Complaint Review: Municipal Credit Service - Miami Florida
- Municipal Credit Service 8672 Bird Rd Suite 208 Miami, Florida United States of America
- Phone: 7863530787
- Web: http://municipalcs.com
- Category: Credit & Debt Services
Municipal Credit Service I was referred to Vivian from Municipal Credit Service to fix my credit. Vivian said she can fix my credit within 2-3 weeks for a total of $499.00, however she needed an initial fee of $150.00 to star Miami, Florida
*REBUTTAL Owner of company: It is not illegal for a credit repair company in the state of Florida to charge in advance for credit repair services
*Consumer Comment: Credit Repair Organization
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
Ripoff Report
willing to make a
commitment to
customer satisfaction
Click here now..
I was referred to Vivian from Municipal Credit Service to fix my credit. Vivian said she can fix my credit within 2-3 weeks for a total of $499.00, however she needed an initial fee of $150.00 to start; which was deducted from my credit card. Vivian called me days later and asked for an additional payment in order to finish my credit report faster, so I gave her another $150.00 (credit card). Vivian called again and asked if I can pay-off the full amount; which was $199.00. I told her but next week I can. The next day she called me and said "would you like to pay $124" and I said okay fine! When I checked my credit card, Municipal Credit Service had deducted a total of $574.00! I did not authorize the last $150.00 BUT since they already took off that amount I let it go and said please credit me $75.00 and they kept giving me a hard time telling me that the $75.00 is an additional fee to protect my credit from theft. I disagreed and argued with them to credit me the $75.00 ASAP! Municipal Credit Service now has a total of $574.00 of my hard working money and my credit is not even fixed! They have a Spanish commercial that says "You don't pay anything until they fix your credit". My question is why did they collect all this money from me in one shot without even fixing my credit. I am completely worried that they will not fix my credit and stay with all my money ($574.00). Today, October 29th they finally agreed to credit me $75.00 but in 3 business days. I think they should give me back all my money until they prove and show me that my credit has been fixed. Please help.
This report was posted on Ripoff Report on 10/29/2012 04:45 PM and is a permanent record located here: https://www.ripoffreport.com/reports/municipal-credit-service/miami-florida-33155/municipal-credit-service-i-was-referred-to-vivian-from-municipal-credit-service-to-fix-my-961746. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
If you would like to see more Rip-off Reports on this company/individual, search here:
#2 REBUTTAL Owner of company
It is not illegal for a credit repair company in the state of Florida to charge in advance for credit repair services
AUTHOR: Maribel - (USA)
SUBMITTED: Sunday, February 28, 2016
It is not illegal, if the credit service organization has obtained a surety bond of $10,000 issued by a surety company admitted to do business in this state and has established a trust account at a federally insured bank or savings and loan association located in this state;
but shall deposit all money or other valuable consideration received in its trust account until the full and complete performance of the services it has agreed to perform for the buyer;
http://www.flsenate.gov/Laws/Statutes/2011/817.7005
In Compliance with the Statute 817.7005 of the Florida Law [http://www.flsenate.gov/Laws/Statutes/2011/817.7005] Municipal Credit Service Corp has obtained a surety bond of $10,000 and established a trust account, all upfront fee received by Municipal Credit Service Corp are deposit in its trust account until the service agreed to perform for the buyer has been completed.
#1 Consumer Comment
Credit Repair Organization
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Tuesday, October 30, 2012
First know that there is nothing that these "Credit Repair" companies can do legally that you can not do for yourself for free. It would be best for you to search and read up on the Fair Credit Reporting Act(FCRA) as to your rights. This is the same thing that any legitimate company would do.
Now, as for your money. Any company that provides Credit Repair Services must abide by the Credit Repair Organizations Act(CROA). If the company does not follow the provisions the consumer(you) may have the legal right to sue them not only for the fees, but punitive damages as well as attorney and court fees as well. Not to mention that the FTC may start to investigate them.
One provision of these regulations are that they are not allowed to take any money before services are performed. So by them charging your card they have violated the CROA and you most likely have legal action you can take against them.
The link below is from the FTC about the CROA which you should read over. You may also want to consult with an attorney and then either retain the attorney to sue, or file for yourself in small claims court if they have done anything illegal.
http://www.ftc.gov/ro/chro/credit.shtm
If for some reason the link is redacted just type in "FTC Credit Repair Organizations Act" in your favorite search engine.
Advertisers above have met our
strict standards for business conduct.