Kingston Data & Credit: Who They Are and Your Rights

Type

Collection agency

Also known as

Kingston Data & Credit International Inc.; Kingston Data & Credit Inc.; KDC Energy Collections

Headquarters

Largo, FL

Collects

fitness club memberships, utility and home services bills

Phone numbers it lists

(888) 908-3151, (888) 908-7743

Website

kingstondc.ca

227 debt collection complaints were sent to the Consumer Financial Protection Bureau about Kingston Data & Credit International Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Kingston Data & Credit?

Kingston Data & Credit is an accounts receivable management firm with its head office at 1575 Bishop St. N., Suite 2B-100, in Cambridge, Ontario. Its president, Blair DeMarco-Wettlaufer, writes on the company's website that it "performs third party collections, credit reporting, trace services, and credit management consulting across Canada and the United States." The site names branches in Brantford and Sarnia, Ontario, Gatineau, Quebec, and Abbotsford, British Columbia.

The name in the CFPB complaint database, Kingston Data & Credit International Inc., is the company's U.S. collection agency. The BBB lists that corporation at 1301 Seminole Blvd., Suite 166, Largo, Florida 33770, with a business start date of January 6, 2013, and names Blair Demarco-Wettlaufer as president. The BBB profile also gives the same fax number, (519) 653-6930, and the same (888) 908-7743 phone line that appear on the Canadian company's website, which ties the two together.

The company's site lists (888) 908-3151 as its main number. We did not find a CFPB enforcement action against Kingston Data & Credit.

Why Kingston Data & Credit May Be Contacting You

Two kinds of accounts stand out on the company's own website:

• Gym and fitness memberships. Its FAQ is written largely for clubs, with status codes such as "Member Reinstatement," which it describes as letting a member pay just the arrears and return to good standing instead of paying the full contract.
• Energy and home services bills. A section called KDC Energy Collections says it handles unpaid "utility or home services bills" for energy clients.

Its industries page also lists automotive, dental, education, health services, insurance, real estate, retail and other businesses. If you hear from Kingston, the client is most likely a business you had a monthly contract with, such as a gym or a retail electricity or gas plan you cancelled or left when you moved.

How to Check a Debt Kingston Data & Credit Says You Owe

Membership and energy contracts often carry cancellation terms, early-termination charges and final bills that are easy to dispute. Before you pay:

• Read the validation notice. Within five days of first contact, a U.S. collector must send a notice naming the creditor, itemizing the balance and giving you a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See what a validation notice must say.
• Dispute in writing within the validation period if you cancelled the membership, never signed up, or paid a final bill. Kingston must pause collection until it sends verification.
• Ask for the contract and the cancellation record. For a gym, request the signed agreement and any cancellation notice you gave. For an energy plan, request the final meter read and the termination-fee terms.
• Ask who owns the account now and compare the balance with your own records and bank statements.
• Check the age of the debt. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.

What Kingston Data & Credit Can and Can't Do

When it collects a consumer's personal or household debt for a U.S. client, Kingston is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA applies. That means:

• It can't add its own commission to your balance unless your contract or the law allows it (15 U.S.C. § 1692f(1)). Its own FAQ tells clients the commission can't be added to what the debtor owes. See collection fees.
• It can't call you about one debt more than seven times in seven days (12 C.F.R. § 1006.14(b)(2)).
• It can't report a debt to the credit bureaus without first contacting you about it (12 C.F.R. § 1006.30(a)).
• It must stop contacting you, with limited exceptions, if you tell it in writing to stop (15 U.S.C. § 1692c(c)).

If a collector's calls or letters cross these lines, our Texas FDCPA attorneys page explains your options.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Kingston Data & Credit or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Kingston Data & Credit: About us
• Kingston Data & Credit: KDC Energy Collections
• Kingston Data & Credit: Industries we serve
• Kingston Data & Credit: FAQ
• Kingston Data & Credit: Locations
• BBB business profile: Kingston Data & Credit International Inc (business facts only)
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: Kingston Data & Credit International Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Kingston Data & Credit has violated any law. Company details change; tell us if something here is out of date.