FIAD SERVICES, FIAD CARD SERVICES, MICHAEL COOPER BCA RECOVERY Michael Cooper FIAD Services used to own BCA Recovery and Scammed me our of $8,000 Pompano Beach, Florida

I was contacted by an internet fraud collection agency called BCA RECOVERY, LLC by a Michael Cooper, now owner of FIAD SERVICES who told me that his agency had a 95% successful recovery rate on internet scams; there was no up-front fee only a fee of 50% of the collected assets. Since I had recently been scammed by an internet training group called Thrive and/or Focus for $16, 000.00 and had no luck in recouping this money I told Michael Cooper to put BCA RECOVERY on the case. After several weeks he reported back to me that the credit card rebate of $16, 000.00 would be credited to my Visa Card and on my next Visa statement it showed a "temporary" credit back assuming the vendor did not challenge this case. Michael reassured me that the vendor had no way of challenging this credit and not to worry just send BCA the 50% due or $8000.00 which I did. Several months later the vendor was successful in challenging this rebate and Visa informed me that after 3 deliberations they chose to side with the vendor. So I had $16, 000.00 charged to my visa card and notified Michael Cooper at BCA that the vendor was successful in getting visa to pay the entire $16, 000.00 whereupon he told me not to worry he would try to appeal the case with visa. After 3 appeals, BCA was unsucessful in reversing the decision and I asked for a refund of the 50% $8, 000.00 fee that I had paid several months earlier when I thought the case was closed. He assured me that I would indeed be refunded but after several weeks there was no refund received and I tried to contact him by phone unsussesfully and finally sent him an email asking for the refund. He at first made several excuses about the company being in hard times financially and eventually sent me this last email which I have enclosed again reassuring me that the matter would be soon settled. As you can see by the date onthe email this was several months after I had requested the refund. I DO NOT EXPECT TO EVER SEE THIS $8000.00 AGAIN AS I NOW REALIZED THAT THIS COLLECTION AGENCY WAS ITSELF A SCAM NOW GOING BY THE NAME FIAD SERVICES. FIAD Services claims that they've been in business for years. They only started using the name about a year ago after scamming many people.