ClearCredit Aka MyPerfectCredit ripoff, scam, deceive, deceptive, stole, robbed, illegal business, hiding out, changed business name, illegal, took advantage, nasty, unresponsive to email, fraudulent, Carson City Nevada *EDitor's Suggestions on how to get your money back into your bank account!

I requested my "free" credit report from the company then called "ClearCredit.com", as advertised on their website.

This was over 2 years ago. No charges were made on my credit card, and I didn't enlist any of their other services they advertised (for various fee amounts). That was the last and ONLY dealings with them I had.

2 1/2 WEEKS ago,, (2/14/2005), I am paying my credit card bill, and much to my shock, see an unauthorized, unrecognizable charge on my credit card, in the amount of $9.95. It lists the merchant as "MyPerfectCredit", and gives the following phone number,(877 469-7373).

I immediately call this number only to be put on hold by the automated system for TWENTY MINUTES!! I hung up and called again, only to get a busy signal. After redialing several times, I got through, only to be CUT OFF!!

I then tried to reach them by email. Not recognizing the website, I went back in my email "filing cabinet" and found the email from 2 YEARS ago, from ClearCredit.com.

I performed a web search for this site, and was told no such site existed. So, I simply plugged in "Myperfectcredit.com" and found the exact same site that had been previously known as "ClearCredit.com"

I then wrote a scathing email demanding explanation, and my money back, only to get the proforma, "your email will be answered in the order in which it was received, etc etc, please be PATIENT, yada yada."

I AM FURIOUS,, Legal action warrented NOW. I can see from this website, there are numerous similar complaints against this company. My question is HOW, and WHY are they continuing to get away with this? From reading others' complaints, it appears that this has been going on for at least THREE YEARS!!

I realize my loss (as of right now anyway), is only $9.95.

HOWEVER, multiply that by the thousands of people who found themselves scammed the way I did, and the fact that it's been going on for at least 3 years. Well you do the math.

These people (if you can call them that, disgusting) are making millions.! Why would they stop??

The answer is THEY WON'T. UNLESS, legal action is taken in some way shape or form. How,where, who, can I reach to attempt to put these scumbags out of business?

Will someone please help me. I am infuriated by the helplessness I am feeling. I feel violated by this "fictional" company.!

Mary
Columbia, South Carolina
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.

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...the victims' advocate

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...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.

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