• Report: #619376
Complaint Review:

Merchant Cash and Capitol

  • Submitted: Fri, July 02, 2010
  • Updated: Wed, July 07, 2010

  • Reported By: KImberly — solana Beach California United States of America
Merchant Cash and Capitol
450 Park Avenue South 11th Floor Internet United States of America

Merchant Cash and Capitol Rory Crawford, DANGER!!! DO NOT DO BUSINESS WITH MERCHANT CASH AND CAPITOL, Internet

*Author of original report: Merchant Cash and Capitol SCAM, Con Artists, Rory Crawford

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DO Not Do Business with Merchant Cash & Capital

DO NOT DO BUSINESS with Merchant Cash and Capitol

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Company information:
Merchant Cash and Capital
450 Park Avenue South 11th Floor NY,NY 10016
New York, New York
United States


Our agreement was that I would pay back a $1300 loan by, 20% retention of all Credit card transactions until $1800 was paid and the loan was satisfied.
Merchant Cash and Capitol was to send me a credit card machine to process my credit card transactions through so, i could pay them back. they sent me a machine that could not be figured out how to process transactions through. Not even their technical support could help me.

They told me they would send me another machine when they received the old one back. They never sent the machine, they hired an attorney and put a lien on my account.

I am more than happy to pay them back but, they have not even given me a chance. Our agreement was they would receive @)% of all my Credit Card transactions but, I can't do that until they send me a terminal so, I can start processing cards. It's a simple solution. Send me a Machine?! 

It is a Credit card Processing Company and they give loans for future Credit card transactions but, they fail to make that possible. They do not stand behind their word. They told me a credit card machine would be overnighted to me. (I'm sure they have more than they can count sitting in the back room?!

I call to request they send the machine they promised to send & Instead I was called a F*CKING RETARD by RORY CRAWFORD and he hung up on me & started a LAWSUIT & he's including his attorney fees in the balance I owe which I was never given the chance to pay back. That is all I am asking, to be ABLE to pay them back. They want to sue me rather than send a simple credit card terminal so I can pay them back?!

I don't understand this? It takes so much energy and Contention?!
It takes 5 minutes to be true to your word and call the shipping guys to drop a label on a  pound box?! 

Fine Rory~

Obviously you have no intentions of doing the honorable thing and being true to your word that you were sending me a new terminal so, I could fulfill my end of the bargain of processing Credit Cards through your terminal. I am more than happy to process Credit Cards and repay you as our agreement was decided. You simply need to send me a Credit card terminal that works. I am sure you have plenty on hand, it would take all of 5 minutes to put a shipping label and send it to me so, I can start processing cards through it.

Simple and easy. It takes a lot more sense and less energy than screaming at me and calling me a"F*cking Retard" and hanging up on me. You Not very professional Rory. Hiring an attorney is unnecassary as you have not given me the ability to pay you back through 20% retention of all my Credit Cards processed through you. It simply takes a working Credit card terminal to fulfill the repayment of this loan.

That is all I am asking, please send me the terminal you said you were sending out to me upon return of the obsolete one you sent me. It took technical support several times to Batch out the report & we could not figure out how to process a transaction on it.

Just simply put a Machine on the truck as you said you would so, I can repay you as we originally agreed, which I am more than happy to do.
This can be resolved with out the "F" word and calling me RETARD.

Once, again I am waiting for a Credit Card Terminal so, we can complete our agreement but, I can not start to pay you back without a terminal to process Credit Cards on through your company.


From: Rory Crawford 
Date: Thursday, July 1, 2010, 10:20 AM

Kimberly A working credit card terminal was sent to you. It was confirmed to work before being sent to you and again after it was returned by you. The terminal clearly worked while in your possession as MCC requires that a few transactions be processed before funding. Processing by you through the terminal that was sent to you was confirmed before funding. At no time before being funded did you mention in writing to anyone at MCC including myself that the terminal was not working.

When you were asked why no credit card transactions were being run after having received the funding you explained that the reason was because the terminal was archaic. MCC has attempted to provide you with a terminal at no cost to you for the purpose of repaying the advance. You have refused to use said terminal. It being archaic is a subjective term and in no way an acceptable reason to not use a machine especially after having demonstrated an ability to use the machine to receive the funding.

