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Report: #1487319

Complaint Review: TROXEL ZACK MELVIN III - DALLAS TEXAS

  • Submitted:
  • Updated:
  • Reported By: Scammer Buster — Rockville Maryland United States
  • TROXEL ZACK MELVIN III 5825 BELMONT ST DALLAS, TEXAS United States

TROXEL ZACK MELVIN III TROXEL MELVIN FINANCE INC. Pretended legitimate lender Troxel Zack Melvin III scammed $150 loan processing fee and never complied loan deliviry DALLAS TEXAS

*Author of original report: Rebuttal received from a person claiming identity theft

*REBUTTAL Individual responds: Identity Fraud

*Author of original report: Troxel Melvin returned and promised to deliver the loan if paid additional $150 fee upfront, but again defaulted.

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Troxel Zack Melvin III, an account manager of non-existing "Troxel Melvin Finance Inc." Dallas TX approached me via sending me an email and later via What'sApp chat out of blue. It was at the beggining of August and he introduced himself as a private lender at Troxel Melvin Finance Inc. and told he could find me through "Dealstream.com" posting.

I disregarded his contacts for 3 months or so, but by late October he started to contact me via WhatsApp chats almost everyday proposing his low cost funding to my business at 4.0% a year. Recently, from Oct. 30, he proposed a loan for $50,000 as the first trial loan for our needs and the dicussion became serious.

On Nov. 4th (mon) a loan agreement was concluded with speficic terms and conditions with description that the total one time loan processing fee is $550, and lender and borrower had reached to an agreement that borrower shall pay $150 upfront and $400 only after the loan disbursement had completed.

By making sure about it, I signed in the agreement and sent $150 via bitcoins to his designated bitcoin address with an expectation that the loan shall be delivered on the very same day as of yesterday.

However, I have not received any communication from him immediately after the $150 sent and no actual loan for $50,000 had been credited to our bank account as agreed.

Morning of today, Nov. 5th (Tuesday) I sent a few messages to his SMS address inquiring the fate of the loan. For 2 hours time, there was no response at all. Later, I received a message from him by telling, "Sorry for the late response. We made a legal agreement but am sorry the $150 you sent could not complete the process. You will have the loan today if you can send $150 to complete the process."

The loan agreement closed had very specific description about payment of such one time processing fee as agreed, but this man unilaterally broke such contractual agreed term and started to solicit another upfront pay money. I stopped communicating with him at this instance.

Same as other illegitimate private lenders, he used gmail even by pretending as if he were a part of the Troxel Melvin Finance Inc. Also he sent a copy of driver's license before I had requested him to do so. He sent also a short video of his customer telling he was very grateful for Troxel's funding granted.

Even small amount of money stolen and indication of another money solicitation by breaching the term agreed in the loan agreement clerly shown such unfair and illegitimate feature of nasty scammer.

I stopped immediately at this moment to avoid any waste of time and precious money.

 

 

 

This report was posted on Ripoff Report on 11/05/2019 11:04 AM and is a permanent record located here: https://www.ripoffreport.com/report/troxel-zack-melvin-iii/dallas-texas-finance-lender-1487319. 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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Updates & Rebuttals

REBUTTALS & REPLIES:
2Author
0Consumer
1Employee/Owner

#3 Author of original report

Rebuttal received from a person claiming identity theft

AUTHOR: Scammer Buster - (United States)

POSTED: Tuesday, January 14, 2020

This is a response to a person who wrote a rebuttal to the original report of scam by claiming he was stolen his identity by someone.

I have none reason to receive from you my lost money $150 in exchange of withdrwaing the report filed, unless you are actually who did such wrongful scam against me. If you are a victim of identity theft, what you must do (I think) is to report to the local police and make such police report and request police to make a thorough investigation about you were stolen your personal identity. By doing so, you can protect yourself by making sure in public you were a victim of such identity theft.

Most importantly, you must make sure how your stolen identity has been utilized by someone for the purpose of scams and fraud. For example, I was approached by the man in subject via LinkedIn profile page in the name. If that is the case the person even created his profile page at LinkedIn by using all false information and continue scamming others.

Neither me nor Ripoff report would be in a position to remove the file reported until the suspect comes back to me and get such wrongful behaviors and breached contracts fully settled with full satisfaction of me. Otherwise the report shall remain perpetually showing Zack Mevlvin did such so malicious conduct.

 

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#2 REBUTTAL Individual responds

Identity Fraud

AUTHOR: Zack - (United States)

POSTED: Monday, January 13, 2020

 A person has been fraudulently using my identity. Please remove or let me know how I can prove this is identity fraud. I will gladly pay you the $150 you lost to not further defame my name. You know the used a bogus ID to con you.

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#1 Author of original report

Troxel Melvin returned and promised to deliver the loan if paid additional $150 fee upfront, but again defaulted.

AUTHOR: Scammer Buster - (United States)

POSTED: Thursday, November 21, 2019

Torxel Melvin again sent texts soliciting to give him last chance to rectify his scam conducts. He requested additional $150 will enable him to deliver the defaulted $50,000 loan and revised the loan agreement with such specific term in it. However, when I sent addtional $150 in bitcoins to his address, he came back by sending text, "Our loan officer stresses that the borrower must pay in full the total $550 processing fee, and you now must pay additional $250. I can again change the loan document in such term". Truly shameless scammer and crook. I shut down all communication routes immediately. What a shame and unprofessional conducts!

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