Complaint Review: Eric Znoj - H.I.R. Investments - Usaccountsetup

Just an update to address some points I missed in my previous post.

In his last post here, Eric Znoj stated: ''1. Attempts were made to contact you through email & by phone.''

In an earlier posting here, though, he claimed that he did not receive my emails or calls requesting a refund. So I wonder how he got my telephone number as the only time I gave him the number was in a voicemail.

Eric Znoj proves himself to be a liar yet again.

He also stated: ''3. There is a 100% money back guarantee if the customer can provide proof that the resources proved to be of no use.''

There is no mention of proof in his guarantee. In fact it says ''no questions asked''.

He claimed that ''Links to the Disclaimer/Legal Notice can be found at the bottom of each page: Visit: usaccountsetup.com Scroll to the bottom.''

However, it is noteworthy that there is no such link at the bottom of the page where he gives his worthless guarantee.

On the payment page at his website, it states: ''Your Online Form Submission Will Be Encrypted With 1024 Bit Technology To Ensure Security Of Your Cardholder Information''

Yet the payment page is an ordinary non-secure webpage, so I wonder how he achieves this encryption.

I had my credit card reissued.

Eric Znoj states: ''Our company is run by a group of professionals.''

But at usaccountsetup.com, it states that it is run by a group of immigration lawyers. Would Eric Znoj care to be more specific? Is usaccountsetup.com run by lawyers or not? Is Eric Znoj a lawyer - as he states that he is the president?

Defraud?

Im not sure where that comes from, as Eric Znoj is the one who is in possession of my funds. And I dont expect that my efforts will result in a refund at all.

Indeed, I will settle for the alternative payback of making public the dishonest online antics of Eric Znoj so that others will be wary of enriching him.

And the more posts on the subject that appear here, the more likely that they will show up prominently in search engines when potential victims decide to do some checking on this shady character before paying him.

So I thank Eric Znoj for his cooperation in this matter. And he will be glad to know that I have ample time for posting the responses to achieve my intention.

Ordinarily, I might just leave it to the BBB and other authorities to pursue this issue, but now that I can see how many states (NH, GA, CA, FL) Eric Znoj has addresses in, I wonder if they will actually succeed in tracking him down at all.

As for the Japan authorities, I expect that Mr Kawaguchi (whoever he is?) will indeed be upset (and likely very surprised) when they turn up on his doorstep. Not that they are likely to , as this ''case'' that Eric Znoj purports to have initiated in Japan is no doubt another of his fabrications just like every post he has made here.

Hello,

This is in response to Mr. Kawaguchi's most recent message board posting.

I am a busy man Mr. Kawaguchi, and I respond to many emails daily, and as a result, grammatical errors will occur.

I don't have the time to sit all day at the computer posting time-consuming "error-free" messages about companies on the Internet that have no merit.

But, I have to commend your efforts in attempting to defraud us by twisting facts around. Although, I do not think the government agencies in Japan will find it very amusing when they contact you.

Below, you will find responses to all of your statements:

1. Attempts were made to contact you through email & by phone.

2. You state that I am a liar. You immediately bypassed us and contacted our processor. We found out from our processor that you were requesting a refund, not you.

3. There is a 100% money back guarantee if the customer can provide proof that the resources proved to be of no use.

4. Links to the Disclaimer/Legal Notice can be found at the bottom of each page: Visit: http://www.usaccountsetup.com Scroll to the bottom.

5. Our company is run by a group of professionals.

We do hope this message board posting finds you well.

Sincerely,

Eric G. Znoj

Hello,

This is in response to Mr. Kawaguchi's most recent message board posting.

I am a busy man Mr. Kawaguchi, and I respond to many emails daily, and as a result, grammatical errors will occur.

I don't have the time to sit all day at the computer posting time-consuming "error-free" messages about companies on the Internet that have no merit.

But, I have to commend your efforts in attempting to defraud us by twisting facts around. Although, I do not think the government agencies in Japan will find it very amusing when they contact you.

Below, you will find responses to all of your statements:

1. Attempts were made to contact you through email & by phone.

2. You state that I am a liar. You immediately bypassed us and contacted our processor. We found out from our processor that you were requesting a refund, not you.

