Beneficial Client Care VISA Scam A trio of 2 women, 1 male telephone tagging across three lines. Jonathon Richardson ripoff $247 lost to this scam. New York? *EDitor's Comment ..Imperial- Beneficial's days are numbered

Mr Ed.
Im not sure if I should thank you or kick you in the nuts, but thanks to your site and the many sad stories on it, I think my moral thermometer burst. The pictures of families destroyed is definately a nice touch.

I don't sell "credit repair packages" over the phone any more and my new "honest" job doesnt come close to having the same pay. It took an uncountable number of panic attacks to figure out where they were coming from but "my karma being screwed" was an understatement. I haven't scammed an american in 6 months and i still wake up sweating from my nightmares. Though I must say none of those nightmares include prison or bad unacredited canadian universities. Just the knowledge of what I have done and how I cant go back to change it.

My original post stands. There is not much you can do to stop companies like this except educate the public that they are out there. BE WARY! Call the 800 or 866 #s first. Don't blindly go for the prize. The people I worked with are good at what they do and they are still doing it. They are not just Nordique Nitwits from low tier Canadian Universities as this site often tries to portray them(in fact I think do so provides a disservice to the people you are trying to reach). On top of that, they are coming up with new but similar scams everyday. Don't get me wrong, good ol George is pushing for some heavy handed laws but they havent been passed yet let alone enforced. It remains to be seen how an individual in the U.S. is effectively able to sue a company in Canada. Sounds like alot of hassle and expence to me; definately more than $247.00.

Kudos Ed to a great page. Keep informing the masses but again remember the company I once worked for doesn't contact the masses. They call low income families with poor credit and no education passed highschool. The same people who probaly don't see the internet as a priority in their household. Maybe you should try some public service anouncements in the medium of telavision. I dunno....sorry...I just know former colleages that still make $40 000-$60 000/year and they aint selln' girl guide cookies.

The very small percentage of victims that post on this site is just that, a very small percentage. Most victims just suck it up and take the loss as a lesson learned. This has to be true because I've read every d**n post on this topic and I know all the complaints together don't add up to one week of sales at my former office. The sad part is my former office is just one office and this site has mentioned companies I've never even heard of.

Anyway this is getting longer than I meant it to be and probally all for naught as I don't think anyone will ever read it except maybe the eds. It doesn't look like anyone has checked up on BCC for quite a while and I have no idea what the new campany name is.

Just thought you guys at the Rip-off Report would like to know you've helped changed the path a few mis-guided maple leafs. Thanks for the advice: spell check is great and if I ever go to prison I will make sure to invest on soap-on-a-rope. Also, abooot the candian spellings... they made me feel right at home. Thanks!

If any of the victims do by chance see this all I can say is I am truly sorry and i know that will never be enough.

-No Longer your Nemisis North of the Border

Called the cell. # for Ron listed in editors letter and actually spoke to him! He apoligized and said it was the first call he had regarding this matter. He took my phone # and within ten minutes an I.M.C. customer service rep named steven tyler called and said a certified check would be mailed in 10 days....We'll see if this is true! Kyle

The following comments are based on information obtained from various outside sources. These sources include, but are not limited to employees, former employees, former business associates, and victims.



NOTE: Notice the several Canadian spelling contained within this report. We always try to cater to our diverse readership.



Nemesis,



You obviously must not be learning too much from that lousy low tier Canadian university; a school that you probably don't even attend. Do you really think that you can just show up for work and turn off your moral thermometer? It is not that easy my misguided maple leaf! Once you become aware of a crime in progress, you have an obligation to report it. If you fail to report it, or worse, continue to partake in the illegal behavior for financial gain, you become criminally liable. You are selling people a line of credit that you know can not be delivered. By doing this knowingly, you are guilty of criminal behavior, and so is Beneficial (and all the other names they create each week).



PREPARE FOR WHAT THE LAW HAS IN STORE FOR YOU

Don't fool yourself Nordique Nemesis, by American standards, you're not too bright. The computer that you used when filing this rebuttal has a specific IP address. When it comes to victims of fraud, we protect their IP addresses and personal information at all costs. In your case, however, the IP information will be turned over to law enforcement, and used to track you down. So, when Beneficial Client Care finally meets their demise; something that will definitely happen shortly, you will, without a doubt, be finishing school from the inside of a U.S. or Canadian prison. If you think that won't happen, write to the former employees of a similar Canadian based advance loan fee scam that was recently busted. When you do, ask them where they are now, and ask them what an involuntary same sex relationship is like. This will help you to prepare for what the law has in store for you.



BENEFICIAL'S DAYS ARE NUMBERED



In any event, we have been investigating this extremely fraudulent outfit for a while, and we are certain that Beneficial's days are numbered. During the course of our investigation, we came across a lot of new and interesting evidence. In fact, a few of the boiler room employees that Nemesis seems to trust so much, have revealed a lot about the operation; ironic, eh? These few brave individuals have given us full names, cell and home phone numbers, and home addresses for many involved; including executives Kassner, Corber, Martel, Bascove, and Rosen. They are still providing us with valuable information to this day, and have promised to continue to do so until law enforcement steps in.



On top of contact information, we have been provided with copies of fraudulent phone scripts, company memorandums, and even photographs. We were also supplied with a few Canadien social insurance numbers. Most importantly though, we have several full length sales pitches; from the "prep" to verification phases, recorded in their entirety, on audio tape. These tapes will no doubt prove useful in upcoming legal proceedings. Additionally, they will eventually be added to sound bites of your fraudulent promises to various Rip-off Reports so that law enforcement and consumers can understand the severity of your unscrupulous activity.



MORE LIES



After gathering evidence through our own research, and learning more from insiders, we took action in an attempt to help the victims. More specifically, we brought our findings and concerns to the attention of Imperial and Beneficial executives. At first, they admitted that there were problems, but tried calling them honest mistakes. We never believed that, but in an effort to help those who were scammed, we played their game and tried to make a mass refund deal. This proposed deal was to include the return of victim expenses such as phone bills close to $800+ for some. When it was all said and done though, Beneficial refused our mass refund terms, and instead, continued with their unscrupulous behavior by creating new company names in order to throw off unsuspecting consumers. They stated in every single one of our taped telephone conversations that they always refund unhappy customers, so such an arrangement was not necessary. They also stated that they were able to figure out who many of the unsatisfied customers on Rip-off Report.com were, and that many of those people were either refunded or liked the package they received.



As a result of those comments, we reminded Beneficial that to date, no victim has ever updated their report to indicate receiving a direct refund, or stating they made a mistake and like the useless package Beneficial sent.. In fact, the only way people seem to get their money back is via an ach reversal. Funny, eh? If Beneficial is so eager to issue refunds, why are there so many of these Fed Reg E ach reversals?? And why are these the only refunds mentioned on Rip-off Report?



Also, when calling Beneficial, customers either get a message or no answer at all. Often times, the phone just rings and rings and rings. Therefore, since it is so difficult to reach Beneficial aka Imperial via their customer service telephone number, it would be near impossible for victims to get a refund even if the company did honor the money back guarantee. The comments of Nemesis regarding how Beneficial has no real valid telephone numbers, only serves as further proof.



It has now been weeks since we last spoke with Beneficial and asked them to make some changes. However, according to our inside sources, Beneficial Client Care aka Imperial ignored us, and are still participating in fraudulent and unethical activity. The executives such as Wesley Rosen, Mitch Kasner, Tracey Bascove, William "Billy-boy" Martel, and Ron Corber, along with many of the boiler room telemarketers, are knowingly committing crimes; at least according to employees. The executives, and even the regular workers who are voluntarily helping to perpetrate this scam and rip off innocent Americans for personal financial gain, will suffer severe consequences. The aforesaid individuals, not the victims, are the arrogant ones, my friend, and will end up in jail along side their Ontario counterparts for unlawfully mooching from our hard working AMERICAN citizenry.



