• Report: #1060987

Complaint Review: Commerce Funding Solutions or Lucien Smith or Andrew Bearstop

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  • Submitted: Fri, June 21, 2013
  • Updated: Fri, June 21, 2013

  • Reported By: Justtina16 — Charlotte North Carolina
Commerce Funding Solutions or Lucien Smith or Andrew Bearstop
4710 Auth Place Ste 650 Suitland, Maryland USA

Commerce Funding Solutions or Lucien Smith or Andrew Bearstop BEWARE OF COMMERCE FUNDING SOLUTIONS LUCIEN SMITH OR ANDREW BEARSTOP Suitland Maryland

*Author of original report: Do Your Research

*Author of original report: Such Liars and CON ARTIS!

*UPDATE Employee: Explanation of Complaint

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This company intentionally misleads potential clients by giving false or no information with the intent to FRAUDULENTLY WITHDRAW FUNDS FROM CUSTOMER'S ACCOUNTS.  They get the potential customer's banking account info UP FRONT  so they have access o the account to take money at will and use the phrase, "IT'S ALL IN WRITING"  BEWARE!  BE WARE OF THE NAME LOU OR LUCIEN SMITH AS HE IS A  CON ARTIST.  WHEN ASK ABOUT HIS SUPERIORS--- THERE ARE NONE!!  THEY ARE NOT REGISTERED WITH THE BBB OR ANY OTHER ORGANIZATION TO HOLD THEM ACCOUNTABLE!  THEY ALSO USE THE NAME DIVERSE PAYMENTS FOR THIS REASON-- SO THEY CAN GET YOUR MONEY I ANOTHER WAY!

 

Beware.  The ironic thing is that there is no information out there about any of the company officers, no inofrmation with the Better Business Bureau or any other entity to find out who they are.  I am in the process of reporting them to the SEC and Connnnnnsumer Protection Agency.  

 

 

In spite of the fact that the account Rep, Andrew Bearstop  agreed with me that this whole thing was unprofessional (there is even emal correspondence to prove this),  Lucien Smith, who seems t be the only person who has any clout , perhaps becuse he behind this whole scheme.  Even with proof of promises made , Lucien SMith only repeats these words over and over again... this is not in Black and White.....  Referring to the signed contract, which is so obsolete because what the reps tell you is totally diferent from what th econtract states. This entire business is uorganized andthey tell you one thing andthe end result is totally different.  Please be war ... Do Not give them your bank account info upfront becuse they will drain you  dry!

 

 There is a reason why this compay's info  is not disclosed.     They are crooks!  Do the research for yourself!.  ASK QUESTIONS

 

THERE IS NO INFORMATION ABOUT THIS COMPANY OTHER THAN WHAT THEY HAVE PUT OUT THERE On their website!!!  NO OTHER COMPANY THAT DOES WHAT THEY DO, have the same practices!!!!!

 

ONCE CONFRONTED ABOUT THEIR LIES, these people try to turn things around, get amnesia and act like they don't know what you're talking about!   

 

Again, there is no information on them out there so BEWARE!  ALSO, look for a report filed under CONSUMER FUNDING SOLUTIONS (wrong name) AND YOU will see consistent info on these people...look for the emailas well and the company info as proof!!!

This report was posted on Ripoff Report on 06/21/2013 09:35 AM and is a permanent record located here: http://www.ripoffreport.com/r/Commerce-Funding-Solutions-or-Lucien-Smith-or-Andrew-Bearstop/Suitland-Maryland-20746/Commerce-Funding-Solutions-or-Lucien-Smith-or-Andrew-Bearstop-BEWARE-OF-COMMERCE-FUNDING-1060987. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
2Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Do Your Research

AUTHOR: Justtina16 - ()

Do your researh on this company.. You will find nothing but a bunch of promises that turn out to be lies...  

Doing your research will return you nothng but the info on their website (and that info is put there by them).   

You will not find  any info on these people in the BBB or anywhere else.  WHAT COMPANY DOES NOT HAVE ANYONE TO COMPLIAIN TO OTHER THAN  1 PERSON WHO CANNOT BE  TRUSTED.  THEY HAVEE NO OFFICERS OR BOARD ...THERE'S NO ACCOUNTABILITY.They never-ever expected me to fight back!!!!

THEY'RE CROOKS!

Anyone else who has been scammed, PLEASE REPORT THIS EXCUSE OF A COMPANY!

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#2 Author of original report

Such Liars and CON ARTIS!

AUTHOR: Justtina16 - ()

ALL I CAN SAY IS.....DO YOUR RESEARCH AND VERIFY EVERYTHING THEY SAY!!!!! ASK FOR SPECIFIC THINGS IN   WRITING!!!!!!!  I HAVE RECORDED CONVERSATIONS  FROM LUCIEN SMITH AND ANDREW BEARSTOP!!!!  THEY BOTH ARE LIARS AND CROOKS!  IF YOU WOULD LIKE TO HEAR THE RECORDED CONVERSATAIONS. PLEASE FEEL FREE TO POST AND I WILL BE FOLLOWING UP.....  

 I INITIALLY GAVE THE COMPANY A DIFFERENT BANK ACCOUNT (AND THANKGOD I DID)...BECAUSE THEY ARE JUST ONE OF MANY SCAMMERS OUT THERE , LIKE CFS, WHO ARE OUT TO GET YOUR MONEY AND MAKE IT HARD TO GET IT BACK -- FROM THE BEGINNING,  I WAS NOT 100% COMFORTABLE WITH THEM I DECIDED TO USE THE SAID ACCOUNT (ADVICE FROM A CURRENT BANKER TO NEVER-EVER GIVE OTHERS CONTROL OF YOUR ACCOUNT).

THEY WERE PUSHING SO HARD AND SO FAST AND IN ADDITION.  I STILL THOUGHT THIS WAS A GREAT SERVICE OPTION TO HAVE . LKE I SAID, ANDREW BEARSTOP TOLD ME THAT IT WOULD TAKE ANYWHERE FROM 48 HOURS UP AND AS LONG AS 5 DAYS TO BEFORE I WOULD HEAR SOMETHING BACK.  IT WAS 4 HOURS LATER WHEN I GOT SOMETHIN BACK BY EMAIL WHICH MAKES IT AFTER 9PM!   AND BELEVE IT OR NOT, THEY HIT MY ACCOUNT!    I WAS HONESTLY NOT EXPECTING TO HEAR BACK FROM THEM BEFORE 2 DAYS.. AND THENI WAS GOING TO  MOVE THE MNEY OVER AFTER SUPPOSEDLY FEEL BETTER.  I'M SO GLAD I DIDN'T!!!  THINGS GOT WORSE.   BY THE WAY---WE HAD NEVER-EVER HAD ANYTHING TO OVERDRAFT!!!!!!!

 THE REASON I USED THE SECONDARY ACCOUNT IS BECAUSE  I INQURED ABOUT WHY THEY ASKED FOR THIS INFO UPFRONT AND I WAS SCEPITCAL.   AND THEY FACT THAT THEY PUSHED SO HARD.  I WANTED THIS SERVICE BADLY BUT AGAIN, I WAS SCEPTICAL....  ANDREW USED HIS CON-ARTIST SCHEMES TO CONVINVCE ME TO GO AHEAD AND I DID--- IT WAS WITH HESTANCE.   SO I TOOK PRECAUTION.   2 DAYS PAST AND I STILL HAD RECEIVED NO CONTACT FROM THE COMPANY SO I CONTACTED THEM VIA THEIR CHAT  AND THE REP I SPOKE WITH DID NT KNOW ANYTHING.   IT WAS ONLY THEN THAT I GOT A CALL FOM THE CROOK, LUCIEN  SMITH AND I INFORMED HIM OF MY CONCERNS AND THAT I WAS NOT SURE IF I FELT COMFORTABLE WITH THE WAY THINGS SEEMED.  IT WAS AT THAT POINT THAT HE ASKED ME IF I WANTED TO  HALT EVERYTHING (I THINK IT WAS BECAUSE HE KNEW I WAS ON TO SOMETHING).  I DID SAY NO THAT I WOULD LIKE GET A BETTER UDERSTANDING AND FOR SOMEONE TO AT LEASE SHOW ME HOW TO WORK THIS THINGS.  I NEVER EVER GOT MY MERCHANT NUMBER TO EVEN START ACCEPTING APPLICATIONS FROM MY CUSOMERS!    I HAD ASKED HIM IF THAT WAS THEIR STANDARD PRACTICE---FOR THEM THIER CUSTOMERS TO JUST FIGURE THINGS OUT ON THEIR OWN.....(BY THE WAY, I ALSO HAV A COPY OF THE TRANSCRIPT FROM THE CHAT WITH THE CS REP).  

THE NEXT DAY, I WAS LOOKING AT MY ACCOUNT AND THAT'S WHEN I NOTICED THE ATTEMPTED TRANSACTION FROM THEM ON MY ACCOUNT.  I WAS FURIOUS AT THIS POINT.  WHEN CONTACTED ANDREW BEARSTOP SAID HE WAS SHOCKED THA THIS HAD HAPPENED AND ASSURED ME THAT THIS IS NOT THE WAY THEY DO THINGS.  HE THEN ASKED ME IF I WANTED TO PUT EVERTING ON HOLD AND I AGREED.  HE SAID ALL I NEEDED T DO WAS SEND THE REQUEST TO HIM I WRITING AD THATS WHAT I DID.  I NEVER-EVER HEARD BACK FROM HIM OHER  THAN AN EMAIL SAYING THAT HE GOT THE EMAIL AND ACKNOWEDGE AND PASSED T ON TO HIM ACCOUTING DEPARTMENT.    HE NEVER CALLE ME BACK EXCEPT I WHEN POSTED THE FIRST COMPLAINT.   I CALLED HIM ABOUT 6 -8 TIMES AND HE NEVER RESPONDED UNTIL ('M SURE HE SAW MY FIRST COMPLAINT.  THAT'S WHEN THE DEMON, LUCIEN COACHED HIM.  HE FINALLY CALLED WIH 2 DAYS AGO WITH AMNESIA.   BUT.  HE DID ACKNOWLEDGE THAT THEY TOOK THE 69.95 FROM MY ACCOUNT AND I WAS NOT A MEMBER AND TINGS WERE SUPPOSEDLY AT A HALT WHEN THEY RECEIVED MY MEAIL.  ..LUCIEN SMITH HAD STILL INSISTED THAT I WAS A MEMBER (I ALSO HAVE THA CONVERSATION RECOREDED).  

 LISTEN PEOPLE, I DON'T CARE WHAT YOU DO WIT YOUR BUSINESS I POSTED THIS TO HELP YOU GUYS..SO IF YOU WANT TO TRUST THESE PEOPE, GO AHEAD..I HAVE WARNED YOU!...  AGAIN THERE'S NOTHING UT THERE ON THEM EXCEPT WHAT THEY PUT OUT THERE!!!  THERE ARE OTHER / LEGITIMATE COMANPANIES OUT THER THAT REALLY DO WHAT COMMERCE FUNDING A THEY DO....... DO YOUR HOMEWORK!!!!  LOOK AT OTHER COMPANIES AS WELL!!!!  THE REST IS UP TO YOU!

 

LIKE I SAID, IF YOU WANT ROOF, PLEASE POST AND I WIL RESPOND!

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#3 UPDATE Employee

Explanation of Complaint

AUTHOR: CFS Operations - ()

We received notice of this report after said customer filled out an enrollment application to become a member merchant with Commerce Funding Solutions.  Merchants join our company in order to offer a financing solution to their clients.  When this merchant submitted their membership application, they submitted an invalid form of payment that caused the transaction to be declined due to insufficient funds in their bank account.  When their check bounced, it caused an overdraft fee to their bank account.  This merchant then called our company repeatedly and asked to have a letter-of-fault issued so that they could have the overdraft fee refunded by their banking institution since they could not afford the $32 loss.  We could not issue this letter because the merchant was at fault for submitting an invalid form of payment.  When we could not issue this letter, they then became irrate and filed this fraudulent report.  Our company is totally transparent and has nothing to hide.  If you have questions, you may call the company directly.  In conclusion, ALL merchants should submit valid forms of payment with their enrollment applications.  If you are unable to afford the company services, do not fill out and send in the documentation.  Again, please refrain from sending enrollment applications with invalid forms of payment.  Thanks.

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