I worked for this company for...far to long! They call merchants and lie to them, stating;
1. WE are your current processor
2. We audit your processor for Visa
3. We are Visa.
They then go on and tell the merchant that their current rates and fees are WAY to high and we can lower those costs. Of course we never told the merchant that we charge higher fees, or hide such fees as PCI ( industry fee) . If there are signatures missing, then an employee at the company would forge the name or initials where needed. They also sold credit card machines for hundreds or thousands of dollars higher than is fair. The application fee is fictious. That goes to the salesperson who signs them up. Finally, they have a HUGE termination fee for merchants that get wise to them and want to leave.
Now lets look at the employees.
All sales people are REQUIRED to sign a document stating that if they leave the company or are fired, they forfiet their final paycheck. If you do not sign the paper, you are not employed there. Further, "Roman" a brother to Gary Garmash sleeps with a female employee and that employee has most of her deals done by the brother,"Roman". If you question this practice, as a few employees (both male and female) have done, you are fired. Gary even called a meeting on the sales floor to talk about the "elephant in the room". Told the people get over it or leave in effect.
The telemarketers who call the merchants will get on their own cell phones and call the current processor and pose as the merchant to request their stament. They do this because they are only paid when a statment is faxed in. These tele marketers are usually hung over or on drugs.
The principle owners of this company are WELL aware of everything I have stated here, but they do not care to do anything about it. My hope is that someone will reign in these scumy people and put them out of business.
STAY AWAY FROM THIS COMPANY!! Please contact your attorney or the State Attorney General for Texas and report them. Check your documents and ask for a fax copy of your papers from them...I bet you wil see your name where you never signed it.