This is a real review from a Wells Fargo Customer who is a business and personal customer.

A word to the wise. If you are a business or personal customer, take your business elsewhere. These people are not organized and they have a lot of security issues. They are also not very customer friendly. Our business have been a business customer for many years and a personal customer for way over 14 years. Wells Fargo boasts that they have been in business for over 160 years (that’s over 4 generations), but it shouldn’t take them 160 years to fix these simple issues and to be more welcoming and friendly to customers. Use smaller banks or bigger banks like “Bank of America, Chase or Sun Trust.”

Dump “Wells Fargo” and begin the journey to excellence in the “SUN (Trust)” to “Chase” “Bank of America” the Banks that mean business.

Now our story beings….

We were forced to use Wells Fargo due to the merger by Wachovia. During this merger it appears that there were a lot information security issues. Here is one example:

I went to a local Wells Fargo Branch and did a withdrawal and looked at my card and saw that I was using the old Wachovia card. I mentioned to the teller while doing the transaction that I may need a new ATM card. A couple days passed by and the card ended up at a different address than what was on my account. Luckily it was sent to a family member’s address vs. a stranger’s address. The family member called and said that “Wells Fargo Bank” sent you a card and it’s by My home, do you want to pick it up. My response was, “NO WAY.” “It is impossible for the card to be sent there when I have never used your address, so I told him that there must be some error and that the card was fake. The family member’s response was “it is real and it have the correct financial information on the paperwork and card.” I said to this person, if you think it’s real then go ahead and bring it over to my home.

The family member came to my home after a short while and gave the card to me. I still didn’t believe it was real until I called the number on the card to active it. I then gave my information to validate the account and to my surprise I was told by the representative on the phone that “yes it was the right card.” My response was, “then why wasn’t this card sent to the right address?” The rep. on the phone was speechless and had no real answer to give to me. I then told the rep to update the address on my personal account “ONLY” and make sure that it does NOT affect the business profile. He assured me that it will not affect anything.

A short while passed and then I received my statements in the mail. To my surprise they also sent the business statements to my home when they should’ve been sent to the business address. The same address and information I told the guy on the phone “NOT TO CHANGE.” So I called on the phone and asked them to change the information and to make sure that they correct the information to the effect that my personal information and personal account is not mixed in with the business account. I was told that the issue will be fixed.

A short while passed again and now they send my personal account statement to the business address when they assured me that the issue was resolved to where my personal bank account profile was separate from the business bank profile. I then got very upset with Well Fargo and found that I was wasting my time with these people. I called back again and got the regular 1st level rep on the phone and found out that they couldn’t resolve the issue, so I asked to speak with someone in charge like a manager who can fix the issue and assure me that the issue would be solved. So I got this manager on the phone and I basically told them they need to fix the issue at hand. This person assured me that the issue would be a permanent fix.

What I then saw was that whoever designed their system was “drinking alcohol” while working. Their system is in a total disaster. They pools your personal banking information and your business banking information “UNDER 1 PROFILE.” This is a big flaw. When getting a corporation registered you have to get your business tax ID number to separate yourself from the company. The company in essence have it’s own identity separate from you and that is the way you should keep it because of many benefits. Combining yourself with the corporation is called “breaching the corporate veil” and can leave you with lawsuits that can roll over from the company to the individuals and officers of the company. So, you should “NEVER BREAK THE CORPORATE VEIL.” What Wells Fargo is doing is somehow trying to let us breach that veil. You cannot combine company and person together, and further more the personal accounts should never affect the business accounts or vice versa. All business profiles and accounts should be kept “SEPARATE” from the personal accounts and profiles. When we brought up this issue with Bank of America, they said to us that “our personal accounts and profiles are separate from the business accounts and profiles.”

To continue story, I suspected that the issue was not fully resolved. So I took a trip to the banking center. To my surprise, I was right. They “DID NOT” fully fix the issue. By this time I was boiling in anger because this bank is incompetent and now becoming very rude. The business banker told me that in order for me to update the address on one of the business accounts and to have them fix the screw up that they did, that I would have to answer a series of questions. (The reason for this is that when they did the merger and acquisition with Wachovia, all our information was never sent over.) This even got me more upset. I said “WHAT do you mean answer questions to update the business address?” She wanted me to answer how much money we made last year, how many people in the company, along with a bunch of stupid unrelated questions. It was more like we were applying for a business loan to just update the business address on file that they screwed up. I told them that we are “NOT” going to answer those stupid questions to just update a simple issue like changing the address back to what it have been for years before they screwed it up. I asked for the manager and he came over and did the same crap, to the effect to where “hey we really would like to help you but we really don’t need your business.”

The outcome was I told them to close the accounts. Right now there is 1 business account left and it will close soon if they do not respond to this issue at hand.

So I asked the manager, what if I went to the bank where the account was opened do we still have to go through the same issue, his response was “yes.” This was even more ridiculous because they should have the paper work that was filled out when we opened the business account. There is nothing much different than just a different name (Wells Fargo Bank) and some changes in the system. And speaking about their system, the customer service manager told me on the phone that all the issues that we the customers bring to them gets put into a que. My question was, “what are we, lab rats for Wells Fargo?” Wells Fargo should have their system fixed by now especially since they have the money and hired the best people in the industry (yah Right) to ensure that there are no issues like this. Keep in mind that they have been around for over 160 years. LOL (Laughing out loud) LMAOROTF (Laughing my ass off rolling on the floor)

On a serious note and to take things further, if Wells Fargo is reading this message, “If you do not attend to this issue at hand, we will go viral with this story.” Viral meaning super internet viral, and keep in mind that we are also a Marketing and PR company. We would like for you to contact our office and speak with someone in charge so we can attend to these issues.

For some time now the cable companies have been experimenting by offering phone services to consumers and businesses. They have put a lot of pressure on the traditional companies like ATT & Verizon where these companies had to drop their prices and offer more to their clients. We have tested the 2, the traditional phone company provider and the cable company provider for phone service and our advice is to stick with the traditional companies. Why? They have been doing it for years and they are not experimenting, their main focus is deploying new customers. Rather, on the other hand the cable companies experiment, then they experiment, and then they do more experimenting at “your expense.” Meaning you pay for their service when it stays up and when it goes down.
One company that comes to mind is “Brighthouse Networks.” They are by far “the worst” cable company when it comes to reliability and when it comes to the phone service, they fail miserably. Their phone services went out at least 2 times this year leaving possibly over hundreds of thousands of Central Florida customers without service. Keep in mind that they service over 1 million Central Florida homes alone, not to mention the amount of small businesses that rely on them. What does this mean? Customers who had their service “could NOT” make or receive phone calls. So if there was an emergency and you had to dial “911″ for help, forget about it. The phone would not work. Having said this, this goes against the E911 compliant requirement. A so-called phone company like Brighthouse Networks is supposed to provide a way to make or receive emergency calls in case of an emergency. In other words, why do they have you fill out the E911 compliance form? Surely not for a “CYA” (cover your ass) on their end. Well that is part of it but not the whole complete thing.
What does this means to business owners who have Brighthouse? When they have another outage, your customers cannot reach you, and you cannot reach your customers. If there was a fire, or theft, or some other emergency and you relied on that phone line you had with them to alert the proper authorities to the emergency, it would not.
What do you do? “Switch companies.” If you value your company, your safety,the safety of your employees, etc… switch to a company that have proven to be successful all these years in providing phone services. ATT, Verizon, Sprint, are examples of companies that have a business model centered around providing reliable phone service. Don’t just pick a phone provider based on price. Cheap is not always good, sometimes too cheap can cost you more. The thing is “that more” can be your life, now put a price on that .
Another issue that was very astonishing was the fact that the last few times Brighthouse Networks had an outage on their phones that affected their entire central Florida area, it was never mentioned on their News Network which is Channel 13 News, which broadcast (or repeats) 24 x 7. In other words, they are a cable company that offers cable services, internet services, phone services and news services.

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So we got an email from someone who was not one of our clients and someone who we have no clue about stating to buy their stock. Notice how they are not spam compliant. No way to remove ourselves from their list. This email and stock VIBE comes across as a pump and dump. For those of you who are not familar with what a pump and dump is: It’s a method people use to hype up a stock to more than what it is. Get the price to a certain price and then dump it back. This normally causes loss of money to innocent people. These are stocks to stay away from because they will cause you BIG MONEY.

All they are simply doing is issuing press releases to get the stock to go up. After looking on their corporate site (which happens to be a .info site), all they have is a website. There seems to be nothing happening for that company. Most reputable companies don’t use a .info for a domain name.

The copy of the email is listed below:

Sent From: jacco damman
From Email: jacco_damman@hotmail.com

To all of my friends who didnt have the opportunity to see me on the six o’clock news last night discussing my blog, and financial-success story. I am forwarding you the News report, so you can read the entire story on how I became financially independent and wealthy.

