National Bureau of Merchant Services NBMS Payments scammed before even beginning to process transactions!! Phoenix, Arizona

I recieved a phone call from a sales representative, Jessica Maloney, from the National Bureau of Merchant Services who claimed that the NBMS is a direct processor for Visa and Mastercard, guaranteeing to beat my current rates I am recieving with my current processing company by a substantial amount of money.  I told Miss. Maloney I was very content with my current processor, and was not interested.  She was persistent that I at least recieved a rate quote comparison to see the what my actual savings would be.  I agreed to allow her to do the comparison.    

After seeing the potential saving, I still was not really interested until they made me an "exclusive offer," of waiving all set up fees and having me on a month to month contract with no cancellation fees in the event that I elect to return to my current processor. 
 
I filled out the paperwork, and before the deal was completed with the purchasing or leasing of a terminal, and any processing could be done, I started recieving statments that money was being taken out of my account, through a company called IRN Payment systems, which is the company that is actually doing the processing for NBMS.  Clearly, this shows that the NBMS is a 3rd party processing company.  The company was lying about this and many other promises or guarantees they made to me.

I told the company before I would proceed further, I wanted the money they had been taking out of my account to be refunded since I had not been or was not able to even begin processing with them, and that they could begin debiting my account once I was able to start processing with them.  They told me once I begin processing with them, they would refund the money.

I then decided I was going to fax in a letter to IRN Payment Systems cancelling the processing, I NEVER HAD, which they requested I do before they stopped billing me.  Upon completeing and faxing in  the letter, they told me, not only were they not refunding ANY of the money they had taken out of my account, but that they were debiting my account another $320.00 for an Account Rate Fee, and a File Built Fee.

Now they tell me that they will credit the past money taken and not charge me these other fees if I purchase a terminal and begin processing with them.  They destroyed my trust by charging me before any processing was done or could be done, and now they are bribing into purchasing equipment and processing with them, WHAT A ROTTEN SCAM!!!

The management involved in the scam is Robert Thomas, Freddy Garcia, and Scott Alvarez, all of which continued to mislead, and tell falsehoods to get me to secure a contract with their small 3rd party processing company who scams companies out of money without delivering the services they promise.