John Stallings Dream Finance USA DO NOT DO BUSINESS WITH THIS MAN! 100% Fraudulent Internet

I have provided below what others have said about the John Stallings, please visit the websites below;

American Hero Finance - John Stalling
Wire Fraud - Deceptive Trade Practices - Non-Performance - Lies - Predatory
Lending - Program Exaggeration - Religion as Bait San Antonio, Texas
http://www.ripoffreport.com/business-consultants/american-hero-financ/american-hero-finance-john-s-p8fd7.htm

100% scam, avoid at all costs John Stallings from Dream Finance
http://www.reviewstalk.com/complaints-reviews/john-stallings-from-dream-finance-l27253.html

 This is my rebuttal, in reference to the negative comments posted in Rip-Off in reference to my company, Dream Finance USA. My name is John Stallings, the CEO of Dream Finance USA.

See the remark by the person who reported my company to Rip-Off. " Always measure the size of the critic before you accept his criticism" !! !
 
"You really set the bar high for your race, stupid, n*gger.... Leave the USA." Ju1 31 2012

 First of all, I will direct my comments to Rip-off organization.  You failed to investigate and perform a due diligence in reference to the false statement made by Blake Warner.

 Due to the possible damage this statement would have made to my company , I sincerely wished, your staff would perform a mediation between all parties involved and review the proof  of evidence prior to posting a  derogatory statement. You guys do not know the person posting hateful, false, racists comment all over the World Wide Web. I have provided evidence, a copy of the email sent by Blake Warner on July 31, 2012. I hope your company does not share the discriminatory, racists world view and attitude that Blake Warner does. 

I just want to provide a little history and share the light of Truth to this slanderous statement.
 
I was referred by a large international group of investors to assist a company with obtaining a line of credit back in May.

I signed an agreement with my new referred borrower. Searched various companies and finally contacted Blake Warner.  A short time later, I arranged a conference call with Blake Warner and my new client. Mr. Blake never attended the conference call nor responded to my calls. Days later, I contacted him and he gave me the name and telephone number to the funding source that provides business lines of credit.

Contacted, the company rep he provided. I told the rep that I was referred by Blake Warner, one of their affiliates. I noticed, the company rep did not ask me again for the name, telephone number or email address of Blake Warner.

Indeed, I was not impressed with Blake Warner for his irresponsible behavior for not attending the conference call after he agreed to attend initially. Nor did he return neither calls nor emails. Determined, that Blake Warner was not a reliable broker to work with. I ended all correspondence with him.

I conducted a new conference call with the funding source rep and my clients. The rates, terms, conditions and qualifications required by the borrower were discussed, as stated in the LOI I signed with my borrower.  I would receive 4 points and the funding source 4 points. The total points to be paid were 8 points. At that time, the funding source rep promised to send the documentation, and loan application to the borrower.

He later sent me an affiliate agreement stating I would receive a total of 4 points for bringing the borrowers to his company to obtain a LOC.  The funding source would receive 4 points.  So there are two (2) separate signed contracts. I am an independent company who offers various loan products and services.

As a business consultant, I bring in new business associates and real estate investors to help them create additional cash flow. I am not an employee of any company. I have a large number of affiliates who market and bring me fresh deals daily. Even offered the rep the opportunity to become an affiliate and bring me fresh real estate deals for borrowers who were upside down on their real estate loans. The rep is an experienced real estate investor himself. He agreed to refer new real estate deals to me.

 The funding source provided the funds for the LOC.  Called the rep and reminded him I had an agreement with the borrower and that I would be collecting my 4 points that I signed my contract with my customer. There would not be any issue because both contracts stated the same points to be paid as discussed on the conference call. He was aware of my services I provided.  The reason I collected my fee because I had a signed contract to do so.

I was transparent with all parties involved. I collected my 4 points as stipulated in the contract between my borrower and myself. A few days later, the funding source stated that I owe them 2 points. I reminded them that I had an agreement with my borrower to collect my 4 points not 2 points. By the way your company owes me 4 points for referring the customer to me. I was not pushing the issue. This funding source started threatening to turn over the borrower company name to the collection agency if they did not pay the additional two points. I informed my borrower not to pay the additional fees because they were paid in full. To my knowledge, and by the emails I received, they paid the extra fee anyway.

 I provided the proof they did not have to pay. The company was suppose to pay Blake Warner a fee because I gave the funding source his name and sent emails that he had been the affiliate who sent me to the LOC Company.

This collecting company threatened and forced my client to pay an extra fee which was due to Blake Warner and me. To avoid my clients from paying any extra fee I offered to have the funding source give over the fees they was legally obligated to pay me. They have not paid me or Blake Warner. This company has manipulated the truth and has Blake Warner thinking I should pay him out of my commission I received from my customer. You can see the racist and slanderous remarks he has made. My attorneys have reviewed all the contracts that were signed, and all emails that were sent. They both agree I have not broken the law nor acted unfairly nor wronged any one. I do not owe any one any funds. I apologized to my borrower that this happened. Sent a letter of apology to my referring person that I am sorry this happened. Also I cc the referring point of contact the contracts and emails that every person involved sent out.

 They borrower received there funding. Also I gave them credit for the application they paid me and I did not receive the full balance they were required to pay. I have nothing to hide. If any one desiring to conduct business with me, I can provide proof that I complied with the contracts agreements. At the present time, legal action has been initiated against Blake Warner for his slanderous and racists comments against me.  

What I will do to prevent this from happening again? I will perform greater due diligence with business that offer Business Line Of credit. I will ensure the company offers excellent customer service. I enjoyed working with the rep, he was friendly, offered excellent  customer service, was very professional and knowledgeable in reference to credit cards and line of credit.  However, I will definitely not be working with this company ever again.

In the future, I will take every effort to collect the fees owed and give it to my borrower. My lawyer team will be pursuing this matter of collection. In the business world, you can not prevent certain individuals who are bad apples from carrying acting out a rotten and bad transaction. I am convinced, that's why America has a great law enforcement agency to stop the bad boys !!!

Will address and attempt to prevent, correct  any and every complaint with in  24-48 hours time period.  Thanks for allowing me to provide my true statement and side of the story. Just like a coin, there are always 2 sides.

John Stallings
 Finance Director/Business Consultant 
Hard Money Division of Dream Finance USA 
210-263-9155
www.dreamfinanceusa.com

 This is my rebuttal, in reference to the negative comments posted in Rip-Off in reference to my company, Dream Finance USA. My name is John Stallings, the CEO of Dream Finance USA.

See the remark by the person who reported my company to Rip-Off. " Always measure the size of the critic before you accept his criticism" !! !   

"You really set the bar high for your race, stupid, n*gger.... Leave the USA." Ju1 31 2012

 First of all, I will direct my comments to Rip-off organization.  You failed to investigate and perform a due diligence in reference to the false statement made by Blake Warner.

 Due to the possible damage this statement would have made to my company , I sincerely wished, your staff would perform a mediation between all parties involved and review the proof  of evidence prior to posting a derogatory statement. You guys do not know the person posting hateful, false, racists comment all over the World Wide Web. I have provided evidence, a copy of the email sent by Blake Warner on July 31, 2012. I hope your company does not share the discriminatory, racists world view and attitude that Blake Warner does. 

I just want to provide a little history and share the light of Truth to this slanderous statement. I was referred by a large international group of investors to assist a company with obtaining a line of credit back in May.

I signed an agreement with my new referred borrower. Searched various companies and finally contacted Blake Warner.  A short time later, I arranged a conference call with Blake Warner and my new client. Mr. Blake never attended the conference call nor responded to my calls. Days later, I contacted him and he gave me the name and telephone number to the funding source that provides business lines of credit.

Contacted, the company rep he provided. I told the rep that I was referred by Blake Warner, one of their affiliates. I noticed, the company rep did not ask me again for the name, telephone number or email address of Blake Warner.

