Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/24/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I’ve supposedly spoken with this company a few times now, but I cannot tell if the people calling are actually the company since they will not do as I asked. The first call from ************ was *******. I heard 3 different amounts of debt owed so I requested information be sent through postal mail to verify the legitimacy of the business and the amount. They kept telling me I could get a link to my email and to login to an account. I told them I would not click links because I couldn’t be sure that it was not a phishing scam when I cannot verify their business yet. They then told me they already mailed to my old address. This cannot be true because I am in contact with the residents at that address and they have given me all my mail since I moved. Still, after having to insist multiple times they send it to my correct address and asking if they refused to send me mail, they finally agreed to send information to my new address. The latest phone call was on ******* from ** ***** ******** where I spoke to a Clint **** and the supervisor Mr. Rajput. They claim to have sent the letter requested to the corrected address on *******. However, I still have not received a letter at either address as of *******. I confirmed again with the residents at my old address and they confirmed all mail for me has been given to me. After the 20 minute call where they kept trying to send me a link to click I requested it to be sent by mail again and said I did not have time to continue the call. The last call I received from ************ was a missed call that left no voicemail the day after our 20 minute conversation. I just need verification that the people calling me is the actual business and not someone using their likeness.

  

  Business Response

  Date: 05/01/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Upon receipt of the complaint, the account was marked to cease collection activity, and the account was updated to a disputed status.  Below is a sum**** of the account activity.  
  
  The account was placed with our office for collection from ****** – ****** ****** (the “Gym”) on ********** following **** ******’s default of the membership agreement.  On *********4, First Credit Services (“FCS”) sent the Initial Notice of Validation to her altering her that the account was placed with our office for collections a copy of which is provided herewith. This was sent by email to her email address we have on file which is the same email address on the complaint.
  
  On ********** our office contacted Ms. ****** to discuss the account. She requested a letter to be sent by mail to her current mailing address.  The Agent offered to have the letter sent to her email which she declined.  The letter was sent to Ms. ****** by mail on ********** to the updated mailing address she provided, and we have no record of a mail return from the post office, a copy of which is provided herewith. T
  

  We enclosed the following documents to serve as account validation: 1) membership agreement, 2) payment history, and 3) billing history. 
  
  If you or Ms. ****** have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** ****.
  

  
  

  

  Business Response

  Date: 05/01/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Upon receipt of the complaint, the account was marked to cease collection activity, and the account was updated to a disputed status.  Below is a sum**** of the account activity.  
  
  The account was placed with our office for collection from ****** – ****** ****** (the “Gym”) on ********** following **** ******’s default of the membership agreement.  On *********4, First Credit Services (“FCS”) sent the Initial Notice of Validation to her altering her that the account was placed with our office for collections a copy of which is provided herewith. This was sent by email to her email address we have on file which is the same email address on the complaint.
  
  On ********** our office contacted Ms. ****** to discuss the account. She requested a letter to be sent by mail to her current mailing address.  The Agent offered to have the letter sent to her email which she declined.  The letter was sent to Ms. ****** by mail on ********** to the updated mailing address she provided, and we have no record of a mail return from the post office, a copy of which is provided herewith. T
  

  We enclosed the following documents to serve as account validation: 1) membership agreement, 2) payment history, and 3) billing history. 
  
  If you or Ms. ****** have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** ****.
  

  
  

  Customer Answer

  Date: 05/05/2025

  
  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.
  

  I finally received the mail I requested as of ****** and verified that I never received the email mentioned in the response using the date provided. However, I received a call from First Credit Services asking for a different person that I do not know. I will pursue further action if my information is not taken off of other people’s accounts. 
  
  Sincerely,
  
  **** ******

  Customer Answer

  Date: 05/05/2025

  
  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.
  

  I finally received the mail I requested as of ****** and verified that I never received the email mentioned in the response using the date provided. However, I received a call from First Credit Services asking for a different person that I do not know. I will pursue further action if my information is not taken off of other people’s accounts. 
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have recently started to get contacted by some company called First Credit services and they claim that I have a debt of over 600$ to a ****** ******* in my area that I used to be a member of. I went on an extended trip to ****** last summer and before leaving cancelled my membership, I was a paying member there was never a problem with my account. The first time I tried to cancel they stopped me and said to come back when theres a manager, I did so and they had me sign my signature and everything. I searched up the reviews on this First Credit services company and saw that many people who had been members of ****** have had similar issues with the company. How do I get them to stop harassing me about this invalid debt that they would have no proof on? Is this going to affect my credit score as well? How can they do so if the debt is invalid?

