Complaints

This profile includes complaints for Internal Credit Systems, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Internal Credit Systems, Inc.

  5504 Durham Chapel Hill Blvd Ste 200 Durham, NC 27707-3343

• 

  Internal Credit Systems, Inc.

  PO Box 52088 Durham, NC 27717-2088

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:04/21/2025

  Type:Service or Repair 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.

  4/19/2025 Subject: Harassment and Fraudulent Debt Collection by Internal Credit Systems, Inc.I am filing a complaint against Internal Credit Systems, Inc. for aggressive and unethical debt collection practices.On March 25, 2025, my elderly mother received a disturbing call from a man claiming to be a lawyer attempting to reach me. When she offered to take a message, he became hostile, shouting at her and calling her a f***ing idiot, leaving her shaken and terrified.When I called back, I was met with the same threatening tone. Before even identifying the reason for the call, the man told me I would be sued and possibly face criminal charges. Only after pressing for information was I told I allegedly owed Anytime Fitness money. I have never had any account or membership with Anytime Fitness and have no knowledge of any debt.A few days later, I received a formal letter from Internal Credit Systems demanding $335.30. This was the first and only written notice. The threats, harassment, and impersonation of a lawyer violate the Fair Debt Collection Practices Act (FDCPA) and basic human decency.I am requesting that:1. This false debt be removed immediately.2. Internal Credit Systems be investigated for abusive practices.3. They be held accountable for harassing an elderly woman and issuing false threats of legal action.This behavior is beyond unacceptable and potentially criminal. I will also be filing with the ************************************ (****) and consulting legal counsel.Sincerely,**** ****** I will attach the letter if possible

  Business Response

  Date: 04/21/2025

  Wow, this is amazing how she can just make up this stuff to get out of this debt. It won't work. Nothing she said is true. We don't curse at anybody, so I know that's a lie. Never told her she would face criminal charges, that's another lie. Not only does she say she doesn't have an account, there is contract with her name on it she signed 11/12/2024 and her credit card declined on day one. I don't know what she is talking about. You can tell by her email, who was hostile. She can do whatever she wants to do. She will lose. End of story. 

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23225472
  
  Thank you for the opportunity to respond. The reply from Internal Credit Systems, Inc. is not only unsatisfactory, it is blatantly false, unprofessional, and retaliatory in tone.
  
  
  To be clear:
  
  
  I have never set foot in an Anytime Fitness facility.
  
  
  I have never discussed or initiated a membership with Anytime Fitness.
  
  
  I have never signed any contract or provided payment information to them or on their behalf.
  
  
  
  
  If there is a contract as claimed, I request an immediate copy for review. I am confident that no such legitimate document exists bearing my true signature or authorization.
  
  
  The companys representative also fails to address the core of my complaint, which includes:
  
  
  Harassment and verbal abuse of my elderly mother
  
  
  Impersonation of a lawyer
  
  
  Threats of legal and criminal action, which are clear violations of the Fair Debt Collection Practices Act (FDCPA)
  
  
  
  
  Their response is combative and lacks any evidence or accountability. This isnt just a matter of a false debtits about abusive and potentially unlawful behavior.
  
  
  I am requesting:
  
  
  1. Immediate cessation of all contact
  
  
  
  
  2. A formal investigation into their practices
  
  
  
  
  3. Correction and removal of this false debt from any credit reporting
  
  
  
  
  4. That the business be held accountable for its conduct
  
  
  
  
  
  
  I will also be forwarding this case to the ************************************ (****), the ************************ (***), and consulting with legal counsel.
  
  
  I do not accept their response and expect further action and accountability from the BBB.
  
  
  Sincerely,
  **** ******
  
   
  

  Business Response

  Date: 04/24/2025

  You don't have to step foot in the club. Failure to use the membership does not relieve your liability of payment. There is payment information you provided. A Mastercard ending in 9857

  Harassment is not from only one phone call. Which is all you got back on March 28th. I would not get into a conversation with your mother about your contract. Your mother was the one that was abusive. 

  I never told you I was a lawyer. I told you I was calling on behalf of our attorney. 

  I never threaten you with any criminal actions. I told you there was a possibility that the gym could take you to court. 

  This is the last time i will respond to you. You're not making any sense. Pay your debt and quit wasting everybody's time. 

   

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23225472
  
  RE: Complaint ID ********
  Response to Internal Credit Systems, Inc.
  
  
  To Whom It May Concern,
  
  
  I am responding to the latest message from Internal Credit Systems, Inc., and I remain firmly in opposition to their claim. Their response is not only unprofessional and combative, it also continues to misrepresent the facts in this matter.
  
  
  Let me be absolutely clear once again:
  
  
  I have never entered into any agreement, written or verbal, with Anytime Fitness.
  
  
  I have never visited, toured, or signed up for any membership at any Anytime Fitness location.
  
  
  I have never provided my credit card or personal information to Anytime Fitness, directly or indirectly.
  
  
  
  
  If there is any alleged contract, I demand a full copy with my verified signature and IP address or in-person authentication tied to it. If payment information was used, I expect documentation proving it was provided directly by me and not fraudulently obtained or misattributed.
  
  
  Furthermore, the business's representative continues to avoid addressing the central issues of my original complaint:
  
  
  1. Verbal harassment of my elderly mother by phone
  
  
  
  
  2. False and threatening language used during communication with me
  
  
  
  
  3. Impersonation of legal representation
  
  
  
  
  4. Violation of FDCPA guidelines, including aggressive and misleading collection tactics
  
  
  
  
  
  
  Their messages are laced with personal attacks, retaliatory language, and baseless accusations. This is not how a legitimate business behaves, and their refusal to take responsibility is deeply telling.
  
  
  I am again requesting that:
  
  
  All communications with me and my family immediately cease
  
  
  This fraudulent debt be removed and no longer pursued
  
  
  My name and personal information be removed from their records
  
  
  A full investigation be launched into their practices and violations
  
  
  This claim not be allowed to affect my credit in any way
  
  
  
  
  This companys actions are not just unprofessionalthey are abusive. I will continue to pursue all legal and regulatory remedies available, including through the ***** FTC, and legal counsel.
  
  
  Sincerely,

  **** ******

• Initial Complaint

  Date:04/08/2025

  Type:Service or Repair 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 received a voicemail from a man saying he was from Internal Credit Systems. The voicemail was extremely aggressive. I reached out to the company who he claimed the collections was from, and then called back Internal Credit to discuss what is going on. He was EXTREMELY aggressive, mean, yelling at me and would not let me speak. I will not tolerate that verbal abuse when I was extremely kind when I called back. He threatened to take me to court and sue me.

  Business Response

  Date: 04/08/2025

  unfortunately, she is not telling the truth. If she spend as much time trying to write a false claim than pay her debt. She wouldn't have this issue. I'm not sure why she wants to complain, it's not going any where. I would suggest she make this payment. Like I told her, the attorney will move forward. She had plenty of time to resolve this. This has gone on since December. She wants to blame everybody else. 

  Customer Answer

  Date: 04/08/2025

   
  Complaint: 23176064
  
  I am rejecting this response because: you didnt even give me a second to have a conversation without immediately berating me. i called with a card in hand to provide payment. instead, you immediately took the aggressive route and made it extremely unpleasant and i do NOT tolerate verbal abuse, and to go further and call back and leave a message calling me "snobby". i will give payment to a different employee after confirmation of the debt. payment after confirmation of debt will be either online or on the phone with a different person outside of yourself but i will not be speaking to you again. 
  
  Sincerely,
  
  ****** *******

  Business Response

  Date: 04/08/2025

  Whatever you want to do to get this debt done. You can call back and speak to ****. He can help you out. 

• Initial Complaint

  Date:02/05/2025

  Type:Service or Repair 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.

  A guy called me and was threatening me and told me he was going to take me to court.

  Business Response

  Date: 02/05/2025

  This person wouldn't tell me who he was. He was acting like a fool on the phone and he's complaining. He's funny. 

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22902478
  
  I am rejecting this response because: The response from the business is a slander to my character. If this person contacts me again I will be taking legal action for harassment. I have contacted my lawyer who advised me to make a complaint so I have this as proof I have asked this "company" to not contact me again. If they contact me again I will continue with legal action. I am a 100% disabled veteran and this harassment has triggered some of my disabilities. I am very glad that I have these responses from the business on here that is recorded. Thank you. 
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 02/05/2025

  He's talking non-sense again. All we are doing is letting him know he has a balance on his contract which he hasn't paid. If he did nobody would have to call him. He didn't said anything about making his payment or making it right. He can get his lawyer. He's going to need one if he doesn't make his payment. Let see what his lawyer can do when he reads the contract. Calling someone once is not considered harassment. Look up the definition. That's not going to work. 

