• Report: #268915

Complaint Review: Axis Merchant Group & Northern Leasing Company

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  • Submitted: Mon, August 20, 2007
  • Updated: Thu, March 19, 2009

  • Reported By:san jose California
Axis Merchant Group & Northern Leasing Company
500 Airport Blvd, Ste 405 Burlingame, California U.S.A.

Axis Merchant Group & Northern Leasing Company SCAM / FRAUD--BEWARE*** Axis merchant group & Northern Leasing company teaming up to SCAM business owners**FRAUD--BEWARE*** RIPOFF Burlingame California

*Author of original report: Axis Merchant Group SCAM (Northern Leasing Co) MUST READ

*Consumer Comment: Anthony you should just post your profit on a delivered lease!

*Author of original report: Axis Merchant group is FRAUD, they change contractual terms after they have been signed and leave you stuck! DONT TRUST AXIS MERCHANT dont FALL for it

*REBUTTAL Owner of company: Response to jenanthony's false identity, many untrue statements, fabrications, and lies

*Consumer Comment: Axis and Northern are part of Nationwide Organized Crime Syndicate

*UPDATE EX-employee responds: If i'm lying then why arew people still complaining? Axis is FRAUD/ SCAM/ GET OUT BEFORE ITS TOO LATE!!!

*REBUTTAL Owner of company: Northern Leasing IS NOT corrupt in any way!

*Consumer Comment: Northern Leasing is corrupt

*REBUTTAL Owner of company: We take the steps necessary to insure our merchants know what they are signing and agreeing to!

*Consumer Suggestion: Axis Merchant Group trying to cover their "assets" by claiming to be doing good business

*REBUTTAL Owner of company: UPDATE ON IDENTITY OF PERSON MAKING FALSE POST

*REBUTTAL Owner of company: THE PERSON MAKING THE EMPLOYEE REBUTTAL POST HAS FRAUDULENTLY CREATED A FAKE IDENTITY, ACTING AS A THIRD PERSON, WE KNOW WHO YOU ARE!

*UPDATE EX-employee responds: BEWARE!!!!AXIS MERCHANT GROUP IS A SCAM AND FRAUD THEY DON'T CARE IF YOU GO BANKRUPT GET OUT OF THE CONTRACT BEFORE 30 DAYS!!!!!

*Author of original report: Responding to H. Moreno

*UPDATE Employee: Response to Nakaj

*Author of original report: Answering ?

*Consumer Comment: ???

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I was unfortunately another victim of Axis Merchant Group & Northern Leasing. The only difference in my case is that I dealt with Axis Merchant group from the beggining. They also promised me to provide great services to my customers, etc, etc. The lease I signed through Axis merchant group for Northern leasing does not state how long the lease will be but when I began complaining to Axis merchant group, they sent me a complete package of all the forms I supposedly signed. In this package I found an Axis merchant group rep or a Northern leasing rep had filled in my personal information and signed me up without me knowing for a lease of two years.

The CEO of Axis merchant group, Antony Manzilla, came down personally to my business trying to resolve the problem. He promised to cancel the lease and refund every single charge. He did it for the first couple of months but now he refuses to help me cancel or transfer the lease as he promised and now he ignores my phone calls and does not return my calls.

As the saying goes, "birds of the same feather flock together". In this case Axis Merchant group located at 500 Airport Blvd, Ste 405 Burlingame , CA , 94010 Tel: 800-799-2947 and Northern leasing are the same type of thiefs praying on small business owners.

I hope a class action lawsuit does get started agains Northern leasing and Axis merchant group.

DO NOT USE Axis merchant group or Northern leasing company

Nakaj
san jose, California
U.S.A.

This report was posted on Ripoff Report on 08/20/2007 04:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Axis-Merchant-Group-Northern-Leasing-Company/Burlingame-California-94010/Axis-Merchant-Group-Northern-Leasing-Company-SCAM-FRAUD-BEWARE-Axis-merchant-group-268915. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Author of original report

Axis Merchant Group SCAM (Northern Leasing Co) MUST READ

AUTHOR: Nakaj - (U.S.A.)

As mentioned before on this report, I had been taken by an Axis Merchant group salesman. Fortunately I made copies of all documents I signed with the Axis Merchant Group agent.

I believe my "back down to no one" attitude, my persistance, knowledge of the legal system and the copies of all documents is what helped me solve this problem.

After months Antony Manzilla and giving me "lip service" with empty promises, I was finally given the cold shoulder. He had one of his "customer service manager" call me and resolve the issue. After dealing with him, I got nowhere either. Finally I got fed up and reported them to the BBB. After that they promissed to resolve the issue but it was again simply their "lip service."

Throughout this time, Norther Leasing sent my account to collections and began showing on my credit report. However, I contacted Norther Leasing's legal department and reported Axis Merchant group fraudulent deals. They reviewed my situation and realized, the same thing Antony Manzilla realized months before, that Axis Merchant Group's agent had commited fraud on the application.

After a long time of dealing with Norther leasing, they finally cancelled my "lease" and removed the collection account from my credit report.

My suggestion to anybody else that is thinking about dealing with Axis Merchant group or Northern Leasing is:

Read and understand ALL terms of the contracts you sign
Make copies of ALL documents you sign (this will prove what you originally agreed to, which is what I did)
Get all the information from the agent that approaches you
DONT be a fool! They will try to sell you on their "uneccessary" services by giving you the best case scenario. Agree only if you feel it is for your best interest.

Would I recommend Axis Merchant Group to anybody?.......my answer is a firm and resounding NOOOOOOOOOO!
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#2 Consumer Comment

Anthony you should just post your profit on a delivered lease!

AUTHOR: Mike - (U.S.A.)

