• Report: #152725

Complaint Review: First Credit Of America - Clear Credit - MyPerfectCredit, - Alyon - Stephane Touboul

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Sat, August 06, 2005
  • Updated: Sat, August 06, 2005

  • Reported By:Louisville Kentucky
First Credit Of America - Clear Credit - MyPerfectCredit, - Alyon - Stephane Touboul
Department 4345 Carol Stream, Illinois U.S.A.

First Credit Of America, Aka Clear Credit, Aka MyPerfectCredit, Aka Alyon CEO Is Stephane Touboul Via harrassment and intimidation by telephone, company attempts to collect fabricated charges allegedly incurred by ordering alleged credit services over internet Chicago, Carol Stream, Secaucus, Dover Illinois, New Jersey, Delaware (state where registered)

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

Two weeks ago, my husband began receiving computer calls several times per day telling him to call (866) 505-8249 about a debt. When he called, he was harangued by representatives of "First Credit of America" who claim to be collecting a debt of $59.95 owed to "ClearCredit" or to "MyPerfectCredit", they would alternate between them - the representatives have given one or the other - they don't even know who it is we are supposed to owe money to! (Actually, through checking the internet, we learned that First Credit of America is not a collection company for the other two, they are all the same company and are run by Alyon Technologies.

Alyon just settled some major lawsuits in January of this year for scamming people with unsolicited internet porn and attempting to collect huge fees from people by the same tactics - and they may have had some bankruptcy proceedings as a result, but that part isn't clear. They did have to give up the porn, though, as part of the settlement - thus this appears to be a new tactic.)

In several contacts over the past couple of weeks, "First Credit" has attempted to get my husband to verify a social security number - gave him 4 "last" digits, then 9 digits - he told them he doesn't give anyone any information if he doesn't even know who they are! He maintained that, to his knowledge, he doesn't owe anything to this company and that they need to provide proof. He has asked for their address, and they would not give a physical address for the company, they insisted that they only accept electronic payments, and insisted that he had signed up for a credit report on the internet. They would not even give a date on which he was allegedly to have done this.

Yesterday afternoon, I decided to call "First Credit" myself and find out what my husband was talking about. The woman I attempted to speak with tried to get me to verify a social security number - which I would not do - and when I tried to ask her about the date the debt was incurred and an account number, she talked over me and accused my husband of purchasing the service and refusing to pay for it. This attempt at a conversation was amazing - she would not allow me to complete a sentence or ask for the date the debt was allegedly incurred, would not give me an address, would not give me her name. She stated that they would continue to call us until we paid the bill. When I continued to ask for an address or an account number, she would put me on hold for awhile - then when she returned and I continued to ask for this information, she hung up on me.

The repeated computer calls to us are apparently automatically dialed. I found a press release dated September 9, 2004 from Geckotech, LLC announcing their launch of cutting edge telephone technology. The article stated, Geckotech's customers include Chicago start-up First Credit of America. (It lists Geckotech's contact as Carissa Cardone (312) 948-2981.)

We are preparing a letter to send to tell First Credit/Telcollect/Alyon that they are not to contact us again. We have had difficulty getting an address to send a letter, but we were finally able to get the following addresses. First Credit apparently has some offices in Illinois, where they say they are calling from, but of the following company names, only Telcollect is registered with the Illinois Secretary of State. It would appear that Telcollect is now operating as First Credit of America Telcollect used to seek collection of bogus videotext services (porn) alleged to have been purchased on the internet, and First Credit tries to collect on bogus credit services allegedly purchased on the internet.

1) First Credit of America
300 N. Elizabeth, Suite 220 B
Chicago, IL 60609

2) First Credit of America
Department 4345
Carol Stream, IL 60122
(Calling back later, I was able to get one of the representatives to give me this address yesterday afternoon.)

3) Alyon Technologies
1 Harmon Plaza, 2nd floor
Secaucus, NJ
(201) 865-7600
(Apparently, their main offices are leased in the Hartz-Mountain Building in NJ)

4) Alyon Technologies
c/o Bridge Service Corp. (Registered agent)
30 Old Rudnick Lane
Dover, DE 19901
(Delaware is the state where the company is principally registered)

4) Telcollect, Inc.
3100 Medlock Bridge Rd., #140
Norcross, GA 30071
(Telcollect has been Alyon's primary collection agency until a rash of court settlements with the FTC all over the country in the past 9 months I wonder if First Credit of America is its current incarnation. Telcollect's president is Joseph Doherty, at this address. This company is registered as inactive in its state of jurisdiction, New York, but listed as active in foreign states of Illinois and Georgia. No New York address available.)

4) Stephane Touboul (CEO of Alyon)
1723 New Central Avenue
Lakewood, NJ 08701 (This is apparently his/her home address - we found it on a 2005 court document publicly posted online)

Therefore, we plan to send the "cease and desist" letter to all of these addresses with return receipts requested. However, from reading others' experiences with these "companies", that is not guaranteed to work. Plus, you get the feeling they are somehow trying to get anything they can from you, by any means - it is very intimidating and terrorizing to get these calls every single day with no end in sight. They have called on our home phone, my husband's cell phone, and our children's phone! We are making a report to our Attorney General - and we will be making a report to the FTC next - that is what has been strongly recommended, and apparently is necessary.

This website is an invaluable help and resource. Through it, we have received a great deal of important information and guidance, which make us not feel so vulnerable to these attacks. We hope the information we are providing in our report will likewise help to eventually disable these thieves and terrorizers.

Be sure to check Google and other Rip-off reports on: Alyon Technologies, First Credit of America, Telcollect, Clear Credit, MyPerfectCredit, and Stephane Touboul.

L.
Louisville, Kentucky
U.S.A.

Click here to read other Rip Off Reports on Alyon Technologies

This report was posted on Ripoff Report on 08/06/2005 08:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Credit-Of-America-Clear-Credit-MyPerfectCredit-Alyon-Stephane-Touboul/Carol-Stream-Illinois-60122/First-Credit-Of-America-Aka-Clear-Credit-Aka-MyPerfectCredit-Aka-Alyon-CEO-Is-Stephane-152725. 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.

Click Here to read other Ripoff Reports on First Credit Of America - Clear Credit - MyPerfectCredit, - Alyon - Stephane Touboul

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory