Skip to main content
index page

Emerald Marketing-Is this company legit

Submitted by rronei2 on Mon, 07/21/2008 - 13:17
Posts: 5
Credits:
[Donate]

I got a payday loan last march for $300.00 (I will never do it again)...Since then I have dealt with Jesse Corum, and now for the past few months have been recieving email from Keith Czarnecki. When I got the loan, I had no recollection of signing any contract, but a week later, there was $300 in my account. Reading up on these forums, I realized how these companies make their money so I closed out my checking account so that they couldnt **** me in debits. A month later when they tried to debit my account, I finally got the first contact from Emerald Marketing VIA email (there was no email or phone confirmation after I was "approved" for the loan--the only info I had was on my bank statement). This guy Jesse told me I owed some outrageous amount and I recieved threating emails for a few months from him-so I chose to not respond because I knew he was just trying to bully me. After not finding any info with the BBB or any type of legitamcy with this company I decided that I should furthter investigate before sending any money. ( I dont want to send them the full amount, then a week later hear that I still owe some other amount that they make up.) For the last two months I have recieved emails threating me saying that I am committing fraud, but yet they have offered me settlement offers of $150 and $200 when the orginal loan amount was $300!!!....so my question is how can a company trying to get half of the principle loan be a legit company? These "discount offers" are what is making me feel weary about sending money because I fear it will never end. I know that online payday loans are illegal in kentucky, but Im not 100% familiar with the laws and I dont want to get sued either. Any Help would be appreciated!

[color=Red]****Adult term removed - Jason[/color]


unless i am mistaken,they are located overseas.that makes them illegal.


Submitted by paulmergel on Mon, 07/21/2008 - 14:04

paulmergel

( Posts: 15514 | Credits: )


actually,all the overseas places have shell addresses in the states.for example,GFSIL,B.I.G. AND ROUTE 66.that trifecta show a addres on terminal way,but alot of AG'S have said that
is a shell address.i believe that is the case here.


Submitted by paulmergel on Mon, 07/21/2008 - 14:13

paulmergel

( Posts: 15514 | Credits: )


so any suggestions??...if this company is using a shell address, does this mean anything? I have seen that emerald mkt is a PDL company that a lot of people in this forum have had run-ins with...same names pop up in every discussion..keith and jesse of emerald marketing...doesnt it seem a little fishy when they are asking for half of the loan amount back and they gurantee a paid in full on the account?


Submitted by rronei2 on Mon, 07/21/2008 - 14:21

rronei2

( Posts: 5 | Credits: )


seeing as that it is illegal you only owe what was borrowed.
i never saw in your first post if anything was paid.was there
even one debit for the interest debited.if so that should go
towards the principal.these people offer settlements hoping to
get your current bank info.


Submitted by paulmergel on Mon, 07/21/2008 - 14:25

paulmergel

( Posts: 15514 | Credits: )


send them an email if you have one for them,say you will pay
but need a physical address.don't mention the NV address.i can
practically guarantee they will say they don't have to or the
supposed verbal contract called for a bank acct and that is what they will accept.that is how all overseas pdl's work.they
can't really do anything except call you to death.


Submitted by paulmergel on Mon, 07/21/2008 - 14:38

paulmergel

( Posts: 15514 | Credits: )


That is the same address I was able to track down. In addition it showed and email address as well. I guess if we both have the same address, and it came from Corum himself, then it must be a legit address. I hope this helps those in need of this information and good luck with your litigation.


Submitted by llw1995 on Tue, 07/22/2008 - 12:17

llw1995

( Posts: 1422 | Credits: )


Are you pursuing them for unlawful practices or what if you dont mind me asking? I owe them $300.00 for the principle of the loan, but Im afraid if I send them this I wont recieve any kind of PIF letter and they will keep bothering me (emails every day threatening to prosecute me and take me to court)...any suggestions?


Submitted by on Wed, 07/23/2008 - 10:57

( Posts: 202330 | Credits: )


I am currently dealing with them, I know when they call I see these numbers appear on caller id under Missouri, 1-816-822-3676, 1-816-822-7773. They keep claiming they are located in Nevada, but I found this address as well, 7442 Wornall Road, Kansas City, Missouri. Apparently Corum, Roy Sousley and Jason Martin and the rest of them work in the same place. I'm very skeptical about where they are truly located because when I told them about the Missouri address they became defensive. I hope this can clarify some things but they are definitely not legit.


