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  • Report:  #341536

Complaint Review: EZUnsecured.com - SBFS Group - Jade Rock Enterprises - JRE; - Carson City Nevada

Reported By:
- Corapeake, North Carolina,
Submitted:
Updated:

EZUnsecured.com - SBFS Group - Jade Rock Enterprises - JRE;
1802 North Carson Street, Suite 212 Carson City, 89701 Nevada, U.S.A.
Phone:
800-201-0001
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
I am a small business owner and I recently started looking for a unsecured line of credit for my business to use to grow. Thanks to Google I found www.EZUnsecured.com where "No Time + No Collateral = No Problem"... If that isn't false advertizing I don't know what is.

I contacted these people on June the 4th, 2008. Talked to Paul Dillingham and submitted full financial Documentation ... I mean all of it, Tax Returns for 2 Years Financial Loan Applications... the works. Paul told me youll be on the $200 "Expert Review Fee" and 8% Success Fee Level. He said we shouldnt have a problem you look great. Which is what I already new. I know I have excellent credit personally and Business wise. I was told he would submit my file to the under-writer and I should hear from them with in 3 business days.

Well on June the 12th I hadn't heard from anyone so I called Paul back and left a message. We finally got to talk late on Friday after noon (June 13th) and he said call him Monday and he would get the under-writer on the phone and we could all figure out what was going on. So Monday (June 16th) I call him and he said I should get an email from Pam (who is his boss)

I check my email and there is an email from Pamela Diaz with my "Expert Review" It says she is missing proof of EIN and Business License ect... (Which I remember giving Paul) but then it says, "VERY IMPORTANT: You are currently using an average of 57% of your available Credit on your Personal Credit Cards. Before we can proceed with Lender Submissions, we will need you to pay down these Credit Card Accounts so that the balance on each Account is NO MORE than 30% of each Account's Credit Limit." It goes on the say my balances are $#### and so forth.

I was shocked; I don't carry substantial balances on my credit cards. In fact most of the time I don't carry a balance at all let alone 57% of my limits! I immediately called my credit card companies to check my balances and sure enough the numbers Pamela had given me were incorrect. THE Amounts where actually my available credit limits and not my balance owed. I immediately sent her copies of the previous month statements showing that she had obviously made an error.

Pamela returned my email saying she needed me to sign an information release (which I assumed was to aid in submitting loan apps) and another Credit Card Authorization form. This sent up a red flag for me. I emailed her back asking why and this was her response:

Can you please sign these for your re-scores and send back to me at 866-381-2981.

Thank You

Pamela Diaz

Credit Analyst Supervisor

EZUnsecured.com

800-201-0001 EXT 804 Direct

866-381-2981 Fax

800-201-0001 Main Office

www.EZUnsecured.com

Now after I ask what these are for why would you respond in this manner? So I asked her again and got this response:

I need your SS# on the form and Jade Rock is our company who does your re-score with Fundingsuite- You are being charged for the rapid re-score costs.

Thank You

Pamela Diaz

Credit Analyst Supervisor

EZUnsecured.com

800-201-0001 EXT 804 Direct

866-381-2981 Fax

800-201-0001 Main Office

www.EZUnsecured.com

Charged for Re-Score? I emailed her again asking her why she needed to charge me for re-scoring her mistakes. Finally she called me and said it is in your contract that any re-scoring they have to do is $250 per account! I looked and sure enough there it is in the contract. But it says, "Rapid Rescores to update or correct items in your credit report.." So I said I want to see my credit report you pulled because I have never even carry a balance of this amount and I have never seen an error of such a nature reported on my credit monitoring services.

Pamela emailed me the report and I was right... no errors of that nature. Now neither she nor Paul will answer there phones. So I am out $200 for someone else's mistake and if I wasn't so diligent about my own credit or If had a less questioning attitude I could have easily lost an additional $500 or more while they preformed there "Rapid Rescores" of their "Expert Review."

I fell like these people are predatory in nature. They Advertise easy and seemingly stress free means for small business owners to achieve our goals and dreams all while they are actually trying to pick pocket you! All I really want is my $200 back or for them to deliver what they conveyed as an achievable result. But neither will probably happen. The best thing I can do at this point is pray that this post will help some other entrepreneur from falling victim to these internet pick-pockets.

Suffolk, va

Corapeake, North Carolina

U.S.A.


5 Updates & Rebuttals

Karla- Ezunsecured.com

Reno,
Nevada,
U.S.A.
In Respose to "Does not add up"

#2UPDATE Employee

Wed, October 22, 2008

Biz7922 Sun City, California U.S.A. Does not add up P. Diaz has her address from El Cajon, CA but yet she is supposed to work in Nevada. Do you fly everyday to Nevada? How can you be a customer service manager who lives in San Diego, CA but works in Nevada? This does not make sense. Why would you even take the time to post this ridiculous comment? Of course she does not fly to work everyday. It's called TELECOMMUTING...if you still need me to define that for you, it's "WORKING FROM YOUR HOME OFFICE."


Biz7922

Sun City,
California,
U.S.A.
Does not add up

#3Consumer Comment

Fri, September 05, 2008

P. Diaz has her address from El Cajon, CA but yet she is supposed to work in Nevada. Do you fly everyday to Nevada? How can you be a customer service manager who lives in San Diego, CA but works in Nevada? This does not make sense.


