Complaint Review: TEXAS CHECK PROCESSORS - HOUSTON Texas
- TEXAS CHECK PROCESSORS 7324 S.W. FWY SUITE 222 HOUSTON, Texas U.S.A.
- Phone: 713-5416611
- Web:
- Category: Collection Agency's
TEXAS CHECK PROCESSORS Texas Check Processors are a bunch of frauds HOUSTON Texas
*Consumer Comment: I hear yea
*Consumer Comment: I hear yea
*Consumer Comment: I hear yea
*Consumer Comment: I hear yea
*Consumer Comment: Yup they are Rip Mf Crooks
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Texas Check Processors are a fraudulent company that apparently is duping people all over Texas. Here's their modus operandi: They send out postcards and faxes to merchants all over the state offering to "buy" their bad checks from them. They offer to pay the merchants up front for their bad checks at up to 100% of the face amount of the checks. They invite the merchants to fax over copies of their returned items and they will review the checks. After this supposed review is done, the Texas Check Processors claim that they will contact the merchant and offer him/her the appropriate percentage for the bad checks. Here's the only catch. They NEVER contact the merchant and they NEVER have been known to pay any merchant for ANY check.
However, they now have faxed copies of the checks and the name and address of the store where the transaction took place. They then begin the contact process telephonically and many times, show up at your door threatening prosecution. They identify themselves as either law enforcement or as investigators, both of which are crimes. If they identify themselves as law enforcement, you can contact your local police department and file a police report for impersonating a law enforcement officer. If they identify themselves as private investigators, you can contact the Texas Department of Public Safety Investigations Unit at (281) 517-1200. Acting as an unlicensed investigator in the state of Texas is a Class A Misdemeanor and the DPS takes these violations pretty seriously.
Because they are unable to produce any cases that they have actually prosecuted, they are in violation of the Fair Debt Collection Act. The act clearly states that a Debt Collector cannot make any threats of action they have no intention of taking. Because they are not the victim, they cannot be a complainant to file criminal charges.
The State of Texas also requires that all 3rd party debt collection agencies have a $10,000 Surety Bond on file with the Secretary of State, which The Texas Check Processors do not.
So they are not with any law enforcement agency, they are not licensed investigators and they are not authorized to collect debts in the state of Texas. Why would anyone pay these guys anything. Writing a bad check is one thing, but these guys should be prosecuted themselves.
Which reminds me, they typically use bogus names. Detective Hill, Detective Piyar Watts, Jimmy Smith, John Jones, etc.
Their real names are: Michael Donnell Hale (the ring leader) has a previous criminal record for theft by check. Ricky Cortez has a felony conviction for theft by check. Ed Hazel-convicted felon. There's probably more information on the other guys hiding behind their aliases, but does it really matter? Criminal Records are considered public information, so, seek and ye shall find.
I recommend that if these guys are calling your or showing up at your house attempting to extort money from you or your family, call the police.
How do I know all this? I was foolish enough to respond to that stupid postcard and faxed them my checks. I never heard from them again and then hired a legitimate company to go after my money. The company I hired wasted a bunch of their time chasing after the bad checks that the Texas Check Processors had collected and pocketed every cent they could collect.
Don't be a victim. Do what I've done and file complaints to everyone you can if you somehow get mixed up with these con artists.
Deceptioncontrol
SPRING, Texas
U.S.A.
This report was posted on Ripoff Report on 02/17/2009 07:05 AM and is a permanent record located here: https://www.ripoffreport.com/reports/texas-check-processors/houston-texas-77074/texas-check-processors-texas-check-processors-are-a-bunch-of-frauds-houston-texas-424946. 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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#5 Consumer Comment
I hear yea
AUTHOR: Pike01 - (U.S.A.)
SUBMITTED: Tuesday, May 19, 2009
Okay my first Rebutal won't be put up! I've just got some harsh words for these two guys. (Rick Cortez Michael Hale) I can with out a doubt they are the two biggest crooks i've ever been in contact with. I just like to say i'm not associated with them anymore but about ten years ago i was fresh out of college i fell victom to there scam. I worked for Michael hale for about 6months and let me tell you that was the worst Decision i could over made in my life time. This man is rude, vulgar and doesn't care who he affends. This man would steal from he's own mother if he had a chance to. This man is horrible. He acts like he's the biggest high roller there is yet drives a crappy old Mecury look alike explorer. I hope that's not to much info??
Anyways what you have posted on your post is 100%-correct. These guys never pay there clients, they rip off the check writter two a crazy affect. They have no desire to stop because honestly they haven't been caught.
They have been doing this all there lives and now it's slowly, catching up with them.
Okay my cash! These guys aren't just low but they pay in cash and when they dont have cash they give you a check they printed off the printer.
This is where i come , Mister Michael Hale is the biggest crook of them all and deserves to locked up immediatly. The fact that he isnt' really questions my beliefs of the law. This man gave me Co. checks to cash at Ace Check Cashing (we had an account there) Apparently he said they where checks that he gotten from companies that gave him money to collect for him. I didn't need to question it i just did what was told and take the check to Ace and they processed each check and gave the money back to me to give back to him. There where so many checks so many checks that i took up there in a months span. The estimate you wouldn't want to believe!!
Long story short i get a letter in the mail at home. Yup i,, I'M BEING CHARGED WITH A FELONY THEIFT BY CHECK.. I was so scared and when i confronted him about it he just said okay that's not my Problem, that' not issue. I was been set up.. i got set up and i had to hire a GREAT GREAT ATTORNEY that cost me nearly 6thousand dollars to help me with this.
lONG STORY SHORT the charges where dismissed, that's why i'm sitting here with my family today. He ( Michael Hale try to say i stole all those checks and cashed them for my benifit. If there is anyone out there that has so much hate for this man it is i! I moved out of the state of texas and i hope

#4 Consumer Comment
I hear yea
AUTHOR: Pike01 - (U.S.A.)
SUBMITTED: Tuesday, May 19, 2009
Okay my first Rebutal won't be put up! I've just got some harsh words for these two guys. (Rick Cortez Michael Hale) I can with out a doubt they are the two biggest crooks i've ever been in contact with. I just like to say i'm not associated with them anymore but about ten years ago i was fresh out of college i fell victom to there scam. I worked for Michael hale for about 6months and let me tell you that was the worst Decision i could over made in my life time. This man is rude, vulgar and doesn't care who he affends. This man would steal from he's own mother if he had a chance to. This man is horrible. He acts like he's the biggest high roller there is yet drives a crappy old Mecury look alike explorer. I hope that's not to much info??
Anyways what you have posted on your post is 100%-correct. These guys never pay there clients, they rip off the check writter two a crazy affect. They have no desire to stop because honestly they haven't been caught.
They have been doing this all there lives and now it's slowly, catching up with them.
Okay my cash! These guys aren't just low but they pay in cash and when they dont have cash they give you a check they printed off the printer.
This is where i come , Mister Michael Hale is the biggest crook of them all and deserves to locked up immediatly. The fact that he isnt' really questions my beliefs of the law. This man gave me Co. checks to cash at Ace Check Cashing (we had an account there) Apparently he said they where checks that he gotten from companies that gave him money to collect for him. I didn't need to question it i just did what was told and take the check to Ace and they processed each check and gave the money back to me to give back to him. There where so many checks so many checks that i took up there in a months span. The estimate you wouldn't want to believe!!
Long story short i get a letter in the mail at home. Yup i,, I'M BEING CHARGED WITH A FELONY THEIFT BY CHECK.. I was so scared and when i confronted him about it he just said okay that's not my Problem, that' not issue. I was been set up.. i got set up and i had to hire a GREAT GREAT ATTORNEY that cost me nearly 6thousand dollars to help me with this.
lONG STORY SHORT the charges where dismissed, that's why i'm sitting here with my family today. He ( Michael Hale try to say i stole all those checks and cashed them for my benifit. If there is anyone out there that has so much hate for this man it is i! I moved out of the state of texas and i hope

#3 Consumer Comment
I hear yea
AUTHOR: Pike01 - (U.S.A.)
SUBMITTED: Tuesday, May 19, 2009
Okay my first Rebutal won't be put up! I've just got some harsh words for these two guys. (Rick Cortez Michael Hale) I can with out a doubt they are the two biggest crooks i've ever been in contact with. I just like to say i'm not associated with them anymore but about ten years ago i was fresh out of college i fell victom to there scam. I worked for Michael hale for about 6months and let me tell you that was the worst Decision i could over made in my life time. This man is rude, vulgar and doesn't care who he affends. This man would steal from he's own mother if he had a chance to. This man is horrible. He acts like he's the biggest high roller there is yet drives a crappy old Mecury look alike explorer. I hope that's not to much info??
Anyways what you have posted on your post is 100%-correct. These guys never pay there clients, they rip off the check writter two a crazy affect. They have no desire to stop because honestly they haven't been caught.
They have been doing this all there lives and now it's slowly, catching up with them.
Okay my cash! These guys aren't just low but they pay in cash and when they dont have cash they give you a check they printed off the printer.
This is where i come , Mister Michael Hale is the biggest crook of them all and deserves to locked up immediatly. The fact that he isnt' really questions my beliefs of the law. This man gave me Co. checks to cash at Ace Check Cashing (we had an account there) Apparently he said they where checks that he gotten from companies that gave him money to collect for him. I didn't need to question it i just did what was told and take the check to Ace and they processed each check and gave the money back to me to give back to him. There where so many checks so many checks that i took up there in a months span. The estimate you wouldn't want to believe!!
Long story short i get a letter in the mail at home. Yup i,, I'M BEING CHARGED WITH A FELONY THEIFT BY CHECK.. I was so scared and when i confronted him about it he just said okay that's not my Problem, that' not issue. I was been set up.. i got set up and i had to hire a GREAT GREAT ATTORNEY that cost me nearly 6thousand dollars to help me with this.
lONG STORY SHORT the charges where dismissed, that's why i'm sitting here with my family today. He ( Michael Hale try to say i stole all those checks and cashed them for my benifit. If there is anyone out there that has so much hate for this man it is i! I moved out of the state of texas and i hope

