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SCAMPULSE
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Reported details
In an effort to retain ownership of my home during a difficult financial period, I sought to work out an arrangement with the above parties. Instead of receiving professional, ethical guidance, I was subjected to a series of deceptive and predatory practices that have caused profound financial and emotional harm.
Summary of Allegations:
Failure to Provide a Valid Purchase Agreement: Despite numerous requests, I was never provided with a formal, legally recognized purchase agreement such as the RF401 form available through the Northeast Tennessee Association of Realtors. Instead, I received a document riddled with typos and written in an unprofessional manner—one that a mortgage representative at Rocket Mortgage advised was unusable and potentially fraudulent.
Misrepresentation of Verbal Agreements: Both Mr. McKinnon and Vic routinely referenced verbal agreements yet failed to memorialize anything in writing. McKinnon even admitted later he could not recall the conversation or terms, while still insisting Vic would "honor" the deal—despite no written documentation supporting any terms agreed upon.
Predatory Practices Resembling Equity Stripping: I was initially told that my rent payments would partially apply toward the purchase price of my home. I asked for this in writing multiple times. Nothing was ever provided. A woman I did not know even appeared in my driveway with rent forms, prompting my own research into what I later identified as equity stripping—a tactic frequently cited in cases of real estate fraud targeting vulnerable homeowners.
Falsified Documentation and Misrepresentation of Payment: Vic later sent my attorney falsified receipts and made statements claiming he had invested $80,000 in the property—yet the original (unexecuted) agreement stated he paid $100,000, which I never received. None of this has been backed by real or verifiable financial records.
Psychological Harassment and Coercion: Vic and McKinnon began calling me repeatedly, sometimes daily, seemingly in an effort to wear me down emotionally and force me to walk away from my home. This harassment has contributed to significant personal loss, including a job, extreme weight loss (100 pounds), and thousands of dollars spent attempting to resolve the issue legally.
Eviction Without Proper Process or Documentation: I have now received an eviction notice on my door stating that I must pay a $10,000 rent balance in two weeks or vacate the premises. I have no documentation explaining what portion—if any—of that amount would be applied toward ownership, as was initially represented.
Personal Background:
I am a widow, a Nurse Practitioner, and a woman in long-term recovery (10 years). I believe I was seen as a vulnerable and easy target for exploitation. However, I am now taking formal steps to bring this situation to light.
Requested Actions:
Investigate these individuals and their business practices.
Review whether these individuals are licensed with TREC or operating under licensed supervision.
Determine whether the practices outlined violate the Tennessee Consumer Protection Act or any TREC ethical guidelines.
Take appropriate disciplinary or legal action where warranted.
Supporting Documentation:
I am prepared to submit:
Written summaries of conversations.