Zhana

Reno,
Nevada,
U.S.A.
Falsification of Facts

#4UPDATE Employee

Fri, June 20, 2008

Mr. W, I suggest that you take a professional approach in dealing with problems. As I also stated in my telephone conversation with you yesterday - DO NOT put your words in my mouth. You only see what you want to see and don't care about what other people have to offer. You came here for the consultation and advice - this is what we gave you. Whether you like what you have on your credit report or not, whether you want to accept it or not - it is your choice. No one can make anyone commit to things they don't like. You were the one to decide if the solution we offered would work for you. But slandering our name for nothing, falsifying information and accusing us of making up those mistakes on your credit report is unprofessional and unethical. Returning to your comments saying I admitted that there was no need for a Rescore: To refresh your memory - you said the accounts we wanted to rescore were Mortgage accounts and I confirmed that mortgage accounts do not have to be rescored. After I opened your report and compared it to the expert review that was sent to you, I explained that those accounts show as Revolving Charge accounts, not Mortgage. If those accounts were classified that way in error, then it is another issue that needs to be fixed with your Creditors and Credit Agencies. Again, there was no mistakes done on our part, we simply stated the facts taken off your credit report. But apparently, you were not interested in accepting those facts. As you may be aware, the job of Customer Satisfaction Manager is to resolve customer complaints and to satisfy the customer. As you stated in your original complaint, your desired resolution was the $200 refunded or to achieve results. In order to achieve results, you needed to clear conditions that were stated in your Expert Review, which you did not accept and did not want to hear about. I also offered a refund of $200, which you said would satisfy you, in order to reach an agreement acceptable for both you and us. And after satisfying what you requested, of course I would ask you to update your posted complaint, saying your claim was satisfied. Why wouldn't you if that was exactly what you asked for? But you now decided that you do not want a refund any more. Instead, you continue posting negative posts and complaints, lying and misrepresenting information after all of our attempts to satisfy you as a customer and reach a positive resolution, even though there was no misconduct, misrepresentation or mistakes done by any of the staff members at EZunsecured.com. I would really appreciate your common sense, acting as an adult and addressing the issues professionally. Everybody is always here to assist you and address all concerns you may have. Sincerely, Zhana Tomak Office Manager EZUnsecured.com


P.diaz

El Cajon,
California,
U.S.A.
Report is false and inaccurate

#5REBUTTAL Individual responds

Fri, June 20, 2008

Mr. W-------- was a client of mine. I was assisiting him in clearing up some of the items on his personal credit report. Mr. W------ is telling fasle stories regarding this specific issue. His creditors reported information and rather than assist me in clearing up the erroneous information his creditors reported he chose to act as if I somehow made the mistakes. Clealry I have no control over the information contained in his credit report. It is our policy to assist clients in clearing up any negative issues with their credit, Mr. W------- insisted there was nothing wrong with his credit, I offered to send him a copy of his report which we pulled and sent him this email : Please see the attached report, this is not something that we did or that our credit reporting agency did, this is something that your creditors reported to the credit agencies. In a phone call after I sent his report to him: Mr. Wooldridge responded by saying that he wanted to cancel because he felt I was trying to create issues so that I could obtain additional funds from him. I explained to him that again this was not something we had done, rather something that his creditors had done and if he truley believed this I had an alternative solution and even offered him the opportunity to go to another company and have his re-scores done and just let me know when they were completed and I would pull a new report. Mr. W------ laughed at me and said he would make me sorry and that he planned to begin a slanderous campaign against me( hence the rip off report with my name in it). Mr. W------ became very aggressive and rude at which time I accepted his cancellation and once again stated that we did not report the erroneous information to his credit, rather that his creditors had reported the information and I felt that he was taking the issue out on me. This morning 06/20/2008 I called Mr. W----- and attempted to ask him about this report and why he lied and slandered me this way. Mr. W-------- stated " lifes a B&^%$ and I fixed you up real nice didn't I?" He proceed to tell me that he planned to post more reports in as many places as he could just to make sure I did not mess up any one else's credit report. Again I ask you- How could I possibly have any control over information reported on his credit? Final Foot Note: Clearly Mr. W------- is out to slander my good name simply because he cannot get his creditors to report accurate information. He would rather blame me and spend his time slandering me in a public forum than clean up his credit. PDiaz


Suffolk, va

Corapeake,
North Carolina,
U.S.A.
Damage Control!

#6Author of original report

Fri, June 20, 2008

It is June 19, 2008 (6PM) I get a call from someone in the customer satisfaction department. The first thing that person asked me was if I were to be refunded would I remove this post from the internet? I answered no. After some debate with her about the need for "Rapid Re-Scoring" The customer satisfaction rep actually admitted to me that she could not see the need for Pamela's request for a Rescore... That's right admitted to what I had been saying all the time. Even after admitting this no solution was offered other than a refund of my initial fee in exchange for the removal of this post. Once it became apparent that I had no intentions of removing this post the need for a "Re-Score" became an issue of discussion again. I am now focused on highlighting their lack of ethical business practices (charging for additional un-required services to my file) Exposing it to them didn't result in an apology for mistake and offer to move forward, just a request for me to shut up and go away. This behavior infuriates me so much that I will stand on principal and hope that I get the satisfaction that some other business owners out here will avoid these pick-pockets like the plague.

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