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Report: #606709

Complaint Review: Ripoff Report | Modest Needs Foundation, Dr. Keith P. Taylor | Ripoff Report Verified™ …businesses you can trust. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. - New York New York

  • Submitted: Mon, May 24, 2010
  • Updated: Fri, January 12, 2018
  • Reported By: anonymous — wallington New Jersey United States of America
  • Modest Needs Foundation, Dr. Keith P. Taylor | Ripoff Report Verified™ …businesses you can trust. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report.
    115 E 30th St, FL 1
    New York, New York
    United States of America

Modest Needs Foundation REVIEW: COMMITTED TO HELPING PEOPLE: Modest Needs Foundation is committed to its mission, Dr. Keith P. Taylor Modest Needs Foundation implemented strategic changes to insure clients success, focusing on finding ways to help clients search for new opportunities effectively even in the sort of challenging economic climate we face today. New York NY
*UPDATE: Recognized by Rip-off Report Corporate Advocacy Program as a safe business service Modest Needs Foundation pledges to always resolve any issues, feel safe, confident & secure when working with or giving to Modest Needs Foundation.

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Rip-off Report REVIEW:

Editors UPDATE: Positive rating and recognition has been given to Modest Needs Foundation for its commitment to excellence in customer service.

Rip-off Reports discussions with Modest Needs Foundation have uncovered an ongoing commitment by the company to doing everything they can to help their clients and provide their donors with the best giving experience possible. This means that clients can expect that the organization will work towards finding a mutually satisfactory resolution to any issues or concerns their clients or donors may have. Modest Needs Foundation listens carefully to client concerns and sees them as an opportunity to become a better and more efficient charitable organization. [continued below]....


Modest Needs Foundation's President, Dr. Keith P. Taylor has informed Ripoff Report that his personal philosophy is that he is committed to doing everything he legally can to assist those clients who qualify to apply for assistance from Modest Needs and have accurately presented their situations to the organization/ As a successful social entrepreneur, Dr. Taylor feels it is critical to listen to the concerns of his applicants and respond properly. By always putting his the best interests of his legitimate applicants first, Dr. Taylor hopes to maintain Modest Needs Foundation as a successful and helpful resource for people in need of short-term emergency assistance both now and for many years to come.

Another top executive of the company told us that Dr. Taylor's personal philosophy is based on the premise that "small change makes a world of difference" and that Dr. Taylor practices this philosophy both in and out of the office. Modest Needs' mission statement says it all: "At Modest Needs, we work to prevent otherwise financially self-sufficeint individuals and families from entering the cycle of poverty, when this might be avoided with a small amount of well-timed financial assistance." Some of the other things Rip-off Report learned in the course of its investigation: typical customer feedback reads: God Bless You, Modest Needs, for helping us in our time of trial" and 'Thank you, Dr. Taylor, for proving that we all have the power to make a difference!"

Take a look at these stories featured about Modest Needs Foundation and the good work they do.

Modest Needs Foundation's Client Advocates have expressed that they not only love their jobs, they get a great deal of satisfaction out of helping Modest Needs' clients to find the help they need when no one else will listen. Forrest Mason, Director of Programs and no relation to Dr. Taylor, said "In all my years of working in the non-profit world, Modest Needs' Client Advocates are the most dedicated team of professionals I've ever seen. They stay late, work weekends, even holidays trying to find new and innovative ways to help our applicants. Dr. Taylor is such an inspiration to all of us. I've never seen anyone work so hard or so selflessly. He doesn't just 'talk the talk.' He 'walks the walk,' and I'm proud to work with him and the rest of our team doing what we do best every day: helping decent, hard-working people to make ends meet despite a short-term financial emergency."

Modest Needs Foundation recognizes that complaints posted on Rip-off Report (whether true or not) were generally posted by people who Modest Needs couldn't help and were angry, scared, or otherwise upset at the time that they posted, and that this fear sometimes leads people to mischaracterize their interaction with the organization. Modest Needs carefully investigates all complaints made by legitimate applicants who qualify to apply for one of our grants or by donors, and where they find that the issues found in a report have actually taken place, those issues are handled promptly by a senior staff member. With the feedback generated by Rip-off Reports Investigation Modest Needs Foundation has addressed all legitimate issues raised by any of its clients or donors and has reaffirmed its commitment to providing the best experience for donors and applicants of any non-profit operating today.

In summary, after our investigation, which included discussions with Dr. Keith P. Taylor and many of his past and current associates, Ripoff Report is convinced that Modest Needs Foundation is the best kind of charity, one where the people who work their believe in their mission and do everything they can to help others. We highly recommend Modest Needs Foundation to donors and applicants. If there is ever a problem, please email us about any member of our program. We dont expect a problem here.

Read more about why donors and applicants should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, its a long name for a program that does a lot for both consumers, businesses and non-profits alike.

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the clients, assures them of complete confidence when doing business with a member business or non-profit. this program works.


As a matter of policy, when a business or non-profit becomes a member of the Corporate Advocacy Program they agree to allow Rip-off Report to contact every person who filed a complaint so they can address any legitimate issues that people filed a complaint have raised. In order to confirm that the applicant's issue was resolved, Rip-off Report emailed the author of all the reports about Modest Needs Foundation, and one of the authors responded back with the following update: .. I was angry when I wrote that post about Modest Needs. I was scared and didn't know what I was going to do, but Modest Needs didn't deserve for me to write the report that I wrote here because I was scared. None of what I said about Modest Needs in that report was true. They bent over backwards to help me, and I feel bad for having said such bad things about an organization that reached out to me in kindness. I apologize for everything I wrote; Modest Needs is the best-run charity I've ever seen..

Several video testimonials of previous clients were taken and can be viewed online on YouTube at the following LINKS...

Take a look at these many other News stories featured about Modest Needs Foundation and the good work they do...

In November 2009, for the first time in its (then) seven year history, Modest Needs began charging a VERY SMALL and FULLY REFUNDABLE application fee to new applicants. Modest Needs didn't charge this fee to make money (that's why the fee was refundable.) It charged this fee of $7.50 because the President of Modest Needs believed that people who were not telling the truth about their situations would never pay even a small amount of money if they knew they risked giving up that fee if Modest Needs' employees discovered and could prove that the applicant had not told the truth about his or her situation. The President's view was that by keeping insincere people from clogging up Modest Needs' system by requesting help they knew they weren't qualified to request in the first place, Modest Needs could direct all of its resources and staff towards helping the people who LEGITIMATELY needed help from Modest Needs, and who were telling the truth about their situations.

.. Ultimately, Modest Needs Foundation determined that charging this refundable fee had been a mistake. The application fee didn't help in all the ways that we'd have liked and raised questions about why Modest Needs charged a fee to apply for help, even a small, fully refundable fee. So, after a short trial period and in response to feedback from our legitimate applicants and donors, Modest Needs discontinued the application fee policy and will never implement such a policy again..


EDitors NOTE:
This report was found to be false because Modest Needs did not request this person's social security number, did not run a credit check on this person, and did not take money from this person. Dr. Keith Taylor never sent the email attributed to him, and the testimonials on Modest Needs' website are authentic. There are over 9,000 of them in this link, all from people Modest Needs has helped, at The media interviews themselves at and this shows truthful, unrehearsed testimony... We all know, real testimony is hard to come by today and is usually not made up.



Modest Needs Foundation, Dr. Keith P. Taylor New York, New York

// Modest Needs Foundation is a scam charity organization. They charge 7.00 to take your application to find out that they won't fund your application, instead they send you an updated e-mail every day explaining this.

As far as the people who donate money to help these applications, they simply take your money.

It is based on a point system, while your application is in pre-limonary status Dr Keith Taylor opens his pockets and he gets rich!!

Also, they take your personal ID Social Social Security Nimber in the application process which I just recently saw they preformed a CREDIT CHECK on me! Without telling me! I have a handicapped child applying for assistance, what did they need with my credit?

I contacted the organization and DR Keith Taylor keeps writing me back with nasty e-mails saying, " You seem intelligent enough to understand that strangers won't take time to try to help you."

You ought to be ashamed of yourself Modest Needs Foundation for taking innocent people's money and keeping it for yourself!! Especially in this economy and time of need.

And all of those testimonials are made up on their website I checked them out to.

If you are a victim call them or e-mail them and demand your money back!




This report was posted on Ripoff Report on 05/24/2010 12:32 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 General Comment

The proof is in the pudding...

AUTHOR: meryn333 - (United States of America)

I am researching grants for a family member and this negative information has me in a state of flux.  The letter sent by Dr. Taylor is beautifully written and makes perfect sense.  He also supports all his claims with proof or policy.

On the contrary, the letter(s) written by consumers, both here and on other similar sites, have no proof of their charges.  It would seem simple to me that if you actually had one of these "nasty" emails, you could simply cut and paste it into your complaint, thus proving your claim with direct, indisputable evidence.

I am going to continue my research and I hope to come to a conclusion that may be of some assistance to my family member in need of help.  I would hate to place them in a hurtful situation when they are already going through so much pain.  I would like to think that there is no one in this world that would want to see that happen...
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#2 Consumer Comment

Are You Serous!

AUTHOR: litascott50 - (United States of America)

How did you even know about the ripoffreport except maybe someone told you to go on ripoff and try to make modest needs look good.I also have an email from keith is it was so negative so it makes me wonder why someone would be so argumentative when asking why theirapplication was not funded. The money is not coming out of his pocket but he reponds so viciously about it. you should see the email, or do you work for him?

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#3 Consumer Comment

Modest Needs gets an A+

AUTHOR: Rick Griffith - (United States of America)

I have not had anything but professionalism from Modest Needs. I must take issue with the author of of this complaint against Modest Needs. He or she states that the testimonials are not true, inferring that the world should believe the author because as she/he writes: "... I checked them out." Are readers to take your word for this? If I knew who you were and if I knew I could trust what you say as gospel, great, I'm all ears. Perhaps the writer's investigation of the testimonials was conducted prior to my posting a testimonial.

My testimonial was posted minutes after I learned that three individuals had stepped in to help my wife with a health insurance premium. It would not be difficult to figure out which one it is.... It is probably the longest testimonial they've ever received.

I cannot speak for others and their experiences with Modest Needs but I can tell you that I've spoken with Forrest Mason on several occasions. I found him to be every bit as professional as anyone I have ever done business with.

Further, Dr. Taylor replied personally to one of my queries about the online application process. I had sent this to him rather than the technical support contact. One does not often see the email address of the head of any organization listed for the benefit of the public at large.

I cannot speak to the $7.00 fee. I was not charged a fee to apply for assistance. I do wish the best for this writer and for his or her child. I am not saying here that this person is fabricating anything. I'm sure he or she believes what was written. All I am saying is that thus far, Modest Needs appears to be exactly what it portrays itself to be.

Sincerely, Rick Griffith, Oceanside, California

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#4 UPDATE Employee

The truth behind this 'Ripoff Report'

AUTHOR: Modest Needs Foundation - (United States of America)

I very rarely respond to posts like those that appear in forums like 'Ripoff Report,' as I'd rather spend as much of my time as possible helping people who genuinely need assistance.  However, as Modest Needs' founder, Modest Needs' reputation (and my personal reputation) is very important to me, and I simply can't allow these comments on Ripoff Report to go unanswered.

Given that I know the exact history of the applicant who filed this report (and the other similar report on RipOff Report), and because, for better or worse, people will read that comment), I've decided to respond to that post here, where it started, and publicly, as I think comments like these deserve to be addressed in a public forum.    

First of all, if you're considering applying for assistance from Modest Needs, you may rest assured that Modest Needs is *not* a scam.  We've been operating since 2002 and have, not only a spotless operational record, but an exemplary one.  We take great pride in the work that we do, and though it is not possible to help everyone who comes to us seeking some kind of assistance, all of us work, in most cases, 10 and 12 and 14 hour days - every day - finding ways to help as many people as possible who do request our assistance.

That said, for anyone who is interested, below are the details surrounding Modest Needs having appeared on 'Ripoff Report.'  

In late March or April of 2010, Modest Needs received an application for assistance from someone living in New Jersey who billed herself as the 'mother of a disabled child' asking for some assistance with rent, and explaining that she needed our help because she'd been forced to pay some unexpected, out-of-pocket expenses related to the care of her child.

