I am the owner of two small retail shops in Charlotte, NC and operate them out of one single location. I was approached by a salesperson from Payment Systems Corp offering reduced rates over what I am currently paying and included gateways and equipment in the offer, none of which they were successful in making operational. After allowing them several days to trouble-shoot, we were not confident with their services due to their lack of knowledge and performance and decided we did not want to do business with them. There was a clause in the contract that allowed for a rescission period, which we opted to do within the legal time frame. My story seems to be very similar to the other people who complained about this company. However, we did exercise our "Right To Rescind" within the time frame outlined in the contract and informed Payment Systems Corp that due to their inability to perform in that time frame, as they promised, we wanted to terminate while in that allotted time period. This resulted in extremely aggressive behavior towards us and failure to acknowledge that they did not deliver what they said they would deliver, in the time frame they promised the equipment and services would be operational, so therefore, we had a right to terminate. They have continued to harass us by yelling and threatening us over the phone. They continue to invoice us for monthly charges, and even sent a merchant credit card imprint machine plate a "month" after we terminated and claim they "activated" our account according to the contract. We are now being billed monthly for much more than they originally had outlined. We have never used their services. A few days after we terminated, they processed an automatic draft out of my account, so I closed it to prevent further unauthorized drafts. They are now contacting us through an attorney demanding full payment as a breach of "contract" which we legally rescinded from, and are threatening to sue us if we don't pay in ten days. I have contacted the BBB in Carlsbad, CA, in Dallas or Houston, TX, and in Los Angeles, CA to try to cover all of their locations, since they also seem to be playing a "shell game". I have found multiple addresses in Carlsbad, one on Priestly Drive, one a P.O. Box, and the other on Palomar Airport Road, which coincidentally is the same address as the lawyer threatening to sue me on their behalf. The name of the law firm is Global Legal Resources. The Dallas or Houston, TX BBB has many complaints against this company. Our local BBB claims since Payment Systems Corp does not have a local office, they can't help us, although the sales rep that originally contacted us said he is based out of Charlotte and works out of his home in this area. Oddly, when I tried to track down this salesperson, his business card had the address from out of state and the corporate phone number, yet the people I spoke with said they could not put me in touch with my salesman, don't even know who he is, and insist I deal with them instead. This is truly a scam. We are small business owners and feel vulnerable to their harassment and fraudulent actions with no protection. I would like them stopped from doing this to others. It is predatory. We were in every legal right to terminate before the rescind date, as is clearly stated in the document that we signed. I sent all correspondence by certified mail within the legal time frame and have everything completely documented. Since I am a sole proprietor, they are also harassing me by sending a letter to my home, claiming I will be personally liable as well. Please advise what other course of action I may take. I will continue trying to work with the BBB, but so far, they have not managed to help at all. As part of their harassment process, Payment Systems Corp said that I would also be sued by the equipment leasing company, Global Leasing, and I would be held accountable for approximately $8,000 in fees and balance due on the lease. Coincidentally, the law firm that is contacting me through this "10 day demand letter" is called Global Legal Resources, but the letter only mentions representing Payment Systems Corp and there is no mention of Global Leasing. We have not received any communications from Global Leasing Company once the equipment was returned to them and a copy of our "Right to Rescind" letter was included in the shipment. Another coincidence is that the law firm Global Legal Resources shares the same address as one of the addresses I found for Payment Systems Corp at 2100 Palomar Airport Road, Suite 206, Carlsbad, CA, 92011. I suspect all of the entities are part of the scam.
Originally we were threatened with $8,000 in cancellation charges. The letter I received today claims that we would owe $1,760.00 for early termination, however, they would be willing to settle" this for $995.00 as a matter of good faith. Returning the equipment at our own cost to Global Leasing via UPS Next Day Air, having paid for witnessed and notarized letters sent via UPS Next Day Air to all parties at all locations in all states, and already having a monthly fee drafted out of our bank account for services we have never used, as well as this entire process being disruptive to our flow of business, we feel we have spent more than enough already. They just dont get it, we dont want to do business with them and we acted within our legal right to terminate within the legal rescission period. We legally owe them nothing. If anything, Payment Systems Corp owes us a reimbursement for the illegal draft for services never rendered and should compensate us for all of the costs we incurred in trying to terminate this agreement and having to put up with all of their harassment. But, I would be in good faith willing to call it even if they would just stop harassing me.