First Credit Services Inc.

I am disputing a collection account from XXXX XXXX for approximately {$270.00}. Around XXXX year ago, I made XXXX separate, good-faith attempts XXXX cancel my membership in person at the facility. On both occasions, the staff refused XXXX process my cancellation. The receptionist explicitly told me it 'was n't a good time ' XXXX cancel XXXX pressured me XXXX remain a member because I had recently paid a yearly fee, claiming a cancellation 'would n't make sense ' at that time. By obstructing my right XXXX cancel and refusing XXXX provide the necessary paperwork during business hours, the gym acted in bad faith XXXX violated consumer protection standards regarding gym contracts. I ceased using the facility immediately following these failed attempts XXXX cancel. I do not owe this debt as the gym 's own staff prevented the formal administrative process from being completed despite my clear verbal notice of termination.…

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I am being pursued for a debt I never authorized. This fraudulent account with XXXX XXXX is now appearing on my credit report as a collection from First Credit Services , Inc., causing immediate damage to my credit score. I have never signed a contract, authorized a membership, or even used this gym. This is a clear violation of the FCRA and FDCPA.

I previously held a membership with XXXX XXXX XXXX. I did not open my membership at the XXXX, FL location. A few months ago, that location stopped operating as XXXX XXXX XXXX and converted into a XXXX XXXX. At no point was I notified of this change, nor did I authorize or agree to transfer my membership to XXXX XXXX. Despite this, my XXXX XXXX XXXX membership was closed without my consent, and a XXXX XXXX membership was created in my name. I later discovered unauthorized charges from XXXX XXXX on my bank statements, and I immediately instructed my bank to stop the payments. I have never signed a contract with XXXX XXXX, nor have I ever visited or used any XXXX XXXX facility. When I contacted the local XXXX XXXX location and requested proof of a signed agreement, they stated they were unable to provide one. Even though no contract exists, I am still receiving calls from debt collectors claiming I owe money.…

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I am filing this complaint regarding collection accounts that have been reported on my credit report for over XXXX years. I have been receiving repeated phone calls from debt XXXX attempting to collect these debts. I previously disputed these accounts because I do not recall entering into a valid agreement with the XXXX reporting them. Despite my disputes, the accounts continue to appear on my credit reports and collection agencies continue to contact me by phone. I have requested validation of these debts, but I have not received sufficient documentation proving that the debts are accurate, that the amounts are correct, or that the XXXX have the legal right to collect them. These continued collection attempts and repeated calls are causing harassment and financial harm to my credit profile.

I am disputing an alleged debt of {$120.00} from XXXX XXXX, which was sent to First Credit Services for collection. I had a month-to-month membership and was informed I could cancel anytime. After moving to a new location, I contacted XXXX XXXX to cancel my membership, but they refused to process the cancellation, even though I could no longer use the facility. I do not owe this debt. First Credit Services is attempting to collect a debt that is invalid and legally unenforceable. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I requested validation of this debt, including a signed membership agreement, detailed billing history, and proof the agency is authorized to collect it. They have failed to provide any validation, which makes continued collection activity a violation of federal law. I request that all collection activity cease immediately and that this alleged debt be removed from any credit reporting unless proper validation is provided.…

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First Credit Services has violated 15 USC 1692g by not providing debt validation. I called and spoke with this company 2 days after receiving notice via mail and disputed this XXXX fitness debt which was well within the 45 day. I spoke with XXXX and crunch fitness and was told it was sent in error and it would be corrected. Also I requested First Credit Services provide title of ownership of this account and they have still fail to provide it which is another violation of the FCRA. This company has no right of harassing me over a debt I don't owe. I will contacting an attorney for guidance and filing a lawsuit which will be more than a XXXX on something dollars. This company has intentionally reported this account to my credit profile to intentionally hurt me credit score and credit. I don't have a contract with this company and they still had provided contract with signature nor have they provide title of ownership to even collect on this account.…

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I am submitting this complaint regarding First Credit Services , Inc., a debt collector reporting a collection account on my XXXX credit report in the amount of {$580.00} related to an alleged debt with XXXX XXXX XXXX Below is a factual timeline of events and procedural deficiencies : 1. Initial Contact XX/XX/XXXX On XX/XX/XXXX, I received a text message from First Credit Services stating that they were contacting me regarding a debt owed to XXXX XXXX XXXX The message did not include : -The amount of the debt -A statement of my 30-day right to dispute the debt -A statement that they would obtain verification if disputed -Any itemization of the amount owed The text only provided a website link and opt-out instructions. 2. No Validation Notice Within 5 Days Under the Fair Debt Collection Practices Act and Regulation F, a debt collector must provide a validation notice in the initial communication or within five days of the initial communication.…

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I have gotten XXXX texts since XX/XX/year> from the number XXXX stating that First Credit Services Inc, debt collector has been trying to reach me. They often include a name that isn't mine - XXXX XXXX. They always include a link to find out more. The domain is the same - XXXX, but the part after that seems to change. The link in today 's text is XXXX XXXX XXXXXXXX I do not have any debt, and I know better than to click on the link. I have also not replied STOP to opt out as I am worried this will inform the sender that I am a live human. I click Report Junk and delete these, but I just keep getting the texts.

I am filing a complaint against First Credit Services for reporting an unverified and inaccurate debt on my credit report. I do not recognize this account and have not been provided proper validation of this alleged debt. Despite the requirements under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), this company is reporting information that has not been verified with documentation bearing my signature or proof of legal authority to collect. I am requesting that First Credit Services : 1. Provide full validation of this debt, including the original signed agreement and chain of ownership, or 2. Immediately delete this account from all credit reporting agencies. Reporting unverified information is a violation of federal law. I am requesting prompt investigation and resolution. I am seeking deletion of this account from my credit report.

Validation of Debt Request - 1ST CRD SRVC XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Collection Account Reporting Without Proper Validation I am filing this complaint regarding a collection account reported by 1st Credit Service. Account ending : XXXX XXXX XXXX XXXX XXXX Balance reported : {$510.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Chargeoff This account is being reported as a collection ; however : -I have not received proper validation. -The reporting appears to be ongoing with recent updates. -No documentation has been provided proving legal assignment of this debt. Under the FDCPA and FCRA, a debt collector must provide verification upon request and ensure maximum possible accuracy in reporting.

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate, Incomplete, and/or Unverifiable Derogatory Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. File/Report Reference : Credit Report Dated XX/XX/XXXX Personal Identifiers : Date of Birth XX/XX/XXXX ; Current Address XXXXXXXX XXXX XXXXXXXX Dear XXXX : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I demand that you conduct a reasonable reinvestigation of the disputed information in my consumer file within 30 days of receipt of this notice ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete it permanently from my file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).…

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1ST CRD SRVC is falsely reporting on my credit. I have never had any accounts with them. Per my research 1ST CRD SRVC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

: I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud

I am submitting this complaint regarding First Credit Services XXXX XXXX XXXX On [ XX/XX/year> & XXXX ], I timely disputed the alleged XXXX XXXX account and requested debt validation pursuant to XXXX U.S.C. XXXX ( b ). First Credit Services failed to provide competent validation of the alleged debt. Despite the unresolved dispute and lack of proper validation, First Credit Services reported this account to XXXX, constituting continued collection activity during an active dispute. Reporting a collection account under these circumstances violates the Fair Debt Collection Practices Act. Additionally, reporting an unverified and disputed account constitutes inaccurate credit reporting in violation of the Fair Credit Reporting Act. This action caused measurable harm to my credit profile, including a significant credit score decrease.…

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On XX/XX/year>, I reached a settlement agreement with First Credit Services , Inc. to pay {$190.00} to resolve a debt for a XXXX XXXX account ( XXXX XXXX location ). I made the payment immediately via XXXX. Since XX/XX/XXXX, I have called the agency XXXX times ( specifically on XX/XX/XXXX and XX/XX/XXXX ) to request my formal payment receipt and a settlement satisfaction letter. Despite spending over XXXX minutes on the phone across these calls, the agency has failed to provide any written confirmation of my payment. Instead of confirming my settled account, the agency has now sent me a collection notice for a separate, unverified debt of {$340.00} regarding XXXX XXXX XXXX XXXX ( Reference : XXXX ). I do not recognize this debt. I have never been a member of the XXXX location, I reside in Kentucky, and I was out of the country in XXXX during the period this alleged debt was incurred.…

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I am submitting this complaint regarding First Credit Services , Inc. and an alleged debt from XXXX XXXX XXXX ( XXXX, XXXX ). First Credit Services reported a collection account to one or more credit bureaus without ever sending me the required written debt validation notice. I did not receive any letter by mail before this collection appeared on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to send a written validation notice within five ( 5 ) days of initial collection activity. Reporting a debt to a credit bureau is considered collection activity. First Credit Services failed to provide this notice before reporting the account. Additionally, I verbally requested that First Credit Services send written validation of the alleged debt and instructed them not to contact me by phone. Despite this request, no written validation has ever been provided, and the collection remains reported on my credit file.…

