Paramount Payment Systems

Revdex.com:
I have reviewed the response made by the business in reference to *** ** ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I see the details that the business is providing and some are correct However it does not change the fact that the seller lied and tried to deceive me so that I would sign the contract As I stated and the business confirmed *** and I went through each line of the agreement and we read them together because legal and document wording like this can often be very tricky I would tell *** what I read and questioned the meaning of it For example the with the $and $per month payments I asked him directly why there were payments here, when you had told me there would just be one He told me that it was either one payment or the other depending on whether we used the service or not $if we used their services that month and $if we did not He told me not to worry because eventhough it looks like that under the legal wording this is what it means This was a complete lie about the program and the fact that the business seems very unconcerned with the fact that their employees are tricking people to sign pup are very concerning as well I am not asking for any money back that I was tricked out of just out of any further obligation that to stay contracted with something that I was tricked and lied to to sign up.***
*** ***

I am sorry for the confusion that *** *** had over the program he purchased Based on his comments he made, it was confusion, and unfortunately was confusion on his part.*** *** stated, "I am not sure if something changed with the calculator but I was never under the impression
that it would such a high initial amount." Nothing has changed with our online calculator (found at http://paramountpayment.com/merchant-access) where anyone can plug in the numbers of their own contracts and see exactly what is charged and where As *** *** stated, our sales person went through the calculator with him and he did explain and show exactly how the program works with real numbers Based on *** ***s initial comments it seems he was pretty excited for this program and may have overlooked the reality he was being shown for the assumptions he had already made.*** *** also stated, "We went through the contract line by line." If that was true he would have clearly seen that he was signing two separate contracts A Lease contract that plainly states that it is charged every month for the equipment he purchased, and a finance contract that does speak of a $minimum Again, since *** *** said he went through the contracts with our sales person "line by line" he may have overlooked what was reality for what he assumed. These Revdex.com complaints are always unfortunate and thankfully we have a record of 99.5% of our customer's who are happy and well informed To his credit *** *** exhaustively explained how our sales person went through "Everything" with him and answered "Every Question" he had, even going through the contract line by line Based on *** ***'s comments I believe our sales person *** went above and beyond with his service by trying to make sure that *** *** was fully aware of everything he was signing Also based on *** ***'s comments, the only conclusion that can be drawn as to the reason for the negative comments here is because of confusion on *** ***'s part

Ms, ***
You signed contracts. One with Secure Payment Systems who is the company that has been charging the $minimum per month. Regardless of what MrS*** may or may not have failed to mention all the monthly fees are found on the 1st page of the SPS
contract you signed under the heading "Monthly Fees" and the minimum is in large bold letters showing $per month. We can cancel this contract today and have the $for every month that the system is not used, cancelled
The other contract you signed is with Lease Finance Group which is the company that is leasing their equipment to you. The Lease Finance Group contract we cannot cancel. As you may note on the contract you signed, LFG states on the top of the first page of their contract in large bold lettering "This is a Non-Cancellable Contract"
To your second issue. Whether the SPS program is credit based or not... The marketing material that was sent to you from Steve states "Credit Score not a factor". This is true. If you assumed that there is no credit check, that was a bad assumption. A credit check is performed, not to assess their score, but to see if the customer is more than days past due on any bill. If they are days past due, then they don't qualify. Whether they are days past due or not their credit score is not a factor. Like Steve said in one of his many emails, "The SPS program is based off their ability to pay, not their credit score". Looking at their past due accounts allows SPS to determine if the customer has the ability to pay. The SPS program IS NOT credit score based. it is days past due based
With this said, we still believe that the SPS program will work for your business if it is used. Since you have had the system we are showing that you only used it once, this is surprising especially based on your comments to Steve of how good this program could be for your business and how much you could use it
Many times customers purchase the program and the equipment sits on their desk. Some of these customers act as if the equipment should jump out at all the customers and market itself and sell itself. Many merchants do not advertise the program, market the program or discuss the program with potential customers. I don't know if you fall into this category or not but either way, we would be happy to retrain you and your sales staff on using and talking to customers about the SPS finance program
Feel free to give me a call any time
Regards,
Jared M***
Paramount Payment Systems
208-794-

