Trade Capital (TC) is a licensed lending institution that promotes a variety of personal and business credit building "tools." Based upon their advertising on their website (in which I have in JPEG format upon request), if I signed up for their Deposit Loan Program, they claimed to report the account to Experian and Transunion. They never did.
I contacted TC, who proceeded to tell me I had to sign up with a different company (Virgin Money) and they would report the account. I signed up with Virgin Money, and again, no reporting ever happened. I then requested a refund and they refused. I then threatened to file a complaint, and was threatened in the following way by the CEO, Jonathan Warren: "I assure you that your threats are taken very seriously.
Your specific, stated intent is to disrupt or sabotage our business operations. Such actions taken by you or others on your bahalf would likely constitute Intentional Interference with Contractual Relations, abuse of process and more." If this is supposed to be some sort of implied threat, it won't work on me. TC is falsely advertising credit bureau reporting with its' "Standard" Deposit Loan Program. Their conduct has been highly unethical and unprofessional.
My advice: Do not do business with this company and avoid Jonathan Warren.