I couldn�t believe this either but I did it. I bought this stock that my friend told me about and I made $30,000.00 in 2 days and before that I made $12,000.00 in 4 hours! I am only investing $1,500. You told me if I am going to buy another stock to tell you.
It is Vidable Inc. the symbol is VIBE it�s trading at .05 (five cents) this company could hit $1. I am buying 50,000 shares. You should buy it this time; you�re always saying that you need to make money. Buy VIBE.obb if you don�t, don�t ask me about another stocks again.
You have to buy VIBE. Call me later, let me know if you pick some up.

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Ubiquity Servers stole company and clients data. Not only did they steal it, they refused to give us back the data they took from us.

A little background information on them: they are owned by Nobis Technology Group and Ubiquity Server or Ubiquity Hosting are subsidiaries.

It all started with them shutting down our servers that we leased from them. They shut down the servers without any given notice. Now remember that we had business operations being run on those servers along with clients business operations. We asked for them to re-active and to let us try and resolve the issue that they had and it ended up that one of their reps told us that they don’t need our business.

We responded by stating that we referred customers to them, it didn’t matter to them either.

We told them that when the customers that was referred to them ask about them and their service that we will tell them how we were handled by them, so to resolve the issue in a positive way. We also said that it can hurt their business due to the fact that it is bad publicity. They saw this as a threat to their company and the issue went from a suspended service to a termination of service. They terminated all the services that we had with them. No advance notice, no courtesy to backup the data, nothing…!!!!!!!!!!

We asked for the data back off the hard drives. They said “NO”. Keep in mind that we also offered to pay.

When asked to speak to a supervisor to resolve the issue, they denied the request.

We told them that if they don’t give us back our company data along with our clients data that they may have a lawsuit, so to simply give us back the data they took from us and our clients. They responded by saying “don’t call back again ever, don’t contact them again”

Now here are the facts. The servers belong to them. The network is theirs. The data belongs to us and our clients (some of which are thinking about a lawsuit). All they had to do to resolve a simple issue like this was to give us back the information off the hard drives on those servers and end things on a “POSITIVE NOTE.”
Now all this drama and unprofessionalism due to “1 guy in the company” who used his ego to explode a simple issue like this. After all those negative remarks, results, encounters from them, we told them let’s try to be positive and resolve this in a peaceable manner. Based on the results so far, it looks like they don’t like to be positive or end things on a peaceable note.

NOW WHAT IF:

What if we had told them that the information would be posted on our company blog which is constantly indexed by the different search engines?

What if we told them that the information would be put on twitter to over 40,000 + followers (and counting) most of which are businesses or business oriented people?

What if we told them that we would make a complaint against them to the BBB?

What if we also told them that we are a “marketing company” and could issue a press release about their service that could end up in multiple news databases?

What if we told them that we would submit reviews to different web hosting forums?

What if we told them that we could write an article about them and submit it to the different article databases where thousands of webmasters would leach off the information and put it on their websites creating thousands of bad publicity for them (in under 1 week)? Not to mention the other website owners that would leach off from each other.

What if we told them that we could create a video about the service that we received from them and submit it to over 100 video site databases like “YouTube” where thousands of other users could see it?

What if after all of that, we follow through with a lawsuit and sue for damages, loss of income, etc? Not only us but only clients would join as well.

CALL TO ACTION:

1. We filed a BBB complaint against them via the Better Business Bureau hoping that they could resolve the issue (since Ubiquity told us not to call them back again), and they did not respond or gave a resolution to the issue. Keep in mind that they have an “F” rating according to the BBB’s Website http://www.bbb.org/central-illinois/business-reviews/internet-services/nobis-technology-group-in-bloomington-il-90003793
2. Well of course post this information on our company blog.

3. The information is already on twitter available to over 40,000 followers.

What’s next?

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What is the difference between spam and bulk email? Many people ask this question and are often confused. Even though they are both emails, they are not the same. One simple reason that separates the two is “THE LAW.”

When someone sends a spam email, 99% of the time they often don’t value the law. They also don’t vale the respect and privacy of others especially when it comes to the ability to opt-out from future emails.

They use misleading email titles just to get you to open the emails.

They forge the email headers to trick the recipient server to allow the email to enter the recipient’s inbox.

They don’t provide any phone numbers, mailing address or email address so that people can communicate with them to be removed from their email list.

They sometimes send phishing or virus emails to make your computer into a zombie where they can control it for their monetary gain where you become the victim of theft, even identity theft.

The most advance spammers use ways to hide themselves as to use botnets to send spam. Some botnets are capable of sending over 500,000,000 emails per day and more. Some of those botnets are regular people’s computers that are infected with viruses that they use and mask themselves to send spam. We will explain this in a later post because it gets very technical.

On the other hand, getting an email from someone or a company that follows all the laws is “not spam”, rather it’s considered “bulk email”. With bulk email the sender is required to:

1. State who they are.
2. Give a precise email title and nothing misleading.
3. Notify in the body of the email what they are offering which must be similar to the email title.
4. Cannot use misleading header information to trick the server or the recipients.
5. Give different removal options such as:
a. Instant opt-out function where someone can click a link to be removed from the database.
b. A phone number to call and asked to be removed.
c. A mailing address so that people can send written notice not to be contacted again.
d. An email address where people can send an email to asking not to be emailed again.

Now the next time you receive an email you can quickly determine if it is a SPAM or a BULK EMAIL.

You can find out more information by visiting the government site http://business.ftc.gov/documents/bus61-can-spam-act-compliance-guide-business

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Ubiquity Server which is located in Chicago, IL also found on the web at http://www.ubiquityservers.com/ is the worst datacenter that we have ever done business with “EVER.” We would not even recommend them to our worst enemy or even our competition. To begin with their service is unpredictable, starting with their network, their security, and most important the servers that they lease to their customers. Due to their incompetence they have caused us to lose customers and money.
One of the servers we leased from them apparently had an outage. It took over 1 week to figure this out after the server kept going offline. Of course they just said to reboot it, or it could be a script running. Yah right!! It turned out that the motherboard on the server went out. Now here is where it gets interesting, they never had a replacement motherboard to put into the unit. Keep in mind that most legitimate datacenters have a monitoring system setup to monitor server hardware issues, not to use the customers as a guinea pig or a test dummy. They told us that they would have to order a replacement part that would take 3 – 5 business days for it to arrive. Remember that this was a working server with business and client data on it that are required to run different client operations. Of course we told them that it was unacceptable and that we needed a resolution ASAP. It took them about 2 – 3 days for them to give us another server that was a different brand. Now here is where it gets more interesting…..
The server they provided had different raid architecture than the previous server and now it gave an issue for them to get the data off the old hard drives. It took them another 1 – 2 days for them to tell us that their senior techs could not retrieve the data. WOW!!!!! Their senior tech was located in India, not in the USA. Another WOW!!!! Neither that person or any of their techs in the USA could retrieve our data off the hard drives. (Then in the midst of that was saying that the data was our responsibility).
To resolve that issue, we had to get our technicians to retrieve the data. The total process took almost 2 weeks to get things back to where it was before the server’s hardware failed.
To summarize everything, Ubiquity Server kept quoting their terms and conditions. Funny thing is when we paid them monthly for the servers there was no mention of their terms of service .
So as stated above, we would never recommend them to anyone. As a matter of fact, stay away from those guys.

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The question many people often ask themselves is, how did card service get my information?

There are a few place where they get information like this. At the top of the list we will put Craigslist. In our next post, we will show you how dangerous posting on Craigslist can be at times. Craigslist is not the only site. What these modern day scammers do is something called “scraping.”

I’m very sure Craigslist know about this, and it’s time for them to do something about it. What is the sense of using the site when your information is handed over to scammers?

Well what is scraping? Scraping is mainly done by using bots (softwares that do repeated tasks as humans) that constantly scans websites like craigslist and gether information that is stored in a database. Then once the information is stored, it’s then filtered and they keep things like: your emails and phone numbers. These are normally the things people use when they put an ad on Craigslist.

The information is then imported over into their calling list. Most of them use VOIP servers that have VOIP SOFTWARES setup that can easily import the data. Once the data is imported, they then use VOIP PROVIDERS that gives them SIP TRUNKS (voip phone lines). These sip trunks normally allow what is called “CALL MASKING” which gives them the ability to change their phone number to even bogus phone numbers. So when they call out, it shows up something different on your caller id. It may allow show a phone number that when you call it back, it my be programmed to HANG UP ON YOU.

Card Service scammers are so stupid and lazy that, they don’t even cross reference their data against the Do Not Call list. Which is even more reason whey there should be a class action lawsuit against them.

