• Report: #969861

Complaint Review: Alliance Commercial Group

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  • Submitted: Thu, November 15, 2012
  • Updated: Tue, February 05, 2013

  • Reported By: LHW — Santa Barbara California United States of America
Alliance Commercial Group
601 Cleaveland St. suite 920 InternetClearwater, Florida United States of America

Alliance Commercial Group Jeramie Concklin CEO They are a commercial loan modification Scam! Promise money back until you ask for it. Internet, Clearwater, Florida

*REBUTTAL Owner of company: Letter Sent to Larry Williamson Pursuant to Florida Statutes 770.01

*Author of original report: The Alliance Commercial Group Scam continues

*REBUTTAL Owner of company: In response to Mr. Larry H. Williamson's Attempted Character Assassination

*REBUTTAL Owner of company: In response to Mr. Larry H. Williamson's Attempted Character Assassination

*REBUTTAL Owner of company: In response to Mr. Larry H. Williamson's Attempted Character Assassination

*Consumer Comment: Alliance = all talk and no "do"

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I saw their internet site and thought they may be helpful in getting a loan mod. with the Bank.
They told me my case was easy and that they would make an offer to the bank that they could not/ would not refuse. They asked for $7,500.00 up front. After a few more phone calls they told me they were just a few days from a "Deal" in which the bank would grant several concessions including , interest only, lower the pricipal and wave all past due, ect. After 4 weeks they said they needed
5,000.00 more and the deal was close. After 5 weeks I asked for writen proof of the "Deal" and they did not provide it. After 6 weeks the bank sued me to repossess the property, when I called Alliance they simply told me that the bank had never agreed to anything and that I should find a Lawyer to try to save my property. On 10-18-12 [6 weeks after singing with them] I asked for a refund and they told me they do not give refunds to criminals like Me???
They are a scam, talk big, take your money, and provide no evidence of any service.
Then at the end they call you a criminal and tell you not to call back.

This report was posted on Ripoff Report on 11/15/2012 04:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/Alliance-Commercial-Group/InternetClearwater-Florida-33756/Alliance-Commercial-Group-Jeramie-Concklin-CEO-They-are-a-commercial-loan-modification-Sca-969861. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 1Consumer 4Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Owner of company

Letter Sent to Larry Williamson Pursuant to Florida Statutes 770.01

AUTHOR: Alliance Commercial Group - (United States of America)

VIA CERTIFIED MAIL & EMAIL

Re: Notice specifying statements alleged to be false and defamatory

 Dear Mr. Williamson:

I represent Alliance Commercial Group, LLC (Alliance) and Mr. Jeramie P. Concklin (Mr. Concklin). Pursuant to Florida Statutes 770.01, this letter serves as Alliance and Mr. Concklins notice of the false and defamatory statements published by you about them on the internet. The list below includes, but is not limited to, specific false and defamatory you published in the public domain for all the world to see on
the Ripoff Report,:

(a)   The title of the complaint read as follows -  Alliance Commercial Group Jeramie Concklin CEO They are a commercial loan modification Scam! Promise money back until you ask for it. Internet, Clearwater, Florida

(b)   They are a scam, talk big, take your money, and provide no evidence of any service.

(c)   The title of the second response read as follows The Alliance Commercial Group Scam continues

(d)   In reference to Alliance Commercial Groups response to the complaint It is an old tactic of criminals and scam artists to attempt to turn the table by accusing their victim as a criminal.

(e)   Their rebuttal is a complete fabrication

(f)      the same company was recently known as Gaurding Solutions until the heat got too much and forced them to change their name.

(g)   Their was no negotiations!

(h)   If you are considering using them ask if they will supply the name and number of just ONE client that they helped in the last 6 months and then listen for the line to go dead, because they do not have even one person that has been helped!

(i)     As for their Money Back Satisfaction Guarantee offer, ask if they can give you just one name/number oif a refund in the last year or should we believe that 100% of their clients are criminals and thus do not deserve a refund?

(j)    Furthermore, you suggested victims contact the Florida Office of Financial Regulations and file a complaint.

The Rip-Off Report is a website that, by its own terms, is a worldwide consumer reporting Web site and
publication, by consumers, for consumers, to file and document complaints about companies or individuals. While we encourage and even require authors to only file truthful reports, Ripoff Report does not guarantee that all reports are authentic or accurate.

