Text Messaging Service Agreement Terms and Conditions

Text Messaging Service Agreement Terms and Conditions

This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

For residents of Hawaii and Vermont, this is an attempt to collect a claim and any information obtained will be used for that purpose.

By subscribing to First Collection Services’ Text Message Service you agree to the following Terms and Conditions:

Mobile Phone Ownership and Mobile Number
When you subscribe to First Collection Services’ text message service you are confirming the mobile phone number you use to subscribe is the mobile number associated with your mobile phone. You and no other person will use this mobile phone to communicate with First Collection Services about your account(s). Throughout this agreement the word “you” includes the person associated with the mobile phone and mobile number you use to subscribe to this text message service.

Agreement
This Terms and Conditions document is an agreement between you and First Collection Services which explains some of your important rights under the law, how the text message service works, how text fees and data rates may apply, how you may access information, when we may initiate text messages to the mobile phone number you used to subscribe, your agreement to receive text messages and other important features associated with the text message service. To agree to these Terms and Conditions text YES to First Collection Services’ short code 21335.

If you delete your text messaging history from your mobile phone you may lose information about this text message service. To retrieve the Terms and Conditions you can go to http://texttandc.fcscollects.com.

Voluntary Participation
First Collection Services is a third-party debt collector and offers this text message service to you in connection with the collection of debt. This is a voluntary service you may start or stop at any time.

Purpose
The purpose of this text message service is to allow you to obtain information about your account(s) associated with this mobile phone number by texting key words to First Collection Services. The key words and their definitions appear below. The purpose is also to allow First Collection Services to send certain kinds of text messages to you using the mobile phone number you use to subscribe.

Accounts Subscribed
This text message service allows you and this First Collection Services to communicate about any accounts associated with the mobile phone number you use to subscribe and placed with us for collection now or in the future (Accounts Subscribed). Accounts Subscribed placed with us for collection by more than one business may be excluded from this text message service and Accounts Subscribed placed with us that are closed, inactive, subject to a cease communication or otherwise prohibited from collection activity will be excluded from this text message service.

Consent
By subscribing to this text message service, you consent to participate in First Collection Services’ text message service and understand and agree:

  • First Collection Services may send limited types of text messages to you about Account(s) Subscribed to this service as described below in Company Initiated Text Message Service;
  • You may obtain information about your Account(s) Subscribed by texting key words to First Collection Services;
  • When you text a Key Word to a short code you consent to receive an immediate, automated text message response to be sent to you from First Collection Services’ automated, text message service regardless of the time of day, day of week or frequency of the communications; and
  • Text messages sent to you by First Collection Services may appear on the face of your mobile phone or device and you will manage the settings associated with how text messages are displayed on your phone or device to protect your confidential information.

Text Message Service Termination Process:
First Collection Services and its agents do not have the ability to unsubscribe you from this text message service without your participation. To terminate participation or unsubscribe from First Collection Services’ text message service, you need to text the word ALTO, STOP, STOP!, STOPNOW, STOPALL, END, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE, or ARRET to First Collection Services’ text number. Unsubscribing from First Collection Services ‘s text message service will not revoke or cancel other types of permissions you have granted First Collection Services using the mobile number you use to subscribe to this text message service.By enrolling in this text message service, you consent that following such a request to unsubscribe, you will receive a one-time text message from First Collection Services confirming your removal from First Collection Services’ text message service. Following such confirmation message, no additional text messages will be sent unless you voluntarily subscribe again to this text message service.

If you deactivate the mobile number you used to subscribe to First Collection Services’ text message service, First Collection Services will unsubscribe you from its text message service and send you a one-time text message confirming your removal from First Collection Services’ text message service. Following such confirmation message, no additional text messages will be sent unless you voluntarily subscribe again to this text message service.

Translation of Abbreviations:
First Collection Services’ text message service uses abbreviations when communicating with you. Please refer to this abbreviation translation list or contact First Collection Services if you have questions or need assistance.

