DirectBuy DirectBuy-SLC Failed to: deal ethically with customer, follow the FCRA, and are attempting to enrich themselves without delivering anything of value. Merrillville Indiana

In September of 2012 my wife and I attended a sales presentation for DirectBuy, at 6918 High Tech Dr, Midvale, UT 84047 (801) 748-1700 and were sold a membership to a wholesale buyers club, that promised up to 70% savings on items.  We put $300 down, and signed up for their in store credit for the balance of the membership.  We were shown pictures of lawn tractors, furniture, and other things. 

In the next few weeks we attempted to purchase a lawn tractor, and found that none were available, but they would work with a supplier to try and get one but it may not be at the savings presented at the sales pitch.  We looked to buy other things and found that had greatly overstated the savings we were to receive.  On October 13, 2012 we asked for a full refund in writing of the membership fees, due to the misrepresentation of the product availability and savings. 

On Nov 28 2012, we sent another letter to DirectBuy, Beta Finance, and the SLC BBB, stating that they had misrepresented their ability to deliver the products and savings, and demanded a full refund.  We also stated that under the Fair Credit Reporting Act we considered this a disputed account. 

After that we heard nothing from either department of DirectBuy until we discovered a delinquent account report on our credit report a few days ago.  Keep in mind that DirectBuy to this date has not delivered anything of value to us.   DirectBuy/Beta Finance has been informed in writing ot at least two occasions that we disputed the debt and has failed to report that it is disputed to the credit reporting agencies.  They also made no attempt to resolve the situation for about 18 months.     

They have even violated their own Membership agreement of submitting disputes they cannot resolve to Arbitration at the local Better Business Bureau. 

It should be noted that in a class action case Swift v. DirectBuy, United States District Court, Hammond, IN 46320, and the New York AG, have both found that DirectBuy used deceptive practices, and ordered refunds of membership fees.  

The local store states that are bound by the policies of corporate headquarters, so all complaints have to be directed at them.