DO NOT DO BUSINESS WITH NATIONAL BUREAU OF MERCHANT SERVICES / IRN PAYMENT SYSTEMS OR MICHAEL SUZANNE AND FRANK SALMAN
We started using National Bureau of Merchant Services 3003 W Northern Ave Phoenix,
AZ 85051 / IRN 800 Shames Drive Westbury, NY 11590 1-800-366-1388Internal Resource
Network to process our carpet cleaning customers credit card charges on August 29, 2008 signing a 48 month rate guarantee which would expire 8/29/2012. When signing Steve Marcus told us if we did not fulfill the 48 month agreement the max exit fee was $300. Our sales rep Michael Salman was not able to provide us with a cost effective way to swipe credit cards at a customers home. We only had a terminal at our office. Another company called that was able to offer a better rate and a cost effective way to swipe customer credit cards at customers home using Roam Pay.
On 10/25/11 We spoke to Robert Thomas @ National Bureau of Merchant Services 1-877-441-4599 and asked if I changed vendors if it was a problem and was told that my 48 month rate guarantee expired on 8/29/12 but I could just pay the minimum account billing fee of $15 until the end of the 48 month rate guarantee (as stated in my contract). Upon request I faxed a letter to Robert Thomas & Garrett Fulton requesting the cancellation of our merchant account upon the expiration of our contract. As far as I knew I was ok with the agreements made. In February we stopped processing with National Bureau of Merchant Services / IRN and used our new vendor. On March 12, 2012 an unauthorized withdraw of $1,000 was made from our bank account by IRN. We had received no phone call or letter from National Bureau of Merchant Services/IRN informing us of this. We called Ray who is the manager of the cancellation department at IRN and was told our sales office National Bureau of Merchant Services had instructed him to close our account. This was done even though as mentioned above we requested it to be closed at the end of our 48 month agreement. We called and spoke with Frank Falman (CEO), Michael Salman (Director), Joseph Torres (Director) and Garrett Fulton from National Bureau of Merchant Services. I had to call several times and leave messages rarely receiving a return call. I asked them to show me where the $1000 cancellation fee is in the contract. It does not exist! In addition upon examining section 13 Term and Termination of the contract It begins by saying This agreement shall remain in full force and effect for an initial term of one year. So the 48 month agreement was only for the processing rate guarantee.
After having a very unprofessional conversation with Joesph Torres he said he would credit the $1000 back to us if we started processing with them again for at least another year. Why would I want to do business with a company like this that thinks they can withdraw any amount of money they wish from your account at any time without notice and does not follow through on agreements made by their staff. (Agreed to let us pay minimum account billing of $15 a month)
The unauthorized $1000 withdrawn from our bank account needs returned. It was deserved because 1-we requested our account to be closed at the end of the contract, National Bureau of Merchant Services closed our account. 2-I called and confirmed with National Bureau of Merchant Services that it would be ok to change processors and pay the minimum account billing amount through the end of our contract to which they agreed. 3-Even if a cancellation fee was valid we were told it would be $300 when we signed up, but instead $1000 was withdrawn which is not in the signed contract. All documents and signed contracts can be provided.
You can see other cases of unethical and illegal activity of National Bureau of Merchant Services and Michael, Suzanne and Frank Salman by following the link below. Where possible this information has been reported/filed including the websites below. If the $1000 fee is returned and this issue is resolved I will post a follow up comment stating what was done to resolve the situation.
http://www.bbb.org/new-york-city/business-reviews/credit-card-processing-service/irn-payment-systems-in-westbury-ny-19540 http://www.ripoffreport.com/Search/irn.aspx http://www.ripoffreport.com/Search/National%20Bureau%20of%20Merchant%20Services.aspx http://merchantservicebureau.org/nbms.html
http://ratemycreditcardprocessor.com/articles/122-national-bureau-of-merchant-services email@example.com http://www.cardpaymentoptions.com/credit-card-processors/irn-payment-systems/
/ http://www.azcentral.com/business/call12foraction/articles/20120829indictment-continues-legal-woes-pastor.html http://www.abc15.com/dpp/news/region_phoenix_metro/central_phoenix/salman-family-receives-118000-in-health-benefits-after-misrepresenting-household-incomes