Quick Answer: A consumer filed a CFPB complaint against Genesys National Recovery for attempting to collect a gym debt that was already resolved after a 3-year contract dispute. The debt collector repeatedly harassed the consumer despite receiving proof the contract was fulfilled, with the final call fraudulently claiming to be from the Department of Justice.
Date Received: 2018-11-26T00:00:00.000
Product: Other debt
Issue: Attempts to collect debt not owed
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Consumer Complaint: I signed a contract with XXXX XXXX XXXX on XX/XX/XXXX. The contract was for 36 months and it was checked with a NON-RENEWAL AGREEMENT. After the 3 years, in XX/XX/XXXX, I was done with the gym and thought that was the end of it. But XXXX XXXX XXXX wanted to keep charging me alleging that it was a 48 month contract. After sending evidence proving them wrong they stopped calling to harrass me. But 2 years later, in XXXX, I got harassing calls from Genesys Recovery debt collector. I explained to them that they were mistaken and that my case had been resolved and that I paid my 3 years as stated in the contract. But they kept on harassing me over the phone and never gave me written notifications that I demanded from them so that I could see what prove they had that I owed XXXX XXXX XXXX any money. They stopped calling again after I sent a copy of my contract, again, to XXXX XXXX XXXX. On XXXX I began to get calls, once again, from Genesys Recovery employees. The last call I got was on XX/XX/XXXX, it was from a men stating that he was and employee from the Department Of Justice saying that I had been sued by Genesys Recovery for breach of contract. It was very strange that this person called me on a Saturday from a cellphone and didn’t give me his name. I thought to myself that this wasn’t the correct procedure to inform a lawsuit. When the men asked me my postal address I hanged up because it became obvious it was a scam. I called the Department of Justice on XX/XX/XXXX to inform them of this situation, that someone was impersonating a public government employee and they also verified that it was all lie and that there wasnt any lawsuit against me. The lady told me a government official would never call anyone to inform a lawsuit. I hope others can benefit from my experience and that the CFPB can help in this matter.
Company: Genesys National Recovery, Inc.
State/Zip: PR 00976
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3083281
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
