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

You need to send him a cease and desist letter...If you go to the "books" section of this website, you can download the free e-book of letters...You can use these as templates to send these people.

You can add to the Cease and Desist that Geneva Roth Ventures may contact you by mail, but not by telephone.

I did send Geneva Roth Ventures the letter that I got off this site and he called back and made more threats and told me to delete my orginial post or he was going to get me in trouble with my IT department. I really have no idea what to do at this point. I can pay the amount or I can pay other bills and buy food, but not both. I really need some advice on Geneva Roth Ventures. Thanks

Do you have any loan from Xpresscash?

It seems Geneva Roth Ventures is a collection agency; they are listed under the name Geneva Roth Ventures II, financial planning consultant.

Collection agency cannot threat you of arrest, cannot disclose your financial obligation to your employer or any third party. They can contact your employer only to verify your employment or contact information. By doing this they violate fdcpa laws-


ftc.gov/os/statutes/fdcpa/fdcpact.htm#804

That is what I thought. This guy was just a real pain and it scared me. After reading around on this site and getting infomation from other here, I feel better about what is going on. I have contacted T & C and will be taking care of this bill as well as others and if he calls again I will tell him to stop calling me at work. Thanks for the infomation

Please, before posting information on this site, be sure that you have the facts.

1. Geneva Roth Ventures is in no way a part of XpressCash. They once were but are now a completely separate entity.

2. Geneva Roth Ventures is an original creditor that does all of its own collections.

3. The Geneva Roth Ventures II that is mentioned above is not at all affiliated with the Geneva Roth Ventures that is being discussed in this forum. I too Googled Geneva Roth and came up with pages of companies with the same name that are in no way affiliated.

I realize that you are trying to perform a useful service here, but make sure that in the future, you are reporting facts.

Thank you,
Geneva Roth Ventures (the one that is being discussed here.)

Thanks for helping us reporting the facts and offering the proper information.

I also searched for Geneva Roth Ventures with BBB and got Geneva Roth Ventures II. I thought it is the second edition of the agency :lol:

Now it is clear that Geneva Roth Ventures is a collection agency that is not affiliated with any lender. So they MUST follow fdcpa rules, right? How they can threaten consumers this way? This is not right. What do you say, Guest?

Everyone is right here, Basbury. They have to obey their own set of rules. If they call you at work again after you've advised them not to, you can have your supervisor file a complaint against them. Or, you can just deafen them with the monotonous droning of the 3 key being held down!

Also, get to work on your cease comm and your dispute letters. Dispute all of the excess charges on the loan otherwise it will get out of hand.

Contact the attorney general of their state to report the harassment and unlawful collections tactic by Geneva Roth Ventures.

Finally, go to your nearest T&C consolidation company and they will help you. People here love T&C.

P.S. If you ever do hear from them, call their bluff and mention the fdcpa and the attorney general, and I guarantee they will run off with their tail between their legs.

All:

Maybe my earlier post was not clear enough for you. Geneva Roth Ventures is the original creditor. We were once a part of XpressCash but are no longer. Therefore, if you want to know about us, you would need to search the BBB for XpressCash (the one in Wilmington, DE) and no we are not members. fdcpa does not apply to Geneva Roth Ventures.

Thanks again,
Geneva Roth Ventures

I have already contacted t&c and they are sending me the paperwork to get started. I have not heard from them in a couple of days, so I guess we will have to wait and see. Thanks

Basbury, have you checked if Geneva Roth Ventures and T&C are licensed to do business in your state or not? Lenders require business license to lend money in the states of US. Which state do you belong to?

Basbury, did you borrow money from this particular company?

Good point carl, if either geneva roth ventures or express is not licensed in your state, the loan may be illegal and thus you should at a minimum be able to settle on an affordable amount.

Hey you! Just the facts! The fdcpa applies in ALL collections endeavors whether you want it to or not! Exactly where do you and this company get off threatening people with false charges that even you know are not true, and harassing people at work! These tactics are illegal, and even if your company is not a collection agency, it could still face liability for harassment!

You call your post Just the facts?!?! Come on! More like Just the False!

I do remember taking a loan with Geneva Roth Ventures...it was over the internet. I live in Wyoming. It so old that I don't remember the original amount or anything. I am going to send them a validation letter this afternoon and make sure I know what is going on.

I am still going to get things started with T & C, because I have other things that I really need to get taken care of and need the help.

I just want to say thanks to everyone on this site for info on Geneva Roth Ventures. You all have been a sanity saver and very, very helpful.

