Consumer complaint received 2026-04-07 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: WI

Complaint narrative:
I canceled my membership in person per XXXX policy on XX/XX/XXXX. I asked for verification of the cancellation for my records and the person at the front desk said I would get a cancellation confirmation email by the end of the day. I never received that email. Since XXXX requires a XXXX day notice for membership cancellations, the last monthly fee I should have been responsible for wouldve been on XX/XX/XXXX ; which I paid on time. Despite cancelling my membership, I was charged the monthly membership fee of {$18.00} on XX/XX/XXXX. I discovered this charge on XX/XX/XXXX. At this time, I called XXXX and the front desk employee told me to email the manager explaining the situation. I followed their instructions and sent an email to XXXX. After receiving no reply within a week, I called the gym again to speak to the manager this time. The front desk employee told me the manager was unavailable but assured me they took care of the issue, and I would get a refund for the XX/XX/XXXX membership charge within XXXX business days. I never received this refund and was charged another monthly membership fee of {$18.00} on XX/XX/XXXX. I was never able to speak to a manager even though I had requested it multiple times. I kept receiving emails/calls that my account had a past due balance, but that is invalid because I have my credit card statement that shows I paid on time every single month. Since I was unable to get in contact with anyone to resolve the issue and they failed to honor my membership cancellation, I placed a block on XXXX with my credit card company. I also disputed the charges for XXXX and XXXX with my credit card company and they provided me reimbursement since XXXX was unwilling to resolve the issue. I left a XXXX review on this XXXX location explaining the issue I was having. Someone who identified as the owner replied to my review and gave me a different email address to contact for help resolving this. I then sent all the information to XXXX per the instructions of that reply on XX/XX/XXXX. I never got a reply from this email address or any others I tried contacting. I was never able to get in contact with the manager either. I kept receiving emails and phone calls from XXXX saying my membership payment declined for a XXXX consecutive month since I had no other option but to block charges at that point. On XX/XX/XXXX I received a text message from First Credit Services Debt Collecting Agency stating I owe Crunch {$130.00}. I have proof of payments. I have proof that I was at XXXX fitness for a total of XXXX minutes on XX/XX/XXXX to cancel my membership in person. The amount XXXX has sent me to collections for is invalid. I do not owe them any money at this point since I paid the last membership fee I was responsible for according to the cancellation policy on XX/XX/XXXX. This has been a stressful and highly disappointing experience. Upon reading similar XXXX reviews, I see I am not the only person XXXX has done this to. It needs to be addressed and stopped. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation