Consumer reviews and reports on scam companies, bad products and services
Empire Credit Protection Will Lopez THE MAN BEHIND THIS COMPANY IS A SCAM ARTIST Covina, California
5th of Jan, 2012 by User828362
I found this company's ad in a home sales magazine. The company advertised that they could have all negative credit removed from your credit report, and increase your credit score. I contacted the company and spoke to a guy by the name of Will Lopez, who introduced himself as the owner. He agreed to have 4 items removed from my credit report, at a cost of $600.00. He had asked me to deposit the money in his business account, which should have waved a red flag for me, but I went along with it, thinking that his ad and website was credible enough to vouch for the companies ligitimacy. Lopez was extremely nice and helpful as well as very responsive while taking my money. Once he was paid in full, he stopped returning calls and responding to emails. When he did respond, he would become very defensive about his companies ability to perform services. Needless to say, after signing his contract, and supplying him with copies of credit reports, as requested, in the end, no services were ever rendered. I asked for a refund, and he refused until I reported him to the BBB. Then he agreed to a refund, but only ended up sending a partial payment, accompanied by an itemized list of charges, in which was never discussed or agreed on. To make a long story short, I conducted my own investigation with the FTC, to find out that it is illegal for a credit service to collect any up front payments, until services are fully rendered. Also, they should never guarantee that they can have negative items removed, among other things. In conclusion, I took this rude, unprofessional, hot head business man to small claims court, and he has been ordered to refund the entire balance owed. Although I won my case, I'm not sure he'll pay without a fight.

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