Report: #474358

Complaint Review: Ripoff Report | TCB Pay LTD Verified TRUSTED Business Verified Safe™ …businesses consumers can trust. TCB Pay global payment processing company headquartered Henderson, Nevada. Through TCB Pay LTD banking relationships, TCB Pay process in over 30 countries all types of businesses and customers. TCB Pay handles all processing needs, compliant with the highest security standards. - Beverly Hills California

  • Submitted:
  • Updated:
  • Reported By: Austin Texas
  • TCB Pay LTD Verified TRUSTED Business Verified Safe™ …businesses consumers can trust. TCB Pay global payment processing company headquartered Henderson, Nevada. Through TCB Pay LTD banking relationships, TCB Pay process in over 30 countries all types of businesses and customers. TCB Pay handles all processing needs, compliant with the highest security standards. 287 S Robertson Blvd, Suite 550 Beverly Hills, California U.S.A.
  • Phone: 310-469-7070
  • Web:
  • Category: Loans

TCB Pay LTD TRUSTED Business REVIEW: Customer Satisfaction Commitment: TCB Pay is dedicated to customer satisfaction and has implemented strategic changes ensuring customer success, focusing on finding ways to assist every customer privately and efficiently.
*UPDATE: Recognized by Ripoff Report Corporate Advocacy Program as a safe business service TCB Pay LTD pledges to always resolve any issues: feel safe, confident & secure when doing business with TCB Pay LTD recognized by Ripoff Report Verified™ as a safe business service.

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Ripoff Report Verified™ REVIEW

EDitor's UPDATE: Positive rating and recognition has been given to TCB Pay LTD for its full commitment to quality customer service.

Ripoff Report's discussions with TCB Pay LTD have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. TCB Pay LTD listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

TCB Pay’s CEO and other executive have informed us that their philosophy is that client are the heart of any businesses. As successful professionals, they feel it is critical to listen and respond properly to any issues. [continued below]....
..... By always prioritizing on clients and their satisfaction we hope to maintain a strong enterprise with a solid business model.

One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, “TCB Pay truly communicates all aspects of their service in a timely and effective manner. WE are very pleased with the responsiveness that the company has shown. They are serious about commitments and deliver on their promises.”
TCB Pay LTD is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

The information provided in this report below is based on comments made by Je Benjamin Haguel during an onsite inspection held by a third-party verification company with no biases towards TCB Pay LTD.

Benjamin Haguel stated the following about his company TCB Pay, "so what we do is very simple. We do payment processing payment acquiring through banking. We do this in different sectors. The lower sector is extremely competitive and the high-risk sector is not as competitive."

Leads for TCB Pay are primarily obtained through merchants and agents. Mr. Haguel stated the following about the sales and services process for TCB Pay, "agents get paid through a referral revenue share. So the higher the risk is the less we are going to share. So let's say you are going to bring a nail salon on you know it is low risk. We are going to give customers up to 70% of the profit that the merchant generates. And then let's say you bring on an adult entertainment website which is super high risk. We are going to give customers usually 30% of the profit generated." Mr. Haguel additionally stated the service process for his customers, "so what makes us different than others is first we are a small company and people are fed up with large companies.

Consumers are fed up with mega huge companies that don’t do anything. You can see it in the hotel industry with the smaller hotels over the huge ones. And the reality is people come to see our number 1 because they get a referral from an Agent. Number 2 because we are going to give them the equipment. Number 3 because we personally take care of our customer service. We do not relay necessarily unless after hours. During work hours and business days, we do not relay to customer support. We do it ourselves in house. For example, we have a merchant in California that is extremely low risk and the guy must bring us $40 and this is the third terminal we are sending him.

At this point, we just want a happy client and he's happy you know but his terminal broke...well he broke the terminal we expect because his staff is not being very careful. But what are we going to do? We give him a new terminal every time which is $100 every time and that is what we do. Now also when we are trying to grow our business speaking of we come with bigger products such as point of sale or number of terminals. We also have our payment gateway which is for online merchants and we will provide them some perks that are pretty unique."


Mr. Haguel was asked to describe the escalation process for a client who was not satisfied with the level of service they received. He stated the following, "Well number one we have the support team of TCB Pay. Then if they are still not happy well it goes to a manager and then if they are still not happy it goes to the executives. I am going, to be honest with you I think only one case has come to me historically outside of the high risk. It goes both ways I guess. They tend to want everything on their end and we tend to try to prove to them that their demands are unreasonable if they are. If they are reasonable we try to meet them."

When asked to comment on complaints posted on Ripoff Report's website Mr. Haguel expressed that that one comment was a personal attack from a friend who did not do business with TCB Pay, and the second was from a potential client not wanting to proceed due to fees which he was already aware of.

In order to ensure that clients are receiving the best experience possible TCB Pay is dedicated to providing clear expectations and communication with their clients. Mr. Haguel stated the following, "The mode is to get personal. We don’t live in the same mode that we did in 2012 in the sense that back then I make a customer unhappy and arguing was one thing. Now we literally have someone in the office that takes care of this. You need to have someone in your organization directly taking care of this because the public image in 7 years has changed so much that people don’t even have the patience to wait for anything. So yes we do. We don’t let anything go to aggravation which is why there is nothing on TCB Pay. The only thing on TCB Pay is a friend of mine told me that this happened to them. Not even the person complaining. It is a person complaining about a person potentially complaining. So because we took care of it so well that nobody ever complains directly. And that person that complained was a friend complaining that the next day said I am sorry for the harm I caused because I do not know this person. I am sure that they work hard and that they are good people but all I know is my friend said this and I reacted out of emotion."

