I used HIS to get a better, real-world understanding of how to purchase investment properties, and…read moreit delivered. The information was clear, practical, and based on actual scenarios--not hype. It helped me slow down, properly analyze deals, and think more strategically instead of rushing into something that didn't make sense. In the end, it's not easy--but it works if you do.

I believe I have fallen victim to a deceptive and potentially fraudulent business scheme known as…read morethe Micro Banking Method (MBM), which is directly associated with HIS Capital, based in Orlando, Florida. I respectfully submit this letter as a personal testimony and appeal for a formal investigation into these operations, which I believe have taken advantage of me and countless others under the guise of mentorship and opportunity in real estate investing. In March 2024, I came across a compelling online advertisement featuring Rick Malero, who offered an investor starter package for $97. The promise was clear: I would be guided to invest in real estate using HIS Capital's funds for the deals I sourced. After purchasing this initial program, I was presented with multiple upsell options, which I purchased in hopes of increasing my success: * "Let Rick Fund Your First Deal" - $97 - https://microbankingmethod.com/start-here * "Microbanking Deal Analyzer" - $99 * "Fast Track Your First Deal" - $197 * "Microbanking Method" - $134 Shortly after, I scheduled a mandatory call with an "implementation specialist," Jay Guab, on March 15th. That conversation turned out to be another sales pitch--this time urging me to commit to a $10,000 or $25,000 partnership package, allegedly backed by HIS Capital. I was reassured by Jay that he was part of the program, a claim I later discovered to be false--he was merely a sales agent. I initially enrolled in the $10K HEPP package and was later "upgraded" to the $25K PEPP program, giving me access to a sparse online portal and weekly Zoom calls. I was promised that within 90 days, I would be closing real estate deals with private funding from HIS Capital, aided by their AI platform and a database of 10,000 leads. That 90-day milestone came and went--June 19th--without any functional software, usable leads, or meaningful support. I brought several deals to HIS Capital's attention, but their term sheets were unreasonable and not in line with true private money lending practices. The terms resembled predatory hard money offers. At a live event in Orlando in July 2024, held primarily at Rick Malero's church, we were again promised working software, committed team support, and partnership opportunities. Instead, we were subjected to hours of motivational speaking with very little actual value. The promised tools were either non-functional or delayed beyond reason. Meanwhile, the tone of the meetings increasingly shifted toward victim-blaming. I diligently followed every instruction, invested thousands in marketing, and attended all training sessions. I hired a virtual assistant (VA) to contact leads from the promised 10,000-person database, only to discover that most numbers were disconnected or inaccurate. I raised these concerns repeatedly, only to be told I or my VA was doing something wrong--despite screenshots proving otherwise. Eventually, in October, I successfully closed a deal in New York--a task that should have been a highlight of this experience but instead became a case study in dysfunction. The client was confused and stressed due to HIS Capital's disorganized and unprofessional processes. He ultimately closed the deal, but only after an unexpected $6,000 charge appeared at closing--something we were repeatedly told would never happen. Despite this, I was led to believe I was one of the very few who managed to close any deal at all. When I requested a list of successful members to celebrate their wins, only four names were recognizable out of about twenty, despite my active presence at events and online calls. This discrepancy raised red flags. By December, multiple members began communicating privately, expressing identical frustrations and sharing similar stories of misrepresentation, poor support, and financial loss. I spoke directly with one of Rick's partners, Louis Roque, and again received the same dismissive message: the program works--it's me that's the problem. As a consolation, I was offered leads that turned out to be completely unusable--people trying to refinance mobile homes on rented land or seeking owner-occupied financing, both of which HIS Capital doesn't support. More alarming, I discovered that Mike Giannulis and Mike Williams--key figures tied to MBM and its software development--were previously involved in a scam shut down by the FTC, known as MOBE. According to public FTC records, they were barred from operating or supporting educational business ventures. Despite this, they were active participants in MBM, raising serious legal and ethical questions. FTC Case Link: https://www.ftc.gov/legal-library/browse/cases-proceedings/192-3089-michael-giannulis In February 2025, I attended another live event. Rather than support, I was confronted and subtly shamed on stage. I was publicly singled out for having concerns, told I lacked the mindset for success, and quietly pushed to stop questioning the program. The atmosphere was cult-like

First rate customer service by Susan Roth out of the SunTrust call center in Orlando. Susan is…read more extremely helpful and knowledgeable, and definitely went the extra mile in making sure I understood all my options. She stayed patient and upbeat, which really made all the difference when feeling confused and overwhelmed. Susan also offered to follow-up when my information is received -- super classy touch! Huge thanks to Susan for being a bright spot and changing the energy of an otherwise challenging day!! Also I want to give a shout-out to Alexis Rose in Richmond, VA for also spending extra time helping me today.

A big thank you to the team over at ALM for helping my husband and I through the process of buying…read moreour first home. I worked closely with Justin and he was great, really patient and answered all of my questions thoroughly. He said there isn't a dumb question when buying a home and I sure did pepper him with a lot of questions throughout the process. He was quick to respond and always helpful. Once we got further along in the process, the rest of the team was equally as friendly, attentive and responsive. The team at ALM made an already stressful process a little bit smoother by their great service.

Can not recommend Leslie and her team more! We decided to buy a home during a pandemic without a…read morerealtor (10/10 would not recommend) and yet Leslie and team helped us pull it off. They were extremely communicative and helped us crunch the numbers time and time again until everything suited us. They were available for evening phone calls, last minute emails, and countless questions. We couldn't have done this without them holding our hands and explaining every step of the way. If you need mortgage services in Orlando, ALM and Leslie are your people!

I recently started banking here and love the services this bank has to offer…read more Customer service is excellent. If I have any issues with my account, it is addressed quickly. I have all my accounts with this bank including credit card. Highly recommend this bank.

Filed a dispute because the merchant we paid only shipped half (4 of 8) shorts we ordered. We…read moreordered in Jan and we received 4 shorts in Feb. We emailed the merchant for 3 months about the remainder of the order to no avail. We filed a dispute with NF. We sent proof where the merchant clearly apologizes and acknowledges (in April) that they still didn't fulfill the order (see attachment). Easy decision right? Wrong! NF said the merchant, yes the merchant makes the final decision if the dispute is approved or denied and since the merchant sent 4 of the 8 shorts, they denied the claim and get to keep the money for the 4 shorts we did not receive. This makes zero sense. Do yourself a favor and don't bank with them. The people there are incompetent and they care nothing about their members. Midflorida Credit Union is much better.

Excellent It's such a pleasure to work with a true knowledgeable professional. Looking forward to…read moreclosing the file !

From the owner: Mortgages, financing, refinancing, FHA, VAread more