Before Crayons LLC H2H Designs I opened a business named "Before Crayonz" so that my supposed friends Andre Daugherty and Jeanette Santiago could have a place to work. They opened fraudulent Bank accounts, and a Merchant account st Internet
Andre Daugherty and Jeanette Santiago came to me to open a tattoo studio, so they would have a place to work, after getting fired from the Jaded Dragon Tattoo studio in Killeen. I agreed to start the business. I put everything in my name.
Upon getting all of the licenses, and paying for everything so the shop could open, they went to Bank of America (in Harker Heights, TX) and opened a bank account under my EIN# without any documentation stating that they were allowed to do so. Bank of America, violated thier own policies by allowing them to do so without any proof of ownership.
They also went and opened a Merchant Credit Card Account through Sterling Payment Technologies (Harker Heights, TX) without any proof of ownership, yet another violation of a Companies policy.
The next two months Andre Daugherty and Jeanette Santiago funelled over $15,000.00 into this false Bank Account.
I have a full time Job in the United States Army, and I spent my hard earned money to create this Job opportunity for this couple whom I believed to be my friends. I had begun to wonder why we weren't making any profit, and began to investigate.
I went to the shop one evening after getting off of work, and happened to see an envelope from Bank of America, with my businesses name on it. I knew it wasn't my bank account, since months earlier I had opened a Business account with Navy Federal Credit Union.
I went to Bank of America to see exactly what the situation was, and upon showing them the paperwork stating that I was the sole managing member of the Company Bank of America immediately closed the bank account (which was at a negative balance, because they were using the bank account as their own recreational account). Bank of America also provided me with all of the documentation, that was used to opened the account. As you will see in the documents I provide to this website, anyone could tell that it was fraudulent.
I looked at the bank account statements, and found Sterling Payments several times. They were large deposits for the most part, so I decided to find this Company. Upon proving that I was the sole Owner of the Company, Sterling Payments immediately closed the account. Once presented to their legal department they happily provided me with all of the documentation used to open this account, which was once again absolutely nothing.
Niether Sterling Payments or Bank of America, feel that they are in any way responsible for my losses, even though they failed to follow "Standard Procedures". I believe that this makes them Co-Conspirators in a fraud/embezzlement/wire fraud case.
I filed a Police report with Killeen Police Department, and I hope the District Attorney picks up the case. People with that kind of character, and moral background do not deserve to walk the streets. I hope they go to jail for a long time.
I am currently beginning to pursue all parties involved for all damages to my life, because of this incident. I believe these corporations owe me at least the money that went through their accounts (not to mention all of the emotional damages that I have had to go through, trying to be a nice person and only asking for what was lost). I will also file a Lawsuit on Andre and Jeanette, because they not only stole from me, but they also created a new business with that stolen money. They changed the name by a single letter, it is now Before Crayons LLC instead of Before Crayonz LLC. I will submit supporting documentation, and I hope every person who reads this will be outraged!
I attempted to add the PDF files I have to the report, but upon request I can E-mail anything anyone would like to see. I will post some pictures of the perpetrators though.
2 Updates & Rebuttals
Pattymayo30
Valdosta,Georgia,
Just trying to lend a hand
#3General Comment
Sun, January 26, 2014
I was just reading your report. I came across this by accident when I was trying to find the guy that gave me my first tattoo. But, anyways, I think you do have a legitimate case against bank of America. They did not follow the rules. If you have not done so already you should notify the Federal Trade Commission. They monitor banks, Ferderal credit unions, and credit card companies. You should also let them know that Santiago and Daugherty opened accounts under your name. I hope you notified equifax and put a fraud alert on your accounts. Everything that you mentioned in your report regarding Daugherty and Santiago could also be federal offenses. I'm not sure if you are still in the military, but I became a victim of fraud when I was deployed. I was stuck in a desert in Africa on a naval base. My first sergeant told me to go to jag to get some advice. I don't know when all this happened or if any of this has been resolvred but I just felt terrible when I read your report. I hope everything works out!
geno7701
Fort Hood,Texas,
USA
Update to my report, Bank Of America, Sterling Payments, and the new Before Crayons
#3Author of original report
Tue, June 15, 2010
I am attaching documents which are unadulterated proof of ym accusations. I will attach a copy of my business license, which lists me as the sole member of the LLC. I will also attach the document that Jeanette Santiago signed to open the fraudulent Bank Account with Bank of America, which also includes the name of the associate who neglected to require the proper documentaion, to ensure that Jeanette Santiago was the owner of the business. I am also going to attach the document that Andre Daugherty signed with Sterling Payment Services claiming to be a Co-Owner, although he has no documentation to support such a claim. Finally I will attach a copy of a statement that Andre Daugherty signed with his previous employer "Jaded Dragon", in which he admitted to stealing $1,200.00, and never paid a dime back to them.
All of this needs to be public information. There needs to be public humiliation for those involved.
Bank of America claims to care about the welfare of the people, and doing the right thing. They admitted to me that the account was fraudulent and procedures were not followed, yet would not reimburse me for the damages incurred by their neglectfullness or even maliciousness. I do not know which it is. That employee could be a Co-Conspirator for all I know. Bank of America is responsible for the neglectful or malicious conduct of said employee. Yet they do not want to share in the responsibility of the demise of my company. They played an active role by not following their own guidelines. I expect to be fully re-imbursed for all damages incurred, that employee to be terminated, and Jeanette Santiago pursued to the fullest extent of the law. Bank of America has the power to repair this situation, and regain confidence in it's consumers. If all of the actions I described above take place I will revise this report to reflect positively on Bank of America.
Sterling Payment Services also acknowledged that said account was fraudulent, yet are also unwilling to take any actions towards restoring the reputation of their company. I also expect for Sterling Payment Services to repair what damages they have caused, whether it was inadvertant or not, they still greatly affected the quality of life of a United States Soldier, by not ensuring that Andre Daugherty was a rightful signer for said account. Iexpect to be Re-paid for all damages incurred, and Andre Daugherty to be pursued to the fullest extent of the law. When these events occur I will revise this report to reflect positively upon said Company. Restore my faith in the belief that ur Company cares about the mistakes it makes, and not just to blow off people who you feel like cannot fight for what they deserve.
I also expect Andre Daugherty and Jeanette Santiago to admit to not only the heinous crimes that they committed, but also using a FRIEND to get where they are today. They committed the most serious crimes of all, they abused the trust of a friend. Andre was about to end up being a stock boy at Wal-Mart, yet I used my hard earned money to create a business, where he could earn a living for his family. He returned the favor by embezzling at least $15,000.00 from a man who stopped at nothing to try and get him back in a position to succeed. Do everyone involved a favor and turn youselves into the Police. Your sentence might be shorter if you just admit your wrong doings, and accept responsibility for your actions. If you are able to stand up and be a man, and pay me back for all investments that i made to said company, which is in excess of $17,000.00. Oh and finally turn over the business license that you have now (which you purchased with stolen funds from me) making it my business anyway, especially when my lawyer gets done with you. One day you will realize that your statement that I was a LOSER was completely wrong. Me trusting in the good will of people, does not make me as loser, and you will soon find that out. When all of the actions stated above occur, then I will revise said report to state that you are a human being and you make mistakes. Let the people decide, I am sure the Police will be in contact with you any day, along with my Lawyer. You have an extremely short time to make your decision.