- Report: #195622
Complaint Review: PD6 Ventures / XPress Cash/The Loan Shop / Whistler Holding / Diamond Creek - Henderson Nevada
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PD6 Ventures / XPress Cash/The Loan Shop / Whistler Holding / Diamond Creek
2756 N Green Valley Pkwy #871 Henderson, 89014 Nevada, U.S.A.
Phone:
800-859-6439
Web:
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PD6 Ventures, XPress Cash, The Loan Shop, Whistler Holding, Diamond Creek Non Authorized charges, Abusive language, Fraud Henderson Nevada *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!
Like other victims, I too took out a loan with this company 3 years ago for a measley $100. I too, thought I had paid back what I owed them AND sent them the verification paperwork they requested to have the account closed but they kept taking money out of my account.
Finally, I had to close the previous account and opened a new one. The company contacted me in March with a generally threatening letter stating (like in Shelly's case) that they had contacted me, etc, etc. I know for a fact they hadn't -- now in my case, I had moved, but if the had my email address from when I took out the loan and I never got anything from them. Anyway, when I first spoke with the representative Princeton Harris, he explained to me what happened and stated that there was a small balance left - because I had the money at that time I said better to just get rid of them...we agreed to set up an arrangement.
I found out a week prior to the debit taking place that I would not have the money for them and I called him back to arrange payment on a different date for the same amount--- he said "no problem" (his exact words). The payment went through as we arranged the second time so I thought the matter was closed.
The next month - they had taken another charge of the same amount out of my account. I called my bank and they told me who it was. Long story short, I called Princeton back and he flatly lied to me stating that he never would have said it was ok to arrange a new settlement and I owed the money anyway so "what was my problem". Also he stated that the only "notes" on the account were from the original agreement we made - and since I breached it, it was my own fault. He continued to deny that we had spoken in the interim.
I asked to speak to his manager (who 2 people verified was supposed to be his manager) William Mashburn... in speaking with him, he stated that they would not refund my money but that they would waive whatever I still owed ($80) and close the account. I directly asked him whether this would mean no more debits from my account and he said YES. I received a letter from them stating that the $80 would be waived and that they would close the account(although it took him forever to send it).
I said, ok - nothing I can do now, but at least it's over with. Yesterday, I checked my account and they had attempted to draft another amount of $110 and caused my account to overdraft. Another long story short, I called them back again and this time when I told Princeton that I had the letter he told me he didn't remember it and that I needed to fax it to him. Luckily I was at home and couldn't, but when I thought about it I asked him why he wouldn't remember working on his own account if he was the "account manager". He then became beligerent and said "oh well, that letter was sent to you in error." He stated that their "computers" would not recognize that arrangement because of the first arrangement. He told me that the person who I was told was his manager (and that he connected me to on previous occassions when I asked to speak to his manager) was not his manager - it was simply a "senior associate" and that he had no power to send me the letter.
When I said that that was not what he or this "manager/senior associate" William Mashburn told me, he said that it was not his problem and that I should have just paid the $100 dollars that I borrowed. When I asked him to speak with his manager, he kept telling me that the situation did not need to be escalated to a manager because it was my own fault. Every time I asked for a manager or supervisor - he told me that they would tell me the same thing he was telling me. I told him that good customer service would dictate that he simply connect me with someone that could help and he said "Customer service? You aren't a customer anymore so I don't need to do customer service." Finally, he put me on hold for 10 minutes and attempted to come back and say no one was available... by then, I had a customer service rep on another phone who AGAIN confirmed that William Mashburn was indeed his manager. I spoke with him AGAIN and his story changed as well - he would not answer my questions and stated that I should have just paid the $100 that I borrowed.
I stated to him that I had the letter HE sent to me with HIS handwriting on it stating that the account would be closed and he acted surprised. Then he tried to turn it again to say that I still owed them an amount and I should have just paid back the money in the first place. I hung up on him and called back and asked for the names of the President/Owner and I was given Del Kimball and the name of a manager over these two and I was given the name Brad Weathers - all by a very helpful customer service rep named Jennifer.
I have left two messages for Brad Weathers with no response. I called back and spoke with a collections rep to ask if there was a manager over this Brad Weathers because I hadn't been able to reach him - when she asked for my info, I told her that I hadn't had a good experience with the reps there and really just wanted to speak with a Manager.
