Complaint Review: Medchoice Credit Corp. - Boca Raton Florida
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- Author Not Confirmed
- Medchoice Credit Corp. 6502 Contempo Lane Boca Raton, Florida United States of America
- Phone:
- Web: www.medchoicefinancial.com
- Category: Financial Services
Medchoice Credit Corp. William Doniger Fraudulent Loan Practices **DO NOT GET A LOAN FROM THESE PEOPLE Boca Raton, Florida
*Consumer Suggestion: Steps to complain and take action against loan originator
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I received a loan from MED CHOICE CORP through Clark Behaivoral Health Financing for my daughter who needed to be placed into a treatment center for mental health issues.
I used Clark Behavioral Health to locate the loan for me because I was told by my bank (which is a reputable bank) that these types of loans are considered high-risk and are difficult to obtain because they deal with behavioral health.
I completed all loan documents through Clark Behavioral Health and MedChoice Credit Corp / AKA Med Choice Financial agreed to loan me the amount of $35,000 at an interest rate of 12.99%. I agreed and signed a Retail Installment Agreement on May 31, 2011 with the inital deduction of $1,800 to be deducted directly from my checking account and then a monthly payment to be deducted in the amount of $775.00. I was specifically told by Lisa of Clark Behavioral Health that the loan would close within 1 week of me signing and forwarding the original documentation.
I checked my account on June 5th and they MedChoice Credit had deducted the $1,800.00 and a few days later I received a statement showing the balance due and the deduction. I assumed the treatment facility that was supposed to get the money had received it because I didnt hear anything, but of course I didnt specifically check (my fault).
July 1st I received a bill from the facility showing that nothing had been paid. I immediately contacted Clark Behavioral Health and Med Choice Credit. They said the facility had failed to return the correct paperwork but that everyone was working on it and that it would fund on July 6th. Needless to say MedChoice had already deducted one more payment from my account.
July 6th I spoke with the institution and was told that they might haven not sent the correct paperwork but they were going to resend everything just in case and to not worry if I didnt hear back from them then the loan funded and everything was ok.
Needless to say we went back and forth. August 1st the loan still did not fund but MedChoice took another payment.
After numerous conversations in trying to find out when the loan was going to fund (if at all), why they were taking money for a loan that did not fund, etc. I sought legal advice.
1.) MedChoice Credit Corp and MedChoice Financial do not have lending sources to fund their loans.
This is a fraudulent practice wherein they deduct monies from peoples bank accounts until it is noticed and then the amount that is deducted is small enough that it doesnt warrent hiring an attorney to go after an out-of-state or foreign corporation because its going to cost more money to sue than you have lost.
$2,000 here, $5,000 there.
What a rip-off. Anyone associated with this company should immediately review what is going on. They are liars and schemers and William Doniger should be put in jail. Should this had happened to someone who was not financially stable it could have put them under. $5,000.00. Should have threw it in the trash instead of put it in his pocket. What a crook. Its a crime that companies like this are allowed to operate.
This report was posted on Ripoff Report on 09/12/2011 11:57 AM and is a permanent record located here: https://www.ripoffreport.com/reports/medchoice-credit-corp/boca-raton-florida-33433/medchoice-credit-corp-william-doniger-fraudulent-loan-practices-do-not-get-a-loan-from-775745. 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 Suggestion
Steps to complain and take action against loan originator
AUTHOR: TXMedchoicevictim2011 - (United States of America)
SUBMITTED: Thursday, December 01, 2011
Florida Attorney General Pam Bondi received your email regarding Medchoice Financial. Attorney General Bondi has asked that I respond. I am sorry for your difficulties.
Our office reviews complaints to develop information about patterns of questionable business activities. If we discover a pattern, what originated as a private dispute between buyer and seller may become a matter of broad public interest and thus warrant the Attorney General's intervention under the state's consumer protection laws. We will keep your correspondence for future reference. Please note that our office does not mediate individual consumer complaints.
