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Report: #1089212

Complaint Review: Bacek Gold FICO Funding - Irvine California

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  • Reported By: drh5977 — highlands ranch Colorado
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  • Bacek Gold FICO Funding 18101 Von Karmen Avenue Irvine, California USA

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I am a successful business loan broker and nationally recognized personal and business credit expert.  My BBB rating is A+ and I have zero complaints filed on me or my company with the FTC.  In over 20,000 internet entries on me or my company there is not "one" complaint about me or my company anywhere.

A year ago I met Isaac Miller on a trip to California approximately a year ago.  He was in a investment meeting I attended.  A meeting, by the way, where the person managing the meeting is now is being chased by numerous government agencies for securities fraud.  I was not impressed with Isaac for one reason.  His product was usurious.  This is why:

To charge someone 15 success points to show them how to obtain a half a dozen credit cards is not criminal but should be.  Personally I never charge more than 5 points to facilitate any type of business loan and when someone simply wants to obtain a handful of business credit cards, I show them how to do it for free.

However, there was one client of mine that I had no other option than to send them to Isaac at Bacek Gold.  What she needed done and her time frame warranted sending her to these people.  Within a week she was complaining of their high rates and service but like many Americans, was trapped in a credit nightmare and as she said "had to jump in bed with the devil".  She got her loan.  Isaac and Bacek Gold owed me a commission.  A lousy three hundred bucks or so. 

I repeatedly asked for and then demanded my commission solely on principle.  I have "written" evidence from them on multiple ocassions that they would be sending it, would be wiring it, or as late as 10-2-13 that the money had been wired.  I have never received a penny.  They have repeatedly lied about paying money due.

My words of advice to consumers and business/personal loan brokers alike.  Stay away from this company and Isaac Miller and Eric Gold.  They do not tell the truth, they do not pay their bills, they charge usurious fees for their work and probably most importantly, they associate with people that are known to be involved in criminal activities and in fact, have financially supported/suborned those activities.  People that as of this writing are being chased by the California attorney generals office and the FBI.  Anyone with any integrity at all does not want to be associated with people like this.....

Darrell Hornbacher

Midas Financial, President

303.513.8664

darrell@midas-financial.com

This report was posted on Ripoff Report on 10/03/2013 11:16 AM and is a permanent record located here: https://www.ripoffreport.com/reports/bacek-gold-fico-funding/irvine-california/bacek-gold-fico-funding-isaac-miller-eric-gold-business-loan-brokers-investments-perso-1089212. 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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REBUTTALS & REPLIES:
4Author
12Consumer
0Employee/Owner

#16 Consumer Comment

FTC Complaint filed against Darrell Hornbacher

AUTHOR: Robert - (United States of America)

POSTED: Saturday, June 11, 2016

 Darrel writes there's never been an FTC complaint filed against him or his company. That's is inaccurate. I filed a complaint against him with the FTC. Darrell is NOT a credit repair expert, not even close.

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#15 Consumer Comment

Here's more on Darrell

AUTHOR: Robert - (United States of America)

POSTED: Friday, June 10, 2016

He threatens to sue me for Defamation Of Character.  I tried explain to him it isn't Defamation if it is the truth.  Here is the truth about Darrell:

http://www.ripoffreport.com/r/Midas-Financial-/nationwide/Midas-Financial-Darrell-Hornbacher-Dishonest-Business-Practices-Deceptive-Fraud-Chan-1310648

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#14 Consumer Comment

Cloris Hall is absolutely correct

AUTHOR: Robert - (United States of America)

POSTED: Monday, June 06, 2016

i know its been a while since this report was created, however I want to share my opinion As well.  Cloris Hall is absolutely correc in her statement that Darrel Hornbacher is not to do be trusted, he is not a business man with integrity.   I have had similar experience with Darrell which will support that statement.   

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#13 Consumer Comment

Issac Miller liar

AUTHOR: richar1 - ()

POSTED: Monday, January 05, 2015

 you have not refunded me going on a year. hope you end up in jail SCAMMER !

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#12 Consumer Comment

Isaac Miller Irvine Trust Financial Services Group

AUTHOR: Raymond - ()

POSTED: Monday, May 05, 2014

I was also scammed by Isaac Miller of Irvine Trust Financial Services Group.  Isaac will not refund you money.  I have filed a complaint with the FTC. I will attach the URL in this report.  I encourage everyone to file a report so that everyone collectively can stop this abuse online.  Isaac is fearless and he doesn't care about what you say on these reports.  The only entity that can stop this evil person is Law Enforcement.  

https://www.ftccomplaintassistant.gov/#crnt&panel1-1

I live in California and attempted to have him served with court papers for his appearance.  If anyone has information concerning his whereabouts, please post.  I will also notify this thread once he is served.  

 

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#11 Consumer Comment

Isaac Miller dba Irvine Trust Financial is a con.

AUTHOR: Johnskim - ()

POSTED: Saturday, April 12, 2014

I am one of the latest victims of the same scam run by Isaac J. Miller of Irvine Trust Financial Services Group. I actually met with Isaac and his partner "Scott" at his reported business address on Feb. 13th of 2014. I wanted to see for myself if the business was legitimate but turns out I am still naive to be cheated by a young punk like Isaac Miller after all.

I am in for $4500 for 5 applications including my own. They require you to start your own file to qualify as a broker. I wrote him a check for $1800 for two people on the day we met which he immediately deposited into his then-still-active Chase account. Since then, he no longer has Chase account active due to all the fraudulent activities. Now he banks with Citi Bank.

He is actually not even a tenant at the building. He only has access to the conference room on the executive floor because he does have a lease in one of the buildings the same management company, Premier Business Center, handles. His actual physical address is 2700 Michelson Drive #1700, Irvine, Ca. .

He has been stringing me along for almost two months now. His ghost at HP Financial in Houston, Texas, who goes by the name of John Preston, has been leading me on by promising funding in a few more days, next week, a few more calendar days and so forth. When Isaac had John Preston send me an email message of the approval for $75000 for the first phase, he asked me to notarize the limited power of attorney docs and return within 48 hours. I did it in one day and emailed him a copy. It was strange that he did not require original notarized docs but two days later, John Preston told me that he was able to get the funding docs from the lender and he was processing the fees.

And that is just the typical pattern. Even though they give you a very specific timeline for the process, they never keep you posted and when you inquire, they just don't reply for days and all of a sudden, present a paperwork to seem like something legitimate is taking place, which we would like to believe, but ultimately nothing.

I am definitely putting together all the documentation and paper proof to report him to the local FBI.

For anyone's information, his fake business address at 18101 Von Karman Ave #140, Irvine, Ca. is a drycleaner.

I have already notified the management and they have asked him not to advertise the address nor use their conference room to pose as a tenant. The contact at the management company is Mr. Charlie Brown/Emily Knox(949)225-4400/Nancee Weimer(949)253-4135

Charlie Brown Property Listings

Internet Marketing Manager
Premier Business Centers
2102 Business Center Dr

 

Suite 130

 

Irvine, CA 92612-1001

 

(949) 253-4179

 

(949) 253-4148

 

cbrown@pbcenters.com

 

www.pbcenters.com

 

More and more people should contact them to report misconduct.

 

Also, the GM of the management company at his physical and actual address is Alicia with the number (949)955-5253.

They are all aware of the complaints but more people should repeatedly contact them to put pressure on Isaac Miller.

 

If anyone is onboard with me to bring grievances to FBI, you may contact me at johnkim64@gmail.com.

 

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#10 Consumer Comment

Isaac Miller is a scam artist

AUTHOR: kanem - ()

POSTED: Wednesday, April 09, 2014

 I sent $900 to Isaac Miller on 02/03 and was supposed to have CPN funding in 6-7 weeks based on the timeline he sent to me. He kept giving me one story after another when each timeframe on the timeline came and went. I asked for my money back and another story came up. He had me fax back a refund request. I did that and still no money. I emailed him again and he sent me a reply stating that I had to fax a refund request (I guess he had so many people requesting refunds that he got me mixed up). He told me that his chase account was frozen due to a bank issue. (still trying to buy more time). Today is 04/09 and still no refund. I have all my paper work and correspondence together and will call the california attorney general's office. He also is on verifico conducting this scam. I have contacted verifico.com and if I don't get my refund by this week I will begin the necessary steps to make sure he is stopped.

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#9 Consumer Comment

Irvine Trust (BEWARE)

AUTHOR: John - ()

POSTED: Monday, March 03, 2014

I was referred to this company online by a friend.  My friend was in process of receiving his funds and I decided to go ahead and pay Isaac Miller $900.  I signed all of the documents and was advised that I would receive funding within 6 weeks.  As of to date, Neither my friend or I have not received one penny from Isaac.  

Isaac is full of deception and has not come through with funding.  It appears that this is a network of companies and all of them are tied together with a company out of Houston Texas. If you are reading this report, don't believe anything that is coming from this guy as he has no problems lying.  

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#8 Author of original report

If I'm such a bad guy......

AUTHOR: drh5977 - ()

POSTED: Monday, March 03, 2014

If I'm such a bad guy Isaac, why did another person just call me today, namely Frank E?  Saying that you had taken him for a bunch of money and could I help him get it back or at least help him get legitimate funding.  Another of those illegal CPN scams you're famous for?

You've had one person come to your defense.  A woman that readily admitted in a different post that she out and out lied to me in order to see what I had on you.  What a "wonderful" character reference for you.  The emails she sent me not fit for print unless you want to read XXX rated material.  I'd be real proud of that association.

Is this another one of those "the best defense is an agressive offense" type things?  You are a sociopath.  You take advantage of unsuspecting people and sell them illegal items and charge them outrageous fees to do so. 
Fifteen points Isaac?  Really?  Its userous at the very least.

I challenge you to come to the table with just one legitimate claim against me and my organization in over 40,000 transactions.  Just one.  I'm over 50 on you now with just this one little post.  You talk about my illicit activities yet all you do is blow smoke when asked for proof positive.  I'm on the phone tomorrow with another one that called last week interupting my vacation.  Namely Carol from New York.  She was lucky.  You only took her for $900 in "up front" fees.  When she calls you won't answer the phone.  Hmmmm.........

To anyone and everyone out there........

This man is a crook.  Bacek Gold takes advantage of unsuspecting people selling them financial instruments that constitute fraud, namely CPN's and shelf corporations for the purpose of obtaining credit from banks.  Go ask your banker how much good a CPN or shelf corp will do for you in their eyes...........

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#7 UPDATE EX-employee responds

Darrell Hornbacher is using this as a way to get leads for his company.

AUTHOR: Isaac Miller - ()

POSTED: Monday, March 03, 2014

Darrell is making up figures or going off hear say. I don't know what he's talking about. He will say anything to get clients his way.

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#6 Consumer Suggestion

Darrell please remove my name from your statement.

AUTHOR: Cloris Hall - ()

POSTED: Wednesday, February 26, 2014

Darrell i contacted you about a situation which was supposed to be confidental. However, you tried to use my information for your own evil ways. I also don't appreciate the email you sent me. I run three successful companies and do not have time being caught up in the middle of anyones mess. I speak for myself. I am a woman and you tried to take advantage of me. You all read the email that Darrell sent to me. Do you think this is a person that you want to work with?

 

Please, don't ever contact me again because you bring way too much drama and i have too much going on in my own life for this mess. He assumes and don't no half the truth. I only contacted Darrel once and this is how i'm treated.

Cloris Hall

Darrell sent me this message.

I don't appreciate how you talked to me.

 

darrell@midas-financial.com

Feb 21 (5 days ago)
 
to me
 
 
 
 
my how you've changed your stripes.  from isaac being a no good scoundrel to now you're bashing me?  the guy that told the truth?  he must have paid you your $1200 to buy your silence.  good for you.  glad you got your money.  at the price of your soul.........you two deserve each other..............
 
God bless..
 
