• Report: #431377

Complaint Review: Peak Credit Services; Beepers & Phones; Thompson & Associates, P.C.

  • Submitted: Fri, March 06, 2009
  • Updated: Tue, July 20, 2010

  • Reported By:Hudson Florida
Peak Credit Services; Beepers & Phones; Thompson & Associates, P.C.
10225 Ulmerton Rd, Ste 3 Largo, Florida U.S.A.

Peak Credit Services; Beepers & Phones; Thompson & Associates, P.C. Peak Credit Services; Beepers & Phones; Thompson & Associates, P.C. Trying to collect on a contract that was never presented to me or signed by me. Largo Florida

*Author of original report: Peak Credit, Beepers & Phones, Thompson & Associates, & Secure It - Still Scam Artists

*REBUTTAL Owner of company: Contracts

*REBUTTAL Owner of company: Two Separate Companies

*Consumer Comment: Wow...same story

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I purchased a cell phone from a Beepers & Phones in Ocala, FL for my daughter in December 2007. There was a sign above their kiosk stating that they were an authorized Alltel dealer. I originally bought the phone for my daughter because she lived with her mom and I wanted her to be able to call me anytime. She never charged the phone, so it was never being used. In May of 2008 I went to an Alltel store and canceled the contract. I paid the remainder of the bill and an early termination fee of about $350. I thought this was the end of it.

In December 2008 I found out that Peak Credit was trying to collect a debt from me for the cell phone. I was shocked and called Alltel as soon as I found out. They told me they didn't know what the collection was for because I was in good standing with them and my account showed no money due. They told me I should call the slimey collection agency to find out what the claim was.

I was told by a rude New Yorkean that I signed a contract with Beepers & Phones stating that an early termination would result in myself paying a cancellation fee equal to the loss of their commission for the contract and the cost of the phone. I was threatened by the rude New Yorker that if I didn't pay them, they will take me to court and I will have to pay the collection amount plus any attorney fees, plus interest and that I would have to include it with my tax return for 2008 and that it would count as taxable income. I told him that I did not want that to happen. I told him to send me the signed contract and I would pay $500. Two phone calls later, they finally sent me a contract that I had never seen and it was not signed by me. My name was computer typed on to the contract.

I sent them a certified letter stating that I never signed the contract and it was never presented to me so therefore I did not agree to it's terms. I then received a letter from Steve Cerrone stating that my Photo ID was proof that I was there. I told him that my photo ID was given to the Beepers and Phone Associate for the Alltel contract.

Later I talked to the slimey New Yorker again and he told me that he did have signed contract but it is in a wharehouse somewhere. I told him that I will not pay it until I see this signed contract. He transferred me to an arbitrator who told me I could see the signed contract in court. I asked them twice to send me the signed contract via certified mail. Never received any response.

Now I received a letter from Thomas & Associates. I called them and told them the story. The lady told me if I gave her $55, she would investigate the claim. I told her she is not getting any money for me and that she would be hearing from my lawyer. She also told me that they do not need a signed contract because when I first used the phone that was an agreement to the Beepers & Phones contract. I told her that it was an agreement to Alltels contract. The fact that she was trying to get $55 out of me to do her job was really sketchy. Is this Thompson & Associates a legitimate Attorneys office.

Hudson, Florida

This report was posted on Ripoff Report on 03/06/2009 08:35 AM and is a permanent record located here: http://www.ripoffreport.com/r/Peak-Credit-Services-Beepers-Phones-Thompson-Associates-PC/Largo-Florida-33771/Peak-Credit-Services-Beepers-Phones-Thompson-Associates-PC-Peak-Credit-Services-431377. 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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#1 Author of original report

Peak Credit, Beepers & Phones, Thompson & Associates, & Secure It - Still Scam Artists

AUTHOR: Chichiyao - (U.S.A.)

It is also the responsibility of the "Company" to show the customer the contract from Secure It, that they are supposedly signing by giving their drivers license. Instead Beepers & Phones takes your drivers license to enter in your information and scans it without letting their customers know.

Since when does copying a D.L. onto a contract count as a signature.