Anthony, You could really garner some sympathy and understanding if you just posted what you earn on one 48 month lease! They would then see why these terms are often not disclosed correctly because your sales force probably is commission based and is only paid on signed leases. The money in question is very good from the profit standpoint and tends to make people bend the rules. I personally know ex reps from many ISO's like you who have made large amounts of money by getting signatures on these leases with out the customers knowledge! They would install the equipment and bring another person with them (posing as a co worker) who would fraudulently authorize and confirm the lease with the leasing company!! They did not care because they were making $1,400.00-$2,000.00 per lease. They were paid the day after they confirmed the lease and installation! I hope that everyone can see why Anthony is trying make sure that these terms and fees are disclosed.....Can you imagine the amount of money he would have to pay back to the leasing companies if it were found out that terms and fees were changed or not disclosed...........As Bruce from Vermont says....Organized crime!!
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#3 Author of original report

Axis Merchant group is FRAUD, they change contractual terms after they have been signed and leave you stuck! DONT TRUST AXIS MERCHANT dont FALL for it

AUTHOR: Nakaj - (U.S.A.)

Like I said before and as one of your managers told me over the phone (I got recording conversation of this), Axis Merchant group is NOW, maybe, making an effort to provide good service and training to its clients. But what is going to happen to the hundreds of business owners that already got victimized by your sales agents?? What about them??

Well, just to let you know, what I signed is one contract but what you guys have and what you guys submitted to Northern leasing is another thing. You guys went filled out different terms from the ones I agreed to.

Therefore you guys committed contractual fraud. And apparently I am not the only one according to Jenanthony. It seem like you guys do the old bait and switch on a lot of people and because you guys are getting a lot of complaints, NOW you guys are trying to clean up your act.

It's like a robber, after robbing a small business owner, tries to comeback to the business owner and apologizes for what he did and claims to have changed and claims to now be on a good track. Well.that is fine that you guys are NOW taking steps to reform the ways you do business, but what about all the business owners you guys took advantage of??

While you guys are out there making more money, the business owners, like me, are left holding the bag!!

Like I said, the contract could have been as clear as daylight, which is not because an attorney had a hard time figuring it out, but if I sign a contract with certain terms and I end up receiving a totally completely different terms, then that is FRAUD. You guys can say this and that about the contract but I do have proof of the CONTRACTUAL FRAUD you guys committed.

If in fact the case was that there were only a few unhappy customers, and that is normal for a business to have, then there would not be so MANY posts against Axis Merchant group from so MANY unhappy business owners.

I am not blaming anybody; I am just stating the truth about your UNETHICAL business deals.

As soon as I notice something wrong with the contracts and services, I contacted Anthony Manzilla directly; he personally offered to help clear this mess out because he did realize what had happened. He realized that someone in his own company had changed the contract from the one I signed. He was so willing to help for the first week or so and then as Jenanthony said, Anthony supposedly goes into meetings, he supposedly travels, he supposedly promises to call you back but all he does is just give you the run around. I have left hundreds of messages for him to call me back and he never did after he PERSONALLY promised to clear this mess.

As far as IPP receiving many complaints from you, I have proof; I have names contact information and email address of the person that was doing the investigation about all the complaints about Axis Merchant Group.

You claim that Jenanthony, is not credible because he/she is not using a real identity, well I think that person knows a lot about how you guys do business because a lot of the things he has said like falsifying contractual documents,Anthony hiding after his company makes a mess, etc, etc and I have been at the receiving end of those FACTS, so yeah, I think Jenanthony has good information to share about Axis Merchant group dirty laundry.
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#4 REBUTTAL Owner of company

Response to jenanthony's false identity, many untrue statements, fabrications, and lies

AUTHOR: Axis Merchant Solutions - (U.S.A.)

Jenanthony:

If you are telling the truth, then why are YOU hiding behind a FALSE identity on this site. This is highly unprofessional and highly suspicious. Because of your false identity you are using, you will never have any credibility with anything you say, even if you make a desperate attempt to fix your mistakes.

Every corporation in America will have clients that are not happy for some reason or another. We have thousands of merchants, and it is true, we will have a few clients who will complain for one reason or another. It is not possible to make every single client happy. We have 10 employees on staff ready to provide customer service, support, and training. Our clients know they cannot cancel their lease contract, and when that is all they demand, we cannot help them as their is nothing we can do. The clients signed a contract agreeing to these terms that they cannot cencel, and then a month later they want to cancel. Does this make us look bad or is this fair? We have an obligation to provide a service which we provide every day at the same time the client has a legal obligation to honor the contract they signed that states the contract is NON-CANCELLABLE.

When it comes to operating their equipment or asking for support and training, we stand by ready to help immediately. If they demand a refund, we cannot help them.

It is apparent you are upset because your employment with our company came to an end. While your upset is understandable, posting fabrications and insults about your former employer on the internet is far from a professional way to deal with your disappointment.

We wish you the best of luck with your future endeavors.
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#5 Consumer Comment

Axis and Northern are part of Nationwide Organized Crime Syndicate

AUTHOR: Bruce - (U.S.A.)

Axis Merchant Services and Northern Leasing are part of Nationwide organized crime syndicate. They are essentially the same company and are out to scam you
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#6 UPDATE EX-employee responds

If i'm lying then why arew people still complaining? Axis is FRAUD/ SCAM/ GET OUT BEFORE ITS TOO LATE!!!

AUTHOR: Jenanthony - (U.S.A.)

You claim that my statement is a frabication? Well let inform you. Webster defines frabication as a noun: the deliberate act of deviating from the truth [syn: lying].

1.Are you saying you never cut and paste a signature onto another document to have all the require signatures? (i got proof).
2.Are you saying that your wife never said not to mail of the contracts to the merchants so that they would not know about the cancellation time frame? (I was a witness to hearing her say that and other people too, i have proof)
3.Are you saying that you never deposited money into the merchants account because they had NSF and Northern Leasing could not withdraw the money so you were going to receive a charge back (money that you receive when you sign someone up to $4000.00 that you could be force to re-pay if they were not able to withdraw the first ACH from the merchants bank account), if you did not put money in the merchants account. (I got proof)
4. Are you saying that when people call to cancel their services you did not tell us to process it anyways. (i got proof)

Anthony its time to face reality your a scam artist. You take people's money and when they call to talk to you, you tell your employees to tell them your in a meeting, or your not there, or to take a message. I was there how can you tell me any different. People that worked there would back my statement up. Pay these people back their money, you've taken away so much from them.

Merchants listen: He sells you a credit/ debit terminal that cost about $330.00 if you by it on e-bay or online for about $4000.00!!!!!! He makes you sign a lease for 4 years (48 months) at a montly price of up to $ 150.00 a month. Come on Anthony did you think you could scam these poor innocent people for ever!!!!

Merchants HE IS RIPPING YOU OFF!!!!!

CONTACT THE BBB: Phone: (866) 411-2221

CONTACT CONSUMER AFFAIRS:http://www.consumeraffairs.com/php/a_report.php

CONTACT THE ATTONEY GENERAL: http://ag.ca.gov/
Attorney General's Office
California Department of Justice
Attn: Public Inquiry Unit
P.O. Box 944255
Sacramento, CA 94244-2550

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#7 REBUTTAL Owner of company

Northern Leasing IS NOT corrupt in any way!

AUTHOR: Axis Merchant Solutions - (U.S.A.)

To those of you who are stating that Northern Leasing is corrupt, a Fraud, or a scam, this is simply NOT true at all.

The equipment lease contract you sign states all the terms and conditions, is a 4 page 11 x 17 folded document, and in no way can any sales rep or company EVER be able to hide anything from any client, nor can any sales rep or individual trick anyone into signing a lease, nor can anything be hidden from you.

The leasing company PERSONALLY verifies the lease contract with the business owner OVER THE PHONE IN A RECORDED PHONE CALL FOR QUALITY PURPOSES and asks a series of questions to insure the business owner clearly understands the contract, what they signed, the lease amount, how many months, and clearly asks the business owner if they do understand that the lease is NON-CANCELLABLE, and if they still understand this term and agree to it, and the business owner must verbally over the phone in a recorded call say YES they agree to the dollar amount x how many months and they must say YES that they understand the lease is NON-CANCELABLE. The leasing company even states to you that no sales rep is authorzed to verbally make any side agreements, promises, or guarantees in addition to their contract terms, and if you are aware of this?

So clearly YOU have 2 opportunities to decide NOT to sign the contract or change your mind before the lease is legal and enforceable. So your statements are far from the truth.

It is your PERSONAL RESPONSIBILITY to read the contract, know what you are signing, and understand the terms. As a responsible business owner, you made the decision to sign the contract, you agreed to the terms, and you were given 2 opportunities to say, "WAIT, i need more time or i need to think about this before i do this!"

Our contracts and terms are the same as with any company in America, like the contracts you sign when you buy a car, a house, sign up for a cell phone carrier, and so on. IF YOU DON'T LIKE THE CONTRACT, OR IF YOU DON'T AGREE TO THE TERMS, THEN DON'T DO BUSINESS WITH THAT COMPANY AND FIND SOMEONE ELSE. IT IS THAT SIMPLE.

We truly do wish you and your business the best of luck.
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#8 Consumer Comment

Northern Leasing is corrupt

AUTHOR: Bruce - (U.S.A.)

If Axis Merchant Group is doing business with Northern Leasing then Axis Merchant Group is part of the scam. The way these companies work is that they play good guy and bad guy. Axis tricks you into signing a lease with Northern leasing and then Northern Leasing is the person who goes after you.Northern Leasing has many other aliases. They are also known as MBF Leasing Do a little research and you will find there is a connection with a lot of companies listed in Ripoffreports
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#9 REBUTTAL Owner of company

We take the steps necessary to insure our merchants know what they are signing and agreeing to!

AUTHOR: Axis Merchant Solutions - (U.S.A.)

Nakaj,

Axis Merchant Group has thousands of merchants over the past 2 years, and as with any business, we are always going to have a few dozen merchants who are not happy for some reason, like yourself. On this site alone, we have 2-3 unhappy customers out of the thousands we have.

The fact is, you signed the contracts presented to you, and if something did not sound right, you should have never signed the contracts. In no way is Axis Merchant Solutions a fraud or a scam. It is your RESPONSIBILITY, yours, not ours, not an attorney, or anyone else, but your responsibility as a responsible business owner to READ your contract, understand it, ask questions, call the corporate office, let an attorney review it, do your home work, BEFORE you sign the contract. Once you sign the contract, and the equipment is installed, and the lease is verified by YOU with the lease company, then the equipment lease is NON-CANCELLABLE. You AGREED to this and made a decision to go through this entire process.

When we are notified about something that is wrong, or if a customer is unhappy, then we go out of our way to fix the problem. At one time, we had the company President fly to the merchant location to work with the merchant to fix the problem. We take all the steps necessary to fix problems. We spend money to insure equipment and services are working properly, the merchant is fully trained, and have 10 employees on staff to provide support and customer service over the phone for all our clients.

You are stating in your post above that a non-cancellable contract in NOT FAIR. Thousands of consumers every day sign up with companies like cell phone providers, buying a car, and so on, and guess what? The contracts and their terms may seem unfair and it may seem the contracts are 1-sided. No one threatens or forces you to sign the contract. You signed the contract and agreed to its unfair terms. In California, when you buy a car, they have a new law saying there is NO COOLING OFF PERIOD because of buyers remorse or whatever reason. Now that is NOT fair at all. But there are hundreds of thousands of people who buy a vehicle every month in California who understand these UNFAIR conditions, but buy a car anyways.

You are trying to make negative posts regarding Axis Merchant Solutions because of our unfair contract terms and conditions as well as the equipment lease from the leasing company. Guess what? There are hundreds of thousands of business owners every year signing up for a merchant account and leasing equipment, and they are ALL signing and agreeing to the SAME contract terms and equipment lease contract terms as we provide. There are thousands of businesses just like ours who sell the same services and equipment leases, using the same contracts.

Individuals like you are ignoring PERSONAL RESPONSIBILITY and blaming everyone else, call themselves victims of a fraud or a scam, talk to an attorney, and so on, when they fail to realize that they signed a contract without taking the time to ask questions and make sure it was the best for their business. We have merchants earning an additional $3,000 to $4000 additional income per month using our services. And the equipment lease and all the monthly fees they pay Axis and our vendors are NOT viewed as business expenses, excessive, fraudulent, or a scam. They are viewed as a valuable investment in their own business that is allowing them to earn substantial profits every month while they are able to provide valuable services to their walk-in customers.

You also stated that we OMITTED several factors or terms of the contracts. The equipment lease contract you signed states all the terms and conditions, is a 4 page 11 x 17 folded document, and in no way can any sales rep or company EVER be able to hide anything from any client. The leasing company PERSONALLY verifies the lease contract with the business owner OVER THE PHONE IN A RECORDED PHONE CALL FOR QUALITY PURPOSES and asks a series of questions to insure the business owner clearly understands the contract, what they signed, the lease amount, how many months, and clearly asks the business owner if they do understand that the lease is NON-CANCELLABLE, and if they still understand this term and agree to it, and the business owner must verbally over the phone in a recorded call say YES they agree to the dollar amount x how many months and they must say YES that they understand the lease is NON-CANCELABLE. So clearly YOU had 2 opportunities to decide NOT to sign the contract or change your mind before the lease is legal and enforceable. So your statements are far from the truth.

Lastly, you state that IPP has complaints about us. Where are you getting your information from? It is important that when you make a statement about a company, back up your statements with proof and documentation. We have backed up every single statement we have made on this site with proof and details.

You also stated SO many complaints, SO many false reports. Where are you getting your information to post such a statement like this? We have thousands of merchants over the years, and like any business in America, every company is not going to be able to keep all their clients happy, and will always have a small percentage of clients not happy. It is important that when you make a statement about a company, back up your statements with proof and documentation.

We truly do wish you and your business the best in luck!
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#10 Consumer Suggestion

Axis Merchant Group trying to cover their "assets" by claiming to be doing good business

AUTHOR: Nakaj - (U.S.A.)

I am one of the small business owners that got taken in by all the lies from an Axis Merchang group rep and I need to clarify some things written by the person posting the above rebutals claiming that Axis Merchant is doing fair business.

First of all the "good" things that they claim to be doing now like, better rep training, paying out of pocket for extra training, better paperwork contracts, etc, etc. All these things were implemented not too long ago after Axis began receiving so many complaints from small business owners, their customers, as explained to me by one of Axis Merchant Group's to representative. He told me specifically that they are now doing a better job informing their prospective new customers about all the terms of their contracts.

So to be fair, yes they may be doing a better job now but that does not erase the fact that they have produced a lot of losses to business owners rather than all easy profits as strongly stated by Axis's representatives.

Axis has probably let go of many reps because of all the problems they were having with small business owners. I know my rep, according to Axis Merchant group, got fired but not after doing a huge damage.

In regards to the terms of their contracts and the clarity of their contracts, an attorney has reviewed mine and he said that he would have trouble reading it and that he would have to sit down for several hours to understand the terms. Yeah all terms MAY be written down and in bold but they are certainly not clear and their reps dont explain them clearly either. They omitt several factors of these contracts. If they did not omitt so much of the contracts during the presentations, they would not find any business owner to agree to such a predatory way of doing business in a contract.

How could you say that "non-cancelable and can never be terminated, for whatever reason" is a fair term in ANY contract. This simple fact has been the reason why Northern Leasing, an Axis Merchant's service provider, apparently is receiving several lawsuits.

As far as Axis Merchant group goes, I can tell you that they have received so many complaints that even IPP, another one of their service providers, has been calling business owners worried about all the complaints.

Tell me how is that IPP a separate entity from Axis Merchant group is worried about all the complaints about Axis?

So many complaints, so many reports of wrong doing......in my opinion, from personal experience and other, NOBODY should trust doing business with Axis Merchant Group.
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#11 REBUTTAL Owner of company

UPDATE ON IDENTITY OF PERSON MAKING FALSE POST

AUTHOR: Axis Merchant Solutions - (U.S.A.)

Hello everyone,

It has come to our attention that the person above who made the false statements under the name "jenanthony" is NOT Mr. JW after all. We are sorry for the confusion.

Jenanthony:

It is apparent you are upset because your employment with Axis Merchant Solutions came to an end. While your upset is understandable, posting fabrications and insults about your former employer on the internet is far from a professional way to deal with your disappointment.

We wish you the best of luck with your future endeavors.

Management
Axis Merchant Solutions
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#12 REBUTTAL Owner of company

THE PERSON MAKING THE EMPLOYEE REBUTTAL POST HAS FRAUDULENTLY CREATED A FAKE IDENTITY, ACTING AS A THIRD PERSON, WE KNOW WHO YOU ARE!

AUTHOR: Axis Merchant Solutions - (U.S.A.)

THIS IS A RESPONSE TO THE PERSON WHO MADE THE POST ABOVE UNDER THE NAME OF jenanthony, San Bruno, California, U.S.A.

ACTING ON THE INSTRUCTIONS OF OUR ATTORNEY, WE ARE NOT GOING TO MENTION HIS NAME, AS WE WILL BE INITIATING A LAW SUIT AGAINST THIS PERSON AND WILL POST THE RESULTS OF THE LAWSUIT ON THIS SITE WHEN THAT TIME COMES. FOR NOW, WE FEEL IT IS IMPORTANT THAT WE RESPOND TO THIS POST TO MAKE SURE ALL THE FACTS ARE KNOWN .

FOR NOW, WE WILL REFER TO THIS PERSON AS JW

First of all, the person who made this post did this under a false identity. The name jenanthony is actually the names of managers with Axis named Jennifer and Anthony. It is interesting that JW would choose the first names of the owners of Axis as JW screen name on this website.

Second of all, this person stated, Oh by the way Josh JW was an employee of Anthony Manzilla who JW is not work for Axis anymore since Anthony probably did not pay him what he asked for. The fact is, the person making this post is actually Mr. JW.

JW was not a former employee in any way for Axis Merchant Solutions, he was an independent contractor who was hired to design websites and marketing materials. The manner in which JW made this post by creating a completely false identity, making false statements, and interfering with business relationships between Axis and our merchants is highly unethical and unprofessional with absolutely no evidence or any documentation to back him up.

JW conduct in the manner in which he communicates with other businesses is extremely unprofessional. He sent numerous emails to the owners of a reputable company that included profanity, and threatening statements if we did not send more money to Joshua JW.

Axis Merchant Solutions paid JW to produce work on websites and marketing materials, and provide results. Axis Merchant Solutions even paid JW in advance at times because he needed help. Most of the work JW produced was incomplete and never finished, and poor quality. Axis was unable to get a hold of JW on a daily basis to finish projects while phone calls were unanswered and emails and voice mails were never responded back from him in a consistent and timely manner. Axis had a lot of work and projects to complete, and was unable to receive the commitment Axis needed from JW. When we made payments in advance to Mr. JW, he would disappear for days without any progress or producing any results for our company. We continuously experienced delays in getting work done. We were unable to operate in this manner.

Finally, after experiencing all these problems, Axis hired another independent contractor in December 2007 to redesign everything JW started and never finished. Since December 2007, Axis Merchant Solutions paid a new independent contractor a total of $17,500 to complete several projects for our company from Dec 2007 through March 2008.

When JW found out that our company was using another independent contractor to start over and finish what he did not complete, he started sending us emails containing profanity and threats demanding money. He demanded that we pay him up to $4,000 for work we never have seen or for work he did not complete. One of the websites he was trying to demand payment for was our career opportunity website, in which it was unprofessional, incomplete, only had 1 page, and only takes a web designer 20 minutes to produce. Regarding our corporate website, he NEVER showed us a proof or any work that he completed, but was demanding that we pay him up to $4,000 for a product we never receive. When we asked to see something so we could understand what kind of product and what value we were going to receive for $4,000, he refused to show us anything.

What was completely unbelievable was the day that our NEW independent contractor had informed us that Mr. JW was making completely false posts online and false statements regarding our new contractor, when he had nothing to do with the issues Axis Merchant Solutions had with Mr. JW. Our new independent contractor did not even know Mr. JW and never met him. Mr. JW took it upon himself to personally attack our new independent contractor to bring harm to him, his family, and his business as well in the most disgraceful and harmful manner.

THE REAL REASON WHY JW MADE THIS POST WITH SO MANY FALSE STATEMENTS TO AXIS MERCHANT SOLUTIONS AND OUR NEW INDEPENDENT CONTRACTOR IS A DESPERATE ATTEMPT TO THREATEN OUR COMPANY TO PAY $4,000 FOR SERVICES WE NEVER RECEIVED.

IN RESPONSE TO THE OTHER STATEMENTS BY JOSHUA JW:

JW states the following, The merchant who filed the complaint on Axis and its CEO Anthony Manzilla is telling the true. Anthony trains its sales rep to go out into the community and sale their products under false pretenses.

IN NO WAY DO WE ALLOW OUR SALES REPS TO MAKE ANY FALSE STATEMENTS REGARDING OUR PRODUCTS AND SERVICES. THERE IS ABSOLUTELY NO WAY THAT A SALES REP CAN HIDE ANY CHARGES OR FEES THE MERCHANT MUST PAY. WE HAVE PAPERWORK AND DOCUMENTATION THAT MUST BE PRESENTED TO THE MERCHANT, MUST BE READ AND SIGNED BY THE MERCHANT AT ALL TIMES. OUR COMPANY HAS SPENT TIME AND MONEY TO PRODUCE FORMS AND CONTRACTS SO THE MERCHANT CAN RECEIVE FULL DISCLOSURE, AND OUR COMPANY MUST RECEIVE ALL THIS ORIGINAL PAPERWORK AT OUR CORPORATE OFFICE BY OUR SALES REPS BEFORE WE PROCESS THE APPLICATION WITH THE BANK FOR APPROVAL AND SETUP.

THE FORMS, CONTRACTS, AND PAPERWORK AXIS USES INSURES THAT ALL OUR TERMS AND CONDITIONS ARE AVAILABLE AND JWS NOT HIDE ANY RATES AND FEES.

THIS PAPERWORK INCLUDES THE FOLLOWING:

= AXIS SALES INVOICE Clearly shows all charges and fees due upfront.

= MERCHANT PRE-QUALIFICATION FORM This forms is signed and agreed to by the merchant and states our terms, what equipment they are buying, and requires their initials at the monthly lease payment due each month.

= MERCHANT APPLICATION AND PROCESSING AGREEMENT This is the merchant contract the merchant must sign and agree to for processing their credit cards. All rates and fees are clearly revealed, as well as the cancellation policies.

= INSTALLER SETUP AND TRAINING FORM We require all our equipment installers to have the merchant sign and agree that our installer provided a list of 10 tasks to complete for the merchant before leaving their store, and for the 3rd time, reveals the equipment lease terms and pricing.

= NORTHERN LEASE FORM This is the equipment leasing agreement, which reveals all terms and agreement for leasing equipment. It is the merchants responsibility to read this contract and understand its terms. If they sign the lease, they are also acknowledging that they did read the contract and agree to its terms. If they sign it without reading the contract, then that is their decision to sign a contract without reading it. The merchant must also sign the lease acknowledging this statement which is in big bold, and capital letters, Lessee has read and agrees to all terms and conditions contained in this Equipment Finance Lease. THIS IS A NONCANCELABLE LEASE FOR THE FULL TERM INDICATED HEREIN.

IN NO WAY IS AXIS MERCHANT SOLUTIONS A SCAM OR A FRAUD. WE HAVE ALL THE PAPERWORK AND DOCUMENTATION TO BACK US UP AS A LEGITIMATE BUSINESS NEVER HIDING ANY INFORMATION OR HIDE MONTHLY FEES OR CHARGES. IF THE MERCHANT SIGNS A NON-CANCELLABLE LEASE FOR A TERM OF 48 MONTHS, AND READS THE CONTRACT, THERE IS NO FRAUD OR SCAM.

IN FACT, ALL THE PAPERWORK AND CONTRACTS WE USE, AND THE PRODUCTS AND SERVICES WE SELL, AND THE METHODS IN WHICH WE SELL, IS CONDUCTED IN THE SAME BUSINESS MANNER AS THOUSANDS OF BUSINESSES NATIONWIDE. THERE ARE HUNDREDS OF THOUSANDS OF MERCHANTS SIGNING THE SAME PAPERWORK AND CONTRACT TERMS NATIONWIDE EVERY MONTH AND YEAR.
WE HAVE THE SAME BUSINESS PRACTICES AS THOUSANDS OF BUSINESSES NATIONWIDE SELLING THE SAME PRODUCTS AND SERVICES.

IT IS TRUE THAT WE HAVE HAD MAJOR ISSUES WITH A FEW SALES REPS IN THE PAST. ONCE WE WERE MADE AWARE OF THE PROBLEMS, WE WENT OUT OF OUR WAY TO CORRECT THE PROBLEMS, AND EVEN TERMINATED THE SALES REPS FROM DOING BUSINESS WITH US. IN NO WAY ARE THEY OUR EMPLOYEES, THEY ARE ONLY INDEPENDENT CONTRACTORS REPRESENTING THEMSELVES, BUT UNDER OUR STRICT GUIDELINES AND RULES THEY MUST FOLLOW.

WE PROVIDE OUR OWN IN-HOUSE CUSTOMER SERVICE, EQUIPMENT SUPPORT, AND EVEN PAY OUT OF OUR POCKETS FOR OUR INSTALLERS TO VISIT MERCHANTS TO PROVIDE ADDITIONAL TRAINING AND SUPPORT WHEN NEEDED. WE HAVE EVEN GONE OUT OF OUR WAY TO FLY OUT TO VISIT THE MERCHANT AND ASSIST THEM. WE DO NOT TEACH OUR SALES REPS TO CONDUCT BUSINESS IN AN UNETHICAL MANNER, NOR DO WE TOLERATE IT, BECAUSE THE RESULTS OF ACCEPTING THIS TYPE OF BEHAVIOR ONLY MAKES THE PROBLEM 10 TIMES WORSE AND COSTS OUR COMPANY A SIGNIFICANT FINANCIAL COST IN OUR ATTEMPT TO REPAIR THE MISTAKE.

JW states the following, The sales rep say nothing about a lease and they say that only for a small fee a month you get so and so services. Anthony JWS NOT TELL YOU that its a 48 month contract with NORTHERN LEASING in addition you will also have to pay the different services you have.

THIS STATEMENT IS COMPLETELY FALSE. IN FACT, WHEN THE MERCHANT LEASES EQUIPMENT OFFERED BY ONE OF OUR SALES REPS, THE LEASE CONTRACT IS BETWEEN THE MERCHANT AND THE LEASE COMPANY, AND NOT WITH AXIS MERCHANT SOLUTIONS. THE MERCHANT MUST SIGN THE LEASE CONTRACT THAT DISCLOSES ALL TERMS AND FEES IN BOLD PRINT. OUR SALES REPS DO NOT EVEN HAVE TO SAY ANYTHING, THE LEASE CONTRACT SPEAKS FOR ITSELF AND THERE IS ABSOLUTELY NO WAY THAT A LEASE CAN BE ACCEPTED, APPROVED, AND BECOME LEGAL UNLESS A STRICT VERIFICATION PROCESS IS COMPLETED, AND AFTER THE EQUIPMENT IS RECEIVED, INSTALLED, AND WORKING. SO THERE IS NEVER A SCAM OR FRAUD TAKING PLACE IN ANY WAY.

JW states the following, For example if you want credit/debit you pay EVO a monthly fee, if you want bill payment you pay IPP a monthly fee too!, if you want the check service you pay RED CHECK, Global Check a monthly fee too!!! In addition DO NOT forget you also pay the lease with Northern leasing.

THIS STATEMENT JWS NOT INCLUDE ALL THE FACTS AT ALL. WHEN A MERCHANT DECIDES TO DO BUSINESS WITH US, THEY RECEIVE ALL THE FORMS AND CONTRACTS THAT INCLUDE THE TERMS AND CONDITIONS AND FULL DISCLOSURE OF PRICING.

OUR CANCELL ATION POLICIES, AS WITH ANY OTHER COMPANY, ARE AS FOLLOWS:

= Equipment Lease Non-cancelable and can never be terminated, for whatever reason.

= Merchant Account for Credit Card Processing 30-day cancellation notice with a small cancellation fee. If the cancellation fee seems unreasonable to you or like a scam, then you need to understand all companies do this, even the cell phone companies. If you have a cell phone with T-Mobile, and you have a family plan with 4 phones for your children, you are subject to a $250 cancellation fee PER PHONE, subject to a 36 month contract, and every time you make changes to your plan with T-Mobile, they automatically renew your 36-month contract to start again on that day. But your equipment lease can NEVER be cancelled.

= Other services like bill payment, check services - You do have to sign a contract with them, but you can also cancel these services at any time.

JW states the following, Axis iS NOT tell you about the 30 days you have to cancel you services because they do not want you to.

THIS IS NOT TRUE, AND WE DO NOT HAVE A NEED TO REVEAL ANY OF THIS INFORMATION BECAUSE IT IS CLEARLY WRITTEN IN THE CONTRACT AGREEMENTS. WHEN THE MERCHANT SIGNS ALL THE CONTRACTS, THEY CAN MAKE A COPY OF ALL THE PAPERWORK. IT IS THEIR RESPONSIBILITY AS RESPONSIBLE BUSINESS PEOPLE TO READ AND UNDERSTAND BEFORE THEY SIGN A CONTRACT. IF THEY NEED AN EXTRA COPY, THEY CAN CALL AXIS AND HAVE A COPY FAXED TO THEM.

JW states the following, If they think you are planning to cancel your services they summit your application THAT THEY FORGE in some occasions to get process where it will be too late for you to cancel. The merchants NEVER SEE their contracts until the 30 days is up, or the merchants call to ask for it. I thought it was the LAW for the merchants to receive a copy of their contracts.

THERE IS ABSOLUTELY NO PROOF THAT THIS HAS EVER HAPPENED, AND IT NEVER JWS HAPPEN. THE MERCHANTS DO SEE THEIR CONTRACTS. THEY ARE PRESENTED WITH ALL CONTRACTS AT THE TIME OF THE SALE, WHEN THEY MUST READ THE CONTRACT AND THEN SIGN ALL THE PAPERWORK. WE HAVE NOTHING TO HIDE.

JW states the following, Axis from what i've heard have gotten in trouble for not giving the merchants a copy of their contracts.

THERE IS ABSOLUTELY NO PROOF TO BACK UP THIS STATEMENT AS WE HAVE NEVER HAD ANY PROBLEMS. AS A MATTER OF FACT, OUR CONTRACT TERMS AND CONDITIONS ARE POSTED ON OUR CORPORATE WEBSITE FOR EQUIPMENT LEASING AND THE MERCHANT PROCESSING AGREEMENT SO OUR MERCHANTS CAN DOWNLOAD THEM AT ANYTIME. WE HAVE NOTHING TO HIDE.

JW states the following, Jennifer Manzilla the wife of Anthony Manzilla has inform the company employees not to give out the contracts unless the merchants call because she was receiving a lot of cancellations.

THERE IS ABSOLUTELY NO PROOF TO BACK UP THIS STATEMENT AS IT IS COMPLETELY FALSE.

JW states the following, Oh by the way Josh Williams was an employee of Anthony Manzilla who Joshua Williams is not work for Axis anymore since Anthony probably did not pay him what he asked for.

THIS STATEMENT IS THE MOST UNPROFESSIONAL AND IMMATURE STATEMENT I HAVE EVER SEEN IN MY 20 YEARS DOING BUSINESS. THE TRUTH IS, JW IS THE PERSON MAKING THIS POST, AND HAS FRAUDULENTLY CREATED A FAKE IDENTITY ON THIS WEBSITE IN HIS ATTEMPT TO SLANDER OUR COMPANY.

JW states the following, The comment of how a previous merchant gain 18,000 in revenue IS A LIE where is the PROOF!!

THE MERCHANT THAT STATED HE IS MAKING 18,493.00 IN REVENUES STATED CLEARLY THAT IT WAS YEARLY REVENUES. THAT WAS TOTALING A LITTLE MORE THAN $1,500 IN ADDITIONAL REVENUES PER MONTH SELLING PREPAID PHONES, SELLING PREPAID LONG DISTANCE WITH SOME 166 WIRELESS CARRIERS, PREPAID VISA AND MASTERCARD CARDS, AND OFFERING BILL PAYMENT SERVICES, PAYROLL CHECK CASHING, GIFT CARDS, ID CARDS, AND MORE. WE ACTUALLY HAVE MERCHANTS MAKING UP TO $3,000 PER MONTH IN PROFITS PER MONTH. IF YOU WANT PROOF, PLEASE CALL OUR OFFICE OR COME VISIT US AND WE WILL BE HAPPY TO ASSIST YOU. HOWEVER, WE WILL NOT SPEAK TO AN INDIVIDUAL WHO REFUSES TO REVEAL THEIR TRUE IDENTITY.

OUR CONCLUSION:

This is our honest and sincere response to the claims posted on this website by Mr. JW. Almost all the information that he put in this report is inaccurate, untrue, and not in any way represent all the facts in our dealings with Mr. JW.

Mr. JW wrote the REBUTTAL letter on this website deliberately leaving out all of the facts regarding our issues we have with our merchants, in which JW is not even involve him. Instead, his rebuttal letter was another desperate retaliatory attempt to smear our company name in the most disgraceful and harmful manner to cause harm on other people, their families, and their business because he feels we owe him money for something we never received.

We proudly serve thousands of merchants nationwide, and every company is going to have a small percentage of customers where it JW is not matter what we do, or how much effort we put into going out of our way, a few customers will just not care to do the right thing and basically want to cancel when they are 100% aware of the contract agreement and contractual obligations they engaged in. This is a true example of what is happening to our company right now and only involves a few of our merchants.

We never deny or try to hide our mistakes, because we are only human. Our mission is to make sure our merchants are completely happy and satisfied with our products and services. If we do something wrong, we make sure we spend twice the effort to correct our mistakes.

If you have any questions regarding our company, please call us at anytime at 800-799-2947.
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#13 UPDATE EX-employee responds

BEWARE!!!!AXIS MERCHANT GROUP IS A SCAM AND FRAUD THEY DON'T CARE IF YOU GO BANKRUPT GET OUT OF THE CONTRACT BEFORE 30 DAYS!!!!!

AUTHOR: Jenanthony - (U.S.A.)

The merchant who filed the complaint on Axis and its CEO Anthony Manzilla is telling the true. Anthony trains its sales rep to go out into the community and sale their products under false pretenses. The sales rep say nothing about a lease and they say that only for a small fee a month you get so and so services. Anthony DOES NOT TELL YOU that its a 48 month contract with NORTHERN LEASING in addition you will also have to pay the different services you have. For example if you want credit/debit you pay EVO a monthly fee, if you want bill payment you pay IPP a monthly fee too!, if you want the check service you pay RED CHECK, Global Check a monthly fee too!!! inaddition DO NOT forget you also pay the lease with Norther leasing. Axis DOES NOT tell you about the 30 days you have to cancel you services because they do not want you to. If they think you are planning to cancel your services they summit your application THAT THEY FORGE in some occasions to get process where it will be too late for you to cancel. The merchants NEVER SEE their cosntracts until the 30 days is up, or the merchants call to ask for it. I thought it was the LAW for the merchants to receive a copy of their contracts. Axis from what i've heard have gotten in trouble for not giving the merchants a copy of their contracts. Jennifer Manzilla the wife of Anthony Manzilla has inform the company employees not to give out the contracts unless the merchants call because she was receiving a lot of cancellations. Oh by the way Josh Williams was an employee of Anthony Manzilla who does not work for Axis anymore since Anthony probably did not pay him what he asked for. The comment of how a previous merchant gain 18,000 in revenue IS A LIE where is the PROOF!!!!! why was it that when merchants wanted references to see if other customers were satisfied with Axis Anthony had NO-ONE to give out as a reference besides his sales rep posing as merchants. If you have become a victim of Axis Merchant group contact BETTER BUSINESS BUREAU immidiately!!! You will be surprise how many letters Axis has to respond to from them. Merchants YOUR NOT ALONE STAN TOGETHER AND FIGHT YOU RIGHTS THAT AXIS TAKES FOR GRANTED.

