Microsoft is under fire after a recent video from a “boring” credit builder shows a woman giving a demo of a computer she built in her home, which she says costs less than $100.
The company, CreditBuilder, has been criticized for charging up to $1,000 for its “borious” loan products.
In the video, the woman, who is clearly in her 20s, demonstrates how she made a $500 PC, and how she used her home computer to build it out.
The “boron” in CreditBuilder’s name is a reference to a popular PC gaming console, the PlayStation 4, and is a common term in online forums for making the PC “borrowed” from another user.
“It’s a stupid way to make a profit,” said Paul O’Neill, a software engineer at Facebook.
“I’ve seen companies charge as much as $1 million for an old PC,” he added.
“You’re making $100 worth of work and you’re only getting $1 out of it.”
O’Brien, a computer engineer who has built dozens of PCs over the years, called CreditBuilder a “stupid, pointless, pointless business.”
“If you can’t figure out how to build a $100 machine from scratch in your living room, what are you supposed to do?” he said.
CreditBuilder has been sued multiple times by consumers who claim it failed to follow consumer-friendly guidelines when it offered credit for PC build.
The credit builder, which is based in Mountain View, California, said in a statement that the video was “unsubstantiated and misleading,” and that it was reviewing the video.
“This type of fraudulent conduct is unacceptable and we will take action if required,” the company said.
O’Connor said he was particularly angered by the woman’s claims that her computer “couldn’t run Windows 8,” a widely-praised Windows 8.1 operating system.
“In a lot of ways, that’s just a lie,” he said, adding that the idea that a $1 computer could run Windows 10, a version of Windows that is far more popular, is “stunning.”
“There are plenty of people out there that know how to get a new computer,” O’Neil said.
“A lot of people will be able to do it.”
CreditBuilder is the third company to be sued by consumers over its PC builder products.
Last year, consumers in Arizona sued a company called PC Builder over its “buy-back” program, which allowed consumers to buy a PC for $1 and then resell it for $3 or less.
The court ruled that the program violated the state’s consumer protection law and was a “fraud on the marketplace.”
In March, a California woman sued her credit union over the company’s “borish” loan program, and the judge agreed that the company was “dishonest.”
In a statement, Credit Builder said it was investigating the allegations and had not received any legal action.
“The company does not accept responsibility for the actions of its contractors and does not condone the fraudulent behavior,” it said.
The woman in the video said she built a computer out of her bedroom and bought it in the middle of a busy shopping mall.
“There’s a lot to be said for not spending your money on the latest gaming console,” she said.