Report: #554987

Complaint Review: Topaz Financial Services, Swift Rock Financial Service, Mesa Rock Financial Services

  • Submitted: Fri, January 15, 2010
  • Updated: Sat, September 25, 2010
  • Reported By: Red — Youngstown Ohio United States of America
  • Topaz Financial Services, Swift Rock Financial Service, Mesa Rock Financial Services
    PO Box 82825
    Austin, Texas
    United States of America

Show customers why they should trust your business over your competitors...

   Thinking I made a smart decision just slightly over a year ago I signed up with Topaz Financal on a program that would get me out of debt in 3 years. They stated i was to stop paying my credit card bills and not talk to anyone calling me in regard to these bills. Every month they took the fee out of my personal checking account that was supposed to be for multiple purposes like paying my bills & negotiating settlements. Of course ALL of their fee's were taken off the top to cover their services. Then they started to bank money in my "savings" account to help me pay any settlements.
   Well in 1 year they took me from a bad situation to something 10 times worse. None of my bills had been paid, I was being sued by 4 credit card companies, I had my personal checking account garnished by a credit card company because of defalt judgement, I was supposed to go to court for a civil Pre-trial on another card...should i go on? 
   I e-mailed and requested cancellation of my account immediately with a full refund of all moneys that had been sent to them. Well, they state that they can only give me what is in my "savings" account which is less than 1/3 of what I paid out to them. Needless to say when I called in flippin out on them I was too upset and I was making the wrong decision in wanting to cancel my services because I didn't understand how the process worked. I all of the sudden got all this personal attention that I didn't get before since I had a melt down and jump on someone about it. I heard out what was being explained to me as to how the whole process worked and how my money was used. I was also told due to my discontent with them that they would forward copies & documentation via e-mail of all the activity on my account up to this point so that they could prove to me they were doing something. Guess what...NEVER got those e-mails.
   On New Years Day when I discovered that my checking account had been garnished is when I broke down. I called the personal number to a rep at Topaz and SURPRISE he didn't answer so I left a messege...yep didn't call back either. I promptly e-mailed and cancelled my account with them AGAIN since there was no point in staying with them. I got a response from them trying to convince me that I needed to stay in the program in order to see results. Ok, really? I think the results of my credit being COMPLETELY distroyed as well as money being taken from my checking account leaving me with nothing due to a situation that THEY put me in...yep those are enough results for me to walk away.
   Currently in the process now of filing bankruptcy due to all of this which I wouldn't had to do over a year ago. I am still being told that I will get a refund of my money in my "savings" account, but I can just kiss the rest good-bye which is a hefty amount compared to what they are giving back...and I still have NO PROOF of what they claim they've accomplished or done for me or my accounts since the beginning.
   Here's where it gets interesting...when I signed my contract some things said Topaz Financial and some said Swift Rock I've noticed that the website of no longer exists...and all the e-mails I'm recieving from these people are now coming from Orion Processing...hmmmm if you are changing your name that much then there must be something shadey going on!! 
   Personally...I will never again do something like this without first consulting with an attorney. I advise that everyone else think LONG and HARD about getting involved with any of these companies.
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This report was posted on Ripoff Report on 01/15/2010 09:29 AM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 UPDATE EX-employee responds


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

A Class Action lawsuit has been filed against Topaz Finacial Services, Mesa Rock Financial Services, and HR Manager Dorcas Holder and Owner Derrin Scott.  The lawsuit was filed by ex-employees of these companies for not being paid for overtime. I company highly pressured employees to work 60-65 hr per week but didn't pay them overtime.  They told the employees that since they got paid hourly plus commission they were eligible for overtime.  Which is not correct and against the law in Texas. I'm suprised this is the first class action lawsuit against these companies.   They also cheated hundred of ex-employees of commissions earned.  I suprised a class action lawsuit hasn't been brought up against them for unpaid commission.  I think the reason is because that is harder to prove.  I'm writting this report to alert customers to avoid these companies becuase it they would cheat employees and not pay them overtime or commission they can't be trusted.  These companies are dishonest and have cheated 100 of ex-employees and for this reason you should not trust this company with your money. Buyer and consumer please beware of these decietful companies and individuals (Dorcas Holden and Derrin Scott).

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In response to Mr Speed's above statement, potential clients and employees don't believe a word anybody from Topaz Financial Services.  They are a bundle of scandalous, unscrupulous, deceitful, and shady bundle of characters.  The only reason why Mr Speed is responding to people's post is becuase they are considered and threatend that the truth is coming out.  The have an F rating with the Better Business Bureau and they have hundreds and possibly thousands former employees and clients have have been scammed that are speaking out.  He is responding to these ads just to create a fascade that he is really concerned about righting all the wrongs they done.  Also, just to give the impressions to people reading these post that they will resolve theses issues.  The fact remains they have scammed thousands of former employees and clients and the people they have scammed will never see the money they were scammed off.  Don't believe a word they say.  Derrin Scott, the owner of all these companies is an absolute fraud. He professes to be a Christian yet he lies and cheats people.  He is the wolve in sheeps clothing depicted in the bible.

I'm a former employee of Topaz Financial Services and they still owe me $3100 in commission since Jan 2010.  I called and hounded the top people of Topaz trying to get my money and they would also say, "we will pay you all that we owe you and we would never cheat anybody.  Yet they never paid me my money.  I called them twice a day for a month but never got my money. All i got was false promises like the above statement from Mr Speed.  I called Randy Lapley, Caleb Johnson, Jordan Lane, Dorcas Holden and could never get ahold of Derrin Scott and they never paid me my money.  All the above mentioned people, are all decietful and scammers.  I do believe and hope they all will burn in hell for the sins they have committed and the thousands of people they have cheated.  This is symptommatic of a scam artist. They cheat thousands of people, make all these false promises they will pay those people but dont, cheat more people and make all these false promises they will pay those people but don't.  They do this pattern repeatedly until they take all the money and run or go to prision.  This is the same old song and dance. Also, I thought about filing a complaint with the Texas Attorney General but since I left Topaz I've been working 50-60 hours a week and trying to get back on my feet financially, so I don't have time to fill out all the paperwork. This is the case with most former employees, they get cheated and never get their money. Once they get a new job, they don't have time or money to pursue legal or criminal action against these companies.  That is why this forum is so important, it gives us an outlet(without exhausting a lot of resources) to let the American People to know to stay away from Topaz Financial Services, Swift Rock Financial, and Mesa Rock Financial Services.  Bottom line people at above mentioned companies are decietful and they have cheated thousands of people.  They will never pay those people. They will continue to lie and act like they are concerned and want to pay these people back.  BUT ACTIONS ARE MORE IMPORTANT THEN WORDS.  AND THE FACT REMAINS THEY WILL NEVER PAY ALL THE PEOPLE BACK THEY HAVE SCAMMED.  I'VE BEEN TRYING TO GET MY $3100 FOR 6 MONTYHS. I WILL NEVER SEE THAT MONEY.  I JUST WHISH THIS DOESN'T HAPPEN TO OTHER INNOCENT WORD WORKING PEOPLE. DON'T BELIEVE ONE WORD ANYBODY FROM TOPAZ FINANCAIL SERVICES, SWIFT ROCK FINANCIAL, MESA ROCK FINANCAIL. THEY ARE SCAMMERS. PLEASE PEOPLE STAY AWAY FROM THEM.  DON'T GET SCAMMED. 

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#3 UPDATE Employee

if you want a resolution to your me.

AUTHOR: Steve - (USA)

Red from Youngtown, this is Steve Speed again. I can't make this any clearer, call me at 512-539-4713 or my boss Randy Lepley at 512-634-6595 if you want your complaint resolved. We are both available for anyone who may have a complaint and is serious about seeking a resolution.
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#4 Author of original report

STEVE SPEED...please check your facts & files

AUTHOR: Red - (United States of America)

   Mr. Speed...The report that I submitted is legit...I WAS a customer of your company...I did go through all things that are listed in the report. I was talked to on more than 1 occassion in regard to "waiting it out" and "you've only been in the program for 1 yr, you need to stay in longer in order to see positive results" well as being told that I would get documentation via e-mail of ALL activity that was performed on my account in order to reassure me that your company was actually doing something to help.
   Well, I never got ANY documentation of anything that anyone did at your company to help me...therefore, that only leads me to believe that there are some pretty shadey things going on if you can't supply proper documentation of activity as was promised.
   Since your company couldn't do anything to help me and only made my situation worse I had not choice but to take legal action into my own hands to clear the matter up. At one point I was told directly by an employee that I should look into filing bankruptcy...and like everything else I'm sure that you would deny all of that. I saw no positive results from ANYTHING that your company did until the very end when ALL of the sudden after making a grand gesture everyone started to care and were trying to help to keep me on board so despirately. At that point its too little too late.
   I'm not a disgruntal employee nor am I someone that just feels the need to randomly bash different companies. I'm a legit person, with legit complaints and legit reasons.
Thanks for your attempt to try & make this look fake...
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#5 UPDATE Employee

Please contact me if you have a complaint

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. Sometimesthey may lose their jobs or their patience.

When our clients have concerns our staff seeks to resolve them 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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