American Credit Debt Solutions Laura Fallik Director of Operations (Scams) $500 Commitment Fee, Double your Money, Back Pay by Credit Card SCAM New York New York

First I would like to say I am sorry to hear your story and I hope that you recovered your losses. I am a victim too. I will never let it go. Check my ripoff report #1423848.

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When I did a full research about them I found out that they have been doing that and scamming people for years. It seems every 2-3 years they come up with a new business name and open a new business bank account and then scam people out of their money and when they reach the apex point they file for bankruptcy. Old businesses I found those scammers have used to scam and steal money from people are:

-        Spectrum Funding Solutions. Ripoff Report #: 1248846 dated: 8/16/2015.

-        American Eagle Credit Solutions. Complaints Board Report # 475556 dated 7/8/2011.

-        Ray Azcui Loan Officer. Ripoff Report #: 579181 dated 3/7/2010.

-        American Credit Debt Solutions. Ripoff Report #: 1257727 dated 9/28/2015. And Ripoff Report #: 1395025 dated 8/23/2017.

 Hello my name is Daphne and I too was scammed by these crooks. I'm already taking steps in filing a lawsuit against them. I'd like to hit these crooks harder by gathering a few unsuspected victims of these scam artist to file a class action lawsuit. If you're interested in collaborating with me to take these crooks down. Please don't hesitate to reach out to me with your contact info.

Regardless what the author writes he was not on the application, and he is not a client either. We have contacted the client who stated that he is patient and appreciates we have been in contact with him and kept him up to date. We are working on another service with the client, and he agreed to provide a testimonial letter once funded. 

It was my money my ex partner put up, so I know exactly what was going on.  Laura would never answer the phone, always out of the office without her phone????  My ex partner could not file a dispute through PayPal because he was involved in a dispute with me over a bigger scam on his part.  He owes me money, if Laura would have come through, I would be paid.What is the big hold up on her part? What do theyh have to work through.  No Credit Check and private money, she makes $4500 at closing, why aren't they closing????  This is a scam just like the other guy says.  Ask to talk to Ray, it'll never happen.  Nothing but BS to get your commitment fee of $500.  Yes you get a phoney promissary note so she get to keep the $500.  Well thought out scam! 

First and foremost, the person filing this complaint is NOT even a client of our company nor did he pay our company any money or fees whatsoever. His ex-partner is our client, and the complainant had no right to file any complaints as he is not involved or has no part in the loan or the service we are providing our client. We have been in constant contact with the client both via telephone and emails, and he agreed to be patient as we work through our issue. We have been contacting the client and we have kept him up to date regarding his business funding. Our client informed the President of the company that he broke ties with this individual, and they are no longer partners. Our client further stated that he did not ask this individual nor gave him permission to file this false allegation. 

Our client is working with us, and we offer the client an additional service at no extra cost to offset the inconvenience that the delay caused him. We work directly with clients and not someone not has no involvement in the service we are providing. We went far and beyond to make the client happy and meet his satisfaction of our service.  We offer the client a Double Money Back Guarantee that we stand by and the client has not asked for the refund instead he is working with us to be served and funded. Why would we offer a Double Money Back Guarantee if we could not serve the client? It makes no sense to scam someone as the author of this complaint implied with a written Money Back Guarantee. We are not in the business of giving a double money back as it is a lost to us, but we offer it to protect our clients. 

Our conversations and emails with our client made it crystal clear that the author of this false allegation is not even in business with our client who cut ties with him and ended their business relationship. This individual took it upon himself to make a false complaint when he has absolutely nothing to do with the service we are providing our client. The complainant was not even aware of the conversations between our client and us. 

It is a real shame that someone can file a complaint with no proof to backed up and especially who had absolutely nothing to do with the service.  There is always two sides to the coin but someone who has nothing to do with the service and paid no money had no business filing this complaint. Furthermore, Ray Azcui is a NOT fictitious figure but a real person. Our service is not a scam!   

Laura Fallick, Director of Operations