Report: #361543

Complaint Review: Opti-Score

  • Submitted: Mon, August 11, 2008
  • Updated: Wed, April 29, 2009
  • Reported By: Glen Rock New Jersey
  • Opti-Score
    45 River Dr. South Apt. 3106
    Jersey City, New Jersey
    U.S.A.

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To whom it may Concern:

I am obligated to forewarn consumers, businessmen and women and anyone else of a company that has swindled many people in many different ways. The company is Opti-Score, and its owners are David Masten and Todd Bierman.
I personally and unfortunately have worked for these two defrauders in late 2007. They claim that they will restore and rebuild your credit, as well as providing you with customer service that is unparallel. It was my job to sell their services which at the time I thought was viable. I began to get suspicious when my new clients that I brought to the company started being neglected ironically immediately after paying for service.

I understand when dealing with attorneys' or various consultants they may have a tendency to avoid phone calls until they have something more tangible to report. I personally don't condone this practice, but I do understand it. Mr. Bierman and Mr. Masten will avoid your calls you threaten to report them to the Better Business Bureau or some other government agency.
I was only employed with them for a month but within that short period of time they even refused to pay me for the work I've done. Please don't be taken in by their false sincerity. It is nothing more than a facade I assure you.

Because I had to take them to court to get my money back, I started researching the two of them and their business practices. I came across other former employees that had to take them to court for monies owed as well as former customers that were deceived by these two culprits. Here is what Ted had to say about them and their dealings:
David Masten scam?
From: avnke@aol.com You may not know this sender.Mark as safe|Mark as unsafe

Sent: Fri 2/29/08 3:54 PM
To: sevans911@hotmail.com
Scott,

Just found your contact information on a goggle search of "David Masten
Lawsuit". I had David broker a mortgage through "his" company, turns
out that he is just a manager for a bigger firm...that being Morgan
Funding which has twelve federal lawsuits against them now. I have done a whole lot of homework on the mortgage fraud he has committed & might still be involved in. All of that and this "optiscore" scam will hopefully put him behind bars. I have spoken to the bank and they
advised to go after David as most if not all of my documents were submitted with forged signatures. This is a big case and optiscore / optiscam is just a small part. They have set up & closed offices in
Las Vegas, New York & New Jersey...they are not getting far as I am trying to stay a few steps ahead.

I have found a few of his former workers who have agreed to testify against him, Todd Bierman and the whole crew. This might fall into the Southern District / US Federal Courts or the NJ District out in Newark. Just have to sit down with a US Attorney after I file the report with
the FBI in the NY office for Predatory Lending as well as Truth in Lending. Hope to do that this week coming up.

Hope to hear from you soon.

Ted

Please if you are in the midst of sending these guys any money, DON T. If you already have given them money, ask for it back. Any creditable company would always reimburse their unsatisfied or reluctant clients. Thank you.

Respectfully,
Scott
Glen Rock, New Jersey
U.S.A.
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This report was posted on Ripoff Report on 08/11/2008 09:24 AM and is a permanent record located here: http://www.ripoffreport.com/reports/opti-score/jersey-city-new-jersey/opti-score-david-masten-todd-bierman-opti-score-is-acutally-and-factually-opti-scam-jer-361543. 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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REBUTTALS & REPLIES:
0Author
3Consumer
1Employee/Owner

#1 UPDATE EX-employee responds

All of these reports on David and Todd are totally accurate, they are a scam

AUTHOR: Steven K - (U.S.A.)

Hi David Hi Todd remember me I was your credit expert and you had me close accounts for you with people who purchased your so called Opti-Score program. Ok now lets see, you cant say I was fired because I quit. You purchased leads from a friends company and you bounced a $100.00 check. Your Opti-Score is nothing other then Rapid Rescore done at any mortgage firm FOR FREE!!! Potential mortgage loan applicants and clients seeking help to reestablish credit are not supposed to be charged for this. I will say I did work for you and its a shame I wasn't there for the suit brought against David and Todd for salaries that they did not pay. I even advertised on the internet, invested my own money to get mortgage applicants for Todd and David. I was told any mortgage referral I bring in I would get 25% of the closing. When the mortgage closed I was told "you will get paid at the end of the month when the funds clear. I never saw a dime. Todd I do not like the fact that you would say an ex employee was fired over a drug arrest. As you know it is against the law for a firm to degrade an ex employee publicly and I will look into it to see if your response is a civil act. I worked for this company from Sept 9/06-12/06, 4 months and I think I received 2 checks for $400.00. Todd and David have another company "Communications Publishing", seems they are following the same old customer trends as they do with Opti-Score. Anyone who is doing business with these two fine scammers better think twice

Steven K
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#2 Author of original report

Opti-Score; I'm not going to feed into the,"He said, She said".

