. The erroneous amount is not only inflated to reflect charges that are unsubstantiated but are a direct violation of the ADA since both companies were made aware in a timely manner of my XXXX but deemed it unimportant or invalid and choose to harass me despite this.
05/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • AK
  • 99508
Web
I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!
10/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29625
Web
First Credit Services Inc. fraudulently flagged my credit file for {$350.00} with inaccurate information on XX/XX/2019 ; the account was fraudulently opened on XX/XX/2019. I do NOT now nor have I ever agreed to this contract! First Credit Services Inc. received my Validation Notice allowing them to verify their claim via certified mail no. : XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. First Credit Services Inc. ignored the Validation Notice provided and fraudulently placed their unverified illegal account with the credit bureaus for collection on XX/XX/2019. There is a clear case of fraudulent activity here! A Validation Notice was provided to First Credit Services Inc. on XX/XX/2019 via certified mail within 30 ( thirty ) days of their notice dated XX/XX/2019. First Credit Services Inc. ignored the certified mail and fraudulently placed their unverified account on my credit file on XX/XX/2019. First Credit Services Inc. is currently conducting fraudulent credit practices by updating information on my personal credit file without verification of data. First Credit Services Inc. has also been proven to be a fraudulent 3rd party collection agency that violates its alleged clients rights. First Credit Services Inc. is not an accredited company. First Credit Services Inc. is NOT the HOLDER IN DUE COURSE and does NOT have a permissible purpose to contact ( NAME. )
10/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21221
Web
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with First Credit Services or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
08/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 641XX
Web
A company called first credit services is calling me daily every day about a debt with an unspecified amount. They call from a different state every day during my work hours. I am not entirely sure what the debt it for but I suspect it is for a gym membership from XXXX XXXX in XXXX, KS. I had a gym membership. They overcharged me, also were not submitting charges to an on file payment for two months and then notified with a large bill. I could not meet with them in person for XXXX and they would not return my calls or address itemized charges via email. I made a payment towards correct charges so would continue the dialogue on incorrect overcharges and needed credits. They might have sold debt not with credit. Their online system would not show details of charges to review nor dispute. They cancelled account and sold debt w/in XX/XX/XXXX days of notification to try and resolve. I believe it was sold to this company. I had one conversation w/the First credit services in XXXX of XXXX and they have not provided written itemization of debt, debt total, who the debt is from, and the original contract as requested. I have not received any written notice to try and dispute the debt and they call everyday sometimes 2x a day. I will not speak to them until I get a written detailed notice as there is no point if I can not see the itemized debt.
05/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89183
Web
I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.
01/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02914
Web
Dear XXXX XXXX XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
12/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22192
Web
I held a membership with XXXX XXXX, which was initially contracted for a 12-month period. However, I received communication from the gym 's cashier informing me of an outstanding balance. At that point, I explained that I had relocated to a different city and could no longer access the gym 's facilities. The cashier then clarified that, according to their membership policy, I was obligated to fulfill the full 12-month contract term, even if I was not using the gym. In an effort to resolve the issue, I inquired about the amount required to settle my contract. I was informed that my remaining balance stood at {$190.00}, to which I agreed and subsequently paid. To my surprise, I have now been contacted by a debt collection agency, First Credit Services, claiming that I owe them {$220.00}, and this matter has already been reported to major credit reporting agencies, including XXXX and XXXX. I am seeking to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) with the hope that they will investigate and rectify this situation. I believe there may have been an error, and I am more than willing to provide any supporting documents that may be necessary to demonstrate the resolution of my contractual obligation and the improper reporting to credit bureaus.
11/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76522
Web Servicemember
On XX/XX/XXXX, my XXXX y/o mother suffered a XXXX. She was bed-ridden at that time and has/will be under constant professional medical care for the rest of her life. A few months later, I started receiving phone calls from the XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I informed them about my mother 's condition, and that I was in no way responsible for her actions or for any signing of any contract. ( SHE had purchased the 2 memberships in hopes of helping me & my husband ) These calls came repeatedly, and repeatedly, I informed them of the circumstances. Last week I received a Debt Collection Letter from : First Credit Services , Inc. ( FCS ) ( XXXX XXXX XXXX. XXXX, XXXX NJ XXXX XXXX ) demanding {$400.00} for a " GOLD 's GYM PHASE 2 '' creditor. Account nr. XXXX. How can an well established business conduct such erroneous behavior? ( retorical ). Is there anything you can do to XXXX XXXX XXXX in XXXX XXXX, Tx.? I will be sending a, " dispute of validity, '' to FCS tomorrow and do not expect any further repercussions since there is no signed contract. However, if there are problems, are there other avenues you or I could pursue? Thank you in advance for any/all help you can help me with in this matter. Regards, XXXX XXXX
08/06/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 32829
Web
I had contacted First Credit Services several times over the past week and received no response. They provide the option to pay online but no way to actually do this. I need to know how to submit payment online because I do not have enough information given by your company to complete the payment section online. At this point, they have called me after requesting them not to so they should be paying me at this point. I formally requested a validation letter of my debt. As per their original document, I am requesting this before XX/XX/XXXX so you must stop collection of this debt until you provide me with the requested documents. Any attempt to contact me after my originally request on XX/XX/XXXX at XXXX EST ( to which they have already attempted to contact me through phone on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX ) is a violation to my rights under federal law. I have requested this numerous times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) through the email provided and the contact us section of their website and I still do not have any documents yet they continue to pester me through phone calls and voicemails. I requested that they DO NOT attempt to contact me through phone. They may only contact me through email or mail.
03/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20720
Web Older American, Servicemember
I received an invoice from First Credit Services ( FCS ) on XXXX XXXX XXXX ( Gold 's ) behalf, in the amount of {$110.00}, for 5 ( five ) months -- XXXX, XXXX, XXXX and XXXX, XXXX and XXXX of XXXX with respect to Membership Agreement # XXXX, dated XX/XX/XXXX. This is not my responsibility. Please see the attached invoice - XXXX History debit/credit card voucher containing Mr. XXXX XXXX XXXX ( XXXX XXXX ) financial information. I have never received a call or bill from XXXX XXXX XXXX concerning payments. The last time I used XXXX XXXX XXXX was approximately the end of XXXX or very early XXXX. It is apparent that XXXX XXXX XXXX is trying to obtain payment from me because it has been unsuccessful in attempts to reach Mr. XXXX for payment. Please let me know if you need assistance contacting the responsible party to come to a reasonable solution in this matter. I responded to FCS informing them that this is not my account via letter dated XX/XX/XXXX. FCS responded to me on XX/XX/XXXX, with a contract that does not contain my signature, as well as the aforementioned invoices - XXXX History statement. Additionally, the gym was shut down in XXXX due to the ongoing pandemic COVID-19 ; and yet XXXX XXXX is billing Mr. XXXX for XXXX, XXXX and for XX/XX/XXXX.
02/07/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • XXXXX
Web
I received notification from XXXX XXXX XXXX in XX/XX/2020, that effective XX/XX/2020 XXXX XXXX would cease operations. On XX/XX/2020, I went to XXXX XXXX XXXX to cancel my membership. When I arrived at the gym I saw that the gym was closed and I saw moving people inside packing up all of the equipment. I then called and no one answered the phone. Then I went online to their website and discovered the site was shut down. Since my membership was month to month, and I was unable to speak to anyone I contacted my bank to stop all payments to the gym. Then on XX/XX/2020, I received from First Credit Services , Inc notification that my account has been placed in collections. I tried on 5 different occasions to speak to someone. Every time I called I requested to speak to someone in XXXX ( I am English challenged in speaking ). Every time I was told someone would return my call to assist me. I have yet to receive a phone call from them. I dispute this claim on the following bases. 1. I attempted to cancel my membership and was unable to due to the closure of the business. 2 My membership was month to month with no long term contract. 3. I have attempted to reach out to the collection company and they have not been helpful in any way.
06/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 372XX
Web Servicemember
I joined XXXX XXXX in XXXX Tennessee in XXXX. After being a member for a year, I gave them due notice regarding cancelling my membership. I spoke to the customer representative in person and she annotated my cancelation. Thirty days passed and they continued to collect the monthly payment, even though they had agreed to cancel my membership. I attempted to speak to the representative and the original representative no longer worked there. The new representative wanted to start the process all over again. I cancelled my card the following day. While checking my credit on XXXX XXXX, I noticed a derogatory mark that impacts my points. It is a collection agency, 1st Crd Srvc opened XX/XX/XXXX with the original creditor being XXXX XXXX XXXX for the amount of {$120.00}. This is not about the money, this is about a blatant consumer abuse. Their ineptitude for not cancelling my membership when they agreed upon it, then losing the employee who originally processed my cancellation, then wanting to start this 30 day process all over again, is just plain wrong. XXXX XXXX in XXXX wanted to continue to charge me for a service that I no longer wanted. I did what was needed originally and gave them the contractual notice of cancellation.
07/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75063
Web
I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country!
06/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32835
Web
XXXX ( Reporting on XXXX and XXXX ) XXXX Errors ) XXXX XXXX ( All XXXX ) ( Errors ) XXXX XXXXXXXX ( All XXXX ) ( errors ) XXXX XXXXXXXX ( all XXXX ) ( errors ) XXXX XXXXXXXX ( all XXXX ) ( errors ). XXXX XXXX ( all XXXX ) ( errors ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ( XXXX only ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) ( XXXX and XXXX XXXX These need to be removed from my credit report because the violations as my rights as a consumer. . ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate
05/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 452XX
Web
On XX/XX/XXXX I contact First Credit and agreed to pay the outstanding debt of {$120.00} from XXXX, even though I disputed it, because I needed my credit bureau updated to get a loan. This debt is one of the reasons I was denied. They refused to remove it, even if I paid. Upon receiving the validation of the debt, I discovered that the last payment made was XX/XX/XXXX. Therefore, after 7 years, this debt should have been removed from my credit report. I complained to the company. They didn't respond. I filed a complaint with the XXXX XXXX XXXX and the company 's response was that the statute of limitations in Ohio was 8 years and that they were going to continue to report it because they had been trying to collect it for several years. Regardless of whether or not I have paid or not, they are obligated to remove it from my credit bureau after 7 years, even in Ohio. I verified with the Attorney General 's office that this is correct. They may be able to continue to try to collect ( I don't know I haven't looked into that ) ... but they need to remove it from my credit reports ( all three ). They are refusing and violating my rights over {$120.00} because I have ignored their collection calls for years.
06/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94539
Web
In XX/XX/2014, I and my daughter went to XXXX to try the practice. A staff suggests my daughter to sign half year membership. He told us that if my daughter did not like the practice, we can cancel the membership any time. The staff filled the form and just let me sign the contract. The staff did not mention that he had checked auto renew on the contract. I did not notice the auto renew was check either. After two month try, my daughter get hurt XXXX when jumping around in the facility. XXXX I had talked to the manager and want to cancel the membership. I had browsed to the XXXX web site to let message want to cancel the membership. The manager had told me because we had signed half year member ship, we cannot cancel the membership. After half year, our membership will be terminated automatically. Because my daughter got hurt every time went there, she could not go to the XXXX since XX/XX/2014. She only went there for two month, but our credit card was charged for six month. After six month for safety reason we cancel the credit card. But XXXX still keeps charging us. When I went to the facility ask the manager, he told me this contract will auto renew. Now they want to charge us for extra XXXX.
02/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63303
Web Older American
I have today sent a letter of dispute. I received a call from 1st Credit Services claiming that i owed XXXX XXXX XXXX {$30.00}. In fact, i have never been a member of XXXX XXXX XXXX nor have i ever attended XXXX XXXX XXXX. The agent explained that XXXX XXXX had acquired XXXX XXXX XXXX of which i was a member and that therefore XXXX XXXX had taken an assignment of all memberships. I was never notified of this, nor did i sign an authorization for XXXX XXXX to debit my bank or credit card account. It is a simple matter for XXXX XXXX to obtain updated information and authorization since they clearly had my phone number - they provided it to collections. Failing to get updated information and permission, they would have known to cancel the membership ... in which case there would be no debt. Instead they decided to bluff their way to collect money to which they are not owed. In short they conceived a " scam '' to squeeze a few more dollars out of former XXXX XXXX XXXX members by using an outside collection agency ... rather than calling themselves. They released my personal information and most likely have tried to damage me by reporting this debt to a credit bureau ( another form of intimidation ).
05/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 531XX
Web Older American
I signed up for 3 month XXXX membership to XXXXXXXX XXXX in XXXX XXXX in XX/XX/XXXX. Winter special they offered. I suspended membership in XX/XX/XXXX. They confirmed they have record of this. I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. I called the location to complain about this and they said I renewed but I signed nothing. I just got a debt collection letter from First Credit Services saying I now owe {$190.00}?? I responded to the letter by email stating all of the above. I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! This is a scam. I did not sign up for any on going membership.
07/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48089
Web
I canceled this membership in-person with XXXX XXXX in XXXX Michigan in Good Faith in XXXX of 2018. I explained to them that I was in the process of buying a Home in the area of XXXX Michigan which was further away where I would no longer be able to attend as member of their club. The membership at the time was only a XXXX Membership and was simply on a Month to Month basis. They agreed at the time to cancel my membership in Good Bargain Faith out of understanding of my situation without any cancellation fees Required in which I was never entitled to pay to begin with because I never signed any Documents or Contract that stated responsibilities to pay any early cancellation fees. However, something took place outside of my knowledge where a balance of {$220.00} is showing only on my XXXX Credit Report from First Credit Services in which apparently someone from the Original Creditor ( XXXX XXXX ) chose to disregard the cancellation that was discussed in-Person at the club of my membership and sold what was supposed to be " Cancelled Membership Account '' to First Credit Services as a Debt in this amount of {$220.00} in which I truly feel at heart I'm not responsible for paying.
01/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96734
Web
I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. I would like this removed from all reporting agencies, XXXX, XXXX and XXXX.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PR
  • 00921
Web
Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. These are the account details : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX /AMOUNT {$1700.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX /AMOUNT : {$1400.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/ AMOUNT XXXX {$1300.00} FILE # DISPUTE : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} / FILE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX FILE # DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX FILE # DISPUTE XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ AMOUNT XXXX XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXXXXXX DISPUTE # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX DISPUTE # XXXX
05/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75028
Web
I signed up a 6 months commitment with XXXX XXXX. During one of the training sessions, I hurt my knee. Informed the Instructor immediately and seek medical attention. I was ordered by my doctor to cease physical activity and I did. The commitment period ended, I paid for all 6 months and called to canceled. They asked me why I was canceling and explained the situation. I was asked for medical documents by I did not feel comfortable sharing my medical information with a stranger. XXXX XXXX not only did not cancel my membership, but they auto renewed. I called my bank to cancel the credit card and XXXX XXXX charged my new credit card, without my consent and without me providing the new credit card information. the letter they sent states I had to dispute the charge before XX/XX/XXXX nd. I submitted a certified letter dated XX/XX/2022 disputing this debt, requested proof of debt and they First Credit Services failed to present evidence that I owe the debt. I am requesting this dispute to be investigated and corrected by removing the derogatory remark from my credit report and reversing this charge that I am not responsible for.
09/08/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80011
Web
First Credit Services has attempted to contact me abusively by calling me multiple times a day with spoofed phone numbers at random intervals. I have already mailed them multiple written requests to respond to me only in written communication which they have blatantly ignored. I also asked for proof that I own this debt, the chain of custody on the debt, from whom they purchased the debt from, when they purchased the debt, and if they are wanting a settlement or a full lump sum. They have not responded to this request either. Phone calls from First Credit Services are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/29/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30044
Web
XXXX Account was frozen, billed at {$10.00} per month until XX/XX/2020 XXXX Billed Full amount of $ XXXX ( should be {$10.00} ) Got a doctors note stating that I still can not exercise, Account should remain frozen. I have a receipt that for the payment of this. XXXX Billed full amount of {$90.00} ( Covid-Gyms were closed- Should not be billed ) XXXX Bill Full amount of {$90.00} ( COVID- Gyms were still Closed-Should not be billed ) XXXX gym reopened XXXX Reached out to the business to let them know I have a doctor 's note that my account should be frozen, business would not accept my doctor 's note XXXX Billed full amount of {$90.00} ( account should be frozen {$10.00} ) Late Fees : {$38.00} As you can see for the month of XXXX there should be no bill due, gyms were closed due COVID government mandate. The business would not accept my doctor 's note, I explained to them that due to COVID everything was shut down and the doctor 's note did not arrive quickly and they mentioned they can not backdate anything. Incorrect Billing Amount : {$390.00} I paid for the month of XX/XX/2020, have a receipt for documentation.
01/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OR
  • 97140
Web
I was reviewing my credit report and i saw that XXXX XXXX or 1st CRD SRVC reported me in collections for {$200.00}. First, I cancelled my membership and now I'm getting collection calls and to make matters worse, this is on my credit report? i never checked into that gym since i told them I'm canceling my membership. We're in the middle of a pandemic and they have the audacity to try to collect and report information. THEY NEVER disclosed at the time of sign up that members will have their credit impacted in the even of default, which in my case, i told them many times i wanted to cancel but i was always advised they needed to have a MANAGER present. i told them i work and by the time i get off, the managers are gone for the day and i live far and i wanted them to cancel my membership. its so inconvenient when you sign up, everyone can help you but the moment you want to cancel, they tell you only a manger can cancel your membership. this is deceptive and brought down my score 40 points! i will never sign go back to this gym. and i will tell everyone in town how deceptive they are when they will impact your credit.
11/30/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • HI
  • 96815
Web
On XX/XX/2015 I moved from XXXX XXXX to XXXX XXXX. I had spoken to XXXX XXXX about cancelling my membership. They said that in order to cancel I would have to be further than 15 miles from an XXXX XXXX branch and that my name was on the lease agreement of where I was staying. At the time I moved I was XXXX having a hard time with college payments and had to move in with my mom. As a result I had no job and no car. I attempted to get XXXX XXXX to work with me and break the contract but they refused. At some point later I received a letter about collections but didn't understand how to handle the situation. I was not aware that I could dispute the collection nor seek help in coming to a fair agreement. As a result I was unable to make payments and am only attempting to handle this situation now because I have learned a little bit about how debt and credit work. The missed monthly payments have added up to {$560.00}, which though not a large amount, is difficult for me to pay back for a situation where I could not use their services and are greatly over shadowed by the thousands of dollars I owe in student loan debt.
02/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32822
Web
This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my transunion credit report. XXXX XXXX I was never a student at this school or any related institution. Further there shows to be an account showing XXXX XXXX XXXXThis account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account. XXXX XXXX XXXX Is inaccurately reporting past due balances on all credit reports as being 120 days late. Payment is current and has been reporting payments received and the amount but still showing as if the account is past due.
08/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92103
Web
In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
02/01/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32789
Web Older American
I joined XXXX XXXX ( XXXX, Georgia ) XX/XX/2020. I paid them for the 1st month. XXXX XXXX the state of Georgia Gov. XXXX XXXX closed down all businesses in Georgia including fitness center. During this time XXXX XXXX was closed. They only way you could cancel your membership was to come to the gym in person. At that time I called and pleaded with them to allow me to cancel my membership. They said I had to come to the gym. I couldnt leave the house for XXXX months. I explained that I was sick with XXXX and lived alone and didnt have anyone to bring them the cancellation notice. I tried to work with these people I talk to the manger and they were nasty. I only owed them for XXXX dollars when they turn it over to Frist Credit service collection it is XXXX. I need your help removing this from my credit report and changing XXXX XXXX cancellation policy. This was during a time when the entire country was closed. I havent gone back to any gym. I retired since this happened and it is badly impacting my quality of life. I have never had a low credit score. I need this removed from my credit report. Thanks
06/08/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30213
Web
I had a gym membership ( XXXX XXXX ) and due to covid was unable to use the membership. Once the establishment was re opened I went in to cancel my membership in person. The receptionist said the person who could cancel my membership was not in therefore gave me a email address which was incorrect I reached out several times with out any assistance. First credit services reached out to me and I provided email documentation to them as proof that I asked for membership to end. They ( first credit services ) did not respond either. I received a letter and disputed the validity of the debt and still did not receive any proof that I indeed owed the debt or the questionable amount. I feel that both the original creditor and collection agency are taking advantage of people during a vulnerable time. I was current with my membership and paid for the last month in advance. I do not owe any money for a membership that I tried several time to cancel because I felt that my health was at risk. There has been no action taken to rectify the issue. As a result my credit has been damaged for something I do not owe.
02/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92260
Web
I reached out to FIRST CREDIT SERVICES when I found a collection being reported on my credit report. On XX/XX/XXXX I disputed the charge of {$110.00} as that was an account open by my ex-wife under my name and with my personal information without my consent. I told them my situation and even attempted to pay the collection if they removed the account from my report, to which they refused. Then I proceed and dispute the account with them and I never received any paperwork or information regarding the account. I called back in XX/XX/XXXX tired of seeing it in my credit report, they could not locate my account, even when they were reporting to the credit bureau. After 15 minutes of asking for information they found the account, and refused to take payment since I had disputed the account in the past. They have a policy that they don't take payments on disputed accounts. So I had to be recorded that I was not going to dispute with them the Payment and that upon payment I could not dispute said account. I agree that I would not dispute it with them but I would definitely do it with the credit agencies.
08/27/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90807
Web
I had a gym membership with XXXX. They claim that after the second month of me having the membership that they couldnt collect any money from me. I had used the gym for a couple of months prior to the pandemic so if it were true that that were unable to collect any money from me they wouldnt have let me in. I have printed my financial documents to reflect the payments they pulled from my account. During the pandemic after a year of having my membership i called to cancel my membership with an agent of theirs over the phone. The withdrawal from my account stopped. Now that things are back open the gym is saying that i owe them money, but its impossible if i closed the account and dont utilize the gym. They never contacted me regarding payment or sent any letters telling me that i owe. I went to the gym to ask about it and they said that they dont have any records in their system and that i have to talk to a manager. I spoke with a manager and she told me if i renewed my membership they would make it go away. I dont see anything about this collection on my credit anywhere and i believe it is false.
10/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 73012
Web
My name is XXXX XXXX I had a XXXX 'XXXX XXXX membership. I canceled the membership many months ago. They are seeking {$350.00} through the collection company of First Credit Services. My membership was canceled in writing via email like they asked me to do. I never owed anything. I tried explaining this to their collection team and they wouldn't hear it. I still have the e-mail to them showing I canceled it prior to any fees. They are using First Credit Services to try to collect a debt I don't owe. XXXX 'XXXX XXXX would send a no reply email alerting me of these fees. It shouldn't be legal to use these no reply emails, because it left me no avenue to explain the earlier email sent showing cancellation prior to any fees. The reality is, they don't want to hear from customers, it is a ploy to try to get them into collections. First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number XXXX My email is XXXX My phone number is XXXX. I want to launch a complaint against both XXXX 'XXXX XXXX and their collection arm First Credit Services , Inc .
08/22/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90024
Web
XXXX XXXX XXXX leased XXXX VIN XXXX, a lemon, towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX XXXX, stated on he would not take the car back due to its history when I sought leasing a new XXXX & therefore, a termination fee of {$350.00} for not obtaining a new XXXX with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX XXXX is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. XXXX XXXX sold this debt incorrectly and unfairly to XXXX and XXXX XXXX unfairly created these inaccurate debts for a car that is a lemon.
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 088XX
Web
Hello, I was a member of XXXXXXXX XXXX XXXX since XXXX at the time of signing up their was a one year agreement. In XXXX my debit card expired and I stopped paying XXXXXXXX with the belief that since I was no longer a member or in a contract after XXXX I would be fine. It's pretty standard now a days that once you stop paying for a service your account get 's closed. I never received a phone call, text or email from XXXX after the first month they tried to bill me. It wasn't till debt collection agency " First Credit Services '' sent me a letter that I owed XXXX {$200.00} in which I called them back to see how this occurred. They weren't willing to negotiate with me, despite no prior communication. I find it highly unfair, that not only is my credit score is affected after they put it on my report which at the time my credit score was XXXX which I worked very hard for. I have to pay for a service that I did not use nor thought was active. The lack of communication from XXXX is truly disappointing considering I was a really good customer.
08/10/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 79936
Web
My dispute is with XXXX fitness in XXXX AZ. In my attempts to cancel my gym membership I was told I had to come in to the gym and speak to a XXXX who was not at the gym at all three times I went in person. I explained I had moved and it was difficult for me to keep coming in with no resolution. I received and email from the gym XXXX confirming that my account had been cancelled. I never received any further calls, emails, letters, or charges on my card which was still active. In 2021 I am notified of the collections account filed from XXXX XXXX stating that the account had not been closed and continued to collect charges and had a past due balance. I have attached the email confirming my cancellation. I was not given any notification of a past due account that was said to be canceled already before I was sent to collections. Online reviews have also confirmed that XXXX XXXX has done this same thing to other members. Any attempt to contact me prior to file being sent to collections would have resolved the matter.
02/15/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11801
Web
XX/XX/2021 I was alerted by XXXX XXXX and XXXX that I have a collection with First credit services for a gym membership with XXXX XXXX XXXX. This membership should have been cancelled years ago as I had asked them. The email I received was with XXXX XXXX XXXX for {$98.00}. I called them to resolve they said call first credit services as my account is in collections. First credit services first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than XXXX financial services had told me. I told first credit services, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. First credit services said they can not help me and to call XXXX XXXX XXXX. XXXX XXXX XXXX said they can not help since the account is in collections already with first credit services. First credit services was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report
02/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 087XX
Web
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) without any notice or warning reported to the credit bureau that I owe a balance of {$150.00}. First Credit Services ( XXXX ) is the collection company they reported the debt to, which when I called could not pull up my file or give me any information. When I went to XXXX I showed them documentation that I paid a continuous membership fee ( using my credit card statements ) until XXXX XXXX at which time the contract was already a year old and could cancel with no fees ( I have their policy ). The debt was reported in XXXX XXXX which makes no sense in the middle of a service contract. I was told by XXXX XXXX it is a problem with their billing and they can not do anything to help me. This is unacceptable and they could not explain why I was even charged. I need help in order to resolve this. I need to get this debt taken off my credit report and I need it to disappear due to the fact I do not owe it and have the documentation to prove it.
