Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
This complaint is against a debt collection agency, First Credit Services XXXX XXXX, who is working on behalf of XXXX XXXX XXXX XXXX XXXX. I first disputed this debt in XXXX, and First Credit Services XXXX XXXX refuses to remove this from my credit report. 

In XX/XX/XXXX, I went to XXXX XXXX XXXX - XXXX to inquire about adult martial arts classes. The head instructor, who would only refer to himself by " XXXX XXXX, '' took me into his office to discuss enrollment. XXXX told me that XXXX XXXX XXXX offers adults-only classes where the entire cohort would be adults. XXXX said that the classes were separated by age group for safety reasons, and I would be interacting with other adults around my age or above. However, when I arrived to the facility for what should have been my XXXX  class, there were only children there. I asked XXXX where the adults were, and he said that this class was a combined class. I asked him about his assertion that the classes were separated for safety reasons. He said, " nothing will happen. '' I asked if I could receive a refund because I didn't feel comfortable being in a class with children. I told him that I was under the impression that I would be in a class with other adults. XXXX said that they didn't have any adults-only classes at that time, but he would inform me once the adult classes start. Then he told me that if they weren't able to start the adults-only session, he would work something out with me. I left the facility with no refund. 

XXXX never followed up with me about adults-only classes ; however, I received a notification in XX/XX/XXXX that my account had been sent to collections. When I disputed the debt, the response I received from First Credit Services XXXX XXXX was the document I signed ( without the full contract ) along with a balance statement. There are several issues with the account : XXXX. I signed the document after fraudulent statements were made by " XXXX XXXX. '' He told me I was enrolling into adults-only classes, and after signing the document and arriving to my supposed XXXX  class, he told me that there were no adults-only classes available. This is a clear violation of my consumer rights because I signed the document under deception. Had I known there were no adults-only classes available, I wouldn't have enrolled or signed the document. 

XXXX. I never received the services I paid for. The XXXX installments that I paid were never refunded, and I was never informed about any adults-only classes. The rest of the installments will remain unpaid ; in the interest of my consumer rights, I am not obligated to pay for anything that I have not received. 

XXXX. I never received the full contract. XXXX said that I would receive a copy in the mail because they had a policy to confirm receipt of all contracts. XXXX said the contract would be sent via certified mail for me to sign for it. I never received any mail from XXXX or XXXX XXXX XXXX XXXX XXXX. 

XXXX. First Credit Services XXXX XXXX never sent the full contract either. They only sent the document I signed for the payment information. If they are using this document to validate the debt with credit bureaus in order for the account to remain on my credit report, I should be entitled to receive a copy of the contract in its entirety. 

This is not my debt. I never received any services from XXXX XXXX XXXX - XXXX and I was deceived into enrolling into a program that did not have the service I was looking for. Deception is a dishonest business practice, and my consumer rights have been violated. I am requesting that the account be removed from all credit reports.

Company response to consumer: Closed with explanation