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:10/11/2023

  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.

  not my debt nor was i given notice or notified about this collection.

  Business Response

  Date: 10/20/2023

  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.   
  On 01/15/2022 *********************** entered into a gym membership with our client, Crunch ***********, ** (the Gym).
  The contract went into default for non-payment and Crunch ***********, ** subsequently assigned the account to ********************** (FCS) for collections on 07/27/2023.  Collection efforts began with the sending of the required Model of Validation Notice on 07/31/2023 informing him that the account was placed with our office for collections.
  Our office is no longer handling the referenced account. We have directed TransUnion to delete the tradeline.  Be advised that credit reporting agencies 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 the Gym.
  Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline.  Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
  If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:09/25/2023

  Type:Sales and Advertising 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 calls every day for the past month which identify as First Credit Services. Calls are always from a different number. They never leave a message, and if I answer the phone, they just hang up. I consider this harassment and want it to stop. The call today (9/25/2023) was from ###-###-#### at 2:22 p.m. Other numbers I have written down are: ###-###-#### on Sep. 28; ###-###-#### Sep 19; ###-###-#### Sep 20; ###-###-#### Sep 21; ###-###-#### (Sep 22). I am not aware of any past due or unpaid accounts, and if the caller just hangs up, it appears to be a scam.

  Business Response

  Date: 10/02/2023

  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:
  
  Upon receipt of the complaint, we removed the telephone number ending
  in #3116 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 Mr. ***** *** 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 Compliance office is
  available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138.

  Customer Answer

  Date: 10/02/2023

  [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:09/25/2023

  Type:Sales and Advertising 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.

  First credit services of New Jersey has called me from almost every state in the Union. I'm in NY they call me on weekends. Every day and never leave a voice-mail. I don't owe these people, want no contact with them. Make them stoppppp. Thanks

  Business Response

  Date: 10/02/2023

  We are in receipt of the
  referenced complaint and appreciate the opportunity to resolve the concerns
  raised by ***** ****** in her complaint. 
  Below is a summary of the account activity.
  
  On 07/27/2023, *** ***** ************ *** assigned Ms. ******’s credit card ending in # 0051 to First
  Credit Services (“FCS”) for collection on behalf of ******* ** **** Services,
  Inc., the original creditor. Collection efforts began with the sending of the
  Model of Validation Notice on 07/31/2023 informing her that the account was
  placed with our office for collections and continued through 09/23/2023, when
  the account was placed in a cease & desist status following receipt of the
  written communication from Ms. ****** and the subject complaint. 
  
  It is our contention that FCS
  conducted itself in full compliance with state and federal laws governing
  communications with consumers while servicing this account.  At no time did we speak with Ms. ****** or
  receive a request to cease and desist prior to 09/23/2023.  The account will remain in a cease-and-desist
  status.  Ms. ****** is welcome to contact
  our office to further discuss the account.
  
  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 on ###-###-#### Ext. 2138.

  Customer Answer

  Date: 10/03/2023

  [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:09/20/2023

  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 am not liable for the debt with first credit services, I do not have a contract with first credit services. They did not provide me with the original contract as requested.

  Business Response

  Date: 09/22/2023

  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. 
  On 08/04/2022 ******************************* entered into a gym membership with our client, Anytime Fitness ***********.
  The contract went into default for non-payment and Anytime Fitness *********** (the Gym)subsequently assigned the account to ********************** (FCS) for collections on 12/27/2022.  Collection efforts began with the sending of the required Model of Validation Notice on 12/30/2022 informing him that the account was placed with our office for collections.
  On 07/31/2023 we were notified of a credit reporting dispute by TransUnion.  Our office timely and appropriately responded to the TransUnion through e-******
  Upon receipt of the complaint, the account was marked to cease collections activity and the account was updated to a disputed status.  Prior to the complaint we had no verbal or written communication from the consumer requesting validation of the debt.  We contacted the Gym to provide verification.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
  Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline.  Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
  If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

  Customer Answer

  Date: 09/22/2023

  [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:09/14/2023

  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 Golds Gym ***************. I do not have a contract with First Credit Services. They did not provide me with the original contract as requested.

  Business Response

  Date: 09/22/2023

  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.  Prior to the receipt of this complaint, we have had no communication from the consumer. 
  On 07/24/2019 ***************************** entered into a gym membership with our client, Golds Gym ***************.
  The contract went into default for non-payment and Golds Gym *************** (the Gym) subsequently assigned the account to ********************** (FCS) for collections on 06/27/2023.  Collection efforts began with the sending of the required Model of Validation Notice on 06/30/2023 informing him that the account was placed with our office for collections.
  Upon receipt of the complaint, we contacted the Gym to address the concerns raised and assist us in resolving ******************** complaint.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
  Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline.  Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
  If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:09/11/2023

  Type:Customer Service 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 anytime fitness. I do not have a contract with First Credit Services, they did not provide me with the original contract as I requested

  Business Response

  Date: 09/20/2023

  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.
  On 04/25/2022 ***************************** entered into a gym membership with our client, Anytime Fitness -************.
  The contract went into default for non-payment and Anytime Fitness - ************ (the Gym)subsequently assigned the account to ********************** (FCS) for collections on 05/30/2023.  Collection efforts began with the sending of the required Model of Validation Notice on 06/02/2023 informing him that the account was placed with our office for collections.
  Upon receipt of the complaint, the account was marked to cease collections activity and the account was updated to a disputed status.  Prior to the complaint we have had no verbal or written communication from the consumer requesting validation of the debt. 
  We also contacted the Gym to address the concerns raised and assist us in resolving Mr. ****** complaint.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
  Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline.  Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
  If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:08/14/2023

  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 *************** ***********, I do not have a contract with First Credit Services, they did not provide me with the original contract as requested.

