• Report: #438069
Complaint Review:

Topaz Financial Services, Swift Rock Financial Service, Mesa Rock Financial Services, Clear Your Deb

  • Submitted: Thu, March 26, 2009
  • Updated: Tue, March 16, 2010

  • Reported By:San Antonio Texas
Topaz Financial Services, Swift Rock Financial Service, Mesa Rock Financial Services, Clear Your Deb
7550 IH-10, Suite 100 San Antonio, Texas U.S.A.

Topaz Financial Services, Swift Rock Financial Service, Mesa Rock Financial Services, Clear Your Debt Incorporated, Buyer beware-- Would you do business with a Co. and lies and cheats employees?? San Antonio Texas

*UPDATE EX-employee responds: Laughable attempt to exonerate

*UPDATE Employee: Please call me I want to help

*UPDATE EX-employee responds: At what point does a company loose their license to do business?

*UPDATE EX-employee responds: I agree

*UPDATE Employee: I second the above information

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To all consumers considering doing business with Topaz Financial Services, Swift Rock Financial Services, Mesa Rock Financial Services, and Clear Your Debt Incorporated before you do business with any of these companies just ask yourself one questions. Would you do business with a company that lies, cheats, and misleads their employees? I worked at Topaz Financial Services for three months and I've never worked for a company that mislead its employees as much as Topaz Financial Services does.

Additionally, they owe me about $3100 in commission that they will never pay me and they have done this to several former employees. Furthermore, they pay their employees $9.00/hr (which is actually an advanced draw against further commissions earned). However, Jordan Lane the minority owner of the company stood in front of the
whole sales floor and said as of, "January 1, 2009 you will no longer be on a draw but you will be paid hourly plus commission and any hourly pay you recieve will not be deducted from future commission earned".

Well, a couple months later when Topaz Employees discovered their commission was short they were told by Topaz Management that this whole time they were on an hourly draw that is deducted from their commission. Eventhough Jordan Lane stated the direct opposite. Additionally, Topaz Financial Services is the only company I've ever worked for that doesn't give their Sales Reps a print out of deals that they are getting paid for on their commission checks.

I've never heard of a company doing that and they only reason why a company would do this is to DECIEVE AND CHEAT their employees. During the three months I worked at Topaz, numerous employees complained about their commission checks being short. It took them two months to pay me the $2560 they owed me and they still owe me $3100. I had to talk to Managements on about 12 different occassions to get the $2560 they owed me. Additionally, when an employee complains about their commission being short they get fired. During the three months I worked at Topaz Financial Services, they probably had 40 people quit or get fired becuase they were shorted on their commission, not paid on sales contest, or lied about being on hourly plus commission as opposed to a an advance draw subtracted from commissions.

So buy people quitting because they are not being paid their commissions or by Topaz firing people because they are complaining about not being paid on their commissions (that they earned) means one thing--TOPAZ GETS AWAY WITH NOT HAVING TO PAY THOUSANDS OF DOLLARS IN COMMISSION THAT THEiR EMPLOYEES EARNED!! So to all consumers thinking about doing business with Topaaz Financial Services, Mesa Rock Financial Services, Swift Rock Financial Services, or Clear Your Debt ask yourself one question. Do you feel comfortable doing business with a company that does this to its employees? Do you feel comfortable doing business with a company that engages in these business practices?

One more thing to consider Topaz Financail Services in San Antonio, Tx, Swift Rock Financial Services In Austin, Tx, Mesa Rock Financial Services in Houston, tx, and Clear Your Debt are all owed by the same owner but they are all under different names. That makes no sense at all. That would be like McDonald's being under different names in each city it does business in. All legitimate Companies operate under the same name to create product fimiliarity or brand recognition, that is a fundemental principle of business.

However, I think the only reason why a company would do that is to conceal their identity. Furthermore, they all operate under seperate LLC's so if one company is sued and is shut down it wouldn't effect the other companies. Bottom line they operate under seperate names to conceal their identity and to protect their interest. Also, just think of legitimate companies like Mcdonalds, Boeing, IBM, and Dell Computers. Do they operate under different name? Offcourse not because they are not trying to conceal their identity.

To all US Consumer thinking of doing business with any of the aforementioned companies just ask yourself one more question. Would you do business with a company that operates under three different names? Doesn't it seems like they are trying to conceal or decieve information? Do legitimate companies engage in that activity?

San Antonio, Texas

This report was posted on Ripoff Report on 03/26/2009 07:57 PM and is a permanent record located here: http://www.ripoffreport.com/reports/topaz-financial-services-swift-rock-financial-service-mesa-rock-financial-services-clear-your-deb/san-antonio-texas-78229/topaz-financial-services-swift-rock-financial-service-mesa-rock-financial-services-clea-438069. 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 UPDATE EX-employee responds

Laughable attempt to exonerate

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

In response to Steve Speed's attempt to vindicate, it is not only laughable but absolutely scandalous to abandon culpability and dismiss any fault of Clear Your Debt after numerous reports have been made by ex-employees.  His spurious attempt to exonerate this company furthers its devious antics.  Clearly there is unscrupulous business dealings going in within this company, and all of its aliases, by the number of complaints this company owns. 