  • # - means the consumer’s mobile phone number
  • 2 – is an abbreviation for the word “to”
  • 4 – is an abbreviation for the word “for”
  • Acct - means the account(s) associated with the mobile phone number and phone you used to subscribe and which you alone, own, use or have access
  • Accts - means the account(s) associated with the mobile phone number and phone you used to subscribe and which you alone, own, use or have access
  • Addl – means more
  • Comm - means communicate or communication
  • Comms - means communications
  • Info - means information
  • Msg or Msgs - means message or messages
  • Msging - means messaging
  • Msg&DataRatesMayApply – means message and data rates may apply
  • Multpl - means multiple
  • Pls - means please
  • Pmt - means payment
  • Rcpt - means receipt
  • Rcvd - means received
  • Rcving - means receiving
  • Req - means request
  • Txt means text

Consumer Initiated Key Word Text Message Service
To manage your use of this text message service or to request information about your account(s) you may use the following Key Words. Simply text the Key Word to our First Collection Services’ text number 21335 and First Collection Services will respond.

REMEMBER EACH TEXT RESPONSE FROM First Collection Services IS A COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Key Words:

  • Text ACCTINFO to receive the phone number of our customer service representative who can provide you with information about your Account(s) Subscribed or URL for information about Subscribed Accounts.
  • Text BALANCE to receive the total balance due including any interest amounts or fees due and payable on all active, Accounts Subscribed. This amount will not include amounts pertaining to inactive accounts, accounts not associated with the mobile number you use to subscribe or accounts subject to a cease and desist.
  • Text CALLME for an agent to call you at the mobile phone number you use to subscribe to this text message service. This function will not be available when all of your accounts with this agency are subject to a cease and desist either requested by you or by operation of law.
  • Text CONCERN to inform First Collection Services you would like a customer service representative to call you at this mobile number about a question or to discuss an issue you may have about your account(s).
  • Text CONSENT or INFO to indicate your consent for First Collection Services to send text messages to the mobile phone number you use to subscribe and provide you with the Terms and Conditions regarding this text message service. You will also be prompted to text YES to confirm your agreement with these Terms and Conditions and complete the opt in process.
  • Text HELP to receive the phone number of our customer service representative who can provide you with further information about your Account(s) Subscribed or URL to First Collection Services’ website.
  • Text KEYWORDS to request a list of Key Words.
  • Text PAY to make a payment using First Collection Services’ payment website and/or company’s automated telephone payment system.
  • Text REMINDER to receive the date your next payment is due and the amount of the next payment for all Accounts Subscribed; a response indicating you do not currently have a payment due; or a response informing you a payment(s) is past due.
  • Text STOP, ALTO, STOP., STOP!, STOPNOW, STOPALL, STOP ALL, END, ENDALL, END ALL, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE or ARRET to unsubscribe from First Collection Services’ text message service. By texting any one of these key words you consent and agree to receive a one-time text message from First Collection Services confirming you have been unsubscribed from this text message service.
  • Text TERMS to request a link to the Terms and Conditions.
  • Text YES to confirm your agreement with these Terms and Conditions and complete the opt in process.

First Collection Services Initiated Text Message Service
First Collection Services may at times decide to initiate text messages to the mobile phone number you use to subscribe to its text message service.