• Initial Complaint

  Date:12/26/2024

  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.

  This complaint is filed with another complaint I filed with the BBB against Anytime Fitness in ********, ** (BBB complaint ID: *********. This time I am filing against their collections department, Internal Credit Systems, *** (ICS). I received a collections letter from *** on 12/2/24 that was dated 11/26/24 from Anytime Fitness (AF) in ********, ** for the the sum of $548.81. I tried contacting AF as to why I owe them $548.81, but got a hotline saying I owe $171.93, this happened on 12/2/24. Never heard from AF. I was in contact with an *** representative on on 12/6/24, with them asking to collect, but I told them over the phone I would like an invoice detailing all the charges adding up to $548.81 and everything I had paid to the gym since I joined in May 2024. I suspended payments due to the initial overcharge in July, 2024 until I received a written invoice from AF in ********, ** as to affect my credit or receive overdrafts from my bank due to unexplained charges from the gym. I relayed this to the the *** representative and he told me to submit my request in writing. Well after unsuccessfully trying to get a hold of the gym again about these charges, on 12/12/24, I sent out a letter asking ICS for a detailed invoice of all the charges adding up to $548.81. On 12/20/24, I received an email from *** at *** saying they had received my letter and to call him. I heard *** could be very aggressive on the phone and to avoid harassment would prefer email and would like my detailed invoice. By email, *** became agitated, saying I was charged bi-weekly or twice a month, in $20.99 increments. I told him I was charged around $40 and $20 in one month, July 2024. He told me they decided to charge me 3 times that month due to it being bi-weekly payments. I told him I was charged twice in July once for $40 and another for $20. He said I would receive a detailed invoice on Monday 12/23. I received a letter from ******** law saying I owe $548.81. Is this a scam?

  Business Response

  Date: 12/26/2024

  We just spoke to him and his father and clarified everything for him. It's been resolved. He is setting up a payment plan. 

• Initial Complaint

  Date:12/11/2024

  Type:Service or Repair 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.

  *** Lock called my phone, I called him back and he proceed to call himself an attorney and scream over the phone about a debt I wasnt even aware of. He proceeded to call me stupid and continue to yell about debt I owed. When attempting to ask questions about debt he proceeded to continue to yell. He then stated act stupid in front of a judge and hung up without verifying anything with me. Did NOT verify correct information or debt with me. States they called 20 times yet no voicemail was ever received.

  Business Response

  Date: 12/11/2024

  She's talking non-sense. She told me she has no money. She signed a term membership and defaulted. She was sent to collections for the balance of her contract. She was called by the drafting company and emailed. I've called her several times and she didn't return my call. She made 2 payments and defaulted on her 1 year contract. I never told her I was an attorney, I said she will be sent to the attorney. Once again she wasn't listening and talking over me and giving me a sob story. Which was not going to help her. I told her everything about the contract. she didn't like what I was saying. 

• Initial Complaint

  Date:10/25/2024

  Type:Service or Repair 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 called on 10/23/2024 to internal credit system to make a payment. The man or women not sure who she or he was he got really aggressive with me when I asked how much do I have to pay and he or she kept on yelling at me saying if Im going to pay. He just says Ill see you in court and hung up. Very unprofessional and no business should talk to anyone like that.

  Business Response

  Date: 10/25/2024

  Do you think if someone wanted to pay, we would hang up on them. I don't know where he or she came up with this non-sense.  

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22472285
  
  I am rejecting this response because: hes lying about hanging up I asked him 3 times how much do I owe to pay and he got aggressive and said h*** sue me and hung up on me. This women has had many complaints and bad reviews its normal for her to lie on these responses. 
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 10/25/2024

  First of all we don't have any women that works here. If you want to make the payment, call here and make the payment. Call in and say you want to make a payment and we'll take your payment. We're going to call you out on your bluff. All you're talking is non-sense. There is no need to email the BBB, they got nothing to do with it and will not help your situation. 