Darrell Hornbacher
Midas Financial Company
 
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#5 Consumer Suggestion

Cloris Hall respond

AUTHOR: Cloris Hall - ()

POSTED: Friday, February 21, 2014

I contacted Mr. Darrell  because i wanted to know more about more about his problem with Isaac. I never told him the truth about me. Why would i? I am a costormer of Isaac and has never had any issues with his service. However, Mr. Darrell. Smh, I caught you in so many lies. You tried to use my story that i fed you about Isaac that was untrue to use me. Don't you look real stupid right now. WHERE IS MY FREE STUFF YOU OFFERED ME FOR ISAAC SUPPOSELY USING ME? YOU ARE SUCH A NOT GOOD PERSON. I READ RIGHT THROUGH YOU. YOU TOLD ME OUT OF YOUR MOUTH THAT THIS POST HAS GAINED YOU OVER $50,000 IN REVENUE ( OF COURSE YOU ARE GOING TO KEEP IT UP). I WILL NOT WORK WITH YOU BECAUSE I DO NOT LIKE HOW YOU ARE USING ME IN THIS CONTENT WITHOUT MY CONSENT. YOU ARE A USER AND I DO NOT LIKE TO BE USED. I WOULD STAY AWAY FROM THIS DARRELL GUY IF I WAS ANY OF YOU. DON'T USE MY NAME BECAUSE I HAD ABOSOLUTELY NOTHING TO DO WITH THIS.  You are not to be trusted and Isaac saw that just like i did and now you are trying to use us both. PLEASE DO NOT WORK WITH DARREL. HE IS NO GOOD.

 

CLORIS HALL

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#4 Author of original report

To be totally transparent

AUTHOR: drh5977 - ()

POSTED: Friday, February 21, 2014

I would like to end this string with a few final facts:

1.  I have obtained over $400,000,000 for my clients in 9.5 years

2.  We have successfully serviced almost 42,000 clients in that time inclusive of business loans, personal loans, business credit building and personal credit repair.

3.  In all of the above Midas Financial has had zero FTC complaints and three BBB complaints.  One mediated in our favor and the other two deemed frivolous by an attorney and therefore not responded to.  That's a 99.9997% success rate.  We are recognized industry leaders and known across the country for our integrity and ability to tell the truth.

4.  Now on the other hand you have Isaac Miller and Bacek Gold.  In less than four months since the original post in this string over 50 consumers have come to us saying they've been "ripped off" and 4 other brokers saying they haven't been paid.  The reader needs to decide who in fact is telling the truth..........

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#3 Author of original report

Please tell the truth Isaac

AUTHOR: drh5977 - ()

POSTED: Friday, February 21, 2014

First of all this has been an outstanding source for generating business.  But its only because you are a sociopath Isaac.  You truly believe the lies you tell are the truth.

1.  Your diatribe was nothing but diversionary.  Not once did you address the illegal and immoral products you all promote to unsuspecting clients.  CPN's?  Why don't you tell the audience what they really are and how someone utilizing one at your direction is potentially guilty of "felony" bank fraud.  Shelf corps?  Do you tell the people that the validity of shelf corps for legitimate funding purposes disappeared back in '08?  That the only thing they truly are good for at this point is establishing business credit and one can pretty much have the same success with a brand new corp at a fraction of the cost.  And then there are your fees.  Legitimate brokers like myself charge 1-8 points for our services.  That yours are usually "double" that.

 

2.  You constantly talk about emails in your possession.  Let's talk about that.  Will you explain the email from Cloris Hall where you took her for $1200.  Or the email copies I have from the lad in Chicago that fixed the credit for numerous clients of yours on the promise you'd pay him and never did.  I believe you owe him in excess of $20,000?  Or the email I have about "yes Darrell I wired you the money", sorry Darrell our merchant service company is holding "your" money for 30 days.  I believe I have a dozen of those in my file.  Or would you like to talk about the other 27 "emails" I have in my possession regarding clients that you promised funding after they paid you the $900 to $1800 in up front fees (probably to buy an illegal CPN) only to have them call me and say you don't answer your phone and you certainly haven't ever given anyone their money back after not performing.  If I'm the "bottom feeder" then why are all these people calling me?  Why Isaac?  Five this week alone.  Why Isaac?  Tell the readers.  They're not complaining about me or my company.  Only yours.  And by the dozen.

