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Business Profile

Collections Agencies

First Credit Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

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First Credit Services has 3 locations, listed below.

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    Customer Complaints Summary

    • 129 total complaints in the last 3 years.
    • 28 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/09/2023

      Type:Customer Service Issues
      Status:
      Resolved
      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 *************************.I do not have a contract with First Credit Services and they did not provide me with the original contract as requested.

      Business Response

      Date: 08/15/2023

      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 02/08/2021 ************************* entered into a gym membership agreement with our client, Anytime Fitness - Watertown.

      The contract went into default for non-payment and Anytime Fitness - Watertown (the Gym) subsequently assigned the account to ********************** (FCS) for collections on 06/01/2023.  Collection efforts began with the sending of the Model of Validation Notice on 06/05/2023 informing the consumer that the account was placed with our office for collections.

      Upon receipt of the complaint the account was placed in a disputed status. Prior to the complaint we have had no verbal or written communication from the consumer requesting validation of the debt.

      We reached out to the Gym in order to address their concerns and obtain assistance in resolving their complaint.  However, they did not provide full documentation of the debt.  Any inquiries regarding 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: 08/15/2023

      [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:08/02/2023

      Type:Order Issues
      Status:
      Answered
      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 Crunch Fitness. I do not have a Contract with 1st CRD SRVC. They did not provide me with the original contract as requested.

      Business Response

      Date: 08/11/2023

      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.  Any questions concerning the account should be directed to the creditor.

      As of the date of this response,as per Transunion, this account is not currently reporting to Ms. ****** credit file.

      If you or the consumer have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

    • Initial Complaint

      Date:08/01/2023

      Type:Order Issues
      Status:
      Resolved
      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.
      Im not liable for this debt with *******************. I do not have a contract with First Credit Services, LP, they did not provide me with original contract as I requested.

      Business Response

      Date: 08/10/2023

      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 complaint we have had no verbal or written communication from the consumer requesting validation of the debt

      On 09/24/2022 ************************* entered into a gym membership agreement with our client, ********************, **.

      The contract went into default for non-payment and ********************, ** (the Gym) subsequently assigned the account to ********************** (FCS) for collections on 04/27/2023.  Collection efforts began with the sending of the required Model of Validation on 05/01/2023 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 Mr.******** **************** 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.

      We are hopeful that this resolves the **************** If you or ****************** have any questions or concerns our ***************** is open Monday through Friday 9am to 6pm EST and can be reached at **********************.

      Customer Answer

      Date: 08/10/2023

      [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:07/25/2023

      Type:Order Issues
      Status:
      Answered
      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 I requested.

      Business Response

      Date: 08/04/2023

      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 had no communication from the consumer nor any validation request.   
      On 03/18/2021 ************************* 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 04/27/2023.  Collection efforts began with the sending of the Model of Validation Notice on 05/01/2023 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 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.
      We have directed TransUnion to delete the tradeline and submitted an AUD (control # *******).  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:07/24/2023

      Type:Order Issues
      Status:
      Resolved
      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 I requested.

      Business Response

      Date: 08/03/2023

      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 written communication from the consumer. 
      On 07/10/2022 ***************************** entered into a gym membership with our client, ********************** Martinsburg, **.
      The contract went into default for non-payment and ********************** Martinsburg, ** (the Gym) subsequently assigned the account to ********************** (FCS) for collections on 11/28/2022.  Collection efforts began with the sending of the Model Validation Notice on 12/01/2022 informing him that the account was placed with our office for collections.
      On 07/12/2023 our office contacted ******************** and during the call he did not dispute the balance nor requested validation of the debt. ******************** asked if we would provide him with a pay to delete letter.  He was informed the tradeline would reflect the terms of the payment as we do not engage in pay to deleteactivity. 
      Upon receipt of the complaint, we contacted the Gym to address the concerns raised and assist us in resolving ********************** complaint.  The Gym has recalled the account.  Accordingly, we have ceased collections of this account and returned it to our client.  Any questions he may have concerning the account should be directed to the Gym. 
      We have directed TransUnion to delete the tradeline and submitted an AUD (control # *******).  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: 08/10/2023

      [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:06/29/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 Full Throttle fitness murr. I do not have a contact with first credit services, they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/07/2023