08/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92243
Web
Hi! I had a membership to a fitness club back in XXXX of 2017. I called to cancel the membership on before XX/XX/2017 so that they would not continue to charge my credit card. When they charged me again on XX/XX/XXXX, I spoke to the manager XXXX. I explained to him that I was calling to cancel membership ( again ) because I was visiting out of state family. I never heard anything more so I did not foresee a problem. Today I received an email from a credit agency trying to collect {$220.00} from me. I called them but they insist I owe this money. This fitness center went out of business so there is no one to contact at the fitness club. I do not owe this money. This membership was cancelled and they are trying to collect money NOT owed. This was a month to month gym. There was no yearly contract. This credit agency is ruining people 's credit. The easiest thing would be for me to pay but this is not right. How many other people are they doing this to. Thank you
03/14/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92620
Web
Not only is the debt not mine, it 's not my husband 's either. My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.
01/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94132
Web
I am submitting this complaint because I am being extremely affected by FIRST CREDIT SERVICES XXXX INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. This is what happened : When Covid hit in XXXX, I called the gym to cancel my membership but they didnt allow me to cancel on the phone or online, they said to send a written notice, which I did. Months later I found a collection on my credit report. There is no membership fee due, I was not sent any notices of bills being past due either I was harassed on the phone and told the company I was disputing this debt and for them to only correspond with me via mail. But I kept on getting called by their robot caller and they failed to mark my account as disputes. This is my account regading this matter : Account name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. Solution : deletion of my account from all credit bureaus ( XXXX, XXXX and XXXX )
06/07/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90042
Web
I received a call from Account Receivables Technologies in XXXX of 2018. They claimed I owed a debit they purchased from XXXX XXXX. I was, and am still unaware of the specifics regarding the alleged debt I owed. I requested in writing that the company verify the debt. Ive attached a copy of the first letter I sent to the company in XX/XX/2018. I also called and requested they verify the debt. My inquiries were ignored. They continued to call me and refused to verify the debt or send me any written correspondence. I just recently contacted them and they informed me that they could no longer answer my questions and to contact the original lender. Im in the dark and my credit is ruined by this unverified debt. The alleged debt they are unwilling to verify was reported to XXXX XXXX XXXX. Thus negatively impacting my credit. The alleged debt is also being reported as new debt. Im asking that the unverified information be removed from my credit report.
01/18/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 336XX
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account First Credit Services, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/08/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 46410
Web
I have made several attempts since XX/XX/XXXX to cancel my membership due to a XXXX illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the manager XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. Today, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen..
03/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 083XX
Web
Hi, I had a gym membership with XXXX XXXX. Their payment processor is XXXX XXXX XXXX. I had this membership since XXXX. On my contract, it states that the membership expires on XXXX, but I have been paying literally for 3 years since. Over XXXX XXXX I stopped paying because I sent a letter of cancellation which they refused delivery of and it was returned to me. The contract states that it is void 36 months after its inception which would be XXXX. They sold my debt to First Credit Services in XXXX. This would not be valid because my contract is void and I already cancelled it by certified letter Therefore, I do not owe them a thing. In addition, First Credit Services has never attempted to contact me. I just found out about the debt this week when the gym emailed me when they emailed me and stated that if i paid, they would remove this from my credit. That is not how this works. I believe they breached my contract and are violating my rights.
10/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 151XX
Web
I had a gym membership with XXXX in XXXX, PA. I then attempted to cancel the membership and was told I needed to stop in and not over the phone. I then stopped in and due to the manager not being there I was unable to cancel. I was told I could n't leave a letter, fax a letter, or email a letter. I was also told that I needed to speak with the manager as they were the only person who can cancel the membership. I found this unfair due to the manager being there at certain times. I did file a complaint with the XXXX who resolved the issue and I just needed to pay the last month that I owed, which was XXXX. I did make this payment, however the company still billed me. I was told it would take 1-2 billing cycles for their billing company to receive the update. In addition the company responded that they would waive the late charge in good faith. I have now received a collection letter from First Credit Services , Inc for the amount of XXXX.
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33414
Web
XXXX phone # ( XXXX ) XXXX is Reporting FIRST CREDIT SERVICES on my credit report this is a fraud account please remove thank you. Original creditor name XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
08/18/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NH
  • 03038
Web
The XXXX XXXX XXXX XXXX NH has posted a debt collection of {$710.00} dollars to me regarding a health club membership since XX/XX/XXXX. 2020. Me XXXX XXXX had called them to say I had lost my debit card and to stop charging my account and to freeze my membership while I was out of state.. and they said that they would and when I had returned home I had called and they said I owed XXXX I tried to work this problem out with them multiple times saying I told them to freeze my membership and they were attempting to charge a card that was deactivated. I had many staff workers tell me they were not charging my account and that there was nothing they could do very rudely and not professional so I am submitting this because I had stated to them multiple times over phone to freeze my act because I was out of state and lost my debit card and they did not comply and were charging me for services I asked to stop receiving for the time being.
04/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20747
Web
According to XXXX XXXX, there is an open collection account from First Credit Services on my credit report. I XXXX the number and called First Credit Services to find out more information about this {$92.00} debt. I spoke to XXXX XXXX on XX/XX/21 at XXXX and provided her with my date of birth, social security number, and address but I was told there is nothing in the system for me. I listened on the phone while XXXX XXXX called her boss over to look at the computer and figure out where my account was. They asked who the original contractor was and I provided them with the information shown on XXXX XXXX. They said " We don't see anything for you. We can't find it. We no longer have this account. We have exhausted all efforts to collect on this and we no longer have the account. '' If this is the case, why is this collection agency on my credit report in the first place? Please remove it immediately from all reports.
04/21/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37129
Web
I emailed First Credit Services two separate times requesting a statement of the debt owed and did not receive a reply. I called and requested that I be provided with a link to pay the debt as well as a statement. The person on the phone, who indicated they were a supervisor, continued to insist that i take care of the debt on the phone with him. He refused to take my email address and continued to request why I wouldn't pay the debt with him on the phone. He badgered me about needing to know why I wouldn't handle the debt over the phone with him, not having a statement. When I told him I didn't have to provide any reasons for requesting a solution via email. He was quite aggressive and unwilling to take my email address, insistent that I provide reasoning. I am entitled to a statement and to handle the collection of the debt in the manner that I prefer. This particular " supervisor '' was aggressive and unhelpful.
02/21/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NJ
  • 07719
Web
I wanted to continue my membership, but had an issue with the account after a breach of my bank card. I called them to try to resolve the matter, but they were unwilling. I did not hear from them for months, when I did I asked that they send me a letter so the issue could be resolved. I did not receive a letter, instead they sold the debt to First Credit Services who contacted me at work. I am not a difficult person to find, but I do not answer phone calls do not identify the caller, but will return a message if one is left with clear information as to who the person or organization is. Calling my job was not only embarrassing but completely out of line, since they really had not made adequate attempts to contact me by mail and email. I let them know I would be filing a complaint, and that they have ways of reaching me, but were in no uncertain terms to try to contact me at my place of employment ever again.
06/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AK
  • 995XX
Web Servicemember
I have recently ( XXXX ) been contacted by debt collection about a gym membership from XXXX. The debt is from a company that I am not familiar with ; however, I did have a gym membership at this time. I believe the old gym XXXX XXXX XXXX ' that I had a membership with was bought out by XXXX XXXX XXXX ' ( XXXX, XXXX ) and my " debt/membership '' along with it. I enlisted in the XXXX in XXXX and submitted the associated documents to have my obligation relinquished with XXXX XXXX XXXX '. I have been in XXXX and XXXX since that time. The debt of ~ {$280.00} is being requested from First Credit Services stating that debt is owed from a contract from XXXX. I believe they are collections based out of CA, based on the caller-ID that have been attempting calls daily. I notified them of the information above, but since they have no direct relation to the gym 's records it is apparent they aren't considering this.
08/23/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ND
  • 58701
Web Servicemember
I received a phone call yesterday, XX/XX/2023 and approximately XXXX from First Credit Services . After speaking with them, I was unaware of the debt they stated I owed. I explained that I would like to dispute the debt. The person on the phone gave me my file number and an email I could send information over to. Immediately following the conversation, I wrote out a dispute letter asking for all the information about the debt, wanting proof they can collect debt in the state of North Dakota, etc. If I know my rights correctly, they are not allowed to attempt to collect the debt after the dispute has been made. The gentleman I spoke with on the phone also stated he was making note that I am disputing the debt. Today at roughly XXXX, I received an email from the company with an attempt to collect the debt. The email is a copy of what they would send me in the regular mail to attempt to collect.
11/21/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 544XX
Web Servicemember
About a year ago I had a gym membership. I had switched cards and failed to update my information, which is on me. I understand. However after calling through the gym, another company and finally to a company called First Credit Services, I was on the line with an individual who was very vague and seemed to only respond to very fixed statements and out who I was, the gym i went to and a fairly outrageous dollar amount I had to pay. After some time and agreeing to a payment plan from them I got off the phone and looked them up very quickly because I immediately had no trust in them. I found out it was a scam and quickly cancelled my card. It 's one thing to try and pay a debt but when I receive no information and am routed to a " comoany '' that was very intent on me making a payment that day for a high dollar amount sent me off to file this complaint. I am not going to help out a scammer.
04/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07621
Web
I have spoken to the representative from First Credit XXXX in regards to a debt owed to XXXX XXXX when I did not realize my debit card linked to my account had expired. I would like to pay the bill but I have repeatedly asked for a written bill as there are too many scammers out there and I would like to review the months I am being billed to ensure accuracy. They keep telling me that I am receiving emails and that is my bill. First, I do not receive any electronic communication from them. Second, I would like a bill mailed to my house, as is my legal right. I have not received any communications except for phone calls and my pleas for a written bill sent through the mail are being ignored. I do not want this to affect my credit score and I firmly want to pay this debt, but my rights are being violated and I don't know how to go about getting a written invoice from them. Please help!
11/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98683
Web Servicemember
I received a collection notice from First Credit Services , Inc. of XXXX, NJ claiming a debt for XXXX XXXX of XXXX, IL on XX/XX/XXXX. I contacted First Credit Services regarding the debt and was told at first that the debt was initiated on XXXX XXXX, then by another person it was initiated on XX/XX/XXXX. I looked up the name of the business they were collecting for and found the business was closed XXXX of XXXX, and the owner had since opened another business. I contacted the owner 's new business and was able to get confirmation through email that no debts had ever been taken out by him with regard to XXXX XXXX. I asked First Credit Services to provide proof of the debt and have it mailed to me. I am at this time waiting for proof of the debt from First Credit Services , Inc. and would request an investigation into their business practices to prevent further fraud from being committed.
11/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07083
Web
I sent a letter in XX/XX/XXXX to First Credit Services requesting to validate the debt listed on my credit report. They sent me a letter in response in XXXX, they were unable to do so, but have not removed the debt from my credit. They have called me in the past and I clearly stated I ended my membership in person to the gym and did not owe any money. The gym wanted to charge me for personal training services in advance in XXXX because COVID began scaring off patrons. I cancelled my personal training services due to the uncertainty. They went ahead and charged me anyways. I told spoke to the manager and he stated they would resolve it. Instead they sent me to collections. I am now dealing with a debt collector who can not validate the debt at all and will not remove it from my credit. I will send another letter however it has been 3 years of me attempting to resolve this issue.
08/22/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75238
Web
i was recently a member of a health club at the beginning of the year, after that i became ill and was not able to use the membership, i contacted them and told them what was going on and i wouldnt be able to utilize my membership. they were rude about the whole situation. i called corporate and they were even worse, telling me it wasnt there fault that i became ill ( which i never argued that it was ) also there was nothing they could do about. i mean if im sick and cant utilize the membership and wasent at the time i should have not been charged for something. so iv recieved phone calls nearly everyday about how im going to be taken to court if i didnt clear the debt and for some thats really scary, i have kids so knowing or feeling like any day i could be served all because i could not keep a membership with a gym is kind of crazy and receiving threaten phone calls is beyond me.
09/23/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10306
Web
On XX/XX/XXXX I cancelled my gym membership with XXXX XXXX. On or about XX/XX/XXXX, I received a debt collections notice from First Credit Services, dated XX/XX/XXXX. First Credit Services was immediately contacted and requested debt validation as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to respond within 30 days failed to respond to the written request knowing they were obligated to respond to the debt validation request within the statutory time limit ; however, they failed to respond. On XX/XX/XXXX a follow-up letter was sent to First Credit Services, requesting debt validation as per the Fair Debt Collection Practices Act, and reminded that they are required to respond to my request for validation within 30 days of receipt ; however, they did not respond.
07/14/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 794XX
Web
First credit services called me to inform me of the debt to XXXX XXXX XXXX, I agreed to pay the settlement fee of {$140.00} the day I tried to pay it I gave all my account info to the representative he then stated he had to redirect me to another representative and they said I would have to give them all of my account info all over again but with another representative I then explained to them that something wasnt right and I wanted something in writing validating the debt a letter, a bill, or a statement to show who they are the balance of the debt the settlement amount they never sent anything in writing a couple of other times they would call I explained I would take care of the debt as soon as I got something in the mail from them. Im not sure why I'm having such a hard time I believe I should have rights in obtaining something in writing from this collector
07/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78114
Web
XXXX XXXX I paid a debt for XXXX $ with First Credit Services out of New Jersey. The company agreed to send a letter to the original creditor canceling my membership and any further payments upon receiving payment. They charged me XXXX $ instead of the XXXX $ and had to issue a refund. Today I received a call for a debt of XXXX {$.00} Last time I paid it the company did not send the letter to the original creditor that they had promised to send. This caused the original creditor to charge me again. In summary, First Credit Services promised to send a letter to the original creditors canceling any further charges from the original creditor upon receiving payment, They did not, and another payment was issued. First Credit Services said " You pay us, we cancel any further charges and cancel your membership. '' They did n't cancel further charges or membership.
10/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web Servicemember
I am being continuously contacted by First Credit Services. I spoke to a company representative on XX/XX/2023 at XXXXXXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the XXXX XXXX XXXX. The company that First Credit Services is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to First Credit Services to cease and desist phone calls to myself again.
03/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 14223
Web
I had a passed due account for a gym membership at worlds gym that happened because my credit card # changed. The debt was in collections status when I knew about it in XXXX of 2015. Once I noticed that I owed {$250.00} I promptly went and paid XXXX {$250.00} on XXXX XXXX 2015. The account was sent to collections in XXXX 2015 on this gym contract that was paid in full. When I reviewed my free credit report I noticed this was still on my report. Now a year later my credit score is down XXXX points because XXXX forget to end my membership and never marked my account that way in there system. When I received a call in XXXX of 2015, I called worlds gym and asked has this been taken care of and they said yeah its a scammer. Now I 'm risking not getting a possible job opportunity because this looks bad on my credit which has dropped from XXXX in the last year.
09/27/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • RI
  • 02908
Web
So First Credit Services Inc continues to call my number looking to collect a debt but it is not my debt it is the person who had the phone number before me XXXX XXXX. They ring the cell phone and i call back and ask them not to call. And they continue to I threatened to contact the CFPB today and they said they would stop but then i got another call from another one of their collectors. I need this to stop I am not XXXX XXXX and Id love to get a hold of this guy as the number of shady businesses he was involved in is amazing- I have been getting calls for months looking for him as change his number but I want this company stopped as ive had enough I am getting multiple calls from them as well as other Financial agencies trying to find this guy he is in debt to multiple lenders and banks and he has other financial agencies still trying to lend him money
08/13/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33411
Web
I am writing today because my identity was stolen and used not once but twice. I received notice from a company called FIRST CREDIT SERVICES claiming I owe {$700.00} XXXX. I immediately reached out to FIRST CREDIT SERVICES in XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. FIRST CREDIT SERVICES requested I send a fraud dispute letter in writing and a specialist would contact me regarding the unauthorized accounts. As of today FIRST CREDIT SERVICES has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.
04/11/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48009
Web
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI. XXXX ) SENT A COLLECTION NOTICE FOR XXXX ON XX/XX/XXXX. I CANCELLED MY MEMBERSHIP IN XX/XX/XXXX BECAUSE THEY CANCELLED XXXX XXXX AN EXERCISE CLASS AND THE REASON WHY I JOINED THE GYM. THE COLLECTION AGENCY STATED THAT I OWE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE PROOF THAT I CANCELLED THE MEMBERSHIP AND CALLED TO SPEAK TO XXXX XXXX ( MANAGER ) WHO APPOLOGIZED AND ACKNOWLEDGED THAT THE AMOUNT IS WRONG BUT STATED THAT HE COULD NOT DO ANYTHING ABOUT IT BECAUSE IT HAS ALREADY BEEN SENT TO COLLECTION AGENCY. FIRST CREDIT SERVICES , INC. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. XXXX IS WHO SENT TO COLLECTION NOTICE ON THEIR BEHALF. I ALSO SPOKE TO XXXX AT THE GYM WHO STATED THAT THE AMOUNT IS WRONG HE WOULD NOT GIVE ME HIS LAST NAME BUT XXXX XXXX WHO ALSO WORKS AT THE GYM SUBSTANTIATED THIS INFORMATION.
07/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11224
Web
I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.
01/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • XXXXX
Web Servicemember
I ordered a copy of my credit report and noticed this company trying to collect on a membership that was canceled. I signed up for a gym membership and realized that I could not afford to continue to pay for something that was not in use. I called up the gym and let them know that I was no longer interested and did not expect to have a problem since I was not under contract. The woman I spoke with told me to come in and cancel and bring a letter stating the reason and I did that. I only visited the gym 2 times during the first month of sign up. This is an unfair and deceptive practice. They can search their records to corroborate information. I will NEVER us XXXX XXXX XXXX again because of this and I plan to advertise my experience. Lastly, I am not sure what information was used to even have them be able to add a debt not owed to my credit file.
06/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92065
Web
Today, XX/XX/2023 First Credit Services reported a debt collection on my credit. First, I have not been notified by this collector I owe this debt in anyway, no emails, letters or phone calls. I do not owe this debt. Today, XX/XX/2023, I called their customer service number, ( XXXX ) XXXX, and asked them to provide me proof that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe. Prior to seeing the mark on my credit today, I have not been reached out to, by any collector in anyway. I have never received a letter, call or email to try and collect this debt. This debt is not mine and needs to be removed.
03/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75287
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... 1ST CRD SRVC ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX SV ( Original Creditor : 09 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • PA
  • 17109
Web
I received calls from a collections agency called First Credit Services in XX/XX/XXXX about a debt for roughly XXXX dollars for a gym that I never used that I was being told I still owed money for. I attempted to dispute the claim from the standpoint that I had moved from the area and no longer could access that gym. I sent them the appropriate paperwork within the 30 day time period and never heard anything from them again for more than four months until in the first week of XX/XX/XXXX it showed up on my credit report. I called them for clarification and they said they received my documents on XX/XX/XXXX and my dispute was denied by the creditor. However, the collections agency never sent me any documents to inform me of this denial or made any attempt to reach out to me via phone or any other means before reporting it to the credit bureau
10/27/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 48235
Web
Prior to the last communication that I received from FIRST CREDIT SERVICES, INC on XX/XX/2022 I noticed XXXX, XXXX has been trying to contact me through email for some time in regard to an alleged debt claimed said named owed to XXXX XXXX XXXX XXXX The amount said to be owed is {$280.00}. XXXX XXXX is violating the FDCPA Federal Debt collection practices act as well as my right to privacy. I demand XXXX XXXX to CEASE AND DESIST FURTHER COMMUNICATION WITH ME IN REGARDS TO THIS ALLEGED DEBT. I dispute having any responsibility or obligation to pay this alleged debt. If you stop the collection of this debt and forward it or return it to another company also indicate to that company that the debt is disputed. The only communication that I will accept is the communication by mail from XXXX, XXXX to notify me that this debt has been disputed.
01/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
In accordance with the Fair Credit Reporting act, FIRST CREDIT SERVICES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 15 USC 1681 section 602 A states that I have the right to privacy. 15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of. Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
05/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33705
Web Older American
I opened a one year membership with XXXX XXXX on XX/XX/2018 with a payment of {$74.00}. After that my monthly fee was {$42.00} which was automatically deducted from my checking account. On XX/XX/2018 I was charged an additional {$39.00}. When I questioned management they explained that it was a one time fee for cost of new exorcise equipment that they would be purchasing sometime in the future. I was not happy about this surprise charge and notified them that as per our contract I giving them the one month notification to cancel my membership and making my last payment. I explained this to at least 10 more people who called me repeatedly over the next two months. Finally, without letting me know, they put this unwarranted {$400.00} charge on my credit report. Numerous efforts on my part to resolve this issue with XXXX XXXX have failed.
01/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21237
Web
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75241
Web
I opened a gym membership with XXXX XXXX. They double-charged my bank account. I asked to speak with someone and no one with authority to fix the issue would speak to me i.e. the manager/owners. I cancelled my account due to moving away which was a valid reason according to the contract. The billing company asked for proof. I had an out of state I.D . all the proof I need. They appearently wouldn't cancel the account as per their own contract terms and sold the account to First Credit Services collections for an amount equal to the entire membership, including what I had already paid. So they charged me for a membership that I already legitimitely canceled. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX http : //www.firstcreditonline.com ( XXXX ) XXXX
01/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08610
Web
I visited XXXX in XXXX, NJ in 2015. I paid for one month and was never told that they would be continuing to bill my credit card on a monthly basis. When I finally realized it I contacted XXXX and was told that I was signed up for automatic payments and that I could not cancel unless I went in person to the facility. I immediately contacted my credit card company to dispute these charges. The credit card company has given me provisional credit and is working on the dispute. They also closed my card and issued me a new one. However, XXXX has subsequently referred these charges to a debt collector - First Credit Services , Inc. XXXX apparently signs people up for automatic payments whether they are aware of it or not and then refuses to cancel those payments upon request. These are shoddy, shameful business practices.
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66062
Web
I have already reported this company to the XXXX XXXX XXXX. And now I am reporting them to you all because they are trying to pin some erroneous debt on me saying I owe some membership to some gym, which I DO NOT OWE WHATSOEVER.!!!! They sent me a copy of the forms and they said they have a copy of my license.to which they showed an old license of mine that I havent seen for yearsnot only that Ive told them this account is fraudulent and they told me to provide an identity theft report to them, but never said where to send it. Im so sick of this company as I have read multiple reviews about their tactics and bad practices and this just confirms it. STOP TRYING TO OIN THIS FAKE DEBT ON ME!!!!! AND NEVER REPORT IT TO ANY OF THE CREDIT BUREAUS OR YOU WILL BE SUED TO THE HIGHEST EXTENT ALLOWED BY THE LAW.!!!
11/13/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28212
Web
First Credit Service is attempting to collect on a bad debt in the amount of {$84.00} the original creditor is : XXXX XXXX XXXX / XXXX, MA Dated : XX/XX/2016. I have never had a gym membership with this gym. In addition to that, I NEVER RECIEVED A RIGHT TO DISPUTE NOTICE, pursuant to the FCRA and the FDCPA..which as a consumer, I have the legal right to dispute and or request validation of any alleged debt that a collection agency is attempting to collect on. In this case, my rights have been clearly violated and this agency is in violation of the federal law. I have no knowledge of this account I haven't lived in MA in over 10 years and if the account were mine and it is NOT ... would it have reached the statute of limitation for reporting? This company has no proof that this account belongs to me.
08/20/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33544
Web
Let it be known that I XXXX XXXX am acting on my own behalf. On XX/XX/XXXX, I XXXX Accounts Receivable Technologies illegally reported a negative collection account on my consumer reports in the amount of {$2800.00}. I have never willingly entered into a contractual agreement, spoken to, or done any business whatsoever with Accounts Receivable Technologies. On XX/XX/XXXX the CFPB 's new debt collection rule became effective stating that The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. Accounts Receivable Technologies disrupted my workday with phone calls as well as advised me that the collections will be negatively reported to my consumer report if not paid in full within their timeframe.
04/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80226
Web Servicemember
I checked my credit score on XX/XX/XXXX and noticed it dropped 55 points because something was in collections. The amount was for {$140.00} and the account was opened on XX/XX/XXXX. The company was First Credit Services. The original debt was from XXXX XXXX XXXX. I called First Credit Services and told them I never received a notice or a phone call. Then then asked for my phone number and address. The address they send my collections to was an address I moved out of in XXXX of XXXX. I canceled my gym membership in XXXX of XXXX and paid first and last month of my membership. They charged me late fees and in XXXX charged me an annual renewal fee even though I canceled in XXXX. I was not aware anything was going to collections and XXXX never called me to inform me.
05/17/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 212XX
Web
I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There are 2 seperate contracts with 2 different dates and two different amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my XXXX credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.
11/04/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 662XX
Web
A company named First Credit Services has called me daily and repeatedly during my work hours, often twice or three times a day from different numbers. I believe this is related to a resolved issue related to a gym membership at XXXX XXXX in XXXX, KS. I paid the outstanding charges to the company and have not heard from them since. I have attempted to contact First Credit Services using the number given in the voicemails, XXXX. I have also attempted to contact the company using the number on their website XXXX XXXX. Neither call was able to be completed. I have records of repeated calls for 5 days in a row occurring from XXXXXXXX XXXX to XXXX. If I can't reach this company through their provided numbers then I have no idea how to dispute this debt.
11/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98683
Web Servicemember
On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.
07/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 285XX
Web Servicemember
I was a member of XXXX XXXX, XXXX, NY. When I joined the XXXX XXXX, In XXXX XXXX, I informed XXXX of my XXXX and asked to terminate contract. My mailing address was in NY, so I did not receive anything of the debt until XXXX XXXX. I received a letter from the gym stating owing them debt dated XXXX XXXX. I contacted the Gym, and they directed me to First Credit Services debt collection. I contacted First Credit, and spoke to XXXX XXXX. He told me that I owed them {$430.00}, which was considerably higher than the amount the Gym claimed I owed. I have not received any written notice of the debt from First Credit Services, and I gave them an updated address. I have sent a letter requesting a validation of the debt, but I have not received anything.
10/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 03038
Web
I received a voicemail from FIRST CREDIT SERVICES INC. stating that I have debt that was owed. When I called, they gave me an email to request the contract that they supposedly had for me. After about 30 days, without any notice in the mail, I received the contract. The only thing that matched on the contract was my first and last name. The phone number, signatures, email, mailing address were all INCORRECT. I sent the FIRST CREDIT SERVICES INC. this information and a copy of my license so they can verify that this was not valid or my debt to XXXX XXXX XXXX XXXX This was sent on XX/XX/23. I received an email from them on XX/XX/23 stating that I have not provided enough information for them to do an investigation on this dispute.
08/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33417
Web
XXXX XXXX This gym open a membership account without my knowledge they sent the account into collection and I was not aware I owe them anything Ive never step foot inside a gym I reach out to XXXX XXXX on XX/XX/2022 I explain to them the situation how I was sent to collections for some thing Im not aware of they told me I had to option I had to pay them the {$280.00}. or I have to create a brand new account and they will forgive me for the balance that I owed. Until this day XXXX XXXX have no record of me checking into the gym the only record they have of me check check into the gym was yesterday when I called the rep thats the only record they have its been over almost a year they have no record of me stepping foot in the gym
02/16/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 109XX
Web
Membership opened XX/XX/XXXX 13 Month contract ended XX/XX/XXXX never renewed contract or signed paperwork charged for XXXX XXXX {$19.00} I called the gym to ask how to cancel membership and given the direction of sending a letter of cancelation, was never told to send it certified sent letter regular mail stating canceling gym membership as of XX/XX/XXXX being charged XX/XX/XXXX plus annual member fee, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX for a grand total of {$290.00} did not receive any letters in mail or phone calls. only received collection mail in XX/XX/XXXX contacted gym said they couldn't assist me forward me to collection agency who repeated ask me for personal information
07/03/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • RI
  • 02914
Web Servicemember
I received a call back in XXXX of 2017 about a supposed debt collection from a gym that I used to belong to ( XXXX XXXX XXXX, No Contract ). The woman that I had spoke to was extremely rude and then threatened to destroy my credit if I did n't pay the bill. I did ask to get a letter stating that I owed them and wanted all of their information. She then refused and then stated that she had already sent me the information. It has been 4 months and now this is hitting my credit report, while I still have not received a single bit of paperwork stating who I even owe this money to! I have called them and told them to send me information, but they refuse to do so. They will not send me any information in regards to my " debt ''.
03/29/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NY
  • 10038
Web
My account was being paid in installments BEFORE it is negatively reported to the CRA 's. In the payment process, it was agreed that the payments be XXXX equal payments, the last being processed XX/XX/2017. I and my family have received repeated calls about the count between the payment processings and the most recent was to my mother with the representative stating that I gave THEM authorization to call her on my behalf and to ask for my contact information. This is incorrect and a flat out lie. She had no idea who they were and refused to give them my information. When I called and told them it was improper to do that, I was told they did not call her but have screenshots of her cell phone with their number listed.
12/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07666
Web
A collection agency First Credit Online has reached out to me about a debt that I do not owe, from a gym I closed my membership from 6 years ago. Because I am wary of them being an legitimate debt collection agency I asked them for their professional licence number and they refused to give it to me, saying " we can not give our personal information to consumers we are collecting a debt from ''. I 've called back consistently, and even though the number is based in new york ( XXXX XXXX, their office say they are in XXXX, New Jersey, but I get a consistent suspicion that they are working from offshore ( specifically in XXXX ). here is their website which looks slapped together : http : //www.firstcreditonline.com/
12/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19720
Web
To Whom It May Concern,My initial dispute letter was sent on XX/XX/XXXX, to XXXX XXXX they did not respond within 30 days. The second letter was sent XX/XX/XXXX, to XXXX XXXX no response. The third letter was sent XX/XX/XXXX to first credit services and on XX/XX/XXXX a letter was sent to XXXX XXXX credit reporting agency, again no response from first credit services, and XXXX XXXX verified it as accurate. On XX/XX/XXXX I sent the fourth letter to first credit services and they did not show proof that they had a right to collect anything from me. XXXX XXXX or the collection agency first credit service had proof that this account was mine. Please investigate and delete this from my credit file Immediately!
07/17/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75007
Web
First Credit Services located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX-XXXX-XXXX ) has a client by the name of XXXX XXXX located in XXXX, Tx. First Credit Services attached a debt to my credit report on XX/XX/2015 I have never in my life visited a XXXX XXXX. XXXX XXXX has my a different date of birth than I actually have. They also have an incorrect phone number and address. Both XXXX XXXX and First Credit Services have failed to remove the {$110.00} from my credit report. I have tried to work with both companies and it seems like there is not much more I can do one my own to fix this. I am asking the CFPB to please assist me in getting this false claim removed from my credit report.
11/04/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • XXXXX
Web
I was driving down the plaza in XXXX, FL and I approached a stop sign. A lady walked to my vehicle and told me that there is going to be a XXXX XXXX dollar gym being installed in the space behind her. And she asked if I would like to sign up. I told her yes only if I can pay as I go. On the opening day I showed up and looked around the front area of the gym. Never explored any other areas. My debit card was charged XXXX for something I never asked for. I told the manager at the desk that I did not authorize this charge and he told me that I made a committment to pay until XXXX. So I was lied to when the lady said I can pay as I go. I never went! And I am still not going ....
01/27/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11104
Web
My old gym, XXXX XXXX XXXX XXXX, did not cancel my membership due to an accounting error on their side in XX/XX/2019, following a XXXX XXXX due to their negligence. I have since been in touch with the gym to fix the issue, but since the gym had preemptively sent out a debtor claim with First Credit Services, FCS, I have had several debtors call me. It's clear they shared my information somehow because I've never owed a dime and now I'm getting phone calls from several different kinds of companies chasing me for these gym funds. The gym has confirmed they told FCS to stop contacting me, but now things have gotten worse. I have to block phone numbers multiple times a day.
06/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33312
Web
I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
09/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20748
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -with Account Number XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
04/10/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • WA
  • 98422
Web
Received on XX/XX/XXXX a letter in attempt to collect a wrongful debt from { first credit services , inc } on behalf of their client XXXX XXXX XXXX XXXX XXXX or ( XXXX ). XXXX could not provide any accurate information or confirm the validity of the initial signed agreement for the product which was a certification coarse totaling in the amount of {$2600.00} in which is trying to be collected. A social security number was not obtained to purchase this product and neither First credit services nor XXXX itself can validate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 was not properly disclosed by the company of this debt or associated with thereof.
03/05/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75080
Web
Over the past two years numerous times I cancelled my membership with XXXX XXXX - XXXX. Despite repeated written cancellations, refuse to cancel the membership and have continued to charge my debit card account each month causing my bank to recommend issuing a new card to stop the automatic withdrawals. They sent a bill for {$97.00} and are ruining my credit by charging a phony balance due. When I spoke with them on the phone they refused again to issue a cancellation of the account. I informed them that I would file a complaint with your agency for assistance in getting the account cancelled, my credit restored, and the balance mentioned cancelled and credited.
06/03/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 802XX
Web
I get calls about three times per day. Sometimes will pick up. I have once told them to stop calling. The company will call from different numbers and let me know the call is being recorded but will not let me know who is calling. I let them know to stop contacting me a couple times in the early stages of the collection process because I have not received any information verifying the debt or anything but they refuse to take me off their list. Even if I answer the phone they will call later on in the evening usually to try again. I have screenshots of every time and day they call and have blocked several of their numbers to stop the annoyance but it continues.
10/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78216
Web
Due to COVID19 and the fact my Gym Closed I called to cancel my membership which I was informed it would be cancelled. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Location was permanently closed. I received a collection letter today from First Credit Services and tried to explain the situation and was told even though the Gym was closed I still had to pay! This is fraud. I told them not to call me anymore and XXXX the Debt Collector got very aggressive and tried to tell me the Gym was open at the time I cancelled my membership which is not true. I would like this debt collection to cease and desist and for them to close it and not impact my credit report.
08/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23060
Web
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : 1ST CRD SRVC, Account Number : XXXX. I would like for 1ST CRD SRVC to show proof of verification that I owe them {$210.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37206
Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
03/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60657
Web
I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.
09/25/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08861
Web
I lost my credit card and requested a new one and wasnt aware my gym XXXX wasnt receiving any monthly payments. Im currently 5 months XXXX therefore I havent been going to gym, and it wasnt until a couple days ago when I went to cancel my membership that i found out i was past due on payments. I never received any phone call from the gym notifying me about this. I decided to go to my old address to check if I had received anything I came across a letter saying this bill was going into collection. Ive never missed any payment, I always have my payments on autopay and if I would of been notified about this I would of made a payment.
02/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 20120
Web
I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.
06/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33596
Web
I was moving to another state. so I had to cancel my XXXX membership. I tried to cancel in person, but they could not help me, and told me to call to cancel. I called on the phone, and was told I had to send a written cancellation letter. I did that in XXXX of 2021. I moved to XXXX to go to college. Now, a year later, my parents are getting collection notifications in the mail from FIRST CREDIT SERVICES, trying to collect on a year of " unpaid dues ''. I have since sent ANOTHER cancellation letter, this time by certified mail. I have tried to call multiple different phone numbers for XXXX XXXX, but no-one answers the phone.
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30045
Web
I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. First Credit Services Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with First Credit Services. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.
08/23/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19013
Web
Two representatives from First Credit Services called me on two different dates. XXXX XXXX called me on XX/XX/2021 at approximately XXXX XXXX eastern time and XXXX ( last name unknown ) called me on XX/XX/2021 at approximately XXXX XXXX eastern time. Both individuals confirmed the call is being recorded for training purposes. Not only did they call me repeatedly, but there was abusive language, no consent directly from me to contact me, and they called me at my place of business since I am an XXXX XXXX with an XXXX business. There are more details in my attached letters. The company has yet to respond to my two letters.
09/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 62040
Web Servicemember
Company called me first week of XXXX, stated I owed a debt. I requested them send me written verification of debt. They stated that they have but, to a different address. I updated my address with them and I have n't recieved any letter verifying debt. They called me today XXXX/XXXX/2016 asking me to payou, I stated I have n't recieved any mail in reference to the debt. I then provided my email to speed up the process, I havent recieved an email from the company to verify the debt. I called the number that called me and was told by a gentleman that he was not handling the case and I needed to call back in 30 minutes.
05/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76244
Web
Around XXXX of XXXX I started to get calls from my health club XXXX XXXX, ( now bought by XXXX XXXX ). I have gone to the gym off and on since XXXX. Every now and then they would have issues with my auto payment, and I would go to the gym speak to the manager and it would be taken care of. So in XXXX I went in and talked to the manager XXXX. XXXX told me not to worry about the calls he was going to take care of everything and start my membership up again. I still to this day am paying for my membership. I randomly looked at my XXXX XXXX app last month and saw I had a debt collection from XXXX XXXX ( was XXXX XXXX )
08/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 13208
Web
An outstanding balance was owed for a monthly membership to XXXX XXXX. The full amount was paid on XX/XX/2022 directly with the gym. The gym confirmed they spoke with the collector and stated the full amount was paid. Multiple emails have also been sent showing proof of statement from the gym, bank statements with the manager of the gym cc 'd on each email. The debt collector states they can not call XXXX directly and that nobody has reached out. We confirmed verbally and via email with XXXX multiple times in the past month that the amount has been paid and they spoke with the debt collector saying the same.
12/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33511
Web
I signed up for a gym called XXXX last year of 2016. I enrolled there for 3 months and canceled my membership directly with a sales associate. That person told me I was good to go and I successfully opted out of my contract. A month later, crunch billed me. I spoke to them in person and called and told me it was a misunderstanding. They repeatedly billed me month after month for a year straight and turns out from there lack of communication they have n't successfully opted me out due to the monthly bills and now i have a derogatory mark on my credit score which has affected my score significantly!
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07002
Web
On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX XXXX claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. I filed a XXXX complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.
08/26/2019 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07002
Web
On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX XXXX claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. I filed a XXXX complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.
10/28/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27705
Web
On XX/XX/2021 First credit services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send a bill and say its mines. According to FCRA First credit services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
10/12/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NJ
  • 083XX
Web
I was paying off my debts but when I contacted First Credit Services XXXX NJ to pay that debt off it was fishy right off the bat. The person who answered the phone could barely speak English so I hung up and called again and it was another person with bad English. I even called a third time and it was same thing and every time I called it was a different person who answered so they all had bad English. This prompted me to do some research on them and come to find out its a scam center. The reviews on XXXX about them says it all. Its a scam center! I cant give these people my info.
