- Report: #1091501
Report - Rebuttal - Arbitrate
Complaint Review: Park View Legal TRUSTED BUSINESS | Ripoff Report Verified Safe™ …businesses you can trust. Park View Legal, professional advocacy firm assists consumers fix credit history. Park View Legal hands on approach to wellbeing of clients, going extra mile providing best possible results. Park View Legal's customer support team reviews cases with consumers every month, ensuring consumers on track to achieving goals.
Park View Law, Inc8880 Rio San Diego Drive, Suite 800 San Diego, California USA
Park View Legal TRUSTED BUSINESS REVIEW: Park View Legal dedicated to 100% customer satisfaction. Park View Legal demonstrates willingness to change by joining Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program benefiting consumers, ensuring complete satisfaction & confidence when doing business.
*UPDATE: Park View Legal recognized by Ripoff Report Verified™ as a safe business service.
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EDitor's UPDATE: Positive rating and recognition has been given to Park View Legal for its full commitment to quality customer service.
Ripoff Report's discussions with Park View Legal have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Park View Legal listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.
Park View Legal’s Vice President of Operations, Mr. Brian Mazzarella, wishes to impress upon us his personal philosophy of care. Every employee from the top down sincerely wants to improve the lives of our client base. [continued below]....
The information provided in this report below is based on comments made by Nirit Rubenstein, Brian Mazzarella, and Langston Bryant during an onsite inspection held by a third party verification company with no biases toward Parkview Legal.
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
Parkview Legal provides specialized services to improve the credit scores of clients in order to, "qualify for a home, car, seek employment, or whatever their credit desires may be." Nirit Rubenstein went on to describe the the basic business model, as well as the excellent training provided to employees in order to generate great customer service, "they go through a great deal of training and certification [in order to] understand how to help customers improve their credit report and credit score. It’s a very customized approach...the vision is really to help people. This company was founded as a leasing company and in order to get people qualified for leases they realized that a lot of people weren’t able to qualify because of their credit. So we started by helping people for free in order to allow them to get into the lease. When we realized there was a real need in the market place for it, we actually focused on a completely new business on helping customer. The business was founded with the hope of helping people to realize their financial challenges and get beyond where they are today to better themselves for the future.”
Parkview Legal utilizes several different venues to obtain leads for their company. These include both Google searches, as well as referrals from mortgage companies they have developed relationships with. Langston Bryant went on to describe the typical experience a potential client might receive, "our first thing is to find out what’s on the credit report. It’s kind of like a questionnaire for us to find out exactly what is on the report that’s showing up negatively. What are their goals and dreams? What do they want to achieve by doing credit repair? Most of them just want to get things cleaned up, because they are just tired of having it bad. However, we do have campaigns for people that are calling in specifically to get a mortgage, or specifically to get some type of finance done. At that point, once we find out what’s on the credit [report], we can assess whether or not we can help them based on our experience with our past clients. So the most important thing for us, is to get them talking about credit and get them exciting about the possibilities of getting it clean so that they can move forward to the next step." Ms. Rubenstein went on to add, "once they go through that step, they pay $59.95 and that’s a fee for the pulling of the FICO Report and the consultation with the FICO certified analyst. So that’s what that initial $59.95 covers. Then they go along and have a 30 minute to 2 hour conversation with the FICO certified analyst. That’s where they put together a very customized plan on how to tackle every single item on a credit report. From there is goes on to our dispute team to start disputing the claims and creating a case for the customer with our dispute software.”
CUSTOMER CARE & COMPLAINT RESOLUTION FROM PARK VIEW LEGAL
During the onsite interview the team at Parkview Legal was asked to describe a situation where a client was not satisfied with the level of service they received. Brian Mazzarella went on to describe both the most common complaint as well as a specific situation and resolution, " progress, I would say is a number one issue. That is what people are paying us for, they want to see results. There are a few things that can tamper that really. It can take some time. One of my favorite cases, there was a gentleman that had a bunch of negative items…we have a very aggressive system, we go after up to 45 items each round even sometimes more than that. We also send out multiple rounds with in a month period. We are extremely aggressive and if someone adds a new negative account, we don’t charge extra, we just tack it on. So this one case this gentleman was with us for three months. I can’t remember the exact number, but I want to say like 30 something negative items and we removed five by the three month point. So of course he was upset, we couldn’t talk him through. We knocked his rate down and convinced him to stay. Between that third and six month, he was 100% removed. His score jumped up...roughly 120 points. So a lot of times it is just the persistence that pays off." Ms. Rubenstein also brought up the fact that some client complaints arise from the misunderstanding of fees. While the arrangement of fees is clearly communicated to the client several times Parkview Legal is always willing to work with their clients, "if you are not happy with our service we are happy to guarantee our service, and give you back your money.”
When asked to comment on complaints posted on Ripoff Report's website Mr. Mazzarella went on to describe the specific situation in question, "it was a couple's joint account and they were complaining that they were listening to us but their score was still dropping. I remember that particular situation, we actually had some pretty decent results. I know we gave them a full refund for their complaint ...on top of that, they had student loans she wasn’t paying them. So new late dates plus the interest and that’s why their score wasn’t improving... a lot of the scam complaints are unfounded." Mr. Mazzarella went on to describe the high standard of work as well was accreditations that they have achieved, "I went through our stats, we do a really great job getting accounts removed, and we have a six month guarantee refund. If we make zero deletions or repairs by the six month point, you are entitled to all your money back...a full refund. Sometimes when we only have one removed, we will offer a free month going forward or something like that. We do try to make our customers happy to show we are committed to service and doing our job. We are not a scam. We are accredited with the United Stated Association of Accredited Business, the USAAB and we are working on a BBB accreditation right now. We also have pretty strict compliance rules. We have a gentleman that monitors the phone calls on all levels to make sure clients aren’t misled." Mr. Mazzarella explained that the integrity of their employees towards clients is a key element to their business and if that integrity is in anyway compromised, "they are punished suspended or even let go. It happens, any company is going to have a few bad apples, and you have to deal with them properly. If we do come across where a customer was misinformed, we will offer discounts, free months. We want to make sure they are taken care of. I am really proud of what we do here. We have a great track record and great testimonials. I have over 100 recordings of clients ...these are people who are happy enough to lend their voices to recording. Over a 100 just of recording of people who got homes, got cars, said we did a great job. These are real people. If you listen to them, they are clearly not actors. They are people who put their faith in us and rewarded them. That’s why we like to spread the word about what we do here.”
When asked what type of changes they have made to honor their commitment to make things right with the customer per the request of Ripoff Report, Mr. Bryant stated, "Compliance. A lot of it is just making sure on our end that we are above board with the information we give to clients and we don’t mislead them in anyway. Making sure that when we monitor our representatives on our side, that they are doing the job correctly." Ms. Rubenstein elaborated, "If you look at the way our company is structured, more than 50% of our head count comes from operations, disputes and customer service. So if that gives any indication, we spend much more time and resources and money on back end ensuring we do things properly than on acquiring customers and getting them in the door. To us the best source of new customers is existing customers. Anything we can do to create a good customer experience is extremely important to us.”
Parkview Legal is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Ms. Rubenstein further explains by stating, "I am appreciative of Ripoff Report because it give consumers an avenue to talk about their experience, and we never want to stifle a customer’s experience. I think we need to be better about making sure that people that are happy are also on the site, so customer coming are getting a proper representation. For every 100 customers that we bring in the door, there are one or two that are unhappy. We do what we can to make sure they are not unhappy. There are still 98 customers that are very happy. Unfortunately for us, it is the two that go on to Ripoff report, so it is exciting for us to be apart of this consumer advocacy. We want their to be an avenue for people to speak their minds. We want their to be an avenue for other people to research where they should and shouldn’t go. We are all for it. It is a great effort.”
PARK VIEW LEGAL / STATEMENT FROM CEO, NIRIT RUBENSTEIN
"Park View Legal’s mission is to help customers achieve a strong financial future. Park View Legal is a business you can trust who has helped thousands of customers improve their credit scores. Their customers feel safe knowing their disputes are being handled by FICO certified analysts with years of experience.”
Park View Legal's 's staff embraces the opportunity to help clients achieve their financial goals. Park View Legal takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "Park View Legal provides a 100% money back guarantee, 24/7 online portal access, and full transparency on the status of their case.”
Ripoff Report was pleased to learn that Park View Legal's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
PARK VIEW LEGAL – FAQs
"What is Credit Repair?
Credit repair has a negative connotation, but in actuality is a pro-consumer practice whereby you can exercise your federal rights to dispute any credit data you feel is inaccurate and may be affecting your credit rating. The Fair Credit Reporting Act allows all consumers to question items in an effort to ensure an accurate credit rating.
Why Fix My Credit History?
Updating, correcting, or deleting items on your credit report can have a big impact on your credit rating. This may prevent you from receiving lower interest rates when applying for loans and other lines of credit. Improved credit scores can affect your interest rate and can mean thousands of dollars in savings. If you plan on applying for any type of loan, you should correct these errors and secure the best possible interest rate. Your credit can be pulled by any of these:
- Mortgage lenders
- Credit Card companies
- Utility companies
- Television services
- Mobile phone providers
- Even online dating sites
Credit is one of your strongest assets. Make it a priority!
STATED IMPROVEMENTS FROM PARKVIEW LEGAL
Park View Legal recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Park View Legal has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.
In summary, after our review, which included discussions with Nirit Rubenstein, Ripoff Report is convinced that Park View Legal is committed to quality delivery of services resulting in total client satisfaction.
Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.
Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.
NOW TO THE ORIGINAL REPORT THAT WAS FILED
Park View Law, Inc Park View Law mislead me into believing they could improve my credit score. San Diego California
After reviewing my credit report a Senior Credit Analyst gave me a quote for repairing my credit score based on the number of adverse accounts times three for the three credit bureaus. The credit companies have very specific and strict rules about how long negative information remains on your credit report. For my situation, my negative information remains on record for 7 years. I am sure the credit specialist I spoke with knew this information but lead me to believe that several years had passed so the credit bureaus would be willing to remove the negative information. I paid the sizeable fee to start the process. After 60 days a monthly fee of $90.00 kicks in unless the company receives a letter stating to stop it. I contacted the Senior Credit Analyst who looked at the progress of my case and said that it should be further along than that. He offered to waive the first $90.00 fee to give the company another month to get results. Despite this promise the $90.00 still came out of my bank account. When I called to question what had happened I was told that he never stated that. Even though our phone conversation had been recorded no one at the company was willing to listen to that conversation to hear the truth. As a result I spent $600 and had nothing repaired on my credit report. Do not believe them when they tell you they can get the credit bureaus to remove negative information off your report.
This report was posted on Ripoff Report on 10/12/2013 12:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Park-View-Law-Inc/San-Diego-California-92108/Park-View-Law-Inc-Park-View-Law-mislead-me-into-believing-they-could-improve-my-credit-s-1091501. 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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