As always, we performed due-diligence on this person's application, and made this individual's application available for 'donor review,' the point during our application process at which our donors are able to read, evaluate, and - if they wish - to 'vote' to fund an application with points they've earned through their contributions to Modest Needs.  

Because we receive many applications for assistance, this process takes some time but does give our donors a sense of direct input into which applications they'd most like to see funded - something I think we'd all agree is important.

In any case, in mid-May 2010, when the application of the person I've mentioned above had not yet been fully funded, she sent me an email essentially threatening to publish 'bad reviews' about Modest Needs in 'Ripoff Report,' 'Consumer Pissed,' and in any other forum she could think of if we did not immediately fund her application ahead of everyone else, no questions asked.  

Needless to say, we not only refused to do this, we determined that we could not properly assist someone who was willing to resort to extortion in order to have her way.  So, we closed this individual's application, returned the points that had been invested in it to the donors involved, and refunded the individual's application fee to her (more on that fee in a second). 

Two days later (on 28 May 2010, to be exact), and as promised, initial 'complaints' were posted about Modest Needs on Ripoff Report.  

The initial report - the one you're reading here - is not just the result of malice; it contains information that is blatantly libelous.  We do not ever, for example, perform credit checks on our applicants (we don't even collect information that would allow us to perform such a check); we don't collect our applicants' social security numbers; our testimonials are very real, and of course, the poster here neglects to mention that we refunded her application fee to her once we closed her application. 

I personally phoned this applicant to explain to her the significant ramifications to her of making a libelous post of this nature - a post that we could prove was libelous.  As a result, this applicant posted a 'modified' version of her fictitious 'Ripoff Report' on the same day, this time as 'Lisa' from PA.   If you compare the two reports, you'll see that they're basically the same; one just contains a great deal of specifically libelous information, and one is more general.  However, they are both from the same person.

Now, in the end, it turns out that for us - and for our donors - it was a good thing we disabled this applicant's request.  Further investigation turned up that she is, in fact, a career 'scam artist.'  She and her husband have swindled dozens of people out of tens of thousands of dollars running what are apparently 'fake employment' schemes in dozens of states and has, in fact, has many, many complaints posted against her - and her husband - in, of all places, Ripoff Report! (which is how she knew about this forum in the first place.)  

In fact, had the employee of Modest Needs who vetted this individual's application done so a little more carefully, that person would've noticed that much of the information we requested from this person to verify her situation had been forged (and badly forged, at that).  

For this and other reasons, that employee is no longer with us, and in all likelihood, since all applications undergo a final 'integrity check' before we actually write the check that funds the applicant's request, we'd have caught the attempted fraud anyway.  But the point here is that I think it's important for anyone who stumbles across this report to understand its context, who wrote it, and why.  

In short, neither this Ripoff Report nor its twin have any basis in actual fact.  It was written by a career scam artist who followed through on her threat to do anything she could to 'discredit' Modest Needs if we did not give in to her attempt to extort money from our donors and fund an application that, in the end, turned out to have been fraudulent in the first place.  It's just that simple.  

In closing, I'd like to make just one quick note about the application fee that we charge at Modest Needs, since the poster here has made much of this fee.

From Modest Needs' inception in 2002 until late 2009, Modest Needs didn't charge an application fee.  We allowed anyone who wanted to apply for our help to do so at absolutely no cost to them whatsoever and simply hoped that people who knew that they probably didn't qualify for the type of help that we offered (or who were trying to 'scam' Modest Needs' donors - we spend a lot of time weeding out 'scammers, as you might imagine) simply wouldn't apply when they realized they'd need to document what they'd told us about their applications.

This isn't how things turned out.  What happened instead is that, for the first seven years that Modest Needs existed, we received thousands and thousands of applications for assistance each month.  The vast majority of those applications came from people who either knew (or would've known, had they read our applications guidelines) that Modest Needs was not the right resource for them, or from people who flat out lied to us about their situations in an attempt to get a few extra bucks from kind, unsuspecting strangers.

