Geneva Roth Ventures bringing false charges against me – help please!

Geneva Roth will ask you to make the payment within the quickest time. The often charge the people saying that you used your company's IP address to embezzle funds. They even try to hide their identity by saying that this call is from the Fraud department and they will be forwarding the documents to your employer. There are many other scary tactics used by this company. Don't get afraid from such threats. The company needs to prove before putting any charges.

Remember, the collection agencies are forced under the federal laws to validate the debt. Until the company gives you the necessary information in writing, you have the legal rights to refuse payments. Send a debt validation letter in writing and cover your base legally. The letter should be sent through certified mail with return receipt requested so that their is a proof that the letter has been received by them. Some more information about this company is put in the thread below.

http://forums.debtcc.com/forums/about10787.html

afroindianmix, I received the same call about a month and a half ago. Stating that I was committing embezzlement and the such. I got scared. Asked my Mom for the money...she would not give me the amount I requested...$1150...but said that I could have $500. for a $390. loan. I called back stating what I could give and work out payment arrangements...they said NO. So, I told my boss about the situation...he laughed at the allegation and said that the worst the company would do is slap me on the hand based on the fact that employees make personal transactions everyday on the company's IP address. I did receive a call today and an email from them at work. I forwarded it to my home email and will reply from there. Also, I have no idea who they are or what payday loan company they are...all the payday loans that I had defaulted on have either been paid in full or nearing that status. I will be sending a certified letter requesting full disclosure of the billing amount.

Thank you for responding to my inquiry. I spoke with a young woman from the company yesterday. I will contact her and request more information. One other question, can they attach my wages to pay off this debt? I have received not only this threat from Geneva Ventures but also from 1st Credit Of America,who have been rude not only me but my co-workers also. They have even tried to bypass me and have gone straight to my payroll department requesting a garnishment. I requested proof of this so-called debt from 1st Credit Of America but have received none. I just filed a complaint against 1st Credit for harassment, as they refuse to stop calling my place of employment and they have shared my personal information with just about eveyone in my office. I have been cursed at, my co-workers have been called liars and it keeps getting worse with 1st Credit Of America. I told them that I filed a complaint with the Attorney General Office and they don't care. They stated that they are going to call me everyday.

You need to cover your base so that you can show proof of the illegal activities of the company. Garnishment cannot be done without a court hearing. If they do, it must be illegal. Keep your documents in place so that the judge understands the situation fairly and rules in your favor.

Can you please tell me if I have an account with you. $180 total plus service fees of $36 for insufficent funds has been taken out of my checking account two times now. I need to know what this is. I don't remember signing up for anything and I need my money back, it is causing my checking account to go in the red twice now.

Mary K Johns

Mark

It seems that you are having issues with Geneva Roth. You need to contact them and ask for debits done in your checking account. You can explain the situation to your bank and block the company from doing debits if closing it is not an option for you.

this company has attempted to take $390 out of my bank account today. no clue what this is and who the heck they are. i will not stand for this.

A freaked out girl

This is the address and phone number to contact Geneva Roth. Take the help of your bank and ask them dispute the debit with the company. They need to clarify the debit or else revert the money back to your account.

Geneva Roth Ventures
P.O. Box 148
Shawnee Mission, KS 66201
800-351-8820 ext. 247
The ext. is for Trent Bradley Director of Fraud and Compliance
913-825-1200 (direct office number)

I appreciate the information...

Absolutely correct - the payday loan is nothing more than an attempt to legalize loanshark tactics. Don't be scared just may arrangements to pay back the loan on your terms with a reasonable interest amount - anything over 20% is obnoxious and illegal in the state of Texas -

Hi,
I just had an experience with Geneva-Roth that I want to share. I got a call from their collector, saying that I needed to call back today re my loan before legal action was taken. I called back and explained that I had already sent one check from Credit Advisors, my Credit Counselors, which was sent back because I gave a wrong address.
I found the right address on this forum and sent it back to them. This guy told me that my balance is now $480 (my original loan was for $300) and that he is offering me the chance to make 4 payments totalling $480 via electronic debit or do Western Union.
First off, I don't want these people anywhere in my new checking account, although I do want to get this paid ASAP. He told me that due to the small nature of this debt, they didn't want to do credit counseling, since it would take too long.
I was thinking so why go to the trouble of court at that case...Based on what I've learned through this forum, I asked for a debt validation letter which he promised to email me ASAP (still waiting hours later).
I am going to continue with my Credit program and keep sending these sharks checks until my original $300 balance is paid off.
Any advice would be appreciated!

Here's my advise. Do exactly what you are planning on doing. Do not give them your new account number and do not pay them anymore than you have to. You are doing very well with your plan.

kscornell, Do exactly as Sue says. Once you close that old bank account NEVER give the new one out to nobody. Even my Attorney General and bank advised me of this. If you keep paying them what can they do? They would be foolish to take you to court when you have proof that you are paying. Good Luck KYSIDE38

Thanks for the kind replies (I LOVE this site!!)
Anyway, here's an update:
I got a call from a Mr. Watkins at work (I called him back and said I was Mrs. Cornell, just to jerk his chain :)) ) Anyway, he repeated his "generous" offer to rip me off by my paying 4 payments of $140 each to cover my original $300 balance ($390 with the fee). No way could I do credit counseling and I have till Friday to accept at which time he would move forward with garnishment.
First off, I still haven't gotten a letter validating the loan. $390 of it I will agree to, but no more than that. And second of all, I'm almost positive that you can't just garnish wages without a court decision in CA, right? And with how backed up the courts are in the Bay Area, this will be awhile, believe me.
I talked to Credit Advisors and they asked for the address again, so I want to make sure how much they've already sent the scumbags.
The only thing I am scared of is that this a**ho** will call my work and talk to my boss. I think that the best offense is a good defense, so I wanted to talk with my boss tomorrow and tell her that she might get a call.
If Credit Advisors hasn't already sent something, I want to send the Geneva douche bags a money order and send it registered, signature required, so I have proof they got it. I can't send the full amount this week, but I think I can do at least $100 of it.
Anyway, I'm going to batten down the hatches. I am a junior Payday Loan warrior (my jedi master is Polly)and I am going to fight them and win. Once I pay off every stinkin PDL I have, I will devote my free time to shutting down this disgusting industry.
PDL's prey on the poor and struggling in America today and are a true cancer. I cannot believe I was so stupid to get suckered in!
I'm done...off my soapbox!! Does that sound like a good plan?

I have changed my banking information twice and they have tried to debt my account serveral times without approval what can I do to stop this once and for all I have made serval attempts to contact them in regards to this issue but of course no one evey answers your calls they only call with threats

Lutha, inform your bank about the debits tried by Geneva Roth. They will be able to help you on this and stop any kind of charges. Unauthorized debits are not legal business activities. You should report this activity to your Attorney General

i have a loan with Geneva Roth Ventures, i got it in may 2006, they have taken out 180.00 since june thats a total of 720.00, and the loan was only for 300.00 what do i do

Betty, be aware of your state laws before disputing with Geneva Roth. After you have found out the legal charges added to your principal amount, put a formal dispute to the loan company and claim for a refund if you have paid more than the permissible amount. Don????????t know if your bank will sound helpful to you, but you can ask for their assistance in putting the dispute with the company. There are many negatives about Geneva Roth these days. Use caution when you are communicating with them.

So can someone tell me how you find out who these companies are and if they are actually collection agencies? It is my understanding that if they are collections agency then they haft to follow fed laws but if they are not then they have more room to collect if they are the owner of the loan. Can someone help me with this? I need to know how to move forward.

thx.

John

John,

Geneva Roth is a collection agency. You have the legal rights as a consumer to know about your debt. Use your legal right and send a debt validation letter to know about the account they are collecting for. It is very natural that if the company is doing a genuine collection, they should be able to present the details requested by you. Otherwise, their activities can be often considered fraudulent and for this, you should report to your attorney general and the local BBB. Here is the address

Geneva Roth Ventures
P.O. Box 148
Shawnee Mission, KS 66201
800-351-8820 ext. 247

I guess I don't understand. If geneava is a collections agency then why do they tell me they are not and they are the people that are original loaners?

I understand that I have rights but if they are the people that I borrowed from then aren't the laws different for them?

This is all very confusing.

John:

I have had many loans with Geneva Roth Ventures. When they deposit money into my bank account, my bank statement says: Geneva Roth Vent. I don't know of any collection agencies that actually give loans, therefore, I think that Geneva Roth may be the company that issued the loan in the first place. I don't know, maybe I am wrong. Hope this helps you some.

IncredibleHelp:
Ok, now I am really confused. All that forum says is that people owe this company money and that they are getting calls from them. Did I missit it their? I was hoping to find out if they really are a lieing about who they are.

