Complaints

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

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• 

  First Credit Services

  9 Wills Way Building 3 Piscataway, NJ 08854

• 

  First Credit Services

  PO Box 55 3 Skiles Ave Piscataway, NJ 08855

• 

  First Credit Services

  377 Hoes Ln Ste 200 Piscataway, NJ 08854-4155

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:04/19/2024

  Type:Sales and Advertising 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.

  Consistent calls from First Credit Services from various numbers. My number that is being called is tied to an independent business entity that is separate legal entity of myself and that is NOT associated with the debts of the person who owned the number prior. No one answers when I answer the phone. No voicemails are left. My business does not even have a line of credit nor debt. Phone numbers below:***************** *************** *************** ***************

  Business Response

  Date: 04/26/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  We reviewed our account file as a *********************** of the investigation into the allegations. Below is a summary of the account activity:
  
  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 him, and we are hopeful that this resolves Mr. ********* concerns. If you or he have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:03/17/2024

  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 received a collection notice for a Camp Gladiator account, master number ******, master loc number ********, business ID ******. I was advised to respond to the collection by 3/1. I responded by this date and provided a copy of my original cancellation from 1/6/22 showing a zero balance. I have never attended another Camp Gladiator course since the cancellation nor signed up for one. Please remove this collection from my account immediately as I provided proof that I cancelled and had no balance. I provided the requested information prior to 3/1 per the collection notice. The Camp Gladiator trainer D'Anthony S**** also signed my cousin up for training services without her permission. This company is illegally signing up prior members for classes without their permission to make money. Camp Gladiator will not be able to present any documents I signed for class as I never re-enrolled. I will take legal action against Camp Gladiator and First Credit Services if this is not removed from my account immediately.

  Business Response

  Date: 03/25/2024

  We are in receipt of the
  referenced complaint and appreciate the opportunity to resolve the consumer’s
  concern. 
  
  Our office is no longer handling
  the referenced account.  Our client, Camp
  Gladiator recalled the account on 03/19/2024. As part of the account closure a
  request was submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take 30 days
  or longer to update the report, and this is beyond our control.  Any further inquiries regarding the account
  should be directed to the creditor.
  
  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 ###-###-#### Ext. 2138. 

  Customer Answer

  Date: 03/26/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  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.
  
  
  
  
  Regards,
  
  
  ***** ******

• Initial Complaint

  Date:03/11/2024

  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.

  First Credit Services reported a collection bill sent from Peloton Interactive. I have contacted Peloton and they report there is no due balance for my now closed account. Please make correction and send update to TransUnion. Thanks

  Business Response

  Date: 03/19/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  Our office is no longer handling the referenced account and have submitted a request to TransUnion to delete the tradeline. As of the date of this response,as per TransUnion, this account is not being reported by FCS.  Any questions concerning the account should be directed to the creditor.
  
  If you or ************** have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:01/17/2024

  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.

  Hey BBB; FCS;
  I already paid original creditor *** *** $208, and I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. I don't know this company here. You violated my rights rights under §15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated §1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action; 
  You violated §1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of § 1692e; 
  You violated §1692e(2)(A) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client; 
  You violated § 1692e(5) of the FDCPA by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;
  You violated § 1692g(b) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumer’s right to dispute the debt with the language it used in the Collection Letter; and 
  You violated § 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. 
  As a result of the foregoing violations of the FDCPA on this matter, I demand an immediate deletion of this account from all credit reporting agency.

  Business Response

  Date: 01/26/2024

  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.  Prior to this complaint we have not received
  a written from communication from the consumer nor a request for validation of
  the debt.
  
  The account was placed with our office
  for collection from ******* ***** – Norwood, MA (the “Gym”) on 10/27/2023
  following ********** ********* default of the membership agreement.  On 10/30/2023, First Credit Services (“FCS”)
  sent the Notice of Collection to her altering her that the account was placed
  with our office for collections.  
  
