• Report: #556510
Complaint Review:

First Freedom Equity - Tom Sims

  • Submitted: Mon, January 18, 2010
  • Updated: Wed, January 20, 2010

  • Reported By: Kathy — greer South Carolina United States of America
First Freedom Equity - Tom Sims
424 E Central Blvd Suite 420 Orlando, Florida United States of America

First Freedom Equity - Tom Sims Credit Services Unauthorized Credit Card Charge of $1299.00 for Debt Settlement without legitimacy of company provided Orlando, Florida *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*REBUTTAL Individual responds: CALL MY BLUFF?!

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I called his bluff on his website www.firstfreedomequity.com. This website does not mention any debt services whatsoever and when I told him this the website no longer even exists. I also called the Consumer Law Group Corp offices in Boca Raton that he claims to be affiliated with and they've never heard of him or any of his companies. I've asked him to provide valid company information and I received this email.

As per your conversation today with Tom Sims, the following is more information about the Debt Settlement Program. If you would like to view more information about the law office that will handle the debt settlement you may go to www.myconsumerlawgroup.com About the Attorney Debt Settlement Program: Debt settlement is an arrangement between you and your creditors that allows you to settle your debt for less than the amount that you currently owe, and in a fraction of the time. The Consumer Law Group, P.A. has worked with virtually every major creditor, and we have developed good relationships with them. We have helped numerous individuals and families settle their debts and avoid bankruptcy. Our first step is to immediately put a stop to harassing phone calls and letters from third-party creditors (collection agencies or law offices). This can be a valuable step for our clients who can then focus on their family and career goals, without having to fear opening the mailbox or answering the telephone. Debt settlement may affect your credit rating and/or FICO score since creditors only negotiate with debtors who are delinquent on their accounts. Secured debts are not eligible for the program (no home loans, car loans, etc.). We pride ourselves on taking a comprehensive approach to our clients needs, which includes keeping our clients informed of their rights as consumers and exercising aggressive negotiation techniques. You can rely on our Legal Team to provide accurate information and courteous, professional service. Rest assured, our team is committed to getting the lowest possible settlement on your behalf. Remember, We work for you! Should you have any other questions please contact Mr. Sims at (888) 819-0008 between the hours of 9:00 Am to 5:00 PM Eastern Standard Time. Sincerely, The Customer Service Team First Freedom Equity

This was copied almost verbatum from a company that has zero recognition with him or his companies. They also were not supposed to charge me until they saved me a guaranteed $3000.00. They charged my credit card the very same day.

EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 01/18/2010 08:45 PM and is a permanent record located here: http://www.ripoffreport.com/reports/first-freedom-equity-tom-sims/orlando-florida-32801/first-freedom-equity-tom-sims-credit-services-unauthorized-credit-card-charge-of-12990-556510. 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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#1 REBUTTAL Individual responds


AUTHOR: Tom Sims - (United States of America)

Mrs Faldrowicz clearly expects people to work for her for FREE. If she wanted free services she should have contacted the welfare office. She was MORE than happy with the program as she was divulging the personal aspects of her life to me. It was my understanding that we had built a good relationship and were meeting her goals for her debt. Now that she has worked herself into a frenzy about a debt monster that SHE herself created, she is lashing out at the only people that have tried to help her. By slandering my company as well as me, she is showing all of us the danger in trying to help others. I feel for Mrs Faldrowicz and her situation. That is why , in good faith, I chose to give her my personal cell #. Instead, in conspiracy theorie fashion, she posts my private # on a web site, slanders my name and completely destroys all of the hard work I did for her. Not only did she verify our charge for services 4 times, she also thanked me as we were hanging up the phone. This client entered into a DEBT SETTLEMENT PROGRAM that CLOSES ALL ACCOUNTS INVOLVED. She was ABSOLUTELY and CLEARLY aware that we were going to include our fee into the settlement. It is all recorded. If you would like any more info, please contact me @ 888-819-0008 First Freedom Equity. Thomas Sims
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