Complaint Review: Startup Essentials - National Business Advisors - USA Card Services - James One - Dallas Texas

If you are a victim of their scam, I urge you to contact Mr. Robert Biederman, he is a lawyer in Dallas, Tx that is already working on a suit against this company. FYI, word has it that Startup Essentials closed their doors permanently. Now to close down A1 leasing. Mr. Biederman is waiting to hear from others like you and I.

Okay. I've finally seen some of the "evidence" against this company. I've also conducted my own due diligence. There is not a prayer of a class action suit because the allegations do not satisfy the requirements for a class action. In short, a federal court is very highly unlikely to certify it for a class because there really is no commonality of issues or facts. There are other technical defects for a class action at both the state and federal level. You may each sue individually but I rather doubt that any attorney would actually take a case against this company for many reasons, which I will discuss below; but, in short, no right thinking attorney would take a case against this company on contingency because it would be very expensive to litigate and he/she would very likely lose the case. If an attorney charged you by the hour he/she would likely be responsible for malpractice for not advising you that your case against the company would very likely fail and for charging you for services on a frivolous suit. And, a court would likely dismiss the case at the first motion. First of all, the agreement occurs only after an hour long conversation where you were asked many times whether you understood the risks of starting and running your own business. Second, you initialed 15 disclosures in simple language which identified that you were aware of the risks. And, you provided your signed authorization for payment of services. Third, after the presentation, signed authorization, 15 disclosures, and consummation of the transaction, you verified the transaction in a recorded telephone conversation with a separate verification department. Lastly, after the company shipped the laptop, educational, and developmental products, you verified another time by recorded conversation with the company and the leasing company. It is highly suspect that someone would not know what they signed after all of those verififcations and conversations. The writings I have seen and conversations I have had with supposed victims proves to me that invariably, the complaining person just had second thoughts about their own ability to make it in business for themselves and they wanted a way out where they did not have to admit their self-doubt. Several people had some third party (brother-in-law, cousin, friend, etc.), who was not part of the transaction, tell them that it was not possible for them to succeed in business and that if someone wanted to help them out, it had to be a scam. Imagine relatives or friends like that. After such a long conversation, the documentation, all the disclosures, verifications, and recordings, I just don't see how someone in good faith could say that they were ripped off or that they are entitled to some kind of legal relief. For those of you who have criticized me, I wish there was a chance of a suit against this company and that was the reason I tried to sign on with the company. But in the United States, courts require evidence and proof and not just accusations or conclusionary statements. What I found is a legitimate company who unfortunately signed on some of the wrong people.

an organized group exists that are targeting all the named companies USA Card Svcs., Start Up Essentials, A-1 Leasing and Ladco Leasing -- with a barage of letters, complaints, evidence of fraud, etc. and attempting to get a class action suit filed. Looking for an attorney and are hopefully close. Join us to fight these lying creeps.

Guys, there should be no dispute between anyone here about USA Card Services. I have all their training CD's with stupid admissions by the superiors of the company essentially admitting that they are scamming people. I tried to offer these CD's to Ripoffreport and tried to offer them to anyone who contacted me but so far, ripoffreport has not responded to my offer and ripoffreport refuses to allow me to post my email address. When you guys hear these horrible training CD's, you will howl in laughter since they are so bad and so incriminating. Also, I've noticed the past few days that their website is down. Is that intentional or is someone shutting them down?

I must say, I have been very entertained reading all of your responses to these ignorant people Bob. And you sure got Ryan, didn't you? Good job Bob. I'm thoroughly impressed. In fact, I am so darned impressed that, I would like to hire you. But, sadly no, you are much too educated for my poor 'ol company. It's just a teeny tiny trailer trash owned risteraant and we surely don't know nuthin fer nuthin like you do, on a count of you bein' a lawyer and all. Bob, let's see.....you do have a lot of hot air.....so you COULD be a pee-on of some sort in the legal profession, but I doubt it. Most lawyers don't throw hissy fits because someone calls them a name, nor would they capitalize, much less use the statement "I'm in the lawsuit business". Sounds like you own a Men's Fashion Store Bob. And who said that no one is in possesion of any proof? Are you clairvoyant? This was just a first stop for some people on their journey to find there self respect again after having it beaten into the ground by this fraudulent excuse for a company. Personally, I'd guess your a sexually frustrated teenager, sitting at his computer popping zits, playing with ........(something), and writing responses to angry, victimized people, trying (and I stress "Trying") to sound like a well schooled, well hung attorney. You may want to re-take the Bar, Bob. You are out of your league. Sorry, but I won't be checking back here for your response to this Bob, life's just too short to deal with idiots like you.... and that bothers you, doesn't it Bob? Have a nice day. :) Good work Ryan...keep it up

This is really amazing. I said I would review your allegations to see if I felt there was a legitimate case. But, I need facts not baseless accusations and name calling. I even posted my address. If you are afraid of identifying yourself now, how on earth would you ever file or be a witness in a suit. And, I suppose that since many have posted that they have no money, that it is expected that the law firm pick up the costs of suit and somehow recover the costs from a settlement or paid verdict. I have yet to see anything that shows EVIDENCE of fraud, ripoff, or scam. I have seen posting after posting about threats of potential lawsuits. I'd certainly have an interest in pursuing a lawsuit since I'M IN THE LAWSUIT BUSINESS. But, I need facts. Facts are required to build a case. Facts are required to PROVE a case. Facts are required to WIN a case. And, for your information, this forum is admissible evidence. Posting baseless accusations MAY PROVE the other side's case. What I see on this forum so far is about 6 people hawking a useless book about how to get out of a lease that sells for 67 dollars from a guy who is not part of the legal community. That type of advice is dangerous. Maybe 12 other people posting on this forum who state they didn't know what they were getting into when they signed and acknowledged the lease. 3 of the people say they will just keep the computer and the stuff and not pay. On the face, it doesn't seem like a case at all. That is probably why no attorney has been willing to actually file a complaint, if a lawyer has even been consulted. Just about any attorney would file a case against a deep pocket even for a nuisance value suit worth about $10,000 in settlement, IF THERE WAS A SHRED OF EVIDENCE TO GO ON. However, filing a frivolous (worthless or intended to harrass) lawsuit can get an attorney sanctioned by the court. Are you serious about your allegations or are you just a disgruntled former employee? If you have facts that show intent to defraud, send them to me in an affidavit. OR MAIL ME A TELEPHONE NUMBER SO THAT I CAN TALK TO YOU. Dates, names and specific acts that constitute a fraud. If you really don't have a cause of action, you are a professional victim or you just like to have a place to complain, I guess this is as good a place as any. Bob p.s. A requirement of my profession is the ability to be called a liar without proof and without me taking offense to it. And, I would still like to get help starting an internet business. Any suggestions? Remember, I don't want to invest any money to start and my credit score was 580; so, I didn't qualify. And that's a fact, Jack.

Out of fear of being thrown into prison for making false claims and slandering an honest company with erroneous allegations, I decided to go get some real proof myself. I filled out a form on their USA Card Services website (the .us one) and got a phone call from their "National Business Advisors", more specifically, some telemarketer named Nick, talking about partnering me with CHASE Bank. I was listening for the request to pull my credit, and here was how he preseted it: How would your rate your credit? Any OPEN bankruptcies, tax liens or court judgments? Have you EVER filed Chapter 7? OK, Is your name spelled ******? How long have you been at ****** (MY ADDRESS) Thank you, give me a second and I will confirm your credit score, OK? So, I asked him if he was pulling my credit, and the guy said NO, It's just information CHASE BANK has on you. Hmmmm... I was then transferred to a Senior Business Analyst. I swear to you this guy's pitch lasted 2 hours (Just like the last time). I put him on speaker phone and worked while he droned on and on about investing $1,000s of dollars worth of tools and education that cost MILLIONS of dollars to build with zero money upfront from me. (Yes, he was talking about the ridiculous training and Colony1 websites.) When he finally started to tie me down, I told him that I was already a customer, and he was the biggest F****ing liar on the planet. (I couldn't help myself) This morning, I went to check my credit report, and what do I find? Not 1 Not 2 but 3 HARD INQUIRIES made by USA Card Services! HOLY CRAP! I've just fired off a letter to them letting them know about my little test, and that if those inquiries aren't off by Friday, I'm suing some scam artist BUTT! Back to you Bob... You're a liar. You came here for whatever reason trying to discredit over 200 people and their stories under some pretense that you were a turned down customer. If anything, you have confirmed our suspicions that this company will stop at nothing to screw as many people as they can.

