• Report: #303982
Complaint Review:

EDA Group - FDA Group

  • Submitted: Mon, January 28, 2008
  • Updated: Thu, May 01, 2008

  • Reported By:Plainfield Connecticut
EDA Group - FDA Group
701 W. Pipeline Rd. Suite 9 - 7286 Glenview Dr. Hurst, Richland Hills, TX, Texas U.S.A.

EDA Group - FDA Group Robbed me under fasle pretenses & representation Hurst or Richland Hills Texas

*UPDATE EX-employee responds: small correction

*UPDATE EX-employee responds: Kourtnie

*UPDATE EX-employee responds: Dear Paula Ruelli Ditto,

*UPDATE EX-employee responds: You actually believe that?

*Author of original report: E.S. Update

*UPDATE Employee: GlassHouse-- Jarrid Morrison, Laura Dudick & Kourtnie

*UPDATE EX-employee responds: Ex employee-

*UPDATE EX-employee responds: The Truth of the Matter!

*UPDATE Employee: Falsely accused

*Author of original report: E.D.A & F.D.A Group

*REBUTTAL Individual responds: Wrongly accused

*UPDATE EX-employee responds: Shawnee Finck, please don't jump to judgement

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The EDA Group are lying thieves. They promised great things then to deter me form seeing the truth, sent me a letter in which they changed their name to FDA group and said they moved to a different office for more space. This went on for 5 months!

The main lyers are Paula Rueli aka Paula Ditto and Shawnee Finck. These people say they are going to help you but will not. Please do not do business with these horrible people.

They will also tell you not to read reports such as this on line!

Plainfield, Connecticut

This report was posted on Ripoff Report on 01/28/2008 09:11 AM and is a permanent record located here: http://www.ripoffreport.com/reports/eda-group-fda-group/hurst-richland-hills-tx-texas-76053-76180/eda-group-fda-group-robbed-me-under-fasle-pretenses-representation-hurst-or-richland-h-303982. 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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Updates & Rebuttals

#1 UPDATE EX-employee responds

small correction

AUTHOR: Kourtnie - (U.S.A.)

there was a misprint in the last post I made "CRN who is owned ..." I ment to put CCR not CRN.
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#2 UPDATE EX-employee responds


AUTHOR: Kourtnie - (U.S.A.)

I wrote a response last night but it didn't post correctly so here is try number 2J

Interesting Come back Enhanced Debt Assistance / Federal debt assistance.

Let me start by address a few things.

I want to make sure you guys get my web site (((ROR redacted))). If you feel you were place in a difficult position by eda/fda and need advice, give us a call we will try to help you in any way we can. Currently we have volunteered our services to many past clients that lives were destroyed by this company and continue to do as much as we can to help whom ever is in need.

You will never find where I gave legal advice but I do employ Attorneys that give legal advice.

As for a degree? I am not even going to respond to that comment. IT is ridicules.

I have a manicurist license and an independent contracting license in the state of Texas. Although I no longer work as a nail tech for profit I do spend time volunteering at some amazing charities.

One such charity is geared towards giving women that are struggling in life and need help . They are giving a make over and job interview . So many families have been helped through this service . It is amazing to see the change in peoples life when they know someone cares. In addition I spend time at a local nursing home , volunteering my services to those who really have no one. It is amazing the smiles on their face knowing that someone cares enough to take the time to care for them. O yes I also clip little doggie and cat toe nail in the various originations I volunteer in to help re-home unwanted animals. I think it is important to give something back to the community, it gives meaning in life.

If you're reading all of these post I think it is pretty clear why I quit working for this company. I have never named names in a verbal attack and am not about to stoop to doing it in the name of God.

I am pretty sure the God I worship would not approve. That's not what I am about.