Ron Corber (and crew), your time is certainly coming. The fact that your own ach PROcessor (Capturdyne) dumped you as a client is indicative of what's to come. If you are so untouchable, why did they leave you?? Eh Ron?? Ron, you need to recognise that your only way out is to do the right thing by ceasing operations, and refunding ALL victims. Do yourself a favour, and close your doors forever! Tracey Bascove & Bill Martel of 233 GREENBRIAR DRIVE in Lake Park Florida (33403), it is also time for you to blow the whistle, and put this to an end. If you don't, we will be sure that you are included in any legal action. I promise, we will see to it that your registered agents Lawrence J. Spiegel & Utrera PA (1840 SW 22ND ST 4TH FLOOR MIAMI FL 33145) earn their money.



TO THE MANY VICTIMS.....



If you are a victim of this company and want a refund, try calling Ron and staff directly at 514-247-5900 (cell) or 1-866-825-6555, or fax him at 514-448-4501. Let us know if he really keeps his refund promises. If that doesn't work, call the company's registered agents Spiegel and Utrera at 305-854-6000 or fax them at 305-857-3700. If you still don't get satisfaction, why not just serve them up froggy style with a small claim lawsuit, and let your local court settle this issue?



We would publish home addresses, along with some of the social insurance and social security numbers, but out of fear for what could happen to THEM, we will keep that information to ourselves for now anyway. However, if an insider posts that information, it will not be removed; under any circumstances. So you better hope that your inherently trustworthy co-workers don't turn into crazy little Canucks, and file their own stories!



Take care, Nemesis Maybe one of your satisfied customers will send you a money order for use at the prison store. I wish I had some good advice for you (I always like to return a favor), but aside from use spell check when possible and don't drop the soap, all I can say is; don't waste any more time with any more skoolin, even if the school is a lousy unaccredited one located within Canadian borders. A criminal record will certainly counteract most, if not all, of the benefits associated with a college education.



Mitch, Ron, Tacey, Billy-boy, and Wes, keep in touch; drop us a line from the inside! Remember, keep those cheeks tight!

If any other employees or former employees wish to do the right thing, please call or email us, or contact the FTC as soon as possible. Do yourself and everyone else a favor; come forward and stop this fraud! Think a-boat your future, and help to end this now! You have the opportunity to save many innocent Americans a lot of heartache; take advantage of the opportunity before it is too late. Who knows, by coming forward now, you may be able to avoid a long prison stay.



ED Magedson

EDitor@RipoffReport.com

badbusinessbureau.com

www.ripoffreport.com



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I am a rep for BC aka Benefical Client Care ICS Imperial Consumer Services Sourse One Credit, Credit Source. My jobs is to prep the clients for the verfication prosess if the client answers 'yes' to all the questions my boss asks him on tape then I have my job.



We target low income families with poor credit our demagrphic tends to have no education pasd high school so they are easy to manapulate not to say I havent coned a few doctors... Arogance and ignoranse mix a fine cocktail called Dr Mooch



My office has 50 reps agd 16-25 years old and over half of us are putting ourselfes though universaty with your money.



I work with awesome people. Smart, personabile, sharp, witty, kind,. The kind of peoples you can inherentley trust. Except when we're at work at work we are able to turn our moral thermometer off because the company we work for pays us crazy money. I work part-time (25hrs/wk), and go to scool and still am going to grosse $40,000 for the year.



Its easy....too easy I write 20 deals in a day like its nothing we the call clients mooches because its true i thier is one thing I have learnd from this job its its is that a mooch is a mooch is a mooch and the mooch likes to buy,



At least 30% of my sales are repeat victims people who have been scamed the exact same way 3 and 4 times over. They say "I'm not doing this, I was scammed alredy by you bastards!" So I use alot of the helpfull hints also found on this website to explain how to get there money back though their bank. Then I suggest they find another ruote through which to obbtain credit rather then telephone then I tell them I will termnate there file so they wont be botherd any more then they say "No wait, please don't terminate my aplication! I have my checkbook right here."



The mooch hears what he wants to hear and nothing eles. The verification process does state exactly what your receiveing in very simple terms I credit repair package with multiple major credit card offers included "The card will not be in the package but ratherer it will come to you from the bank with there approval".



I tell the mooch what he wants to hear verification tells him what he needs to here and of course the mooch hears what he wants.



I sound good on the phone and so do the people I work with most of us have some sort of secindary education so we don't sound like punk kids or shady salesmen. We hone our pitch and it shows 21,000 orders in six months is a conservative estamite that's $5,187,000 in orders. (probally more because we have raised the price 3 times along with company name changes). If your on the phone with us we have you at a disadvantages gaurruanteed.



Advice? What possible advice could I give If your reading this its too late I already called you. Warn your relateives cause i'm going to call them next don't forget because I'll call you back. And for the love of God, next time I do call INSIST on a number you can call me back at emediatly and then call me back. Chances are I will offer up some lame excuse of why we cant take calls at which point you should start to figure out I'm not legitimate this is one of the very few objections that is HARD to overcome and most these files get terminaded.



My karma is screwed but I have a most of my degree and no student loan. I live very comfortabley and I want for naught. This is what your up against.



Thanks for everything America,

Your nemesis north of the border

The phone box is always full. To check out the owners there corporate name is WWCI2002, INC. To check it out go to the Florida Secretary of State site at www.sunbiz.org.

People in the US are so lazy and dumb. From Canada we look at you as the fat and stupid generation where television has ruined the attention spans for the upcoming generation. With this demise also comes the ridiculous ability to be so unintelligent that one must buy a credit card application over the phone.



If it sounds fishy just hang up, but instead you guys, because there are so many of you, go to the bank and get the application there, for free. The people in the US send in to all the scams so that they could see if the get something back or truly get scammed. Dont even bother picking up the phone nemore, ypu guys are just that dumb.

ALL TELEMARKETERS SHOULD BE ABOLISHED! Obviously THIS one does not even know what he is selling!!



A BOGUS credit card, WAKE UP FOOL! You are as bad as Tracey Bascove and William Martell! They are just "shell's" for higher ups themselves, so that makes YOU go way to the bottom of the pole.



You said you offer credit consolidation? WHAT? You go to a store, and hand over $250 for groceries, and then have them tell you ....NO Groceries for you..HA, HA, Fool, but we will keep your money.



This is what you are doing. EXACTLY WHAT YOU ARE DOING! In the USA it is called STEALING.



Unfortunaltly, there are many just like this out there, but they always "get theirs" in the end!

CONTACT FLORIDA ABOUT THESE CROOKS, ALL OF THEM.



http://www.doacs.state.fl.us/~cs/ccform.html

It seems that there are many complaints on this sight that are nonsense. In reply to the editor, I would like to point out that his comments are abusive and unfounded. If he would like to generalize about other companies, that's fine. To outright say that the customer service reps are "smokin', jokin' and doing their nails" is an unwarranted attack on our organization.



Those comments are unfounded and if he wishes, he can come down to the office and see our employees hard at work on the phones with people who have questions about the service, questions about billing, are looking for refunds at times and mainly people who tie up the lines yelling and screaming when we have never even debited them to begin with.



Those calls are mainly generated by people with an excess of time on their hands, looking for a fight. These people can be found on this site as well, they are the people who take the time to type in things like, "the 866 number is a scam" or "I got a phone call and asked for a supervisor..... said I would stay on hold....." NONSENSE! These types of people do nothing but hinder us from doing our job and getting through to people who have legitimate issues regarding this service.



Mr. Editor, try calling the line again, when you can't get through leave a message and see how long it takes for us to call you back.



In closing I would like to say that this is my last visit to this site as it is a waste of my time to defend the company (I am doing this on my own time and by my own will) against frothing, rabid attack dogs looking for blood. My message to anyone with a LEGITIMATE issue is this: call the customer service line. If you can't get through, leave a message, we'll get back to you. If you are truly unhappy with the service, YOU WILL OBTAIN YOUR REFUND.



