Consumer complaint received 2019-01-15 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: PA

Complaint narrative:
Myself and my husband opened up gym memberships one day at XXXX XXXX in XXXX PA. ( Now using collections from FIRST CREDIT SERVICES Sometime in about XX/XX/2018. And the girl working was new and nobody else was at the desk with her and she did not know much about the program at all. She didnt even give us a tour. Or give myself an actual membership card to ever even be able to come in and use the gym if I had wanted to. Well this wonderful employee they have working for them didnt even give us anything to read with the terms and conditions of the one year contract she had us sign, ( we didnt know at the time we ever digitally signed/initialed for that apparently ) even though she told us it was month to month, and we didnt know anything else because we were doing it all on her XXXX  and the only things we were able to see was the part where we filled in our information and then put in our credit card and then initials. And then when we received our welcome emails we found out that it was NOT just $ XXXX  month to month and I found out the terms and conditions to get out of the agreement which was that we had to mail them a handwritten letter, asking to terminate the membership and signed with all of our information on it. Which we did. Both of us. We called up to the gym, about a week later, we asked if they received it. They said yes and said it had to be transferred up to another certain office for it to go into effect but THEY DID CONFIRM THAT WE HAD WROTE THE TERMINATION LETTER CORRECTLY AND SENT IT IN ON TIME. ( Neither of us EVER ONCE USED THAT MEMBERSHIP, AND NEVER USED THAT GYM ) because we thought it got canceled. Nobody ever tried to contact us to say that our termination of the membership didnt go through. Nobody ever tried to call and say hey your payments arent going through for the {$20.00} a month. ( Because now we have a bank account instead of just prepaid cards due to the bankruptcy being taken care of ) They have our cell phone numbers on file. They have our email addresses. And our home address. So why wouldnt somebody try to contact us at least ONE TIME before they send us to collections over something we thought was done over with and taken care of MONTHSAGO!!?? And now all of a sudden when were finally fixing our credit they want to charge BOTH OF US {$280.00} each? Why havent they contacted us one time? If they did, and we would have known they never did anything to terminate our memberships, ( even though we did everything we were supposed to ) and they were still gon na charge each of us almost {$300.00} and ruin our credit then we would have actually used the membership and just paid the monthly fee all along. So this is a case of XXXX XXXX NOT DOING THEIR JOBS. And also the membership is supposed to be for a year long. And it hasnt even been a year yet. We signed up in XXXX  of 2018 I believe. I will have to go back and double check. But I dont owe these people anything. I never used their gym. And I sent in my cancellation letter just like the terms and conditions tell you to do. And XXXX XXXX OF XXXX  PA has THREE PHONE NUMBERS, TWO EMAILS, AND AN ADDRESS TO BE ABLE TO CONTACT THE TWO OF US. WE WANT THIS OFF BOTH OF OUR CREDIT REPORTS. And Im calling the XXXX, and then Im calling corporate on the XXXX location. And then Im going to make sure they have the worst reviews in all of this area and theyre going to lose a lot of clientele because I know quite a few people who go there but will stop when they find out my credit score dropped over 30POINTS ALL BECAUSE OF THIS!!! And Im sure this happens to so many people who have their credit messed up all because of LAZY BUSINESS SUCH AS XXXX XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation