CONSUMERS BEWARE! PUBLIC SAFETY AND SECURITY ANNOUNCEMENT:
We weren't coerced or bribed with things of value to write a positive business review of Auto Merchants Inc. This is an authentic business review of our interactions with the owner/Sid S. and his employee/Octavio C. over the previous 900 days, as it relates to the owner's grossly past due insufficient funds check.
NOT REWARDING DISHONORABLE CONDUCT: It's more important than ever for a consumer to do their due diligence in sufficiently investigating the individual or business they are considering investing their hard earned money with, and only reward individuals and businesses that operate ethically, legally and constitutionally at all times. This objective, to the best of our knowledge and recollection of facts and/or opinion based business review will assist in that mission, as it relates to Auto Merchants, Inc., for the best predictor of future behavior is past behavior!
INTRODUCTION: An insufficient funds check is a serious civil and criminal offense that is actionable under Texas Business and Commerce Code 3.302 (holder in due course) and Texas Penal Code - Chapter 31 -Offenses Against Property (THEFT). This legal and constitutional protected business review is designed to kindly compel Auto Merchants, Inc. to comply with Texas law, and the fiduciary responsibility of their company established by the Secretary of State, and immediately resolve the balance of their grossly past due insufficient funds check on file at Lee's Check Cashing without further subterfuge and/or obfuscation and/or delay. 1. Check date: 5-2-23, check # 5980, amount: 3000.00. Receiver of funds: Octavio C. Total balance due NOW: 1500.00 + 900.00 (reoccurring administrative resolution fees) = 2400.00.
FACTS OF CASE AND CONDITIONS OF THE LAW: On 5-2-23, Auto Merchants, Inc. issued a check to an employee/Octavio C. for duties/services performed. The employee cashed the check at Lee's Check Cashing, and the check was returned to the check cashing establishment due to insufficient funds, because the check issuer intentionally stopped payment on the check within hours of issuing the check. Subsequently, over the next 150 plus days, the owner of the check cashing establishment contacted Auto Merchants Inc. and/or the receiver of funds in order to compel them to comply with the aforementioned Texas check laws and resolve the grossly past due insufficient funds check. Due to the refusal and/or failure of Auto Merchants, Inc. to comply with Texas check laws, their unpaid check was delegated to the authority of the Loss Prevention Department to facilitate immediate resolution. The owner alleged (without proof) his account was 'hacked," as the justification why he stopped payment on his check. He alleged the employee was given a 3000.00 dollar replacement check and snapped; "you better check our records!" If true, he did so without using basic business common sense, in first verifying the legal holder in due course of his returned check, and if the employee deposited the initial check into his bank account or cashed the check at a check cashing establishment. The employee was interviewed to verify the owner's claim. The employee alleged he was confused and thought the 3000.00 dollars was his, since the check was written in his name. The investigator helped him realize how preposterous his claim was received, so he confessed to intentionally embezzling the 3000.00 dollars in funds that were legally required to resolve the insufficient funds at our check cashing establishment. The owner was informed multiple times in writing and text, if he paid the employee to resolve his insufficient funds check, and he refused and/or failed to resolve the check with the legal holder in due course, his check is legally unpaid, and he is legally required to immediately resolve his check at our check cashing establishment, and he may file embezzlement charges against his employee for the alleged theft of his 3000.00 dollars if he refused and/or failed to return the funds he allegedly stole from him. The owner defiantly and irresponsibly refused and/or failed to comply with Texas check laws, and instead offered to pay 300.00 dollars every two weeks until paid in full, lending to the reasonable speculation the real reason he stopped payment on his check is not because his account was "hacked," but because of poor money management and/or lack of sales revenue due to poor, substandard business practices. At the point the owner's unpaid check was approximately 250 days past due Texas law, he finally made one measly 300.00 dollar payment on 1-24-24, and subsequently four more 300.00 dollar payments on 2-8-24, 3-6-24, 4-3-24, 5-8-24 and abruptly stopped without the consent of the victim, leaving a balance of 1500.00 dollars for over 575 days; in the process ignoring two certified letters, and over 100 text and phone calls to compel him to resolve the balance. read more