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SmartCredit.com complaints

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16795 Von Karman Avenue, Suite 230
Irvine, CA 92606 | Get Directions

(877) 372-3895

http://www.smartcredit.com

Call 714.431.0005 or email @ info@consumerdirect.com

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Total Amount in Dispute:
$3,750.00

Total Amount Settled:
$0.00

Complaint Experience

100%

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Some complainants allege unauthorized charges to credit or debit cards. Other clients complain of inability to cancel servcies along with recurring monthly charges for unordered or unwanted services. Still others allege false advertising and incomplete or unclear disclosures concerning financial obligations of members. Customers complain based on the company's website ads they believed they could sign up for services for free with no obligation and no monthly fees.. Even customers who allegedly cancel within the specified time period reportedly also experience unauthorized charges or debits. Some recent complaints allege that this company bought the clients of another credit repair company called Clear Credit. These customers allege that without receiving notice of service changes or being given the option to cancel they began incurring charges on their credit cards and bank accounts which are listed as monthly service fees for My Perfect credit. These customers had not authorized any payment or account debits to My Perfect Credit. The customers contend that the services fees imposed are unauthorized therefore they request credits and immediate cancellation. According to the company's website the only means of cancellation is via the internet site.~~The company generally responds to complaints by ceasing collection activity providing full or partial refunds and referring customers to their email address for additional assistance.

Complaint Closing Statistics

3 complaints against SmartCredit.com closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
3	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

3 complaints against SmartCredit.com

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6/8/2022

RESPONSE: Agreed to make an adjustment Amount in Dispute: $1.00 Amount Settled: $0.00

Customer Complaint

5/20/2022

Credit score Resolution Sought Fix my credit

Company Response

5/25/2022

We have found a registered account under the email address listed. The person has not completed their membership and did not provide credit card information. Also, we do not fix anyone's credit. We are an online user based system that provides tools to our members. She can call during our normal business hours to receive help completing her sign up.

5/26/2021

RESPONSE: Agreed to make an adjustment Amount in Dispute: $3,709.00 Amount Settled: $0.00

Customer Complaint

5/6/2021

I don't recognize that fraudulent account holders for that amount. Resolution Sought To have this disputed off of my credit

Company Response

5/13/2021

This letter is to inform you that we have reviewed the complaint from Mr. Lee. The member signed up with us on May 2, 2021 through United Credit Education Services. This membership with us from this company has no monthly fee and only a $1.00 activation fee. In order to subscribe to this offer, the member has to go through their membership portal with United Credit Education Services and sign up with us through a special link. If the member does not want to continue the membership, he can close online at any time. He can also reach out to use at (877) 372-3895 to close and receive a refund of the $1.00.

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