Dear San Diego Revdex.com,
Please be advised that we completely 100% disagree with this former client. We have had at least 6-7 different people work on his account(s) for over a year before he decided to cancel. After talking to him again yesterday, he agreed that he embellished on his response above. After speaking with a representative of the Revdex.com, we have been told that they can't change his response even if he requests to do so. PBM has been attempting to resolve his complaint/grievance for over a month now. We tried to contact him via e-mail and phone and he wouldn't return ANY calls. We tried to contact him 3 times in the beginning of July 2016 to rectify this matter and even snail mailed him a letter as well. We never heard from him at all until the 8/16/16 response that we received yesterday from the Revdex.com. He admitted that he knew we contacted him but had "emergencies" in the family and has been too busy to address this matter. Then we contacted him yesterday and we are in the process of trying to come to a reasonable/equitable agreement so we all leave on good/great terms. Our agreement with this client (and every client we have) is clear and concise and he knew exactly how we work and what he agreed to. He can't afford the program any longer and he is now trying to get money out of us that he is not entitled to (in writing or otherwise). PBM has always been completely up front with how we work and our managing attorney has reviewed all of our procedures and documents for compliance as well. We flat out disagree 100% with this client's claims and we are discussing possible legal action against him for defamation of character. The Revdex.com can/will print whatever the consumer writes/claims regardless of it's accuracy/truthfulness. We understand their position, but we also don't think it is fair to let a consumer flat out lie and then still print it as if it is true. We will continue to negotiate with this former client and hopefully we can come to a mutual agreement that is satisfactory to all parties involved. We are the best company in the country that does what we do. We are also CHEAPER than 98% of ALL companies in America that do what we do! We don't lie, cheat or steal and will continue to embrace these principles as we move forward in a positive way.
Per the original agreement Ms. [redacted] was made aware that Pacific Business Management is unable to represent her in any legal matter nor can we predict a lawsuit from being filed. We had made several attempts negotiate a resolution on the matter; however, we were unable to connect with Ms. [redacted] to secure a resolution prior to the judgment being obtained. We have since resolved this matter with Ms. [redacted] and agreed to apply fees previously deducted to her remaining accounts. Please enter a satisfaction of this complaint. The client has agreed to continue as a client with our company.Thank you, [redacted]Manager###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Pacific Business Managements (PBM) [redacted] is not being truthful. I have mad many calls to PBM, and spoke with [redacted] several times. When I called them they would say they were waiting for me to send a settlement offer when I got one in the mail. They claim to comply with the Federal Trade Commission laws banning advance fees to protect consumers from dishonest debt settlement companies. They said all settlements must be approved by the customer in advance. They said there will be NO advance fees in their contract. Then they took advance fees anyway. [redacted] told me their contracts are designed to get around the FTC laws once I confronted him. He laughed at me and told me “no one ever gets a penny back.”In 2010 the FTC put a ban on advance fees for companies of this type. They can only charge a fee for each debt they settle for AFTER the debt has been settled, not before. My fee was supposed to be 10% on each settlement, not 10% of all of them upfront. There is no fee schedule in my contract, and I would never have agreed to this. [redacted] said because of the 48 month length of my payments I was going to be sued by many of the creditors. This was the first time they said anything about that. I feel that PBM took my money in advance instead of using it to settle with creditors, which maybe a reason for this. Also, I plan to settle these accounts much sooner than the 48 months and need the return of the unearned fees to help pay for them. I am only asking for the unearned fees as per the FTC laws. I did NOT cancel the contract. When I found out they had taken the money from the RAM (escrow account) without my “ok” I put a hold on that account, so I could find out what was happening. After I placed the hold they attempted to take more out, and the RAM (escrow account) sent what was leftover back to me. I was never given any other options for payment plans from PBM. Upon speaking with [redacted] said he could not give my money back because he has multiple lawsuits against him that he is having to paying. They offered me a refund of only $1500 out of the $7712 owed. I find this unacceptable.
Regards,
[redacted]
This client is not being truthful in his statements. We did everything that we were supposed to do for him. He chose a smaller payment plan that was less than 50% of what he used to pay on his unsecured debt. We DID get him results on one of his accounts as promised and saved him...
70% off the original balance on that account. He was in the process of saving money to settle the next debt in our program and then decided to cancel and ask for a full refund. At least 6 different people have worked on his file and we didn't "ROB" him like he said in this complaint. He was/is on track to save $10's of $1000's of dollars in our program and then HE decided he wanted to cancel. It wasn't because of anything we did wrong as we haven't. We have called to talk to him repeatedly over the past few weeks and he doesn't return any phone calls to discuss his account. He was not "lied to and robbed" as he is stating. He has been in the program for over a year now and has seen the results we assured him would take place. Now he is running out of money and can't afford to fund the program any longer from what we ascertained. Therefore, he is trying to cancel the program and have us refund monies that were agreed to IN WRITING and signed by him. This client says the "money was not authorized for them to take"!? That is absolutely 100% not true. We have a fully executed agreement showing the drafts and everything was/is spelled out 100% for all client's including this one. We have repeatedly reached out to this client and would be happy to discuss options to resolve this matter. We are here everyday from at least 8-4 PST and we have a 24 hour answering service. We can't work with him if he doesn't call us back to discuss his account. We look forward to speaking with you and resolving this matter once and for all.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Dear Revdex.com
From [redacted] [redacted]
Revdex.com complaint #[redacted]. Dear Revdex.com . Pacific Business Management , [redacted] most resent letter is very upsetting , with no truth in it that I can see. First it couldn't have taken 6 or 7 people to work on my account ,only one debt was settled ,with probably I phone call .[redacted] says that to try to justify him charging advance fees that are not legal .It took a year before I discovered that they had robbed the RAM (escrow acct.) . then I told RAM (escrow acct.)to put a hold on the account until I could find out what was going on .I never said that I embellished anything , I never said that. After several 40 min. plus phone calls with [redacted] where he tells me how lucky I am be cause he charges everybody else way more than he did me. [redacted]s version of reasonable / equitable agreement is great for him and him only. PBM never told me that there fees would be in advance .I would have never agreed to that . His defamation of character legal action is to threaten me into letting him keep my money.Anything butt give my money back that they weren't authorized to take from the start. [redacted] thinks that he's out smarted the Federal Trade Commission 2010 laws that ban advance fees to protect consumers from dishonest debt settlement companies. Please see copy of FTC 2010 rules for debt settlement company's that I sent in with my second letter . [redacted] PBM calling me names and threatening me in hopes that I will give up .I am the victim here , this is how they do business. I have tried to give them a chance to make this right, all I have asked for is the unearned money they took from the RAM account nothing more. So far all of PBM offers have been not acceptable.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Dear Revdex.com From [redacted]Revdex.com complaint #[redacted]. Dear Revdex.com . Pacific Business Management , [redacted] most resent letter is very upsetting , with no truth in it that I can see. First it couldn't have taken 6 or 7 people to work on my account ,only one debt was settled ,with probably I phone call .[redacted] says that to try to justify him charging advance fees that are not legal .It took a year before I discovered that they had robbed the RAM (escrow acct.) . then I told RAM (escrow acct.)to put a hold on the account until I could find out what was going on .I never said that I embellished anything , I never said that. After several 40 min. plus phone calls with [redacted] where he tells me how lucky I am be cause he charges everybody else way more than he did me. [redacted]s version of reasonable / equitable agreement is great for him and him only. PBM never told me that there fees would be in advance .I would have never agreed to that . His defamation of character legal action is to threaten me into letting him keep my money.Anything butt give my money back that they weren't authorized to take from the start. [redacted] thinks that he's out smarted the Federal Trade Commission 2010 laws that ban advance fees to protect consumers from dishonest debt settlement companies. Please see copy of FTC 2010 rules for debt settlement company's that I sent in with my second letter . [redacted] PBM calling me names and threatening me in hopes that I will give up .I am the victim here , this is how they do business. I have tried to give them a chance to make this right, all I have asked for is the unearned money they took from the RAM account nothing more. So far all of PBM offers have been not acceptable.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Pacific Business Managements (PBM) [redacted] is not being truthful. I have mad many calls to PBM, and spoke with [redacted] several times. When I called them they would say they were waiting for me to send a settlement offer when I got one in the mail. They claim to comply with the Federal Trade Commission laws banning advance fees to protect consumers from dishonest debt settlement companies. They said all settlements must be approved by the customer in advance. They said there will be NO advance fees in their contract. Then they took advance fees anyway. [redacted] told me their contracts are designed to get around the FTC laws once I confronted him. He laughed at me and told me “no one ever gets a penny back.”
In 2010 the FTC put a ban on advance fees for companies of this type. They can only charge a fee for each debt they settle for AFTER the debt has been settled, not before. My fee was supposed to be 10% on each settlement, not 10% of all of them upfront. There is no fee schedule in my contract, and I would never have agreed to this. [redacted] said because of the 48 month length of my payments I was going to be sued by many of the creditors. This was the first time they said anything about that. I feel that PBM took my money in advance instead of using it to settle with creditors, which maybe a reason for this. Also, I plan to settle these accounts much sooner than the 48 months and need the return of the unearned fees to help pay for them. I am only asking for the unearned fees as per the FTC laws. I did NOT cancel the contract. When I found out they had taken the money from the RAM (escrow account) without my “ok” I put a hold on that account, so I could find out what was happening. After I placed the hold they attempted to take more out, and the RAM (escrow account) sent what was leftover back to me. I was never given any other options for payment plans from PBM. Upon speaking with [redacted] said he could not give my money back because he has multiple lawsuits against him that he is having to paying. They offered me a refund of only $1500 out of the $7712 owed. I find this unacceptable.
Regards,
[redacted]
Dear San Diego Revdex.com,
Please be advised that we completely 100% disagree with this former client. We have had at least 6-7 different people work on his account(s) for over a year before he decided to cancel. After talking to him again yesterday, he agreed that he embellished on his response above. After speaking with a representative of the Revdex.com, we have been told that they can't change his response even if he requests to do so. PBM has been attempting to resolve his complaint/grievance for over a month now. We tried to contact him via e-mail and phone and he wouldn't return ANY calls. We tried to contact him 3 times in the beginning of July 2016 to rectify this matter and even snail mailed him a letter as well. We never heard from him at all until the 8/16/16 response that we received yesterday from the Revdex.com. He admitted that he knew we contacted him but had "emergencies" in the family and has been too busy to address this matter. Then we contacted him yesterday and we are in the process of trying to come to a reasonable/equitable agreement so we all leave on good/great terms. Our agreement with this client (and every client we have) is clear and concise and he knew exactly how we work and what he agreed to. He can't afford the program any longer and he is now trying to get money out of us that he is not entitled to (in writing or otherwise). PBM has always been completely up front with how we work and our managing attorney has reviewed all of our procedures and documents for compliance as well. We flat out disagree 100% with this client's claims and we are discussing possible legal action against him for defamation of character. The Revdex.com can/will print whatever the consumer writes/claims regardless of it's accuracy/truthfulness. We understand their position, but we also don't think it is fair to let a consumer flat out lie and then still print it as if it is true. We will continue to negotiate with this former client and hopefully we can come to a mutual agreement that is satisfactory to all parties involved. We are the best company in the country that does what we do. We are also CHEAPER than 98% of ALL companies in America that do what we do! We don't lie, cheat or steal and will continue to embrace these principles as we move forward in a positive way.
Per the original agreement Ms. [redacted] was made aware that Pacific Business Management is unable to represent her in any legal matter nor can we predict a lawsuit from being filed. We had made several attempts negotiate a resolution on the matter; however, we were unable to connect with Ms. [redacted] to secure a resolution prior to the judgment being obtained. We have since resolved this matter with Ms. [redacted] and agreed to apply fees previously deducted to her remaining accounts. Please enter a satisfaction of this complaint. The client has agreed to continue as a client with our company.Thank you, [redacted]Manager###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Pacific Business Managements (PBM) [redacted] is not being truthful. I have mad many calls to PBM, and spoke with [redacted] several times. When I called them they would say they were waiting for me to send a settlement offer when I got one in the mail. They claim to comply with the Federal Trade Commission laws banning advance fees to protect consumers from dishonest debt settlement companies. They said all settlements must be approved by the customer in advance. They said there will be NO advance fees in their contract. Then they took advance fees anyway. [redacted] told me their contracts are designed to get around the FTC laws once I confronted him. He laughed at me and told me “no one ever gets a penny back.”In 2010 the FTC put a ban on advance fees for companies of this type. They can only charge a fee for each debt they settle for AFTER the debt has been settled, not before. My fee was supposed to be 10% on each settlement, not 10% of all of them upfront. There is no fee schedule in my contract, and I would never have agreed to this. [redacted] said because of the 48 month length of my payments I was going to be sued by many of the creditors. This was the first time they said anything about that. I feel that PBM took my money in advance instead of using it to settle with creditors, which maybe a reason for this. Also, I plan to settle these accounts much sooner than the 48 months and need the return of the unearned fees to help pay for them. I am only asking for the unearned fees as per the FTC laws. I did NOT cancel the contract. When I found out they had taken the money from the RAM (escrow account) without my “ok” I put a hold on that account, so I could find out what was happening. After I placed the hold they attempted to take more out, and the RAM (escrow account) sent what was leftover back to me. I was never given any other options for payment plans from PBM. Upon speaking with [redacted] said he could not give my money back because he has multiple lawsuits against him that he is having to paying. They offered me a refund of only $1500 out of the $7712 owed. I find this unacceptable.
Regards,
[redacted]
This client is not being truthful in his statements. We did everything that we were supposed to do for him. He chose a smaller payment plan that was less than 50% of what he used to pay on his unsecured debt. We DID get him results on one of his accounts as promised and saved him...
70% off the original balance on that account. He was in the process of saving money to settle the next debt in our program and then decided to cancel and ask for a full refund. At least 6 different people have worked on his file and we didn't "ROB" him like he said in this complaint. He was/is on track to save $10's of $1000's of dollars in our program and then HE decided he wanted to cancel. It wasn't because of anything we did wrong as we haven't. We have called to talk to him repeatedly over the past few weeks and he doesn't return any phone calls to discuss his account. He was not "lied to and robbed" as he is stating. He has been in the program for over a year now and has seen the results we assured him would take place. Now he is running out of money and can't afford to fund the program any longer from what we ascertained. Therefore, he is trying to cancel the program and have us refund monies that were agreed to IN WRITING and signed by him. This client says the "money was not authorized for them to take"!? That is absolutely 100% not true. We have a fully executed agreement showing the drafts and everything was/is spelled out 100% for all client's including this one. We have repeatedly reached out to this client and would be happy to discuss options to resolve this matter. We are here everyday from at least 8-4 PST and we have a 24 hour answering service. We can't work with him if he doesn't call us back to discuss his account. We look forward to speaking with you and resolving this matter once and for all.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Dear Revdex.com
From [redacted] [redacted]
