I feel this company purposefully answered my ongoing repeated questions of concern and confusion in a way that ensured they got to keep my money each month. Even though they make a grand promise to credit it back if no results are acheived.
On their website, they guarantee to refund the monthly fee if they do not get something negative removed from your credit report each month. Over the time I was with them, I emailed over 20 times to clarify what my obligations were in order to be successful at receiving fee credits... They kept saying, "send in the credit reports you receive in the mail." I did EXACTLY THAT. I faxed all reports I ever received.
I continued to raise questions as to why I was not receiving reports and/or credits... They never offered supportive insight or solutions other than to say, we've launched reports... Watch for the reports to come. (The reports are mailed to the customer and the customer must fax or mail in the reports received to CBexperts.com.)
They now tell me, 7 months later, I didn't receive monthly fee credits because I didn't fax in ALL THREE agency reports monthly. I didn't comply with the agreement signed according to them. I actually never received any reports from one of the credit report agencies so I had nothing to submit. It was my understanding, the responsiblity was theirs to initiate reports... Not mine to pursue.
But listen to this, the Supervisor today said they were electronically pulling up (and looking at) the missing credit report they say I failed to fax in. He said they could see that the agency in question didn't have my current address. (I have mail forwarding, where did those reports go?) They admit they saw the missing reports. They apparently knew I might not be receiving those particular reports and also became aware that they had not been successful in removing any negative items.
How could their intention be real given those facts? Each time I emailed, it appears in hindsight they likely knew it was impossible for me to comply and therefore receive the credits. Yet they never said a word in answer to all my numerous emails. I have every email I ever sent to them. There's no email response until TODAY, as the dispute finally escalates, clarifying I have to send in ALL THREE credit reports monthly.
CBexperts also said it launched investigational challenges every month? I highly doubt that. I didn't receive sets of credit report each month, which would be the end result. It's now July and I didn't get anything for May, June or July.
These people did not return my phone call. And when I finally got a manager on the phone today, he was nothing but abusive and resistant. He wouldn't give me what I understand the law requires he do... Provide a further dispute resolution phone number and/or address. He even hung up on me as I persisted in my request.
I THINK THIS COMPANY IS A NIGHTMARE. I would love to help someone pursue a class action lawsuit against Credit Bureau Experts.com.
Could it just be incompetence? I highly doubt it... in my opinion, what I experienced is too practiced and felt very deliberate.
At the least... The Feds should be looking into this. My experience has all the signs of a well crafted fraud.
Anna,
Centralia
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