• Report: #153897

Complaint Review: First Credit Of Amercia - My Perfect Credit - Clear Credit

  • Submitted: Tue, August 16, 2005
  • Updated: Thu, December 01, 2005

  • Reported By:Trail Oregon
First Credit Of Amercia - My Perfect Credit - Clear Credit
1805 N Carson St. #419 Carson City, Nevada U.S.A.

First Credit Of Amercia - My Perfect Credit - Clear Credit ripoff: Trying to get me to pay $59.95 for membership cancelation fee when I did not use there service. Carson City Nevada

*Consumer Comment: Ha!! You are absolutly nuts - You consistantly violate the Fair Debt Collection Act

*Consumer Comment: Ha!! You are absolutly nuts - You consistantly violate the Fair Debt Collection Act

*Consumer Comment: Fair Debt Collection

*UPDATE Employee: MyPerfectCredit Member Support Response

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I have been receving annoying phone calls from this number 1-866-505-2632 for the last two months. I didn't answer because I assumed it was some kind of solicitor after several annoying calls I finely answered. The women that answered talked really fast so I couldn't understand what she was saying not the name of the company or who she was. The only thing I could understand was they were some kind of collection agency and she was calling about my account. I told her I didn't know what she was talking about because I didn't owe any money to be turned over to a collection agency.

I wasn't going to pay them any money for something I didn't owe or received any service from them for a credit report. She insisted that it was a cancellation fee of $59.95. I said how could that be when I didn't us that site and I wasn't going to pay them any money.
I called the FTC on 8,4,05 I filed a complaint also was told to go on line to get my credit report to verify if I had put in for a credit check, witch I had not. I have a refferance number.

I continued to receive calls from that number and messages to call 1-866-505-8249 about my account. I called the FTC again on 8,11,05 about why I was still receving the calls. I was told I had to get some documentation in writting so when I got the call from the same number I answreed I got the name of the company First Credit of America.

The women I was speaking to was Miss Grayer. I asked for her first name and she said she was just knowen as Miss Grayer. She told me My account showed I owed $59.95 and if I payed this amount I would stop receving annoying phone calls from them. So I was to give then my credit card number.

I told her I wasn't going to give her any credit card. Then she wanted ne to give her my bank account number. I said I'm not going to give you any account number at all. I asked for her to send me all of the information she had about my account in the mail.

She told me that they didn't mail anything to anyone because the person could say they never received it. I contuned to tell her I was not going to pay them any money over the phone or on line to any of them.

She said well maybe you had better talk to someone else about this. I said that would be fine with me.

When the Floor Supervisor came on the line she said what is the problem about your account? I told her that I didn't owe or receive any service from the company they were trying to collect from and I wasn't going to give out my account numbers. She said that they were a mult-million dollar company and I should give them my account numbers so they could clear my account. I stated again that I was not going to do that. She said then are you refusing to pay this account? I said I'm not going to give you a credit card or bank account number. She told then the only recourse she had was to turn this back over to My Perfect Credit and there Attorney's would start leagle procedings aginst me. I said if that's what you need to be I guess you'll have to do it.

I also pressed the number to activate a block on my phone to stop anoying anoymous calls.

Donna
Trail, Oregon
U.S.A.

This report was posted on Ripoff Report on 08/16/2005 04:16 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Credit-Of-Amercia-My-Perfect-Credit-Clear-Credit/Carson-City-Nevada-89710/First-Credit-Of-Amercia-My-Perfect-Credit-Clear-Credit-ripoff-Trying-to-get-me-to-pay-153897. 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.

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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

Ha!! You are absolutly nuts - You consistantly violate the Fair Debt Collection Act

AUTHOR: Bob - (U.S.A.)

Rachelle of Carson City, Nevada, you are so full of cow dung it's leaking out of your ears.

Look at all the complaints on this web site from people who call you and explain their problem and they get harrassed.

You consistantly violate the Fair Debt Collection Act by not providing proof of the debt as is required by the Act.

Your company is a scam pure and simple.
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#2 Consumer Comment

Ha!! You are absolutly nuts - You consistantly violate the Fair Debt Collection Act

AUTHOR: Bob - (U.S.A.)

Rachelle of Carson City, Nevada, you are so full of cow dung it's leaking out of your ears.

Look at all the complaints on this web site from people who call you and explain their problem and they get harrassed.

You consistantly violate the Fair Debt Collection Act by not providing proof of the debt as is required by the Act.

Your company is a scam pure and simple.
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#3 Consumer Comment

Fair Debt Collection

AUTHOR: Alma - (U.S.A.)

Dear Rachelle,

how about instead of spending considerable time to "clearly identify any customers who may post to this site", spending ten minutes to read the FTC rules regarding Fair Debt Collection and discussing those rules with your collecting agency?

Here is the site:
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Quote:
What must the debt collector tell you about the debt?

Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

Debt collectors also may not state that:

actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

What can you do if you believe a debt collector violated the law?

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector' s net worth, whichever is less.
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#4 UPDATE Employee

MyPerfectCredit Member Support Response

AUTHOR: Rachelle - (U.S.A.)

MyPerfectCredit makes every attempt to clearly identify any customers who may post to this site. Should the individual contact us and simply explain why they are disputing any balance or request a one time credit waiver, MyPerfectCredit will be very responsive to the request.

If at any time a member has a concern about their membership, wishes to close the account, or request a refund, they may do so by contacting our customer service representatives at support@myperfectcredit.com or (877) 469-7373. We promise to review your request on a timely basis, and make every effort to resolve all issues.

We stand by our commitment to provide exceptional customer service, and want our members to have a positive experience with MyPerfectCredit.Com. If a member cannot resolve any issue with the first level contact, they can request a second level review of the unresolved issues by e-mailing supervisor@myperfectcredit.com.
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