PROSPERITY SOLUTIONS LLC MONICA SMITH *COMPANY IS A FRAUD* Windsor Mill, Maryland

My name is Neil Young. Representative for Prosperity Solutions, LLC based out of Windsor Mill, MD.

Ms. Hicks hired my team to work out a resolution for those seeking one.
 
Under the circumstances, Ms. Hicks has had to close her business due to unscrupulous activities from vendors she contracted to do work for several clients from 2009 - 2011. It has also been discovered that brokers were using the Prosperity name to conduct business and not follow thru on services. We are presently researching this matter as
well.

Due to these activities, she will be forced to file bankruptcy (in the very near future, for protection) but wants to work out arrangements with those who entrusted her to provide a service.

These processes may take some time, but, she/we are working to act as quickly as possible.

If you are in need of a resolution from Prosperity Solutions, please send my team an email directly to:

PSLLCSupport@aol.com

Please give general information only:

Name

Address

Service hired to perform

Your contact Email and Phone #

How much you paid

We are asking for this information ONLY!!! Long emails will be disregarded.

We simply want to work out a resolution, not read through pages of emails to find the information we need.  We understand that clients' are upset (as well they should be), but we also want you to understand that, many other companies would not even make an effort to provide a resolution to you.  Ms. Hicks just wants to work this out amicably and as expeditiously as possible.  Dealing with us directly will allow that to happen.

She wants me to also inform clients' that she deeply apologizes for the events that have taken place. When she set out to provide the services, she had good intentions on following through. She has lost a lot of money and has already begun the refund process for several clients.  Time and patience is asked (just a little while longer).

If you follow the instructions above (if you were a past client of PS, LLC). The information will be matched in the records provided and you will receive a response from someone on my team.

Thank you again for your time and attention to this matter.

Neil Young, Esq

I've been down this road a LOT and I do understand and agree but the picture posting was totally out of line and definitely not who I paid or met on several occasions.

I understand your frustration and it did take her some time to get me my funds back (silence from her did occur as well)...but she did reach out from time to time to let me know she had not forgotten about me.  I understand how this "underground" business works and when things fall apart they can fall apart real bad! If you say she cashed the checks then I believe you, but, in most instances with this business...you do wait for one file to complete prior to sending more money. She's cute but she ain't that cute!

I am hoping for everyone's sake that your wrongs are made right real soon.  The person I met has a good spirit and was devastated by what has occurred and I do honestly believe that she had ALL the right intentions from the start...just chose the wrong people to trust!

The crazy thing is, when one of these "vendors" does business...they will do a great job initially and then fall off the face of the earth leaving a trail of damage behind them and not look back.  Ms. Hicks is not that person...if she was, I never would have gotten my funds back.  Give her some time to figure this out. She's a victim in all of this as well!

Thanks for your comment and for removing whoever that maybe!
Best of luck to you!

I will go ahead and remove the picture if that is not her but her actions are shady at best. If you do say that is not her then this has been a scam from the beginning. I have spoken to Monique on several occasions and one of my clients actually met with her since he was in the area. My company was doing business with her and that total is a grand total for 7 clients who I referred to her for corporations, SCN and funding and I have all the contracts and deposits (checks cashed) to prove it. Absolutely nothing was done and I had to refund some of these clients out of my own pocket which is EXTREMELY frustration for lack of a better word. I have contacted her on several occasions as recently as a few days ago with no response, the site is down and one of the other numbers I had were down as well.

Personal Issues have nothing to do with business and it's not really the concern of any clients you were servicing. It's like saying that if the CEO of a bank had a death in the family, then the whole branch would have to be closed till he returns. You should always have a plan B-E if you are going to be in business. Ever since this incident, my business has taken a big hit and now I have clients threatening to do a class action lawsuit against my company so you should understand my anger. The economic conditions we are experiencing now is not the right conditions to get sued and start all over again with a bad reputation. It's just not feasible! I have explained this to Monique on many occasions and it obviously went in one ear and out the other.

If anyone doubts my business dealings with her, I'll be more than happy to furnish those checks cashed by Prosperity.

I was recently contacted by a consumer whose posted on this thread re: this company. I too had an issue with a refund of $5000 for what Daniel is describing. But unlike his comment I received my money back in person....& it was NOT from who he has pictured but from Ms. Hicks herself.
She has had issues getting refunds processed & I clearly believe its because the money has run out. When I hired her back in 2010, things went very well with the first shelf but the second one is when the issue arose. But in the end, I did receive the money back.
I am not posting to advocate for this company or person, but the person I met & the person I did business with is not the lies that are being spread today. If she had the money available, I believe she would issue refunds that were due. I am sorry for anything any of you may be experiencing & hope a peaceful resolution is made soon.
What this Daniel person is suggesting (sounds criminal at best) to place harm on another human being sounds sinister and ungodly! And, he needs to find the right picture & post that if he is so bent on delivering the facts!

Mr. Daniel.....I have to only assume that you have NEVER physically met Ms. Hicks because you are posting images of someone and that IS NOT her!! You might want to remove that and find the correct image sir.  Furthermore...how can you realistically send someone that type of money and expect people to believe this story you are posting!!!???  I guess you just randomly send strangers over $40K+ dollars...if so...whose fault is that really???

I've met her and Ms. Smith prior to the fallout with the vendors (NO they are NOT the same person. You might want to get your facts straight)!!! I guess you just randomly post people illegally and find that to be ok. 

Whatever you are seeking sir I hope you find it but you are so wrong for this post!

Mr. Daniel.....I have to only assume that you have NEVER physically met Ms. Hicks because you are posting images of someone and that IS NOT her!! You might want to remove that and find the correct image sir.  Furthermore...how can you realistically send someone that type of money and expect people to believe this story you are posting!!!???  I guess you just randomly send strangers over $40K+ dollars...if so...whose fault is that really???

I've met her and Ms. Smith prior to the fallout with the vendors (NO they are NOT the same person. You might want to get your facts straight)!!! I guess you just randomly post people illegally and find that ok. 

Whatever you are seeking sir I hope you find it but you are so wrong for this post!

I wanted to write a followup. As of today, 2/5/12, still have had no communication or response from the company to settle or return my monies.

I saw another post for a class action law suit. I concur, Monica Smith and Monique Hicks are the same individual. I have sources in Maryland checking on this company and person's alias as well as pursing litigation in civil court.

BEWARE PROSPERITY SOLUTIONS - You can run but you can't hide. You will be brought to justice.

First and foremost, I have been dealing with Monique Hicks which is probably using Monica Smith as an alias since summer of 2010 and I can tell you right now that no one will see any refunds from this company. Everything that has been posted are the same excuses I got when my clients were asking for their money back. In time, after the cut and paste emails run out, you will no longer have any contact with Monique aka Monica.

We obtained Prosperity Solutions for Shelf Corps, SCN numbers and funding which was all promised in 90 days, then 120 days then her vendor ran off and she had to find another vendor then the tradelines were taking long to post etc. She owes me and my clients $41,750 dollars and we will NEVER see that money. She's probably driving in her Range Rover with all our funds. To add insult to injury, we ran a background check on Monique with the information we had and found out that she has a criminal record for identity theft. Why does this not surprise me!

With people like this, the law will not help because the money is gone. I suggest to all those who been ripped off to find this person and teach them a hard lesson. The laws in the US are weak when it comes to non violent crimes, so create your own!

I am in no way advocating for anyone I am simply sharing my opinion AS YOU HAVE on a company I have dealt with for YEARS!

I did read the 2 other posts and common sense would tell YOU that in reading them....the people who posted the previous comments either know each other OR are the same person!!  This site is full of people who have nothing better to do. Placing a company on here will not get you your money back any quicker. Its ridiculous to say the least!

Look up major company's....YEP...they are on here too and business has NOT stopped for them!

Furthermore, as I stated previously....YOU obviously do not know about this industry and do NOT know the ramifications of seeking/employing someone to create YOU a new profile in the credit bureaus! Your responses are too ignorant to say that you are knowledgeable!!

In my experience of doing business with them to see "possibly" 3 people who've had issues does not deter me in the least! It simply shows me that once again....in this industry...things happen!! You got your panties in a bunch because whoever emailed you didn't give a name...REALLY???  So if they just throw ANY name at you, I guess you'd feel better!!  UNBELIEVABLE!!!

Well good luck to you oh "misinformed one"....and stay out of seeking/employing people to give you a new credit profile when you've so clearly ruined your REAL credit profile!!! You and the rest of the "delusional" people of the world are destroying this industry for the rest of us!!!

To Melissa who wrote the prior comment:

First, because a company responds to you, does not nor does it indicate that in the future they will resolve the problem via restitution. When you engage services with a company, the expectation is that they will deliever.

Second, since you are advocating for this company, then you are the only one that has not been ripped off. There are 2 other posting - 3 including mine that indicate otherwise. Past behavior is a predictor of future performance.

Third, unless you have a direct connection with this situation and are in a position to help me (I.E. refund my $1,195.00) and the other who have feel victim to this scam, then you have NOTHING to say. I worked d**n hard for the money I lost so your opinions, rants and whatever other future comments you have to say are irrelevant and not worthy my time or response.

Lastly, choosing to establish secondary credit profiles or credit profile numbers is not illegal. It's what you do with it once it is received that presents the issue. Your comment about opening a can of worms is something I welcome as there is more to this company that needs to be made public so moving forward and finding out the real truth does not scare or deter my position in the least bit. If there was nothing to hide and this was a legitimate, then I would have been given a contact person to follow up with when I received the response emails and I would not have to threaten legal action to get a response. When an employee leaves any company (for cause or otherwise), business protocal dictates you follow up on their case load and notify the clients of the change. Find out that the company had taken down their website, was not returning call calls  AND I had to send a threatening email clearly states that business was not handled in a proper manner.

So I am ABSOLUTELY CLEAR any futher responses defending this companies practices I WILL NOT respond to. 3 former clients all from different states who DO NOT know one another experiencing the same issues cannot be wrong. I will continue to press my legal pursuit and STRONGLY ENCOURAGE the other victims to do the same.

If I ever receive restitution, receive additional communication or this matter is settled, I will update this posting. As of 12/6/11 there has been no additional response.

I have been doing this business for over a decade and have LOST thousands in trying to find someone/company's to assist me and others!! ITS A RISK I CHOSE TO TAKE since I am seeking something that you cannot just walk in off the street and attain!! Those that took my money in the past DID NOT COMMUNICATE, EMAIL, CALL OR TRY TO REACH OUT!! It hurts...it bothers me but...when you are seeking an ALTERNATIVE CREDIT FILE BECAUSE YOU JACKED UP YOUR PERSONAL CREDIT....you take the risk OR.....YOU DON'T!!!!

Like I stated in my previous post, Monica assisted. She emailed. She got updates AND....IF you have been emailing and got word that she is NO LONGER there....then that would speak volumes as to why you had a delayed response!!

Like I stated in the previous post....I did not have any issues with them. There were delays a few times but....they were resolved. I knew the alternative for my clients was a long road of trying to repair tarnished credit. This is/was an alternative and I've assisted at least 3 dozen clients through this company.

Posting what your posting and knowing full well that you were seeking a NEW credit profile is crazy to me. Good luck because YOU are opening a can of worms you might not be able to close.  I hope you find resolve soon because its quite clear you were NOT a well informed person on this side of the industry prior to moving forward in this venture. 

First, let me say I have received several emails from someone at Prosperity Solutions LLC dated Friday, December 2. Excerpts from those emails read as follows:

Email #1: Please be advised that Monica is no longer with the company. Due to several problems arising with vendors we have since shut business down until we are able to locate paid vendors who've not supplied services that were paid for.

We truly apologize for any inconveniences this is causing but we are working diligently to resolve this matter quickly. The tradeline business is very volatile & unstable & anyone whose been in this business for some time or has researched this area of business is very well aware that sometimes gambling pays off & sometimes it doesn't (similar to stock market).

Unlike the stock market however, we are working to repay you.

Should you have any questions, please send an email.

Thank you for your patience in this matter.



Prosperously yours,



Client Services Dept.

877-824-4777

ext. 2


Email #2: We just wanted to reach out & let you know what's occurred. Saw your post on

one of those sites with the one other person in FL who decided to post twice.

Just know you chose to have us build YOU a new credit profile for credit

obtaining purposes so that information will be divulged to the court system as

well!!!!!!

We are working to get refunded so once we get this resolved you will be notified!

Prosperously yours,

Client Services

Dept.

877-824-4777 ext. 2

Email #3: We will keep you posted. The vendor lost his trades & what posted on your

file has fallen off because of this. Fighting with us can only prolong this.

Prosperously yours,

Client Services Dept.

877-824-4777 ext. 2

***The aforementioned emails were only received AFTER I sent a final email requesting a response and indicated I would pursue legal actions if I did not received a response by Friday, December 2, 2011. No where in the aforementioned responses did I receive the name of the person to whom I was communicating with, although I have received this information via this site and another credible source. No consumer should have to threaten legal action to get a response. This company KNEW they were having issues and they would have never "reached out" to me had I not sent an email and posted information on this site. This is UNACCEPTABLE and for the comment to be posted that they are reputable is not a valid or credible response. Any "reputable" company would have be pro-active and contacted their customer in advance to advise them of the situation and let them know their contact had left the company. Moreover, to see that another person in another location has experienced similar responses is not good and again does not lend to the credibility of the company. This company not only didn't provide me with a contact name (even though I have it), there was no date given for when restitution would occur. This is consistent with what the Florida posting stated. That person was told 45 days which had come and gone. No response from Prosperity Solutions LLC.

I have moved forward with legal action. I encourage anyone who has experienced what I and the other posting (Florida) has gone through to contact the Better Business Bureau in Maryland as well as your local authorities and the authorities in Maryland where Prosperity solutions is located. If you can obtain legal counsel, please do so and forward all communication and correspondence. Additional, contact Bank of America and notify them that this company is scamming people.

Lastly, the fact that this company cannot keep or retain reptuable "vendors" is of no fault or consequence to the clients who used your service. You should have business insurance policies to protect you against non-performing vendors for which a claim can be filed.

I will keep posting and pursuing the money that was taken from me and update this posting as necessary.

**DO NOT SEND YOUR MONEY OR DO BUSINESS WITH PROSPERITY SOLUTIONS LLC IN MARYLAND!!**

I worked with the company for the past 2.5-3 years and have sent several friends and family members through Prosperity.  There have been times of delays and on 2 occasions they've had to refund money. It took a little time but, they received their money back.  People who seek out the services they provide always expect a miracle to happen and sometimes it does happen, is delayed or does not occur (for one reason or another).  Those of us in the industry know full well that there are risks being taken when we "opt into" these services.

This does not mean we are asking to lose money but in all business ventures...that risk is ALWAYS known and if its not then that's the fault of the consumer.

I've dealt with Monica for a long time (and upper mgmt)....and I know full well she (nor they) are taking clients' money with the intent to NOT provide a service. As of late, many trade line providers are losing their ability to post (thus causing major domino affects in the system). I keep my ear to the market so that is why I am aware of this information, nor do I participate in anything I am NOT fully aware of (or its risks)!!!

I hope things are resolved very soon for you but as a long time customer of the company's...I felt compelled to speak up on their behalf.