Your statements above are completely unfounded, and have caused, and are continuing to cause, my clients to suffer damages. Alliance Commercial Group and Mr. Concklin demand that you remove the aforementioned statements, as well as any other statements concerning Alliance Commercial Group and Mr. Concklin from any medium(s) over which you have editorial control which are false, defamatory, misleading, or which tend to paint Alliance Commercial Group and Mr. Concklin in a negative light by unlawfully and improperly alleging, among other things, illegitimate business practices. It is further demanded that you (1) issue a full retraction across all of your internet postings, and (2) publicly state that your allegations of impropriety are false, and (3) issue an apology to Alliance Commercial Group and Mr. Concklin for making false and defamatory statements about them. Additionally, it is demanded that you refrain from making any future false and defamatory statements about Alliance Commercial Group and Mr. Concklin. Rest assured that your failure to abode by the directives herein will result in my client pursuing all necessary legal avenues to vindicate their rights.

 Please govern yourself accordingly!

 
Very Truly Yours,

Honor B. Rodgers, Esq.

cc: Jeramie P. Concklin 
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#2 Author of original report

The Alliance Commercial Group Scam continues

AUTHOR: LHW - (United States of America)

It is an old tactic of criminals and scam artist's to attempt to turn the table by accusing their victim as a criminal. Their rebuttal is a complete fabrication.  I have the facts and am willing to share them with others that are thinking about doing business with Alliance. I suggest you read Ripoff Report #965970 and 556766 that shows the same company with the same address was recently known as "Guarding Solution" until the heat got to be too much and forced them to change their name. For any past victims please contact the "Florida Office of Financial Regulations" and file a complaint.

For the record after 6 weeks and payments of 12,500 without any results, I contacted the bank directly and worked out a solution, saved my property and am on good terms with them. I did all that in 3 weeks. I asked the Loan Workout officer if they could copy me on the tons of e mails that Alliance said they made over the 6 week period, they sent me the one e mail regarding the subject of a loan mod and recalled 2 brief phone calls. Their was no negotiations! If you are considering using them ask if they will supply the name and number of just ONE client that they helped in the last 6 months and then listen for the line to go dead, because they do not have even one person that has been helped! As for their "Money Back Satisfaction Guarantee" offer, ask if they can give just one name/number of a refund in the last year or should we believe that 100% of their clients are criminals and thus do not deserve a refund? If you want to know more or work with me to get them stopped contact me via this website.
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#3 REBUTTAL Owner of company

In response to Mr. Larry H. Williamson's Attempted Character Assassination

AUTHOR: Alliance Commercial Group - (United States of America)

The complaint against Alliance Commercial Group on the Ripoff Report is clearly Mr. Larry H. Williamson. I came to this conclusion based on the fact that the report was generated by a "LHW form Santa Barbara, California". The reply below is an effort to set the record straight in the public domain. Additionally, the reply below was the response for a previous complaint filed with the Better Business Bureau by Mr. Williamson. Furthermore, due to the false accusations and wildly baseless claims against me and my company I have directed General Counsel to immediately pursue all legal remedies to include filing suit against Mr. Williamson. 

Mr. Williamson contacted Alliance and inquired as to whether Alliance could assist him with his commercial property. His inquiry was unsolicited. He requested that Alliance assist him with his distressed Arkansas
property. After Engagement Alliance discovered that four or five months prior, Mr. Williamson had done what is called a strategic default meaning that despite having sufficient income generated from his Arkansas property to handle the debt load, he failed to submit any of the contractually required cash flow to the lender, keeping all the proceeds for himself. This is an egregious recourse triggering event according the Guaranty with the Lender signed by Mr. Williamson. So long as the Lender is aware of a Guaranty default, they will not negotiate towards a solution. Alliance, on a number of occasions directed Mr. Williamson to submit the cash flow the Lender, as without a demonstration of good faith, the Lender will not consider any proposals. Mr. Williamson utterly refused to submit any of the cash flow, despite the Lenders unequivocal legal entitlement to such funds. Additionally, when the Lender attempted to serve Mr. Williamson with a Notice of Default under the loan documents, he evaded service for a few weeks, further alienating the Lender and diminishing any willingness to negotiate.

Alliance was not informed of the foreclosure documents until three weeks after Mr. Williamsons receipt, which is in direct violation of the Engagement Agreement. Once informed of the foreclosure action, Alliance advised Mr. Williamson that he needed to obtain local counsel in Arkansas. Mr. Williamson refused and continued to utilize his attorney in California. Mr. Williamsons California attorney also advised him to seek engagement of an attorney in Arkansas in connection with the foreclosure action. Mr. Williamson did not heed the counsel of Alliance or his counsel in California.

Mr. Williamson violated the Engagement Agreement with Alliance by failing to provide Alliance with complete, truthful, and accurate information regarding the mortgage prior to Engagement in violation of Section II and Section VI(b). Mr. Williamson did not disclose that he was retaining all cash flow from the property for his own benefit and failing to remit cash flow to the Lender as required by the loan documents. Mr. Williamson failed to send Alliance the correspondence in connection with the mortgage (namely the Notice of Default and foreclosure suit) in a timely fashion as required by Section VI(g) and VI(i) of the Engagement Agreement. Furthermore, he refused to comply with his obligations under the Loan Documents (including the guaranty) and submit the necessary cash flow to foster a working relationship with the Lender, thereby preventing Alliance from performing.

The Engagement Agreement speaks for itself. Mr. Williamson is bound by the Engagement Agreement which he violated in multiple respects. He is not entitled to a refund, and his unsupported claim that if for any reason I was not satisfied, I would have all my money 12,500 refunded has absolutely no basis in reality. The signed contract is the only agreement that governs the relationship between the parties, and is clear that Mr. Williamson voided any right he might have had to a refund.

To address Mr. Williamsons allegations, that Alliances business practices are illegal, the law is clear that Alliance, in servicing commercial loans owned by business entities, is not in violation of any law. The law prohibits businesses or individuals or individuals from collecting up-front fees from a homeowner prior to completing all services. Alliance does not provide any services to homeowners. Alliance handles only commercial properties, owned by business entities, with loans made by institutional investors. The regulations referred to by Mr. Williamson are not applicable to Alliances business. In his complaint, which is vague, general, and unspecific, Mr. Williamson alleges that it is against Florida Law to charge money upfront for loan mods. They are breaking the Law. Under F.S.A. 501.1377 which intends to require foreclosure rescue service agreements to safeguard homeowners against deceit and financial hardship, the protections are directed only to homeowners, residential real property, and residential mortgage loan
obligation. (please see the definitions under  of 501.1377(2)).  Additionally, RESPA and SAFE Mortgage Licensing Act under the United States Code both apply to residential property, and not commercial property. Chapter 494 which addresses the requirements for Mortgage Brokers also does not apply to Alliances business, since Alliance does not deal with mortgage loans as defined under 494.001(2). Alliance is a business to business enterprise, which provides its clients with profit-oriented solutions, strategic business
analysis, and plans focused on solutions to the distressed status of commercial mortgage backed assets.

Mr. Williamson voided any right he might have had to a refund by his continuous failure to comply with the terms of the Engagement Agreement and his pervasive, unethical behavior. Moreover, pursuant to Section
IV (2) of the Agreement, Alliance is entitled to the total fee of $27,500 of which $15,000 remains unpaid as a result of Mr. Williamsons violation of the Agreement. Alliance has not to date pursued the unpaid amount of $15,000.

 
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#4 REBUTTAL Owner of company

In response to Mr. Larry H. Williamson's Attempted Character Assassination

AUTHOR: Alliance Commercial Group - (United States of America)

The complaint against Alliance Commercial Group on the Ripoff Report is clearly Mr. Larry H. Williamson. I came to this conclusion based on the fact that the report was generated by a "LHW form Santa Barbara, California". The reply below is an effort to set the record straight in the public domain. Additionally, the reply below was the response for a previous complaint filed with the Better Business Bureau by Mr. Williamson. Furthermore, due to the false accusations and wildly baseless claims against me and my company I have directed General Counsel to immediately pursue all legal remedies to include filing suit against Mr. Williamson. 

Mr. Williamson contacted Alliance and inquired as to whether Alliance could assist him with his commercial property. His inquiry was unsolicited. He requested that Alliance assist him with his distressed Arkansas property. After Engagement Alliance discovered that four or five months prior, Mr. Williamson had done what is called a strategic default meaning that despite having sufficient income generated from his Arkansas property to handle the debt load, he failed to submit any of the contractually required cash flow to the lender, keeping all the proceeds for himself. This is an egregious recourse triggering event according the Guaranty with the Lender signed by Mr. Williamson. So long as the Lender is aware of a Guaranty default, they will not negotiate towards a solution. Alliance, on a number of occasions directed Mr. Williamson to submit the cash flow the Lender, as without a demonstration of good faith, the Lender will not consider any proposals. Mr. Williamson utterly refused to submit any of the cash flow, despite the Lenders unequivocal legal entitlement to such funds. Additionally, when the Lender attempted to serve Mr. Williamson with a Notice of Default under the loan documents, he evaded service for a few weeks, further alienating the Lender and diminishing any willingness to negotiate.

