Appears to be just starting up, but complaints of theft are ramping up quickly. All complaints report victims have no clue who this is. Amounts are consistent with a "membership" cramming scam. Name is new "Zeal Money Solution". Phone number only reaches endless "on hold" wiating; no reports of reaching an actual person. Name and lack of any information from victims on being contacted by the "company" is consistent with a stolen account number cramming and bank theft racket.
The business states that for the security and privacy all 1st time applicants must have a Membership. There is an activation fee of 29.95 for the account which is deducted from the bank account provided and comes with a Warranty of Service. The Warranty of Service states if the business is unable to provide the monies requested the One-Time activation fee is waived."
Complaints allege that the business charged their bank account without their knowledge.
On the businesses website under terms and conditions it states "You agree to allow ZealMoneySolutions.com to charge a $29.95 (twenty-nine dollars and ninety-five cents) ach (sic)charge to your account for financial services including a membership center and loan specialist. This Agreement may be amended at any time by us from time to time without specific notice to you."
Consumers should beware of popup boxes or other such information after entering in financial information.
Additional Information BBB file opened: 05/10/2012 Business started: 04/25/2012 Type of Entity Limited Liability Company
Contact Information Principal: Mr. Adam Bronson (Owner) Business Category Financial Consultants - No License Required, Work-At-Home Companies, Advance Fee Brokers, Business Services - General
Products & Services This company offers, for a fee to help you connect with a financial institution for a loan and other offers other financial services.
Alternate Business Names My Cash Guardian, My Money Leaf, My Money Toolbox, Zeal Money Solutions ..."
I've checked out all of these companies and they are just fronts, we need to find out who is really behind this. I have some friends and I'm going to go some digging...
i have called extensively and gave all reps i talked to a big sob story to get info they shouldn't have given me. they have accounts that transfer from bank of deleware to bank of california to an offshore account that could not be identified. good luck trying to get our money back.
i had never even heard of any of these companies until i contacted my bank about withdrawls from my account by 3 of these companies within a 5 day period . I have never applied for a loan online or from any of these companies , so can someone tell me how they got my info
It appears from most complaints that report it that they are running through charges using the ACH system. This requires that they have a bank routing and account number to submit the charge, but unlike debit or credit card charges, there is no requirement for any expiration date, and so nothing prevents them from just entering a valid bank account number and making charges, once they have the account number..
Their pretense for charging is supposedly that consumers have applied on some online loan site, submitting their account information. Supposedly the terms contain some "authorization" for the charges, as a "monthly membership fee".
This same type of scam has shown up connected to clusters of front companies in both the Las Vegas NV and Scottsdale AZ areas.
Other cramming scams more often use the pretense of some "discount membership club", that consumers are alleged to have "agreed" to when ordering some product, either online or by phone. These often show up connected with products "advertized on TV", often through infomercials. They are also often connected to overhyped "vitamin supplement" or other "health product" sales.
If you have never provided your account number on their own site, or on any online loan site, then they may be getting account information from some shady merchant illegally selling account numbers possibly obtained from check payments or checking account debit authorizations. This is not unheard of, as it has periodically shown up in connection with fraudulent magazine subscription telemarketing.
Since they are probably getting account numbers somewhere, and possibly not just from online loan applications, let's look at the other possibilities.
Have you recently provided your checking account number to make an online or phone purchase?
Have you recently ordered from the types of businesses listed above, that are commonly associated with cramming scams?
What are the smarmiest companies you have recently ordered from?
0
PK
Had this happen to me about a week ago. Called Zeal, got this person who clained I signed up for a payday loan (which I didn't). Told me they would get back to me in 7 days. Called my bank,they are looking into it and filed a compliant to the BB. Last week I received an email from a person who told me they were working on my refund. Strange they had a GMail address. When I questioned why if they worked for Zeal, was his email address a Gmail and not from company. I told him I reported Zeal to the BB, my bank, and was in the process of submitting a complaint to the CA Attorney General Office. Well I haven't heard from this person with his Gmail address since. Oh, Zeal also claims that they can't find anything with my name or email address.