Rach:
That is good to hear but are you sure that they are who they say they are?

How can I get this info? Does anyone have any ideas????

I figured out Geneva Roth is nothing but a loan company. Put your complaints of harassments with the FTC, BBB, Economic Crime Division and Attorney General's office in the states of Missouri & Kansas. Mr Bradley is trying to impersonate an attorney. That's a federal offense. A legitimate debt must be collected by legitimate means, not by involving in fraudulent activities. The federal and state laws also mention that threatening criminal punishment for a civil matter is illegal. You must put your complaints with the necessary authorities and anywhere else you can think about.

so incredible, this is what i don't understand about this forum. i was looking for ansers and everyone was very quick to give me advice but now it turns our that they aren't a collections agent and everything i planned on doing is not going to be the right thing. debt validating i guess is about all they haft to do, if they are the loan co then i have to follow a different set of rules?

sorry for sounding stuipd but the last thing i need is to end up paying some big fine for doing the wrong thing, again. any help?

Geneva Roth is a very shady company. They have their own collections that must also follow the debt validation part. You are not doing anything wrong. It's just that you are unfortunately working with someone known for their shady practices.

We are posting our response from another posting here on this site complaining about the SCAM and DARK WORLD that GenevaRothVentures live in...
As mentioned, Geneva Roth along with Trent Bradley have been reported and are being investigated by several Federal Agencies for harrassments, fraudulant calls, threats which have been recorded.
We were informed that although threats have been made and the famouse line from Trent Bradly is" Embelezment, do you have an attorney, have you ever been prosecuted, are fake words they use to give the impresseion to the caller thaty they are from a legal department, this is truely FALSE. Most likely there is a written script and they practice false tactics to use on people.
If you are wondering why you have paid "Large Extension Fees" such as $60 to $90, more than a walk-in Physical PayDay Loan office, is "because someone is making extra money off of you".
We have been informed that they never send any proof to the victims, rejected pay arrangement without the extension fees (which seem illegal), etc.
Unless, they send you a list or in writing of a breakdown on what you owe...then take action to pay back. Otherwise, they are known to fail such a simple request for proof of what is owed.
Record all conversations since they record you as this Trent Bradley states.
Don't ever do on-line loans

agree, just avoid all pay-day loans. Right now, paying the $300 is reasonable and you by law can pay half (example $150 twice to sum up $300) this is of course withought the Man-made-Geneva Roth extension fee of $90. Remember, this is more than what a credit card charges and someone is making a cut on your extension fee and bringing it home as a so-called commission or bonus.
They are very popular to "not return your phone call" when you want the extension to stop and you want to pay it off. Beware when you first sign a sloppy document they created to have $90 deducted from your checking and this will be way more than the original loan you borrowed. So stop their insanity by putting a stop payment at your bank and then go half $150 2x to pay back only the $300.
We have never seen such a company with more than one address, their bazarre.
Another tip: Beware when Geneva Roth sells your account to another PayDayLoan collector. You can be dealing with a new Collector that are nice and say that GenevaRoth handed them your account. You comply fully, pay in full but the nightmare begins again with GenevaRoth. They will call you back 6 months to 1 year later saying that the Collector or other PayDayLoan dosn't have your account and GenevaRoth tries to threaten you saying you still owe $300, when in reality you had paid the other company who took over. It is known to be a SCAM and they are good at this. Don't pay anymore and don't pay "twice."
Don't let the false words get you when they call and ask "If you have an attorney", "Have you ever been prosecuted?", "You are embezelling money", It reality Geneva Roth maybe known to be committing these crimes themselves by embezzelment.

Record all your calls, write the date and time down. Inform your workplace of harrassment and start to seriously put together a lawsuit. As mentioned record all calls, it is easier to trace them down.
_________________

I woule like to know the email to see my balance

Here is the number to reach Geneva Roth - 800-351-8820 ext. 247

Does anyone know the address to this company?

This is the address I found on the other thread

Geneva Roth Ventures
P.O. Box 148
Shawnee Mission, KS 66201
800-351-8820 ext. 247
The ext. is for Trent Bradley Director of Fraud and Compliance
913-825-1200 (direct office number)

geneva roth took money from my acct without my permission what do i need to do.

Go to your bank and put a block on them from debiting your account again, and request the bank put the money back into your account because you do not know who this company is and you did not give them permission to take money out of your account. You will of course have to complete paperwork with your bank.

