Tanya
Brocton,#2Author of original report
Sat, September 03, 2005
After filing reports with all the state AGs, BBB, Internet Fraud division I did recieve responses from both My Perfect Credit and Harris Digital Publishing for the original money each company charged my credit card. I did not however get a written response from My Perfect Credit. Harris Digital Publishing (Cyberspace to Paradise) did respond to the Orlando FL BBB complaint but stated that I never asked for a refund form. I am responding back advising that the only refund form that their web site gives is the one for My Perfect Credit which I never wanted any part of to begin with. Keep fighting everyone. These companies need to be shut down or at the very least they need to revise their web sites of all the round robin Q & A customer service links and just publish actual working numbers, with actual customer service skilled individuals, and to give up the pretaped canned responses.
Tanya
Brocton,#3Author of original report
Fri, August 19, 2005
I finally received ONE refund for the original $29 I paid for a download from Harris Digital Publishing. This was the company that ends their emails to you with: "as a thank you for purchasing our products, here is a link for a FREE credit report" ... FOR GOODNESS SAKE DON'T CLICK on the link.
As for My Perfect Credit responding to me regarding the "No Cancellation Fee, NO monthly Fee, etc" as listed on the web site. I still have not heard back from them on the the unauthorized charges. Again, this is another example of their "exceptional customer service".
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Date: Thu, 18 Aug 2005 18:11:59 -0400
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FROM: Customer Support
Angela
Houston,#4Consumer Suggestion
Wed, August 17, 2005
They sent me an email but I always check ripoffreport.com before doing any type of business (especially online). I sent them back an email stating that they had been profiled on ripoffreport.com and to please refrain from soliciting me any further. Thanks RIPOFFREPORT!
Tanya
Brocton,#5Author of original report
Wed, August 17, 2005
My Perfect Credit makes every attempt to use deceit in advertising practices, offering POOR CS skills, and looks to pay their "affiliate" companies by collecting names of individuals who they can target in a few months when people are not suspecting. If the company was really offering exceptional CS then their web site and daily activities would consist of mailing itemized info to their "membership", have published telephone numbers which would be answered by legitimate individuals with knowledge and abilities to see the obvious -- send apology letters, and remove individuals from any and all lists in their data basis. If they want to stand by their "exceptional CS" then they would be reaching out to the masses of complaints in other ways then trying to reach us each through this web site, or our own personal email addresses. The second level of review which they mention is as lacking in common sense and proper business form. They use the same automated closed, never sign with a name and title -- no different then the 1st level of service. The company even goes on to close a complaint email by suggesting to the recipient that they should reconsider the membership. I feel I am very capable of reviewing their so called "exceptional CS skills" because I work for a coporation with an outstanding CS call center employing nearly 1,000 people in that call center. My call center is measured in depth by an outside agency whose responsibility is to see that our membership is truly happy, and their issues are being resolved in a timely well processed manner. This company had NO right to bill my credit card, or to maintain a supposed membership without first proving that a legitimate business relationship existed. I am not alone in my complaints. The CA BBB has found this company to have more complaints then is good for any business. How can a company say they have exceptional CS when the companies toll free number either rings busy continuously, or you get a prerecorded message to call their partner about any collections that are due. HMMM ... 1st failed part of a quality customer service center. All people have the right to deal directly with the originating company who is claiming a person owes them money. No published addresses, no phone numbers, shops closing and people relocating . . . HMMM 2nd failed part of a quality CS center. The bottom line is My Perfect Credit uses poor business practices, does not deliver on their promises, does not deliver on their goods and services, and goes on to continue to charge automatic deductions from accounts. They further make it nearly impossible for any one person to get through to cancel an account in a timely manner. When peopel do actually cancel they are only listed on a future list to have a so called "collection agency" call them with threatening remarks and illegal tactics. The complaints on this site should be stopping My Perfect Credit dead in their tracks if they really had any thought to do the right thing. There management, and their employees would be saying wait something is really wrong because there are too many people with the same problem. We must have something wrong with our policies, and business practices. My Perfect Credit does not have the legal capability to fix or repair anyones credit report -- only each of us can hold that responsibility thorugh review and dispute letter to the credit bureaus. I might have a different opinion on this rebuttal if the company did not have such a track record "for years" of utilizing deceit in advertising, and improper selling techniques. They should be on the horn with every major media outlet letting the public know they realize they have a serious problem in their system, and that they are working to fix it NOW. My Perfect Credit would also be more careful about the type fo business partnerships they contract with. 1st Credit of America is not helping the situation and is just showing the true colors of My Perfect Credit. It is a tough job to collect true debts, but I will tell you that every conceivable ill business practice is being taken with My Perfect Credit's partner 1st Credit of America. People in this country need to learn to forward more complaints to the proper authority so that eventually someone will stop all of this ill practice. My Perfect Credit CANNOT continue to do business as normal moving on to the next bunch of people on their list who might not know about this site. They are collecting on membership that does not properly exist and services that were never rendered.
Tamara
La Vista,#6Consumer Suggestion
Tue, August 16, 2005
MYPERFECTCREDIT My advice to you is: listen to your customers. I was also caught up in this, and was reported to the credit collectors for a balance that your company alleges that I owed prior to my account being closed. I called your company immediately after I found out what I was getting into. Free credit report? Yes, with some tangled spider web strings attatched. You first did not listen to me when I called and canceled my account IMMEDIATELY after getting through your web site. In your rebuttal, you say all we have to do is call your company and dispute and some kind of refund could be worked out? I did that the day after the creditors started in on me. YOUR company told me that I could not be helped because the MATTER WAS OUT OF YOUR HANDS, the creditors were collecting. This was no longer your problem. Yeah, well, with all of the consumer complaints to the BBB, AG, FTC, etc., from people like myself, THIS REALLY IS "YOUR" PROBLEM.
R.
Carson City,#7UPDATE Employee
Tue, August 16, 2005
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 [email protected] 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 [email protected].
Tanya
Brocton,#8Author of original report
Mon, August 15, 2005
An unsigned reply came to my continued request for the refund that is due to me for an unauthorized charge placed on my credit card AFTER the confirmation of the "free" trial being terminated.
I cannot believe the nerve of this company STILL ATTEMPTING to enroll me into their "membership services"!
Furthermore, the company continues to tout their ability to improve credit scores -- this simply is not so. They do not have the authority to do so.
There is a way to pay for the services of improving your credit score, the services generally take a one time fee to help a person review all three credit bureau ratings and reports. The one time fee entitles the person to access the information for an entire year for one LOW fee. They help you stay focused on picking out incorrect data, then they help you compose a letter to the credit bureau to ask for them to update, or investigate. These letters however, MUST be signed by the person who the credit report is on. The hired agency CANNOT do this on your behalf.
The ONLY item I agree with in the email reply from My Perfect Credit is: The U.S. Supreme Court has said that individuals are responsible for their Credit Report files maintained at the Credit Bureaus. This means YOU must dispute inaccurate, outdated or unverifiable items...
Then what is My Perfect Credit claiming to be selling?
I am continuing to see this company be held accountable. I absolutely do not want their service.
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Tanya
Brocton,#9Author of original report
Wed, August 10, 2005
Thanks to all the information on this web site I think I am getting somewhere. I just received an email from a "supervisor" at MyPerfectCredit.com's support center:
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Tanya
Brocton,#10Author of original report
Wed, August 10, 2005
Thanks to all the information on this web site I think I am getting somewhere. I just received an email from a "supervisor" at MyPerfectCredit.com's support center:
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Tanya
Brocton,#11Author of original report
Wed, August 10, 2005
Thanks to all the information on this web site I think I am getting somewhere. I just received an email from a "supervisor" at MyPerfectCredit.com's support center:
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Tanya
Brocton,#12Author of original report
Wed, August 10, 2005
Thanks to all the information on this web site I think I am getting somewhere. I just received an email from a "supervisor" at MyPerfectCredit.com's support center:
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T
Brocton,#13Author of original report
Mon, August 08, 2005
MPC VISA (My Perfect Credit VISA) I contacted the business that is listed at the address in my credit report as MPC VISA in Ft. Collins, CO. The tenants in the business suite state that MPC VISA is having them forward ALL mail to: Mr. David Coulter 3187 Red Hill Ave Suite 100 Costa Mesa, CA 97626 I asked the new tenant if the address was to Mr. David Coulter at MPC VISA or My Perfect Credit and she said no it was to be directed strictly to Mr. David Coulter, no buiness. She said that they do not have a phone number for him. I am in the process of filing a police report tonight and will be following up again with the NYS AG.