SmartCredit

I Should have checked the reviews before, but because Roadto750.com recommends the service on her YouTube channel, I thought it was trustworthy, The $1 dollar was for 7 days, I was happy so far with he product, however, six days onto the program, I decide to click on "update" my score, well, If I wanted to get an "update" on my credit score, I needed to pay extra $15 ! So why would I pay $25 a month and then have to pay extra to obtain an updated credit score? I decided to cancel, they say that if you want to cancel you need to log in to your account and go to cancel membership, that is no where to be found, I wrote a message, and an email, I have not heard back. They are terrible at customer service and they ignore your messages, this is set up in a way that people cant cancel the service and get charged instead.

Review: SmartCredit makes cancelling extremely difficult, the website tells you to cancel from within your account, but when you do it makes you click through multiple links to get to the cancellation page. Once you finally get there, you have to call them. And calling will make you sit on hold for ages. Sketchy.Desired Settlement: Tried to cancel before billing timeframe, never got a call back.

Business

Response:

Please find our attached response to the complaint ID number [redacted]. A summary of this is he had a 90 day trial period which ended on November 26, 2013. The member called to close on December 3, 2013 and left a voicemail message. We returned his call on December 4, 2013. At that time the account was closed. No request was made for a refund. We have now provided a refund of $14.95 per the Revdex.com complaint request.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: After researching online and finding evidence that this company was a fraud I tried to cancel my membership. On the website it tells you to go into your account to cancel which I did. Then after completion it states you have to then call ###-###-#### to cancel. When you call no one answers the phone then there is a recording to leave a message and they will call you back in 24 hours if they don't call you back you can call them again! Which suspiciously is exactly the problem others have had. This company also goes by [redacted].Desired Settlement: Cancel my membership immediately and not charge any additional fees.

Business

Response:

This

letter is to inform you that we have reviewed the complaint from Mr. [redacted].

We

are not a fraudulent company. We have

been in business for over 10 years with very few complaints.

Mr.

[redacted] called one time on October 13, 2014 at 8:48 am PT. They held for 10 minutes and were transferred

to our voicemail line (as are all members).

At that time, the member left a voicemail message. Mr. [redacted] seems misunderstand why we offer

this as an option to our members. We do

this out of convenience and respect to our members. We understand that holding for more than 10

minutes can be inconvenient to them.

We call them back at the requested phone number. In this case, we returned the member’s call

in less than on October 13, 2014 at 12:41 pm PT (less than 4 hours). The account was closed and refunded as

requested, the amount of $9.95.

In

regards to also going by [redacted], this is true. We do not try to hide this fact. [redacted].com was our main website prior

to the development of SmartCredit.com. SmartCredit.com

is powered by the [redacted] platform.

This is stated on our website.

Review: I have been Billed $29.95/ month several times per month since April 2012 without ever doing business with this company. Fraud.Requesting full refund.

Money has been debited from my checking account with [redacted] Credit Union. I noticed 2 of the charges this month (January 2014) for $29.95 each a day apart from eachother on my bank statement. upon 2 emails and a phone call I was told that since they could see that I had NEVER used the service they could only refund 4 charges. I find this to be ridiculous! I have been charged a minimum of $1100 dollars since April 2012. I want all money refunded.Desired Settlement: I am requesting a full refund of all charges placed on my debit/checking account with my bank since this started in April 2012. I believe this amount to be at minimum $1100.00.

Business

Response:

Review: Smart Credit.Com, this company charged me $49.90 I guess for a credit report that was to be free. I didn't authorize this, who would give up $50.00 to have someone else watch money they don't have?I didn't get a report either.Desired Settlement: Refund to me $49.90

Business

Response:

Review: I cancelled services 4 months ago and they continue to take the $24.95 out a month. Every time I call they tell me the same thing and that I have to cancel online which I did. This is the fourth month, I've called twice in the last 3 days to get my money back and they tell me there's nothing they can do about refunding their negligent charges. I have done my job to cancel and every time I call they tell me it has been cancelled. This last charge on 5/9/15 resulted in an overdraft charge they don't want to reimburse either. They have acknowledged my original phone call to cancel months ago and they still can't do anything about it.Desired Settlement: They need to refund my money as everything is documented on their end. This is bad business.

Business

Response:

To Whom It May Concern:

This

letter is to inform you that we have reviewed the complaint from Mr. [redacted]. He began his membership on September 7,

2014. He received a 7 day trial and a 30

day satisfaction guarantee. The member

continued to use the account through June 9, 2015.

The

member called on June 17, 2015. At that

time, the account was reviewed. The

account was closed and the member accepted a refund of $29.95. He stated he was satisfied with the outcome

and considered the issued closed. Sincerely,[redacted]Customer Service Manager

Review: Smartcredit.com closed my account without me being able to access at all but charged me 9.95. I called they assure me I'm not going to be charged and the amount will be refunded . All lies I'm keep getting charged while the account is closed the same day it opened. I also emailedCHECKCARD 0205 WWW.SMARTCREDIT.COM 877-2085796 CA [redacted]1 70702/06/2014$9.95 them . They keep charging my account this is the second time it happened. Not happy At all.Desired Settlement: Refund my charges on my account since they closed my account the same day it opened

Business

Response:

This

letter is to inform you that we have reviewed the complaint from Ms. [redacted]. The member has had a total of 6 member’s with

SmartCredit. The most recent was January

29, 2014. She received 7 day trial and a

30 day satisfaction guarantee. If the membership is not closed by the end of

the free trial, a monthly membership fee will incur and continue until the

member closes the account.

Each

time a previous membership was closed, we informed the member that as long as

they did not reactivate their account, there would be no future charges. The last account that was closed was in March 2013. However, if the member signs up for a new

membership (which this member did), the monthly fee and the terms and conditions apply to the new

membership. If the member signs up

again, the same would apply to any new membership in the future.

The

member called on February 5, 2014, to close the new account (set up on January 29, 2014) and receive a refund

of $9.95. This was done immediately and

was a full refund. No future refund is

due on the account. We suggest the member stop signing up for our product if they do not wish to be billed.

Review: Unable to cancel service. SmartCredit promotes on website the ability to cancel online. When you click to cancel.....you go through a series of of webpages trying to convince you not to cancel....then when you get to the last webpage, the provide you a phone number to call. I call the number and I am put on hold. Then after holding for roughly 8 minutes, it asks you to leave a message...then no one calls you back. I have been trying to cancel my membership for over a month. TOTAL SCAMDesired Settlement: I want my money back. Two months ...

4.30.14 Smart credit $16.95

5.23.14 smart credit $16.95

Business

Response:

This

letter is to inform you that we have reviewed the complaint from Mr. [redacted]. He began his membership on April 23, 2014. He received 7 day trial and a 30 day

satisfaction guarantee. If the membership is not closed by the end of the free

trial, a monthly membership fee will incur and continue until the member closes

the account.

The

member called on June 11, 2014 at 9:19 am.

At that time, he left a voicemail message. We returned his call on June 11, 2014 at

12:31 pm. He was not available so we

left him a voicemail message. The member

called again on June 12, 2014 at 7:16 am and again left a voicemail message. We returned his call on June 12, 2014 at 207

pm. At that time we spoke with Mr.

[redacted]. He asked to close the account

and this was done immediately. He did

not request a refund or complain to us at any time that he had been trying to

contact us for over one month. We also

did a phone number search and found no attempt to contact us prior to June 10,

2014.

The

member complained he had to hold 8 minutes.

The average hold time for our customer service is less the 3

minutes. There are some times when we

receive calls that the hold time is longer than the 3 minute average. This is why we provide an option for the

members to leave a voicemail message. We

returned his call each time and left a voicemail message for him when we could

not reach him. We also were able to

contact him and close the account as requested.

As

for Mr. [redacted]’s refund request, we are unable to provide it at this time. Mr. [redacted] has gone to his bank and requested

a chargeback. This means his bank has already

refunded his account and the money he is requesting is no longer available to

be refunded. Normally the chargeback has

a rebuttal process where we dispute the chargeback request made by the

member. We will not dispute this

chargeback.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I did have to take action with my credit card to make sure I was not charged again. So...yes....I was able to stop the charges. This bigger issues is that you cannot cancel online....this is a scam. You go through several webpages telling you that you can cancel online....but what you get are webpages trying to keep you from canceling then making a last ditch effort by cutting the price so that you will not cancel. Then the worst insult is that you cannot cancel online....you have to call. Every time I called...I had to wait then leave a voicemail. How is this customer service? It is not. It is a SCAM!!!!

Regards,

Business

Response:

SmartCredit is not a scam. We have been in business since 2003 and have serviced hundreds of thousands of members. We have very few complaints and any complaints we receive we respond to. We also try to resolve them in favor of what the customer is requesting. We were not able to do this in this case because he had already received a refund from his credit card company and we had already spoken with him and closed his account.

Mr. [redacted] did not have to do a chargeback to ensure that no further charges would be made to his credit card on file. He could have just informed his credit card company to not accept any future charges. However he requested a refund for the last sales transaction through his credit card company. This is called a chargeback. For the chargeback he states that he attempted to close the account prior to the May 23, 2014 sales transaction.

We apologize our system instructed him to call to close. However, we had his account closed the next business day, from the first contact with us.

Mr. [redacted] states he was forced to wait to leave a voicemail message, this is not the case. At 2 minutes into the hold music, we have an announcement that informs members that “someone will be with you as soon as possible but if you do not wish to hold you can press 1 at any time to leave a message”. Also, our maximum hold time is 10 minutes prior to be directed to our voicemail. There are very few companies that allow their members to leave a voicemail message. Out of respect for our customers time we offer a way for them to leave us a message and for us to call them back. (As a note, our caller id for our customer service number is listed on all outbound calls. We do not block our number.)

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Make it easier to cancel your service and I will drop my complaint. To give the option to be able to cancel on your website yet....have to go through several webpages trying to convince me not to cancel and THEN get to the last webpage and to tell me "sorry but you have to call to cancel" and then call to leave a voicemail? That to my is a scam....making it hard to cancel...is a SCAM!

Regards,

Review: I signed up for a trial membership with smartcredit.com. When the trial period was over, I called to cancel and the representative told me because I still had open claims, that she would give me another 30 day trial for free. It was my understanding, because she never informed me otherwise, that the membership would cancel after that 30 day period. I saw on my bank statement that I was charged again so I called customer service. The person with whom I spoke informed me that she was the same representative that I'd spoken with a month before and insists that she told me the account would rebill. She was very rude and kept interrupting me during my explanation. If she had told me that the subscription would be ongoing, I would've refused the additional 30 day trial and requested again that the subscription be canceled immediately. I asked her to cancel my subscription and refund the erroneous charges. She informed me that she would not be refunding the money. The calls are recorded, so there should be some record of whether she told me about the rebill. I called my bank and filed a claim to get back my money. They have issued a temporary credit pending investigation.Desired Settlement: I would like the refund not be contested and I would like the rude and incompetent customer service representative at minimum retrained, but preferably terminated. A credit monitoring agency should be much more careful with their customer's finances.

Business

Response: