Check Fee, LLC aka Credit Enhancement, Triple Gold, Liberty Benefits, NAMES & PHONE NUMBERS TO GET YOUR MONEY BACK **UPDATE info is accurate **UPDATES major TV network exposés

I just wanted to give everyone an update regarding the Credit Enhancement/Check Fee situation. After my 3 way phone call with United Capturdyne Technologies (the company that processes the debits for Credit Enhancement), I was told that my money would be returned to my account by the next afternoon. The next day I checked my account, and my money was returned as promised. Even though I got my money back, I still filed an $8,000 civil claim in a PA court in order to help protect other innocent consumers. However, since United Capturdyne was somewhat helpful, I did not name them as a co-defendant. If you are looking to get your money back, get in touch with United Capturdyne (name, address and # below), and if they don't help you, name them along with Check Fee, LLC as a co-defendant in your civil claim. They should be able to help most of you get your money back though. Ask for Jeff Korbin or Chris. Here are the names, phone #'s, comany ID #'s, partial stautus reports, and physical deliverable addresses for all the companies and agents involved:

***Note: When you file your claim, file against the company, but serve the registered agent with the lawsuit.

#1.) Check Fee, LLC (aka Credit Enhancement),
P.O. Box 237, Collingswood, NJ. 08108
1-877-527-4653, 1-800-279-9609, 1-800-991-8241
Fictitious name listed with NJ Dept of Coporations:
"Titanium Blue, LLC"
NJ Business ID # 0600117616
Director: Agnus
Home Jurisdiction: New Jersey
Domestic Limited Liabilty Company
Status: Active

****************************

Check Fee, LLC's Registered Agent for service of process:
Ronald J. Cappuccio, Esq.
Deliverable physical address:
1800 Chapel Avenue, Suite 128
Cherry Hill, NJ. 08003-0000
Verified Phone # = 1-856-665-2121

#2.)Liberty Benefits Package, LLC (aka Credit Enhancement)
"Same company as Check Fee, LLC but operating under a different name and address" Fictitious names: Titanium Blue, LLC
P.O. Box 231 Gloucester, NJ. 08030
1-877-527-4653, 1-800-279-9609, 1-800-991-8241
NJ Business ID # 0600114470
Director: Agnus
Home Jurisdiction: New Jersey
Domestic Limited Liabilty Company
Status: Active

****************************
Liberty Benefits LLC's Registered Agent for service of process:
Ronald J. Cappuccio, Esq.
Deliverable physical address:
1800 Chapel Avenue, Suite 128
Cherry Hill, NJ. 08003-0000
Verified Phone # = 1-856-665-2121

#3.) American Credit Source, INC.
"A Florida Profit Corporation that was recently dissolved by the FL Secretary of State for lack of a registered agent. This company MAY now be as known Check Fee, Titanium Blue, Liberty Benefits, Credit Enhancement, ETC. after possibly moving to NJ"
Unconfirmed Address:
460 S. Kirkman Rd, Suite 843, Orlando, FL. 32811-2802
Registered Agent: NONE "Jerry E. Beavers resigned on 04/27/2001"
Director: NONE
Home Jurisdiction: Florida
Florida Profit Corporation
Status: Inactive

#4.) United Capturdyne Technologies, INC. (Processes the ACH bank debits for Check Fee, LLC and all their alias companies by way of Pacific Mercantile Bank)
Confirmed Address:
1001 NW 62nd Street, Suite 407, Ft. Lauderdale, FL. 33309
Verified Phone #: 1-800-476-4828
Directors:
CEO = Jeffrey M. Korbin = 721 Lyons Rd. Coconut Creek, FL. 33063
D = Hugh Bendit = 3964 W Hillsboro, Deerfield Beach, FL. 33442
SD = Arturo Urgelles = 375 S Royal Poinciana Blvd. PH-3, Miami, Fl. 33166 (Other Contacts/Company Officials = Chris, and Lisa)
Florida Business-FEI ID # = 650184646
Home Jurisdiction: Florida
Florida Profit Corporation
Status: Active

************************
United Capturdyne Technologies, INC's Registered Agent for service of process:
Mark Angert
Deliverable physiacl address:
2501 East Commercial Blvd, Suite 109,
Fort Lauderdale, FL. 33308
Phone # = Not yet obtained

#5.) Pacific Mercantile Bank, INC (United Capturdyne debits accounts for Credit Enhancement through Pacific Mercantile Bank)
Confirmed Address: 949 S. Coast Dr, 3rd FL, Cosa Mesa, CA 92626
Phone: Not yet obtained
California Company ID # = C2125962
Home Jurisdiction: California
California Profit Corporation
Status: Active

***************************
Pacific Mercabtile Bank, INC's Registered Agent for service of process:
Ben A. Frydman
Deliverable Physical Address:
660 Newport Center Drive, Suite 1600
Newport Beach, CA. 92660
Phone: Not yet obtained

To get full status reports on these companies go to their state website and do a company (LLC or Corp)search.

For Check Fee, LLC & Liberty Benefits Package LLC,
go to: www.state.nj.us

For American Credit Source, INC & United Capturdyne Technologies,
go to: www.state.fl.us

For Pacific Mercantile Bank, Go to: www.state.ca.us

Or you can call the Office of Commercial Recording, or the Secretary of State in the appropraite state.

I also recommend filing seperate complaints with the BBB and the Dept of consumer affairs in the appropraie state. Furthermore, when you file the complaints against Check Fee, be sure to file complaints against their alias names as well.

Good luck with your lawsuits!! Lets get these guys, they need to be stopped!!!!!

If you have any questions, or additional information, please get in touch.

Thanks for reading

Click here to read many other Rip-off Reports on Liberty Benefits

Click here to read other Rip-off Reports on Credit Enhancement Services

They filed the following to the above Rip-Off Report:

Their email: TheFraudChick@aol.com
Their name: The Fraud Chick

Their relationship to the company: Consumer Suggestion

Rebuttal:

Like you need any help from me or anyone! Thank you, it's people like you that make life worth living. We appreciate the knockout job you did on this charade of a business. I can't wait to learn how your suit turns out.

Please keep us posted.

The Fraud Chick

PS I can tell already that you are going to be a killer attorney.

They filed the following rebuttal to the above Rip-Off Report:

Their relationship to the company: Consumer Suggestion

Rebuttal:
Hi, I just wanted to let everyone know that I was recently contacted by a reporter from a major network affiliate. His consumer alert report that exposes "LIBERTY" (aka about 5 diff names) will be airing shortly. I will update everyone when I know what date it will be aired on, and what markets it will be aired in. This should be somewhat helpful to all of you
filing law suits.

Also, I have obtained alot of evidence, including but not limited to, notarized documents, recordings, photos, etc from other Liberty victims and a few state agengies, and I will be attempting present said evidence at my upcoming trial. However, I would like to get more, since more is better (obviously). So, if anyone who has also been victimized by this company would like to help me, you could write down your personal story in
detail, have it notarized, then mail it to me. I would greatly appreciate it! It usually only costs about $2 to get a document notarized but I will reimburse this fee if necessary. Also, if you do this, please include your name, and try to include the invitation # from the postcard, or any other Liberty account info. If anyone from the PA, NJ, or DE area would like to
appear at my hearing, that would be greatly appreciated as well. A few people have already volunteered. If possible, I will do the same for anyone filing.

I have recently spoken with a lawyer that represents United Capturdyne, and a lawyer for Liberty as well. I can not really say what Liberty's lawyer had to say at this time, but his defense WILL NOT work. The lawyer for United Capturdyne was somewhat upset with me for publishing this page.

It seems that she is mad at me for publishing the company info (director and agent info) and for expressing my personal opinion about her clients company. As far as the company information goes, it is PUBLIC information, not private as she argues. Anyone can get that same info from the www.state.fl.us website by doing a corporation search. A law suit can not
be filed against her client unless you have know at least one of those addresses (at least the agent address). However, being that they were helpful, and seem pretty legit, I myself will not file against them, UNLESS they attempt to file aginst me for publishing this page, in which case I will take them for alot of money as I have obtained alot of evidence that they are not aware of.

As far as my opinions go, this is America, and I have the right to express my thoughts. Therefore, I WILL NOT retract them or apologize for writing them. I went to great lengths in
my report to seperate facts from opinion, and to avoid making libelous statements about the companies involved. Furthermore, I think I went pretty easy on United Capturdyne. I do not know what they are even upset about. The bulk of my original statement was about Liberty-Check Fee-Credit Enhancement-Titanium Blue.

Again, if anyone has any questions, please feel free to contact me via phone or email.

They filed the following rebuttal to the above Rip-Off Report:

Their email: UterusPotPie@TheFalopianTooobs.mmm
Their name: Rodney Luther King, Sr.

Their relationship to the company: Owner

Rebuttal:
More phone numbers!!!!

I must say that this website is great and that the above report was extremely well written. HEHE!!!!! Anyway, I conducted an investigation to verify the above information and to find more helpful information. I did find more info, and all of the above info is accurate.

I came up with some more phone #'s for the people involved, and they are below. These numbers were all obtained LEGALLY and are "Public information" to quote M. Steven Papi.

#1.) Ronald J. Cappuccio, Esq. =
1-(856)-665-2121 = Office "Verfied"

#2.) Mark Angert =
1-(954)-771-1171 = "Verified"
1-(954)-384-0900 =

#3.)Korbin = 1-(954)-970-3022 "?Unverified?"

#4.)Ben Frydman = 1-(714)-537-8538

The main customer service #'s for LIBERTY-CHECK FEE, UNITED CAPTURDYNE,
and PACIFIC MERCANTILE BANK are as follows:

Liberty & Check Fee, LLC:
1-(800)-991-8241
1-(877)-527-4653
1-(800)-279-9609

United Capturdyne Technologies aka Check Max Service:
1-(800)-476-4828

Pacific Mercantile Bank:
1-(714)-438-2500
1-(714)-708-7892

Call these people and pester the until you get your $$ back. If that doesnt work, you will be able to fil a calim by using the info posted in previous report.

Good luck,

HA HA

L. Rodney King, Sr

They filed the following UPDATE to the above Rip-Off Report:

Their relationship to the company: Consumer Suggestion Consumer Advocate with BADbusinessbureau.com / Rip-offReport.com

UPDATE
Below is a transcript of the consumer alert report that aired in Atlanta, GA. regarding Liberty aka Check Fee.

After Speaking with Mr. Strickland, and sending him tons of info on Liberty, the following report aired in Atlanta. Jimmy Strickland neglected to mention my name, but at least he got the word out, and I am very happy about. He did mention the RipOff Report in the story, as he should have. Without this site, we would have had nowhere else to turn, and Jimmy wouldn't have gotten a story. Below is the Atlanta TV Station Report.

Good luck everyone!!

::::::::::::::::::::

Bad credit? No credit? No problem! --- NOT!

By: Jim Strickland,
Channel 2 wsbtv-Atlanta consumer investigator

January 16, 2002 -- Bad credit? No credit? No problem! You can get a credit card --guaranteed!

The pitch comes on a little yellow post card, mailed coast to coast to people with shaky finances. An Atlantan, who thought she'd be on the road to credit recovery, wants you to know where she wound up instead.

This is a bad deal that's targeted directly at those who can least afford to fall victim. People like 33-year old Shirley Thompson, who is struggling with debt and bad credit. She fell for a postcard with all the promises.

