Complaint Review: MSI Credit Solutions

House of Cards - a speculative scheme that depends on unstable factors that the planner cannot control, a structure that is insubstantial and subject to imminent collapse.

I was doing an advance search and came across this and the other reports by Ricardo Mendiola co-owner of MSI Credit Solution wrote . This upset me (as it will others) that MSI thinks they are above the law and can hurt people and families. I have to say that I agree with Steve Rhodes when he said and I quote "Ouch. That response from MSI Credit Solutions is the wrong approach to resolving consumer issues. May I humbly suggest you take a look at How to Handle a Consumer Complaint Like a Pro And Come Out Smelling Like a Rose"  Mr. Mendiola you have crossed the line and you will be held accountable for your actions. In the other reports you write an apology letter asking Mr and Mrs McCombs to find it in their hearts to forgive you and then you write this. Your company is a sham and I hope everyone searches your name, Robert Neal, MSI Credit Solutions, Tri-Source and all other companies tied to you. They will see how you constantly contradict yourself and lash out out at people. When someone uses the Internet to threaten someone or treat them in a negative way this is known as cyber bullying, and you Mr Mendiola you are a BULLY.

Mr McCombs (or anyone else) if you see this please report MSI/Mr Mendiola because together we can and will stop them from hurting others. Don't let bullies like Mr Mendiola or others at MSI get away with it! Stand up and let your voice be heard.

The website states:

Problems with a Credit Repair Organization?

If you have had problems with a credit repair organization, you may be entitled to recover money.  Contact one of our attorneys today!

Again please anyone who has had problems with MSI Credit Solutions contact Consumer Class Action and tell them your story. Click on or copy and paste the website below and file now!

http://www.consumer-classactions.com/investigations/general-consumer/problems-with-a-credit-repair-organization/

MSI is NOT above the law please see below:



INDIANAPOLIS, Ind. The Attorney Generals Office filed lawsuits against:

Consumer Credit Group of Florida and Proactive Planning Solutions of Arizona for violating Indianas Do Not Call Law and Auto-Dialer Act known as the robo-call law.

Both companies violated the Credit Service Organization Act and Deceptive Consumer Sales Act by not obtaining $25,000 surety bonds with the state and collecting money upfront without performing any services.

Debt Zero of California for collecting money up front, failing to provide services or a refund and operating without a $25,000 surety bond.

Clear One Advantage of Maryland and Credit Arbitrators of Texas for violating the Credit Service Organization Act and the Deceptive Consumer Sales Act by not obtaining the required surety bonds.

In addition, the office has entered into settlements with American Debt Services, Capital Debt Relief, Credit Answers, Financial Management, MSI Credit Solutions and Silverleaf Debt Solutions.



Can be viewed at:

 http://www.in.gov/activecalendar/EventList.aspxfromdate=1/1/2012&todate=12/31/2012&display=Year,Month&type=public&eventidn=53390&view=EventDetails&information_id=107077&print=print



Here's another one:



Todd v. MSI Credit Solutions LLC et al

Plaintiff: Michael Todd

Defendants: MSI Credit Solutions LLC, Robert Adam Neal and Ricardo Mendiola

Case Number: 1:2011cv02988

Filed: May 5, 2011

Court: Illinois Northern District Court

Office: Chicago Office

County: Cook

Presiding Judge: Joan B. Gottschall

Nature of Suit: Other Statutes - Other Statutory Actions

Cause: 15:1681 Fair Credit Reporting Act

Jurisdiction: Federal Question

Jury Demanded By: Plaintiff



Can be viewed at: 

http://dockets.justia.com/docket/illinois/ilndce/1:2011cv02988/255248/



You can read what Steve Rhodes had to say and other complaints about MSI Credit Solutions at:

http://getoutofdebt.org/21885/msi-credit-solutions-scam-complaint-review-or-praise









Together We Stand : Divided We Fall



FOR YOU MR. MENDIOLA AND THE REST OF MSI CREDT SOLUTIONS:

oh what a tangled web we weave when first we practice to deceive

I agree wholeheartedly with you and thank you. When we told them we wasn't interested it should of stopped there, but instead Ricardo Mendiola posted some very nasty lies about my husband on this website under dead beat dads in retaliation for calling his company a SCAM and asking him to leave us alone. I then had to contact several places including NASCO to get the threats and harassment to stop. Now I see he has started it up all again and I'm now having to contact everyone again. The letter below dated June 8th 2012 show Mr. Mendiola apologizing for what he had done and I thought that was the end of it. I never wanted to be a part of this! I never asked them to contact us or help us! All I asked was to take their scam somewhere else and leave us alone. If you read the letter below Mr. Mendiola even states "When Mr. McCombs replied back saying he didnt need our services" he took it personal. I have never heard of a company that lashes out on customers like MSI does. Customer service is all about helping, fixing , and making the customer happy. Not hate, lies, and hurting people. The worst part of this all is that he's the owner of this company and I belive there is no hope for him. Makes you wonder if this letter was just another lie he came up with. Trust him or not people can make their own decisions.

Please see letter below

From: Ricardo Mendiola-MSI Credit Solutions [mailto:rmendiola@msicredit.com]
Sent: Thursday, June 28, 2012 4:35 PM
To: info@nacso.org
Subject: RE: New Contact by McCombs

Please notify Mr. and Mrs. McCombs that I apologize for my actions. When Mr. McCombs replied back saying he didnt need our services because we were a scam I took it personal. I reacted and let my emotions get the best of me.  It is very irritating that people judge you or your company by a couple of negative post that they read online. We have never scammed anybody and we never will. I sincerely apologize to the McCombs family and hope they find it in their hearts to forgive me. 

Respectfully, 
Ricardo Mendiola

If I read these posts correctly, the loan company to which you applied, Original Poster, was not able to qualify you and automatically and without your consent asked a credit counseling company to contact you, not OK on either of their parts as it hints at some agreement between them, I would be uncomfortable also. So you are not interested in their services.

So this situation should have ended then. It is no longer a business or legal dispute, just two parties who each wish to have the last word and are locked in a perpetual cycle of harsh email replies. Please keep in mind, both of you, that it is easy to be harsh by email. 

OP, please forgive this credit repair fellow for contacting you without your consent, it seems like he came on strong and should have stopped replying at your first negative signal. Credit counseling fellow, please forgive OP for reacting so strongly, to an outside observer it seems that OP's reaction was out of the ordinary, most people would just say "No thanks, not interested." Let me say it for him then, and we can all consider this matter closed.

Anybody that reads these silly post will not take anything you say seriously. As a matter of fact we had our best month ever last month. Nothing that you do can hurt us.

Keep wasting your time I find it amusing. I cant beleive that you let other people control your life. Are you that butt hurt that I refused services to you?? Well guess what? YOU STILL CANT BE A CLIENT OF OURS!  

For anybody that is curious on how we take care of our clients here is a recent testimonial.

Thanks to ___  and my consultant ___ , my family was able to purchase our dream home this year. I went from a 630 score to a 714 in less than 90 days due to the hard work of the___ processing team, and ____ very detailed steps for me to follow to fix my credit situation. ___ even went the extra mile to work with my loan officer and mortgage company to provide them with necessary document to close my home loan.

I cant say enough about the professionalism, and attention to detail ___ gave to my case. I would give anyone who has bumps and bruises on their credit score the ___ referral. Thanks ___!!!!

Regards,

I ended up having to block this man and his company from ever contacting us again. There were a lot more emails but the ones he posted were from my wife. But as you can se even after blocking him he is still having major issues. In every email as you can see we asked him to quit sending us any more emails and then had to file against his company. The worst part of it all is he brings GOD into it like this will make it all better. I have a lot more emails that he had sent me and at the time I posted this, the comments from my wife hadn't been made yet. This was 18 emails later and she (us) had enough. We have the right to make our own choices, all I ask is please be careful and read not just mine but everyone comments about this compay and all the money they (customers) have lost.

Hello everyone,

I just wanted to let you guys know that Mr. Charles McCombs is nuts and does not know what he is talking about. First of all we contacted him because he was referred to us. When we reached out to him he went psyco. I dont know who has hurt this guy before but he needs to forgive them and understand that not everybody in this world is out to get him. This guy should have no right to complain, he is not even a client! For Mr. McCombs to talk about us ripping off people is complete fraud.

I have refused service to this individual because of the way he has conducted himself. People like this will become more of a headache and we refuse to deal with them. We have been in business for 6 years and that should say a lot. I beleive anybody can start a business but it takes integrity and character to keep the doors open.

Look below at the way Charles McCombs handles himself and tell me if you think he is a credible source? I have made a report to Ripoff Report about Charles McCombs and if continues with this nonsense I will sue him for defamation of character.

From: Mccombs321 [mailto:mccombs321@aol.com]

Sent: Wednesday, June 13, 2012 11:12 AM

To: rmend

Subject: Re: Thank you for Inquiring

Why do you keep saying " I can't be a part of you business or you refuse to serve me"? I have stated from the beginning your a scam....Oh wait, I get it, your butt hurt aren't you? Awwww did you realize you're nothing? You're a nobody? Did the kids in school pick on the little gay boy? Boo h*o cry me a river. You really are pathic and apparently this is your way of compensating for your short comings? Have you really convinced yourself you are somebody? You're obsolete, you don't count for nothing. If you dissapeard tomorrow life would still go on and no one would remember you as a good person. No one cares because you're just blah and your words follow as such blah blah blah. Reality check 5 years is still a new company and you still have'nt learned anything yet. 

From: Mccombs321 [mailto:mccombs321@aol.com]

Sent: Wednesday, June 13, 2012 10:23 AM

To: rmend

Subject: Re: Thank you for Inquiring

No s**t SHERLOCK...... you are more stupid then you look. People do read it that's how I found out about you and your company. You are in for a shock. Again NOT the only web site! There is also the Attorney General's office whom I am sending all these emails too. Why do you thing I keep responding and telling you to stop. Evidence buddy Duh. The more you send me the more I have.

Happy reading oh and GOD bless the Hippocrates and con artists : )