I will start by stating that i am a part-time employee at my grandparents company, and a full time student. I became involved in this agreement between your town cesspool and pacific capital finance after my grandparents felt they had fallen victim to a scam. This following record was documented by my grandmother, prior to me stepping in.
In mid-june of 2016, my grandparents responded to a fax recieved from pacific capital finance stating that our business was pre-qualified for a business loan. They called to follow through, and spoke to adrian rojo. They informed mr. Rojo that they had planned to use the principle amount of $75,000 to repair our cesspool truck, and possibly purchase a second. Adrian had asked that they provided him with an invoice for this, but because we were unable to move forward without the capital, we could not provide him with any invoices.
The following week, adrian rojo insisted it would be best to submit an application for working capital, rather than applying for a loan for a truck. On june 23rd, my grandparents were faxed a financial agreement for $75,000 in working capital at a 5% interest rate, as well as a list of requirements. After mailing their bank statements, adrian assured my grandparents that they would be approved. Mr. Rojo said that if they overnighted a certified check for $2,699.00 we would possibly see capital within a week or less. This check was for the last months payment of $1,900 dollars, as well as a $799.00 processing fee.
The week following that, they did not recieve any working capital. Instead, they were asked to send information on all our trucks for collateral. This included titles, pictures, and a used equipment condition report, all of which was sent out. Mr. Rojo then told them he would be sending someone here to look at the vehicles, which they agreed to. No one came. The next problem was that our company had unsatisfied liens from the new york state tax department from 1999. These were paid, and to move further they needed to get paid satifactions. After obtaining these, and sending them out to mr. Rojo, they had finally met all the requirements, but he was unable to give us $75,000.
They were informed the underwriting department would only approve our company for $30,000 dollars and at higher interest rate. When they tried to back out of this deal, and requested the refund for $2,699.00, he kept reffering to 2 paragraphs in the original agreement that evidently protects pacific capital finance.
About two weeks after this, i stepped in and asked that my grandparents, no longer answer the phone to mr. Rojo. All containing stories very similar to our own. I then emailed him, telling him that he will no longer be dealing with my grandparents, and now will only be dealing with me, and if we do not see the $2,699.00 i would proceed to bring this to the bbb of san diego. He immediately called me, in which i told him the same thing i told him in our email. Mr. Rojo proceded to talk to me for 45 minutes, in which he made insults on my experience and intelligence, as well as my grandparents competence. Adrian told me that it might be possible to get us $1,900 after a 3-week approval period. I replied in an email the next day that that was unacceptable, and how i planned to move forward with the bbb of san diego. I also asked that he no longer contact us through phone, and that i wanted any further communication to be done through email. Immediately following that email he called our office lines, aswell as my grandfather's personal phones, in which we did not answer.
I was out of the office for a week, only to return to another email from adrian with "good news". He met together with the asset/legal department, and we were approved to see a $2,300 dollar refund, along with a contract containing multiple non-disclosure agreements. Though we would have loved to take our $2,300 back and put this to rest, we were not signing any more agreements from pacific capital finance.
At this point, i will be looking for any online outlet i can to tell my story about adrian rojo and pacific capital finance. After submitting this report, i will be contacting the better business bureu of san diego. My grandparents are easy prey for people like mr. Rojo, who do not have knowledge of the various online scams that circulate. I believe the only reason he offered me any sort of refund is because i am capable of finding outlets, such as this one, and posting these stories. I believe mr. Rojo is very concerned with his online image, as he reminds me in many of his emails that any sort of postings will be met with a defamation lawsuit. I would gamble that he responds to this by the end of the week saying he plans to move forward with these, as well as make mention about how my ill 79 year old grandfather continued to make threats on his life.
I ask anyone unsure of pacific capital finance to look up the address listed on their website, which will bring you to a postalannex plus. I believe they rent a mailbox here, as a way to protect themselves. I have also spoken to various businesses within the culver plaza and no one has heard of pacific capital finance. I also ask anyone to look them up on the better business bureau, in which you will see 4 registered employees. I believe there is no way i have dealt with various departments throughout this entire agreement when there are so few employees. It doesn't add to me. I also encourage anyone to reverse lookup the phone number listed on their site.
