Report: #1471654

Complaint Review: Burnside Financial Services - Riverside California

  • Submitted:
  • Updated:
  • Reported By: Kasie — Mesa Arizona United States
  • Burnside Financial Services
    3380 La Sierra Ave #104-582
    Riverside, California
    United States

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To who this may concern, 

December 19th I received a call from a gentleman who was very stern and rude. He said that I owe them money and if I do not pay then he will serve me. When asking what I owed he proceeded to tell me that they purchased my Charged Off Wells Fargo account that was opened in 2007, and since there was money owed they bought the account and are now trying to collect on it. Weird, because the Wells Fargo account I had, I closed and no money was owed. I asked if I could call Wells Fargo to validate what he was telling me and he was very rude telling me I have 24 hours to call him back or he is serving me. Anyway, I called Wells Fargo and they were able to find my closed account and confirmed that I never even had ANY transactions on the account. They told me they do sell off accounts and in this case I owed nothing so this was most likely a scam. I called mister Rude back, and told him what I was told and he proceeded to yell at me as if I was his 3 year old. [continued below]....

..... I then asked for the account number that he had for me, which took about 5 minutes to get. Hanging up on him I called Wells Fargo back with that account number, long behold, such account number didn't exist. I checked my Credit report, because you know, when you owe a bank it usually hits your credit. Nothing. Which brings me today 01/17/2019.

I received a call from a lady named Gina, Calling her back, I ended up speaking with TAMMY TURNER. First and Foremost, Tammy is a sweet older lady. I enjoyed speaking with her, the circumstances however, I wish were different. Tammy proceeded to educate me on how and why they purchase accounts. She proceeded to tell me that I owe well over 2,000, after speaking to an attorney, I was directed to ask for a letter, Tammy then said they only need to send 1 letter out and regardless of if I received it or not they've done their job. Weird. So she said she could do me a FAVOR and email me the letter, find below:

 Thank you for your time and cooperation in resolving this matter. It was a pleasure to speak with you. In order to resolve your case, the following settlement offer and payment plan has been presented and agreed to by you. The one time offer of $996.50 is due by January 17, 2019. Payment must be secured via debit or credit card by January 17, 2019. We accept these forms of payment: Visa, MasterCard, or American Express. Upon receipt of your final payment, you will be provided with a letter releasing you of all liabilities in regards to this debt. We will also update the three major credit reporting bureaus as PAID IN FULL. Your failure to respond as agreed may result in the reversal of the settlement offer and execution of pending legal action. Please call me to confirm receipt of this communication. I can be reached toll free at 888-256-8407. I look forward to speaking with you.

With that I wanted to see what would happen so I called Tammy back and made a payment arrangement with her, paying $45 today, the statement on my bank listed "Brookstone Uc" Tammy then said as soon I make the additional 2 payments they will mark me as PAID IN FULL to all bureaus, which is weird because Wells Fargo is not listed on any Bureaus, I looked. :) I then got another letter from Tammy, see below:

Case File#: 266-085

Original Creditor: WELLS FARGO

Account #: WF387

Total Due: $2,158.50

Thank you for your time and cooperation in resolving this matter. It was a pleasure speaking with you. Per your request, our office has agreed to settle the above referenced account for the total balance of $996.00. You have agreed to pay the full settlement amount according to the following schedule: Three (3) Payments as follows: $45.00 paid on 01/17/2019, confirmation #000560, $453.00 due on 01/31/2019, and final payment of $498.00 due on 02/14/2019. You have agreed to have these payments debited from your Visa Card ending in. Please note payment transactions will show under our merchant name Brookstone United Capital. Please be advised that there is NO GRACE PERIOD. If funds are not available on the due date, this settlement agreement may be considered NULL AND VOID, unless you contact our office prior to the due date to make other arrangements. If you fail to resolve this matter, it will be our intention to seek all remedies available to us. Once the funds for the above referenced account have cleared, we will release you from all claims and liabilities pertaining to this account. Additionally, you will receive a PAID IN FULL letter which you can submit to the major credit bureaus as proof of your payment. The release letter will only be issued after this letter is signed and returned to our office. Please sign below and scan and email back to me, or FAX to 951-719-1180. If you have any questions, please do not hesitate to contact us at any time regarding your file.


Tami Turner

Director of Resolutions


End result, I'm in the process of looking for a Lawyer, I'd like my $45 back. 

This report was posted on Ripoff Report on 01/17/2019 05:15 PM and is a permanent record located here: https://www.ripoffreport.com/reports/burnside-financial-services/riverside-california-92503/burnside-financial-services-brookstone-uc-attempt-to-collect-a-debt-riverside-californi-1471654. 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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#1 Consumer Comment

Well That Was REALLY Stupid of You To Pay

AUTHOR: Jim - (United States)

POSTED: Friday, January 18, 2019

Legally, the Statute of Limitations on outstanding debt is 4 years.  In other words, if your debt dated back to 2007, and they were unable to collect on any of it from 2007-2011, then you have no legal obligation to pay the debt, even if the rest of the story says you really owed someone that amount.  You can literally tell these yahoos to go pound sand, and there's nothing they can do to you.  Once they told you it was from 2007, your answer should have been, "you have the wrong person.  I have no debt outstanding.  I consider any further calls from your firm to be HARASSMENT (that's the key word to use) and you wll cease further communication with me."  And then you hang up.

However, if you pay them anything, then the debt beomes valid once more, and the 4 year clock begins once more.  That's why they wanted you to pay the small amount, so they can restart the process of collecting the debt from you.  To say you were stupid to pay anything is an understatement.  

BTW, the nice lady you spoke to, lied to you over and over and over.; the one you thought was really nice.  Well, she was the good cop and the guy who spoke to you earlier like a 3 year old was the bad cop.  It's a common tactic used to con people out of their money and you were played like a Stradivarius.  She set you up and you fell for it.  You were legally ripped off by this woman who sweet talked you out of your money; she may as well have been a prostitute.  She probably had a good laugh after she hung up with you - as evidenced by the letter you then received from the firm.

They also didn't tell you how much they bought the debt for.  A $2,000 debt that old was probably bought for about $2.  Yeah, you probably need to speak with a lawyer, but I'm not sure what a lawyer is going to do at this point, except to negotiate your price down to maybe $500 - for which you will pay the lawyer the same amount.  However, I would do it now.

You are likely now on a sucker's list; a listing of people who are easy marks to steal money from.  I suspect you will start getting phone calls from people claiming you owe them for (insert reason).  You are not obligated to return any of the phone calls because you are not obligated to be nice to people you've never heard from before.  If you accidentally answer one of the calls, then claim you are being harassed, and you are to cease calling me.  If they continue, then I would start recording the calls, and tell them you are recording the call because you are harassing me.  That should stop things.

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#2 Author of original report

In response

AUTHOR: Kasie - (United States)

POSTED: Friday, January 18, 2019

  The account was given to me as a savings account for my grandmother she was going to use it to put money into the account. I ended up closing the account because a bank specifically through Chase there was no reason for me to have that account.

Regarding the $45, I spoke to an attorney and they told me to make the minimum payment. This provides that companies bank information and more proof to the scam for a lawsuit.

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#3 Consumer Comment

… and the rest of the story?

AUTHOR: coast - (United States)

POSTED: Friday, January 18, 2019

“I called Wells Fargo and they were able to find my closed account and confirmed that I never even had ANY transactions on the account.”

No transactions? The opening deposit is a transaction so did you have an account with no deposits and no withdrawals? What was the purpose of such an account?

You knew it was a scam but for some unexplained reason you paid them $45. That makes no sense and implies you have omitted a crucial part of the story.

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