Paramount Acceptance

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Don't Sign Up For Golds Gym! Paramount Acceptance Is A Nightmare
Posted by Jbcnielsen on 02/27/2009
SANDY, UTAH -- I signed up with Gold’s Gym after having a baby hoping to lose the baby weight. Like many of us, the option to pay 22.00 per month sounds like steal for the slice of heaven which awaits you, a toned, lean, sexy body. We agree, sign on the dotted line, happily and stupidly hand over our account numbers. The months go by and finally the day comes when the contract is fulfilled and the reality you will never be that 18 yr old, size 00, perfectly made up, woman on the treadmill happily sprinting along. You are free.... Ha ha ha or so you thought... Let me tell you about the nightmare I am living. September 2008- send in a letter to the Holladay UT Paramount acceptance corp requesting my contract be cancelled. October comes, another draw from my bank account. Hmmmm, this could be a possible oversight. Give them the benefit of the doubt. Send in the letter via certified mail. Get the confirmation they got it. No guessing now. It will be cancelled. I didn't give it another thought. November is drawn, December is drawn. Call them - they never got it! A certified letter. Huh, those damn postal workers always playing funny jokes, send confirmation postcards back without the company getting the letter???. Tom, the nice representative at Paramount, wiped his ass with the phone and told me to fax in the proof. By this time I was almost certain the folks at Paramount were just buying time till they were called into their real profession of rocket science. I humored myself faxed in the info. Called two hours later - confirmed Barbie at the front desk got my fax. Suspicious it would be used for t.p. I waited for the letter confirming my cancellation. Never got it. Called in again - faxed it straight to the toilet this time- even with Barbie saying it got there.

Got a call from the cult today! I'm delinquent in the amount of $83.00 because my draft for Jan and Feb didn't go through. Barbie needs me to make a payment today and my contract is, yes, still in force. They haven't gotten a cancellation. Bless Barbie's heart. She has no idea the Dukes of Hazard song was playing in my head with images of me driving my car up their asses. She was so violated today. Along with Tom and the supervisor who I left a message for. The supervisor line states "we will get back to you in one business day" -- you just can't hear the disclaimer that follows that with "my ass will attempt to dial the phone. If we can't or don't call you, too bad. We'll just keep ripping you off, taking your money, ignoring your requests". After all we are in a recession I guess they are providing job security for themselves.

--In all seriousness - This Company is unfair, unethical, unorganized and corrupt. I have the proof I sent in the information.

So, Tom, Barbie and the gang. Cheers. Thanks for the inspiration.

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Posted by Soaring Consumer on 2009-02-27:
Those are sleazy practices indeed.

Contact your state's Office of the Attorney General.
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Posted by Jklawler on 05/23/2007
HUNTSVILLE, ALABAMA -- I was a member of LADIES RIVIERA FITNESS whose billing was done by PARAMOUNT ACCEPTANCE. RIVIERA failed to notify me that thier gym would be closing (I was later informed that they knew this before I joined) They lied and told all of thier members that they were moving to a new building, closed the gym and told us that our new building was not complete yet, billed us for 3 months while we waited on the new gym to open. Then we were informed (only if you called and asked) that we were sold to another gym a co-ed, no tanning available, 40 minute drive from my house gym. PARAMOUNT ACCEPTANCE will not let me out of my contract. I've been jumping through thier hoops for the last 3 months (including them giving me the wrong address to send a cancellation letter to, my letter was returned... this took 3 weeks and another billing cycle). The lady from the gym they sold us to said that several women have tried to get thier contracts cancelled, but that PARAMOUNT ACCEPTANCE has not let anyone cancel. Please be warned if you do business with either PARAMOUNT ACCEPTANCE or RIVIERA FITNESS, getting out of a contract (with legitamate reason) is next to impossible.
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Posted by Anonymous on 2007-05-23:
Seems to me that if your gym closed, the contract was already broken. I'd contact your state attorney general's offcie and file a complaint with them there.
Posted by Sarah May on 2007-05-24:
FYI: http://www.my3cents.com/showReview.cgi?id=22375
Posted by Tummygrmbl on 2008-07-06:
I'm having my own nightmare with Paramount Acceptance:
Posted by jessey on 2009-02-20:
I joined a gym too and they sold my account to paramount acceptence , I think they hold the checks you send and charge late fees , because they tried that once before with me and claimed they didnt get the checks i sent, so i went to the bank and got the copys of the checks they had cashed, after they said they didnt get them , there excuse was well we dont know where they were, or why they didnt get posted , must of been sitting on some ones desk,
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Read This!
Posted by GrmRpr on 09/01/2009
UTAH -- Read full article, explains the inner workings of how this all works. You are not the brightest light bulb. I have many different kinds of legal cases come to my desk everyday and every here and then I get one concerning Paramount Acceptance. I have done some digging, as I do not handle these types of cases, and have been given copies of contracts (which I found that the gym writes up not Paramount Acceptance). The following is the correct information on these matters. For updating information such as billing, address, and phone numbers it is the customer's explicit responsibility to update their information and not the job of Paramount Acceptance to babysit each member making sure they are paying the bills that THEY signed up for. On the subject of auto-renewal of the contract, there is a space for a signature that is required for this before signing the bottom, so those who say they are not notified are mistaken as it is right in front of them as they are signing what they don't read.

