Affiliated Acceptance Corporation improperly billed extortion, blackmail and intention to ruin client credit ripoff Sunrise Beach Missouri

My son Justin, who is 8 yrs old in 2007 love Karate, study and exercise, has been taken lesson with Martial Art America Karate for Kids for many years from white-belt (5 years old) to black-belt. The Martial Art America at Fremont location: Karate For Kids,4040 Papazian Way, Fremont, CA 94538-4323 and Phone:(510) 490-8300. Run by the instructor/manager Brian Numez.

When Justin got his green-belt, we (I and Justin) got invited to the instructor (Brian Numez) office for the sale pitch for Justin to join the Black Belt Club. Note: This is Kid black belt not adult black belt. Of course it is not free; I have to signed contract with the Martial Art America Karate for Kids until Justin got his black belt. I have to pay for $1000.00 for gears, and the fee increased from $120 or $125 to $150 a month. If I do not sign the contract, then Justin can not attend there any more.

Since my son so excited and emotional ran high, I gave in and I go along and signed the contract. I allowed Martial Art America to debt or withdraw directly from my account. They got pay and my son got trained. Everyone is happy.

When Justin was on his 8th birthday in March 2007, he got his black-belt. We (I and Justin) got called in the instructor office (Mr. Brian Numez) for another sale pitch. Justin must join the Master Club or not get train. The catch is. The new gear cost over $1100.00 and I have to pay additional $10,000.00 (ten thousand dollars) over 3 or 4 years (do not recall the correct number).

After the meeting, I told Mr. Numez that I have to talk to my wife about my son to join the Master Club. We thought it is too much money $10,000.00 is a lot of money. Beside Justin also have piano lesson, daycare, writing lesson and other sports. I and Justin kept low profile and not join the Master Club. I told my son just go there for training, and I avoid the instructor and much as I could.

After three weeks the instructor got more aggressive in their sale tactic and pushier, Mr. Numez kept called our home every three or four days. Finally, I told $10,000.00 is too much money, and we were not wished to join the Master Club. The owner Mr. Tse called and pushed us even harder for Justin to join their Master Club. My wife met the owner let him know can Justin still taking lesson without joining Master Club; The owner continued with his sale pitch to sell us the advantages of Master Club.

I and my wife decided to take Justin out of Martial Arts America - Karate for Kids March of 2007. Actually, after Justin got his black belt he has fulfilled the contract. Justin was sad because we could not afford. I was not happy because the owner too greedy. He concerned about his chunk of change then his pupil well being. The Karate for Kids lost a customer a $150/month revenue, and things got more nasty and ugly to dealt with their 3rd party billing service.

The Martial Arts America Karate for Kids used 3rd party service billing service Affiliated Acceptance Corp. They illegally kept withdraw from my account for March, April and May 2007 for total of $450. This is stealing. I disputed with my bank, and stopped unauthorized withdraw. My bank can got back for me $350.00; I wished to get all back, but what could I do? But thing is not ended there. Affiliated Acceptance Corp could not get money from my bank, and it is now sent me scheduled payment $150 for April that I was late. The Affiliated Acceptance Corp made killing off of outrageous "late fees" ($1000 in late fees when I disputed one unauthorized EFT withdrawal) and miscellaneous "cancellation fees."

I called and fought with the Affiliate about the illegal charge because if I do nothing it will send to collection agency and ruined my credit. I asked the Affiliated what do I have to do to get rid-off these illegal charge? The Affiliated Acceptances personnel suggested get a statement with date and month from Karate for Kids that my son no longer taking lesson there. I got that statement from Justins instructor/manager Mr. Numez; I faxed to Affiliated. The Affiliated still billed me for the late charge from $500, $660 for May 24th then June 25 for the amount $1570.00 now it goes to debt collector.

It is fraud, black mail and unethical to do this. I vowed to bring these CRIMINALS done this to me to the light of justice.

My son fulfilled his contract, and I even go as far as to get the instructor/manager approval. I did not own Affiliated Acceptance Corp and Martial Arts America a dime. They owned me time and frustration.

I have contacted Lisa 573-374-9970 for many times, and faxed to her the entire document necessary to end this nightmare. I got no reply or a call from her.


I have filed complain with Better Business Bureau of California
The complaint was received by the BBB on July 5, 2007 and has been assigned case# 57099404
Your complaint has been applied to the following business: Karate For Kids 4040 Papazian Way Fremont, CA 94538-4323

My next steps are:

- Escalate this to the executive of Affiliated Acceptance Corp. supervisors LeaAnne Brookhart x227 and Shyla F Rafizadeh x226.
- E Alan Downey - President
a_downey@affiliated.org

Mark Plewa - Business Development MGR
m_plewa@affiliated.org
businessdevelopment@affiliated.org

Shyla F Rafizadeh - Customer Service Supervisor
s_rafizadeh@affiliated.org

joanna bell - Customer Service Specialist
Joanna Bell j_bell@affiliated.org

General Customer Service
clientservice@affiliated.org
aac@affiliated.org


Hoped my complains would not fall to the deaf ears

-I have filed complaints with the Better Business Bureau of Missouri, Missouri State Attorney General, FBI, and the Federal Trade Commission. And I am planning to file complaints with every organization until Martial Arts America and Affiliated Acceptance Corporation rectify this problem.

Better Business Bureau Complaints
https://odr.bbb.org/odrweb/public/GetStarted.aspx

Federal Trade Commission Complaints
http://www.ftc.gov/ftc/cmplanding.shtm

State Attorney General Complaints
http://www.naag.org/attorneys_general.php

Rip Off Report
http://www.ripoffreport.com

WTOP Call For Action (Consumer Issues)
If you have a consumer problem, alert the Call For Action volunteers Tue-Fri from 11am-1pm at 301-652-HELP, or file a complaint online at https://secure.njaccess.com/cfa/ssl/case/CaseFormUser.cfm

File complaints with each company separately so that the business would be in favor of ceasing the billings when the finance company won't.

This site I found online has some info on them, live the address I got

Anthony
Fremont, California
U.S.A.

STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!