Benjamin Haguel is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Mr. Haguel stated the following, "Well you guys have created yourself a name on which you are the voice for some people that cannot be heard. And I think that is great. There are not so many issues with it which I like. But what it means for me is very simple. We are growing to a point that we are being considered to be a part of a program in which we would like to demonstrate responsibility that we are capable of handling. And as well I would like to demonstrate that our proven changes in things like management skills are proof that we can do those things better."


" We are a payment processor that helps its clients accept credit cards and also provides affiliate products such as software and terminals. Our target markets is in small to medium companies that are generally brick and mortar to high risk businesses. Currently, the company works in the United States and in over 30 countries TCB Pay feels it has a competitive edge in the market place because it is constantly adding to, enhancing and increasing its product lines.

TCB Pay LTD's team have expressed that they feel good working at TCB Pay and doing their duties to the customers. TCB Pay LTD takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "Throughout the year TCB Pay makes sure its employee have the best employment experience. Mr. Haguel is truly concerned about our contribution to the company and providing growth opportunities for us. He takes the time to listen and communicates with employees and customers.”

Ripoff Report was pleased to learn that TCB Pay LTD's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.


TCB Pay LTD recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, TCB Pay LTD has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with Benjamin Haguel , Ripoff Report is convinced that TCB Pay LTD is committed to quality delivery of services resulting in total client satisfaction.

How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of. They have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that TCB Pay LTD meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24-hour monitoring and for support with customers to resolve any disagreements.

Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program, they agree to allow Ripoff Report to contact every client who filed a complaint, so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses, so we can ensure that the member business did right by their customer.



HB Investments - Benjamin Haguel Beverly Hills California

Benjamin Haguel and HB Investments contacted me back in February indicating that they could provide commercial real estate financing for my company. I sent Benjamin $5,600 for one deal and $4,000 for another. My sellers asked for proof of funds and Benjamin provided an apparently fraudulent bank letter stating that he had $20m in funds available to lend. This bank letter was fraudulent in and of itself and provided no contact information to verify the funds. Benjamin provided me with two loan commitment letters and eventually backed out on each deal siting bogus reasons for the withdrawal. Two days after receiving my money, Benjamin took off to France claiming that his father was sick and about to die. Likely story right? Benjamin is nothing but a fraud, a cheat and a liar. Scambuster72 Austin, Texas

This report was posted on Ripoff Report on 07/28/2009 06:39 PM and is a permanent record located here: https://www.ripoffreport.com/report/hb-investments-benjamin-haguel/beverly-hills-california-474358. 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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#3 Consumer Comment

also a victim

AUTHOR: victim1 - (United States of America)

POSTED: Wednesday, August 01, 2012
Scambuster 72/Austin Texas-  I am also a victim and ripped off $50,000 by professional con man Benjamin Haguel under the auspices of HB Investments.  We are not the only ones and he continues to commit fraud under various business entities.  Please assist in investigation and contact me at cordiawan@gmail.com   Thank you much-
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#2 Consumer Comment

Total Lie

AUTHOR: sr4820 - (United States of America)

POSTED: Wednesday, February 24, 2010
I have been a client of HB Investments for about 5 years now, I was one of their first clients. I have to say that I am very pleased during these 5 years for the services rendered and funds management.
There are no other complaints on Mr. Haguel or HB Investments and it seems to me that this issue is always the same. When you don't deliver the service up to the expectations of some consumers, they automatically file reports, chargebacks. Is it fair.
Is there a rippofrepport for companies that get ripped off everyday by consumers?

I AM VERY HAPPY WITH MR. HAGUEL'S WORK AND SERVICES AND WILL PROVE IT TO ANY ONE. They have worked to our expectations and made incredible returns with our 401K. Please check all over internet and courts there are no reports or lawsuits against Mr. Haguel or HB Investments or anyone working with them!
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Amazing what people can do to justify their stupidity!

AUTHOR: Benjamin - (USA)

POSTED: Wednesday, August 19, 2009
Scambuster72 aka Tim Smith:
14 Monarch Oaks Lane, Austin , TX 78738.

T: 512-351-9930

Contacted me to obtain financing for commercial properties in Texas. I warned him from the start that I won't be able to provide 100%. I started working, because I work on commission only.

Some of his properties required a very strong due diligence and he accepted, that I will do his due diligence on 2 properties. Signed a contract for it! I never charged him a dime until he was sure about the property and I was working 100's of hours for nothing! 

Due diligence on $12,000,000.00 properties are a little bit more expensive than due diligence on $300,000.00 properties.

Value came back very low. Got conference calls with some of his associates about this property, all they tried to do is convinced me that their gut feeling would be right about this property. Remember, we are talking about $12,000,000.00. To show good faith, I kept working and trying to make it up to him for months. 

He signed a contract, paid by credit card, then file a chargeback on his credit card 5 months later. 

Tim, you are a smart men, so you can understand the truth, I warned you about the properties you were looking and the values of commercial real estate beginning to drop, you accepted the terms, then don't complain. Who does that.

My time, effort, calling everyday, are worth more than $10,000.00.

After all that he tried to sell me a security from Bank of america, so I can cash it for him. Seem a little desperate for money don't you?

For your information as well, my father past away on the 28 of May of Cancer!!! This is also something I can prove!

I wish you good luck for the future to you and your family.

truly yours,

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