Alliance was not informed of the foreclosure documents until three weeks after Mr. Williamsons receipt, which is in direct violation of the Engagement Agreement. Once informed of the foreclosure action, Alliance advised Mr. Williamson that he needed to obtain local counsel in Arkansas. Mr. Williamson refused and continued to utilize his attorney in California. Mr. Williamsons California attorney also advised him to seek engagement of an attorney in Arkansas in connection with the foreclosure action. Mr. Williamson did not heed the counsel of Alliance or his counsel in California.

Mr. Williamson violated the Engagement Agreement with Alliance by failing to provide Alliance with complete, truthful, and accurate information regarding the mortgage prior to Engagement in violation of Section II and Section VI(b). Mr. Williamson did not disclose that he was retaining all cash flow from the property for his own benefit and failing to remit cash flow to the Lender as required by the loan documents. Mr. Williamson failed to send Alliance the correspondence in connection with the mortgage (namely the Notice of Default and foreclosure suit) in a timely fashion as required by Section VI(g) and VI(i) of the Engagement Agreement. Furthermore, he refused to comply with his obligations under the Loan Documents (including the guaranty) and submit the necessary cash flow to foster a working relationship with the Lender, thereby preventing Alliance from performing.

The Engagement Agreement speaks for itself. Mr. Williamson is bound by the Engagement Agreement which he violated in multiple respects. He is not entitled to a refund, and his unsupported claim that if for any reason I was not satisfied, I would have all my money 12,500
refunded has absolutely no basis in reality. The signed contract is the only agreement that governs the relationship between the parties, and is clear that Mr. Williamson voided any right he might have had to a refund.

To address Mr. Williamsons allegations, that Alliances business practices are illegal, the law is clear that Alliance, in servicing commercial loans owned by business entities, is not in violation of any law. The law prohibits businesses or individuals or individuals from collecting up-front fees from a homeowner prior to completing all services. Alliance does not provide any services to homeowners. Alliance handles only commercial properties, owned by business entities, with loans made by institutional investors. The regulations referred to by Mr. Williamson are not applicable to Alliances business. In his complaint, which is vague, general, and unspecific, Mr. Williamson alleges that it is against Florida Law to charge money upfront for loan mods. They are breaking the Law. Under F.S.A. 501.1377 which intends to require foreclosure rescue service agreements to safeguard homeowners against deceit and financial hardship, the protections are directed only to homeowners, residential real property, and residential mortgage loan obligation. (please see the definitions under  of 501.1377(2)).  Additionally, RESPA and SAFE Mortgage Licensing Act under the United States Code both apply to residential property, and not commercial property. Chapter 494 which addresses the requirements for Mortgage Brokers also does not apply to Alliances business, since Alliance does not deal with mortgage loans as defined under 494.001(2). Alliance is a business to business enterprise, which provides its clients with profit-oriented solutions, strategic business analysis, and plans focused on solutions to the distressed status of commercial mortgage backed assets.

Mr. Williamson voided any right he might have had to a refund by his continuous failure to comply with the terms of the Engagement Agreement and his pervasive, unethical behavior. Moreover, pursuant to Section IV (2) of the Agreement, Alliance is entitled to the total fee of $27,500 of which $15,000 remains unpaid as a result of Mr. Williamsons violation of the Agreement. Alliance has not to date pursued the unpaid amount of $15,000.

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#5 REBUTTAL Owner of company

In response to Mr. Larry H. Williamson's Attempted Character Assassination

AUTHOR: Alliance Commercial Group - (United States of America)

The complaint against Alliance Commercial Group on the Ripoff Report is clearly Mr. Larry H. Williamson. I came to this conclusion based on the fact that the report was generated by a "LHW form Santa Barbara, California". The reply below is an effort to set the record straight in the public domain. Additionally, the reply below was the response for a previous complaint filed with the Better Business Bureau by Mr. Williamson. Furthermore, due to the false accusations and wildly baseless claims against me and my company I have directed General Counsel to immediately pursue all legal remedies to include filing suit against Mr. Williamson. 

