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State AG office issues list of Top 10 consumer affairs complaints

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NASHVILLE, Tenn. (WATE) — The Tennessee Attorney General’s Office Division of Consumer Affairs announced its top 10 complaint categories for 2019 on Tuesday.

DCA received a total of 4,250 complaints in 2019 and recovered both services and funds for Tennessee consumers and businesses. Overall, the number of consumer complaints increased in 2019 compared to 2018 when 3,750 complaints were reviewed by Consumer Affairs.

The Division’s staff works to quickly route complaints so that appropriate action can be taken in cases where deceptive business practices, frauds or scams are found to be at play.

The Top 10:

1. Internet sales: 960 complaints

Common complaints include issues with refunds and returns, as well as the business not providing the product or service that was advertised or paid for. In many of these cases, the product or service was solicited via email or social media advertisements.

2. Home improvements, repair, warranties: 491 complaints

The most common complaints involve quality of work, incomplete work after receiving payment, and structural damage caused by employed individuals or businesses. Many of these complaints are referred to the Tennessee Board for Licensing Contractors.

3. Products and sales: 443 complaints

Common complaints include issues with refunds and returns, as well as the business not providing the product as advertised.

4. Timeshare/vacation clubs: 260 complaints

The most common complaints reported were high-pressure sales tactics, misrepresentation of the contract, and resale scams. The complaints are often referred to the Tennessee Real Estate Commission and the State Board of Professional Responsibility.

5. Motor vehicle- used sales and advertising: 229 complaints

Disputes over the vehicle’s condition and deception regarding the sale, advertising, and titling were the most common complaints. Consumer Affairs often works closely with the state Motor Vehicle Commission when handling these types of complaints. In addition, these complaints may be referred to the National Highway Traffic Safety Administration and the state Department of Revenue.

6. Personal/professional services: 391 complaints

This category relates to services offered by professionals working in the state of Tennessee, including hairstylists, massage therapists, locksmiths, exterminators, photographers, surveyors, and others. Common complaints include the quality of service, charges for service not received, and problems redeeming gift certificates for services offered. Some agencies these complaints could be referred to include the state Department of Commerce & Insurance’s Division of Regulatory Boards and the Tennessee Board of Professional Responsibility.

7. Heath services and products: 222 complaints

Consumers’ most common complaints include being misquoted for services and inaccurate billing. The Division may mediate complaints or refer appropriate complaints to the Tennessee Department of Health.

8. Landlord/tenant: 195 complaints

The most common complaints relate to security deposits and the conditions of the rental property. These complaints are commonly referred to city and county building codes enforcement and the State Fire Marshal’s Office.

9. Debtor/creditor: 163 complaints

This category includes matters related to debt collection companies, payday loans, credit repair companies, and check-cashing services. Consumer complaints often related to harassing phone calls or billing issues. These complaints are often referred to the state Department of Financial Institutions and the state DCI Regulatory Boards Division.

10. Insurance: 177 complaints

This category relates to insurance issues such as those involving consumer health insurance, pet insurance, and unlicensed insurance companies. Most consumers complained about policy coverage and claims. These complaints are often referred to DCI’s Insurance Division.

As of Sept. 30, 2019, the Tennessee DCA transferred from the Tennessee Department of Commerce and Insurance to the Office of the Attorney General. The move was made to streamline efforts to educate and protect consumers while creating a direct link between the consumer specialists working directly with consumers and the attorneys who investigate and work to resolve cases.

For more consumer resources, or to file a complaint, visit the DCA website at tn.gov/consumer or contact us at 800-342-8385 or consumer.affairs@ag.tn.gov.

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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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ACTION13: How to protect your credit score

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HOUSTON, Texas (KTRK) — Unpaid credit card debt and missed mortgage payments are two of the biggest things that leave negative marks on your credit.

Credit Repair experts say the economic shutdowns are causing credit scores to fall for a lot of people.

One way to possibly stave off a hit to your credit is a through a forbearance.

A forbearance is where the lending agency agrees to let you pause your payments for a period of time, and it will not count against your credit.

This works for both credit cards and home mortgages.

But keep in mind, you have to be caught up on your debts to get a deferment. So, if you are going to miss a payment, reach out to your bank or lender sooner rather than later.

“Reach out to your bank. Work with your bank,” said Robert Pfister with 755 Credit Score. “Work it out. Banks usually help you when you reach out.”

755 Credit Score also says you can get a free consultation.

You can get a free copy of your credit report every year from the three credit reporting agencies Experian, Equifax and Transunion.

RELATED: You can boost your credit score with a few simple tips

Follow Jeff Ehling on Facebook, Twitter and Instagram.

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