Ripoff Report Needs Your Help!
Report: #340185

Complaint Review: SilverLine Finance Edward Fontaine Jr Kelly Robinson - Santa Cruz California

  • Submitted:
  • Updated:
  • Reported By: Las Vegas Nevada
  • Author Confirmed What's this?
  • Why?
  • SilverLine Finance Edward Fontaine Jr Kelly Robinson 44240 Fremont Blvd, Fremont,CA 94538 Santa Cruz, California U.S.A.

Show customers why they should trust your business over your competitors...

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Silverline Financial was contacted via Craigslist for an advertising of financial services. After several days of fee negotiation, CEO Fontaine Jr sent Contract to begin services. First (Red Flag) first appeared when he was vague on when the negotiated backend fees would be paid. He corrected Contract and then requested that I wire the cash funds into the Bank of America account of his employee/loan processor (Robinson-since she would ultimately receive the funds-it would save him a trip to the bank). I requested that the Contract be amended to include where the funds would be received on behalf of SilverLine Financial/Finance. Received supplement to Contract, signed, fax back.

Deposit Cash (thousands) into Designated Bank Account on 6/2/2008. Since June 2, 2008, I have received lip service and numerous email correspondence that SilverLine Finance was out of money and unable to complete my transaction. Account was supposed to be set up June 4, 2008 per Contract. CEO Fontaine Jr avoided my calls but did respond via email that he was working on the problem. I requested a refund if the service was not completed by 3pm Friday June 6, 2008.

Friday evening June 6, 2008, I called the main office line and was told that CEO Fontaine Jr was not in and K Robinson was not a known employee. Was told by President Khan that Robinson was CEO Fontaine Jr's "Girlfriend" and what was this about. She would call him and get to the bottom of this. She verified that Silverline was her company and NOT out of funds.

June 9,2008 received message from CEO Fontaine Jr that all Partners have been appraised of the situation and they are working with their service provider to complete the financial transaction. The work would be completed again within 48 hours. Second Deadline arrived and passed. No transaction and no refund. Now I am told via email that the service provider is not talking to CEO Fontaine Jr as he was threatening to them. I asked for a refund from CEO Fontaine Jr and A Khan President but they dismiss my request that the Service Provider has my money. I must wait 7-10 days to receive funds that apparently left Robinson's bank account the same day of June 2, 2008. No documentation provided, No information given on "Service Provider" other than Froto - Anthony Parker. I guess I should be looking for Anthony on the set of the tv show "Desperate Wives". No listing for this Company.

CEO Fontaine Jr, K Robinson, Silverline Finance were sent a letter stating my request for refund for non performance of Contract. Additionally, each time I requested a refund, CEO Fontaine Jr would offer CPNs, Tradelines, Aged Self Corps as services that he offers to his clients.

There is a long list of clients that have retained Silverline Finance/Business and Tax Solutions on their website for various services. If anyone else has paid money and not received the Contracted Services, you should report them too.

Lastly, considering the mortgage crisis and the amount of people who have defaulted on their real estate loans, I would highly recommend that a federal agent or local district attorney including the Department of Real Estate look into the business practices of this company. They anonymously advertise all over craigslist with promises of providing documents to complete your financial deals (cpns,paystubs,w2's,1099s,bank statements,etc). I have a copy of their response for such services which I would gladly provide to an interested local enforcement agency investigating this company/persons.

They are located and dba: Silverline Financial, Goldline Finance Company, Business and Tax Solutions, all located in the Bay Area, CA. The offices where CEO Fontaine Jr located is Santa Cruz and Fremont CA.

Las Vegas, Nevada

This report was posted on Ripoff Report on 06/14/2008 12:58 AM and is a permanent record located here: 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

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals


#6 Author of original report


AUTHOR: Theytookmymoney - (U.S.A.)

POSTED: Monday, June 23, 2008

My deepest and most profound apologies to Silverline Finance as they are in the process of refunding my money.

I humbly ask for your forgiveness in this very dark and bleak moment of time.

Please accept my apologies as I await my prompt refund.

Respond to this report!
What's this?

#5 REBUTTAL Individual responds

Refund Is In The Works.......Funds Being Place in Escrow Account Pending Retractions

AUTHOR: Mr. Fontaine - (U.S.A.)

POSTED: Monday, June 23, 2008

Commercial Vision LLC owes Silverline Finance a huge apology, This firm had nothing to do with the transaction in question.

Until Commercial Vision and Melissa Taitano offers a formal apology here the money will sit forever if necessary.

The client is obviously upset as we were unable to facilitate their transaction, costing them the millions of dollars that they were going to defraud the trading platform for to be used to fund another investment project.

POF service providers, Trading Platforms, Investment Partners, Real Estate Professionals, beware of any business dealings with Commercial Vision LLC and ATP Holding as they will utilize fraudulent methods to accomplish their goals of taking advantage of you. Do yourself a favor, make sure that all of their documents are authentic.

Respond to this report!
What's this?

#4 Author of original report

Silverline Finance-Still No Refund and they have Slandered My Company to Cover Themselves!

AUTHOR: Theytookmymoney - (U.S.A.)

POSTED: Monday, June 23, 2008

Edward Fontaine Jr. has continued to DENY that his company Silverline Finance has anything to do with my Contractual transaction with them and blame a NON-EXISTENCE service provider that they supposedly outsourced my transaction to.

If anyone who is interested in being clients of this company, he provided info to my attorney on a company that advertises on the Internet which Provides Fake Paystubs. If I had known this information beforehand, I definitely would not have given over thousands of dollars to Edward Fontaine Jr. and his associates.

Bottom line: I paid for services that were never rendered and we are contractually out of Contract. Return the monies that you Silverline Finance received in Kelly Robinson's account.

My contract is with Silverline Finance and no one else. Silverline Finance should return the monies paid and wait for their refund from Fraudto/FrottoInc/Fraudtoyou or whatever.

Also, anyone else doing business with Silverline Finance should be aware that they have a history of slandering Business Partners and Clients. There are more people out there than just me. Edward, you can attempt to slander me or my company all you want, but I am not the one advertising for FREE on for business! Obviously you can't afford real yellow pages ads to get clients!

Edward Fontaine Jr. has posted my company's information on the Internet under the Alias "Vic" from Fremont, CA and has slandered other Business Partners that Silverline Finance worked with under this name all over the Internet.

You should be ASHAMED of yourself when I am the victim of Silverline Finance and you! Keep posting and I will keep replying.

Respond to this report!
What's this?

#3 REBUTTAL Individual responds

Commercial Vision/ATP Holding Melissa Taitano, Deshawn Williams....

AUTHOR: Mr. Fontaine - (U.S.A.)

POSTED: Saturday, June 21, 2008

First of all there is a refund being processed by Frotto Inc. the low service provider that we outsourced our POF business to and subsequently Commercial Vision. We have been advised that the process will take 7-10 days. The formal request was submitted on Monday June16, 2008. The contract was opened with Frotto under the name Commercial Vision, LLC and the refund sent directly to the client. I have asked that the refund now be placed in an escrow account until certain retractions are written and submitted to this report and on Craigslist, as the client has been slandering to say the least.

First of all, Silverline Finance had nothing to do with transaction at all. Silverline Finance is a real estate, mortgage brokerage, and financial firm. Goldline Silverline Inc. had nothing to do with this transaction either. It was solely my responsibility and was my decision to do certain things to attempt to accomodate the clients needs.

The issue is strictly the responsibility of myself and I am working diligently to get it resolved. There has not been any fraud committed by anyone within Silverline or the associated Goldline Silverline companies except perhaps Frotto, unless of course the retainer is returned as agreed.

Silverline Business & Tax Solutions was contracted by the client. Commercial Vision LLC, Melissa Taitano and her agent ATP Holding, Deshawn Williams. Our services were to assist the client and agent commit fraud to obtain an account and funds in their name in the amount of $1.5M to be verified electronically by a foreign trading firm. Unfortuantely for all parties involved Frotto did not perform per the agreements.

In any event the refund is being processed and should be made available as soon as certain conditions are met.

Anyone is free to contact me directly for further clarification.

Thank you for your time and consideration.

Best regards,

Edward Fontaine

Respond to this report!
What's this?

#2 Author of original report

Contract with Silverline Finance not with Non Existent Service Provider

AUTHOR: Theytookmymoney - (U.S.A.)

POSTED: Monday, June 16, 2008

Edward Fontaine Jr is delusional in his facts. He claims that their is no fraud on his part but there was fraudulent behavior. His business partners had NO idea about my transaction until I contacted them nearly a week later to get a hold of Mr. Fontaine Jr or Kelly Robinson.

On June 6, 2008, he emailed me and called me that Silverline Finance was unable to complete the transaction because they were BROKE and had no money to transfer such funds. He claims in his rebuttal that he was told by his Service Provider that they would have the transaction up by 12pm Friday, June 6, 2008. We had not discussed cancelling the transaction until I emailed him Sunday, June 8, 2008 that I wanted my retainer returned. He communicated with me verbally once on Monday, June 9, 2008 that he and President Khan had resolved the issue with his service provider. At no point prior to this day was I told that Silverline Finance had outsourced my transaction. I was told that ANOTHER DIVISION of Silverline Finance that Kelly Robinson handled would be taking care of my Contract needs. Now all of a sudden, we are using a service provider and they have your money,Melissa.

