Gibson Trust Inc does not deliver the services that they say they will. They will ruin your life if you even think about using them to help you get out of debt.
We saw Gibson Trust's impressive web site on the internet. They tell the potential customer everything that they want to hear. They work real hard to get you in and make you believe that they will take care of everything and you don't have to worry about a thing.
We were in debt by over $41,000 when we first filled out our credit information at Gibson's web site. Within a day or two of filling out our information we got a call from a woman named Lisa Colbert. She told us how Gibson Trust could help us get out of debt in about 48 months and that they could lower our monthly payments by working with our creditors and getting an acceptable payment plan going with them with lower interest or no interest at all.
She told me our payment each month would be $1037.00 to Gibson Trust and that they would distribute the money to all of our creditors. She encouraged me to start sending them the payment right away. The sooner Gibson Trust got our payment, The sooner they could start paying our creditors.
Lisa Colbert faxed the contract to my husband's work for us to read and sign. She said we could sign up this way and get the program going. We recieved the contract pages by fax and signed them. We did not know at the time that Lisa Colbert had not faxed us the entire contract. There were pages missing that we did not see. Lisa Colbert said that she would mail the original contract pages to us.
Within a week of signing up with Gibson Trust, Lisa Colbert called me and told me that she was informed by their underwriters that the monthly payment that she quoted me on the phone would not be enough to propose to our creditors. She said that she had been told that Gibson Trust would need a monthly payment of $1,150.00 to pay our creditors.
We did recieve the orignal contract in the mail with additional pages that we had not seen when we first signed up with Gibson Trust by way of fax. Of course we had a right to cancel with in 5 days of signing up with them, but the 5 days had already passed when we recieved this part of the contract in the mail.
We were not thinking about canceling with Gibson Trust at that time anyway. So it did not bother us to recieve the cancelation policy past the 5 day period that was allowed.
Lisa Colbert had told us everything we wanted to hear and we took it all, HOOK! Line! And SINKER! She had really impressed me with how much Gibson cared about helping people and I thought that she was a honest very nice person.
I was very very wrong!!! After Gibson Trust started to get our money, They did not pay our creditors as Lisa Colbert had told me they would. I got my statments in the mail and they would show that NO PAYMENT had been made! Of course I called Gibson Trust and wanted to know what was going on.
It took along time to get through to them on the phone and when I did, I was told that my first payment was held and would not go to our creditors. They always hold the first payment. But that we would get it back when we finished paying our creditors using their service to pay them off. So, I figured, okay then my next payment would start going to my creditors. NO WAY!!! The next months statements that came in the mail showed NO PAYMENT had been made, AGAIN!!!
I was real upset and concerned and tried calling Gibson over and over. I could not get through on the phone. It would take many hours of trying before I might be able to speak to someone. When I would get through, I would be told that all this was normal and that they would takew care of it. I had accumilated late charges to my accounts and was told not to worry. It would all be taken care of!
Well, We signed up with Gibson Trust in December and made our first monthly payment in December. When paid Gibson on time every month by way of ACH deposit from our checking account. They did take our money out of our checking account every month. But, they were not paying our creditors.
By the end of Febuary we had additional debt of over $2,500 due to Gibson's non payment because of late charges and then because the late charges caused some of our accounts to go over the limit, we were also charged an over limit fee as well!!!
We stopped trying to call Gibson Trust because we could not get through on the phone. I started to send them e-mails. They would not respond to my many e-mails about our concerns. We faxed our statements to them, showing that No PAYMENT was made to our creditors as well.
I kept e-mailing and calling them.
Once, when I finally got through on the phone i got through to a many who said his name was Gary (He had a English mans accent). He assured me that he was going to get to the bottom of this and the he was putting our account into a full account review right away! He was very reassuring. He said it would all get taken care of and not to worry about the late fees.
So, Like a dummy, I continued to let Gibson Trust take money out of our checking account. Well, They did not take care of anything!!! After a few more weeks, I kept calling and when I got through I was told again by someone named Kevin that he would see to it that our account went into a full account review. I told him that is what I was told last month!!!
I sent many e-mails to this company with no response!!!
We finally, got smart and e-mailed Gibson Trust that we did not authorize them to take anymore money out of our checking account and that we wanted out of their terrible servive because of their non performance. They provided NO SERVICE!!!
Of course after that we get a call right away from a man named Felix Alveraz. He told me that he was the quality assurance manager. I told him were no longer wanted their service and that they did not pay our criditors on time and now we owed an additional $2,500 because of them. They also destroyed our credit!!!
When Mr. Alveraz knew that he could not convince me to stay with Gibson Trust, He became very rude to me on the phone. He yelled, "What are you gonna do about Providian? Do you know how many payments you are behind to them? If you don't let us help you, You're gonna be in alot of trouble!"
I felt Felix Alveraz was making a threat to me.
I became upset with him and hung up the phone on him.
The really crazy thing about his statement to me was that before we signed up with Gibson Trust, We WERE NOT BEHIND on any payments to Providian. Gibson Trust is who got us behind by not making our payments.
We pulled out after 4 months with Gibson and $4,600 later.
We were taken by these rip off cons! They finally did start paying our creditors, but they were late and the damage was already done to our credit, which was very good before Gibson took over paying our accounts.
We demanded that they return our first payment of $1,150.00 that they held back from our creditors and that we were suppose to get back when we finished the program.
Gibson Trust refused to give us back our money. It has been 1 year and 5 months since we were ripped off by Gibson Trust. I have not given up fighting for the return of our money.
I have filed many complaints with the Florida BBB, The federal Trade Commission, and with the Florida Attorney General's Office. I have been in contact with a media called Money Talks and have told them my story. The Florida Attorney General's Office is doing a investigation on Gibson Trust. They have recieved many complaints from people who have all had a similar experience with Gibson Trust.
I encourage any one who was scammed by Gibson to call the Florida Attorney General's Office and report their story to them. The Attorney to contact at this time is Marta Mokley. Do what ever you can to get the word out about Gibson Trust. They must be stopped from preying on desperate people who are trying do do the right thing and payy their creditors.
Do not use their service! RUN as fast as you can when you see the name Gibson Trust! They will take your money and destroy your life. They should be locked up for what they are doing to people!!! I told Gibson Trust that I will never give up and that I will be a thorn in their side until they do the right thing by returning the money that they took from us when we quit with their terrible service.
I figure, that Gibson couints on the customer quitting and then they think they can say, " OH! You quit with us so now we don't have to return your first payment back to you like we said we would if you finished paying off your creditors using our service." It's in our contract! By the way, That was one part of the contract that we never did see until 9 months after signing with Gibson. They are con artists, rip off artists, and mislead people.
I have not given up in all this time and if you have been ripped off by Gibson Trust you should not give up either! I am making head way, I think. Gibson has told me that they are going to return my money soon. I can't believe it until I see it, so I am not counting on it. Keep complaining and sending e-mails to Gibson if they have not provided the service that they said they would. I have been e-mailing them for over a year now and complaining to every complaint site and governmaent agency that I can.
If we all start being a thorn in all these peoples sides, SOMEONE IS GONNA HAVE TO LISTEN and do somthing about shutting down this deceptive company.By the way, their company is a small office in a rented building, and they have a mail drop at mailboxes Ect... I think that this operation is run by only a few people, but can't be for sure. I hope that Gibson Trust will be shut down and prosecuted for misleading practices. Stay as far away from them as you can!!!
Ronda
Edmond, Oklahoma
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