Submitted by on Wed, 07/30/2008 - 12:30

( Posts: 202330 | Credits: )


Jason,I have spoken with you on several occassions and you have been nothing but rude and luckily for me the last conversation I was able to record (the new smart phones do that now). You told me that at the end of the month a payment of $140.00 would need to be made. I tried to make that payment but you refused to let me speak to a supervisor or anyone else in your office and an angry hang up was my solution to the stress that you were causing me. The other thing is the dates that you have relayed to me do not match up. You told me that it would be transfered on the 16th of August. Today is only the 4th. Which date is it? I am awaiting the court papers as your company is not licensed nor is it legal in the state of Massachusetts and the only thing I can be held liable for is the principle owed. That, I am prepared to pay on the day of court. They will hear of the harrassment and stress you caused me and my unborn baby and see my doctors notes and also get to hear our last conversation. So please send the papers and send them first class so I can get to court and tell them my horror story.Thank you Lorraine

--- On Mon, 8/4/08, Jason [Emerald, LLC] wrote:

From: Jason [Emerald, LLC]
Subject:
To: [email]jasonm@emeraldmarketingllc.com[/email]
Date: Monday, August 4, 2008, 12:11 PM

As you know, I have informed you as of July that your account would be sent out of our office and you????????ve still either ignored the situation or have continuously made excuses as to why you couldn????????t get this matter resolved. Your account has now been turned over and you will have to retain legal council unless you contact me to make arrangements w/in the next week. If you have already been served papers, then this letter does not pertain to you because I can no longer help you once you have a date set to appear in court. I have tried repeatedly to help you get this matter resolved but I have to assume that you really didn????????t care about taking care of your responsibility. I am offering you a final deal to get this matter resolved because I am sure that you do not want to have your wages garnished for a payday loan. It????????s really not worth it but if you are willing to risk it, then that is your business. I can either set you up on a 3 month payment plan or an out of court settlement of 50%. This is my FINAL OFFER. Don????????t say that I didn????????t try to help you because everything is documented and all conversations have been recorded and will be used against you in this matter. If you have not been served yet, it will only be a matter of time before that happens. Once it does, there will be no negotiation because you????????ve had plenty of time to take care of this with our office but you chose not to take care of it. An insufficient funds check is not tolerable in any court. Good luck to you.





Jason Martin

Litigation Dept.

Emerald Marketing Group, LLC

[email]JasonM@EmeraldMarketingLLC.com[/email]

Phone: 1-(800)496-8958 Ext. 107

Fax...: 1-(800)496-3079


Submitted by on Mon, 08/04/2008 - 11:25

( Posts: 202330 | Credits: )


Jason,I have spoken with you on several occassions and you have been nothing but rude and luckily for me the last conversation I was able to record (the new smart phones do that now). You told me that at the end of the month a payment of $140.00 would need to be made. I tried to make that payment but you refused to let me speak to a supervisor or anyone else in your office and an angry hang up was my solution to the stress that you were causing me. The other thing is the dates that you have relayed to me do not match up. You told me that it would be transfered on the 16th of August. Today is only the 4th. Which date is it? I am awaiting the court papers as your company is not licensed nor is it legal in the state of Massachusetts and the only thing I can be held liable for is the principle owed. That, I am prepared to pay on the day of court. They will hear of the harrassment and stress you caused me and my unborn baby and see my doctors notes and also get to hear our last conversation. So please send the papers and send them first class so I can get to court and tell them my horror story.Thank you Lorraine

--- On Mon, 8/4/08, Jason [Emerald, LLC] wrote:

From: Jason [Emerald, LLC]
Subject:
To: [email]jasonm@emeraldmarketingllc.com[/email]
Date: Monday, August 4, 2008, 12:11 PM

As you know, I have informed you as of July that your account would be sent out of our office and you????????ve still either ignored the situation or have continuously made excuses as to why you couldn????????t get this matter resolved. Your account has now been turned over and you will have to retain legal council unless you contact me to make arrangements w/in the next week. If you have already been served papers, then this letter does not pertain to you because I can no longer help you once you have a date set to appear in court. I have tried repeatedly to help you get this matter resolved but I have to assume that you really didn????????t care about taking care of your responsibility. I am offering you a final deal to get this matter resolved because I am sure that you do not want to have your wages garnished for a payday loan. It????????s really not worth it but if you are willing to risk it, then that is your business. I can either set you up on a 3 month payment plan or an out of court settlement of 50%. This is my FINAL OFFER. Don????????t say that I didn????????t try to help you because everything is documented and all conversations have been recorded and will be used against you in this matter. If you have not been served yet, it will only be a matter of time before that happens. Once it does, there will be no negotiation because you????????ve had plenty of time to take care of this with our office but you chose not to take care of it. An insufficient funds check is not tolerable in any court. Good luck to you.





Jason Martin

Litigation Dept.

Emerald Marketing Group, LLC

[email]JasonM@EmeraldMarketingLLC.com[/email]

Phone: 1-(800)496-8958 Ext. 107

Fax...: 1-(800)496-3079


Submitted by on Mon, 08/04/2008 - 11:25

( Posts: 202330 | Credits: )


Jason,I have spoken with you on several occassions and you have been nothing but rude and luckily for me the last conversation I was able to record (the new smart phones do that now). You told me that at the end of the month a payment of $140.00 would need to be made. I tried to make that payment but you refused to let me speak to a supervisor or anyone else in your office and an angry hang up was my solution to the stress that you were causing me. The other thing is the dates that you have relayed to me do not match up. You told me that it would be transfered on the 16th of August. Today is only the 4th. Which date is it? I am awaiting the court papers as your company is not licensed nor is it legal in the state of Massachusetts and the only thing I can be held liable for is the principle owed. That, I am prepared to pay on the day of court. They will hear of the harrassment and stress you caused me and my unborn baby and see my doctors notes and also get to hear our last conversation. So please send the papers and send them first class so I can get to court and tell them my horror story.Thank you Lorraine

--- On Mon, 8/4/08, Jason [Emerald, LLC] wrote:

From: Jason [Emerald, LLC]
Subject:
To: [email]jasonm@emeraldmarketingllc.com[/email]
Date: Monday, August 4, 2008, 12:11 PM

As you know, I have informed you as of July that your account would be sent out of our office and you????????ve still either ignored the situation or have continuously made excuses as to why you couldn????????t get this matter resolved. Your account has now been turned over and you will have to retain legal council unless you contact me to make arrangements w/in the next week. If you have already been served papers, then this letter does not pertain to you because I can no longer help you once you have a date set to appear in court. I have tried repeatedly to help you get this matter resolved but I have to assume that you really didn????????t care about taking care of your responsibility. I am offering you a final deal to get this matter resolved because I am sure that you do not want to have your wages garnished for a payday loan. It????????s really not worth it but if you are willing to risk it, then that is your business. I can either set you up on a 3 month payment plan or an out of court settlement of 50%. This is my FINAL OFFER. Don????????t say that I didn????????t try to help you because everything is documented and all conversations have been recorded and will be used against you in this matter. If you have not been served yet, it will only be a matter of time before that happens. Once it does, there will be no negotiation because you????????ve had plenty of time to take care of this with our office but you chose not to take care of it. An insufficient funds check is not tolerable in any court. Good luck to you.





Jason Martin

Litigation Dept.

Emerald Marketing Group, LLC

[email]JasonM@EmeraldMarketingLLC.com[/email]

Phone: 1-(800)496-8958 Ext. 107

Fax...: 1-(800)496-3079


Submitted by on Mon, 08/04/2008 - 11:25

( Posts: 202330 | Credits: )


I got a call on my cellphone asking for one of my friends. So I called the number that they told me to call. I told them that they have the wrong phone number. Then they asked if i knew her and i said yeah she is my friend. I gave them her phone number. I asked if they could take me off there call list they said they couldnt do that unless my friend told them to. I just dont want them to call my cellphone all the time for someone else. I didnt know this is was a scam until i read about it on here. I just dont want to be in the middle of this problem thats not even mine.


Submitted by on Thu, 08/14/2008 - 08:57

( Posts: 202330 | Credits: )


I got the exact same email from "JASON". They are now threatening me with a lien on my home for the balance. if anyone has legal action pending, please contact me so I can start my legal action as well. Their company is illegal in CA and I've alread turned them and Shamrock over to the CA attorney general.


Submitted by on Fri, 08/22/2008 - 13:42

( Posts: 202330 | Credits: )


i am literally being harrassed by a very rude women named Mrs.Wright, wont give me her first name. she keeps threatening to serve me paperwork to go to court because i had insufficient funds to pay. she would not let me talk to anyone else and would not tell me where they were located. sounds really fishy to me! im not paying a dime!


Submitted by on Tue, 08/26/2008 - 08:38

( Posts: 202330 | Credits: )


I have been having the same problem with this company. Now, they are calling and threatining me at the work place.


Submitted by on Tue, 09/02/2008 - 07:23

( Posts: 202330 | Credits: )


Mrs. Wright is contacting me to!! She keep threatning leagal paperwork with a 28% fee increase. She is really rude.


