Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/26/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  based on my actual experience with those guys and to warn all businesses owners to stay away from those scammers.
  They scammed me by withdrawing over $**** from my credit card, promised me to provide a service I’ve never received.
  The owner **** ******* refused to refund my money or provide me any compensation.
  I’ll make sure to get my money back by all legal channels.

  Business Response

  Date: 10/29/2025

  Thank you for notifying us of the complaint submitted by Mr. ***** *****. We appreciate the opportunity to clarify the matter and provide documented context regarding this situation.

  Mr. ***** was referred to JCB Financial Services several months ago. From the beginning of our engagement, he disclosed an ongoing legal and financial dispute with his business partner, which included restraining orders and various complications over ownership and fund distribution. Despite these circumstances, we extended complimentary support by issuing a Profit and Loss statement for him at no charge earlier this year.

  At Mr. *****’s request, we subsequently added his business to our ADP payroll processing system under our wholesale partner account. Unfortunately, during payroll processing, ADP encountered three separate instances of insufficient funds in his business bank account. Each incident resulted in the following charges to our firm:

  • $*** per insufficient transaction (totaling $***)

  • Additional ADP penalty fees of $*** per attempt

  • Unrecoverable direct deposit transfers of $****** and $********

  • Total loss incurred: $********

  These amounts were the result of ADP transferring funds to Mr. *****’s employee account before discovering insufficient funds in his company account.

  During this same period, while he was involved in legal issues with his business partner, Mr. ***** requested that we connect him with a business attorney. We referred him to one in August 2025. The attorney required an escrow payment of $10,000, with Mr. ***** initially authorizing a $***** payment via credit card and agreeing to pay the remainder later. Five business days after authorizing the payment, he requested a cancellation. We explained that those funds had already been transferred to the attorney’s trust account, and therefore, we could not immediately reverse them without the attorney’s consent and confirmation.

  Shortly after, Mr. ***** began contacting several of our female employees, leaving harassing and threatening voicemails and text messages. These communications were documented internally, and the matter was addressed according to our company’s zero-tolerance harassment policy.

  In addition, we later received credible information that Mr. ***** was involved in the attempted sale of his liquor store through an incomplete and potentially non-compliant transaction, showing only a small amount in escrow and transferring the remainder in cash — apparently to conceal proceeds from his business partner.

  Despite all of the above, in good faith, and to completely close our relationship with Mr. *****, we issued a final ***** refund payment of $***** on October 23, 2025 (confirmation attached). This refund was made to bring closure to our business dealings and ensure a peaceful resolution.

  At this point, we consider this matter fully resolved. We have no further financial or professional obligation to Mr. *****. Our company acted ethically, professionally, and transparently at every step.

  However, due to the threatening and inappropriate behavior directed at our staff, we respectfully request that all future communication be conducted in writing through the BBB or legal counsel.

  ---

  Attached Documentation:

  1. Proof of ***** refund to ***** ***** ($***** dated 10/23/2025)

  2. ADP insufficient fund and charge summary (internal report available upon request)

  3. Internal communication log referencing harassment incidents (for record verification only)

  
  

  **** *******

  JCB Financial Services

  ***** ********** ** ***** ****
  
  

  ******** ******* ** *****
  
  

  **** **************
  
  **** ************  *******
  
  ******* ************
  
  **** ************
  
  

  Customer Answer

  Date: 10/30/2025

  To the Better Business Bureau,

  
  
  I am submitting this response to reaffirm my complaint against JCB Financial Services for unethical and deceptive business practices. On August 13, *0*5, I paid the firm $***** for legal assistance that was never provided. I also paid $*** per month for bookkeeping, payroll, and sales tax services. Our business relationship ended at the end of August, yet JCB continued to charge me another $*** for September without authorization or services rendered.
  
  
  The $***** payment was taken under the pretense that it would be placed with an attorney to assist with a business dispute. I never received the attorney’s name, contact information, or any documentation proving that these funds reached a licensed legal professional. No services or deliverables were ever provided. When I repeatedly requested a refund, I was ignored. Only after I confronted the owner in person did he reluctantly return $*****, leaving $***** still unpaid.
  
  
  JCB’s claims about payroll losses, harassment, and other unrelated accusations are completely false, defamatory, and intended to distract from their mishandling of client funds. I was never invoiced, notified, or provided evidence of any financial loss on their part. Their statements appear fabricated to justify keeping my money.
  
  
  JCB Financial Services has breached both professional ethics and good-faith business standards by accepting payment for services it failed to perform and by refusing to return unearned funds. I respectfully request that the BBB keep this complaint active until JCB refunds the remaining $***** from the August payment and $*** for the unauthorized September charge, totaling $*****.
  
  
  Sincerely,
  ***** *****