  

  Business Response

  Date: 03/27/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Upon receipt of the complaint, the account was marked to cease collection activity, and the account was updated to a disputed status.  Below is a summary of the account activity.  
  The account was placed with our office for collection from ****** – ********, ** (the “Gym”) on 02/27/2025 following **** *******’s default of the membership agreement.  On 03/03/2025, First Credit Services (“***”) sent the Initial Notice of Validation to him altering him that the account was placed with our office for collections and continued through 03/24/2025, when the account was placed in a cease & desist status following receipt of the subject complaint. We also reached out to the Gym to address the concerns raised and to provide verification.  The Gym confirmed there was a cancel document from 06/20/2024 which states *** ******* was required to pay his monthly dues on 6/25/2025 as their cancellation policy states 10-day notice to the bill date.  *** ******* charged back the dues which therefore causing the account to never cancel.  We enclose the following documents to serve as account validation 1) membership agreement, 2) payment history, 3) billing history, 4) check-in log and 5) membership cancellation form associated with the account which details the cancellation terms. This account will remain in a cease-and-desist status.  However, *** ******* is welcome to contact our office if he would like to resolve the matter. With regard to credit reporting, as of the date of this response, as per **********, this account is not being reported by ***. 

  If you or *** ******* have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at 800-606-7066 Ext. 2138.
  

  
  

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I keep receiving calls and when answered, it beeps and hangs up. When I call back, it says First Credit Services. I looked the name up. I owe no debt. They are calling the wrong number. I ask that this company please stop dialing my number. Thank you.

  

  Business Response

  Date: 03/28/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns.
  Upon receipt of the complaint, we removed the telephone number ending in #**** 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 Ms. **** ******* or requests to cease and desist calls to this number. 
  We apologize for any inconvenience 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 ************ **** ****.
  
  
  

  Customer Answer

  Date: 03/28/2025

  
  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

  Date:02/28/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I keep getting spam calls and I have never conducted business with them.

  

  Business Response

  Date: 03/07/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns.
  Upon receipt of the complaint, we removed the telephone number ending in #**** 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 inconvenience this may have caused him, and we are hopeful that this resolves **. *******’s concerns.  If you or he have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at 800-606-7066 Ext. 2138.
  
  

  Customer Answer

  Date: 03/07/2025

  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

  Date:02/26/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been getting spam calls for the last month, nearly everyday, multiple times a day from different numbers but all with the same caller id, First Credit Inc. I don’t answer spam calls and the voicemails are just someone saying, “Hello? Hello? I will have to disconnect the call” no pertinent information. I looked up the caller ID and it’s a debt collector. I don’t have any debts to any business or institution, so I would like to have my phone number removed.

  

  Business Response

  Date: 03/04/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns.
  Upon receipt of the complaint, we removed the telephone number ending in #**** 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 Ms. ********* or requests to cease and desist calls to this number. 
  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 ************ **** ****.
  
  

  Customer Answer

  Date: 03/05/2025

  
  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

  Date:01/22/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving calls from this company, starting from January 21, 2025. I have received 3 calls so far, and I picked up once, to see if they were going to tell me anything, but there was no one else on the other end. I checked my credit report, and I did not find anything on there. If this company has debt on me, tell them to send me an email detailing everything I owe them. Otherwise, please do not contact me further, thank you.

  

  Business Response

  Date: 01/28/2025

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns:
  Upon receipt of the complaint, we removed the telephone number ending in #**** 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 her, and we are hopeful that this resolves **. ***’s concerns.  If you or she have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at 800-606-7066 Ext. 2138.
  

  Customer Answer

  Date: 02/05/2025

  
  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

  Date:12/27/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company keeps calling me daily when I answer the phone. It just says please hold or no one is available to take your call. I looked it up and it’s a debt collection agency, but I do not have any debts with any person or business. I check my credit report frequently and do not have any outstanding bills. I’m led to believe that this is a scam and I want it to stop!

  

  Business Response

  Date: 12/31/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  
  
  We reviewed our account file in an attempt to conduct an investigation into the allegations. Below is a summary of the account activity that we believe may address the concerns:
  
  Upon receipt of the complaint, we removed the telephone number ending in # **** 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 Ms. ****** or requests to cease and desist calls to this number. 
  
  We apologize for any convenience this may have caused her, and 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 ************ **** ****.
  
  

  Customer Answer

  Date: 12/31/2024

   
  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

  Date:12/20/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving constant calls from First Credit Services and I do not owe them any money, nor do I owe their client any money. I finally had an opportunity to answer their call (during my work day) and they are alleging funds are owed from years ago for their client. I contacted the client directly today and was told no funds are owed. They are alleging a debt from ****, so I suspect they have been doing this to other people as well. I do not want this company contacting me again, and I want the Attorney General and any other office to investigate all of these complaints. There may be representatives doing something inappropriate or fraudulent.