As far as fees go it is simple, missed payments = fees, and it is your fault for missing a payment, again this company is not here to babysit you. For canceling anytime, there is no such thing with these types of contracts, don't listen to the gym representative who signs you up, they just want their commission, so read the contract thoroughly. If you want an attorney that is great because then they can look over your contract and explain how wrong you are and what a contract means in the legal system. If you would like to contact the B. B.B. (Better Business Bureau) please do so as Paramount Acceptance has a B+ rating and after your report Paramount your complaint willed be followed by a response explaining how Paramount is within the law on all they do.

Nothing shady about any of this, it is all in the contract and it would be completely irresponsible not to read it through. You may argue all you like but if you refuse to abide by the contract the account won't stop at Paramount, it will go to a separate collections agency that doesn't just use the phone to contact you, and eventually it will go to an Attorney and one day you will be at your house, work, or even out shopping and be served a subpoena containing court date. Also it will be sent to the Credit Bureau and they may not even need to notify you of this. Further refusal to pay can result in garnishing of wages and tax returns or a court ordered penalty.

It may not happen quickly but a year or two down the line when it happens after you thought it was over and forgotten it will cause more trouble than if you had just paid in the first place. The legal system may take years but it is effective and never misses a note (or you). Good examples of those having no clue whatsoever are below and have left comments to this entry.
Thanks for reading
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Posted by L_H on 2009-10-14:
Ok first of all let me start by saying that the suggestion that there is nothing you can do and paramount has you in their talons forever is crap. And to suggest that anyone leaving a comment is a moron makes me wonder if a member of paramont actually wrote this not an independent attorney that said.
You are obligated to the auto renew but you can get out of your membership and the renew... here is how:
First request that Paramount stop auto- withdraw on your credit card and have them send you "coupons" where you pay manually every month. Then contact your credit card company and let them know that Paramount is no longer allowed to withdraw on your account, they will ask you to send them a letter in writing to that effect. Or you can simply cancel the credit card that Paramount has on file.
Second, look at your gym contract, most gyms have to comply with state regulations on membership contracts and most states only allow a gym to keep you as a member for up to 36 months, no longer, after that you are not under contract with the gym any more, they are usually obligated by statue to put this information on the first page of their contract along with what a cancellation fee would be. So you can either ride out the 36 months and then send the gym a letter canceling your membership or send them a cancellation letter and pay the cancellation fee. Either way you are only obligated to paramount for the amount of time you are a member of that gym.
Paramount has a BBB rating of a big fat F for the simple reason that they employ shady billing practices, they have also been sued by a former employee (Linder v. Paramount Acceptance
The employee was a collector of delinquent accounts. During her second and third month of employment, the employee was the top collector, but from that point, the employee's relationship with her supervisors deteriorated. A dispute arose over post-dated checks that were mailed in response to the employee's collection efforts. The employee was summarily discharged. The employee had an attorney mail a demand letter regarding unpaid wages, commissions, and bonuses. The employer mailed some unpaid wages and commissions to the employee. The employee filed a complaint that sought actual damages, a penalty under § 41-11-170, and alleged fraud and deceit. The trial court ruled for the employee, and the employer appealed. The court affirmed the trial court. The court held that the employer failed to notify the employee that it disputed her claims and, thus, it was in no position to assert that the employee had to establish a lack of good faith. The type of bonuses given to the employee fell within the meaning of wages. The evidence as to reliance on a representation the employee believed to be true was sufficient to submit the common law fraud action to the jury.)
