- Report: #1092688
Report - Rebuttal - Arbitrate
Complaint Review: United Credit Consultants
United Credit Consultants14480 Ewing Ave S Ste 103 Burnsville, Minnesota USA
United Credit Consultants UCC Joseph McGlynn and UCC failed to achieve the promised results and refused to refund my money Burnsville Minnesota
*General Comment: same experience
*Consumer Comment: Sounds like my experience
*Author of original report: I paid UCC $1260 and did not receive the promised results
*Author of original report: I paid UCC $1260 of $1300 and did not receive the promised results
*UPDATE Employee: Has not completed payment of services
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After hearing his radio show and seeing his company was BBB accredited, I met with the owner, Joseph McGlynn in Dec 2012 to discuss credit repair. I told Joe I wanted my credit cleaned up to buy a home in the summer but I had various foreclosures and charge offs on my credit report. I handed him my credit card to use to pull my credit card which he said costs $1...he reviewed it for a moment. Joe then said this would be a relatively easy fix but that it would take several months. I hesitated that his services would work to which he responded something to the effect "the credit agencies have to remove any negative info that can't be verified and they can't verify any of it"
I was still hesitant but Joe being the smooth talker and salesman that he is then he said his company has an 86% deletion rate and has a money back gurantee of the goals in the "client goal worksheet are not achieved. It was this guarantee that made me agree to sign up and pay $1300 ($130/mo) for his services over 10 months. I signed a few things and completed a goal worksheet that stated my primary goal was to be in a position to be approved for a house purchase in 5-8 months. We both signed it and away I went thninking all would be good.
Several weeks later I noticed a charge for $15 on my visa and another for $140 soon after. I contacted UCC and discovered that they had signed me up for credit monitoring with privacy guard (they forgot to mention this) and the $140 charge was the $130 monthly payment plus a $10 fee(also forgot to mention this). I contacted Joe about this and he responded basically saying I could cancel the credit monitoring if I choose and that he would split the $10 fee with me so my monthly bill would be $135 and he would send me some giftcards to a local furniture store. The billing stayed at $140 and I never received those giftcards. This misrepresentation from the start had me a little worried that I made a mistake but Joe reassured me and said to let them do their job.
For the next 10 months I let them do their job. I had approximately 6 items out of 40 that were either deleted or repaired. 2 of these were me doing a pay-for-delete with collection accounts. The actual results I achieved from the efforts of United Credit Consultants was pitiful and nowhere the 86% that Joe bragged about in our first meeting. Over the summer time I contacted many lenders and was turned down for a new loan because of all the foreclosures and old charge offs still reporting.
In September 2013, after paying UCC over $1200 over a 9 months period I had had enough. I refused to pay them another dime and sent them a letter and email wanting a refund for failing to achieve the promised results. After a month of pestering them and filling out forms and providing a current credit report Joe finanlly responded. He basically said I had to pay the the remaining balance and give them another two months to work my file. I said the goal timeframe was over and I was tired of the lack of results and communication. He them said "asking for a refund before the entire amount is paid is like trying to return a shirt before paying for it" Ummm Ok Joe...I guess thats true if the shirt you are returning is only a sleeve but I paid 95% of a whole shirt...nice try. He also stated that the negative accounts that still remain must have been verified. What!!! What about the claim that they can't verify anything?? He then said my refund request was void.
This company over promises and under delivers. The guarantee is a sham as if you read the fine print its next to impossible to get a refund. They do not intend to refund anyones money but love to pitch that part in the selling of services. Use them with caution as I am out $1200 but intend to sue them. They don't do anything special that someone can't do themselves and achieve similar or better results. I certainly have learned a leason.
This report was posted on Ripoff Report on 10/17/2013 02:24 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-Credit-Consultants/Burnsville-Minnesota-55306/United-Credit-Consultants-UCC-Joseph-McGlynn-and-UCC-failed-to-achieve-the-promised-resul-1092688. 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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