Indeed, I was not impressed with Blake Warner for his irresponsible behavior for not attending the conference call after he agreed to attend initially. Nor did he return neither calls nor emails. Determined, that Blake Warner was not a reliable broker to work with. I ended all correspondence with him.

I conducted a new conference call with the funding source rep and my clients. The rates, terms, conditions and qualifications required by the borrower were discussed, as stated in the LOI I signed with my borrower.  I would receive 4 points and the funding source 4 points. The total points to be paid were 8 points. At that time, the funding source rep promised to send the documentation, and loan application to the borrower.

He later sent me an affiliate agreement stating I would receive a total of 4 points for bringing the borrowers to his company to obtain a LOC.  The funding source would receive 4 points.  So there are two (2) separate signed contracts.  I am an independent company who offers various loan products and services.

As a business consultant, I bring in new business associates and real estate investors to help them create additional cash flow. I am not an employee of any company. I have a large number of affiliates who market and bring me fresh deals daily. Even offered the rep the opportunity to become an affiliate and bring me fresh real estate deals for borrowers who were upside down on their real estate loans. The rep is an experienced real estate investor himself. He agreed to refer new real estate deals to me.

 The funding source provided the funds for the LOC.  Called the rep and reminded him I had an agreement with the borrower and that I would be collecting my 4 points that I signed my contract with my customer. There would not be any issue because both contracts stated the same points to be paid as discussed on the conference call. He was aware of my services I provided.  The reason I collected my fee because I had a signed contract to do so.

I was transparent with all parties involved. I collected my 4 points as stipulated in the contract between my borrower and myself. A few days later, the funding source stated that I owe them 2 points. I reminded them that I had an agreement with my borrower to collect my 4 points not 2 points. By the way your company owes me 4 points for referring the customer to me. I was not pushing the issue. This funding source started threatening to turn over the borrower company name to the collection agency if they did not pay the additional two points. I informed my borrower not to pay the additional fees because they were paid in full. To my knowledge, and by the emails I received, they paid the extra fee anyway.

 I provided the proof they did not have to pay.
  
The company was suppose to pay Blake Warner a fee because I gave the funding source his name and sent emails that he had been the affiliate who sent me to the LOC Company.

This collecting company threatened and forced my client to pay an extra fee which was due to Blake Warner and me. To avoid my clients from paying any extra fee I offered to have the funding source give over the fees they was legally
obligated to pay me. They have not paid me or Blake Warner. This company has manipulated the truth and has Blake Warner thinking I should pay him out of my commission I received from my customer. You can see the racist and slanderous remarks he has made. My attorneys have reviewed all the contracts that were signed, and all emails that were sent. They both agree I have not broken the law nor acted unfairly nor wronged any one. I do not owe any one any funds. I apologized to my borrower that this happened. Sent a letter of apology to my referring person that I am sorry this happened. Also I cc the referring point of contact the contracts and emails that every person involved sent out.

 They borrower received there funding. Also I gave them credit for the application they paid me and I did not receive the full balance they were required to pay. I have nothing to hide. If any one desiring to conduct business with me, I can provide proof that I complied with the contracts agreements. At the present time, legal action has been initiated against Blake Warner for his slanderous and racists comments against me.  

What I will do to prevent this from happening again?  I will perform greater due diligence with business that offer Business Line Of credit. I will ensure the company offers excellent customer service.  I enjoyed working with the rep, he was friendly, offered excellent  customer service, was very professional and knowledgeable in reference to credit cards and line of credit.  However, I will definitely not be working with this company ever again.

In the future, I will take every effort to collect the fees owed and give it to my borrower. My lawyer team will be pursuing this matter of collection. In the business world, you can not prevent certain individuals who are bad apples from carrying acting out a rotten and bad transaction. I am convinced, that's why America has a great law enforcement agency to stop the bad boys ...

Will address and attempt to prevent, correct  any and every complaint with in 24-48 hours time period. Thanks for allowing me to provide my true statement and side of the story. Just like a coin, there are always 2 sides.

 John Stallings
Finance Director/Business Consultant 
Hard Money Division of Dream Finance USA 
 210-263-9155
www.dreamfinanceusa.com