It’s full time for the U.S. Government and the FBI to get off their ASSES and put that SCAM company out of business and in jail. They need to stop bugging peoples phone and go after the real scam.

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Fonality Review

Fonality Review from a customer of theirs.

Fonality should stick with just doing software development rather than experimenting with phone service. It is something that is 101% out their business model and something that they are incapabale of doing successfull. This is not an OPINION, its our story with them thus making it a FACT.

We decided to try Fonality based on a few things:

1. Their services at the time seemed reasonable but then we found out that cheap = downtime and excuses for lack of proper service.

2. Their sales person “(name removed as per person’s kind request)” make a lot of promises that sounded so promising but in the end turned up to be half lies. Even the part about referral payments for clients referred to them.  From our experience, their sales people who make false promises as to say “refer us some people to take advantage of our ‘expiring offer’ and we will give you “x amount of $$ per referral”.  We are still waiting for the check in the mail since then.  When we contacted this person about “keeping their word” they came up with some lame excuse as “hey I got promoted and you have to ask someone else about that”.

3. Their billing department was available during the beginning, then NO ONE was available for about 3 weeks. You had to leave them voicemails or send emails to discuss a billing issue.  It seems that their billing department has about 2 – 3 people working in it but they boast about have over 5,000 clients.  The question is, how can such a small billing department handle all the billing request of that many customers.  Keep in mind as per one of their billing person recently, they just hire more people due to the overwhelming new boom in business????????

4. We were told by their sales people that some of their support personel left companies like “Packet 8″ and other companies to work for Fonality. But, when you call these support people, 90% of the time you CAN NOT get them on the phone.

5. We ported a number in to them, but when the port finally went through, they DID NOT set it up in their system which resulted in over 1 week loss of important calls and business.  (Name Removed) from their porting department came up with excuses saying that it was our job to call them and that it was our responsibility.  If this were so, why is it that they are the first ones as a ‘wannah be’ phone company that ever came up with this excuse?  We’ve even done business with smaller VOIP companies before and never got a lamer excuse than that.  Obviously they clearly don’t believe in “the customer is always right” even when Fonality was clearly wrong and tried blaming us for their crap.  The person from the porting department also never even apologized for their lack of.  She then started to blame the support department and asked me to call them to resolve the issue.  She was also  blaming the support department saying that they were responsible for setting up the number in their system.

6.  Their call quality sounded good at first but then even that started to go down the drain.  They tried blaming the ISP (changed it 2 times), and they blamed the routers (changed that too).  The real secret that is hidden is we found out after making a phone call to an Associate that Fonality is using Broadvoice as a backbone provider.  For those of you who don’t know of Broadvoice, they are a company like Vonage, BUT their call quality is horrible and their customer service is worst than their service.  They also have issues with porting away numbers from them.  They actually deny ports and we have proof of that too since we were once Broadvoice customers and had a rumble with them.  Just to further inform you, GNAPS (The carrier) and Broadvoice have the same owners.  (We will write a review on broadvoice soon)

7.  They seemed organized and had it together at first (all sales talk) BUT, when we started to face issues we started to get the run around.  From sales, to billing, to support, to porting.  We did have a big issue when we got some new numbers at first from them and found out the next day that the numbers stopped working.  This happened several times with different phone numbers issued by them.  It took about 3 days for them to fix something as simple as giving WORKING NUMBERS to use for doing business.  We got so frustrated that we almost called their carrier (because they made a big mistake and forwarded us an email with the carrier information – which is to show you how dis-organized they are).  They were using Inphonex or Varphonex for the DID’s (phone numbers).

To top things off.  Not long ago they had a NON WORKING NUMBER on their site (keep in mind this was the number we used to contact them all the time) and when we called it, it was giving some bogus messages.  How can a phone company have a none working phone number?  A phone number (DID) only costs about $1 or less plus trunk or minute usage.

Overall we rank them as a 1/10 due to all these issues.  As mentioned above, they are better offer sticking to software development (which they are good at) as they are the developers for Trixbox which is used for VOIP Phone servers.  Fonality seems to want to put other VOIP companies out of business (as per the proud sale talk), but the way they are going now is down a road of putting themselves out of business and possible some of their customers.  We lost business due to their lack of.

For now Fonality’s business phone service is more bark than bite and we would like people to learn from our experience before jumping to a company based on only price and nice sales talk.  At the end of the day, when you have a business to run or operate, you need your phones.

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Text Messages, Metro PCS gives you unlimited international text message. Sprint charges you $0.20 per international text message sent or received.

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