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Business Profile

Credit Services

ConsumerDirect Inc
BBB accredited business seal
BBB Accredited BusinessA-Rated by BBB

Complaints

Customer Complaints Summary

  • 8 total complaints in the last 3 years.
  • 3 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/05/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I wrongfully was told that If i pay a fee of $800 i will have my credit expedited and fixed. I am now being told that i can not receive a refund, after i was told that he will issue me one. I have the text saying that

    Business Response

    Date: 06/13/2024

    After reviewing the account, we found the membership with SmartCredit began on February 7, 2023.  At that time, her account with us had no charge as it was sponsored.  She moved to the a monthly paid membership on July 18, 2023.  The monthly membership was set at $9.95.  Since beginning her membership with SmartCredit, she has paid a total of 11 monthly fees with us for a total of $109.45.  Her account was closed on June 4, 2024 by the member.

    We believe she has made her complaint against the wrong company.  We have no fees that are $800.  Also, we are a neutral company and do not provide credit repair.  She might have been using our site in conjunction with another site to help her with credit repair.  

  • Initial Complaint

    Date:03/06/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I contacted them for a credit check to pay $1.00. The one I got was TransUnion. They took out $29.99 twice. They are called Smart Credit *************). They sent it back to my bank 5 times and my bank declined acceptance. They told me I need to call my bank to get approval to accept this money. I would like a full refund of my money.

    Business Response

    Date: 03/15/2024

    After reviewing the account, we found the membership with SmartCredit began on September 6, 2023.  According to our membership agreement, the initial $1.00 charge was for a 14-day trial period.  If the account remains open beyond this period, a monthly recurring fee is automatically charged to the credit card we have on file.

    The member reached out to us for the first time on November 21st.  Despite her request falling outside our refund policy, we issued a refund for 2 transactions of back to the credit card on file.  Unfortunately,the member's credit card issuer rejected the refunds. We lack the ability to compel the credit card company to accept the refund, which led us to advise the member to contact her credit card company directly.

    Given that our attempts to process the refunds were unsuccessful and subsequently declined, we are unable to issue the refund requests again. At this point, there are no further actions we can take regarding this account.

  • Initial Complaint

    Date:02/06/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hello! :-) I accepted the three credit reports of SMARTCREDIT of CONSUMER DIRECT, fee, $18.95. The three values aren't adequate or valid to the Experian.com of 713, Equifax at 710 and Transunion of 710. I intended to purchase the inquiry removal, but, due to the invalid, inaccurate, information; I didn't want to lose any money or cash at all. REFUND. The SmartCredit and Comsumer Direct, indicated a(n) six-hundred score, almost, a(n) 80 point discrepancy. REFUND, due to faulty information and invalid to factual site of Experian.com REFUND ********************** 12/24, 687.Sincerely,****************************

    Business Response

    Date: 02/16/2024

    This letter is to inform you that we have reviewed the complaint from *************************;

    The difference in the score has to do with the score model we use. Our system uses the Vantage 3.0 Scoring Model.  It does not provide the same score as a **** score.  Even the **** score has many different score models within its own product. Also, our system does not offer an inquiry removal process. 

    To resolve the member complaint, we refunded the member $18.95 on February 7, 2024.  

  • Initial Complaint

    Date:09/05/2023

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    In Jan of 2023 I signed up for a membership as I was working when Limitless Credit which this business is associated with. This was part of a credit repair program which turned out to be terrible. I wrote to both companies/completed their process to cancel the membership back in Feb 2023. This company started billing me again in May 2023 without my knowledge or authorization. Theyre impossible to get in contact with.

    Business Response

    Date: 09/18/2023

    This member signed up with us on January 24, 2023.  There was no trial period. 

    Our records indicate the member first attempted to contact SmartCredit on September 6, 2023.  At that time, she requested to close the account and we sent instructions on how to close online.

    At this time, we have closed and refunded back the last 4 monthly sales transactions of $24.99.  The refunds can take up to 7 business days to properly post to the account.

  • Initial Complaint

    Date:09/15/2022

    Type:Product Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Smart Credit has a co-branded partnership with ******'s Lane, whom I have filed a separate complaint against. I paid Smart Credit $24.95 every month for 18 months, and I have had NO CHANGE in my credit scores whatsoever, which made me believe they have a joint venture with ******'s Lane to defraud members. It has been showing the same information all along. I have a folder on my computer with all of my correspondence from Smart Credit, which has not shown any change in scores or information. Because of this I have not been able to move forward in being granted a mortgage loan after my husband passed away. I am asking for a refund in the amount of $424.15.

    Business Response

    Date: 09/20/2022

    We reached out to the member directly and spoke with her regarding her account.  While we were not able to refund the full amount request, we did refund 2 transactions of $24.95.  ******************** agreed this resolved her complaint with us.  

    Customer Answer

    Date: 09/20/2022


    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, 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,

    *********************************

     

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