Was referred to BCS America dba Tradeline through a mortgage company in June. The mortgage representative referred me to call BCS America and that they could raise my credit score 100-150 points around 90 days.
At that time, the mortgage company would reevaluate my credit situation and assist me in getting a home loan. I called the number I was given from the mortgage company, Mr Ron Harris at 480-924-8629. Ron Explained that what I was told from the mortgage company was accurate. The program consisted of pulling all three bureaus and disputing inaccurate information.
I asked Ron to fax me information on the program, which he faxed me two sheets explaining the basics, just as both he and the mortgage company had done. Based off the information and the way that the company was presented to me, I gave Ron the authorization to deduct my checking account in the amount of $425.00. Within a day, I recieved an email, like they had promised, explaining "how the credit system works." This was promised as letter 1 of 15. The following week, I recieved letter 2 of 15.
On June 30 I recieved an email from Ron that contained letters that I was to mail to the credit bureaus. I reviewed the letters and found that everything he wanted me to dispute was factual credit accounts. I explained this to him immediatly and he told me to send them anyway. I did.
After a month, nothing was happening. Ron was not calling me for anykind of updates and I never recieved another email or letter. I called Ron and asked him what to do. He told me to wait. Here it was already over 30 days into this "program" and nothing was happening. At the same time, I was trying to get ahold of the rep from the mortgage company, who understandably was going through health problems that prevented him from returning my calls. I called the mortgage company back around July 27th and spoke with a manager by the name of Craig Smith.
I explained the situation to him and he said he would pull the file and call me back. To this day, when I call he is with a client. To this day, I have had no returned calls from the mortgage company.
I called Ron Harris around the second week in August explaining that everything that they had promised was not happening. I had also recieved a letter from one of my creditors accusing me of fraud for attempting to dispute the accurate acccount! I told hime that I was very disappointed with the entire ordeal and wanted a refund. BCS had done absolutely nothing they had promised. He told me there would be no refunds. I asked for the corporate number, which he did provide as 603-332-0995.
I immediatly called and left a message, provided my work, cell and home number for someone to call me back. After two days, I still heard nothing. I called back again and this time a female receptionist answered and told me all the managers were in a meeting for the next few hours. Again, I gave her all my contact inforamtion. Still no returned call.
I kept calling on a weekly basis trying to reach someone to no avail. I then decided to pursue the better business bureau.
On September 7th, I ran across the owners email address [email protected]
I emailed him the letter that I sent to the BBB for his review. This is the response I recieved:
Mrs.,
We appreciate your request, but it does not make much sense. We have 3 full time employees doing ONLY Customer Service, Monday through Friday 9 am to 4 pm est. They often sit here with not much to do because this is not an emergency business where people call in needing something right "now". So to say you have called here and left messages and they are unreturned is ludicrous. If you called even one time during normal office hours... Your call would have been returned within 24 hours. That is our policy.
Hopefully you read the contract you electronically signed and retained a copy of it. You can go online to the website and print one to review. We are in a contract for an entire year. As your anniversary date approaches... We will do an evaluation on your account. Each deletion or change to your report will have a value of $50 per change per bureau. This work performed is added up and if there is a refund of any monies... It will be sent to you.
We are NOT a credit repair company... We are an educational company with a do-it-yourself disputing system we assist you with. You were instructed in the Instruction Letter to completely review the dispute letters you were sent... If anything was erroneous, you were to contact the office immediately. We make it very easy to contact us... 603-332-0995... [email protected]... 145 Old Dover Road, Rochester, NH 03867. We have over 600 active clients coming in monthly who are not having any of these problems.
Please re-review your position and forward all correspondence to us immediately.
Thank You,
H. Bruce McInnis
President/CEO
BCS America
Cc - NH BBB
Cc - Heustess permanent file that THEY listed it as a credit repair company.
Original Message
From: s h
Date: 09/07/04 19:36: 57
To: [email protected]
Subject: Re:
I did find your BBB report. Ironically you are listed as being in the "credit repair services" catagory. How odd?
_
From: "bruce mcinnis"
To: "Shannon "ronharris121"
Subject: Re:
Date: Tue, 7 Sep 2004 18:44: 40 -0400 (Eastern Standard Time)
Sorry,
We forgot to respond to the Educational System question. Every single
customer had received numerous emails... Each with either an attached
lesson or the latest email to everyone had the new password to the MEMBERS
LOGIN button (bcsamerica) on the website. I can guess that you haven't
been receiving your emails?
Again... Research the complaints at the BBB... 5 1/2 years... 2
complaints. A record few companies ever attain.
H. Bruce McInnis
President/CEO
grew up in a time when a contract was a handshake. Over the last 20 years that has changed. I have had to put contracts in place to protect me against people that would use me and try and take even the little fee I might charge for my services, whatever it may be. BCS America clearly provided a service for you. As you know when you heard about us... We were referred... We do not advertise... Only people who have used us and have had results refer us. Isn't that amazing! We delivered everything we agreed that we would. It amazes me that everyone else can reach us and you can't. Even the BBB can reach us and we can respond to them so easily. As easy as a phone call... An email, like tonite... You reached someone within minutes... Simply amazing! I can bet you even have results back from the credit bureau investigations that you haven't forwarded to us.
I assure you that we will respond to slander. We have documented proof of what we have electronically signed and communicated with you. We have proof of the dispute letters drafted for and sent to you. We are not taking this lightly and would rather mediate this peaceably, but will do what is necessary.
Please forward the materials sent to you by the credit bureaus so that we might complete your process with you and that you might not violate your contract by failure to comply.
We await your results,
H. Bruce McInnis
President/CEO
I continued to explain to Bruce that I was never explained the refund policy nor did I ever sign anything, physically or electronically. I offered to fax him what Ron did give me and he ignored that offer.
In other emails the same night, he called me an "angry lady" and still insisted that I had signed. I am still waiting for proof.
The horrendous attitude I recieved from the owner alone makes me sure that I do not want to do business with this company. He told me I should have called around to find out about his company because "thats what he would do" I have never had to call around to watch my back with a company before. I can assure that I will now.
This morning Septembe 8th I recieved this email:
Log on to www.tradelinesystems.com... Click on Members Login... Password is
Enjoy learning the series!
More to come!
BCS America Staff
This email was more of a giant F - Off than anything.
BCS has done nothing for me to warrant retaining a fee of $425.00 They refuse to show me were I signed anything. He claimed he was trying to mediate - If mediating things is telling me what an "angry lady" I am and how "ludacris" I am than thats another side.
I want a refund. I pray that no other person has to deal with these people. I hope that this message is read by anyone thinking of employing them. If you work with them, be ready to be threatened by "what ever is necessary" and berated.
BCS AMERICA
145 OLD DOVER ROAD
Rochester NH 03867
603-332-0995
[email protected]
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