I was contacted by Accurise after filling out a form to qualify for a home loan for people with bad credit. Shortly after, Matt Horak contacted me and I cautiously agreed to their overpriced $60 credit check to find out if they could help me.
I was called back and told that I was a perfect candidate with a total of 31 bad credit items (this is 31 total across all 3 reports). I agreed to pay them $400 for 90 days and was told that I would start seeing items taken off in approximately 6 weeks, with 3 months netting me an approximate 100 point gain on average. Of course they couldn't guarantee this, but this is the claim Matt made to me.
I was sent a Docusign document on the 21st and did not sign or return it. However, my card was charged on July 21st (the charge completed on July 24th). This was before I agreed to anything. After some back and forth and promises that I would absolutely not be charged any further, I sent the signed document back 9 days later; A full 9 days after they took my money.
I was assured by Matt that if I was not happy for any reason, I would receive a refund. Obviously I should have read the fine print, but if you misrepresent your company and/or product, it's your fault and you have a responsibility to live up to those promises. I was also assured that I could reach him at any time and he proceeded to outline how it would work and how I would know it was working.
Fast forward to September 21st and my card has a charge attempt for $79.99 on it. They actually tried to charge me twice that day, by two different merchant names. Fortunately I used a card I have to pre-pay because I didn't trust this company. I called Matt, no answer. I left a message to no reply. I called customer service and was assured my account would be cancelled and someone would contact me regarding my refund.
Two days later on September 23rd they attempted to charge me again. I called Matt and left another message. I called customer service and again was told my account was cancelled and they would no longer be charging me. I was also told I would receive a phone call by Monday, September 26th. I did not receive a call.
Today, September 27th, they attempted for the 4th time to take money from my account. I attempted to reach Matt Horak to no avail. I have tried customer service 3 times today and been sent to an answering machine on each attempt.
The bottom line: I can afford to eat the $400 for making a bonehead mistake and ignoring my instincts. The real problem here is that this company is praying on people who can't afford to be scammed, and they simply don't care. Not only are they dishonest, they're cowardly.
Today I have filed complaints with the FTC and BBB. I have also filed with my credit card provider to have the charge reversed and have had to cancel my card and order a new one. This complaint posting is simply to hopefully warn potential customers.
Please do not give this company your hard earned money. They pray on the trusting and desperate and in my case, simply did not deliver on any of the many promises made.
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