I am glad to know that I am not the only one that has made such a stupid mistake as to get involved with the payday loan cycle and to know that there is a light at the end of the tunnel. I know that is it going to take time, but I have nothing to lose anymore.

basbury,

Since you are from the state of Wyoming, please go through this document. This is very very informative. Don't forget to read the attachment section at the end of the document.

http://legisweb.state.wy.us/PubResearch/2005/05IB011.pdf

Ari, you might help me remember on this one...isn't the stat on loans in WY 8 years? I know one of those northwestern states has a long statute. I think it's WY, but I could be wrong.
YES...send the validation letter. Find out when you last paid on it.
DO NOT tolerate calls to your place of employment. Send them the C&D letter, and if they call again, as stated before, call their bluff. The key is sounding confident. I say that alot, but it is true. Most collection agencies these days still train their collectors to deal with the debtor as though they know nothing, and that "internet educated" debtors still don't know what is going on. Firmly tell them that you know your rights, and you know that they are breaking the law. It will scare the pants off them for sure.
One thing that you could try is if Geneva Roth Ventures call, upon identifying themselves, tell them that the call is being recorded by your company. More than likely, they will just hang up. Collectors DO NOT want to be recorded!

Entity Name Entity Number Status
GENEVA ROTH CORP. C19386-2000 Active
GENEVA ROTH HOLDING, CORPORATION C13809-1992 Active
GENEVA ROTHCHILD, LTD. C27927-1999 Permanently Revoked
GENEVA ROTHSCHILD, LLC E0041512005-9 Revoked

Hope this helps

They can't do anything to you unless you let them. Give them a chuckle and hang up when they try to talk to you.

Quote:

What he means is that you as the debtor have the right to negotiation. If you don't want to, don't take their calls. Just mail in as much as you can squeeze very month for payments and no matter what they say, they can't make good on any threat to litigate since you would be making regular remunerations.

Also, get to work on both a cease comm and a letter of dispute on whatever interest and/or penalties seem outlandish. Remember that interest and penalties are a percentage, not an exponent. Look over the amount on the collection letter and compare it to the exact original amount.

Quote:

Did you check out the interview of 1000% interest? That's the very definition of extortion.

Basbury,

I got a call from this same company today and they said the same threats to me. I called my lawyer on them and they got really scared and was asking me to get my lawyer off their backs. The asked to speak to supervisor and he said that since they were told not to call anymore. My job is going to get my telephone log and show how they were bothering me on my job. They told me that they were going to tell my boss that I was a fraud, liar and dishonest. My lawyer told me not to worry about them and they will take care of it.

Right on. They can't tell your boss jack squat unless they want to be dragged into a courtroom for violating the fdcpa. Keke, I have no idea which compnay you were dealing with, but their behavior makes them a vast empire of stupidity.

I received a phone call @ my place of employment on May 3, 2006. A message was left on my voicemail from a Tom Johnson stating he was from the office of "attorney" Trent Bradley. I returned the phone call. They answered the phone saying only "customer service". I asked for extension 247 as per their message. This Trent Bradley answered the phone and the very first thing he said was "have you ever been convicted of a felony?"...still not knowing what this phone call was about I told him no. He said "well you're about to be". He told me he had 2 complaints from his "client"....fraud & embezzlement. In 2004, in a financial crisis, I got sucked into the payday loan cycle...I would have to take out another loan just to pay back another, eventually w/ fees, etc I was drowning and didn't know what to do. My bank closed my account because there were so many payday loan companies hitting the account with their fees and repayments of loans. Ultimately my husband & I rejoined our finances and have been able to pay everything back, and we deal with collectors as they call to resolve any debt that I may not have remembered. He is VERY responsible with money but I was not, I'm learning and getting smarter every day. However, when I initially spoke to "Mr. Bradley" he threatened me with being arrested at my place of employment, charges of fraud and embezzlement, belittled me by calling me a thief and a liar (after I explained my situation to him and told him that I was confident these loans from 2 years ago had been repaid). He told me they had mailed letters, called my home and work but the first call I received at work was that day and I returned the call promptly. I also do not recall (and neither does my husband) getting anything by mail or any phone calls at home. And like I said, we have been very conscientious about getting any of these debts paid off as we find out about them. My original loan was for $200 but was offering me a "settlement" of $1860. He said that what I actually owed was nearly "twice that amount". For a $200 loan? I was so nervous I was ready to do just about anything to keep from the police showing up at my job. He emailed me a debit/credit card authorization form and I filled it out and faxed it back as my husband was out of town and I couldn't reach him. Oh by the way, Mr. Bradley told me that I had 34 minutes to resolve this debt or the police would be at my office by 1 pm that day. Mr. Bradley called me shortly thereafter (in the meantime I had been able to get a hold of my husband and gave him this guy's name & #), telling me I needed to send him a copy of my driver's license because they run all of their payments through PayPal. I asked if he had spoken to my husband and he said "he's on my other line"....I simply told him that my husband wanted to speak to him and understand what is going on before we proceed w/ anything else. He told me that he was going to shred my request and we were done with any further conversation and he would just proceed with legal action. All afternoon Mr. Bradley, my husband and I went round and round with this man who was very erratic and frantic with all of the communication. He continued to impose deadlines....telling us we needed to pay by this time and that time...blah blah blah. We repeatedly asked for some kind of documentation regarding this loan, he kept telling us he had it right there (acting like he was flipping through papers) but that he did not have to provide that. Finally after hours of emails and phone calls he faxed the paperwork to my office (I did not give him the fax #, I specifically asked him to email it to me) to my office with NO cover letter, no phone call telling me it was forthcoming, and it included a signed loan contracted with totally illegible fine print...so small it looked smeared and absolutely could not be read....this fax also included my bank statement, a voided check and a pay stub. So needless to say I'm sure everyone in the office saw it because I had already left for the day (it was 4:30 pm). He then called the receptionist at my office and demanded that she have me paged, he called my office manager demanding that she go retrieve the paperwork and page me, then he called my husband telling him that I left work and am trying to "skip town". Mr. Bradley also told him "do you even know your wife? Are you actually married? She's a thief and a liar..." This type of comment was repeated several times during the course of the day in one form or another. My husband went to my office to pick up the paperwork, called Mr. Bradley and said that we needed to go over it and we would get back to him the next business day. He told my husband that we were done with this and he was going to pursue illegal action, that he was going to make an example out of me, he was going to make sure I was fired the next day at work and that the police would be there first thing in the morning to arrest me. When we got home from work we called a friend of ours that is the Chief Magistrate in the City of Richmond and her husband is an attorney. Here's what I found out. Police do NOT go to someone's place of employment to "collect on a debt". If they wanted to take out a warrant in debt for me they would have to come to the police department (or have someone locally do it)in person, with proof, and sign all of the paperwork. I also found out that this particular matter is a "civil matter", not criminal. Apparently it's contract law and that's civil, not criminal. It's illegal to threat criminal charges for a civil matter. I filed a police report and the detective told me that these people go away eventually and that their contracts are so marginal that they never hold up in a court of law. He said if it was a legitimate debt that the company would pursue legitimate means to collect. He cautioned me that these payday loan companies communicate with each other and it's possible that they are just circulating this paperwork. Interestingly NOWHERE on this paperwork that they faxed me did it have a company name. It said 'Loan Shop Online' at the top but when reading what little of the language that waa legible we couldn't find anything at all with the Geneva Roth name or anything else....so it seems fishy to say the least. For all I know, this debt could have been paid off 2 years ago like I believe it had been. I haven't gotten to the point of getting bank records from that time period since I've changed banks. Last but not least, this gentleman representing himself as 'Attorney Trent Bradley' cannot be located anywhere as an attorney. I've searched on martindale.com which is where you can get information on any attorney in the country. I also tried to see if he had a different first name and maybe Trent was his middle name....still no luck. According to our friend that's an attorney, it's a federal offense to impersonate an attorney. We are still in the process of gathering all the information and are considering filing suit. I've filed a complaint with the FTC, FDCP (and I'm well aware they "say" they don't have to follow these guidelines but I'm filing the complaint anyway), the Economic Crime Division in both his state (Kansas/Missouri) and the Commonwealth of Virginia where I live and also the Attorney General's office in his state. This is predatory lending, usery and lots of other unfair practices. These people are nothing but loan sharks preying on people who obviously don't have much to begin with and in a financial harship for any number of reasons. I think everyone that has been involved in this needs to file these complaints, it will take a while but my hope is that this type of organization will be shut down. I don't believe anyone at all has benefitted from loan sharking, except maybe the sharks themselves. It's dirty and dishonest and it needs to be stopped!!

As if the above post wasn't long enough...I forgot to mention that we offered to pay the $200 loan plus REASONABLE interest/fees and Mr. Bradley declined saying that it was more advantageous for his client to pursue "legal options" because what they really want is for me to have a "public record". In retrospect I doubt I even owe the loan as I am quite confident I paid these things back 2 years ago and this story seems to follow the pattern of everyone else's complaints. When you sit back and think about all of the things he said they are more than unrealistic.

Hi charlottebegonia

Finally, you were able to realize the fact that the collector was making an illegal collection attempt on you. Remember, you didn't need to go that far. Under the fdcpa laws, the collection agencies must validate the debt accounts for which they attempt collections. If this person had any of your past accounts, he must have given the details in writing. He is no exception to the federal laws. You should have sent a certified debt validation letter with return receipt requested and wait for his response. Until this time, the law will not force you to make the payment on an unknown debt. Collectors try to make illegal money using these sorts of scary tactics.

Quote:

thanks for your response....upon further reading of the fine print i have found even MORE inconsistencies. i'm not going to type another long post like yesterday :) i'm not certain whether i should send this debt validation letter at this point or if i should just sit tight and let our attorney friend handle anything else that comes up. the detective that took my police report said that the conditions of these payday loans are so "bizarre & marginal" that they don't hold up in court at all. the attorney and his wife the magistrate agreed 100%. fortunately we live in a good town with good friends, we both have good jobs, a nice home, great child but i made some financial mistakes and have done my best to resolve them. anyone could find themselves in this position so hopefully this information will be useful to someone else.

Hi charlottebegonia

You must check your credit report and see if this account is there in your credit report. It should be shown as paid in your file. If not, put it on dispute with the credit bureau and they will get the item verified with the original company. Your credit is an important and prestigious document and it should depict your actual financial status.

Whoa! Everything Charlotte just detailed takes everything "Just the Facts" posted and blew it to Kingdom Come. It's so funny, Just the Facts came in here all righteous defending his company, then we read what is going on with Charlotte, and it just proves what I said earlier, that he needs to change his name to "Just the False".

Charlotte, they are a buch of lying, money-grubbing charlatans, and nothing they tell you is to be taken at face value, becaue none it can be legally, feasibly done.

carl, i pulled a credit report about 1 week prior to the "incident" w/ Geneva Roth Ventures and there was absolutely NOTHING on there with that name or the LONG list of other names i have found....for example...the heading on the loan documents he faxed me said "Loan Shop Online", the stamp at the very top that shows where it was faxed from said "E-Paydaynow.com", his email address is "tbradley@loanpointusa" and the credit/debit authorization that he faxed me to pay this $1860 settlement for a $200 loan said "Geneva Roth Ventures". since it appeared that he faxed me the loan documents in question from "E-Paydaynow.com" i entered that web address and came up with a phone #, I called it and the recording actually said "you've reached E-Paydaynow.com...blah blah blah".....but when I call the #'s that this Trent Bradley gives me all they say is "customer service"....my husband tried to ask what type of business they were and some other questions and they would NOT answer any of them, they would dodge the question by transferring him here or there. everything is just so suspicious. does anyone know how i could find out if they are licensed in my state for a payday loan type of business?

in addition, i told Mr. Bradley that i routinely check my credit report so that i can stay on top of my financial situation but that i had NOT seen anything from Geneva Roth or any of the other names they appear to go by....furthermore there is nothing on there from any payday loan company.....he told me that they did not put anything on your credit report until you were "prosecuted"...

Hi charlottebegonia

Dispute with the credit bureau highlighting the item and request an investigation with Geneva Roth. Under the FCRA laws, no companies should report inaccurate information in the credit file. If negative information has been re-entered in the file, it must have legitimate reasons.

You can send letters to the collection agency as well as the payday loan companies requesting for details about the accounts. You must have this correspondence through certified mail with return receipt requested so that records are there to prove it in the court.

I can relate to your circumstances with this company because it happened to me a few weeks ago. I had another guy continously call me at work with the same threats and wanting to talk to my boss. Well, I told him not to call me at work and I had a cease and desist order in place with this company. They were also receiving payments through a debt consolidation company. I too was called an embezzler. He did get ahold of my boss but he didn't disclose any information. I explained the situation to my boss and he was very understanding. So, I had been speaking with someone else there and I received an e-mail apologizing for the situation. I would check with your bank commissioner's office to see if they are licensed in your state. I seriously doubt it and Virginia has tough laws against these type of loan sharks. You could ask Virginia Legal Defense because he is an actual lawyer in Virginia and knows the laws rather well :-)

The Monday after I entered my first post on this website I got an email from this Trent Bradley guy telling me that "Geneva Roth" noticed my posting. He went on to tell me that everything I had written was "full of fiction" and that instead of paying my debt I had chosen to come to a "soap opera website for people who don't pay their bills". His last line was "this will be paid with or without your cooperation". First of all....what legitimate debtor has the time or the interest to sit there on the internet and look for message boards where people are giving negative information about him. Although I am not convinced that I owe this debt my husband and I did offer to pay the principal balance plus a reasonable fee or interest......he wouldn't even acknowledge that. There is no way we were going to pay $1800+ for a $200 loan. I didn't even respond to the email upon the advice of our attorney friend. I printed it out and put it in my file. Our attorney suggested that I just hold on to that information and if I receive a subpoena to court or something of that nature we will gladly go to court. If they can prove it to a judge that I owe this money I'll pay it but the laws in Virginia are so tight with regard to this type of loan that the most I will have to pay will be in the neighborhood of $300-350 and that is considerably less than the $1800 this company wants. I am posting this information so that it may help someone else. I know it sounds cliche but knowledge IS power.

I really don't understand what fun they get by harassing consumers this way. See the Freedom of Speech post in Stanley's blog. The same thing has happened with many others in past too.

I am experiencing the same thing with them. I work in Accounting and they are threatening to contact my employer and have left over 10 messages for my boss. They are trying to tell them that if I stole from them then I will still from anyone. I am glad I am not the only one who is experiencing this from them.

I really recommed you get some advice from an attorney, doing this really put my mind at ease. They can let you know what is allowed and what isn't. These people can tell you they don't have to go by certain rules BUT that is absolutely incorrect. Most attorney's will not charge you for the initial consultation. Fortunately my attorney is an acquaintance of ours and very helpful. My attorney had me open a seperate savings account with a notarized letter stating that it was for the purpose of repaying this debt should it prove to be valid. I opened the account with an amount determined by my attorney....it was the principal + 18% which is the MAXIMUM that would have to be paid back. In the Commonwealth of Va it doesn't matter how old the debt is the max they can collect is 18% interest. "Fee's" are not allowed, it has to be an interest rate. There are lots of other little things like that and it's very helpful to know. I'm sure I will receive another harassing email after they read this post but it will be printed out and put in my file as per my attorney's advice. He also told me to save any harassing voice messages I may get.

Rebecca West loan officer

What does that mean? I have spoken with her before and she was really helpful. Also, I believe she is the manager there and not a loan officer.

She is the operations manager there and wonderful to deal with. She is a breath of fresh air in the pdl industry.

Every dark gloomy storm cloud does have a silver lining I suppose!

She has been about the only person in the pdl that I have dealt with who hasn't treated me like crap for trying to do the right thing.

It's nice to know there some good ones out there in the pdl industry. I know there are people here who have worked very hard to get their debts under control and it's nice to know there are people out there willing to help others.

I just spoke to a Representative in regards to my account that I had $300.00 Cash Advance... and the Company has been taken $90.00 every 2WEEKS... for the past 1 1/2 years. So, I called and spoke to a Elisha @ 800-351-8820... she stated that since I have been paying on this account for 1 1/2 years..she would send me a PAID IN FULL letter... via E-mail... Glad to be done with this Debt...

Your account Loan ID: XXXX0 has been marked Paid In Full. There will be no more debits on your account from our company Geneva Roth Ventures.



Thank you,


Alicia Carmier
Floor Manager
Loan Point USA
1-800-351-8820
1-800-351-8830 Fax
acarmier @loanpointusa.com

Here a Good Contact person... Good LUCK>>>
:lol:

That's really nice to have your account marked as paid. Keep this mail in your records file.

smrt,

Thanks for sharing the good news with us :wink:

I was just reading your information on Geneva Roth and I just got a loan from them a few days ago. Im in the process of putting all debts into consolidation. Does anyone ever got a loan from any one of those places I have in the subject heading. GFS is a British Company but im trying to find a address so i can pass the info along to this lady im trying to work with on getting my loans consolidated before my next pay. Same info applies to OCC.com as well. Any info would be appreciated. THX

I forgot to log in lol.

I just received a call at work from this company regarding a loan of $200 that supposedly is now up to $1,150. I had no idea who they were. They stated that I applied for a loan over the internet with their client and that the person calling was from their fraud/embezzlement department. What does this mean?