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:02/03/2023

  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 on a no contract for Crunch Fitness. I tried to cancel my membership and they refused to cancel me even though i had no contract. They passed me back and forth between people and no one could help. My ***** payment is now 160$ at First Credit. I have communicated multiple times that I can not pay it in full and would like to set up payment plans. On January 27th, I was told they could accept my payments. I gave them my banking information and they must of put it in wrong after reading it to the customer ********************** rep 3 times. They than called and said it did not go through and I can no longer set up the payment I originally wanted. I was told they can not wait for their money and would not accept my biweekly payment of 20$. When i tried to speak to someone else they told me there was no one else to speak too. Horrible customer ********************** and not helpful at all.

  Business Response

  Date: 02/10/2023

  We are in receipt of the referenced complaint and appreciate the opportunity to address and resolve the concerns raised by **************************  Following is a summary of the account activity:  
  
  The account was placed with First Credit Services (FCS) for collections on 12/27/2022.  The required Model of Validation was sent to *************** on 12/30/2022. 
  
  On 01/27/2023 our office contacted **************** where she set up payment arrangements.  Then on 02/03/2023 a called was made to her where a message was left.  On the same day **************** called our office where she was advised the initial payment did not go through.  **************** proceeded with the call stating would like to new payment arrangements to resolve the account in five (5) payments.   
  
  Upon receiving the complaint, we contacted our client, ****************, MA, to address the issue stated about her efforts to cancel her membership. However, they did not respond to our inquiry in a timely manner. We have closed the account and returned it to our client.  Our system no longer contains the scheduled payments. As our office is no longer handling the reference account, all inquiries about the account should be directed to ****************, MA.
  
  Our Agents are trained to provide professional and courteous assistance, therefore ****************** claim that she received horrible customer ********************** is ********************************. Assuredly, ******************* issue has been handled seriously and addressed.
  
  We are hopeful that this resolves ***************** concerns.  If you or she have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:12/14/2022

  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 ****** ******* and I do not have a contract with First Credit Services. They did not provide me with the original application like I asked.

  Business Response

  Date: 12/23/2022

  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 04/08/2021 ****** ***** 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 10/27/2021.  Collection efforts began with the sending of
  the required Notice of Collection on 10/28/2021 informing her that the account
  was placed with our office for collections.
  
  On 11/04/2022 Ms. ***** called
  our office stating she would like to settle the account.  A settlement was discussed but Ms. *****
  decline the offer.  Contrary to Ms.
  *****’s allegations stating has not been provided documentation as
  requested.  During the call the Ms. *****
  did not request the validation of the debt and prior to the receipt of this
  complaint, we have had written no communication from the consumer. 
  
  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 log.
  
  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
  Ms. *****’s concerns.  If you or she have
  any questions or concerns our Compliance office is available Monday through
  Friday 9am to 6pm EST at ###-###-#### Ext. ****.

• Initial Complaint

  Date:12/06/2022

  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'm seeking help to resolve an ongoing issue with First Credit Services. After reviewing my credit reports, I found a collection account from First Credit Services and I was not aware of this debt with this amount. This type of error on my credit report(s) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for the date of the last payment made to the original creditor, the balance due, and the original contract. I have not received a reply. I hope to resolve this issue in a timely manner, this is negatively impacting my financial profile. I need this account to be deleted from my credit reports immediately.

  Business Response

  Date: 12/15/2022

  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 01/06/2020 ******************************* entered a gym membership with our client, One More Gym - ************.
  The contract went into default for non-payment and One More Gym - ************ (the Gym)subsequently assigned the account to First Credit Services (FCS) for collections on 04/06/2021.  Collection efforts began with the sending of the required Notice of Collection on 04/07/2021 informing him that the account was placed with our office for collections.
  On 06/18/2021 we spoke to ******************** to discuss the account, but the call was disconnected shortly after.  On 06/25/2021 we spoke to ******************** where he disputed the balance.  He was advised that the dispute was notated on the account.  He was provided with an email address to submit the written dispute.  In addition, he was informed if the written dispute is not received collection activity may resume.  Upon receipt of the verbal dispute, the account was marked to cease collection activity and the account was updated to a disputed status. Prior to the receipt of this complaint, we had no written communication from the consumer nor received a credit reporting dispute by TransUnion through eOscar.
  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 One More Gym - ************. 
  Accordingly, we closed the account and directed TransUnion, 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 he may have concerning the account should be directed to the creditor.
  We are hopeful that this resolves ******************** concerns.  If you or he have any questions or concerns our ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:10/29/2022

  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.

  Only had one month trial for crunch. Canceled before the 30 days. I do not know why my info was placed in collection. I even responded a month ago to validate. Did not hear back. Not its on my report illegally & requesting it to be taken off immediately before taken legal actions.