The way it happened with me was that the first company said they needed to verify my credit info. They verified it on my address but did not "pull" my credit. In credit parlance it is a "soft tick" and is perfectly legal. Once I entered a drawing for a car. Turns out it was a land offering company who invted me to view their property. They didn't even ask me if it was okay, they just did it. At that time my credit was a whole lot better, so they sent me a voucher for travel and hotel to view some golf course lots in Arizona. I found out about the inquiry before the trip because I subscribed to creditexpert. If you inquire, "soft ticks" normally occur on contact with someone. "Soft ticks" do not fall under the above listed statute quoted by Ryan. I mean, really, you need to make sure you have a case before you go off half-cocked. You do have to prove your case, if you have one, and especially if you want any kind of settlement. Litigation is not like what you see on television shows, and they cannot be "wrapped up", "ruled on", "settled" or have a "verdict" within the hour. Stop grasping at kooky scenarios and conspiracies. If people have really complained to the FTC, and the company is really a criminal conspiracy as many in the forum suggest, without rational "proof", then the company would have been shut down and arrests would have been made. Since none of this has occurred, my take on it is that the company is a legitimate enterprise working with SOME people who really don't have any "business" (pardon the pun) starting or running their own business. THERE REALLY DOESN'T SEEM TO BE VERY MANY COMPLAINTS, JUST THE SAME PEOPLE COMPLAINING ABOUT THE LEASE AND THEN LATER COMPLAINING ABOUT SOME OTHER SLIGHT OR INSULT THEY FELT THEY SUFFERED. SEND ME AN AFFIDAVIT OF WHAT YOU KNOW ABOUT THE COMPANY AND I WILL SEE IF I THINK THERE IS A HOPE FOR ANY TYPE OF CASE. Mail it to: 1021 N. Doheny Drive, Suite 8, Los Angeles, Ca 90069 P.S. AND, FOR YOUR PROTECTION, YOU SHOULD BE AWARE THAT AN ACCUSATION OF CRIMINAL ACTIVITY THAT IS UNTRUE MAY CONSTITUTE CAUSE FOR A DEFAMATION SUIT AGAINST THE PERSON WHO DEFAMES ANOTHER AND ANY OTHER PERSON WHO REPEATS THE DEFAMATION. MAKE SURE YOU CAN PROVE YOUR ALLEGATIONS AND THAT YOU AREN'T JUST MAKING BASELESS ATTACKS.

The way it happened with me was that the first company said they needed to verify my credit info. They verified it on my address but did not "pull" my credit. In credit parlance it is a "soft tick" and is perfectly legal. Once I entered a drawing for a car. Turns out it was a land offering company who invted me to view their property. They didn't even ask me if it was okay, they just did it. At that time my credit was a whole lot better, so they sent me a voucher for travel and hotel to view some golf course lots in Arizona. I found out about the inquiry before the trip because I subscribed to creditexpert. If you inquire, "soft ticks" normally occur on contact with someone. "Soft ticks" do not fall under the above listed statute quoted by Ryan. I mean, really, you need to make sure you have a case before you go off half-cocked. You do have to prove your case, if you have one, and especially if you want any kind of settlement. Litigation is not like what you see on television shows, and they cannot be "wrapped up", "ruled on", "settled" or have a "verdict" within the hour. Stop grasping at kooky scenarios and conspiracies. If people have really complained to the FTC, and the company is really a criminal conspiracy as many in the forum suggest, without rational "proof", then the company would have been shut down and arrests would have been made. Since none of this has occurred, my take on it is that the company is a legitimate enterprise working with SOME people who really don't have any "business" (pardon the pun) starting or running their own business. THERE REALLY DOESN'T SEEM TO BE VERY MANY COMPLAINTS, JUST THE SAME PEOPLE COMPLAINING ABOUT THE LEASE AND THEN LATER COMPLAINING ABOUT SOME OTHER SLIGHT OR INSULT THEY FELT THEY SUFFERED. SEND ME AN AFFIDAVIT OF WHAT YOU KNOW ABOUT THE COMPANY AND I WILL SEE IF I THINK THERE IS A HOPE FOR ANY TYPE OF CASE. Mail it to: 1021 N. Doheny Drive, Suite 8, Los Angeles, Ca 90069 P.S. AND, FOR YOUR PROTECTION, YOU SHOULD BE AWARE THAT AN ACCUSATION OF CRIMINAL ACTIVITY THAT IS UNTRUE MAY CONSTITUTE CAUSE FOR A DEFAMATION SUIT AGAINST THE PERSON WHO DEFAMES ANOTHER AND ANY OTHER PERSON WHO REPEATS THE DEFAMATION. MAKE SURE YOU CAN PROVE YOUR ALLEGATIONS AND THAT YOU AREN'T JUST MAKING BASELESS ATTACKS.

The way it happened with me was that the first company said they needed to verify my credit info. They verified it on my address but did not "pull" my credit. In credit parlance it is a "soft tick" and is perfectly legal. Once I entered a drawing for a car. Turns out it was a land offering company who invted me to view their property. They didn't even ask me if it was okay, they just did it. At that time my credit was a whole lot better, so they sent me a voucher for travel and hotel to view some golf course lots in Arizona. I found out about the inquiry before the trip because I subscribed to creditexpert. If you inquire, "soft ticks" normally occur on contact with someone. "Soft ticks" do not fall under the above listed statute quoted by Ryan. I mean, really, you need to make sure you have a case before you go off half-cocked. You do have to prove your case, if you have one, and especially if you want any kind of settlement. Litigation is not like what you see on television shows, and they cannot be "wrapped up", "ruled on", "settled" or have a "verdict" within the hour. Stop grasping at kooky scenarios and conspiracies. If people have really complained to the FTC, and the company is really a criminal conspiracy as many in the forum suggest, without rational "proof", then the company would have been shut down and arrests would have been made. Since none of this has occurred, my take on it is that the company is a legitimate enterprise working with SOME people who really don't have any "business" (pardon the pun) starting or running their own business. THERE REALLY DOESN'T SEEM TO BE VERY MANY COMPLAINTS, JUST THE SAME PEOPLE COMPLAINING ABOUT THE LEASE AND THEN LATER COMPLAINING ABOUT SOME OTHER SLIGHT OR INSULT THEY FELT THEY SUFFERED. SEND ME AN AFFIDAVIT OF WHAT YOU KNOW ABOUT THE COMPANY AND I WILL SEE IF I THINK THERE IS A HOPE FOR ANY TYPE OF CASE. Mail it to: 1021 N. Doheny Drive, Suite 8, Los Angeles, Ca 90069 P.S. AND, FOR YOUR PROTECTION, YOU SHOULD BE AWARE THAT AN ACCUSATION OF CRIMINAL ACTIVITY THAT IS UNTRUE MAY CONSTITUTE CAUSE FOR A DEFAMATION SUIT AGAINST THE PERSON WHO DEFAMES ANOTHER AND ANY OTHER PERSON WHO REPEATS THE DEFAMATION. MAKE SURE YOU CAN PROVE YOUR ALLEGATIONS AND THAT YOU AREN'T JUST MAKING BASELESS ATTACKS.

