National Acceptance Company

February 20, Thank you for your correspondence regarding the complaint filed by the above-referenced consumerNational Acceptance Company (NAC) is a third-party billing service provider, serving health clubs and promotional programs throughout the continental United States.In response to your inquiry, please note that [redacted] ***'s initial cancellation request to NAC was postmarked 10/07/Enclosed within this email is a copy of his cancellation request, along with a copy of his membership agreement (please note that billing information is covered for security purposes)Please note also, that the signed agreement requires a day written notice in order to cancel the membershipIn addition, you are able to see that within the member’s cancellation letter, [redacted] specifically instructs NAC to immediately stop auto drafting his bank accountPer federal regulations, the consumer must remain in complete control of their banking informationAs such, when NAC, as a 3rd party billing company, receives direct instructions from a consumer to stop billing their bank account, we are required by law to immediately cease billing to the accountAs [redacted] ***’s cancellation request was postmarked 10/07/14, and his monthly membership dues payable on the of each month, his final draft was scheduled for 1/01/When NAC received this member’s correspondence, we immediately ceased billing (per instructions within member letter) and set the account for cancellation after the required day notice was paid.It is the policy of NAC as requested by the contract holder to mail the member notices prior to forwarding the member account to a collection agencyWithin these notices, it is requested that the member either mail payment, or contact NAC’s customer care department to schedule any overlooked or past due payments [redacted] received a day, day, and a day late noticeNAC received no returned mail, nor did we receive any communication from [redacted] inquiring as to the status of his cancellation or in response to mailed late noticesIt is our hope that this response will help to rectify this situationAt this time, the member account has been forwarded to [redacted] (***), and the member would need to rectify their account balance directly with this agency [redacted] may be reached toll free at ###-###-####If you have further questions or concerns, please don’t hesitate to contact our office at ###-###-#### or ###-###-####Thank you for your time and attention to this matterWarm Regards, Aaron H Vice President

We have received your correspondence regarding a complaint filed by [redacted] National Acceptance Company (NAC) is a third party billing service provider that is contracted by [redacted] Brazilian Jui-Jitsu to process the monthly membership feesIn response to your inquiry, Mr [redacted] signed a six (6) month contract with [redacted] on February 9, Per the terms of the agreement, [redacted] is responsible for cancelling any billing agreements submitted to NACAs of this date, NAC has not received notification of Mr [redacted] properly cancelling and explained this to Mr [redacted] when he called our office on June 17, 2015.Please let us know if there is additional information that would help with your investigationWarm Regards, Aaron H***President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
I did receive a packet in when I signed on to the gym It was explained to me at the time that the membership was one year and then it was month to month thereafter They gave no impression that the month-to-month was through a third party, but would be through *** ***, the defunct gym In addition to this lack of explanation, I received NO Correspondence from neither NAC nor *** *** nor *** *** that any such contracts from NAC would be carrying over to The *** *** For me to be satisfied with their bogus response, they need to produce proof to me that they corresponded with anyone (including me) who was a member of *** *** as to the continuation of this said "contract" after the *** *** gym closed Believe me, I am positive I am not the only one who feels like NAC are crooks
Regards,
*** ***

