On or around June 08, 2009 I entered into an agreement with Apex Credit Services, hereinafter ACS, where in exchange for $2400.00 ACS agreed: 1) that I would be added as an authorized user to four ten year old credit accounts in excellent standing, and; 2) that said account additions would be posted to my credit report at each of the three main credit reporting agencies i.e. Transunion, Equifax, Experian, within ninety days of the date of the agreement. With my need for the service and ACS's BBB accreditation as the determining factor I remitted payment to ACS via Visa on June 08, 2009.

On or around September 08, 2009, after the agreed upon ninety-day time period concluded, I contacted ACS to inform them that not even one of the four purchased credit accounts had posted to my report at any of the credit reporting agencies, and to express to ACS my concern and interest in some sort of remedy/relief/refund without delay. I was told that Mr. Jason Barnette was the only one who could address my concerns and that he would contact me later that day. He did not. I followed up again on the following day and again was told I would be contacted by Mr. Barnette later that day as well. I was not.

From September 10-14, 2009 I placed very many unanswered calls and unreturned messages to ACS. At which point I begin to believe I was the victim in a scam and that all calls from phone numbers associated with me were being avoided by ACS. After calling from different numbers I reached Mr. Barnette finally. He took my contact information and assured me that after he reviewed my TrueCredit.com report he would contact me later that day with some answers. He did not (of course).

Since that conversation with Mr. Barnette on September 14, 2009 I have not been contacted by anyone from ACS about this matter. Not to ask for more time. Not to assure me that they would straighten things out. Not at all. Today, September 18, 2009, I have still been unsuccessful at reaching anyone from ACS to find out anything about this matter or any remedy/relief/refund available to me. As hard as this is to swallow for me I have realized ACS is not run by an attorney for nothing. Even though I am clearly the aggrieved party in-fact and even though ACS clearly did not honor their commitment in our agreement a fight is what it will take to recover anything at all from these people. Companies such as ACS do everything imaginable to make it virtually impossible for a consumer to salvage anything even though they give absolutely nothing of value in exchange for the consumers money.

If even one of the four purchased credit accounts had posted to any credit report of mine within the 90 dat agreed upon time I would be less inclinded to believe it was the initial intent of ACS to defraud me. If I had not forwarded (via facsimile) photocopies of my ID and Social to ACS it could even be argued a mistake was made with correctly reporting my information.

If the behavior of ACS, acts and omissions, since they were first made aware of this issue weren't so unambiguously suggestive fraud, theft, and conversion is the true nature of the business ACS/Jason Barnette are involved in I wouldn't feel so compelled to appeal to third parties to intervene on my behalf as I have.

Most importantly in my mind if these people acted in good faith a client would not have to hunt them down when a situation like this arises, calling and calling, leaving message after message, calling from different numbers. Especially, when they know they've taken your $2400.00 to provide a service within a stated time that was not provided. They are human as I am and they know I am concerned about my money and yet they refuse to address my concerns in any manner.

The fact of the matter is they made an offer I accepted. I paid them $2400.00. For 4 ten year old AU accounts to be posted to my credit reports, respectively, in 90 days. 90 days have passed. And I have not one tradeline. They still have all my money. Now they avoid my calls and don't return my messages. Does APC sound like someone you would like to do business with. The icing on the cake...they are accredited by the BBB. Only in America! In addition to this Report I have also submit complaints too BBB, FTC, and the Attorney General of West Virginia and Texas. Lastly, adding insult to injury I continue to see ACS advertising the same service without warning potential clients all their money could be lost without receiving anything while ACS hides and prepares for legal battle. Beware!