CCH ripped me off for $2,800 beware!!!

I would file a complaint if I were you... They have to be accountable to someone.

Read this board and you'll be able to eventually add your own tradelines. Don't give up!

 

I would file an administrative complaint with the Texas AG's office. I would file a complaint with the FTC. More importantly, I would seek out the local DA's office there where you live and see if CCH's actions rise to the level of fraud or perhaps obtaining property by false pretenses (doubtful b/c it is future promise). Finally, I would sue there pants off under the CROA and a whole slew of common law intentional torts which will further avail them to punitive damages.

You know, people are so wrapped up in this whole FICO 08' farce that they are actually considering "individual" tradelines from scammers like CCH. There is no reason to do it . . . AU's work just like they always have. People call us daily wanting to know if we offer them and the answer is NO! It is simply fraud and if we were to do it, we "may" be complicit. In any event, it is unethical.

Point is . . . go with a company that is legitimate. Make sure they're licensed, registered, and bonded. Furthermore, if they're not a member of the BBB, take a walk. If you don't have enough money to conduct business properly, you're bush league. If the website is cheesy, move on. These are all fairly easy signs to spot.

Now, there are still options for tradeline additions but, "individual" accounts such as CCH and seasonedtradelines.net offer are not it. Well, they're it if you like participating in mail and wire fraud.

 

In addition, if you're going to try and find counsel I would recommend either Dean Malone or Craig Jordan. Of course, this is if you're thinking of litigating in Texas which I would suggest inasmuch as I think Texas carries a criminal penalty.

On a side note, companies like these give ours the proverbial black eye. As such, we despise them more than anyone. It makes it virtually impossible to conduct business outside the watchful eye of governmental agencies and the public at large. While we've spent a good deal of money to perform honestly and in compliance with state and federal regulations, we're still percieved the same. Point is that if more consumers would step up to the plate, there could be a legitimate place for credit restoration. Until then, scammers and con artist will continue to harm consumers.

 

If she don't live in Texas then she can't litigate in Texas courts. One thing I just thought of is that if she paid by credit card she can do a dispute with the credit card company. That just might get money back. On top of that she can also attempt to complain to the FBI and the Postal inspectors. She should also try both of those. I don't know if she will come back to read any answers or not so I will email her directly telling her to also try to complain to the FBI and the Postal authorities.

 

She can file in Texas as easily as she can in her home state because that is where CCH Consulting and their owners reside. Moreover, that is where the omission which gave rise to harm occurred and it is likely where the Agreement was reached, if any.

Jurisdiction is properly vested there.

I do agree though that a "charge back" on her credit card is probably the easiest way to recompensate her funds.

 

Maybe she can but I seriously doubt that the El Paso County DA would be likely to file charges from a person living in another state because that person may or may not show up for trial and if they didn't then the case would have to be dismissed. On the other hand she does have standing to complain to the Texas AG since she was defrauded out of a substantial sum of money. Getting the Texas AG to do anything is another matter. I just happen to know all about that. Getting the FTC to do anything about is most unlikely so her best bet is the FBI and the Postal Inspectors if she didn't pay by credit card because a criminal fraud has been committed upon her.

 

Oh, I'm talking about a civil action. That is what I thought you meant by "litigate." As for a criminal complaint, I think that your assessment is on the money and it would do little in terms of recompensation.

Again, I would think the best bet is a charge back if she used a credit card. Otherwise, I think you're again correct insofar as its going to be hard to get anything out of this crackpot company. From the little research I've done, it seems CCH Consulting is a scam company. Moreover, it seems they like to file frivilous lawsuits that scream PRO-SE just by the Complaints alone. The owners case against Experian was actually quite humourous. I wonder how Jones-Day handled that one . . .

I hope CCH doesn't sue me for defamation! Oh wait, truth is a defense so I should be covered.

 

I haven't checked on it for a while now because nothing is scheduled to happen until later this month. The judge ordered it to go to a rule 26F meeting by a late September date. I am not worried much about how that will come out with Experian because they will get very little if anything out of Experian. Maybe a grand max is what I would expect and maybe not even that. It seems that the fool is absolutely stuck on dead center for taking it to a jury trial.

Personally I think Jones-Day would be far better off doing a Rule 68 motion on Cunningham offering a grand plus his costs. The Defendants in that case and the other one against Alliance One might be well served doing the same.

I hope CCH doesn't sue me for defamation! Oh wait, truth is a defense so I should be covered.[/quote]

Knowing what I know about you I'll bet you are absolutely trembling from fear of any lawsuit they would file against you.

NOT!!!

 

Ah, Rule 68 . . . the ole Acceptance of Judgment route, eh? I hate those from the Plaintiff's side of the table b/c it essentially ensures that we have to accept what they're offering. No way anyone can advise there client against them with fees and costs lingering should you not get a jury to award what the offer of judgment is. From a Defense standpoint, it is very good procedural manuever.

If CCH's owners case would get to trial, it would be horrific! Talk about a damn circus. However, I can't see that case withstanding a good Summary Judgment or JMOL as to damages. It's hard to make the argument that inquiries account for a lot of damages even if you can make an argument as to liability under the FCRA.

Okay . . . we've gotten way of topic. Oh yea, OP make a charge back or sue em' if you can serve em'. If not, mail and nail it at the last place of known business or personal address. I think that still works in Texas.

 

Well, if she decides to sue them in civil court she ought to wait until Cunningham wins his $10 million or so (LOL) from his current suits. Problem with a civil suit is that they will try to hide behind their non-profit corporate veil. She would have a nightmare with that one because she would probably have to sue their New Mexico corporation and serve their Las Vegas representative for service of summons. While I don't have definitive proof of the matter I'll bet their Las Vegas rep only has a P.O. Box located somewhere in New Mexico, quite possibly in that little berg where the LaTuna Federal Prison is located. That's about the closest New Mexico town to El Paso that I know of. There may be others closer than that one that I don't know of however. The Nightfall Lane address where Cunningham lives is not far from the line at all.

So since she did business with CCH Consulting LLC and not with either Cunningham or Callier I'm thinking she is going to have a terrible time trying to sue CCH. They probably keep it pretty well drained and after all, what assets could it possibly have? I'll bet it don't even have a computer.

And operating out of Callier's house in Texas without having filed with the Texas Secretary of State as a foreign corporation or as a credit repair organization under the Texas Finance code? And without an El Paso City business license? They can get away with that since there aren't any signs or anything externally indicating that a business might be operating there? Believe me, I've checked all that out.

If she didn't use a credit card and don't file a complaint with the Texas AG she don't have a crying chance of getting any money back so she might as well go for a federal criminal complaint and put an end to them once and for all if she can.

 

I don't know but, I wouldn't think it would have expired in less than 90 days assuming there was one.

 

There are multiple answers to your question. The Fair Billing Act says you have to dispute within 60 days but in the end it will depend on what your cc company decides. FBA works more in favor of the CC Companies than it does in favor of the consumers. I would say that you still have an excellent chance of getting your money back but they will probably dispute your complaint. It most likely will end up getting decided in your favor.

Just be sure to say you mention the fact that they are a credit repair company and that will enhance your chances greatly. Credit Card Companies hate credit repair organizations.

 

Yes, they do because of scum bags like CCH! This is the reason we have to use online merchant accounts with outrageous fees. Thanks CCH!!!!!

In any event, I'm not sure a FCBA dispute and a "charge back" are the same thing. They may be . . . but, I'm reluctant to say that the FCBA timeframe is applicable.

In any event, wrench is right in that if you say "credit repair" you'll likley get your money back.

Incidentely, we've never had one but we don't process them directly (no one will touch us plain and simple). However, it seems that most of these outfits do process directly. I wonder how that is . . . they're lying about the nature of the business.

 

They are very similiar but not the same thing

An FCBA billing dispute is for use when the consumer believes that the CC company has made an error in their billing but a chargeback is used when the consumer has a dispute with a merchant.

 

This may be another good place to report CCH Consulting.

http://www.ic3.gov/

 

Listen to the story of this man who claims that CCH Consulting ripped him off for $4,000 and gave him absolutely nothing in return. This is a recording of a small portion of a phone call that came in on my cellphone. You can hear only his words and nothing that I said because the recorder is only plugged into the earphone jack so don't pick up the outgoing voice. The call lasted for almost an hour but I've edited out all of the gaps left during the time I was talking and most of what he talked about because it is irrelevant to his complaint about CCH Consulting and how they ripped him off for the $4,000. http://www.creditwrench.com/cchconsulting4000.mp3

 

Makes it difficult to do business . . .