To understand the fraud in this case, you have to know the difference between the fraudulent BILL dated 6/22/07 from New York Resident Publication and the PROPOSALS that I signed.
The 10/24 PROPOSAL covering 11/06/06 through 1/08/07, was paid for by check in the amount of $5,000. The proposal covers nine charge dates on the BILL for a total of $23,600 in fraudulent charges.
There is no PROPOSAL covering the bill dates of 10/02/06,10/03/06,10/06/06,10/13/06,10/27/06 and 11/03/06 and these charges are fraudulent. The dates on the BILL and the dates on the PROPOSALS do not match up and they were billed everyday on various days including Sunday when they publish on Monday.
The 12/06/06 PROPOSAL covers 1/01/07 through 1/08/07 for $1,200 charged on my credit card. The 1/06/07 bill charge is fraudulent at $5,400.
I did not publish any letters after January 08 so the remaining charges on the BILL of 6/22/07 and dating from 1/14/07 to 3/19 are fraudulent and they total $67,450.
The 6/22/07 BILL from New York Resident Publications totals $100,950. Charges on my credit card ending in 0903 total $64,100, why the difference? It should be noted that there are no invoices or proof of charges to support the bill.
This company is known by a variety of names:
A. New York Resident, Inc
B. New York Resident Magazine
C. New York Resident Publications
D. Resident Publications, A Division of Encompass Media Group
Maurice Boatwright, the only person I dealt with at New York Resident Magazine was fired. According to Maurice Boatwright himself, he was fired because he disclosed these entities were stealing money from customer bank accounts and credit cards, which is what they did to me. Maurice Boatwright said he would send me a copy of each magazine in which I had a published letter. He sent me three magazines out of the 26 they say they produced.
For your information, it appears that Bank of America bought this credit card debt from Mercantile Peninsula Bank, which was purchased by PNC in the midst of all these fraudulent transactions.
I filed two affidavits of fraud and Bank of America and FIA Credit Card Services reversed the decision of no fraud and subjected me to all these fraudulent charges.
Prior to these charges, I had a credit score of 775 on a scale of 800. Now, Bank of America has reduced my credit limit to $500 which I have closed the account. They reported to the Credit Bureaus that I owed $158,000 on the credit card that had a $70,900 credit limit.
I have written numerous letters to FIA Credit Card Services and Bank of America Chairman, Ken Lewis. I have those letters at your disposal if need be. I have also written to the Comptroller of the Currency and also the Attorney General of New York.
FIA and other creditors have contacted me, threatening me with legal action.
The fraud on my credit cards concerns New York Resident Publications also known as Encompass Group, Ken Lewis, President and CEO of Bank of America and President of FIA Credit Card Services.
To understand this matter you must know that none of the aforementioned entities obtained a judgment against me and no one else has ever had a judgment against me.
New York Resident Publications, with only two signed proposals used to place advertisements in the magazine, does not have the other twenty-four proposals they say I signed. The first proposal I paid five thousand dollars by check and the magazine illegally took twenty thousand dollars out of my Shore Bank checking account using a cash machine and the information from my check. The second proposal for twelve hundred dollars I used my Visa credit card originally obtained from Peninsula Mercantile Bank. Without my authorization, the magazine used the credit card numbers to charge about $100,000 of fraudulent charges on my credit card.
The only part of the New York Resident Magazine and Encompass Media Group I dealt with and the only person I ever spoke to was Account Executive Maurice Boatwright at New York Resident Publications.
From this memo you can deduce that Mr. Lewis authorized a $155,000 charge against my credit card which had a $70,900 limit. I sent Mr. Lewis probably a dozen certified letters addressed to him at Bank of America and also to FIA Credit Card services which were signed for by his corporate officers.
When I called for Mr. Lewis these officers would put me on hold, then come back to the telephone line and say Mr. Lewis would not speak to me. I did speak to Arthur McClure and three other people in Mr. Lewis' corporate office who said Mr. Lewis knew about my case and had authorized the $155,000 charge against my credit card. I timely filed the affidavits of fraud and was initially told I would not be responsible for the $155,000 fraud against my credit card. Then Mr. Lewis changed his mind and said I was responsible for paying the $155,000 charge against the credit card. I paid the insurance to Bank of America that was supposed to protect me from being liable from fraudulent charges on my credit card. The bank's policy according to their literature is not to charge you for fraud committed on your credit card.
Because he placed the $155,000 charge as a P & L Loss against my credit card in the credit bureaus. I was given this reason by five banks that turned me down for loan applications.
There are other publications New York Resident Magazine charged me for but they only sent me two magazines in which my letters were published. The procedure was that there should be a signed proposal for every letter or group of letters that I sent to them and the agreement was they would send me a copy of every magazine that contained communications that were published for me.
So, all the entities mentioned above were involved in the fraud against my credit card.
Richard G
Parksley, Virginia
U.S.A.
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