The reason I mention this case is that the pattern of fraud continues to run ramped over at Paramount. They most recently committed fraud when they charged my credit card without my consent and when I mentioned they need my consent to charge my card they claimed they did not which really made me mad that people too stupid to figure out what they did was illegal might get the best of me so I canceled my card and my gym membership.I would just love for Paramount to pursue this matter because i will take it to court I would happily skip into the court room knowing they will be exposed for the crooks they are.
So you all need to check the dates on you contract and let your gym know you will not renew your membership even if you love your gym unless they use a billing company that does not have a BBB rating of F. They may even work out a payment option for you where you could pay the gym directly my gym offered that to me but I told them not until Paramount is no where to be found.
Posted by Slimjim on 2009-10-14:
Nice response LH. This "Informative" is hardly that and filled with baloney. First off, the poster tries to imply he is some sort of council, and that clearly is not true. There are also laws (an attorney would know about) regarding Deceptive trade practices. To the point, you can't just sell something on false promises and then say later, it was in the contract another way and you should have read it.
I love the BBB part too. Not only would a B+ rating quickly go south if a rash of complaints came flying in, regardless of what a contract says, but evidently the rating is really an "F" in fact.
Nice try GrmRpr, but you have managed IMO to do YOUR firm more harm than good.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Posted by Kentcarlsen on 02/18/2012
SALT LAKE CITY, UTAH -- We signed up for a 3 year membership. We were lied to about the fees involved along with signing us up for a personal trainer. Paramount Acceptance started to take automatic withdrawals out even after we sent 3 certified letters demanding they stop. We had been paid up for over three months, and they still took out fees. We had to change our accounts, then Paramount Acceptance sent us Delinquent account letters and stopped us from going to the gym. We had proven to them we were paid up but were never reimbursed for the overage we paid. DON'T SIGN UP. IF YOU DO, DON'T DO AUTOMATIC PAYMENTS.

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Posted by Alain on 2012-02-20:
If a company demands I give them access to my bank account then I will not do business with them. You might be able to reclaim your money through small claims court, but it will be time consuming. You can also file an official complaint at http://consumerprotection.utah.gov -Go to 'Quick Links' on the left side and the 'File a Complaint' right under it.
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Paramount Acceptance / Awful
Posted by Cul534713 on 12/31/2011
JACKSONVILLE, FLORIDA -- I signed my daughter up for personal training and my bankdraft was taken out automatically for four months. I told my trainer my four month contract was up and I didn't want to continue. He told me to fill out a form online. Looked online and there were no forms, my daughter asked for two weeks for a form by that time it was two weeks after the four months. I faxed it in and they said I had to pay another month because it was two weeks late. I told them I couldn't get a form from the trainer until then. They didn't care. I said I would pay $150 for half and they said no. They call my house weekly and mail me bills. I asked to speak to a manager and they said the contract is the contract, no one would help me. The guy is very rude and told me my contract is still in effect as I have not paid the total due and it will continue to get higher and higher. I have tried calling Bailey's Gym, the Sweat PT, and of course Paramount and all they say is the contract can't be changed. I will never ever use Sweat PT or Paramount again and I will let my friends know as well.
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Poor Practices
Posted by Ginarene2005 on 01/25/2011
I am not a fan. First of all, one of their representatives told me when I originally set up a payment plan for my son's personal training account, that no finance charges or interest would be charged. The following month they began charging me $20/month finance charge.