Also, Edward Fontaine Jr. claims that they charge 1-15% for their services. Excuse me but I DO have emails from you that you ONLY charge a flat upfront fee. You never knew to ask for backend fees until I mentioned it in my negotiations with you. AND your partners were also amazed about how much Silverline would be paid on the backend...oops, I'm sorry...that Edward would be paid on the backend!

Bottom line, my Contract is with Silverline Finance. Why can't they return my funds from their account and get their refund back from THEIR service provider? Why they can't? Because Edward Fontaine Jr has sent me private emails over this weekend stating that he has private deals pending this Tues/Wednesday and he will return my monies from a pending 30k deal. I am concerned for those clients because he is obviously robbing from Peter to pay Paul and I would love to meet with you too Edward to see what kind of man you are contract with people and not return their money when you CAN'T do the job and then blame everyone for your mistakes.

Apparently, everyone is to blame except yourself and Kelly for taking my money and not returning it promptly. If Silverline Finance is such a great company that does EVERYTHING under the sun, surely you have the money to return to me NOW?

But no, just like all the fraudulent people advertising on Craigslist, I really NOW don't expect a company like Silverline Finance with their fancy websites self-promoting all they do for their clients to be any different.

If I am given my money back without initiating a LAWSUIT against Silverline Finance, then I will willingly, voluntarily sing the praises of Silverline Finance, but until then...I must stand by my Ripoff Report that I have filed because bottom line is just as my consumer Name says: Theytookmymoney!

Respond to this report!
What's this?

#1 REBUTTAL Individual responds

No Fraud on the Part of Silverline

AUTHOR: Mr. Fontaine - (U.S.A.)

POSTED: Sunday, June 15, 2008

We partner with several companies to service the unique needs of our clients.

In this particular case, our client Melissa Tand her business Commerical Vision, LLC. needed to show that they had an account that contained $1.5M of seasoned funds to facilitate another transaction involving a trading platform. Our partners provide this service for our clients at a significant up front fee and sometimes with a back-end % due at 30 days. This upfront fee is typically 1% to 15% depending on the amount and how many days the funds need to be in the account typically 30-60 days. Our usual partner charges 6% on average.

In this matter we negotiated for an up front retainer of only $8100, which was basically the cost quoted by the service provider Frotto Inc. including $300 for Silverline processing time, with 2% of $1.5M to be paid at 30 days. Good deal for Silverline. Frotto Inc. is based in Los Angeles, CA

During this transaction, our company was in the middle of moving and the partners have not been available on a constant basis. Due to this fact and the time constraints required by the client, I asked my friend Kelly Robinson, who has assisted me with business and personal matters to help facilitate the transaction to save time and help me get the transaction completed. I did not have access to our business account at the time due to mitigating factors and wanted to assist the client meet her deadline. As soon as the funds cleared Kelly's account I instructed her to deposit $7800 into Frotto Inc.'s account per the required instructions of the account representative Anthony Parker (Ivy). We have all of the documentation contrary to the satements in this report.

Upon confirmation of reciept of funds in Frotto's account, the service provider was to open an account in Bank America in Commercial Visions name and place $1.5M in the account but which would not be accessible by Commercial vision. This was to take place in 72 hrs, as promised by the account representative.

Initially there was some delay, due to the funds not being available because of some transaction that had taken place. We were then advised by Frotto that the account would be active at 12am on Friday June 6, 2008. This was not confirmed as was promised by Frotto. We asked for the order to be cancelled and for the retainer to be returned. We were advised that "the account has been activated so why would we want to cancel". This is all documented in email communications which we are compiling to give copies to our client.

The service provider offers a full money back guarantee if you are not satisfied with the service or documentation. I asked for the refund, but was told that because the account was opened in Commercial Visions name and under Melissa Taitano, they would have to file a request for refund formally in writing. At the time of this report and now our rebuttal, we have been trying to get all of the documentation together for our client. However it appears that they somewhat jumped the gun by filing this report. Silverline has been negotiating in good faith to get this taken care of. Frotto had informed us that the refund process takes 7-10 days and the monies will be sent directly to Commerical Vision.

We are still in the process of getting this taken care and am dismayed that Melissa would stoop to such action as we have been acting in good faith considering the circumstances. There has not been any fraud committed in this case by any officer, associate, or person associated with Silverline.

The documentation will show that everything was done properly on our part and that the service provider Frotto created this situation by not performing as promised to Commercial Vision and Silverline as their agent.

This situation is still pending and hopefully will be resolved shortly.

Thank you for your time and consideration.


Edward Fontaine

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

Segment Now