TransTech Merchant Group review: Credit card Processing 40

I have had a terrible experience with TransTech Merchant Services.
I posted my experience to www.transtechinfo.net

I had to close out my company bank account to get them to stop charging me fees.

Do Not Sign Up With Trans Tech Merchant Services! You will be sorry.

Tom's Golf Carts
Sneads Ferry, NC 28460

They told me I would not get charged for 30 days and it would be $50.00 a month. My machine first went to the wrong address, then when I did get it the machine did not work, with in 2 weeks they took $70.94 dollars out of my account, the reps boss avoids my call but will answer when I use a different phone. Now they tell me that I can not cancel and owe 27, 000.00 dollars. I still can't use the second machine they sent out. How can the small business's get anywhere with companies like this. I switched to wells Fargo and closed my account with the other bank so this company can not take anymore money from me, but now my credit is in trouble. can someone help us small business's that are being scammed?

I used This company for 2 years and they ripped me blind and the last straw was when they withdraw of funds that caused an overdrift to my account! So this is what I did and I have had no commucations from this company since. My bank was able to reverse to funds that they pulled from the accoumt before processed and then I closed the account on the spot ! I called the man that his name was on alll the contracts from the bank and asked him how he slept at night and explained to him what was happening and called Attonery Generals, BBB, Fede3ral Trade Commisson and to this day I have not heard another word from them and I better well not Because all they do is rip off people! Knock On Wood!

I would rate Transtech as a "Zero". They are a true Rip Off. They have charged my account over $1600 but were never able to process 1 single transaction. I had 3 accounts with them and canceled all three within 30 days as per contract. But Transtech delayed entering the cancelation and it required 3 separate follow-up calls to finally get all three accounts canceled it was obvious they were trying to stall past the 30 day trial period. They have also charged my account with several equipment charges for the processing equipment but have refused to send any return authorization information or address to send the equipment back. I don’t dare send it back without some return authorization of confirmation because I am certain they would claim it was never returned. At this point Transtech has cost me almost $2000 in fees and I cannot confirm that that can actually process credit card of if it is all a scam and the equipment they sent me actually works or they sold me faulty equipment that they nerve intended to allow me to return. When you call them the only resolution they will give you is that your complaint will be turned over to their “Dispute Resolution Department” which must mean they throw it away because I have never heard a word from their “Dispute Resolution Department” and they won’t let you talk to them directly.

This company telemarketed my cell phone and then got rude when I asked who they were!?!

I had found an ad on Craigslist and applied to it..When it got to the page for the background check, I was like I don't think so, so I left that page and kept looking for a job..Well, the next day someone from the company called me and said that I was hired and I just needed to do a day of training and then I would be all set.. I sat thru that miserable 8 hours of training where I didn't learn a friggin' thing and was told that I would be starting appointments the next day around my home town. I didn't feel ready, but I decided to give it a shot..I just started the "set" appointments yesterday which is the biggest pile of BS ever..None of the 8 appointments I have been to today or yesterday even knew who the heck I was.. Well, my neighbor who owns a little meat store happened to be one of my appointments today..He wanted to switch companies to help me out, but he wanted to talk to his wife first..My team leader made me fill out the application for him without his knowledge..Info like his name, address, number and everything and even made me sign it..I came home and told my husband what he made me do and he said, yea you're done with that job and I totally agree..I called my team leader and told him what I had read and he said it was other companies trying to bad mouth them..I have decided that I value my neighbors and friends more than trying to scam people..I can't beleive they try to make you fill the apps out without their permission..It's crazy!

I haven't heard anything back from the police yet. I don't know if they can even do anything. I am about to go crazy worrying about this. They are still trying to take money out of my acct. I closed it so that they can't. This has made me never want a debit machine now. This man should have told me everything, but he knew if he did that I wouldn't sign with them. These companies need to be put out of business. I am not going to stop until they are. I need everyone that has been scammed by these companies to please respond. I need to know what to do now. Can you help me?

tngirl42 and anyone else harmed by transtech, please take a look at my blog located here: http://deceptive-creditcardprocessors.blogspot.com/. I just started it yesterday, also take a look at a page that I put together for another credit card processor similar to Transtech at: encorepaymentinfo.info. I am a Merchant Advocate and I am very familiar with Transtech; they are owned by a company that has strong ties to Certified Merchant Services; the first ISO to be sued by the FTC. In 2004 they sold their company to First American Payment Systems to pay their $23.5 million dollar judgement and the owners brother, Andy Frankel became president of the company that owns Transtech. I am an industry expert who spent time in the business until one day I woke up and realized that there was more bad going on in the industry than good. I have relationships with Media, FTC, and Lawyers. Please utilize my emails located on either site and contact me about your situation. I will do everything I can to get you pointed in the right direction. You are all right; this has to stop; and the sad thing is, a very high percentage of ISO's out there receiving complaints similar to this all have ties back to one another. You have a voice, please let it be heard.

