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FMK, Inc.

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FMK, Inc. Reviews (2)

Review: After discussing some credit woes I had experienced I was advise by friend, [redacted], to contact Florence K[redacted] of FMK Credit Education Center and she would be able to assist possibly with my issues.I contacted K[redacted] who quickly made my appointment and advised what potential documents I would need to have in case I decided to hire her. We later met and I felt that she would be competent enough to handle my issues so we signed an agreement which would be that in addition to paying the administrative fees, which were allegedly to order the FREE credit reports, but this would also cover one account being removed. Time passed I and I had not received any documents... Eventually the documents would come approximately weeks later and the subsequent report would arrived dated July 3, 2014.I am filing the complaint because Florence has released my file with all of my pertinent information to some gangster who has called me threatening to put the accounts back on my credit file and also who used excessive profanity towards me. I have contact Kind who ultimately has changed her story as to the balance owed, sop for account closure and the list goes on.Desired Settlement: I will pay the outstanding balance for the 2-outstanding accounts which have been removed from my credit report and she will no longer need to complate any additional work on my behalf. I would also like some written form of verification that she will cease and decist and if possible return ALL of my confidential information that she has since shared with an unauthorized. Oh and did I mention she told me to contact him back in regards to the account and I did with no reply.

Business

Response:

November 4, 2014Dear [redacted].I am writing in response to the Revdex.com letter dated Friday, October 31, 2014 concerning the above referenced ID #[redacted], the individual who became a client of FMK Credit Education Center on January 22, 2014. Copy of Confidential Client Intake form is attached, along with Consultation Service Contract and a 6 months Payment Contract. All of these documents were signed by the individual referenced above. On the Client Intake Form he was working for [redacted] as a Family Service and Preplanning Specialist. He is no longer working for this company.A copy of his 6 months contract which starts on the day the client brings in his credit reports and expires 6 months after that date. His payment contract expired on October 23, 2014.On January 22, 2014, ID#[redacted] paid our company $75.00 which included a detailed credit analysis of one or all three of his credit reports. We ended up analyzing two of his credit reports on April 23, 2014, one from [redacted] and the other from [redacted]. Both reports were dated on April 5, 2014. The results of our investigation normally take 45 days, however, when a change of address is in the system it takes longer. A response to our investigation was mailed to our client at his [redacted] address on July 3, 2014. He never forwarded the results to our office. Upon contacting [redacted] we discovered that four of his nine negative accounts were deleted subsequent to our first investigation.The following accounts were removed from our client’s [redacted] credit report based on our investigation under the Equal Credit Opportunity Act, the Statue of Limitations and accounts being uncollectible and time barred.[redacted] at the [redacted] where he no longer resides $847.00 outstanding obligation [redacted] A CHARGE-OFF ACCOUNT PAID IN FULL ENHANCED RECOVERY [redacted] ACCOUNT $237.00 [redacted] A CHARGE-OFF ACCOUNT PAID IN FULLOnly one of the accounts listed above was included in his processing fee. He currently owes FMK Credit Education Center $75.00 for the removal of the remaining three accounts at $25.00 a piece. His payment contract clearly states that all services are discontinued if payment is not received in a timely manner. FMK reserves the right to pull your credit report and report all unpaid payments to the credit bureau in the form of a collection account from FMK Credit Education Center. One collection account can decrease a score by 100 points. A copy of that contract was read by our client and he agreed and signed the form without a problem. (please see attached contract)After 60 days of non payment, his file was transferred to our in-house collection department headed by Mr. G[redacted]. Please be advised all of our in-house collection calls are monitored and at no time did Mr. G[redacted] use any type of profanity, however, our client's folder had a notation indicating that our client was very rude and had in fact used profanity and mentioned that he was going to get even and threaten to submit a complaint to the Revdex.com. He hung up and proceeded to call our main number. After conversing with my client, he promised that he would pay the outstanding balance as soon as possible. I believed him and gave him a four digit release code and told him to call Mr. G[redacted] back and give him the number so that he could halt all collection procedures and return his folder to my desk. Our client never called Mr. G[redacted] back. I initiated the call to have his file returned. His file was immediately transferred; however, our client did not uphold his part of the bargain.It was understood that he would pay $25.00 for each item that was deleted off his [redacted] report, which is the first report we investigate. Please see contract. We do not investigate the other two credit reports until he pay for the removal of the first bureau. It is only fair because we do not receive our money until the item is deleted. His initial processing fee of $75.00 covered the ordering of his credit reports, the credit analysis, the Financial Literacy class with certificate and the removal of the first negative account from [redacted]. A financial Education class is conducted every month for two hours the last Monday in the month. Our client did not register for any of our classes.Because our client has a history of moving from one location to another, we had to submit type written letters to the three credit reporting agencies to prove his current residence. A copy of his social security card verifying his nine digit social security number, a copy of his joint lease with [redacted] while he was using the address at [redacted] and a copy of his birth certificate. (Please review a copies of these documents) Our agency had to send proof of address to the three credit reporting agencies by first class mail which was a requirement by the bureau. He did not qualify for a free automated report based on his frequent history of moving from one location to another.. These documents had to be forwarded to the credit reporting agencies by registered mail which caused a delay in receipt.The credit reporting agencies as well as the FBI have been tracking the movement of our client’s for several years. There were notices on his file that perceive him as a high risk because some of his addresses pertained to a business or was used as a mail drop or a delivery service; for example [redacted] Washington, DC and [redacted], Georgia. Below are different addresses he has used while applying for credit. This is an unusual pattern and is a cause for concern. Based on the numerous addresses the credit bureaus have an alert on his credit report which is one of the main factors that his profile had been delayed. According to your letter dated Monday, October 20, 2014 he is using yet another address which is [redacted], Maryland [redacted]. Keep in mind that this indivADDRESSES ON ID#[redacted]–HE IS ONLY 25 YEARS OLD AND HAVE USED OVER 15 DIFFERENT ADDRESSES. HE WAS BORN MARCH 13, 1989.[redacted], Maryland [redacted] Current [redacted] NW Washington, DC BUSINESS ADDRESSAddress he used when he became a client of FMK[redacted] Washington DC [redacted] PO Box [redacted] Florida [redacted], Florida [redacted] Florida [redacted], Florida [redacted], Georgia [redacted] Georgia [redacted] Georgia [redacted] BUSINESS ADDRESS [redacted] Georgia [redacted] Florida [redacted], Georgia [redacted] PO Box [redacted] Maryland [redacted], Georgia [redacted]Our client was placed on our pay after accounts are deleted program otherwise know as “Pay as you Go”. Please see the signed contract stating that we investigate [redacted] first, [redacted] second and [redacted] last.Please take in consideration that this client has made several misleading statements concerning our service. On his initial visit a credit report was ordered on his behalf from [redacted] and [redacted] while he was in the office but we could not obtain a confirmation number due to unverifiable addresses in the credit reporting agency’s database. We emphasized that he would receive a copy of these reports within a week to ten business days from his initial appointment if he could provide us with proof of address. He did not provide us with proof until several weeks later. A confirmation was received from all three bureaus after we mailed letters of proof. We then ask our client to call to schedule a follow-up appointment so that we can conduct the credit analysis. The first available appointment he could make was on April 23, 2014.In light of the Revdex.com’s practice of having a company settle a complaint in which our client was upset because we transferred his file to our collection department, we would like to state for the record that his file is currently on my desk and all collection efforts were terminated. No additional work would be conducted based on our contract and his wishes. Although he feels that he owe $50.00 as opposed to $75.00, our company is willing to cancel the $25.00 fee and honor a $50.00 outstanding balance. Please keep in mind services from FMK were rendered on his behalf and if this reduced balance is not paid we will still have no other choice but pursue this debt through small claims court.Thanking you in advance for giving us the opportunity to voice our side of the story. If you have any questions, feel free to call us at ###-###-####.Best Regards,Florence K. President & CEO

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I was referred to this business by a co-worker, whom also use this service seeking to repair my credit debt. I phones **.[redacted] on March the eighteenth or nineteenth 2013, to get a better understanding of the services she has to offer to assist in repairing my credit, she assured me that she could assist me. **. [redacted] set up an appointment for me to come to her office on March the twenty -second 2013 @1:oop.m. I arrived she detailed to me in person what she offers her clientele mentioning over and over that she has been doing this for over twenty-two years. She charged me two hundred and fifty dollard ,I signed a contract ,and she ordered my three credit reports. **.[redacted] stated that after the reports are mailed to me to bring them to her as soon as possible. The credit reports did not come in the mail at the time frame in which she stated which was four to five weeks so I phoned her to inform her of this like the middle of May 2013, she stated that she would request them again. The first report came in the mail two weeks later, I took that report to **.[redacted] and explained that the second one has not come yet she stated don't worry. I can work with this one, I have phoned **.[redacted] and she has said she would call me back I haven't heard from her concerning my credit report,my credit status nothing. Its now July 2013, and her services are still not rendered.My credit status is still the same no actions what so ever have been made.Desired Settlement: Two hundred and fifty dollars

Business

Response:

October 10, 2013

Dear **. Home.

I am writing in response to your letter dated October 1, 2013 concerning Dedra Baxter, the above referenced individual who became a client of FMK Credit Education Center on March 22, 2013. We offered a resolution by conducting another investigation but **. Baxter has failed to contact us.

Please take in consideration that this client is continuing to make false allegations concerning the Service we provided on her behalf. We ordered all three of her credit reports the day she came into the office. We told her that she would receive those reports within a week to ten days at her place of residence. She stated that she had not heard from me since March 22, 2013, if that was a factual statement, how on earth would I have received her Equifax Credit report to conduct the first investigation without her bringing it into the office. On March 22, 2013 on her initial visit a credit report was ordered on her behalf from Equifax, Experian and Trans Union while she was in the office and it was mail to her within a week. We emphasized that she would receive a copy of these reports within a week to ten business days from her initial appointment. A confirmation was received from all three bureaus at that time. I informed our client that the reports would have the date of March 22,2013 on them. They are processed immediately based on an electronic phone conversation. I enclosed a copy of the confirmations date and numbers with her signatures. We ask our clients upon receipt of these reports to give us a call immediately to schedule an appointment so we can start the process as soon as possible. They can bring them in as they receive them and that they did not have to wait until all three reports are received. Please review the statement below that was sent to your attention on August 8, 2013.