3. There is a 100% money back guarantee if the customer can provide proof that the resources proved to be of no use.

4. Links to the Disclaimer/Legal Notice can be found at the bottom of each page: Visit: http://www.usaccountsetup.com Scroll to the bottom.

5. Our company is run by a group of professionals.

We do hope this message board posting finds you well.

Sincerely,

Eric G. Znoj

Eric Znoj continues with his pathetic attempts to characterize himself as the victim in this case.

The bank account that he describes in the side panel on pages of www.usaccountsetup.com is the E*trade Complete Investment Account, which is no longer available to non-US residents.

It is true that foreigners can legally open a bank account in the US, but most banks are not interested. And the majority of those that will accept foreigners will only do so if an applicant turns up in person.

I wonder if Eric Znoj is claiming that all the banks named in his product offer an account with the features described on his website.

At his website, he states: ''''You don't need [sic] open your bank account in person. Simply send your application & documentation over the Internet via their website, by Fax, Email or Postal Mail.

We have a passion for assisting foreigners to the U.S., whom [sic] never stepped [sic] foot in the country, establish their personal and business finances at the most reputable banks and financial institutions across America.

We stand behind our product 100% that [sic] we offer FULL SUPPORT for all of our customers. Should you experience any difficulty opening your NON-RESIDENT account in the U.S., we will personally assist you over the phone, email or by fax until you have an active account. Whatever it takes!!!

100% MONEY BACK GUARANTEE

If however, you should find our featured eBook to be of no use to you, simply send us an email, and we'll issue you a FULL & IMMEDIATE REFUND!!! No questions asked.'''''''

Crucial facts of this case are:

1. Eric Znoj made no attempt to respond to many emails and phone messages from me after he had been paid for his product. He also did not contact me before posting his initial rebuttal here.
2. He claims he did not receive the phone messages or emails, yet he states in his first rebuttal here that I sought a refund within minutes of viewing his product. So he has proved himself to be a liar.
3. His ''100% money backno questions asked'' guarantee is clearly stated on his website, and he continues to dishonor it.
4. The ''disclaimer'' that he mentions (usaccountsetup.com/legal.htm) is at his website, but there is no obvious link to it on any other pages and he makes no attempt in his text to draw consumers' attention to it.
5. At usaccountsetup.com/aboutus.htm, he claims that his business is ''run by a group of immigration lawyers'', yet his posts here and the text on his website are awash with grammatical and punctuation errors. Is Eric Znoj claiming to be a lawyer?

I look forward to receiving details of his ''case'' against me. I trust that this liar feels likewise about the investigations of his activities that I have instigated.

Hello,

This is in response to Mr. K's most recent post.

We offer numerous avenues for opening a Non-U.S. Resident Bank Account, which is provided in the U.S. Account Opening kit

If he doesn't know how to use the product, then we invite him to call or email us directly at any time.

Our Disclaimer can be found here:

usaccountsetup.com/legal.htm

I have been online and doing business since 1995, and have built a great reputation.

ETRADE IS NOT THE ONLY FINANCIAL INSTITUTION WHERE MR. K CAN OPEN AN INTERNATIONAL ACCOUNT, as there are many other financial institutions listed in our directory.

Mr. K certainly seems to experienced in the steps needed to defraud a business, along with committing acts of anti-trust or defamation.

His lies continue to amount, and we are documenting everything for legal action.

We also have reported him to authorities in Japan and within the U.S. regarding his recent against of anti-trust "some of which cannot be made publicly yet".

He has no merit for his complaint. Our product is up-to-date, and as stated on our web site, any one, from any country may open a bank account.

Regards,

Eric G. Znoj

I welcome Eric Znojs response here, as it is the only communication I have received from him since I asked for a refund for the defective product he supplied through usaccountsetup.com.

Just as he states, there is a list of US Bank Addresses in his U.S. Account Opening Kit. These include the addresses of Federal Reserve banks. Is Eric Znoj suggesting that I should apply there? The fact is that none of these banks specializes in accounts for non-residents.

As I already pointed out to Eric Znoj, in one of my many emails to him at his various addresses (including hotmail) that went unanswered, information about the E*trade Complete Investment Account is already freely available on the Internet. Heres one place: floodle.net/extra/ebayinfo/us_bank_account.html . In fact, I had already applied for this account and was told by E*trade that it has not been available to non-US residents since July 2007. That is why I asked Eric Znoj in advance of my order if his information was up to date and accurate. He quickly replied that it was. But requests for a refund sent later received no reply whatsoever.