  • Call Agency - First Collection Services may send you a text message to request you contact them.
  • Electronic Payment Reminder - First Collection Services may send you a text message reminder to notify you of the amount and the date when your authorized electronic payment will be processed.
  • Failed Payment Notification - First Collection Services may send you a text message if your payment did not process due to insufficient funds in the account or another problem which prevented the processing of the payment.
  • New Account Notification – First Collection Services may send you a text message to notify you when an additional account associated with the mobile phone number you use to subscribe to First Collection Services’ text message service was placed with our agency for collection.
  • Past Due - First Collection Services may send you a text message reminder to notify you a scheduled payment was missed and invite you to make a payment.
  • Payment Receipt – First Collection Services may send you a text message to confirm the receipt of your payment.
  • Prior Express Consent to Text – There are times when First Collection Services may have obtained your prior express consent to communicate with you by text message. This consent may have come to us from the creditor to which you allegedly owe the Accounts Subscribed, from your interactions with our automated response systems, our consumer portal or from a live interaction with one of our customer service representatives. In these situations, we want to give you the opportunity to review and agree to our Terms and Conditions and voluntarily confirm your participation in our text message service.
  • Reminder of Payment Due Date - First Collection Services may send you a text message to remind you when your payment is due.
  • Automated Response to Unknown Consumer Action: There may be instances when First Collection Services is unable to interpret or respond to your key word request. These instances include but are not limited to:
    • Submission of Unrecognized Text – First Collection Services may ask you to call a customer service representative if we have questions associated with your text request(s). Examples of this may include but are not limited to: Notice of bankruptcy filing; Request to cease and desist; Notice of attorney representation; Complaints and disputes; Misspelled terms or words; Terms or words not defined by this agreement
    • Already Opted In – First Collection Services will text you if the mobile number is already subscribed to the text message service.
    • Ported Mobile Phone Number – First Collection Services may ask you to re-subscribe to this text message service if you change carriers but keep the mobile number you used to subscribe to First Collection Services’ text message service.

Unless described above, First Collection Services will not initiate text messages to you using the mobile phone number you use to subscribe to this text message service.

Costs and Charges
First Collection Services does not have a separate charge for this text message service; however, message and data rates may apply from your mobile phone carrier. Subject to the terms and conditions of your mobile phone carrier, you may receive text messages sent to your mobile phone. Participation in this text message service is standard rated (no premium content).

By providing your consent to participate in this text message service, you approve any such charges from your mobile phone carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance.

Your Privacy
First Collection Services is committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the consumer and their data. For more information you can view a copy of our privacy policy online at http://texttandc.fcscollects.com.

First Collection Services’ Right to Terminate
First Collection Services reserves the right to terminate this text message service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays.

OPTIONAL PROVISION: First Collection Services’ Right to Limit Key Word Requests:
Communicating with you is important to First Collection Services. To maintain accuracy in our responses to your key word requests, First Collection Services reserves the right to block key word requests we receive from you and to which our records show we have responded. If at any time you believe your key word requests have been blocked in error, please contact us at 844-310-5239.

United States Participating Carriers Include:
ACS/Alaska, Alltel, AT&T, Bluegrass MobileFirst Collection Servicesular, Boost, MobileFirst Collection Servicescom, MobileFirst Collection Servicesone Nation, MobileFirst Collection Servicesular One of East Central Illinois, MobileFirst Collection Servicesular South, Centennial, Chariton Valley MobileFirst Collection Servicesular, Cincinnati Bell, Cox Communications, Cricket, EKN/Appalachian Wireless, Element Mobile, GCI, Golden State MobileFirst Collection Servicesular, Illinois Valley MobileFirst Collection Servicesular, Immix/Keystone Wireless, Inland MobileFirst Collection Servicesular, iWireless, Metro PCS, Nex-Tech Wireless, nTelos, Plateau Wireless, South Canaan, Sprint, T-Mobile, Thumb MobileFirst Collection Servicesular, United Wireless, US MobileFirst Collection Servicesular, Verizon Wireless, Viaero Wireless, Virgin, WCC. Additional carriers may be added.

Canada Participating Carriers Include:
Aliant Mobility, Bell Mobility, Fido, MTS, NorthernTel Mobility, Rogers Wireless, SaskTel Mobility, Télébec Mobilité, TELUS Mobility, Vidéotron, Virgin Mobile Canada, WIND Mobile. Additional carriers may be added.