The Attorney General's Office alleged that XXXXXX and her companies, using the name XXXXX Credit Services, failed to comply with state and federal laws designed to protect consumers from unfair practices in the credit repair industry by unlawfully charging advance fees, failing to make required disclosures to consumers, making false statements to the credit bureaus in relation to consumers' credit histories, and sending letters in which the company signed the consumers' names without the consumers' knowledge. Under the settlement agreement, XXXX and companies are prohibited from offering credit repair services in Massachusetts. The defendants are also required to pay $25,000 under the settlement, which will be allocated to the Attorney General's Local Consumer Program, a statewide network of local consumer assistance organizations that offer information and assistance in resolving consumer complaints.
Allied Credit of Plano Texas and Dee Hoff
See links below:
It took us a while and many phone calls to track down con woman Dee Hoff if that is her real name. Her previous CREDIT CLEANUP employer said " I fired her because she was cashing customer checks, taking and keeping cash and trying to do business on the side". " She is a crook, twisted, a drama queen and I am still getting phone calls." " She tried to get me in trouble when confronted, dangerous woman tactics".
Yes, this is who Allied Credit of Plano, Texas hired and when interviewing their sales people as always it was the same story..That the company was Bonded, Licensed and Insured however none of the above is true as the sales agent did not know the name of the Company they were bonded thru and the owner of the Company made up the name of a bonding Company that did not exist at least on Google. Where is it????? Dated.... EXPIRED..Were they really giving out their real names,Doubt it. Nevada Coroprations or Out of State?and more Ridiculous seals stamped on website..?????? A Affilliate law firm.... Hired to protect who????? Them from your future lawsuit to recover your money.
These people will just take your Hard Earned Money up front in addition to bilking from you Monthly Auto Withdrawals from your bank to pay for their BMW's and Pay Rent in their hustle. You would be best served to purchase a credit repair kit and do all yourself for $29.95.00 less sometimes pay over a $1000.00 paid to include up front fees for marginal credit report clean up results. Do not get burned like we did with Dee Ho ff and her two bit hustle.
Most of these carney salespeople tell grandiose stories of credit report re-scoring or clean ups.. Just STORIES . Did you see the 60 Minutes Report on Credit Repair Companies
BEWARE of credit services businesses ("CSBs"), often referred to as credit repair businesses that make promises they cannot deliver. Don't believe advertisements that make false claims, such as:
"We can erase your bad credit - no problem!"
"Create a new credit identity - legally."
"We can remove bankruptcies, judgments, liens, and bad loans from your credit reports forever!"
Every day CSBs target consumers with troubled credit. These companies promise to clean up consumer credit reports to help consumers obtain credit, insurance, and employment. CSBs require consumers to pay significant fees, often in advance, for promised services. The fact is, however, no one can remove accurate information from your credit report, even if it is negative. Don't be taken in by false advertising.
PAY No Up-Front Fees: Under the Act, a CSB may not charge or receive any money or other valuable consideration prior to full and complete performance of the services that the CSB has agreed to perform on your behalf.
Must Be Licensed: Any individual or company offering credit repair services as described in the Act must be licensed by the Commissioner of Financial Regulation ("Commissioner").
Written Contract Required: A CSB must enter into a written contract with you. Among other provisions, the contract must include a detailed description of the services to be performed and the results to be achieved by the CSB. ASK for a Copy of the License Bond Insurance..Satisfied verifiable customers.
Written Disclosures Required: A CSB must provide you with a written information statement before entering into a contract, or receiving money or other valuable consideration from you. The information statement must include the following statements among other important information:
Your right to review any file maintained about you by any consumer reporting agency ("CRA"), and your right to receive a copy of your consumer report containing all information in the file as provided by the federal Fair Credit Reporting Act ("FCRA");
Your right to a free copy, from the CRA, of your consumer report containing all information in your file, if requested by you within 30 days of receiving notice of a denial of credit as provided under the FCRA;
A nominal charge not to exceed $5 may be imposed on you by the CRA for a copy of the consumer report containing all information in your file, if you have not been denied credit within 30 days from receipt of your request; and
Your right to dispute the completeness or accuracy of any item on you contained in any file that is maintained by any CRA, as provided under the FCRA.
Right of Rescission: You have the right to cancel a contract with a CSB any time prior to midnight of the third business day after the date of the transaction.
Other Important Provisions of the Act:
A CSB may not create, or assist you in creating a new credit identity by obtaining and using a different name, address, telephone number, Social Security Number, or employer tax identification number.
A CSB may not make, assist, or advise you to make, any statement or other representation that is false or misleading to a consumer reporting agency, government agency, or person to whom you apply or intend to apply for an extension of credit, regarding your creditworthiness, credit standing, credit capacity, or true identity.
A CSB may not make or use any false or misleading representations in the offer of services to you.
Penalties for Violation
Anyone violating the Act may be subject to significant administrative, civil and criminal penalties, including fines up to $5,000 or imprisonment up to 3 years, or both, plus possible additional civil penalties.
Use Care if Choosing a CSB
If you choose to do business with a CSB, make sure that the company is licensed and in compliance with the law. Additionally:
Avoid any CSB that advises you not to contact a credit reporting company directly.
Avoid any CSB that advises you to dispute all of the information in your credit report (regardless of its accuracy or timeliness); and/or
Does not inform you of your legal rights and what you can do for yourself free of charge
Allied Credit Solutions - Owner's Response to Allegations
My name is Aaron Faubion and I am the President/CEO and founder of Allied Credit Solutions, LLC (“Allied”). I was recently advised of this publication posted here on this website (www.scamorg.com) which makes allegations against my company Allied Credit Solutions, LLC that are entirely false and without any merit and is completely basis.
To address these items in turn:
The post discusses allegations from the attorney general’s office (it is unclear which state’s AG) and that “XXXXX” company was required to pay a fine in Massachusetts for various violations. This is NOT Allied, but yet another company, which can be shown in the following link: http://www.mass.gov/ago/news-and-updates/press-releases/2010/texas-based-credit-repair-company-to-stop.html. By this person posting this under our company name "Allied", the posting person has attempted to allude that these acts were committed by Allied, which is a COMPLETE FALSEHOOD, and is corporate disparagement.
Further, the post references an interview with a former employer of Dee Huff "Hoff". Ms. Huff worked for a brief period for Allied (less than a months time) and only in the capacity of an independent contractor. By this person posting these allegations against Ms. Huff under Allied’s name, this creates the belief that Ms. Huff and Allied are one in the same, which is a complete falsehood and again amounts to corporate disparagement. Ms. Huff is in no way affiliated with or employed by Allied.
Moreover, the post states that Allied does not have the required surety bond, that the surety proffered to the poster was fictitious and that Allied is an out of state company. First, Allied has, from inception, maintained the required active bonding requirements with no lapse in coverage. This can be evidenced by clicking on the following link (https://direct.sos.state.tx.us/cso/CSOSearch.asp) and typing in “Allied Credit Solutions”. Note also that the site clearly lists our bond provider and that Allied’s bond is in full force and effect until February 25, 2015. Further, if you click on the following link (https://direct.sos.state.tx.us/acct/acct-login.asp) and type in “Allied Credit Solutions”, it is clear that we are a Texas LLC in full compliance with Texas corporate law. Clearly these allegations are without merit and are actionable.
In addition, the post references an “affiliate law firm”, which makes no real sense. Allied is co-owned by Patrick Murphy, who is a Texas licensed attorney with the firm Murphy & Vickers.
Further, the post alleges that Allied charges monthly fees, which is against the great weight of evidence to the contrary. The company has never charged a monthly fee, which is clearly stated on the company’s website.
Finally, the post states that Allied is a scam, and suggests we make false claims, which is a material misrepresentation and again actionable as corporate disparagement. Rather, the poster seems more focused on “Dee Huff”, but the allegations clearly trying impair the good name of Allied.
An individual called in to Allied (to whom I believe is the person posting this), I personally spoke to him. He called in several times looking for Ms. Huff. He was then advised that she wasn't in the office. He hung up and preceded to call in excess of 10 times, to her extension. When I spoke to him he demanded answers to very specific questions right off the get go, (like, how many people do you have in your office, how many men in your office, what are your hours, when is Ms. Huff going to be back, how late do you stay, and would not provide any information as to what he was trying to accomplish by asking these questions, as if he was trying to find someone (Ms. Huff) and wanted to see what he was dealing with.
When I tried to answer the questions that applied to the company, and provide him the information he was asking for this person started getting more and more demanding. He then stated he was a client and that Ms. Huff was his agent. When I asked for his name to look him up in our system, I couldn't find any record of him being a client of Allied. (reminder, Ms. Huff was only an independent contractor for less than a month) Then, he stated that he wasn't really a client, but yet wanted to be a client, and that he was working with Ms. Huff. I then proceeded to ask if Ms. Huff has his information. He responded yes, I researched his name in our prospect system, and couldn't find him again nor any information on him. I then said, "let me look on her desk and see if we have a file on you", subsequently this person hung up.
We believe that this is a personal posting and that this personal as some personal vendetta against Ms. Huff and is using a smear campaign against Allied to accomplish this. However, as previously stated, making false statements against our business is clearly disparaging our company.
For these reasons, we have demanded that this site immediately remove this post or remove all references to our company, Allied as none of the allegations are grounded in fact and or have been proven otherwise.
We take matters like this very seriously, as this impairs our business and we will take all actions necessary to ensure that this issue is vindicated. However, we hope that the site administrator will simply remove the post as broadcasting falsehoods like this, is likely not in the best interest of their business, as it discredits their organization, thus allowing anyone to publish anything without verifying its contents.
Allied works extremely hard to ensure we offer the most compliant products to consumers, and only provide the appropriate reasonable expectations. We provide consumers with education on how to manage their credit, how to use their credit more effectively in the future, offering free credit consultations to consumers so they understand what their credit reports reflect. Our legal team and investigations unit work tirelessly reviewing State and Federal guidelines to ensure that Allied continually remains in compliance.
To conclude, I ask that the author of this publication either amend its content, remove the publication, and or counter any of the information provided in my response. Additionally, I challenge the author to provide his/her contact information either publicly or to myself directly (as I have below), so we can resolve any matter they may have.
Allied Credit Solutions Reviews
The Attorney General's Office alleged that XXXXXX and her companies, using the name XXXXX Credit Services, failed to comply with state and federal laws designed to protect consumers from unfair practices in the credit repair industry by unlawfully charging advance fees, failing to make required disclosures to consumers, making false statements to the credit bureaus in relation to consumers' credit histories, and sending letters in which the company signed the consumers' names without the consumers' knowledge. Under the settlement agreement, XXXX and companies are prohibited from offering credit repair services in Massachusetts. The defendants are also required to pay $25,000 under the settlement, which will be allocated to the Attorney General's Local Consumer Program, a statewide network of local consumer assistance organizations that offer information and assistance in resolving consumer complaints.
Allied Credit of Plano Texas and Dee Hoff
See links below:
It took us a while and many phone calls to track down con woman Dee Hoff if that is her real name. Her previous CREDIT CLEANUP employer said " I fired her because she was cashing customer checks, taking and keeping cash and trying to do business on the side". " She is a crook, twisted, a drama queen and I am still getting phone calls." " She tried to get me in trouble when confronted, dangerous woman tactics".
Yes, this is who Allied Credit of Plano, Texas hired and when interviewing their sales people as always it was the same story..That the company was Bonded, Licensed and Insured however none of the above is true as the sales agent did not know the name of the Company they were bonded thru and the owner of the Company made up the name of a bonding Company that did not exist at least on Google. Where is it????? Dated.... EXPIRED..Were they really giving out their real names,Doubt it. Nevada Coroprations or Out of State?and more Ridiculous seals stamped on website..?????? A Affilliate law firm.... Hired to protect who????? Them from your future lawsuit to recover your money.
These people will just take your Hard Earned Money up front in addition to bilking from you Monthly Auto Withdrawals from your bank to pay for their BMW's and Pay Rent in their hustle. You would be best served to purchase a credit repair kit and do all yourself for $29.95.00 less sometimes pay over a $1000.00 paid to include up front fees for marginal credit report clean up results. Do not get burned like we did with Dee Ho ff and her two bit hustle.
Most of these carney salespeople tell grandiose stories of credit report re-scoring or clean ups.. Just STORIES . Did you see the 60 Minutes Report on Credit Repair Companies
BEWARE of credit services businesses ("CSBs"), often referred to as credit repair businesses that make promises they cannot deliver. Don't believe advertisements that make false claims, such as:
"We can erase your bad credit - no problem!"
"Create a new credit identity - legally."
"We can remove bankruptcies, judgments, liens, and bad loans from your credit reports forever!"
Every day CSBs target consumers with troubled credit. These companies promise to clean up consumer credit reports to help consumers obtain credit, insurance, and employment. CSBs require consumers to pay significant fees, often in advance, for promised services. The fact is, however, no one can remove accurate information from your credit report, even if it is negative. Don't be taken in by false advertising.
PAY No Up-Front Fees: Under the Act, a CSB may not charge or receive any money or other valuable consideration prior to full and complete performance of the services that the CSB has agreed to perform on your behalf.
Must Be Licensed: Any individual or company offering credit repair services as described in the Act must be licensed by the Commissioner of Financial Regulation ("Commissioner").
Written Contract Required: A CSB must enter into a written contract with you. Among other provisions, the contract must include a detailed description of the services to be performed and the results to be achieved by the CSB. ASK for a Copy of the License Bond Insurance..Satisfied verifiable customers.
Written Disclosures Required: A CSB must provide you with a written information statement before entering into a contract, or receiving money or other valuable consideration from you. The information statement must include the following statements among other important information:
Your right to review any file maintained about you by any consumer reporting agency ("CRA"), and your right to receive a copy of your consumer report containing all information in the file as provided by the federal Fair Credit Reporting Act ("FCRA");
Your right to a free copy, from the CRA, of your consumer report containing all information in your file, if requested by you within 30 days of receiving notice of a denial of credit as provided under the FCRA;
A nominal charge not to exceed $5 may be imposed on you by the CRA for a copy of the consumer report containing all information in your file, if you have not been denied credit within 30 days from receipt of your request; and
Your right to dispute the completeness or accuracy of any item on you contained in any file that is maintained by any CRA, as provided under the FCRA.
Right of Rescission: You have the right to cancel a contract with a CSB any time prior to midnight of the third business day after the date of the transaction.
Other Important Provisions of the Act:
A CSB may not create, or assist you in creating a new credit identity by obtaining and using a different name, address, telephone number, Social Security Number, or employer tax identification number.
A CSB may not make, assist, or advise you to make, any statement or other representation that is false or misleading to a consumer reporting agency, government agency, or person to whom you apply or intend to apply for an extension of credit, regarding your creditworthiness, credit standing, credit capacity, or true identity.
A CSB may not make or use any false or misleading representations in the offer of services to you.
Penalties for Violation
Anyone violating the Act may be subject to significant administrative, civil and criminal penalties, including fines up to $5,000 or imprisonment up to 3 years, or both, plus possible additional civil penalties.
Use Care if Choosing a CSB
If you choose to do business with a CSB, make sure that the company is licensed and in compliance with the law. Additionally:
Avoid any CSB that advises you not to contact a credit reporting company directly.
Avoid any CSB that advises you to dispute all of the information in your credit report (regardless of its accuracy or timeliness); and/or
Does not inform you of your legal rights and what you can do for yourself free of charge
Allied Credit Solutions - Owner's Response to Allegations
My name is Aaron Faubion and I am the President/CEO and founder of Allied Credit Solutions, LLC (“Allied”). I was recently advised of this publication posted here on this website (www.scamorg.com) which makes allegations against my company Allied Credit Solutions, LLC that are entirely false and without any merit and is completely basis.
To address these items in turn:
The post discusses allegations from the attorney general’s office (it is unclear which state’s AG) and that “XXXXX” company was required to pay a fine in Massachusetts for various violations. This is NOT Allied, but yet another company, which can be shown in the following link: http://www.mass.gov/ago/news-and-updates/press-releases/2010/texas-based-credit-repair-company-to-stop.html. By this person posting this under our company name "Allied", the posting person has attempted to allude that these acts were committed by Allied, which is a COMPLETE FALSEHOOD, and is corporate disparagement.
