Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I attempted to cancel my month-to-month membership with XXXX XXXX in XXXX, California. I first attempted to cancel in person. I drove to the gym during what I believed were staffed hours, but no staff members were present, and I was unable to speak with anyone who could assist me. I then called the gym. During one call, I was told that the employee who answered could not cancel my membership and that only a XXXX had the authority to do so. I called again and left a voicemail for the XXXX requesting cancellation of my membership. In that voicemail, I explained that I had already attempted to visit the gym in person without success and asked for a return call so I could complete the cancellation process. I never received a callback. My membership remained active, and the gym continued charging my debit card. Because my repeated attempts to cancel were unsuccessful and I could not reach anyone with authority to process the cancellation, the only way I was able to stop further charges was by replacing my debit card. Around XX/XX/XXXX, I received phone calls from XXXX XXXX, which is XXXX XXXX 's billing provider. At that time, I believed my membership had already been canceled because the agreement was month-to-month and I had made multiple good-faith attempts to cancel. Frustrated by the gym 's failure to respond to my cancellation requests, I did not return those calls. Around XX/XX/XXXX, after filing my taxes, I reviewed my credit reports and discovered a derogatory collection account associated with this matter. The account appears on my TransUnion credit report and is being reported by XXXX XXXX XXXX XXXX. After discovering the collection account, I attempted to contact XXXX XXXX to obtain information regarding the account history and cancellation records. XXXX XXXX was able to locate an account associated with my phone number, but I was unable to complete their identity verification process because the ZIP code associated with the account did not match any ZIP code known to me. As a result, I was unable to obtain records, account history, or information regarding how the account progressed to collections. I was never aware that XXXX XXXX considered the account active, never knowingly agreed to continue the membership, and never received any notice that a balance was being pursued or that the account had been placed into collections. The first time I became aware of any alleged debt was when I discovered the collection account on my XXXX credit report. I disputed the account with XXXX. However, the dispute process did not appear to address the underlying issue of my repeated attempts to cancel the membership and the gym 's failure to provide a reasonable means to complete that cancellation. I am requesting an investigation into how this account progressed from multiple cancellation attempts in XX/XX/XXXX to a collection account. I am also requesting documentation supporting the validity of the alleged debt, the original creditor, the cancellation policy, the account history, and the reporting of this collection account.

Company response to consumer: Closed with explanation