• Report: #1162404

Complaint Review: Michael Homer

  • Submitted: Wed, July 16, 2014
  • Updated: Wed, July 16, 2014

  • Reported By: DrKane — terrebonne Oregon
Michael Homer
Internet USA

Michael Homer Incubator credit repairSwirl Industries Charged me $500.00 for credit rpair and tradelines which he never got for me. Theft of services SCAM fort lauderdale

*Author of original report: Really Michael Really

*Consumer Comment: This Low Life is Still Scamming?

*REBUTTAL Individual responds: Response to Complaint

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This man will take your money and never give you the services you pay for. He promised me tradelines and said he had bought 22,000 worth of them for 6 people and he never posted mine that I paid $500.00 for. He also said he could clearn up my credit and eh never did that iether I submitted to him all docs he needed and =he said he was working on them and he never did one thing. his whole company is a scam


This report was posted on Ripoff Report on 07/16/2014 03:01 AM and is a permanent record located here: http://www.ripoffreport.com/r/Michael-Homer-/internet/Michael-Homer-Incubator-credit-repairSwirl-Industries-Charged-me-50000-for-credit-rpai-1162404. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 1Consumer 1Employee/Owner
Updates & Rebuttals

#1 Author of original report

Really Michael Really

AUTHOR: DrKane - ()

So did you sudenly get Aleizhiemer's?

You want proof that I went to Wells Fargo Bank and made a deposit of $500 into your account for your services?? No problem at all and so should I post it right here for all to see?? How far you want to take this. I forwarned you when i called and called and called and called to get you to hold up to your end and help me and you just thought I would give up and go away. well how about all the rest of your clients you left holding the beg and took there money too and did nothing leaving a certain person we both know holding the beg to clean up your mess. You know who I am talking about so if you want I can also have all those other people write in here as well. and dont think i am making it up because i know at least 7 or so of yyour former clients that you took their money and left people you had working for you to clean up your mess.

And no I never paid Tradeliner a dime for anyservice. I only paid you. And why did you go and do this to your own clients or was this just tradelineers clients who you tride to take on and fix them but couldnt so instead of being honest and telling them that  you made promises you could not keep and left your buddy and you know who imean holding the beg to clean up your mess. how do you think he felt or how we all feel. You talk about me and my sad story well at least your buddy you shafted was a honest man and he came through for me. He is reputable and hard working and honest.

I dont know if long before you got gready if you were a decent person in life but i have to hard on you as you jumped in the boat with all the other scammers out there taking desperate peoples money with no care as what happens to them. all i ever asked you on our very first conversation over a year ago was one thing. just tell me the truth of what you can do if you can help cause if not i needed to keep looking for help and you said you would do all these magical things in not 30 or 60 days but in 2 weeks and at first for free but of course i belienved someone again and weeks went buy and months until my life was almost distroyed; but thank God you did leave and your buddy picked up the peases. I owe him my life. And he help me right out of his own pocket and believed i would pay him back for his help. You took all the busines money and ran. and dont you dare run his name down here and if you do let everyone know that it will be all lies trying to make your self look good.

SO sure you want proof and do I believe you will pay me back my $500 I dont but hey surprise me. and if you pay me back i will report on here that you did one hondest right thing to make amends. if not then folks be ware because if he does not pay me back after I show him proof you know what iam saying is true and he is a scammer. Your proof coming to you soon and as soon as you get it i wil post that here too and then the ball is i n your court maybe you care what goes on here and maybe you dont. we will see wont we.

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#2 Consumer Comment

This Low Life is Still Scamming?

AUTHOR: Jay Reyn - ()

I had the utter misfortune of having been introduced to MICHAEL HOMER back in November of 2012.  My clue should've been that BRUCE BLAYLOCK, another disgusting low-life credit predator, introduced us after he was unable to make anything positive happen for me and my associates credit files. Looking back, it was probably ALL an elaborate scheme to bleed as much money out of me as possible. Between these two crooks I honestly lost at least $4,500.  $1,500 of which, I gave to Mr. Homer for services he NEVER rendered. I'll never forget how charming he was, with that "bedside manner" and soothing demeanor. It was all lies and deception. Because of how we were treated by the first scammer, BRUCE BLAYLOCK, my partner and I decided to make the trip from NJ all the way to Tampa, FL (Port St. Lucie to be exact). We went down to personally interview Mr. Homer and we even went to dinner. And a  beautiful house he claimed was his, though it was scarcely furnished. 

