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

  377 Hoes Ln Ste 200 Piscataway, NJ 08854-4155

• 

  First Credit Services

  PO Box 55 3 Skiles Ave Piscataway, NJ 08855

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:04/01/2023

  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.

  I'm not liable for this debt with Retro fitness, and I do not have a contract with FIRST CREDIT SERVICES. They did not provide me with the original application as I asked.

  Business Response

  Date: 04/07/2023

  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 assigned to First Credit Services (FCS) for collections 01/27/2023.  Collection efforts began with the sending of the required Notice of Validation on 01/30/23 informing her that the account was placed with our office for collections.
  
  Upon receipt of the complaint, we placed the account in a cease-and-desist. Before receipt of this complaint, we had no communication with the consumer, and neither received any written request for validation.
  
  We contacted our client, Retro Fitness -*********** 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 Retro Fitness - ***********..
  
  Our office is no longer handling the referenced 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.  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:03/27/2023

  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.

  This business is in violation of consumer law. They’ve purchased my information. Selling my information is against the law and purchasing it is as well. I demand this collection be removed from my credit report immediately or further action will be taken. Thank you!

  Business Response

  Date: 04/05/2023

  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 01/23/2022 ****** ****** entered into a gym membership with our client, ****** – Frisco, TX.
  The contract went into
  default for non-payment and ****** – Frisco, TX (the “Gym”) subsequently
  assigned the account to First Credit Services (“FCS”) for collections 09/27/2022.  Collection efforts began with the sending of
  the Model of Validation on 09/30/2022 informing him that the account was placed
  with our office for collections.
  In response to the
  complaint, we enclose the following documents to serve as account validation:
  1.) membership agreement, 2.) photo ID, 3.) payment history, 4.) billing
  history and 5.) check in history.
  As of the date of this
  response, as per Transunion, this account is not currently reporting to Mr.
  ******’s credit file.
  We are hopeful that
  this resolves the complaint.  If you or Mr.
  ****** have any questions or concerns our Compliance office is open Monday
  through Friday 9am to 6pm EST and can be reached at ###-###-#### Ext. ****.Tell us why here...

  Customer Answer

  Date: 04/05/2023

  [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 IF it isn't reporting then it should be removed in the coming days and I find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ****** ******

• Initial Complaint

  Date:03/08/2023

  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 writing to you today to express my frustration and disappointment with the lack of response to my previous attempts to dispute items on my credit report. I submitted disputes in February 2023, and to date, I have not received a proper response from your agency. It has been over 30 days, and I have yet to hear back from you regarding the status of my dispute.
  
  I am particularly concerned about the fraudulent items on my credit report that should be removed immediately. Despite my efforts to dispute these items for years, I feel like my requests have been overlooked, and my credit report continues to be negatively impacted. This situation is unacceptable, and I expect a prompt resolution to this matter.
  
  As a consumer, I understand that I have the right to dispute any inaccurate or fraudulent information on my credit report. Your agency is in violation of my rights by failing to respond to my dispute within the required timeframe. If this matter is not resolved in the near future, I will have no choice but to seek legal assistance in removing these negative items from my credit report.
  
  I urge you to take immediate action and address my dispute as soon as possible. I expect to receive a response from your agency promptly and look forward to a resolution to this matter.

  Business Response

  Date: 03/17/2023

  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 03/14/2022 ***** ******
  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 08/29/2022.  Collection efforts began with the sending of
  the required Model Validation Notice on 09/01/2022 informing him that the
  account was placed with our office for collections.
  
  On 01/31/2023 Mr. ******
  contacted our office and during the call he disputed the debt.  The account was marked to cease collection
  activity and the account was updated to a disputed status.  The Agent advised him to send a written dispute
  and provided an email address where to send his dispute.  In addition, Mr. ****** was informed if the
  dispute is not received within fourteen days collections activity may resume.
  
  Our office did not hear from Mr.
  ****** until 03/01/2023 where he sent in a written communication disputing the
  debt.  The account was marked to cease
  collection activity and the account was updated to a disputed status. 
  
  We have reviewed the consumer's
  complaint and are unable to undertake a fair inquiry due to the absence of
  specific facts and information. Specifically, the claim gives no precise
  information upon which to conduct an investigation. In order for us to conduct
  an investigation, we need Mr. ****** to produce documentation of his claim as
  well as any supporting evidence to establish the claim's premise.
  
  Although not required, we suggest
  he complete and return an Identity Theft Affidavit or sworn statement which
  will provide all the requisite information needed in order for us to
  investigate his claim of identity theft. We recommend he review the Federal
  Trade Commission website at www.consumer.gov/idtheft . This site is devoted to
  providing consumers with resources to assist with Identity Theft. He may also
  contact the FTC’s hotline for reporting and addressing inquiries related to
  Identity Theft at 1.877.IDTHEFT (###-###-####).
  
  Regarding to Mr. ******’s claim
  that he filed a dispute with the credit reporting agency, and they have not
  responded to his dispute. FCS is not a credit reporting agency and does not
  report to Experian or Equifax, nor can we respond to credit reporting activity
  of other companies.  We have no record of
  a credit reporting dispute by TransUnion through e-Oscar.  With regards to the allegations of inaccurate
  credit reporting.  We have conducted an
  investigation into the allegations and have verified the account information
  being reported is accurate and reflects the account history.
  
  In response to the complaint, we
  enclose the following documents to serve as account validation: 1.) membership
  agreement, 2.) payment history, and 3.) billing history.
  
  We
  are hopeful that this resolves Mr. ******’s 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

• Initial Complaint

  Date:03/08/2023

  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.

  This complaint is due to the negative marks made by your company on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it’s not mine and there’s no way that you can validate it. So let it be known that I am requesting full validation of this debt. I demand that you take action on this matter because it is causing me a lot of stress lately. Please remove this negative account from my credit report. The value of my creditworthiness is at stake.

  Business Response

  Date: 03/17/2023

  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 01/29/2021 Yvette
  ******* entered into a gym membership with our client, ***** ******* – Fort
  Lee, NJ.
  The contract went into
  default for non-payment and ***** ******* – Fort Lee, NJ (the “Gym”)
  subsequently assigned the account to First Credit Services (“FCS”) for
  collections 08/29/2022.  Collection
  efforts began with the sending of the required Model of Validation on 09/01/2022
  informing her that the account was placed with our office for collections.
  On 02/03/2023 our
  office contacted Ms. ******* where she disputed the debt. The account was
  marked to cease collection activity and the account was updated to a disputed
  status. Upon receipt of the verbal dispute, we reached out to the Gym to
  address the concerns raised and to provide validation.  That response, along with the required
  supporting documentation was provided to the consumer on 02/22/2022, a copy of
  which is enclosed.
  We took the additional
  steps to review the credit reporting activity, and based on our investigation,
  the account and the following credit reporting activity are accurate.  
  We are hopeful that
  this resolves the complaint.  If you or Ms.
  ******* have any questions or concerns our Compliance office is open Monday
  through Friday 9am to 6pm EST and can be reached at ###-###-#### Ext. 2138.

• Initial Complaint

  Date:03/08/2023

  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.

  I was first contacted by FCS in January 2023 in regards to an account placed with them by **** *********. On the initial call I spoke with the agent and I asked several times what I need to do to ensure this doesn't report to my credit. He told me the best way to ensure that is to settle the account. He and I came to an agreement which resulted in 3 payments made on January 9, February 9 and the last is to come out on March 9. On March 2 I received notification that this account was reported to Transunion. I immediately called FCS to try to resolve this. The several agents I spoke to had horrible customer service and absolutely refused to help. The manager I spoke with said he reviewed the call and that his agent's words were not a promise, thus they will not take action to delete this from my credit report. I have a perfect credit history and this one infraction is causing me major hardship in purchasing a home. The initial agent I spoke to about settling this account was extremely pushy and I expressed to him several times that I will settle if this is not reported to my credit. He reassured me that settling is how to ensure that. I settled and held my end of making the payments. FCS did not hold up their end of the agreement by not reporting to my credit.

  Business Response

  Date: 03/17/2023

  We are in receipt of the referenced
  complaint and appreciate the opportunity to resolve the consumer’s
  concern.  Upon receipt of the complaint,
  we began the investigation into the allegations which included a review of all verbal
  communications and call reports associated with this account. The result of
  that investigation is as follows:
  
  On 07/26/2022 ***** ****** ****** entered
  a gym membership contract with our client, **** **********  The contract went into default for
  non-payment, **** ********* subsequently assigned the account to First Credit
  Services (“FCS”) for collections on 01/03/2023.  FCS sent the Model Validation Notice to Ms. ****** ****** on 01/06/2023
  informing her that the account us placed with our office for collections. 
  
  On 01/09/2023 our office contacted Ms. ****** ****** where
  she stated would make payment arrangements   to settle the account in three-parts between the months of January to March.  She inquired about credit reporting Ms.
  ****** ****** was advised cannot guarantee that account will not be reported on
  her credit report. Ms. ****** ****** agreed to a three-part settlement and set
  up payments to resolve the account.  Upon
  reviewing the account, at the time of the call the account was not credit
  reporting since the account recently was assigned to our office.
  
  With regards to the allegations that FCS
  did not hold up to the settlement agreement and that she experienced horrible
  customer service, and the Agents were pushy.  We reviewed the aforementioned telephone calls and did not find the
  Agents to be unprofessional or pushy.  Our Agents are trained to provide professional and courtesy service, so
  Ms. ****** ******** statement is disheartening.  Rest assured retraining would be provided to ensure consumer’s requests
  are understood and provide clear communication to consumer’s queries.
  
  Regarding credit reporting activity, the
  account was accurately reported to reflect the collection paid status.  However, in an effort to accommodate Ms.
  ****** ******** inconvenience 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. 
  
