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Michigan Attorney General releases top 10 list of consumer complaints | News

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LANSING — Personal service companies and robocalls topped the list of most complained-about scams and business practices in Michigan.

Attorney General Dana Nessel last week recognized National Consumer Protection Week by releasing her office’s Top 10 Consumer Complaints for 2019 to help consumers make well-informed decisions about where to spend their money. In 2019, the Michigan Department of Attorney General received more than 9,200 consumer complaints.

“By taking a proactive approach and educating residents about the top threats we’ve noticed, we hope to stop as many scammers and deceptive business practices as we can from causing further harm to Michigan consumers,‘ Nessel said. “I would like to thank the thousands of Michigan consumers who have taken the time to file formal complaints with my office. Those files are valuable pieces of information that may help us build a case against bad actors and allow us to hold accountable those who attempt to break the law.‘

The department recovered more than $680,000 in consumer refunds, forgiven debts and state recoveries in 2019.

Consumers can submit a complaint online by visiting mi.gov/agcomplaints or by calling 877-765-8388.

While the Top 10 complaint categories remained mostly the same from 2018, several of their rankings did change. Five of the 10 complaint categories kept their places, but the most drastic change was the rise in complaints against personal service providers, which jumped from seventh to the No. 1 spot due to action by the Attorney General’s office in 2019. Travel complaints also make an appearance on the list in the No. 10 spot, replacing a category of complaints related to gasoline fuel prices and energy providers.

Top 10 Consumer Complaint Categories of 2019

• Personal Service Providers: Moving up from the seventh spot last year. This jump was directly attributable to the large number of complaints against Western Michigan-based gym chain Family Fitness, Go Workout, Crown Jewel Spa and Salon and Light RX. Complaints in this category additionally range from dating services and beauty shops to home security and tax preparation services.

• Telecommunications, Cable and Satellite TV: Holding steady at No. 2 this year. This category includes complaints involving issues like robocalls, telemarketing, wireless communications, and cable and satellite TV services. Despite staying in the second spot, the department received more than 20% more complaints in this category. Many of those complaints were the result of the robocall initiative announced by the Attorney General’s office in November.

• Motor Vehicle and Automobiles: Also holding steady in the No. 3 spot. The total number of complaints in this category was up by 10%. Complaints against used car dealers continue to top this category, with other top complaints involving motor vehicles, new car dealers and passenger car rentals. The department took a step in protecting consumers’ interests when it reached a settlement with Executive Car Rental, securing nearly $40,000 in reimbursements for customers.

• Credit and Financial Concerns: Moving from first to fourth this year, there were 769 complaints. Complaints in this category cover a variety of areas including debt collection and reporting, credit repair, payday lending and mortgage brokering. In October, the Attorney General’s office filed suit to stop the predatory lending practices of online tribal lender Sierra Financial.

• Retail: Again, holding steady in the fifth spot from last year, retail complaints included concerns about general merchandise, food and furniture stores, business services, and eating and drinking places.

• Internet: Moving down two slots this year from four to six, the total number of complaints in this computer-based category stayed virtually the same. The majority of these complaints involved online purchases, and a significant number of complaints were filed against computer communication and internet service providers. In 2019, the department opened an investigation into Blvck Pods LLC and Blvcked Pods LLC for running a drop-shipping operation that relied on a Chinese company to supply wireless earphones to consumers who believed they were buying customized products.

• Landlord and Tenant: Moving up a spot from eight to seven, this category held steady with almost 500 complaints. Most of the complaints in this category involved apartment owners and managers; complaints against mobile home site operators and condominium associations accounted for the majority of the total complaints in this category.

• Contractors: Moving down two spots from last year’s list are complaints about residential building construction services, landscaping services, plumbing, heating and air condition services, and special trade contractors. In 2019, consumers filed 176 fewer complaints in this area than 2018.

• Health Service Providers: Staying in ninth place, this category’s total complaints increased by more than 17% compared to 2018. The category includes health service providers like doctors, dentists, hospitals and medical clinics.

• Travel: New to the Top 10 this year is the category of travel, which bumped out the category of complaints for gasoline fuel and energy providers from the 2018 list. This category includes complaints about companies like Outdoor Adventures, travel agents, travel companies and time-share companies.

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China to take steps to improve bad faith deterrent mechanism_英语频道_央视网(cctv.com)

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BEIJING, Nov. 26 — China will adopt policy steps to optimize the mechanism for deterring acts of bad faith and refine the social credit system to underpin the development of the socialist market economy, the State Council’s executive meeting chaired by Premier Li Keqiang decided on Wednesday.

“In recent years, China’s social credit system has continued to develop. A market economy relies on credit, and a credit-based economy must follow the rule of law. Work in this regard shall be effectively carried out pursuant to laws and regulations,” Li said.

Those at the Wednesday meeting decided on measures to refine the bad-faith deterrent mechanism to promote the orderly and healthy development of the social credit system. The principles include adhering to laws and regulations, protecting rights and interests, taking a prudent and appropriate approach and implementing list-based management.

The scope and procedures of credit information shall be formulated in a science-based way. Including certain behaviors in public credit information will require strictly following laws and regulations and a catalog management approach. Such information will be made accessible to the public.

Administrative departments must determine acts of bad faith on the basis of legally binding documents. The scope and procedures for sharing credit information shall be standardized. The principle of legality and necessity shall be observed when deciding whether and to what extent credit information is shared and disclosed. Such decisions shall be made clear when compiling the credit information catalog.

The meeting underlined the need to strengthen information security and privacy protection. Access to and procedures for credit information inquiries shall be strictly enforced. Leaking, tampering, damaging or stealing credit information or utilizing credit information for personal gains will be seriously investigated and dealt with. Illegal collection and transaction of credit information will be strictly cracked down on.

“In the development of the social credit system, it is important to pay attention to protecting personal privacy and trade secrets. Credit reference shall be conducted in accordance with law, with science-based scope and definition and appropriate penalties. Information must be used in a safe and secure manner,” Li said.

Identification of list of entities with serious acts of bad faith will be better regulated. The list shall be limited to those who put public health and safety in grave jeopardy, seriously sabotage the fair market competition order or disrupt normal social order. The list shall not be willfully expanded without authorization.

Punishment against bad-faith acts shall be enforced in accordance with laws and regulations, to make sure that penalties are meted out commensurate with dishonest behaviors. Disciplinary measures taken against entities with serious dishonest behaviors that reduce their rights or increase their duties shall be based on facts of bad faith and on laws and regulations. Punishments should be appropriate and not be added or increased at will. Financial institutions, credit service agencies, industry associations, chambers of commerce and news media should not be forced to punish entities with serious acts of bad faith.

A credit repair mechanism, which is conducive to self-correction, will be established. Entities will be allowed to fix negative credit records, unless otherwise stipulated by laws and regulations, should they correct dishonest behaviors and eliminate adverse impact. Relevant departments shall remove entities, who meet credit repair eligibility, from the list in a timely manner.

All localities and relevant departments shall promptly overhaul measures that have been rolled out for the determination, recording, disclosure and punishment of bad-faith acts, and those that do not meet the requirements shall be regulated in a timely manner.

The meeting also decided on measures to advance high-quality development of the credit reference sector. Cross-sectoral and cross-regional connectivity of credit information involving finance, government affairs, and public services will be promoted as provided by law. Disclosure and orderly utilization of data in government departments will be promoted in faster pace.

Market access of individual credit reference agencies will be promoted in an active yet prudent manner, and openness of the credit reference sector will be scaled up. Matching regulations and supporting institutions for the credit reference sector shall be improved and accountability mechanism strengthened. Fraudulent credit rating shall be strictly punished according to law. 

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Credit Repair Service Earns Best-in-Class Rating from TopConsumerReviews.com

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This service is the obvious choice for anyone needing credit repair, and we’re pleased to give Sky Blue our top ranking in 2020.

TopConsumerReviews.com recently affirmed the top-ranked status of Sky Blue Credit Repair, an industry leader among providers of Credit Repair services.

After decades of a devil-may-care approach to credit, the American public seems to finally understand the importance of a good credit score. The better one’s credit, the easier it is to be approved to rent an apartment or buy a home, secure an auto loan, or even get funding for higher education. What happens when a person realizes this after making some poor financial choices? Is it too late?

The good news is that one’s credit history can be repaired, resulting in the resolution of outstanding issues and a higher credit score. Some consumers find it challenging to navigate the process of negotiating with creditors, removing negative reports from their credit history, and consolidating debt. Fortunately, there are reputable credit repair services that take out all the guesswork, putting their decades of expertise into practice to help clients improve their credit histories step-by-step and often doing all of the work on their behalf. The best services take it a step further, working with their customers to help them develop a plan for continued financial stability going forward.

“For over 30 years, Sky Blue has helped clients throughout the United States to achieve a healthy credit history,” affirmed Brian Dolezal of TopConsumerReviews.com, LLC. “Although it can feel daunting to work on improving your credit score, you can count on the Sky Blue experience to be ‘happy and stress-free’ just as they promise. Your initial consultation and review with a representative is absolutely free, and you won’t be pushed into signing up for any services that aren’t a good fit for your situation. If you choose to become a Sky Blue client, your rep will get right to work, disputing at least 5 items with each credit bureau every 35 days. You can rest assured that your decision to use this service is no-risk because of their condition-free guarantee: in the first 90 days of your paid membership, you can get a full refund for any reason. Sky Blue also allows you to pause your service at any time. Plus, clients continue to compliment Sky Blue for being effective, honest, and affordable. This service is the obvious choice for anyone needing credit repair, and we’re pleased to give Sky Blue our top ranking in 2020.”

To find out more about Sky Blue and other Credit Repair services, including reviews and comparison rankings, please visit the Credit Repair Services category of TopConsumerReviews.com at https://www.topconsumerreviews.com/credit-repair.

About Sky Blue

Sky Blue Credit is dedicated to credit repair, focusing solely on helping customers reach their credit goals through repair and restoration services since 1989. They pride themselves on speed, disputing 15 items every 35 days, as well as giving intelligent guidance with respect to optimizing customers’ credit scores.

About TopConsumerReviews.com

TopConsumerReviews.com is a leading provider of reviews and rankings for thousands of consumer products and services. From Credit Repair to Debt Relief and Personal Loans, TopConsumerReviews.com delivers in-depth product evaluations in order to make purchasing decisions easier.

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Credit360’s Credit Repair Services Now Includes Full Credit Audit

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One of the nation’s finest in personal and business credit solutions has expanded its services.

MIAMI, Nov. 25, 2020 /PRNewswire-PRWeb/ — Representatives with Credit360 announced today that its credit repair services now includes a full credit audit from the three credit bureaus, Equifax, TransUnion, and Experian.

“We’re very excited about this,” said Andre Coakley, Founder & CEO of Credit360, a company with an elite team of credit experts that know exactly what techniques will assist individuals and businesses with increasing their credit scores to meet their goals.

Features of the full credit audit include:

  • Full Credit Audit – Equifax, TransUnion, Experian

  • No Monthly Fees – Charged Only After Removal

  • Our Pricing Is Simple, Pay After Deletion

  • Advanced Tactic Disputes and Strategies

  • Comprehensive Credit Audit every 45 days

  • Unlimited credit items disputed for one year

  • 24/7 Online Portal Access from Smartphone

  • Free Coaching and Education

  • Assistance with Structuring Lines of Credit

  • Support with Card Spending and Tradeline Building

And more.

The company’s full credit audit offering comes on the heels of the Credit360 offering credit repair services in Orlando.

“We are very excited to now offer our life-changing credit repair services in Orlando,” Coakley said. “We are here to help you achieve your optimal credit profile by making the credit repair process convenient, individualized, and effective.”

Credit360’s specialized credit repair processes, credit expertise, and guaranteed customer service, company representatives say, make it the best in the industry.

Coakley explained that Credit360 has had the opportunity to help thousands of Americans correct their credit reports. In fact, Credit360, Coakley stressed, is a company that puts its money where its mouth is and only charges a fee when items are deleted, removed, or repaired from individuals’ credit reports.

“With our services, you will no longer have to use other expensive credit repair companies that charge monthly and don’t even produce results,” Coakley promised, before adding, “We are so confident in our advanced disputing tactics that we will allow you to pay for your deletions after you actually see our results and we even give you a 100 percent money-back guarantee to back it up just so you can relax.”

Coakley went on to reiterate that Credit360 is an elite team of credit experts that know exactly what techniques will assist customers with increasing their credit scores to meet their goals.

“With our services, most of our clients see deletions within the first 45 days of enrollment and usually see an average increase of 93 points throughout their program cycle,” Coakley said.

In addition, the company also recently launched its Business Credit Program.

“Our Business Credit Program works directly with small business owners to help them get approved for new business funding and business line of credit options,” Coakley said.

Coakley went on to note that the individual business credit record is the primary way that companies evaluate whether to do business with a particular company – and on what terms.

Business credit includes a variety of data points about your business, such as the date it started, the skills and experience of your top leaders, the number of employees, and annual sales. This type of information, Coakley noted, is listed in the business’ credit profile, along with scores and ratings that are derived from the business’ past behavior to predict its future behavior.

“We have relationships with a number of business financing institutions and know each of their individual requirements and criteria, so we can help you become eligible for the best business line of credit as quickly as possible,” Coakley revealed, before adding, “Don’t let a bad business credit score or other factors prevent you from gaining access to the business funding you need most.”

The types of credit that Credit 360 can help businesses access include:

  • Store Business Credit with Dell, Apple, Walmart, Amazon, Costco, Sam’s Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most other major retailers.

  • Fleet Credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles.

  • Cash Credit including Visa and MasterCard accounts you can use in most locations worldwide

  • Auto Vehicle Financing to purchase or lease your primary vehicle or a fleet of vehicles in your business.

For more information, please visit https://www.credit360.biz/about-us and https://www.credit360.biz/blog.

About Credit 360

Credit360 was established to assist individuals in restoring their personal credit and in offering a complete line of business credit solutions. Credit360 is a financial services firm specializing in credit restoration and business consulting services.

Contact Details:

Andre Coakley

10664 SW 186th Street
Miami, FL 33157

Phone: 305-235-4848

Source: Credit360 Credit Repair

Media Contact

Andre Coakley, Credit360 Credit Repair, +1 305-235-4848, wmt231@gmail.com

SOURCE Credit360 Credit Repair

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