I plan to persue this to the fullest, and ask anyone else in the same boat reach out to us.
I was contacted by Carter concerning financing a vehicle for my company. He told me they could do the loan within 48 hours and gave me an interest rate and sent paperwork to be filled out along with first and last months deposit and administration fees. I told him I had sent a driver to pick up the vehicle. He said they would release funds immediately.
Well, after almost 2 weeks of continued lies, delays etc, while my driver is waiting in AZ to pick up the vehicle, they sent me new paperwork and raised the interest rate from 6.8% to 18.9% and almost doubled the payment. I told him that I was not going to move forward and just get financing with my local bank.
I told him to cancel the transaction and refund me my $$. That's been over 60 days and they won't refund and refuse to tell me when I can receive my money back. This company is a fraud and use bait and switch tactics to draw you in and once your in, they change the interest rate and payment. that's what they tried to do to me and won't give me my first and last months payment back or my fees I paid. They owe me $1355.00
We responded to an internet ad regarding low cost financing for equiptment and trucks that was pitched by Pacific Capital Finance. We received follow-up information from Adrian Rojo including an efa agreement (19458594825632) with the terms and amount of loan.
There was a request for 1st and last months lease and a 599$ fee for processing the lease. We responded with a cashiers' check for the requested amount and waited for the transaction to be funded. This all occurred btw. Dec 24,2014 and Dec. 30th 2014.
On or about Jan 7th,2015 we received a complete new set of documents which reflected a straight commercial loan they had brokered to Blue Bridge Financial group. The term of the note was cut by 12 months and the low rate of 4.125% had suddenly increased to 8%.
We contacted Pacific Capital Finance and told them they had totally misrepresented the product and didn't meet their original offering and we respectfully requested a refund of our $4027.80. We got alot of double talk about how long it took to process a refund and we went along with it for a while.
When it became apparant that these guys were less than reputable we filed claims with everybody we could think of including the BDO of California, the BBB of San Diego, the attorney generals office, and Blue Bridge Financial. We contacted the latter to see if they knew anything about these guys and they had no experience with them whatsoever.
After 7 months of dealing with these people trying to get our money back Adrian Rojo contacted me and said that they would refund $2000.00 of the 4027.80 they owed me if I would send out letters and retract the claims I had made concerning their business. I agreed in principal to do that if they would make it 2500 just to get rid of this issue.
I susequently wrote the letters they requested and waited for several weeks to hear from someone and finally Adrian called me on or about August 5,2015 and let me know that writing the letters was not good enough he wanted me to get the claim off the books at the BBB. I told the guy I had done what I was asked to do and it is apparrent that they have no intention of returning our money to us.
Part of their original agreement is in case of a dispute that Orange Count Califrnia is the venue for arbitration and obviously being in Texas is not a viable concept for us to pursue unless there were ways where we could get punitive damages. At this point I don't care about the money. It is shame on me for being that stupid to send the crooks the money but I would give anything to stop yahoos like this guy from preying on others.
We were called by this company solicitating equipment financing, We were told that they had very low rates. We felt that they were better rates than other finance companies we had contacted. We gave all of our information to them. They said we were good to go and the financing was funded. After weeks of being told that we were going to lose the equipment if we did not get the funding they said they could find us equipment if we lost the equipment that we had found. It made no sense to me.
Every week they said it was just a day or to away from getting to us. I even had the owner of the equipment call them to see why it hadnot been funded. Then Pacific Capital (Vanessa Edwards) told me they were afraid because the owner of the machinery was wanting it to be paid they said they thought it was a fraud deal. I told Vanessa that the equipment had even been delivered to my address. They kept making every exuse for weeks, That is when the next person called me and changed every detail of the contract. I was livid. They bait and switched me and still could not promise me when it would be funded.
I had another company look over the origional contract and she said that it had red flags everywhere on the contract. This company is fraudulent. I found other companies that had the same thing done to them. They theatened me saying I better not go after them or they will use my stolen money to fight me. I have never been scammed quit like this before. They are professional scammers. They tryed to say that we put information on the paperwork that was nor correct so they could come after me. Cater was one of the slippery calls that theatened me and obviously this Adrian Rojo is the leader of this rip of team.
They stole $4,227.55 from me but I will go after damages that will far exceed this number. Any others that have had my same experience please contact me. A Class Action Suit might be a way to get their attention. Thank you for your time. I have family that are lawers so I will not let others be scammed like this in the future. Doug Petersen Salt Lake City, Utah
they are doing the same to me, sign a contract, gave them a deposit because I was approved and now they are wanting a different contract for a shorter term and now stalling, keep wanting more documents which everything was okay before, o not do any business with them. All they are doing is getting your money and you are getting nothing
We got a fax stateing that we were approved for a loan,non colatural loan, we filled out paper work from pcf and we showed them our bank statement ,vanessa edwards called non stop until we were convenced there would be no promblem. on friday she called said we were totally good no problem, just over noght them 799. and everything would go forward,
They did not call after that we called them, then carter sanders her boss said everything was good but he needed colatral ,once we sent a list ,in b etween unanswer calls from them,until one gets supicous and asked if they were a real company, now they say because i have been rude and not letting them decide what too do the are not returning any funds or honring their loan. and after they both called me a low life for even asking they don;t return calls,their contract was rushed by vanessa and was nor very ligable . I would stay clear of this so called company , they won;t return calls are rude ,when they did ,just to tell me that I signed their contract,which I did and met their requirements, they just keep telling go get me this and don't answer the phone once you meet their reqirements, I guess vanessa edwards and carted sanders if that is their real names have scam me -Don't trust these crooks,
Pacific Capital Finance Reviews
I will start by stating that i am a part-time employee at my grandparents company, and a full time student. I became involved in this agreement between your town cesspool and pacific capital finance after my grandparents felt they had fallen victim to a scam. This following record was documented by my grandmother, prior to me stepping in.
In mid-june of 2016, my grandparents responded to a fax recieved from pacific capital finance stating that our business was pre-qualified for a business loan. They called to follow through, and spoke to adrian rojo. They informed mr. Rojo that they had planned to use the principle amount of $75,000 to repair our cesspool truck, and possibly purchase a second. Adrian had asked that they provided him with an invoice for this, but because we were unable to move forward without the capital, we could not provide him with any invoices.
The following week, adrian rojo insisted it would be best to submit an application for working capital, rather than applying for a loan for a truck. On june 23rd, my grandparents were faxed a financial agreement for $75,000 in working capital at a 5% interest rate, as well as a list of requirements. After mailing their bank statements, adrian assured my grandparents that they would be approved. Mr. Rojo said that if they overnighted a certified check for $2,699.00 we would possibly see capital within a week or less. This check was for the last months payment of $1,900 dollars, as well as a $799.00 processing fee.
The week following that, they did not recieve any working capital. Instead, they were asked to send information on all our trucks for collateral. This included titles, pictures, and a used equipment condition report, all of which was sent out. Mr. Rojo then told them he would be sending someone here to look at the vehicles, which they agreed to. No one came. The next problem was that our company had unsatisfied liens from the new york state tax department from 1999. These were paid, and to move further they needed to get paid satifactions. After obtaining these, and sending them out to mr. Rojo, they had finally met all the requirements, but he was unable to give us $75,000.
They were informed the underwriting department would only approve our company for $30,000 dollars and at higher interest rate. When they tried to back out of this deal, and requested the refund for $2,699.00, he kept reffering to 2 paragraphs in the original agreement that evidently protects pacific capital finance.
About two weeks after this, i stepped in and asked that my grandparents, no longer answer the phone to mr. Rojo. All containing stories very similar to our own. I then emailed him, telling him that he will no longer be dealing with my grandparents, and now will only be dealing with me, and if we do not see the $2,699.00 i would proceed to bring this to the bbb of san diego. He immediately called me, in which i told him the same thing i told him in our email. Mr. Rojo proceded to talk to me for 45 minutes, in which he made insults on my experience and intelligence, as well as my grandparents competence. Adrian told me that it might be possible to get us $1,900 after a 3-week approval period. I replied in an email the next day that that was unacceptable, and how i planned to move forward with the bbb of san diego. I also asked that he no longer contact us through phone, and that i wanted any further communication to be done through email. Immediately following that email he called our office lines, aswell as my grandfather's personal phones, in which we did not answer.
I was out of the office for a week, only to return to another email from adrian with "good news". He met together with the asset/legal department, and we were approved to see a $2,300 dollar refund, along with a contract containing multiple non-disclosure agreements. Though we would have loved to take our $2,300 back and put this to rest, we were not signing any more agreements from pacific capital finance.
At this point, i will be looking for any online outlet i can to tell my story about adrian rojo and pacific capital finance. After submitting this report, i will be contacting the better business bureu of san diego. My grandparents are easy prey for people like mr. Rojo, who do not have knowledge of the various online scams that circulate. I believe the only reason he offered me any sort of refund is because i am capable of finding outlets, such as this one, and posting these stories. I believe mr. Rojo is very concerned with his online image, as he reminds me in many of his emails that any sort of postings will be met with a defamation lawsuit. I would gamble that he responds to this by the end of the week saying he plans to move forward with these, as well as make mention about how my ill 79 year old grandfather continued to make threats on his life.
I ask anyone unsure of pacific capital finance to look up the address listed on their website, which will bring you to a postalannex plus. I believe they rent a mailbox here, as a way to protect themselves. I have also spoken to various businesses within the culver plaza and no one has heard of pacific capital finance. I also ask anyone to look them up on the better business bureau, in which you will see 4 registered employees. I believe there is no way i have dealt with various departments throughout this entire agreement when there are so few employees. It doesn't add to me. I also encourage anyone to reverse lookup the phone number listed on their site.
I plan to persue this to the fullest, and ask anyone else in the same boat reach out to us.
I was contacted by Carter concerning financing a vehicle for my company. He told me they could do the loan within 48 hours and gave me an interest rate and sent paperwork to be filled out along with first and last months deposit and administration fees. I told him I had sent a driver to pick up the vehicle. He said they would release funds immediately.
Well, after almost 2 weeks of continued lies, delays etc, while my driver is waiting in AZ to pick up the vehicle, they sent me new paperwork and raised the interest rate from 6.8% to 18.9% and almost doubled the payment. I told him that I was not going to move forward and just get financing with my local bank.
I told him to cancel the transaction and refund me my $$. That's been over 60 days and they won't refund and refuse to tell me when I can receive my money back. This company is a fraud and use bait and switch tactics to draw you in and once your in, they change the interest rate and payment. that's what they tried to do to me and won't give me my first and last months payment back or my fees I paid. They owe me $1355.00
We responded to an internet ad regarding low cost financing for equiptment and trucks that was pitched by Pacific Capital Finance. We received follow-up information from Adrian Rojo including an efa agreement (19458594825632) with the terms and amount of loan.
There was a request for 1st and last months lease and a 599$ fee for processing the lease. We responded with a cashiers' check for the requested amount and waited for the transaction to be funded. This all occurred btw. Dec 24,2014 and Dec. 30th 2014.
On or about Jan 7th,2015 we received a complete new set of documents which reflected a straight commercial loan they had brokered to Blue Bridge Financial group. The term of the note was cut by 12 months and the low rate of 4.125% had suddenly increased to 8%.
We contacted Pacific Capital Finance and told them they had totally misrepresented the product and didn't meet their original offering and we respectfully requested a refund of our $4027.80. We got alot of double talk about how long it took to process a refund and we went along with it for a while.
When it became apparant that these guys were less than reputable we filed claims with everybody we could think of including the BDO of California, the BBB of San Diego, the attorney generals office, and Blue Bridge Financial. We contacted the latter to see if they knew anything about these guys and they had no experience with them whatsoever.
After 7 months of dealing with these people trying to get our money back Adrian Rojo contacted me and said that they would refund $2000.00 of the 4027.80 they owed me if I would send out letters and retract the claims I had made concerning their business. I agreed in principal to do that if they would make it 2500 just to get rid of this issue.
I susequently wrote the letters they requested and waited for several weeks to hear from someone and finally Adrian called me on or about August 5,2015 and let me know that writing the letters was not good enough he wanted me to get the claim off the books at the BBB. I told the guy I had done what I was asked to do and it is apparrent that they have no intention of returning our money to us.
Part of their original agreement is in case of a dispute that Orange Count Califrnia is the venue for arbitration and obviously being in Texas is not a viable concept for us to pursue unless there were ways where we could get punitive damages. At this point I don't care about the money. It is shame on me for being that stupid to send the crooks the money but I would give anything to stop yahoos like this guy from preying on others.
Larry McSpadden-- Waxahachie,Texas
We were called by this company solicitating equipment financing, We were told that they had very low rates. We felt that they were better rates than other finance companies we had contacted. We gave all of our information to them. They said we were good to go and the financing was funded. After weeks of being told that we were going to lose the equipment if we did not get the funding they said they could find us equipment if we lost the equipment that we had found. It made no sense to me.
Every week they said it was just a day or to away from getting to us. I even had the owner of the equipment call them to see why it hadnot been funded. Then Pacific Capital (Vanessa Edwards) told me they were afraid because the owner of the machinery was wanting it to be paid they said they thought it was a fraud deal. I told Vanessa that the equipment had even been delivered to my address. They kept making every exuse for weeks, That is when the next person called me and changed every detail of the contract. I was livid. They bait and switched me and still could not promise me when it would be funded.
I had another company look over the origional contract and she said that it had red flags everywhere on the contract. This company is fraudulent. I found other companies that had the same thing done to them. They theatened me saying I better not go after them or they will use my stolen money to fight me. I have never been scammed quit like this before. They are professional scammers. They tryed to say that we put information on the paperwork that was nor correct so they could come after me. Cater was one of the slippery calls that theatened me and obviously this Adrian Rojo is the leader of this rip of team.
They stole $4,227.55 from me but I will go after damages that will far exceed this number. Any others that have had my same experience please contact me. A Class Action Suit might be a way to get their attention. Thank you for your time. I have family that are lawers so I will not let others be scammed like this in the future. Doug Petersen Salt Lake City, Utah
rip off
they are doing the same to me, sign a contract, gave them a deposit because I was approved and now they are wanting a different contract for a shorter term and now stalling, keep wanting more documents which everything was okay before, o not do any business with them. All they are doing is getting your money and you are getting nothing
We got a fax stateing that we were approved for a loan,non colatural loan, we filled out paper work from pcf and we showed them our bank statement ,vanessa edwards called non stop until we were convenced there would be no promblem. on friday she called said we were totally good no problem, just over noght them 799. and everything would go forward,
They did not call after that we called them, then carter sanders her boss said everything was good but he needed colatral ,once we sent a list ,in b etween unanswer calls from them,until one gets supicous and asked if they were a real company, now they say because i have been rude and not letting them decide what too do the are not returning any funds or honring their loan. and after they both called me a low life for even asking they don;t return calls,their contract was rushed by vanessa and was nor very ligable . I would stay clear of this so called company , they won;t return calls are rude ,when they did ,just to tell me that I signed their contract,which I did and met their requirements, they just keep telling go get me this and don't answer the phone once you meet their reqirements, I guess vanessa edwards and carted sanders if that is their real names have scam me -Don't trust these crooks,