In this forum, Eric Znoj refers to his company policy 'we reserve the right to without (sic) the refund if we believe there is 'an intent to defraud'.It is odd that this policy IS NOT stated on the usaccountsetup.com website. And noteworthy that the companys o questions asked money-back guarantee IS stated.

Eric Znoj wonders whether I am looking for a freebie in asking for a refund. The fact is that I already had a freebie, then he charged me for that same free (but useless) information, so I am now down $59.00 for a useless product. However, I take consolation in the knowledge that I am helping others to avoid the same experience and diverting funds away from this shady characters pockets.

Eric Znoj states that I have made a bold attempt to defraud and committed acts of Anti-Trust & Defamation since the date of his transaction. Would he care to sue me, or name any of the authorities he claims he has reported me to? I will be happy to cooperate. Also, I wonder where the Anti-Trust part of that came from

Eric Znoj states that he has no record of my emails or calls. If he did not receive my communications, then how does he know that I applied for a refund? DUH!!

He states here that I applied for a refund within minutes of receiving the information. That is true, because it was immediately plain to me that the information was out of date and useless. As for his telephone, it is manned around the clock by voicemail that neither he nor anyone else ever answers. Messages left go unanswered. I called that number at least 10 times at all different times of the day and night, and every time it was answered by a machine. He uses the same number for every one of his businesses.

It is true that I am now trying to extract some payback and warn other people away from Eric Znojs enterprises. I warned him about what action I would take if he did not refund my payment, in accordance with the terms of his guarantee, in the last email I sent him many days before I lodged the report here. I also warned him that I would be reporting him to the authorities and to his own service providers. Cases have already been lodged with the BBB, his payment processors etc. Someone will no doubt be attempting to contact him about this soon (if they have not already), and I wonder if he will have (has had) the same success with avoiding them that he has had with me.

Eric Znojs assertions, offers of assistance and guarantees are of as much use as a chocolate teapot, as he does not back them up with action and refuses to communicate.

To sum up, Eric Znoj is a conman. He typifies what gives e-commerce a bad name and does a disservice to honest merchants who ply their trade online.

Hello,

This is in response to Terry's complaint against my web site, at U.S. Account Setup.com

Mr. --- certainly did purchase our U.S. Account Opening Kit at our web site, and in the kit, included is the following:

1. A List of U.S. Banks that will open a non-resident account "specifically for foreigners",

and

2.) an International ETrade Banking/Brokerage Account.

Mr. --- immediately requested a refund within minutes of placing his order, and per company policy "we reserve the right to without the refund if we believe there is "an intent to defraud".

Opening an International Bank Account through Etrade is the only choice provided in the eBook. He has either jumped to conclusion or looking for a freebie.

Additionally, Mr. --- could not have possibly applied, reviewed & followed-up with the hundreds of resources and contacts in the guide within a few minutes of placing his order.

Mr. ---- has made a bold attempt to defraud us, and he has committed acts of Anti-Trust & Defamation since the date of his transaction.

He is very aggressive in his actions, and we have already taken the liberty to report him to the proper governing authorities.

We have no record of his emails or calls. He can call us at any time at: 1-603-997-1489

But, we don't think he will, because he is simply a Fraudulent Consumer, and we would not encourage any individual or business in conducting transactions with him.

The bottom line is that he's looking to do as much damage to our reputation as possible just so that he can successfuly defraud us from his home country, even if it means attacking web sites of ours he knows nothing about.

As far as my customer service email account goes, it hasn't changed for the past 7 years and the IP is fixed. Mr. ---- is really going out of his way to defraud us.

If Mr. ---- needs assistance with the product, we will be more than happy to provide support so that he can open a Bank Account in the U.S.


Sincerely,

Eric G. Znoj

AKA Paul R. Brennan of cruiseshipjobinsider.com, also:

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Golf Wholesale Sources.com

Government Auction List.com

Wholesale Trade Directory.com

I Want A Drink.com

NMARS.com

Shorting Stocks Online.com


Also, please take a look at the warning given at (((ROR REDACTED)))