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  • 00:27

    Company Profiles: Central Payment Processing with Tommy Chang

    in Business

    Company Profiles: Central Payment Processing with Tommy Chang is our guest on The Core Business Show with Tim Jacquet. Central Payment is nationally-recognized as a leading provider of transaction processing services and social marketing software, providing support to more than 50,000 small, medium and large businesses across the United States. It annually processes more than 5 billion in credit card sales.

  • 00:33

    THE DAILY COMPLAINT (SPS/CITI MORTGAGE TRANSFER/PAYMENT POSTING VIOLATIONS/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    SELECT PORTFOLIO SERVICES (SPS) MORTGAGE TRANSFER FROM CITI PAYMENT POSTING VIOLATIONS AUTOMATIC DRAFT ISSUES RESULTING IN LATE FEES CONSUMER RIGHTS HELP FTC CFPB RESPA RULES


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:29

    IRS Shared Responsibility Payment (Penalty Tax) Under Affordable Care Act

    in Family

    IRS Shared Responsibility Payment (Penalty Tax) Under Affordable Care Act


    This episode will discuss the IRS Shared Responsibility Payment (Penalty Tax) Under Affordable Care Act.  As most Americans know by now respectfully, there is nothing Affordable about the Affordable Healthcare Act and the imposition of a IRS Shared Responsibility Payment (Penalty Tax) Under Affordable Care Act is an example.  Under the IRS guidelines,


    "If you (or any of your dependents) do not maintain coverage and do not qualify for an exemption, you will need to make an individual shared responsibility payment with your return. In general, the payment amount is either a percentage of your income or a flat dollar amount, whichever is greater. You will owe 1/12th of the annual payment for each month you (or your dependents) do not have coverage and are not exempt. The annual payment amount for 2014 is the greater of:



    1 percent of your household income that is above the tax return threshold for your filing status, such as Married Filing Jointly or single, or
    Your family’s flat dollar amount, which is $95 per adult and $47.50 per child, limited to a maximum of $285."
     

  • 00:35

    THE DAILY COMPLAINT (SPS/MORTGAGE PAYMENT INCREASE/ESCROW FRAUD/HUD/RESPA/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    SELECT PORTFOLIO SERVICES (SPS) MORTGAGE PAYMENT INCREASE ESCROW SHORTAGE REASONING ESCROW FRAUD HUD RESPA RULES MANDATORY ANNUAL ESCROW DISCLOSURE STATEMENT CFPB


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!

  • 00:46

    Your monthly car payment is late your car maynot start until your payment made

    in Finance

    The thermometer showed a 103.5-degree fever, and her 10-year-old’s asthma was flaring up. Mary Bolender, who lives in Las Vegas, needed to get her daughter to an emergency room, but her 2005 Chrysler van would not start.


    The cause was not a mechanical problem — it was her lender.


    Ms. Bolender was three days behind on her monthly car payment. Her lender, C.A.G. Acceptance of Mesa, Ariz., remotely activated a device in her car’s dashboard that prevented her car from starting. Before she could get back on the road, she had to pay more than $389, money she did not have that morning in March.


    “I felt absolutely helpless,” said Ms. Bolender, a single mother who stopped working to care for her daughter. It was not the only time this happened: Her car was shut down that March, once in April and again in June.


    This new technology is bringing auto loans — and Wall Street’s version of Big Brother — into the lives of people with credit scores battered by the financial downturn.


    http://dealbook.nytimes.com/2014/09/24/miss-a-payment-good-luck-moving-that-car/?_php=true&_type=blogs&_php=true&_type=blogs&_r=1

  • 01:02

    Central Payment Explains Your Merchant Services

    in Business

    This is a show you will NOT want to miss! Merchant Services are one of the most costly expenses for a business yet in the "plastic" day in age you must have it to keep your customers from going to your competitor. If you are frustrated trying to figure out those credit card processing statements, PCI Compliance, Interchange - Retail Tier - MOTO rates, or equipment, this is the show for you!


    Central Payment is nationally-recognized as a leading provider of transaction processing services and social marketing software, providing support to more than 50,000 small, medium and large businesses across the United States. It annually processes more than 4.5 billion in credit card sales.


    As one of the fastest growing and most innovative payment processors in the country, the Company provides best in class service based on 24/7 customer care, competitive pricing and technology-based solutions. Employing a combination of a broadly-experienced staff and an entrepreneurial approach to conducting business, the Northern California based company is dedicated to maximizing growth and profit opportunities for its customers. Central Payment utilizes innovative terminal and software technology to provide increasingly important wireless and Internet solutions as part of its cost-effective and seamless approach to payment and transaction processing.


    Chris Lombardi, Director of Sales for Central Payment, will be joining us from his corporate office to provide our listeners answers to their most common questions regarding their merchant service accounts, and industry standards. Live callers with questions are welcome!


     


     


     

  • 00:32

    THE DAILY COMPLAINT (NATIONSTAR/ESCROW FRAUD/PAYMENT ERROR/CONSUMER RIGHTS/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    NATIONSTAR MORTGAGE REQUIRED ESCROW WITH LOAN MODIFICATION FAILURE TO SETUP ESCROW PROPERLY RESULTING IN ESCROW FRAUD PAYMENT ABUSES CONSUMER RIGHTS VIOLATIONS CFPB


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:35

    THE DAILY COMPLAINT (HSBC/NOT POSTING PAYMENT/FALSE CREDIT REPORTING/RIGHTS/FTC)

    in Finance

    TODAY'S SPOTLIGHT:


    HSBC UPFRONT "GOOD FAITH" MODIFICATION PAYMENTS RESULTING IN IMMEDIATE LOAN MODIFICATION DENIAL NO PAYMENT POSTED FALSE CREDIT REPORTING CONSUMER RIGHTS CFPB RESPA FTC


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:39

    THE DAILY COMPLAINT (SELENE/PAYMENT FRAUD/VIOLATIONS/CONSUMER RIGHTS/HELP)

    in Finance

    TODAY'S SPOTLIGHT:


    SELENE FINANCE PAYMENT FRAUD NOT POSTING OR CASHING MORTGAGE CHECKS FORCING WRONGFUL FORECLOSURE SPOC CFPB RESPA FDCPA VIOLATIONS FOR LYING CONSUMER RIGHTS


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:34

    THE DAILY COMPLAINT (SELENE FINANCE/LOAN TRANSFER/PAYMENT ISSUES/HUD/FTC/RIGHTS)

    in Finance

    TODAY'S SPOTLIGHT:


    SELENE FINANCE BANK OF AMERICA MORTGAGE SERVICING TRANSFER FAILED TO POST PAYMENT FALSE THREATS UNLAWFUL LATE FEES MORTGAGE SERVICER RULES CONSUMER RIGHTS CFPB HUD FTC


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:26

    What is EMV and Why it Matters to Your Franchise System

    in Technology

    Deb Evans, President Franchise Foundry and Jack Monson, Global Director Manalto are joined by Skyler Fox, Software Development Manager of Heartland Payment Systems. Skyler will share the what, why and how of EMV technology and the importance to franchisors, franchisees and consumers.


    Follow Deb, Jack and Skyler on Twitter.


    Join the Facebook conversation.


    Visit Social Geek Radio

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