First Credit Services Inc.

Credit Pulled Without Authorization - What Next Hello all - long time lurker, first time posting. I need some help with this. I'm not sure what do to or how far to take it. Background: We bought a camper last summer from an out of town dealer. My other half wants to "upgrade" to a bigger camper. Apparently there was a discussion with the dealer about trade in and getting a new one that I did not know about. Last week (Thursday) I get a series of notifications on my phone that I had new credit inquiries (eight in total). I'm out of town at a work conference and just don't have time to deal with identity theft \*right now\*. I called the location listed on the first credit pull and spoke to the finance manager. He confirmed that someone had authorized the credit pull. I told him that it was not me and I never authorized the credit application and, at this point, I'm not going to authorize the inquiries. As far as I'm concerned, someone has pulled credit for a potential loan without my consent or knowledge. He confirmed that the credit pull happened at a different location in the franchise. Fast forward to today. I talked to the finance guy at the actual dealership where this "deal" was being arranged. He confirmed he pulled credit. I asked why he didn't get a verbal agreement from BOTH parties and he said, "I thought you were in this together." I informed him that I did not know we were looking for a new camper, I did not agree to having my credit pulled, and I will not retroactively agree. He apologized and said it was a misunderstanding, and, if we were to buy a new camper, that we would get my verbal or written consent. He was very nervous for the entire conversation and, while I was polite, I was very direct and I did tell him that I was pretty pissed off that he did this without my consent. So now here I am. I have eight inquiries on my credit. I know these don't significantly impact BUT I did not approve, I did not consent, and I didn't even know

On their website they ask that you put in your banking information then proceed to call you and ask very personal and sensitive information regarding your account. [BBB Scam Type: Advance Fee Loan] [Business: First Credit Loans USA] [Location: KY, USA - 40004]

I searched via Google for Muck Boots company, and found a site that looked very legitimate. I purchased a pair of shoes through the website. The first credit card payment I tried to make did not go through, and then I tried with my debit card, both did not go through. Then, I tried another payment option they had via PayPal, with my credit card, and it said it was confirmed. After this, I did not receive any order confirmation nor any follow-up communication from the company. I saw that my credit card was charged for the amount of the product by merchant name : payfly*gsuits.shop (HKHK), yet my merchandise did not arrive and I did not get an order confirmation number. It's obviously a scam, and the site was incredibly well done. I can no longer even find the original scam site I went on.... [BBB Scam Type: Online Purchase] [Business: Muck Boots-imposter] [Location: ON, CAN - M2L 2H8]

I was ordering 2 sweatshirts & a hat for Christmas & my first credit card didn’t work & said it was declined so I got out another 1 & it went through a day later I checked my card statement & seen I was charged full price for the sweatshirt’s on PayPal & I don’t even have a PayPal account. So I’m pretty sure I was hacked. I did reach out to them & they refunded $17 now they are ignoring me. I’m pretty sure I was hacked. Please help me get my money back. Thank you. The company is from Hong Kong. Thank you so much . [BBB Scam Type: Online Purchase] [Business: Paypal Impostor] [Location: OH, USA - 43701]

We saw an advertisement on our phone, when looking up "YouTube TV", stating "2 free months of YouTube TV". Due to financial reasons the deal sounded good, therefore a call was placed to the number listed on the advertisement. The customer service agent was rude and aggressive, stating that the first credit card wouldn't work and I'd need another one. He said that he could do the payment information faster and better than I could. He had me download an app with a "VPN" at the end of the title, that allowed him remote access into my cell phone. I'm not sure how much information he gathered while he had control over my phone, but he got access to my credit cards. I discovered multiple large charges ranging from $300 to $500 when I contacted all of my credit card companies. He also had me do an iPhone wallet on my husband's phone to try and collect additional payments. He was trying to take payments from both my phone, an Android, and my husband's phone, an iPhone. My credit card companies shut my cards off and I was able to contact the BBB for further steps on how to recover from a scam like this. [BBB Scam Type: Retail Business Business name YouTube TV] [Business: YouTube TV] [Location: IN, USA - 46737]

They didn't get any info due to me being extremely weary of scammers or fraud.. but I received a text saying I was approved for a loan and if I wanted to proceed to click the link to reseve a call. I did and they called it sounded to be someone Middle eastern then they wanted info. I dident give them so they said they could send a cashears check but it would cost 199.00 for shipping affiliate fees [BBB Scam Type: Advance Fee Loan] [Business: First credit loan] [Location: OR, USA- 97060]

I keep receiving calls from "Kiana Navarro" and I can't make out the company, maybe First Credit or something similar, it is a recording and then they want you to select a number to connect. They are claiming I had previously submitted a loan application and didn't move forward last time and now are reviewing it again -- I have never applied for a loan, do not know how they have my information. They keep calling me multiple times a day, so I have answered the past three days in a row 02/09-02/11/26 and spoke to a representative who somehow knows my full name, and requested to be removed from their call list. They assure me that they will, but then they call again. [BBB Scam Type: Phishing] [Business: Unknown] [Location: VA, USA- 22192]

This lady supposedly named Molly Joan had an apartment listed on Facebook marketplace, I reached out to her and then she wanted me to sign up for different credit report websites that required payment. Then she asked for another website to be filled out for a "public record" check. She claimed the previous tenant was a criminal and she wanted to double check all information prior to viewing the apartment. I lost 30$ bucks on the first credit website and when I went to sign up for the 2nd one it was obviously a scam website called mymonthlyscore.com she claimed it was for a background check but it was a "credit score" website. Ridiculous! [BBB Scam Type: Rental] [Business: Unknown] [Location: NY, USA- 11101]

My fiancé found a Toyota Tacoma truck online, and called Kalamazoo Auto Sales, where he found the truck initially. He received the VIN, and paid to have Carfax run a report. Everything seemed to check out, so he then went to his loan company and completed a wire transfer as requested by the seller. The loan company, Deseret First Credit Union, went forward with the wire transfer, even though the beneficiary was listed as "PR Products of FL LLC" and the address was a Florida address. The wire transfer went through, and after a few days we saw that the listing was not taken off of the web page. I called Kalamazoo Auto Sales, after seeing online reviews that it was a scam, and they were prepared to sell me the same truck that my fiance purchased. They blocked our phone and refused our calls when we confronted them. My concern is that Deseret First Credit Union would not have a concern regarding the company not matching the name of the company that we requested, and of course, Kalamazoo Auto Sales. [BBB Scam Type: Online Purchase] [Business: Kalamazoo Auto Sales] [Location: NV, USA- 89701]

While on Facebook, I saw an advertisement for a makeup bag and attempted to place an order. My first credit card declined the transaction, which I assumed was a glitch, so I used a different card. That transaction went through. I expected to receive a confirmation email with order details, but none ever arrived. Several weeks later, I received a package containing green bows, which I did not order. The makeup bag has still not arrived. In addition, I have started receiving unsolicited text messages from various phone numbers, which I continue to block, but new ones keep appearing. My credit card was charged $59 for this purchase, and I am concerned this may have been a fraudulent transaction. Thank you for your assistance with this matter. [BBB Scam Type: Counterfeit Product] [Business: David/LC] [Location: WA, USA - 98258]