Complaint Review: Goodcreditunion.com / A&S LLC

My name is Josh White and sometime around mid June 2015 I was introduced to Alexander of GoodCreditUnion.com by a trusted friend who thought he might be a good prospect in a "shadowy" credit repair service I needed, specifically, purchase of an auto primary Tradelines (to lower rate on new car loan). Beforehand my friend made me aware of the risks and said he had not worked with Alexander before.

We searched Secretary of State NY of entity he requested we remit payment to and found GoodCreditUnion.com/A&S LLC to be owned by Aderibigbe Ogundiran aka Alexander. However, when I reviewed what Primary lines were advertised on GoodCreditUnion.com and spoke to Mr Alexander with questions regarding time for lines to post, probability the line would post and show up as advertised, how I would be protected if line didn't show up, etc Mr Alexander made me feel comfortable enough to move forward.

He said lines would show up in a week, there was a 99.5% chance line would show up and show up as advertised, and that I'd be protected by full refund or correction of error if for whatever reason things did not workout as agreed but he was pretty (99.5%) certain they would. This was the last time I spoke to Alexander directly. On around June 26, 2015, I decided to move forward with purchase of a 3-5yr $30k-$75k auto primary which was $1500 and suppose to post to TU and EQ within 7 days (see attachment), and had my friend who at the time was overseeing things wire Alexander the funds.

By evening June 26 we received confirmation money had been received by Alexander and also confirmed the order. This is where things get murky. One week passes by. No tradeline. Two weeks pass by. No tradeline. Three weeks pass by. No tradeline. Four weeks no tradeline! During this time he was impossible to reach by phone or email. Once or twice he sent obscure 4am emails saying something or another but no tradeline. Then we see he has increased all the prices by $300 on his website! At this point my friend who was overseeing things pretty much wrote Alexander off as a scammer or at very least an obscenely unprofessional character and confronted him as such.

During this time I had not spoke to Alexander I get a call from my friend saying "a" line is on your report but it's not an auto and it's nowhere near $30-$75k, when I review my report I see a $17k revolving on TU. We review the price list from when we made the agreement and realized we had received a $1200 revolving line we didn't even ask for instead of the $30-$75k auto I paid for. Our first reaction was relief that our business with Alexander was not a complete loss altogether which my friend and I both believed was the case. Second reaction was to inquire about what happened to the original agreement of a 3-5yr auto primary $30-75k posts in 7 days and the 99.5% probability there would be no errors and the correction or full refund in event of error?

After the $17k line showed up he began answering the phone again but THIS IS WHERE it basically became necessary to share my experience with Alexander with people think of dealing with this guy! My friend who had been dealing with Alexander on my behalf at that time brought it to his attention what I received is not what I wanted or paid for. This is when Alexander begin making threats to my friend by email that eluded to him being able to ruin me and things of that nature which implied that by him having my Name, DOB, and SSN he "knew how to do things" it was very scary to hear!

He accused us of writing checks to some hotel and said he filed police report and we wer going to jail! We didn't have a clue what he was talking about! He said he refused to do any further business with us which would not have been a problem if we had received what we paid for but we hadn't! There still was the the matter of $300 difference in what we paid for and what received and basically us wanting what we paid for or at least to be made whole. We became very concerned about Mr Alexander even having access to my full name, date of birth, SSN, and address the way he started to act.

He said that even though the line I end up getting was worth $1200 and I paid $1500 for something different altogether there was nothing he would do and I should be happy with what I got since he got nasty email from my friend! At this point my friend backed out of talks with Mr Alexander over the issue. In the interest of clearing things up I begin emailing Alexander saying look man I'll keep the line and pay you for the auto I originally ordered if you credit me the difference between what I received and what I was charged for which represented $300.

He said he wanted more cash and that he could credit me nothing! He admitted he didn't give me the auto line because of an email he got from my friend! My question to him was how is that hurting my friend! That's hurting me! I'm the one who paid and you knew it was for me! He replies he has an MBA and something about all the clients he has and a bunch of other stuff that had no relevance to our transaction, and that I should be happy I even got a tradeline at all even if it's not what I wanted or paid for! This upset me.

I realized I was wasting my time even talking with this guy! He took my money gave me some bull**** I never even asked for in the first place 4-5 weeks after he said it would be there then told me he refused to do business with me when I asked him to correct it or refund me the difference! What Alexander will not say before he gets your cash and your personal information is that after he gets your cash and personal information he will threaten to "ruin you" and have you "blackballed" using your info if you complain about him giving you something other than what you paid for.

The man is vindictive and uses the fact that he has your money, name, DOB, address, SSN to leverage threats to deter you from complaining about him publicly not performing as agreed! He himself poses as clients he has helped successfully to rebut complaints people have filed against him. He speaks as if there a big company but he is alone! If you are thinking of using GoodCreditUnion.com call or email me beforehand. I will show you exactly what steps to take in event you have a similar experience with this clown! Josh White