I have a large complaint of alleged fraud. I say alleged because I am still waiting for the services after a grueling 7 months. I would like to say there is a lot of detail in this but still clear and not redundant. The claim will have enough information for you all understand my anger and the nature of this claim. It is complex and hard to wrote clearly. Some things might be unclear so please forgive me. Here are a list of complaints or wrongs that I feel were done to me.
1. Services not provided
2. Promised 1 month but has been 7 and counting.
3. Inconsiderate and childlike unprofessionalism
4. Wasting money sending things by international mail when could had been done once. Also money wasted on expired documents because of senseless delays!
5. Unnecessary requests of government documents and statements
6. Wasted 100s of hours from both online sending email and offline processing and gathering statements and notarization.
7. Lost of hope (happiness in vein).
One Feb 13th, I had contacted Joshua Russell for a merchant account for US citizens but because I am not in America at this time I am not eligible. So Mr. Russell suggested that I can have an offshore account in Belize where he would at as an agent to the Bank of Belize. After doing some heavy research and dialogue regarding my concerns I finally made a payment on March 3,2013 in the amount of
$2, 370 through Paypal. Several days later he notified me to make a second payment to him of $96.35 on March 6, 2013 for the difference in payola fees. Before I paid however, he told me that it would take a month to process or less. Paypal offers a 45 day limit to file a claim. Before that time arrived Mr. Russell asked for several documents. To make it simple, he asks for information for me to send. After several days to over a week there were no replies. Sometimes he did not get them sometimes. He does not respond even when he does. We used Skype, email and phone during this time. Although no longer clear at this time, he would often ask for information much later than reasonable time. When the 45 day deadline was approaching still hardly anything was done. So I opened a case with Paypal and called Mr.Russell to inform him on a Sunday because I was not getting any responses from him. After I confirmed that I did opened a case he told me to either close the case or he would cancel my account. I will comment on why I complied:
1. I really had already a lot invested in this and did not want to end it so easily. An account like this would be a dream.
2. Also during this time I had also looked into other banks with this type of service. They all told me that I need at least 2 references from 2 banks proving to have 2 years of cooperation. At that time, I only provided 2 and one was only which was only 18 months and just a statement. Other banks would not accept. However Mr. informed me that the Bank of Belize would accept after several days of waiting. In other words, they were the only ones that would accept my information. So I thought. …….
3. Even if I did have a problem I did not want other banks to shun me if word gets out. Still why should they because they are to retain my information under law.
4. If all else fails then I would still have other forms of dealing with this company or man since he is in the US.
So I wasted my $96.35 on that. I should have a history on that in my Skype. I have the proof for that.
Why am I just now coming to you for this?
One: Is because I want to make sure I exhaust all my options first before I trouble another party.
Two: There was evidence that things were going well. For example, I got a cooperate manuel and certificate with a seal through DHL.
Three: Again I wanted this account!
Four: Sometimes things take time and patience and not let my anger get the best of me.
From March on I will not go in sequence for it is too long and unclear. But I will just mention what generally happened with examples up until now. Often Mr.Russell would send me a list a requirements through email just to tell me weeks or months later that they are no longer good, never good or need more information when they could had asked me earlier. For example, in on March 20th of this year he told me that I needed the bank letters and did not need one from a lawyer or an accountant if those were possessed . Then over 2 months ago he informed me that the Chinese statement was not enough. So I finally thought of my Credit Union All Star. I sent that again through DHL which is the third time through mail. I was very frustrated at this time. Then just four weeks ago he informs THEY NEED A REFERENCE FROM A LAWYER! I told him that I cannot get one from the beginning! I do not know a lawyer! Why not ask me that earlier? Why waste my mail money? Why constantly change the requirements? Why suggest that I lie when I threatened to have this reached by a third party. Then today the Bank tells me they want a TRUE reference letter and Mr.Russell Told me differently the day before. That is a lack of unprofessionalism.
He would often lose the information that I had given him many times and even through mail which is expensive. He is rude and does not treat me like a client. He always makes excuses and constantly changes what he says or the what the bank says. Again three weeks ago the bank informs both of us that account would be initiated in 2 or 3 weeks at that time. I have that email for reference. Then they need more information and Mr. Russell does not know when it will open. He ignores my most important questions. I sent professional and expensive notarized documents to them. They also had to be translated. They wait until the very day my housing lease here to expire just to tell me that they need another one. This one only after 3 weeks when I sent other mail to them through DHL! They keep asking for more information and I told Mr.Russell that this is dangerous! So, he cannot even promise me what is needed or when I can open the account. Seven months have gone by and still nothing. If they are not going to give me the account, why take the money? Why keep asking for more information? Why keep changing? I asked Mr. Russell to tell me what is the problem during this time and he tells me for a long time, "you know very well the procedure. " Remember he told me this would be completed in a month and it has been much longer than that!
He told me that I was pre-approved after scolding him and giving an ultimatum. I sent hundreds of emails and 100s of hours wasted. Countless sleepless nights also were endured. That is about what happened. There are other examples….many.. but this is the general idea. I am worried because this is bad then I might not have a chance for another bank!
One thing that makes me very angry about this is that my friend and I have been hoping for this for months! I informed Mr. Russell that my friend is ill and I need to take care of him! This was mentioned to him several times and he does not care. He just laughs. I am furious about this. He does not give me straight answers. He is just playing with me now. When things seem to be almost finished something else comes up. Then he gives me mixed messages and directions on what to do. He will not provide me the contact information for the bank.
I have tones of emails where i can take 3 or 4 snapshots of the condensed emails sent through gmail.
In this section I would like to mention the most recent trouble before I finally called it quits because this was written two weeks after the above. As I mentioned that almost a month ago the Bank of Belize informed Mr. Russell that I would be having my account opened within 2 or 3 weeks. Then they asked for more information to be sent. The leasing contract was again requested because it expired after providing them that 5 months ago. They also demanded a reference letter from a lawyer or an accountant. From the beginning I told them that I do not know a lawyer and 2 (given them three) bank letters/statements were requested instead. Only up to 4 weeks ago the demand that! I just sent them some other documentation just 3 weeks prior to that and not said anything when i sent the lease renewal! I was furious by this time and almost gave up. Mr. Russell told me "to be creative." That meant that I could have anyone sign it from a service provider like a school or business. I reluctantly agreed. Still he was not clear. I got a reference draft that I made and had it sent to him by e-mail for approval. 'The letter was to be placed on a letterhead. I I also demanded him to please send to the Bank of Belize to make sure. Four days passed before he finally said anything. They told me the name of the accountant had to be on the letter and signed by that person. I asked was there anything else. I was sick of tired of wasting money for trial and error when there is email to check! I warned Mr. Russell that I would not be sending anything else after this. He had to be sure. He attitude towards me is so condescending like I am a pest or peasant. After all was given to him. Again after being corrected he told me it looked good and it was sent with the other information that I had to pay for through DHL. Another 10 days went by and I warned him that I was taking legal action if things were not complete within three days. His response was "it sounds like you are threatening me. Better not go down that road bud. Keep cool and I will get this done." Did not know what he meant by "do not go down that road." Was he telling me that he would keep my money or threaten to damage my identity from future opportunity? So, I complied for several days until Thursday August 29, 2013. I received a forwarded email telling me that the letter had to be registered and have the full name on it! That is AFTER they received it through mail! Why not tell me earlier? Why ignore me after asking for days for anything corrections to me made? Why tell me to be creative just to forward me that? Why lie? Why tell me to relax? Why be so crude and cruel like that?! Why insist on having me provide something that I flat out told them that I did not have in the first place? Why ask me more than what I was told would due months ago?! So, I told Mr. Russell that I do not want the account any longer. I do not trust him. I do not want to do business from this bank. They do not want to give me the account fine. Why have put me though all that for so long! He did not even acknowledge that HE was the one that caused the mistake. He was the one that not only approved the letter in the email but told me to do "any" letter to be sent. He just forwarded me the interactions like it were a new assignment. This was HIS mistake and had time to prevent it. I wasted money because of him. They have my personal information. I will also take legal action for the suffering and money lost potentially from all of this. I have all the proof you will need. I have about 250 emails maybe more. I can selectively send what you need if needed. If the name and proof of registration is so important to hold my account like this, then they would have told me when they saw the email. That is why they are for. Otherwise it is fraud and I hope they are punished. He is so arrogant like he can do what he wants to me without punishment or obligation. Because of this i am so angry and have little money! He caused me to lose many buyers other things in my life. It is hard to take care of my friend who cannot work long hours due to his blood flow to the brain.
What would I like out of this?
1. Criminal Charges for fraud and illegitimate request for collection of highly conditional information regarding my identity.
2. My money returned to me
3. My documents returned to me for later use and for my protection.
4. Have a record on him or the company regarding this.
5. I like if possible my DHL money refunded back to me.
There are other things that I want but those cannot be done here. If you need further information, which there is a lot then you can kindly contact me at:
HOWEVER!, if Mr. Russuel can still find a way to give me the account very soon, I can safely withdraw any money, and there is an overseer in case something is wrong like a freeze for a period of time then all charges can be dropped. That is BEFORE I pay more money elsewhere for another account. Of course I would not allow it to go this long and stay in Paypal once i do.
They take my money and information and allow me to waste money for 7 months and for what? Fraud is one thing but he was being cruel to me and so it is more than just the money.My hopes are given up! Now I do not know if i can ever get an account anywhere because of this! Before I paid anything upfrontI asked him that what would happen if he lied because I was cheated before. He told me that I can sue him and that is what I intend to do.
Here is His Information:
Joshua S. Russell
IBC Merchant Accounts
P.C. Commerce LTD
Direct: (925) 933 5030
Fax: (925) 955 1643
Email: [email protected]
P.C. Commerce LTD
PAYPAL: [email protected]
Refund, punishment, returned docs, DHL money refunded, record on file