I encourage you to work with your bank to find out about the possibility of having the charges reversed under Federal Regulation "E". If your bank is a member of the National Automated Clearing House Rules Association, that organization's rules permit the reversal of any unauthorized automated clearinghouse transaction if reported within sixty days after the transaction. More information is available online at:
http://www.nacha.org
It appears that you have fallen victim to an advance fee loan scheme. The Federal Trade Commission (FTC) provides information about advance fee loans and instructions on how to file a complaint online at:
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt028.shtm
http://www.ftc.gov/bcp/edu/microsites/moneymatters/dealing-with-advance-fee-loans.shtml
http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm
http://www.ftc.gov/bcp/edu/microsites/phonefraud/credit.shtml
http://www.ftc.gov/bcp/menus/consumer/credit/loans.shtm
http://www.ftc.gov/bcp/edu/pubs/consumer/general/gen22.shtm
If you applied for the loan over the internet, I also suggest that you contact the Internet Crime Complaint Center (IC3), which is a combined effort of the National White Collar Crime Center and the FBI to combat Internet fraud. You may reach the IC3 by telephone at (800) 251-7581, or you can visit that agency's website to file a complaint and learn more about Internet fraud:
http://www.ic3.gov/default.aspx
At the state level, the Florida Office of Financial Regulation (OFR), Division of Financial Institutions, licenses, charters, examines, and regulates financial institutions and financial service companies. I encourage you to contact the OFR for any assistance or information that agency may be able to provide. Contact information is provided below:
Florida Office of Financial Regulation
200 East Gaines Street
Tallahassee, Florida 32399-0370
Telephone: (850) 410-9898
Toll-free within Florida: (800) 848-3792
Website: http://www.flofr.com
Complaint Forms: http://www.flofr.com/Consumer/Complaints.aspx
Verify A License: http://www.flofr.com/Consumer/Verify.aspx
Another potential resource of assistance may be the Florida Department of Agriculture and Consumer Services, Division of Consumer Services (DACS).
DACS serves as the clearinghouse for consumer complaints and has a voluntary mediation program to assist individual consumers. You may contact DACS at:
Florida Department of Agriculture and Consumer Services Division of Consumer Services
2005 Apalachee Parkway
Tallahassee, Florida 32399
Telephone: (850) 488-2221
Toll-free within FL: (800) 435-7352
Website: http://www.800helpfla.com/
You may also wish to contact the following consumer organizations:
Federal Trade Commission
Toll-free: (877) 382-4357
Website: http://www.ftc.gov
Better Business Bureau of Southeast Florida (serving Miami, Ft.
Lauderdale, West Palm Beach areas)
Phone: (561) 842-1918
Email: info@wpbbb.com
Website: http://www.seflorida.bbb.org/
Palm Beach County Consumer Protection Office
Phone: (561) 712-6600
Website: http://www.pbcgov.com/publicsafety/consumeraffairs/
Finally, Florida's Deceptive and Unfair Trade Practices Act provides individuals with a private remedy to bring an action for damages, attorney's fees and court costs. You may wish to consider consulting a private attorney for any legal guidance you may need. If you need help finding a lawyer, The Florida Bar offers a Lawyer Referral Service which you may contact toll-free at (800) 342-8060.
Thank you for taking the time to share your concerns with Attorney General Bondi's Office. I hope you find this information helpful.
Sincerely,
Beverly Bailey
Office of Citizen Services
Florida Attorney General's Office
PL-01, The Capitol
Tallahassee, Florida 32399-1050
Telephone: (850) 414-3990
Toll-free: (866) 966-7226
Website: www.myfloridalegal.com
PLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY.
To contact this office please visit the Attorney General's website at www.myfloridalegal.com and complete the on-line contact form. Again, thank you for contacting the Office of the Florida Attorney General.
________________________________________________________________________
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