Richard Graves is a commercial mortgage consultant. Clients pay him money $875.00 to qualify them and another $875.00 to match them up with a lender. But the lender, Wiseman Capital Group of San Antonio Texas was fraudulent and never had any intention of funding. Wiseman Capital Group collected $2,500.00 as a deposit up front for what they called Good Faith on my part to start the loan process. After countless promises from the lender and never keeping one promise I come to find Wiseman Capital Group to be a fraudulent lender. Richard Graves is the one that match me up with Wiseman Capital yet Richard Graves refuses to see any responsibility. On 1-3-2011, I sent Commercial Mortgage Consultant Inc. a certified letter but they refused to claim it. Richard Graves, stopped calling or emailing me 3 weeks prior to the final so called closing date. He had moved on and wanted to distance himself from the situation but he is still in the middle of this and I believe owes me a refund. If he is a legitimate businessman then he needs to take responsibility for the people he does business with and refer his clients to. He needs to do the right thing and refund me my money. I'm the damaged party; I trusted him and the company he referred me to. With all my husband and I have been through I feel he owe me all the money I sent him. He should have had enough integrity to have made some attempt at fairness to both of us. A Letter of Intent from a fraudulent lender does not qualify as securing me a lender and Richard Graves owes me no less than the second $875.00 back.

The following is the unclaimed demand letter I sent to Commercial Mortgage Consultants and Richard Graves on 1-3-2011:

On August 14, 2010, I mailed you a check for $875.00 as a due diligence fee to determine whether Borrower will qualify for a commercial loan and to further determine the best type of loan for Borrower, if Borrower qualifies.

On September 3, 2010 I wired you 875.00, for the service of securing a lender on the property located at 568 Armington Road, Belt, Montana 59412. This so-called lender Wiseman Capital Group was a fraudulent lender and in your words must be doing drugs or drinking you knew early on that there was something wrong with Rey Rodriguez from the conversations and the emails or lack there ofto the strange paperwork you received from him. You also informed me that he was doing the same thing to another client of yours. You are in the referral business and you are responsible for the people you do business with. I put a lot of money up in GOOD FAITH to you and then to the company you referred me to. Wiseman Capital Group and Rey Rodriguez along with you have cost me approximately $10,000.

Before I sent you any money I questioned where the money would be coming from. I even asked you if it was hard money you told me that the funding would be coming from a trust managed by your sister & you exuded confidence in that fact. You told me that no money would be requested from the lender until thy, were committed to the loan. The fact is that Rey Rodriguez is a fraudulent lender and never had any intention or means to fund any loan. I believe you were misleading me from the beginning. After obtaining Wiseman Capital Group I asked if you had ever done business with him before me and you told me you had done business with him but later when you knew he was not of his word you told me that he came highly recommended.

You stopped calling or emailing me 3 weeks prior to the final so called closing date. You had moved on and wanted to distance yourself from the situation but you are in the middle on this too and I believe you owe me a refund. If you are a legitimate businessman then you need to take responsibility for the people you do business with and refer your clients to. You need to collect any money you are out from Rey Rodriguez and Wiseman Capital Group. But in the meantime you need to do the right thing and refund me my money. I'm the damaged party; I trusted you and the company you referred me to. With all my husband and I have been through I feel you owe me all the money I sent you. You should have had enough integrity to have made some attempt at fairness to both of us by now. So I'll tell you what's fair; I sent you the first $875.00 for your due diligence in qualifying me and that's my cost of doing business with someone I don't know, however the 2nd $875.00 is at issue. A Letter of Intent from a fraudulent lender does not qualify as securing me a lender and you owe me that $875.00 back.

This is formal demand upon you to restore and refund to me to sum of $875.00. You have ten (10) business days to refund my money, if I have not received my $875.00 by January 13, 2011, I will be forced to take other steps to protect my interest including compensation for all the money you have cost me.

The following is the scam report I filed on Wiseman Capital Group:

Days before I was suppose to originally close I found out that my file had been sitting on someone's desk for at least three weeks. Once Wiseman Capital Group received $2500.00 from me they did nothing with the loan--it apparently just set.

For nearing two months now my husband and I have been homeless; living in our RV in a campground in the middle of Montana. It's now November with snow and winter quickly approaching, because of Rey Rodriguez the owner of Wiseman Capital Group's, promises.

September 3, 2010, I wired $2500.00 to Wiseman Capital Group after receiving their Proposal to Lend letter including terms. With the exception of what the loan payments would bein fact it's now over 2 month later and they still have not communicated the amount of my loan payment and yet Rey Rodriguez reassures me and the seller's agent that he will get me to the table any day. My escrow should have closed 10-6-10 then it was going to be 10-26-10. Rey Rodriguez assured me that there should be NO problem funding and closing on 10-26-2010. Then it was for sure the next week well we're at the end of that week and I've yet to get a phone call or email from Rey Rodriguez or Wiseman Capital Group. On November 2, 2010 I called Rey Rodriguez on what he said was his personal cell phone and got his receptionist where I sensed she was lying to me, I became firm and she hung up the phone on me and when I called back I got a message that the mail box for that number was full. There main number had the same message. That was three days ago and still NOTHING not an email not a phone call, nothing.

Rey Rodriguez knew my down payment was coming from my retirement account that was invested in the stock market. When Mr. Rodriguez assured me that the loan would close on 10-26-10 I liquidated my stock, took an early withdrawal which I will have to pay penalties on the money and without a thought for me.

I have been damaged to the tune of approximately 10,000.00 in this deal. I've moved from my home and my belongings are on a moving trailer and being stored at a sizable fee and still I have no home.

And it's not just me that's being damaged. Rey Rodriguez knows the seller is trying to close on her new property but is contingent on the sell. Look at the time that's been wasted by so many people working on a deal that Wiseman Capital Group has barely worked on and I think has no intention to ever close this deal. Rey Rodriguez has strung me along for over two monthsI've lost the time it would take me to find new money. I've lost the opportunity to buy a business and its future income. I've lost a home and I've lost of a lot of money.

Rey Rodriguez, again set a closing date of 11-15-2010, He sent me papers stating the loan was approved by the underwriters and yet here it is 11-15-2010, and I have heard NOT a word from him. He doesn't answer my emailsnor does he return my calls.Eight days later after the underwriter's approval had passes Rey Rodriguez writes with yet more excuses. Then on 12-9-2010 he writes: I need your address to send you a refund. I am sorry that I did not get your loan financed. Please send me your address and I will send it today. To date I has received NO more communication or any refund.I also sent Wiseman Capital Group a demand letter which they signed for but never responded to.