BBB Business Review

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This business is not BBB accredited.

Additional Locations

Phone: (800) 787-1127 Fax: (800) 303-0221 View Additional Phone Numbers 790 W Sam Houston Pkwy N Ste 202, Houston, TX 77024 View Additional Web Addresses

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for include:

  • 40 complaint(s) filed against business
  • Failure to respond to 6 complaint(s) filed against business
  • Length of time business has taken to respond to complaint(s)
  • Business has failed to resolve underlying cause(s) of a pattern of complaints

Factors that raised the rating for include:

  • Length of time business has been operating
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

40 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 33
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 7
Total Closed Complaints 40

Additional Complaint Information

The BBB has received numerous complaints from consumers who applied for short-term payday loans from Several complainants stated that in exchange for these loans, they were required to give access to their bank accounts in order to allow the company to withdraw payments owed plus interest on the loans. Complainants further stated that did not fully disclose the terms and conditions of its loans which, complainant's alleged, carried high interest rates and the fees. BBB noted that in some cases, interest and fees paid to were double or triple the original loan amount.

On November 2, 2012 the company was contacted by BBB regarding its pattern of complaints. T
he inquiry also addressed the company's apparent lack of licensing, required in many states of businesses offering payday loans. BBB requested proof of licensing from applicable states for The BBB did not receive a response from the company until April 4, 2013. In the response,'s manager, Ms. Christy Finazzo only provided information as to where future complaints received by BBB should be sent. The response did not address complaint patterns or licensing issues. Furthermore, BBB's investigation revealed Ms. Finazzo was also named in a 2010 Pennsylvania Department of Banking Consent and Agreement Order against Eastside Lenders, a company which also provided internet based payday loans. For more information on Eastside Lenders please visit the website of BBB serving Delaware Serving New Castle, Kent and Sussex Counties at

Before applying for a payday loan, make sure you understand all terms and conditions of the loan. BBB noted that, in many cases, borrowers stated they were not aware of the terms and conditions of the loan. Be aware that if you release your banking information to an online payday lender, your bank account could be drafted at anytime. BBB also advises consumers to verify that the lender they plan to do business with is properly licensed to offer such loans within their state. Numerous complaints and a recent Cease and Desist Order issued by the Pennsylvania Department of Banking suggest is not licensed to offer short term loans in many states. the inquiry also addressed the company's apparent lack of licensing required in many states for businesses offering payday loans.

Please be advised that is not a member of the BBB.  However, the BBB will process complaints on both member and non-member companies.

Customer Reviews Summary Read customer reviews

0 Customer Reviews on
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: March 22, 2010
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Office of Consumer Credit Commissioner - Texas
2601 N. Lamar Blvd, Austin TX 78705
Phone Number: (800) 538-1579

Business Management
Anthony Raffo
Contact Information
Principal: Ms. Christy Finazzo, Manager
Principal: Anthony Raffo
Business Category


Alternate Business Names
AALM Consulting Services, Ltd. Archer Direct Ideal Gelt Joro Resources, Inc.
Industry Tips

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.