Dear *** ***,Thank you for your correspondence regarding the complaint filed by the above-referenced consumerNational Acceptance Company (NAC) is a third-party billing service provider, serving health clubs and promotional programs throughout the continental United StatesIn response to your inquiry, please note that NAC was informed by the previous owners, and new owners that all members were properly notified of the transfer and new ownership allowed under Tennessee state lawIt is the responsibility of the facility to notify their members of such changes, as their state law allowsThe letter from *** *** stated, "During the month of April, *** *** ***was closedBy Tennessee state law the membership contracts were transferred to *** *** *** located here in ***Everything was done legallyNotice was given to the members and explainedThe *** *** contracts contain wording which allowed this to take placeNAC needs to continue collecting on the contracts as if nothing has happenThe only difference from 5/1/forward is the *** *** percentage of collections needs to be paid to *** *** *** The members have been taken care ofThere will not be a pool, racquetball courts or group aerobic classes at *** ***, but the contracts and state law allows for these changes.” After receiving this letter, NAC had continued billing as requested by the agreement terms, with the understanding that all members were notified by the owner of *** ***.Furthermore, the packet from Platinum Fitness Promotions that *** *** is referring to in her complaint includes all of NAC’s informationThe promotion packet lets the members know we are a third party billing company, and gives them all info in order to contact NACWhen *** *** closed, *** *** not only had NAC's number on each monthly billing to contact us and question the situation, but also had a packet full of information from *** explaining that NAC is a third party, as well as contact information for NAC, but *** *** did not reach out to us until September of At that time when *** *** finally made an attempted to reach out to NAC, we explained all contracted terms to her and helped her get the account cancelledAt this time *** ***'s account has been cancelled, but due to the agreement terms she signed, NAC is unable to refund any payments to the member.It is our hope that this will help to rectify this situationIf you have any further questions or concerns, please don't hesitate to contact our office at ###-###-#### or ###-###-####.Thank you for your time and attention to this matter.Warm Regards,Aaron H

Second Response

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
I made it clear when I called in that the gym had failed to provide accurate billing history with them. I called back in April of this year to the gym to request that my membership be canceled. This can be verified though my phone records, and since they want to play hard ball, once I provide proof of my phone records, I want the debt prorated to the exact amount of days I trained there. Having a contract means nothing. If I want to end the contract prematurely, then I can only be subject to an early termination fee. My last day at the gym was Thursday, April 2, 2015
Regards,
[redacted]

We have received your correspondence regarding a complaint filed by [redacted]. National Acceptance Company (NAC) is a third party billing service provider that is contracted by [redacted] Brazilian Jui-Jitsu to process the monthly membership fees.In response to your inquiry, Mr. [redacted]...

signed a six (6) month contract with [redacted] on February 9, 2015. Per the terms of the agreement, [redacted] is responsible for cancelling any billing agreements submitted to NAC. As of this date, NAC has not received notification of Mr. [redacted] properly cancelling and explained this to Mr. [redacted] when he called our office on June 17, 2015.Please let us know if there is additional information that would help with your investigation.Warm Regards,Aaron H[redacted]President

February 20, 2015
Thank you for your correspondence regarding the complaint filed by the above-referenced consumer. National Acceptance Company (NAC) is a third-party billing service provider, serving health clubs and promotional programs throughout the continental United...

States.In response to your inquiry, please note that [redacted]'s initial cancellation request to NAC was postmarked 10/07/14. Enclosed within this email is a copy of his cancellation request, along with a copy of his membership agreement (please note that billing information is covered for security purposes). Please note also, that the signed agreement requires a 30 day written notice in order to cancel the membership. In addition, you are able to see that within the member’s cancellation letter, [redacted] specifically instructs NAC to immediately stop auto drafting his bank account. Per federal regulations, the consumer must remain in complete control of their banking information. As such, when NAC, as a 3rd party billing company, receives direct instructions from a consumer to stop billing their bank account, we are required by law to immediately cease billing to the account.
As [redacted]’s cancellation request was postmarked 10/07/14, and his monthly membership dues payable on the 15 of each month, his final draft was scheduled for 1 1/01/14. When NAC received this member’s correspondence, we immediately ceased billing (per instructions within member letter) and set the account for cancellation after the required 30 day notice was paid.It is the policy of NAC as requested by the contract holder to mail the member 3 notices prior to forwarding the member account to a collection agency. Within these notices, it is requested that the member either mail payment, or contact NAC’s customer care department to schedule any overlooked or past due payments. [redacted] received a 30 day, 45 day, and a 60 day late notice. NAC received no returned mail, nor did we receive any communication from [redacted] inquiring as to the status of his cancellation or in response to mailed late notices.
It is our hope that this response will help to rectify this situation. At this time, the member account has been forwarded to [redacted] ([redacted]), and the member would need to rectify their account balance directly with this agency. [redacted] may be reached toll free at ###-###-####. If you have further questions or concerns, please don’t hesitate to contact our office at ###-###-#### or ###-###-####. Thank you for your time and attention to this matter.
Warm Regards,
Aaron H
Vice President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
I chose to "reject" the response because I will never be satisfied with the way they have chosen to handle this matter.  I stated previously that I did not receive any correspondence from [redacted] regarding continuation of the contracts, and I never received correspondence from NAC regarding continuation of contracts.  In fact, I have noticed there are other complaints for the same company (NAC) which state that when contracts are transferred to a new gym with considerably less amenities the contract is no longer valid (such is the case here).
It is plain that NAC considers the case closed and will not honor my request.  And that is fine.  Congratulations, NAC, on receiving my money which you did nothing earn...it's now the American way.  I require no further correspondence from NAC or Revdex.com, but there was no way that I was going on record and say that I "accept" this response.
Regards,
[redacted]