  We reached out to the Gym, to address
  the concerns raised. Herewith is a copy of the following documents to serve as
  account validation 1) two (2) membership agreements showing a continuous
  relationship with the Gym, 2) photo ID, 3) payment history, and 4) billing
  history.  Upon review of the billing and
  payment history you will see that Ms. ******* was an active member of the Gym
  from March 2022 up until June 2023 when she stopped making payments under the
  terms of the Membership Agreement.  
  
  Based on the supporting documentation
  provided herewith and the investigation, it is our contention that the claim of
  an outstanding balance owed by Ms. ******* in the amount of $207.96 is valid.  We invite her to reach out to our office
  should she wish to discuss the account details.
  
  With regard to credit reporting, First
  Credit Services does not report to Experian or Equifax, nor can we respond to
  the credit reporting activity of other companies.  We did conduct a review of the credit
  reporting activity, and based on our investigation, the account and the credit
  reporting activity are accurate. 
  
  If you or Ms. ******* have any questions
  or concerns our Compliance office is available Monday through Friday 9am to 6pm
  EST at ###-###-#### Ext. 2138.

• Initial Complaint

  Date:01/01/2024

  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.

  I am not liable for this debt with 05 POWERHOUSE FITNESS CENTER. I do not have a contract with First Credit Services. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 01/02/2024

  Unfortunately, I do not have a physical letter as I asked via phone during a phone call they made to me. 

  Business Response

  Date: 01/11/2024

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern. 
  
  Our office is no longer handling the referenced account and have submitted a request to TransUnion to delete the tradeline and provide control #******* as confirmation of that request. Any questions concerning the account should be directed to the creditor.
  
  If you or ****************** have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:12/21/2023

  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.

  08/28/2023
  $236
  ****** ******* had been asked to update my payment information and cancel my membership. Apparently it didn't happen, the company kept charging me and sent the manufactured debt to "FIRST CREDIT SERVICES INC" for an inflated value of " 236 dollars instead of the 82.85 dollars that I wanted to pay with an updated payment method due to my debit card being lost.
  I haven't being contacted, nor a validity notice was ever sent.

  Business Response

  Date: 01/05/2024

  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.  Prior to this complaint we
  have not received a written from communication from the consumer nor a request
  for validation of the debt.
  
  The account was placed with our office
  for collection from ****** ******* – Tampa, FL (the “Gym”) on 08/28/2023
  following **** ****** ****** default of the membership agreement.  On 08/31/2023, First Credit Services (“FCS”)
  sent the Initial Notice of Validation to him altering him that the account was placed
  with our office for collections, a copy of which is provided herewith.    
  
  It is our understanding that the
  consumer had reached out directly to the client on 12/21/2023 and entered into
  an agreement to resolve the account. 
  Accordingly, we considered this matter closed and a request was
  submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take up to 30
  days or longer to update the report, and this is beyond our control.  Any questions concerning the account should
  be directed to Gym.
  
  We are hopeful that this resolves the
  complaint.  If you or Mr. ***** have any
  questions or concerns our Compliance office is available Monday through Friday
  9am to 6pm EST at ###-###-#### Ext. 2138.

  Customer Answer

  Date: 01/07/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  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.
  
  
  
  
  Regards,
  
  
  **** ****** ***** ********

• Initial Complaint

  Date:12/13/2023

  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 received a notice that I have a collection from 1ST CRD SRVC on my credit report. It says it was opened on 6/27/2023 for $1,007 with account number *************************** in ********that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 12/22/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Below is a summary of the account activity. 
  
  The account was placed with our office for collection on 06/27/2023, and First Credit Services (FCS) sent the Initial Notice of Validation to *********************** on 06/30/2023.  Prior to this complaint we have had no written communication from him.
  
  Upon receipt of the complaint, we contacted our client, *************************** to obtain verification.  Although the agreement and payment history were supplied, the billing history was not provided.    Accordingly, we have ceased collection of this account and returned it to our client. Any questions concerning the account should be directed to ****************************.
  
  With regard to the credit reporting, as of the date of this response, as per TransUnion, this account is not being reported by FCS.  
  