• Initial Complaint

  Date:07/15/2024

  Type:Service or Repair 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 got a paper saying I owed money for a gym I never really went to so I called the number on the paper no one answered . About 30 minutes later A man called me super aggressive saying that hes suing me and I owe money . When I started asking why he started yelling I owe money and hes going to *** me for it . I immediately hung up because he was very aggressive and rude . 10 minutes later the same man calls back . I ask him what he wanted and he again started screaming and yelling that Im just trying to get out of paying . Mind you he wouldnt identify his self so I started recording the conversation and alerted him that I recorded him cussing at me . He changed his attitude and said he was just trying to talk . I informed him I would like him not to contact me anymore and that I would dispute He said again he will be suing me and we both hung up. He would not identify his self but said I owed money for a gym . He called me again recently after I asked him not to contact me he is very nasty mouthed and disrespectful. You can collect a debt but you cant degrade and verbally abuse anyone . Im posting this and will be contacting others who had the same is*** as well as reached out to a lawyer with the recording which he let me know it was illegal for him to harass me or talk to me like that while trying to collect a debt .

  Business Response

  Date: 07/15/2024

  We dont show anyone with that name in collections. If she did call here, we would never do what she said we did.  We would never curse at anyone or say what she said.  This person is confused and maybe mistaken us for another company.  

• Initial Complaint

  Date:06/27/2024

  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.

  I was called on June 27th, 2024 regarding a debt owed to World Gym. My phone disconnected while speaking and I immediately called back and this man answered aggressively and threateningly saying he is done playing games with me. I advised him my phone disconnected and I called back. Why try to threaten someone who called back? If I didn't want to talk to you and hung up, I wouldn't have called back. I advised I plan to pay and return to the gym within the month. Mind, this is like a $300 debt because it was on a friends credit card because he said he was going to pay it for me to go to the gym with him. I acknowledge that the payment is back due and fully intend to pay it to the gym. I asked to speak to his supervisor and he goes on about how there is no one higher than him, he's the boss, everyone works for him, but he said he was calling on behalf of another party when I answered the phone initially. He refused, saying his attorney will see me in court. Highly unprofessional, un-needingly aggressive, threatening, and irate, and IMMEDIATELY bringing up that I got a new credit card in March to help pay for medical treatments my wife and I are going through. This man has no professionalism and should not operate a business.

  Business Response

  Date: 06/27/2024

  he's talking non-sense. He wanted to blame it on somebody else. He's had 4 months to take care of his balance before I called him today and he didn't do it. All he is doing is putting it off but his time is up. 

• Initial Complaint

  Date:05/13/2024

  Type:Service or Repair 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 received a call from *********************, he told me that I was going to be taken to court over a 500-dollar debt. His attitude was not what I have come to expect from a debt collector. He explained that he has called me 20 times and left a voicemail each time (I checked my call logs and voicemails I have one from him and I called him back the same day.) When I got the information about where this debt had accumulated from, I agreed to call back and pay at a later time. I then called the Gym and got the HR company they handle their payments through and found out that my so called "debt" is 200 not 500- dollars. While on the phone he told my fianc to get a job and help pay my debts. Everything this man did on the phone goes against the Fair Debt Collection Act. He threatened me, verbally insulted me and my family, and raised my debt by an additional 200 dollars. They need to be put out of business.

  Business Response

  Date: 05/13/2024

  I told this member the drafting company called him 20 times and emailed him 4 times. He bought a one year contract and made no payments on it. What the gym is telling him is what he was behind on. He didn't pay that. The club gave him 90 days to pay the outstanding balance. When he gets sent to collections, he is sent for all the unpaid monthly dues to the end of his contract. Which is ******. If he spends as much time as writing this complaint as to try to find a way to pay this debt, he wouldn't have this problem. Use your time wisely. 

• Initial Complaint

  Date:05/03/2024

  Type:Order 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.

  Company claims I owe them money even after telling them that I canceled the membership. **************** is god-awful. I did not approve for them to put this on my credit especially because I dont owe any money. However, the person on the phone told me that theres nothing I can do to dispute it, which is not true so they are liars, theyre trying to scam people out of money. Not sure how legit this company is. The person on the phone was very unprofessional so I feel like this is not a real business. This needs to be investigated. They should honestly not be in business nor should be able to contact the public.

  Business Response

  Date: 05/03/2024

  The gym removed her as a courtesy.