- Report: #152939
Report - Rebuttal - Arbitrate
Complaint Review: My Perfect Credit - Clear Credit - 1st Credit Of America
My Perfect Credit - Clear Credit - 1st Credit Of America300 N Elizabeth StSuite 220B Chicago, Illinois U.S.A.
My Perfect Credit - Clear Credit - 1st Credit Of America Questionable Business Practices, Harrassment, Extortion, ripoff Chicago Illinois
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The monthly debit of $9.95 did stop. On July 25th, 2005 I received a call out of the blue from a lady in Chicago, Illinois saying she was calling on behalf of My Perfect Credit in regards to my delinquent account. She wanted a credit card number to take care of the delinquent account in the amount of $59.95.
The caller stated that I agreed to pay the $59.95 in what she described as fine print in the "terms of agreement". I asked her to please send me a letter via US Mail to confirm her records and my account information. She flat out refused to send any thing via mail as they do not do business via mail and is only transacted online.
I said she should send me an email then with the info, she refused and again said it was all in the terms of agreement. The caller asked again for a credit card number which I declined to give her. The caller said this matter would be turned over to collections and a negative impact could occur on my credit report.
Within a few days I began to receive an automated call from 866-505-8249 saying to call back as this was an urgent matter in regards to my account. So far, I have not called back and after reading the postings this is not the first complaint filled against this company.
I checked the Chigago BBB which gave the following information: Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered complaints. The company has resolved some complaints presented by the Bureau, however, the company did not respond to other complaints.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
The Bureau processed a total of 10 complaints about this company in the last 36 months, our standard reporting period. Of the total of 10 complaints closed in 36 months, 10 were closed in the last year.
These complaints concerned:
1 Advertising Issues,
4 Customer Service, and
5 Credit or Billing Issues.
They were closed as:
2 Assumed Resolved, and
6 No Response.
This report was posted on Ripoff Report on 08/08/2005 12:46 PM and is a permanent record located here: http://www.ripoffreport.com/r/My-Perfect-Credit-Clear-Credit-1st-Credit-Of-America/Chicago-Illinois-60607/My-Perfect-Credit-Clear-Credit-1st-Credit-Of-America-Questionable-Business-Practices-152939. 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.
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