ComplaintsforFirst Credit Services, Inc

• Initial Complaint

  09/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m being harassed by this company with multiple phone calls a day from multiple phone numbers. All robo calls.

  

  Business response

  09/11/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. 
  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns:
  
  On* *****/2023 made a call attempt to the telephone number ending in ****.  An unidentified person answered and stated we had the wrong number.  We removed the telephone number ending in **** from our database.
  
  Prior to receipt of this complaint, we have had no knowledge that the number did not belong to the intended recipient and had no prior communication with * ******** or requests to cease and desist calls to this number.
  
  We apologize for any convenience this may have caused them, and we are hopeful that this resolves their concerns.  If you or * ******** have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** *****

• Initial Complaint

  08/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  *****2023 Master No. ****** Master Loc. ******** Business ID* ****** I received an email from FCS for a *** membership at ******* ******** There is a past due amount of 581.88. This membership was closed years ago. Oddly enough, there is absolutely no history of an email or notification from ******* ******* prior to this ever mentioning a past due balance-- especially one that is nearly 600 dollars! This feels a little fishy. Not sure FCS is really peddling legitimate debt. I would like to see a signed contract because this smells like a scam!

  

  Business response

  09/01/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  Below is a summary of the account activity.  Prior to the receipt of this complaint, we have had no communication from the consumer. 
  On ******2019 ****** ***** entered into a *** membership with our clien** ******* ******* * ********* **** *******
  The contract went into default for non-payment and ******* ******* * ********* subsequently assigned the account to First Credit Services (“FCS”) for collections on *****/2023.  Collection efforts began with the sending of the Model of Validation Notice on *****/2023 informing him that the account was placed with our office for collections.
  Upon receipt of the complaint, the account was marked to cease collection activity and the account was updated to a disputed status.  In response to the complaint, we enclose the following documents to serve as account validation: (1) copy of the membership agreement; (2) payment history; and (3) billing history.
  With regard to the claims of canceling the membership, the *** has no such record and, prior to turning the account over to collections made numerous attempts to reach Mr. ***** to resolve the account delinquency.  Mr. ***** did not respond to the ***’s efforts.
  As of the date of this response, as per **********, this account is not currently reporting to Mr. *****' credit file.
  We are hopeful that this resolves Mr. *****’ concerns.  If you or he have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** *****

• Initial Complaint

  08/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Non-Stop Phone calls. They call asking for someone named ******. I have explained multiple times that I have owned this phone number for 20 years, and I am not, and do not know anyone named ******. Someone clearly gave out my phone number. No matter how many times I explain, or block calls, they keep calling me. Always from a different number.

  

  Business response

  08/11/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve Ms. ************’s concern. 
  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns:
  
  We had no knowledge that the number ending in #**** did not belong to the intended recipient.  We removed the telephone number ending in #**** from our database.
  
  We apologize for any convenience this may have caused her, and we are hopeful that this resolves Ms. ************’s concerns.  If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** *****

• Initial Complaint

  06/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company originally called me in regards to an old credit card debt which has since been resolved. When i spoke to them, I told them I’d handle it directly with the credit card company vs them. Since then (months to almost a year ago) they have called my phone 5+ times per day. I’ve blocked over 20+ numbers from this company and they continue to call me from more numbers. The last 3 times they called and i told them to stop calling and that it has been resolved. No one talks and they instantly hang up on me. They need to stop harassing my phone, this can’t be legal.

  

  Business response

  07/05/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  Below is a summary of the account activity. Prior to the receipt of this complaint, we had no written communication from the consumer.
  
  We do not have any Credit card account for ******* ****** in First Credit Services ("FCS"). She entered a Course with our Client, the National Academy of Sports Medicine.
  
  The contract went into default for non-payment and ******** ******* ** ****** ******** subsequently assigned the account to First Credit Services (“FCS”) for collections ********.  Collection efforts began with the sending of the Collection Notice on ******** informing her that the account was placed with our office for collections.
  
  Upon receipt of the complaint, we placed the account in a cease-and-desist status to ensure no more calls will be made to the telephone number ending in #****.  Prior to receipt of this complaint, we had had no prior requests to cease and desist calls to this number.
  
  
  Regarding the allegations pertaining to telephone communications. It is our contention that FCS conducted itself in full compliance with state and federal laws governing communications with consumers while servicing this account. Our records indicate no more than two (2) calls were placed in a single day.
  
  Also, First Credit Services ("FCS”) tried contacting Ms. ******; however, it never connected with her or a Third Party.
  
  In response to the complaint, we enclose the following documents to serve as account validation: (1) copy of the membership agreement; (2) *** Payment Loan View.
  
  The account will remain in a cease-and-desist status.  However, Ms. ****** is welcome to contact our office if he would like to resolve the matter.
  