What these folks didn't realize is that we still had to process all of these illegitimate applications - all of them - in order to get to the applications from people who did qualify for our help and were telling us the truth about their situations.  We had to hire people to do that application processing.  Hiring people to process that many applications costs a great deal of money, and even though our costs are paid by grant money (our donors don't pay for Modest Needs' operational expenses), it became clear that we had to do something to prevent persons who probably didn't qualify for our assistance (or who were attempting to 'scam' Modest Needs) from applying in the first place.

With this goal in mind, in late 2009, we began charging a REFUNDABLE application fee of $7.50.  We charge this fee a) because we want to make sure that the people who are coming to us for help are 'invested' in their application enough to provide us with the documentation we request from them in a timely fashion (we can't help them without that information); and b) because we know that people who are attempting to 'scam' Modest Needs won't pay it (this has virtually eliminated fraudulent applications from our system).

I should stress here that Modest Needs' application fee is fully refundable to the applicant under almost all circumstances.  If we can assist an applicant, we return that fee in 'points' the individual can use to assist someone else.  If we cannot assist an individual, we simply refund $7.00 of the $7.50 fee directly to that person in cash (it costs us $0.50 to process the application fee).  

The application is NOT refundable under only one circumstance:  we do not refund the application fee that persons pay to us when we discover that a person has attempted to defraud Modest Needs by, say, providing fraudulent documentation to us.  By not refunding the application fee under these circumstances, we hope to discourage persons who actually are looking to run a 'scam' on our donors from applying for assistance from Modest Needs in the first place, and from wasting the time we'd rather spend working with people who legitimately need our help.

For example, had we realized that the applicant who originally posted a 'review' of Modest Needs here had provided us with fraudulent documentation, when I received the initial letter from her attempting to extort money from Modest Needs, I would not only have disabled her application; I wouldn't have refunded the application fee to her.  But again, this is the only situation in which the application fee is not refundable to our applicants - even the ones we can't help.

But it's important to understand that at Modest Needs, we don't charge this fee to make money.  We don't need to.  For years, all of our costs - including salaries - have been paid by major grant-makers, so we don't need to charge an application fee in order to increase revenue.  We reluctantly charge this fee primarily because, 99.9% of the time, it keeps the scammers out of our hair and allows us to focus our limited time and energy on the people who really do need (and qualify for) our help.  And one way or the other, unless an applicant absolutely lies to us during the application process, when the application process is complete, one way or the other, we return $7.00 of this fee to the applicant.

I realize this has been a long post, but I thought it was very important to respond to the issues raised in this "Ripoff Report' both thoroughly and publicly.  I appreciate your taking the time to read this post and in closing would simply like to say that if you've applied for assistance from Modest Needs and feel that you were not treated fairly, or if you have questions about the issues (non-issues, really) that have been raised here, you don't need to resort to posting a note at Ripoff Report.  

Rather, you can go straight to the source and write to me personally.  Because publishing email addresses in this forum is prohibited, I will simply tell you that if you'd like to contact me, you can find my personal email address on the 'Contact Us' page of Modest Needs.  

Unfortunately, I cannot promise that we'll be able to help everyone who requests assistance from Modest Needs - we couldn't do this with a trillion dollar budget - but I can make sure that if your application is handled fairly, appropriately, and with the personal care that has always been a hallmark of our work at Modest Needs.

Again, many thanks for reading this post, and have a wonderful day!

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#5 Author of original report

Modest Needs Foundation Update

AUTHOR: anonymous - (USA)

I have met some other people who were victims of this scam.. Some people are working together trying to take legal action against this company. Anyone who were victims of this company voice your opinion and legal rights. I will update when I find out more information. Also, check out consumer pissed.. A lot of people are coming out that were victims.
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#6 Author of original report

Modest Needs Foundation, Dr Keith P Taylor

AUTHOR: anonymous - (USA)

Modest Needs Foundation is a scam charity organization. They charge 7.00 to take your application to find out they won't fund your application, instead they send you an updated e-mail every day explaining that you have a certain amount of days and your application expires with all the donor's Money!

It is based on a point system, while your application stays on pre-limonary status seems like Dr. Keith Taylor opens his pockets and gets rich!

I contacted the organization and Keith Taylor keeps writing me back nasty e-mails trying to defend his sleazy organization.

I think all the testimonials are bogus to!

If you are a victim call them or e-mail and DEMAND your money back!

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