https://twitter.com/tiderider51
"https://twitter.com/tiderider51?lang=en"
(AKA)
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
BRADLEY HOUSTON REYNOLDS, TIDERIDER51
TEXAS
Consumer Review Fairness Act (CRFA)
Stop Automotive Employee Fraud
01/15/2025
Victims call
Collections
@
877-249-8297
UNPAID RESTITION OWED SINCE 2007 TO 8 VICTIMS
The Superior Court has explained that nonpayment of fines or restitution is a
technical violation of probation only if the defendant has the ability to pay and has
willfully refused to pay.
https://www.youtube.com/embed/iH-UuZzSkOA
PUBLIC
NOTICE
WARNING
EX-CON
BRADLEY HOUSTON
REYNOLDS
Man arrested for defrauding on eBay
Still owes 8 Victims Restitution
$142,450.10 AS OF 01/15/2025
NOW
NEW ASSESSMENTS HAVE BEEN ARE ADDED
TO PREVIOUS BALANCE
Montgomery County
REGISTER OF ACTIONS
CASE # 07-02-02097
New Balance OWED
as of
01/15/2025
30% INTEREST
ADDED!
NEW BALANCE IS
$ 142,450.10
NEW ASSESSMENTS ADDED
ON BELOW DATES
04/05/2024 $ 32,873.10
06/25/2024 $ 1,272.10
Call Collections
@
877-249-8297
The victims may seek a:
Restitution Lien , Crime Victims’
Compensation Program,
Civil Lawsuit
"Office of House Bill Analysis S.B. 1778"
"https://lrl.texas.gov/scanned/officeOfHouseBAs/77-0/SB1778ENG.htm"
Probation from 2002-2005
INCLUDING
445 DAYS Incarcerated,
Incarcerated from 2006-July 2013
Reference 63 pages of Indictments
Below
"Whether you are released on community supervision after a prison sentence or serving probation, payment of court-ordered restitution may be a condition of your sentence. If you don’t pay the restitution, the Court may have several options including revoking your supervised release or probation, holding you in contempt of court, or converting your restitution amount to a civil judgment against you."
Moved from Montgomery Texas to Victoria Texas
ABOVE PICTURE IS
EX-CON
AGGREGATE THEFT
Commits 100 % Fraud in Finance Department at Victoria Dodge Chrysler Jeep Ram Wagoneer In
Victoria, Texas as Finance Manager/Director owned by
Ben Keating Auto Group
Violations of Dealership Compliance with consumer protections statutes, rules, and regulations, Dealer banking and Financial agreements
NO College Degree ! Latest Con!
Now Claiming Has Collège Degree
https://www.lonestar.edu/E-Verify-Info.htm
Human resources
"A conviction for Fraudulent, Substandard, or Fictitious Degree in Texas is punished as a Class B misdemeanor, with a maximum possible fine under Texas state law of up to $2,000 and jail time of up to 180 days."
Feb 1, 2024
BRAD REYNOLDS
(AKA)
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
BRADLEY HOUSTON REYNOLDS, TIDERIDER51,
Brad Reynolds @tiderider51
srmartin01@gmail.com
evolution_gst@yahoo.com
the_next_evo@yahoo.com
fubreynolds61@ix.netcom.com
Brad Reynolds (@tiderider51) / X
https://www.linkedin.com/pub/dir/Bradford/Reynolds,
https://bo.linkedin.com/pub/dir/Brad/Reynolds
https://www.smartbackgroundchecks.com/people/brad-reynolds/El04ZwZ3ZQxjBQLkZmpjBGL2AGVm
https://www.linkedin.com/in/brad-reynolds-225676217/
https://www.chron.com/neighborhood/article/Man-arrested-for-defrauding-on-eBay-9599564.php
(512) 392-2425, (832) 326-9018, (903) 389-2233, (903) 493-4242, (936) 899-0419
Current
Internet Information
YEARS:
2022, 2023, 2024, 2025
Fair Use, Educational, Formidable Continued Public Automotive Dealership Finance Fraud
CONSUMER
WARNING !
Nonprofit Educational Purposes
"See Campbell v. Acuff-Rose Music, 510 U.S. 569, 578 (1994). Purposes such as these are often considered "in the public interest" and are favored by the courts over uses that merely seek to profit from another’s work. Online Policy Group v. Diebold, Inc., 337 F. Supp. 2d 1195, 1203 (N.D. Cal. 2004)."
"The primary purpose of the FTC's CARS Rule is to add truth and transparency to the car buying or leasing process by making it clear that certain deceptive or unfair practices are illegal – for example, bait-and-switch tactics, hidden charges, and other conduct that harms consumers and honest dealers".
"What are the Penalties of Non-Compliance? Failure to comply with the FTC Safeguards Rule can result in significant fines and damage to your business's reputation. The updated guidelines that go into effect June, 2023 dictate the FTC can impose penalties of up to $100,000 per violation. Mar 29, 2023."
November 22, 2023
" The Federal Trade Commission (FTC) recently adopted a final rule amending its Standards for Safeguarding Customer Information (commonly referred to as the “Safeguards Rule”) to require financial institutions to report certain data breaches and other security events to the FTC.
These amendments come shortly after the Securities and Exchange Commission (SEC) adopted rules on mandatory cybersecurity disclosures as discussed in a prior LawFlash, demonstrating a focus by the US government on transparency regarding data breaches and other cybersecurity events. The FTC amendments become effective on May 13, 2024.
https://www.federalregister.gov/d/2024-03559/p-3
"On January 4, 2024, the Federal Trade Commission (“FTC” or “Commission”) published a Final Rule in the Federal Register , titled “Combating Auto Retail Scams Trade Regulation Rule” (“CARS Rule,” “Rule,” or “Final Rule”), in order to curtail certain unfair or deceptive acts or practices by motor vehicle dealers. The CARS Rule was to become effective on July 30, 2024. Because of a pending legal challenge, this document announces that the effective date of the Final Rule is delayed until further notice".
DATES:
"The effective date of the final rule adding 16 CFR part 463, published at 89 FR 590, January 4, 2024, is delayed indefinitely. The FTC will publish a subsequent notification in the Federal Register announcing the CARS Rule's effective date.
FOR FURTHER INFORMATION CONTACT":
"Daniel Dwyer or Sanya Shahrasbi, Division of Financial Practices, Bureau of Consumer Protection, Federal Trade Commission, 202-326-2957 (Dwyer), 202-326-2709 (Shahrasbi), ddwyer@ftc.gov, sshahrasbi@ftc.gov".
"The FTC announced the new rule in December 2023, aimed at reducing deceptive practices in the automotive industry, specifically bait-and-switch advertising and the imposition of hidden junk fees. Originally set to take effect July 30 of this year, it has been pushed back to Sept. 30, 2025".
"In January, the National Automobile Dealers Association (NADA) and the Texas Automobile Dealers Association (TADA) filed a legal challenge to the rule in the U.S. Court of Appeals for the 5th Circuit, moving to stay the rule’s July 30 effective date. In response to the stay motion, the FTC issued an order delaying the effective date of the rule pending judicial review of the NADA/TADA petition".
"However, despite the FTC’s postponement, the rule remains the law, necessitating the advancement of the amendment in the Fiscal Year 2025 Financial Services and General Government (FSGG) appropriations bill passed by the U.S. House Appropriations Committee".
"The Federal Trade Commission's (FTC) Combating Auto Retail Scams (CARS) Rule is being challenged by the National Automobile Dealers Association (NADA) and the Texas Automobile Dealers Association (TADA) in the U.S. Court of Appeals Fifth Circuit. The case was argued on October 9, 2024, and the outcome could have a significant impact on the automotive retail industry and independent dealerships.
REFERENCE Links Below"
https://www.txiada.org/blog_home.asp?Display=561
"The Federal Trade Commission proposed a new rule to stop marketers from using illicit review and endorsement practices such as using fake reviews, suppressing honest negative reviews, and paying for positive reviews, which deceive consumers looking for real feedback on a product or service and undercut honest business . "
Trade Regulation Rule on the Use of Consumer Reviews and Testimonials
"A Proposed Rule by the Federal Trade Commission on 07/31/2023"
Google, Dealership
and
Bradley Houston Reynolds
Bradley H Reynolds
(AKA) Brad Reynolds,
Continues to remove pictures,
Picture links, and alter web pages
by adding internal codes,
1920w and 640w for
blocking fair Use pictures,
Reviews,
Documents,
AND
Claimed
Dealerships
Trade Secrets
of
(FRAUD)
That violate the :
CRFA, FTC CAR Rules
For Public Warning Notice
For posting honest reviews,
Freedom of speech
And
Freedom of press
"Freedom of speech is a constitutional protection that gives individuals and communities the right to present their ideas and opinions without fear of being censored by the government. In the United States, the right to free speech, press, and assembly are guaranteed by the First Amendment of the Constitution. The exchange of ideas between people from different backgrounds is a key component to keeping a democracy healthy. While the government can censor some speech, American citizens are given the right to present their views publicly. This protection is important because it allows people to offer solutions to problems that represent their unique perspective. It is also another way of participating in society besides voting".
"RESTORING
FREEDOM OF
SPEECH AND
ENDING
FEDERAL
CENSORSHIP"
EXECUTIVE ORDER
January 20, 2025
"By the authority vested in me as President by the Constitution and the laws of the United States of America, and section 301 of title 3, United States Code, it is hereby ordered as follows:
Section 1. Purpose. The First Amendment to the United States Constitution, an amendment essential to the success of our Republic, enshrines the right of the American people to speak freely in the public square without Government interference. Over the last 4 years, the previous administration trampled free speech rights by censoring Americans’ speech on online platforms, often by exerting substantial coercive pressure on third parties, such as social media companies, to moderate, deplatform, or otherwise suppress speech that the Federal Government did not approve. Under the guise of combatting “misinformation,” “disinformation,” and “malinformation,” the Federal Government infringed on the constitutionally protected speech rights of American citizens across the United States in a manner that advanced the Government’s preferred narrative about significant matters of public debate. Government censorship of speech is intolerable in a free society.
Sec. 2. Policy. It is the policy of the United States to: (a) secure the right of the American people to engage in constitutionally protected speech;
(b) ensure that no Federal Government officer, employee, or agent engages in or facilitates any conduct that would unconstitutionally abridge the free speech of any American citizen;
(c) ensure that no taxpayer resources are used to engage in or facilitate any conduct that would unconstitutionally abridge the free speech of any American citizen; and
(d) identify and take appropriate action to correct past misconduct by the Federal Government related to censorship of protected speech.
Sec. 3. Ending Censorship of Protected Speech. (a) No Federal department, agency, entity, officer, employee, or agent may act or use any Federal resources in a manner contrary to section 2 of this order.
(b) The Attorney General, in consultation with the heads of executive departments and agencies, shall investigate the activities of the Federal Government over the last 4 years that are inconsistent with the purposes and policies of this order and prepare a report to be submitted to the President, through the Deputy Chief of Staff for Policy, with recommendations for appropriate remedial actions to be taken based on the findings of the report.
Sec. 4. General Provisions. (a) Nothing in this order shall be construed to impair or otherwise affect:
(i) the authority granted by law to an executive department or agency, or the head thereof; or
(ii) the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.
(b) This order shall be implemented consistent with applicable law and subject to the availability of appropriations.
(c) This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.
THE WHITE HOUSE,
January 20, 2025."

"Freedom of press is a right related to freedom of speech that protects journalists, news outlets, and other ways of publicly disseminating information. Freedom of speech is a broad right that encompasses almost every aspect of communication, whereas freedom of press specifically grants the right to freely express ideas and opinions through the internet, newspapers, television, radio, and any other means of public communication. Freedom of press is an immensely important right. Societies that censor the press are oftentimes far less democratic than those that allow the press to speak freely. The lack of free press was a key issue for the Founding Fathers, as British censorship was exceedingly severe. This became a major problem because the political issues that faced the American colonists could not even be discussed in print. Press members who are allowed to criticize or praise the government and other powerful entities without fear of reprisal, leads to a more transparent society where the interests of the people can be represented".
"The First Amendment protects Google's right to select and present information as a speaker. This means that the government can't hold Google liable for biases that may prevent readers from getting a balanced presentation. The First Amendment also protects online platforms, which the Supreme Court has said should receive the same level of protection as print media. This includes the ability to exercise First Amendment rights while also creating a space for users to express themselves freely".
"The Consumer Review Fairness Act makes it illegal for companies to include standardized provisions that threaten or penalize people for posting honest reviews" .
What’s the penalty for violating the Consumer Review Fairness Act?
" Congress gave enforcement authority to the Federal Trade Commission and the state Attorneys General. The law specifies that a violation of the CRFA will be treated the same as violating an FTC rule defining an unfair or deceptive act or practice. This means that your company could be subject to financial penalties, as well as a federal court order.
To make sure your company is complying with the Consumer Review Fairness Act:
- Review your form contracts, including online terms and conditions; and
- Remove any provision that restricts people from sharing their honest reviews, penalizes those who do, or claims copyright over peoples’ reviews (even if you’ve never tried to enforce it or have no intention of enforcing it).
The wisest policy: Let people speak honestly about your products and their experience with your company " .
EX-CON
BRAD REYNOLDS
(AKA)
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
BRADLEY HOUSTON REYNOLDS, TIDERIDER51,
Brad Reynolds @tiderider51
Brad Reynolds (@tiderider51) / X
Committing 100 % Fraud in finance department at Victoria Dodge Chrysler Jeep Ram Wagoneer In
Victoria, Texas as Finance Manager /Director
WARNING
Have you been victimized by:
Bradley Houston Reynolds?
(AKA) Brad Reynolds, Brad H Reynolds, Brad Houston Reynolds, located in
Victoria, Texas
Continuous FRAUD;
100% AUTOMOTIVE FINANCIAL FRAUD,
100% Illegal packing Products,
Includes:
The non-disclosure and forcing or requiring aftermarket products, by
Claiming Bank or Lender / Dealership requires Aftermarket products to purchase the vehicle
100% Illegal Straw forced purchases
100% Illegal claiming Fake fees are government required fees but are Optional Dealership undisclosed Aftermarket Products
100% Illegal claiming Fake fees are required to purchase Automobile
100% illegal for not providing all true
and accurate paperwork to buyer before leaving the dealership
100% illegal to use stamped signature of customers name for Aftermarket Product, Fake Fees or Automotive Contracts
Bradley Houston Reynolds
100% FALSIFIED COLLEGE EDUCATION
100% NO College or College DEGREE
Lone Star College
"A conviction for Fraudulent, Substandard, or Fictitious Degree in Texas is punished as a Class B misdemeanor, with a maximum possible fine under Texas state law of up to $2,000 and jail time of up to 180 days."
Feb 1, 2024
100% FALSIFIED SALESMANAGER POSITION LISTINGS
PREVIOUS JOBS WERE SALES-RELATED
and
Only 1
"Mangers Position"
A
" INTERNET MANAGER"
Brad Reynolds
THEN CLAIM 1/2 DEAL
CREDITS AND RDR'S FROM OTHER
SALESPERSONS IN THE INTERNET DEPARTMENT
TO GET GST SALEPERSONS AWARDS
AWARDS ARE FOR THE SALES PERSONS
AND
NOT THE INTERNET MANAGER / SALESPERSON!
100% Fraud GST FRAUD
NO MILITARY BACKGROUND AS CLAIMED
NO COLLEGE DEGREE
FRAUD LISTING ON LINKEDIN
https://www.linkedin.com/in/brad-reynolds-225676217
"A conviction for Fraudulent, Substandard, or Fictitious Degree in Texas is punished as a Class B misdemeanor, with a maximum possible fine under Texas state law of up to $2,000 and jail time of up to 180 days."
Feb 1, 2024
https://www.linkedin.com/pub/dir/Brad/Reynolds
Probation Time: 2002 - 2005
Incarcerated Time: 2006 - July 2013
REPORT & FILE:
With FTC, FBI, IRS, SSI, VICTORIA POLICE, MONTGOMERY POLICE,
VICTORIA ADVOCATE LOCAL NEWS, FINANCIAL FINANCING LENDER BANKS
https://reportfraud.ftc.gov/#/assistant
Victoria, Texas
01/15/2025
ALL LOCAL & FEDERAL
ENFORCEMENT
REPEATEDLY INFORMED
The Consumer Review Fairness Act makes it illegal for companies to include standardized provisions that threaten or penalize people for posting honest reviews.
PUBLIC WARNING
NOTICE!
Keating Auto Group
Hired an
Automotive Ex-Con, Brad Reynolds,
Sales Person
for a Finance/Director
Manager Position
Deals
Directly with
Financial Institutions
knowing his exposure to
customers private information
& He chooses
which banks/lender to use in
Finance
Department and structures
Automotive finance loans with the
lender banks
at
Victoria Dodge Jeep Ram Wagoneer
Dealership Victoria, Texas on
consumers' behalf.
Dealership Financial Bank
Agreements
are
Questionable!
" Dealership agreement is a legal contract that outlines the rights and responsibilities of an automobile manufacturer and an automobile dealer. A dealer agreement can also govern the business relationship between a general dealer and a vendor".
Bradley Houston Reynolds
Committing 100% Fraud
at
Dealership!
ALL victims report to:
&
VICTORIA POLICE
APP PURCHASERS
REQUEST ALL
LOAN PAPERS
FROM YOUR
FINANCING BANK
LENDER
TO BE MAILED
TO YOU
THEN COMPARE ALL
PAPERWORK FROM
YOUR BANK
TO YOUR PAPERWORK
RECEIVED BY YOUR
DEALERSHIP AT TIME OF
PURCHASE
CHECK FOR
REAL SIGNATURES
NOT
STAMPED SIGNATURES
NOT
DISCLOSED OR FORCED
AFTERMARKET
PRODUCTS ADDED
REQUEST
CANCELLATION
PAPERWORK FROM
DEALERSHIP!
SIGN ALL CANCELLATION
FORMS YOU CHOOSE
TAKE PICTURES OF ALL
DOCUMENTS
REPORT TO YOUR
FINANCING LENDER
WEEKLEY YOU SIGNED
CANCELLATIONS
FORMS
FRAUD FINDINGS
INCLUDING
FORGED
SIGNATURES,
STAMP SIGNATURES
FOR
AFTERMARKET
PRODUCTS
CANCELLATIONS
VERIFY 1 MONTH
LATER WITH THE
FINANCING
BANK AND
DEALERSHIP
FOR CANCELLATIONS
CREDITS REMOVED
FROM
LOAN AMOUNT /
FINANCED
BALLANCE DUE
YOUR PAYMENT WILL
STAY THE SAME BUT
YOUR LOAN WILL BE
PAID OFF SOONER
"On October 9, 2024, the Fifth Circuit heard oral argument on the administrative challenge lodged by the National Automobile Dealers Association (NADA), a national trade association representing the interests of U.S. car dealers, against the Combating Auto Retail Scams (“CARS”) Trade Regulation Rule issued by the ..."
https://www.jdsupra.com/legalnews/nada-faces-skeptical-fifth-circuit-3722473/
" The FTC Safeguards Rule is a set of updated regulations announced by the Federal Trade Commission in late 2021 that requires financial institutions to develop and implement a comprehensive information security program. The Safeguards Rule is an integral part of the FTC’s efforts to protect the security, confidentiality, and integrity of customer-sensitive information from cyberattacks, identity theft, and other forms of fraud. Beginning June 9, 2023, the FTC Safeguards Rule will officially take effect, and all financial institutions, including “non-banking financial institutions” like auto dealerships, will be required to prove their compliance.
The rule applies to all businesses that collect or maintain sensitive customer information, including large institutions like banks, credit card companies, and small businesses. The FTC has enforcement authority over the safeguards rule and can punish companies failing to comply with the rule requirements ".
Reference Video Below:
How a Finance Manager, Director, Sales managers, Managers can use your private information illegally when acquiring your financing with dealership lenders
Watch Video Below:
"Old Example"
OF
AUTOMOTIVE FINANCE FRAUD
NEW
EXAMPLES
BELOW
2025
Victoria Dodge Chrysler Jeep Ram Wagoneer, Victoria Texas, 77904
Employed Ex-Con
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
BRADLEY HOUSTON REYNOLDS, TIDERIDER51, Brad Reynolds @tiderider51
https://twitter.com/tiderider51?lang=en
New Examples
Commits 100 % Fraud in Finance Department at Victoria Dodge Chrysler Jeep Ram Wagoneer In
Victoria, Texas as Finance Manager
EX-CON BRAD REYNOLDS HAS
CREATED FRAUDULENT FEES WORKSHEET
TO CLAIM FRAUD FEES AS "REQUIRED GOVERNMENT FEES"
"Taxable or Non Taxable"
LISTED BELOW ARE
100% ILLEGAL
FRAUD & DECEPTION
Also
PACKING
UNWANTED
NON-DISCLOSED
FORCED OR CLAIMED
REQUIRED AFTERMARKET
OPTIONAL
PRODUCTS
PUBLIC NOTICE!
REQUEST YOUR COPIES OF LOAN PAPERWORK FROM YOUR
FINANCE BANK / LENDER
&
COMPARE TO YOUR DEALERSHIP PAPERWORK AND USB DRIVE FOR ALTERATIONS AND FORGERY
INCLUDING:
PACKING AFTERMARKET PRODUCTS, CHANGING INTEREST RATE, FORGING SIGNATURES, STAMPED SIGNATURES, REMOVING OR ALTERING CASH DOWN PAYMENT, OR INFLATING SALES PRICE TO CREATE FALSE DOWN PAYMENT, CASH CUSTOMER REBATES NOT SHOWNED AS DOWN PAYMENT.
ANY DISCREPANCIES FILE REPORT NOW WITH FTC, FBI, VICTORIA POLICE,
LINK BELOW
& Victoria Police Investigations
CALL 361-485-3730
https://www.ftc.gov/news-events/news/press-releases/2023/10/ftc-proposes-rule-ban-junk-fees
" BRAD REYNOLDS "
FINANCE MANAGER
100% ILLEGAL FEES
&
DECEPTION
FRAUD
DEALERSHIP GENERAL MANAGER
JAMES LAW / OWNER
THREATENS SLANDER TO CUSTOMERS
FOR STATING THE TRUTH
ABOUT FRAUD, DECEIT, STRAW PURCHASES, & FEES, REQUIRING THE UNDISCLOSED ADD OF A GPS TRACKING SYSTEM IN ALL VEHICLES, BAIT AND SWITCH,
AND CONTINUOUSLY REMOVES NEGATIVE REVIEWS FROM GOOGLE, YELP, FACEBOOK,TWITTER
WHICH PROVE TO BE
100% ILLEGAL
REPORT
https://reportfraud.ftc.gov/#/assistant
The Consumer Review Fairness Act makes it illegal for companies to include standardized provisions that threaten or penalize people for posting honest reviews.
DEALERSHIP MANAGERS
CREATED
2 DEALERHIP FORCED STRAW PURCHASES
MANDATE'S OPTIONAL AFTERMARKET PRODUCTS
FOR THE PURCHASE OF 1 USED VEHICLE THEN 1 NEW VEHICLE
VEHICLE WAS FOR BOYFRIEND ONLY, NOT GIRLFRIEND !
Both VEHICLE LOANS are in Girlfriends name only!
100% ILLEGAL
STRAW PURCHASES
GENERAL MANAGER
JAMES LAW/OWNER
THREATENS SLANDER TO CUSTOMERS
FOR STATING TRUTH ABOUT DEALERSHIP
FRAUD INCLUDING
FRAUD, DECEIT, PACKING PRODUCTS, STRAW
PURCHASES,
UNDISCLOSED
GPS TRACKING SYSTEM ADDED
ADD-ONS,
PRODUCTS UNDISCLOSED AND NOT ON VEHICLE
ADDENDUM STICKER,
& CLAIMED AS GOVERMENT FEES AND FEES
THAT ARE
100% ILLEGAL
REPORT NOW
https://reportfraud.ftc.gov/#/assistant
Non-compliance can lead to fines of up to $100,000 per violation.
"Federal Trade Commission"
Revised FTC Safeguards Rule deadline was June 9, 2023
The updated rule requirements include Planning and action to address “reasonably foreseeable internal and external risks” – including data breaches, data leakage, and ransomware. Multi-factor authentication.
Dealerships complaint's concerning
fraud and deception.
CURRENT ALERTS FOR THIS BUSINESS,
"Pattern of Complaints: KEATING DEALERSHIPS"
"Since January 2021, the BBB of Greater Houston & South Texas has received several complaints and customer reviews on Keating Dealerships, Toyota that exhibit the following pattern.
According to the consumer’s disputes, it is being alleged that Keating Toyota advertises a low price online but is higher once at the dealership. Consumers are reporting that the dealer add-ons are being added during the financing phase without prior knowledge. Some consumers are reporting that they are unsuccessful in reaching the finance department to cancel warranties".
https://www.bbb.org/file-a-complaint
Dealership, Employees continues to remove bad reviews.
1 - https://texags.com/forums/46/topics/3272009
2 -
16 CFR Part 465: Trade Regulation Rule on the Use of Consumer Reviews and
3 - https://www.yelp.com/not_recommended_reviews/keating-toyota-manvel
4 -https://www.yelp.com/biz/keating-toyota-manvel?
hrid=aePimeG0gIWEJDaKkZUUsg&rh_type=phrase&rh_ident=alvin
5 - https://www.autotrader.com/car-dealers/victoria-tx-77901/71645635/victoria-dodge
6- https://www.dealerrater.com/dealer/Keating-Toyota-review-118490/
8 - https://www.cars.com/dealers/6000267/keating-toyota/
9 - https://www.bbb.org/us/tx/manvel/profile/new-car-dealers/keating-toyota-0915-90061054
10 -https://www.yelp.com/user_details?userid=g_DONMTzZt07s8K-ffMxZw
11 -https://www.yelp.com/biz/victoria-dodge-victoria
12- https://m.facebook.com › victoria100club › posts
"Federal Trade Commission Announces Proposed Rule Banning Fake Reviews and Testimonials"
" The FTC also announced that it was proposing a new Rule concerning the use of consumer reviews and testimonials based upon feedback received in response to the FTC’s November 2022 Advanced Notice of Proposed Rulemaking.[8] The proposed Rule would specifically prohibit: (1) selling or obtaining fake consumer reviews and testimonials; (2) review hijacking; (3) buying positive or negative reviews; (4) insider reviews and testimonials; (5) company-controlled review websites; (6) illegal review suppression or removal; and (7) selling fake social media indicators such as fake followers or views.[9] There will be sixty days for public comment once the Federal Register Notice appears in the Federal Register. "
---------------------------------------------------------------------------------------------------------
AN UNBELIEVABLE CONTINUOUS COVER UP!
DEALERSHIP
Donated a vehicle to the police department.
FOR WHAT REASON!
PENAL CODE CHAPTER 36. BRIBERY AND CORRUPT INFLUENCE
"Great work Ben Keating! Thank you for your generosity ... Victoria Dodge Donates New Car to the Victoria Police Dept. to Help " Fight Crime" - Crossroads Today.?
link: https://m.facebook.com/victoria100club/posts/3118939045020081/
DEALERSHIP CLAIMED OWNER REPLIES BELOW
GENERAL MANAGER JAMES LAW / OWNER
DEALERSHIP GENERAL MANAGER / OWNER
JAMES LAW
CONTINUES TO
THREATENS SLANDER TO CUSTOMERS
FOR STATING THE TRUTH
ABOUT FRAUD, DECEIT, STRAW PURCHASES, &FAKE FEES, THE REQUIRING OF AFTERMARKET PRODUCTS AND REQUIRING THE UNDISCLOSED ADD OF A GPS TRACKING SYSTEM IN ALL VEHICLES,
AND IS CONTINUOUSLY REMOVING NEGATIVE REVIEWS FROM GOOGLE
WHICH PROVE TO BE
100% ILLEGAL!
REPORT
The Consumer Review Fairness Act makes it illegal for companies to include standardized provisions that threaten or penalize people for posting honest reviews.
https://reportfraud.ftc.gov/#/assistant
https://www.capitalone.com/cars/dealership/Victoria-TX/Victoria+Dodge+Chrysler+Jeep+Ram/41859
Bearded RV Tech Aug 12, 2023
Rating:
1 stars out of 5 stars
★----
“One star is too high! Found the vehicle I wanted, called them to verify they had the jeep I wanted let them know it was 110 miles one way. Once I got there, I test drove the desired jeep, loved it. But... the price went from $38,818 to 43,500. What??? Oh well, there's the appearance package. " I don't want that!" It's already on there. I don't want it. Then there's window tent, "I don't want it!" The bottom line is they did NOT honor the price listed on Autotrader. Tried to tell me Autotrader is never right, odd thing the same price was listed on their website. Stay AWAY from them. Run don't walk!!!!!!!!!!!!!! Louder.”
Report Fraud, Waste or Abuse
https://www.txdmv.gov/complaints
(888) 368-4689
https://reportfraud.ftc.gov/#/assistant
https://oig.hhsc.state.tx.us/wafrep/
Fraud Hotline:
(800) 436-6184
The Narcissist as a "Criminal"
https://www.psychologytoday.com/us/blog/inside-the-criminal-mind/202002/the-narcissist-cri
GREED DECEPTION AND FRAUD
Victoria Dodge Chrysler Jeep Ram Wagoneer, Victoria Texas,
EMPLOYEE
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
https://twitter.com/tiderider51
https://twitter.com/tiderider51?lang=en
Automotive aggregate
Felony Theft
WHO OWES RESTITUTION TO
VICTIMS
$ 142,450.10
is
CURRENTLY EMPLOYED IN
FINANCE DEPARTMENT
At
Victoria Dodge Chrysler Jeep Ram Wagoneer,
Victoria Texas
REQUIRING
BOGUS RANDOM EXTRA FEES
and
MANATORY GPS TRACKING and CLAIMS PRODUCTS ARE
NOT OPTIONAL AND ARE GOVERNMENT FEES!
100% ILLEGAL
2022 2023 2024
FILE REPORT NOW WITH FTC
LINK BELOW
and Victoria Police Investigations
361-485-3730
2022, 2023, 2024, 2025
VICTIM
AUTOMOTIVE
WHISTLEBLOWER
ALL of your confidential
information
is
exposed
to this EX-CON,
"BRAD REYHNOLDS"
who still owes restitution Of
$142,450.10
to 8 victims
1/15/2025
Including
Your Social Security Information, SSI Number, Complete full Name, Address, Credit Cards Information, Banking Information, loans, Balances, and Personal Information for current and future use.
Reference video below:
HOW A FINANCE MANAGER USED CUSTOMERS PRIVATE INFORMATION
DID THE DEALERSHIP,
Victoria Dodge Chrysler Jeep Ram Wagoneer, Victoria Texas,
WARN YOU OF HIS ACTIVITY!
Violation
"PRIVACY POLICY CONSIDERATIONS"
Reference video below :
How a finance manager can use your information
Old Example Below!
https://youtu.be/7doEIs4eGvwAbove video is an old Example when F&I Manager were able to see your credit.
Cause No 07-02-02097CR$142,450.10
NEW ASSEMENTS ADDED04/05/2024 $ 32,873.10 INTEREST&06/24/2024 + $ 1,272.30
BALANCE DUE AS OF 1/15/2025$142,450.10Call Collections@877-249-8297
Brad Reynolds "Salesperson"
"Relationship Builder"

TOP PICTURE - MUG SHOT YEARS in PRISON (2002-2005) Probation
(2006-2014) Prison
BELOW - PICTURES YEAR (2022-2023)
" YOUTUBE GOOGLE" Video claiming position of
"Relationship Builder"
Sales Person claimed
having 18 years experience in Automotive sales industry
has
been removed by
Honda of Tomball Dealership
Brad Reynolds continued
 LIES
* Reference years
Incarcerated below
* Bradley Houston Reynolds
iconic quote in accordance from
past 18 victims,
" YOU CHOSE VIOLENCE
INSTEAD OF PEACE
THATS NOT WHAT I DO "
2024, 2025
LIES AND DECEPTION
BELOW
HAS NO COLLEGE DEGREE
AS CLAIMED
"A conviction for Fraudulent, Substandard, or Fictitious Degree in Texas is punished as a Class B misdemeanor, with a maximum possible fine under Texas state law of up to $2,000 and jail time of up to 180 days."
Feb 1, 2024
1/ 15/2025
Bradley Houston Reynolds below can not keep up with his own
Stories or Lies
- First picture - engaged to a different woman 09/10/2022 https://www.instagram.com/nataliereynolds2000/,https://www.facebook.com/BHR40
- First picture-Started Sterling McCall Chevrolet Started April 2021 - NOT STEPTEMBER 2020-- INTERNET SALES
- First Picture bottom-Forgot he was a Relationship Builder - Sales person Tomball Honda
- Third picture - uses deceased wife Brittany N Pelton who died 10/18/2020, https://www.dignitymemorial.com/obituaries/tyler-tx/brittany-pelton-9911141.
- Third picture- Displayed Deceased wife on LinkedIn as current wife 2024: https://www.linkedin.com/in/brad-reynolds-225676217
- Second picture- listed Brad Reynolds as Sales Manager but was only Internet assist Manager at Sterling McCall Chevy, Group 1 Automotive verified
- Second picture- claims Sales/Auto Exchange Manager at Fred Haas Toyota. But only was a sales person.
- Third and Forth pictures- claims he was Sales Manager at Fred Haas Toyota was a sales person.
- Second Picture - claims studied at Lone Star College, but never attended or graduated from Lone Star college
- Third and Forth Picture- side claims he has Associate Degree Business Administration and Management General, Lie No Colledge Degree
- Was in prison
- Second, Third And Forth Picture- Never attended or graduated from Lone Star college
- Lone Star College-System Office
5000 Research Forest Drive
The Woodlands, Texas 77381
832.813.6500
"A conviction for Fraudulent, Substandard, or Fictitious Degree in Texas is punished as a Class B misdemeanor, with a maximum possible fine under Texas state law of up to $2,000 and jail time of up to 180 days."
Feb 1, 2024
Penal Code Section 32.52
Fraudulent, Substandard, or Fictitious Degree
(a)
In this section, “fraudulent or substandard degree” has the meaning assigned by Section 61.302 (Definitions), Education Code.
(b)
A person commits an offense if the person:
(1)
uses or claims to hold a postsecondary degree that the person knows:
(A)
is a fraudulent or substandard degree;
(B)
is fictitious or has otherwise not been granted to the person; or
(C)
has been revoked; and
(2)
uses or claims to hold that degree:
(A)
in a written or oral advertisement or other promotion of a business; or
(B)
with the intent to:
(i)
obtain employment;
(ii)
obtain a license or certificate to practice a trade, profession, or occupation;
(iii)
obtain a promotion, a compensation or other benefit, or an increase in compensation or other benefit, in employment or in the practice of a trade, profession, or occupation;
(iv)
obtain admission to an educational program in this state; or
(v)
gain a position in government with authority over another person, regardless of whether the actor receives compensation for the position.
(c)
An offense under this section is a Class B misdemeanor.
(d)
If conduct that constitutes an offense under this section also constitutes an offense under any other law, the actor may be prosecuted under this section or the other law.
Added by Acts 2005, 79th Leg., Ch. 1039 (H.B. 1173), Sec. 8, eff. September 1, 2005.
Source: Section 32.52 — Fraudulent, Substandard, or Fictitious Degree, https://statutes.capitol.texas.gov/Docs/PE/htm/PE.32.htm#32.52
(accessed Jun. 5, 2024).
EXCON Salesperson
BRAD REYNOLDS
is now A
Finance manager / DIRECTOR
at Dealership:
Victoria Dodge Jeep Ram
Victoria, Texas
MASSIVE ILLEGAL PUBLIC AND BANK FRAUD
WARNING!
CONTACT FTC, FBI, VICTORIA POLICE
"BOGUS RANDOM EXTRA FEES"
Have you been victimized by Bradley Houston Reynolds?
(AKA) , Brad Reynolds Victoria, Texas
Continuous FRAUD, 100% Automotive finance fraud
(AKA) Brad H Reynolds, Brad Houston Reynolds
FILE REPORT WITH FTC, FBI, VICTORIA POLICE, MONTGOMERY POLICE, IRS,
https://reportfraud.ftc.gov/#/
Victoria Police 361-485-3730.
FBI 361-575-6277
FTC
Non-compliance can lead to fines of up to $100,000 per violation.
"Federal Trade Commission
If Finance Manager, or Manager(s) claimed aftermarket products purchases are required by lenders, or dealership, or Government Fees, or claimed Government Taxes, requirements to purchase automobiles,
MASSIVE FRAUD
WALK AWAY!
& REPORT
Stop the Fraud by Finance managers and Sales Managers.
ALL DEALERSHIP FINANCED CUSTOMERS
NEED TO REQUEST COPIES OF YOUR PURCHASE CONTRACTS FROM YOUR FINANCE LENDER.
When you receive your first payment request from the lender,
Call your
BANK OR "FINANCE COMPANY " AND REQUEST COPIES OF ALL PAPERWORK.
The Finance lender will Mail or email you all of your paperwork copies they have and used for approval of the loan.
This Paperwork from your Lender is FOR FUNDING THE LOAN and will prove any forgery's and discrepancies.
Then compare the Contract, Buyers Purchase Order, CASH down or Down Payment, Signatures and all papers you received from the Dealership to your Finance lenders paperwork.
Check all fees both CLAIMED Taxable and Non Taxable check where they were applied on contract, Check the Selling price and check What Aftermarket products were added. If Manufacture offered a customer rebate it must be disclosed as down payment with cash down-payment.
For any discrepancy's including fraud, forgery, Signatures, non disclosed products,
Trade values, Dealer Fees, Taxable Fees, Non Taxable Fees, Money, down payment and all unwanted aftermarket products, buyers order, any changes in paperwork must have all signatures for each buyer on all papers
IMPORTANT DO NOT LEAVE THE DEALERSHIP WITHOUT COPIES OF ALL PAPERWORK YOU SIGNED, NO EXCEPTIONS.
Contact and Report the Fraud to the FTC, Victoria Local Police, FBI, and Ken Paxton General Attorney, United States Attorney Monty Wilkinson , Greg Abbott - Governor of Texas, Ted Cruz- Senator, Texas Rep Joan Huffman- District 17,
Geanie W Morrison District 30
https://reportfraud.ftc.gov/#/
13 WAYS DEALERSHIPS COMMIT FRAUD
LINKS BELOW
https://www.youtube.com/watch?v=nYG7565CxG8
Research Google Reviews and Facebook Reviews for dealership purchases before you purchase.
https://www.facebook.com/victoriadodgechryslerjeep/reviews/?ref=page_internal&locale=en_GB
Dealership removed the active link of the cover up the SCAM!
After questioning amount financed,
Customer was told all fees
are required by The
DEALERSHIP TO BUY VEHICLE
& ARE NON-NEGOTIABLE!
F & I FRAUD !
SMART CUSTOMER - WALKED OUT !
ASK FOR BUYERS / PURCHASE AGREEMENT !
This is a complete breakdown of all charges charge for the purchase of vehicle. -- BUYERS PURCHASE ORDER
Make sure finance manager signs all documents provided to you.
WHEN NEGOTIATING
DO NOT LET THE DEALERSHIP DISPLAYED AND USE A FRAUDULENT WORKSHEET AS SHOWN ABOVE!
REQUEST TO SEE AND WORK FROM THE TRUE BUYERS ORDER.
THE WORKSHEET ABOVE CONTAINS MASSIVE FRAUD.
FORGERY,
Deception, Packing and Fees:
IS
100% ILLEGAL !
REPORT THE FRAUD
TO THE
THE FTC, FBI AND LOCAL POLICE
Brad H Reynolds was the Finance Manager
www.facebook.com/victoriadodgechryslerjeep/reviews/?ref=page_internal&locale=en_GBaph
DEALERSHIP REMOVE LINK
LINK TO LISTING https://texags.com/forums/46/topics/3272009
"In my opinion, Keating Toyota in Manvel scammed my almost 80 year old parents of almost 20k
My Senior parents had been looking for a minivan (Sienna). Found one online at Keating and agreed to price on email. They arrived at the dealership and were given the classic bait and switch We just sold it 5 minutes ago". They then convinced them that they could get one in the dealership the next day. Claimed it just happened to be coming in.
They agreed on a price that seemed reasonable. They came back the next day and went over the numbers. Everything seemed correct and in order. They were taken to the typical finance upsell foolishness. Refused the add ons. The paperwork was all on an in desk computer screen. The finance guy said he written numbers they agreed on would just be input into the computer. They weren't shown any new numbers on the screen and assumed it was the same as the paper they had been looking at because that is what they were told. They were not shown any changes on the computer screen. They signed it electronically. My dad asked for copies of what they signed. They refused and said they were only allowed to put the paperwork on a thumb drive.
They left and took the vehicle home. When they opened up the flash drive paperwork, almost 20k of scam warranties, APEX GPS etc had been added on. Unfortunately, they didn't tell me they they were buying the car and I was caught off guard by this level of brazen fraud. Preying on elderly folks like this is beyond the pale and makes me sick to my stomach.
