• Report: #1049775

Complaint Review: Payless Financial Services, LLC

  • Submitted: Thu, May 09, 2013
  • Updated: Thu, May 09, 2013

  • Reported By: Joyce — North Las Vegas Nevada
Payless Financial Services, LLC
4400 North Congress Ave West Palm Beach, Florida USA

Payless Financial Services, LLC Did not provide proof of one loan validated.. West Palm Beach Florida

*Author of original report: Complaint Resolved

*UPDATE Employee: Why are you writing a report for your daughter??

*Author of original report: Dispute Resolved

*Author of original report: They are also known as Payless Financial Group, LLC

*Author of original report: To Payless Financial Group Former Employee

*UPDATE EX-employee responds: PAYLESS FINANCIAL SCAM >>> ASK JUSTIN FARMER SALES DIRECTOR

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 My daughter was scammed by this company pretending to validate payday loans. She signed up, paid the fee along with the bi-weekly withdrawls for their services. The agreement states that it takes 90 days for the process. It also states that they will keep you updated and work with you and work with your best interest in mind at all times. In the full 90 days she never received any type of communication or correspondence showing what was done or being done. She phoned to cancel after the 90 days and they told her she had to wait an additional 30 days to do so. She read the contract and it clearly stated that she could cancel at any time for any reason. She sent them the quote from the agreement via email and their first response was they didn't receive all the message and to post it on some support site. She did that and they still didn't respond to the cancellation. She then posted a message stating she was filing a complaint and then they responded with they were canceling it.  She then request a refund because not one of her payday loans was ever validated and she requested proof in her first email to cancel service. They tell her they are willing to pay 50% of the amount she is asking for. She feels by all right that nothing was performed as agreed to and the entire amount should be refunded. They state that per the agreement they do not have to refund anything at all. She clearly state that it is a scam to take money for a service and never intend to provide anything in exchange. They first tried to deceive her into another 30 days of payments before canceling and then they never provided proof of validating one loan. 

Their offer of 50% refund validates their wrongdoing. The problem is that they simply cannot keep the remainder. They did not earn it. They did nothing for it.  There people are scam artists. The person she has been dealing with Lawrynn. Legal action is being sought. 

 Everyone please beware of these people. You can actually validate the debts yourself. Check out  debtconsolidationcare. My daughter didn't know I knew this when she signed up. I really hope this helps save someone else. They will try to smooth this over like they are a caring organization. Don't fall for it, they are wolves in sheep clothing.


This report was posted on Ripoff Report on 05/09/2013 09:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Payless-Financial-Services-LLC/West-Palm-Beach-Florida-33407/Payless-Financial-Services-LLC-Did-not-provide-proof-of-one-loan-validated-West-Palm-1049775. 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:
4Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Complaint Resolved

AUTHOR: Joyce - ()

 Hello Employee,

The issue has been resolved. I filed something stating it when it happened. Please scroll down and read it. There is no reason to continue commenting on old resolved stuff. Take care.

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#2 UPDATE Employee

Why are you writing a report for your daughter??

AUTHOR: Happy Debt Free - ()

Why would you write a report for your daughter?? 

We go through a valdiation period that can last 120 days. At which time if these lenders are illegal they will continue to harras customer for payment since we gave you the tools to stop them from accesing your bank account. They will threaten with attorney generals, jail time for check fraud. They will also call every number you provided for references. 

After we valdiate the lenders that are illegal the loans will become null & void. If they are legal then you'll go to a 3rd party settlement company that will attempt to settle and finish the process. Most of these online lenders are overcharging interest and fees. 

You can validate the debt yourself just like you can change the oil in your car but you pay someone to do the dirty work for you. 

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#3 Author of original report

Dispute Resolved

AUTHOR: Joyce - ()

 They have finally agreed to a settlement. The dispute is resolved.

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#4 Author of original report

They are also known as Payless Financial Group, LLC

AUTHOR: Joyce - ()

 Payless Financial Group, LLC is the correct name for this business. 

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#5 Author of original report

To Payless Financial Group Former Employee

AUTHOR: Joyce - ()

 Hello,

Former employee I know you can answer this better than anyone. Do they validate any loans?? Is it a common practice if someone complains to offer 50% refund? What did you experience and see with how accounts were handled or were not handled? How long were you employed with them?

 

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#6 UPDATE EX-employee responds

PAYLESS FINANCIAL SCAM >>> ASK JUSTIN FARMER SALES DIRECTOR

AUTHOR: rathereatshitthenworkforthemagain. - ()

 I previously worked for this zoo. I cant call it any more than what I experienced. The man whom hired me was Justin Farmer. He is a narcicistic racist a*****e> He hires blacks and spanish people and put them against each other befriending them only to see whom make more money. He has favorites and makes sure he belittles any woman that crosses his path. They not only lie to people because here is the whole scam they buy leads from vendors whom are the same lenders providing the payday loans I thought that was called a conflict of interest. However they know they can do anything beyong the law because most are not based in USA some are in pakistan, costa rica, mubai or where ever. Some states prohibit payday loans and they advise their sales people not to tell the clients or your job is on the line. I left this company some time ago because Justin after lunch would stink like liquor or  marijuana.  He would also request from his employees to "hook him up" I guess he assumed since some one is black they can get drugs for him. Not only did they not pay out the correct commisions but the real owner of this place also has dealings with tax preparation places that are even more of a scam.  Look up Tax R U in palm beach county.

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