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#2 REBUTTAL Owner of company



Peak Credit Services, LLC purchased the rights to all accounts regarding to Beeper N Phones, (dealer). The facts are such that anyone who went to Beeper N Phones to apply for cellular services with any major cell phone companies, (carrier),were required to sign a contract with the individual cellular service carrier as well sign a second contract with SecureIt.

The reason for the SecureIt contract is that the dealer earns a commission from the carrier on all new contracts signed. The customer must keep his/her cell phone for at least 180 days. Failure to do so would result in the carrier back charging the dealer (financial damages) for their commission and cost of the phone.

All customers signed the contracts, provided photo id (driver license) and additional form of identification (some form of credit card or debit card).

If the customer refused to read the three page contract, why that it is my company is the "rip off" company.

Remember, it is the customers responsibility to read and understand all points in a formal contract. If they do not agree with the terms and conditions, my recommendation is do not sign and walk away.





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#3 REBUTTAL Owner of company

Two Separate Companies

AUTHOR: Steve - (U.S.A.)

To address Maria's complaint.

1. RZD Investigative Group, Inc and Thompson and Associates, P.C. are two separate companies.

2. RZD Investigative Group, Inc is a licensed private investigation agency licensed in the State of Florida. It is not licensed to do collection work and therefore does not.

3. Thompson and Associates, P.C. is a collection law firm located in the Commonwealth of Massachussets. It is licensed to practice law in MA and it collects money for its clients.

4. The only connection that the two have is that Mr. Taylor is connected with both firms.

5. What kind of complaint could anyone file with the Florida Department of Agriculture against RZD Investigative Group, Inc when it had absolutely nothing to do with this matter.

6. Mr. Taylor's role with Thompson and Associates, P.C. is that he is the Vice President of Marketing. He is reponsible for bringing new business into the firm. Once again having nothing to do with Maria's complaint.

7. Maria should have done her homework first before spouting off that the two companies are connected or even under the same ownership.

8. Mr. Taylor is not an attorney and to say that he is would be in direct violation of the law.
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#4 Consumer Comment

Wow...same story

AUTHOR: Maria J. - (U.S.A.)

These people are nothing but debt collectors. Here is their information if you would like to report them to the Florida Agriculture Dept. I almost messed up and allowed them to scam us by giving them permission to debit our account monthly toward a bogus contract. I closed my account before they could do anything. I say take me to court for a Beepers & Phone...They still wont get a dime even if they did take us...we are filing for chp 7 and believe me these people will be added...LOL

Steven B. Taylor, President
RZD Investigative Group, Inc DBA: Thompson & Associates, P.C.
7154 N. University Dr # 232
Tamarac, Fl 33321
Florida License # A260003
Fax : (206) 222- 2357

If you would call me on Monday at 978-296-5913 I think that I may be able to assist you. At the Thompson & Associates, P.C law firm we have collectors that are completely dedicated to auto/ business deficiency collections. I would look forward to hearing from you.

Steven B. Taylor Web Resume:

Corporate Title
President / Vice President

RZD Investigative Group, Inc / Thompson & Associates, P.C.

Company Description
I currently function in a dual role. I am President of RZD Investigative Group, Inc (((Redacted)))) of which is a company whose prime focus is skiptrace training.

I'm also Vice President of Business Development and Marketing for the Collection Law Firm of Thompson & Associates, P.C. This firm is based in Lawrence, MA. With them my main function is to bring in new business to the firm for collection.
City, State (or Country)
Tamarac, Fl

I would like to take the time to introduce the collection law firm of Thompson & Associates, P.C. based in Lawrence, MA. They are a young collection firm, but management has a wealth of experience. They have a call center that can house about 100 collectors and when necessary will have it filled. The goal is to have it completely filled by June 2009 and the way things are going they may very well see that goal.

The management team consists of Phil Thompson, President and Managing Attorney. Mr Thompson's collection background came from spending several years with another collection law firm in the area.

The Vice President of Business Development & Marketing is Mr. Steve Taylor. Mr. Taylor has 30 years in the collection industry from being a collector, skiptracer, and sales he brings a wealth of information and skills to this firm. His resume can be viewed at (((Redacted))) Mr Taylor can be reached at 978-296-5913 .

The Director of Operations is David Whittlesey. He has 19 years of collection and IT experience. With him on board to oversee daily operation the firm is experiencing a 25% - 30% growth on a monthly basis.

7154 N. University Dr # 232 Tamarac, FL 33321

Developed major clients in the financial services industry. (i.e. credit cards, banks, and finance companies)
Increased market share by 45 percent annually.
Increased collections from $500,000 monthly to over $3,000,000.00
Trained and developed new investigators.

Areas of Expertise
Skiptrace Training
Skiptrace Management
Marketing Management
Market Analysis
Business Development
Credit & Collections

RZD Investigative Group, Inc. Present
Created a private investigative agency designed to meet the needs of corporations in the collection
recovery industry.

Responsible for marketing and development of all training and program implementation.
Developed and marketed a skiptrace training program.
Designed training manual.
Developed marketing plan.
Developed company website (((Redacted)))

Thompson & Associates, P.C. Present
Vice President of Business Development and Marketing
Created and developed marketing plan for a new law firm entering the collection
Develop and market a collection based law firm.
Designed and develop collection proposal.
Developed marketing plan.
Responsible for all RFP's and RFI's
Responsible for traveling to industry related conferences.
Responsible for all business development.
Responsible for cultivating new and existing client relationships.

Phillips & Cohen Associates, Ltd 05/02-01/06
Manager, Information Research (Skiptracing to the trade)
Created a skiptrace team to effectively locate debtors of unpaid accounts.
Responsible for the training and development of Information Research Analysts.
Customized skiptracing training manual to conform to PCA methodology.
Developed the research protocol pursuant to PCA methodology.
Developed daily reports and graphs that are sent to upper level management daily.
Comply with all state, and federal collection laws. (FDCPA)

CNAC (Carnow Acceptance Company) 05/01-05/02
Finance Manager
Responsible for the management of credit underwriting, loan approvals, and collections for this sub-prime auto
finance company.
Developed and authored collection letter library.
Develop criteria for collateral recovery.
Maintain contractual collections below 10 percent.
Maintain deferred down payment collections below 2 percent.
Comply with all federal, and state lending and collection laws

International Intelligence Agency, Inc 01/01 -04/01
Southeastern Regional Manager
Responsible for the management of the southeastern region of this national repossession, skiptracing, investigation
and research firm.
Authored training manual for the firm.
Developed a marketing plan for the firm.
Develop marketing protocol and strategies.
Develop and train new investigators
Obtain all proper permits to make certain that the company is in full compliance with local, state and
federal laws)
Handled transportation logistics.
Handled all vehicle remarketing.

Applied Card Systems / Cross Country Bank 01/00 -01/01
Collection Manager, Skiptracing Manager
Responsible for the development and implementation of a new skiptracing department at this major credit card
issuer in the sub-prime marketplace.
Authored the skiptracing-training manual and had it adopted for use company wide. Developed the daily and
monthly reporting systems.
Developed and trained new skiptracers.
Setup production goals and expectations.
Developed the communications between the skiptracing department and the collection department.
Isolated fraud accounts and refer them to the proper authorities.
Also responsible for two collection units of approximately 40 collectors with two supervisors, and two team

Receivables Specialist Inc./International Locate & Asset Services, Inc 05/93 12/99
Vice-President, Marketing & Investigations
Trained and developed new investigators.
Developed major clients in the financial services industry. (i.e. credit cards, banks, and finance companies)
Traveled extensively for the firms to meet with prospective clients. Assisted in the development of the
company web site. (((Reddacted)))
Numerous guest spots on National, Regional, and Local radio.
Education & Certifications
Associates of Science Fort Lauderdale College- Paralegal Studies
Bachelor of Science Nova University Business Management / Marketing
Florida Licensed Private Investigator

o Most new clients.
o Most clients retained.
o Top sales 4 years

7154 N. University Dr # 232 * Tamarac Florida 33321 * Phone 954-722-0473*Fax 206-202-2097

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