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

Everything I've stated regarding David Masten, Todd Bierman & Opti-Score is the truth. Although I have been arrested and convicted one time in the year 2000 for drug possession I am far from the criminal element. Also because I have never displayed or committed any theft, robbery, fraudulent behavior of any sort NJDOBI (New Jersey of Banking and Insurance), granted and approved of me for my license as a Mortgage Consultant.
If you are interested in the services that Opti-Score claims they provide email me @ sevans911@hotmail.com and I will refer you a more reputable company that you would never hear of any complaint from anyone, especially listed on a website like this. Although I am fully capable of deciphering a credit report to the extent of which creditors are doing the most harm to your personal fico score, I unfortunately do not have the time.
If I were a consumer and I read a complaint of a company from an individual I wouldn't take the word of that individual. However if that one person provided me with other people that have worked for that company and if that person also provided me with other consumers that have dealt with that company in that past, after following up with others I would look for other companies that provide the same service. AND THAT IS WHAT I SUGGEST YOU DO. Email me and I will give you contact information of other people that have worked for David Masten and & Todd Bierman that have gotten swindled out of money owed to them. Email me and I will also give contact info of past clients that paid but services were never rendered. Once again my email is sevans911@hotmail.com, my name is Scott Evans and I urge you to either go with another company, or if you decide to go with Opti-Score at least email me after they've taken your money so that you can help me warn others as well.
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#3 Author of original report

I don't have time for the "He said, She said".

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

Everything I've stated regarding David Masten, Todd Bierman & Opti-Score is the truth. It is also true that I have been arrested. Let's' get to the truth, the whole truth about everyone myself included. I was arrested and convicted one time in the year 2000 for drug possession. However I am far from the criminal element. Also because that single arrest did not involve fraudulent behavior, theft or robbery NJDOBI (New Jersey of Banking and Insurance), granted and approved my New Jersey license as a Mortgage Consultant.
If you are interested in the services that Opti-Score claim they provide email me @ sevans911@hotmail.com and I will either refer you a more reputable company that you will never hear of any complaint from anyone, especially listed on a website like this or do it for you myself(if I can find the time)!
If I were a consumer and I read a complaint of a company from an individual, I wouldn't take the word of one person. However if that one person provided me with other people that have worked for that company and if that person also provided me with other consumers that have been taken advantage of by that company in the past, after following up with others I would look for other companies that provide the same service. AND THAT IS WHAT I SUGGEST YOU DO. Email me and I will give you contact information of other people that have worked for David Masten and & Todd Bierman that have gotten swindled out of money owed to them. I will also give contact info of past clients that paid and services weren't rendered. Once again my email is sevans911@hotmail.com, my name is Scott Evans and I urge you to either go with another company, or if you decide to go with Opti-Score at least email me after they've taken your money so that you can help me warn others as well.
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#4 REBUTTAL Individual responds

Opti-Score is innocent, Scott Evans (Sevans) was fired for lying about his criminal Record

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

Scott Evan made up these stories after he was fired because he lied about having a felony on his application to work for our mortgage company. He is banned from that industry. He was with us for only part of the one month he claims, and so I wonder how he says that he saw a 'pattern' of clients being ill treated. He was in fact only on staff for 10 days at which point, his background check revealed his lie.

So you can see the inconsistency in his own work. He created his story of a pattern and then proved it was a lie by admitting he was gone in less than a month.

Second, his email of supposed evidence from 'Ted' doesn't exist, and is in violation of of Ripoff Reports Policy of all reporters having a physical or email address. When we fired him, he promised to do just the sort of thing. It appears that devious lying is his stock in trade. He even blackmailed us, saying if we didn't pay him commission on loans he had started working on (we can't under the law), he would do these things.

Both David Masten and I have been successful authors for over 20 years, and have no detractors except for this Scott Evans. I am sorry for him that his life is so disordered but can't submit to blackmail no matter what.

Todd Boer,am
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