CFPB Complaint

First Credit Services Inc. – CFPB Complaint 2017-08-28

Consumer Complaint Submission

Date Received: 2017-08-28

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n’t find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n’t know that at the time and did n’t make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n’t have a copy of that letter. I hope you can help.
Thank you.

Company: First Credit Services Inc.

State/Zip: SC 296XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

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Complaint ID: 2652018

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