I authored the above Rip off Report regarding being ripped off to the tune of over $16,000 and the complaint is legitimate and backed up by Channel 7 Fox news, Austin, recordings, emails, and legal attempts made through my attorney to reconcile the issue.  In the beginning of 2007, this company, after receiving countless derogatory complaints against them by the Better Business Bureau, opened up business under a new Principal for Better Business Bureau purposes in an effort to conceal their past abuse of consumers & countless complaints made.  The unfortunate circumstances are, Clear Your Debt & their other numerous aliases continue to hunt down their prey & in most cases the desperate do not research the company until after they've been ripped off, lied to, robbed of their last dime & of their minds.  Clear Your Debt's shameful, shady, villainous, & dishonorable behavior has been reported repeatedly on ripoffreport.com and through the Better Business Bureau.  Any attempt to exculpate or dismiss their swindling is laughable at this point.

Anyone with concerns that need to be addressed are better directed to the bbb.org or a private attorney who may take the case pro-bono.  Again, where are the governing agencies for these types of fraud and threats to the public? 

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#2 UPDATE Employee

Please call me I want to help

AUTHOR: Steve - (USA)

My name is Steve Speed and
as the Director of Compliance for the companies mentioned in this thread I will
just say that we take great pride in negotiating and settling millions of
dollars of debt on behalf
of our clients each month. We have thousands of clients and though we attempt
to service them all without undue conflict, sometimes that is not possible
or even a realistic expectation. Occasionally our clients chafe under creditor
harassment, which may include litigation or threats of litigation. Sometimes
they may lose their jobs or their patience.

When our clients have concerns our staff seeks to resolvethem quickly and to the clients satisfaction. Unfortunately most of the issues raised on this thread are not from actual clients. Many of these complaints have been fabricated by unscrupulous competitors or collectors looking to disparage us.

Unfortunately, some former employees who may have been
disgruntled with their commission plans have also chosen to post negative
comments. While we wish that these individuals would address their issues in an
appropriate forum that could allow for resolution of their grievance, we do
understand that the internet and message boards
like this one offer a place for such misunderstandings to be
aired. In the past we have attempted to react to such postings with an
immediate response.

In the future, we would request that anyone who may have a
concern that needs to be addressed contact me
directly at 512-539-4713. This is my direct line and I answer it myself. I look
forward to assisting you with any issues you may have.


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#3 UPDATE EX-employee responds

At what point does a company loose their license to do business?

AUTHOR: Robbed but not robbed of my mind - (United States of America)

Clear Your Debt, LLC in Austin, TX has been on Fox 7 news for ripping off consumers. Any basic on line search will pull up endless complaints against them for robbing the desperate of their last dime as well as of their minds.  They are more than dishonest and devious, they are fraudulent and need to be stopped.

At the time I was employed with the company, they had just opened doors for business and were just beginning their fraudulent antics.  I was one of the first to be ripped off to the tune of over $16,000.  I resigned from the company because I was not being paid and was later warned by a fellow employee that Derin Scott, owner and Jordan Lane, manager, were  formulating a new contract which they were intending to force me to sign which would cause me to forfeit all commissions I had earned.  After turning in my resignation, Derin Scott talked me into meeting with him and discussing a partial lump sum payment and a huge Christmas bonus as well as health benefits for my family.  I decided to take the offer and stay, given I was looking toward the 5,000 promised in 2 weeks and being paid in full to follow.  However, 2 weeks later I was given a contract to sign and was not allowed to read it.  I asked for time to read the contract but Jordan Lane asked me to leave my pay and the contract until I returned in 30 minutes after dropping my kids off.  I left my pay and the contract and 10 minutes later I received a from Jordan Lane, terminating me.  When I later called to ask Jordan why I was terminated he said for not following company policy.  I clearly communicated to him that I didn't have a chance to read it and was coming back to collect my pay and read it.  He refused to allow me that chance to read it and told me to go find myself a job.  I asked about the money owed & Jordan said, "We don't feel we owe you any money."  In fact I am still owed over $16,000 3 years later.  This company is now operating under many different names to protect their interests and assets:  Topaz Financial Services, Swift Rock Financial Services, Mesa Rock Financial Services  They are all owned by Derin Scott.  Where are the governing authorities for these types of fraud and threats to the public?
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#4 UPDATE EX-employee responds

I agree

AUTHOR: Rex Caesar - (U.S.A.)

This company is a fraud when it comes to their employees. Don't believe anything they tell you. Any deal that you do at this company you will not get paid for it. The commission goes to the company. I worked there a month ago and did a lot of deals and never got paid when I was told it was hour plus commission. It is hourly with a draw. I was lied to by several managers there.

If you do work there do not work overtime. They will not pay you for it if you are on the clock. They will go back into the system and take away any OT. They do encourage you to work overtime to get more deals but they do not want to pay you. Even if you do get a deal the commission will go to the company because of the draw. I have only seen one employee get on commission and it took months. This company will get sued one day I have no doubt.
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#5 UPDATE Employee

I second the above information

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

STAY AWAY from Swift Rock Financial! I have worked for them. They are deceptive, unstable, and experiencing severe financial issues. They just laid off half their staff and are unable to pay them or the existing personnel. **BEWARE**YOU HAVE BEEN WARNED! ENTER AT YOUR OWN RISK! This IS NOT a company you want to be paying your money to! Check out the Better Business Bureau rating of an F! And watchout as they go by several names: Topaz, Swift Rock, Orion to name a few. They too owe me over $10,000!
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