2026 data Public-data reference. official source

I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid

1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

1 consumer complaints filed with the CFPB

This profile shows I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid's complaint history from CFPB public records. 1 consumers have filed complaints since Ther. The company has a 0% timely response rate and has provided relief in 0% of cases.

1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Ther
Since

Total complaints

1

Filed since Ther

Timely response

0%

CFPB-tracked response window

Relief rate

0%

Closed with monetary or non-monetary relief

Timely response rate 0.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.0%
Industry median

Share closed with monetary or non-monetary relief.

I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid complaint mix by product

Total complaints: 1

I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). and I: 1 complaints (100.0%), resolution 0.0% and I 100.0%
  • and I 1 100.0% 0% relief

How I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency 1

Top States

State Complaints
but how am I getting dinged on my credit report when this has absolutely nothing to do with my credit?,,Optima Recovery Services LLC.,TN,377XX,,Consent provided,Web,2019-04-15,Closed with non-monetary relief,Yes,N/A,3207595 1

Top Issues

Issue Complaints
and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid

I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Ther, and the most recent logged activity is There is a, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency", and the single most common underlying issue is "and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid have?

I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.

Does I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid respond to complaints on time?

I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid has a 0% timely response rate to CFPB complaints.

What is the most common complaint about I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid?

The most common issue reported against I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid is "and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX" in the "and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency" product category.

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