Report: #444242

Complaint Review: WAMU, TRANSFIRST Agent Andrew Taweel, NorthernLeasing Systems Inc.

  • Submitted: Thu, April 16, 2009
  • Updated: Thu, November 05, 2009
  • Reported By: Yonkers New York
  • WAMU, TRANSFIRST Agent Andrew Taweel, NorthernLeasing Systems Inc.
    47 South Broadway
    Yonkers, New York
  • Phone: 914-423-3423
  • Web:
  • Category: Banks

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Last summer WAMU advertised their Merchant Services to me and put me in touch with an agent of TransFirst their preferred Merchant Services provider. This agent coerced me to sign an agreement by saying that it takes along time to process the merchant account application. When the agent realized that I would not go through with this service he put this whole thing in motion. TransFirst and Northern Leasing Inc debited my account for services I did not use and equipment I did not have. WAMU deniend my request to stop these actions and allowed them to continue for months and saddled me with overdraft and non-sufficient funds charges. When I realized that is was a ripoff I filed a case in small claims court.

When I recently heard that I was not the only one I also took this matter to the Attorney General.I also reported them with the NYS Attorney General. WAMU registered me with ChexSystems for non-sufficient funds trying to ruin my credit while I don't owe them a dime. It is a disgrace that these companies want to get rich off people who play by the rules and work hard for their money.

Yonkers, New York
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This report was posted on Ripoff Report on 04/16/2009 05:43 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 REBUTTAL Individual responds


AUTHOR: Andrew - (U.S.A.)

I can't believe there is another posting from this lunatic!!! 

I will be in Yonkers Small Claims Court on 12/14/09.  If anyone wants to see a woman be humiliated, then I encourage you to come see what happens.

Even though this Miss Muntslag signed three (3) contracts with me last summer, and also provided me with additional information two months later to finalize the contracts, she feels that I was acting wrong for submitting those deals for approval.  Maybe I should have kept those contracts in my special "do not submit signed deals" file. 

Anyway, I spoke with the Chase legal dept (Chase owns Wamu) and they told me that this crazy woman is going through all this for $45!!!! 

Just see what the judge says when I present him with the 3 signed contracts.  You're a fool.

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#2 REBUTTAL Individual responds

Thanx for asking Nancy

AUTHOR: Andrew - (U.S.A.)

When you are a legal alien resident the government provides you with a tax id number that can act as your social.

I have her tax id documents for her business...which she gave me, and I'm wondering one thing.

If Lisette Muntslag of 117 Stanley Ave, apt 2C Yonkers, NY 10705 was issued a real social in August of 2008 and was issued a tax id number in March of 2008, then what legal status did she have to be in this country before that?

I would usually assume that it was a student visa. However, if that is the case then I want to know what school taught her that you can start a business with less than $30 in your bank account!
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#3 Consumer Suggestion

I would like to know

AUTHOR: Nancy - (U.S.A.)

I would like to know how she was able to even get a bank account without a valid social security number?
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#4 REBUTTAL Individual responds

Lisette Muntslag needs a reality check!

AUTHOR: Andrew - (U.S.A.)

This lunatic is out of her mind!

First of all, I was not allowed to show up at People's Court because my company would not sign a waiver to let me appear.

Now she claims that the contracts she signed with me were disguised as WAMU contracts!?! The ONLY company name on the contracts is TransFirst. The ONLY name on the lease contract is Northern Leasing.

I would like to recommend a mental health exam for this lady.

FYI, she sued WAMU...not me, not the company I worked for and not Northern Leasing.

I called Yonkers courts and they said that I did not have to show up for any reason.

However, I have contacted WAMY and requested that they call me for the next court date. I will bring the 2 signed service agreements and the signed lease.

By the way, you crazed maniac, there are a couple of things you still have yet to explain.

1. Your contracts were originally not accepted because we did not have your SSN.
Why is it that YOU called me when you got your official SSN? Explain that to the world.