As part of the advance you agreed to solely use the credit card processing services of EVO Merchant Service. Your continued use of Global Payments constitutes breach under the merchant agreement. As a result MCC has elected to enforce its right per the merchant agreement to place any and all processing accounts on hold. This account and any other account you are found to be using will remain on hold until such time as the cash advance has been repaid in full.

At this point there are two options that are acceptable to MCC. Firstly, you can purchase a terminal that is compatible with EVO Merchant Services and resume processing with EVO in order to repay the advance. The funds on hold with Global will remain on hold until such time as the account is paid off or you elect to direct Global to release 100% of the funds being held to MCC to be put towards repaying the advance. Secondly you can payoff the account in full.

Your current cash advance balance is $1, 885. As a result of your stop payments to the seven (7) ACHs MCC debited from your account as part of the remedies made available to MCC in the event of your breach, an additional $245 is owed ($35 per reject x 7 = $245.) Lastly, reasonable attorneys fees of $471.25 have been added to your account as a result of MCC needing to engage an attorney in order to place your processing account on hold as a result of your breach of the merchant agreement. If you wish to payoff, the amount that MCC will accept in order to consider the account paid in full, release the UCC1 lien against the business, release the hold with Global, and discontinue the legal action against you is $2, 601.25

Please let me know how you plan to resolve this issue.



Rory Crawford

This report was posted on Ripoff Report on 07/02/2010 12:01 AM and is a permanent record located here: http://www.ripoffreport.com/reports/merchant-cash-and-capitol/internet/merchant-cash-and-capitol-rory-crawford-danger-do-not-do-business-with-merchant-cash-a-619376. 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.

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#1 Author of original report

Merchant Cash and Capitol SCAM, Con Artists, Rory Crawford

AUTHOR: KImberly Alkema - (United States of America)

I took a $1300 Merchant advance. Merchant Cash and Capitol loaned me $1300 with the agreement that I would pay 20% of all credit card transactions until $1800 was repaid.

I was supposed to do a transaction and batch it out before they funded my account.

They sent me a credit card machine that was so obsolete and the instructions to use the machine manually did not correspond with the machine they sent. I tried to process a transaction

It came with a $2. transaction in the terminal so,  I called Technical support to help me batch out the terminal so, it would show that I was processing cards. It took the technician several attempts with several sequences to finally find something that would batch out the machine.

I mad several attempts to process a transaction through the terminal but, was never able to get it to work.

I called the company and they told me to send in the old terminal and that they would send me a new one.

I never heard from them again. I tried calling and sent emails to the original salesperson who initiated the agreement, Andre Nere of Innovative Lease in Carlsbad, CA.  He basically took the commission he made from setting up the deal and SPLIT. He was no help once he received his commission. I made several attempts to resolve this issue with no response.

Merchant Cash and Capitol is running a SCAM, this is FRAUD.

A $1300 loan is instantly doubled, with bank fees and attorney fees. They are now saying I owe them $2600 before they will release a lien on my account, it freezed all my income from credit cards, all my monies earned are being released to Merchant Cash and Capitol and they are now saying I have to pay they $2600 back for a $1300 loan, which they never held up there part of the agreeement, to let me pay them back over time per our agreement.

When I requested they send me a terminal so, I could process cards per our agreement, Rory Crawford was ready and fired back, "Really? Where in the contract does it say I will provide you with a terminal?"

This is a total scam, they have a built in Attorney to handle these transactions and they double their money. 

Merchant Cash and Capitol caused my current credit card processing Company to close my account. I can no longer process cards until I pay they Ransom of $2600.

No notice, no letters, no phone calls... just pay $2600.

I am afraid to try to call them or, send an email? Apparently, everytime I do, I get charged attorney fees.

Do not do business with Merchant Cash and Capitol, Rory Crawford Ny, NY.

Or, Andrew Nere of Innovative Lease in Carlsbad, CA.

It's a total scam, fraud and unethical.

You are welcome to contact me if you have any issues with this Company. I am happy to join you in a class action lawsuit.


(((ROR redacted)))

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