"ACG Unlimited" / "Matthew Bernhard" DO NOT DO BUSINESS WITH MATT BERNHARD! Northern New Jersey area New Jersey

The Truth is that I have never had any involvement in Swipe other than being a liason between you and the merchant services company for a short period of time at the begining of your short involvement with Swipe. I have never been an employee to Swipe and I have never had any involvement with regard to your contract with Swipe.

However, you decided to make me a part of it here. Your claims agaist me are 100% false.  It is only because of random days where you and your wife, Dana Rosen, began bombarding me with calls and text, that were full of Profanities, harrassing statements and threats that I had communication with you.  Not once have I ever had any reason nor did I call you.  The language the two of you used and the tones in which it was said were nothing less than disgraceful.  When you two get "in the mood" late in the day the harassment was unrelenting and repulsive.

The claim that your wife, Dana Rosen, Philadelphia, PA, was legitimate in her proposal to take Clients from Citi Bank, who could not be serviced with Merchant Accounts and bring them to Swipe to make a profit seems suspect to me. My husband came to me after that call and said "Can you believe she is willing to give Swipe Citi's clients information for merchant accounts?"  My immediate response was, "Don't even think about it. Bad news."

You have attacked me and my character for no reason. I had Nothing to do with any of these antic. The allegations you state here about me are false and the public records are misleading - failure to appear for an insurance violation.

In addition, I have never created false reports to up ratings. I do not opporate like that.  You do not know me. I am a straight shooter. And I will not allow you to continue to state untrue statements about me with out repsonding with Vigor.  It will be a pleaure to sit down face to face and have this discussion with you and your wife, Dana Rosen anytime you would like. The Turth is easy to see when you look someone in the eyes, as are the lies!

 Mrs. Bernhard/Lisa Killmon has contacted me via text message on 12/12/14.  Verbatim excerpts are quoted in BLUE.  My comments are in RED. 

Type: Text message

From:(((redacted)))

Sent: 12/12/14, 421PM

“…You have until 5pm Monday to get that down or the rebuttal goes up with your wife's name companies she worked/works for and the scam she was planning. Further the card Matt sent you in good faith that you would take it down will be canceled. Additionally since everything you wrote about me is a lie I will take legal action against you if it is not down by COB-5pm Monday. I had zero to do with your swipe business agreement & your accusation about me writing ratings for ACG is a lie. You fabricated that story so you could attach my name to your story. I don't work that way. I will not have my name tarnished by the likes of you. And I certainly do not take things lying down. 5pm Monday. What kind of man are you to try and ruin a woman's image who you don't even know. I will personally hand you whatever money you're owed when we have it. You will look me in the eyes and feel like the t**t that you have proven to be…”

AUTHOR’S COMMENTS RE TEXT MESSAGE:  I REDACT/ACKNOWLEDGE THAT I DO NOT HAVE A BUSINESS AGREEMENT WITH MRS LISA BERNHARD/LISA KILLMON.  I HAVE NO PROOF THAT EITHER MR. OR MRS. BERNHARD POSTED POSITIVE REVIEWS OF THEIR OWN BUSINESS UNDER FICTITIOUS NAMES FOR THE BENEFIT OF THEIR BUSINESSES.

I HAVE DOCUMENTED AND KEPT LOG RECORD OF 1000’s OF TEXT MESSAGES, 100’s OF EMAIL EXCHANGES, 1000’s OF PHONE CALL ATTEMPTS (SOMETIMES 100’s OF CALLS OVER JUST TWO DAYS), COPIES OF CONTRACTS, NEW CUSTOMER APPLICATIONS, BOUNCED CHECKS, AND RECORDED PHONE CONVERSATIONS (LIKE THIS ONE FROM 11/26/14: https://www.dropbox.com/s/sqi4aprvq8c7x9v/call_14-34-46_IN_17328321443.wav?dl=0); - ALL OF WHICH ARE MAINTAINED AND AVAILABLE TO ANY INTERESTED PARTY FOR THE ASKING (IT IS SUFFICIENT TO SUMMATE THAT I HAVE AN EXTENSIVE LIBRARY OF PROOF)

