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CB Scam and Fake Checks Review of OSC LLC.
OSC LLC.

OSC LLC. review: SCAM 90

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5:54 pm EST
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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.

Update by oh_yeah
Mar 15, 2010 4:04 pm EDT

4240 is the business where they moved...its hard to explain, i think i emailed you today

Update by oh_yeah
Mar 15, 2010 4:05 pm EDT

go on facebook and look up osc llc, i made a fan base for them being a scam, if youd like to add anything let me know :)

Update by oh_yeah
Mar 25, 2010 8:58 am EDT

no sorry i havent...i used to use the name ela green

Update by oh_yeah
Mar 25, 2010 8:59 am EDT

from what i heard they owned a whole new building and one of the previous closers there is now running the new office building...look on craigslist under central/south phoenix jobs...youll see their advertisements for employers.

Update by oh_yeah
Mar 25, 2010 11:49 am EDT

LMAO thank you karen

Update by oh_yeah
Mar 26, 2010 5:34 pm EDT

Don M. i will give your number to someone who can help if youd like...that way he can call you. other than that i honestly dont believe you.

Update by oh_yeah
Mar 31, 2010 2:50 pm EDT

I have been told that deluxe marketing group may in fact be the new name of core payement solutions/merchant referral solutions/bank card empire.

Update by oh_yeah
Apr 12, 2010 8:11 pm EDT

this is for everyone to know...that is why i posted the original complaint here, at this point I really dont care who from osc reads or responds to. They know where i live, what my number is, who i am and have already tried bribing me and harassing me to the point of myspace creation and threat to give out my social security number on the internet. so anything they say here about me, i really dont care about. They have request that i come to court, for my 'slandering' on the internet about the true actions they have been taking towards their clients. I know this because i was not only a telemarketer for them, but also a peronsonally contracted personal assistant/appointment setter for one of the reloaders. not only is fradulence taking place which owners, reloaders, closers, administration, aswell as other telemarketers who also worked there had verbally told me, but there is sexual harassment aswell...that was the bottom line for me when i quit march 4th 2010. All i wanted to do was the right thing, especially once i realized how many people were being hurt like this, hoping that they were going to better themselves and their families. I have given multiple people all the information I know and honestly I dont think i can do anymore to help this. OSC LLC. the name that is on the paychecks at the place i worked at has only gotten bigger and well everyone whos personally spoke to me hasnt been any help in particular cases. it doesnt make sense that the government is allowing these companies or THIS PARTICULAR COMPANY to exist, so maybe they want these places to stay running. Maybe this is all about money.

im not giving up, im just loosing hope to be 100% with everyone who reads this. Im 19 and I just got a legit job for someplace that actually cares about their workers and clients and im going to do everything i can to keep it.

its extremely difficult to fight this when im trying to live my life or even have a life.

Many of you can do all the reasearch you can and speak to others and gather progress because you have the time and resources to do it. I am not retired and am living on my own without the help of any of my family, so theres only so much that can happen.

thank you to everyone who has responded to the post I wrote, even though it has gotten me into trouble with the court...i am greatful that i was even able to help one other person, it was the least i could do for knowingly selling the product to others over the phone.

this whole sherade just isnt fair to people, and for those who want to respond and say life just isnt fair...you have already given up on freedom entirely. live.

Update by oh_yeah
Apr 15, 2010 9:28 pm EDT

what you guys dont know is that multiple locations are NOT i repeat NOT shut down yet...including the place i worked at 42040 north 19th ave.

Update by oh_yeah
Apr 27, 2010 12:19 pm EDT

I have just scimmed over some of the comments that have been made since my last post. to answer the ###s question. i stayed because was 19 living on my own without any support from my family and needed to make money with that the only job that was wanting to hire me. i took half days while i worked there to go to interveiws and look for jobs both physically and online. i had not found anything until a month after i quit so i stayed because it was either that and have money to live and eat or scrape by without anything. ill comment later about all that has been stated so far. im so glad that all this has been helpful to some people.

ANY ONE CONTACTED BY COREPAYMENT SOLUTIONS, THAT WAS THE NAME OF BANKCARD EMPIRE BEFORE I LEFT FROM THERE SO JUST BE CAUTIOUS!

Update by oh_yeah
Apr 27, 2010 12:23 pm EDT

look on craigslist under phoenix and look at the jobs listed in south/central phoenix and you will see mulitple postings for the locations that are still operating and what is provded there are numbers and the company name of d.w.scott financial. osc or what people like to call bankcard empire/core payment solutions/merchant referral solutions is never named on the posts though...probably for a reason.

just some food for thought!

Update by oh_yeah
Apr 27, 2010 12:29 pm EDT

i know they are because on my check it said OSC LLC and the name of the company people were representing were told to say "hi this is so and so from BANKCARD EMPIRE etc etc etc"

then it was changed to merchant referral solutions then to core payment solutions, I WORKED THERE [censored]!

Update by oh_yeah
Apr 27, 2010 12:29 pm EDT

dip ### was referred to smartguy

Update by oh_yeah
Apr 27, 2010 12:32 pm EDT

modify man, whod you get a call from?

Update by oh_yeah
May 04, 2010 8:14 pm EDT

NOW EVERYTHING JAMES90 HAS STATED ABOVE IS ABSOLUTALLY FALSE IN ALL WAYS!

Update by oh_yeah
May 04, 2010 8:16 pm EDT

obviously since they dont even know how to spell my name and look me up, ive got no charges of any kind. thank you for wasting your time james. i am currently waiting untill i have a hearing or whatever with merchant referral solutions for my slandering (which is all accurate and has been proven so by postal workers and police officers).

Update by oh_yeah
May 04, 2010 8:20 pm EDT

the only reason this person has my address is most likely because i did in fact work for osc llc, which does or did in fact house bankcard empire which changed their name to merchant referral solutions and then to core payment solutions...and it also housed dw.scott financial which i worked for aswell for a period of 5 hellish months.

thanks for the entertainment, but seriously get over yourself. if you guys dont go down, i cant be mad...im totally over it now. ill go to the hearing or whatever talk this out like adults in the court of law and see what the judge has to say.

Update by oh_yeah
May 04, 2010 8:23 pm EDT

i was told that if i didnt give in to sexual favors to the admin or rather my boss that i would be fired. I HAVE THE RESTRAINING ORDER TO PROVE IT directed to my boss!

Update by oh_yeah
Jul 26, 2010 2:29 pm EDT

just so everyone knows...my court things with osc/maximum business concepts/whoever they are right now HAS BEEN DismiSSED! i never even had to go to court. i wish everyone luck in whatever you choose to do with your lives! and because i am only 20 years ive got to be a little immature right now and say [censor] EVERYONE ASSOICIATED WITH OSC LLC/MAXIMUM BUSSINESS/DWSCOTTFINANCIAL/DELUXE MARKETING GROUP/CORE PAYMENT SOLUTIONS!
This is my personal opinion and am doing this as my own self expression, anyone not like what i say then be on your way to another network page!

Update by oh_yeah
Jul 26, 2010 2:30 pm EDT

ps the ones in central phoenix are till operating and make a lot of money

Update by oh_yeah
Sep 30, 2010 10:58 am EDT

that sounds dumb

Update by oh_yeah
Dec 18, 2010 3:10 am EST

i dont know why i never posted this before, maybe i was afraid of getting in trouble or getting harassed more by my old employers. But this is what the building looks like at 3rd ave and osborn rd in phoenix az. later on this month when i get around to it, i now plan on sharing the documents i have on this company; restraining order, court documents, work related material used working there including scripts. Leads used for cold calling customers, if your name is printed in any of the leads, email me immediately and i will give you that respect. i think maybe this is all i can do for the situation, i have no lawyer its been almost a year now and well i cant see how else i could make a difference. i hope you dont use this information against me. im giving this as public information, sharing to others that have gone through similar experiences as me. as of right now i have no other documents scanned yet except of the photo of their location.

The owners were originally in this building when i first started back in oct of 2009. In January of 2010 they moved to another location which is available in one of my previous posts. Since then i have driven past their old location (3rd ave and Osborne) and have heard from another person who happened to have done work for them that they have doing business there again.

Either way i believe everyone has the right to know where the source directly is, i am not associated with
what you do with this information.

my only intention is to help those who have been lied to.

View 0 more photos
Update by oh_yeah
Dec 18, 2010 3:11 am EST

i worked on the 3rd floor before half of the other business was located on the 1st floor.

Update by oh_yeah
Feb 10, 2011 5:19 pm EST

i dont have any of my pay checks becasuse i had to cash them to get my money, but ill look through my tax stuff from last year. remember i was 10-99

how do i find it out besides a check?

Update by oh_yeah
Feb 10, 2011 5:32 pm EST

@phxscams...i just dont understand how people like this can get away with all this [censor] for years. there is not enough regulation in the system of our govt. it seems like its a special casing for most, whoevers got the money rules...which is inhuman in my mind. there are too many people who do not have the means to stand up for what is morally right, and too many people willing to cover their [censor], lie, and hide in order to keep the money and situation hovering under the water line. there is just not enough people with morals anymore, at least not enough that have the power with the system.
Thats why i dont blame some people who "go crazy" on wall street or other officals who have probably disreguarded whats actually needed rather than promoting what they solely desire. its a disgusting world we live in, only a few make it worth waking up in the morning.

The Wall by Pink Floyd is not just a trippy hippy movie, its am important message on how the system has shaped us as humans from the inside out. Very impacting sober or not. Everyday is a trip for anyone with a mind that operates. none of us have a choise in life...our parents decided to have us not us, our names were choosen for us, our lives are maped out occording to have has been ... and then were expected to follow the orders of others reguardess to what you know in your heart is right...yet we are thousands of years into the system weve created it be too much work to ever change things.

Update by oh_yeah
Feb 23, 2011 5:18 pm EST

reguardless their federal identification number is [protected].

they are in fact in the building on osborn rd, i drive past there a couple weeks ago and saw many of the lead guys' cars still there. if anyone wants me to come in to testify or something against them, i live here in phx and as long as im not working i will be more than happy to come in.

Update by oh_yeah
Feb 23, 2011 5:23 pm EST

thanks phxscams

Update by oh_yeah
Feb 23, 2011 5:41 pm EST

cssasmith...maybe you should be a little more humble rather an arrogant, since your obvisouly lacking experience in many things.

Update by oh_yeah
Feb 23, 2011 5:44 pm EST

@cssasmith...you obviously are lacking in experience in certain hardships and itd probably be best for you to take a step back and listen with your ears open, your not receptive therefore giving out close minded insight...try being a little more humble itll brighten your life outside of these telemarketing scams forums.

Update by oh_yeah
Feb 23, 2011 5:44 pm EST

sorry rewrote my original thought

Update by oh_yeah
Feb 28, 2011 11:39 pm EST

never did i say that i was defending people who work there. there is a difference in the people who work for them for greed and those who have no other choice, or rather no idea to what exactly the company is about, or how complex the issue really is. i have been very consistant with my thoughts on everything. you on the other hand started out being much more open and now seem closed off to the idea that some people are in a position to stay until another oppertunity comes up to help alter the paths on which theyre already on.

:D

Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

90 comments
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Lyjel
Suwanee, US
Mar 24, 2010 3:00 pm EDT

This is for DW Scott financial victim, and I'm one of them. I'm working on reporting them to all government agencies. They will high pressure you to buy their service make you believe that you will earn thousands of dollars. The name of the persons that I talked to was Cody Williams and Justin (i don't know if these are their real name). But this people talks like you are in trial if you argue with them. And if you are going to cancel and want a refund, they will treat you like you owe them money. A harassment. Jdohe, thank you for posting this because this will help me to file complaints.

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Lyjel
Suwanee, US
Mar 24, 2010 2:49 pm EDT

Hey they have a new address again, I called today (March 25, 2010) it's 3508 North 7th St., Ave, Phoenix, AZ. They are hesitant to give me their address though since they said they are expanding their business. When they find out that we are after them, they will run away again!

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Karen Vargo
Warrenton, US
Mar 23, 2010 12:56 pm EDT

DW Scott Financial hires Ex-Cons to do their marketing. That should help in making your decision to go with this company or not.

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mmmmjjjjcook
Ft Worth, US
Mar 22, 2010 4:43 pm EDT

I was thinking about doing business with DW Scott Financial. How is that company linked to the others?

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happydaysarehereagain
Sioux City, US
Mar 18, 2010 6:51 pm EDT

Case dismissed - full against Mallette

Case Number: CV2009-034585 Judge: Gama, J. Richard
File Date: 10/30/2009 Location: Downtown
Case Type: Civil
Party Information
Party Name Relationship Sex Attorney
Maximum Business Concepts L L C Plaintiff Scott Ashby
Wayne Mallette Defendant Male Leslie Rakestraw
Lisa Mallette Defendant Female Leslie Rakestraw
Case Documents
Filing Date Description Docket Date Filing Party
3/16/2010 042 - ME: Case Dismissed - Full 3/16/2010

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euphoria
Ft White, US
Mar 18, 2010 2:39 am EDT

I've been compiling evidence that Bankcard Empire and Merchant Referral Solutions are the same company - since they have specifically denied this in a legal court document - and have amassed quite an impressive pile of paperwork thus far. I thought the Arizona Attorney General might find this useful, so I sent them a copy a couple of days ago.