I was harassed today at work by Geneva Roth Ventures. the man's name was Corey Boles . I just filed a formal complaint about him to a Federal consumer site. He told me he would call me everyday at work if he has to. I had made arrangements to start paying down this loan and I told him that and he told me that is why that person doesn't work there anymore, she did the wrong thing. These people are vultures and I won't stop until I stop them. Do you have a number for Geneva Roth and do you know how I find out if they are licensed in Massachusetts?

In Aug. 06 I got a $300 loan from them I guess and they've taken $90 out of my checking acct. every 2 weeks since then. I am just figuring this out unfortunately and filed a dispute with my bank. I tried to call the representative also and she did not return my calls and when I called they answered "customer service". VERY FISHY to me! I pray I get my 6 payments of $90 back now, this is ridiculous!! Especially for a lousy $300 loan. Hope someone else sees this too!

I have been trying to get some satisfaction from Geneva Roth for weeks. today I called a Mr wiggins, they refuse to send me any documents pertaining to my loan. I have filed a formal complaint to the attorney general in Massachusetts. I have been harassed and threatened at my work place. I owe them 120 dollars and they are trying to get 495 dollars from me. Although, everytime they call me it is a different amt!!!!! Today I called Mr Wiggins and told him I was recording the call, he told me I didn't have permission from him to do so. So I said Ok and told my sister to pick up the other phone, once the other phone was picked up this big threatening big talking coward hung up. Don't take any bull from them at all. they are loan sharks and AG's all over the country are trying to close them down and prosecute them. My question? how can a person be so very unkind to another??? that boggles my mind.

I had an issue with them too. They credited $320 back to my account and said they were sending my loan documents to me for my review. I think they were sent certified mail (I just haven't picked them up yet).

I have more than paid back my principle, and additional fees. Seeing what everyone else has gone through, I'm going to file a complaint with my AG's office (as loans are illegal in MD) and am not paying any more money.

They are rude and loan sharks and need to be shut down.

Upon reading through your posts and statements made which acknowledge that contracts were signed, I cannot help but be amazed at the number of people who are outraged by these fees. Whether or not the contract was actually read, it was signed (NOTE: e-signatures on online documents are legal signatures) and these extension fees were agreed to. In order to avoid fees, the loan should have been repaid immediately on the next payday (hence, Payday Loan (PDL)). These are meant to be short term solutions to temporary cash flows problems. If you have lost your job, are on the verge of bankruptcy, or have a gambling addiction, payday loans are NOT a good idea. If you are going to be late making rent or car payments and CAN AFFORD ONE FEE and will repay the loan on the NEXT payday, a cash advance is OK. Fees add up (a lot) when the loan is extended beyond the due date. Banks add fees when your account is overdrawn; credit cards charge fees AND interest when payments are not made; student loans charge fees and/or interest when payments are not made. Small loan lenders are no different; when it comes to utilizing finances that are not yours, fees should not be a surprise. If you find yourself frustrated by these fees, please ask yourself how long ago was it that this loan was deposited into your account? The money was provided to you when you asked for it, why shouldn't these places charge fees when repayment is delayed for weeks, months, or years?

I collect these balances so, as I am certain you can tell, I am biased and opinionated on this issue - but I am not a monster. As with most (not all, mind you) collectors, I am very willing to negotiate a MUTUALLY agreeable settlement - as long as the settlement balance is paid within a reasonable time frame. Often, a very generous lump sum settlement can be offered if the payment is made immediately. But you have to be willing to make that sacrifice to resolve the matter right NOW. The best way to beat the fees is to pay the loan immediately.

Also, please get a phone number for these companies when you get the loan and KEEP IT. Too many fees occur due to nonpayment because "I could not find a phone number to contact you". Why would anyone engage in such a practice of receiving funds from a loan company and not care enough to obtain this information and preserve it? Get the number from the loan rep when you apply, from the website, or from your bank. If not, by the time you do actually reach a representative by phone, nothing can be done about the payments you have already made - but the principal balance remains. Please, to reduce the frustration for yourself and the loan companies, keep sufficient records of YOUR financial matters and the companies you choose to involve in them.

If anything in the above post was taken as something offensive or insulting, that was certainly not my intention. I only meant to give a little insight to how a collector views the same situation that is frequently the topic of discussion on this site. The collection reps that contact you are people, too - people who merely work for someone that provides cash advances. These reps did not give THEIR own money out in the form of loans. Before you get angry and hostile with them, remember its just as easy for collectors to terminate a call and move on as it is for them to really work with you to resolve the matter amicably - if you allow it. Furthermore, most of us are just like you in that we go home to debt and collection calls ourselves. So, rather than spending time trying to find fdcpa violations or filing complaints, try to cooperate with these companies and the representatives - you may be surprised by some of the results.

I dont check this site often, but I do like to view it ocassionally to see what the customers are thinking. If you have any legitimate questions or comments, I will try to make an effort to check back and reply to them. (I know there's a lot of frustrated people out there but I'm not into name-calling or back-and-forth bickering - please save those attitudes for someone else. TIA.)

I am a former employee of the company that your loan originated from. They are located in Kansas City, MO at approximately 8th & Main and give payday loans under a bunch of different names. Geneva-Roth Ventures just happens to be one of them. That was the name the Gordon Gecko's company in the movie 'Wall Street'. Honestly, it has been several years since I worked for this company but I can tell you this. They have a ton of loans out all around the country w/ the exceptions of Kansas & Missouri. They do that so employees do not give loans to friends, family, etc. The company is owned by 3 guys, one of whose name is Sam. The manager at the time I worked there was named Rachel Cooper. I am not sure if they are owned by the same 3 guys or if Rachel Cooper still works there. They make a TON of money on these loans and had 10 - 15 huge file cabinets full of loans dating back several years. I did see them 'forgive' loans for people that had been paying for several years. Sweethearts I tell you. They paid their employees $12 hour w/ a commission structure that was unattainable. Here is the bottom line... No one forces anyone to take a payday loan. In times of financial duress try to find any way to make it through w/o taking one of these loans. This is one step below loan sharking in the scheme of things. The three gentlemen that owned the company were even ashamed of what they did and would often tell colleagues that their company was doing some other type of business. This is America though...

Your right anonymous, unfortunately most of us in time of desparation made a decision that put more of a financial hardship on us. Thanks for your input. :D

Thanks for that information, I think it is very helpful for people to read about what goes on behind the doors of these companies

Oops, I had the incorrect street. They are not at 8th and Main - they are on approx. 9th and Main. Rachel Cooper still works there and if you have complaints that she is pretty much the one that you should speak to.

LTS Management Services, LLC
xpresscash.com
110 West 9th St., Suite 100
Kansas City, MO 64105
(816) 471-2829
(800) 757-8373 FAX

I have been there Steelers1. I have definitely pawned things and stuff like that to keep food on the table. I know what you mean. With the cost of fuel this last summer and just the way the world is these days it is hard sometimes and we have to do what we have to do. There are always people there to take advantage of the misfortunes of others. I hope things look up for you Steeler1.

Thanks, they have been over the past few months :D Things seem to be aligning, I just got a promotion and I'll be graduating Nursing school soon! Trust me when I say, I have learned my lessons! And I see you have also!

Its nice to see the fuel prices going down makes it wasier on the wallet, I do wish they were like it was back in 99 here in TN gas was about 78 cents a gallon

i need a loan

I just spoke to finally a real person at this place. her name is Shelley Wiggins and her extension is 224. I also spoke to an Alicia at Ext. 240. These people have a real scam going. It's $90 every 2 weeks and to pay off the loan it's $390, because the $90 only gives you another 2 weeks to pay the loan. I have no idea what company they actually are becasue you e-mail them at loanpointusa.com, the ext. form they send says Geneva Roth Capital and they debit your account as Geneva Roth Ventures. When I asked for a mailing address, she told me to hold on because she didn't think that they had one. And when I asked to change the banking info because that account was closed she told me payment had been sent for already but in the same breath that it looked like the manager hadn't done anything yet so they could debit the new account after all. I just want to get this over with. Here is the address they gave me:
Geneva Roth Ventures
P.O. Box 148
Shanee Mission, KS 66201

By the way on the above mentioned post, when I spoke to this Shelley person, I asked her to send me a copy of my loan and anything I signed that may be on file. She responded by telling me to deal with Alicia from now on. When I e-mailed Alicia with the same request, I got a copy of a letter saying my loan would be deposited within 24-48 hours but nothing that I signed off on. I e-mailed again for a signed document and have yet to hear from anyone.

earlier this year I filed bankruptcy, for past two months a company called geneva roth has attempted to withdraw over 400.00 from my account each time, I even blocked my account somehow they made it past the