  

  Business Response

  Date: 12/24/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern.  Below is a summary of the account activity.
  
  The account was placed with our office for collection on **********, and First Credit Services (“FCS”) sent the Initial Notice of Validation to Ms. ****** on **********. 
  
  We contacted our client, ********** *** – **** ********** upon notice of Ms. ******’s complaint.  Our client advised the account was placed in error as they show the account cancelled with a zero balance and directed that the account be closed.  Accordingly, we have closed the file and have submitted it to the credit reporting agency to delete the tradeline.  Be advised that ********** can take 30 days or longer to update the report, and this is beyond our control.  
  
  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 Answer

  Date: 01/02/2025

  
  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

  Date:12/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Continuously getting spam calls from various numbers in Iowa. No voicemails have been left. I answered a call today, **********, from ********** which called itself First Credit Services Inc. It stated I had an outstanding balance with ******* ******* from **** and they had been trying to contact me for 14 months. The person on the line berated me for having a balance owed and not picking up their phone calls. However, I have not received communication from this business via voicemail, email, or address despite them having all three on file. There is no way to verify that this is a legitimate collection agency phone call. If they have been calling me for 14 months, it is impossible for it to have come from the same phone number. I told the person on the line that I wanted to verify with my gym directly that there was an outstanding balance, but they were insistent I would just be directed back to the number I was called from and it wasn't worth it. Despite this insistence, I called the ******* ******* gym I last had an account with and was directed to a completely different agency to verify an outstanding balance - *** *******. They said that my account had not been directed to a collection agency for payment, but there was an outstanding balance. I would like to have my information removed from the collection agency's records and to not be contacted in the future.

  

  Business Response

  Date: 12/24/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Below is a summary of the account activity.  Upon receipt of the complaint, the account was marked to cease collection activity, and the account was updated to a disputed status.  
  
  The account was placed with our office for collection from ******* ******* - ******* ***** (the “Gym”) on ********** following ***** ****’s default of the membership agreement.  On **********, First Credit Services (“FCS”) sent the Initial Notice of Validation to her altering her that the account was placed with our office for collections, a copy of which is provided herewith.  Collections efforts continued through **********, when the account was placed in a cease-and-desist status following receipt of the subject complaint.
  
  On ********** our office contacted Ms. **** regarding the account and discuss the debt in detail.  During the call Ms. **** informed the Agent she would speak to the gym directly.  The Agent advised she is welcome to call the Gym, and that she may be directed back to our office since the account was placed in our office for collections.   
  
  With regards to Ms. ****’s allegations that our Company has made repeated calls, and the agent used abusive language.  A review of call logs and telephone activity contradicts those allegations.  It is our contention that FCS conducted itself in full compliance with state and federal laws governing communications with consumers while servicing this account.   
  
  In response to the complaint, we enclose the following documents to serve as account validation 1) membership agreement, 2) payment history, and 3) billing history.  The account will remain in a cease-and-desist status.  However, Ms. **** is welcome to contact our office if she would like to resolve the matter.   
  
  If you or Ms. **** have any questions or concerns our Compliance office is available Monday through Friday 9am to 6pm EST at ************ **** ****.
  
  

• Initial Complaint

  Date:10/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  10/8/24 received letter from first credit services Inc. master number, ******* Stating I/O ******** ******* ** ****** ********, a debt of $674.25 as of 9/23/2024. I have never contacted this company or signed up for any services that they may have. This is not my debt. This is not something I’ve ever signed up for and I feel like this is a scam. First credit services gave me a business ID of ******. It also has a master loc: ********* I called the ******** ******* ** ****** ******** at ###-###-#### and went on hold the call was disconnected. Again this is not my debt. This is a random letter I received in the mail.

  

  Business Response

  Date: 10/14/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumer’s concern. Below is a summary of the account activity. 
  
  The account was placed with our office for collection from the ******** ******* ** ****** ******** on 09/23/2024 following ********* ******** default of the agreement.  On 10/01/2024, First Credit Services (“FCS”) sent the Initial Notice of Validation to her altering her that the account was placed with our office for collections.  
  
  On 10/08/2024 Ms. ****** contacted our office and during the call she disputed the debt.  The account was marked to cease collection activity and updated to a disputed status. 
  
  Upon receipt of the complaint, we contacted our client to assist us in resolving Ms. ******’s complaint and 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 she may have concerning the account should be directed to the creditor.
  
  With regard to the credit reporting, as of the date of this response, as per **********, this account is not being reported by FCS.   
  
  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 ###-###-#### Ext* *****