Anything to help the cause. :)

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718chris
Brooklyn, US
Mar 15, 2010 6:31 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Phoenix is now considered the hotbed for home based business scams.They called me recently.Nothing but a scam like countless others out there now.They fall into the same category as the Nigerian 419 scam.Which is the front runner in scams.

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jdohe
Seminole, US
Mar 13, 2010 9:18 pm EST

add to this list:

16. Deluxe Marketing Group
2720 East Thomas Road A100 Phoenix, AZ 85016

17. Core Payment Solutions - started 1/11/2010 -Sarah Harris - F rating on www.bbb.org
711 E. Lemon Street, #425 Tempe, AZ 85281
[protected] and [protected]
www.corepaymentsolutions.com

and I'm working on what is at

4240 N 19th Ave Phoenix, Arizona 85015

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jdohe
Seminole, US
Mar 13, 2010 8:51 pm EST

#13 is JKT Merchant Referal Solutions OSC
NOT JKT Merchant Referal Soulutions OSC
I should have remembered that those people have no soul

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jdohe
Seminole, US
Mar 13, 2010 8:48 pm EST

I always suspected the people at "MRS Referral Solutions" used ficticious names. Every bit of contact I have had with them involved a different person's name. If you sound like you are going to be trouble - they say they will set up an appointment for you to talk to someone and never call back. You can NEVER talk to them when you want to.
Anyway, I would like to point out the following - This company operates with at least 15 different aliases - with "F" rankings on the Better Business Bureau and they have more consumer complaints than any company you will ever find.
Here is a list of the aliases I know of so far:

1. MRS Referral Solutions - started 9/2/2009 - Wesley Whitfied - F rating on www.bbb.org
3104 E. Camelback Road #606 Phoenix, AZ 85018
[protected] & [protected]
http://merchantreferralsolutions.com

2. Merchant Referral Solutions - F rating on www.bbb.org
3104 E. Camelback Road #606 Phoenix, AZ 85018
[protected]

3. Maximum Business Concepts - F rating on www.bbb.org
3104 E. Camelback Road #606 Phoenix, AZ 85018
[protected]

4. ABIZ LLC - started 2/21/2006 - Darrin Giefer - F rating on www.bbb.org
3104 E. Camelback Road #606 Phoenix, AZ 85018 and
2720 E. Thomas Road #A100 Phoenix, AZ 85016

5. BankCard Empire - - started 9/2/2009 - David Merskey - F rating on www.bbb.org
2720 E. Thomas Road #A100 Phoenix, AZ 85016 and
2701 E. Osborn Road Phoenix, AZ 85016
[protected] and [protected]
www.bankcardempire.com

6. High Speed Enterprises Inc.
2720 E. Thomas Road #A100 Phoenix, AZ 85016
[protected]

7. Reliant Business Services
2720 E. Thomas Road #A100 Phoenix, AZ [protected]

8. Davidan Corporation - F rating on www.bbb.org
2701 E. Osborn Road Phoenix, AZ 85016

9. BankCard Media Group - F rating on www.bbb.org
2701 E. Osborn Road Phoenix, AZ 85016

10. ABG - Lashell Lopez - F rating on www.bbb.org
2701 E. Osborn Road Phoenix, AZ 85016
[protected]

11. Automated Business Group - F rating on www.bbb.org
2701 E. Osborn Road Phoenix, AZ 85016
[protected]

12. OSC LLC
300 West Osborn Road, Phoenix, AZ [protected]
[protected]

13. JKT Merchant Referal Soulutions OSC
3507 N. Central Ave. Phoenix, AZ 85012
[protected]

14. Epic Commerce LLC - F rating on www.bbb.org
3219 E. Camelback Road #384 Phoenix, AZ 85018
[protected]
www.epiccommercellc.com

15. DW Scott Financial - started 3/22/2007
1990 W. Camelback Road #101 Phoenix, AZ 85015
[protected] and [protected]
www.dwscott.com

Note that ALL of the businesses above either share an identical address, or are less than 1 mile away from the other offices. I suspect that each employee is a seperate corporation to limit their liability, and those addresses are mostly the apartments of the employees.

If you have additional information or corrections, please let me know. I'm sure there is more! Every time I look I find more dirt.