Complaint Review: Dave Musk--Pavilion Capital Group

"Everything we hear is an opinion, not a fact. Everything we see is a perspective, not the truth." 

Update from a friend of Dave's...I feel I must come forward.

Dave Musk was exonerated of mistaken false arrest charges and has proven his innocence from his June 23 situation. It is not almost November and Dave is enjoying time with his grand daughter each day he can. He never stole money and it was proven only collected legal processing business consulting fees of $600.00 per file to process and actually close transactions. Nothing larger than that and he offered refunds to anyone who was not happy with his consulting services and did refund many.

He is semi retired now from great success in that business venture and just manages his other investments and has no need to solicit new business at this time. What prompted a false arrest was that there were many calls to various government authorities wondering "who" this man was by confused impatient people and/or disgruntled dishonest employees who Dave had fired for dishonesty,being lazy,disrutpive,incompetent,etc... and this prompted a very poor investigation on him and let to the false very weak charges.

Authorities just saw large amounts of money in his accounts come in very quickly over a year period, a short period of time it was and assumed nefarious activities. The mortgage business was in a bad way and still is,so due to a bad investigator things went too far. Feds like the element of surprise he found out to catch something on a search,so they never just want to sit down and give someone a chance to explain. Although that might work on a meth lab, it does not work on an honest business that could have just sat down and proven that things were fine and not illegal,just successful profits from a good business model. It really defames someone and the process is just wrong and needs to be changed.

Dave is well liked and has many friends so his support in this was overwhelming and a blessing to get through a bad time in life. Once Dave sorted out all his wealth deposits from all his various business sources he owns in order to prove they were all legit he was quickly exonerated. He successfully has help many people in his 28 year career,comes from an very honest good family background and is a very good man. Dane and Dave are not connected and two separate people.

 It appears that two disgruntled dishonest dismissed ex-employees that he knows were not able to let things go and started a "slurp" campaign to defame a good man. Let this be a caution that a bad hire of people with drug or mental issues can cause great stress and time on a business as well as on the employer personally,so hire wisely in the future. trying to give someone a second chance in life sometimes backfires.

 I can only pray that God can heal them of their personal issues,so they do not do this to anyone else.

Feel free to contact authorities anytime if you feel the need to verify the truth.

Dave is an honest good man and doing well to this day.

God Bless all.

Dave Musk is hiding his identity and calling himself Dane Musk now. He contacted me stating that he is legitimate and claimed that he has been written up in magazines to prove it.  I was not able to obtain proof of the existing magazines only articles that he faxed to me. 
After doing research on him I found many red flags.  Yes, he did have a license at one time but it is expired over 2 years ago.  His website has also been shut down.  I was able to look up his address on the county website but when he cammed me the inside of his home it was bare, like he was squatting. 

He is now collecting $25k "due diligence" fees in behalf of a company called Trilateral http://www.trilatcd.com/index.html  He sent me a list of the investors.  I was only able to verify the name of one person and they are only a contractor.  I was not able to find a single deal that they did and when I research the business I discovered that the website was new.  I asked him for referances and he made the excuse that their deals were private.

He claimed to be able to turn funds around for investments in a matter of days but when I sent him a deal he kept stalling.  I was in contact by other people that have also sent him deals and he was not able to show a single closing.

He wanted me to visit him and said that he would pay for a visa but when the time came he was missing in action.  Again he offered me some funding to start my business but again after I shared sensitive information with him he said oh no, I would never do a website deal.  He knew that it was a website deal before I shared my information.  He came up short time and time again. 

He also refuses to sign NDNC agreements and his phone and fax number are often changing.

He claims that he is in Madeira Portugal for several months out of the year but would not show me his view from his window and he is in none of the photographs that he claims of places that he has visited in the UK.

He has sent me forwarded e-mails of funds that he claims that he has received but when I examined the header of the e-mails they were not forwarded.  He has several different cell phone numbers and is always in fear that people will find him, claiming that when he is not able to fund someone they get mad.

On a side note. He claims to have an IQ of 164 but his vocabulary is very crude, even offensive at times.

There are many more lies but they are in more of a personal nature.

Notice: After 2 years after my original rip off complaint, now it looks like Dave L Musk has been arrested again in Nebraska by th FBI June 23, 2010 for wire fraud associated with Pavilion Commercial Group!!!

This guy is a crook and I knew it was only a matter of time that the words I spoke to him when he ripped me off would come true. I told him he would be in prison within 5 years!!!

Now for al the people that he ripped off, pray justice will be served and he gets the maximum 20 years.