Submitted by on Tue, 09/02/2008 - 07:25

( Posts: 202330 | Credits: )


I am also having trouble with this company. I did some research today and found numerous "companies" using the same address and suite number as Emerald Marketing. When I finally got ahold of someone at a company they said that many businesses are threw this suite number and they forwarded all mail to the companies. When I asked her where they are actually located she said she didnt know. My question also was well if you have to forward the mail to them then how do you not know their real address? She had no answer. Also if they are a business then they should have their own address. This is a HUGE red flag with sending money to them. Makes me uneasy.


Submitted by on Thu, 09/04/2008 - 08:37

( Posts: 202330 | Credits: )


I can't stand people crying because they borrowed money and aren't paying it back. What happened to being of your word? You people sit here saying They keep calling me and harassing me at my home and work yada yada. You don't see the companies crying about you not doing as agreed you see them taking action. Take some action yourself and pay your bills. boo hoo


Submitted by on Thu, 09/25/2008 - 06:25

( Posts: 202330 | Credits: )


oh boy another troll.you left your reeking trail of slime,now go harrass some people who haven't been to this site yet instead of looking like a fool to us who know all about you and your company.


Submitted by paulmergel on Thu, 09/25/2008 - 06:36

paulmergel

( Posts: 15514 | Credits: )


I have a loan with them too..I am dealing with Jason..they are threatening me that they are going to send my account to the DA office.I found them on the BBB website..they have a rap sheet a mile long. Their business id is 1086-0000072943. They are telling me that they will settle with a 268 payment when I borrowed 300.00 if not I have to pay 528.00..The BBB website shows the Nevada address..so who knows..I wonder the same thing..If I pay them off how do I know if I will get a PIF letter??


Submitted by on Thu, 09/25/2008 - 06:46

( Posts: 202330 | Credits: )


gal how much have you paid back total?if you paid 300.00 or more in fees you owe no more.on an illegal pdl you are only obligated to pay the principal borrowed nothing more.any fees or rollovers got towards that.


Submitted by paulmergel on Thu, 09/25/2008 - 06:51

paulmergel

( Posts: 15514 | Credits: )


i love hearing that.those two probably got terminated because there criminal threats were not working.bet you anything whoever takes there place will pick up right where they left off.


Submitted by paulmergel on Fri, 10/03/2008 - 10:48

paulmergel

( Posts: 15514 | Credits: )


we will see won't we.only time will tell.a place that is headquartered out of the country isn't just going to change.they are setting people up.i practically guarantee it.


Submitted by paulmergel on Fri, 10/03/2008 - 11:15

paulmergel

( Posts: 15514 | Credits: )


I dont know but maybe the company did not know this was going on and found out and did the right thing and stopped it. The other people i spoke to there have not been that way. I have been reading the past post and this is a recent thing, yeah they charge high fees and send annoying emails but I know they gave me a loan and i did not pay it for a while, and i am paying it back by doing a settlement in payments because i think personally that is the right thing to do.


Submitted by on Fri, 10/03/2008 - 12:14

( Posts: 202330 | Credits: )


WHEN YOU WERE PAYING MY COMPANY 60.00 EVERY TWO WEEKS YOU WERE ON A PAYMENT PLAN.THIS LOAN SHOULD OF NOT GO IN DEFAULT IT IS TO NEW.WHEN YOU GOT THIS LOAN YOU COULDN????????T AFFORD IT THEN NOW YOU WANT PAYMENTS.I WILL SETTLE THIS ACCT FOR 250.00 FOR THIS MONTH ONLY.YOU NEED TO SET IT UP BANK A BANK CREDIT CARD OR DEBIT CARD ONLY.OTHER WISE I CANT HELP YOU ANY MORE.YOU NEED TO CALL MY OFFICE TODAY OTHERWISE THE SETTLEMENT IS NULL AND VOIDED. Mrs.SOUSLEY
Attention:





I see you ignored my last message; I am letting you know this matter is not being taken lightly by my company. They want to proceed against you and I am trying to stop them. Your delinquent loan is still not paid; they are not going to wait any longer to get their funds on a voluntary basis. They are ready and willing to seek more aggressive actions to recover the funds promptly with or with out your involvement. I am letting you know as a courtesy that I am able to negotiate an out of court settlement on your behalf TODAY.



We do not have any time left if you want to avoid this matter from escalating and the additional cost and burdens associated with avoiding this matter any further.







You must call my office NOW if you want me to negotiate a settlement offer!!!!!









Respectfully,



EMG Litigation Dept.

1-800-496-8958


Submitted by on Thu, 10/09/2008 - 11:20

( Posts: 202330 | Credits: )


meiko,this is an overseas illegal pdl.if you paid back what you borrowed you owe them nothing.to quote my girl cannr,tell them to POUND SAND!!!!!!!!!!!!


Submitted by paulmergel on Thu, 10/09/2008 - 11:40

paulmergel

( Posts: 15514 | Credits: )


Do not use them, whatever you do. I also got a 300.00 loan from them. They debited my account every 2 weeks for over a year for over 1800.00. I never had any contact info to close the account, so I had to finally close my checking account. They still call me and it has been over a year!!!


Submitted by on Tue, 10/28/2008 - 05:53

( Posts: 202330 | Credits: )


I got emails from Jesse Corum also--I made a couple payments to them and then closed my account--because they were not taking money out when they were supposed to--which then caused checks to bounce. I couldn't afford to pay also--Frankly--I ignored his emails because he was so nasty--He eventually gave up. I have not noticed anything derogatory on my credit report also.


Submitted by on Mon, 11/17/2008 - 11:10

( Posts: 202330 | Credits: )


They just called me and told me that they were going to garnish my wages. I figured I'd better take care of it because I am a single parent and cannot afford to have my wages garnished. Can anyone give me additional information about these people?


Submitted by on Thu, 12/18/2008 - 08:52

( Posts: 202330 | Credits: )


So I just caught them in their lies. Is it Emerald or Shamrock???? Hmmmm couldnt tell. Like 3 diffrent ppl all the same place. Oh and they wanted to verfy with my bank too. i had my bank on the line and then the gal asked if I gave them permission to speak to the 3rd party and I said Ummmm no actually i just found out who they are and I dont want their business. So umm beware! Amazing just amazing!!


Submitted by on Mon, 02/09/2009 - 10:26

( Posts: 202330 | Credits: )


I also had a loan with them. I read this site and gained so much knowledge. I sent them the Cease and Desist letters asking them to only communicate via email. This didn't stop the calls but when they started to email me I simply asked for the lisence number and a copy of the contract for the debt. They would always respond but never provide what I asked for. I simply would reply the same way. I finally reported them to the BBB and received a notice that they closed my account and considered the account taken care of. It took persistance on my part but it worked.


Submitted by on Wed, 02/18/2009 - 09:59

( Posts: 202330 | Credits: )


I got a 300 loan from these people 2 1/2 years ago I dont even remember they say they deposited the money now they say they will garnish my wages is there any truth to this or are the trying to get me to pay I need information asap I gave my checking info to them they said they will close the account for 700.00 please help I am very desperate I cant afford a wage garnishe=ment?


Submitted by on Tue, 10/20/2009 - 13:34

( Posts: 202330 | Credits: )


this place can't garnish because they are not located in this country.they can try a wage assignment,but that is voluntary and revocable.i would cancel that payment.i wouldn't even talk to them as this is an illegal pdl.they will lie out of their backsides.i wouldn't doubt of you paid them back as anything debited goes toward the loan.do what you must to stop that payment.then give your HR person a WAGE ASSIGNMENT REVOCATION LETTER.then file FTC,and AG complaints against this bottomfeeder.700.00?my a$$.you only owed them the 300.00.


Submitted by paulmergel on Tue, 10/20/2009 - 13:58

paulmergel

( Posts: 15514 | Credits: )


It's just so stressfull and scarey when they threaten you with the word "fraud" in it!! I've been harrassed by these people for awhile now. It started at the beginning of the year and they stopped for a few months and now it's starting all over AGAIN!! I just do not know what to do?! Ignore them and wait for p-wk in the mail or call them and work out an arrangment??


Submitted by on Tue, 11/03/2009 - 14:56

( Posts: 202330 | Credits: )


Thank you! I will ignore the phone calls then! They actually just called my work again & asked my co-worker for the HR dept and also left a message for me with a docket # and told my co-worker that it was regarding: Shamrock (payday co) Great...how embarrassing for my co-worker to get all this info from "Mrs. Matthues"


Submitted by on Wed, 11/04/2009 - 14:35

( Posts: 202330 | Credits: )


We keep getting calls as well never had an email or anything. Our calls come from a 1866 number and the name Stephanie Rice a lady saying we have to pay off in 30 days or will be terminated and then threaten as well to take us to court and garnish our check


Submitted by on Mon, 03/22/2010 - 08:19

( Posts: 202330 | Credits: )