I just paid the final payment. I asked for a receipt for my debit card payment, and they said they do not have the ability to give receipts. When I pressed them on this issue, they said I could pay $10 for a transaction statement.

Seriously? Ten dollars for a receipt.
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Posted by Tay27 on 01/05/2010
UTAH -- The BBB has ranked Paramount Acceptance as an F

It is an F due to...
Based on BBB files, Paramount Acceptance Corporation has a BBB Rating of F on a scale from A+ to F.
Reasons for this rating include:

* 254 complaints filed against business
* Failure to respond to 3 complaints filed against business.
* 2 complaints filed against business that were not resolved.

Do not get involved with this company! Their customer service is horrible and most of the money that is made is on making customers so frustrated they go ahead and pay the fees. Don't give in!!
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Posted by Anonymous on 2010-01-05:
I don't know anything about this company, but I do know that all an 'F' from the BBB means is that the company refused to pony up membership dues.
Posted by Slimjim on 2010-01-05:
I can't even tell what they do. Who cares about their BBB record. What do they do and subsequently did to you?
Posted by PepperElf on 2010-01-05:
well ranking is about all the BBB can really do
since they have no legal authority
Posted by goduke on 2010-01-05:
So they failed to respond to 3, and 2 the customer wasn't happy with the resolution. The other 98% of the time the resolution was fine.
Posted by Anonymous on 2010-01-05:
Wonder how the BBB rates McDonald's? And yet, they are still a multi-billion dollar business.

OP, people can complain about the amount of ketchup on a burger. That does not a bad company make. heck, people complain if the run in their hose is too long. Fact is, MOST people gripe to have something to gripe about.
Posted by PepperElf on 2010-01-05:
hell kodak pulled out of the BBB network

i don't see them folding up any time soon
Posted by BiggKatt on 2010-05-31:
I paid my account with Paramount Acceptance a year early and explained that I no longer used the gym. I told them I wanted to cancel my membership then. I was told to fax a letter to them and call back in an hour to verify that they had received it. I did just as they said. A year passes and I get a call from them saying I had automatically renewed. I told the lady to look back at my account to see where I had faxed in a cancellation. She told me, yes, it shows here you faxed but we never got a follow up call from you, so your membership is renewed. I told them to whistle for the money. They are pretty dumb, as they continue to call me every month. It's actually turned out very therapeutic for me, as I get to cuss some idiot out every month. They are nothing more than scam artists. And once again, they can whistle for any money from me!!!!!
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Avoid them
Posted by Fenderduck on 06/30/2009
Avoid dealing with any health spa/club/resort etc that utilizes Paramount Acceptance, they are scammers and liars.

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Posted by Soaring Consumer on 2009-06-30:
Would you please elaborate on your situation with this company?
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Only Idiots Work For Paramount
Posted by R-Lo on 10/21/2008
SALT LAKE CITY, UTAH -- I've been back & forth trying to cancel my account through them for almost a year now. First I have to go through my agency, now I have to fax in a letter, next I'm calling them because my account has been charged...More than once! Finding out they/he gave me the wrong account number.Its just a never ending circle. Im back at it again and its been 4 months after I sent 5 letters 1 email and many phone calls.

They have been rude and ignorant to me and my husband.
If anything this company has rip off written all over them. People I know have nothing but bad experiences with them. Always having to ignore there calls because of harassment. And that is not because of unpaid bills. I have paid most my accounts off ,thank god! ,I will never ever go through paramount again!, And yet they still call week after week asking for more. They're blood sucking vampires and won't stop!

