Report: #151461

Complaint Review: MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America

MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America ripoff, scam, debt collection Carson City Nevada

Reported By:

— Stockton California
Submitted:

Wed, July 27, 2005
Updated:

Fri, March 23, 2007

MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America

1805 N. Carson Street, #419

Carson City, Nevada

U.S.A.
Phone:

877-469-7373
Category:

Credit Services

*Consumer Suggestion: Heres what you do!!! *Author of original report: Nevada Attorney General this company is under investigation *Author of original report: The address listed by MyPerfectCredit belongs to Carson Mail Depot. *Author of original report: Brand Interactive *Author of original report: The Clearcredit.com/Myperfectcredit.com tie *Author of original report: Harris Digital Publishing Phone Number *Author of original report: Brand Interactive/Carson Mail Depot not involved *Consumer Comment: Do any of then Ever Quit? *Consumer Comment: Do any of then Ever Quit? *Consumer Comment: Do any of then Ever Quit? *Consumer Comment: Do any of then Ever Quit? *UPDATE Employee: MyPerfectCredit Rebuttal *Consumer Comment: Harris digital publishing. jean harris, Customer care , Cyberspace to paradise , Net detective

In March of 2005 I signed up for a free credit report and services from MyPerfectCredit.com. I was supposed to receive an User ID and Password via email so I could sign in. That information never arrived in my email. I called on March 14, 2005 and asked where that information was and they said they would send it. It never arrived.

On April 6, 2005 my debt card was assessed a charge of $30 by MyPerfectCredit.com. I called customer service on April 10 and spoke with a service rep. and explained the situation. She said she would send me a cancellation/refeund request via email and my refund would be processed within 24 to 48 hours. I did not receive the cancellation notice.

On April 14, 2005 I called again and requested a cancellation/refund. I was told where to retrieve the request online. I immediately filled out the request, submitted it with the information listed above and I was promptly REFUNDED the $30 that was charged to my account.

On July 20, 2005 I was contacted by 1st Credit of America regarding a debt of $165.65 that I owe to MyPerfectCredit.com. I was told that I needed to pay the debt or it would be attached to my credit report. I explained the series of events and they directed me to contact MyPerfectCredit.com.

I immediately contacted MyPerfectCredit.com and the customer service rep said that she was unable to help me at Level 1 support, but she did provide me with the confirmation numbers of the phone calls that I had made. She said that only Level 2 support could help me. I asked to be transfered to Level 2 support and she said she had no way of transferring or contact them. I had to contact them via email. I asked her what I should do in the meantime and she said that in order to dispute the debt I had to do it through 1st Credit of America.

I called 1st Credit of America back and they told me they had no dispute process in place and that collection would continue until such time that MyPerfectCredit.com informed them otherwise.

On July 21 I sent both organizations a letter outlining the details above and included a copy of the cancellation that I had submitted to the company on April 14. I have given them 5 business days to resolve the matter, at which time I will take legal action against both companies.

To date, July 27, I have received nothing in writing from either company, including a correction, a validation of the debt, nothing. I spoke with Ms. Bullard at 1st Credit of America (1-866-505-8249) and attempted to explain where I was and asked her to stop calling until this was resolved. She immediately asked "Are you refusing to pay this debt?" and I told her "of course." She then stated that the telephone calls would continue until I paid the debt.

Here's the great challenge of this. MyPerfectCredit.com is a Nevada Corporation, which means that the organization does not reside in Nevada. The physical address given on the website for MyPerfectCredit is actually a company called Val-U-Corp a Nevada Incorporation Service. The fax number of (425) 977-8729 is in Bellvue Washington. The company is governend by the laws of the State of California and arbitration takes place in Orange County California. Does anyone know where these guys have actually set up shop?

STAY AWAY FROM MY PERFECT CREDIT!

At the end of this week if I have not resolved this matter with them, I will be contacting the BBB, FTC, local news organizations and a lawyer. If it becomes a legal case, I will be seeking a substantial punitive judgement.

Eric
Stockton, California
U.S.A.

13 Updates & Rebuttals

Tom

Grand Rapids,
Michigan,
U.S.A.

Harris digital publishing. jean harris, Customer care , Cyberspace to paradise , Net detective

#14Consumer Comment

Fri, March 23, 2007

Wow, the more I learn about this company/companies the slimier it gets. I too have been a victim of Harris Ditital publishing/Customer care dot com/Cyberspace to paradise, inc./jean harris(not a real person I've heard)/Net detective/others(will the real owner please stand up)Is this a vieled threat by the employee above? It sure looks like it.

The question is not wether they honor their money back guarantee, it is why they mislead people to purchase their product in the first place. A guarantee does not forgive dishonest advertising. I've read somewhere that only 4% will bother to request a refund, and it is probably less because of the complicated process and the five page refund form. This is highly profitable for (dang, I'm not sure which name to put down, there's so many)

Rachelle

Carson City,
Nevada,
U.S.A.

MyPerfectCredit Rebuttal

#14UPDATE Employee

Tue, September 12, 2006

MyPerfectCredit makes every attempt to clearly identify any customers who may post to this site. Should the individual contact us and simply explain why they are disputing any balance or request a one time credit waiver, MyPerfectCredit will be very responsive to the request.

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.

Carol Ann

Las Vegas,
Nevada,
U.S.A.

Do any of then Ever Quit?

#14Consumer Comment

Tue, June 27, 2006

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!

Carol Ann

Las Vegas,
Nevada,
U.S.A.

Do any of then Ever Quit?

#14Consumer Comment

Tue, June 27, 2006

Carol Ann

Las Vegas,
Nevada,
U.S.A.

Do any of then Ever Quit?

#14Consumer Comment

Tue, June 27, 2006

Carol Ann

Las Vegas,
Nevada,
U.S.A.

Do any of then Ever Quit?

#14Consumer Comment

Tue, June 27, 2006

Eric

Stockton,
California,
U.S.A.