  Business Response

  Date: 08/23/2023

  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.  Prior to the receipt of this complaint, we have had no communication from the consumer. 
  On 05/24/2018 ******* Barton entered into a gym membership with our client, *************** ***********.
  The contract went into default for non-payment and *************** *********** (the Gym)subsequently assigned the account to ********************** (FCS) for collections on 03/27/2019.  Collection efforts began with the sending of the required Notice of Collection on 04/02/2019 informing him that the account was placed with our office for collections.
  Upon receipt of the complaint, we contacted the Gym to address the concerns raised and assist us in resolving Mr. ************************** complaint.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
  Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline.  Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
  If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:08/13/2023

  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 debt with 05 retro fitness ***********. I do not have a contract with First credit services. LP, they did not provide me with the original contract as i requested.

  Business Response

  Date: 08/23/2023

  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.  Prior to the receipt of this complaint, we have had no communication from the consumer requesting validation. 
  On 11/12/2018 ******* ***** entered into a gym membership with our client, Retro Fitness ***********.
  The contract went into default for non-payment and Retro Fitness *********** (the Gym)subsequently assigned the account to ********************** (FCS) for collections on 02/27/2020.  Collection efforts began with the sending of the required Notice of Collection on 03/04/2020 informing her that the account was placed with our office for collections.
  Upon receipt of the complaint, we contacted the Gym to address the concerns raised and assist us in resolving **************** complaint.  However, they did not timely respond to our request.  Any questions concerning the account should be directed to the Gym as our office is no longer handling the reference account.
  Upon closure of this account a request was submitted to the credit reporting agency to delete the tradeline.  Be advised that credit reporting agencies can take up to 30 days or longer to update the report, and this is beyond our control.
  If you or the consumer have any questions or concerns our Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:08/12/2023

  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 ****** round rock, I do not have a contract with first credit services, they did not provide me with the original contract as i requested

  Business Response

  Date: 08/21/2023

  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.  Upon closure of
  this account a request was submitted to the credit reporting agency to delete
  the tradeline.  Be advised that credit
  reporting agencies 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 the creditor.
  
  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: 08/24/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  

  I hope this message finds you well. I am writing to express my deep concern and confusion regarding a collection matter that recently came to my attention through my Credit Karma account. To my knowledge, I have not received any prior communication or attempts at resolution regarding this matter from your company. 

  Specifically, I would appreciate clarification on the following points: 

  Collection Details: Please provide information about the collection, including the name of the company to which it was passed on, and the date it was transferred. Knowing these details will enable me to address this matter more effectively.
  

  Credit Bureau Reporting: I would like to know which credit bureau your company reported this collection to so that I can promptly reach out to them to better understand the impact on my credit history and take necessary steps to resolve it.
  

  It is crucial to me that I am well-informed about this situation and can work towards a resolution in a timely manner. As a responsible consumer, I believe that transparency and clear communication are essential in addressing such matters.
  

  I kindly request that you provide the requested information as soon as possible. This will help me better understand the situation and take appropriate action to resolve it. Please send your response to my provided contact information.
  

  I look forward to your prompt attention to this matter and a quick resolution.
   
  
  Regards,
  
  
  ****** ****** 

  Business Response

  Date: 09/01/2023

  We are in receipt of
  the referenced rebuttal and appreciate the opportunity to resolve the
  consumer’s concern. Below is a summary of the account activity. 
  On 08/19/2022 ****** ******
  entered into a gym membership with our client, ****** – Round Rock, TX.
  The contract went into
  default for non-payment and ****** – Round Rock, TX (the “Gym”) subsequently
  assigned the account to First Credit Services (“FCS”) for collections on 05/30/2023.  Collection efforts began with the sending of
  the Model Validation Notice on 06/02/2023 informing him that the account was
  placed with our office for collections, a copy of which is provided herewith.
  Our
  office is no longer handling the referenced account. Any questions
  concerning the account should be directed to the Gym as our office is no longer
  handling the reference account.
  As of the date of this
  response, as per Transunion, 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 Monday through Friday 9am to 6pm
  EST at ###-###-#### Ext. 2138.

• Initial Complaint

  Date:08/12/2023

  Type:Order 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 not liable for this debt with First Credit Services. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.

  Business Response

  Date: 08/22/2023

  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.  Upon closure of
  this account a request was submitted to the credit reporting agency to delete
  the tradeline.  Be advised that credit
  reporting agencies 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 the creditor.
  
  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: 08/22/2023

  [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. I am expecting this to be removed from my credit report in 30 day. I would like to know the exact date First Credit Services requested this account to be removed from my credit report ?
  
  
  
  Regards,
  
  
  ****** ******