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

This is a resubmit only because I had been to tiered to realize all the edditing mistakes. So to understand me might be impossible. So I wanted to try this again now that I understand how this works Here is what I wrote before but now eddited .I do apologize I so sounded illiitorit due to being tiered and auto correct it is always posting XXXX 's I don't XXXX ; ) This is my issue on the fair credit and this past year I had to Indore trying to apply this credit thing to my life. Tho this all seems to be the most unfair way to live life I do say this with the most upmost respect to the situation at hand please bare with me. And try to understand my issue ... 


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 know one out. If you base all on this score that can make the good look bad and the more fortunate look perfect. This is who I'm speaking to ..

I try very hard with 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.to weed out the overlooked more obvious This alone I understand it im provided 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 ... beings we weap what we sow. 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 not to mention I couldn't get any help in my issue .so 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 XXXX 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 ibsoon understood the importance of credit and what is needed and uptaind I life with it .. but just 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 ... its not only considered a charge of since this debt 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 ... tho 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 XXXX cheeck and it is in my bank direct deposit every month and things are set up to take there part out each month. 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. Because 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 XXXX checks because most of the money went words unnecessary fees due to fee cost overdraft and bank errors /problems that alternatively effected my credit score not to mention my life not to mention those pointless hard inquiry s that hit each time I try to get any kind of credit or help and someone wants to go to my score to only see I have no open accounts or it's to new account or my late payments and XXXX issue that has been a ended issue and the account has been sold and dismissed iv even tried to dispute the issue that I had no assistance on my problem causing me to forget XXXX. As well as disputed the XXXX XXXX because I did pay that loan off in full. And the two late payments was do to academy bank computer system not taking out the money as I was told it would. 

I already have gotten denied 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. XXXX wanted the lest XXXX $ and I had asked at some places who needed a bigger about 3-5000 at most I honestly cared to get ..Unfortunately i have been denied from everywhere ... unless it was some scam they always said yes that's how I new they we're a scam before they even tried seatting me up with the task I needed to do for a loan I will never get. 
Or getting my password to my bank or money to get the loan up front.Tho i do admit they almost got me a few times in 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 passing in order to keep the house, or pay on my storage unit I had been paying on the past eight years.i had been 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 I can't 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 due to no rent to pay for .yet I cant received a lump soom to take care of the things I most desperately, for my own mental health 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 so we could get help on these bills we are stuck trying to catch up on since his passing and I so got denied because my credit is only XXXX mind u it now is XXXX due to more inquiring on what I just exsplained.. ooh and the initial asking for any form of credit in the first place..I have now have 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 for it being so fair i sure got denied without any leeway of bettering my self and or future or the means to build on ... 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 everything butvi believed it would be ok.. well I was wrong unfortunately i did use the while amount every month as well as payed it in full every month in hopes to raise my credit but i was never credited for such only 100 % payback That u can barely seen ona report ... i needed my credit asap so i make a payment over the phone that will post normally the fallowing day. I needed to pay storage every month as well as a few other things so I set up automatic payment to pay off my credit card. Well 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. But if you happen to need to cancel it as I had to Kno choice given the sercum stance so i can use what little money you have to still pay in order to still receive the credit in time to pay off a storage unit I had to save it from being auctioned off..might not work out and all the payment previous didn't seem to mater 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 and overdraftbn 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 was told I had to pay with so I would pay off my XXXX $ all at once like I did every month and receive my credit and go pay my storage. I payed 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 I had to work on a score to let other people Kno they can give me credit and I will follow rules and 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 and now I don't even have one credit card either 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 neededyet couldn't get a XXXX $ .loan got Kno help r  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 Ramon noodles 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 One who sees past and finds those of 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 and u can't work on or build credit if knoine allows u to and all u get is denied anyway.its a miscalculation in events making it unfair in the first place Tonight I thought it would be nice to get a diy ( do it yourself ) electric guitar and electric bass build kits 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 do in my quiet time in life because I'm an XXXX I love 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 ... and was denied.. I wanted to just cry, drown 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 of us whom 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 oh not to mention iv also been told now after applying for a loan spendingvXXXX $ at XXXX XXXX  that after I removed my checks and stopped using the bank there overdraft protection don't work and I owe them XXXX ... Mainly from overdraft fees someone needs to look into that bank and there fees. And when and how often they charge the fees cause a few times they have tried minipulating my SSI check the whole SSI check. 

Sincerely XXXX XXXX. 
P s 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