First Credit Services

I am rejecting this response because:
I requested a letter every time someone called me. April 16 was not the only time I requested a letter. The lady representative hung up on me after a requested a letter. This company submitted the letter quickly to you but couldn't fill my request in a timely matter. This company is very unprofessional. I will definitely pay this bill after I receive my letter. Thanks Revdex.com for your assistance.

In regards to Ms. [redacted] claim that she moved and her number changed.  All communications made to Ms. [redacted] were done through the information that was provided by Ms. [redacted] on her contract. The address and telephone number [redacted] had for Ms. [redacted] is the same exact information Ms. [redacted] provided to the Revdex.com. At this time, it does not appear that Ms. [redacted] claim that she was not reachable are in-line with the current information she provided. I have attached a copy of Ms. [redacted] contract showing that her contact information has not changed.  First Credit Services takes complaints very seriously and we appreciate the opportunity to respond to [redacted] complaint. Thank you, Brooke B[redacted] Director of Compliance.

Due to the FDCPA and HIPAA laws, we cannot share information regarding an alleged healthcare debt that may have been placed with our company with a third-party. Additionally, we do not have a fax machine to communicate with consumers. If Ms. [redacted] is disputing a debt that was placed with our...

office for her husband, we ask that she provide a signed power of attorney or document from her husband giving permission to disclose any alleged debt. Our mailing address is [redacted] If Ms. [redacted] husband has an account with our office, we will mail documentation of the debt to him, we would not be able to provide it to Ms. [redacted] or the Revdex.com.  First Credit Services takes complaints very seriously and we appreciate the opportunity to respond to Mrs. [redacted] complaint.

In response to the letter received from [redacted]:   Mr. [redacted] is correct, he requested a letter to be sent to him after his payment was made. Our office typically does not send these letters for 30 days to ensure that the consumers payment does not come back to our office nsf. We did...

find that our collector did not advise Mr. [redacted] that there would be a delay and for that, we apologize. Mr. [redacted] made his payment on 2/8/2017 and we sent Mr. [redacted] a paid in full letter today to his address of [redacted] 92677.   First Credit Services takes complaints very seriously and we appreciate this opportunity to fix this issue for Mr. [redacted].  We sincerely apologize for any inconvenience caused and thank him for the opportunity to resolve this matter.

In response to the letter received from [redacted]:   Mr. [redacted] is correct; he did send our office a dispute letter. Our office sent multiple requests to our client for validation of the debt and was not successful in obtaining sufficient validation to forward to Mr. [redacted]. At that time,...

our office should have closed Mr. [redacted] account, however, due to an internal error, the account was not closed as it should have been, and the account remained open. We have processed a manual request to have this matter removed from Mr. [redacted] credit report (we only report to [redacted]) and we have closed the account and returned it to our client.   First Credit Services takes complaints very seriously and we appreciate this opportunity to fix this issue for Mr. [redacted].  We sincerely apologize for any inconvenience caused and thank him for the opportunity to resolve this matter and realize a deficiency. If Mr. [redacted] has any questions, he can reach out to me directly.         Sincerely, [redacted] Director of Compliance ###-###-####

In response to the letter received from [redacted]:   Mr. [redacted] account was sent to our office by our client Retro Fitness Babylon. As agreed with our client, we placed calls and sent a letter to Mr. [redacted] attempting to resolve the outstanding matter. We had spoken with Mr. [redacted] and he...

offered our office $100.00 to settle his account along with another account. This was not an offer we could accept. We offered Mr. [redacted] a settlement of $220.00 to cover both his account as well as the other individuals account. Mr. [redacted] decided to not take our offer so the account owing. All settlement offers are valid as long as our client will allow our office to take them and are subject to change at any time.   Regarding Mr. [redacted] phone call to our office, the representative that took the call was having difficulty pulling up Mr. [redacted] account and asked Mr. [redacted] if he would like his “direct number” to call him back.  The representative at no time offered to give Mr. [redacted] his cell phone number. Our representative was attempting to gain some additional time in order to pull up Mr. [redacted] account. Mr. [redacted] got frustrated, said he was going to file a Revdex.com complaint towards our company and hung up. Shortly after Mr. [redacted] hung up on our representative was able to pull up the account and called Mr. [redacted] back. He did not call back from a cell phone. Had he called Mr. [redacted] from a cell phone, I would not have been able to pull the call recordings to listen to what took place on the call. Please rest assured, this is not a scam.     Regarding Mr. [redacted] claim that he tried to cancel his contract multiple times: Mr. [redacted] will need to provide additional detail as to how he canceled his contract. Retro Fitness has not received a cancelation nor has Mr. [redacted] provided proof that it was canceled and that the gym failed to process the cancelation. I’ve attached a copy of Mr. [redacted] contract along with his payment history showing that there were several chargebacks performed.     First Credit Services takes complaints very seriously. The only issue our office sees that took place was the failure of our collector to quickly pull up Mr. [redacted] account. We have spoken with the representative and additional training has been given.   Thank you for the opportunity to response to the complaint you received from Mr. [redacted].

In response to the letter received from [redacted]:   Our client Retro Fitness placed an account with our office for Ms. [redacted] July 28, 2015.  We sent a letter to Ms. [redacted] 8/3/2015 and made numerous phone calls without a return call or response to our letter. Had we heard from Ms....

[redacted] we would have been able to investigate her claims with our client and we could have resolved this matter much sooner.  We were unaware there was an issue until Ms. [redacted] call to our office in March of 2017 where we began our investigation. Per federal guidelines, we have 30 days to investigate a consumer dispute and provide a response.   We reached out to our client requesting validation of the debt. After an investigation was performed, Retro Fitness advised our office that Ms. [redacted] claims were true and that they sent this account to First Credit Services mistakenly, and requested that we close and return the account to them. As of 3/24/2017 the account has been closed in our system and a request has been placed with [redacted] to remove the tradeline reporting.   First Credit Services takes complaints very seriously and we appreciate the opportunity to respond to Ms. [redacted] complaint.

Revdex.com: Thank you for your quick resolution.  The account has been removed from my credit report since my initial contact with your agency, however the letter they supplied to your agency is full of lies.  I have uploaded information in regard to this alleged account with dates.  I cannot understand how I went from having a retro-fitness account to going though [redacted] and then end up with First Credit Service.  I would like to know how they summed up $138.00 ? I would like to file charges and/or complaints for violations for Federal and State statutes on fraudulent extortion and illegal collection activities 
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Mr. [redacted] filed a complaint with our office via email and his complaint was resolved within two days. Mr. [redacted] reached out to our office to inform us that [redacted] had incorrectly reported a debt to his credit. First Credit Services is a data furnisher and we do not physically place debts on the...

credit of an individual. After investigating Mr. [redacted]'s claim that a debt was incorrectly reported to his credit, our office performed a full investigation and found that Mr. [redacted] has the same name of a consumer that did have a debt. Our office immediately sent a request to [redacted] to remove this debt from Mr. [redacted]'s credit. If Mr. [redacted] is still experiencing issues, we urge him to please reach out to our office just as he did previously. We are ready to address any questions or concerns he may still have around this issue. We appreciate the opportunity to respond to the complaint you received from Mr. [redacted]. Thank you, [redacted]

In response to the letter received from [redacted]r:   Ms. [redacted]r does not have a contract with First Credit Services, Inc., however, she does have a contract with our client [redacted] who we work on behalf of.   Ms. [redacted]r has made no attempt by phone or letter to...

discuss this matter, nor has Ms. [redacted]r sent any dispute to our office. We do not report to Equifax or Experian; the matter was only reported to TransUnion and has now been updated as disputed. We have included a copy of Ms. [redacted]r’s contact showing Ms. [redacted]rs signature and terms and conditions.   If Ms. [redacted]r has any additional questions, she can contact our office at ###-###-#### and one of our representatives will be happy to assist her.   First Credit Services takes complaints very seriously and we appreciate the opportunity to respond to Ms. [redacted]rs complaint.

Mr. [redacted],  Please provide our office with an account number as well as the name of your wife so that we may investigate this matter. Also, if this alleged debt is under your wifes name, we ask that you please provide a letter from her giving permission to speak with your regarding...

this matter.  Thank you.

In response to the letter received from [redacted]: Mr. [redacted] opened a gym membership with our client [redacted] Lewisville 8/6/2013.  Mr. [redacted] was aware of the membership since he did attempt to cancel it (please see attached letter from Mr. [redacted] to our client). Mr. [redacted] should...

rest assured that this is not a scam and this account was sent our office because it is believed to be owed.     As a third-party collection agency, we must collect on the balances assigned to us as outlined to the consumer in his/her original contract with our client. We take complaints very seriously, we have reviewed the documentation from our client and view the balance as valid. I sincerely apologize for any inconveniences regarding this matter and thank you for the opportunity to respond to the complaint you received from Mr. [redacted].

Complaint: [redacted]
I am rejecting this response because: Then why was I given a fax number, oh maybe to blow me off for a few days or weeks so I couldn't dispute.  And when I called back after trying for 5 days,  they asked me the number and would not provide, and when I gave them the number, oh I'm sorry the fax line must be down. I am not understanding why our office would lie.  I have mailed all the documentation I was told to mail and that was over a week ago now.  I still has not received any documentation from them.  
Regards,
[redacted]

As of 1/20/2016 our office received a request from our client [redacted] to close and return the account they sent us as "sent in error." This account has since been closed and is no longer being pursued by our office. We thank you for the opportunity to respond to the complaint you received from Mr. [redacted]

First Credit Services did in fact remove that from the [redacted] Credit report within one week.  I am very satisfied.  Thanks so much.