Report: #1463636

Complaint Review: Ray Reynolds Survived - CA

  • Submitted:
  • Updated:
  • Reported By: Michele — Silver Spring United States

Ray Reynolds Survived The Giving Days Foundation My Credit Score Watcher Took $1200 and didn't raise my credit score or provide new line of credit CA

*General Comment: It will never happen....

*Consumer Comment: It is simple

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I purchased a package from Ray Reynolds Survived/The Giving Days Foundation/My Credit Score Watcher for: Credit Repair, Raise my credit score above 700, and acquire me a credit line in the amount of $25,000 in the form of credit card/s. I paid them $1200 to get me a $25K credit line.  They said they will be able to provide the credit line within 6 months.  Its been over a year since I paid them. I first paid them $500 September 2017 and then $700 by bank wire Dec. 1, 2017.  They ordered all credit reports from the 3 credit bureaus. Then they said they're disputing negative items on my reports. I asked them about the outstanding accounts in collections and they told me I don't need to worry about that. They told me not to apply for new credit and get inquires on my credit report so I followed their instructions and have not applied for new credit. Then they told me I need to get a secured Open Sky credit card so I did that in February 2018. Then they told me that they need to see 3 months of ontime pymts on the Open Sky card and they'll apply for my $25k credit card. After 3 months of ontime pymts then they said I need to have 3 open lines of credit. They said they'll apply for the other two lines of credit (starter cards) but before they do that I need to keep the Open Sky balance at 30% of the limit. I did that the next month.

Then they said I need to pay off all my accounts in collections listed on my credit report. I told them they knew about the accounts in collections when I first signed up for their services and Monica said I do not need to pay them. More than 2 times during the last 3 months I asked them for a refund over the phone and via email, and they told me they're not giving me a refund because they're working on getting my credit line. I've tried to speak to a manager and that person Ruby (claiming to be the manager) was rude and hung the phone up on me. I don't think they have a manager I think they're a scam. I referred my friend to Ray Reynolds when I first hired them and my friend said they didn't provide her services either. Instead they tried to get more money from Lauren to increase a credit line they were supposed to acquire for her.

My credit score is below 600 and they haven't gotten me 1 credit card (or credit line). I just want my $1200 back and I don't want this to happen to anyone else.  Ray Reynolds is a fraud and a scam. Ray Reynolds has my personal information such as social security number, address, date of birth, and photocopy of my state ID.  I'm scared that they will misuse my information for identity theft because they are criminals. They refused to give me a refund because they have fraudulent business practices. In addition, I will be writing the congressman in their district alerting other government oversight committees of this scam so other decent Americans will not be taken advantage of.   I'm also filing a complaint with the better business bureau AND ICE. Every time I contacted Ray Reynolds Survived/The Giving Days Foundation/My Credit Score Watcher all the people I've spoken with on the phone have Hispanic accents and they don't know each other last names. Monica's email says her last name is Perez but I don't know what to believe from these people. Then they claim the Giving Days Foundation is a non-profit that helps veterans with the money they collect from credit repair. RAY REYNOLDS & GIVING DAYS FOUNDATION MUST BE STOPPED!!!

This report was posted on Ripoff Report on 10/05/2018 10:51 AM and is a permanent record located here: https://www.ripoffreport.com/reports/ray-reynolds-survived/ca/ray-reynolds-survived-the-giving-days-foundationmy-credit-score-watcher-took-1200-and-1463636. 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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#2 General Comment

It will never happen....

AUTHOR: John - (United States)

POSTED: Sunday, October 27, 2019

 Good advice given, but it will not be taken. Here's why: The kind of person who will skip out on credit payments and then complain that they can't continue to rip off creditors isn't interested in calling the creditors and arranging a payment schedule that includes years of faithful payments, living within a certain, reasonable means, and doing without until that credit is repaired because that means putting off buying more stuff for a long time while the old stuff is being paid for. Given the choice of paying out $5000 over the course of five years to three creditors, living on a tight budget all that time but having the five years end with a good credit score OR handing some "Quick Credit Repair" scammer $1000 to take a short cut, the idiot with a bad credit rating will go for Option #2 every single time. And then come here down $1000 to complain about how unfair it all is. People want stuff, and they want it now. Some will never admit that they are the architect of their own problems, and will always prefer looking for a magic Do-Over than in cleaning up their own mess in a legal, but slow and painful, way. Unfortunately these people also tend to have children to pass the damaging No Responsibility Ideology on to, so we are going to see reports like this for decades to come.

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#1 Consumer Comment

It is simple

AUTHOR: Chaiya - (United States)

POSTED: Friday, October 05, 2018

The "free" way to get your credit score up is to pay off any outstanding debt. You need to negotiate with creditors, not the debt collectors. Most of them would be willing to negotiate because they would get some money back.

There is NO MAGIC to cure your credit. If you expect to pay some money to someone/people to help you, you simply waste your money. What these people do is the same as consultants -- give advise of how to deal with your own bad habits. They can't simply eliminate your mistake from the history. They may be willing to negotiate your debt with the creditors, but you could do that yourself. If they aren't successful in negotiations, then you still have to pay the whole amount still.

Just a suggestion to any who wants to improve their credit score -- pay your creditors instead of any companies/organizations that promise to get credit score up. Those companies/organizations are there to make money, and they aren't charity.

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