  Business Response

  Date: 11/08/2022

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

• Initial Complaint

  Date:10/18/2022

  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 do not owe any debts, my credit report is perfect. I have asked this company to stop calling me multiple times and they continue to call over and over to the point of harassment. If they can again I will be filing a complaint with the *** for violations of the ***** and TCPA. My number is registered on the do not call list, and it is my personal cell phone they are harassing me on. DO NOT CALL ME AGAIN.

  Business Response

  Date: 10/26/2022

  We are in receipt of the referenced complaint and appreciate the opportunity to resolve the concerns raised by ************************* in her complaint.  Upon receipt of the complaint, we ensured the account was placed into a cease & desist status and began the investigation into the allegations which included a review of all written and verbal communications and call reports associated with this account. The result of that investigation is as follows:
  
  On 04/11/2022, ************************* forwarded ******************** credit card account to our office for collection on behalf of Credit ********* N.A., the original creditor.Collection attempts commenced with telephone collection activities to the telephone number ending in #**** until 10/18/2022, when the account was placed in a cease-and-desist status in response to an unidentified individual requesting that calls to this number cease.
  
  Contrary to ****************** allegations,telephone collection activity continued after multiple requests.   No further telephone collection activity was made after 10/18/2022 and at no time did we speak with **************** or receive a written request to cease-and-desist.  It is our contention that FCS conducted itself in full compliance with state and federal laws governing communications with consumers while servicing this account.
  
  We reached out to our client for verification and was advised they couldn't supply us with a copy of the validation of the debt and therefore we have closed the account.  Additionally, our client advised they have closed the account on their end as well.   
  
  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: 10/26/2022

  [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:09/13/2022

  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 had a contract with Crunch Fitness that I cancelled in April 2020 at the start of quarantine. I owed a zero balance at that time as I was paying each month. I have a collection on my credit report through this agency. They refused to discharge the collection when disputed. I did not owe Crunch Fitness any money and I do not owe this collection agency. They could provide me no documentation regarding this collection.

  Business Response

  Date: 09/22/2022

  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 11/27/2021, and First Credit Services (FCS) sent the Initial Notice of Validation to ********************* on 11/28/2021.
  
  We contacted our client, ****** *******, ** upon notice of Ms. ****** complaint and have since been advised that the account was placed in error, the matter has been closed and the debt has been cancelled.
  
  Accordingly, we closed the account and directed TransUnion, 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 she may have concerned 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 ***************** is available Monday through Friday 9am to 6pm EST at **********************.

• Initial Complaint

  Date:09/03/2022

  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 a member at Crunch Gym. During covid I changed bank accounts and could not contract anybody to update it. I went to Gym back in to gym last April because of you reporting on my credit an outstanding balance. After I spoken with person at front desk they said all I would need to do is join gym again and it would be dropped in May. I did have been a member since. For the last 2 months I been dealing with different manager at crunch gym they all said yes it should be dropped I will reach out to our corp office. One manager said I should reach out to First Credit Services had have them contacted Crunch to drop this. I did ***** Credit said they were not allowed to contact Crunch. I have sent emails to ***** credit service I have called first credit services I have put in disputes with TransUnion. All has been ignored by Crunch and First credit. I want this off my credit report now. I have done everything everyone has asked of me. Please let me know what I need to do to correct this.

  Business Response

  Date: 09/12/2022

  We are in receipt of the reference complaint and appreciate the opportunity to address and resolve the concerns raised by ************************* in his complaint.  Below is a summary of the account activity. 
  The account was placed with our office for collection on 07/02/2021.  On 07/08/2021 First Credit Services (FCS) sent the Notice of Collection to ****************** advising that the account was placed with our office. 
  On 07/26/2022 ****************** contacted our office, disputed the balance and requested the agent to contact ****** ********, ** (the Gym).  ***************** was advised a call directly to the Gym cannot be honored and provided the steps to dispute in writing.  Upon receipt of the verbal dispute, the account was marked to cease collection activity.  On the same day we received a written communication the account was updated to a disputed status.
  Upon of the complaint,we contacted our client, ****** ********, ** upon notice of Mr. ******** complaint.  Our client responded that the account was placed by them with our agency in error and directed that the account be closed. 
  Upon further investigation our Client Services department received an email from our client on 08/03/2022 requesting the consumer to be removed from collections.  On 08/04/2022 our Client Services department replied to the clients email requesting reason for closure in order to properly close the account from our office. Due to no response from the Gym the account remained opened and a delay with the account closure.
  Accordingly, we have closed the file, updated the credit reporting agency and as of the date of this writing, confirmed that the account is no longer reporting to TransUnion. 
  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 **********************.