Payment Systems Corp and Lease Finance Group Their customer service is a big joke and no way I can communicate with Los Angeles California
To whom it may concern,
My name is Duy Nguyen. I am the owner of a nail-salon. On Jan 22th, 2014 a sales rep. of Payment Systems Corp. came to my business at Creation Nails & Spa in Bermuda Dunes, California by the name of Dana Bednar. I don't have appointment with her. She just showed up and said that she has an appointment with the owner but she can't tell the name of the owner. She told me that gave her 20 minutes so I can save a lot of money from my current credit card processing company if I switch to Payment Systems. She asked for my current statement and said she could save me over $120.00 a month and my current company was ripping me off. She said that I would only pay a $99.00 program fee monthly and 1% for credit and 0% on debit. There are no hidden costs and she even called her manager named Joe for promotion code so I could get this special deal. She wrote this offer in a paper of a rate comparison and that Payment system is a wholesaler so they can offer lower rate than others. [continued below]....
..... I said that I have my own terminal and I don’t want to lease any terminal. She said that I would need to use their swiping terminal and the pin pad in order to have these special rates and the reason I would need to sign the contract with Payment Systems Corp. was that the special rates would never change. She said that if I don't like it or I cannot save money, I can cancel the contract anytime. She did it professionally. She even called her boss name Joe to let him explain to me that I can cancel anytime if I don't like their service. She said that I would need to sign right now because she lives in Los Angeles. I was manipulated into signing the contract. After that, I got a package from Payment Systems. I opened and read them. Now I realized that I ended up signing the contract with Payment Systems and Americop Leasing. I NEVER ever agreed to lease the terminal for $99.00 each month for 4 years. I only pay $6.00 each month for leasing the terminal with current company. Why would I have to pay $99.00 for the same terminal? I have no idea about this contract. This is fraudulence by Dana Bednar. A couple’s day later, I would receive a letter from Lease Finance Group LLC to remind that the terminal lease with Lease Finance Group is Non-Cancellable. I separately got 2 bills from my account from Payment System and Lease Finance Group. At the end of the month, Payment Systems withdrew $269.88 and Lease Finance withdrew $115.00 each month. With my previous company, I usually pay from $150 to $200. Instead of saving money, I end up paying a lot more money. I called them and tried to explain but I realized that the only thing they say is that you signed the contract. Payment Systems Corporation has trained their sales agents to lie to small business owners. Moreover, Payment Systems never lets me talk to Dana Bednar and Joe. They said they are not responsible for what the sales agent said. They trained them to scam people and now they said they don’t know about them and don’t want to solve this matter. Then I ask for the cancellation fees. They told me to send them an email for cancelling contract; they cannot tell me on the phone. I did that 3 times but they don't reply anything. Now they called me to threaten not to cancel, but I mention that I would record the conversation, they hang up the phone right away. I asked them to reply my email for cancellation fees but they did not agree to do that. Then, I called Lease Finance Group to explain my situation that Payment Systems did to me and that I would like to report a fraud about Payment Systems. They threatened me right away that this is Non-cancellable and they don’t know about Payment Systems. And if I would like to cancel the lease, I need to pay more than $5500.00. They are both unethical companies. There is no way I can communicate with them. Now I know that they are trained the same way to rip off the small business owners everywhere. I already closed my account so I could not withdraw my money anymore. Although I have read many complaints, I still don’t know what to do in order to complain and cancel the lease. What steps should I do? Who should I contact to? I tried to call them for cancellation, but useless. Please help! Hopefully these companies will be investigated soon. I would like to contact to the local media for help so anyone who lives in Palm Springs area can contact me (((redacted))) for more information. Thank you!