Alpha Check Express Chuck White Seven Enterprises Virtual ICC VICC fraudulent dishonest incompetent abusesive paranoid. Major slime-ball Chuck White tricked and lied to his sales representatives. a Mail Depot Conroe Texas *EDitor's Comment
Chuck White of Alpha Check Express, Seven Enterprises, Virtual ICC based in Conroe, Texas is a major con-artist, slime-ball, and user of people.
The underlying products and services of Alpha Check Express are brilliant. The plans for growth and the commission structure are great, but that is where it ends. Chuck White frequently tells people that he has a 155 IQ. Well maybe, but very little of his IQ shows and that is likely to be yet another lie along with the steady stream of bull that comes out of his mouth. This short, 5'9" pip-squeak with a BOOMING voice definitely has a inferiority complex. Nobody has any ideas that are as good as his, and he will readily tell you so. Don't like his ideas???... well hit the highway. He is definitely a "My Way or the Highway" type of a*s-hole.
So what did he do?
PRODUCTS:
There are two major products sold by Alpha Check Express. "Bad Check / NSF / Return Check Processing" and "Stored Value Master and VISA Cards". The NSF Check Processing is a valid service that is backed up by a nameless Application Service Provider(ASP) that seems to do a good job. However, Chuck White tells everyone that he is the ASP (NOT). He and his companies are simply smoke and mirrors. Once you are suckered into paying to become a sales rep, you find out that all the sales presentation materials are of the same poor quality as the various websites (see listing below) that he personally. (Yes this 155 IQ idiot put out all this schlock himself.) Good luck trying to close any major or medium sized accounts with his crap.
The other product, the Stored Value VISA/MasterCard is mainly in his mind. Chuck White may fully intend to have the product, but he does not have any signed contracts. Yet, he continues to promote his company with this really enticing product so that he can lure more Sales Reps for $149 and Sales Managers for $399.
OFFICE:
What a scam. He states that he has a small office, but primarily works at home. His small office is the size of a box at Mail Depot in Conroe. Yep, you get the picture. Staff? His wife Karen (god-bless her soul for putting up with this maniac) and one not so friendly clerk. Chuck White is a real bull s**t artist.
TRUST:
When talking with Chuck White on a deeper level, he will tell you that "I don't trust" this and that... it is a predominant theme. An old axiom is that you should beware of people that have a hard time trusting, they are likely not trustworthy. Well that old adage certainly fits this b*****d.
Well, I could go on, but if you do business with him or his companies after reading this, you should have your head examined. If you have been scammed by him, write me and I will try to see if we can put a class-action case against him.
On a parting note, the name that I am using is an alias. Chucky is big on legal threats and legal action (so he says). It is likely more bullshit since I seriously doubt he has the money to hire attorneys. By looking at his websites, contacts and misspelled agreements, it would appear that he definitely does not have much a relationship with an attorney... he probably can't even spell it... but on the chance that his legal stream of bullshit is real, I am using an alias for protection. However, the email address is valid, so please write.
This rest of the long document is aimed at getting to the top of the search engines so that this cad cannot screw more unsuspecting people.
Zan
zan_adou
PS There are other quality companies out there that do the same thing, just do a little searching.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Chucky's (Chuck White) Websites:
http://www.alphacheckexpress.com/
http://www.aceopportunity.com/
http://www.acevisamastercard.com/
http://www.virtualicc.net/
http://www.freerecovery.com/
http://www.freensfcollections.com/
http://www.hotcheckcollections.com/
and many more...
Services Promoted By Chucky...
