• Report: #152984

Complaint Review: My Perfect Credit - Clear Credit

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  • Submitted: Mon, August 08, 2005
  • Updated: Sun, September 17, 2006

  • Reported By:Dallas Georgia
My Perfect Credit - Clear Credit
1805 North Carson St # 419 Carson City, Nevada U.S.A.

My Perfect Credit - Clear Credit Ripoff Put UNOWED $$$ into collection, unable to talk to a person, only email responses, TOOK MONEY FROM MY DEBIT CARD WITHOUT PERMISSION! Carson City Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: MyPerfectCredit Member Support Response

*Author of original report: 3/18/06 ATTORNEY GENERAL IS GOING AFTER OUR REFUNDS!!! LOOK AT THE ENCLOSED INFO---

*Author of original report: Update - I got partial refund so far of 65.00 & I'm still fighting for the rest of my money!!

*Author of original report: UPDATE Please Read The Attorney general files against them in Aug 2003...this is from Clark Howard site, My Perfect Credit was doing this in 2003

*Author of original report: UPDATE !! My Perfect Credit - Clear Credit Ripoff Put UNOWED $$$ into collection, unable to talk to a person, only email responses, TOOK MONEY FROM MY DEBIT CARD WITHOUT PERMISSION!

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I joined "My Perfect Credit" last June 2004. They said I would be in control of all work done , charges etc. I didn't ask for anything and didn't even log back in until 2/2005 after getting an email stating a problem with my credit card, (it had expired) I did not in the meantime get any mail or emails from them. I sent the required cancel notice too.

I know its stupid but I did not know they were still taking money from my acct. They said it would come out in one name and then switched to another, a total of 3 different names on my statement. I have tried to get them to call me since 2/2005, I have emailed, requested a refund etc.

8/7/2005 I get a phone call today from a collection agency - 1st Credit of America saying I owe "MPC" almost $300.00. I have never gotten any letters from them and I told him he would have to send me written proof of the charges. He said he would email them and mail them to me also.

Well, no email yet, we will see about the letter.

The guy was rude and pushy and demanded payment then. I told him to hang on and I called "MPC" and left my phone on speaker so he could hear it all. She admitted I had called and requested a refund back in 2/2005 and had made several calls and 1st Credit of America guy just says that doesn't mean I don't owe them. 1st Credit says it will be put on my credit file.

Today they send me an email saying :
Thank you for contacting MyPerfectCredit concerning your account. MyPerfectCredit prefers responding to its members via email. If you should have any other questions, please contact us.
Kind Regards,
MyPerfectCredit, Inc.
Member Support

Kathy
Dallas, Georgia
U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

Click here to read other Rip Off Reports on Clear Credit

This report was posted on Ripoff Report on 08/08/2005 07:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/My-Perfect-Credit-Clear-Credit/Carson-City-Nevada-89701/My-Perfect-Credit-Clear-Credit-Ripoff-Put-UNOWED-into-collection-unable-to-talk-to-152984. 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:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

MyPerfectCredit Member Support Response

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

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.

MyPerfectCredit Member Support Response
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#2 Author of original report

3/18/06 ATTORNEY GENERAL IS GOING AFTER OUR REFUNDS!!! LOOK AT THE ENCLOSED INFO---

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

I got a call from the AG's office and then yesterday got this paperwork to send in for my refund. Finally its working for us !!!
..............Copy of letter below..........................

BILL LOCKYER State of California
Attorney General DEPARTMENT OF JUSTICE
110 WEST A STREET, SUITE 1100 SAN DIEGO, CA 92101
P.O. BOX 85266 SAN DIEGO, CA 92186-5266
Public: (619)645-2050
Telephone: (619) 645-2088
Facsimile: (619)645-2062
March 15, 2006
Kathy MXXXXXXX
XXXXXXXXXXXXXXXXXXX
Dallas, GA 30157
RE: MyPerfectCredit
Dear Kathy MXXXXXXX:
The California Attorney General's Office recently settled its lawsuit against PathwayData, Inc., dba MyPerfectCredit. The terms of the settlement require that the company provide a refund to all who have filed a complaint with this office or with the Better Business Bureau.
We have obtained your name and address from the complaint records of the Better Business Bureau. If your complaint has not already been resolved and you believe you are owed money, please fill out the enclosed form so that your refund can be processed. The information you provide will be reviewed by this office and MyPerfectCredit. Please do not submit a claim if you have already been refunded. You must return the claim form to us by April 15, 2006. Please use the self-addressed stamped envelope provided.
We appreciate your having brought your complaint to the attention of the Better Business Bureau.
Sincerely,

