Consumer complaint received 2020-02-18
Company: Credit Council Corp
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I am a XXXX year old mother. As many of us do at some point in our lives, well trying to push past hard times in life. Stay strong and be a good person as best I can and keep holding on to the equal respect we all as humans Deserve. My complaint is on all that uses this credit system as a whole. equally I am leaving no one out. If you base all on this score that can make the good look bad and the more fortunate look perfect. I try very hard to so .this credit thing, and tho in my younger days I will admit I was to Nieve to grasp the idea I do understand the concept provding more chance of accomplishment on the creditor and XXXX  . This alone I great give the respect to be fair and treated as well as the next I am all for this. Yes give me the  opportunity. If a mistake is made we are all human with errors but should be still giving the chance as well as the choice to fix. And sow again .... This allowing us to give the option to say " I came, I saw.. " well you get the point.. 
For months now I think I have been on this repetitive looping error I see know as your credit score. Granted before I understood how credit worked I did order from XXXX and when my problem with my product was not acknowledge I kinda threw the now oversized computer paperweight aside and fought with my ... let 's just say not a good phone that I just purchased from XXXX well yes I didn't feel that that bill in life was important due to the fact that I had to buy another phone and the computer didn't even have a hard drive in it when it came. Yes I chose to keep going not just suffer and be ignored of my concerns and continue to pay to be ignored or looked less apone because well I am on disability so I only got so much money as is and at the time I still had rent and bills to pay as well. 
This I may have been wrong but that one thing has made my whole credit experience almost impossible since it's like one of the few things even reported to my credit it not only has a charge of since it was sold to a creditor. But it also claims late on payments Wich was not me as well I had my payments for everything set up to come right out of my bank account sadely now that I think about it academy bank has also caused me alot of grief not to mention extra charges due to overdraft fees late ect. 
Bare with me I don't understand this if I collect a disability cheeck and it is in my bank direct deposit every month and things are set up to take there part each month out. Then how am I responsible for the payment not being received.. or be charged because of it. If the check comes and an agreement is made to take an amount out each month there should not be an issue. Well I guess if the banks system goes down or it hits over a weekend or some kind of excuse to hit me with the It's your fault pay for it excuse.on my credit report it claims late payments on a loan threw academy bank because of a bank error not once but twice there system did not get the payment and I was held responsible with extra fees for whatever the reason was.. I have payed more in fees threw XXXX XXXX  then I honestly would like to admit and I stayed with them for many years believing I was in good hands when in the end I felt robbed of most of my disability checks due to fee cost and bank errors /problems that alternatively effected my credit score not to mention those pointless hard inquiry s that hit each time I try to get any kind of credit and someone wants to go to my score to only see I have no open acciuntsvor it's to new account or my late payments and XXXX issue oh wait I already get dinied the past eight months or more I lost count .I have applied over and over again for a loan. Knowing I can easily make a XXXX $ payment at the most ever month no matter what I just needed the help of a lump sum to take off the amount if stress I had in life a lot the time. Unfortunately everywhere denied me unless it was some scam they always said yes that's how I new they we're back before they even tried seatting need up with the task I needed to do for a loan I will never get. Tho I do admit they almost got me a few of my desperate times I really honestly needed the help not just to stay on top of things. Like when I was living in a camper that was flooding because of a rain storm a simple loan would of helped me with repairs replacing or even getting into an apartment.but no my score my score my score. Or recently in XXXX when my father in-law died and we got stuck with property taxes and bills. And ... Well let 's say I now own a home but I lost my storage because I had to chose to pay the property taxes left from my father in-law to keep the house or pay in my storage unit I had been paying on the past eight years waiting to get into a home big enough for my things.. ironically I now have a home payed for free and clear but I lost my storage unit and still can not get a loan because of my score even tho I now don't have the responsibility to pay rent every month ... you would think my chances of receiving a loan would increase beings I can afford more on monthly payment if I received a lump soon to take care of the things I most desperately fir my own XXXX XXXX honestly just want to take care of. But was denied due to. Well you get the picture it's the same thing over and over again I even tried a mortgage threw XXXX XXXX and also got denied because my credit is only XXXX mind u XXXX dye to more inquiring on what I just exsplained.. ooh and the initial asking for any for of credit in the first place..I have now giving up on getting a loan or mortgage because I'm not allowed to. For whatever reason they can come up with even though I am more the happy to agree to a monthly payment for the rest of my life for all I care I really could of used the help and fir it being so fair i sure got denied without any leeway of bettering my self and or future. Guess I'm not as fortunate as others who may of had that backup pillow in life to fall on. I can only say I've been willing to better myself if giving the chance and also being understanding to error rather it be mine or a machine that calculates my exception s in life. 

I was working in my credit using a XXXX XXXX XXXX card and I do so much thank them for trying and giving me a chance when so many denied before even looking my direction I tried to use my credit card to build my credit. I understand the rule of 30 % to build but when know one will give you a loan and hard times are happening I was very tiered of feeling the pain of life and wanted relieve and XXXX XXXX gave me XXXX $ to use every month and I used it every bit of it.i needed to build my credit and I figured out the most awesome way I would use my credit card to pay up on my storage I had falling behind on and everything will be ok.. well I was wrong unfortunately if u need your credit asap then you make a payment over the phone with will post normally the fallowing day. I need to pay storage every month as well as a few other things so I set up automatic payment to pay off my credit card. This was a big mistake because this can take up to seven days to cancel out if needed and the automatic bill still gets sent threw if you happen to need to cancel it so u can use the little money you have to still pay it yet receive the credit in time to pay off a storage unit saving it from heing auctioned off.. well I cancelled and was Abel to pay and save my storage. But the automatic still went threw Wich at first was ok then my father in law passed away. And I didn't receive the notices saying my check didn't clear from my bank Wich at the time I was getting rid of because of all the extra charges in the first place .. anyway it was a difficult few weeks. But by the time I was contacted and told I needed to make a payment to my credit card I had no problem with thinking that I would pay off my XXXX $ all art once like I did every month and receive my credit and go pay my storage. I pay the creditor and ask when my credit would be available and I was then told my account was closed due to failure to pay even tho every month I payed off my whole credit bill I used every month in full XXXX giving no regards to this as well as no credit towards looking reliable to make payments to the credit agintcy.. I was basically told thanks for the last dollar to your name have a good day and had no way to pay anything on my storage unit... I am having a hard time mentally dealing with losing my storage unit I worked hard to keep for years just to place in a stable home that I now have a storage unit containing my childhood memories as well as my children 's birth certificate s memories as well.. all because u had to work on a score to let other people Kno they can give me credit and I will follow rules as my thanks and appreciation beings we are all treated equal or as said equal opportunity .... I still got not one loan a email full of fake accept notices that only deny me as soon as I fill out the same form over and over again.not one open account cause once again a computer system auto screwed me so I have no credit and now lost my storage unit less then a week ago because I had to chose to pay taxes on a home my family needed I needed .yet as not helped to get the payment to save my storage I tried so hard to get in a home of my own ... I've giving up on credit loans banks morgages..help in general.. I guess I'm sapst to live depressed in hard times XXXX XXXX  type of life with nothing left to even say I made it this far with in life but if by chance I can help bring awareness to the deptemental inpact that honestly is involved in this credit score pecking order of help and assistance then I hope someone will give that help to someone who desperately needs it and may good things come to the Ines who sees past and finds those if us who needs the help and are good honest people willing to only help and better themselfs as well.then please don't make anyone go threw the embarrassing moments of constant denieals or being forced to exsept that no one will give you credit because of your credit that may have been miscalculated making it unfair in the first place. Tonight I thought it would be nice to get a diy electric guitar and bass kit the ones you build yourself I even thought financing them would build my credit in turn give me a new start on something of my own to have as well as something to due in my quiet time in life because I'm an XXXX I lose to play and it all sounded like a great idea beings I just set here in this house now wishing I had my things in storage. I found a place and applied for the credit to do this .mm and was denied I wanted to just cry drowning in my own tears type of feeling then I seen this complaint section. After all I have went threw this past year due to this score thing.. I had to say my peace before I give up on it completely. I don't think I will ever have faith in anything that containers the false hope of fairness in this life if it contained the words credit score .. or credit in general I hope this helps some one somewhere if I may have brought apone any type of awareness to the idea of helping your fellow man being that helping hand that good person those try to claim behind all these helping hand creditors.i wish those who give those who are trying a bad name or deniel find a way as well to better there ways of life so we all as a whole can live in good standings amongst one another.. I do hope my voice can be taken or read in to consideration that will make me feel better beings I have been looked down apone and treated unfairly do to all this beat regards to who ever climes the score next Sincerely XXXX XXXX. 
P XXXX please excuse misspelled words and any punctuation I just typed and its alot to say as well as stressfull not to mention this late at night I only did my best to what was asked of me to do. To whom it may concern thank you for giving me the time.. I appreciate it. If only you could get credit in life for things like that then maybe it would be fair

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation