Affiliated Acceptance Corporation

Customer signed agreement with [redacted] in March 2014. Affiliated Acceptance was the billing company for [redacted] at the time of signing, however the name of the facility changed to FX Fitness as of June 2014 and the account was cancelled from our service program as of July 2014 and the...

account was assigned back to FX Fitness to collect the balance. The customer would need to contact FX fitness in reference to this account for any further information. Thank you for your mediation.

Initial Business Response /* (1000, 6, 2015/07/10) */
Customer signed one year agreement with [redacted] for personal training in February 2014. The agreement was for 11 monthly payments of $156.00 to begin in March 2014. Once the initial term was completed the account had an automatic renewal...

which took effect in February 2015 and continued until the customer sent in a 30 day notice to cancel account. Customer contacted our offices in March 2015 and claimed to have sent in request to cancel to the facility, after review the request was to cancel the gym membership not the personal training. The personal training account was to remain active and due payable until the customer complied with cancel procedures. Customer sent in request to cancel personal training on June 30, 2015. Payments within the 30 day notice period were due. The customer final payment date was set for July 1, 2015. The payment was drafted on that date and the account is now closed from our service program. Thanks for your mediation.

Customer had an agreement with [redacted]. The agreement was for $150.00 per month. The account went into an auto renewal and was being drafted monthly. In order to cancel the customer would need to send in a 30 day notice. No request for cancellation was received by AAC therefore the...

payments continued. To date the customer has not contacted our offices in reference to the account, however AAC will use the date the customer submitted this to the Revdex.com as the original date for customer request of cancellation. That would make the Jan 2017 the last payment on the account. The account is being closed from our service program as of today's date.  Thank you for your mediation.

Customer signed a 36 month agreement with [redacted] on April 3, 2017 agreeing to make 36 monthly payments of $159 beginning May 2017. The customer made his scheduled payments from May through August 2017. On August 14, 2017 the customer contacted our offices and requested drafting...

to be turned off. This was done per his request. Customer was advised that payments were still due and that if any payment went beyond 10 days past the due date a late fee of $10.00 per payment would apply. The customer then did not make any payments in September and October, therefore a $10.00 late fee was applied per month.  [redacted] contacted our offices on November 2, 2017 and requested that once the customer paid the September and October payments the account could be cancelled. The customer also called on November 2 and authorized a payment to close the account. The late fees that were on the account were waived and only the balance of payments due were charged. The account has been closed from our service program as of November 2, 2017 and no further pursuit of the balance will occur. Thank you for your mediation.

Initial Business Response /* (1000, 6, 2016/01/06) */
I do not have the link in order to respond online to this customer's complaint. I will list below what our response would be. If you would like to send the link, I would be happy to respond there.

Complaint XXXXXXX

The customer...

signed a six month contact that had an automatic renewal with [redacted] on 08/14/14. Once the initial six month term was complete the account began billing monthly, in order to cancel the renewal the customer would have to follow the terms listed on the agreement which states a 30 day written notice to the seller, [redacted] The customer has contacted our offices requesting that no further contact be made with him as of December 10, 2015, therefore we are unable to contact the customer to advise that he must follow the terms listed on the agreement. If the customer could provide support of the request for cancellation being submitted to the facility we would be happy to review the account further. At this time the account remains due and payable. Thanks for your mediation.


Thank you,

Customer signed agreement with [redacted].  The agreement was for two payments of $109 then auto renewal.  The customer paid the first payment at the time of signing.  The second payment was due on 06/15/16.  The customer made the payment through auto draft on 06/15/16, then...

did a chargeback through her credit card company.  The credit card company reviewed and agreed that the payment was due and payable and reversed the funds back to AAC.  Once the reversal of funds to AAC were posted to the account the account was closed from our service program.  Thank you for your mediation.

Affiliated Acceptance is the billing company for [redacted]’s. Affiliated Acceptance did not purchase/does not own the account. The customer’s agreement was assigned to our service program for billing as of 5/28/2014.  The first due date was 6/25/2014 as listed in initial response. The customer did send in one payment to Affiliated Acceptance that was received and posted to the account on 07/14/2014. No further payments were received. If the customer would like to see a copy of her agreement she can go to our website [redacted] and view the agreement or may send in a written/signed request for a copy to be sent via USPS.  Again please have the customer contact our offices for further information and to set up payment arrangements on the balance due.  Thank you for your mediation.

Initial Business Response /* (1000, 5, 2015/08/03) */
Customer signed 2 one year agreements with [redacted] in December 2014. Customer agreed to make monthly payments $50.00 on one account and $100.00 on other. The customer made payment in January through April. In May 2015 the customer...

contacted our offices and requested the auto drafting to be turned off and would call in to make payments. The customer made no payments on account but called in July claiming to have relocated 3 months prior. No support of relocation was received. Client as a courtesy, even though account past due and no support received, agreed to cancel account if customer paid the late fees on each account. Each account was past due for the May, June and July payments. Late fees are $10.00 each, therefore $30.00 in late fees on each account. The customer agreed to the charges of $30.00 on each account on each account on July 28, 2015 and the accounts are now closed from our service program. No refund due. Thanks for your mediation.

Customer had a 12 month agreement with [redacted].  Customer made payments in timely manner. In May of 2017 the customer advised our offices that he had relocated and needed to close the account. The customer provided support of his relocation, but the draft for his final June 2017...

payment was not automatically drafted and therefore went past due. The account was reported past due for July. The customer has since made the payment and the account was closed.  After review of customer account, as a courtesy Affiliated Acceptance Corporation has removed the negative reporting from July 2017 and reported the account as closed.  The customer was notified of this action on 8/25/17 and sent a letter to that effect.  Customer was satisfied with the resolve. Thank you for your mediation.

Initial Business Response /* (1000, 10, 2015/06/01) */
Customer's account with [redacted] Fitness was closed from our service program in February 2009. At the time the account was closed from our service program the account was sent to the credit reporting agencies as a closed account with zero...

balances. As a courtesy to the customer AAC is requesting deletion of the account from the customers credit file. Thank you for your mediation.

Initial Business Response /* (1000, 5, 2016/02/09) */
Customer had an open ended agreement with Woodall's Self Defense and Fitness that began monthly billing in June 2015. Customer made all monthly payments on the account. The customer contacted our offices on 01/26/16 requesting to close the...

account. The customer was advised that in order to cancel there was a 60 day written notice to close. The customer sent in the written request and a last payment date of February 2016 was set. On 01/28/16 Woodall's Self Defense and Fitness contacted our offices and requested that we close the account with nothing further due. The account was cancelled as of 01/28/16, no further pursuit of payments will be made on the account. Thank you for your mediation.
Initial Consumer Rebuttal /* (2000, 7, 2016/02/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am happy with the response. Thank you to Woodall's Self Defense for resolving the issue for me!
[redacted]

Initial Business Response /* (1000, 5, 2015/08/05) */
Customer has had multiple agreements with [redacted] Clubs, which at one time had multiple locations. The customer signed an agreement with [redacted] Clubs on January 7, 2008 in which agreed to make monthly payments of...

$78.77 for 23 months. The customer only made one payment on this account and then went past due and no further payments received. The account went into collections and remains due and payable. The customer signed another agreement with another [redacted] Club location on July 17, 2011 agreeing to payments of $45.00 for 23 months. The customer made payments on this account from July 2011 until June 2013. Leaving a small balance of $55.75 due on that account since June 2013, this account is now also in collections. Since the time that both accounts have went into collections there have been changes in ownership of the memberships, but the accounts both remain due and payable. The customer would need to contact our offices to set up payment arrangements on the accounts. Similar issues with the spouses account and would also need to set up payment arrangements. Thank you for your mediation.

Customer signed a monthly agreement with [redacted] (Fka [redacted]) on 1/19/2016 for recurring monthly payment. On July 10, 2017, the customer contacted AAC to inquire regarding cancellation.  AAC advised customer that cancellation notice may be made by email.  Customer emailed...

shortly thereafter, however AAC never received the email.  Customer did not follow up until January 23, 2018 and requested refund of all payments since July 2017. Customer's agreement contains language stating that billing errors must be reported with in 60 days. As such, [redacted] has not authorized a refund.  Thank you for your mediation.

Initial Business Response /* (1000, 7, 2015/08/05) */
Customer signed a one year, non-cancellable agreement with [redacted] Corp for personal training in April 2013. Customer agreed to make 10 payments of $200.00 beginning May 2013. The customer made her monthly payments in May through...

August 2013. The customer then requested to cancel the account. As a courtesy the customer was offered to close the account by giving a 30 day written notice and pay a cancellation fee of $250.00. The customer paid the fee of $250.00 but did not pay the September payment that was within the 30 day notice. Therefore the account remains open and due payable. At this time due to the delinquency of the account the customer is no longer eligible for this offer and must pay the balance on the account to close. Please have customer contact our offices to set up payment arrangements on balance. Thank you for your mediation.

Consumer has called in reference to account, however unable to verify that person calling is customer that signed agreement. The account has been marked as disputed until further review can be done. A fraud affidavit was sent by certified mail to the address on the agreement, however the customer...

has not signed for the mailings at this time.  Once this form has been completed and returned we will review the information further. At this time the consumer whom has contacted our offices has been advised that she may file a dispute through the credit bureaus if she feels this is not her account. Until the account can be properly reviewed it will remain due and payable. Thank you for your mediation.

Initial Business Response /* (1000, 7, 2015/07/10) */
Customer had a month to month agreement with [redacted] As of June 1, 2015 [redacted] sold to [redacted] Customers had access to [redacted] beginning June 1. In order to close account customer was required to send in a 30 day written...

notice. All payments within the 30 day period would be due. Customer sent in written request to cancel on June 2 which was her due date. A last payment date was set on the account and customer made the payment to close account on June 15, 2015. Account is now closed from our service program. Thank you for your mediation.

Customer signed agreement with [redacted] Academy on March 3, 2015.  Customer agreed to make 15 monthly payments of $135.00 beginning April 6, 2015.  The agreement is non-cancellable with the exception of permanent medical disability, relocation or by early termination procedure...

which includes paying a fee in order to close the account.  The customer made them monthly payment from April 2015 through August 2015 when the account was put on hold for the month of September 2015.  Then paid for October 2016 through June 2016, but issued chargebacks through their credit card company taking back the April, May and June payments.  The customer did not contact our offices in reference to the account until June 2016, Claiming to have cancelled account months before.  The account was reviewed and found that the customer did not follow proper procedures to cancel account and therefore remained due and payable and no refund due to the customer.  Please have the customer contact our customer service department to set up payment arrangements.  Thank you for your mediation.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.I do want to add however that the premise on their contract is flawed in that at the inception of my membership it was explained that the cost of membership is $500 for 2 years. The payment terms is that the customer chooses the initial payment amount while the remaining balance is calculated in 6 equal mothly payments. I choose to make my down payment 200 and my payments $50 each. So how is it that the business can arbitrarily say that my monthly membership will be $50 per month because that is what I decided to pay to meet my initial obligation of $500 for 2 years. Again I am not incurring any additional expenses and that is what I asked for but this business practice is not right. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  You purchased an account from  [redacted]’s Tae Kwon for pennies on the dollar and I do not have nor  had I ever had a contractual agreement with you. Your Claim is Unverifiable. You do not have proof that your company has the right to collect from me or report false information to the credit reporting agencies. You do not have any documentation where my signature is noted that I went into an agreement with you regarding any account that I have or that I have ever had. Which makes your Claim Unverifiable.                              Yet again, you have failed to provide me with a copy of any viable                              evidence, bearing my signature, showing the account is being reported                              accurately.                              Be advised that the description of the procedure used to determine the                              accuracy and completeness of the information is hereby requested.                              Additionally, please provide the name, address, and telephone number                              of each person who personally verified this alleged account, so that I can                              inquire about how they "verified" without providing any proof, bearing my                              signature.                              As per FTC opinion letter from Attorney [redacted], you should be                              aware that a printout of a bill or itemized document does not constitute                              verification.                              I am again formally requesting a copy of any documents, bearing my signature,                              showing that I have a legally binding contractual obligation to pay                              you the alleged amount.                              Be aware that I am making a final goodwill attempt to have you clear up                              this matter. The listed item is inaccurate and incomplete, and represents a                              very serious error in your reporting.                              I am maintaining a careful record of my communications with you for                              the purpose of filing a complaint with the Consumer Financial Protection                              Bureau and the Attorney General's office, should you continue in your inaccurate                               non-compliance of federal laws under the Fair Debt Collection Practices                              Act, the Fair Credit Reporting Act, and the corresponding local state laws.                              I further remind you that you may be liable for your willful non-compliance.                              Failure on your behalf to provide a copy of any alleged contract or other                              instrument bearing my signature may result in a small claims action                              against your company. I would be seeking a minimum of $1,000 in damages                              per violation for:                              * Defamation                              * Negligent Enablement of Identity Fraud                              * Violation of the Fair Debt Collection Practices Act (including but not limited                              to Section 807-8)                              * Violation of the Fair Credit Reporting Act (including but not limited to                              Section 623-b)                              You will be required to appear in a court venue local to me, in order to                              formally defend yourself. I demand that you remove all inaccurate false reporting for Trans Union, Equifax or Experian at once.                              P.S. Please be aware that dependent upon your response, I may be detailing                              any potential issues with your company via an online public press release,                              including documentation of any potential small claims action.                              Cc: Consumer Financial Protection Bureau                              Cc: Attorney General's Office                              Cc: Revdex.com 
Sincerely,
[redacted]

Initial Business Response /* (1000, 24, 2015/10/13) */
Customer did sign a three year contract with Red Fitness in 2013 and made monthly payments through July 2015. The location is not currently open 24/7, and after a review of the account has been closed from our service program. No further...

attempts to collect on the account will be made by Affiliated Acceptance Corporation. Thank you for your mediation.