GAYLE S. WELLER
Associate Governmental Program Analyst
For BILL LOCKYER Attorney General
.........................................................
Can you believe it? Hooray!!!!!!!!!!
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#3 Author of original report

Update - I got partial refund so far of 65.00 & I'm still fighting for the rest of my money!!

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

Got this email and a credit of 65.00 of the 165.00 I asked for. They are still trying to CHEAT me out of the other 100.00 !!!
.....................................................

Subject: Re: PLEASE HELP !! I am being ripped off and harassed by - My Perfect Credit and 1st Credit of America and Clear Credit <<#18372-148470#>>


Thank you for contacting MyPerfectCredit concerning your account.

After reviewing your account further, we have determined that the amount to be refunded to the account is $65.00. This is the last to charges make to your credit card. This Please note, it may take a few days for the credit to show on your card.



Kind Regards,

Member Support Supervisor
MyPerfectCredit, Inc.
supervisor@myperfectcredit.com
.....................................................

ALSO if ANYONE can GET INFO on what site we can get the Attorney general info from(date & case # is mentioned but we still can't find it), I got this email from a lady at the LA BBB and she sent me the following email...

From: Kim Burge
Date: 08/19/05 12:10:12
To: xxxxxxxxxxxxxxxxxx
Cc: Kim Burge
Subject: FW: My perfect credit


We would be appreciative of receiving the actual press release from the attorney general regarding the action you mention below. I personally looked on the website and cannot find any action. This is the website I visited http://ag.ca.gov/newsalerts/index.php?year=2003&month=8
If you get a copy of the actual action please forward it to our office.

Thank you.
........this was in response to an email I sent asking why the following info was not on their web site...

Government Actions
Agency:
Description: On August 26, 2003, the California Attorney General filed a Lawsuit, case no. 816741, alleging that the company and its principles misrepresented that they would remove inaccurate, outdated, or unverified information from a subscriber's credit report when they did not have the authority to do so, represented that they could obtain credit reports at no cost, without disclosing that the consumers who responded to the offer are often enrolled and charged for their services without their consent. The suit also alleged that the company failed to obtain the proper registration, bond, and that they failed to perform the services within 6 months as required by law. The lawsuit is seeking equitable relief for consumers.
Date of Action: 8/26/2003

............................................



Keep at it everyone and lets close them down!!
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#4 Author of original report

UPDATE Please Read The Attorney general files against them in Aug 2003...this is from Clark Howard site, My Perfect Credit was doing this in 2003

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

i posted on the Clark Howard site to get phone info etc and this is one post I got, makes for some interesting reading!!Look below at the Aug 2003, the Attorney General filed a lawsuit!!

08/09/05 03:06 AM
You did not choose a good company! [re: NiftyFifty] Reply to post

And in fact that may help you with your current situation

MyPerfectCredit.com and ClearCredit.com(both using several other names for their business) merged and both and each separately are being reported as scams and ripoffs on the net.

First some things to read:

http://w3.ripoffreport.com/reports/ripoff150753.htm
(this is close to your situation so read on until you see the advice offered)

http://www.ripoffreport.com/reports/ripoff133452.htm
http://www.ripoffreport.com/reports/ripoff136579.htm
http://www.ripoffreport.com/view.asp?id=124011&view=printer

The principal contact for both ThePerfectCredit & ClearCredit is Aaron Jones, President and he shows up at ClearCredit's office at 65 Enterprise Dr.,Suite 455, Aliso Viejo,CA.-phone 949)330-7400.

MyPerfectCredit apparently has offices in several states including California and Ohio; certain locations:1805 N. Carson St.,Carson City,NV. 89701-phone 877-469-7373,St.,Santa Monica,CA.90405....additional telephone listings 800)792-5327 & 866)792-5327.