 

3.  Bacek Gold IS being investigated by the California AG office.  Their practices and stack of complaints against them is finally getting attention.  Especially now that you've alienated someone like Cloris Hall. 

 

For those of you reading this string, use your common sense.  Does it really make sense that our government or a bank is going to allow you to replace your social security number with a secondary one, otherwise known as a CPN?  Does it really make sense that a bank is going to loan you hundreds of thousands of dollars because you bought a "shelf corp" that is a few years old and will allow you to "circumvent" their minimum time in business requirement?  Isaac and his company have a lot of diversionary words that are nothing but fluff in order to distract the reader from the truth.  Please don't buy in to that.  It's a con.  All they are interested in doing is taking your money.  Nothing more.

Darrell Hornbacher

Midas Financial

303.513.8664

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#2 Author of original report

Still at it.....

AUTHOR: drh5977 - ()

POSTED: Thursday, February 20, 2014

It has now been over 120 days since I filed the origina report against Isaac Miller and Bacek Gold.  In excess of 50 consumers have contacted me to say they've been ripped off for an average of $1200 each.  Four associate brokers have also contacted me to say that Bacek Gold did the same to them as they did to me and are owed a combined total of $20,000!

Bacek  Gold supports illegal items like CPN's to obtain funding which is no more than bank fraud and shelf corps that rarely if ever work. If you are contemplating using Bacek Gold to obtain financing, please call me.   I will help you obtain funding through legitimate sources.

And if they have screwed you,please call the California attorney generals office.  They are investigating these guys right now.

Sincerely,

 

Darrell

Highlands Ranch, CO

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#1 UPDATE Employee

Darrell Hornbacher is using this as a way to get leads for his company.

AUTHOR: Isaac Miller - ()

POSTED: Wednesday, February 19, 2014

Our group strives to treat our customers and partners with excellent service and always maintain our agreements.

I can show countless emails from Darrell Hornbacher and other brokers who have contacted him that he just uses this report as a way to get leads for his own business. 

If reviewers simply read this whole review: We got his client funding. Darrell did not help. He we lost our success fees in a merchant account that went down as I know Darrell is very familiar with; so no one made money one this deal but he still wants his $300 on an account we lost money on.

Darrell knows nothing about the situation or the company, he doesn’t even know Eric's name. He is an angry bottom feeding broker that exaggerates things to benefit him with no concern for the client or partners.

He started this deal telling me how hot this girl was (I can show emails for all this). I told him I am happily married and so is he but if I can help her get funding, that's my job.

Darrell disappeared until he thought it was time to get paid, but no one made money on the deal. Again, it is only over $300; not a large sum of money but what is large is the money he is making from clients and brokers calling him about this, who he then pitches his products (again I can show emails for all this).

We have consulted legal advice about paying Darrell for a deal we lost money on, even when the client was successfully funded; and we were advised not to. If we pay $300 for an unsuccessful collection, we may also have to pay on larger deals we are not able to collect on.

The fact is, all of our clients get funding as promised and if they are not happy, we correct the problem any way possible. Unfortunately, sometimes it is hard or impossible to collect success fees from clients due to the client, broker, or merchant account issues. Our priority is always client satisfaction, brokers normally understand that if we are unable to collect fees, there is nothing to pay out.

We always get our clients the most funding possible, then they send more referrals. This is only a discontented broker that would turn to using this site as lead generation for himself.

I hate to put people down over this trash they blow out of proportion, but I get a number of clients asking about this. If someone reads the whole thing, we were successful with his client and Darrell is fussing over pennies that were never successfully collected. Now this is a lead source for Darrell and it is unfortunate that someone would abuse this site for those purposes.

Our group strives for the highest level of service to our clients and our partners. To date, Darrell has admitted that he has made far more money off the leads he has taken that were interested in our services than what he thought we owed him. We can review this matter at a later time but this has not come to the group as a pertinent matter, as the only complaint is invalid. We are happy to help any client and always interested in expanding our network of good brokers.

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