We can all appreciate being forewarned about potential scam companies by this website. However, a person using this site to simply vent their anger and frustration because they didn't get their way is unacceptable. EZUnsecured.com does not steal money from anyone and is certainly not a scam. We have many satisfied clients, and as any business, a few clients that are impossible to please. We have done our best to try to work with all of the people that have posted negative comments about our company here. When we have come to them with potential settlement agreements, many of them have stated that they don't even care about the money, they just want to make us pay. Pay for what? The only reason these clients are upset is because they used our service and tried to get out of paying us! That is specifically why we collect a Professional Services Deposit upfront, so that we can be assured that we will be paid somehow in the end.
To inform readers about how our company works, let me give you a basic overview. EZUnsecured.com is not a broker, or a lender, we are Professional Consultants. When a client comes to us in need of a business loan, we analyze every aspect of their individual situation. We pull both their business and personal credit, create a master file and do an expert review and inform them of anything that needs to be corrected that could potentially cause them to be denied by a lender. We coach them through the process of clearing up credit issues. WE CANNOT contact their creditors for them because they will not speak to anyone but the client. (This is another complaint we get - why do I have to do it) We give our clients all of the information they need to dispute and clear up their credit report and offer many hours of time to help each of them through this part of the process. So let's say at this point the client decides to cancel, and they have the right to do that as stated in the contract. If we did not collect a deposit when the client signed up with us, we just did all of that work for free! Does that make any sense? Of course not! ANY business is in business to make money, not to work for free. So now at this point of course the client demands a refund because they say we didn't do anything for them. Well we just spent many hours of time coaching them through the credit repair process! When we inform them that we are not going to give them a full refund, or that we will only issue a partial refund, we end up getting smeared across usacomplaints.com!
But let's say they go through the credit repair process, and continue through to the submission process. This is the part of the process where we actually submit the client to the lenders. We spend the time filling out the application and speaking to the bank on their behalf. This is not just one call; this is talking to many different lenders to pinpoint the right bank and the right product for each client's individual situation. This, again, takes a lot of time and effort from our staff. We usually have to apply for the loans or lines of credit in increments. As we all know, the banks are very careful these days about how much and who they lend to. For that reason, most banks will not give a No Doc loan or line of credit for more than 100K at a time. So now we have spent the time and submitted the client to 3 banks for 100K each. All of the sudden, they think they can get the money on their own because EZUnsecured.com has given them all the information they need, so they want to cancel. Again, they can cancel at any time, but as our contract states, they must follow through with any submissions done prior to their cancellation. Why? Because we have invested a lot of time and effort to get them to this part of the process. Should we do all of this for free and refund all of their money? I don't think anyone can honestly think we should do that. Or even better, the client lies to us and tells us that they were denied for the loan. We require that the client send us a copy of their decision letter within 30 days of their submission. If they do not send it to us, we pull their credit to verify whether or not they were approved. If they have lied to us and we find that they actually did receive the loan or line of credit, we charge their credit card. ALL of our clients submit a credit card authorization form upon signing up with us. The CCA clearly states that by signing the form they authorize us to withdraw funds as they become due! The problem is that people DO NOT read the contract. When we inform them of the stipulations in the contract, they claim that they didn't know that or that they don't care what the contract says. There is nothing unreasonable about our contract and everything is disclosed in writing. We provide the contract so that the client is well informed about every aspect of our services. They sign the contract with us, acknowledging that they have read and understand it, and then they get upset when we adhere to it.
Now let's say that the client goes through the entire process and gets all of the funding they wanted. Now it is time for them to pay us for our services, and all of the sudden the client has fallen off the face of the earth. We have sent them invoices, we have tried calling, we have even tried to email them several times. At this point we have two choices, we can either try to collect the fees from the credit card that they have authorized us to charge, or we can send them to collections. We try to avoid sending anyone to collections if at all possible for obvious reasons. So the best thing we can do is charge the credit card that they have voluntarily given us and authorized us to charge as the fees become due. Of course when they see that we have charged their card, they are upset. But really, they have tried to scam us! Again, we don't steal anyone's money. We are simply collecting the fees that we are entitled to.
I would also like to point out the fact that 3 of the posters on here called us and threatened to post negatively about us on this website if we did not comply with their request for a refund. The homepage of this site clearly states that you cannot do that. This seems like a pattern for these people as far as not reading and following the rules:
YOU MUST NOT call them threatening to file a report if they do not comply with your demands, as this may be construed as blackmail! You must first file a complaint, then fax them a copy, offering them a chance to rectify the wrong that they did to you.
I personally find it very disrespectful that the people who have posted here have included the full names of people that work at our company. We are not trying to hide anything; it is simply a privacy issue. Why is it that they can freely post our full names, but don't have to post their full names? Only putting our first names would have been sufficient.
If you are reading these negative posts about EZUnsecured.com, please keep in mind that there are always two sides to every story.
Karla
EZUnsecured.com
I have also included some of our client testimonials below.
A few client successes & recommendations
Client Name: Ryan M. Business Name: Dash Interactive Inc Location: San Antonio, TX
Client Comments: I had been running my business part-time for 6 years while I worked grueling hours for other companies. My business was doing great! However, working the hours I was working for other companies, I was not able to do what I wanted to do and I was getting more frustrated everyday that I couldn't take my own business to the next level. This is when I began looking at my options. I could either (a) continue on my current path and hope to be able to grow my business even faster (b) jump right in with my existing client base and hope for the best, or (c) look at funding options.
After long thought and a great amount of research, I had settled on option C. I began to look around at different funding options, with the majority telling me they could get me up to $100,000. That just wasn't enough for what I wanted to do. As the weeks went by, I was beginning to believe that option C was not going to be a viable option for me. Then I came across EZUnsecured.com and the information on their website seemed way too good to be true but I figured the worst that would happen was that I would be told $100,000 again. The same day I submitted my information and requirements to them, I received a call from EZUnsecured.com. They explained to me that they believed they could get me up to $175,000 and I was absolutely thrilled! I could finally do what I wanted with my business.
In less than 1 week, I had confirmation of almost $150,000. More than all of the other companies had promised they could get TOTAL.in the next 2 weeks EZUnsecured.com was able to get me another $75,000 and asked me if I wanted to keep going. I was astonished! Not wanting to take too much money out, I told them to go ahead and stop. They had already raised me $50,000 more than they initially thought. The process was quick, simple, and my hand was held the entire way since I was new to this entire thing. I finally had the money I needed. The day after I had all of our money, I put in my 2 week notice and hired my first employee. For the next year we worked day and night out of my home. We gained several large corporate clients such as the 3 car dealerships in San Antonio owned by Tom Benson (owner of the Saints), Jeep, Target, MTV, Clear Channel Outdoors, and a museum exhibit company where we built several interactive museum exhibit pieces which travel the world. We also built one of the top open source secure file management software applications, FileTrack (www.filetrack.com), and had several hundred clients sign up and pay the $99/yr license fee.in fact, we had an enormous amount of clients who were hiring us to do major customizations of the software for them. This amounted to huge amounts of work.
One case study of the success of our business because of the help of EZUnsecured.com is that we were approached by one of the users of the FileTrack software, MyMedLab.com. MyMedLab began as a regional lab provider in Missouri in 1993. The company was created to allow consumers to make informed health care choices for themselves and their families.in their founder, David Clymer, set out to use partnerships with industry leading providers and the power of the Internet to take MyMedLab nationwide.
They asked us if we could give them a bid on developing a new website and developing a proprietary web software package to run their business on, so we did just that and ended up winning the contract. We hired more programmers to work strictly on this project and for the next year spent tens of thousands of hours programming and designing this proprietary application for them. Our business was thriving with projects like these. This project alone was a $400,000 contract. Fast forward to today.
MyMedLab is a leading online lab testing and free PHR (Personal Health Record) provider. With the help of our work, they have been featured several places including: Prevention Magazine, The Wall Street Journal, Smart Money Magazine, and is featured in the May Edition of Readers Digest. MyMedLab also has been notified of a probable mention by Dr. Oz on the Oprah Show. We are currently working with MyMedLab to continue to help them lead the consumer driven health revolution, including integration into the new Google and Microsoft Personal Health Records whose user bases are enormous. Beyond MyMedLab, we are becoming one of the most sought after design, development, and marketing agencies in San Antonio, TX. We have 3 patent pending products we will be launching this year, one of which will be receiving several million dollars in venture capital investments by several large corporations. We also have been chosen as the e-commerce integration team for an up and coming credit card company and merchant gateway. With the help of our success, we have also started a new corporation specializing in network security. This company is currently negotiating on several large government security contracts. Currently we are a team of 12 individuals and hope to be a team of 25 in the next six months. We have tremendously outgrown our 1200sqft downtown office and just signed a lease on an entire floor inside a building in the middle of downtown San Antonio. Thanks to the knowledge and help of the Team at EZUnsecured.com, my business has grown tremendously and will continue to grow every day. If they were able to help my business when they were small, I can only imagine how they can help yours today.
(No Doc, $225,000 Funded)
Client Name: P Keeney Business Name: Paul Keeney, PA Location: Lake Worth, FL
Client Comments: I began working with EZUnsecured to assist me in obtaining some lines of credit for my Business. When I first applied they gave me some recommendations to improve my credit scores. After following their lead I was able to increase my credit scores by almost 80 points. The result was my ability to obtain $100,000 in Approvals that greatly helped me improve my Business. Thank you! (No Doc, $100,000 Funded)
Client Name: Carrie M. Business Name: Blonde Ambition Inc Location: Watkinsville, GA
Client Comments: I wanted to thank you so much for all your help in assisting me with finding loans for my Business. It has been so helpful during this slow period and provided me with working capital I needed to continue to grow my Business. You have been patient, easy to work with, and I will refer you to any of my contacts in need of this type of help. Thanks again! (No Doc, $90,000 Funded)
Client Name: Eduardo G. Business Name: Beautiful Baskets Wholesale Corp Location: Miami, FL
Client Comments: Working with EZUnsecured was a great experience. Within days of applying with them I received approvals from their sources. EZUnsecured worked quickly and efficiently and spent the time necessary to review my file with me and prepare me for the process they took me through to obtain approvals. They definitely know how to prepare you to get unsecured lines of credit and have a thorough knowledge of the credit industry. Within a couple of weeks of first applying I had the monies I needed in my Account so I could quickly meet the needs of my growing Business. I saved a lot of time in using EZUnsecured rather than trying to do something on my own. I recommend EZUnsecured to anyone looking to obtain an unsecured line of credit. (No Doc, $97,000 Funded)
Client Name: Samuel A. Business Name: DBB Enterprises Location: Miami, FL
Client Comments: I went to EZUnsecured to obtain some lines of credit for my Business and the process was convenient and successful. The Underwriting Department was easy to work with and worked hard to get me the lines of credit I needed. I would recommend EZUnsecured to business owners looking for lines of credit. (No Doc, $90,000 Funded)
Client Name: Brian H. Business Name: BH1 Enterprises Location: Nashville, TN
Client Comments: EZUnsecured has been a great help in giving me the opportunity to obtain credit easily and painlessly. Their Team was most helpful. They exposed me to many potential creditors and were able to expedite the financing process while allowing me to have a minimum level of involvement. I strongly recommend EZUnsecured. (No Doc, $81,700 Funded)
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