I am a new business owner. I wished that I had read all of these comments before I let a sales rep. from TMG by the name of Tom Shefler in Rogers, AR. in my business. I told him flat out that I was doing fine without a credit card machine and that I don't want one. He came back the next day, sat down and started filling out a paper and asking me questions. I again told him that I don't want it. He said lets just see if you qualify. He said you can cancel in 30 days. He didn't even tell me about all of the fees. I had to keep asking him if there was a charge for the card reader. He finally said it is 99. a mo. I said I can't pay that. He called someone on the phone and asked him to go down on price. They went down to 30. a mo. for a wireless machine. I told him that I can't pay that either. He said well we will put that down on the paper so that we can see if you qualify for that much. I said well I still can't pay that. He asked me for more info. so I gave it to him so that he would leave. The guy on the phone said I will call you on Tues. after you have had time to think about it and see if you want it if you qualify. I said ok, but I am telling you now that I don't want it. He never called. On Wed. I received the debit card reader in the mail. There was no name on it so I opened it not knowing what it was. I left the box on the counter because I got busy in the store. Not long after I received it the man named Tom Shefler walked in as if in a hurry. I asked him why do I have this. He said it is for your free trial. I told him that I don't want it. He asked to use my phone because his going dead. He grabbed the debit machine and called and activated it with my phone. I was busy with several customers and wasn't paying attention that he grabbed the machine. He brought it to me and said ok it is activated and you can start using it. I said I told you that I don't want it and I don't even know how to use it. He said read your manual then he left. It only got worse from there. On Mon. I noticed that my account was overdrawn because they tried to take $38.10 out. Then a few days later after I had closed my acc. they tried to take out $37. I called the bank and they were able to get me a phone number so I called and the girl was very hateful to me and told me that I couldn't cancel. If I do then I have to pay $2, 000. She said that I am locked into a 5 yr. contract. I broke down crying. I was not told that there are two companies to deal with TMG and the leasing company. How can things like this happen. How can people get away with this. This man claimed to be a Christian when I asked if he was telling me everything and not trying to scam me. He is a liar and a weasle. I can't believe I was so stupid. I am having panic attacks constantly now and feel as though I am going to have a heart attack. I filed a police report. I will go to every tv station, radio, newspaper, internet letting people know about this man and this company. I will not stop. Please if this has happened to anyone else let me know. We all need to get together and stop this. They also scammed the company next to me.

This company has been a nightmare to deal with and their BBB rating exemplifies their poor service. They operate under the Transtech Merchant Group and First American Payment Systems, avoid this company at all costs. We sent a letter ending our service after our 3 year term but were informed that another year had kicked in. We signed our original agreement 4/1/08 and sent our letter 3/1/11. We also stated that we would like the service to end 4/1/11. They disconnected us 3/15/11 and left us without a processor and charged us a $595 cancellation fee. Why would a company try to force a unhappy customer to remain with them is beyond me.

Hello Merchants, I am sorry to read about this situation. I am NOT a TransTech sales rep but I am a merchant credit card processor and I know all to well about the pain of going with a company were it "sounds to sweet to be true" . I see it all the time where I have companies out there that will just say anything to close a deal. The one thing in this cut throat business that stands the test of time is customer service and being accountable for errors. When my customers call in someone answers the phone with a "hello" how can I help you, NOT an automated service and the person on the line will not only help the merchant but if there is an error they take responsibility for it and a 24 hour turn around on a fix. In Arkansas we have a 50.00 dollar cancellation cap meaning the most you can be charged is $50.00 dollars and I strickly go after a company that tries to jab ($495 close fee) my merchants during the switch over. I hate shady buisness practices and this is a prime example, if we can help you get your rates in line and help you shake the "TransTech" blues please call us [protected], I know ---> I am taking a risk by posting my buisness phone number but I also know how over whelming it can be. My name is Teena and I am ready and willing to help!

Just cancelled with Transtech and wish I had read most of these messages before I cancelled. I own my equipment, never leased it or rented. I cancelled my account after being with the company for over 4 1/2 years. Transtech withdrew $495 dollars out of my account because I cancelled before 90 days of my "anniversary date" and without giving them 30 days notice, something that they convienently neglected to mention to me at the time.

i love the fact that they have taken it to a higher level, ive had all the rest, TMG service is outstanding!

I closed my business in june 2005 and was determined to close all accounts with a good note. I payed trans tech over $2200 by phone the day the rep and I discussed the termination of my business. Today dec 28 2010 I was doing a free credit report and noticed that I have a $699 judgement on my credit file for not paying the processing fees on my merchant account! Never recieving a letter or phone call I am scratching my head, I called and cannot get through to speak with someone at trans tech, However the lady at the collection company said that there was no way to find me to discuss the problem.I have not changed home address, phone numbers, nor my name so this is a crock of bull as all of my personal info was used to get the account set-up including my ss#. I could just explode right now!

Transtech Merchant services screwed my business more than once by not proccessing some large charges I had ( One for $6K and one for $7K ) on my machine. Card swiped, customer signed. When I spoke with ' Risk Management ' they had determined that I could only charge $1200.00 per day, per card holder. I have NEVER had a charge back in 3 years, and had run tickets of $2500.00 on numerous occasions and got paid for them. I run a European auto repair shop, $1200.00 barely covers a brake job on some cars. How can I grow my business with a crap credit card processor that won't allow me to collect ! When you call them, it's like talking to a brick ! They stonewall you and tell you nothing other than you're [censor]ed and they can't/won't do anything for you! The worst company EVER ! I pray for the day when all TMG's employees will be in an un-employment line ! DO NOT USE THESE SCHMUCKS, they will ruin your business and agravate your customers !

I was in the car business for about 3 years prior to switching to this company. I have only been with them for just over 2 months, but can tell you that what I witnessed within the car business was a lot more scandalous than anything my supervisor ever asked of me. I do not lie to, cheat, or swindle any of the merchants I have signed up. In fact I have actually built good report with many of the merchants I have signed. If you, as a merchant, are just going to sign away to a legal binding agreement without knowing exactly what you are signing, then the term "buyer beware" must not have ever been taught to you. I take it upon myself to educate my merchants on what is going on. I have never had a single complaint about this company. In fact, look up the other processing companies such as First Data, PNC, Crescent, etc. There are going to be horror stories just like these from merchants who didn't read the contract, look over any of their paperwork, and let these unethical salesmen to rip them off. Blame who you want, but an educated person is not one you would find on here complaining about how they were misled by a sales rep. Think about that next time you buy a car, sign any legal binding contract, or do anything business related.

I signed with another processor and I just found out about the auto renewal with this company and I have never seen that portion of the contract, yet it has my signature on it. I was leaving this proccessor specifically because of the scandelous business practice and the rude, snotty customer service. I will chalk up the 305.00 that I will loose, to a learning exp and will cancel my contract according to there terms and run like hell! I will even go as far to change banks the day after.

I am a small merchant who was taken by TMG. After being with them a little more than a year. They took money out of my account without my premission. They say that it is for a PCI compliance fee. My company is small and I was shocked to find out that the money was gone from my bank account. I called TMG, they said they had sent me a letter explaining the PCI compliance fee. I never received a letter. I terminated my contract in writing. They have sent me several letters demanding early termination fees from $371.oo, 517.00, 612.00 and now they have turned it over to a collection agency and it is $1106.00. How can they just keep adding more fees. I haven't done any business with them for around 6 months. Is this legal? How do I get out of this mess before I owe them a million.

after reading all the comments on here. I can't believe these companies are still in business. I was taken by LFG based out of Chicago. I have been arguing with this company about my lease since Feb. 2010.
I told them I didn't even know I had a contract with them. I guess with all the signing these reps have you do, I didn't notice the one from Lease Finance Group. Funny thing also, when I looked through all my paperwork, I was not given a copy of the contract with them either. This way I was not able to void the contract. I was set up to have a contract for 2 years but lease finance groups contract was for 5 years. These pages were not given to me. I wanted to cancel my account in Feb and was told then that Lease Finance Group had me for 5 years instead of 2. Then I was called by Lease FInance Group to make payments. When I told them I would not pay they insulted me by calling me stupid, harrass me daily by phone and by mail and now are threatening to sue me for non payment. In Feb I was asked to ship their equipment back to there NY office if I didn't want to make the payments. I thought that if I sent the equipment back they would stop harrassing me. Ha, They still want me to pay the remainder of the 5 years whether I have their equipment or not. I asked them to send me a copy of the contract that I didn't have, so they did. It does show I signed it but it is not dated on the copy I was sent. When I called on them and said the copy I signed was not dated and it was void they told me that they have a date on their copy. How can my copy they sent not have a date and their's does. Something kind of sounds like tampering with the contract. I know I probably signed the document but I also Know I would not have signed it if it had 60 months on it instead of 24. Since I never was given a copy with all the other paperwork, who knows when the 60 was added. I aslo was told that I could get an affidavit from them stating fraud. I waited months for this document and never received it. I asked this week when I was to get this paperwork to file and they told me they don't have any such document. When I asked for the rep that told me this. Well he no longer works for them so I am SOL. Has anyone out there come up with any solution to get rid of this [censor]?

I also have the same problem with this company . they want 1300 from me

they just contacted my store and some phone guy was trying to bully me so they can look at my card machine i continued to tell them no and he hung up saying that they are still sending a rep to my store tomorrow. so i am calling the cops.look out people SCAMS!

This company sold me equipment that failed in under half a year - no idea why it was a hypercom blade it is wireless and has a battery system to allow me to take it to jobsites so customers can pay me with credit cards. So they told me I needed to pay $200 to replace the leased equipment. I gave up on their customer support which is a complete joke and called their main office in fort worth, texas and managed to get through to one of the owners of the company next thing I know I get a phone call from a supervisor that sounds like he had a fire lit under his a.. to do anything to shut me up. They replaced my equipment free of charge got me back up and going after being down for over a month. That was March. Now here comes June their replacement termial is now giving me an error - it hasn't even left the shop or the charger it isn't even 2 months old and they are telling me to pay $175.00 to send it back to them so they can reprogram the terminal - but they didn't "capture" my transactions I have made so that money is lost. So basicly I am looking at loosing quit a bit of money on shoddy equipment - I don't think the rep knows about the equipment being horribly poor so I don't hold it against him I believe the company itself is a sham and I will be bringing this to the attention of a lawyer as to what recourse we have agaist TMG transtech merchant systems and the other 7 names these people go by. Very bad ethics as a company and they are also using people to sell this bad equipment and the sales reps are caught up in the crossfire.

It's not the rep its the company the rep was just doing his/her job the way they were told to do it. We can't shoot the messanger so lets nuke the company.

I was recruited to work for this company and I believe that just about every part of their business dealings are unscrupulous.

I found them on Monster.com and applied through the site. Within 24 hours I received an email stating that they were interested in setting up and interview if I was still available. I called the number that was at the end of the email. After doing an initial phone interview I asked when the interview would be and where. The rep I spoke to then informed me that there will not be another interview. I then asked about where the training would be held and was told that it would be an online one day training class.

Okay?

Then I was informed that the training is tomorrow and I need to fill out some paperwork so that they could run a criminal history check on me before I can take the class. The forms were emailed as the body of the email. No company logo. The instructions were to hit reply and fill in the fields. RED FLAGS went up at that point.

ANY company that deals with payment processing or any sort of secure transactions, SHOULD know that this is a MAJOR no no! You NEVER send confidential information in that way. I couldn't possibly work for a company that is willing to put me at risk for identity theft. I can only imagine the risk they could possibly cause to their clients.

AND then I find all of these reports on this site and a few other rip off/consumer report sites...Not to mention the BBB.

STAY AWAY!

I signed with transtech on March 18, 2005. After 4 years of poor service, overcharged fees, I attempted to cancel in March of 2009. I was told then that I would have to pay $495 in cancellation fees of continue the monthly fee of $34.95. The lady told me to turn in my cancellation notice on March 1, 2010. So I do exactly what the rep said. Today a rep calls and said that in order for me to give a 30 day notice, I will need to send in a letter no later than Feb 22, 2011. He said that my contract began March 22, 2003. Funny! I have my contract in front of me and the dates he gave me are in fact wrong! He said he can cancel the machine for a fee of $595. I am so frustrated! I have already paid a year of fees and an additional $175 that they debited and I no longer even use the machine! This company is fraud. I have been in business for 15 years and I have never had a company be this difficult to get out of a contract! Buyer beware!

I have been processing credit cards with Transtech for more than 5 years. I have purchased my credit card machine so there was no lease agreement from the beginning. Recently, A representative from Transtech/CPP/First American Payment Systems told me over the phone that I need to upgrade my current credit card machine because it was not PCI compliant, and said there could be a fine upto $10, 000 if I do not upgrade. I was convinced that I had to upgrade my machine, and I agreed to upgrade. Now, I am stuck with a new pin pad and a "non-cancellable lease".

I am distressed that I have agreed to an unnecessary upgrade that placed me under a lease agreement.

Please visit www.saveyouamint.com

I just finished training with TMG Friday and a little yesterday. I went to 2 appointments today, the first had a wrong address and the other I rescheduled until tomorrow morning so the owner would be free. I am still feeling my way through this and reading these comments is helping me to make sure that everything I do is upfront and honest. I have been in sales for the last 20 years but never this type of sales. However I did own my own retail business for 4 years with high ticket items. I know that what I was paying (with another processing company) was really expensive and when my store had a fire and I was out of business I was still required to pay the monthly fee for the machine (insurance didn't pay that). I really don't think the fees I was paying were any different from TMG, I think there were very similiar and it was a very well known, Nationally known, company.
So, I am not sure of anything just yet but these posts, as I said, will help me to remain on top of my game so that I don't do anything unethical, dishonest or unfair.

best of luck, btw gregg abbott is not my states attorney

ok here goes,
I know trans tech has a lot of bad press out there, i can say i have been with them for 3 years as a rep, i have never been told to lie, cheat or steal from a merchant, i always make sure the merchant understands the terms of the contract before it's signed by the merchant. We are one of the only merchant services providers that actually gives you a 30 day grace period to back out of the commitment, every other company is sign and you're locked in. I'ts like every other industry, you get some people that misrepresent and lie to get ahead, I know my parents raised me better than that. I make a good living without decite, maybe I have work harder than the dishonest reps but I can sleep at night. I get a lot of referals from my satisfied costumers they are 20% of my sales, do you think if we were as bad as all the press I would be getting these referals...a referal is biggest compliment you can recieve. Check out other companies press, it's all the same, all about dishonest reps...we're NOT all like that

Everyone here has complained about this company, but no one has said what they have done to get out or even if they did get out of their contract. I just got scammed myself, and the rep lied about everything! The bottom line? I signed the contract so its legal and binding.. and they got away with it! Now, what are the merchants to do about this except to put up with this crap? Its not fair, and all I get is "didnt you read the fine print lady?" ...So, what are you supposed to do ?

Reported Nov 13, 2009

My business has used Transtech Merchant Services to process our credit card transactions since Feb 2005.; They have always charged high statement fees but until trying to cancel the service (moved to PNC merchant services) they have been nothing but a headache.

On Nov 5, I faxed my cancellation letter. Nov 12 at 8 pm ET (we're not open that late) they called about "discrepancies" in my letter. I called today at 2 pm ET. After the usual 10 minute wait for someone to answer and then the 3 or 4 more minutes to be transfered to the correct office. The person who called didn't bother to say what dept they were from or what # to press to get to that department, just an extension that doesn't work.

When I did get an "account agent" I was informed it would cost $500 to cancel the contract. I asked where in the contract does it say I'd be charged $500. The contact, paragraph 27 says "to be charged no less than $300 to cancel." I now realize that can mean they can charge you ANYTHING they want. I was given the option to cancel today and pay the $500 or cancel in Feb 2010 and pay $36 a month in monthly fees for Nov, Dec, Jan & Feb. Guess which I choose?

When I questioned the account agent about the charges, her tone became increasing agitated and forceful. Then she broke into a ghetto-accent. Obviously asking where it says in my contract I have to pay a monthly fee gets an account agent angry.

I asked for something in writing from Transtech of which I was told Transtech does not nor will provide anything in writing regarding this phone transaction. The call they made on Nov 12 was merely a courtesy. They could have canceled the contract on Nov 5 and charged me the $500 fee, according to my lovely agent. My language in the Nov 5 said I was not renewing the service. I guess that means the same as cancel IT NOW even though the contract expires Feb 2010 and I have to give you 90 days notice, which I am doing.

Be careful of how you word your cancellation letter to ANY credit card processing company. They'll screw you any chance they get. At least Transtech will. Plus the ghetto attitude is always a nice touch in a business environment and the unwillingness of a business to put a cancellation acceptance in writing.

I have been working for the company for 2 months now. I was not given adequate training and I did tell some people things that weren't true. It's not that I was literally lied to by the company, but I wasn't given ALL the information. I absolutely hate thinking that I misled someone and have even offered to take money out of my own pocket for a couple of businesses that I became friends with the people. But, now that I do know more and more of the actual #'s, I still sell with a clear conscience. Maybe not as much as my superviser would like, but I do still make sales. Please contact me if you work or have worked for TMG as I would like to know more about the company and I would like to know what these merchants statements look like at the end of the month.

After 4 years of working with TransTech, well beyond my contract obligation of three years, I called to cancel and move to another processer. I have called on several occasions to complain about increases to my fees and asked them to be competitive with offers I was getting from other processors. They then told me I would have to pay a $595.00 termination fee. I asked "for what?". They had no answer except that I have to cancel effective on my aniversary date in order to avoid this fee. Evidently, if I had canceled my three year contract I would have paid the same fee as canceling my automatic one year extended contract.

Beware of this company as you would be with any credit card company. The industry is full of crooks and theives and their contracts are full of "gotcha clauses" designed to force you to stay with them reguardless of their service/performance.

well i am a young man and i am jobless i came across this company on a website that they were hireing for reps and i have sent in an app. for a position and have training on mondy but ran a criminal background check on one of the "recruiters" and he has criminal charges agains him in the year 2009 should i back out of this before i even get started and make a report cuz these guys have my address social and everything in that matter someone please reply

I have been in the industry for a few years now and have work for multiple companies selling processing and to be honest the only one that allowed me to treat my Merchants with fairness was TMG. I will admit there are a lot of bad reps out there but that is true for any industry/company. I have had other reps fired for misleading people but as a whole they do what they can. Yes you will find horror stories about $99.95/mth for 5yr leases and that is the "first asking price" I have NEVER tried for that I ONLY go ether $49.95 or $45.95/mth max if its not a buy out of the terminal (much better idea for the price). The idea of annual fees I also never charge those they do get waived as well as the application fee (never charge that because if I do 100% goes to me and if I did my job right then I will still begetting at lest $200 for that deal the most I have ever got of one deal is one that was $450 and that's because it was self gen. and that mint that the $200 that would have gone to a appointment setter was mine to clam and it was still my usual bottom out deal were I would normally only get $250. So no not all the reps are bad in fact most are honest folks that are just trying to feed there families. So don't think that all reps are bad because of some bad apples.

Also a pinch of common since if the stories of the "contract violations" and the "federal regulation violations" were true even 1% of them TMG would have been shut down by the Feds and it Officers in jail. Just remember that any rep for any company can add there ideas of what they wish were true about TMG just so they can have bad PR which is why I am here this is were my current employer sent me to do just that but I refuse to do so. Also seeing it is not there "standing policy" to do so its just what they tell everyone to do unofficially to keep there jobs ya it could add up quick.

So beware of the Doom Sayers because if it were as bad as they want to to believe the company would no longer exist.

I too am trying to cancel after completing a 3 year contract that was automatically renewed for a fourth year because I failed to give 30 days notice. I am hoping to report them to someone who can police their bad business practices.

I had a similar situation. TransTech did not accept my application, and changed the contract. When we started using the service, they changed the contract from 1.46% to 4.2%, plus $0.12 per transaction to $0.27 per transaction without my authorization. Now they want $595 to cancel, and the contract states $495. Furthermore, they will not honor other parts of the contract, such as paying for the cancelation fees from the previous processor of $260.
This company is a complete scam!

i work for this company for long time now tmg has thought us not only to rob coustmar and our agents also
rob is th key word in this company

NEVER TRUST THIS COMPANY. The Reps will tell you all the savings you can save, but its just their way of getting financial info from us. My account wa never activited and started noticing that i was being charge $7 debit fees ++$57 Merchant fees monthly. I did talk to the reps but was told they will charge for cancellatio. WORLD how is it possible when in the first place my account was never activated. I lost almost $1, 000 in this SCAM, WORLD BEWARE!

I had the same problem and they want 450 dollars to cancel mine. Larry, Blose Tool Repair