Complaint Review: JMW Financial Services - Mesa Arizona

In response to this specific incident, it was brought to our attention and immediatly we began researching. The customer's bank returned the check in question UNPAID and marked NSF. The customer requested a copy of the item from her bank and it was NOT marked NSF. It appears her bank has 2 versions of the item. The fact is that we were NOT paid for the first item. It was processed by an outside agency and treated as an NSF item as that is how her bank returned it to us. When she made it known to us, she immediatly accused us of wrong doing. It was explained several times to her and we even contacted her bank to expedite resolution. On several occasions we explained that her bank had cleared the item and failed to pay us. We suggested that she contact her bank. Hopefully now that she has followed through with our suggestion, her bank will correct the error. JMW was only been paid once on this item. We have tried on many occasions to resolve this matter with the customer and with her bank. Our last message left with the customer was not returned.

On 122303, My husband called our bank about this, he spoke to the vice president of the bank, She too had a similar incident with a check but not this company. Everything has been turned over to the main bank office in Birmingham for investigation. Anyway,I received a reply from the BBB of Arizon..ha..they've done less than JMW to investigate this...they sent them a copy of my complaint, JMW said oh no, not so..gave me 10 days to dispute it and wham..it's over..I've done this much myself without their help. My bank said I should have a response in about a week from the main office...but no matter how you look at it the money went somewhere..and I think JMW got it twice. So we'll see.

Well it's 12/10/2003 (this has been going on since 092003) and still no money from JMW, and to my horror reading all these rip-off reports on them. Hind sight is 20/20. On my situation,, JMW sent me a copy of my electronic check as they received it and sure enough it is stamped void and insufficient funds all over it...still haven't figured out why my copy from my bank does not have this on it. All I know for for sure is that now somebody, got my money...twice.. I wasted the first $98 because I feel now that they are not a legit business, but to have them get their money twice..I have registered complaints with the BBB of Arizona and one with the BBB of California for Pacific Creditors Association. I know there's a warning on this site that says it won't do any good but what else can be done??? I have one question..if JMW is so on the up and up why wouldn't they contact me first if there was a problem with my check??? I did receive a letter from Hilary Jones (a bookkeeper) stating that after much "research" that she concludes they did not receive the money to start with, so they're keeping the $123 the collection agency took. But she offered me no proof..whereas I have sent them eveything the bank has given me. Looks like with enough complaints some one could start a law-suit. If you rip off one person $98 that's bad enough but multiply that by who knows how many and somebody's living large you can bet. Hopefully one of these letters on this site will help keep somebody from being ripped off as we all were.