Inversion Credit, LLC

Dear Mrs. [redacted],We would like to respond by confirming our agreement to refund $79.95 to you. This transaction was successful on 3/7/2016. Please let us know if we can further assist you. Sincerely,Inversion Customer Service Team

Hello, We apologize for the experience you've had. We attempted to contact you several times on 7/7/17 and 7/10/17, but you did not have a voicemail available. We have cancelled your account here at Inversion Credit. Unfortunately, we cannot help with the block because that is not something we...

have the ability to put on or take off. Again, we apologize we kept missing you, best of luck!

Dear Mr. [redacted], We apologize again, for any frustration you may have experienced.  Upon listening to the call leading to you signing up with our program, we have confirmed that our representative advised you that we do have to wait a full 45 days to give the Credit Bureaus an opportunity to respond. [redacted] also advised you of this within his response to your portal note. We provide an aggressive style in disputing negative items on your credit report, and with this we show faster results compared to our competitors. Within the phone call you stated that there were a few things on your credit report hindering you from qualifying for your loan.  We did speak of interest rates in a general sense that the higher the credit score, the lower the interest rate.  We also spoke of how we, throughout our program help with positive credit to get your interest rates lower. We thank you for giving us the opportunity in helping you qualify for your home loan, and we want to congratulate you on achieving your goal. Since our prior response, we have attempted to contact you and again were unsuccessful. We would like to speak with you in regards to a solution.  Please call our customer service line at your earliest convenience at ###-###-#### and ask for management. Our hours of operation are M-F 8AM-6PM MST.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted],  and I have stated to the company on the call with my agent of that company I was not satisfied with the service because they said I would only need to be with them for 30 days or less and that they would remove all negatives which is 33 in 45 days they only removed 3 and dropped my score tremendousely this is not ok because after I complained to them about myscoredropping they said you need to get a secured credit card and I will not do that and I was never told that. I was told by michael gonazales 30 days my negatives will be removed and my score will up 100 plus points instead it dropped many points and only removed 3 also I was neve  toldthatremoving negatives it effects your score! I was told many lies so they could get my money and I would like the refund ofthe 79.95 because all they did was promise all these things that was not true.

Hello, We are sorry for the trouble, since we never collected a payment from Mrs. or [redacted], we would just need a bank statement directly connecting the overdraft fee to the attempts to collect the payment to refund the $35.00. Thank you!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

We have no notes saying the customer ever contacted us to say she was dissatisfied, we do however have notes that she was called on several occasions to inform her that her payments had not cleared and we could not continue with work until she made a payment. In the interest of fairness since I...

was not made aware until yesterday, I would like to refund her, we only have record of the initial payment and 2 monthly payments, the 2nd of which appears as though it did not clear. However, again in consideration of her patience, I would like to offer her a refund of $247.00. If this is acceptable, please advise of the current address I can send the check. Thank you.

Dear [redacted], We apologize about your frustration with the results that you obtained. I am showing that we attempted to contact you several times to obtain a credit report to track your progress within our program. We were not able to contact you until 07/06/2016 when you called to cancel your...

services.  On that day, you agreed that we assisted you with removing 3 items off of your report BUT that your score went down.  We were not able to analyze this because we were not given an opportunity to do so. One of the most important parts of our program is to be able to contact our clients when it is time to track your progress.  Our end goal is to get you out of our program as quickly as possible so that you may get into a mortgage. We provide consultations for results after Credit Reports are obtained and analyzed.  Our consultations are not only to go over your progress, but to also advise you on things that will help increase your score while you get the negative items removed.  The final payment charged to your account was on 05/21/2016 in the amount of $79.95 for the services we provided in April as we bill on arrears.  My records show that this was explained to you verbally and within the disclosures that you agreed to, signed on 04/21/2016. The $89.95 was also mentioned to you verbally and in the disclosures advising you that this was an initial payment upon completion of your on-line portal and the analysis of your first credit report. The $79.95 is charged at the end of the billing cycle for work performed thereafter. A final payment was due to us for work performed in June, but we have since stopped payment in attempts to remedy your frustrations. We apologize for any confusion you may have had about our program. We have attempted to reach out to you via telephone since we received this complaint, but did not have any luck getting a hold of you. Please feel free to contact us with any further questions, concerns, or feedback at ###-###-#### M-F 8AM-6PM MST

Initial Business Response /* (1000, 9, 2015/10/20) */
We apologize you haven't had the experience most have with our company. We are very successful at removing erroneous items off thousands of our consumer's credit reports. We are unable to offer this service for free as you have found. The...

