Report: #326954

Complaint Review: Florida First Financial Group

  • Submitted: Thu, April 17, 2008
  • Updated: Wed, July 29, 2009
  • Reported By: coconut creek Florida
  • Florida First Financial Group
    1718 E. Giddens Ave
    Tampa, Florida

Show customers why they should trust your business over your competitors...

These cretins not only violated every section of the FDCPA but illegally put an entry in my credit file because they did not like the way I spoke to them! Get this; Bill Williams impersonated an attorney on the phone, made threats and could not validate the debt as mine. When he continued to insist that this debt was mine and became abusive the conversation got heated. Williams (Which is an Alias) stated that he was going to ruin me and my credit if I did not pay a debt that a roommate of mine incurred some 4 or 5 years ago. Being that my address was used I was now responsible for the debt!

It gets better. The credit bureau concurs with Williams and I have documented evidence that they said I'm responsible with no proof of the debt being mine. They further said that because this collection agency is a member of their bureau they believe them. This gives Williams' agency the power to screw anyone or blackmail anyone based on the Equifax/Trans Union people backing them. These scumbags are allowed to put a gun to your head and they cannot be stopped without litigation. They know that 99.9% of the people out there can't afford to sue them so they win by default.

The system is so wrong that these people can run rampart without fear of repercussions. They are allowed by law to extort money from you, sue you in court and then get a judgment to lien your property. There is no validation of the debt, there is no SSN tied to the debt, no contract to dispute but an allegation that one exists.. They use national law firms to sue you and they have an army of attorneys to run a debt up to at least 10 times the face value. Unless someone changes the system the consumer is screwed and these agencies keep getting rich off of someone else's misfortune. The numbers are staggering, it's in the billions!!

coconut creek, Florida
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This report was posted on Ripoff Report on 04/17/2008 08:41 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment


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

As to the response of the former employee "Keith" who also goes by other aliases you are no better. I moved out from a rental house many years ago. I left it in better shape than it was prior to moving in. The landlord who apparently was in financial trouble did not want to give me my deposit back. Instead, he contacted you all and had you send me a "letter" to collect money for damages. The damages he claimed were handwritten. I had photographs, documented receipts, and a licensed realtor do a walk through of the house with me after reading the landlord tenant laws for Florida. The house was literally in move in condition for the next person. When I called you regarding the letter, you at first claimed it was for "tattoing and body art equipment". My landlord owned a shop like that. When I disputed you put me on hold, obviously to call him and find out what the truth was, came back and started yelling and screaming at me. You proceeded to report it on my credit and lie for the next 7 years. I had to put fraud notices on my credit because what you did was illegal. I talked to an attorney. I was going to file a federal lawsuit (as apparently many now have been filed against this company) but it would have cost me more money than what was involved. I would not take your testimony any more seriously than that of the owner's. I think you all are bad people.
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#2 Consumer Suggestion

Susan Lienhart and Lighthouse Capital Fraud SCAM COMPANY

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

LightHouse Capital Solutions
Florida First Financial Group

Susan Lienhart

On 12/23/08 Reed Lienhart showed up at my home around 7:30pm I was sleeping and awoke to a loud pounding on the door so hard I thought the door was going to come off the hinges. At first I thought maybe there was a fire, or maybe an emergancy, so I quickly answered the door. When I answered the door it was Reed Lienhart. I asked him what he wanted and he stated he wanted me to delete my postings off rip off dot com and to change any further testimony in depositions about Susan Lienhart recieveing money from Florida First. I informed Reed that wouldnt be done, and his comment was that the attorneys wont find anything anyhow because cash is not traceable. During this conversation Reed kept receiving phone calls on his cell phone. After the fourth call coming in on his cell phone, I asked if he was going to answer the phone or just keep letting it ring. He said it was Susy and he wasnt going to answer the phone or leave my house until I changed my mind about changing further testimonys and removing rip off dot com reports I posted before. I told Reed to leave my house and he said you know I have a consealed weapons permit and always carry a knife, things can happen. At this point I was fairly scared because Reed has been backed into a courner by Susan and when people get backed into a courner they only have one option and thats to come out fighting. I dont like to lie about things but I did tell Reed ok, let me call rip off dot com and see if I can have it removed now please just leave my home. Reed said I will expect a call from you in a few days to let me know when you removed it and he left.
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#3 UPDATE EX-employee responds

Florida First financial - Lee alan reed & associates - susan lienhart lighthouse capital

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

Florida First Financial

Lee Alan Reed & Associates

Lighthouse capital solution

owned by Susan Lienhart and Reed Lienhart

My name is Keith W - alias bill w, chris wall, john good. I worked for Florida First Financial for about 15 years. I left on good terms and the deal was that we would part ways in peace. Without you really knowing Reed you wouldnt understand this but he has to be loud and voicetrous, its so bad he is known for giving a B.S. story about playing for the bucks, Yes Reed if you reading this I know your full of crap, your dad told me you fell on the field during try outs and had to be carried off the field. Reed just couldnt leave things alone when I quit, so he started telling people he fired me for drugs. First of all he didnt fire me, I quit because Im 65 years old and quit the day I got my SSI check.

Im here to say that most of these posts are correct. I have gone to the state and working with them anyway I can. Reed collects payments on average about 35% if its within 6months old and then gos to 45%. Reed would often hold payments not showing clients an account was paid until it passed to 45%. However reed is keeping probably closer to 90% of all payments. Clients were always calling wanting to know where their money was. Reed would tell me to get on the phone and lie. He would have me tell clients that it was never paid to us and make debtors find proof, most of the time they didnt have proof and Reed would get paid twice. He would have me tell clients that FFFG paid them 4 months ago and make up a dummy SOC #, and have me tell them the check was cashed. It was all lies 1/2 the time clients would never check with the banks or research it, so it was just more money Reed would get to keep. Reed would change the Date of Service dates on accounts so they would stay on the credit bureaus longer. Here is the question, I wonder how much money Reed and Susan Lienhart have on hold that has never been reported to their clients. I have been hearing that Reed is laundering money from Florida First Financial into a dummy FFFG account. I was told Reed now has two Florida first bank accounts, so that when the courts ask for his financial records he can give them the one with dummy books. He is depositing into the FFFG account about 1000 a week originaly then keeps bringing is down in small steps in hopes to prove he is pennyless. He purposly hasent paid proptery tax as another angle to prove he is going to file banko. He is also laundering money into the Lighthouse Capital solutions with 10K checks and also now depositing most of the money into Lee Alan Reed. Yes FRED is still his counsel and works for reed despite what Reed trys to claim, Fred is there all the time. Both Reed and I were both in the office every single time a process server came to serve him. Reed just instructs the girls to say he is not in or that they work for a temp service and cant except it. He cant pay clients because he spends to much with a house in Mt dora and a house on franklin, a mercedes, two kids in private school, a new ford pickup, hummer, 20 mopeds, boats. He is living high on hog while screwing over all his clients. But yet he forced myself and other collectors to work as an Indenpant contractor so he wouldn't have to pay our tax. He even made one contractor pay his side of taxes that wanted to become an employee. He refuses to pay time and half to the clerical staff, he will threaten to file his clerical staff if they complain. Still think Reed is a nice man? Terry Smith was a collector who worked for Reed 25 years. Terry was dying from cancer and given 1 month to live, Reed stole more than 4000$ of payments the man had coming to him 2 weeks before he died, then didnt understand why he was Banded from the funeral. Stealing from clients wasnt enough all collectors contantly found payments Reed would backdate so he wouldn't have to pay collectors commission, his office was so tired of the abuse thats why 1/2 his office quit! All I needed was a simple "Sorry" and would not have posted anything here, but you just cant learn.

You didnt take care of the people who got you where you did Reed. You gave us no mercy working for you. Hope the courts give you the same. See you in court buckaroo.

Keith W - I will testify in court. Any attorney interested in more information e-mail me at (((Redacted)))


clearwater, Florida

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