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Company : 1st credit services Account : XXXX {$260.00} Opened XX/XX/year> Reason : Identity Theft / Fraudulent Collection Account 1. What Happened I am filing this complaint because 1st credit services is reporting a fraudulent collection account on my Experian credit file for a XXXX XXXX XXXX account ending in XXXX. I am a documented victim of identity theft and I did not open, authorize, or have any knowledge of this account. I have already submitted an FTC Identity Theft Report and supporting documents, confirming that this XXXX account is the result of identity theft. Despite this, 1st credit services continues to furnish inaccurate information to Transunion, harming my credit profile. 2. What I Have Done So Far I filed an FTC Identity Theft Report. I dis puted the account with Transunion Transunion marked the account as disputed by consumer, but did not remove it.…

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In the past I was a member of the XXXX XXXX XXXX XXXX XXXX and had a small unpaid membership debt which I took care of and updated the membership. At the time first credit services was also bothering me with phone calls but then they stopped also. And now here we are over a year later and the First Credit Services is again bothering me about this paid debt

XXXX fitness had a special going on where it was XXXX dollars to sign up. I didnt agree to any contract nor was I aware there was XXXX. I though it was a pay as you go thing until I starting getting bills despite the fact I only went XXXX time. I called to to ask how to cancel they said information to cancel was in their website, I looked and they make it incredibly difficult to cancel your membership..

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

I requested to cancel my membership at XXXX XXXX, a XXXX XXXX in XXXX, NY back in XX/XX/XXXX because at that time I was moving to XXXX, XXXX for a year to study XXXX and I wasn't going to use my health club membership at that particular health club in XXXX from XXXX on due to being in another country for that long. I requested my membership cancellation in writing as requested by the health club management together with an electronic copy of my XXXX and my temporary logging at an XXXX until finding something more permanent i XXXX at that time. They immediately created all kinds of excuses to keep my membership active just to keep charging my credit card on file at that time.…

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1ST CRD SRV C is falsely reporting on my credit. I have never had any accounts with them. Per my research 1ST CRD SRV C is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I contacted XXXX XXXX regarding a phone that was allegedly purchased on XX/XX/year>, using my stolen identity for {$310.00}. I have no recollection of this transaction, and I only became aware of it after the account was sold to a debt collector ( XXXX XXXX XXXX, XXXX First Credit Services XXXX who has repeatedly contacted me and sent letters demanding payment. I requested proof of purchase from the debt collector, including a signed contract and receipt, but nothing has been provided. Despite the lack of verification, this account was reported to the credit bureau and has significantly impacted my credit score. I recently contacted XXXX XXXX by phone, and and made them aware of the situation. I was told that the signature that appears in the contract does not have my name and therefore this was a case of identity theft. I reached out to the credit Bureau, and placed a fraud alert in my credit file.…

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From XX/XX/year> at XXXX to XX/XX/year> at XXXX there have been over 10 text messages with what appears to be a phishing link, I have not responded as I do not want to compromise my information : Message Below : You have not responded to our previous communication advising you of the outstanding account balance. Our client has agreed to remove this account from your credit report if you pay or settle this balance in full. Visit XXXX XXXX XXXX or call First Credit Services , Inc. , debt collector, at XXXX. Disclosures : XXXX XXXX XXXX XXXX XXXX XXXX

I am filing this complaint because a collection agency ( First Credit Service Inc ) is attempting to collect on a duplicate XXXX XXXX account that was created in error. I spoke with XXXX XXXX directly, and they confirmed two accounts exist under my name, with one being incorrect. Despite this proof, the collection agency refuses to stop collection activity. I have disputed the debt in writing, but the collector continues to pursue the invalid account. I am requesting that the CFPB require the collection agency and XXXX XXXX to investigate the duplicate account, cease collection activity, and correct the error on my credit report. This is a billing and identity error created by XXXX XXXX, and I need assistance to resolve it.

I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above. I have no agreement or direct relationship with your agency, and therefore I do not acknowledge this debt as valid or collectible by First Credit Services Inc I request that you provide a full validation of this debt, including : o A copy of the original contract or agreement with my signature o A complete payment history, including the original amount and any interest or fees Until you provide proper verification, you must cease all collection activity in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, this debt is being reported to the credit bureaus. As it is disputed and unverified, I formally request that First Credit Services Inc remove this account from my credit report immediately, as required by the Fair Credit Reporting Act ( FCRA ), if you can not validate it. Please respond to this request in writing. Sincerely, XXXX XXXX

I am reporting repeated and improper collection activity from a debt collector who refuses to identify their company or the creditor they represent. Two different phone numbers associated with the same collector have called me multiple times, often hanging up immediately after I answer. When I finally spoke with a representative, they refused to state their name, company, or the debt they were attempting to collect until after I pointed out that under Florida and federal law, they must identify themselves and their client before requesting any verification of my identity. The representative tried to persuade me to confirm my personal information before verifying who they were. I have never received any written notice or debt validation letter from this company prior to these phone calls, as required by 15 U.S.C. 1692g. I have twice stated clearly that I will not verify any information by phone and requested written correspondence only.…

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