You'll want to read the Better Business Bureau Report(and the legal happenings) with Clear Credit here:

http://www.bbbnewyork.org/businessreports/Default.aspx?id=12873
and
Click here for the California BBB report & company's F rating
Note this section: Complainants allege that the company fails to provide promised credit improvement services after fees are paid. Complainants state that they are charged even though they have not authorized the company to dispute items on their report. Most complainants report difficulty contacting the company regarding services. Emails aren't answered, and there are no telephone numbers listed for the company with directory assistance. Other customers complain they are unable to log on, or otherwise access their information on the company's website.
[473 complaints in 1 year)
The company responds to some complaints by issuing refunds. Some complaints are unresolved, meaning the customers are not satisfied with the company's response. In one case, the company agreed to provide a refund, however, the customer wanted services instead.

----------------------
Government Actions
Agency:
Description: On August 26, 2003, the California Attorney General filed a Lawsuit, case no. 816741, alleging that the company and its principles misrepresented that they would remove inaccurate, outdated, or unverified information from a subscriber's credit report when they did not have the authority to do so, represented that they could obtain credit reports at no cost, without disclosing that the consumers who responded to the offer are often enrolled and charged for their services without their consent. The suit also alleged that the company failed to obtain the proper registration, bond, and that they failed to perform the services within 6 months as required by law. The lawsuit is seeking equitable relief for consumers.
Date of Action: 8/26/2003
---------------------------------
Now to see the selections you could choose to sign up for:

http://www.myperfectcredit.com/howitworks.jsp
Note they say that "charges are NEVER more than $35/mo."

Here you will scroll down to "Free Credit Reports Advertised by CleanCredit.com": http://www.consumer.state.ny.us/consumer_watch_list.htm

Hopefully this information will assist you in 'dealing' with the Collection Agency for this 'fine' company!!
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#5 Author of original report

UPDATE !! My Perfect Credit - Clear Credit Ripoff Put UNOWED $$$ into collection, unable to talk to a person, only email responses, TOOK MONEY FROM MY DEBIT CARD WITHOUT PERMISSION!

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

I heard back from the email I sent to supervisor@myperfectcredit.com ..................... RESPONSE FROM MY PERFECT CREDIT, THYE CAN'T EVEN ADD A NAME TO THEIRS!! MY EMAIL TO THEM SHOWS BELOW THIS ONE................................. Subject: Re: PLEASE HELP !! I am being ripped off and harassed by - My Perfect Credit and 1st Credit of America and Clear Credit <<#18372-148470#>> Thank you for contacting MyPerfectCredit concerning your account. We have reviewed your account and found that it is closed. However, at the time you closed your account, there was an outstanding balance. MyPerfectCredit reserves the right to collect on all outstanding balances on any account. At this time, we will cease to collect on the remaining outstanding balance but no refund is due. We have reviewed your account and informed 1st Credit of America to remove you from collections. This process will take approximately 15 business days. Kind Regards, Member Support Supervisor MyPerfectCredit, Inc. ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; MY EMAIL TO THEM..................................... --- Original Message --- From: "KM" Received: 8/9/2005 11:13:00 PM Eastern Standard Time (GMT - 4:00 ) To: , , , Cc: , , , , , , , , Subject: PLEASE HELP !! I am being ripped off and harassed by - My Perfect Credit and 1st Credit of America and Clear Credit 8/9/2005 To: My Perfect Credit and 1st Credit of America and Clear Credit: I DO NOT owe you any money and I want my refund of $165.00 sent to me immediately. You have never contacted me saying I owe anything, I still have the SAME email address and home address and the SAME phone numbers too!!! Your SCAMS are about to be stopped! I have along with numerous others filed reports with everyone we can think of that will put a stop to your THIEVING WAYS and BULLY TACTICS!! Also I expect you to let your partner 1st Credit of America to back off and stop calling me every day!!When I see the refund of $165.00 then and only then will I update my post at Ripoffreport.com to let others know you did what you should have done back in 2/2005. You also better make sure you have not put any marks on my credit file. I will not stop until this is cleared up and if I have to sue or join in the civil suit some are trying to start then you better consider it done too! Any questions? YOU may CALL me! Kathy Meyer at XXX-XXX-XXXX / cell XXX-XXX-XXXX
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