Consumer reviews and reports on scam companies, bad products and services
Bankcard Alliance Payment
Bankcard Alliance Payment Solutions Keith Symanski Top Edge Solutions, Merchant Services Scam Huntington Station , New York
16th of Mar, 2011 by User321067
If you are considering Bankcard Alliance Payment Solutions aka Top Edge Solutions aka Keith Symanski ****PLEASE READ THIS FIRST**** I have been a small business owner for 23 years. Anyone that owns and operates their own business knows that salespeople for the most part cannot be trusted, thats something that comes with the territory. I am making this complaint to single out one "company" or to say it better a one- man scam operation. We were at the time in the process of analyzing our merchant service provider and looking to save some money where we can due to the bad economy and such. During the process we came across this con-man. He presented us with a "written proposal" which showed almost a 35% savings from our current company. We talked to this Keith Symanski several times and he was convincing in showing us how we would save money as well as how he could offer superior service. Once we finalized everything we realized the mistake we had made. Come to find out nothing was as promised. 1) As far as the savings promised, none was recieved. In fact we ended up paying close to double what our previous company was charging. 2) Keith portrayed himself as a direct processor. He told us he was giving us a "wholesale deal". Total BS. Come to find out Keith is a middle man, brokering our account to a 3rd party. 3) Keith told us we were under no contract and that we were not obligated to stay with "him" if we were unsatisfied. Again TOTAL BS. Since he is only a broker, the 3rd party we ended up with had us locked into a 4 year contract, with a penalty of over $1300 if we tried to get out of it. Also Keith failed to show us the whole contract. When we signed documents with him, he presented us with a 3 page "agreement" and convieniently failed to tell us that there was actually another 26 pages to the CONTRACT. This we never saw whatsoever. 4) As far as the service being superior, HAAAAA big laugh on that one. It sometimes took up to 4 days to receive our batch deposits to our bank account. 5) Also we quickly found out that basically Keith Symanski and his fake company are nothing more than a fly by night. Once we were active with the 3rd party he placed us with, all of the sudden none of our calls were answered. 6) We were in need of new new equiptment at the time. Keith quickly told us we could be given a free machine. We agreed, not knowing that in fact this so called "free machine" was actually a lease and were also bound to pay 69.99 a month for a piece of crap for FIVE YEARS!!!!! I have since been doing personal research on this con artist and have found that Keith Symanski has a criminal record a mile long. Not surprised in the least. We have filed fraud complaints with the state attorneys office and have since overcome the scam he brought on us, but I write this as a warning to anyone that encounters this low-life and considers doing any sort of business with him.
3274 days ago by Infofiend
I am the individual being misrepresented in this post, and before the reader takes this post seriously, please know that this is an absolutely false report ONLY written in response to a report I made about a real scam company on ripoff -
Because this is the exact same report, and the ONLY negative report EVER written about myself and my company, I ask that you please, and in all fairness, read the response I wrote to the original place this fake report was posted, on ripoff report's website: (and there still to date is NO filing made against me or my company with the state attorney's office, as claimed in this report)-

Here is my original response:

I will say this to the reader. Not one detail in this report resembles even one of our active accounts. I would invite the writer to explain more facts about this post, without revealing any details about themselves, so I may find access to this disastrous situation of an account, if it were in fact real... Which it absolutely is not. It is a lame attempt by my competitor to slander my name and the name of the company I work for.

I also will say to the reader that we are a strong supporter of Ripoff Report, and have recently written a lengthy report about a certain individuals business practices and scam business model. My company, hasn't been operating as Bankcard Alliance Payment Solutions since the end of November 2010, because we found there to be another Bankcard Alliance in Connecticut. So we changed the name because of this. About the only thing the writer got right was that we are a Registered Agent of multiple processors. That means that we have numerous available companies to channel your account through, and the account will absolutely be with the name on the application that we suggest for your business.

This is a bogus attempt by one of our competitors as a ploy to fumble the consumer. I apologize for it's existence, but the reader should know that besides the writer knowing the details of what goes into a bad contract, NONE of those can be applied to ANY of the accounts in our portfolio. I don't have ANY leases PERIOD that are active with our company, nonetheless any that are priced at $69.99. Nor does ANY leasing company approve a lease without verbal authorization from the owner as well as a contract, so that doesn't make sense either. And NONE of our contracts are of a 4 year length for processing and we don't know ANY leasing companies that do 5 year lease terms, and definitely don't have any relationships that allow us to write a contract of that length. Oops, I shouldn't have revealed so much.

If this is a serious post, excuse my sarcasm, but I would be happy to help with any misunderstanding that you may be under, and I would expect that this would have already been brought to my attention from one of my ISO's, or the leasing company who would have definitely had a problem with this, and not by one of our referral partners that just happened to be looking up our OLD company name for something completely off this subject. So again, if this is a serious post, please contact the Processor we arranged your account with and/or the leasing company that we supposedly "sneak signed you for", and they will happily give you our contact information, as we are Registered with every ISO/Processor we represent.

But until then, I would ask that this post be disregarded by the reader as fraudulent. Not even the state they supposedly filed a lawsuit on us in was stated here? Another thing that was not brought to my attention by anyone.

Please list at least the Processing Company that we set you up with, or the state you are in, or ANYTHING of detail that could lead us to believe that this is a REAL CONSUMER, I will be happy to continue to monitor this post, and clear up this misunderstanding. But again, NOTHING in our portfolio resembles this account, and not one Merchant has left us this month or last, so... I can not credit this as a real complaint.

P.S.- I challenge anyone to produce a "rap sheet" on me "a mile long", or PERIOD! Shame on you for the attempt to attack me personally for presenting facts about your company. No one I have ever written a report on, which is who I assume you are (MAUI), was it ever made to be a personal attack. It was strictly based on your deceptive sales tactics that I exploited in my posting. Funny how all of a sudden, we are the "bad guys", in a report 2 weeks later?:))

I would assume with all the contact you attempted to make to fix this problem, it shouldn't be a problem for us to know more about your account in an effort to qualify it exists. And at this point, we will answer all serious responses on THIS post, until we can verify your situation is even close to being real. As you should still be stuck in that bad contract and lease and should be desperate for a solution.

Nice try David.

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