Consumer complaint received 2016-04-12
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: Park View Credit (FL)

My husband and I needed credit consultation and called Parkview credit on XXXX/XXXX/XXXX and spoke with XXXX XXXX ( XXXX ) about their services. She explained that they had two methods of payment that were available for the service. She also explained that we had to pay an initial fee of {$110.00} for the credit reports. She also disclosed that the items on our report were not overwhelming and should not cost as much as other clients that they 've serviced. After our conversation and payment of {$110.00}, she transferred us to speak with XXXX XXXX ( XXXX ) who would be our credit counselor. 

We spoke with XXXX XXXX and he also disclosed that our reports were not overwhelming. He explained and went over XXXX items on both of our reports combined. He explained that we would pay for XXXX items on my XXXX credit reports for {$470.00} and XXXX for the items on my Husband 's XXXX credit reports for {$370.00}. We paid a discounted fee of {$720.00} for both reports and were sent agreement that stating that XXXX would work on the items ( per paragraph XXXX, XXXX & XXXX of the contract ). It also stated that if we opted to continue additional service after these services were rendered and fully completed, we could continue for {$89.00} a month in Exhibit A. 

On XXXX/XXXX/XXXX, they said letters were sent out on our behalf to the credit bureaus and we would need to send any updates that we received ( as per paragraph XXXX of the contract ). By XXXX, we had not received at least XXXX report update from each credit bureau and were waiting on the remaining updates. On XXXX XXXX, XXXX, I noticed a charge to my credit card of {$170.00} from this company. We attempted to log into the portal to see what was going on but were unable to get through because there was a form that required our signature. We did not sign anything and immediately emailed XXXX and the support center because they were not available by phone. 

We heard back from XXXX on Monday from a new number ( XXXX ext XXXX ). He said that the charge was because they had sent out XXXX rounds of letters to the bureaus. I asked him to explain where it stated that only XXXX rounds of letters where to be sent out in the contract because the contract stated that we paid him to work on the XXXX and XXXX items of which were to be rendered and fully completed before we agreed to continue additional services ( Exhibit A of the contract ). He could not show us the " XXXX rounds of letters '' stipulation in the contract. 

After back and forth conversation, XXXX ( XXXX 's Manager ) called us from XXXX and said he would credit us {$89.00} dollars because XXXX made a mistake with the amount of the continuation fee explanation. We then asked him to explain the contract terms. He said that we agreed to XXXX rounds of letters but he could not to tell us where this was in the contract either. He said we were in our XXXX round of letters which is why they charged us the continuation fee even though we had not to agree to it nor were the contracted services completed and fully rendered. I asked him how that was possible when we have n't received at least XXXX copy of our reports for each bureau. He said they send out letters anyway. 

XXXX said he would give us a {$89.00} credit. I told to him that this was a scam and to refund our money back. They canceled our services, only gave us back the {$170.00} but still have not refunded the {$720.00} and {$110.00}.