Personal Credit Services help consumers to get loans. They direct consumers to the right lenders so that they can easily take out a loan. Glance through the sections below to get an idea about what consumers have to say about Personal Credit Services.
Major complaints against Personal Credit Services
Here are some of the major complaints consumers have made about Personal Credit Services.
Personal Credit Services scams: One consumer complained that Personal Credit Services (PCS) is a scam because they charge upfront fees to help consumers get a loan. For example, if a consumer gets a loan of about $1000, then the company would charge a fee of about $200. The consumer would only get $800. Learn more
Loan application rejected: One consumer complained that his loan application was rejected by every lender on the list even though he paid the fee. He had to send all the loan declined notices to PCS to recover the money he paid them. Learn more
Credit score ruined: Another consumer said that he had sent $500 to the company. But he didn't get approved for a loan. When he contacted PCS to get his money back, they refused to return the money. They advised him to apply to other lenders, which would damage his credit score even more. Find out more
No refund: One consumer complained that he paid $200 to the company but only one lender approved his loan application. He had applied for a $15000 loan but he got only a 300 credit card. He tried to get his money back for around 3 months, but with no success.Learn more
No one replies: Another consumer said that he was a victim of a Personal Credit Services scam. He received an email from the company informing him that he would get a loan of about $6000 by paying a $600 security deposit. He paid the security deposit but didn't get the loan. He called them million times but has been unable to get a proper reply. Learn more
Ways to deal with Personal Credit Services
Here's what you can do if Personal Credit Services contacts you:
Do your homework: If you have received any advertising mail from Personal Credit Services then you should research the company first. It is easy to be attracted to these offers when you are in need of money but you should gather as much information about the company as you can before working with them. Go through their client testimonials to learn whether the company's prior customers are satisfied with their services.
Check with BBB: It is always better to check out a company with the BBB. You can visit BBB's website and learn about accreditation, customer complaints, contact details, type of business, etc. It is advisable to deal with a BBB accredited business.
Never give out your personal information: You should never reveal personal details (bank account number, social security number, etc.) to the company because revealing this information could cause you problems later.
What to do if you're scammed by Personal Credit Services
If you have been scammed by Personal Credit Services, then contact your State's Attorney General as soon as possible. If you have paid an upfront fee to the company and your loan application has been turned down by the lenders recommended by them, then report it to the attorney general who will take the necessary steps against the company.
Contact details of Personal Credit Services
You can contact Personal Credit Services at:
321 Dante Court Suite #A1 Holbrook, NY 11741
Phone Number: (516) 238-6199 (631) 930-6422
Fax Number: (631) 240-5879
i applied with pcs for a loan the email i got had ...
i applied with pcs for a loan the email i got had a link it and i went to this and this what it said. Here are the results of your loan inquiry. We have researched the following lenders and have determined that you will be approved for up to the amount you seek. See Guarantee below:
Lender # 1: Maximum up to $ 25,000.00-$ 30,000.00 as a personal loan. Interest rates start at 8% and up. Lender # 2: Maximum up to $ 5,000.00-$ 25,000.00 as a personal loan. Interest rates start at 7.0% and up. Lender # 3: Maximum up to $ 3,000.00-$ 15,000.00 as a personal loan. Interest rates start at 6.25% and up. Lender # 4: Maximum up to $ 4,000.00-$ 25,000.00 as a personal loan. Interest rates start at 4.75% and up. Lender # 5: Maximum up to $ 6,000.00-$ 12,000.00 as a personal loan. Interest rates start at 8.5% and up. Lender # 6: Maximum up to $ 500.00-$ 10,000.00 as a personal loan. Interest rates start at 4.8% and up. Lender # 7: Maximum up to $ 5,000.00 as a line of credit. Interest rates from 9.99%. Lender # 8: Maximum up to $ 1,500.00 as a line of credit. Interest rate 18.9%. Lender # 9: Maximum up to $ 20,000.00 as a line of credit. Interest rates from 2.9%. Lender # 10: Maximum up to $ 1,000.00 as a line of credit. Interest rates up to 18.9%. (Personal loans usually last for 1-5 years, sometimes 6-7 if desired. Terms and conditions are subject to change at lender's discretion.) You can ask for any amount you wish starting at $ 250.00. You must indicate how much you want, and you will need to send us a referral fee based on the schedule below. If you apply to these lenders you will be approved for up to the amount you request or we will reimburse your fee based on the amount you are actually approved for collectively from the lenders. The fee that Personal Credit charges is for the information that Personal Credit provides. If you wish us to release the information on these lenders to you, we will need to receive the proper referral fee that is due according to the following schedule:
ANY AMOUNT BETWEEN: $ 200.00 AND $ 1,000.00 Regular Fee=$150.00 Early Bird Fee=$ 75.00 $ 1,001.00 AND $ 2,500.00 Regular Fee=$ 200.00 Early Bird Fee=$100.00 $ 2,501.00 AND $ 5,000.00 Regular Fee=$250.00 Early Bird Fee=$125.00 $ 5,001.00 AND $ 7,500.00 Regular Fee=$300.00 Early Bird Fee=$150.00 $ 7,501.00 AND $10,000.00 Regular Fee=$350.00 Early Bird Fee=$175.00 $10,001.00 AND $12,500.00 Regular Fee=$400.00 Early Bird Fee=$200.00 $12,501.00 AND $15,000.00 Regular Fee=$500.00 Early Bird Fee=$250.00 $15,001.00 AND $20,000.00 Regular Fee=$600.00 Early Bird Fee=$300.00 $20,500.00 AND $25,000.00 Regular Fee=$700.00 Early Bird Fee=$350.00 $25,500.00 AND $30,000.00 Regular Fee=$800.00 Early Bird Fee=$400.00 Anything over $30,000.00 Regular Fee=$1,000.00 Early Bird Fee=$500.00
EARLY BIRD SPECIAL: If you pay the referral fee within 15 days from the date of this email, you only need to send the Early Bird Fee. If we receive payment after 15 days then we require the regular fee.
So i know from reading the boards and such that this is a scam like everything else i mean why should i pay money out to get money? that never made sense to me. i learned that when i tried to get loan with 200cash or someone like that where they charged a processing fee that i didn't know about and they took out 15 odd dollars and i didn't get approved. but just wanted a let you all know you probably already did but i didn't know.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.