I will redirect this post to remembering that the clients well being is the most important thing. I love what I do. Everyday I speak to many different people that are desperately searching financial help. It is a rewarding to help someone find financial peace. At Prosperity Financial we represent Consumer Recovery Network, a consumer advocacy group that rescues clients from predatory companies, in addition we offer Attorney based settlement through CRN who is owned by preferred groups who owner sits on the Board of USOBA.


CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

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#3 UPDATE EX-employee responds

Dear Paula Ruelli Ditto,

AUTHOR: Laura - (U.S.A.)

I saddens me to see that you have allowed the Carrero's to make as big of an idiot of you as they have many trusting and caring people in the past. I will admit that I fully trusted and even loved the Carrero's as my own family. I allowed them to use me even after many warnings that the only reason they wanted me on the checking account was to have a fall guy when they sucked all the money from the business. I hope your heart heals and you get right with your God. I myself have been able to heal and move on. I had no say over what came out of your check. The same thing happened to me week after week insurance and taxes came out of my check and nothing got paid in. I was paying for health insurance that me and my children did not have. The only blame that lies with me is that I did not inform the proper authorities of the wrong doings in the company by the main share holders. (the Carrero's)

Paula, I truly hope you protect yourself from these people and do not allow your self fall victim to there ways!!!
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#4 UPDATE EX-employee responds

You actually believe that?

AUTHOR: GlassHouse - (U.S.A.)

Unlike you, I didn't post anonymous. GlassHouse is merely an old attage: "People who live in glass houses, should not throw stones..." I don't live in one, HOWEVER, I am looking to shatter one. All the Carrero's had to do was take responsibility for the situation that THEY KNOWINGLY created with the taxes. Instead they are blaming others for their lack of business ethics. If I didn't want anyone to know who posted that, I wouldn't have included my zip code...

WE didn't own the company, never did... I had 1/100 of 1% (and, just in case what that means eludes you like the zip code did, that's 0.01) in shares of the company.. Same for the other two managers. The remaining shares were assigned to CME..

We couldn't hire or fire anyone.. but we 'owned' the company? And, if we 'owned' the company, how could we walk away and you still be in business? But your allegations don't bother me. Seems to be a lack of common sense on your part... I still have ALOT of documentation and RECORDINGS (remember the Panasonic IC recorder????) regarding EDA/USCM/FDA or whatever... so it's all good. You'll find that I will be posting it VERY soon. Including proof of forging documentation for loans and manager's recommendations to layoffs when money ran tight.. (Which, again, I ask... if we "owned" the company, why would we be "recommending" layoffs?) Just for fun, I might even make it a website named "FDAGroupFraud", or something to that effect, and include pictures, addresses, audio recordings..

My only request to you and everyone else at the company was to LEAVE US ALONE.. Instead, EDA/FDA is trying to hang all the managers with more than $47k in past due employment taxes?!?!?! The ONLY thing any of us are guilty of is believing in a family (the Carrero's and William) that purported themselves to be victims of "Rusty Hilger's" mismanagement of US Credit Management's client escrow account. The funny thing there is that I have pictures of the Carrero's attendance at the events that were paid for by Rusty.. BTW, I will be sending all of this information to Mr. Slidell. In case you don't remember him, he is the trustee appointed to the USCM Bankruptcy case...

I am not hiding in a Glass House.. I am, however, looking to shatter one. As for payroll amounts... I didn't make $8000 a month.. I made the standard that was paid to the 3 managers of the company. I even skipped several paychecks so that you, and others, could be paid and leads could be purchased....

Enjoy the ride you're on @ FDA... when they run it into the ground by living out of the accounts, (i.e.; Cable bills, Dry Cleaning, Groceries, etc..) you'll be left being blamed for the outcome.
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#5 Author of original report

E.S. Update

AUTHOR: Anonymous - (U.S.A.)

I finally received a phone call from Paula after I posted this report and I was completely saddened that it was not for an apology. Apparently she and her collegues have convinced themselves that they are good people. She claims she called me and sent me emails but it most certainly is a lie. I had and have been checking all mail with no correspondance for 5 months besides the vague letter of the company name switch. I'm sure the company name will switch again soon.