This customer is correct in the way their account was mishandled.  After speaking to our customer service manager he admitted that he made the initial mistake of giving the wrong year of the contract end.   To make amends as best he could he was able to delete the customer's monthly...

minimum as he wasn't using the program which left him with a small statement fee.Typically we expect customer's to either contact us with questions (as this customer did) to which we will answer to the best of our knowledge or for our customers to refer to their contracts they signed.    As this was our fault for giving incorrect information we will take the below steps and hope it will finalize this issue with this customer.--We will cancel the merchant's merchant processing account today 3/20/17.--Paramount Payment Systems will pay the ETF (Early Termination Fee) on behalf of this customer to formalize the completion of the contract with the credit card processor.

At the time of the initial sale while welcoming the customer to their new program, the customer sent us an email on 7/31/15 stating that he had a document from the contractor who sold him the program giving him a 6 month trial.   Below was our response on 8/4/15.I understand your...

situation.   To answer your question in regards to your sales agent, [redacted], he is a private contractor under his own company who resells our products, similar to a local tire store reselling [redacted].  In our paperwork you will note in the first paragraph or two of the lease agreement that as a signor you cannot accept or agree to any other agreements outside of the lease.   A document was also signed stating that it was understood that the lease was a 48 mo Non-cancellable lease.  In our paperwork we try to make it as plain as possible regarding the nature of the lease being signed. However if [redacted] initiated an agreement outside of the regular paperwork it is he and his company who will have the legal responsibility to stand by that agreement and refund you and your company.   
[redacted] With all of this being said, we know that our program works and can work for you.  We have many [redacted] using the program several times each month in various states across the country.  If you need assistance setting up a program or selling the program we would be happy to set you up with our customer support to walk  you through and potential and firm sales you have need to make.We have not heard from the customer for the last 7 months.    He had an opportunity to contact the sales agent at the initial sale to discuss the information we gave him.  Did he?     Our paperwork makes it explicit and clear of what is and what is not allowed.   I am sorry that even after being told by us, in the above email, that the customer refused to contact his sales person and cancel his agreement but we cannot be held responsible for his lack of initiative especially when we gave him all the applicable information to take educated steps toward a resolution.

I understand that [redacted] is trying to get out of a signed agreement that he admittedly acknowledges having gone through "line by line".   Our customer service manager did try to assist [redacted] as much as he could.  See his below email to [redacted]."7/10 (sent email to merchant
after I reviewed the signed applications)[redacted]Just so we both are on the same
page, Secure Payment Systems (SPS) provides check processing/financing and
Retriever Leasing provides the lease of the hardware (Vx520 & RDM). Both
names are clearly stated on the two separate applications you signed. I want to do whatever it takes
to assist you and I do have some ideas on how to offset some your out of
pocket expense. What I cannot do is break the [redacted]. I
would agree on the possibility you had a verbal misunderstanding on how fees are
implemented. The email you provided from your sales man as proof doesn't lead me to believe [redacted]
mislead you. [redacted] email states " Your fees would be $135.00/month per
location for the equipment and a $5.00 statement fee. The $135 monthly fee to
you is just a once a month payment, no matter how many customers we
finance". Remember, the monthly minimum is not a monthly recurring fee.
Retriever Leasing application does not mention a monthly minimum anywhere. The
Retriever Leasing Installation Verification Report page clearly states the
monthly lease payment and terms. Secure Payment Systems Fee Verification page
clearly states all fees including the monthly minimum. At the end of day, by
you signing the contracts you ultimately agreed to having read and understand
all terms and conditions. The first time we spoke you
mentioned [redacted] walked you through some examples using our finance calculator. I
also noticed [redacted] included a link to the finance calculator in his email dated
Feb. 16th. No matter which "3 month rate" or "Sale Amount"
you select, its clear the "check amount" is 25% of the "grand
total," not the "sale amount."  to help offset cost:merchant services - discount
rate of 0.05%, transaction fee of $0.07 (we offer merchant assessments at no
charge which will provide an apples-to-apples comparison that reflect exact
savings)lower the 3,6,12 month rates by
1% (our cost)7/17 No reply from merchant therefore nothing I can do for him, closing task list. "Even tho we have PROOF (emails from the Sales Rep to [redacted].  Statements from [redacted] himself that he read both contracts line by line.   [redacted] admitting that he was shown the calculator "several times" which clearly shows all rates and all necessary down payments)  [redacted] continues to try to put all the blame on the sales representative.   Based on [redacted]'s own admissions and the proof of emails from the sales representative to [redacted] I would be more inclined to give our sales representative an award for going above and beyond the call of duty.What is hard to understand is how [redacted] tries to equate our sales representative as legal counsel.   If this were something that was even remotely accepted in our society, individuals would be blaming the sales person every time and  getting out of leases and contracts whenever they want which would ultimately render every contract null and void.  The contracts signed by [redacted] do not state that our sales rep understood the contracts, they state they he understood the contracts to which he did sign his name.We are still willing to help [redacted] (see email from our customer service manager to [redacted] above) as stated but we will not allow him out of any contract.