.WHILE APPRECIATIVE OF RECEIVING THE DEBIT CARD SENT IN GOOD FAITH, AT THE TIME OF THIS WRITING THE FIRST PAYMENT HASN’T EVEN TAKEN PLACE YET.  I AM REMINDED OF AT LEAST 9 TIMES IN THE PAST I HAVE BEEN ASKED TO ACCEPT A PAYMENT AGREEMENT, OR OFFERED A DATE THAT I WOULD I BE “ZEROED OUT”, OR PROVIDED A PLAN TO SWITCH PAYMENTS DIRECTLY TO ME REMOVING YOU FROM THE LOOP – AND NOT ONE TIME HAS FOLLOW THROUGH ACTUALLY OCCURRED,   WHEN PAYMENTS ACTUALLY TAKE PLACE I WILL UPDATE THIS REPORT ACCORDINGLY.  IF YOU CHOSE TO CANCEL SAID PAYMENT CARD (EVEN BEFORE THE FIRST PROMISED PAYMENT), I WOULD NOT BE SURPRISED AS PER THE COLLECTIVE PAST HISTORY.  YOU HAVE NOT PAID ME SINCE THIS BEGAN 3+ YEARS AGO EXCEPT FOR A FEW PARTIAL PAYMENTS HERE AND THERE, SO I SEE THIS EXERCISE PRETTY MUCH AS HAVING NOTHING TO LOSE. 

 FOLLOWING UP ON THIS MATTER FOR THE PAST 3+ YEARS HAS BECOME EQUAL TO A PART-TIME JOB AND IF I EMPLOYED SOMEONE TO DO IT FOR ME, I WOULD HAVE HAD TO PAY THEM FOR 100’S IF NOT 1000+ MAN HOURS OF SERVICE.

 I HAVE ADVISED YOUR HUSBAND IN WRITING AND VERBALLY AT LEAST 7 TIMES IN THE PAST YEAR THAT IF HE CONTINUED TO IGNORE, LIE AND HIDE FROM ME, THAT I WOULD TAKE THIS MATTER PUBLIC AND TO A NEW LEVEL.  YOU HAVE COLLECTIVELY IGNORED THOSE MESSAGES AND ARE NOW DEALING WITH THE AFTERMATH OF STICKING YOUR HEADS IN THE SAND.  SINCE THE PUBLISHING OF THIS REPORT AND YOUR HUSBAND’S ACTIONS OF WIRING $150 AND MAILING A DEBIT CARD FOR FUTURE PAYMENTS, I HAVE TEMPORARILY STOPPED ACTIONS ON THE REST MY EXTENSIVE ‘TO DO” LIST AS IT RELATES TO THIS MATTER. 

 REGARDING YOUR EXTORTION THREAT OF NAMING MY WIFE AND THE COMPANY SHE CURRENTLY WORKS FOR IN AN EFFORT TO TARNISH HER REPUTATION...  I WISH TO REMIND YOU THAT MY WIFE HAD NO BUSINESS AGREEMENTS WITH “GRACIE VENTURES” OR “SWIPE MERCHANT SERVICES”.  YOUR THREATS ARE JUST ANOTHER INSTANCE OF SHIFTING SUBJECT OFF THE FACT THAT YOU COLLECTED AND SPENT MY MONEY EVERY MONTH FOR THE PAST 3+ YEARS WITHOUT PAYING ME.  MY WIFE HAS HELPED ME TO MAKE YOUR DUNNING PHONE CALLS AND ALSO SENT TEXT MESSAGES ON MY BEHALF BECAUSE YOU HAVE MADE FOLLOWING UP ON THIS MATTER THE BURDENSOME PART-TIME JOB DESCRIBED EARLIER.  AT THE TIME OF ME ENTERING INTO A SALES AGREEMENT WITH YOUR COMPANY MY WIFE HAD WORKED FOR A GLOBAL BANK WHICH NO LONGER HAS A PRESENCE IN PENNSYLVANIA FOR SOME YEARS.  SINCE YOU’RE STILL CLUELESS ABOUT HOW THE MERCHANT SERVICES INDUSTRY WORKS, THAT BANK, LIKE SO MANY OTHERS, DOESN’T DO THEIR MERCHANT SERVICES AND REFERS SUCH TO 3^RD PARTIES.  NONE OF THEIR BANK REPRESENTATIVES WERE COMPENSATED FOR MERCHANT SERVICES BECAUSE REFERRING IT OFF ALLOWS MONEY TO AT LEAST FLOW INTO ONE OF THEIR BANK ACCOUNTS SO MAYBE THEY CAN STILL DO OTHER BANKING BUSINESS WITH THOSE CUSTOMERS. 

 I ONLY HAD A TOTAL OF THREE MERCHANT SERVICES CUSTOMERS - NONE OF WHICH AT ANY TIME WERE CUSTOMERS OF THAT BANK (BEFORE OR AFTER).   THE 4^TH AND LAST CUSTOMER (YOU DID A $20,000 SHORT-TERM LOAN FOR) WAS A CUSTOMER OF THAT BANK, BUT APPLIED FOR AND WAS DECLINED A LOAN BY THEM.  THE BRANCH MANAGER REFERRED THE WORKING CAPITAL LOAN TO US TO GET IT DONE VIA YOUR COMPANY.  WE TRIED, BUT NEVER WON THEIR MERCHANT SERVICES BUSINESS WHICH REMAINED AT ANOTHER BANK.   IT IS LAUGHABLE THAT YOU “CLAIM’ THAT MY WIFE WAS PLANNING SOME SORT OF “SCAM” WHEN YOU ARE REFERRING TO THE VERY BUSINESS THAT YOU CASHED THE COMMISSION CHECKS ON AND KEPT TO YOURSELF UNTIL NOW.  IF YOU ATTEMPT TO SMEAR HER NAME, I WILL TAKE FULL LEGAL ACTION AS APPROPRIATE.  YOU HAVE NO DOCUMENTED PROOF THAT SHE EVER DID ANYTHING THAT WAS NOT ABOVE BOARD.  WHILE YOU HAVE BEEN HIDING FROM ME FOR THE PAST 3+ YEARS, I’VE HAD PLENTY OF TIME TO GATHER MY RECORDS, DO MY RESEARCH AND IF YOU PRESS THIS FALSE ASPECT I WILL CONTINUE TO BRING YOUR PERSONAL EXISTENCE AND BEHAVIOR TO LIGHT AMONGST THE MASSES.   I HAVE A WHOLE PROGRAM PLANED FOR THE BERNHARD’S WHICH AT PRESENT IS ON HOLD PENDING YOUR ACTIONS ON THIS MATTER, OR LACK THEREOF – IT’S YOUR CHOICE ON HOW THIS PROCEEDS.

I received an email from Mr. Bernhard.  Verbatim excerpts (misspellings included) are quoted in BLUE.  My comments are in RED. 

From: Matt Bernhard [mailto:matt@athleteconsultinggroup.com] 

Sent: Friday, November 28, 2014 3:25 PM
Subject: Status

“…sending today, via USPS, 2 day air, the XXXXX debit card linked to a XXXXXXXX account.  It is the only card connected to the business...”

“…deposit occurs between the 27th and the 30th of each month.  The deposit amounts range from $280 to $450 depending on volume…”

“…deposit that typically hits on the 20th depending on volume which ranges from $150 to $300...”  

“…alert you via email when the deposits hit and the amount regarding same. You will be entitled to the entire amount of each and I will prepare a tracker whcih will be deucted from the amount due…”.

“…The purpose of sending you the card is first, so you can have direct access immediately to funds when available and we are not incurring unneccary fees transferring funds to you.  Second, the card acts as security of payment, while I anticipate zeroing you out in short order this will provide you with access to funds while I am working on other income fronts…”

“With that I will address the posts that you placed on the internet.

1.  It is no secret I am a disbarred attorney.  I paid dearly for that and that is my past.  I resolved the issue with the State as well.”

AUTHOR’S COMMENTS RE #1: 

I REDACT/ACKNOWLEDGE THAT MR. BERNHARD’S PAST FELONY ACTIONS HAVE NOTHING TO DO WITH OUR BUSINESS DEALINGS OR NON-PAYMENTS OF EARNED SALES COMMISSIONS RELATING TO MERCHANT SERVICES AND WORKING CAPITAL BUSINESS LOANS.    

MR. BERNHARD’S PUBLIC LEGAL HISTORY SITED IN THE ORIGINAL REPORT GOES TO CHARACTER.  A HISTORY OF NON-DISTRIBUTION OF ENTRUSTED MONIES IS AT THE HEART OF THIS MATTER.  THE FELONY SENTENCE WAS KEPT SECRET FROM ME WHEN NEGOTIATING A REPRESENTATION CONTRACT.  WHEN MONTHLY COMMISSION PAYMENTS CAME DUE FOR PAYMENT, A PATTERN DEVELOPED OF IGNORED/UN-RETURNED PHONE CALLS, UNANSWERED EMAILS/TEXT MESSAGES AND BROKEN ACTION ITEM PROMISES.  I DISCOVERED THE FELONY ARREST HISTORY WHILE DOING RESEARCH ON HOW TO CONTACT THIS PERSON WHO DIDN’T WANT TO BE FOUND.  THIS WAS/IS PUBLIC INFORMATION AVAILABLE TO ANYONE WITH A WEB BROWSER AS I HAD FOUND IT INCLUDING MUG SHOT PHOTOGRAPHS. 

2.  As it relates to changing names of companies to avoid creditors.  100% false.  Gracie Ventures was an LLC set up for consulting services.  I no longer provide those services and the LLC was administratively resolved for the simple reason that the State of NJ charges yearly fees to maintian an LLC as active.  Gracie Ventures was dissolved with zero  (0) creditors or debt.  Swipe was also administratively dissolved for the same reasons as Gracie Ventures. The only debt/creditor  Swipe houses is with you which has been addressed above.  ACG or Athletes Consulting Group was administratively dissolved because  we were known in the space as just doing athlete related loans. Again, the company was dissolved with zero(0) creditors or debt.  

We reformed ACG to ACG Unlimited because I had to good fortune of obtaining contracts and working agreements to handle sponsorships and naming rights.  The name change was simply to inform that we had multiple services to provide.

AUTHOR’S COMMENTS RE #2:  I REDACT/ACKNOWLEDGE THAT I DO NOT KNOW IF “GRACIE VENTURES” OR “SWIPE MERCHANT SERVICES” OR “SWIPE MERCHANT ACCOUNTS” HAS CHANGED OPERATING NAMES TO AVOID PAYMENT TO CREDITORS. 

MY SALES CONTRACT WAS WITH “GRACIE VENTURES”.   SHORTLY THEREAFTER I WAS ASKED TO SIGN A NEW AGREEMENT WITH “SWIPE MERCHANT SERVICES” REPLACING THE FIRST AGREEMENT.  SOME MONTHS LATER THE NAME CHANGED AGAIN WITH A NEW WEBSITE AND EMAIL ADDRESS TO “SWIPE MERCHANT ACCOUNTS”.   ALMOST ALL PROMISED ACTION ITEMS WERE BROKEN INCLUDING TIMELY PAYMENTS AND FURNISHING MONTHLY CUSTOMER SALES REPORTS; RETURNING OF CALLS, REPLYING TO EMAIL/TEXT MESSAGES.   IN A STATE OF FRUSTRATION, MY PERSONAL CONCLUSION WAS THAT SWITCHING NAMES COULD HAVE BEEN AN INDICATION OF RUNNING AWAY FROM CREDITORS.   I WAS NOT PAID.   I DID NOT HAVE BUSINESS DEALINGS WITH MR. BERNHARD’S LATEST “ACG” COMPANY, BUT I FIND IT INTERESTING THAT ACG HAS CHANGED THEIR WEB AND EMAIL DOMAIN ADDRESS FROM “ATHLETESCONSULTINGGROUP.COM” TO “ATHLETECONSULTINGGROUP.COM” WHEN ACGUNLIMITED.COM OR ANOTHER ITERATIONS USING THE WORD “UNLIMITED” ARE EASILY AVAILABLE AND WOULD HAVE MADE MORE SENSE ACCORDING TO MR. BERNHARD’S STATED EXPLANATIONS. 

3.  My wife had no has anything to do with any agreement between you and I.  She does not pose as some shield for me.  She has a marketing background and has helped me on that front.  We have Never posted any positive review of anything ever.  I have not nor has she.  The "Mug shots" of her that you posted were from a missed court date relative to a Motor Vehicle Violation some 7 years ago.  The second one was an administrative error and that matter was dismissed with apologies from the Judge.  My wife has a 17 year old and 18 year old who as all teens are ion the internet. They will not see their mother missportrayed in such a light.

Finally, I have multiple negotiation ongoing for new and upcoming business for 2015 which will require meetings in NYC prior to the Holidays.  Posts like the ones you posted will put those agreements at risk and may harm current business and damage will result.  90% of what you posted was speculation which was wholly false.

AUTHOR’S COMMENTS RE #3:  I REDACT/ACKNOWLEDGE THAT I DO NOT HAVE A BUSINESS AGREEMENT WITH MRS LISA BERNHARD/MS. LISA KILLMON RELATING TO “GRACIE VENTURES” OR “SWIPE MERCHANT SERVICES”.   ALSO, I HAVE NO PROOF THAT MR. OR MRS. BERNHARD POSTED POSITIVE INTERNET REVIEWS UNDER FICTITIOUS NAMES FOR THE BENEFIT THEIR BUSINESSES.

PIC A. - SWIPE MS LISTING KILLMON AS CHIEF MARKETING OFFICER

https://www.dropbox.com/s/1usz8jo75ak6mjn/SWIPE%20Killmon%20CMO%2001.JPG?dl=0

PIC B. – SWIPE KILLMON EMAIL SIGNATURE, CHIEF MARKETING OFFICER

https://www.dropbox.com/s/i2xuan9sl1dmyj4/SWIPE%20Killmon%20CMO%2002.JPG?dl=0

PIC C. BUSINESS DIRECTORY LISTING KILLMON CMO

https://www.dropbox.com/s/acx2ikw9xv38snq/SWIPE%20Killmon%20CMO%20Bus%20Directory%2002.JPG?dl=0

MRS. BERNHARD’S TITLE WAS “CHIEF MARKETING OFFICER”.  ALL MARKETING RESPONSIBILITY ROLLS UP TO THAT TITLE.  WHILE I DID NOT HAVE A BUSINESS AGREEMENT DIRECTLY MRS. BERNHARD, BOTH SHE AND MR. BERNHARD CONTINUED TO RECEIVE MONTHLY RESIDUAL COMMISSIONS FOR MY CUSTOMERS, NEVER DISBURSED IT TO ME, AND SPENT THE FUNDS AMONGST THEMSELVES.  AS AN OFFICER OF THE COMPANY AND A PERSON WHO DIRECTLY BENEFITED FINANCIALLY FROM THE WORK I PREFORMED BUT WAS NOT PAID FOR, IT WAS IMPORTANT TO INCLUDE MRS. BERNHARD IN THIS REPORT AS TWO WORKED IN TANDEM WITH ME TO CREATE THIS ABHORRENT SITUATION.  IT’S NOT AS THOUGH MRS. BERNHARD WAS JUST A RANK AND FILE EMPLOYEE – BOTH MR. AND MRS. BERNHARD CONTINUED TO RECEIVE MONTHLY PAYMENT CHECKS FROM MY SALES EFFORTS FOR 3+ YEARS WHICH WAS NOT SHARED WITH ME AS WAS DICTATED BY OUR CONTRACT.

ACG BUSINESS LISTING WEBSITES LIKE THIS ONE FROM FACEBOOK HAVE BEEN TAKEN DOWN SINCE THE REPORT POSTING, BUT RECORD OF PREVIOUS EXISTENCE REMAINS ON INTERNET SEARCHES AS PER THIS PICTURE D. BELOW…

PIC D.

https://www.dropbox.com/s/8kr8jxvis6kwkql/ACG%20Killmon%20Facebook%20Page.JPG?dl=0

I REDACT/ACKNOWLEDGE THAT THE "MUG SHOTS" OF MRS. LISA BERNHARD/LISA KILLMON IN THIS REPORT HAVE NOTHING TO DO WITH BUSINESS THAT I’VE BEEN TRYING TO COLLECT COMMISSION PAYMENT ON FOR THE PAST 3+ YEARS.  IT DOES HOWEVER GO TO PERSONAL CHARACTER OF WHOM ONE CHOOSES TO DO BUSINESS WITH.  THE ARREST RECORDS FOR WHATEVER REASON AND PHOTOGRAPHS ARE NOT A NEW REVELATIONS AND IS GENERALLY AVAILABLE TO ANYONE (TEENAGE CHILDREN INCLUDED) THAT LOOK FOR IT ON THE INTERNET AS DID I AFTER BEING IGNORED FOR SO LONG.   YOUR ISSUE WITH MY REPORT POSTING URL LINKS TO PUBLIC INFORMATION AND PHOTOGRAPHS, SHOULD BE TAKEN IT UP WITH THE GOVERNMENT ENTITLES THAT RELEASED THE INFORMATION AND/OR THE HOSTING COMPANY ADMINISTRATING THE WEB SERVER(S).  HAD I MENTIONED NOTHING ABOUT IT, IT WOULD STILL BE THERE OF ITS OWN ACCORD.

Please remove or redact the posts for the reasons stated above.  No response is required and I will text you tracking number later today.

REDACTIONS ARE LISTED ABOVE.  I HAVE RECEIVED THE DESCRIBED PRE-PAID CARD BY MAIL AND AWAIT THE FIRST OF TWO MONTHLY PAYMENTS AS PREVIOUSLY DESCRIBED STARTING ON OR ABOUT 12/20 OF THIS MONTH.  I WILL ACCURATELY UPDATE PAYMENT REPORTS AS THEY ARE RECEIVED, OR I WILL UPDATE ON BROKEN PROMISES.  

Mr. Bernhard has contacted me by phone on 11/22/14 pledging to send $150.00 by Western Union along with a plan to for regular monthly payments via a supplied pre-paid card that I would make withdraws against it.  Within two days Mr. Bernhard sent me a text message confirmation of the $150 Western Union payment action.  I was able to retrieve the $150 Western Union payment within the week. 

I am appreciative of this report forum which seems to have forced an attempted mediation as I have not been able to communicate with Mr. Bernhard for the past several months.  This was the first partial payment received in about 18 months toward a balance of many thousands of dollars going back over 3+ years.  

Mrs. Bernhard/Lisa Killmon has contacted me via text message on 12/12/14.  Verbatim excerpts are quoted in BLUE.  My comments are in RED.

Type: Text message

From: (732) 757-1851

Sent: 12/12/14, 421PM

“…You have until 5pm Monday to get that down or the rebuttal goes up with your wife's name companies she worked/works for and the scam she was planning. Further the card Matt sent you in good faith that you would take it down will be canceled. Additionally since everything you wrote about me is a lie I will take legal action against you if it is not down by COB-5pm Monday. I had zero to do with your swipe business agreement & your accusation about me writing ratings for ACG is a lie. You fabricated that story so you could attach my name to your story. I don't work that way. I will not have my name tarnished by the likes of you. And I certainly do not take things lying down. 5pm Monday. What kind of man are you to try and ruin a woman's image who you don't even know. I will personally hand you whatever money you're owed when we have it. You will look me in the eyes and feel like the t**t that you have proven to be…”

AUTHOR’S COMMENTS RE 12/12/14 TEXT MESSAGE:  I REDACT/ACKNOWLEDGE THAT I DO NOT HAVE A BUSINESS AGREEMENT WITH MRS LISA BERNHARD/LISA KILLMON.  I HAVE NO PROOF THAT EITHER MR. OR MRS. BERNHARD POSTED POSITIVE REVIEWS OF THEIR OWN BUSINESS UNDER FICTITIOUS NAMES FOR THE BENEFIT OF THEIR BUSINESSES.

I HAVE DOCUMENTED AND KEPT LOG RECORD OF 1000’s OF TEXT MESSAGES, 100’s OF EMAIL EXCHANGES, 1000’s OF PHONE CALL ATTEMPTS (SOMETIMES 100’s OF CALLS OVER JUST TWO DAYS), COPIES OF CONTRACTS, NEW CUSTOMER APPLICATIONS, BOUNCED CHECKS, AND RECORDED PHONE CONVERSATIONS (LIKE THIS ONE FROM 11/26/14: https://www.dropbox.com/s/sqi4aprvq8c7x9v/call_14-34-46_IN_17328321443.wav?dl=0); - ALL OF WHICH ARE MAINTAINED AND AVAILABLE TO ANY INTERESTED PARTY FOR THE ASKING (IT IS SUFFICIENT TO SUMMATE THAT I HAVE AN EXTENSIVE LIBRARY OF PROOF)

WHILE APPRECIATIVE OF RECEIVING THE DEBIT CARD SENT IN GOOD FAITH, AT THE TIME OF THIS WRITING THE FIRST PAYMENT HASN’T EVEN TAKEN PLACE YET.  I AM REMINDED OF AT LEAST 9 TIMES IN THE PAST I HAVE BEEN ASKED TO ACCEPT A PAYMENT AGREEMENT, OR OFFERED A DATE THAT I WOULD I BE “ZEROED OUT”, OR PROVIDED A PLAN TO SWITCH PAYMENTS DIRECTLY TO ME REMOVING YOU FROM THE LOOP – AND NOT ONE TIME HAS FOLLOW THROUGH ACTUALLY OCCURRED,   WHEN PAYMENTS ACTUALLY TAKE PLACE I WILL UPDATE THIS REPORT ACCORDINGLY.  IF YOU CHOSE TO CANCEL SAID PAYMENT CARD (EVEN BEFORE THE FIRST PROMISED PAYMENT), I WOULD NOT BE SURPRISED AS PER THE COLLECTIVE PAST HISTORY.  YOU HAVE NOT PAID ME SINCE THIS BEGAN 3+ YEARS AGO EXCEPT FOR A FEW PARTIAL PAYMENTS HERE AND THERE, SO I SEE THIS EXERCISE PRETTY MUCH AS HAVING NOTHING TO LOSE.

FOLLOWING UP ON THIS MATTER FOR THE PAST 3+ YEARS HAS BECOME EQUAL TO A PART-TIME JOB AND IF I EMPLOYED SOMEONE TO DO IT FOR ME, I WOULD HAVE HAD TO PAY THEM FOR 100’S IF NOT 1000+ MAN HOURS OF SERVICE.

I HAVE ADVISED YOUR HUSBAND IN WRITING AND VERBALLY AT LEAST 7 TIMES IN THE PAST YEAR THAT IF HE CONTINUED TO IGNORE, LIE AND HIDE FROM ME, THAT I WOULD TAKE THIS MATTER PUBLIC AND TO A NEW LEVEL.  YOU HAVE COLLECTIVELY IGNORED THOSE MESSAGES AND ARE NOW DEALING WITH THE AFTERMATH OF STICKING YOUR HEADS IN THE SAND.  SINCE THE PUBLISHING OF THIS REPORT AND YOUR HUSBAND’S ACTIONS OF WIRING $150 AND MAILING A DEBIT CARD FOR FUTURE PAYMENTS, I HAVE TEMPORARILY STOPPED ACTIONS ON THE REST MY EXTENSIVE ‘TO DO” LIST AS IT RELATES TO THIS MATTER.

REGARDING YOUR EXTORTION THREAT OF NAMING MY WIFE AND THE COMPANY SHE CURRENTLY WORKS FOR IN AN EFFORT TO TARNISH HER REPUTATION...  I WISH TO REMIND YOU THAT MY WIFE HAD NO BUSINESS AGREEMENTS WITH “GRACIE VENTURES” OR “SWIPE MERCHANT SERVICES”.  YOUR THREATS ARE JUST ANOTHER INSTANCE OF SHIFTING SUBJECT OFF THE FACT THAT YOU COLLECTED AND SPENT MY MONEY EVERY MONTH FOR THE PAST 3+ YEARS WITHOUT PAYING ME.  MY WIFE HAS HELPED ME TO MAKE YOUR DUNNING PHONE CALLS AND ALSO SENT TEXT MESSAGES ON MY BEHALF BECAUSE YOU HAVE MADE FOLLOWING UP ON THIS MATTER THE BURDENSOME PART-TIME JOB DESCRIBED EARLIER.  AT THE TIME OF ME ENTERING INTO A SALES AGREEMENT WITH YOUR COMPANY MY WIFE HAD WORKED FOR A GLOBAL BANK WHICH NO LONGER HAS A PRESENCE IN PENNSYLVANIA FOR SOME YEARS.  SINCE YOU’RE STILL CLUELESS ABOUT HOW THE MERCHANT SERVICES INDUSTRY WORKS, THAT BANK, LIKE SO MANY OTHERS, DOESN’T DO THEIR OWN MERCHANT SERVICES AND REFERS SUCH TO 3^RD PARTIES.  NONE OF THEIR BANK REPRESENTATIVES WERE COMPENSATED FOR MERCHANT SERVICES BECAUSE REFERRING IT OFF ALLOWS MONEY TO AT LEAST FLOW INTO ONE OF THEIR BANK ACCOUNTS SO MAYBE THEY CAN STILL DO OTHER BANKING BUSINESS WITH THOSE CUSTOMERS.

I ONLY HAD A TOTAL OF THREE MERCHANT SERVICES CUSTOMERS - NONE OF WHICH AT ANY TIME WERE CUSTOMERS OF THAT BANK.   THE 4^TH AND LAST CUSTOMER (YOU DID A $20,000 SHORT-TERM LOAN FOR) WAS A CUSTOMER OF THAT BANK, BUT APPLIED FOR AND WAS DECLINED A LOAN BY THEM.  THE BRANCH MANAGER REFERRED THE WORKING CAPITAL LOAN TO US TO GET IT DONE VIA YOUR COMPANY AND USING THEIR EXISTING MERCHANT SERVICES BUSINESS AS COLLATERAL.  WE TRIED BUT NEVER WON THEIR MERCHANT SERVICES BUSINESS WHICH REMAINED AT YET ANOTHER BANK.   IT IS LAUGHABLE THAT YOU “CLAIM’ THAT MY WIFE WAS PLANNING SOME SORT OF “SCAM” WHEN YOU ARE REFERRING TO THE VERY BUSINESS THAT YOU CASHED THE COMMISSION CHECKS ON AND KEPT TO YOURSELF UNTIL NOW.  IF YOU ATTEMPT TO SMEAR HER NAME, I WILL TAKE FULL LEGAL ACTION AS APPROPRIATE.  YOU HAVE NO DOCUMENTED PROOF THAT SHE EVER DID ANYTHING THAT WAS NOT ABOVE BOARD.  WHILE YOU HAVE BEEN HIDING FROM ME FOR THE PAST 3+ YEARS, I’VE HAD PLENTY OF TIME TO GATHER MY RECORDS, DO MY RESEARCH AND IF YOU PRESS THIS FALSE ASPECT I WILL CONTINUE TO BRING YOUR PERSONAL EXISTENCE AND BEHAVIOR TO LIGHT AMONGST THE MASSES.   I HAVE A WHOLE PROGRAM PLANED FOR THE BERNHARD’S WHICH AT PRESENT IS ON HOLD PENDING YOUR ACTIONS ON THIS MATTER, OR LACK THEREOF – IT’S YOUR CHOICE ON HOW THIS PROCEEDS.

I do not want any readers of this complaint against Matt Bernhard, ACG, Athletes Consulting Group, Limited or Lisa Stone, Lisa Stone Killmon or Lisa Killmon - Bernhard or Lisa Killmon to believe that they reside at my property.  They are no longer tenants at North Mitchell Place, Little Silver, NJ 07739.  They never owned this property and their tenancy ended.  I do not have their forwarding address.  I do not want any other injured parties believing that they currently reside at my property.  This information is for updated clarity.