If I had received a mere phone call or email I would have never posted this and they would most certainly would have continued to steel my money. She claims in a post that I received all my money back but that is not true- again, I would not have posted this. What was left in my special acct. that was autiomatically deducted from my personal checking was returned, a mere $400, which took a great effort and a long period of time to do so. My total loss was over a thousand. I can only thank one of the nicest debt collectors I have ever talked to open my eyes of what was really going on.

I can't be to sure of every ones part in this but I did get a very nice phone call from an ex-employee speaking on Shawnee behalf that she was clueless as to how every one was being scammed until the very end of her employment with this fraudulent company. Shawnee and Paula were the only names I had, and the only people I talked too and therefore the only people I could point fingers at. Shawnee, I'm sorry if I marred your name on accident.

I am now in direct contact with my creditors trying to pick up the pieces and settling myself with them and trying to avoid lawsuits. Debt settlment companies are apparently supposed to send valadation letters to the creditors, stop the barragement of phone calls, and provide legal representation. This FDA group will not do this and most certainly did not do this for me!

I am under alot of stress from this and I still can't believe that these people would do such a thing to some body with low income, a single new mother, a hard worker, and a good person like myself. Of course I put myself in this mess and I'm facing the consequences of being so naive. To every one who reads this and in the same predicament as me -SETTLE YOURSELF! -Oh and Kourtnie I still didn't get that email!
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#6 UPDATE Employee

GlassHouse-- Jarrid Morrison, Laura Dudick & Kourtnie

AUTHOR: Paula - (U.S.A.)

Jarrod Morrison -- owner of EDA and my boss along with his girlfriend Laura, told me on a daily basis that they were the owners of EDA. I pray every day that God will help you tell the truth, get a life and find employment. I realize not many companies will allow you to steal as a paycheck $8,000.00 per month for the two of you while you did nothing, but harrass the employees and throw your ownership around. Jarrod and Laura, why did you take taxes out of my check and not pay them...SHAME ON YOU BOTH!

Stand up all of you, and be proud of who you are, stop hiding in your Glass House, state your name.

Miss Happy Camper - Kourtnie Donihoo CEO of Prosperity Financial, Inc.


www. Prosperityfinancial.org

She practices giving legal advice without a degree from any college. She also does pedicures without a business license. These are the people who think they have integrity...I would not want my worst enemy to know them.

Those people trusted you, and this is how you repay them...
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#7 UPDATE EX-employee responds

Ex employee-

AUTHOR: Not A Happy Camper - (U.S.A.)

I have never made it a secret I worked for EDA. I believe this company stood for the right things in the beginning but as time progressed It fell into the wrong hands. When I found I could no longer represent them and felt the program was not advantageous for the clients....I walked out in the middle of a work day.. Long, long ago. No back up job or plan. Just left with my "ethics"

While employed at EDA I tried many times to implement new policy that was consumer friendly and set to current standards........ it fell on deaf ears, I was told to " just sell" When I would not conform to the " rules" and continued to educate myself on the industry, I became a object of blame. In fact I was accused of so many things I did not do, nor would ever do. Come on this is not second grade If I write something I will place my name on it. End of story. I am tired of being threaten and accused by ex co-workers.

I have moved on. I did learn a valuable lesson from my time at EDA.

I still am in the debt industry I work with a consumer advocacy group now, our main focus is rescuing people from predatory companies and ridicules fees. I am privileged to help people find solutions to fit their financial needs. I don't feel settlement is a end all solution. With the right client, in the right situation it can be a great solution. Assessing this is a very serious matter and should never be taken lightly. The most important thing to remember is "This is a consumers financial future and it is sacred. " Too many companies lose sight of this.
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#8 UPDATE EX-employee responds

The Truth of the Matter!

AUTHOR: GlassHouse - (U.S.A.)

