First came the hail storm that damaged the roof of Wisconsin retiree Carol Cramer’s house. Then came the deluge of calls and emails to the contractor who allegedly agreed to fix the damage but then took the deposit and disappeared.
Cramer told Green Bay’s WBAY-TV news that she and her husband paid $7,913.99 to local home repair company Exterior Solutions to fix their roof after a June storm, only for the September deadline to start work pass.
After exhausting all attempts to contact the company, Cramer made a bold move: she showed up on company owner Dustin Marks’s doorstep. Marks wasn’t home, but Cramer told WBAY-TV that “I did talk to his wife, and she informed me that she had set up a text chain, that there had been numerous people that had been reaching out to her.”
Thanks for subscribing!
The money news that actually matters.
By signing up, you accept Moneywise Terms of Use, Subscription Agreement, and Privacy Policy.
The text chain, evidently, connected around 20 alleged victims, including other retirees, who said they paid Exterior Solutions thousands of dollars for home repair work that never got done — some of whom eventually filed claims in court against the company to recoup their money. WBAY-TV said that Marks skipped two of those court appearances.
A growing threat to homeowners
Moneywise reached out to Marks but didn’t hear back, though his company’s website is no longer active. We also reached out to the sheriff’s offices in Kewaunee and Shawano Counties, which confirmed to WBAY-TV that they’d opened investigations into Exterior Solutions.
Kewaunee’s Sheriff Joski told Moneywise that he is unable to comment on the case, as it is part of an ongoing investigation. The Shawano County Sheriff’s Office did not reply to Moneywise’s questions by press deadline.
But WBAY-TV noted that Marks provided a statement to them, saying “Exterior Solutions was a family owned and operated company going through extensive personal problems.”
They added that he paid off $43,000 in business tax warrants in July and that he had referred at least one of the victims to his bankruptcy attorney. His attorney did not return Moneywise’s request for comment.
The alleged victims in the Exterior Solutions case are still attempting to recoup their losses, while the charges against the company haven’t been proven in court.
But when it comes to confirmed fraud cases, the National Insurance Crime Bureau (NICB) reported that “instances of contractor fraud increased 38% from 2023 to 2025.”
“Home repair fraudsters commonly target vulnerable consumers such as senior citizens, disabled individuals, and first-time homebuyers,” the Department of Housing and Urban Development Office of Inspector General (OIG) warned.
They, and others, noted that fraudsters also often prey on disaster victims.
Overall, home owners across the U.S. and Canada lost a median $1,405 last year to home repair fraud according to the Better Business Bureau — though, among the top 10% of victims, the median losses jumped to $14,050.
Scammers often employ tell-tale tactics to con their victims, the FTC said, including asking them to sign a blank contract, attempting to convince them to hand over insurance money, insisting on wire transfer, crypto or gift cards as payment and claiming that having a valid contractor’s license isn’t necessary.
But experts also say that there are ways to help ensure that the contractor you hire to fix your home will do the job right — and to try and recoup your losses if they stop showing up.
Must Read
- Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
- The tax breaks in Trump's 'big beautiful bill' expire after 2028. Here are 4 moves to make before the window closes
How to protect your home and money
When looking for a contractor to complete home repairs, the FTC recommends doing background research on potential hires, asking trusted friends and relatives for referrals, getting multiple estimates from different companies, ensuring all agreed upon details of the job are in the contract and to never sign a blank contract or pay the full amount up front.
To that end, the Georgia Attorney General’s Consumer Protection Division advises “only pay your contractor a reasonable deposit — typically 10 percent, but no more than 25 percent, of the total contract price cost,” while ensuring a right to a refund if the contractor fails to appear is written into the contract.
And if the contractor doesn’t show up after you’ve paid the deposit, and you don’t have a refund provision in your contract, the Consumer Protection Division added that attempting to reach out to them — including sending a formal certified letter asking for a refund — and reporting them to a local or state contractor licensing board are also options.
You can also take them to court, in which case it’s a good idea to gather all contracts and receipts and any other documentation or communications with them about the job.
They added that, if you paid the deposit via credit card, you can dispute the payment by explaining the issue to the credit card company. But a successful credit card dispute typically has to take place within 90 days of the charge, so your timing on that is particularly important.
The hope, however, is that it won’t come to credit card disputes and court cases. Taking the time to vet and hire the best contractor for your needs will help ensure that the job gets done properly, on time and without any added stress to you or your wallet.
You May Also Like
- Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAP
- A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change
Mike Crisolago is a Sr. Staff Reporter at Moneywise with nearly 20 years of experience working as a journalist, editor, content strategist and podcast host. He specializes in personal finance writing related to the 50-plus demographic and retirement, as well as politics and lifestyle content.