#2 Consumer Comment
I hear yea
AUTHOR: Pike01 - (U.S.A.)
SUBMITTED: Tuesday, May 19, 2009
Okay my first Rebutal won't be put up! I've just got some harsh words for these two guys. (Rick Cortez Michael Hale) I can with out a doubt they are the two biggest crooks i've ever been in contact with. I just like to say i'm not associated with them anymore but about ten years ago i was fresh out of college i fell victom to there scam. I worked for Michael hale for about 6months and let me tell you that was the worst Decision i could over made in my life time. This man is rude, vulgar and doesn't care who he affends. This man would steal from he's own mother if he had a chance to. This man is horrible. He acts like he's the biggest high roller there is yet drives a crappy old Mecury look alike explorer. I hope that's not to much info??
Anyways what you have posted on your post is 100%-correct. These guys never pay there clients, they rip off the check writter two a crazy affect. They have no desire to stop because honestly they haven't been caught.
They have been doing this all there lives and now it's slowly, catching up with them.
Okay my cash! These guys aren't just low but they pay in cash and when they dont have cash they give you a check they printed off the printer.
This is where i come , Mister Michael Hale is the biggest crook of them all and deserves to locked up immediatly. The fact that he isnt' really questions my beliefs of the law. This man gave me Co. checks to cash at Ace Check Cashing (we had an account there) Apparently he said they where checks that he gotten from companies that gave him money to collect for him. I didn't need to question it i just did what was told and take the check to Ace and they processed each check and gave the money back to me to give back to him. There where so many checks so many checks that i took up there in a months span. The estimate you wouldn't want to believe!!
Long story short i get a letter in the mail at home. Yup i,, I'M BEING CHARGED WITH A FELONY THEIFT BY CHECK.. I was so scared and when i confronted him about it he just said okay that's not my Problem, that' not issue. I was been set up.. i got set up and i had to hire a GREAT GREAT ATTORNEY that cost me nearly 6thousand dollars to help me with this.
lONG STORY SHORT the charges where dismissed, that's why i'm sitting here with my family today. He ( Michael Hale try to say i stole all those checks and cashed them for my benifit. If there is anyone out there that has so much hate for this man it is i! I moved out of the state of texas and i hope

#1 Consumer Comment
Yup they are Rip Mf Crooks
AUTHOR: Pike01 - (U.S.A.)
SUBMITTED: Tuesday, May 19, 2009
I'm going to keep my self anoymonous but i know exactly what your going threw with all three of these Jokers. The sad thing is that NON ,, AND I SAY NON ARE IN JAIL YET! That's mf Sad,, it really questions are legal system. eSP THE BIGGEST ashole and crook of them all (Michael Hale) He's rude, and one of the biggest Bully's on the phone you'll ever meet. He's one of the kids who got there a*s kicked ever day in school and now he thinks (YEA THINKS HE'S MF SHUG NIGHT) but in reality he's the biggest MF P---Y i've ever know. I was young fresh out of college and foolish to think these guys where legit and i can tell you right now I'M STILL HINDERING THE results of knowing those assholes. The sad thing is that Michael last i heard should have a HUGE felony case against him in Harris County and last i heard they haven't cought up with him? So i heard? As for Ricky Cortez he's just an Idoit! I do apologize for you for the money you lost but ONE DAY,, ONE DAY they'll be in jail.
Just a quick note: These guys have no Future! They have nothing, They live day to day ripping people off and profiting from people. They get by ripping people off. that what they do! Then they find stupid people to work for them and get them in trouble as well.. That's what they do!
There scam is Hot Check recovery, SAY YOU write a hot check for 50 dollars,, they'll charge you over 250- possibly more to pick it up. What get's owners and buisness owners is that somtimes they pay for these checks (with a HOT CHECK OF THERE OWN) SAD! but they do it!.. THIS IS A SCAM.. if you ever incounter anyone from Texas asking about a Hot Check back 5-6-10,,, hel 15 yrs ago,, it's them!! BEWARE..


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