*As for the idiots I mean the jack asses I spoke to! Sorry if you got all butt hurt I'm sorry I didn't think about your feelings because right now my feelings are more than just hurt I'm furious! Especially at those who work at paramount. Im sure if they sneakily got your account number and took out money with out your permission when you tried to settle this 1/2 a year ago you would be so mad you'd be calling everyone there idiots because once again I'm back at where I started ,when trying to resolve this! So ya I would think they were idiotic because I have to repeat myself over & over & over & over again! Or should I call them deaf?!

And as for myself a "consumer" I would call my self an idiot for falling for your..Should I say "tricks" I didn't know when she told me an "update" was an actual "automatic monthly payment. Wow I'm such an idiot for not knowing, I guess you would call it, your "secret codes!"

Thanks for the comment I find it more hilarious than insulting! ;D
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Posted by TGT101 on 2008-10-21:
It is unfair to group everyone that works for them as an idiot. It would be the same as saying all consumers are idiots.
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Paramount Acceptance charges YOU for their own Incompetence!
Posted by Tummygrmbl on 07/06/2008
HOLLADAY, UTAH -- BEWARE Paramount Acceptance Group and AVOID this company at all costs! If you are looking for a gym membership, verify who handles their billing before signing any contracts. Avoiding this company will save you not only money, but months worth of aggravation and headaches! I'm sorry for the long story, but there's a LOT to complain about!

My horrible experience started in May 2007, in Birmingham, AL where I was living at the time. I work 3rd shift with the company I'm with. So I was looking for a gym with long hours where I could go to during hours that I was awake. I found Riviera Fitness. I did a couple of feeler sessions at the gym to see how I liked it. The staff there was wonderful, and I was more than happy to sign a contract for a membership.

The only problem for me was that I knew ahead of time that there was a good possibility that I would be moving out of the state within a few months. So I asked up front, before signing any contracts, what my options were, and if I would be able to transfer my membership if I did leave. I was told that it was easy to transfer my membership to an associated gym if there was one in the area I would be moving. Unfortunately, upon looking at the list of available locations, there were no gyms in the areas where I believed I would be moving. The manager of the gym even called to verify this information, as well as the clause in the contract which states:

"If the member moves out of town and is unable to transfer the contract to a comparable facility within 15 miles or if the health studio goes out of business and fails to provide facilities within 5 miles, Buyer may cancel by proof of verifiable address change and receive a pro-rata refund of any prepayments."

Since I did not know for certain at the time if I would actually be moving, I felt confident that signing a 24 month contract would be no problem. I was able to receive the discounted rate, and there was "no risk" of losing my money should I be transferred, because I could either transfer my membership, or cancel without penalty.

I moved to Fort Myers, Florida in August. I called at the time that I was moving to verify that there were (as verified before even signing the contract) no locations in the area to which I could transfer my membership. A week or two after arriving in Florida, I faxed all of my information, along with my membership number, to the number I was given.

As I mentioned previously, I work 3rd shift. And as such, the time zone difference means that Paramount Acceptance is only open during hours when I am asleep. I never managed to call and speak to a person to verify the receipt of my fax. But since I didn't hear anything at all from them, by phone or by mail, requesting money from me, I figured that everything went fine, and that my membership had been cancelled.

I was wrong. In MARCH of 2008, 7 FULL MONTHS AFTER I HAD MOVED, I received a phone call waking me up in regards to my Riviera Fitness Membership. I thought that they were trying to offer me a promotion to join again, and replied "I don't have a membership. I cancelled when I moved from Alabama in August of last year." I was told that my fax was never received, and that I owed them money. I replied that my contract states that the contract could be cancelled if I could not transfer my membership. I was told that all I had to do was re-send the fax, and send proof of the date I moved, and that it would be taken care of.

I resent the fax.

Again, I sent my fax in the middle of the night during my work hours. This time I kept my confirmation sheet showing that the fax had successfully been transmitted. I tried unsuccessfully for a few days to stay awake and call the company to confirm receipt of the fax. But, days turned into weeks, and I heard nothing from them. Again (and this is where I am REALLY kicking myself), I assumed that surely NOW everything was taken care of, as I wasn't being harassed for money.

Until the end of MAY, when I received yet another phone call. But this time stating that I would be sent to collections for my delinquency of payment. I refuted, saying that I had sent the information multiple times, and that I even had proof that the second fax was successfully transmitted. I was told that I needed to send the information AGAIN. They also claimed that I would be held responsible for the charges up until the time that they received the information, regardless of the date of my move. Not that it should matter, because I sent the first fax within a couple of weeks... but there is Nowhere in the contract which states that cancellation will be effective from the date that the information is processed. NOR does the contract state that the information must be received and processed within a certain time frame after the move to avoid being held liable for charges. I was absolutely outraged.

I sent the information AGAIN, as requested, along with the second fax I sent (complete with the confirmation page showing a successful transmission), a copy of my driver's license showing my Florida address.

I even went to my storage shed to dig out the dated address verification form that the post office sends to you when you move.

It was about a week or so before I was actually able to speak to a person at Paramount Acceptance to confirm that my fax had indeed been received. But they were still insisting that I owed money. I asked to speak to a supervisor and was transferred to another line where I left a message explaining the issue at hand.

I was called back later, by a woman who explained to me that their faxes are processed online, and that they receive the faxes like e-mails. She actually said the words to me "sometimes the server drops them." She also said that it was my responsibility to make sure that the information was received, even though they aren't available to speak with during hours when I can talk to anyone. I was trying to figure out why I was being held responsible for the charges, when it was clearly not my fault that the information was never received or processed. She hung up on me during the phone call. I didn't have a phone number for this supervisor, because I was transferred, and was unable to call her back directly.

I was getting nowhere. So I decided that I would try to obtain the phone records for the time when I sent the original fax, to prove that it was sent. Unfortunately, a few days ago, after a couple of weeks of asking questions, I was told that due to the complexity of finding that information (the fax was sent from a FedEx Kinkos), they would only produce that information upon receiving a court order. Since then, I've been talking with friends, trying to find out what I can do about the situation.

But imagine my surprise when I received a letter from Federal Recovery Services, Inc. stating that I had 30 days from the date on the letter to provide payment in full, or I would be held liable for all collection costs in addition to my "outstanding debt".

The date on the letter was 06/03/2008.


Of course, coming to South Florida from Utah, the letter did not arrive until 07/03/2008, which means I didn't even see it until 07/04/2008 after I got home from work! AFTER the 30 days had already passed! On a National Holiday no less, so I was unable to contact Anyone to speak to regarding the matter!! I will probably have to resort to obtaining a court order for the phone records after all.

I have placed this same review on ripoffreport dot com to warn everyone who may come across this company: THESE PEOPLE ARE BULLIES. THEY FEEL THAT THEY CAN PRESSURE YOU INTO PAYING THEM MORE MONEY THAN THEY ARE ENTITLED TO BY RESORTING TO SCARE TACTICS. I am NOT going to allow them to scare me into paying them anything. I have documentation PROVING that they are untrustworthy, and they Still have the nerve to place the blame on me! STAY AWAY AT ALL COSTS!
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Posted by madconsumer on 2008-07-06:
"The only problem for me was that I knew ahead of time that there was a good possibility that I would be moving out of the state within a few months."

i stopped reading after this. if you knew this, then why did you sign a contract? regardless of the ability to transfer the account, you knew you may be moving.
Posted by Tummygrmbl on 2008-07-06:
If you had kept reading, you would have seen why. But I don't mind saying it here, too. I signed a contract for 3 reasons, one of which you said yourself:

A) I actually liked the gym, knew they had more locations across the nation, and was assured that transferring membership was easy
B) It was supposed to save me money with considerably lower membership fees compared to the month by month membership
C) Being transfered to a location without an associate gym (as it turned out, this was the case), would release me from the remainder of the contract (supposedly)
Posted by TGT101 on 2008-07-06:
Businesses have certain hours that they are open. Expecting them to change to fit into your schedule is ignorant. The consumer needs to work around a business's hours.
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