  If you or the consumer have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST on ************ **** *****

  Customer response

  07/06/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  03/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a call from First Credit Services. They called me claiming that I owed them $749.00 from a charged off credit card called Indigo. I had received calls from another company a year ago where I worked to pay off the $300 card. Their claim was that I owed their client more. When I asked if they had mailed me information on this issue, the representative stated that he emailed me on ***** *** **** but there was no such email in any of my inboxes or spam folders. I requested that the information be sent to my address and that I would call them after I received information. The man began to push for a payment right now and said he would send me an email after we worked out a payment. It was the supervisor who became pushy and when I asked him to please stop and allow me the time to review the information once I received written documentation. He would not stop and began shaming me. I explained I didn't need a supervisor, I just needed to know why they claimed the number they did and explain it to me and raising the volume in his voice. I stated that I will be ending this call due to his behavior and filing a complaint. The supervisor did not acknowledge what I said rather, he still spoke over me while raising his voice. I hung up. The number they called from is ********** ****** ** **** ***** ****** ********* ***** ****** **

  

  Business response

  04/14/2023

  Please disregard prior response. Below is the updated response.

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the concerns raised by ***** *********i in her complaint.  Below is a summary of the account activity.
  On *********** *** ***** ************ *** assigned Mrs. **********’s credit card account ending in #**** to First Credit Services (“FCS”) for collection on behalf of ******* ** **** ********* ****, the original creditor. Collection efforts began with the sending of the Model of Validation on ********** informing her that the account was placed with our office for collections and continued through **********, when the account was placed in a cease & desist status following receipt of the subject complaint. 
  Upon receipt of the complaint, we contacted our client to address the concerns raised and assist us in resolving Ms. **********’s complaint.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to *** ***** ************ *** as our office is no longer handling the reference account.
  With regards to Ms. **********’s claims the Agent was pushy.  Our Agents are trained to provide professional and courtesy service, so Ms. **********’s statement that the Agent was pushy is disappointing and will be addressed.  Rest assured that Ms. **********’s complaint will be addressed and is not taken lightly. 
  We are hopeful that this resolves Ms. **********’s concerns.  If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** *****

   

• Initial Complaint

  03/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have received multiple robocalls from various numbers all showing First Credit Services multiple times a day. When I finally spoke to someone I requested they send a verification and stop calling. It has not stop and no verification received. No messages on robocalls left. Will be reporting to FTC as well.

  

  Business response

  03/30/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the concerns raised by ******* ******* in her complaint. Upon receipt of the complaint, we placed the account into a cease-and-desist status and began the investigation into the allegations which included a review of all communications and call reports associated with this account.  The result of that investigation is as follows: 
  
  On ********** ****** ************* *********** *** assigned Ms. ******* *******’s *** **** ** ******** credit card ending in *****, *** **** ** ******** being the original creditor to First Credit Services (“FCS”) for collection.  Collection efforts began with the sending of the Model of Validation on ********** informing her that the account was placed with our office for collections.  
  
  Contrary to Mr. *******’s claim that she has not received any verification.  Our records show we had no prior written nor verbal communication with the consumer.
  
  Regarding with the frequency of phone calls received. We did identify an interment phone issue, and it has now been fixed. We apologize if this has caused Ms. ******* any inconvenience.
  
  We have closed the account as cease and desist.  Any questions concerning the account should be directed to the creditor.
  
  We are hopeful that this resolves Ms. *******’s concerns.  If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** *****

  Customer response

  03/31/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  02/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  received a collection notice today ********** stating I owe $524.49 to ******** ******* ** ****** ******** with account # *************** I've never been treated by ******** ******* ** ****** ********, I'm asking BBB is First Credit Services,inc. a real business in *** ******,or is this a scam. This is not my debt. Can you provide me with the original creditor if there is one. Thank You.

  

  Business response

  02/17/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  Below is a summary of the account activity.  Prior to the receipt of this complaint, we have had no written communication from the consumer. 
  On ********** ****** Hann entered into a contract with our client, ******** ******* of ****** Medicine.
  The contract went into default for non-payment and ******** ******* ** ****** ******** subsequently assigned the account to First Credit Services (“FCS”) for collections **********.  Collection efforts began with the sending of the required Model of Validation on ********** informing him that the account was placed with our office for collections.
  Upon receipt of the dispute, we contacted our client, ******** ******* of ***** ******** to provide verification, they advised they did not have a copy of the signed agreement. Accordingly, we have ceased collections of this account and returned it to our client.  Any questions he may have concerning the account should be directed to the creditor.
  We are hopeful that this resolves Mr. ****’s concerns.  If you or he have any questions or concerns our Compliance office is available Monday through Friday *** ** *** *** ** ************ **** *****

  Customer response

  02/18/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ****

• Initial Complaint

  01/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Keep getting Phone calls and Mail from this business, about a debt with ***** *** . I had went and canceled the membership and paid the fees . Out of no where received a debt collection letter a year later . I go to the *** location to find out I owe nothing according to the *** . So believe this is a scam debt collector

  

  Business response

  01/18/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  Below is a summary of the account activity. 
  
  On ********** Mr* ***** contacted our office wherein he disputed the balance.  The agent provided him an email address and advised to send his dispute in writing. The account was marked to cease collection activity and the account was updated to a disputed status.  Prior to this complaint we have had no written communications from the consumer.
  
  Upon receipt of the complaint, we contacted our client, ****** *** to address the concerns raised and assist us in resolving Mr* *****’s complaint.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to ****** *** as our office is no longer handling the reference account.
  
  As of the date of this response, as per **********, this account is not currently reporting to Mr* *****’s credit file.
  
  If you or the consumer have any questions or concerns our Compliance officer is available ****** ******* ****** *** ** *** *** ** ************ **** *****

• Initial Complaint

  09/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was never contacted about why this balance was as it was. I remember it originally being a late annual fee for a gym DURING THE HEIGHT OF COVID when i wasnt even allowed to GO to the gym. Then suddently it's become an exorbitant amount ($50 to $479 thats negatively affecting ny credit report) and I would like it removed from my credit report and no further contact from this business.

  

  Business response

  09/28/2022

  Business Response /* (1000, 5, 2022/09/08) */ We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer's concern. Below is a summary of the account activity. Prior to the receipt of this complaint, we have had no communication from the consumer. On ********** ******* ****** entered a gym membership with our client, ****** ****** ******** (the "Gym"). The contract went into default for non-payment and ****** ****** ******** subsequently assigned the account to ************ ******** ********* for collections *********** Collection efforts began with the sending of the required Notice of Collection on ********** and continued through *********** when the account was placed in a cease-and-desist status following receipt of the subject complaint. Upon receipt of the complaint, we reached out to our client to address the concerns raised and assist us in resolving Ms. ******' complaint. The Gym advised all memberships were frozen as per the government shutdown due to COVID and billing would restart once the club reopened. Prior to the account being assigned to *** the Gym stated an email was sent Ms. ****** on ********** regarding the account status along with the breakdown of the balance, a copy of which is enclosed. In response to the complaint, we mailed the following documents to the consumer to serve as account validation: (1) copy of the membership agreement; (2) payment history; and (3) billing history. Regarding credit reporting, we did take the additional steps to review the credit reporting activity and based on our investigation, the account and the subsequent credit reporting activity is accurate. We are hopeful that this resolves Ms. ******' concerns. If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at XXX-XXX-XXXX Ext. *****

• Initial Complaint

  08/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My problem is with First Credit Services (FCS). The dispute reference number is ******* I had a membership with ****** Gym. There was a disputed balance sent to First Credit Services for collection. Upon finding out about this collection account (via my credit report), I called FCS to try to resolve the issue. I filed a dispute and they claimed that the "account moved back over to the client (****** gym)". I called the gym directly and resolved the matter fully. All FCS did was reduce the outstanding balance. I called the gym back and asked that they email First Credit Services and tell them the matter was fully resolve, that there was no outstanding balance, and that this should be removed from my credit report. ****** gym sent this email (I was cc'd), but the First Credit Services servicing center was zero help when I called and referenced this email. This matter is damaging my credit, and I need FCS to fix this with the bureaus immediately.

  

  Business response

  09/19/2022

  Business Response /* (1000, 5, 2022/09/02) */ We are in receipt of the reference complaint and appreciate the opportunity to address and resolve the concerns raised by ******* ******* in his complaint. Below is a summary of the account activity. The account was placed with our office for collection on **********. On ********** First Credit Services ("FCS") sent the Notice of Collection to Mr. ******* advising that the account was placed with our office. On ********** and on ********** Mr. ******* contacted our office and disputed the balance. On both occasions Mr. ******* was advised the dispute was notated on the account. He was provided an email address to submit the written dispute. Upon receipt of the verbal dispute, the account was marked to cease collection activity and the account was updated to a disputed status. Upon further research an email was received by Mr. ******* on ********** but do to lacking sufficient information to identify the account such as an account number, consumer's address and telephone number to allow us to conduct an investigation. On the same day our office replied to Mr. ******* requesting to provide some identification information about himself and of the account at issue in order to be able to address his concerns. On ********** our office received a written communication from Mr. *******. Upon receipt of the dispute, the account was updated to a disputed status. On ********** our office received a notification of a direct payment being made at the club in the amount on $44.95. Upon receipt of the complaint, we reached out to our client, ****** ******* ******* (the "Gym') to address the concerns raised. The General Manager responded advising Mr. ******* signed up for a membership on ********** and made a payment on *********** The account went into default for non-payment. The General Manager stated a compromise was made with Mr. ******* even though the Gym has no record of cancellation on file and advised Mr. ******* to pay one month to cancel his membership and the balance would be removed. The payment was made at the Gym in the amount $44.95 on ********** Our office did not receive the request to close out the account from our office as the request was sent to an incorrect email address. Upon receiving the confirmation from the Gym, we updated and closed the account. In addition, we submitted an AUD (control # XXXXXXXXX). As of the date of this response, as per *********** this account is not currently reporting to Mr. *******'s credit file. Any questions he may have concerning the account should be directed to the creditor. We are hopeful that this resolves Mr. ******* concerns. If you or he have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at XXX-XXX-XXXX Ext. *****

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