Consumer reviews and reports on scam companies, bad products and services
Todd McCartney
Todd McCartney, Wholesale Merchant Processing, Wholesale Merchant Services Todd McCartney, Wholesale Merchant Processing, Wholesale Merchant Services
6th of Mar, 2011 by User285428
THE TRUTH ABOUT TODD MCCARTNEY 11000 SW Stratus Street, Suite 150, Beaverton, OR
97008 Todd
McCartney’s business websites http://www.wholesalemerchantprocessing.com http://www.wmpagent.com http://www.buildlifelongsuccess.com http://www.wmphq.com http://www.wholesalepromo.info http://www.facebook.com/pages/Wholesale-Merchant-Processing/144464060450 http://www.linkedin.com/company/wholesale-merchant-processing_2?trk=fc_badge http://fs10.formsite.com/Clear-Portland/form37/index.html?1295996308804 https://wholesalemerchantprocessing.com/login.php http://www.manta.com/c/mtxg889/wholesale-merchant-processing A
complete list of major complaints - http://www.google.com/#hl=en&q=wholesale+merchant+services+knut+werpen+company&revid=416537612&sa=X&ei=aIZzTeOnMoyWsgOrvtTKCw&ved=0CHUQ1QIoAzgU&bav=on.2,or.&fp=b4ebd206981bc959 Complaint
from a Former Employee of Todd McCartney: http://www.ripoffreport.com/corrupt-companies/wholesale-merchant-s/wholesale-merchant-services-ri-bd6d2.htm “I am a former employee of WMS, and true it's been a few years since I worked
there. I doubt very much that the 'way' they practice business has changed
much. I started as an appointment setter, and was promoted into a application
processor......surely as I was very naive in knowing that many of the things
they were doing were WRONG on sooooo many levels. I know now I was asked to do
several things that were 'ILLEGAL'. I have kept the information of some of the
things that were asked of me. In
addition to the shady business practices, I also witnessed drug use on the
premises of WMS . On one occasion I walked into the owner’s office to give him
an update on some of the applications that I had been working on. He had a few
of the 'out of state' sales reps for WMS in the office. They were passing
around a large Tupperware like container containing marijuana buds. On another
occasion shortly after I was promoted up to the applications processor, the
owner excused all of the call center employees early...with pay. After they
were all gone from the building, he called all the rest of the employees up to
the front reception area. I refused several times as I could smell that they
were smoking pot. The owner insisted that I join everyone else up there, and
insisted that I take a hit off of what I later was told was a blunt (cigar
wrapper filled with pot). I insisted that I could not as I am allergic to
marijuana. I was let go shortly after one of the questionable things had been
done, as I 'talked' to a few people in the company about the situation. I feel
they were afraid of what I knew. Honestly, I enjoyed most the people I worked
with, but at the end of the day hated the lies I was asked to tell people in
order to keep my job. It was a total relief when they let me go.” Todd McCartney and Wholesale Merchant Processing aka Wholesale Merchant
Services represents this bank: First
National Bank of Omaha, http://www.firstnationalmerchants.com - If you
have been scammed or feel like you are a victim of fraud by Todd McCartney and
Wholesale Merchant Processing aka Wholesale Merchant Services, call this bank
and make a formal complaint with them. Along with this news story http://wweek.com/portland/article-10187-wholesale_merchant_processing.html, all the
complaints with the BBB http://www.bbb.org/oregon/business-reviews/credit-card-processing-service/wholesale-merchant-warehouse-in-portland-or-41001029 and http://www.bbb.org/oregon/business-reviews/credit-card-processing-service/wholesale-merchant-processing-in-beaverton-or-22507255, there
are multiple reports on the ripoffreport.com about Todd McCartney and Wholesale
Merchant Processing aka Wholesale Merchant Services aka Wholesale Merchant
Warehouse from former employees, and his drug use at his office buildings and
his parties at his home. And about his employees lying to merchants, promising
they will save merchants alot of money if they sign a lease and switch to his
company. When the merchants switch to Todd McCartney and Wholesale Merchant
Processing aka Wholesale Merchant Services aka Wholesale Merchant Warehouse,
they find out a few months later that their rates and fees are higher and there
is no savings at all. They were lied
to. And now hundreds of merchants are
stuck with high equipment leases of $70 to $120 per month x 48 months totaling
$5760 for a terminal you can purchase from any other merchant service company
or on Ebay for as little as $200 cash, and in a lot of cases can get a free
terminal from other merchant service companies. He
has over 27 complaints on the www.ripoffreport.com which can be found
here http://www.ripoffreport.com/Search/Wholesale-Merchant-Processing.aspx - there
are now 11 reports about him when there use to be 27 so it appears the ripoff
report deleted past reports because they were paid to remove them. In order for him to prevent companies from
seeing all the negative reports about his company he made an attempt to create
some 20 websites online with all the social network sites and domains like www.toddmccartney.com which are
no longer there. He did this to get all
these sites show up in Google on the first 2-3 page search results. This did not work. All his negative reports show up in the top 5
of any search result for his person name or company name. Yes, there are some 27 Attorney General
reports on Todd McCartney and his business names. They are old and closed. And Todd McCartney posts comments on this
site about this article saying the article was false and misleading. But the fact is, if merchants have to go a
few months of calling, emailing, faxing, mailing letters, and get no response
and no resolution, and they have to turn to the www.ripoffreport.com or the BBB or the
Oregon Attorney General’s office, or this article to be written, then you
should think twice before giving him your bank account information, signing any
contract, and doing any business with Todd McCartney and Wholesale Merchant
Processing aka Wholesale Merchant Services aka Wholesale Merchant Warehouse. Because if something happens, and you find
out they lied to you, it will take you months to force them to refund your
money and allow you to go somewhere else. And
another thing, there was a major lawsuit against Todd McCartney and Wholesale
Merchant Processing aka Wholesale Merchant Services aka Wholesale Merchant
Warehouse because Todd McCartney decided he wanted to use a new company name
called www.wholesalemerchantwarehouse.com that was
filed by Merchant Warehouse. Merchant
Warehouse sued him for using a similar name, and they won, and Todd McCartney
and Wholesale Merchant Processing aka Wholesale Merchant Services aka Wholesale
Merchant Warehouse had to shut down the domain name. Merchant Warehouse did not want to have to
deal with all the bad and negative publicity if the public started confusing
Todd McCartney and his shady businesses with Merchant Warehouse. The list goes on and on. But most of the really good reports posted on
the www.ripoffreport.com site are
now gone. Another
thing, Todd McCartney is running a huge telemarketing office in the past with
some 30 telemarketers and the person who is in charge running the telemarketing
office has a criminal record. He wanted
to close his telemarketing office down to save money and use the Oregon prison
system to do the telemarketing calls, but they were not allowed to do so
because the man running the telemarketing operations was really good, but he
had a criminal record and the prison system would not allow him to enter the
prison facilities. Here
is a link to a 2007 Federal Trade Commission complaint/lawsuit http://www.ftc.gov/os/caselist/0523162/070411merchantprocess-cmplt.pdf COUNT I - Deception - Misrepresentation Regarding
Fees, COUNT II - Deception - Failure to Disclose Additional Expenses, COUNT
III - Deception - Misrepresentation Regarding Lease Buy-Outs, COUNT IV
- Unilateral Modification of Contracts Results of this FTC complaint - $26 Million dollar
settlement - http://www.consumeraffairs.com/news04/2008/05/ftc_card_processors.html Another
article about this case http://www.digitaltransactions.net/index.php/news/story/1389 Small
businesses throughout the United States have suffered substantial monetary loss
as a result of Defendants’ unlawful acts and practices. In addition, Defendants
have been unjustly enriched as a result of their unlawful practices. Absent
relief by this Court, Defendants are likely to continue to injure merchants,
reap unjust enrichment, and harm the public interest. The
main part of this lawsuit was because of the following “Using statements that
the merchants have received from their current processors, defendants’ agents
compute a “cost analysis,” which they claim compares the processing fees the
merchants are currently paying with those that Defendants would offer. After
performing this analysis, Defendants promise substantial savings. If merchants
ask if there are any other fees, the agents typically say no. EVEN
TODAY, IN 2009, 2010, AND 2011, Todd McCartney and his companies are conducting
business with the same deceptive sales tactics, as noted in all the
ripoffreports. Todd McCartney is never
going to change, he is who he is. The
companies mentioned in this FTC complaint were operating their business in the
same are as Todd McCartney and his companies. Here
are more details of the FTC lawsuit: Defendants also offer
for lease card processing terminals, also known as card swipe terminals
(“terminals”). The terminals are subject to four-year leases between the
merchants and third-party leasing companies and obligate merchants to pay
monthly amounts to the leasing companies. Many merchants solicited by
Defendants are already bound by equipment leases. Typically, the monthly
payments on the four-year leases offered by Defendants are higher than the
monthly payments on the merchants’ existing leases. To induce merchants
to sign the new equipment leases, Defendants’ agents claim that the merchants’
current terminals are outdated or incompatible with Defendants’ services, or
that the new terminals are a necessary part of Defendants’ services.
Defendants’ agents further claim that Defendants will pay off the balances of
the merchants’ existing leases. The agents also claim that, even with the new
higher lease payments, merchants will save money on processing services because
of Defendants’ low discount rate. Defendants’ sales
agents ask the merchants to sign documents that include a Merchant Application
and Agreement (Processing Agreement) and a 48-month Non-Cancellable Lease for
equipment. In numerous instances, the sales agents do not leave copies of these
documents with the merchants and do not show merchants the last four pages of
the Processing Agreements, which consist of fine print disclosures. In fact, there is a
“middleman” in the card processing transaction. Merchants’ payment processing
is actually done by a third-party processor, not defendants. In numerous
instances, merchants who use Defendants’ services are charged an additional
processing rate, called a surcharge, for certain types
of card transactions. These surcharges are an additional percentage of the
transaction amount and are described in the fine print pages that many
merchants do not see at the time of signing. In
numerous instances, merchants who use Defendants’ services are also charged
miscellaneous fees that appear as “other fees” on merchants’ statements. These
“other fees” are not disclosed or are inadequately disclosed. In
numerous instances, Defendants do not buy out the merchants’ previous equipment
leases, and merchants must pay the balances on their previous leases – which
can be thousands of dollars – or make lease payments for two terminals, one of
which they do not use. As a
consequence, many merchants contact Defendants through Defendants’ customer
service department. Defendants’ customer service phone number is answered by
employees who claim not to have any authority and who are unable or unwilling
to transfer merchants to anyone who can assist them. Merchants are transferred
to voice mail or are promised return calls that are not made. Many
merchants ultimately cancel the processing agreements that Defendants induced
them to sign. In such instances, merchants are charged substantial cancellation
fees that are described in the fine print pages that many merchants do not see
at the time of signing or that are otherwise inadequately disclosed. In
numerous instances, merchants have complained to Defendants about their
practices and also filed complaints with Better Business Bureaus and state
attorneys general that have been forwarded to Defendants. Defendants have not
generally refunded, reduced, or provided compensation for additional costs
incurred by merchants. Does
all this sound familiar? After reading
all the ripoff reports about Todd McCartney, it appears his businesses and
sales reps are conducting business in a highly unethical manner similar to this
FTC complaint about other companies who were closed down that operated in the
same area as Todd McCartney’s businesses.

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