Truth is... I know all the people involved in this.. As an ex-employee, I can tell you that all of them only do as directed by the *owners* of the company... Let me list those out for you:

William Mercado, Mercado Insulation - Puerto Rico
Herman Carrero
Milton Carrero
and now, the biggest crook of them all:
Lester Carrero - recent Chiropractic graduate (December of last year I believe)

Now, the company history:
US Credit Management (Class Action Lawsuit)
World Debt Solutions (part of USCM lawsuit)
WorldWide Debt Solutions (also worked with Alberto Camacho)
The EDA Group (Enhanced Debt Assistance):
and now, The FDA Group...

Go here and search for the names:

You'll find that David Ritter was the registered agent for WDS and WWDS. He filed the paperwork for them and that's all.. He bares NO RESPONSIBILITY for these guys.

Pay close attention to the outcome of each company... Search for complaints, look at the track record... It's the same each time.. the people (clients) lose in the end! You'll find that Paula started working for them at US Credit Management and is still there today. Kourtnie and Shawnee did not start until EDA.. A few other players: Montserrat - started at US Credit management, has been manager of customer service for the other companies. Who knows what she does now... for her sake, I hope she got out.

I don't know who they have on FDA paperwork, but I will find it... And to those who are still there, get out now while you can! Clients, the outcome will never meet your expectations..
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#9 UPDATE Employee

Falsely accused

AUTHOR: Paula - (U.S.A.)

First I do not use alias names, and second nobody ripped off E.S. the person who lied. When she enrolled in the program, everything was explained to her, and reviewed with her when she received her Welcome Call. The way our program works is outlined in her agreement and in the acknowledgements, which she signed. Her funds that where in her account were returned to her. The communication between her and our company are documented. Nobody lied to her, and we are far from wolves. She was not mislead in any way.
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#10 Author of original report

E.D.A & F.D.A Group

AUTHOR: Anonymous - (U.S.A.)

It is nice to see that somebody has nice things to say about Shawnee Fink. The truth is that she has never resolved any problems with me ever; she only lured me to the wolves and sent me back to them when I had questions. Fink called me multiple times to join the company when I was pregnant and worried about my future finances.

If Shawnee Fink has good character why didnt she call me and warn me of the fraudulent company she worked for? Instead, after filing this report anonymously, she called me at my home to harass me, which leads me to believe she still has all of my personal and financial records, which is scary.

Fink, since I know you will read this if you want your named cleared call me back, apologize, and give me the key players and their titles inside the company who are the true thieves if you say you are not and I will pursue them. A good person that worked for EDA or FDA Group that has been misrepresented as you claim, would call all the other people that are being robbed as well.
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#11 REBUTTAL Individual responds

Wrongly accused

AUTHOR: Shawnee - (U.S.A.)

I am being wrongly accused by this report. I have NEVER ripped anyone off. I do not even work for the company anymore. When I did, I went word by word with how the program worked in full detail including how all the payments were taken out. I'm being wrongly accused for an unhappy client. This client must have had bad service after I have left the company because when I was there I made sure my clients were taken care of and out of all the sales people I had the least cancelations of the program.
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#12 UPDATE EX-employee responds

Shawnee Finck, please don't jump to judgement

AUTHOR: Not A Happy Camper - (U.S.A.)

I am a former employee of EDA and have known Shawnee for 3 years or so. I just want to make a statement on her behalf. I think it is unfair to drag her name through the mud. Shawnee was one of my dearest friends and I was so sadden by the loss of our friendship that which ended over our disagreement and my decision to walk out mid day and quit the EDA group. No matter what even now there is no one I would trust more or feel has higher ethics as she. I truly believe she meant well and believed whole heartily in helping people. Unfortunately she can not control the back office and had nothing to do with the files being processed or how they were handled.

Shawnee had no power over anything thing past analyzing the client and placing them into a program. If I know Shawnee Finck then she did everything she could do to help this client and resolve any issues, but she could only do so much the back office had the control.

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