| Unsecured Business Funding |
| Unauthorized charge of $2000 |
| 22nd of Apr, 2011 by ckm78 |
Sometime at the end of March 2011, I found a company via the internet, called Unsecured Business Funding. I was in the process of finding a loan or grant to start up a day care center.
On April 1, 2011, a man named Curtis Currales called me from Unsecured Business Funding. He explained to me that it would cost $249 to help me find a lender. I agreed to pay and gave him my debit card number. He then told me to check my email, click on the link, and type in my name at the bottom to electronically sign this agreement. I went ahead and typed my name and hit submit. He also had asked that I pull my credit report and email him a copy. He then told me that his secretary Maigan B. will be contacting me shortly.
On April 4th 2011, Maigan B. contacted me and left a message stating that she had looked over my credit report and that she is ready to get me started with an underwriter. I emailed Maigan to let her know that I was not able to call her for another couple of days.
On April 7th, 2011, I called Maigan and she scheduled a phone appointment with the underwriter for the next day.
On April 8th, 2011, I received a phone call from John Fox. He introduced himself as the Senior Underwriter. He explained to me that I needed to gain business credit and in order to do so, I could either do it on my own, go through them, or find a credit attorney which would cost me a lot of money. After stating the three options, he then told me to check my email, click the link, and scroll down to #3. As he read #3, I followed along. He then read a few other numbers below and told me to scroll to the bottom, type in my name and hit submit. I did just that. After submitting the electronically signed agreement, he emailed me a copy and explained that a credit coach will be contacting me back sometime next week.
On April 10th, 2011 I found a charge of $2000 on my bank statement. I contacted John Fox right away. Because they were closed, I left him a message asking why I was being charged this amount. I then went back to the agreement and found that it states Charge Authorization: Immediately upon receipt of signed agreement, Client expressly authorizes Company to charge the billing information; credit card and/or checking account Client has provided, in the amount of Two Thousand dollars ($2000) for the customized Risk Improvement Report. ALL FEES CHARGED ARE CREDITED TOWARDS COMPANYS SUCCESS FEE OUTLINED IN POINT 4. I then contacted him via email and phone asking for a refund because he did not explain this to me. I also mentioned that no where in our conversation he stated that I will be paying $2000.
On April 11, 2011, John Fox called me back. After missing his call, I returned it the moment I got his message. I explained to him that he did not tell me his company will be charging me $2000 and that I would definitely remember an amount that big. He argued back and said that he did. His, almost exact words were Did I not say, #1. You could go on your own, #2. You could find an attorney and pay $3000, or #3. Go thorough us and pay $2000. I upsettingly interrupted him and said No. You did not state the $2000! He continued to say Did I tell you that you could go on your own, find an attorney, or go through us? I said Yes. He tried to convince me that he did state the $2000 when in fact, I know he didnt. I explained to him that I wouldnt have signed that agreement knowing that Id have to pay $2000. I cut the argument by asking him, one more time, if I could receive a refund because otherwise, Id have to contact a lawyer. He continued that I was not able to receive my $2000 because it is in black and white. He explained that I signed the agreement and that I am not able to get my money back.
The Better Business Bureau got a response from UBF after I filed my complaint. The CEO, Jay Anderson, stated We will issue no refund to the client as we have performed the service outlined in the read and signed agreement. All of this also pertains to the $2000 fee which was paid for the business credit builder, a business plan, as well as the opportunity to work with our credit coach Dave Clark. We cannot provide a service that the client does not allow us to.
This company will continue to disagree with giving me my refund because it is stated in the Agreement that they give no refunds. The CEO has the decision to grant the refund if he wanted. But being that he has my money, he won't.
Unsecured Business Funding is a SCAM! They will steal your money and not help you. |
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| I am not giving up and so should you. File a complaint to the Attorney General of Utah, Division of Consumer Protection of Utah, Federal Trade Commission, Internet Crime Complaint website, and the BBB. The more complaints that are made, the more they will be known as a scam and finally put out of business. We need to do something about this. |
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