http://www.us.bbb.org OR YOU CAN CALL 866-411-2221

OR CONTACT: NCL'S FRAUD CENTER c/o National Consumers League 1701 K. Street NW SUITE 1200 WASHINTON, DC 20006

OR CALL: ACLU FOR FREE LEGAL ADVICE 415-621-2488

OR CALL: MALDEF 916-443-7531 and ask for Francisco Estrada Director of Public Policy.

DO NOT BE A VICTIM!!! YOU CAN MAKE THIS STOP FROM IT HAPPENING TO SOMEONE ELSE
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#14 Author of original report

Responding to H. Moreno

AUTHOR: Nakaj - (U.S.A.)

Well, as you may very well know I have spoken to Guillermo Rodriguez (customer service rep) after being bounced around from one person to the next and not getting returned phone calls. And according to him, and the complaint I put on the Better Business Bureau, your company was very well aware of the fraudulent dealings Segundo Sequencia was doing because I know for fact that I am not the only one that has had this same problem with your company and you guys took action way too late!

After your company received so many complaints and problems with different businesses, you guys decided to start a customer based training to make sure everything was understood.

I now know how your company works along with Northern leasing but as you may already know I NEVER agreed to a 4 year lease. Can you imagine how absurd that sounds? 4 year lease?

And for the record I DID NOT CHANGE MY MIND, I was offered one thing and then your company did the old "bait-and-switch" on me. I agreed to a temporary lease NOT a 4 year lease.

At the beginning Anthony Manzilla was very accessible but after he figured he did not want to solve the problem because it would cost him a few hundred dollars he is not available even if his life depended on it.

I call your office and ask if he is there, and they tell me to hold on. Then they come back and ask me who I am and after I tell them who I am or that I need to speak to him about my problem you guys ALWAYS tell me he is not in the office or that he is in a conference call. I leave messages and no returned call, I try Guillermo and no returned calls either. Your company is hoping that I will just go away.
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#15 UPDATE Employee

Response to Nakaj

AUTHOR: Joshua Williams - (U.S.A.)

Dear Nakaj,

I am sorry to hear about your troubles with our company, we do not take pride in hearing complaints from time to time, however things do happen. Axis is comprised of highly trained service managers and customer service staff, we would never try to mislead our merchants. Our success depends upon our merchants success. If you don't make money with our service then we don't make money either. We are willing to come down and train you on how to use our service or market yourself better if that is what you want. We are starting a consumer based campaign in all of our merchants area which will drive customers to our website to find locations for bill payment, check cashing and other services. This will increase our merchants revenue dramatically.

As far as the lease goes. We work with independent financial companies for financing and leasing. Once the lease is passed and approved it is out of our hands. We have no authority over that. Axis Refunded you for the first couple of months to try to resolve the issue and make things a little better. We cannot tell our leasing company that the personal guaranty signer changed his mind and wants out. its a legal document and cannot be annulled, however we are very concerned about the fact that you feel mislead, For the term of your lease if at anytime your machine breaks or malfunctions we will replace it free of charge and extend our standard 1 year warranty for your situation NO QUESTIONS ASKED. Also give us a call and we can possibly re-negotiate compensation for our services.

I am also sorry if you think that we ignored your phone call we try our best to answer every call as soon as possible to the best of our ability. If there is anything we can do to turn this situation around please let us know and we will do anything within our power to accommodate you as a merchant.

Sincerely,


H Moreno
Customer Service Management
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#16 Author of original report

Answering ?

AUTHOR: Nakaj - (U.S.A.)

The previous consumer who thought and said that "the stories do not add up"

I am not saying that Axis Merchant group does not work in any way shape or form and the same goes for Northern leasing. What I said was that a sales rep from Axis Merchant group misrepresented the lease contract, promised things that Northern leasing does not offer and simply commited contractula fraud by filling out my lease for an term I did not agreed to.

You are right in stating that I should have been very careful in reading the whole contract but the sales rep was very sneaky about the terms of the lease. I even presented these docs to an attorney and he had a hard time understanding the lease. As far as Anthony Manzilla, he understood what fraudulent procedures his sales rep was using and that is the reason why he fired that sales rep and refunded my lease for the first few months. So shows to prove that Anthony knows what went wrong and tried to fix it but since he has to cough up more money he does not want to do that anymore.

As far as the service, it is not that I am not using it right; WE WERE NEVER TRAINED HOW TO USE the machines. You may have succeeded at using the system but without training and with out the support you would have had a very hard time using them.
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#17 Consumer Comment

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AUTHOR: Lorenzo Lopez - (U.S.A.)

Hello my name is Lorenzo Lopez and I am the owner of Los Palos Verdes gift shop, I find it surprisingly odd your experience with Axis. I have been with them for 2 years now and increased my revenue by 18,493.00 last year alone. I pay a lease every month for my equipment and can say by far I have exceeded my expectations. Whenever I call i get directly through to customer service and any problems I have ever had, have been taken care of 110%.

I have never met another business owner who did not know what they were signing, a 2 year lease is not bad considering that other companies similar usually use 48-72 month leases. Also how did you not know how long it was for? and if you never signed the lease how did you think you were going to get the equipment to use the services? sounds like to me, that the stories don't add up.

I find it impressive that the CEO Anthony Manzilla would take time out and come down and personally talk with you. Also the fact that they refunded some of your money. My jaw would be on the floor if that happened to me. If the service isnt working right for you, then maybe your not using it right. Anyways I thought i would stick up for the company because without them last year would have been a slow year.

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