structure of our billing is in accordance with State and Federal Laws. We bill in arrears, which means we perform work on your behalf and bill you 30 days past the work completed. This ensures you see the work first before you pay. With this account we discounted the first payment based on the financial capabilities of the consumer, accepted an initial set-up fee and opened up our investigation with the bureaus by sending the first round of dispute letters. We quickly begin work on our consumer's reports because we are familiar with the urgency our consumers express to us. With this said the cancellation of this account was received after work was completed on your behalf, therefore we ask to be compensated for our hard work. There is a final payment due on this account for the first round of letters constructed and sent based off the negative erroneous items on your credit report. This is best explained in the contract signed by this consumer and we would be happy to provide a copy of such contract signed by the consumer. We wish you the best in your credit repair process.
Initial Consumer Rebuttal /* (3000, 11, 2015/10/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have no knowledge of the work they claimed to have performed, I received a phone call in which we went thru pulling my credit report but that's all the knowledge I had until 10/19/2015 when I received a letter pertaining to a dispute,however I don't know if it's from work performed by the agency in question or the other agency from the housing development I'm working with. Thanks for your kid consideration
Final Business Response /* (4000, 13, 2015/10/30) */
An e-mail has been sent to the e-mail address on file including online agreements and a payment agreement. Please call if you are having any trouble accessing the documents. X-XXX-XXX-XXXX.

Hello, We apologize for the experience you've had. After pulling our records and the phone conversations, I think what happened was a miscommunication. On 7/26/17 our agent didn't explain fully that we wanted to pull a credit report to see the items that had been removed. To get approved, the...

report itself needs to be in order as well, not just the scores.  In consideration of this, I have gone ahead and canceled the last payment scheduled for 8/18/17, and would like to offer a refund for the last payment of $99.00. Again we apologize, please advise.

I understand your concern and would like to take a moment to respond. As written in your on-line disclosures that you signed it explains our billing cycles. We at Inversion Credit bill in arrears, which means we perform the work for you and then charge approximately 30 days after work is performed....

Most of our clients that complete or cancel the program owe a final payment because we bill in arrears. In regards to your account an initial payment was accepted by you on 12/8/2015 for the analysis of your first credit report and the building of your online portal. Once we accepted this payment we went to work on your credit profile by sending out your first round of dispute letters on 12/11/2015. In accordance with billing in arrears this means the payment of $79.95 accepted on 1/8/2016 by our company from you compensated us for the first round of dispute letters sent on 12/11/2015. Likewise, your second round of dispute letters were sent on 1/9/2016 and we accepted a payment for this round on 2/8/2016. The cancel request was received on 1/29, which I hope you can appreciate that the dispute letters were already sent on 1/9/2016, creating a final payment due on 2/8/2016. After we accepted the payment for the letters sent on 1/9/2016 on 2/8/2016 there were no more payments due. In summary, the initial payment of $89.95 paid for the analysis of your first credit report and the building of your portal. Two rounds of dispute letters we sent on your behalf, which we collected two payments of $79.95. I apologize you feel that we don't do anything, but in our defense a big part of this program is to pull fresh credit reports every 45 days to see your progress. On this account we did not get the opportunity to pull an updated report to see changes because a cancel request was received. I encourage you to pull your credit from a consumer website to see the changes our disputes made. If changes were not made and we see a change was not made I am willing to review for a refund. You are correct that people could send their own letters, but this is why our company offers a service for a fee. We have studied the credit laws to format successful dispute letters and have had great success with our clients. I hope this can clarify your concerns and you would reconsider working with us to improve your credit situation.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

Final Consumer Response /* (2000, 7, 2015/10/06) */
They contacted me on Friday the 2nd of October and informed me they would be putting my money back in my account I have received it and no longer have a complaint.

Dear Ms. [redacted], First, we would like to thank you for being with our program since August 21, 2015.  It looks like we have helped you tremendously since then!  Secondly, thank you for taking the time to speak with us today in regards to your complaint.  We are happy that speaking...

with our representative helped ease your concerns.  Feel free to contact us with any further questions at our Customer Service Line ###-###-#### M-F 8AM-6PM MST

Initial Business Response /* (1000, 5, 2015/09/10) */
Dear Customer,
In accordance to State and Federal laws we bill in arrears. This means that we will work on your behalf upfront and bill you at the end of your billing cycle. Your request to cancel was made July 19th by e-mail and our...

company policy clearly states that cancellations need to be communicated by phone to our customer service department for security purposes and to verify you are the account holder making the request. We responded to your e-mail cancellation by calling and leaving a voicemail with how to proceed with cancellation as well as an e-mail with the same instructions. We did not receive a call back to proceed with the cancellation, therefore we cancelled the account and collected the final payment due on the account. The actions taken on both accounts are outlined in the disclosures signed by both parties. We are sorry to see you go, and hope you reconsider based on the dramatic improvements Inversion Credit made to your credit file.
Sincerely,
Client Relations