Everything he wrote about me and my friend was a lie. Im just so pleased to see that he has been arrested finally! Thank you to all my friends in the mortgage industry for allerting me to the new charges!!

I let it all go over 2 years ago and he walked away wth all my money, but I knew that God would have His day with Mr Musk.

John in Iowa!! Can you say oooooha!!!!!

The BBB rating is satisfactory. This is a good company. Here is the link.

http://nebraska.bbb.org/WWWRoot/Report.aspx?site=135&bbb=0714&firm=135001962

I was googleing and found your site here.

I checked this guy out and he is legit and very real.
Dave Musk owns a commercial company Pavilion Commercial Group, LLC and Ron Penzkowski owns a residential company called Pavilion Capital Group,LLC. They are two separate Limited Liability Corporations. Dave does mainly commercial lending projects over $10 Million and Ron does residential.

You can easily check at the State Capital and see each separate company or contact either company direct for a copy of their stamped articles of incorporation. Each corporation is licensed at a separate address for over 9 years. Pavilion always worked in all 50 states with federally chartered banking relationship,so do not require individual licenses since the bank does their own due diligence each year per law.

Dave Musk of Pavilion Commercial Group,LLC was the victim of identity theft by another person who had his same exact name in 1999. It is not his social on the report (I have his passport and license copy) and I searched his past addresses and he never lived at the address on the report or worked at the employer on the report either.

The lender Dave Musk has never had a criminal record and that is how he is still in business since this happening in 2001. Only confused or maybe jealous people or people who Dave did not please for whatever reason,his or theirs, who want to cause trouble are spreading incorrect information on the net.

I checked this guy out,saw financials in person,etc. He is legit and very real. You can do the same yourself. I have closed some big commercial transactions with Dave so far and have more in process. If anyone wants proof email me and if you want to talk,put your phone number. I like this site. Hello everyone here.

Ted Damanski mortgagemanloans@aol.com

Proof of professional memberships that check annually for violations to verify that there is not issues with the past and that this posted report

Proof of professional memberships that check annually for violations to verify that there is not issues with the past and that this posted report is all made up.

Some proof of professional memberships that require 'annual' background checks and proof have been a member for years.

www.cambweb.org

member #28151 since 2001California Mortgage Broker Association (CAMB)
Affiliate Member http://www.cambweb.org/main/page/MemberSearch

http://www.oabr.com/MemberWebsites/MemberSearch/tabid/83/QueryType/Member/SearchPhrase/Musk/Default.aspx
Membership Info Omaha Area Board of Realtors Member No: 90856 since 1997Office Name: Pavilion Capital Group

National Association of Mortgage Brokers
www.namb.org
Member 900355 since 1997
Certification(s): Certified Mortgage Planner, Commercial Hedge Fund Facilitator http://www.namb.org/assnfe/SearchMembers.asp?MODE=VIEW&TYPE=NORMAL&ID=900355&SNID=19844866

Member Search Results (1 shown of 1) Back Last Name First Name Organization Certification City State Zip 1 Musk, David, Pavilion Capital Group, LLC Omaha Nebraska 68154

Find a Member http://www.namb.org/assnfe/SearchMembers.asp

correct phone number 1 402 778 5090.

Pavilion managment

I am in contact with one of the 2 complaintants against Dave Musk --true

They contacted me through my questions about Dave Musk on Broker Outpost. That is how he found me. I never found him.

I actually just spoke to him 4/8/2008 and he knows that he contacted me first. He told me everything that confirms truth. He is a very nice person and seems to have several of the same issues.

I also have spoken directly with people within the organization that also are ready to get the truth out.


Thank you

We cannot believe how one man named S. Webb with too much time on his hands can create such pure fantasy. We are really sad for him. The time wasted on all this is so unproductive. We could be helping more people!

Ron has 9 years of mortgage experience with a 4 year degree is the residential loan officer and sole owner. Dave with 25 years experience with a 4 year degree has held many top management positions over the years with fortune 500 mortgage banking corporations, been very active in many service organizations,church activities and charities and has many top producer mortgage sales awards, before early semi retiring about 7 years ago to manage his investments, consult and travel. Dave is a business consultant, motivational speaker, a mortgage trainer, Internet lead provider, a marketing engine and is a commercial loan officer. Dave can do this type of business in Nebraska and about anywhere commercial lending, mortgage training, business consulting, public speaking and Internet leads sales are allowed.