Looking at online reviews, this seems to be a common scam they are running. Naturally they are refusing to talk to them or return calls etc. What recourse do they have here? Complaint to AG? Anyone experienced similar with elderly parents?"
Keating Toyota scammed my
elderly parents
TexAgs Forums:
https://texags.com/forums/46/top
WARNING OF
FRAUDULENT ACTIVITY!
BRAD REYNOLDS, BRADLEY H REYNOLDS:
FINANCE MANAGER
FINANCE FRAUD
REQUIRED THE REAL CUSTOMER TO
PURCHASE ALL
"CLAIMED" - (MANDATORY) OPTIONAL products to the
amount of $12,000+.
Then created
TWO FORCED DEALERSHIP STRAW PURCHASES
by enticing the hands-on buyer that,
"You do not want high interest rates".
The Finance Manager
BRAD REYNOLDS
then put both purchases under the
girlfriend's name only
which led to the so-called
"requirement" of these
apparent "optional" products.
With these forced products being visible on the
paperwork as the girlfriend was signing,
Which caught the attention of the
hands-on consumer, Boyfriend who emphasized that he had
no intention, nor desire to purchase these unwanted
Apex add-ons.
Not wanting to purchase the required add-ons, he
was met with the ultimatum of either purchasing
the vehicle with all fees and unwanted extras, or he
couldn't purchase the vehicle. Manager then states
when your
new truck comes in he will transfer all products to
his new truck again requiring adding additional not
wanted optional APEX products.
However, the trade-in
was in the hands-on consumer's, BOYFRIENDS name
ONLY! ,
creating
an illegal trade in, not in purchasers name.
Committing SALES TAX FRAUD & CREDIT FRAUD
APEX PROTECTION, INC.
5802 N Navarro St Suite 200,
Victoria, TX 77904
General: (888) 376-8940
Claims: (888) 941-1763
Claims Fax: (361) 485-0562
Info@ApexProtectionPlan.com
https://apexprotectionplan.com/
*REFERENCE DETAILS BELOW
THE REVIEW AND 2 STRAW
PURCHASE ORDERS,
USED TRUCK AND NEW TRUCK
FIRST STRAW PURCHASE ABOVE
PICTURE
LIST OF (MANATORY) BUT ARE OPTIONAL AFTERMARKET PRODUCTS
PAINTLESS DENT, PAINT & INTERIOR, WINDSHIELD PROT, APEX GPS, TIRE & WHEEL, APEX, MAINTENANCE, APEX GAP; VEHICLE 1: TRUCK PURCHASED -- PRE-OWNED
APEX UNWANTED PRODUCTS DEALERSHIP FINANCE DEPARTMENT ADDED: $12,488.00
"Security and Peace of Mind Protection for a few extra dollars per month – Apex Protection Plan has the perfect coverage for every budget. Apex Protection Plans are designed with you in mind".
https://apexprotectionplan.com/
75 month loan = $166.50 per month extra!
"A few extra dollars per month" DECEPTION AND FRAUD
LIST OF DEALERSHIP (MANATORY) OPTIONAL AFTERMARKET PRODUCTS
( VEHICLE 2 BELOW INFORMATION )
PAINTLESS DENT, PAINT AND INTERIOR, APEX PROTECT GPS, MAINTENANCE, APEX GAP TRUCK PURCHASED --A PRE OWNED
APEX PRODUCTS ADDED $ 3,461.00 ( VEHICLE 2)
1ST AND 2ND VEHICLE CASH LOST $ 3,OOO.00
SELLING PRICE WAS ALSO INCREASED BY (VEHICLE 1 ) $ 3,000.00
NEGATIVE EQUITY FROM TRADE IN ( VEHICLE 1 ) $ 2,700.00
TRADE DEPRECATION $ 6,413.80
TOTAL OF APEX PRODUCTS ( VEHICLE 1 ) $ 12,488.00
LESS APEX CANCELLATIONS REFUND TO DOWN PAYMENT $ -9,597.57
APEX PRODUCTS DEPREATION ADDED (2 months ) $ 2,890.43
LESS FEES $ -665.89
$66,637.18 TRUCK NOW FINANCING
$86,995.00
BELOW (VEHICLE 2 )
NEW TRUCK
STRAW
PURCHASE
Apex claims
"Peace of Mind Protection" $20,000+
"Security and Peace of Mind Protection for a few extra dollars per month – Apex Protection Plan has the perfect coverage for every budget. Apex Protection Plans are designed with you in mind".
https://www.dictionary.com/e/few-vs-couple-vs-several/
https://apexprotectionplan.com/
Apex Protection Plan
https://www.yelp.com/biz/apex-protection-plan-victoria
A vehicle that was stolen from Victoria Dodge at 8:00 a.m. Tuesday, recovered in an apartment complex in Houston later that morning. Victoria Dodge general manager James Law says ,
The truck was found using the Apex GPS system that is installed on all of Victoria Dodge’s vehicles.
Installed at whose cost!
and was it listed on the Addendum Sticker ?
Was it an "Addendum sticker DISCLOSED ITEM ADDED at a dealership?
"Victory Dodge Jeep Ram Wagoneer general manager JAMES LAW states GPS ADDED TO EVERY CAR"
The addendum or dealer add-on sticker is a dealership created sticker that will contain various high profit and/or overpriced accessories or products to add profit to the vehicle for sale. An addendum sticker is conveniently placed beside the large Manufacturer's Suggested Retail Price (M.S.R.P.)
DO CUSTOMERS KNOW TRACKING EVERY CAR !
A few means a small number. (“ I have fewer than you”/”they are few and far between”) Several, according to its dictionary definition means “more than two but not many”, so a few but not a couple.
If you run an auto dealership, accounting service, or one of many other
impacted businesses, you may be surprised to hear that the FTC has
broadened its definition of “Financial Institution” to include… you.
Under these new rules, you are now beholden to strict compliance
standards beginning on June 9, 2023.
And failure to do so could cost you
$46,517 per violation, OR
a seven-figure FTC-backed civil lawsuit, and
reputational damage that can be more costly still.
Non-compliance can lead to fines of up to $100,000 per violation.
"Federal Trade Commission"
Consequences of FTC regulations violation
As we all know that the security of data is utmost important for any individual or company. Hence, it becomes essential for any organization to strictly follow the FTC safeguard rule. And, we can’t ignore the fact that the consequences of not complying with the FTC Safeguards Rule can be serious like:
Your company will be subject to significant fines, and its reputation may be damaged.
As of June 2023, the FTC will be allowed to impose fines of up to $100,000 per violation under updated guidelines.
You may also face lawsuits from unhappy customers and employees, which could further harm your business' reputation.
Non-compliance can lead to fines of up to $100,000 per violation.
"Federal Trade Commission"
Notice/Awareness. All consumers must be notified that an entity plans on collecting data from those consumers, and that the entity has policies in place regarding how that data will be used. It varies from state to state, however, as to how much notice an entity must give.
- Choice/Consent. Consumer must be allowed to opt-in or opt-out of a company’s plans to use/disseminate their data. In other words, “choice means giving consumers options as to how any personal information collected from them may be used.”
- Access/Participation. Consumers must be allowed to see how their data is being used, and they must be allowed to contest any inaccurate or incomplete information.
- Integrity/Security. All entities must take the proper steps to ensure that consumers’ personal data is safe and secure.
- Enforcement/Redress. These steps mean nothing if they are not enforced, or if there is no policy in place for correcting errors and holding entities responsible for those errors.
According to the FTC Act, “Unfair” practices are defined as those that “cause or
[are] likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition” (15 U.S.C. Sec. 45(n)).It is important to note that while consumers suffer losses with regard to deceptive business practices, so do other businesses.
The Federal Trade Commission (FTC) seems to be in full assault mode when it comes to regulating auto dealers. It is doing so by proposing new rules and by entering consent decrees with allegedly offending dealers.
The FTC defines “junk fees” as “unfair or deceptive fees that are charged for goods or services that have little or no added value to the consumer, including goods or services that consumers would reasonably assume to be included within the overall advertised price.” It is unclear who would make this interpretation and what would be necessary to defend a fee to the FTC.
The FTC has also been active on the rulemaking front. In June, it issued a proposed Trade Regulation Rule affecting auto dealers. The proposed rule was styled to ban junk fees and bait-and-switch advertising tactics. A dealer would have to disclose in advertising and communications a true “offering price” for a vehicle that would be full price a consumer would pay, excluding only taxes and government fees. With this proposed rule, the FTC appears to be particularly pushing the elimination of junk fees, bait-and-switch ads, add-ons with no value, worthless aftermarket product, and mew disclosures to purportedly level the playing field.
The Trade Regulation Rule would also prohibit dealers from charging consumers “junk fees” for fraudulent add-on products and services that provide no benefit to the consumer such as “nitrogen filled” tires that contain no more nitrogen than normal air. The proposal would prohibit dealers from charging consumers for an add-on without their clear, written consent and would require dealers to inform consumers about the price of the car without any of optional add-ons.
In October, the FTC indicated its intention to publish a rule banning junk fees and other practices. The Rule targets unnecessary charges for worthless, free, or fake products or services; unavoidable charges imposed on captive consumers; and surprise charges that secretly push up the purchase price. One way the FTC described these fees was as follows:
Consumers can experience junk fee shock when companies unexpectedly tack on mystery charges they did not know about, consent to, or factor into the purchase. Companies might hide these fees in the fine print, cram them on at the end of a purchase process, or use digital dark patterns or other deception to collect on them. Some companies might claim that they do not charge any fees and then add on fees after the purchase or sign up.
In taking these actions, the FTC made unsupported broad generalizations about auto dealer behavior and undertook to expand its authority under Section 5 of the FTC Act which prohibits unfair and deceptive practices (UDAPs). The FTC claims that disparate impact credit discrimination is a UDAP. This ignores the law where the Equal Credit Opportunity Act (ECOA) is the only federal law on credit discrimination and the U.S. Supreme Court indicated in a 2015 opinion that statutory language like that which appears in ECOA does not support disparate impact but only intentional discrimination.
In taking these actions, the FTC appears to be usurping the legislative process that our Constitution provides to the Congress. The FTC also interprets laws — a power the Constitution confers on the judiciary — to expand its authority in a way that no Court has done The FTC knows that no auto dealer is going to finance a costly lawsuit to strike down its interpretations and there don’t appear to be any trade associations willing to take on the battle either.