Mr [redacted] was informed via LinkedIn, text message, and email that we are not a telemarketing company. We hire telemarketing companies to solicit business leads for our sales team.  He has been removed from our internal system.  Because we are not a telemarketing company we do not have a DNC...

policy. Mr [redacted] has set up a fake business name, complete with a fake business website and a fake business email address for the express purpose of entrapment of businesses under his perceived DNC (Do Not Call) list laws of which he has proclaimed himself as self appointed lawyer, judge, and jury.  Mr [redacted] accepted the business solicitation call from the telemarketing company we contracted, did not inform them that he was on a DNC list or that he didn’t want to be called but continued his ruse as a legitimate businessman with a legitimate business.  He expressed interest to the telemarketer in our product and was transferred to our company when one of our sales people took his call.   He continued his act of being an interested businessman and told our employee he was interested and wanted an application.  Our sales person emailed him an application on Friday the 12th.  Our salesman did not hear back from Mr [redacted] (who was using the fake name Anthony S[redacted]) and called him on Monday the 15th to ask if he received the application.  Mr. [redacted] continued with his fake persona and informed our salesman that he had not received it and to please send it again.  After the application was sent again, Mr.  [redacted] somewhat revealed himself (never giving us a real name) and informed us we had fallen into his trap and he was going to sue us.  At that time we deleted his information from our system and called the telemarketing company we contracted to inform them of the specific number attached to Mr [redacted] and his fake business. For the rest of t Monday the 15th of Jan we received numerous text messages and emails continuing to threaten law suits and legal action.  He demanded information from us and became incensed when we would not provide it.  It is true that after telling us how we were un-American, how we were going to be dragged into criminal court and how he had “done this 65 times and won every time” he was called a “Parasite on society”. We stand by that assertion.  However although we do believe Mr. [redacted] was/is acting in a very unethical, unrealistic, unprofessional, uncivilized, and lecherous way we do apologize for saying that we would not give him information because he was being a [redacted].  As to the demand for a DNC protocol. Mr [redacted] was informed multiple times that A. Paramount Payment Systems is not a telemarketing company.  B. DNC (Do Not Call) lists only apply to consumers and not businesses, real or fake.  C. That we cannot guarantee that the telemarketing company to whom we are contracted with will not call him again for another business of whom they may be contracted. I ask the Revdex.com to see through Mr [redacted]’s parasitic goal of continued entrapment with the express purpose of creating trumped up lawsuits for his personal gain and dismiss this complaint.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]