Regards,

John,



The only thing left for you to do is close your account, file unauthorized debit affidavit...IF THEY HAVE TAKEN MONEY OUT, and file complaints with the FTC, The Attorney General in Florida, and Consumer Sentinel.

I was just coctaced by them on 7/31/02. I had a male operator..when i asked for the name of the company he told me Beneficial Client Care. When I asked what bank the visa is being issued by he became abusive...cursed at me for asking questionsm and when i said I wanted to talk to a supervisor he just held the phone and didn't say a word. When I told him I could hold on the phone as long as him, since the call wasn't costing me anything he hung up. The call shows up on my called id as a unknown name and number. my suggesstion is to answer and just hang up on all unknown name and numbers.

I just read the response from the Beneficial Client Care/WWCI2002, INC. employee to the latest complaint and it looks like the lights have been turned on and the cockroaches are running for cover.



This company is an absolute scam in every sense of the word and no one, NO ONE, should EVER give ANY of their information to these scam artists over the phone. In fact, just hang up if you get a call from them.



Hopefully, with the word out on their physical address and real names, they will fold and cease with the lame pretense that they are legitimately trying to help people rebuild their credit ratings. They are only after your $247.00.

As the case with any company contracting call centers for telephone solicitation, sometimes the waters become muddied.



First off any 866 number is toll free, check with your local phone company.



Our organization specializes in credit repair. That is made clear throughout the order and verification processes which are recorded.



When any situation occurs in which we have an unhappy client, that customer is refunded. The truth is that the service is actually a good one, it teaches people how to establish and maintain good credit as well as offering them numerous savings on multiple retail items and services.



I regret that anyone feels this way and would hope that unhappy clients would take the proper steps in pursuing a refund or credit should they feel they were mis-lead.



My only advice to these people are the above, as well as the fact that you should pay closer attention to what's being said and recorded on the telephone. They should listen to everything rather than jumping to a conclusion that satisfies their immediate needs.



Again, I regret that people feel badly towards any misgivings that stem from telephone solicitation.



Please realize that the independant sales offices that do the calling are contracted by us and are heavily scrutinized before coming on board.

Regardless, an internal investigation will commence in order to get to the bottom of all complaints listed on this site and any other.



Should you wish to obtain any further information, please contact us at our toll free number: 1 866 999 0330.

Our job at customer service is to solve these types of problems.



Best regards

I checked with the toll-free information operator and the prefix 866 is NOT a toll free prefix. The scammers tell you it is, and if you call the number they give (1 866-999-0330), all you get is a terminally full voice mail box.



By the way: My reps name or aka was Victoria Tines, operator 1173. I'm sure it is a fake name now that I have read the other reports on this scam.



They gave me a debit date, but as far as i know, nowadays there is no such thing as post dating. The banks don't allow it anymore--at least in CA. So, will they debit my account on August 9 2002 as claimed, or tonight?

I checked with the toll-free information operator and the prefix 866 is NOT a toll free prefix. The scammers tell you it is, and if you call the number they give (1 866-999-0330), all you get is a terminally full voice mail box.



By the way: My reps name or aka was Victoria Tines, operator 1173. I'm sure it is a fake name now that I have read the other reports on this scam.



They gave me a debit date, but as far as i know, nowadays there is no such thing as post dating. The banks don't allow it anymore--at least in CA. So, will they debit my account on August 9 2002 as claimed, or tonight?

I checked with the toll-free information operator and the prefix 866 is NOT a toll free prefix. The scammers tell you it is, and if you call the number they give (1 866-999-0330), all you get is a terminally full voice mail box.



By the way: My reps name or aka was Victoria Tines, operator 1173. I'm sure it is a fake name now that I have read the other reports on this scam.



They gave me a debit date, but as far as i know, nowadays there is no such thing as post dating. The banks don't allow it anymore--at least in CA. So, will they debit my account on August 9 2002 as claimed, or tonight?

Beware this phone number and I caution ANYONE who uses 866 numbers that they do not have to be listed by any phone company to have a physical address.