0
pk
| 3 replies
Addition to my comment above. At first I thought Zeal used my debt card which is attached to my checking account. The bank told me the transaction was done using my checking account number and routing number, which they obtained somehow, since I didn't apply for anything. I closed out the account.
At this point, all consumer complaints that have reported that detail appear to be reporting charges by ACH, using checking account and routing numbers.
That would entirely bypass any of the required checking incorporated into use of debit or credit card numbers, such as expiration date, or even optional checks that normal merchants do to avoid errors or fraud, like name and address, or CCV number.
There is one complaint consistent with their pretending the victim's name was supposedly in their system, when it couldn't have been.
Consumer complaints are consistently void of any mention of any prior telemarketing contact. Allegedly, these charges are from some "online book purchase", but there is at least one consumer complaint of a charge against an elder person with no computer.
That complaint information pattern is consistent with cramming charges through against raw checking and routing numbers, either from an unknown source, or randomly.
Correction: above analysis is for another complaint thread.
"Zeal" appears to be running some "loan application" website, then cramming charges against checking accounts obtained from consumers applications, claiming they "agreed" to some monthly "membership fee".
Numerous consumer complaints report they have no idea who they are, and were not expecting any such charge. BBB report rates them "F".
Cramming scams typically layer and separate the website entity, that may be using deceptive webpages with obscured disclosures, from the membership charging entity, for "plausible deniability".
Have you had any contact with any online "loan application" site? Did you provide your checking account number to it? If so, what was the URL?
0
pk
Just a follow up. to my 7/18 message. The reversal showed in my account today. My bank took care of it. Got my money back from Zeal.
0
Buzz
They tried to pull out 29.95 out of my accout tody and lets just they wont be getting anything out of me cuz i filled out a dispurte form and the money never left my account.
0
tj
Be sure to block your card number or shut down your account to prevent further fraud.
0
Jessica
I would really like to know how these people get your routing number and your account number. This is the second time we have been billed like this and its getting rather annoying to get all new accounts and cards. I could scream! I hope all your financial institutions are as understanding and helpful as our is. Good Luck!
0
Deanna
| 1 reply
Just got back from my bank because I had a $29.95 ACH transaction that posted last night. Who are these people and how did they get my bank info??
Just this morning I got a charge on my card for $29.95 from Zeal Money Solution. I immediately call my bank (Chase) to let them know that I did not make the purchase. Stupid Chase customer rep told me they can't do anything until my pending is clear. There should be a way the bank could stop the payment while it's still pending you would think. They want me to call the number and wait until it's clear. By the time it's clear those crooks are gone.
Comments
https://complaintwire.org/complaint/aRAHgFeI1QU/zeal-money-solution
https://complaintwire.org/complaint/frpMOKTF2wU/zeal-money-solution
https://complaintwire.org/complaint/tJpOGMPh2wU/zeal-money-solution
https://complaintwire.org/complaint/f5Ex0Bz22AU/zeal-money-solution
https://complaintwire.org/complaint/QK1OgNTi2wU/zeal-money-solution
Appears to be just starting up, but complaints of theft are ramping up quickly.
All complaints report victims have no clue who this is.
Amounts are consistent with a "membership" cramming scam.
Name is new "Zeal Money Solution".
Phone number only reaches endless "on hold" wiating; no reports of reaching an actual person.
Name and lack of any information from victims on being contacted by the "company" is consistent with a stolen account number cramming and bank theft racket.
BBB report, rated "F":
http://www.bbb.org/utah/business-reviews/fina ... rge-ut-22313297
"...
