Luis Cruz, Ric Brignole and Jamey Kolka Elite Marketing and Investments LLC , Top Wealth International LLC, W & G Processing LLC, Graffiti Orlando LLC, Kcb, LLC, Graffiti LLC, Homes LLC, Brig LLC, KCB2 LLC, WARNING!!!!!! Luis Cruz, Ric Brignole and Jamey Kolka (Elite Marketing and Investments LLC) Ponzi Scheme And Failure To Pay Investors Orlando, Florida

He presented an investment opportunity and has taken loans out under my name -claimed the funds and has never paid the lenders nor me back over 300k.  He has broken several laws acting as a financial advisor with no license, identity theft, money laundering the list goes on.  Creating new businesses evry year and then filing bankruptcy and has liens on his name.  It will catch up to you soon!  

Pam, I believe it is a different Elite Marketing as the one in this post has been dissolved and non-operational in at least 3 years. I did a scan on Sunbiz and saw some other Elite's which are still active and could possibly be connected to the cruise-line scam you are trying to squash. Hope that helps, and good luck.

The Caribbean Cruise Line (CCL) is also scamming people...please tell us what roll CCL played in this. 

See www.thecaribbeancruisescam.com

I would like to respond to the disparaging remarks brought about me in this report. Although Ripoff Report is hardly a credible resource (fact checking is not a company policy) it can cause harm and defamation to one's name. Therefore, rather than ignoring this report any longer, as I am confident I know who wrote it simply out of anger and not veracity, I must respond to it. Simply put I would like to set the record straight. 

Although I am not a managing member of Elite Marketing and Investments, nor at any point did I have control over any bank accounts nor client's funds, I did represent the company when corresponding with clients. I still have the same email, phone number and live in the same city as to when this mess with Assured Capital began, so suffice to say I have made myself more than available to anyone who would like to contact me. 

I have met with authorities, turned over all of my correspondence with Assured (as has Elite) and I have been cleared of any wrongdoing or civil or criminal mischief. On the contrary, on my own volition I have made contact with the authorities so that those who victimized clients of Elite and victimized me are brought to justice. 

When Assured Capital began refusing to pay Elite and the investors Elite introduced to them, Elite did not delay in having attorneys send demand letters to document and hold them accountable for the funds that were both owed and promised to Elite and aforementioned investors. I am happy to provide this correspondence if need be to validate this claim. A lot of sleepless nights were spent assuming that Assured would eventually reimburse both Elite and the investors. Documentation was provided to Elite showing funds and countless promises were made everything would be made whole. 

Unfortunately this never occurred. The excuses given were not fabricated by Elite, rather they were provided by Assured and then repeated to the investors. With the documentation given Elite from Assured, and the different individuals that seemed to be credible, including attorney paymasters, managers of escrow accounts and others, it was fully believed that the delinquent funds would be returned in full. Therefore the time-lines and promises were repeated as told to Elite. 

I have since come to find out, after meeting with law enforcement, that many of these documents were both fabricated and fraudulent. I was duped like everyone else and it is a sickening feeling. With many ponzi schemes and pyramid schemes and scams, individuals used as "front men" are paid directly from investor funds before they are ever invested (or imagined to be invested). This is not the case with Elite nor is it the case of myself. I also never bought a home nor a car during this period. I did, however, lose almost everything because of this scam and have had to rebuild my life from scratch. 

A ponzi scheme is very damaging to one both financially and mentally. It has made me skeptical of any so-called good investment at this time and given me such enmity for the criminals who purport these types of acts. Anyone who did business with Elite and lost money to Assured is urged to come forward and I will direct them to the authorities handling the case against Assured. We have already done this with any past clients who have requested such. 

If there are more questions I will respond in any manner necessary. I apologize for a lack of communication in the past. Some of this was due to intimidation tactics, which were used to make us think that speaking more openly of the matters would make it more difficult for everyone to be paid back. Once again, that is also another classic example of the types of tactics used by scam artists. Please do not think that I have not been working behind the scenes to bring the criminals in this matter to justice. Once again, I am happy to share any information I have that could benefit anyone who like me was duped in this mess. 

I read this report thinking how much I will have to correct knowing how some people miss state facts.
I must say that being an investor that got taken of Thousands and Thousands of dollars  by  Ric Brignole and Jamey Kolka the article in my opinion is pretty much the way it happened. 
Anybody thinking of or doing business with Jamey Kolka or Ric Brignole should read the postings about Assured Capital. Jamey Kolka and Ric Brignole were one of there front men.