We also have a small business, that WELLSFARO talked us unto using their program. Then after we signed up we found out FIRSTDATA was the machines provider. Thinking we had no other choice, w signed the paperwork. Then a few weeks later, we received another statement saying we had to pay for insurance on the leased machine. After a year of fighting, we canceled with WELLSFARG, but FIRSTDTA will not respond other than billing us with a collection agency for $1443. sound familiar? It's the same charge another customer was given! And YES! they have ruined my personal credit. What’s stopping them? I have tried everything, I even tried to put a note on my credit report and it still hasn't posted as of 90 days later. Please, if you are experiencing these situations, check your credit, dispute the fact, and try to put a comment. Otherwise, you will be ruined.