I received a call from First Credit of America (FCOA) today stating like many others on here that I owed a $59.95 cancellation fee to Clear Credit. From the beginning the lady was rude. Different from many others I was a customer of Clear Credit and they did provide some service although not as good as they said they were. That was 3 years ago. I paid the service in full at the time and they even over billed me and refunded me back my money without any issues. I have tried to contact them over this but their website no longer has a phone number which makes me wonder and the listing in the directory is no good.
I told the lady at FCOA that I needed proof of this bill. She told me their policy was for me to pay first and then send the proof of the bill. I told her under the Fair Credit Act that they are required to provide me with written proof of this bill and that until I am notified in writing of this bill I am not under any obligation to pay it; which is the law. I told her if she would kindly send me a copy of the bill and the supporting document that show I owe this, I would gladly pay it. She told me that is not how they operate and that if I did not pay it, they would report me to the credit bureaus. I told her that if she felt like doing to do so and I would protest it to the credit bureaus and then she would have to provide the same information to them and still have to provide it too me. It was obvious that she did not know the law and was just trying to threaten/scare me into paying.
She had my address and said she would send me the information. Based on what I have seen on here, I will probably never see it. But I will be keeping an eye on my bureaus.
If you get this call, demand that they provide you with WRITTEN PROOF that is the law and you do not have to pay a dime even if you owe the money until they provide you with this proof. If they just send you a bill, you then have 30 days from the day you receive the letter to request written documentation of the bill. Just because they send you a bill does not mean you owe it.
The other issue for me is that I have my agreement and terms with Clear Credit. Nothing in it says there is a cancellation charge. So have them provide how the terms of the cancellation charge works. They will not be able to prove it.
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