Complaint Review: ASF International ASF Financial

I signed up with Knuckle Up Fitness in Kennesaw, GA in late December 2006. I was told that my 1st debit would be in January for $39 and each month for that same amount. The billing companay would be Duvera Financial, even though the contract they had me sign said ASF International. They said they had just recently switched billing companies and hadn't got new applications printed up. I paid that amount each month until July 2007 when I moved over 50 miles from the nearest gym. I cancelled my account with Duvera Financial but after multiple requests, they would never send me proof that my account had been closed. However, my account stopped being debited so I assumed all was good.

I get a call in December 2007 from ASF International stating that my account was past due. I told them that it was impossible because a) billing wasn't performed through them and b) that I had already cancelled my account 4 months before that and hadn't been charged since. They informed me that they had taken over billing for Knuckle Up and that Duvera has transferred all billing information to them. I told that was all fine and good but that my account had already been cancelled. They stated that they showed no record of that OR that I had ever paid ANYTHING on my account.

I told that them that was untrue and that I had proof that my account had been debited each month (via bank statements). They didn't seem to care about that information or the fact that I had already cancelled my account. They were only concerened with the fact that their system showed I owed them money and they would not help me and were very rude and unsympathetic. They said they would cancel my account if I provided them with the same information I provided Duvera (copy of bills with new address). I did that and sent certified letters to ASF, Duvera & Knuckle Up Corporate.

I didn't hear anything for a month and then received a letter stating that my reason stated for canceling has been declined and that they needed a copy of my new drivers license. That they could not even help me until I proved to them that I did in fact move. They would keep charging my account AND late fees on the amounts that I had ALREADY paid (but they didn't show record of) until I gave them that information.

So, in March 2008 I mailed them a letter stating that they were on the verge of harassment because they continued to disregard my information. I included with that letter a copy of my drivers license, a copy of each bank statement showing the deduction and a letter (that I was FINALLY able to obtain after much pleading, they were helpful when they didn't have to be) from Duvera stating that my account had been closed in July 2007 and returned to Knuckle Up on 11/06/07. I have no clue what returned to Knuckle Up means nor do I care because it clearly stating that MY ACCOUNT HAD BEEN CLOSED in July 2007.

Well, today I receive a call from a collection agency on behalf of ASF & Knuckle Up trying to collect over $1000 from me. ASF not only turned it over, they still didn't reflect the correct information on my account that I did in fact pay for 7 months until I cancelled my account.

ASF does not care AT ALL. They are a scam company who only try to ruin people's credit. I'm sure there are plenty of people out there who are legitimitely default on their contracts and I understand going after those people. But when you have someone who dealt with an entirely different company for billing and cancellation and then 4 months later get a call from another company who won't even consider that the information they received from the other companay could be incorrect, listen to your claims or process any requests...I can't believe they are even still in business or that ANY reputable company would utilize their services.

I'm in a revolving door because they say they can't cancel my account until it is current but I can't pay it because I've already paid some and I don't owe the other so they won't even listen to my claims b/c my account shows past due. There is no way I would pay this amount and try to recover my money later, I would never see it again and would have paid money that wasn't owed at ALL!!!

I don't know what to do. Is there anyone out there who can help me legally? I would be willing to pay a [small] fee, of course. I'm just at the end of my rope and no one will help me. I have all the documentation that I have mailed and have mailed it all certified so I could prove delivery.

Thanks in advance for any help / advice I can get.

Dede
Kennesaw, Georgia
U.S.A.