Outsource Services, Inc. d/b/a National Acceptance Company CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21222	Web	Older American
I want to voice my complaint about deceptive practices that are evidenced at XXXX XXXX ( XXXX ) Gym. During the month of XX/XX/XXXX thru XX/XX/XXXX, XXXX put out an advertisement as a XXXX XXXX. They were looking for 45 participants to embark on a 16-week weight loss journey. I attended an informational session on Friday, XX/XX/XXXX. The program would begin on XX/XX/XXXX and end 16 weeks from that date or approximately XX/XX/XXXX. I decided to join for the 16-week challenge. We were also informed that XXXX is using a billing company, National Acceptance Company ( NAC ) to handle the monthly payments. I paid two months in advance on XX/XX/XXXX, one payment would be due XX/XX/XXXX and the final payment due XX/XX/XXXX. During the informational session, it was stressed to attend 3 times a week alluding to the fact that you had to make at least 48 sessions ( 16 weeks x 3 days a week ). If you do not, your assigned trainer will stay on you. Nothing was stated that you will have to continue to pay the monthly fee for an entire year. What was stated was- After the 16 weeks, you can choose to continue with the program or cancel. If you choose to just do the 16-week challenge, a letter will be provided to you to send to the billing company to stop the monthly payment coming out of your account. XXXX also started a private XXXX XXXX. DECEPTION # 1 : The program was limited to 45 participants. During the first week I attended an evening class. The class was packed. I thought it may have 10 to 15 participants, but it appeared to be over 25 or more students in class. Looking at the pictures on the XXXX page, all the classes were packed. Obviously, they registered more than the stated 45 people. I voiced my concern in the private group chat. Others had the same concern. The classes were larger than anticipated and the concern of COVID-19 outbreaks and social distancing were not really addressed. I continued to attend though I was already disappointed and felt that we were all misled. It was stated they had an overwhelming response, so they kept registration opened. The registered over 250 people. DECEPTION # 2 The classes are small and you have the flexibility of choosing your scheduled class time. Social distancing will not be a problem. During the informational session in XXXX, it was stated that since it was going to be a small group and classes are held six days a week and approximately 8-10 classes a day except Saturday which is maybe one or two classes, there should be no concern of overcrowded classes and you have the flexibility of choosing your own time for a workout. Sometime in XX/XX/XXXX, due to the surge in COVID, they required everyone to register for classes instead of showing up at any time and limiting it to 20 participants a class. Unfortunately, I could not sign up in advance due to my work schedule and I needed the flexibility of being able to show up when it was conducive to my schedule. I tried to sign up a few times, but the timeframe that worked for me was already full. After a few tries, I decided to count it as a loss and after the 16 weeks, I will get a letter to send to the billing company. Through the XXXX XXXX several persons communicated that they were out of classes due to COVID-19 and was glad to be back to class. However, others stated that due to them having COVID-19 they could not make up the missed time and wanted information about cancelling the class. DECEPTION # 3 The title of the challenge is misleading. As stated, this was a 16-week challenge. After the 16 weeks, it was told to us that we had to send a letter to the billing company stating that we were ending the program. However, if you wanted to continue with the program, the monthly amount would continue to be deducted. Since I chose to stop coming to class, mainly because of the surge in COVID-19, I was waiting for the end of the 16 weeks to get the official letter from XXXX and send to the billing company. Through the XXXX XXXX, several participants were very upset after calling the billing company and not able to cancel for various reasons. We paid for a 4-month challenge however, because we did not have a total of 48 sessions completed mainly due to weather cancellations the billing company charged everyone for the fifth and sixth month ( XXXX and XXXX ). Finally, one of the XXXX administrators, called the billing company and shared the outcome with the group. XXXX extended the timeframe to complete the challenge thru XX/XX/XXXX. Once you complete the 48 sessions ( 16 weeks x 3 days a week ), then the monthly amount will be refunded. If you did not complete the 48 sessions, then you are locked into a years contract. XXXX also shared that they were not happy with the billing company, and they will no longer use them. However, I am sure that the billing company is paying XXXX their allotted amount, but XXXX is not willing to work with us as a member of their gym to resolve any payment issues. On XX/XX/XXXX, I had a phone discussion with XXXX, I think he's the owner of the gym. He stated that if you attended at least 25 times, then they would complete the form as though you attended 48 times. That was never publicly communicated, and it was not posted in the XXXX group. I did not attend 25 times therefore, I would not qualify to get a letter to send to the billing company to cancel the contract after 16 weeks. This is the most misleading and deceptive practice of them all. I do not recall anyone discussing a 12- month contract during the informational session. During the phone discussion with XXXX, he asked me did I read the contract? I said, during the informational session, no I did not read the contract. However, the title of the challenge is 16 weeks. It is not called a 12-month challenge, but you can opt out after 16 weeks. It was told to us that after 16 weeks, a letter will be provided to send to the billing company. It was not stated that we had to continue to pay if we did not complete 48 sessions. Due to the surge in COVID cases through-out the United States , including Maryland, I chose not to return to the gym. As a result, I must pay for a 12-month contract. This is ridiculous. From the XXXX XXXX chat, others contacted the billing company and was informed that you can provide a doctors slip to prove you can not attend classes during the 16 weeks. This is also ridiculous and absurd. We did not have to have a doctors note to sign up for the challenge but now must produce a doctors note to get out of a contract if its health related. As reflected in the conversation that the administrator had with the billing company, no one will be allowed to cancel the contract until after XX/XX/XXXX. It also states that XXXX will work with all of us to get out of this contract. From the administrator, We are going to make sure you all have complete attendance forms and meet all attendance requirements. Regardless of illness, etc ... because this is ABSURD. This statement must not apply to everyone specifically me since XXXX has denied providing me a letter to get out of this contract. I signed up for a 16-week challenge that was supposed to have a maximum of 45 participants and the gym was large enough to allow for socially distancing. Also, I would have the flexibility of choosing my time to attend classes. Because none of these circumstances proved to be true, I was not able to benefit from this challenge. As a result, I am now subject to collection letters from a billing company that was contracted by XXXX gym. The monthly amount was {$79.00} but a letter from the billing company dated XX/XX/XXXX is charging me {$89.00} for the month of XX/XX/XXXX. This is unacceptable to me, and I think this should be investigated not only from a legal perspective but due to the surge in COVID, this should not be a problem to allow people to get out of this deceptive 12-month contract when it was only for a 16-week ( 4 months ) challenge. XXXX XXXX is located at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. The phone number is XXXX. XXXX is located at XXXX XXXX XXXXXXXX, XXXX, PA XXXX. The phone number is XXXX.
02/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75230	Web
Companies involved : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have NEVER done business with a company called XXXX XXXX. The account number listed I had with another company. On XX/XX/XXXX I joined a fitness challenge that was advertised for 16 weeks at {$12.00} a week or {$50.00} a month ( documentation attached ) for a club called XXXX XXXX. The health center representative XXXX XXXX phone number XXXX XXXX XXXX, explained that you could pay {$100.00} upfront and have the rest drafted or pay the whole {$200.00}. He then stated that you would have to follow the program guidelines of the 16 week challenge to cancel and if you did not cancel per the guidelines, you would then pay {$50.00} a month for the remainder of the term. I decided to pay {$100.00} upfront and have the other two drafted. He noted it would be handled by a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX. At the end of my term I submitted my cancellation paperwork per the guidelines to XXXX ( documentation included ). Mind you I had to send two sets because the people answering the phone were not " sure '' about the process and dates. Whenever you called them you always got conflicting information and it always seemed to be on purpose to trap you in the contact. For example some of us in the program were told that we had to do 3 classes a week while others were told that you had to go to the facility 3 separate days a week. I contacted XXXX on XX/XX/XXXX to find out about the cancellation status since I had not heard anything. They told me it had been successfully cancelled. I asked for a written letter and they told me they could only send an email which they did. I have attached all of that documentation, including my account summary which shows I paid in full. You also see on the contract it is written that I was in the 16 week challenge. When I XXXX this company they have all kinds complaints and fraudulent reports made on them as seen here. https : XXXX On XX/XX/XXXX I received a letter saying that I owed {$55.00} for something. I attempted to call the XXXX member service line with no luck. I then forwarded the cancellation email I received to the member services email showing I had cancelled in good standing. I received no response. Today XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying I owe {$410.00} to this XXXX XXXX XXXX again a company I have NEVER heard of. The letter stated that I needed to send a letter in writing disputing the debt but there were two different addresses. I attempted to call XXXX or go to the website to identify the appropriate address. No one answered the phone and the website is not functional. I also XXXX this company after not being able to find any real information on them and they also have MANY fraudulent reports as seen here. XXXX : XXXX XXXX are scamming people for sure and as a consumer I should not have to go through this harassment when I have done nothing wrong. Unless this is an error I have followed all of their ridiculous rules which are clearly set up to trap people into a contract and they are STILL bothering me. I have included the letter to them stating that I dispute these claims. I am sending it to you so that there is no question about what has occurred and they will not be able to say that they did not get the information.
02/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 324XX	Web
I joined XXXX XXXX gym in XX/XX/2018. When joining I asked about a specific clause in the membership agreement that allowed for cancellation if you moved 25 miles from the gym. The representative, I believe his name was XXXX ( but not the XXXX that owns the gym ) ensured me that this was accurate. I moved ~30 miles from the gym in XXXX. I followed the cancellation policy and certified mailed my proof of address to the 3rd party billing company, NAC. NAC contacted me a few weeks later and said that my request for cancellation was declined because I had not moved 25 miles from my previous address, just from the gym. I wouldn't have signed up had I not been explicitly told contradictory terms. I was told that they are merely the billing company and to essentially take it up with the gym. So I took it up with the owner of the gym. He signed a termination agreement which I forwarded on to NAC. They refused to accept it by stating that XXXX XXXX was not the contract holder. Over the course of our correspondence, I have received an email stating that they ( NAC ) are not the contract holder nor is the gym itself and thus I am unable to cancel my agreement. They refuse to tell me who I supposedly have a contract with. As you will see on the attached membership agreement, I did not willfully enter into any agreement with any person or company other than XXXX XXXX and NAC.
10/21/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 121XX	Web
I joined a gym membership, signed and paid for the 16 week program in XXXX and paid upfront in full, with the option to cancel after the 16 weeks. Once I completed the 16 week program, the gym owner gave us the instructions from the company who sponsored it on how to cancel. Which I followed exactly as instructed. You had to attend 3 classes per week and log the classes in on the planner app, which I did. Then you had to send a certified letter advising the National Acceptance Company, who apprently is the 3rd party billing company that you are cancelling the contract membership. I sent the certified letter, with a copy of my print of the classes attending to show proof of the required 3xweek attenandce record. They then called me in XXXX to tell me I owed them {$2.00} as a verification fee or entry fee. Which I did not pay. Now I am being billed for the full gym memebership and if I dont pay they are going to put me into collection and ruin my credit. They are bullying me, I have called and was told I can not pay this {$2.00} now, and I have to start the cancel process all over again and pay the past due amount of now {$190.00}. How can they justify this kind of fraud. This is ethically unjust and I feel like they are holding my credit hostage. How is this allowed to continue? How are they allowed to hide behind this 3rd party billing scam.
10/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43068	Web	Older American, Servicemember
In XX/XX/2023, I signed up for a 16-week challenge at XXXX XXXX XXXX XXXX The third party company is National Acceptance Company in XXXX, Pennsylvania. The representative told us that when we completed the challenge, we would have 5 days to send in a certified letter to cancel the contract. If we did not, we would have to pay for a year and not be allowed to cancel the contract. I completed all of the steps along with having the form initialed by myself and sent by certified mail on XX/XX/XXXX. They decided in XXXX that they would not accept the form nor cancel the contract because I did not initial the form. I called them to ask if I could send the form with the initials and I was told the only way was to have a medical issue which I did acquire by doing the exercises. I was told by XXXX that I would have to see a physician and I did. This cost me {$270.00}. They have said that I now owe them an additional {$170.00} for XXXX and XXXX. I sent them all they asked for and do not owe them any additional money. They have written a letter threatening to send to collection agency and charge additional funds. This happen in XXXX, Ohio.
08/29/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32818	Web	Servicemember
I committed to a 16 week weight loss challenge on XX/XX/XXXX. The contracted stated that after you complete the 16week challenge, send a certified letter to National Acceptance Company XXXX XXXX XXXX XXXX, PA XXXX. I faithfully paid the monthly amount of {$50.00} for 16 consecutive weeks. After I completed the program and sent them the letter, they denied my request to cancel and stated I needed to complete the 1 year agreement. This was clearly a mis representation and a bait and switch scheme. I have stopped the payments from my credit card and contacted them to stop harassing me regarding delinquent payments. They keep calling me and threatening to report me to the credit bureau and ruin my credit.
07/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78245	Web

06/27/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NC 28752	Web	Servicemember