  We apologize for any confusion this may
  have caused her, and we are hopeful that this resolves Ms. ****** ********
  concerns.  If you or she have any
  questions or concerns our Compliance office is available Monday through Friday
  9am to 6pm EST at ###-###-#### Ext. 2138.

• Initial Complaint

  Date:03/08/2023

  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've already expressed concern about the $217.00 balance on this unverified account, ********. I sought to call the credit bureaus to verify the validity of their inquiry. I ran into problems that neither First Credit Services nor credit rating agencies could resolve. As a result, I've decided to seek your assistance in removing this bogus and unverified account.

  Business Response

  Date: 03/17/2023

  We are in receipt of the referenced
  complaint and appreciate the opportunity to resolve the consumer’s
  concern.  Following is a summary of the
  account activity:  
  
  On 03/31/2021 ******* ********** entered
  into a gym membership with our client, ***** ******* * *********** ***
  
  The contract went into default for
  non-payment and ***** ******* * *********** ** (the “Gym”) subsequently
  assigned the account to First Credit Services (“FCS”) for collections
  09/27/2021.  Collection efforts began with
  the sending of the required Initial Notice of Validation on 10/04/2021
  informing her that the account was placed with our office for collections.
  
  Upon receipt of this complaint, we
  reviewed our account file and communication and find no record of a prior communication
  or dispute received from the consumer or from the credit reporting agency.
  
  As of the date of this response, as per
  Transunion, this account is not currently reporting to Ms. *********** credit
  file.
  
  In response to the complaint, we enclose
  the following documents to serve as account validation: (1) copy of the
  membership agreement; (2) payment history; and (3) billing history.
  
  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.

• Initial Complaint

  Date:03/07/2023

  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.

  Company name: First Credit Services Acct #: 1654****I am disputing the report and claims by this company. I do not own neither am I liable for the debt with this company. I have not nor have I ever signed a contract with this company for services. ************ has failed to provide original contract of service with them rendered to me although I have requested it. Furthermore, ************ is violating my rights as a consumer per the ************************************ and see list below of their violations 15 U.S.C **** Section 602 A states that I have a right to privacy.15 U.S.C **** Section 604 A Section 2 states that a consumer reporting agency cannot furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I demand their reports be removed from my credit report as I do not own this debt and my consumer rights have been violated.

  Business Response

  Date: 03/16/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the consumers concern.  Our records indicate we have already responded to the consumers prior complaint # *******,advising our office is no longer handling the referenced account.  Any questions concerning the account should be directed to the creditor, ****************.

• Initial Complaint

  Date:03/06/2023

  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 First Credit Services as I did not enter into a contract with this company. I do not have an account with them and have never signed a contract with First Credit Solutions for services. They have not provided with original copies of any contracts as demanded.

  Business Response

  Date: 03/16/2023

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

• Initial Complaint

  Date:02/17/2023

  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 had canceled an Anytime Fitness Membership in ******************. ** -roughly between the years of 2013-2014. This ******************* contacted me between the years of 2015-2016 requesting the payment of a $500 debt, I refused because I throught it was a scam. I have not heard anything until now (the year of 2023). I am refusing to pay any debt... I have never received a bill from Anytime Fittness, and I will not pay $500 for services that I did not use from 10 years ago. This collection agency is a scam, I strongly suggest not to give this operation any personal or financial information. The last conversation I had with an Agent concluded the following: I need to submit a dispute to ******************* (is this even a secure email...?), and use the title "Master# OF5993". I am off the phone call list now after threatening to report them to the BBB.

  Business Response

  Date: 02/27/2023

  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 06/24/2015 ********************************* 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 First Credit Services (FCS)for collections 03/13/2017.  Collection efforts began with the sending of the required Notice of Collection on 05/22/2017 informing her that the account was placed with our office for collections.
  On 02/17/2023 our office contacted ***************************  During the call she verbally disputed the debt.  The dispute was noted on the account and was placed in a disputed status. She also requested to cease and desist calls.  That request was honored.  ************************** was advised to submit her dispute in writing to ********************.  Prior to the receipt of this complaint, we have had no written communication from the consumer. 
  Upon receipt of the complaint, we reached out to our client to address the concerns raised and 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 Anytime Fitness ******************
  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 Compliance officer is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:02/17/2023

  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.

  First credit services charged me an amount of $240 on July 27, 2018. I dont know first credit services and I have no contract with them.

  Business Response

  Date: 02/27/2023

  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 11/11/2017 ********************************** 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 First Credit Services (FCS) for collections 07/27/2018.  Collection efforts began with the sending of the required Notice of Collection on 08/02/2018 informing him that the account was placed with our office for collections.
  Upon receipt of the complaint, we reached out to our client 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 Retro Fitness - **********.
  As of the date of this response, as per Transunion, this account is not currently reporting to Mr. ******* 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 **********************.