Commonwealth Marketing Group

Review: When I signed up with them, it was my understanding they would help build my credit, by giving me a 12,500.00 dollar credit limit and make timely reporting to credit agency's all for 149.00.When I recently starting using the business, I found that my credit limit was lowered to 2500.00 dollars and they stopped reporting to credit agency's.And, every time I ask when and will they start reporting their response is we don't make the rules, and we don't know, or their in talks. This has been going on for sometime now.And, they are not honoring what I paid for, so they scammed me out of $149.00. "No notice" was ever receive via "written document delivered certified mail", that they would be stopping this part or all of the service, or discontinuing that part of the contract. Nor, was their ever a specific time limit on when I had to use this service or part of the contract for which I paid for.Desired Settlement: I want them to start reporting in a timely manner to the credit agency's like they was originally suppose to be doing for the money I paid them to do so. And refund the $149.00 that was paid to them to perform this service which was never done, to complete satisfaction.

Business

Response:

This letter is in response to your May 1,2014 letter and the Complaint ID No. [redacted]

Review: Hello my name is [redacted] and I would like to file a complaint against this fraud credit card service (UNIQUE CARD SERVICES ., [redacted] , ###-###-#### )who is not a legit company. I was following up with my bank who informed me that I had a charged to my account from this scan company, I did not authorized for anyone to charge my bank account . I spoke to someone today on the phone on (07/17/2014) to a very rude person christina as she say she was, I just had a thyroid surgery a 2 days ago, I as very rudely talked to by the representive who cursed me bad then hung up the phone on me. I was told that I was going to be charged a ten dollar application fee for cancellation for a service that I did not apply for or who know anything about. these scammers are trying to steal people money., I am currently disabled who does not need anyone from this fake credit card services ripping me off. Unique Card Services [redacted] is not a legit company all I want is my money back from these scammersDesired Settlement: I want my full money that was stolen from my bank account and a full investigation into this scam company

Business

Response:

I am replying to the Complaint ID No. [redacted], which was received with your July 18 letter.

Review: USA Credit, a DBA of Common Wealth Marketing Group, has been taking $10 a month from my bank account for the last 8 years. I cancelled the credit upon recieving the notice of what a scam it really was imediately after getting the letter. I never looked back. I was researching my account and found a charge I couldnt figure out so I called them to verify who they are. The porthole to get in on a phone call was almost impossible. It must have kicked me off the line at least 5 times, but I stayed persistent until I figured out that it needed my zip code from where I was living when I started the account. Very trying. This company scams people. I remember calling and stoping it due to it not being a real credit card I applied for, but a catalog of items you can buy from them on credit. This was so long ago I cant believe they can disregard a request for stop. The fine print must have shown that it came with a credit protection service of some sort. That was never cancelled. In fact I wouldnt even have known what was happening if I hadn't been looking for a small amount that was charged as well. Buisnesses like these are fundamentally fraudulent. There should be a law that keeps a company from billing someone after years of inactivity. 8 YEARS!! How many people have been raped by this company. I wish I knew back then what I do now.Desired Settlement: They should pay every person back what they have been charging them after a year of inactivity. That would be 7 years in my case. They said they would refund 6 months. This company should get the death penalty.

Business

Response:

See attached File

September 26,2013

Dear Mr. [redacted]:

This letter is in response to your September 25,2013 letter and the Complaint ID No. [redacted]

enclosed therein.

The complainant enrolled online with USA Credit on December 3,2004. At that time, he

provided, during the course of a multiple page, multiple part application, the complainant

furnished a great deal of personal information in opening account, including name, address, SSN,

phone number, date of birth, bank routing and account number, e-mail address. He selected his

Mother’s Maiden Name as an additional identifier. The applicant’s information appears on the

printout of his account from our customer database, attached. Also included on that sheet are the

Internet Protocol address of the computer from which the application was submitted, and the

precise date and time that the application was submitted. Mother’s Maiden Name: [redacted], also

appears on the account printout.

Since the time of enrollment, our company’s name and toll-free telephone number appeared each

month on the account holder’s bank statement, together with the amount debit for the monthly

benefit service - TrueCredit, by TransUnion . The member had available to him, at our cost,

Sep/26/2013 11:34:02 AM Commonwealth Marketing Group [redacted] 2/5

access to TransUnion’s credit care product, in addition to membership in the USA Shopping

Club. His member packet was mailed to him on December 14, 2004, and was never returned to

us as undeliverable.

On September 24,2013, and apparently after filing his Complaint with your office, the member

called our member services department. At that time he questioned the charges on his bank

account, was reminded of his membership, and he asked to have the account cancelled. As

purely a good faith gesture, the member was refunded the amount of $59.70, which he agreed to

accept. He was provided a cancellation number and appeared to be satisfied with the disposition

of his call. That call was recorded and a tape will be made available for your use upon request.

With respect to the Complainant’s statement that he tried repeatedly to contact us, we have no

record of him having done so prior to the call on September 24. Moreover, as our company has

not actively marketed memberships since October, 2011, and are merely servicing existing

customers, our call volume is quite small, and so member calls are answered promptly.

We trust that this information is responsive to the Complaint, but feel free to contact me at : [redacted]

[redacted], should you have any questions.

Sincerely,

Consumer

Response:

As I stated clearly, I tried multiple times to get through and finally did. I never said I tried on multiple days. Also please play the recorded conversation. I was extremely upset and told the rep a few times they have been cheating me and others. Of course I would take $60 back after years of being tricked. All of the additional retort stating I filled out paperwork, and my mothers maiden name is a smoke screen. This company is cheating people by making it very difficult to stop automated charges detailed in the fine print. This product, along with a few more just attatch to your accounts and go from there. My wife, and the bank personel all thought it was a gym membership. Cheating, lying, stealing and completely a fastest gun in the west way of doing business. Hope your company gets the Karma it deserves.

Review: USA credit has been deducting $19.95/month for the past 9 years without my approval. when attempting to file a complaint, the sent me information for an investigation with a fax number that's always busy. they stated that the transaction were approved by my IP address. I NEVER approved those transactions. A police report with Vallejo Police department was submitted.Desired Settlement: A full refund of the fraudulent charges.

Business

Response:

This letter is in response to your February 5, 2014 letter and the Complaint ID No. [redacted] enclosed therein.