Raymond J. Topps Last known working with Retriever Co. CON into a NON -CANCELLABLE LEASE South Holland Illinois

 Raymond Topps is a well documented scam artist and liar. He is nothing more than an outside sales representative of Retriever Merchant Solutions. Call the company president and confirm that fact. He will lie, cheat, and steal from anyone he can. Raymond Topps is NOT a board member or "Senior Advisor" for RMS.

His house is in foreclosure in Western Springs and he is currently on trial for domestic battery and assault in Cook County for beating up his girlfriend while his current divorce is also underway from his wife. Run away as fast as you can from this degenerate.

I could easly get a hold of him before he sold me this.  He called me several times pushing me until the day it was all done and he had me locked in and I never heard from him again.   He's right I agreed because he had convinced me telling me how much money I was going to save moving from my long time provider and the lease was to my benifit.  Soon things went south I called and called and never I repeat never got a call back after the dirty deed was done.  This is the first I heard from Raymond Topps since he ripped me off. I never saved any money at all, it cost me money and how.  

I asked him point blank and I have witnesses that I wanted to purchase the credit card machine and he told me I couldn't.  I should have walked away then. What he was telling me all made since.  Five cents per transation never happened and Retriever never made it right with the lease they acted like they had no clue. I was paying more substantualy more.   Raymond Topps has mastered ripping people off he owes me about $4000,00 dollars extra I had to pay.  Do you think I would willingly want to loose money agree to something that cost me more money. My new provider supplies the credit card machine for free. 

I would like to start off by saying I have been in the merchant services industry for 18 years and have signed up 1000s of small to mid sized business in the midwest and have never had a complaint about how I conduct myself before, during and after the sale.  I have a recolation of this individuals business and I believe he was a weapsons store.

I went through the normal sales presenttion with him and he liked what I had to offfer and I signed him up. As far as his complaint goes its very incorrect. When we sign up a new merchant there is a verfication call that is completed and recorded, and recorded with the merchants cosent. They account manager goes over the pricing and the term of the contracct. Then the merchnat ageees or disagrees.

If they agree we move forward and get them processing with RMS, if they decline the verbal verfication we send UPS to pick up the termianl and close the account. This merchant agreed to everything without hesistation. He agreed to the pricing of 0.25% +5cents + INTERCHANGE, He also agreed to the terms of the lease for a 48 month period. We did nothing wrong, I did nothing wrong.

I spoke with this merchnat a couple months and he wanted to go with a different company because they claimed that tey would save them 100s per month and they would give him a free macine. After being beraded by this merchnt multiple times I did stop taking his calls because I didnt want to be yelled at, also we werent given the opportunity to help him out because all he did was yell at us. I apologize this merchant had a bad experience with RMS and wish we could have helped him more.

We service almost 40K merchants daily and have a A+ rating w the BBB. We have a excellent repuataion in the industry, and so do I. I am currently serving my second term on the advisory whch my 1st term I was elected by my fellow sales rep and this time around I was appointed by the President of the comopany. I am also a group leader of 30+ sales reps on a daily basis. I would noit have these opportunities if I was a liar and a cheat, like this merchnat claims i am. I am a honest sales rep.

Respectfully,

Raymond J Topps III