Revdex.com complaint #[redacted]. Dear Revdex.com . Pacific Business Management , [redacted] most resent letter is very upsetting , with no truth in it that I can see. First it couldn't have taken 6 or 7 people to work on my account ,only one debt was settled ,with probably I phone call .[redacted] says that to try to justify him charging advance fees that are not legal .It took a year before I discovered that they had robbed the RAM (escrow acct.) . then I told RAM (escrow acct.)to put a hold on the account until I could find out what was going on .I never said that I embellished anything , I never said that. After several 40 min. plus phone calls with [redacted] where he tells me how lucky I am be cause he charges everybody else way more than he did me. [redacted]s version of reasonable / equitable agreement is great for him and him only. PBM never told me that there fees would be in advance .I would have never agreed to that . His defamation of character legal action is to threaten me into letting him keep my money.Anything butt give my money back that they weren't authorized to take from the start. [redacted] thinks that he's out smarted the Federal Trade Commission 2010 laws that ban advance fees to protect consumers from dishonest debt settlement companies. Please see copy of FTC 2010 rules for debt settlement company's that I sent in with my second letter . [redacted] PBM calling me names and threatening me in hopes that I will give up .I am the victim here , this is how they do business. I have tried to give them a chance to make this right, all I have asked for is the unearned money they took from the RAM account nothing more. So far all of PBM offers have been not acceptable.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Dear Revdex.com From [redacted]Revdex.com complaint #[redacted]. Dear Revdex.com . Pacific Business Management , [redacted] most resent letter is very upsetting , with no truth in it that I can see. First it couldn't have taken 6 or 7 people to work on my account ,only one debt was settled ,with probably I phone call .[redacted] says that to try to justify him charging advance fees that are not legal .It took a year before I discovered that they had robbed the RAM (escrow acct.) . then I told RAM (escrow acct.)to put a hold on the account until I could find out what was going on .I never said that I embellished anything , I never said that. After several 40 min. plus phone calls with [redacted] where he tells me how lucky I am be cause he charges everybody else way more than he did me. [redacted]s version of reasonable / equitable agreement is great for him and him only. PBM never told me that there fees would be in advance .I would have never agreed to that . His defamation of character legal action is to threaten me into letting him keep my money.Anything butt give my money back that they weren't authorized to take from the start. [redacted] thinks that he's out smarted the Federal Trade Commission 2010 laws that ban advance fees to protect consumers from dishonest debt settlement companies. Please see copy of FTC 2010 rules for debt settlement company's that I sent in with my second letter . [redacted] PBM calling me names and threatening me in hopes that I will give up .I am the victim here , this is how they do business. I have tried to give them a chance to make this right, all I have asked for is the unearned money they took from the RAM account nothing more. So far all of PBM offers have been not acceptable.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Pacific Business Managements (PBM) [redacted] is not being truthful. I have mad many calls to PBM, and spoke with [redacted] several times. When I called them they would say they were waiting for me to send a settlement offer when I got one in the mail. They claim to comply with the Federal Trade Commission laws banning advance fees to protect consumers from dishonest debt settlement companies. They said all settlements must be approved by the customer in advance. They said there will be NO advance fees in their contract. Then they took advance fees anyway. [redacted] told me their contracts are designed to get around the FTC laws once I confronted him. He laughed at me and told me “no one ever gets a penny back.”
In 2010 the FTC put a ban on advance fees for companies of this type. They can only charge a fee for each debt they settle for AFTER the debt has been settled, not before. My fee was supposed to be 10% on each settlement, not 10% of all of them upfront. There is no fee schedule in my contract, and I would never have agreed to this. [redacted] said because of the 48 month length of my payments I was going to be sued by many of the creditors. This was the first time they said anything about that. I feel that PBM took my money in advance instead of using it to settle with creditors, which maybe a reason for this. Also, I plan to settle these accounts much sooner than the 48 months and need the return of the unearned fees to help pay for them. I am only asking for the unearned fees as per the FTC laws. I did NOT cancel the contract. When I found out they had taken the money from the RAM (escrow account) without my “ok” I put a hold on that account, so I could find out what was happening. After I placed the hold they attempted to take more out, and the RAM (escrow account) sent what was leftover back to me. I was never given any other options for payment plans from PBM. Upon speaking with [redacted] said he could not give my money back because he has multiple lawsuits against him that he is having to paying. They offered me a refund of only $1500 out of the $7712 owed. I find this unacceptable.
Regards,
[redacted]