Complaint Review: Phoenix BBB Extortion - Caught In Audio Tape LIE!

Here is the first lie I am going to expose about the BBB especially Phoenix. Michelle Blair Advertising & Ethics Review Coordinator, MBlair@phoenix.bbb.org says that the BBB takes complaints of Employee VS Employer. Well according to the BBB handbook below they are not saupposed to take them.

This is the first item on the list:

Complaints the BBB Doesn't Handle The BBB does not handle complaints about the following:

Employer/employee disputes.

Audio clip here (((coming soon)))

Click above to listen to audio of Michelle Blair caught in her LIE!

Second is the BBB's D&B report stating earning's very low infact I was amazed.

Comprehensive Report : BETTER BUSINESS BUREAU INC

2003 Dun & Bradstreet, Inc. All Rights Reserved.
Refer comments or questions to Customer Service. Want the most up-to-date information ? Upgrade to Auto-Refresh and keep this report current for a year. Want to receive the details behind this company's credit file changes? Register for D&B's Monitoring Service.

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D&B's Credit Limit Recommendation
How much credit should you extend to this business?

Payment Trends Profile
Enhanced payment trends and industry benchmarks for this business.
Business Summary

BETTER BUSINESS BUREAU INC DUNS: 02-013-0001
+BBB/PHOENIX FINANCIAL STRESS CLASS: 1
CREDIT SCORE CLASS: 1
4428 N 12TH ST
PHOENIX AZ 85014 KEY
TEL: 602 264-1721 =============================
LOWEST RISK HIGHEST RISK
1 2 3 4 5
SIC: 86 11
LINE OF BUSINESS: BUSINESS ASSOCIATION
YEAR STARTED: 1938
CONTROL DATE: 1938 DATE PRINTED: JUN 19 2004

CHIEF EXECUTIVE: ELEINE HUGUNIN, PRES-CEO

===============================================================================Executive Summary
- The Financial Stress Class of 1 for this company shows that during the
previous year, firms with this classification had a failure rate of
.49% (49 per 10,000), which is lower than the national average.
- The Credit Score Class of 1 for this company shows that during the previous
year, 2.3% of the firms with this classification paid one or more bills
severely delinquent, which is lower than the national average.


=========================================================Credit Capacity Summary
D&B Rating: ER5 Payment Activity
(based on 19 experiences):
Average High Credit: $1,475
# of Employees Highest Credit: $10,000
Total: 33 Total Highest Credits: $26,650

As of 12/31/01 Worth: $273,460
Working Capital: ($412,274)

===============================================================================Financial Stress Summary
The Financial Stress Model predicts the likelihood of a firm ceasing business
without paying all creditors in full, or reorganizing or obtaining relief from
creditors under state/federal law over the next 12 months. Scores were
calculated using a statistically valid model derived from D&B's extensive data
files.


Financial Stress Class: 1
(Highest Risk: 5; Lowest Risk: 1)

Incidence of Financial Stress Among
Companies with this Classification: 0.49% (49 per 10,000)

Incidence of Financial Stress: 1.40% (140 per 10,000)
- National Average

Financial Stress National Percentile: 73
(Highest Risk: 1; Lowest Risk: 100)

Financial Stress Score: 1472
(Highest Risk: 1,001; Lowest Risk: 1,850)

The Financial Stress Class for this company is based on the following factors:

- No record of open suit(s), lien(s), or judgement(s) in the D&B files.
- Financial condition is Unbalanced.
- Control age or date entered in D&B files indicates lower risk.
- 11% of trade experiences indicate slow payment(s) are present.

Notes:

- The Financial Stress Class indicates that this firm shares some of
the same business and financial characteristics of other companies with
this classification. It does not mean the firm will necessarily
experience financial stress.

- The Incidence of Financial Stress shows the percentage of firms in a
given Class that discontinued operations over the past year with loss
to creditors. The Incidence of Financial Stress - National Average
represents the national failure rate and is provided for comparative
purposes.

- The Financial Stress National Percentile reflects the relative
ranking of a company among all scorable companies in D&B's file.

- The Financial Stress Score offers a more precise measure of the level
of risk than the Class and Percentile. It is especially helpful to
customers using a scorecard approach to determining overall business
performance.

- All Financial Stress Class, Percentile, Score and Incidence
statistics are based on 2002.

===============================================================================Financial Stress Norms National
Norms for Companies in the Same ... Percentile

- Region (MOUNTAIN) 42

- Industry: PERSONAL AND CONSUMER SERVICES 54

- Employee Range (20-99) 59

- Years in Business Range (26+) 82

- Subject Company 73

Key Comparisons
The subject company has a Financial Stress Percentile that shows:

- Lower risk than other companies in the same region.
- Lower risk than other companies in the same industry.
- Lower risk than other companies in the same employee size range.
- Higher risk than other companies with a comparable number of years in
business.

===============================================================================Credit Score Summary
The Credit Score Class predicts the likelihood of a firm paying in a severely
delinquent manner (90+ Days Past Terms) over the next twelve months. It was
calculated using statistically valid models and the most recent payment
information in D&B's files.

Credit Score Class: 1

Incidence of Delinquent Payment Among
Companies with this Classification: 2.30%

Percentile: 92

The Credit Score Class for this company is based on the following factors:

- Control age or date entered in D&B files indicates lower risk.
- No record of open suit(s), lien(s) or judgment(s) in the D&B files.
- Business does not own facilities.

Notes:

- The Incidence of Delinquent Payment is the percentage of companies with
this classification that were reported 90 days past due or more by
creditors. The calculation of this value is based on an inquiry weighted
sample.

- The Percentile ranks this firm relative to other businesses. For example,
a firm in the 80th percentile has a lower risk of paying in a severely
delinquent manner than 79% of all scorable companies in D&B's files.

===============================================================================Credit Score Norms National
Norms for Companies in the Same ... Percentile

- Region (MOUNTAIN) 41

- Industry: PERSONAL AND CONSUMER SERVICES 47

- Employee Range (20-99) 60

- Years in Business Range (26+) 70

- Subject Company 92

Key Comparisons
The subject company has a Credit Score Percentile that shows:

- Lower risk than other companies in the same region.
- Lower risk than other companies in the same industry.
- Lower risk than other companies in the same employee size range.
- Lower risk than other companies with a comparable number of years in
business.

===============================================================================Payment Trends
PAYDEX scores below are based on dollar weighted trade in most recent 12 mos.

'02 '02 '03 '03 '03 '03 '03 '03 '03 '03 '04 '04 '04 '04 '04 '04
SEP DEC MAR JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN

FIRM 80 80 80 75 74 74 77 78 78 78 78 78 78 78 78 79

Industry
Quartiles
----------
Upper 80 80 80 80 80 80 80
Median 78 79 79 79 79 79 79
Lower 72 73 74 74 74 74 74

Industry PAYDEX based on: KEY TO PAYDEX SCORES:
SIC: 8611 80 Within terms
821 Firms 79 2 Days Beyond Terms
72 12 Days Beyond Terms

===============================================================================Summary Of Payment Habits
Dollar Range Comparisons:

Suppliers That Number of Total % of Dollars
Extend Credit of... Experiences: Amount Within Terms

# $ %

OVER $100,000 0 0 0
$50,000 - 99,999 0 0 0
$15,000 - 49,999 0 0 0
$ 5,000 - 14,999 3 22,500 100
$ 1,000 - 4,999 2 2,000 75
Under 1,000 13 2,050 95

===============================================================================Payment Analysis By Industry
There are 19 payment experiences in D&B's file for the most recent 12 months,
with 8 experiences reported during the last three month period.

Total Dollar Highest Within Slow Slow Slow Slow
Recd Amount Credit Terms 1-30 31-60 61-90 91+
# $ $ --- % of dollar amount ---

Total in D&B's File 19 26,650 10,000

Industry

Short-trm busn credit 4 11,100 10,000 100 0 0 0 0
Public finance 3 6,250 5,000 100 0 0 0 0
Misc publishing 3 250 100 100 0 0 0 0
Reg misc coml sector 2 100 50 100 0 0 0 0
Misc business credit 1 7,500 7,500 100 0 0 0 0
Whol electronic parts 1 1,000 1,000 50 50 0 0 0
Telephone communictns 1 100 100 100 0 0 0 0
Whol office supplies 1 100 100 0 100 0 0 0
Data processing svcs 1 100 100 100 0 0 0 0
Nonclassified 1 50 50 100 0 0 0 0

OTHER PAYMENT CATEGORIES:
Cash Experiences 0 0
Paying Record Unknown 1 100
Unfavorable Comments 0 0
Placed for Collection
with D&B 0 0
other 0 N/A

Indications of slowness can be the result of disputes over merchandise, skipped
invoices, etc.

===============================================================================Public Filings Summary
The following data includes both open and closed filings found in
D&B's database on the subject company.

Most Recent
Record Type # Filing Date

Bankruptcy Proceedings 0 -
Judgments 0 -
Liens 0 -
Suits 0 -
UCC's 9 12/08/2003

===============================================================================Public Filings Detail
The following data is for information purposes only and is not the
official record. Certified copies can only be obtained from the
official source.

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* * * UCC FILING(S) * * *
---------------------------------------------------------
COLLATERAL: Specified Negotiable instruments including proceeds and products -
Specified Account(s) including proceeds and products - Specified
Communications equipment including proceeds and products -
Specified Equipment including proceeds and products
FILING NO: 753881 DATE FILED: 02/04/1994
TYPE: Amendment LATEST INFO RECEIVED: 08/10/1994
SEC. PARTY: FIRST INTERSTATE BANKOF ARIZONA, ORIG. UCC FILED: 03/04/1993
N.A., PHOENIX, AZ ORIG. FILING NO: 753881
DEBTOR: BETTER BUSINESS BUREAU, INC., FILED WITH: SECRETARY OF STATE
THE AN ARIZONA CORPORATION UCC DIVISION, AZ
---------------------------------------------------------
COLLATERAL: Specified Negotiable instruments including proceeds and products -
Specified Computer equipment including proceeds and products -
Specified Equipment including proceeds and products
FILING NO: 735881 DATE FILED: 03/04/1993
TYPE: Original LATEST INFO RECEIVED: 03/17/1993
SEC. PARTY: FIRST INTERSTATE BANK OF AZ NA, FILED WITH: SECRETARY OF STATE
PHOENIX, AZ UCC DIVISION, AZ
DEBTOR: BETTER BUSINESS BUREAU INC, THE
---------------------------------------------------------
COLLATERAL: All Inventory and proceeds - All Account(s) and proceeds - All
General intangibles(s) and proceeds - All Equipment and proceeds
FILING NO: 200312887480 DATE FILED: 12/08/2003
TYPE: Original LATEST INFO RECEIVED: 01/21/2004
SEC. PARTY: WELLS FARGO BANK ARIZONA, FILED WITH: SECRETARY OF STATE
NATIONAL ASSOCIATION, SAN UCC DIVISION, AZ
ANTONIO, TX
DEBTOR: THE BETTER BUSINESS BUREAU, INC.
---------------------------------------------------------
COLLATERAL: Inventory - Accounts receivable - Equipment
FILING NO: 1092148 DATE FILED: 11/09/1999
TYPE: Original LATEST INFO RECEIVED: 12/30/1999
SEC. PARTY: WELLS FARGO BANK, N.A. BUSINESS FILED WITH: SECRETARY OF STATE
LENDING, SAN JOSE, CA UCC DIVISION, AZ
DEBTOR: THE BETTER BUSINESS BUREAU, INC.
---------------------------------------------------------
FILING NO: 1092148 DATE FILED: 09/19/2000
TYPE: Assignment LATEST INFO RECEIVED: 10/31/2000
SEC. PARTY: WELLS FARGO BANK ARIZONA N A, ORIG. UCC FILED: 11/09/1999
PHOENIX, AZ ORIG. FILING NO: 1092148
WELLS FARGO BANK N A, SAN JOSE, FILED WITH: SECRETARY OF STATE
CA UCC DIVISION, AZ
ASSIGNEE: NO NAME AVAILABLE
DEBTOR: BETTER BUSINESS BUREAU INC
---------------------------------------------------------
COLLATERAL: Leased Assets and proceeds - Leased Computer equipment and proceeds
FILING NO: 1028705 DATE FILED: 08/10/1998
TYPE: Original LATEST INFO RECEIVED: 10/13/1998
SEC. PARTY: FIDELITY LEASING INC., AMBLER, FILED WITH: SECRETARY OF STATE
PA UCC DIVISION, AZ
DEBTOR: BETTER BUSINESS BUREAU, INC
---------------------------------------------------------
COLLATERAL: Specified Vehicles including proceeds and products - Specified
Machinery including proceeds and products - Specified Fixtures
including proceeds and products - Specified Equipment including
proceeds and products
FILING NO: 680252 DATE FILED: 09/24/1991
TYPE: Original LATEST INFO RECEIVED: 10/21/1991
SEC. PARTY: FIRST INTERSTATE BANK NA, FILED WITH: SECRETARY OF STATE
PHOENIX, AZ UCC DIVISION, AZ
DEBTOR: BETTER BUSINESS BUREAU INC, THE
---------------------------------------------------------
COLLATERAL: Leased Communications equipment and proceeds
FILING NO: 1029316 DATE FILED: 08/14/1998
TYPE: Original LATEST INFO RECEIVED: 10/13/1998
SEC. PARTY: INTER-TEL LEASING, INC., HOUSTON FILED WITH: SECRETARY OF STATE
TX UCC DIVISION, AZ
ASSIGNEE: INTER-TEL LEASING, INC., HOUSTON
TX
DEBTOR: BETTER BUSINESS BUREAU, INC.
---------------------------------------------------------
FILING NO: 534331 DATE FILED: 01/27/1994
TYPE: Continuation LATEST INFO RECEIVED: 03/24/1994
SEC. PARTY: FIRST INTERSTATE BANK OF ARIZONA ORIG. UCC FILED: 06/15/1988
N A, PHOENIX, AZ ORIG. FILING NO: 534331
DEBTOR: BBB OF CENTRAL ARIZONA FILED WITH: SECRETARY OF STATE
FOUNDATION UCC DIVISION, AZ
---------------------------------------------------------
The public record items contained in this report may have been paid, terminated, vacated or released prior to the date this report was printed.

=========================================================Business Background
HISTORY

CORPORATE AND BUSINESS REGISTRATIONS REPORTED BY THE SECRETARY
OF STATE OR OTHER OFFICIAL SOURCE AS OF 06/04/2004:

BUSINESS TYPE: CORPORATION - DATE INCORPORATED: 05/17/1938
NON-PROFIT STATE OF INCORP: ARIZONA
------------------------------------------------
04/17/03
ELEINE HUGUNIN, PRES-CEO
DIRECTOR(S): THE OFFICER(S)

Stock ownership not available.
Business started 1938.
Officers, other than president and chief executive officer, are elected annually by the 40 member board of directors, who are in turn elected annually by the membership.ELEINE HUGUNIN. Antecedents are undetermined.

OPERATIONS

04/17/03 Operates as a business association active as better business bureau promoting consumer/business relations, mediation, arbitration and conciliation services (100%).
Terms: Annual membership fees. Has about 2,900 members. Sells to commercial concerns. Territory : Statewide.
Nonseasonal. EMPLOYEES: 33 which includes officer(s). Employee number
includes seven commissioned representatives.
FACILITIES: Rents 7,200 sq. ft. in two story concrete block
building. Building is owned by BBB of Central Arizona Foundation Inc,
an affiliated non-profit organization.
LOCATION: Suburban business section on side street.

OTHER CORPORATE DETAILS
CORPORATE STATUS: ACTIVE/IN GOOD STANDING
CORPORATE AGENT: LIZ A CRAMPTON, % RYLEY CARLOCK & APPLEWHITE;ONE NORTH
CENTRAL AVE #1200, PHOENIX, AZ
STATE ID NO: 00381196

=========================================================Financial Summary
KEY BUSINESS RATIOS

Based on a Financial Statement Dated December 31, 2001

(Industry Norms Based on 16 Establishments)

Profitability Short-Term Efficiency Utilization
% Solvency (%) (%)
Return Return Curr Quick Assets/ Sales/ Total Liabs/
on Sales on Net Ratio Ratio Sales Net working Net Worth
Worth Capital

Firm UN UN 0.1 0.1 UN UN 159.1

Industry 9.3 35.4 3.4 2.0 73.3 2.2 32.6
Median

Industry UN UN 4 4 UN UN 3
Quartile

UN = Unavailable

FINANCIAL INFORMATION

04/17/03 Fiscal statement dated DEC 31 2001:
Cash $ 22,879 Notes Pay $ 435,153
--------------- ---------------
Curr Assets 22,879 Curr Liabs 435,153
Fixt & Equip 685,734 Fund Balance 273,460
--------------- ---------------
Total Assets 708,613 Total 708,613
Statement obtained in outside quarters. Extent of audit, if any,
not indicated.
--0--
Repeated attempts to contact business were unsuccessful.

========================================================
Customer ServiceIf you need any additional information, or have any questions regarding this
report, please call our Customer Service Center at (800) 234-3867 from
anywhere within the U.S. From outside the U.S., please call your local D&B
office.

D&B has not fully revised this report since 04-17-03 and therefore it should not be considered a statement of existing fact. The payment, public filing and other information, when present, may refer to information obtained by D&B after the last full revision date. Such information may not relate to this business due to possible changes in ownership, control or legal status.
=========================================================

Ok, this reports says the BBB is worth about 273 K. And has about 24 k cash. Here is the funny part The phoenix BBB president Elaine Hugunin President / Chief Executive OfficerEHugunin@phoenix.bbb.org is living in a house almost as much is the BBB is worth. Kinda pops up a red flag to me, are they really non profit? How is this possible? Check out the documents below and judge for your self.


1. (((coming soon)))

2. (((coming soon)))

3. (((coming soon)))

4. (((coming soon)))

Also please read documents closely. Seems to me Ms. Elaine Hugunin may be forging documents to hide assets. Make sure you read them good, notice how some she is married and some she is not. Kind of ironic dont you think?

The BBB is a "non profit" organization. Pick up the Phoenix White Pages Phone Book, why is the BBB listed under the government pages? This is true of many cities across the United States. There isn't a court that would adhere to any decision they would make.

There is tons more coming stay posted. This website is the only place to trust, we have contacted media not one of them have the balls to go up against the BBB. But dont worry i will expose it here.

Tom
Cicero, Illinois
U.S.A.

STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!