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Report: #1321380

Complaint Review: ECS Extreme Credit Solutions - Fort Worth Texas

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  • Reported By: Dummy — Michigan USA
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  • ECS Extreme Credit Solutions Fort Worth, Texas USA

ECS Extreme Credit Solutions Billy Matthews, Garry Ragsdale FRAUD -Will take your money and NOT deliver and won't return calls or emails. Fort Worth Texas

*REBUTTAL Owner of company: Ridiculous

*REBUTTAL Owner of company: Tony G

*Author of original report: Contradiction

*UPDATE Employee: Tony G

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This started several years when I sent Billy Matthews and Garry Ragsdale over $8000 to clean some credit files. Months and months went past and not 1 file was ever cleaned. Some files they never even started. Billy refused my calls and the few times he did answer he was with his boys (sons) at a game, or practice or whatever.  (see ripoff report 2013)

This April I received a bulk email blast from Billy saying his credit sweeps were working. I emailed him and he said all files would be cleaned of negative items in 3-4 weeks, promised that some would be clean in 2 weeks. Claimed this system was working since March of last year with no problems at all with any type of accounts. I have the emails to prove it.

I sent them another $6000+ in April 16' and still don't have a single file complete. There is 1 file that I don't have a complaint on because it only had 2 negaive items and was already in the 700's and they were deleted from 2 bureaus with 1 still remaining on Equifax. He will brag about that in his rebuttal. Several files still have many negatives and public records, a couple of files only 2 items removed and a couple he hasn't even touched, not a single item deleted. Not even 15% of the negative have been deleted in 4 months!!  Also, he claimed he can clean and leave the line....total bs! 

I flew out there to meet them in April 16' in which Billy claimed he had  a few bankers with some funding resources..Yeah right, he couldn't even get anyone on the phone. I knew from that meeting that I was going to have issues with my credit files, and sure enough had I met these guys IN PERSON  BEFORE I sent that money I WOULD NOT HAVE EVER SENT IT!. I changed my flght to accommodate Billy's schedule with his "boys" (sons) only to fly out there and be told after 1 hour he had to go see about his boys but would return later. He LEFT ME HANGING! He didn't even answer half of the questions we were supposed to discuss! Nothing! I changed my morning flight to the afternoon and he still didn't meet with me! Another story about his boys!

Billy hasn't returned my calls or emals since June, but I notice he's posting away on craigslist looking for more victims.

Au's what a joke, that's not funny at all. I ordered 2 lines one 10years and 1 6years, he posted a "1 year" and said oh, that one has a higher limit than the one you ordered. 1 year!! And that took a month longer than promised. The second line never posted after 2 cycles then he comes with here do a hard pull to link it.  I don't have means to do a hard pull and I told them I never order a line that needs a hard pull. He promised to link it at the beginning of June, then the middle of June, which never happened. and of course it showed terminated (closed) after 30 dyas while we were still waiting on the correct au that was ordered and second. Nothing but broken promises.  Then Garry got involved with this condescending tone that I should be grateful that I got anything. Mind you, this is after Billy confirmed that the line was inputed in April, then bs stories from there on. 

They don't feel bad about making false promises- FRAUD what so ever! No scruples. 

I filed a rip off report back in 2013. I was EXTREMEly Dumb to go back, I used the dumb rationale that they were still around after all this time, maybe they had a system that worked now. NOT!

I called 4 attorneys there in Fort Worth to file suit because Chase quick pay will not get involved with refunds that you give authorization for ACH withdrawals. 

 

LEARN FROM ME AND RUN THE OTHER WAY

 

Dummy

 

 

 

 

 

This report was posted on Ripoff Report on 08/08/2016 03:07 PM and is a permanent record located here: https://www.ripoffreport.com/reports/ecs-extreme-credit-solutions/fort-worth-texas/ecs-extreme-credit-solutions-billy-matthews-garry-ragsdale-fraud-will-take-your-money-a-1321380. 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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Updates & Rebuttals

REBUTTALS & REPLIES:
1Author
1Consumer
2Employee/Owner

#4 REBUTTAL Owner of company

Ridiculous

AUTHOR: Tony - (United States of America)

POSTED: Friday, September 30, 2016

Billy, you keep saying the "files were done". Done signifies complete. NOT A SINGLE IS DONE/COMPLETE!

Client with the first initial B has NEVER been started even until today. I spoke with your credit gu whom attests that you sent the file but said the client didn't sent the money so don't process it. THAT'S A LIE! I sent you the funds on May 10th and I have the receipt to prove it. You kept the money and never sent it to the credit guy!!

AU- I ordered and paid for 2 lines- a 15k/10 year old line, you put on a 20k/1 year. That's not better. This is of course after you already told me that the client was added to the requested line. You said it would update to 6 years history which was nothing more than bs. Another Lie! Second line never posted, you claim added some other line but it needed to be linked. I advised you I never order a line that needs to be linked. You promised to link the line on several occassions (I have the email and texts) but that never happened, likely because there was never a line added.