Our client called to schedule an appointment on April 2, 2013 because that was when she received her first report from Equifax. Attached is a copy of that report which was dated March 22, 2013. At that time we spent close to an hour analyzing and evaluating her adverse accounts which is part of her processing fee. At that time she had only received her Equifax report which had nine negative accounts. Out of the nine accounts only two accounts complied with federal regulations. She stated that she never received the other two reports. We re-ordered these reports on two separate occasions. Attached is a copy of her payment contract. As stated on page three of this contract, we would only charge her after the accounts were deleted because they did not meet federal regulations. On April 18,2013 our client called to tell me that she never received her Experian and Trans Union reports. FMK re-ordered those reports again. The confirmation number for her Experian report on that date is outlined on the request form. Her Trans Union report was confirmed for the second time as well on that date. Trans Union does not issue confirmation numbers. Attached are copies of those reports with her signature.

Our client insisted that she never received these reports. Because she was so adamant about none receipt, I checked with the two credit bureaus to track them down. Our company was told that the reports were mailed out to her address in Washington, DC [redacted] which is her current mailing address on the specified dates. She told me that she has never had a problem receiving her mail. I always tell my clients that the mail forwarding address has a PO Box only and the name of the credit bureaus are not visible or listed on the outside envelop. We encourage them to open up all their mail because it looks like junk mail. I really don’t think she recognized the letters.

In the meantime our client registered to attend our two hour comprehensive Financial Literacy and Credit Management class which is held at [redacted] on April 29,2013. She promised that she would attend but she was a no show. Her name is on the registration list. (See enclosed alphabetical roster) This class is very educational and we use to make attendance mandatory. We charge $25.00 for this class, however, it is offered as part of our service and it is included in our $250 processing fee. This fee includes our coaching and credit analysis session in which she had on April 2, 2013, our class in which she registered and can still attend and subsequent class, publications on the Equal Credit opportunity Act, Building a Better Credit report, The Fair Debt Collection act and as stated on our Full Service Program Agreement all of these publications are part of our classroom handouts.. A copy of this contract dated March 22,2013 is attached. Our class is conducted once a month. She did not call and cancel and the certificate that was pre-printed in her name was shredded because it could not be reused. The next class was May 22, 2013 at the same location. She failed to sign up.

We explained to her that we normally conduct three investigations for each credit reporting agency. Her first investigation with Equifax took place in April. It normally takes 45 working days for the results. According to her letter she said that she received the first report two weeks after the middle of May 2013. However, attached is her signature on our contract dated April 2, 2013 with her signature This Equifax report came at the same time I predicted, within 7 to ten working days. There is no other way for my company to have this information if she did not bring it in. Our client brought it in immediately and was excited and said that she will attend our class at the end of the month. We re-ordered her other two reports on April 18, 2013 not May. She failed to bring in the other two reports. We could not conduct the additional investigations with the credit reports in her possession. My concern is that she is claiming nothing had been done on her behalf but when we contacted Equifax the results of the investigation was sent to her around the end of May. I was surprised to find out that she logged a complaint with the Revdex.com in July when she had already received her results. Which should have been the removal of no more than two accounts not seven.

She received her results well before the 45 day investigation period was over.

In light of the Revdex.com’s practice of having a company settle a customer dispute we will conduct another investigation on her part without the additional charge and we are willing to cancel the debt of any accounts that was deleted beyond the first two. In all fairness the majority of her accounts did not meet the Equal Credit Opportunity act because it was hard to prove her credit worthiness base on the insurmountable debt in which she had occurred by failing to pay her creditors back.

We will reorder all three reports again to see what is remaining and initiate one more follow up investigation and encourage her to attend our credit management course on August 26,2013 at [redacted]. This is the most we can do to help rectify her complaint.

Thanking you in advance giving us the opportunity to once again voice our side of the story.

Consumer

Response:

#[redacted]

Good morning **. [redacted], I have a complaint of non service from FMK Credit Education Center, INC

I was referred to **. [redacted] by a co-worker in reference to cleaning my credit for me to purchase my first home. **. [redacted] and I spoke via phone to set up an appointment to meet, I kept my appointment on March the 22nd, 2013 met with **. [redacted] and she detailed her services including the fee $250.00. I was in need of her services and satisfied with the detailed services that she informed me of. So I signed a contract, I have not received any services from this company nor have I heard from **. [redacted], I have phoned her on several occasion with no success.

Business

Response:

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Description: Investment Advisory Service

Address: 817 King Street, Suite #205, Alexandria, Virginia, United States, 22314

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