Where does the FTC fit in? The FTC is another agency outside of the DOJ. Contrasting to the FBI which focuses on outright criminal activity like theft or money laundering, the FTC is responsible for more subtle issues like deception and ensuring dealerships operate fairly and honestly in the treatment of consumers. FTC investigates issues like honest advertising, proper disclosures, fairness, and transparency. This is done through the “Consumer Protection Unit”.
Further contrasting to the FBI, the FTC can do both investigation and prosecution of car dealerships! The FTC has its own in-house attorneys to handle this. The limitation is the FTC can only prosecute a dealership in civil court, but not criminal court. This means the FTC can only sue dealerships for outcomes like monetary relief and/or injunctions. If an issue merits criminal prosecution (e.g. someone may need to go to jail) then the FTC will refer it to the Department of Justice (DOJ) which can prosecute a dealership in criminal court through the US Attorney’s office." https://www.linkedin.com/pulse/car-dealership-fraud-deceit-investigation-prosecution-wortman-msc
https://www.ftc.gov/enforcement Report Fraud https://reportfraud.ftc.gov/#/
BRADLEY HOUSTON REYNOLDS INDICTMENTS BELOW
Cause No 07-02-02097CR
As of this date, 1/02/2025, --- NO Restitution balance of $142,450.10 Has NOT been paid.
TRANACTION ASSESSMENT ADDED
05/05/2024 $ 32,873.10
06/25/2024 $1,272.30
NEW TOTAL
1/15/2025 $142,450.10
Ex-Con, Bradley Houston Reynolds (AKA) BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
https://twitter.com/tiderider51
https://twitter.com/tiderider51?lang=en
for any of the 8 victims listed in the 2007 judgement and order Still after selling 2 homes for $900,000.00 this year, and buying a new home on 9/16/2022 for $394,790.00--$465,700.00
| JUDGEMENT | JUDGEMENT | INTEREST |
|---|---|---|
| AMOUNT | DATE | INDICTMENT |
| $ 112,000.00 | 10/11/2007 | INCARCERATED |
| JUDGEMENT | SIGNED | YRS 2005-2014 |
| $ 109,577.00 | BALANCE | 04/04/2024 |
| $ 32,873.10 | Transaction Assessment | 04/05/2024 |
| $ 1,272.30 | Transaction Assesment | 06/25/2024 |
| $ 145,450.10 | TOTAL ASSESSMENT | 01/02/2025 |
| $ - 2.705.00 | PAYMENT /CREDIT | 03/17/2020 |
| $142,450.10 | BALANCE DUE | 01/15/2025 |
| 6 % INTEREST | JUDGE DESIDES | FUTURE INTEREST |
Montgomery 359 District courts: Provided Document Filed 02/27/2007.
https://mctx.org/departments/departments_d_-_f/district_clerk/inquiry_index.php
https://odyssey.mctx.org/unsecured/default.aspx
Updated balance amount on 1/9/2025
Restitution Department
936-437-6167
936-437-3758
collections @ 877-249-8297
Case Transactions Summary for :
http://odyssey.mctx.org/Unsecured/Search.aspx?ID=100
Statement with victim's payout
Payments below as of 11/18/2024
Record Count:6Search By: Defendant Use Soundex: on Party Search Mode: Name Last Name: Reynolds First Name: Bradley Middle Name: Houston Date of Birth: 04/05/1985 All All Sort By: Filed Date Case Number Citation Number Defendant InfoFiled/LocationType/StatusCharge(s)05-12-11390REYNOLDS, BRADLEY HOUSTON
04/05/1985
12/29/2005
359th Judicial District Court
Adult Felony - Filed by Indictment
Disposed
THEFT OF STOLEN PROPERTY06-01-00773REYNOLDS, BRADLEY H.
04/05/1985
01/26/2006
359th Judicial District Court
Adult Felony - Filed by Indictment
Disposed
THEFT06-03-02739REYNOLDS, BRADLEY HOUSTON
04/05/1985
03/23/2006
359th Judicial District Court
Adult Felony - Filed by Indictment
Disposed
THEFT06-05-04518REYNOLDS, BRADLEY HOUSTON
04/05/1985
05/11/2006
359th Judicial District Court
Adult Felony - Filed by Indictment
Disposed
THEFT07-02-02097REYNOLDS, BRADLEY HOUSTON
04/05/1985
02/27/2007
359th Judicial District Court
Adult Felony - Filed by Indictment
Disposed
AGGREGATE THEFT07-03-03195REYNOLDS, BRADLEY HOUSTON
04/05/1985
03/29/2007
359th Judicial District Court
Adult Felony - Filed by Indictment
Disposed
BURGLARY OF HABITATION
Bradley (Brad) Houston Reynolds,
is on the
Government Watch list
Reference 6 Links Below:
Restitution - Montgomery County District Attorney's Office
https://montgomeryda.com/departments/restitution/
Cause No. 915573 11/11/2002 Theft 4 years Deferred Adjudication of Guilt , community supervision
184 TH District Court of Harris County, Texas $ 600.00 Fine Paid
Cause No 1021821 03/31/2005 Theft; Dismissed
184 TH District Court Of Harris County, Texas
Cause No 06-01-00773 01/26/2006
359 TH District Court of Montgomery County, Texas Theft, Indictment, Dismissed, convicted in cause 07-002097
Cause No 06-03-02739 03/23/2006
359 TH District Court of Montgomery County, Texas Theft, Indictment, State Jail, Dismiss , convicted in cause 07-02-02097
Cause No 06-05-045118 09/21/2006
357 TH District Court of Montgomery County , Texas Theft, Indictment, State Jail, Dismiss, convicted in cause 07-02-02097
Cause No 07-02--297-CR Aggregate Theft BRADLEY HOUSTON REYNOLDS
(AKA)
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS,
https://twitter.com/tiderider51
New Balance as of 10/22/2024 $142,450.10 Collections @ 877-249-8297
According to Section 31.09 of the Texas penal code, aggregate theft occurs when an individual commits two or more thefts “pursuant to one scheme or continuing course of conduct, whether from the same or several sources.”
What Constitutes a Lie
A lie doesn't necessarily have to be an outright false statement. Omissions can be just as dishonest as an out-and-out lie. It's suggested that the education section of the resume is where embellishments are most frequent. This often comes in the form of an individual claiming that they have completed an educational program that they may have only started or never achieved. Embellished titles, exaggerated job duties, altered dates of employment, altered residential history, false references, false creation of income checks, false tax returns and use of multiple cell phones for lies are also common. Then utilizing the Internet to promote the fraud.
INVESTIGATE BACKGROUND!
https://www.facebook.com/BHR40
Claims still working at Sterling McCall Chevy
April 7,2021 -September 2021
Terminated
Intro
New Car Sale ( Relationship Builder) Tomball Honda- Sales Person
- New Car Sales Manager at Sterling McCall Chevrolet - False Internet Manager
- Assistant Internet Director at Joe Myers Toyota - Fales Sales Person
- Former Sales/ Auto Exchange Manager at Fred Haas Toyota Country- False Sales Person
- Studied at Lone Star College- NEVER ATTENDED
- Studied at Oak Ridge High School, Conroe, TX G.E.D
- Went to Oak Ridge High School, Conroe, TX
- Lives in Spring, Texas, -False Now Victoria Texas
- From Tomball, Texas
2 months at Tomball Honda Relationship Builder "Salesperson"
VIDEO BELOW
Application claims Attended Lone Star College -False, Pending Refund SINCE 2006
No College Degree
PROBATION FROM 2002-2005
CONVICTED JULY 26,2005-JUL Y2013
Cause No 07-02-02097CR
ALL STAR TOYOTA AWARDS ARE FOR INTERNET SALES PERSON ONLY!
CLAIM AND FORCED--- 1/2 DEALS CREDITS FROM OTHER INTERNET SALESPERSONS
TO GET AWARDS!
NOT SALESMANAGER POSITIONS AS CLAIMED
Claims Military History - LIE- Complete BS
High school grad - GED
NO COLLEGE DEGREE!
Claims still married but wife Britney Pelton died November 18, 2020
https://www.linkedin.com/in/brad-reynolds-225676217/
https://www.dignitymemorial.com/obituaries/tyler-tx/brittany-pelton-9911141
Currently engaged as of 9/10/2022
https://www.linkedin.com/pub/dir/Bradford/Reynolds
https://www.facebook.com/BHR40
Brad Reynolds (@tiderider51) / Twitter
https://twitter.com › tiderider51
LIE
Fabricated LIE!
Fabricated LIE !
LIE
WAS
Internet/Salesperson
MANAGER
Brad Reynolds, Continuous
FRAUD,
100% Automotive finance
FRAUD
and
Claimed to work in Canada as
"Business Validation Officer"
MANY FRAUDULENT LISTINGS
to cover up his criminal
Indictments
CALL
Canada Revenue Agency !
Reference Case # 3913931
1-866-809-6841
"NO"
BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY
HAS EVER WORKED FOR CANADA REVENUE AGENCY!
ONE OF HIS MANY FRAUDULENT LISTINGS
to cover up his criminal indictments
Bradley Reynolds - Canada Revenue Agency
https://ca.linkedin.com › bradley-reynolds-5b003112b
Additional potential victims
of
Bradley Houston Reynolds
( AKA)
BRAD REYNOLDS
Links Below:
Some links listed below have been removed
https://www.instagram.com/tiderider51/
Brad Reynolds (@tiderider51) • Instagram photos and videos
srmartin01@gmail.com
tiderider51 Now claiming he is a football player!
Removed
Brad Reynolds (@tiderider51) / Twitter
https://twitter.com › tiderider51
https://unmask.com/Bradley-Reynolds/2/
Brad Reynolds (@tiderider51) / Twitter
https://mobile.twitter.com › tiderider51
https://twitter.com/tiderider51/with_replies
https://www.facebook.com/BHR40
https://twitter.com/tiderider51/status/757235781438050304
https://www.dsmtuners.com/threads/for-people-who-think-im-selling-my-car-imposter.191529/
https://rotarycarclub.com/rotary_forum/showthread.php?s=a8008c978ca7f381ac2155d7004c120a&t=18086
https://www.smartbackgroundchecks.com/people/brad-
Reynolds/El04ZwZ3ZQxjBQLkZmpjBGL2AGVm
The warning signs of employee fraud
https://www.aicpa.org/resources/article/the-warning-signs-of-employee-fraud
https://checkr.com/blog/background-check-for-financial-servic
Brad Reynolds (@tiderider51) · Twitter
https://twitter.com/tiderider51
Just got our tickets for the Kickoff game in Georgia! Behind the visitors bench! Bringing the whole family, so we're stoked! Would love to meet and get a pic with @AshtonGillotte @PierceClarkson_ @moneymannquann @ahmari_huggins @JoshMinkinsJr 7/11/2023
fubreynolds61@ix.netcom.com
srmartin01@gmail.com
Bradley H Reynolds does not have a college degree,
Had his name put on a apartment lease,
Establish multiple phone numbers,
Never attended Lone Star Collège
Lone Star College refunded his class deposit money, Year 2006
Was in custody for other crimes from 2004-2005 for 445 day.
