Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: ACE Midland Holdings
State: TX

Complaint narrative:
Back in XXXX of 2025 we were referred to this agency ACE CREDIT CONSULTING by a broker/realtor by the name of XXXX, who personally knew XXXX XXXX and who he sends people to in order to get their credit scores up and to work on their credit, in order for their scores to be high enough for him to loan on a house. XXXX was very aware of our credit history and scores and told us if we would do this program that he would be able to get us an FHA loan or a USDA home loan based on everything he knew about concerning our credit history and the hardship we went through that caused us to have charge offs and unpaid loans from the past. he told us that we would be surprised in how many people he was willing to help that he referred to ACE CREDIT REPAIR, yet they did not follow through with the requirements or with the " PLAN '' of direction to get their credit scores up high enough for him to be able to help them. He knew how determined we were because we were turned down by him and his help previously because of our credit scores and things on our credit. But this time around he sent us to XXXX who he's been partnered with to help people with their credit. So, we reached out to XXXX XXXX at ACE CREDIT CONSULTING, and she explained how everything worked and the steps that we would take in order to get our scores up high enough for her friend XXXX to help us get into our FIRST home together. We were told that we had to make an upfront payment of over {$1000.00} each and then we both would have to pay a monthly payment of {$120.00} each for the course over the next 6-8 months depending on how long it would take to get our scores up. Not only that but we were having to pay {$29.00} each, every month for them to be able to look at our progress with our credit to a place called XXXX XXXX XXXX XXXX. We did all the work, everything they asked us to do, and they got their payments every month from both of us. When we began this with them, they would NOT start on anything as far as in sending out disputes until a payment was made, but even though we had over XXXX in our savings account we told XXXX we couldn't afford to pay over {$2000.00} up front so she made an arrangement for payments and my husband had to pay his first payment of {$510.00} on XX/XX/year> and the second part of his {$1000.00} on XX/XX/year> of {$500.00}. There was nothing done or sent out until AFTER they took his first payment of {$510.00} and that's when my husband and I got our first emails that XXXX XXXX sent out disputes supposedly to all credit bureaus and debt XXXX on our credit report. After that several weeks went by before we got our first phone call from our point of contact from a person from ACE to discuss any updates they had and to " CHECK IN '' with us. Then on XX/XX/year>, they took the second payment from my husband of {$500.00} before they sent out anymore EMAILS or letters on my husband 's behalf and nothing else on mine. So, after that second payment of his half of the {$2000.00} they started to take payments on my half of the {$2000.00} of the down payment fee, the withdrew the first payment of {$330.00} on or close to XX/XX/year> and after that payment I finally got another email from XXXX XXXX of emails saying who he supposedly sent letters out to on my behalf. Then on XXXX XXXX and XX/XX/year>, and the same thing followed after each payment I got an email of places he was supposed to have sent a letter to on my behalf. Then starting on XX/XX/year>, they started taking {$120.00} from both of us and after they got the payment that same day a lady would call us telling XXXX where we were at and updated us on our scores and asked us questions and asked if we had any questions, Unless I reached out to XXXX of them by phone call or text we never heard from them except once a month and that would be on the same day after they got their {$250.00} total payment is when the lady would call. Plus, we were having to BOTH pay the {$29.00} fee each for them to look at our credit reports each month on the same time frame they would get the monthly payment and give the phone call. We each were told to open a credit card at the same place and were told to get a friend or family member to add us to XXXX of their credit card accounts that had a high credit and so my sister and mom helped us with that, so we did EVEYTHING we were told to do and not XXXX TIME did XXXX ever reach out to us until the end of the 6 months when we were told we were ready to move forward with XXXX, and then even after all the work, upfront fees and payments he still turned us down and said it was nothing " PERSONAL ''. They used our hopes, desires, and wishes against us and took all that money from XXXX knowing he would STILL turn us away. I told XXXX we weren't satisfied, we felt like we were taken advantage of, and that they did us wrong by charging upfront fees when we later told they were not supposed to take any payments until they did the work. XXXX had us to call all three credit bureaus to get them to remove the DISPUTE remarks in the comments in order for XXXX to even be able to do a loan, and when XXXX of them wanted me and him to acknowledge and agree to what was on our credit report before they would remove it, I reached out to XXXX to see if we should agree to what was on our report on a specific dispute in order for them to remove the dispute her words in a text to me was " If that is what they are saying to do, do it if it will get you into the house ''. You would think that we would be able to move on from this, but we haven't been able to because they put us in another hardship exhausting all our money that we had in our savings account that XXXX knew we had because of all the bank statements he wanted from us, knowing what we had been through. They took advantage of us until that money was gone. I have more information to provide if neede to support our claim.

Company response to consumer: Untimely response