Holliday Texas Review sells a promise to get SBA Funding or your $398.39 back providing you are turned down by three banks that they send you to. They even assign you one of their u201caccountantsu201d to help you accomplish it. Sounds good, can’t miss, right? I get the SBA loan or my money back. Imagine how many hundreds of people must fall victim to this every month times $398.39 each? They have zero cost as you will come to find out, everything is done email only and they are closed on Mondays (?). Here’s how they do it: The SBA application they have you fill out is impossible to fill out. Notice how they are a software company? They wrote an SBA application form that is impossible to get through with links everywhere that you are never sure to click on or continue reading, and if you do click on one you go down a different path and get lost. I have a string of back and forth emails where I have caught them in a number of lies and statements that instinctively prove that no one is supposed to fill out their form. The only reason for this has to be because they want customers to get so frustrated they give up AND when they do, it is their fault for not completing the form and therefore don’t qualify to get their money back. I defeated them by pushing them to answer questions they didnu2019t want to answer where they either lied or didnu2019t answer becoming undeniable proof in their own emails when you read them. My strongest point which conclusively tripped them up were those emails where I pointed out to them a number of times that I am a third year full time Triple concentration MBA Benedictine University grad student carrying a 4.00 GPA who has written a number of business and marketing plans and yet I was totally stymied by their form. It took me a month to get through their form the first time; at least I thought I was through it because everything was so segmented. When I did submit it to them, it took nearly a month to hear back from their u201caccountantu201d who told me their u201creview departmentu201d had quite a number of problems to fix. This then became even more confusing. I redid what I thought the u201caccountantu201d was asking me to redo and do as they pointed out I missed a number of things. It took another almost month to hear back from this resubmitted application even though we get an automated response that the u201creviewu201d would be done in 5 to 10 business days. When I complained about this to them, their answer was that the 5 to 10 days was just an estimate and I couldnu2019t count Mondays when theyu2019re closed. When I asked why a company that is so obviously backlogged is closed on Mondays, the first u201caccountantu201d told me it was none of my business and I was rude for demanding to know why they donu2019t work on Mondays. The second u201caccountantu201d they assigned me when the first u201caccountantu201d thought my questions were rude told me they take off Mondays because they work 16 hour days because of the time zones (???) which is an ignorant answer because they donu2019t take incoming calls and they can make outgoing calls anytime during a regular 8 to 5 workday the rest of America works, AND they still never explained why the u201creview departmentu201d that consistently exceeds their projected 5 to 10 business days u201creviewu201d time doesnu2019t work on Mondays. When they took almost a month to u201creviewu201d my application the second time, the u201caccountantu201d Ron Smith came back with an even larger list of items to redo and items that they claimed where still missing. And even this list was unclear because they used different terminology of what they wanted corrected but used letter and number nomenclature on the form. Both u201caccountantsu201d refused a number of times to use that same nomenclature when emailing me what was wrong with my application which would make it clear and easy to fix. They refused even though I kept pointing out to them that it was THEIR nomenclature on the form I was asking them to refer to. So again, u201caccountantu201d Ron Smith emailed me confusing and even longer check list of problems from my second submission which is when I conclusively realized beyond those doubts I was having all along that is nothing but a slick sleazy scam. I did not let on I knew as I now wanted them to incriminate themselves in these emails. Their victims are not supposed to finish anything, just get frustrated enough to give up and walk away leaving our $398.39 on their table. What finally brought this to a head is when I demanded to know why a third year full time Triple concentration MBA Benedictine University grad student carrying a 4.00 GPA who has written a number of business and marketing plans for a number of classes is so totally stymied by this one. The second u201caccountantu201d Bill Williams emailed me back that u201ceveryone else was able to do it.u201d Now I knew I had them = Really Bill? I emailed him back, everyone but some 4.00 grad student has completed your form, is that what you want to go with? His reply email stated that I was not a good fit for his company and he was refunding my money. I immediately wrote back that I did not want a refund, that I wanted the program they promised me. I requested to speak to the CEO because surely he or she would know someone that I would be willing to hire to help me get their application finished so I can present it to a bank. The refund they insist in writing on the receipt that nobody gets back without completing the form was given me even though I refused it and asked for help that I was willing to pay for. Yes, I got my money back, but as a former US Marine, I feel obligated to report these slick sleazy criminals to the law who are undoubtedly fleecing hundreds or so every month with probably no one else who has ever challenged them the way I did and stayed in their faces getting them to incriminate themselves in emails. These software experts put together a website and SBA application strictly for the purpose to take advantage of human nature to first blame themselves for not being able to complete a form that u201ceveryoneu201d else has. Even those people who might recognize the scam and dispute the charge with their credit card company end up losing the dispute because comes back with their receipt showing that they agreed to a refund ONLY if they were turned down by three banks promised to line up for them to present their package. I ask that you read my back and forth emails and see their complicated u201cSBA applicationu201d to understand how sleazy these people actually are.

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