Sell Electronic Bad Check Collections, Traditional Bad Check Collections, Bank Drafting, Bad Debt Collection, and Set Up merchants to sell our Prepaid Visa and Prepaid MasterCard.
nsf check collection, bad checks, nsf checks, check collection, collections, system, check recovery, bank drafting, EFT, software, check by phone, bank drafts, online checks, bank drafts, bank drafting, NSF, electronic, merchant, service, collectnsfchecks.com. checkmatic.com
turnkey nsf check collections, turnkey bad check collections, prepaid visa, prepaid mastercard, prepaid credit cards, stored value cards, bank of america, cross country bank, us bank, pre-paid visa, pre-paid mastercard, pre-paid credit cards, bad check collections, bad checks, nsf check collection, nsf checks, check collection, san jose, california, collections, system, check recovery, bank drafting, EFT, software, check by phone, bank drafts, accept checks online, online checks, bank drafts, bank drafting, NSF, electronic, merchant, service, evisamastercard.com, freerecovery.com, freerecovery.net, virtualicc.net
ACH Collections
ACH Check Processing
ACH Check Recovery
Accept Checks Online
Automated Billing Services
Bad Check Collections
Bounced Check Collections
Check Recovery
Electronic Bank Drafting
Electronic Funds Transfers (EFT)
E-Check Processing
Fax Check Processing
Phone Check Processing
Hot Check Collections
NSF Check Collections
NSF Check Recovery
RCK Collections
Accept Checks Online
Accts Receivable Mgmt
Bank Drafting Service
Bad Debt Collections
Bad Check Collections
Fax, Phone, & E-Check
Traditional Collections
Prepaid Visa
Prepaid MasterCard
Merchants - Do It Yourself Check Collections
Sell Electronic Bad Check Collections, Traditional Bad Check Collections, Bank Drafting, Bad Debt Collection, and Set Up merchants to sell our Prepaid Visa and Prepaid MasterCard.
nsf check collection, bad checks, nsf checks, check collection, collections, system, check recovery, bank drafting, EFT, software, check by phone, bank drafts, online checks, bank drafts, bank drafting, NSF, electronic, merchant, service, collectnsfchecks.com. checkmatic.com
turnkey nsf check collections, turnkey bad check collections, prepaid visa, prepaid mastercard, prepaid credit cards, stored value cards, bank of america, cross country bank, us bank, pre-paid visa, pre-paid mastercard, pre-paid credit cards, bad check collections, bad checks, nsf check collection, nsf checks, check collection, san jose, california, collections, system, check recovery, bank drafting, EFT, software, check by phone, bank drafts, accept checks online, online checks, bank drafts, bank drafting, NSF, electronic, merchant, service, evisamastercard.com, freerecovery.com, freerecovery.net, virtualicc.net
ACH Collections
ACH Check Processing
ACH Check Recovery
Accept Checks Online
Automated Billing Services
Bad Check Collections
Bounced Check Collections
Check Recovery
Electronic Bank Drafting
Electronic Funds Transfers (EFT)
E-Check Processing
Fax Check Processing
Phone Check Processing
Hot Check Collections
NSF Check Collections
NSF Check Recovery
RCK Collections
Accept Checks Online
Accts Receivable Mgmt
Bank Drafting Service
Bad Debt Collections
Bad Check Collections
Fax, Phone, & E-Check
Traditional Collections
Prepaid Visa
Prepaid MasterCard
Merchants - Do It Yourself Check Collections
Sell Electronic Bad Check Collections, Traditional Bad Check Collections, Bank Drafting, Bad Debt Collection, and Set Up merchants to sell our Prepaid Visa and Prepaid MasterCard.
nsf check collection, bad checks, nsf checks, check collection, collections, system, check recovery, bank drafting, EFT, software, check by phone, bank drafts, online checks, bank drafts, bank drafting, NSF, electronic, merchant, service, collectnsfchecks.com. checkmatic.com
turnkey nsf check collections, turnkey bad check collections, prepaid visa, prepaid mastercard, prepaid credit cards, stored value cards, bank of america, cross country bank, us bank, pre-paid visa, pre-paid mastercard, pre-paid credit cards, bad check collections, bad checks, nsf check collection, nsf checks, check collection, san jose, california, collections, system, check recovery, bank drafting, EFT, software, check by phone, bank drafts, accept checks online, online checks, bank drafts, bank drafting, NSF, electronic, merchant, service, evisamastercard.com, freerecovery.com, freerecovery.net, virtualicc.net
ACH Collections
ACH Check Processing
ACH Check Recovery
Accept Checks Online
Automated Billing Services
Bad Check Collections
Bounced Check Collections
Check Recovery
Electronic Bank Drafting
Electronic Funds Transfers (EFT)
E-Check Processing
Fax Check Processing
Phone Check Processing
Hot Check Collections
NSF Check Collections
NSF Check Recovery
RCK Collections
Accept Checks Online
Accts Receivable Mgmt
Bank Drafting Service
Bad Debt Collections
Bad Check Collections
Fax, Phone, & E-Check
Traditional Collections
Prepaid Visa
Prepaid MasterCard
Merchants - Do It Yourself Check Collections
Hopefully this will get to the top of the search engine!
