Debt Relief Industry

The Fulfillment Center Claims 100% Success and 190,000 Clients But That Does Not Appear True

The Fulfillment Center just sent out the following email that makes some pretty incredible claims.

From: Yaron Kimelman [mailto:[email protected]]
Sent: Wednesday, May 18, 2011 9:52 AM
To: Yaron Kimelman
Subject: Close More Business with FCRA Section 609 {Especially Debt Settlement Business)

FCRA SECTION 609
Hello and good afternoon
.
Nice to be talking with you again. I want you to take a look at an amazing company that I believe will interest you. There is absolutely nothing like it out there, and it will without a doubt compliment your current offerings in a huge way. Imagine being able to start working on consumer credit as soon as they enroll into your program.

The Fulfillment Center has been in business 11 years without advertising our service. Over 190,000 clients have been through our program with 100% success. We have never lost a case. We are looking to For industry leaders and producers to align with

This is NOT CREDIT REPAIR!!! We do not dispute whether a Negative is accurate…

We dispute the Credit Bureau’s right to report Anything! The Bureau’s have Not been in compliance since 1971! We have found a way 11 years ago that allows our system to work every time;

Collections Repossessions Late Payments Judgments/Liens Charge Offs Foreclosures Bankruptcies Identity Theft/Frauds Inquiries Incorrect Personal Information

Anything and everything can be removed permanently!

CREDIT EDUCATION:
WHY DO BANKS ENDORSE THE FULFILLMENT CENTER’S CREDIT EDUCATIONAL SERIES?

We provide an educational program to our clients on how the credit system works, and how to maximize credit scores by adding positive information to their credit profiles. Unlike Credit Repair TFC actually makes your clients more credit worthy

When compared side by side, our credit Education system is much more economical and effective than ANY credit repair system out there. Our program is copyrighted and trademarked. Additionally, we have a proven system which has an astoundingly successful deletion rate. No other company can come close to our numbers. Finally and most importantly, clients who have been in our system for one year have a 2% future default rate as opposed to approximately a 10% nationwide default rate.

Here are some of our bullet points to consider

  • Used by All Bank of America Branches in the South West.
  • 188,000 + Clients Have Used Our System Successfully!
  • Endorsed by previous NAMB President.
  • 12 month Free Dispute Program !
  • 5 Million+ Deletions/ Changes On File
  • Every Type Of Negative Item There Is Has Been Successfully Disputed.
  • We Are The ONLY Company In The Entire USA Fully Using The Section 609 Dispute!
  • Average Credit Scores Rise 60-150 Points!
  • Never lost a client
  • Professional marketing materials to boost your sales (see attached)
  • Replicated website available upon request
  • Industry High Commissions
  • Website and Education Series available in English and Spanish http://www.tfc2009spanish.info/index.html

Please have a look at our testimonials which can be found here http://www.tfc2011.com/testimonials.html

We are looking for affiliates who can produce to align with. We’re already processing about 2000 files a month and are ready to double our intake.

Please get in touch with me ASAP if you are interested. The low cost of the service and high commission will astound you.

Talk soon,

Yaron. K
Director of Business Development
508-410-3831
www.Tfc2011.com

My radar goes up when I read things that say we’ve been in business for 11 years with 190,000 successful clients. No business has 100% successful clients.

So I went to see what others were saying about The Fulfillment Center and there were a number of complaints. You can read them here. So just on face value it can’t be true they have a 100% success rate when here is evidence of unhappy clients.

According to the BBB the company has an F rating because they have 8 complaints filed against business and have failed to respond to 7 complaints. – Source

I was not able to locate a USPTO trademark so I can’t confirm that claim. I was also unable to locate anything on file with the U.S. Copyright office.

If you have had an experience with The Fulfillment Center, please post it in the comments section below.


