I was introduced to Mr. Charles Emeogo by Kehinde Decosta-Lawrence (Peter) in September 2007. Charles was a alledge real estate investor and he had several properties he was trying to purchase. He wanted to partner as an investor to purchase the property and they would only need me for six months and Charles would pay everything off within 6 months. In return, they would give me 6% profit. He stated that the business belonged to him and his wife and that they had been in business for a long time. He said that the company was strong and they would not want me to be a business partner for very long. Charles said that in order to make a strong loan case that I need to get the loan in the business name (Tamino Tech, Inc.) and therefore I needed to become a partner to his business. He stated that this would only be to complete this loan and I would be released from the company within six months. Charles adding me as the CFO of the company without my permission on 9/16/2007. On September 11, 2007, I received an email from Peter asking me for my income and social security information because Charles needed this information to proceed with the real estate investment. On September17, 2007 I received an email fro Charles saying that he needed additional information (i.e. tax returns, check accounts, etc.). He informed me that this was the beginning of the process for the real estate loan of $250,000. He contacted me that two loans had been approved and he was awaiting on the other paper work to go through. A few months passed and I contacted Mr. to inquire about the loans for the real estate property and he said that he was unable to receive any additional money to purchase the property. I informed him I did not want any credit card or debt attached to my name. He said that there were not any credit cards and that everything was not in my name. In April 2008, I received calls from the collection agency with Wachovia Bank saying that I was default on a credit card payment in the business (Tamino Tech, Inc.) I attempted to called Charles to inform him and told him I was not aware of any credit cards. The telephone numbers he had provided me for the business and his cell phone were all disconnected. So I email him on 4/15.2008 and ask e he would provide me all documentations containing all loan information that had my name associated with it for review of loan amounts. Charles responded on 4/16/2008 that he would be happy to provide me all documentation and that he would be back in the US on April 28, 2008 which was a Monday and we could meet on that following Tuesday. He never showed up or called me on that date to discuss requested information. I called Peter to inquire about his whereabouts since I did not have any contact numbers. Peter said that he contacted him and that his daughter was in the hospital in a coma in Japan which why he had not been in touch. Since I had not heard anything from Charles again, I contacted him via email on May 23, 2008 and ask him to again send me the requested information and informed him that I was received calls from Wachovia Bank stating I was two months behind on the credit card payment. At this point I was beginning to think I had been scammed and asked him to please contact me to discuss these matters. Charles still did not respond to my request from him to contact me regarding the credit cards. On 5/23/08, I contacted Peter via email franticly and express my concerns of whether or not I was being scammed by the both of them. I also let him know I was disappointed and wanted released from this scandal immediately. Peter contacted me via email on 5/28/08 saying how he couldnu2019t believe how I was going on knowing Charlesu2019 daughter was in a coma, and how I value money more than life an that he saw an opportunity for me to make money so thatu2019s why he introduced me to Charles, and that was his only involvement and to leave his name out of it. On June 2, 2008 I emailed Charles again to let know that since I had not been able to contact him with the numbers he had provided me and he had not returned any of my emails, that this was a final attempt to contact him before turning this matter over to the police for further investigation. 6/2/08 I called Wachovia Bank to report a credit card fraud and start an fraud investigation 6/6/08 u2013 I received a called Wachovia bank stating that adjustments had been made to the account and my name was off the account. I again reiterated to him that I never authorized this credit card and I wanted to continue with the investigation because I was aware of other credit cards that Charles had received in my name without authorization. I spoke with a Todd Hale with Wachovia (704-50-2576) who said he would resend me the fraud investigation forms and that the case was closed. Documentation was mailed to me on 6/23/08 in which I completed the necessary forms and returned the affidavit to the bank in the envelope provided. 6/10/08 u2013 I received a call from Bank Of America (BOA) stating that I had a credit card balance of $28,120. I explained to them that I did not authorize this credit card and I wanted to start a fraud investigation. On June 10, 2008 I once again email Charles to let him know I was receiving calls for other banks stating that I was behind on credit card payments, I again requested that he send me loan documentation of all accounts associated with my name. I let him know I was not aware of any credit cards, I thought we obtaining bank loans for the purchase of a real estate investment which he has never purchased. I also asked him if we were business partners, why couldnu2019t he contact me personally regarding this matter? On 6/10/2008 Charles responded to me saying he would fax me copies of all documentation associated with my name; documents from the bank, etc. in 30 minutes. He faxed me a five (5) page document from Wachovia Bank that had no dollar amounts; all pages were blank with only my signature on the last pages that were not my signature. On 6/10/2008, Charles emailed me to give him the accounts #u2019s for the banks because they were changed and he could not make a payment. I responded via email that I did not have any account numbers for any banks. 6/10/2008, Charles emailed me stating that he promised by the end of next month all loans would be paid off an closed if I could just bear with him because he was under a transition period. On June 11, 2008, I filed a police report (#08-13-0332-00) stating that I was a victim of credit card fraud. On 6/12/208 I received a copy of an email from Peter who was apparently asking Charles what was going on and why he had not contacted me and that all his numbers had been changed. 6/30/08 I called Bank of America regard the fraud investigation. I spoke to a Mike Thompson who said that it was filed on 6/10/08 and that an investigator would contact me with 30 days. If I did not here anything, I needed to follow within 30 days by July 10th, 2008. 7/1/08 u2013 I called BOA regarding fraud investigation who informed me that I was assigned to Cassie Cooper at extension 2402. I left her a voice mail regard the investigation and to contact me. 7/22/08 u2013 Called Cassie Cooper again to follow up with the investigation; was not able to reach her and left another voce mail message. Customer Service said they would send her an email to contact me. I received a letter from BOA that was sent out on 7/3/08 stating that they were unable to approve the fraud claim because funds included in my fraud claim were deposited into and/or withdrawn from an account in my name and I was responsible for the balance. I received a letter from BOA that was mailed on 8/8/08 stating that my failure to pay the past due amounts has been deemed as refusal and they would be subjected to progressive collections efforts allowed by lay. On 8/15/08 u2013 BOA deducted $29,584.42 from my personal checking account. On 8/18/08 – I called BOA again and asked to speak to a manager regarding this matter. 8/19/08 to say he would not be able to put the funds back into my account and that the investigation was closed and I would have to take this up as a civil matter. 8/18/08 – I called Peter to let him know what was going on and if he could somehow find a contact number for Charles. He said he knew his brother (Victor) and he would give him a call and ask for Charles number. He called me back with a telephone number for Charles. I called Charles at 404-539-100. He answered the phone and I asked him what was going on and why did he change his phone numbers? I also explained to him that BOA contacted me regarding none payment and that they had put a freeze on my personal checking account. He asked me to email him the payoff details and total cost to bring it up-to-date. I asked him what email address he wanted me to send it to and he said to send it to [email protected]. I sent a copy of the statement to him at the provided address on 8/18/08. Charles texted me back stating that he would be in town until the end of the week. 8/20/08 u2013 Charles emailed me to say he had just come to Atlanta and was working on the money and would call me soon. Charles texted me at 11:50AM to say he would be at the bank in 1 hour and would call me to meet him at the bank. 1:44PM, Charles texted me to say he was still at the bank and working on resolving the money. Charles texted me back at 2:14PM and said he was working on the money and meeting would solve anything; and that he was having money wired to him and was awaiting for it to become available. To date, he has never paid me back. If you run into Charles, he will most likely be running a scamm and off with you moneis before you know it. BE WARE.
Credit Card Fraud