Mr. Williamson contacted Alliance and inquired as to whether Alliance could assist him with his commercial property. His inquiry was unsolicited. He requested that Alliance assist him with his distressed Arkansas property. After Engagement Alliance discovered that four or five months prior, Mr. Williamson had done what is called a strategic default meaning that despite having sufficient income generated from his Arkansas property to handle the debt load, he failed to submit any of the contractually required cash flow to the lender, keeping all the proceeds for himself. This is an egregious recourse triggering event according the Guaranty with the Lender signed by Mr. Williamson. So long as the Lender is aware of a Guaranty default, they will not negotiate towards a solution. Alliance, on a number of occasions directed Mr. Williamson to submit the cash flow the Lender, as without a demonstration of good faith, the Lender will not consider any proposals. Mr. Williamson utterly refused to submit any of the cash flow, despite the Lenders unequivocal legal entitlement to such funds. Additionally, when the Lender attempted to serve Mr. Williamson with a Notice of Default under the loan documents, he evaded service for a few weeks, further alienating the Lender and diminishing any willingness to negotiate.

Alliance was not informed of the foreclosure documents until three weeks after Mr. Williamsons receipt, which is in direct violation of the Engagement Agreement. Once informed of the foreclosure action, Alliance advised Mr. Williamson that he needed to obtain local counsel in Arkansas. Mr. Williamson refused and continued to utilize his attorney in California. Mr. Williamsons California attorney also advised him to seek engagement of an attorney in Arkansas in connection with the foreclosure action. Mr. Williamson did not heed the counsel of Alliance or his counsel in California.

Mr. Williamson violated the Engagement Agreement with Alliance by failing to provide Alliance with complete, truthful, and accurate information regarding the mortgage prior to Engagement in violation of Section II and Section VI(b). Mr. Williamson did not disclose that he was retaining all cash flow from the property for his own benefit and failing to remit cash flow to the Lender as required by the loan documents. Mr. Williamson failed to send Alliance the correspondence in connection with the mortgage (namely the Notice of Default and foreclosure suit) in a timely fashion as required by Section VI(g) and VI(i) of the Engagement Agreement. Furthermore, he refused to comply with his obligations under the Loan Documents (including the guaranty) and submit the necessary cash flow to foster a working relationship with the Lender, thereby preventing Alliance from performing.

The Engagement Agreement speaks for itself. Mr. Williamson is bound by the Engagement Agreement which he violated in multiple respects. He is not entitled to a refund, and his unsupported claim that if for any reason I was not satisfied, I would have all my money 12,500
refunded has absolutely no basis in reality. The signed contract is the only agreement that governs the relationship between the parties, and is clear that Mr. Williamson voided any right he might have had to a refund.

To address Mr. Williamsons allegations, that Alliances business practices are illegal, the law is clear that Alliance, in servicing commercial loans owned by business entities, is not in violation of any law. The law prohibits businesses or individuals or individuals from collecting up-front fees from a homeowner prior to completing all services. Alliance does not provide any services to homeowners. Alliance handles only commercial properties, owned by business entities, with loans made by institutional investors. The regulations referred to by Mr. Williamson are not applicable to Alliances business. In his complaint, which is vague, general, and unspecific, Mr. Williamson alleges that it is against Florida Law to charge money upfront for loan mods. They are breaking the Law. Under F.S.A. 501.1377 which intends to require foreclosure rescue service agreements to safeguard homeowners against deceit and financial hardship, the protections are directed only to homeowners, residential real property, and residential mortgage loan obligation. (please see the definitions under  of 501.1377(2)).  Additionally, RESPA and SAFE Mortgage Licensing Act under the United States Code both apply to residential property, and not commercial property. Chapter 494 which addresses the requirements for Mortgage Brokers also does not apply to Alliances business, since Alliance does not deal with mortgage loans as defined under 494.001(2). Alliance is a business to business enterprise, which provides its clients with profit-oriented solutions, strategic business analysis, and plans focused on solutions to the distressed status of commercial mortgage backed assets.

Mr. Williamson voided any right he might have had to a refund by his continuous failure to comply with the terms of the Engagement Agreement and his pervasive, unethical behavior. Moreover, pursuant to Section IV (2) of the Agreement, Alliance is entitled to the total fee of $27,500 of which $15,000 remains unpaid as a result of Mr. Williamsons violation of the Agreement. Alliance has not to date pursued the unpaid amount of $15,000.

 
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#6 Consumer Comment

Alliance = all talk and no "do"

AUTHOR: anonymous - (United States of America)

LHW, we are experiencing the same thing you just described in your report re Alliance.  Can you please contact us at alliancescam@yahoo.com to discuss further?
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