Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: DC

Complaint narrative:
Re : Complaint Against Aldous & Associates for Attempting to Collect a Disputed Gym Membership Debt To Whom It May Concern, I am submitting this complaint regarding Aldous & Associates attempts to collect and report a disputed debt arising from a XXXX XXXX membership that I had previously attempted to cancel before the disputed charges accrued. The collection account is currently being reported as follows : Original Creditor : XXXX XXXX Collection Agency : Aldous & Associates Collection Account # : XXXX Reported Balance : {$250.00} -- - # # BACKGROUND AND CANCELLATION REQUEST On XX/XX/XXXX, after relocating outside of the United States, I sent written notice requesting cancellation of my XXXX XXXX membership. In my written email request, I clearly stated : I am no longer living in the XXXX. Please send me cancellation form. I specifically requested the cancellation form necessary to properly terminate the membership. This request was made in good faith and clearly communicated my intent to cancel the membership because I was no longer residing in the United States and could no longer use the facility. -- - # # NO RESPONSE FROM XXXX XXXX XXXX XXXX XXXX Neither XXXX XXXX nor XXXX XXXX XXXX responded to my cancellation request. I did not receive : * the requested cancellation form * confirmation of cancellation * notice of additional required steps * any response at all Despite my documented cancellation request, the account continued to be billed for additional months. -- - # # INVALID CREDIT CARD / CONTINUED BILLING On XX/XX/XXXX, I received an overdue billing notice stating that the reason for nonpayment was : INVALID CREDIT CARD This occurred because I had already relocated internationally and no longer had access to the prior payment card associated with the account. The issue was therefore not intentional refusal to pay a valid ongoing membership obligation, but rather failure by XXXX XXXX / XXXX XXXX XXXX to process my cancellation request while continuing to bill an inactive card after I had moved abroad. -- - # # DISPUTED DEBT AND COLLECTION REPORTING I dispute the validity of any charges assessed after my cancellation request dated XX/XX/XXXX. Because the underlying balance itself is disputed, I also dispute Aldous & Associates continued attempts to collect and report this account as a valid debt. To my knowledge : * no proof has been provided that my cancellation request was ever answered * no proof has been provided that the required cancellation form was sent to me * no proof has been provided that I agreed to continue the membership after requesting cancellation * no proof has been provided validating the post-cancellation charges Despite these unresolved disputes, Aldous & Associates has continued reporting this account to the credit bureaus, negatively affecting my credit profile. -- - # # FCRA / FDCPA CONCERNS I believe this collection activity raises concerns under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including concerns related to : * collection of disputed charges * reporting potentially inaccurate information * failure to adequately validate disputed post-cancellation charges * potential inaccurate reporting of the true delinquency timeline Continued billing after a documented cancellation request should not be used to improperly extend or re-age the account for collection or credit reporting purposes. -- - # # REQUESTED RESOLUTION I respectfully request that the CFPB investigate this matter and assist in obtaining the following resolution : 1. Withdrawal of the collection account by Aldous & Associates 2. Deletion of all related negative credit reporting from XXXX XXXX, and XXXX 3. Confirmation that no remaining balance is owed 4. Confirmation that the account will not be resold, reassigned, or re-reported in the future I am attaching supporting documentation, including : * my XX/XX/XXXX cancellation request * the XX/XX/XXXX overdue notice showing INVALID CREDIT CARD * related collection reporting records Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation