i invested $10, 00.00 with these people with the guarantee within 6 months i would be receiving $1, 000.00 to $2, 500.00 per month residual income. i have not received i nickel and cannot contact them.

OSC LLC.
Posted: 2010-03-09 by oh_yeah

SCAM
Complaint Rating: 88 % with 8 votes
Company information:
OSC LLC.
Phoenix, Arizona
United States

IF ANYONE HAS BEEN CONTACTED MY CORE PAYMENT SOLUTIONS or D.W. SCOTT FINANCIAL, PLEASE READ THE FOLLOWING!
or anyone whos heard of them, or of Merchant Referral Solutions or Bank Card Empire!

Hello everyone, I deleted this post originally the day after I quit because the company I was working for was going to fire the person who recruited me in for posting it. I’m reposting it since this has become a useful tool for some people. Comment me if you would like, I can only tell you what I know nothing more. This is also not me bad mouthing a company for no reason; from the beginning of my work experience there….things did not seem legit. If you decide to buy and advertise with this company, that is solely your choice. I am just trying to help people understand that things may not at all be as it sounds or appears to you. And apparently someone told me that when they were called by Deluxe Marketing Group they were forwarded to the Core Payment Solutions website, this is why I think that’s their new name.

On March 4th, 2010 I quit my job at OSC LLC. This company goes by many names; Core Payment Solutions, Merchant Referral Solutions, Bank Card Empire, and also D.W. Scott Financial. The first 3 business names are all the same company; they change their name once people have caught on that they are fraudulent. I have been working for this company since October of 2009. The reason for my quitting is that I felt uncomfortable working there for sexual harassment that taking place, by the way the fake name that I was told and agreed to use was AMY BRADSHAW. My last day, my boss (Luke Rose also known as JOHN FICHER/FISHER, BOB WALSH, or JEFF DAVIS) made it very clear that I was not welcome working there unless I wanted to have sexual relations with him. What many people do not know about him is that he went to jail for 2 years before being employed at this company for drug charges, and this is what I was told directly by him. He gets paid off the money he convinces people to give the company for marketing their credit card machine business. PEOPLE PLEASE LISTEN!!! If you give anyone from this company your credit card information for the promise of receiving thousands of dollars within the next 12 months YOU WILL BE BROKE AND A FOOL! The money does not go to your marketing. It will supply this company with the capital it needs in order to run their fraudulent telemarketing company and LUKE ROSE or any other "marketing coach" will be paid percentages of that money (which is anywhere from $1000 - $30, 000). I was being paid cash $300 for setting up appointments for him to discuss these matters with the clients who were contacted by telephone a week before. They have 'marketing campaigns' that they say they are going to run for you to maximize the profits you’ll make with the company. They say you will have; Radio, Television, E-mail spams, and Telemarketing hours dedicated to your profit. They SAY they can only guarantee that they can set up 1% of the business’s that they come into contact with, since many businesses are under contracts that they cannot get out of. Luke Rose the reloader or marketing coach, whatever you want to call him personally told me that the money people put into this company doesn’t go anywhere but to pay for the light/water/upkeep bills for their location at 4240 N 19th Ave Phoenix, Arizona 85015 and it also pays management and of course the person you were lied to by gets a portion of the earnings. Also, you may or may not believe me BUT this company brings in HUNDREDS OF THOUSANDS OF DOLLARS each week. Luke Rose himself has brought in as much as $70, 000 in just one week alone.

PLEASE IF YOU WANT ANY MORE INFORMATION, given that my fingers could go on for quit a while with all the information I have gained since working here PLEASE TELL ME YOU'D LIKE TO SPEAK and I will do all I can to provide you with the information on how they go about doing what they do, give you the personal information of some of the people who work there, or to just let you know what you’re getting into before you decide.

The company may already have thoughts that I will and/or tell people what’s going on there, many are previous criminals themselves and have been doing this for years. These people don’t care what you say to them, if you don’t give your money to them they will fight you verbally but in the end they will move on to the next victim. THEY TARGET NICE PEOPLE WHO ARE GULLIBLE or ELDER (please family's keep tabs on your mothers and fathers who may be easily drawn in with a good sales pitch) ALL THEY WORK FOR IS MONEY, they don’t have to worry about anything else because they’re company pays top dollar for lawyers.

IF YOU ARE AN ATTORNEY or KNOW AN ATTORNEY and want to take action PLEASE LET ME KNOW, I will do all I can to help you stop this from happening. I will be honest I just finished High School last year and I am still a pea in the pod right now. I don’t know any lawyers and I don’t know anyone who does, if you do I personally would want you to bring these places down. People max out their credit lines to help themselves with this company, which is just a false hope to them.

If you have already given your money to them, I am greatly sorry for being a part of this! If you remember my fake name as AMY BRADSHAW or ELA GREEN, I will understand your anger and pain for me to help these people in what they are doing. I am willing to testify for the greater good of everyone.

I received a call from Bankcard Empire and purchased their business along with spending $1000 for the call blast with a promise that I would receive double that amount within the first two to three months. Each time I would call to check on the account I was given the run around. Never could speak back with the so called coach who set me up on the call blast system. Almost a year has pasted and I have lost $1250 and have yet to receive a dime, phone call, or letter from Bankcard empire. This is one business that should not be touched.

Check out this website for answer to Bankcard Empire/Edgemont Productions business actions. http://abclocal.go.com/kgo/story?section=news/7_on_your_side&id=7238520

I called my credit card company for a charge back in regards to BankCard Empire. Reason code - they promised me income and services that I didn't receive. I have since learned that
Merchant Referral Solutions aka
Maximum Business Concepts used to be
Bankcard Empire which has numerous (in the hundreds) complaints against it and was told to “cease and desist” their business practices by the State of Illinois.

I called BankCard Empire in regards to a charge they made on my credit card for $xxxx. I was pressured into buying a marketing package. They claimed that their services were for “Advertising, 3500 direct telephone calls and 3500 emails and a personal website that would drive traffic to my personal website” and that I was guaranteed to produce customers for my personal business with Bankcard Empire.

BankCard Empire and Maximum Business Concepts told me that by investing $xxxx in their company (Bankcard Empire) I would realize a return of up to $35, 000 within 2 months, plus for an extra $500 I would be given a Web Site so I could monitor my earnings. The money would be generated by calls and emails that would be made on my behalf by them. When I saw no action I filed a complaint with the BBB. The response I get from them is; it takes six months for the program to complete and if at that time I made no money then they will reinstate it for another six months.

After trying to get more details and being tossed from representative to representative, I found out that they really only offer “credit card, check processing and merchant financing services”. That is NOT what they informed me that they were offering.

During my telephone call I asked for them to cancel their service and refund my $xxxx.
I received absolutely nothing in return for my $xxxx, except a packet containing an invoice and a 1099 form, along with some information about the “business opportunity” we had “invested” in. I told MRS representatives I was not interested in this business, at which point I heard “no refund” and was hung up on.

Absolutely nothing promised was provided for me, and Bankcard Services provided false or unsubstantiated claims in advertisement and also a false contract. I also claim that the sales presentation misrepresented the service, their sales presentation used dishonest sales practices and they used high-pressure methods.

I am also claiming that Bankcard Empire failed to provide promised assistance or support for products or services. They also failed to honor their money-back guarantee.

I was told that I could not cancel my service, and that I would not win with my credit card company. I asked if this was a threat, the representative said, no, it’s a promise.

The FTC *requires* a financial “disclosure statement” be provided to potential investors/business owners, along with the names of at least ten people and their earnings, ten days before a contract may be entered into. This was also not provided.

They got my name as a lead from somewhere indicating that I want to own a business or make money from home. They have several reseller companies some of which as far as I can tell are Universal Business Solutions, AIG Promotions, HBO Media, Edgemont Productions, etc. In their initial sales call to me they told me that if I spent $xxxx that I would make $2, 000 per month forever and would turn a profit on the original $xxxx within 2-3 months. This is FRAUD. They know perfectly well that this won't happen. If it did, they would spend their OWN $xxxx and not MY $xxxx to turn their own profit in 2-3 months. I asked them what percentages of people who buy make a profit. They continually deflected the question.

Based on BBB files, BankCard Empire has a BBB Rating of F on a scale from A+ to F. Reasons for this F rating include:

BBB concerns with the industry in which this business operates
Length of time business has been operating
354 complaints filed against business
5 complaints filed against business that were not resolved
7 serious complaints filed against business

Complaints filed by consumers through the Better Business Bureau allege refund and sales practices. According to information in BBB files, customers purchased a business opportunity for $100 to $500 plus an additional $19.95 per month for a personal website. Customers indicate that after the product was purchased, they were then contacted by affiliates of Bankcard Empire and were offered advertising campaigns for costs up to $60, 000. Bankcard Empire typically responds to complaints by stating they are not responsible their affiliates' actions and that Bankcard Empire and their affiliate’s charges are non-refundable.


Based on BBB files, Merchant Referral Solutions has a BBB Rating of F on a scale from A+ to F. Reasons for this F rating include:

BBB concerns with the industry in which this business operates
Length of time business has been operating
42 complaints filed against business
2 complaints filed against business that were not resolved
4 serious complaints filed against business


Based on BBB files, Maximum Business Concepts has a BBB Rating of F on a scale from A+ to F. Reasons for this F rating include:

BBB concerns with the industry in which this business operates
Length of time business has been operating
Complaints filed by consumers allege refund and sales practices. According to information in BBB files, customers purchased a business opportunity for $150 to $500 plus an additional $19.95 per month for a personal website. Customers indicate that after the product was purchased, they were then contacted by affiliates of Merchant Referral Solutions (MRS) and were offered advertising campaigns for costs up to $35, 000. MRS typically responds to complaints by stating they are not responsible for refunding their affiliates' charges and that Merchant Referral Solutions charges are non-refundable.

I am requested and received a charge back of my entire payment of $xxxx for the reasons stated above from my credit card company.