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Emerald Marketing-Is this company legit

Date: Mon, 07/21/2008 - 13:17
Submitted by rronei2 on Mon, 07/21/2008 - 13:17
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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]


I have the same problem I have a woman calling threatening to garnish my wages as well as my husbands (He wasn't even on the loan so, where they got any info on him I don't know) I didn't think they could give any info to anyone but, the person on the loan. I have filed a complaint with the Flrida state attorneys office as well as the florida office of financial regulations. They also told me that they are not lisenced at all. How can I stop the phone calls and the threats.


Submitted by on Fri, 04/23/2010 - 07:58

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i have the same problem now they are threatening me with wage garnishments and fraud saying i can never buy a car or get any loan again plus they know i just got an apartment and they are calling my friends and family whom i never gave them numbers to.......i am very worried they will ruin my credit and ruin me im only 22 ...helppp


Submitted by on Tue, 06/29/2010 - 21:35

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Quote:

Originally Posted by Anonymous
i have the same problem now they are threatening me with wage garnishments and fraud saying i can never buy a car or get any loan again plus they know i just got an apartment and they are calling my friends and family whom i never gave them numbers to.......i am very worried they will ruin my credit and ruin me im only 22 ...helppp

They aren't even located in the U.S., what they are telling you is all BS!


Submitted by Shazzers on Tue, 07/06/2010 - 19:37

Shazzers

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They have been harassing me about a loan they gave me 200.00 and saying I'm been sued for 1000.00 I asked for an adress to send them a payment and they will not give me an adress they say I have a week to pay the 1000.00 when i asked them to give me the adress she just continue to threat me about a law suit.


Submitted by on Mon, 08/09/2010 - 10:30

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Quote:

Originally Posted by Anonymous
They have been harassing me about a loan they gave me 200.00 and saying I'm been sued for 1000.00 I asked for an adress to send them a payment and they will not give me an adress they say I have a week to pay the 1000.00 when i asked them to give me the adress she just continue to threat me about a law suit.


that is complete bullsh*t.first if you were sued you would have been served and went to court.next this illegal ball of sh*t not even located in the US would have to have won.they are so full of it.chances are you paid back the 200.00 in illegal fees.i would file a police report for the calls.then file AG,and FTC complaints against this illegal bottomfeeding scuzz.then ignore them,stop talking to them.there was nothing done,and they can't done what they say or threaten.a complete waste of your time to engage them.


Submitted by paulmergel on Mon, 08/09/2010 - 18:03

paulmergel

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i have a question...i applied for a loan with emerald back on july 12 2010. the loan was for 200 with a 60 dollar fee. i paid the 60 dollar fee one time and my account was closed and reopened with a new one due to previous fraud activity on my account. they keep calling me and leaving me messages that they are in the finalization department and have an order ready to be filed in my county. the thing is i just went through my loan docs that they sent me when i got the loan and i do not see a voluntary wage assignment order. so if i do not have one, can they still garnish my wages? i have prepared a wage assignment revocation letter but do not want to send it yet until i find out if i signed a voluntary wage assignment order to begin with...help!


Submitted by on Tue, 09/14/2010 - 10:50

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have a question...i applied for a loan with emerald back on july 12 2010. the loan was for 200 with a 60 dollar fee. i paid the 60 dollar fee one time and my account was closed and reopened with a new one due to previous fraud activity on my account. they keep calling me and leaving me messages that they are in the finalization department and have an order ready to be filed in my county. the thing is i just went through my loan docs that they sent me when i got the loan and i do not see a voluntary wage assignment order. so if i do not have one, can they still garnish my wages? i have prepared a wage assignment revocation letter but do not want to send it yet until i find out if i signed a voluntary wage assignment order to begin with...help!


Submitted by on Tue, 09/14/2010 - 11:17

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I have also been threatened with garnishment proceedings. I work for an attorney and we are planning on pursuing legal action against them. There is currently a case pending in the State of Washington, Department Financial Institutions, Division of Consumer Services. The link is http://www.dfi.wa.gov/CS%20Orders/C-10-172-10-SC01.pdf if you would like to check it out for yourselves.


Submitted by on Tue, 10/26/2010 - 11:22

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They are not located in navada like they say, nor over seas... They are based out of kansas city, mo. The people that you mentioned, jesse c. And keith z. Are long time co-owners. They dupe people out of their money by telling them that hey dont charge intrest, that they just carge a flat finance fee of 30.00 on the hundred. And the most they will loan is 300.00. They also tell you that their system is set up to ach withdraw just the finance fee from your ccount, assuming that the finance fee is being applied to the loan amount its self....however they do not tell you that you pay thm that finance fee, sometimes 5-6 times over your loan amount, and the loan never goes down....i know all this information because i worked there in their collections dept. After giving a customer that ws having a rally rough time a break the fired me so im spilling the bean about them nd their practices. Emerald marketing now run tell dat.

Alvin h.


Submitted by on Wed, 10/24/2012 - 15:37

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