      We are in receipt of
      the referenced complaint and appreciate the opportunity to resolve the
      consumer’s concern. Below is a summary of the account activity. 
      On 05/28/20 ****** *******
      entered into a gym membership with our client, **** ******** *******
      The contract went into
      default for non-payment and **** ******** ******* (the “Gym”) subsequently
      assigned the account to First Credit Services (“FCS”) for collections 01/27/22.
      Collection efforts began with the sending of the Model of Validation Notice on 01/31/22
      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.  We
      contacted the Gym to provide verification. 
      In response to the complaint, we enclose the following documents to
      serve as account validation: 1.) Membership Agreement, and 2.) billing history.
      We
      took additional steps to review the credit reporting activity, and based on our
      investigation, the account and the following credit reporting activity are
      accurate.

      If
      you or the consumer have any questions or concerns our Compliance office is
      available Monday through Friday 9am to 6pm EST at ###-###-#### Ext. 2138.

    • Initial Complaint

      Date:06/23/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 SERVICE CREDIT. They did not provide me with the original contract as requested.

      Business Response

      Date: 06/30/2023

      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. 
      On 05/28/19 ******************* 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 11/27/20. Collection efforts began with the sending of the required Notice of Collection on 12/03/20 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.  Accordingly, we have ceased collection of this account and returned it to our client. 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 ***************** is available Monday through Friday 9am to 6pm EST at **********************.

    • Initial Complaint

      Date:06/11/2023

      Type:Order Issues
      Status:
      Answered
      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 crunch fitness az, 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: 06/20/2023

      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.  Prior to the receipt of this complaint, we have had no written communication from the consumer. 

      On 09/30/2022 ************************* entered into a gym membership agreement with our client, Crunch *******, **.

      The contract went into default for non-payment and Crunch *******, ** subsequently assigned the account to ********************** (FCS) for collections 02/27/2023.  Collection efforts began with the sending of the Model Validation Notice on 03/02/2023 informing him that the account was placed with our office for collections.

      On 05/08/2023 ************** contacted our office and asked if he paid the balance would it get deleted from his credit report.  The Agent informed ************** the tradeline would reflect the terms of the payment as we do not engage in pay to delete activity.  ************** stated he would call back as he would need to do further research.  At no point did ************** request validation of the debt.

      Upon receipt of the complaint, the account was marked to cease collections activity and the account was updated to a disputed status. We also contacted the Gym to provide verification.  The client has recalled the account from placement.   Accordingly, we have ceased collection of this account and returned it to our client. 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:06/07/2023

      Type:Billing Issues
      Status:
      Resolved
      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: 06/14/2023

      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.  We have directed
      ********** to delete the tradeline and submitted an AUD (control # *********).  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. *****

      Customer Answer

      Date: 06/14/2023

      [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:04/11/2023

      Type:Billing Issues
      Status:
      Resolved
      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 *************** and do not have a contract with LVNV Funding, LLC. They also did not provide me with the original application or properly validate this account.

      Business Response

      Date: 04/20/2023

      First Credit Services, **** is in receipt of the referenced complaint.  We reviewed our records, and we are unable to locate any records under  the consumers name associated with LVNV Funding, LLC.  We believe the communication was directed to our company in error as we do not credit report for LVNV Funding, LLC.

      Customer Answer

      Date: 04/20/2023


      Complaint: 19925658

      I am rejecting this response because: this company has placed a collection for $100 on my credit report from a supposedly gym membership of crunch fitness.  I need a wet signed document stemming from a contract that they allegedly state that I owe.  My rights as a consumer is being violated and I have also placed this with CFPB.



      Regards,

      *****************************

      Business Response

      Date: 04/27/2023

      We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Based on ********************** rebuttal response, she made it clear the account in question is regarding Crunch Fitness.
      Upon further review we did locate an account under her name.  Below is a summary of the account activity.
      On 08/17/2020 ***************** entered gym membership with our client, ****************.
      The contract went into default for non-payment and **************** subsequently assigned the account to ********************** (FCS) for collections 11/28/2022.  Collection efforts began with the sending of the Model of Validation Notice on 12/01/2022 informing her 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 creditor.
      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 **********************.

      Customer Answer

      Date: 04/27/2023

      [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,

      *****************************

    First Credit Services is NOT a BBB Accredited Business.

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