2. The overdraft charges from the bank were because you didn't have $30 in your business account!! Please explain to the general public how I destroyed your business when you didn't have $30 to begin with?

Oh, and since you think it's funny to post names, addresses and phone numbers:

Lisette Muntslag
New Horizon Real Estate & Leni Enterprises
117 Stanley Ave apt 2C
Yonkers, NY 10705
(914) 751-1226

I can't wait to show up and support WAMU against you at the next court date.
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#5 Author of original report


AUTHOR: Lisette - (U.S.A.)

On June 22, I received an offer from WAMU to settle the case out of court. I made a counter offer which they did not accept. I had my day in Court on June 24 and the Honorable Judge presiding found that something was going on. The case was adjourned and the WAMU Assistant Manager Ada Martinez who was suspiciously silent in all this will be subpoenaed for the next trial date. From testimony yesterday they now claim that the WAMU Merchant account service they offered me was a Transfirst referral. My WAMU Merchant account application was in fact a disguised Transfirst merchant account application. Ada Martinez had an incentive to steer me to Andrew Taweel the Transfirst agent who talked me into signing the application under false pretenses.

Note: On May 26 Andrew Taweel did not show up for a hearing in the People's Court with Judge Milian, so much for his claim that I did not have my story straight.

The Judge ordered that he show up in Court for the next trial date. He can tell the judge in person that I am out of my mind. They put my business and livelihood on hold but the truth of this matter will surely come to light and justice will prevail. See you in Court!
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#6 Author of original report

Andrew Taweel is shifting the blame

AUTHOR: Lisette - (U.S.A.)

When I met with Andrew at the Getty Square Branch in Yonkers to discuss the merchant account services, I told him that I was not ready because I did not have anything to sell. His response that day was that it took along time to process the application. Under these false pretenses I signed the papers. Andrew kept pressuring me for a sample page of my website and terms of services. Something I started doing but stopped because of an issue with my domain name hosting company. When I called Andrew to inform him that I was not going through with the services he did not return my call. He unbeknownst to me put this process in motion and his company and their partners started debiting my account.

At the end of October 2008 Andrew in an email said that they were not supposed to take money out of my account. The overdraft charge was paid by Andrew. In November the same thing happened and he said that he would pay it again. But by this time things got out of control.

Northern Leasing ran my credit at will, and kept calling me that I owe them, while I don't use their services and don't have any equipment. I have the emails to proof Andrew his arrogancesince he had my signature he thought that he could do what ever he wanted and get away with it.

The papers I signed happened to be a Washington Mutual contract that's why they didn't do anything to stop this abuse. Since I was not the only one I filed a complaint with the Attorney Generals Office and this case is going to the New York State Banking Department for further investigation. This matter is also pending in Yonkers City Court.

I am sorry but I am not taking the fall for other people's incompetence and greed.
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#7 REBUTTAL Individual responds

Lisette Munstlag of Leni Enterprises and New Horizon Real Estate should get her facts straight before posting comments on the internet!!!!

AUTHOR: Andrew - (U.S.A.)

This lady is out of her mind. She signed 2 contracts with me for her 2 businesses.

One business was an online company that did not have the website up and running yet. I told her that we should go ahead and do the paperwork for that business and that she would not be charged anything until the website was functional.

The other business was her real-estate apartment rental business, which she said was an active business. She leased a terminal for that company.

This was all in June of 2008. It turned out that Lisette did not have a valid social security number and neither of these deals were approved.

Lisetter called me back in September of 2008 to let me know that she received her social security number and she was ready to proceed with the merchant service accounts. It was at this point that I resubmitted the paperwork.

All charges for merchant service accounts are electronically deducted from the business owners account.

When Lisette called me in November, it was because her business had not made any money and she had not deposited anything in her business checking account.

As a result, she was hit with overdraft charges and her terminal lease went into collections.

This lady is out of her mind if she thinks that I did anything wrong. Perhaps she should stop blaming other people for her financial irresponsibility.

And if you post anything else about me on-line Lisette, I will file a restraining order against you and take action for damages.

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