  If you or ************ have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:11/21/2023

  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.

  Dear BBB; First Credit Services; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company and I need this removed from my credit report effective today. Plus i had paid off WOW gym. You violated my rights rights under 15 USC codes sections **** d, e f g of FCRA/FDCPA. Remove from my credit report. Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v ******* mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

  Business Response

  Date: 11/30/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Below is a summary of the account activity. 
  
  The account was placed with our office for collection on 04/27/2022, and First Credit Services (FCS) sent the Initial Notice of Validation to ********************* on 04/28/2022.
  
  On 10/06/2023 we received a direct dispute from *******************  Upon receipt of the dispute we reached out to our client, Work Out World *******, ** to address the consumers concerns and requested full account validation.  We attempted to provide a written response to Ms. ******** dispute at the address provided by her but that response was returned by **** as undeliverable.  The letter advised ****************** that the account was closed back to Work Out World and we directed TransUnion to delete the tradeline. We confirmed through TransUnion that this account is not reporting to ************ credit file.
  
  Any questions ****************** may have concerning the account should be directed to Work Out World.
  
  We are hopeful that this resolves the complaint.  If you or ****************** have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:11/20/2023

  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 received a notice that I have a collection from 1ST CRD SRVC on my credit report. It says it was opened on 201948XX for $43.00 with account number *************************** in ******** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

  Business Response

  Date: 11/29/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Below is a summary of the account activity. 
  
  The account was placed with our office for collection on 08/28/2023. First Credit Services (FCS) sent the Initial Notice of Validation to ******************************* on 08/31/2023.  Upon receipt of the complaint, the account was marked to cease collections activity and the account was updated to a disputed status.  We also reached out to our client, Golds Gym ********************** to assist in the investigation however, a response was not received prior to the required response date.  Accordingly, we have closed the account and returned it to our client.  Any questions concerning the account should be directed to Golds Gym. As part of the account closure a request was submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take up to 30 days or longer to update the report, and this is beyond our control.
  
  We are hopeful that this resolves the complaint.  If you or **************** have any questions or concerns our ***************** is open Monday through Friday 9am to 6pm EST and can be reached at **********************.

• Initial Complaint

  Date:11/11/2023

  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 am not liable for this debt with WORKOUT ANYTIME and I do not have a contract with FIRST CREDIT SERVICES who has reported this to the credit bureaus and they did not provide me with the original contract as requested

  Customer Answer

  Date: 11/16/2023

   

   

  I called and spoke to someone and ask them did they have a contract between me and them saying that I owe them money that person response was no please ask them to supply you with a contract between me and them they will not do it because I don't have a contract with them

  *****

  Business Response

  Date: 11/22/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Upon receipt of the complaint,all collection efforts ceased, and the account was placed in a disputed status.   Below is a summary of the account activity. 
  
  On 04/26/2016 *************************** entered into a gym membership agreement with our client, ***************************** (the Gym).   ********************** account went into default for non-payment,and the account was assigned to First Credit Services (FCS) for collections on 12/27/2022.  Collection efforts began with the sending of the initial Notice of Validation on 12/30/2022.
  
  Our office spoke with ******************** on 01/04/2023 and on 01/13/2023 to discuss the account and the amount due.  During those two communications the Agent attempted to assist ******************** in resolving the account balance.  Both calls ended with ******************** declining the settlement offer and stating he wanted to reach the Gym.  Prior to this complaint ******************** made no requests for account validation.
  
  We reached out to the Gym to provide verification, however, they did not timely respond to our request.  Accordingly, we have ceased collections of this account and returned it to our client.  Any questions concerning the account should be directed to the creditor. As part of the account closure a request was submitted to TransUnion to delete the tradeline.  Be advised that TransUnion can take up to 30 days or longer to update the report, and this is beyond our control.
  
  We are hopeful that this resolves the complaint.  If you or ******************** have any questions or concerns our ***************** is open Monday through Friday 9am to 6pm EST and can be reached at **********************.