Ranger Financial Services Collected their fee and then quit! Richardson, Texas

This Company contacted us out of the blue on the afternoon of December 31. Stated they were a collection agency who did not charge anything unless they were successful in obtaining money owed. Could also collect their fee from debtor if contract in place with debtor stated the same. Their service was unique becuase they employeed people in the field to make physical contact. Everything turned out to be a lie!

Contacted by a person who went by the name of JD or John. 214-666-2089. JD made all the promises. JD called back several times over the next few days to let me know "they were making great progress and he would have our money in full shortly".  On Jan 8 JD called and needed one final document sent and the deal was done. We would be paid in full.

On Jan 21 I called JD becuase I had not heard from him in 2 weeks. He turned me over to his "Sales Manager" Mark Wolf. This is where the deception began to unfold. Mark tells me they "settled" When I told him I was shocked and knew nothing of a "settlement" he began to be beligerent. He asked me if I knew how tough it was these days to collect money. When I informed him JD had told me they were collecting in full he told me JD was new and probably got carried away. Then he tells me they have post dated checks. I ask for copies and he says it is illegal to send them. The same day I called Mark back to ask how the checks work and when we can expect our money he says at the end of February becuase they have to wait for the checks to clear. I point out I have not heard from them in several weeks and he tells me they are "going out there today to put the heat on them"

On Jan 27 I called Mark. Reminded him someone was going to call me back. He said he needed to talk to the collector and would call me back in 5 minutes. 6 hours later i called him back. He said he had been busy closing out the month. The post dated checks have now been turned in to automatic withdrawal authorizations. The first is to be executed on Jan 29th. When I question him as to why it takes a month to send money from an automatic withdrawal he said it takes that long for the money to clear!

On March 1 I call Mark to let him know we have not seen the check he promised. He tells me it snowed in Texas and it put them behind! When I laugh he gets beligerent, calls me all kinds of names, accuses me of having conversation with the debtor and "fires me"!

On March 2 I file a complaint with the BBB. On March 5 we receive a check for a small portion of what they said they were collecting. The check is dated March 1. We deposit the check. On March 9 our Bank informs us a stop payment has been put on the check.

Basically this company is a scam. It appears they have no intention of collecting anything but their fee. I only wished I had checked them out prior to authorizing any collection effort. Lesson learned. Vegenance is mine sayeth the Lord!