I can always use your help. If you have a tip or information you want to share, you can get it to me confidentially if you click here.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

4 Comments

  • Steve:  I would like to tell you of my B A D experience with EDUCATIONAL FINANCIAL SERVICES & THE FULFILLMENT CENTER, but it would take more space than you have here – it would take at least two pages.  Is this the same FULFILLMENT CENTER THAT my experience was with – the one at P.O. Box 10003, Pleasanton, CA 94588?  Educational Financial Services (who later told me that they are a separate company from The Fulfillment Center and they do the “underwriting” for The Fulfillment Center.) kept me on the telephone for three hours with high pressure tactics. trying to get me to give my e-signature to documents, and refused to let me have copies of those documents for my attorney or family to read. The person to whom I talked said that the word signature did not really mean that I was signing – that it just meant that it told them who was sitting in front of the computer, and that it meant that I was ready to sign.  He then said that nothing was agreed upon until I signed in ink the hard copy that they would send me. Against my better judgment, I put my e-signature in order to get a copy for my family and attorney.  On the computer, the first page presented was for the signature, without having seen any other documents. In the pages shown on line, Educational Financial Services was shown only one time, but there was no address or telephone number given.  They directed me to another web site on the internet, which showed that Educational Financial Services had fourteen complaints with the BBB, and six or seven of those had not been resolved.  They told me what a glowing report that was, that only fourteen people complained in twenty years.  I found out why they were so insistent in getting my signature as soon as possible, because a charge for an enrollment fee was presented to one of my credit card accounts the next day, and another charge to another credit card account appeared four days later, after a week-end. Nowhere in the documents does it say that any money will be paid to Educational Financial Services, and a payment each month for $49.00 for a CEBA card is not mentioned in the documents. Is it because they know it is illegal to collect money up front before any services are rendered, according to the law passed in October, 2010?  I received the hard copy in the mail three days later, and Educational Financial Services, an enrollment fee, or CEBA monthly fee, is not mentioned anywhere in the documents. When I received the hard copy, I thought they came from The Fulfillment Center of Educational Financial Services, not knowing that they were separate entities.
    I asked why the CEBA check for $49.00 was to be started a month before the program was to begin.  I was given a hogwash statement just like the other lies and half-truths I was told.  I asked the person who took my information how he was paid – was I to pay him or was a genie to appear to pay him?  He replied that he was paid by the hour, even though I told him that I wanted to know the source of the funds,  After asking about ten times, he replied that the enrollment fee paid his fee.  Only much later did I find out that there was a $15.00 charge each month.  The hard copy I received had six pages of additional documents that I had never seen. The first (one page) was WELCOME TO THE PROGRAM, which gives nine rules of compliance, the second (one page) was DMP PRIVACY POLICY, the third (two pages), is CLIENT AGREEMENT, and the fourth (two pages), is ARBITRATION. And I was to be bound by all of these rules (all in favor of the company) even though I had not seen them and had not agreed to them. In all the documents, The Fulfillment Center is not mentioned – only shown as a return address on the envelope. The CLIENT AGREEMENT begins with this paragraph:  “The below-named individual(s) hereafter solely and/or collectively referred to as “Client”), and the nonprofit community service organization National Budget Planners of South Florida,
    Inc, (hereafter “DMP”), hereby enter into this Client Agreement (hereafter “Agreement”), whereby Client engages DMP to provide, pursuant to the terma, conditions and probvisions of this Agreement, credit counseling and if appropriate, debt management services to Client in accordance with DMP’S Debt Management Program.  DMP and Client agree as follows:   The Fulfillment Center is not mentioned anywhere and there is no address or telephone number given for any company.  I can’t even find the company on the internet. Is this a phantom company that eludes me
    I called to cancel and was told that I had to cancel through the mail or by FAX – verbal or e-mail correspondence would not be accepted – even though they would not do without the e-mail to get someone’s e-signature.  And, oh, yes I had to FAX CEBA also. to stop that $49.00 a month. And I also have to FAX all documents to the two credit card companies.  And just to think that they could have saved me $30,000.00, and to remember those thousands of satisfied customers they have.  And they guy who said he was a manager said that this is not really a contract!!! All of the above raised my ire, and I called and filed a complaint with the FTC!!!

  • Steve:  I would like to tell you of my B A D experience with EDUCATIONAL FINANCIAL SERVICES & THE FULFILLMENT CENTER, but it would take more space than you have here – it would take at least two pages.  Is this the same FULFILLMENT CENTER THAT my experience was with – the one at P.O. Box 10003, Pleasanton, CA 94588?  Educational Financial Services (who later told me that they are a separate company from The Fulfillment Center and they do the “underwriting” for The Fulfillment Center.) kept me on the telephone for three hours with high pressure tactics. trying to get me to give my e-signature to documents, and refused to let me have copies of those documents for my attorney or family to read. The person to whom I talked said that the word signature did not really mean that I was signing – that it just meant that it told them who was sitting in front of the computer, and that it meant that I was ready to sign.  He then said that nothing was agreed upon until I signed in ink the hard copy that they would send me. Against my better judgment, I put my e-signature in order to get a copy for my family and attorney.  On the computer, the first page presented was for the signature, without having seen any other documents. In the pages shown on line, Educational Financial Services was shown only one time, but there was no address or telephone number given.  They directed me to another web site on the internet, which showed that Educational Financial Services had fourteen complaints with the BBB, and six or seven of those had not been resolved.  They told me what a glowing report that was, that only fourteen people complained in twenty years.  I found out why they were so insistent in getting my signature as soon as possible, because a charge for an enrollment fee was presented to one of my credit card accounts the next day, and another charge to another credit card account appeared four days later, after a week-end. Nowhere in the documents does it say that any money will be paid to Educational Financial Services, and a payment each month for $49.00 for a CEBA card is not mentioned in the documents. Is it because they know it is illegal to collect money up front before any services are rendered, according to the law passed in October, 2010?  I received the hard copy in the mail three days later, and Educational Financial Services, an enrollment fee, or CEBA monthly fee, is not mentioned anywhere in the documents. When I received the hard copy, I thought they came from The Fulfillment Center of Educational Financial Services, not knowing that they were separate entities.
    I asked why the CEBA check for $49.00 was to be started a month before the program was to begin.  I was given a hogwash statement just like the other lies and half-truths I was told.  I asked the person who took my information how he was paid – was I to pay him or was a genie to appear to pay him?  He replied that he was paid by the hour, even though I told him that I wanted to know the source of the funds,  After asking about ten times, he replied that the enrollment fee paid his fee.  Only much later did I find out that there was a $15.00 charge each month.  The hard copy I received had six pages of additional documents that I had never seen. The first (one page) was WELCOME TO THE PROGRAM, which gives nine rules of compliance, the second (one page) was DMP PRIVACY POLICY, the third (two pages), is CLIENT AGREEMENT, and the fourth (two pages), is ARBITRATION. And I was to be bound by all of these rules (all in favor of the company) even though I had not seen them and had not agreed to them. In all the documents, The Fulfillment Center is not mentioned – only shown as a return address on the envelope. The CLIENT AGREEMENT begins with this paragraph:  “The below-named individual(s) hereafter solely and/or collectively referred to as “Client”), and the nonprofit community service organization National Budget Planners of South Florida,
    Inc, (hereafter “DMP”), hereby enter into this Client Agreement (hereafter “Agreement”), whereby Client engages DMP to provide, pursuant to the terma, conditions and probvisions of this Agreement, credit counseling and if appropriate, debt management services to Client in accordance with DMP’S Debt Management Program.  DMP and Client agree as follows:   The Fulfillment Center is not mentioned anywhere and there is no address or telephone number given for any company.  I can’t even find the company on the internet. Is this a phantom company that eludes me
    I called to cancel and was told that I had to cancel through the mail or by FAX – verbal or e-mail correspondence would not be accepted – even though they would not do without the e-mail to get someone’s e-signature.  And, oh, yes I had to FAX CEBA also. to stop that $49.00 a month. And I also have to FAX all documents to the two credit card companies.  And just to think that they could have saved me $30,000.00, and to remember those thousands of satisfied customers they have.  And they guy who said he was a manager said that this is not really a contract!!! All of the above raised my ire, and I called and filed a complaint with the FTC!!!

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