Found this company while looking for small business funding for my start up company. Called them and spoke to a few different people regarding funding, then was assigned to a "credit specialist" named Pamela Diaz. This person told me that their company helps hundreds of small businesses get funding based on personal credit scores with no up front fees. I was in a tight spot so I decided to give it a try.
After filling out the application and getting everything in, I was immediately charged $875. They said my credit score (which was over 700) did not meet the minimum requirements for no cost application processing. This was never stated to me, no info regarding this was ever disclosed.
They then submitted 5 applications to different "lenders". Three of these were online credit card applications that anyone can fill out themselves. The other two were to SBA programs that I already knew about. All 5 applications have my address spelled incorrectly, my birth date wrong, and a misc. Phone number and email address on them that were incorrect. So all of them were rejected, and my credit score then dropped substantially due to inquiries.
Then then proceeded to charge me $3000 for this. They stated that one of the apps came up approved for a loan, and that this was their fee. They then stopped answering the phone, permanently. No return calls, just one liner email responses equating to "tough luck". Through the emails they would tell me provide documentation that you did not receive the loans and we will refund the money. I did this, and now they say they never received the documentation.
This has been going on for three months now. Lucky for me, and ALL WHO HAVE BEEN RIPPED OFF BY THESES GUYS NEED TO READ THIS, by telling me they would refund my money, even in an email (get them to do this so you have proof) Wells Fargo and Visa refunded all of the money back to me and are dealing with them. This is not the first case of fraud for these guys. YOU ARE NOT ALONE! The banks and credit card companies know about these guys. If we all get a lawsuit together we can take these guys down!
I will go to the end of the earth to take this company down. They prey on small businesses and people in need by offering fake promises for money that does not exist.
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