Zeal Funding Services LLC
Phone: (888) 485-3158
Fax: (435) 628-1981
192 E 200 N Ste 101, St George, UT 84770-2834
http://www.mymoneytoolbox.com
Additional Complaint Information
The business states that for the security and privacy all 1st time applicants must have a Membership. There is an activation fee of 29.95 for the account which is deducted from the bank account provided and comes with a Warranty of Service. The Warranty of Service states if the business is unable to provide the monies requested the One-Time activation fee is waived."
Complaints allege that the business charged their bank account without their knowledge.
On the businesses website under terms and conditions it states "You agree to allow ZealMoneySolutions.com to charge a $29.95 (twenty-nine dollars and ninety-five cents) ach (sic)charge to your account for financial services including a membership center and loan specialist. This Agreement may be amended at any time by us from time to time without specific notice to you."
Consumers should beware of popup boxes or other such information after entering in financial information.
Additional Information
BBB file opened: 05/10/2012
Business started: 04/25/2012
Type of Entity
Limited Liability Company
Contact Information
Principal: Mr. Adam Bronson (Owner)
Business Category
Financial Consultants - No License Required, Work-At-Home Companies, Advance Fee Brokers, Business Services - General
Products & Services
This company offers, for a fee to help you connect with a financial institution for a loan and other offers other financial services.
Alternate Business Names
My Cash Guardian, My Money Leaf, My Money Toolbox, Zeal Money Solutions
..."
Utah Secretary of State shows registration date of 5-02-12
BBB shows file opened 5-10-12
Collected numbers from BBB report:
(888) 485-3158
Fax: (435) 628-1981
(888) 334-3807
(800) 485-5817
(888) 337-3154
(888) 250-4159
(888) 485-5853
(888) 345-2178
(888) 485-8578
This requires that they have a bank routing and account number to submit the charge, but unlike debit or credit card charges, there is no requirement for any expiration date, and so nothing prevents them from just entering a valid bank account number and making charges, once they have the account number..
Their pretense for charging is supposedly that consumers have applied on some online loan site, submitting their account information. Supposedly the terms contain some "authorization" for the charges, as a "monthly membership fee".
This same type of scam has shown up connected to clusters of front companies in both the Las Vegas NV and Scottsdale AZ areas.
Other cramming scams more often use the pretense of some "discount membership club", that consumers are alleged to have "agreed" to when ordering some product, either online or by phone. These often show up connected with products "advertized on TV", often through infomercials. They are also often connected to overhyped "vitamin supplement" or other "health product" sales.
If you have never provided your account number on their own site, or on any online loan site, then they may be getting account information from some shady merchant illegally selling account numbers possibly obtained from check payments or checking account debit authorizations. This is not unheard of, as it has periodically shown up in connection with fraudulent magazine subscription telemarketing.
Since they are probably getting account numbers somewhere, and possibly not just from online loan applications, let's look at the other possibilities.
Have you recently provided your checking account number to make an online or phone purchase?
Have you recently ordered from the types of businesses listed above, that are commonly associated with cramming scams?
What are the smarmiest companies you have recently ordered from?
That would entirely bypass any of the required checking incorporated into use of debit or credit card numbers, such as expiration date, or even optional checks that normal merchants do to avoid errors or fraud, like name and address, or CCV number.
There is one complaint consistent with their pretending the victim's name was supposedly in their system, when it couldn't have been.
Consumer complaints are consistently void of any mention of any prior telemarketing contact. Allegedly, these charges are from some "online book purchase", but there is at least one consumer complaint of a charge against an elder person with no computer.
That complaint information pattern is consistent with cramming charges through against raw checking and routing numbers, either from an unknown source, or randomly.
"Zeal" appears to be running some "loan application" website, then cramming charges against checking accounts obtained from consumers applications, claiming they "agreed" to some monthly "membership fee".
Numerous consumer complaints report they have no idea who they are, and were not expecting any such charge. BBB report rates them "F".
Have you had any contact with any online "loan application" site?
Did you provide your checking account number to it?
If so, what was the URL?