One Mans Struggle With A Large Corporation
I was having a conversation with a friend of mine and he told me a story about an ongoing fight he was having with a south Texas title search company, for the last 8 months I just had to pass this story on to you Lets call my friend Mr X Lets call the title company, Sierra SearchMr X purchased a home in south Texas last August During the purchasing process a credit check was done and a couple of items showed up on the report Mr X was in the process of fighting with 1 creditor but the information that had showed up on his credit report he knew nothing about. Yves Saint Laurent . The amount in question was over $1,50000 Now this may not be a lot of money to Mr X but it sure is a lot of money to meNow, how many of us truly knows and agrees with what is on their credit report? I know of a couple of things on my report that I have no clue what they are for Have you ever tried to get something removed from your credit report? I have and it is a nightmare! Because of proliferation of identity theft and credit scams today we all should keep a close eye on our credit reports but it is not easy to do.(Fake Louis Vuitton). I have yet to find a truly FREE credit report being offered on the Internet You can get a free report if you also sign up for some type of related product That is not my idea of FREEEvery time I make a major purchase such as a car or home appliance the merchant that I am dealing with will run a report I ask the merchant for a copy of the report They do not like to do this but I insist and if they refuse then I take my business to someone who really wants my businessThe load officer told Mr X that these matters had to be clear up because the company that is loaning the money said so The Sierra Search would collect the money and send it to the creditors This did not sound right to Mr X but when he asked Sierra Search about this they said that this was correct and that the company does whatever the loan officer tells them to doWait a minute I drive a truck I deliver sand and gravel to construction sites If a contractor that I am working for tells me that I have to lay the foundation that doesn’t mean that I am going to Sand and ravel is used in foundations but that does not mean that I know anything about laying foundations I would tell the contractor to stuff-it It’s just not going to happen!A Sierra Search gathers information on the property in question and makes sure that the person that is selling the property has right to sell it and that the property does not have any outstanding monitory leans on it Money does exchange hands so acting as a collection agency is within the companies business scope I think NOT A collection agency has an entirely different set of skills required by its employees to perform this type of work just like a truck driver trying to lay a foundation It’s just wrong!After Mr X took possession of his new home he received three checks in the mail from the Sierra Search The checks were made out to him and some company The name was abbreviated Pay to the order of amer and Mr X and two other checks were made out to fitr cr tnwk and Mr X No other information was suppliedMr X called the Sierra Search and asked them who and where he was supposed to send them The Sierra Search had no clue and told Mr X that he would have to call the load officer for that information Mr.(Chloe Handbags HandBags Replica). X was informed that he needed to send the checks out as soon as possible because the checks were only valid through September 26 A collection agency that does not know who the creditors is and does not know the addresses This does not sound like a good start to me!Mr X called the loan officer and sent out the checks as directed Within two weeks all of them had come back to him with notes stating that they did not know what to the checks were for or that it was not their account Mr X sent all of the checks and envelopes back to Sierra Search with a note stating “Now What”?Four weeks pass with no word from the Sierra Search Finally Mr X calls and they informed him that they would have to re-issue the checks and he would have to come in and sign for them Mr X took a day off work and went in to sign for the checks Guess what? No checks! He signed a document that stated that if he ever found the checks that he would return them to them The Sierra Search could not issue the check until after the December bank statement was looked at which would be about another three weeksMr X is a computer consultant and he is a very smart individual He has the same type of pay arrangement that I do and if I do not work I do not get paid.(Replica Balenciaga Handbags Bags). Mr X has worked in the computer field for over the last 30 years He has worked for the federal government, state government, military, police department and a verity of businesses.(Louis Vuitton Handbags). He has worked as a computer programmer for security and business issues This is NOT the kind of guy I want to have mad at me and now he is madI have asked Mr X if he has ever extracted vengeance on a company by using his computer knowledge He told me that as a business man he could not do that because it would not be ethical and that it was also against his morals I still do not want him mad at me! He did tell me that he had a three-phase attack plan that he has developed to deal with situations like thisPhase-one is to write letters to everyone and he means everyone The Mayor of the town, all of the local council members, the better business bureau, the Governor of the State, the State Senators, and the State Representatives.(Jimmy Choo Bags). Even if nothing happens in phase-one at least he knows who to vote for in the next election Everyone that did not at least respond to his letters will not get his vote He never did tell me what phase-two and phase-three consist ofThe Better Business Bureau (BBB) did respond and open a file, BBB Case ID #72003424 Dealing with the BBB is a long, slow drawn out process It consists of filing a complaint and then the BBB sends the complaint to the business and then the may or not business respond If the business does not respond then they have a listing with Customer Experience of unsatisfactory record with the Bureau due to failure to respond to a complaint I would like to see detail about the complaint(s) but it does not appear to be availableSeveral claims and counter claims went through the BBB complaint process The first response had the statement, “We did close a transaction for Mr X but did not take $x,xxxxx from him, per his statement” Sierra Search did received money from a bank wire transfer and money for the outstanding credit issues was part of the transaction I guess they did not like the word “take” Stop, stop, stop, you want Mr X to go from being mad to being angry? What are you knuckle heads thinking, playing word games with a guy like him? In the same response had another statement, “I am sorry he missed a whole day’s work, but I can assure you that it was not at our request, that was Mr X decision” Right, he can go into the office and sign for the check or he can sit at home and hope that the Sierra Search will somehow resolve the issueIn all responses Mr X has received the same theme keeps appearing over and over The mortgage company told us to do it and it’s not our fault The checks were re-issued in mid January and sent out to the creditors again and all of the checks were returned to Sierra SearchAs it turns out, one of the checks was issued to the wrong creditor and for the wrong amount and Mr X did receive some money from the Sierra Search The Sierra Search still has not any responsibility for what happened The mortgage company told us to do it and it’s not our fault I’m waiting to see if the other two checks were also issued to the wrong creditorLets see, my contractor told me to deliver one truck load of gravel to 123 main street and I deliver two truck loads of sand to 456 center street No problem, my contractor told me to do it and it’s not my fault I don’t think I would be in business very longI am starting to see a pattern here Lets say I close escrow on 100 properties a month and if I can collect $50000 to $1,00000 for outstanding credit issues After a year I could have a large chunk of change in my bank account and its free moneyThe Governor of Texas, Rick Perry did respond to Mr X letter and as a result the Texas Department of Insurance has opened a file CID #774952 He gets my voteSenator John Cornyn of Texas did respond and he has contacted Federal Trade Commission in this matter He gets my voteHopefully the investigations will result in all un-cashed checks for the past 5 years will be looked at to determine if this was an isolated incident or a common business practice for this companyThe bottom line is NEVER GIVE UP Most people give up after a short time and say “What can I do I’m just a little guy” You do not have to take on a Large Corporation by your self or with a lawyer Get as many people involved as possible especially your government officials Happy Hunting
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