Kramer Financial Services, Inc.

Dear *** ***I did not file a lawsuit against Kramer Insurance Center as of yetI've noticed you've addressed his business as "Kramer Financial Services" This means he's operating under two different names, likely because Kramer Financial Services has been suedI have been unable to
operate my business since August 18, because Lee K*** has tied up the money I intended to use as a down payment for my insuranceI had to scrape up another $to pay another company so once I'm operating, I'll determine what amount he'll be sued for by seeing how much I make in the amount of time that I've been out of businessFor example, if I begin operations on October 18, it will have been months that I was unable to operate because of his fraudI'll then use the amount I make in months to determine how much he owes and then sue for that amount. He must pay me for my lost of income. To give you an update, a finance company called *** had financed my entire annual premium. They have paid him the full annual premium of $and they're collecting it from me in monthly payments. On September 5, he told me *** would reimburse him and he'd then reimburse me. He stated the refund would take "a week." On September 27, I received a letter from IPFS, demanding payment! This crook hasn't even cancelled the policy!!!! I called IPFS and told them the policy has been cancelled since September and they have not been notifiedI advised them to contact MrK***! I have no insurance and he has stolen my $as well as the remaining $from ***! Please help

Review: On August 18, 2014, I gave a down payment of $1779.85 to Mr. Lee K[redacted] to get dealer insurance for my car business. Mr. K[redacted]'s website claims to serve NY but he repeatedly failed to give me usable ID cards with scanable barcodes, as NY DMV requires. He repeatedly lied and gave ridiculous excuses as to why I could not get the required ID cards. First, he tried to say he never heard of that requirement for IDs with barcodes in NY. Then, after I caught him in several lies, he changed his story and said his company downloads the info directly to NY DMV, instead of issuing those ID cards. Finally, after a week more of desperate, outrageous lies, he admitted that the only insurance companies which write those type of policies for NY are [redacted] and [redacted] Agency! This is the first and only thing he has stated to me that's true! Please make him explain why he took my money!!!On September 5, 2014, I finally cancelled my policy and demanded a full refund. To add insult to injury, he stated I'd get a prorated refund because "I had coverage for 2 weeks!" He stated I'd have my refund "in a week". Today is September 26 and I still have not received a refund! I spoke to him today via telephone and he stated I "should" have it by next Friday, October 3! Considering his previous, numerous lies, I believe this man does not intend to issue my refund and has stolen my money. He must be stopped! He has chosen to use his license to rip off the public instead of conducting a legitimate business. He had to know right from the beginning that he could not provide the type of ID cards that NY required but chose to take my money anyway. Now he won't give it back.Desired Settlement: I hereby respectfully request that Lee K[redacted] is required to issue my full refund of $1779.85 and is required to remove the claim from his website that he serves dealers in NY. This is the only reason that I contacted him. This is a blatant lie and false advertising. He will be sued for my loss of business income since August 18 and his false advertising.

Consumer

Response:

Dear [redacted]. I did not file a lawsuit against Kramer Insurance Center as of yet. I've noticed you've addressed his business as "Kramer Financial Services" This means he's operating under two different names, likely because Kramer Financial Services has been sued. I have been unable to operate my business since August 18, 2014 because Lee K[redacted] has tied up the money I intended to use as a down payment for my insurance. I had to scrape up another $1800 to pay another company so once I'm operating, I'll determine what amount he'll be sued for by seeing how much I make in the amount of time that I've been out of business. For example, if I begin operations on October 18, it will have been 2 months that I was unable to operate because of his fraud. I'll then use the amount I make in 2 months to determine how much he owes and then sue for that amount. He must pay me for my lost of income. To give you an update, a finance company called [redacted] had financed my entire annual premium. They have paid him the full annual premium of $6594 and they're collecting it from me in monthly payments. On September 5, he told me [redacted] would reimburse him and he'd then reimburse me. He stated the refund would take "a week." On September 27, I received a letter from IPFS, demanding payment! This crook hasn't even cancelled the policy!!!! I called IPFS and told them the policy has been cancelled since September 5 and they have not been notified. I advised them to contact Mr. K[redacted]! I have no insurance and he has stolen my $1779.85 as well as the remaining $4814.15 from [redacted]! Please help.