 

We talked for a couple hours, gave him the check for $1,500, shook on it and left. I told him how important it was for me to get this done correctly and in a timely fashion. He agreed and promised he would. I even had him speak to my wife to gain more empathy. But this unscrupulous sorry excuse for a man, took my money and essentially RAN.  I chased him via email and phone until May of 2013, until he finally wore me down and I gave up hope. I never heard from that b*****d again. and to top it all off, shortly after we met, he learned that I was employed by a major airline, so of course he asked me to issue him a buddy pass from FL to Seattle, to visit his adult son. He said he'd deduct the cost of the ticket from what I "owed" him for his services... about a $300 value. He got the tickets, But for services he never ever rendered. So if anything, he got $1,500 and free r/t airfare for absolutely doing NOTHING; zero; nada; zilch, for me. I truly wish there were state and/or federal laws on the books that punished reckless thieves like this.. But alas, I know the law doesn't support incidents like this. It would more likely be a case for a civil action. But usually these criminals get around that too, by simply crying broke. I hope this helps somebody somewhere. I hope these two lying bastards end up in prison before its all said and done. I hope this "testimonial" helps someone, somewhere. 

Regards

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#3 REBUTTAL Individual responds

Response to Complaint

AUTHOR: Michael Homer - ()

 

I am responding to this accusation:

 

This man will take your money and never give you the services you pay for. He promised me tradelines and said he had bought 22,000 worth of them for 6 people and he never posted mine that I paid $500.00 for. He also said he could clearn up my credit and eh never did that iether I submitted to him all docs he needed and =he said he was working on them and he never did one thing. his whole company is a scam

Here is my response:

I have personally never taken a dime from this person. She had done business with another company Tradeliner.org aka Enhanced Opprtunities out of Utah.  She had paid them $500 for a quick soution to save her home.  She claims she was promised her credit would be repaired and she could rent a tradeline, which is also know as "piggybacking" with in 30 days.  This process is where somoene rents someone's credit history for a fee.  The cardholder makes another individual an authorized user on their account and then the cardholder will receive a credit card in the individuals name.  The card holder retains the credit card and their history is reported on the individuals credit report for several months.  This is common to help boost an individuals credit score which will allow them to obtain credit. The tradeline(s) will remain on an individuals file and give them a chance to develop a positive credit history with their new credit lines.

When I origininally spoke to this person, who called my company; I listened to her make threats toward me, claiming I was a partner of this other company she paid. I had never had any partnership, nor did I make the promises that are claimed in this complaint. I did tell her not to threaten me or I would hang up the phone.  She apologized after going back and forth with me.  I heard her story of the property she had refinanced with a "Hard Money lender and he was about to foreclose on her property and she was strapped for time. I explained she needed to communicate with the lender and she may want to seek legal advice. I offered to speak to him myself. She claimed she had filed for bankruptcy once and could not do it again.  I listend and offered to do what I could do for Free! I could not guarantee i could fix her problem.  She said she had no money and would pay me back at a later date.

I manually sent out some dispute letters, and apparently, this was not good enough because the other company had promised everything would be erased on her credit report and then they would add tradelines to her account which would allow her to qualify for a loan.  I did place an order for 1 tradeline form a vendor. It was done at my expense.  I was trying to be compassionate and I did what I could. Everytime her pressure would mount she would call in desperation for help. I woul dhear the story again.  Then I would hear the threats when she was frustrated.  I have never made any outreageous promises not did I take money from her. This was done on my dime and I have no obligation.

When we perform our services, we have a contract.  Our contract states: what we do, what is required by the customer, a schedule of fees, a cancellation period and we provide the initial services prior to getting paid. In addition, we may get paid during the duration of our agreement.  However, we will stop work if a client stops payment.

The client has access to our system via a portal which allows them to see what work is done. In addition, they can communicate with our staff ad send documentation.  I do not have an agreement with this person.  Nor do I have a record of payment. There is not login history to our portal from her as well. Unfortunately, I do not know the outcome of what happend.

If a payment was made, I would like proof. Based on my experience, you cannot pay $500.00 and claim these services can be performed.  If a payment was received, send proof.  I will gladly refund any monies.  But, based on my records, what was done was done for free and out of compassion. 

 

 

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