Further, the post references an interview with a former employer of Dee Huff "Hoff". Ms. Huff worked for a brief period for Allied (less than a months time) and only in the capacity of an independent contractor. By this person posting these allegations against Ms. Huff under Allied’s name, this creates the belief that Ms. Huff and Allied are one in the same, which is a complete falsehood and again amounts to corporate disparagement. Ms. Huff is in no way affiliated with or employed by Allied.
Moreover, the post states that Allied does not have the required surety bond, that the surety proffered to the poster was fictitious and that Allied is an out of state company. First, Allied has, from inception, maintained the required active bonding requirements with no lapse in coverage. This can be evidenced by clicking on the following link (https://direct.sos.state.tx.us/cso/CSOSearch.asp) and typing in “Allied Credit Solutions”. Note also that the site clearly lists our bond provider and that Allied’s bond is in full force and effect until February 25, 2015. Further, if you click on the following link (https://direct.sos.state.tx.us/acct/acct-login.asp) and type in “Allied Credit Solutions”, it is clear that we are a Texas LLC in full compliance with Texas corporate law. Clearly these allegations are without merit and are actionable.
In addition, the post references an “affiliate law firm”, which makes no real sense. Allied is co-owned by Patrick Murphy, who is a Texas licensed attorney with the firm Murphy & Vickers.
Further, the post alleges that Allied charges monthly fees, which is against the great weight of evidence to the contrary. The company has never charged a monthly fee, which is clearly stated on the company’s website.
Finally, the post states that Allied is a scam, and suggests we make false claims, which is a material misrepresentation and again actionable as corporate disparagement. Rather, the poster seems more focused on “Dee Huff”, but the allegations clearly trying impair the good name of Allied.
An individual called in to Allied (to whom I believe is the person posting this), I personally spoke to him. He called in several times looking for Ms. Huff. He was then advised that she wasn't in the office. He hung up and preceded to call in excess of 10 times, to her extension. When I spoke to him he demanded answers to very specific questions right off the get go, (like, how many people do you have in your office, how many men in your office, what are your hours, when is Ms. Huff going to be back, how late do you stay, and would not provide any information as to what he was trying to accomplish by asking these questions, as if he was trying to find someone (Ms. Huff) and wanted to see what he was dealing with.
When I tried to answer the questions that applied to the company, and provide him the information he was asking for this person started getting more and more demanding. He then stated he was a client and that Ms. Huff was his agent. When I asked for his name to look him up in our system, I couldn't find any record of him being a client of Allied. (reminder, Ms. Huff was only an independent contractor for less than a month) Then, he stated that he wasn't really a client, but yet wanted to be a client, and that he was working with Ms. Huff. I then proceeded to ask if Ms. Huff has his information. He responded yes, I researched his name in our prospect system, and couldn't find him again nor any information on him. I then said, "let me look on her desk and see if we have a file on you", subsequently this person hung up.
We believe that this is a personal posting and that this personal as some personal vendetta against Ms. Huff and is using a smear campaign against Allied to accomplish this. However, as previously stated, making false statements against our business is clearly disparaging our company.
For these reasons, we have demanded that this site immediately remove this post or remove all references to our company, Allied as none of the allegations are grounded in fact and or have been proven otherwise.
We take matters like this very seriously, as this impairs our business and we will take all actions necessary to ensure that this issue is vindicated. However, we hope that the site administrator will simply remove the post as broadcasting falsehoods like this, is likely not in the best interest of their business, as it discredits their organization, thus allowing anyone to publish anything without verifying its contents.
Allied works extremely hard to ensure we offer the most compliant products to consumers, and only provide the appropriate reasonable expectations. We provide consumers with education on how to manage their credit, how to use their credit more effectively in the future, offering free credit consultations to consumers so they understand what their credit reports reflect. Our legal team and investigations unit work tirelessly reviewing State and Federal guidelines to ensure that Allied continually remains in compliance.
To conclude, I ask that the author of this publication either amend its content, remove the publication, and or counter any of the information provided in my response. Additionally, I challenge the author to provide his/her contact information either publicly or to myself directly (as I have below), so we can resolve any matter they may have.
Sincerely,
Aaron Faubion, F.C.R.A. Certified, C.D.S.
President/CEO
Allied Credit Solutions, LLC
Real People, Real Solutions.
www.AlliedCreditSolutions.com
Direct Contact (214) 256-3277
Email: [email protected]