"Well, my credit is not that great," Thompson admits. But that is why she thought this offer was a God send --a pre-approved credit card with a limit between $4,750 guaranteed. The promise, though, came with a price.

"They told me that it was going to be $221.99 to get everything processed and and you were going to get a credit card, basically. And that never happened."

On a consumer bulletin board called Ripp-Off Report, we found dozens of similar complaints lodged against credit issuer Liberty Benefit LLC.

Victims charge Liberty Benefit promised them a credit cared, withdrew roughly$ 200 directly from their checking accounts, then failed to deliver. The New Jersey Office of Consumer Affairs is looking into 170 cases.

Here in Atlanta, the Better Business Bureau has its hands full with business that sell credit cards.

"We received the most complaints about companies that offer advance-fee credit cards, of any company that we track here in the year 2001," said Ed Smith of the BBB.

Smith says some victims get nothing for their money. Others get something they didn't expect.

This is what Liberty Benefits sells: a program called Titanium Blue -- a private credit card good only for buying from a catalog. They pass along a separate application for a master card.

A lawyer for Liberty Benefit claims the company has never had any ties to Georgia, but the Better Business Bureau file contains an address on the company at a Mail Boxes Etc. in Decatur. The phone number in the file is answered by a sales representative selling the Titanium Blue credit package.

Shirley Thompson is forced to live without her $221 whether she can afford it or not.

"Sometimes you lean from your mistakes, and I think I learned a valuable lesson from this one," she said.

Only after we called, did Shirley Thomson finally receive her Titanium Blue catalogue -- three months late.

Thompson says they never explained she wasn't getting a conventional credit card.

Liberty Benefits' attorney claims the company has thousands of satisfied customers and that the number of complaints is relatively small.

The lawyer refused to divulge the owners, or the exact location of the company. The lawyer also contends they answer all consumer complaints.

The Better Business Bureau in Trenton says the Liberty Benefits has answered none of the complaints the BBB has received.

MSP
::::::::::::::::::::::::

STOP! ..before you think about using the Better Business Bureau (BBB)... click here to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! When there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about “consumer confidence” when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide.

but my bank got my money back for me because i had signed a stop payment. and they (the perps) put the payment through as "titanium blue telephone" and a separate fee under "check fee telephone" so when you put the stop payment in for the whole amount, the automated system misses it, because it is acutally two debits to your account.

thanks to my bank and thanks to
ripoffreport.com

United Capturdyne Technologies recenlty merged with a company called VFNX, Inc. Now they have an additional registered agent listed.

Registered Agent:
Robert Kaufman

Principal/Mailing address:
6401 Congress Avenue
Suite 250
Boca Raton, FL. 33487

If you were not able to successfully serve United Capturdyne by way of Mark Angert, use the above information and try again.

Consumer Advocate/Investigative Reporter,
BADbusinessbureau.com

Thanks Steve@RipoffReport.com for your very thoughtful insight and help on this matter. I just got ripped off too... but my case was a little different where I had not given them any information about myself and account. I had received that yellow paper but did not bother calling it. but yesterday I just had $229 taken out of my account.

I am hoping I am protected with my bank and will have this money given back to me, but at the same time I want help do something to get rid of this. This is outrageous and needs to be brought to a stop. We students dont have the means of coming up with $229 up from nowhere. I work ourselves out for that sort of money. pls advise on what else I can do

they are trying to take money out of my account, for $229.00 dollars, i have tried to call the 800 #'s but they are always busy, now i owe the ban money for all of the debits were they are trying to take out my money.

I am a former employee of Pacific Mercantile. When you call the bank, ask for the E-Funds phone number. Pacific Mercantile is just the bank that these companies use. They are not the ones who have your money.

The quickest way to get you money back is file an unauthorized ACH debit with your bank. These claims will give you the money back within 10 working days. That is what the law requires (Reg E) They will finalized your claim within 45 days but almost always you will get your money back.