Again the training is always free and students always buy leads to work in order to apply the training. This S. Webb man has now gone beyond defaming character into pure "fantasy island" now. We shall hopefully surely see him in court for posting outrageous untrue statements. He is obviously extremely delusional and evil.

With the volume of loans closed over the past 10 years really three minor complaints are not bad, but we still wish we had none. This S. Webb man found and spoke to this Johnny and got this simple down to earth mechanic man all fired up to post lies many times over, months after his situation was resolved and he had moved on, that were told directly to him by Mr. S Webb. Really to take the time and do that, really shows malice.

There are no FBI, Attorney General, Banking Commission complaints, Prison Time, etc. issues now or at any time in our lives. Again we just went through two different very detailed annual state audits in the office in March 2008 with a perfect rating, that surely would have uncovered anything of this sort. All this is of record and can be verified easily.

Please do your due diligence and you will see the truth. We only post what we observed and were told by S. Webb about himself directly to us and what we observed from any other situations here. Sure we are human and make mistakes, but we learn from our mistakes and grow stronger and proactive. We cannot control human nature, confusion or ignorance. S. Webb is just causing trouble over a contract salary dispute that his signed contract justifies. He lacks the skill set to be a member of our corporation at Pavilion and his firing or dismissal has really made him insane. We wish he would get some help, grow up and just go on with his life and stop harassing us. We can only hope with all this attention he has brought upon himself that the authorities will audit him and start to poke around his life and " home basement " office to see what RESPA and TIL Federal Lending violations are afoot or what "illegal substance" residue that might find! Karma is a force to be admired.

We are here to help people learn the mortgage business, expand their business with more knowledge and Internet Mortgage leads or to obtain commercial or residential financing. We enjoy what we do and feel we are very good at what we do. We have helped so many people over the years. We are 100% in line, legal and continue to grow successful each year. I know these facts speak for themselves. These attacks only make us stronger.

Be well.

Pavilion Capital Group, LLC
Management

I want to respond to all the lies that I can that Dave Musk is speaking.

First off---Do you as the consumer or loan officer think that people would really be filing these reports if the info was not true????


Secondly--Do you as the consumer or loan officer see that myself, Johnny(from the other rip off report)or Teri(from the other rip off report)are all being cut down for our hand writing, our education, and our status in life???? Do you notice at all that he brags so much about his degrees and all of hte other things that he uses to suck people into the trap???Hopefully you all have ears to hear and eyes to see the truth behind this.

I feel no matter what Dave Musk says about me or the other people that have posted ripoffs about him, the most important thing in all of this is to protect others.

Its funny I sure sound bad from what he is saying!!! But have never ever had one complaint against me or my company. Not with the BBB, nor Commerce, nor Attorney General, no criminal charges, no nothing.

I may not have alot of money, that is true, but I sure can tell the truth, and its about time this guy goes down.

But the truth is it is not my job to take him down--God will do it. And it seems that He is!!!

Dave Musk is a sociopath and a master at manipulation, and a criminal.

Bottom line is that he stole my money. I have a contract to prove it.

Truth----I am a recovering addict with over 1.5 years of sobriety.

My partner and I were completely sober and on time---

I have never been in a strip club in my entire life----

The trainging class is $2000 we have the canceled check to prove it.

I have never lost my drivers license ever-----

I have 3.5 years of college education-----

I am definetly not going through a nasty divorce-----

I have never cheated on my wife----ever

I could go on but I wont.

Dave Musk is slowly being uncovered and he is swinging for the fences trying to protect himself, but hopefully the FBI is doing something and also Fannie Mae Investigations for allegation concerning the other rip off report that has been filed.


********Please consumers and loan officers--- call Department of Banking in Omaha and you will see that he is a convicted felon for identity theft and he cannot do Nebraska business because of that, or be on anything that has to do with the company*************

That is why everything is in Ron Penskowskis name. The company, applications---everything is in Ron's name.

Dave Musk hopefully will soon be in prison where he belongs.


This is the last time that I will reply to any of this.

One needs to consider the character of the individual of this post. I am surprised this site allows anything to be posted here! I am being very honest and up front about this person in what I have observed over time and was told to us by this man. I am sad he is so vitriolic but we have done nothing wrong. This man is a very confused person who needs love and care from someone who may know how to help him. And the sooner the better, for his sake.

Pavilion Capital Group,LLC tried to train this man and a "friend" he brought with him in our corporate office,I think in around January of 2006. They are both white. He is about 42 and the "friend" is maybe 36. He interviewed well on the phone,has some writing skills as you can see here. He spoke to us for about one year before arriving to take the class. He needed the money to buy our leads he told us or he would have been here sooner. The training class is always free. Both arrived two hours late for the class that day in dirty workout clothes,unshaven and with a very negative attitude. His "friend" was the same way. They said they had hang overs and had stopped at a strip club! With time the friendship between these two broke apart because of his strange behaviors.