The way it happened with me was that the first company said they needed to verify my credit info. They verified it on my address but did not "pull" my credit. In credit parlance it is a "soft tick" and is perfectly legal. Once I entered a drawing for a car. Turns out it was a land offering company who invted me to view their property. They didn't even ask me if it was okay, they just did it. At that time my credit was a whole lot better, so they sent me a voucher for travel and hotel to view some golf course lots in Arizona. I found out about the inquiry before the trip because I subscribed to creditexpert. If you inquire, "soft ticks" normally occur on contact with someone. "Soft ticks" do not fall under the above listed statute quoted by Ryan. I mean, really, you need to make sure you have a case before you go off half-cocked. You do have to prove your case, if you have one, and especially if you want any kind of settlement. Litigation is not like what you see on television shows, and they cannot be "wrapped up", "ruled on", "settled" or have a "verdict" within the hour. Stop grasping at kooky scenarios and conspiracies. If people have really complained to the FTC, and the company is really a criminal conspiracy as many in the forum suggest, without rational "proof", then the company would have been shut down and arrests would have been made. Since none of this has occurred, my take on it is that the company is a legitimate enterprise working with SOME people who really don't have any "business" (pardon the pun) starting or running their own business. THERE REALLY DOESN'T SEEM TO BE VERY MANY COMPLAINTS, JUST THE SAME PEOPLE COMPLAINING ABOUT THE LEASE AND THEN LATER COMPLAINING ABOUT SOME OTHER SLIGHT OR INSULT THEY FELT THEY SUFFERED. SEND ME AN AFFIDAVIT OF WHAT YOU KNOW ABOUT THE COMPANY AND I WILL SEE IF I THINK THERE IS A HOPE FOR ANY TYPE OF CASE. Mail it to: 1021 N. Doheny Drive, Suite 8, Los Angeles, Ca 90069 P.S. AND, FOR YOUR PROTECTION, YOU SHOULD BE AWARE THAT AN ACCUSATION OF CRIMINAL ACTIVITY THAT IS UNTRUE MAY CONSTITUTE CAUSE FOR A DEFAMATION SUIT AGAINST THE PERSON WHO DEFAMES ANOTHER AND ANY OTHER PERSON WHO REPEATS THE DEFAMATION. MAKE SURE YOU CAN PROVE YOUR ALLEGATIONS AND THAT YOU AREN'T JUST MAKING BASELESS ATTACKS.

Here's what Experian has to say about it: Permissable purpose or "hard inquiries" are those you initiate when you apply for credit including a loan or credit card. In doing so, you have authorized the lender to pull a copy of your credit report. But what's important to remember is that you are the only one who can authorize a creditor to perform a hard inquiry on your credit report. These are the only type of inquiry that counts toward your credit score and stay on your credit report for two years. A soft inquiry is one that does not constitute an official request for credit. For example, a company sends you a "pre-approved" or "invitation to apply" credit card offer. This will appear on your credit report, but can only be seen by you, not lenders, and will not be used in the calculation of your credit score. Other soft inquiry examples include those from prospective employers or landlords, inquiries from lenders where you have an existing account, and inquiries to see your own credit report. (Checking your own credit report does not affect your credit score.) So, as you can see, if Bob's right, and these companies are pulling your credit BEFORE getting express permission to do so, then they could be operating on the wrong side of the law. I just did a quick check on the FCRA, and in Section 604(a)(3) it clearly states that a company CAN BE FINED up to $1,000 for pulling your credit file (hard inquiry) without permissable purpose. So, you are protected, and if you've had any dealings with these guys, I'd go ahead and check my report if I were you. How many $1,000 fines could they possibly stand up to? p.s. Here's an interesting fact: There are literally HUNDREDS of companies that will pay BIG MONEY for a lead that contains accurate credit information. So, even if you DON'T choose their program, these people are going to make money off of you... but in this case it looks like illegally. Check it out, and let us know what you see!

It's my understanding that companies can access your credit report, for "pre-qualifying", without anyobody's authorization, and it's not illegal. Can anybody shed further light on that issue? Thank you!

The above post is not from me and it appears that someone is trying to attribute it to me. And, the above information is only close to true in certain circumstances. If one gives their permission to have credit verified then the above information is absolutely false. Please remove the above post as it is clearly defamatory and is done under my name to implicate me as the responsible party for its posting. Bob