She kept pressing me for my info and got angry when I wouldn't give it to her - finally she said that if I hadn't gotten Brad then there was no one else I could talk to. I told her that's all she had to say, thank you and hung up.
I'm going to my bank this afternoon and I'd like them to hear the story that these guys cook up next.
I'd love to get a class action suit going or something... as far as I'm concerned what they are doing is fraud.
Nanette
Hackensack, New Jersey
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
Finally, I had to close the previous account and opened a new one. The company contacted me in March with a generally threatening letter stating (like in Shelly's case) that they had contacted me, etc, etc. I know for a fact they hadn't -- now in my case, I had moved, but if the had my email address from when I took out the loan and I never got anything from them. Anyway, when I first spoke with the representative Princeton Harris, he explained to me what happened and stated that there was a small balance left - because I had the money at that time I said better to just get rid of them...we agreed to set up an arrangement.
I found out a week prior to the debit taking place that I would not have the money for them and I called him back to arrange payment on a different date for the same amount--- he said "no problem" (his exact words). The payment went through as we arranged the second time so I thought the matter was closed.
The next month - they had taken another charge of the same amount out of my account. I called my bank and they told me who it was. Long story short, I called Princeton back and he flatly lied to me stating that he never would have said it was ok to arrange a new settlement and I owed the money anyway so "what was my problem". Also he stated that the only "notes" on the account were from the original agreement we made - and since I breached it, it was my own fault. He continued to deny that we had spoken in the interim.
I asked to speak to his manager (who 2 people verified was supposed to be his manager) William Mashburn... in speaking with him, he stated that they would not refund my money but that they would waive whatever I still owed ($80) and close the account. I directly asked him whether this would mean no more debits from my account and he said YES. I received a letter from them stating that the $80 would be waived and that they would close the account(although it took him forever to send it).
I said, ok - nothing I can do now, but at least it's over with. Yesterday, I checked my account and they had attempted to draft another amount of $110 and caused my account to overdraft. Another long story short, I called them back again and this time when I told Princeton that I had the letter he told me he didn't remember it and that I needed to fax it to him. Luckily I was at home and couldn't, but when I thought about it I asked him why he wouldn't remember working on his own account if he was the "account manager". He then became beligerent and said "oh well, that letter was sent to you in error." He stated that their "computers" would not recognize that arrangement because of the first arrangement. He told me that the person who I was told was his manager (and that he connected me to on previous occassions when I asked to speak to his manager) was not his manager - it was simply a "senior associate" and that he had no power to send me the letter.
When I said that that was not what he or this "manager/senior associate" William Mashburn told me, he said that it was not his problem and that I should have just paid the $100 dollars that I borrowed. When I asked him to speak with his manager, he kept telling me that the situation did not need to be escalated to a manager because it was my own fault. Every time I asked for a manager or supervisor - he told me that they would tell me the same thing he was telling me. I told him that good customer service would dictate that he simply connect me with someone that could help and he said "Customer service? You aren't a customer anymore so I don't need to do customer service." Finally, he put me on hold for 10 minutes and attempted to come back and say no one was available... by then, I had a customer service rep on another phone who AGAIN confirmed that William Mashburn was indeed his manager. I spoke with him AGAIN and his story changed as well - he would not answer my questions and stated that I should have just paid the $100 that I borrowed.
I stated to him that I had the letter HE sent to me with HIS handwriting on it stating that the account would be closed and he acted surprised. Then he tried to turn it again to say that I still owed them an amount and I should have just paid back the money in the first place. I hung up on him and called back and asked for the names of the President/Owner and I was given Del Kimball and the name of a manager over these two and I was given the name Brad Weathers - all by a very helpful customer service rep named Jennifer.
I have left two messages for Brad Weathers with no response. I called back and spoke with a collections rep to ask if there was a manager over this Brad Weathers because I hadn't been able to reach him - when she asked for my info, I told her that I hadn't had a good experience with the reps there and really just wanted to speak with a Manager.
She kept pressing me for my info and got angry when I wouldn't give it to her - finally she said that if I hadn't gotten Brad then there was no one else I could talk to. I told her that's all she had to say, thank you and hung up.
I'm going to my bank this afternoon and I'd like them to hear the story that these guys cook up next.
I'd love to get a class action suit going or something... as far as I'm concerned what they are doing is fraud.
Nanette
Hackensack, New Jersey
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