Chucky - What goes around, comes around. Hope you get yours!
Zan
Zan
WriteMeAndWeCanDiscuss, Saskatchewan
Post your responses below
12 Updates & Rebuttals
Chris
Spring,Texas,
U.S.A.
The Saga Continues... I am still amazed at how so many people keep falling victim to the smoke and morrors.
#13Consumer Comment
Tue, January 11, 2005
To put things in perspective for everyone: You get what you pay for. What can you expect from a company, I use this term loosely when referring to ACE, that operates with only a PO box? We had another process server come by our office just before Christmas looking for Chuck and his wife Karen. I guess they screwed someone in San Antonio because the instructions on the papers said, and I quote "beware, they will lie, lie and lie more". I had to show the server my ID to prove that I was not him. I am so glad that I fired him and terminated his contract in May of 2002. The nine months he was here he did not bring in any business but always had a good story. The only thing I can say is that P T Barnham was right. At least he was out of here before he cost us our reputation and possibly being involved in all of the suits that seem to keep coming his way.
Rathell Ray Williams
Memphis,Tennessee,
U.S.A.
I am a victim of chuck white
#13Consumer Comment
Thu, December 16, 2004
I paid Alpha Express $299 to become a sale manager and I paid $29.95 a month for a website that I didn't know we had to have until I join in order to remain a sale manager. I also purchased two debit card for $19.95 each( both card were loaded with $20 each)neither card worked. neither were Alpha Cash cards, one was a superpay card. I spent hundreds of dollars on paper and printing materials. I started marketing a product or service several times, only to find out it had been put on hold or discontinued. I talked to Chuck on the phone once, he became very angry because I questioned the many delays and changes. Instead of trying to appease me, he asked if I wanted to give up my contract. I got the impression that I should never ask cetain questions again. I brought in one rep. she never got anything nor would they refund her $99. I gave her$99 back. I know I spent over a $1,000 with Alpha Express. I never made one-red cent.
They are SCAMMERS.
Rob
Emerald Hills,California,
U.S.A.
Sad how easy it is to trash people on the Internet
#13UPDATE Employee
Sat, May 22, 2004
I am deeply saddened by how easy it is to trash someone's name and reputation on the Internet without having to provide proof.
I have personally worked with this company for close to a year. They have kept every commitment they have ever made. They have delivered every product as advertised without exception.
This company and the people who own it are ethical and credible. I own and use the debit card and it works as advertised.
I have been self employed for five years and this is the third business I have run, retailing all of the check services as well as the debit
card. I have personally sold four custom card programs.
The individual who started this campaign my have experienced a delay in getting the card. That is due to this industry and not due to Mr.White being a dishonest person. I worked for another processor prior to working with Mr, White and know first hand it took the other company two years to receive a card that was promised to be delivered in six months.
The crude attack on Mr. White is not justified and speaks volumes about the character of the person who wrote it.
Brad
Ft Worth,Texas,
U.S.A.
They Moved Again, new address of 14055 FM 2920 just west of Tomball
#13Consumer Comment
Sun, March 07, 2004
Looks like Alpha Check Express is on the move again. They have a new address of 14055 FM 2920 just west of Tomball. It even has a suite number but there are no suites. Just another mail box place. I wonder how many people they can fool and rip off before they are stopped? It is no wonder that they use mail boxes for offices and Chuck White surely never picks up the mail. This is the third address he has used in the last two years. The first one was in Cypress, TX., then Conroe, TX., now in Tomball, TX. All of which have been a mail box rental store.
Patricia
Austin,Texas,
U.S.A.
Due Dilligence a Must
#13Consumer Suggestion
Sun, February 08, 2004
After some investigation into Alpha Check Express we had been told by "John" that Chuck is no longer affiliated with this company. It seems strange that he is still listed as the CEO of Alpha Check Express on some of his websites. Seems to me that "John" is just as big of a scam artist as Chuck White. After further investigation I found that they do not process any checks or ACH transactions but use another processor. They are just another middleman in the house of mirrors. This does fit with the fact that I did personally drive to Conroe, TX and the address is a mail box place like the UPS stores.
While I was in Conroe I met with another company that met all of my expectations and more. They did tell me that a couple of years ago that Chuck White was a rep for them but they ended the relationship after less than a year for undisclosed reasons. They kept it very professional and did not go into the reasons they were no longer doing business together.
Fannie
Anywhere,Texas,
U.S.A.
having done due diligence, I decided not to go along
#13Consumer Comment
Fri, October 31, 2003
Well Zan, I almost fell victim but...
I've been researching bad check collections for a month now - to get into the business. Although I did not particularly like the VICC, AlphaCheck, etc. sites (I thought they seemed very unprofessional) I was still determined to do a proper investigation.
I asked for more info and received a call from a representative. We spoke for quite some time. One thing that struck me was that whenever I asked a question about about fees or procedures, his response was that "We can change things however we want to suit you and the client." But, not having committed to anything as yet, I asked to see the contract.
Well... Once I saw the contract and read it, I was really turned off. The rep had told me that there were no hidden fees fro me or for signing up a client for processing bad checks. This was true on the face of it (because the contract did not hide it). But, there is a fee of $99 per client to get them registered in the system. There's more...
As I read the contract carefully, the first thing I noticed is that they would only accpet wired funds. Meaning that I essentially paid in cash? Which also implies I'd have a much harder time getting my money back if something went wrong (as opposed to filing a dispute with a credit card company). I also noticed things like "...market all VICC products...", "...when requested...inspection...merchant...pictures...", "...any and all quotas are met...". This is just a sample.
To keep this short, what I saw is:
a) unprofessional site
b) loose, verbal changes to 'rules'
c) a contract that seems too restrictive and has too many 'new revelations' (which were glossed over by rep)
d) a contract with too many addendums
e) a contract with obviously unprofessional wording
In summation, having done due diligence, I decided not to go along.
So there is my "productive criticsm". Hope it helps. Remember: "Let the buyer beware." Check out some of the other outfits and it should become pretty obvious real quick as to who is doing what...
signed anonymous because I don't want to get into any hassle with anybody.
Donna
Ft Worth,Texas,
U.S.A.
check and see who HIS affiliates are..
#13Consumer Comment
Sat, July 12, 2003
You may want to check and see who HIS "affiliates" (higher-ups) are.......?
ADVANCE MAGAZINE SERVICES
ADVANCED MARKETING
BUDGET MARKETING OF EASTERN OHIO
CAPITAL PROMOTIONS INC
CAY-MAY MARKETING
FALLON ENTERPRISES
J-BAR ENTERPRISES
L & T ENTERPRISES
LEE MARKETING
MAGAZINE SERVICES
RYAN ENTERPRISES
SEVEN ENTERPRIZES
SUPPLY INTERNATIONAL
T.J. ENTERPRISE
THREE RIVERS MARKETING.
Brian
Phoenixville,Pennsylvania,
U.S.A.
Criminal Charges in the works
#13Consumer Comment
Sat, July 12, 2003
I too have been ripped off by Chuck White. After getting nowhere with the texas state attorney general's office, I contacted the FTC's internet fraud commission, and they in turn forwarded the information to the Conroe city police dept. Come to find out there has been other complaints, and when officer Ferraro contacted me to get my information he informed me that they were in the process of getting a search warrant to seize the contents of his PO box. Hopefully everyone he has ever ripped off will recieve their money back, and/or he will spend quite a bit of time in prison for the fraud he has committed.
B
Dallas,Texas,
U.S.A.
A Big Lie
#13Consumer Comment
Wed, January 22, 2003
I had contacted Chuck White a few months ago and he certainly had a good talk. When I asked for references he got very indignant about it and said that I did not know the difference between a canned reference and a real one. Needless to say he would not (or did not have any) give me any references. His know it all attitude really made me rethink about this guy.
I decided to do business with another company and I am glad I did. Only after doing business with this other company for a couple of months did I find out the real story of Chuck White. He has never had an office and never processed one check nor does he own anything.
His office is a post office box in Conroe, TX and real office is a bedroom in a rent house. Up until May of 2002 he was only a rep for the company that I enjoy a very good relationship with now. From what I am able to gather not even a good rep.
I am sure that the FTC and the Postal Inspectors would like to know of his scam. They love to put people like this where they belong-JAIL. Good luck everybody and I hope you get as lucky as I did by finding a real company.
Responses Received Via Email
#130
Thu, December 12, 2002
Have you learned how to fly yet Chucky?
Here are responses/replies that I have received via email. I have edited any directly identifiable info:
1)
Hi There!
I have NO idea how you got my email address. But you hit the nail on the
head about this guy.
I had the same experience with him after I signed up and paid the $399.00 to
become a sales manager.
After he blew me off one day I quit that minute and had to wait three weeks
to even get paid for the two other reps I recruited. Who have never gotten
their money back either.
I haven't tried to recoup anything because it was my BEST friend who
recruited me nto the program. And he is one of Chucky's National Sales
Managers working for the guy still. Barely squeeking out a living, and
expecting big bucks soon form some of his salesman getting a few contracts
with several hundred stores so far. But no one has yet to recieve any of
the pre-paid master cards. None of them have yet to be delivered. They are
in the process though. Yea Right!
Anyway, thanks for the email.
Best Regards
BH
2)
Hello Zan_abou@totalise.com.uk
I read your article at http://www.ripoffreport.com/view.asp?ID=37172 . I don't know this fellow but I do know "CT" and he is the one that passed the link on over to me.
"CA" is also in this industry and unfortunately we are seeing more and more of this "Get rich quick at the expense of the ISO and the industry in general" attitude. Can you provide some info as to what this fellow did to rip you off?
Also, the opening paragraph of your article pictures this individual as "Abusesive." I believe you mean "Abusive." You might want to make the change.
Regards,
Jim E
(The earlier update that I made was in part a reply to Jim. Sorry to all about the spelling error. I saw it immediately, but there is no way for me to correct or change any prior input. Zan)
3)
Thanks Zan,
I felt the same way about this guy. Go get him, he is misleading a lot of
folks.
CT
4)
Dear Zan,
Thank you for your efforts. Here is some research that I have done:
Virtual ICC dba Alpha Check Express, an NSF Check Processing and supposed stored value credit card provider, is pure smoke and mirrors. Alpha Check Express is a creation of Chuck White and is based in Conroe, Texas. Virtual ICC is reported to be a Nevada Corp, but if you check http://sos.state.nv.us/corpsrch.asp, you will not find it listed. Whether you want to call Chuck White's company Alpha Check Express, Seven Enterprises or Virtual ICC, they are all definitely doing business in Conroe, TX. If you do a check with the Texas Secretary of State, http://www.window.state.tx.us/taxinfo/coasintr.html, you will also find that none of these entities have paid corporate franchise taxes in Texas. It is possible that all are Sole Proprietorship "doing business as" entities of Chuck White. If so, he certainly does not ever state that fact on his websites or contracts. He makes Virtual ICC appear to be a corporation.
Chuck White started his "Alpha Check Express" marketing campaign in May/June 2002 after being fired from Checkmatic Recovery Systems (http://www.checkmatic.com/) in nearby Woodlands, TX. In some of Alpha Check Express company literature, proposals and internal memos, Chuck White states that Alpha Check Express "has been conducting business nationwide for 3 years". This is strictly fiction, because the Alpha Check Express website was not registered until June 2002.
According to conversations with Chuck White, his major source of income up to this point has been through the selling of the Alpha Check Express business opportunity. After paying the business opportunity fees, representatives soon find out that there is no professional substance to Alpha Check Express.
Anyone reading this may want to consider carefully if you want to do business with Chuck White and any of his supposed entities. With Chuck, the only guarantee is that you cannot believe a word he says or writes. Alpha Check Express is truly a scam company.
WM
ps Zan, you previously asked for the real address of Alpha Check Express / Chuck White. Here is what I found in one of his nic addresses:
White, C admin@sevenenterprises.com
Seven Enterprises
18062 FM 529 #112
Cypress, Texas 77433
United States
425-675-7876 Fax -- 413-751-7044
Go get him!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
There were a few more emails, but they consisted of questions rather that comments or research.
Zan
Waco,Texas,
U.S.A.
Yep, A Smear Campaign
#13Consumer Comment
Thu, December 05, 2002
Darrell,
When I signed up, I was told by Chuck that we would have the cards by November 1st... they didn't arrive. I was later told that he knew that the first card contract was canceled when I signed up, but he did not want to lose "momentum" by telling the truth... since he believed that he would have a card contract in a few days. That is fraud.
Then he told us that we would have the cards Dec 1st... but he did not and until this day does not have a signed contract with the card companies. We have been told that we will have the cards in January. That is fraud.
He has said that he has a relationship with MoneyGram. He does not as yet. As you know, there is a moratorium on selling the cards, because a few people called MoneyGram and exposed his fraud.
He told me that he has a small office, but yet his "office" is a Mail Depot postal box. That is fraud.
He told us that we would have professional sales presentation material that we would have access to after pay money. Did you see any professional materials? All I saw was very amateurish material made by himself. He is definitely not a professional marketer. That is fraud.
He told us that Alpha Check Express has been around three years. The website was reserved in June 2002. He was fired from Checkmatic in May 2002. That is fraud. Here is what Chris Tipton of Checkmatic.com has to say:
"He used to be a rep for our company until May 2002. He was dismissed for basically doing what he is doing now only he has taken it to a higher level. He also never produced anything but a lot of talk. Fortunately for me I recognized what he was doing and where he was heading."
I signed a contract and paid money, just as you did, that gave me equity rights in all sales that I make. He later made "vesting" requirements. That is fraud.
I am not a disgruntled employee. That would imply that he pays me money. I am a disgruntled independent contractor that paid money in order to sell non-existent cards. If he were an employer, that is paying us money while he is yanking us around, the burden would be on his shoulders. That is not the case, we paid money and he continues to tell lies and half-truths in the hopes that we will continue to hang around waiting for his miracle.
On your website acevisa.net. You talk about credit cards and say "Now you can set up your merchants to sell a Prepaid Visa or Prepaid MasterCard right at their counter!" That is fraud.
Now it is your turn for proof. If you have proof that he currently has any contracts with MasterCard/VISA or for that matter, ever had any, please produce them. If you have any proof that he has been doing check collection for three years, even as an agent, please produce it. If you have any proof that VICC is really a corporation, please produce it. Is Chuck White his legal name? (The Texas AG wants to know.) Are you ready to go down with him by backing this con artist?
Smear Campaign? Yes, you are right. I intend to smear Chuck White and the fact that he is a slime ball all over the Internet.
Darrell
Anon,Alaska,
U.S.A.
Smear Campaign
#13UPDATE Employee
Thu, December 05, 2002
Well you have my attention.
You have written about his personality and the size of his office, with many negative attributes. But, you have yet to establish that it is a scam. How do I know that you aren't someone who couldn't make a go of it, or were not allowed to join for some reason and are bitter about it.
When I signed up, there was no mention of prepaid cards, and so far he has delivered what he said he would. What you are doing looks to me like a smear campaign produced by a disgruntled employee. If you have proof, please produce it.
Awaiting your reply,
Darrell (this is my real name)