He later told us, before he left, that he was a recovering drug addict (addicted to pot) and was in the middle of a nasty divorce. He made a very crude pass at the Hispanic female janitors as we walked them to the car so they could leave. He said he met his "soon to be ex-wife" that he cheated on in Mexico,she is not a legal citizen here,had two little babies with him a year apart and then some other crude things about women. He had no college education,barely graduated from High School and the only thing he did was sell used cars in his life. He did not have a driver's license and that is why his "friend" who had sold cars with him once,drove him from MN. We did run a police check on him and found nothing. Although his credit was horrible,we decided to try to help him.

He was the person with the crude comments,swore a lot and we were in awe of his extreme un- professionalism. We told him we do not like that kind of talk,that we are both married men and to refrained from this behavior. He did settle down a little after that. He had been preaching religious things to us before he arrived and said he was a Christian man! He would take no direction to our ethical standards and they both said "they know how to sell" . He was the leader and the "friend" would just do what he told him. They seemed disoriented and perhaps under the influence.

He left the class two hours early, but did tell us he really enjoyed the class. He did buy some large orders of Internet leads from us we sold him,but had no skill or polish to close even one transaction. We were glad that he was out of our lives or so we thought! We have had over 83 very successful students since 2001 attend the free class and then buy our Internet leads. We sell the leads at cost and need the student to close a loan to make a profit. Each student must be a licensed loan officer in the states that they call and he was in MN and WI. We verified this on the state web sites. We do high volume of mainly high ticket commercial loans,but we also close some residential transactions. He knew little about the lending laws and was just a refinance application "hack" taker for sub prime type loans. Their loan applications were incomplete and messy,almost impossible to read!

We also told him you need can not process your own loans legally and need a third party processor for fraud control. He just rudely scoffed at that fact. He never gave us any proof of his closed loan volume and I suspect he is not being up front about his "40 closed loans in 2008". It is only April and we, one of the nations top producing firms with over 50 leads a day to call, have barely done that in this down mortgage market. We submit audited financials to many trade publication lists to prove our standings and market our company! We can substantiate our figures!

He did nothing with us after that until December of 2007. He then called very frantic and told us that he had a fight with the company that held his Wisconsin license and needed to close a full loan file ready to go!

At first we told him no. He begged us for several days to allow him to place his license with us. He told us he was broke and was going to file bankruptcy once again. We are kind people who like to help people and finally agreed to help him so long as he did all the work on the file. Only then did we realize our mistake. He constantly called us with simple questions and had great difficulty mastering the process. We spent hours of our time with him requesting he ship us the file to audit so we could submit to the underwriter. We never spoke directly to the borrower,because we had the necessary authorizations from the client and we knew client's identity would be verified at closing.

When we finally received the loan file it was a total mess and we essentially had to start over. The file needed to be completely repackaged before the file was sent to the investor for review. The appraisal was not even in our name and had to be corrected. Once he called and was either drunk of high! We told him this would be his first and last file with Pavilion. He was paid per contract and received what he was due.

He was immediately paid his 25% of the gross check when it arrived in our office per the contract he signed and even got a hundred or so more as a bonus! He knows we are in the right per contract law and will not dare sue us or even have the money to try! Now he is constantly harassing us,since December with threatening phone calls to work,cell and home ( he said he was going to go talk to our families!) and emails to us (we saved them all for the authorities). He is the one who threatened to do bodily harm to us first and we just told him we will protect ourselves and he is being just stupid! His business is down,so he has the time to do this foolishness!

Now he posts this made up fabricated story on this site to try to harass us some more and hurt our business. WE HAVE CALLED ALL OF OUR CURRENT AND EX-STUDENTS and NO ONE has spoken with this man,nor will they have anything bad to say about Pavilion. We are good people and do the right thing. This is a bad man and what he is doing is wrong here! We have twenty five years of lending experience. We just passed two different required annual state audits and are in order here!

It sure was a big mistake to try to give him a shot at a new career helping people achieve the American dream of home ownership and expand our service! Since we meet him we are keeping our standards very high and using more quality control steps to assure that this type of person stays out of this business. We regret you out there have to see that this type of person is still in the mortgage business,but hopefully for not very much longer!


Sincerely,


Pavilion Capital Group,LLC
Management