01/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07522
Web
I was in a no contract gym memebrship. All gyms were closesed due to covid 19. Plus it was not safe enough. Gym was closed for 3 4 months and reopened with limited capacity. I couldnt go in. Lost 3 family memebers to covid. Called the gym and told them that to cancel the service and refund money they said they will but never did. They also agreed to cancel the account but now after 8 month they sed it to collection affe ting my credit. I called collection and the gym but they want me to make a credit dispute with the beareus. I want this off my account and all charges withdrawn.
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39042
Web
XXXX is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by XXXX in fines. i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.
12/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 54481
Web
I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.
03/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 109XX
Web
I found out today due to a credit report that there is a debt collection on my account for retro fitness through XXXX XXXX XXXX in XXXX Nj. This is a gym membership that o asked to be canceled when the pandemic shut down all gums and havent returned since least XX/XX/2020. I attempted to call and advise them of my legal right and laws of the state and was told they can not help and I still owe the balance of {$260.00}. This is unacceptable behavior. First Credit Services- phone number XXXX. I need this debt to be removed out of my credit report and eliminated out.
07/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 47630
Web
On XX/XX/22 I received a letter from First Credit Services regarding an alleged debt owed for XXXX. I am not aware of this alleged debt nor believe I owe alleged amount. In response to this I sent out a debt validation letter requesting documents so that I can fully validate if this alleged debt is owed. I received notification that on XX/XX/22 First Credit Services received my letters via return green receipt. As of today XX/XX/22 I have not yet received any requested documents I asked for nor have I been compensated for these abusive debt collection practices.
01/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07410
Web
Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.
02/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 223XX
Web Servicemember
After reviewing my credit report, I noticed a collection that I previously told 1st Crd Srvc. Was not mines. They then without any other action reported this debt as being mines. Completing violating both federal and local laws. Before I file a small claims suit against this company for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent.
09/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33615
Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
12/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 71901
Web
I recieved a debt collection letter from First Credit Services , inc . Listed the Creditor as XXXX XXXX XXXX XXXX XXXX. The balance listed {$640.00} XXXX XXXX XXXX. This letter is the first and only time I've heard anything of this account. I've never applied for this account never paid on this account ; I've never heard anything about this account. This debt is not mine and I'm not paying for it. I spoke with XXXX at the credit services and fully explained this is not my account nor my debt and that I would be filing this report.
08/07/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78230
Web Servicemember
One year ago I received a notice of collection from First Credit Services in XXXX NJ, for a debt of {$110.00} to XXXX XXXX XXXX I have received 3 letters, each one after I responded requesting proof, because I do not or did not have a membership with this gym. I was sent a contract with a different signature, and it is a corporate account for a company I do not recognize. I have repeatedly stated to them this is not my contractor and they willfully continue to misrepresent the facts. Its also reached the point of harassment.
10/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22204
Web
I had cancelled my gym membership at XXXX XXXX in XX/XX/2019 and then was charged for two months afterwards in XXXX and XXXX. I disputed the charges with XXXX bank since I did not get services from XXXX XXXX and I won the dispute and got back {$79.00} I just received a letter in the mail from First Credit Services that I owe debt to XXXX XXXX and the amount is much larger ( {$150.00} ). I should not owe anything to XXXX as i cancelled my membership, already won the disputes and am extremely dissatisfied with their service.
09/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 119XX
Web
I had a membership at XXXX XXXX XXXX XXXX XXXX XXXX that became unaffordable so I requested cancellation but received no response from the club. Around the same time i lost my debit card so I had to replace it and on XX/XX/XXXX I received an email from First Credit Services , Inc, a debt collector, stating that I owed the gym {$1400.00}. I attempted to dispute the debt over the phone with XXXX XXXX XXXX and was denied. After filing this complaint I am considering contacting an attorney to review the clubs contract.
07/07/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85381
Web
XXXX XXXX was paid in full on XX/XX/2023 ( see attached receipt ). XXXX XXXX proceeded to send to collections ( see email from XXXX XXXX at XXXX at XXXX XXXX ). As a result, my credit score went from XXXX to XXXX ( see attachments ) forcing me into a significantly higher mortgage rate and delaying the close on my house ( see email from loan officer on XX/XX/2023 ). XXXX at XXXX emailed me on XX/XX/2023 and text me on XX/XX/2023 ( see attachments ) to waive the amount that went to collections and rejoin for {$1.00}.
10/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 194XX
Web
I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.
01/14/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07002
Web
I joined XXXX XXXX around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. Each and everytime I called the branch I was told that my membership was no longer active. Now I have a collection account on my credit reports for {$150.00}
03/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 16602
Web
First Credit Services calls me at least 5 times a day from multiple area codes. I have blocked many of their numbers and they continue to call. Here is just a list of the numbers I have had to block to try and get some peace. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • MA
  • 02062
Web
the company XXXX who in charge the work out world wrongly sent my name to a collection agency. After weeks of dispute, I agreed to pay the charge in exchange for this to be removed from my credit history. To my biggest disappointment, this collection account still come up on my credit report. I don't want to continue to engage in a back in forth with the agency. I just don't want to see this collection thing in my credit report as I was already paid the charge and more importantly wrongly charged.
06/16/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20774
Web
Hello to whom it XXXX concern 1st they called from a number located in Missouri, then called again from number located in Baltimore then another number located in XXXX Michigan. Company name is First Credit Services but when I answered the phone they guy used another name for the company. I feel as if its some fraudulent shady stuff going on with this company. I asked to speak to a supervisor on one call i answered the phone and it sounded like the same person on the phone just changed his name.
11/17/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
First Credit Services XXXX INC is reporting false and frivolous information to XX/XX/XXXX credit bureau Facts are, I cancelled the membership for XXXX XXXX in person, after that I did send a USPS Certified mail which a XX/XX/XXXXXXXX representative signed for. And I sent numerous e-mails which were responded as well and see attached to this. I advised by banking institution that I requested XXXX XXXX to stop charging my account as it was cancelled, action which was DISREGARDED by XXXX XXXX.
11/02/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32068
Web
i received a debt collecting letter from First Credit Services INC for the amount XXXX based upon the letter that i received ( attached ) it looks as though first credit services inc who is a debt collector is collecting on behalf of another debt collector XXXX XXXX XXXX. upon further research i learned that both companies first credit services inc and XXXX XXXX XXXX are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.
07/29/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85021
Web
the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. For example we spoke on XX/XX/XXXX at XXXX XXXX MST and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02062
Web
I canceled a gym membership that I had with XXXX XXXX in XXXX Massachusetts back in XX/XX/2020. I was told that the account was in fact canceled effective XX/XX/2020 and they will no longer collect money out of my bank account. Surprisingly enough I have been receiving harassing phone calls from a collection stating that I owe XXXX XXXX {$80.00} for the membership that I thought was no longer active. I have tried unsuccessfully in many occasions to contact the gym to no response.
06/23/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92394
Web
I had a XXXX XXXX membership for a while and when I stopped going to the gym for three months, I received a notice of collections but did not receive any phone calls or letter that my account was past due, neither was the funds being taken out of my account. when I went to pay my new due. The gym representative said it was already in collections. I was in collections for XXXX . I called the company and was getting charged {$500.00} I do not want to pay more than what I owe.
07/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33444
Web
I was received a letter from the " FIRST CREDIT SERVICES '' stated that I owed {$370.00} to XXXX XXXX XXXX XXXX FL Original Creditor that I have 30 days to answer. I send a letter to dispute the validity of the account before the XXXX day notice. I did not received any answer from FCS. Then I received a notice from XXXX XXXX stated that FCS sent my account toXXXX. They did not give me any chance to negotiate with them before sending my account to Credit Bureau Services.
03/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11235
Web
In XXXX, 2023 I got a Collection record from " First Credit Services '' in the amount of {$540.00} for a gym membership I never attended or signed up for. My credit report doesn't even state the original creditor 's name, nor the account number, had to investigate myself. I have reached out to the company, but was told that it was passed on to the collection agency and they " can't do anything about it ''. Filed disputes with credit reporting agencies with no avail.
04/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30044
Web
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
04/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75050
Web
I monitor my credit regularly and this time I pulled my credit report and saw that First credit Services reporting that I owe a debt in the amount of $ XXXX.I disputed this with the credit bureau and it came back as 'Account Information disputed by consumer ; meets FCRA'.This is not my debt and I want it removed. I have never signed up nor have I ever stepped foot in a fitness center! This is not a debt of mine and I am demanding that it be removed immediately!
08/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20748
Web
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Report : 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$170.00}
03/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75206
Web
Original Creditor Name XXXX XXXX XXXX XXXX Opened XX/XX/, 2015 ( 3 yrs, 8 mos ) This is Probably the wrong Date and also they have not validated my details l asked. How much l paid and what type of contract it was. It was not a contract but Month to month and hence should not be owing. Tried asking for details on how much was paid and how much the contract was and proof of the signed documents to verify what they state l owe and nothing has been shared
02/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10314
Web
To whom it may concern, I have a collections on my report that I do not owe from FIRST CREDIT SERVICES. I have no agreement with this company and there talking about a gym membership that was all settled years ago. I called the fitness company and they agreed i do not owe them money according to there records. This collections agency keeps calling me about money i do not know owe. They are saying I owe {$220.00} but this is inaccurate and I owe nothing.
03/11/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 77479
Web
XXXX XXXX- XXXX XXXX in Texas and a debt collection company called First Credit Services , Inc in ( XXXX XXXX XXXX XXXX XXXX ) XXXX , NJ has sent out collection notices threatening to submit my brother and my names to Credit report bureau for invalid bills that were created after we requested in person to cancel our memberships in XX/XX/2019. It is a fraudulent charge where the company denies acknowledgement of our canceling the membership in person.
09/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 03038
Web Servicemember
I received a letter from First Credit Services about a bill for {$180.00} that I do not owe. I canceled my gym membership months ago at the time I cancelled auto pay from my bank account. The gym was not even opened when they were charging me. I told them I would join again once the covid pandemic allowed. I did not even receive a bill from them before they reported me to this credit agency. Please give this dispute your attention. Thank you so much.
05/02/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 020XX
Web
I filed a dispute stating the debt First Credit Services , Inc. was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.
06/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85335
Web
XXXX XXXX XXXX incorrectly reported me to a collection agency called, First Credit. This agency reported I owe {$130.00} to the credit bureau which impacted my credit score. The information they are reporting is in correct. I called anytime fitness and they advise. There is nothing they can do but yet they are reporting incorrect information to the credit bureaus through this collection agency. They refuse to assist in anyway.
08/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 773XX
Web Servicemember
XXXX XXXX XXXX membership was cancelled properly WITH notice due to a move. According to that specific Gym 's policy moving outside the supported radius with sufficient notice was all that was required. That was done correct & the Gym itself was in agreement. However the account was incorrectly placed in collections & the collection agency refused to abide by those guidelines. This should NOT be on my credit report.
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 085XX
Web Servicemember
Please, that collection is a mistake. I stopped going to the gym a long time ago but the membership was active but I made my payments often, I can't pay that, because I wasn't using the membership. Now that collection is hurting me, you are violating my rights, they always call me at all hours to pay that debt but I can't pay for something I wasn't using the law 15 U.S.C 1681 602 A states l have the right to private
11/10/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77025
Web
Debt collection has been calling me continuously 2 times a day for the past couple of months even though informed them not to contact me. Because I didnt answer they proceeded to report the debt to my credit that was already there since XXXX. Now I have two different collection agencies on my credit trying to collect the same debt. One collection debt was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX.
03/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77077
Web
First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.
09/02/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90815
Web
I received a written collection notice from a 3rd party related to a membership with XXXX XXXX XXXX on XX/XX/XXXX. This is the first time I have received any written notice regarding a balance due with XXXX XXXX XXXX. The membership contract for this gym had expired several years ago and I have not entered into any new contract with this gym nor have I access any of their facilities since XXXX.
10/13/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 012XX
Web
I keep receiving calls from first credit in NJ say I owe XXXX dollars they are collecting from XXXX XXXX. XXXX is bankrupt and I have no way to get a hold of them. I should never owe them a dime and my insurance company say they never billed them on the date that first credit is reporting I used their service. What do I do? Am I being scammed? This is not right. They basically said too bad.
04/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55076
Web
I received notice in regard to an amount owed on a XXXX XXXX XXXX. I signed up for a membership and it was cancelled and never used in the first 3 days under the terms of the agreement. The company never contact me to collect the debt. Now the debt has been sold to another agency who is demanding payment, has reported to the credit bureau, and has failed to validate the debt as requested.
06/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22201
Web
I have received at least 2 phone calls a day for the last 2 months from different numbers saying I owe a debt to XXXX ( that I am not sure I owe ), when I or my husband ask who is calling I get no response, I asked them to send me a letter verifying who they are and have not received any letters. They very rarely leave voice messages but threaten my credit and legal action when they call.
04/27/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97015
Web
Recently received a notification of a debt from a unknown collector that I have never had a contract in place with. They sent a copy of a contract and invoice with unrecognized fees, interest and tax. I requested them to provide me. Breakdown of how the fees were calculated but thats not what they provided. Under the fcra I am allowed to have breakdown on how theses fees were calculated.
08/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • XXXXX
Web
I have a loan with XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ) with no successful resolution. There was definitely an error on their part.
06/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19061
Web
I had a membership to XXXX XXXX which was on auto pay out of my account, I was no longer able to go to the gym due to work priorities and went to my local facility and cancelled my membership. I pulled my credit report to view any changes and noticed a collection charge for XXXX from FIRST CREDIT SERVICES. I had auto pay and closed my account there was no previous balance due.
12/10/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 76011
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
04/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30349
Web
This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.
08/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33467
Web Servicemember
I had a club membership for XXXX XXXX and had to cancel it due to relocating. They stated I had to wait three months/ 90 days and I could cancel it I went into the health club physically signed documents to cancel the membership and they said everything was paidNow I have this on my credit when I paid. This is erroneous charges and needs to be removed from my credit report
06/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08861
Web
On XX/XX/XXXX money has been trying to take out from XXXX XXXX and i never made an account with them now its in collecting and thats incorrect since i never made an account with them. My dad had me under his account as a membership for XXXX XXXX on XXXX this really needs to be fixed it shouldnt be charging or trying to charge me if they dont even have my credit card number
10/26/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92335
Web
I cancelled the XXXX membership with manager within 2 days. I asked for 1st months money returned-manager Refused. Manager shut off entry key card immediately-I had no entry. Collection and XXXX, Gym manager, refuse to Prove entry because entry key card was off-there was none. I never received any bills, invoices, late payment notices before today. All of this is a Lie.
01/21/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21230
Web
Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.
10/16/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95966
Web
I called on XXXX/XXXX/XXXX to dispute a debt that they were trying to collect. The representative I spoke with was condescending and tried to make it seem like there is no way I could be telling the truth. Then tried to tell me that I couldnt dispute the debt unless I sent them proof that I had not purchased the gym membership to a XXXX XXXX XXXX I refused.
08/13/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report and found collection account on my credit report. I am not sure how this happened, but this is a total violations of FCRA and FDCPA, and under these provisions I demand that this account be removed from my credit file as I never had any type of relationship with this company or any company associated with you.
06/24/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78573
Web
First Credit Services contacted me and told me i have a debt that needs to be paid off. They asked me numerous times to provide my bank information through the phone but I was adamant on not doing so. They referred me to using their website to make the payment. Now its been months and they call me on the daily up to this day. It marked on my credit score
02/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78572
Web
Years back i had a membership with XXXX XXXX XXXX, It was a No Contract Membership. MY Social Security Number was never given to the Creditor. I payed for a good year then Cancelled my contract in person with the Representative there. I asked the Creditor for Validation of debt AT LEAST 3x through the phone but they have YET to send me an E-Mail.
03/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33415
Web
XXXX XXXX XXXX is collecting a debt, That was repeatedly trying to cancel. Now they have XXXX collection agency, collecting a debt, with an amount different of was supposibly owed. The e mail I sent to XXXX, cancelling the membership, address to e mail, was taking from their website, was ignored, never got an answer.regarding my cancellation attend.
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • RI
  • 028XX
Web
I called because there was an open account on my XXXX report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.
10/12/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07017
Web
Had a XXXX XXXX but moved out of the area where the gym was located. Cancelled XXXX XXXX but they continued to bill me and sent it to collections worth {$830.00}. Disputed the collections with XXXX and was completed on XXXX XXXX, XXXX. Item was deleted due to fraudulent charges and change in address and never receiving notification of collection.
02/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75082
Web
Per XXXX Connection policy, a certified document was mailed by XXXX to terminate the contract. The health club did not terminate contract and proceeded to continue charges and amount was submitted to First Credit Services collection agency. I have copies of the certified document as well as the tracking label of the certified document.
01/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33326
Web
The company XXXX XXXX ( First Credit Service ) is looking for a person unrelated to me. They call and harass on a daily basis. I have repeatedly answered and explained I am not the person they are looking for. I have asked to speak to a manager and they denied to transfer me. I have records of the calls. This is straight harassment.
09/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33619
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
08/24/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WV
  • 25404
Web
first credit service contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.
11/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 16506
Web
First Credit services located at XXXX XXXX XXXX XXXX New Jersey have been call and harassing me about a collection in the amount of {$110.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
01/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66062
Web
First Credit Services is reporting a {$950.00} debt for a gym membership that I was part of for three months. The debt collector is trying to collect three years worth of membership fees. I have asked the debt collector to verify the debt and send the original contract, but the debt collector has failed to respond.
10/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19047
Web
When I called I asked for a pay to delete if I paid in full and on a recorded line I was informed yes. Now today I called back asking for a confirmation letter and the supervisor informed me that they do not pay to delete so I was lied to on a recorded line Supervisor name is XXXX XXXX from First Credit Services.
03/09/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 75230
Web
I received an email from HR stating that a letter had been delivered to my job. I had no idea who'd sent it as my job is not listed under my mailing address. When I get there, it is from First Credit Services. I never gave them or XXXX XXXX information about my place of employment due to protection reasons.
09/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29611
Web
Repeated attempts to get us to pay for a service that was cancelled in XXXX. XXXX XXXX franchise claims they do n't have a record of the cancellation request. Their " debt collector '' will call from various numbers with different area codes frequently ( on XXXX occasion XXXX calls within XXXX minutes ).
11/16/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 461XX
Web
New collection agency old debt from gym membership that had been cancelled and company trying to collect on past due balance that did not apply. Second time complaint has been made about this same company. No written communication of debt has ever been sent just added to my credit report without notice.
02/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 336XX
Web
A debt of {$98.00} was paid to the collection agency. Info : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX A debt owed is still showing in my credit report after it was paid and I would like to have that removed please. It is taking more time then expected Conformation number of debt paid : XXXX
07/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07201
Web
First credit services/XXXX XXXX XXXX XXXX gym membership was cancelled due to sickness and was told account would be closed and no further charges. They did not close account and placed on collections. I have called and try many times to have this removed from my credit report and they did not do it.
06/30/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07039
Web
For at least a 3 months ( my phone doesn't show farther back than a month and I can't remember exactly when this started ) this company has called me at least twice a day, nearly every day. It is a different number each time, increasing by one ( XXXX, then XXXX, XXXX ... ) so I can not block them.
11/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37128
Web
I have an account reporting on my credit file as of XX/XX/XXXX that is in collections for {$180.00} with XXXX XXXX XXXX. I just turned XX/XX/XXXX of this year. This is not my account. I tried to dispute it online with the credit bureaus today but was unable to create an account due to my age.
01/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97317
Web
FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Reported me to collections for debt of {$990.00} thats affecting my credit, they are trying to charge me for something when I was minor, or have the wrong information, now is affecting me for future loans and housing,
11/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11010
Web
These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. first credit services date XX/XX/XXXX {$6000.00} 3. XXXX XXXX XXXX date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX XX/XX/XXXX {$0.00} 5.XXXXXX/XX/XXXX {$0.00}
07/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 752XX
Web
I received a credit alert regarding a collection from first credit services, this company me one day and i informed then this debt was not mine and they need to contact the gym for more information, i never received a debt validation letter or itemized statement with amount of charges.
03/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OK
  • 731XX
Web
Have been called twice daily for a week after my wife and I both have told them not to call us in an attempt to collect. Last call at XXXX XXXX/XXXX/06. Started on caller ID as First Credit Services, now they are " unavailable '' on caller ID. number used are XXXX, XXXX
10/25/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 125XX
Web Older American
calls daily from various phone numbers listed across the country. The name that shows up on caller ID is First Credit Ser ( vices ). Never received any notification from company, no explanation. I do not want to engage personally as this is totally unknown entitiy.
01/02/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27713
Web
First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.
02/06/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19403
Web
This is a gym that i have not belonged to in 2 years and they are charging me after I cancelled my account. I have spoken to the gyms manager who confirms I do not owe the money but the owner will not call the credit collectors even after multiple calls to gym.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 33813
Web
After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my XXXX credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my XXXX credit report without notification to me beforehand.
12/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
NOTICE OF FRAUDULENT ACCESS TO MY NON PUBLIC PERSONAL INFORMATION. No express written consent was provided. My right to privacy was breached by FIRST CREDIT SERVICES. I am claiming harm by way of TRESSPASS, FRAUD, EXTORTION, RACKETEERING & IDENTITY THEFT.
03/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37076
Web
XX/XX/2107. The amount is {$210.00}. A company called me saying that I have a debt from XXXX XXXX which I dont. I cancelled it because I moved to another city because the city i moved to didnt have a XXXX XXXX. I even paid them to cancel my membership.
04/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 025XX
Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
10/27/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11520
Web
I cancelled my XXXX XXXX membership and the amount owed is incorrect. The collection agency reported the wrong amount to the credit bureaus without confirming the dispute amount with XXXX XXXX without my knowledge. First Credit Services
10/11/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 720XX
Web Servicemember
I am still receiving repeated calls from this agency nonstop. They call anywhere from XXXX till late at night. I do not know the nature of these calls or the debt associated with them. I filed for bankruptcy and everything was included.
03/09/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75230
Web
I've been getting phone calls at all hours of the day from different numbers that don't even leave voicemails. They left one once and since I didn't answer they've started calling from different numbers at least 3 times a day or more.
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 124XX
Web
i cancelled my membership with XXXX XXXX in XX/XX/2020. The keep on renewing it without my consent. XXXX does not want to cancel my membership unless i come into the the location. I am located over 100 miles away due to moving away.
03/30/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20601
Web Servicemember
First Credit Services repeatedly calls me not saying anything. I have verbally asked for them to take my number off the contact list and Im still receiving calls. This complaint does not serve as an endorsement of an alleged debt.
04/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 333XX
Web
XXXX XXXX presented me with an offer that if I reinstated my membership, any balance owed would be removed from my credit report. I have had a current membership with them and this has still not been removed from my credit report.
04/16/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92011
Web
I have a perfect credit score, and I do not owe anyone any money. First Credit Services robocalls everyday at least twice. I have registered my phone # since XXXX and then again on XX/XX/XXXX. The calls are annoying and constant.
05/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07083
Web
There is no contract or agreement that I owe the XXXX or its collectors any money. I've disputed it a million times in person, email and via phone. Yet collections is now after me for amount I donot owe for the amount of XXXX
09/19/2019 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 34667
Web Servicemember
Cancelled membership in XXXX 2019 and notified company by phone call and mail to STOP taking money out of my bank account after XXXX 2019. I'm owed a refund for any months taken without my consent after XXXX 2019 2019
07/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27526
Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with 1ST CRD SRVC plus they did not provide me with the original application like I asked. Account No:XXXX Amount Disputed : {$480.00}
06/10/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08087
Web
I sent a validation of debt letter in the mail on XX/XX/2021 and have not received the info I requested within the 30 day period I stated in my letter, I am asking you to remove / delete this debt from my credit.
06/17/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 64850
Web
First Credit Service continues to contact me about a supposed debit that my wife owes. Will not share information with me, will not mail information to us. At least XXXX phone calls per day, this is harassment.
04/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46360
Web
First Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
05/18/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
08/25/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02302
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/21/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02302
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/21/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 021XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/23/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • RI
  • 02914
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/10/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02740
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/26/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
01/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 711XX
Web
Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
03/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20774
Web
A debt was owed to XXXX 's XXXX in the amount of XXXX which has been paid to XXXX 's XXXX with a receipt attached. First Credit Services has a collection on me for {$35.00} and I do not know why.
06/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OK
  • 73099
Web Servicemember
First Credit Services XXXX This company calls me multiple times a day and it's always a foreigner making the call which leads me to believe it's a scam even though the number is out of XXXX, TX.
05/14/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77429
Web
In XX/XX/2019I recieved a call from XXXX XXXX XXXX stating that I owed a debt. I requested that they send me verification of the debt in question and they did not. They sen t me a bill instead.
08/18/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 452XX
Web
They call me 2-3 times a day. Since I refuse to give them my personal information because Im not sure who they are this company calls me every single day!! And when I do answer they hang up
04/18/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DE
  • 19805
Web
I cancel my gym member ship, and I was still being charge for something I wasnt using. I called explain that I could no longer afford the membership, and XXXX XXXX was still charging me
04/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MD
  • 20774
Web
Bankruptcy in XXXX of XXXX. Debt collector did not start calling until XXXX. I have not received no paperwork about this debt. Abusive language was used and person did not listen.
09/03/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02302
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/23/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02302
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
06/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48187
Web
XXXX XXXX XXXX opened an account w a bill collector for me and Ive never received a letter about the debt being owed. Its with first credit services with a balance of {$460.00}.
11/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37128
Web
First Credit Service is attempting to collect a debt. 15 U.S. Code 1692f ( 1 ). Im requesting they send me the agreement I have with their company concerning this alleged debt.
04/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33311
Web
Wrote the company on numerous occasions asking them to investigate the account because that debt did not belong to me. company failed to respond or delete the collection.
10/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21213
Web
XX/XX/2021 Amount {$230.00} I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX XXXX XXXX ).
01/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IN
  • 46368
Web
They keep calling me after I told the person calling to stop and they said no you owe this debt and we want our money it got so bad I had to change my cell phone number
08/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48170
Web
This debt collector is attempting to collect an unverified debt that I believe does not belong to me. I am unaware of any such company, and I do not owe them any money.
05/24/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • XXXXX
Web
In a single day I am getting 8 calls and all for a person that I do not know and are now harassing me and want this unlawful behavior to stop. This is a mobile phone.
05/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WY
  • 825XX
Web
A debtwas opened on XX/XX/XXXX of 2015, in the amount of {$200.00}, for an account with XXXX XXXX. I never received any information of this debt in the last 5 years.
04/20/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 91780
Web
Got a collection on my credit report without even being contacted about anything with this scam company. No communication was sent to me I never spoke to anyone.
03/19/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75240
Web
I received an alert this morning that a collection was added to my report. I've never heard of this company before. Never received any correspondence or calls.
07/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30045
Web
Account Name : 1ST CRD SRVC Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$140.00} Reason : Identity theft Please remove it from my credit report.
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33625
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
03/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85268
Web
I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge my account.
09/28/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38671
Web
On XX/XX/2023 I sent a letter to first credit services to verify the debt. Instead they sent me a bill or statement that is not required by FDCPA
03/02/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 085XX
Web Servicemember
that was a mistake on you part because I paid my gym fee.f you are violating my rights. 15 u.s.u.c 1681 section 602 and are affecting my credit.
12/25/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MD
  • 20747
Web
I sent a letter to first credit services not to contact me by phone. I 'm still being harrassed to this date with threating and other tactics
11/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 310XX
Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
07/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60056
Web
On XX/XX/2023 I called First Credit Services, the Collection Agency for XXXX XXXX-they could not find the account because it is false.
10/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34743
Web
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.
05/18/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91780
Web
No debt verification received, contacted company and was told i would be provided information i was not
01/30/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07036
Web Older American
First Credit Services is trying to collect a XXXX Debt, that i settled, and paid off to XXXX XXXX XXXX
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 73132
Web
First Credit Services. Multiple repetitive calls from fake numbers to deceive me into answering.
07/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20105
Web Servicemember
Debt collector is using a creditor that does not exist in an effort to collect a debt from me
10/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 335XX
Web
Account showed up in my credit report, not my debt and I want it removed
08/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28054
Web
I NEVER GOT VALIDATION OF THIS NOT BY MAIL OR ELECTRONICALLY
05/23/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NJ
  • XXXXX
Web Servicemember
GETTING FREQUENT PHONE CALLS EVEN TOLD THEM TO STOP CALLING
03/08/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • XXXXX
Web
First Credit Services makes fraud with me
10/14/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NJ
  • 07054
Web
The following Debt is not mine
12/29/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 770XX
Web
Calls every day twice a day
02/02/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29115
Web Servicemember
01/26/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89110
Web
01/24/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23803
Web
01/23/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32837
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34769
Web
01/15/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 49203
Web
01/12/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43213
Web
01/07/2024 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 452XX
Web
01/04/2024 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30274
Web
12/28/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 71055
Web
12/28/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23114
Web
12/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 02324
Referral
12/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30305
Web
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33511
Web
12/15/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38558
Web
12/14/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • TX
  • 75098
Web
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32824
Web
12/12/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33573
Web
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30008
Web
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31639
Web
12/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WV
  • 25387
Phone
11/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33610
Web
11/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78254
Web
11/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23322
Web
11/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33559
Web
11/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33614
Web
10/27/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 61201
Web
10/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93551
Web
10/24/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48380
Web
10/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11590
Web Servicemember
10/10/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32773
Web
09/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30017
Web
09/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75039
Web
09/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33027
Web
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 16506
Web
08/29/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30342
Web
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32506
Web
08/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46901
Web
07/27/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08852
Web
07/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30339
Web
07/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02740
Web
07/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07029
Web
07/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30141
Web
07/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11550
Web
07/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32703
Web
06/22/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11432
Web
06/12/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33913
Web Older American
06/05/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75013
Web
06/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33055
Web
05/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 64120
Web
05/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77054
Web
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33012
Web
04/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34771
Web
03/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33413
Web
03/18/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33712
Web
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30339
Web
03/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 11953
Web
03/13/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33177
Web
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 07306
Web
02/21/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92337
Web
02/16/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11704
Web
02/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11433
Web
02/13/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 91326
Phone
02/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07504
Web
01/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33762
Web
01/31/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94158
Phone
01/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • SC
  • 29445
Web
01/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 71129
Web
12/14/2022 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • LA
  • 70506
Phone
12/09/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MA
  • 02148
Phone
11/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78130
Web
11/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 20165
Web
10/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30046
Web
10/17/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37211
Web
09/26/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85209
Web
09/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48221
Web
09/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30349
Web
08/31/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 36075
Web
08/11/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 15108
Web
08/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30288
Web
08/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92335
Web
07/31/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35044
Web
07/08/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27604
Web
06/28/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70791
Web
06/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Web
06/05/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32836
Web
05/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91306
Referral
05/18/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75019
Web
05/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90806
Phone
05/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78108
Web
04/11/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11706
Referral
03/20/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22712
Web
03/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22712
Web
03/14/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33167
Web
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33592
Web
02/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33460
Web
02/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 79927
Web
02/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
01/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30075
Web
01/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33189
Web
01/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11235
Web
01/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08721
Web
01/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11230
Web
12/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70601
Web
12/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01801
Web
11/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11432
Web
11/12/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07601
Web
11/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30291
Web
11/09/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30342
Web
11/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95073
Web
10/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30101
Web
10/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30076
Web
10/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11102
Referral
09/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48180
Web
09/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29605
Web
08/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29414
Web
08/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30349
Web
08/04/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75154
Web
08/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
07/26/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29532
Web
07/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29461
Web
07/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85024
Web
07/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33064
Web
07/15/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76522
Phone
07/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78596
Web
06/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30011
Web
06/16/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08055
Web
06/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68138
Referral
06/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32724
Web
05/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 32805
Web
05/27/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91915
Web Servicemember
05/21/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AP
  • XXXXX
Web Servicemember
05/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32828
Web
05/13/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46901
Web
05/12/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37167
Web
05/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
05/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75033
Web
05/01/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19154
Web
04/29/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33162
Web
04/12/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11370
Web
03/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30082
Web
03/30/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11550
Web
03/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 34237
Web
03/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29485
Web
02/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34237
Web
02/11/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11203
Web
02/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02472
Web
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30312
Web
01/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02721
Web
01/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02453
Web
01/15/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 70128
Web
01/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34221
Web
01/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77383
Web
12/20/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02721
Web
12/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TN
  • 37208
Web
12/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NH
  • 03053
Phone Older American
12/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27529
Web
12/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78749
Web
12/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07304
Fax
11/23/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08901
Fax
11/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34714
Web
11/20/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75043
Web
11/13/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07747
Fax
11/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22201
Web
11/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60612
Web
11/07/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OH
  • 44134
Web
11/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CT
  • 06042
Web
10/27/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07601
Fax
10/22/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78736
Web Servicemember
10/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30297
Web
10/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08753
Web
10/08/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76028
Postal mail
09/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • MD
  • 20735
Web
09/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30102
Web
09/15/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07002
Web
09/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07093
Referral
07/28/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77489
Web
06/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 95747
Web
06/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33604
Web
06/09/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10977
Fax
06/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27407
Web
05/31/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35957
Web
05/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33919
Web
05/17/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33510
Web
04/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07305
Web
03/28/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10962
Web
03/25/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10960
Web
03/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21085
Web
03/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93550
Phone
02/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21085
Web
02/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15120
Phone Older American
01/31/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19720
Web
01/22/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
01/14/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02532
Web
11/21/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Older American
11/16/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AK
  • 99664
Web
11/13/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 02465
Web
11/04/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70129
Web
11/04/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07055
Web
10/24/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93012
Web
10/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60657
Web
09/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92109
Web
08/08/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NJ
  • 07083
Web
07/23/2019 No
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • DC
  • 20024
Web
07/12/2019 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19057
Web
06/28/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NJ
  • 07621
Web
05/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
05/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07304
Web Servicemember
05/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MD
  • 20851
Web
04/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91408
Phone Older American, Servicemember
04/04/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90011
Web
03/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75070
Web
03/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75080
Referral
03/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75051
Web
01/30/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02886
Web
12/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33312
Web
11/29/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28211
Phone
11/26/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30533
Web
11/05/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75062
Web Servicemember
10/24/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07011
Web
10/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75211
Web
10/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02136
Web
10/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11216
Postal mail
09/04/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30189
Web
05/23/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22209
Web Servicemember
05/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
04/04/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21144
Web
03/23/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07047
Fax
03/22/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07747
Web
03/14/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34205
Referral
03/09/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11553
Web
02/28/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 78660
Web
02/21/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92620
Web
01/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33458
Web
01/11/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75074
Web
01/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75216
Web
12/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • 19808
Referral
12/06/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02472
Web
11/25/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30064
Web Older American, Servicemember
10/12/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10451
Web
09/27/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20748
Web
09/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07057
Web Servicemember
08/29/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MA
  • 02451
Web
08/28/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07102
Web
08/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95363
Postal mail
07/31/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33907
Web
06/08/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29407
Web
05/30/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28027
Web
05/26/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11230
Postal mail
05/24/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 20720
Web Servicemember
05/17/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75093
Postal mail
05/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75028
Web Servicemember
04/07/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 12528
Web
03/26/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 31907
Web
03/16/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30339
Phone
03/13/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75067
Web
02/19/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29626
Web
02/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NH
  • 03051
Web
02/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MA
  • 01462
Web
02/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76018
Web
01/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37129
Web
01/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NJ
  • 07853
Web
01/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 78641
Web
12/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07304
Web
12/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07304
Web
10/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07045
Web
09/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20120
Web
09/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 92244
Web
08/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07208
Web
08/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
Phone
08/16/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 70448
Referral
07/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 082XX
Web
07/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94565
Phone
07/05/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20746
Web Servicemember
06/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32244
Web Servicemember
06/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11226
Web
06/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29072
Web Older American
06/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07726
Web
05/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90802
Web
05/03/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 08857
Web
03/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07660
Web
02/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 08330
Phone
02/09/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07040
Web
01/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 94107
Web
01/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75048
Web
01/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21043
Web
12/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29801
Web
10/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22150
Web Servicemember
07/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 01887
Web
07/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20613
Web
07/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CT
  • 06457
Web
06/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07648
Phone
05/18/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33990
Web Servicemember
04/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11223
Web
04/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 10461
Web Servicemember
03/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75010
Web
03/23/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17268
Phone
03/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78681
Web
03/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20770
Web
03/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63033
Web
03/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07050
Web
03/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10463
Web Servicemember
02/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23224
Web
01/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 75244
Web
01/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • WA
  • 98278
Web
12/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37037
Web
12/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MD
  • 20716
Web
12/29/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 78521
Web
12/24/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • NJ
  • 07080
Web
12/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • DC
  • 20003
Web
12/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94116
Web
11/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • TX
  • 75228
Web
11/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • 52761
Web Servicemember
11/18/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43201
Web
11/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34231
Web
11/14/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 45014
Web
11/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • VA
  • 20124
Web
11/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DC
  • 20037
Web
11/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31005
Phone Servicemember
10/31/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11203
Web
10/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 66208
Web
10/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20724
Web
10/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • 99567
Web
10/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28216
Referral
10/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78154
Web Servicemember
10/10/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29651
Phone Older American
09/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07660
Web
09/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30567
Web
09/12/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 02465
Web
09/09/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75051
Web
09/08/2014 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98056
Web
09/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23455
Web
08/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35603
Web Servicemember
08/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48105
Web
07/31/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20002
Web
07/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22901
Web
07/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20712
Web
07/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85041
Web
07/21/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08875
Web
07/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32259
Web
07/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20003
Web
07/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 10309
Web Servicemember
06/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10940
Referral
06/07/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94551
Web
06/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34685
Web
06/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75672
Web
05/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07076
Web Servicemember
05/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08734
Web
05/16/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 90034
Web
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34232
Referral
05/05/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80501
Web
05/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92311
Web
05/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30328
Web
04/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75071
Referral Older American
04/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07716
Web Servicemember
03/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23233
Web
03/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NJ
  • 07201
Web
03/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 08723
Web
03/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19440
Web
03/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78260
Web
03/12/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • VA
  • 22003
Web Servicemember
03/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33012
Web
02/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 92545
Web
02/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23139
Web Servicemember
02/25/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78723
Web Servicemember
02/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NJ
  • 08723
Referral
02/18/2014 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 77382
Web
02/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20001
Web
01/24/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32908
Web
01/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75026
Web
01/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73149
Web
01/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07024
Web Older American
01/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75771
Web
01/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75640
Referral
12/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10016
Web Older American
12/12/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48135
Web
12/10/2013 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • VA
  • 20148
Web
12/10/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29405
Postal mail
12/09/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 08844
Web
12/06/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • NY
  • 11105
Phone
12/01/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75040
Web
11/22/2013 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33579
Web
11/21/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
Phone
11/21/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • 99623
Web Servicemember
11/20/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 71006
Web
11/19/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85018
Web
11/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87112
Web Older American, Servicemember
11/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07726
Postal mail
10/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20878
Web
10/04/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22309
Web
09/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07746
Web