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: Jim Bottin Enterprises, Inc
State: DC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding improper billing practices, failure to process a cancellation request, and inaccurate collection reporting related to a XXXX XXXX membership administered by XXXX XXXX XXXX and later placed into collections with XXXX XXXX XXXX. -- - # # BACKGROUND I was a member of XXXX XXXX XXXX XXXX XXXX under an agreement administered by XXXX XXXX XXXX. On XX/XX/XXXX, after relocating outside of the United States, I sent written notice requesting cancellation of my membership. In my email, I clearly stated : I am no longer living in the XXXX. Please send me cancellation form. I made this request in good faith and specifically requested the required cancellation form in order to properly complete the cancellation process. -- - # # FAILURE TO RESPOND TO CANCELLATION REQUEST 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 whatsoever to my request Despite receiving notice that I was no longer living in the United States and was requesting cancellation, the account continued to be billed for additional months. -- - # # CONTINUED BILLING AND INVALID CARD NOTICE On XX/XX/XXXX, I received another billing notice stating that my account was overdue. That notice specifically stated : Reason for Notice : INVALID CREDIT CARD This is important because I had already relocated internationally and no longer had access to the credit card previously associated with the account. The issue was therefore not continued use of the gym membership or intentional refusal to pay, but rather failure to process my cancellation request while continuing to bill a payment method that was no longer active. -- - # # DISPUTED CHARGES AND COLLECTION REPORTING I dispute the validity of any charges assessed after my XX/XX/XXXX cancellation request. I also dispute the accuracy of the resulting collection account now being reported by XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX failed to : * respond to my cancellation request * provide the requested cancellation form * properly process the cancellation * explain any additional cancellation requirements Despite this, the account was later placed into collections and reported to the credit bureaus. I believe this collection reporting is inaccurate and unfair because the underlying balance itself is disputed and arose from failure to process a documented cancellation request. -- - # # FCRA / REPORTING CONCERNS I am also concerned that the account may be inaccurately reported with respect to the Date of First Delinquency. Continued billing after a documented cancellation request should not be used to improperly extend or re-age the account for credit reporting purposes. I request investigation into whether the account has been accurately reported under the Fair Credit Reporting Act ( FCRA ). -- - # # REQUESTED RESOLUTION I respectfully request that the CFPB investigate this matter and assist in obtaining the following resolution : 1. Review of the cancellation request submitted on XX/XX/XXXX XXXX. Determination that post-cancellation charges were improperly assessed 3. Withdrawal of the collection account placed with XXXX XXXX XXXX 4. Deletion of all negative credit reporting associated with this account from XXXX, XXXX, and XXXX 5. Confirmation that no remaining balance is owed I am attaching supporting documentation, including : * my XX/XX/XXXX cancellation request * the XX/XX/XXXX overdue notice showing INVALID CREDIT CARD * related account and collection records Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation