Complaint Review: RCA CREDIT SERVICES - PINELLAS PARKS Florida

This person never worked for my company and a police report was filed against him for using my company name and taking money from people. From my research on this guy, I found out that he uses good reputable company names like mine and USA Financial and several others and gets clients to mail him a check in his personal name to pay for fictitious credit or debt services. NOTE: Please do not EVER mail a check to an individual person, when you are doing business with a company. Also send the payment to the company's corporation to avoid cons like James Hicks. Best regards, Rick Crosby

This person never worked for my company and a police report was filed against him for using my company name and taking money from people. From my research on this guy, I found out that he uses good reputable company names like mine and USA Financial and several others and gets clients to mail him a check in his personal name to pay for fictitious credit or debt services. NOTE: Please do not EVER mail a check to an individual person, when you are doing business with a company. Also send the payment to the company's corporation to avoid cons like James Hicks. Best regards, Rick Crosby

This person never worked for my company and a police report was filed against him for using my company name and taking money from people. From my research on this guy, I found out that he uses good reputable company names like mine and USA Financial and several others and gets clients to mail him a check in his personal name to pay for fictitious credit or debt services. NOTE: Please do not EVER mail a check to an individual person, when you are doing business with a company. Also send the payment to the company's corporation to avoid cons like James Hicks. Best regards, Rick Crosby

This person never worked for my company and a police report was filed against him for using my company name and taking money from people. From my research on this guy, I found out that he uses good reputable company names like mine and USA Financial and several others and gets clients to mail him a check in his personal name to pay for fictitious credit or debt services. NOTE: Please do not EVER mail a check to an individual person, when you are doing business with a company. Also send the payment to the company's corporation to avoid cons like James Hicks. Best regards, Rick Crosby

(BEWARE) To anyone thinking of doing business with RCA Credit. This is my opinion based from what happened to me. I paid RCA from my bank account by debit card. The statement shows the money went to RCA. (BEWARE) 1. Check with a relative or friend to see if they will add you to their card as an authorized user. Make sure they understand you don't even want the card. You just need some help improving or establishing credit. You will not be using the card. If the credit card company must send a card tell them to send it to their house not yours and tell them to shred it when it gets there. I tried this. It worked. 2. If it doesn't when RCA sends you the contract speak with an attorney first to review the contract. Several attorneys told me that the way the contract read basically once you signed it and give your money you are screwed. Plus it didn't help matters being out of state! 3. If you do give them money, make sure to use a credit card Not a debit card, check, pay-pal or wire. Check with your credit card company and find out the maximum time you have to dispute a charge if RCA doesn't deliver. In my opinion under no circumstances should you let anyone from RCA persuade you to give them more time past the deadline to get your credit card company involved. Believe me you will need a lot of help getting your money back!!! Do yourself a favor and talk with an attorney before dealing with these people.

I never used paypal or wired James any money outside of the company. I used my debit card to pay for this transaction and my bank statement clearly shows that I paid RCA. Not only was I told by James Hicks he was the president of the company but I was also told by Miranda that James did work there but he had me sign the wrong contracts. The thing is when I got the supposely new contracts the only thing that was different was they added the phrase all sales are final. This was all done by Miranda not Rick Crosby. I have never spoken to Rick Crosby. Bottom line I paid RCA for a service and I never received what I paid for. It would be real simple for Mr. Crosby himself to ask me to provide proof of payment again and a copy of my original contract AGAIN and if they didn't deliver what I paid for to simply give my money back.

I never used paypal or wired James any money outside of the company. I used my debit card to pay for this transaction and my bank statement clearly shows that I paid RCA. Not only was I told by James Hicks he was the president of the company but I was also told by Miranda that James did work there but he had me sign the wrong contracts. The thing is when I got the supposely new contracts the only thing that was different was they added the phrase all sales are final. This was all done by Miranda not Rick Crosby. I have never spoken to Rick Crosby. Bottom line I paid RCA for a service and I never received what I paid for. It would be real simple for Mr. Crosby himself to ask me to provide proof of payment again and a copy of my original contract AGAIN and if they didn't deliver what I paid for to simply give my money back.

I never used paypal or wired James any money outside of the company. I used my debit card to pay for this transaction and my bank statement clearly shows that I paid RCA. Not only was I told by James Hicks he was the president of the company but I was also told by Miranda that James did work there but he had me sign the wrong contracts. The thing is when I got the supposely new contracts the only thing that was different was they added the phrase all sales are final. This was all done by Miranda not Rick Crosby. I have never spoken to Rick Crosby. Bottom line I paid RCA for a service and I never received what I paid for. It would be real simple for Mr. Crosby himself to ask me to provide proof of payment again and a copy of my original contract AGAIN and if they didn't deliver what I paid for to simply give my money back.

I never used paypal or wired James any money outside of the company. I used my debit card to pay for this transaction and my bank statement clearly shows that I paid RCA. Not only was I told by James Hicks he was the president of the company but I was also told by Miranda that James did work there but he had me sign the wrong contracts. The thing is when I got the supposely new contracts the only thing that was different was they added the phrase all sales are final. This was all done by Miranda not Rick Crosby. I have never spoken to Rick Crosby. Bottom line I paid RCA for a service and I never received what I paid for. It would be real simple for Mr. Crosby himself to ask me to provide proof of payment again and a copy of my original contract AGAIN and if they didn't deliver what I paid for to simply give my money back.

No its not illegal if u investigate furher. Its call AU Letting someone with a seasoned trade line giving this line. Its just like applying for a credit card but that person has done all the all the hard work to maintain the credit line . And it takes about 30 to 90 days which is overnight compared to the 7 years for a bad trade line to be removed . PS where is Chris ??

In this claim, Chris states the following: "I paid James Hicks president of RCA credit services" Anyone can look up RCA Credit Services and see that Rick Crosby is the owner and president. James Hicks was never employed by RCA and criminal charges have been pressed against James Hicks for theft and fraud. Chris paid James Hicks for services outside of RCA and RCA had no knowledge of any such transaction. In all efforts to clear my good reputation as a professional business man who has been in the business of coaching clients who have bad credit problems, I contacted Chris and took him that I would report his lines for free, because James Hicks ripped off many of my clients. A word of advice to all consumers out there, NEVER send money via paypal or wire to a rep who claims to work for a company. Always write a check in the companies name or things like this may happen. I hope all who reads this rebuttal understand that I was the real victim here and I always do take care of my customers - ALWAYS! Sincerely, Rick Crosby Owner and President RCAcredit

The original poster was trying to illegally add 'seasoned credit' to his credit file because he has bad credit. To the original poster... THIS IS HIGHLY ILLEGAL. There are other people on this site that said they have done that with special software. But, if you get caught, and that is going to happen, you will GO TO JAIL. This is a FEDERAL OFFENSE. Am I getting throught to you? Yes, you have been scammed, you will never see your money again. You will never find this guy either, cause he rips people off for a living, preying on desparate people like you that need to improve their credit. Rick is right, you need to fix your credit the old fashioned way. PAY YOUR BILLS!

The original poster was trying to illegally add 'seasoned credit' to his credit file because he has bad credit. To the original poster... THIS IS HIGHLY ILLEGAL. There are other people on this site that said they have done that with special software. But, if you get caught, and that is going to happen, you will GO TO JAIL. This is a FEDERAL OFFENSE. Am I getting throught to you? Yes, you have been scammed, you will never see your money again. You will never find this guy either, cause he rips people off for a living, preying on desparate people like you that need to improve their credit. Rick is right, you need to fix your credit the old fashioned way. PAY YOUR BILLS!

I understand how a "credit fix" may be appealing to many people. However, notwithstanding those who work to advise others how to IMPROVE their credit rating, "fixing" ones credit is a LONG process which involves "reprogramming" in order to erase past bad habits regarding spending and bill-paying, and much BELT-TIGHTENING until things are better. Also, continuing this newly learned behavior is a must! NO ONE can make a sub-prime credit rating change virtually overnight into one that is 765+. HARD work and TIME (seven years) can change your rating - not too much else will have the same effect. Don't get me wrong, I have much empathy for those who find themselves in such a situation, but to be so despirate to send someone $1000 in order to repair ones credit reflects just why they had gotten in that place to begin with. EDUCATION regarding building (and keeping) good credit should be a required subject in all our high schools. Otherwise, they WILL be SCAMMED! Rick Harrisburg, PA