• Report: #896324
Complaint Review:

Peak Financial Solutions, LLC

  • Submitted: Tue, June 12, 2012
  • Updated: Wed, July 25, 2012

  • Reported By: yngnedu — Pattison Mississippi United States of America
Peak Financial Solutions, LLC
P.O. Box 2367 Pinellas, Florida United States of America

Peak Financial Solutions, LLC Internet payday loan scam!! Pinellas, Florida

*General Comment: They need to prove you received the loan and signed the agreement

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I decided to check my credit report for accuracy, and one of the inaccuracies I knew for a fact was a scam. It had something to do with a collection agency name Peak Capital Corp. (or Peak Financial Solution). They say that I got a loan from National Payday Loan for $500.00 and now with interest and fees I owe $1,512.00. I have taken out payday loans, but I have used the same ones and paid them back consistently. Neither one of them is National Payday Loan. I also called my bank that I know longer have the bank account that I was supposedly had received the funds and the bank told me that they saw no deposit from a payday loan for that amount in the time frame that the collection agency claims. www.nationalpaydayloan.com is not even a properly formatted online payday loan website. When you click on "Member Login", it takes you to like a search of the words "Member Login". When I called the collection agency, the guy got smart with me and was very unprofessional. It seemed like he tried to talk sophisticated jargon to try and confuse me. He kept stressing I should settle the debt, but he is not going to remove it from my credit report. After I told him that I was going to pay anything, he just said that there was nothing for us to talk about then. When I disputed it on the Experian website, I got a letter from them stating that the claim is "verified as Reported" and will remain on my credit report. I am stuck right now and don't know what my next step should be.

This report was posted on Ripoff Report on 06/12/2012 09:51 AM and is a permanent record located here: http://www.ripoffreport.com/reports/peak-financial-solutions-llc/pinellas-florida-33780/peak-financial-solutions-llc-internet-payday-loan-scam-pinellas-florida-896324. 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 General Comment

They need to prove you received the loan and signed the agreement


Since they can't prove it, report to the FBI and inform that company that you are going to lump them in the payday loan scam with the other reports currently under investigation:

Furthermore, get back in touch with the your consumer reporting agencies and point out that the burden of proof is on the creditors. They need to show proof that they sent you the loan (cashed check banking wire transfer confirmation #, etc.) and they need proof (your signature) that you agree with their loan terms. If they can't show proof of those two things, the credit agencies have to take them off your credit history. If they provide fake information, you're required under law (your consumer protection) to receive a copy of whatever documents they send to the reporting agencies so that you have legal right to confront your accuser with your side of your proof and truth will show in the end, especially when it comes to electronic evidence such as banking transactions, etc.

I filed with the FTC & I filed with the FBI
I called to check on the FBI report and apparently these folks in India have been going around doing this with other phone numbers scamming people. 

Apparently the FBI is working on this and the direct link on their website to the "payday loan scam" is http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710/

They FBI is calling this an "extortion" scam related to people who applied for payday loans.

The FBI is investigating this because their is a front man living here in America (who is from India) - The money initially goes to him in his American account and then he feeds the money to his "operators" who are located in India.

ABC News link:

Report them to the FBI because it's still under investigation and there has been lawsuits filed against the indian guy who is living here in America.

To file with the FBI: https://tips.fbi.gov/

To file with the FTC: https://www.ftccomplaintassistant.gov/

They're still working on this case, but since the front man lives here in America and ABC went to his house and all the money initially goes to his account, this might be just the loophole that the FBI will need to get these folks stopped

Apparantly they've called well over 600,000 people and have made well over 5 million dollars from their scam. We need to stop them and since the front man resides in America, the victims should file a class action suit against this man and get back their money.

Some of the numbers they've used are:
540 650 7602
814 326 9205 

Some of the names they've gone by:
John Smith
Terymi Mossage 
Mark Smith
Max Campbell
Max Gamble (Attorney)
Ronnie Cooper
Steven Scott
William Johnson (Officer)

Company Names that they've gone by:
IC-3 (Internet Crime Complaint Center)
Cash Advance America

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