Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I signed up with XXXX XXXX XXXX in XXXX XXXX, NJ near my home ( XXXX XXXX ), due to being a XXXX XXXX for the City of XXXX XXXX, this location was convenient for me. 

I signed up with the XXXX XXXX in a contractual agreement for a monthly payment of {$31.00} during the pandemic. The contract was very specific indicating that : { If the XXXX 's facility is closed for a period longer than 30 days through no fault of the Member, the Member is entitled to either extend the contract for a period equal to that during which the facility is closed or to receive a prorated refund of the amount paid by the Member under the contract. } This particular location was officially closed for good on XX/XX/XXXX without prior notice to its members. 

The company never reached out as stated in the contractual agreement via phone, text, email, nor US mail that I agreed to receive if major changes was to effect this agreement. 

Payments were successfully deducted from my account from the initial date of entry up until XX/XX/XXXX through XX/XX/XXXX. 

Within this time, I have been making every attempt to speak with someone to honor the contract agreement and refund or prorate my payments as stated in the contact since the facility did in fact close and never re-opened. No one seem to have an explanation to their own contract. 

Therefore, I removed my debit card before the payment of XX/XX/XXXX and continued to reach out to the staff along with XXXX XXXX XXXX but unfortunately they was not able to address my complaints. 

I signed an agreement for this location in XXXX XXXX New Jersey. Due to no fault of my own, this fitness facility currently remains closed. Prorated benefits are issuances of less than a full month 's benefits. At no time after closure, did I receive any prorated benefits as stated within the contractual agreement? 

Each credit card statement ( see attachments ) reflects the full monthly benefits even after the gym was closed, never to reopen, they continuously removed funds from my account. Also I have a unjustified negative collection on my XXXX  credit report from [ First Credit Services ] assaulting my once stellar credit profile for the amount of {$140.00} which is inaccurate if the policy within the agreement was honored to prorate payment after closure. 

According to the XXXX XXXX XXXX, there are unique cases with this company, XXXX XXXX, however, whats very unusual is the amounts individuals are complaining about is roughly the exact amounts of {$150.00} during the Covid-19 Pandemic as if this company was illegally pulling funds in the same amounts to survive. Along with another inaccuracy listed throughout the entire contract. The address of XXXX XXXX  as listed throughout the contract XXXX XXXX XXXX XXXX XXXX, NJ XXXX as their primary location address. But this is NOT their actual address, That address is XXXX XXXX address. So how can anyone successfully send a notice of cancellation?

Company response to consumer: Closed with explanation