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  • Report:  #267093

Complaint Review: My Credit Fix Now - Encino California

Reported By:
- Blackwood, New Jersey,
Submitted:
Updated:

My Credit Fix Now
Balboa Encino, 91316 California, U.S.A.
Phone:
800-7856808
Web:
N/A
Tell us has your experience with this business or person been good? What's this?
7.30.2007. After 3 days of considering what Randy Stevens, Michael Torres, and David Gates referred to as Facts I signed the agreement to get 100 EXCLUSIVE LEADS. I was told that these borrower's where looking for a mortgage and that they had done 1 of 2 things which were, they filled out an application online or they called into My Credit Fix Now looking for credit repair or a mortgage.

This was absolutely not even close to any truth AT ALL. The lists of people I was getting were hanging up on me, telling me that they said they dont want a mortgage, they have great credit, never call again etc. etc.. I finally had 1 woman nice enough to stay on the phone with me long enough to explain that she was called and she had no clue how the person who contacted her got her information the night previous. This particular woman explained that she was over 100% LTV yet the application showed 50% (Very misleading, but it was worth $25 to them).

I signed the agreement believing that the purpose of the agreement was to protect them because they wanted 10% of gross profit of every deal closed. This was merely a clever way to manipulate someone to actually sign the agreement and pay the $2,500. On Aug 1, 2007 I started receiving lists of names which My Credit Fix Now refers to as leads.

I knew something was wrong after the first day when I was getting hung up on and cursed at. I called in and was told that once in a while that might happen and that I should at least give it a week to see results. I tried again but within 2 days I decided to call back because of all the absolute rediculous things I kept hearing. I said I want my money back and I do not want anymore leads. They simply said that I signed a contract and I was NOT getting my money back and that they were only going to continue to send me these lists of random names whether I liked it or not until their end of the contract was up.

This company sends lists of names and expects Mortgage Broker's like mine to go through all the names and send them the people who need credit repair. This company basically took my money and wanted me to scrub their lists of random people. What a business they have going?

Thomas

Blackwood, New Jersey

U.S.A.


4 Updates & Rebuttals

Jill K

Fullerton,
California,
U.S.A.
Thank you for your post Thomas!

#2Consumer Comment

Tue, November 27, 2007

I was just about to do business with these guys. I talked with one of their reps this morning for a good half an hour and he was terrific. I didn't think I'd find anything here but boy am I ever glad I checked! I just emailed him right now with the link to this page so he would understand why I had to change my mind. THANK YOU AND GOOD LUCK. I hope you get your money back soon!


Thomas

Blackwood,
New Jersey,
U.S.A.
UPDATE- Class action lawsuit to be filed!!!

#3Author of original report

Tue, November 20, 2007

I have received a response from my credit card company stating that the company has refused to credit me. I at this time will be filing a lawsuit against the company and I am also advertising a chance to be involved in a class action lawsuit against Money tree funding and credit fix now. This company has broken laws of RESPA, Local NJ Laws, and intentionally committing multiple types of fraud. As you can see in a previous post a previous emplyee has also admitted to these unethical and unfair practices. Please email me at (((ROR REDACTED)))more information. Thanks, CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.


Thomas

Blackwood,
New Jersey,
U.S.A.
In my defense

#4Author of original report

Mon, August 27, 2007

I respect the fact that Randy Stevens allegedly resigned from My Credit Fix Now but I wish it would have happened prior to me being unethically taken advantage of by Randy, Michael and David. In my defense I attempted all avenues and made an attempt to contact Randy to no avail. I was told that Michael Torres was who handled my account and he would be my contact for the company. I do not respect the fact that Randy came back and stated that he undoubtedly knew that My Credit Fix Now was being unethical in their practices yet questions my ability to generate business from ANY lead source. I have been in the business a long time and from the 1st year in the business have been at the TOP of all sales forces. In addition, I was also an excellent sales manager for a large mortgage company. I am not here to bash anyone or have to defend myself, I am simply here to make an attempt to retrieve the $2,500 that was stolen from me.


Randy

Culver City,
California,
U.S.A.
I did only what I was told!

#5UPDATE EX-employee responds

Sun, August 26, 2007

It is unfortunate that the individual here has become so irate that he has slandered my name without ever trying to use me as a way of resolving any issues he may have had with "Credit Fix Now". My name is Randy Stevens and I am the individual that he originally spoke to in regards to the clients that he would be receiving that wanted a loan. I was given a script to read from and told that everything that I was selling him was true. I was told that the 10% of the Gross Revenue earned from the loans that our clients would generate was legal as well and would not be an issue with RESPA. I had my own suspicions as well to the integrity and ethical practices of this company as time went by and finally decided to resign. It is unfortunate that things didn't work out in this particular clients favor, because it has for many other clients that actually continue to re-order. I believe that the market isn't really favorable for Mortgages right now and that many of the brokers out there will have to gamble with lead companies in order to save there business. Yes I said lead companies and that is exactly what Credit Fix Now is. I finally put it all together when I did my own investigative work and found that most of what David Gates is claiming is questionable. I myself made the decision to resign because I couldn't handle the fact that some clients were not getting what others were and felt that all clients should get the same results from the product being sold. I just wished that the unhappy client here would have addressed me, as I asked him to, if he had any challenges and I would have done my best to fight for him as I have always done for my clients in any industry I have been in. But instead, he decided to include me in his slandering remarks to damage my reputation and those of others without trying to exhaust all avenues. It could be that he became so impatient with just a few calls that his rudeness carried over into other dealings and he just couldn't close anyone with the attitude he had. Some people just don't belong in the business, particularly when it comes to selling over the phone. I wonder if he ever did a self-analysis on hisself in regards to this. Regardless, yes "Credit Fix Now" is a questionalble company as well as this client's selling ability. However, the real issue is what both wanted to accomplish in regards to greed, may just be a RESPA issue to warrant both being investigated. Sincerely, Randy Stevens Former Employee of Credit Fix Now

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