Complaint Review: Personal Credit Services

I was thinking about this and very nearly did it! After checking these reports, I went to BBB and found this today.

PERSONAL CREDIT SERVICES, INC.
321 Dante Court
Holbrook , NY 11741
View Location Map

Principal: Rick Dennison,

Phone Number: (631) 930-6422

Additional Phone Numbers:
(516) 238-6199

Fax Number: (631) 240-5879

Website: www.personalcreditservices.com

Type of Business: Advance Fee Brokers

Membership Status: This company is not a member.

The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.
Out of Business Information

This business is no longer in operation for the following reason:
Mail Returned by Post Office - Left no Address
Nature of Business

In February 2007 mail sent to this company was returned by the post office. According to information received by the BBB, this firm targets consumers with poor credit histories, promising them guaranteed loans in exchange for a fee. Consumers are instructed to send money; consumers note that subsequent to forwarding the required monies they do not receive the promised loan. ***Consumers should note that advance fee loans are illegal in the United States and Canada. Consumers are advised not to give personal information to random firms offering loans, grants, credit cards or unsolicited services over the phone. In New York State a loan broker may charge a fee of no more than 1/2 of 1% of the value of the loan.***
Customer Experience

Based on BBB files, this business has an unsatisfactory record with the Bureau, because there is a pattern of complaints, and the business has not corrected the underlying reason for the complaints.

The company's size, volume of business, and number of transactions may have a bearing on the number of complaints received by the BBB. The number of complaints filed against a company may not be as important as the type of complaints, and how the company handled them. The BBB generally does not pass judgment on the validity of complaints filed.

Complaint Outcome Statistics:
Complaint Outcome Last 12 Months Last 12..36 Months Total
No Response
The Company has failed to respond to complaints 46 18 64
TOTAL 46 18 64

Complaint Issues:

Please understand that complaints may concern more than one issue
Complaint Issue Last 12 Months Last 12..36 Months Total
Advertising Issues 6 4 10
Contract Disputes 0 1 1
Credit or Billing Disputes 3 0 3
Delivery Issues 3 0 3
Guarantee or Warranty Issues 8 2 10
Product Quality 5 0 5
Refund Practices 8 3 11
Selling Practices 4 1 5
Service Issues 9 7 16
TOTAL 46 18 64

Report as of: 4/30/2007


Now, I called their 800 number, of course no answer. But, when you read their site, under their FAQ, they state:

Can I speak with someone personally?
Unfortunately we do not offer phone support at this time. However, we are available to answer any of your questions by email. You may Contact Us 7 days a week. We normally respond within 1 business day.

THIS should be EVERYONES very FIRST clue. If you can NOT speak with a live person, then there is something fishy.

Thank you everyone who has reported on this. And my deepest regrets for those who were taken. I only hope that more people find this information before making the rash decision to go through with it...like I almost did. Good luck to all in getting this resolved, and for those thinking about it. FORGET IT!

Cheryl
Edinburg, Virginia
U.S.A.

STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!

Click here to see Rip-off Reports filed where consumers say thank you Rip-off Report & badbusinessbureau.com, that we saved them money. Not included are the thousands of thank you e-mails we get every week.