Dear [redacted],Thank you for your correspondence regarding the complaint filed by the above-referenced consumer. National Acceptance Company (NAC) is a third-party billing service provider, serving health clubs and promotional programs throughout the continental United States.In...

response to your inquiry, please note that [redacted]'s initial correspondence to NAC was on 09/17/14 to question cancellation. [redacted] signed an agreement with [redacted] ([redacted]) in May of 2012 for a 1 year membership with auto renewal. At that time, the member, [redacted], received a packet from [redacted] with all terms for the agreement. The packet informed the member that [redacted] was running their promotion through the facility, [redacted], and stated if the facility were to close for any reason, contracts may be transferred to a similar facility within 30 days of the original facility's closing date.NAC received a letter from [redacted] stating, “During the month of April, [redacted], Inc. was closed. By Tennessee state law the membership contracts were transferred to [redacted]. located here in [redacted], Everything was done legally. Notice was given to the members and explained. The [redacted] contracts contain wording which allowed this to take place. NAC needs to continue collecting on the contracts as if nothing has happen. The only difference from 5/1/13 forward is the [redacted] percentage of collections needs to be paid to [redacted]. The members have been taken care of. There will not be a pool, racquetball courts or group aerobic classes at [redacted] but the contracts and state law allows for these changes." After receiving this letter, NAC had continued billing as requested by the agreement terms.All of this was explained to [redacted] when she contacted NAC in September of 2014, and at that time the member was instructed that in order to cancel by the agreement terms, her account must be up to date and a 30 day notice via certified mail must be sent to NAC in order to properly cancel the agreement. NAC did receive a letter from [redacted] postmarked dated 09/17/14 for her 30 day notice, making 10/05/14 the final payment due for the membership, and at this time [redacted]'s account has been cancelled.
In regards to [redacted] being out of business, NAC has been informed that they are no longer creating and running new promotions, but will continue to honor existing contracts until the members properly cancel. Therefore, NAC has honored their request to continue billing these active agreements signed by members until they follow through on proper cancellation.
It is our hope that this will help to rectify this situation. If you have any further questions or concerns, please don't hesitate to contact our office at ###-###-#### or ###-###-####.Thank you for your time and attention to this matter,Warm Regards,
Aaron HPresident National Acceptance Company

We have received your correspondence regarding a complaint filed by [redacted]. National Acceptance Company (NAC) is a third party billing service provider that is contracted by [redacted] Brazilian Jui-Jitsu to process the monthly membership fees.
In response to your inquiry,...

Mr. [redacted] signed a six (6) month contract with [redacted] on February 9, 2015. Per the terms of the agreement, [redacted] is responsible for cancelling any billing agreements submitted to NAC. As of this date, NAC has not received notification of Mr. [redacted] properly cancelling and explained this to Mr. [redacted] when he called our office on June 17, 2015.Please let us know if there is additional information that would help with your investigation.
Warm Regards,
Aaron H[redacted]President

Review: My wife had a gym membership with [redacted] in [redacted], TN. She joined under a company called [redacted]. We discovered in the middle of April that the gym does not exist anymore. We received no written notice, email, or even a courtesy phone call about the gym closing. Then on May 8th, my credit card was charged another $39.00. That's the only way I knew something was wrong.