Went to prison in 2006 -2014
https://www.bbb.org/us/tx/manvel/profile/new-car-dealers/keating-
toyota-0915-90061054/customer-reviews

Is this pattern of deception and fraud common practice in other Keating stores?
BELOW
KEATING TOYOTA COMPLAINTS
"Since January 2021, the BBB of Greater Houston & South Texas has received several complaints and customer reviews on Keating Toyota that exhibit the following pattern.
According to the consumer’s disputes, it is being alleged that Keating Toyota advertises a low price online, but when the consumer gets to the dealership, the price is higher. Consumers are also reporting that the dealer is including add-ons during the financing phase without their prior knowledge. Even when the consumers stated they do not want additional dealer add-on, they are still being included on the contract. Some consumers are reporting that they are unsuccessful in reaching the finance department to cancel warranties and add-ons".

https://www.youtube.com/watch?v=YKGfYYBpVxw
https://www.youtube.com/watch?v=3K0rxzWXBys

https://www.yelp.com/biz/victoria-dodge-victoria
BELOW
Keating Toyota scammed my elderly parents
43,618 Views | 219 Replies | Last: 2 mo ago by GrimesCoAg95
https://texags.com/forums/46/topics/3272009
"TLDR; In my opinion, Keating Toyota in Manvel scammed my almost 80 year old parents of almost 20k
My Senior parents had been looking for a minivan (Sienna). Found one online at Keating and agreed to price on email. They arrived at the dealership and were given the classic bait and switch We just sold it 5 minutes ago". They then convinced them that they could get one in the dealership the next day. Claimed it just happened to be coming in.
They agreed on a price that seemed reasonable. They came back the next day and went over the numbers. Everything seemed correct and in order. They were taken to the typical finance upsell foolishness. Refused the add ons. The paperwork was all on an in desk computer screen. The finance guy said he written numbers they agreed on would just be input into the computer. They weren't shown any new numbers on the screen and assumed it was the same as the paper they had been looking at because that is what they were told. They were not shown any changes on the computer screen. They signed it electronically. My dad asked for copies of what they signed. They refused and said they were only allowed to put the paperwork on a thumb drive.
They left and took the vehicle home. When they opened up the flash drive paperwork, almost 20k of scam warranties, APEX GPS etc had been added on. Unfortunately, they didn't tell me they they were buying the car and I was caught off guard by this level of brazen fraud. Preying on elderly folks like this is beyond the pale and makes me sick to my stomach.
Looking at online reviews, this seems to be a common scam they are running. Naturally they are refusing to talk to them or return calls etc. What recourse do they have here? Complaint to AG? Anyone experienced similar with elderly parents? "
https://texags.com/forums/46/topics/3272009
"Wow,
I didn't realize Keating was an Aggie. Makes this situation even more disgusting.
https://www.yelp.com/not_recommended_reviews/keating-toyota-manvel
Seems like what they did to my parents is a common scam they are running. Many of the Yelp stories are quite similar. Not sure how this is allowed to continue in the state. Truly dishonorable.
Retained a lawyer on their behalf today. They are filing a police report.
Making complaints to:
Texas AG office
Texas DMV
Texas Office of Consumer Credit."
Below Fraudulent Payment Menu
Packed with forced
Optional Aftermarket Products
with no option offered to customer to decline. FRAUD
DISCLOSURE CLAIMS:
SELLING PRICE $48,500.00 SELLING PRICE
https://www.yelp.com/biz/keating-toyota-manvel?start=90

$ 25,000 down payment by this fraudulent menu showing NO Cost for all of the aftermarket optional products offered! Reference top of page $48,500 less 25,000 down payment, + includes only fees of $350.00 and Taxes $3,167.05 Where is the option to decline all Optional products and where is the true payment for purchase with out any optional products and additions taxes added.
100% FRAUD
REFERENCE BELOW THE BUYERS PURCHASE ORDER:
$1884.00 WINDSHILD PROTECTION ( ALL OF THESE PRODUCTS ARE TAXABLE)
$1880.00 PAINT PROTECTION ( ADDITION TAX FOR THESE PRODUCTS CHARGED $ 479.81 )
$1780.00 DENT REPAIR
$4313.00 APEX GPS
______________________________
$10.00 DLR DEPUTY FEE ( ALL OF THESE ITEMS ARE LISTED AS NON TAXABLE)
$190.00 ST INSP, TITLE, LIC FEE
$150.00 DOCUMENTARY FEE
$135.80 DEALER INVENTORY TAX
$950.00 GAP INSURANCE
TOTAL FINANCE AMOUNT OF : $44,395.11 (DOES NOT SHOW ON MENU OFFERED) .
STAMPED SIGINATURE FOR MULTIBLE PRODUCTS FRAUD !
https://www.yelp.com/biz/keating-toyota-manvel?start=90
Fraudulent Vehicle Sales on the Internet
Consumers should be aware that criminals may publish false online classified ads offering vehicles for sale that are not, and have never been, in their possession.
The fraudulent ads frequently include images that match the vehicle description and a phone number or e-mail address for contacting the alleged vendor. Once contact has been established, the criminal sends further images to the intended buyer, along with an explanation of the lowered price and the transaction's urgency. The following are some of the most common explanations given:
The seller is relocating or serving in the military.
The automobile was part of a divorce settlement for the seller.
The vehicle belonged to a deceased relative.
By falsely claiming collaboration with a respected organization, such as eBay, and ensuring that the transaction will take place through the third party's buyer protection program, the criminal makes the fraud appear real. They may even send a phony toll-free number that seems to be the third party. The buyer is instructed to acquire prepaid gift cards in the amount of the sale and share the card codes with the criminal, who then informs the buyer that the vehicle will be delivered in a few days. Following the purchase, the criminal usually avoids any follow-up calls, texts, or e-mails from the buyer and may demand extra payments. Finally, the vehicle is never delivered, and the customer is never able to use it.
SalesmanPress video above to hear claim
The Covert Narcissist as a "Criminal"
Understanding A Narcissist, Psychopath
or Sociopath: How to spot the difference! Reference: https://youtu.be/J4yraZiJ9DReference: https://youtu.be/6dv8zJiggBsReference: https://youtu.be/_uJs0iGQN0M
Disclaimer:Press RED button BELOW for 63 pages of Bradley Houston Reynolds, (AKA) BRAD REYNOLDS, BRAD H REYNOLDS, BRAD HOUSTON REYNOLDS, BRADLEY REYNOLDS, BRADLEY H REYNOLDS, BRADLEY HOUSTON REYNOLDS, BRAD REYNOLDS - TIDERIDER 51,https://twitter.com/tiderider51tiderider51 - Brad Reynoldshttps://twitter.com/tiderider51?lang=en
Indictments!
Victims call collections at 936-538-8197
Reference case # 07-02-02097
FILL FORM BELOW & MAIL TO RECOVER RESTITUTION
MONEY OWED TO YOU !
$ 8 dollar Filing Fee !
UNITED STATES
DEPARTMENT OF JUSTICE
RESTITUTION PROCESS
https://www.justice.gov/criminal-vns/restitution-process
RESTITUTION ORDER ENFORCEABLE FOR 20 YEARS
1-866-365-4968 or go to
Brad Reynolds : AKA - Brad H Reynolds, Brad Houston Reynolds, Bradley Reynolds, Bradley H Reynolds, Bradley Houston Reynolds,
tiderider51,
EX-CON
Brad Reynolds (@tiderider51) / Twitter
Ex-con Third-Degree Felony Theft,
Court Ordered Judgement Restitution,
------------------------------------------------------------------------------------------------------------
(3) PROPERTIES OWNED BELOW:
------------------------------------------------------------------------------------------------------------
CURRENT PROPERTY
Property Number (1) ----------------------------------------------------------------------------
Current Address
Bought 9/15/2022
$465,700.00-$645,050.00
https://www.smartbackgroundchecks.com/people/brad-reynolds/El04ZwZ3ZQxjBQLkZmpjBGL2AGVm
VICTORIA CAD PROPERTY TAX DISTRICT REAL PROPERTY ACCOUNT INFORMATION
Tax ID: 20404767 info:
Click on a title bar to expand or collapse the information!
https://propaccess.trueautomation.com/clientdb/Property.aspx?cid=13&prop_id=20404767&year=2023
Property Number ( 2 ) --------------------------------------------------------------------------
Bought May 2, 2019
Sold on September 15, 2022 3 years, 4 months, 13 days.
$482,000.00 - $552,000.00
HARRIS COUNTY APPRAISAL DISTRICT REAL PROPERTY ACCOUNT INFORMATION
Tax ID: 1297930010038 Info:
Reference: Below
Property Number ( 3) --------------------------------------------------------------------------
Bought December 16,2016 5 years, 3 months, 16 days.
Sold on April 01, 2022
$325,000.00 - $370,000.00
HARRIS COUNTY APPRAISAL DISTRICT REAL PROPERTY ACCOUNT INFORMATION
Reference Below:
------------------------------------------------------------------------------------------------------
Current Balance of restitution
BALANCE OWED 1/15/2025
CALL
Collections
@
877-249-8297
"The FBI works with partners to investigate mortgage and financial institution fraud cases. The FBI participates in task forces that share intelligence, de-conflict cases, and create joint investigations.
Mortgage and Financial Institution Fraud
Financial institution fraud happens when criminals target banks, credit unions, and other financial institutions. Many schemes involve compromising customers' accounts or personal information. Embezzlement and misapplication of funds are two common financial institution fraud crimes in FBI investigations. Sometimes, fraud can be severe enough to cause the failure of a bank or credit union.
Mortgage fraud happens when someone lies to influence a bank's mortgage decision or if a distressed homeowner is the victim of a fraud.
There are two areas of mortgage fraud:
- Fraud for profit: This type of fraud involves professionals in the home buying process stealing cash and equity from lenders and homeowners. These types of cases area priority for the FBI.
- Fraud for housing: This fraud happens when borrowers lie about their incomes or assets on a loan application or influence an appraiser to manipulate a property's value.
The FBI works with partners to investigate mortgage and financial institution fraud cases. The FBI participates in task forces that share intelligence, de-conflict cases, and create joint investigations" https://www.fbi.gov/investigate/white-collar-crime
" Despite the FBI being the most famous criminal investigation agency, in general the FBI does not work alone. FBI investigates dealership crime in collaboration with other agencies. Those other agencies may not be part of the DOJ. For example, FBI collaborates with the IRS, US Postal Inspector, and State and/or Local law enforcement, such as the DMV or Sheriff Department. In reality, all such organizations are jointly responsible for the enforcement of legal dealership behavior.
Where does the FTC fit in? The FTC is another agency outside of the DOJ. Contrasting to the FBI which focuses on outright criminal activity like theft or money laundering, the FTC is responsible for more subtle issues like deception and ensuring dealerships operate fairly and honestly in the treatment of consumers. FTC investigates issues like honest advertising, proper disclosures, fairness, and transparency. This is done through the “Consumer Protection Unit”.
Further contrasting to the FBI, the FTC can do both investigation and prosecution of car dealerships! The FTC has its own in-house attorneys to handle this. The limitation is the FTC can only prosecute a dealership in civil court, but not criminal court. This means the FTC can only sue dealerships for outcomes like monetary relief and/or injunctions. If an issue merits criminal prosecution (e.g. someone may need to go to jail) then the FTC will refer it to the Department of Justice (DOJ) which can prosecute a dealership in criminal court through the US Attorney’s office." https://www.linkedin.com/pulse/car-dealership-fraud-deceit-investigation-prosecution-wortman-msc
https://www.ftc.gov/enforcement Report Fraud https://reportfraud.ftc.gov/#/
"The Court's restitution order on your behalf also acts as a lien in favor of the United States against all property owned by the defendant. The Criminal Division will cause judgment lien notices to be recorded in all counties where we are aware the defendant owns or may own property. The United States is allowed to enforce restitution orders on behalf of the restitution victims. So, if you have knowledge of the defendant's assets or sources of income, you should provide that information to this office to assist our collection efforts on your behalf.
You are entitled to request from the Clerk's office a document called an Abstract of Judgment. When properly recorded pursuant to state law (such as in a County Clerk's Office in a county where the defendant owns property), the Abstract of Judgment can give you a lien in your own name against the defendant's property. You will then have similar legal rights as any other civil judgment lien creditor, and this means you can collect the money from the defendant yourself. You must bear the cost of recording the Abstract of Judgment. If you request an Abstract of Judgment from the Clerk's Office by mail, you must include a self-addressed and stamped envelope.
Enforcement of the restitution order will be limited by the defendant's economic circumstances. If you have any information that will assist our efforts to collect your restitution, please contact us. Information about a defendant's assets, income and employment can be very helpful in collecting money from an unwilling defendant."
AUTOMOBILE LIENS INFORMATION
43 Tex. Admin. Code § 217.103 -
43 Tex. Admin. Code § 217.103 Section 217.103 -
" Restitution Liens (a) Purpose. Pursuant to the Code of Criminal Procedure, Article 42.22, the victim or an attorney for the state may file a lien on any interest in a motor vehicle of a person convicted of a criminal offense to secure payment of restitution or fines or costs. This section establishes the procedures to perfect the filing and the removal of the lien on any interest of the defendant in a motor vehicle whether then owned or after-acquired. (b) Definitions. The following words and terms, when used in this section, shall have the following meanings, unless the context clearly indicates otherwise. (1) Department--The Texas Department of Motor Vehicles. (2) Restitution lien--A lien placed against a defendant's motor vehicle in order to recoup a judgment or fines or costs. (3) State--The State of Texas and all its political subdivisions. (4) Victim--A close relative of a deceased victim, guardian of a victim, or victim, as those terms are defined by the Code of Criminal Procedure, Article 56.01. (c) Persons who may file a restitution lien. The following persons may file a restitution lien: (1) a victim of a criminal offense to secure the amount of restitution to which the victim is entitled under the order of a court in a criminal case; and (2) an attorney of the state to secure the amount of fines or costs entered against a defendant in a judgment in a felony criminal case. (d) Perfection of a restitution lien. A restitution lien against any interest in a motor vehicle must be perfected in accordance with Transportation Code, Chapter 501, and in the name of the court which established the restitution lien, in care of the court clerk. The victim or the attorney representing the state must file an application for certificate of title with a county tax-assessor collector to perfect the restitution lien. The application must be on a form prescribed by the department as described in § 217.4 of this title (relating to Initial Application for Title), and shall be supported by, at a minimum, the following documents: (1) evidence of motor vehicle ownership, as described in § 217.5 of this title (relating to Evidence of Motor Vehicle Ownership), which is properly assigned to or issued in the name of the defendant; (2) an original or certified copy of the court order or judgment establishing the restitution lien and requiring the defendant to pay restitution, fines, or costs; and (3) an affidavit to perfect a restitution lien which must include, at a minimum: (A) the name and birth date of the defendant whose interest in the motor vehicle is subject to the lien; "
"(B) the residence or principal place of business of the person named in the lien, if known; (C) the criminal proceeding giving rise to the lien, including the name of the court, the name of the case, and the court's file number for the case; (D) the name and address of the attorney representing the state and the name and address of the person entitled to restitution; (E) a statement that the notice is being filed pursuant to Code of Criminal Procedure, Article 42.22; (F) the amount of restitution, fines, and costs the defendant has been ordered to pay by the court; (G) a statement that the amount of restitution owed at any one time may be less than the original balance and that the outstanding balance is reflected in the records of the clerk of the court hearing the criminal proceeding giving rise to the lien; (H) the vehicle description (year, make, and vehicle identification number) of the motor vehicle for which the restitution lien is to be perfected; and (I) the signature of the attorney representing the state or a magistrate. (e) Fees. The applicant will be required to pay a $5 restitution lien filing fee, in addition to a title application fee in accordance with Transportation Code, § 501.138, and any other applicable fees required by Transportation Code, Chapters 501, 502, and 520. (f) Recording a restitution lien. Upon receiving a completed application for certificate of title, the required supporting documents and any applicable fees, the department or its designated agent will process and issue a certificate of title recording the restitution lien. The original certificate of title shall be mailed to the first lienholder, in accordance with Transportation Code, § 501.027. (g) Release of perfected restitution liens. The clerk of the court recorded as the lienholder will receive payments from the defendant and maintain a record of the outstanding balance of restitution, fines, or costs owed by the defendant. Upon satisfaction of the lien, the clerk of the court shall execute the release of lien as described in § 217.106 of this title (relating to Discharge of Lien). The release of lien must be provided to the owner or owner's designee. A photocopy of the release of lien shall be forwarded to the department for filing. 43 Tex. Admin. Code § 217.103 Adopted by Texas Register, Volume 40, Number 10, March 6, 2015, TexReg 1103, eff. 3/12/2015; Amended by Texas Register, Volume 41, Number 48, November 25, 2016, TexReg 9336, eff. 12/4/2016"
12.8 Restitution Liens Code of Criminal Procedures, Article 42.22, Restitution Liens, provides for the filing of statutory liens on motor vehicle certificates of title to secure the amount of restitution, fines, or costs awarded to a crime victim or the state by a court in a criminal case. A restitution lien may be established by a court order to a victim of a criminal offense (the term “victim” also includes a close relative of a deceased victim, or the guardian of a victim). Lienholder The lienholder name recorded on the application for a title must be the name of the court ordering restitution in the court order or judgment. For example: County Court at Law # __ c/o Clerk of the Court Mailing Address of Court
Filing/Perfection A restitution lien against a motor vehicle must be perfected in accordance with Transportation Code Section 501.111, and may be filed by the victim or the attorney representing the state. To record a restitution lien, an application for a title must be supported by: • The negotiable certificate of title in the name of or assigned to the defendant; • Application for Texas Title and/or Registration (Form 130-U); • Additional Liens Statement (Form VTR-267) if applicable; • The original or a certified copy of the court order or judgment establishing the restitution lien and requiring the defendant to pay restitution, fines, or costs; • An affidavit to perfect the restitution lien. The affidavit MUST be signed by the attorney representing the state or a magistrate and MUST include: • the name and date of birth of the defendant whose property or other interests are subject to the lien; • the residence or principal place of business of the defendant, if known; • the criminal proceeding giving rise to the lien, including the name of the court, the name of the case, and the court’s file number for the case; • the name and address of the attorney representing the state and the name of the person entitled to restitution; • a statement that the notice is being filed under Code of Criminal Procedure, Article 42.22, Restitution Liens; • the amount of restitution and the amount of fines and costs the defendant has been ordered to pay by the court; • a statement that the amount of restitution owed at any one time may be less than the original balance and that the outstanding balance is reflected in the records of the clerk of the court hearing the criminal proceeding giving rise to the lien; and • the vehicle description and vehicle identification number. Fees The applicant must pay the applicable title application fee and the $5 filing fee required of the Code of Criminal Procedure, Article 42.22, Section 7 (b). Priority A restitution lien is subordinate (not superior) to other liens recorded on the surrendered evidence of ownership. If the surrendered evidence of ownership indicates a recorded lien, a restitution lien should be recorded as a second or third lien, whichever is applicable.
Application for Texas Title and/or Registration (Form 130-U) Automobiles
Additional Liens Statement (Form VTR-267) Automobiles
LOAN CALCULATOR LINK:
Localcriminals.net
https://www.localcriminals.net/privacy
"The Consumer Review Fairness Act makes it illegal for companies to include standardized provisions that threaten or penalize people for posting honest reviews.
What’s the penalty for violating the Consumer Review Fairness Act?
Congress gave enforcement authority to the Federal Trade Commission and the state Attorneys General. The law specifies that a violation of the CRFA will be treated the same as violating an FTC rule defining an unfair or deceptive act or practice. This means that your company could be subject to financial penalties, as well as a federal court order.
To make sure your company is complying with the Consumer Review Fairness Act:
- Review your form contracts, including online terms and conditions; and
- Remove any provision that restricts people from sharing their honest reviews, penalizes those who do, or claims copyright over peoples’ reviews (even if you’ve never tried to enforce it or have no intention of enforcing it).
The wisest policy: Let people speak honestly about your products and their experience with your company."