Promise- You did promise to clean the credit files in 30-45 days. You called it a sweep. You claimed you clean dozens of files per week and it was working since last February. Another lie!

Communication- Your last communication prior to your rebuttal on here was July 7th. you finally answered the phone but indicated you were addressing a medical issue with your son but you'd call me the next day. HAVEN'T HEARD FROM YOU SINCE UNTIL THIS MONTH WHEN YOU GAVE ME YOUR CREDIT GUYS NUMBER. NOT A SINGLE TEXT OR REPLY FOR OVER 2 MONTHS. Even though I've sent you file names that still have 5-10 negative items or never even touched.

Speaking of your credit guy...I spoke to him ONCE! THAT was my first call to him, 3 weeks ago. When he promised to address the files in question. He hasn't answered my calls since, nor has any of the files been touched!!

I care about my clients and am very passionate about helping people. I have a real office and have been in business here for over 9 years, and in the industry for over 16 years.

My objective is not so much to hurt your business, but to give people warning of how you do business by perpetually taking money by making false promises. Look up the definition of FRAUD!

October is here, 5-6 months and these files still arent done. Some only 2 items removed. 

I won't waste any more time replying on here. This is ridiculous.

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#3 REBUTTAL Owner of company

Tony G

AUTHOR: bmatthews - (United States of America)

POSTED: Thursday, September 08, 2016

Tony again you may contact any of my family and friends it will do you NO GOOD.  So please do what you wish and you talk about contridiction read your first statement.  You said we took your money and did nothing on your files with the exception of one file.  WE STOLE YOUR MONEY.   Then you come back and say ok we did work on some files but there were still items left.  Which is it?????  As far as trades anyone reading this in the trade business knows that you have to link  the address on some lines which you were provided that address to link the lines.  YOU sir failed to do so.  This is your responsibility to link you own lines.  Furthermore you were told in PERSON in our meeting that WE send out the files to be cleaned to our guy.  You were told that upfront.  You 100% knew that.  Which we do now and will continue to do so.  And if you read our agreement we DO NOT guarantee the removal of any items,  that sir would be illegal.  But do the files get cleaned.  Yes sir they do.   But regardless you are now in contact with Tyrone.  Here is a copy of our service agreement and I will be attatching copies of your before and afters of your files with there before scores and after scores.  I will white out the last name and last 4 on social.  However it is funny how you dont want those up per your last statement because you 100% know those files are 10 times better than when they came in.

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#2 Author of original report

Contradiction

AUTHOR: - ()

POSTED: Thursday, September 08, 2016

Billy, I can't believe you even replied to this. You know everything I've stated is true. First of all you contradicted yourself by saying that the files "were done",  later you stated that he's working on the files until completion. That's ridiculous. Second I have your email claiming the files would be done in 3 weeks and  that no file ever takes over 30-45 days. Third, I paid for 2 authorized user tradelines in which the 1 never posted and the 2nd one was 20k but only with 1 year history, in which I ordered 15k with 6 years history. I made it very clear that history was important. So no response to the fact that I paid for 2 lines and you only posted 1 that I didn't order. Fourth, I said in my report that you would brag about the 1 account in which was already in the 700's that now over 800 -that only had 2 items and 1 of the 2 items are still on Equifax and Transunion.  There's no need to show any portion of my clients social, thats very reckless and unprofessional.  There are files still with public records, or that only 2 items have been removed since April with 7 remaining. Reply to the fact that you never sent money over to pay for a file that I sent you 5 months ago. You just kept the money and the file was never started!!!! Upload your messages that you've sent me since June, there are none! You replied yesterday only after I contacted your family, friends and neighbors to tell them what a crook you are. No messages or texts prior for 3 months.

You can try to sugar coat your deceptive conduct all you want, but you committed fraud. You knew you were making promises you couldn't keep. You lied and said you were cleaning the files yourself, and that you had been working so hard on them, more lies! You kept money that was supposed to be forwarded to the proper people for either the credit repair or the tradelines and you kept/stole it, then ignored my calls and emails for months. 

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#1 UPDATE Employee

Tony G

AUTHOR: bmatthews - (United States of America)

POSTED: Thursday, September 08, 2016

Tony,  Your files were done,  You got better trade lines than what you ordered.  You ordered a 10k line and received a 20k line in its place.  Its common practice that if we do not have the line ordered we replace it with a BETTER line which we did and will do.  Tyrone does our credit files.  Hes a very good person and has been in this business many many years.  He has done a good job on your files and will continue to complete them.  We got you in contact with him.  Im confident he will do a good job on them.  We never guarantee the removal of items but 100% improve the  file from were they were.  I will white out copies of the befores and afters on these file in question.  I will remove the last name and last 4 of social.  I will load them here,  I cant stand people putting this nonsense on line about good people.  Some of your files went over 800 scores and some went from the low 6s to the high 7s.  There are many companies out here that come and go.  Were not that company we will take the bad with the good and do our very beat to put clients in the best position possible which is normally a ton better than when we got them.  Thank you again for the business and hopefully this will get resolved.

 

God Bless

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