I called the NAC Billing company several times and it took until today and [redacted] of [redacted]'s assistance to learn that the gym closed and reopened under the name [redacted] on [redacted] in [redacted], TN.

This is unacceptable and is a violation of the contract. This [redacted] did move within the 15 mile radius, but it does not offer the anything close to the same services as [redacted]. My wife joined [redacted] for the pool, classes, and the day care service for my young daughter. This new gym has none of these features.

The rep at NAC Billing refused to cancel my account and would ONLY do so with a written notification from [redacted]. Except, this company is out of business. Website does not exist, email NAC provided does not exist and kicked back to me. Phone has a voice mail that has been called and no one has ever called back.

I have also filed a claim against [redacted].Desired Settlement: I am looking for a refund of my $78.00 for April and May charges. I also want NAC to stop billing me for future months.

Business

Response:

Please see attached response.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: This company was affiliated with billing for a gym that closed in 2013 and is now completely demolished. Furthermore, the company for which they were billing was in fact a THIRD PARTY (not even the actual gym) but a company called [redacted] who is also out of business according to Revdex.com. I was not aware that I had to give thirty day notice to the BANK!!!! when both of the fitness providers were OUT OF BUSINESS! This is totally unethical. They have been charging me for a service that I cannot even use due to reasons beyond my control.Desired Settlement: I want a FULL refund of the $34 per month that has been charged my bank card from May 6, 2013 (date of closing of gym) until Oct 5, 2014 which they CLAIM is the last possible bill I will receive from them after my "thirty day cancellation letter" is sent.

Business

Response:

Dear [redacted],Thank you for your correspondence regarding the complaint filed by the above-referenced consumer. National Acceptance Company (NAC) is a third-party billing service provider, serving health clubs and promotional programs throughout the continental United States.In response to your inquiry, please note that [redacted]'s initial correspondence to NAC was on 09/17/14 to question cancellation. [redacted] signed an agreement with [redacted]) in May of 2012 for a 1 year membership with auto renewal. At that time, the member, [redacted], received a packet from [redacted] with all terms for the agreement. The packet informed the member that [redacted] was running their promotion through the facility, [redacted], and stated if the facility were to close for any reason, contracts may be transferred to a similar facility within 30 days of the original facility's closing date.NAC received a letter from [redacted] stating, “During the month of April, [redacted], Inc. was closed. By Tennessee state law the membership contracts were transferred to [redacted]. located here in [redacted], Everything was done legally. Notice was given to the members and explained. The [redacted] contracts contain wording which allowed this to take place. NAC needs to continue collecting on the contracts as if nothing has happen. The only difference from 5/1/13 forward is the [redacted] percentage of collections needs to be paid to [redacted]. The members have been taken care of. There will not be a pool, racquetball courts or group aerobic classes at [redacted] but the contracts and state law allows for these changes." After receiving this letter, NAC had continued billing as requested by the agreement terms.All of this was explained to [redacted] when she contacted NAC in September of 2014, and at that time the member was instructed that in order to cancel by the agreement terms, her account must be up to date and a 30 day notice via certified mail must be sent to NAC in order to properly cancel the agreement. NAC did receive a letter from [redacted] postmarked dated 09/17/14 for her 30 day notice, making 10/05/14 the final payment due for the membership, and at this time [redacted]'s account has been cancelled.In regards to [redacted] being out of business, NAC has been informed that they are no longer creating and running new promotions, but will continue to honor existing contracts until the members properly cancel. Therefore, NAC has honored their request to continue billing these active agreements signed by members until they follow through on proper cancellation.It is our hope that this will help to rectify this situation. If you have any further questions or concerns, please don't hesitate to contact our office at ###-###-#### or ###-###-####.Thank you for your time and attention to this matter,Warm Regards,Aaron HPresident National Acceptance Company

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: