- Report: #1320395
Complaint Review: Erica Garvin (2nd Chance Crédit Today) - Internet
Reported By:
BK -
Atlanta , Georgia, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Erica Garvin (2nd Chance Crédit Today)
Internet, USA
Phone:
404-682-0764
Web:
www.creditstudios.com
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Dr. Non professional, Scam, liar, non licensed, Atlanta GA
I was referred to Erica Garvin as a person who could assist me with credit repair and restoration back in December of 2015. She started in January once she'd received the first payment. After paying her installments she refused to answer emails and/or text messages. After sending her email after email and then having to resort to texting her all hours of the day as a result of her not responding...she sends me a message stating that I need to stop texting her all hours of the night. But, had she responded during the day and regular business hours..I would not have had to do that. She then gave me the work number which I'd called day after day but, no one ever answered. Because I didn't want to compromise the relationship with the person who introduced us....I refraimed from expressing my distaste and dissatisfaction for her lack of returning calls and emails and also the fact that she had been talking to him telling him all of my business. Instead I held my peace. So, yes....as opposed to her taking the time to return my calls and emails....she'd call him on the phone and tell him everything and then tell me to talk to him. How in the world did I pay you my money and you tell me to talk to my friend about what I paid you to do? Once I no longer could endure it anymore I'd sent her an email expressing my dislike for the lack of professionalism, but as opposed to taking responsibility and making the situation right.....she cussed me out practically, called me names and threatened to sick her lawyer on me. I couldn't believe it. But, even prior to the above so let me back track for a moment..... I'd been trying to connect with her because there was an issue with my log in on the Equifax site and I needed her help. As opposed to emailing back and forth as emails are hollow I almost begged her to call me so that it could be fixed but, yet again to no avail. So that meant..that she had not been in my file for months because the log in was messed up. She told my friend that as well but, couldn't pick up the phone to get it straightened out with me. So, she'd done nothing past the initial inquiries that she'd made. Nothing! Yet, she was paid in full! She then said to me....well since we don't get along I'm going to hurry up and get this done so that we can part ways....still unable and unwilling to admit any fault. Smh! She'd then decided to return a portion of my money after she decided that she no longer wanted to deal with me mind you after...she messed up, lied, told my business, didn't return emails or text messages and cussed me out. Now, normally I would've given her a piece of my mind way before that and I of course expressed my dislike for what she'd done but, I relented after considering the fact that she'd aleady started the process and was paid in full. I basically humbled myself because I didn't want to go through it again and have to pay someone else but, even after we had agreed to move on.....she never called nor had she been in the file. Once I'd sent her a cease and desist all work....and to issue me the remainder in a refund she stated that she wanted my log in to see the status of a dispute. I of course was not going to give her the log in at that point but, did email her the proof that the dispute in question had not been settled and awaited a response for my partial refund. She removed me from her email correspondence and never responded again after promising my return. I now have to contact the FTC, the BBB, small claims court and report her to the AG office of which I'm going to do starting today. I sent her another email in an attempt to get my refund within 5 days and although she responded finally as a result but, is still in denial, being unprofessional and disrespectful....she has yet to get me my refund. She stated that her attorney was going to call me on Monday thinking that I'd somehow be afraid of that but, I welcome the call that was never made by him or her. She is unprofessional, a liar, a thief, and I found out that she has no license to do what she is doing perhaps thats why she behaves so purely I don't know. But, needless to say....I also no longer have that friend whom I've known since the day he was born which was what I tried to avoid having to happen. I lost the so called friend because he decided to take her side as he is now in real estate and will be using her to help people with bad credit get credit to purchase a home via the back door method as she has no license. Smh! Today was the deadline to get me my refund. So, as you can see.....I was still trying to work with her by affording her the opportunity to make it right but, she is too stupid to see that but, what criminal does?
1 Updates & Rebuttals
credit
Atlanta,Georgia,
USA
False Allegations
#2REBUTTAL Owner of company
Thu, November 10, 2016
The client above has made false allegations against the company. She signed a contract stating she agreed that a credit monitoring service was required in order to obtain the results. She failed to uphold this in order to complete the process which only left her with three remaining collection accounts after removing several from the reports. Credit scores are determined on numerous of things including credit utilization. In efforts to assist the client the communication was poor due to lack of communication. We attempted to resolve it with her however she became very irrate by sending threating emails and not answering the phone. Out of hundreds of customers we only have one report which states we have not had any other issues with assisting our customers. Due to our level of service with obtaining the results based on FCRA law we will have helped many accomplish their goals. We have proof of our results and many clients to attest that we're totally different from what has been said about our company.
