ComplaintsforCreditFirm.net

• Initial Complaint

  03/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I signed up with creditfirm.net a few months ago. Recently I have been reaching out with no response. I went on the portal today to let them know. I have had 3 payments deducted out of my account and no changes have been made on my credit report. I worked with ****************** years ago. They helped me get my credit clean and buy a house. I went with credit firm because in 2019 I had late payments reported on my house. I also had a repo. Nothing major so I figured creditfirm could help me for $10.00 cheaper. You get what you pay for. Today I went online to ask that my account be cancelled. All of my notes I sent them have been deleted except for the 1st one I sent in February and now I cant even send them a note. I think they should reimburse me the payment they took out this past week and cancel my account immediately. I wish they could have helped me vs scamming me. I didnt want to have to report them. There was no other option. I think its one person running everyones account *******.

  Business response

  03/20/2024

  Hi ******,
  
  My apologies for the communications issue, we have been having an issue with the notes section in the portal but, everything should be up and running now.
  
  In the 2 months that you have been enrolled with our services, the following changes have taken place;
  
  Equifax removed 5 late payments from the Amerihome Mortgage account (2 x ****** lates and 3 x 60-day lates)
  Experian removed 5 late payments from the Amerihome Mortgage account (3 x ****** lates and 2 x 60-day lates)
  TransUnion removed 6 late payments from the Amerihome Mortgage account (3 x ****** lates and 3 x 60-day lates)
  
  Equifax removed all late payment information from the payment history of the **** USA account but, the payment status still shows "30-days late".
  Experian removed all late payment information from the **** USA account. The account is now reporting as never late on your Experian credit report.
  
  Unfortunately, your credit scores did not increase much due to ******************* reporting 2 new late payments to all 3 credit bureaus and currently reporting that you are 180-days past due on the account. 
  
  The remaining accounts which include *********** Auto, ****************, and 3 accounts reported by JPMCB have verified the accuracy of the account information with the credit bureaus. We are currently waiting on the method of verification and section 609 documents that we requested for the second round of investigations.
  
  I will email you copies of your updated credit reports from all 3 credit bureaus for your records. 
  
  Per your request, I have processed a refund for the last payment, please find the confirmation below;
  
  Refund Confirmation
  Transaction *********** has been successfully ACCEPTED by the system.
  Below is a summary:
  Refund ID: ***********
  Refund Method: XXXX7513
  Refund Amount: USD (49.99)
  Customer Name: *******************************

• Initial Complaint

  05/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I signed up for credit repair services and submitted my credit reports. This was in December. Ive used credit repair before so I know results take around 30+ days. I waited. It was in late December that letters were sent per notes on my account. By the end of January still no word. By February I got letters from the credit companies telling me they were disregarding letters due to the fact that the credit repair agency failed to identify themselves and therefore I have been charged numerous times now and not gotten a single thing because they didnt even follow the rules.

  Business response

  05/02/2022

  Hi ******,
  
  
  Thank you for reaching out to us through the BBB portal and allowing us an opportunity to resolve this issue. According to our system, you enrolled in our services on 12/22/2021 but, we did not receive a payment on your account until 2/28/2022 (see attachment). In total, we have received 2 payments of $49.99 each for a total of $99.98 (2/28/22 & 4/30/2022). 
  
  
  Although we did not receive a payment on your account for some time, we still contacted the credit reporting agencies in order to do the work that you requested. Per your request on 5/1/22, we submitted your request to cancel your service and sent your refund request to the billing department for review. Once we have completed the review of your case and have an update together, the billing department will contact you regarding the refund.
  
  
  Although your update is not fully completed, based on the preliminary information from your updated credit reports dated 5/2/22 (see attachment), there has been progress in the removal of several derogatory accounts from your credit reports including ARS / ****************** Services ($360 collection) & ************************ (account included in Bankruptcy) removed from Experian, and ******************* ($600 collection for Checkmate) removed from all 3 credit reports. 
  
  
  Once the update is fully completed, the billing department will reach out to you regarding your refund request.

   

  P.S. Regarding the TransUnion "Stall Letter". As we explained in our email, the credit reporting agencies periodically send stall letters to discourage consumers from working with credit repair services, which end up costing them lots of money through all of the investigation requests that we initiate. But, as you can see, in the updated credit reports, the investigations are still being processed and removals are still being made. 

   

  P.P.S. Looks like our attachments are a bit too large for the BBB's portal so I'll have them sent directly to your email

   

   - *******

• Initial Complaint

  10/22/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello, the creditfirm.net accepted a(n) payment, then, they claimed to have not been paid. They claimed of an alleged 'power of attorney' signature required for the guestimate offer for payment of a(n) an alleged creditor credit listing. I do want a refund. I paid using a(n) prepaid ***** The number they claimed to have used came back as a used account with no original purchase to the creditfirm.net; showing a blank with no ever purchase. The page clearly states an immediate pay upon issuer card number; this, from the creditfirm.net seven days later.Sincerely,**************************** *****************************

  Business response

  10/26/2021

  Hi ******, 

  Attached, please find the transaction detail for the charge we tried processing on 10/18/21 and for the retry on 10/21/21. As you can see, both transactions were declined. Regarding the billing date, per the credit repair agreement, which you agreed to on page 3 of our enrollment form, the initial charge is deferred for 5 days from the date of your enrollment to allow us the time to access your credit reports, process your file, and initiate work. Ultimately, no payment was received by us, which you can verify if you contact your bank. 

  Customer response

  10/27/2021

  When a person looks up the website, for a person to future, the payment information is given, then the next page prompts.  The site clearly states that the payment is made 'today.'  In addition, the mediating was stated to bea(n) 24 to 48 hour response in my erasure and deletion attempt.  But, the response was never given.  Please excuse me, just victimized at the Aldi's across from ********* here in ******, ******, electrocution.  
  I am rejecting this response because:
  
  Regards,
  
  *************************

  Business response

  10/28/2021

  ****************,
  
  I'm sorry to hear about your issue at Aldis, hope you're okay.
  
  Per the pricing page on our website, located here: https://www.creditfirm.net/pricing
  "Your first payment is charged 5 days after enrolling in our credit repair services program. This will allow us 5 days to set up your case file and initiate your first round of investigations. All future monthly payments will be billed on the same day of each following month for our services."
  
  - -
  
  Per the second page of the enrollment form, above the payment field (see attachment):
  "$49.99 per month Starts in 5 days"
  "Your first payment of $49.99 is charged after your account is set up and all the work to initiate your first round of investigations is completed. All future monthly payments of $49.99 will be billed in arrears on the same day of each following month for services already rendered."
  
  - -
  
  Per the credit repair agreement on page 3 of the enrollment form;
  "Fees are collected on a periodic basis, but only for services previously provided. Because fees are charged after rendering services, fees are generally not refundable.
  A First Work Fee of $49.99 is charged five days from the date of this Contract. This fee will be charged after related services have been fully rendered.
  When you elect to continue our services, you will be charged $49.99 at the end of each service interval, for work previously and fully rendered. Charges will be processed on or about the same day of each month for each service interval until you elect to suspend or cancel service."
  
  
  - - 
  
  
  We do not charge our clients the day of the enrollment and do not have anything on our website stating that we charge the day of the enrollment.
  
  
  Ultimately, we did not receive payment - you can verify this information by contacting your bank.

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