Evolution Bankcard Review

25 Replies

Credit Card Processors
Evolution Bankcard Logo
Category Breakdown
Sales & Marketing rated D
Costs & Contract rated C minus
Complaints & Service rated C minus
BBB Rating rated D

Overall Rating

"D" Credit Card Processor Rating


Overview

Evolution Bankcard Logo

Evolution Bankcard Logo

Evolution Bankcard (evolutionbankcard.com) is a merchant account provider that is owned by EVO Merchant Services but may also be in some way affiliated with Commerce Payment Systems. The company’s website freely announces its relationship with EVO, but it makes no mention of Commerce Payment Systems, likely due in part to the poor reputation Commerce has built for itself. Evolution Bankcard provides credit card processing solutions for retail, mobile, online, and MOTO businesses, and the company also supplies credit card terminals and online reporting services.

Evolution Bankcard does not list a physical location in its official materials, nor does it list any contact information besides its sales form. EVO Merchant Services is headquartered at 515 Broad Hollow Rd, Melville, NY 11747, and both EVO and Evolution Bankcard are register ISO/MSPs of Deutsche Bank AG, New York, NY.

Sales & Marketing | D

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? Yes
Discloses all important terms? No

Like EVO and Commerce, Evolution Bankcard seems to use a combination of telemarketing, independent sales agents, and online advertising to market its services. The use of independent contractors is a common cause of merchant complaints in the credit card processing industry, and Evolution Bankcard appears to be no exception. There are a growing number of Evolution Bankcard negative reviews that mention deceptive, high-pressure sales tactics used by the company’s representatives, with no two complaints naming the same rep.

Evolution Bankcard’s website quotes a number of rates on its homepage, none of which are especially transparent. For one thing, Evolution Bankcard, like Commerce Payment Systems, makes the claim that it offers rates “starting at 0.25%.” Although this rate seems like a rock-bottom credit card processing rate, this is actually in reference to the company’s debit card transaction fee. Most other providers don’t include the debit card transaction fee in their ad copy since there is not a great deal of variation from processor to processor.

Evolution Bankcard’s credit card fees are listed as 1.40% plus $0.10 for retail and mobile payments and 1.69% plus $0.10 for MOTO/eCommerce payments, but these figures are likely just the company’s “Qualified” transaction rates. The website makes no mention of Evolution Bankcard’s rates for “Mid-Qualified” and “Non-Qualified” transactions, which will actually be applied to the majority of a merchant’s transactions. Given these partial, misleading rate quotes, it’s no wonder that merchants are consistently reporting higher-than-expected costs when processing through Evolution Bankcard.

Costs & Contract | C-

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: None
PCI compliance fee: Variable
Equipment lease: Variable

Although Evolution Bankcard is owned by EVO Merchant Services, it appears that the company’s standard contract terms are more similar to those offered by Commerce Payment Systems. According to merchant complaints, the standard Evolution Bankcard contract is a month-to-month agreement with high rates (up to 4.64% according to this merchant) and expensive annual fees (according to this merchant) that may include PCI Compliance fees. Most complainants report that these fees kick in after a few weeks or a few months of processing, sticking the merchant with a large, unexpected expense. The “free terminal offer” advertised by Evolution Bankcard likely means that the terminal is provided upfront along with the merchant account, but must be returned upon cancellation in a timely fashion in order for a merchant to avoid cancellation fees.

Although Evolution Bankcard does appear to adhere to its advertised claim of “no early termination fees,” it also seems to include many other hidden fees and rate increases in its contracts. The unclear nature of Evolution Bankcard’s contract terms inclines us to rate the company’s costs a “C-” at this time. If you have any information about the standard Evolution Bankcard contract, please share it in the comment section of this review.

Complaints & Service | C-

Key Points – Complaints & Service
Total complaints: 15+
Live customer support? Yes
Most common complaint: Hidden fees

We are currently able to locate approximately 15 Evolution Bankcard complaints across various consumer protection websites, and many of these negative reviews accuse the company of being ripoff or a scam. These complaints, which have been increasing in recent months, consistently allege deceptive sales practices, unexpected costs, expensive fees, difficulty cancelling service, and poor customer support from Evolution Bankcard.

Evolution Bankcard’s website does not list any dedicated contact information of any kind, indicating that the company’s customers will receive support through either EVO or Commerce Payment Systems. Most merchant complaints mention dealing with Commerce Payment Systems, which currently has a “D” rating in this category. Given the alarming consistency of complaints posted about Evolution Bankcard and the reports that it offers support through Commerce, we are awarding it a “C-” for its customer service.

BBB Report | D

Key Points – BBB Report
Product/service: 64
Billing/collection: 205
Advertising/sales: 38
Guarantee/warranty: 1
Delivery: 8

The Better Business Bureau does not currently maintain a profile for Evolution Bankcard, but it does keep a profile for Commerce Payment Systems that lists “Evolution Bankcard” as an alternate business name. Commerce Payment Systems is currently showing a “D-” rating with the BBB due to 316 complaints filed against it in the last three years. Of these complaints, 64 were due to problems with the product or service, 205 were related to billing or collection issues, and 38 had to do with advertising/sales tactics. Commerce successfully resolved 270 complaints, while 12 complaints went completely unresolved. The remainder were resolved to the dissatisfaction of the merchant. Given the information contained in the Commerce Payment Systems profile, the lack of a separate profile for Evolution Bankcard, and Evolution Bankcard’s performance in other categories of this review, we agree with the BBB’s rating at this time.

Bottom Line


Evolution Bankcard Review

Rated 1.5 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-01-20

Evolution Bankcard rates as a substandard merchant services provider according to our rating system. Like EVO Merchant Services and Commerce Payment Systems, its partner companies, Evolution Bankcard appears to utilize deceptive sales tactics and hidden contract terms. Merchants should be sure to acquire all documentation and carefully review it before signing up for service through Evolution Bankcard. In addition, merchants should note that Evolution Bankcard is sometimes spelled as “Evolution Bank Card” when they are researching the company.

This review was originally published on 1/10/14 and was last updated on 1/20/15.

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25 comments

  1. Jason

    To call this company shady is an understatement. Not only do they NOT have the lowest rates, they will claim they do. However, simple math reveals that Evolution bank card charges about 4.95% on transactions. They do not inform you of that. They also do not inform you of monthly fees, whether you use their awful service or not.

    Their customer service is even worse than the actual service they claim to provide. Representatives I’ve spoken to are rude, short in tone, and condescending. If you’ve been contacted by this firm for credit card processing services, simply say no thank you and hang up. It’ll save you money and a tremendous amount of aggravation. 0 out of 5 stars.

  2. Jeff Ewins

    This company should face criminal charges for theft. They tried to sell their services for my company, but I did not complete the transaction after doing some homework on their well earned poor reputation. They did, however, have my bank account information and have charged me almost $200 for NOTHING – I never created an account with them. Since then, their customer service rep, Reme, told me that I am in a negative position with the company and they would not refund the money because I would not pay additional charges for NO service. For anyone considering a credit card processing company, DO NOT use this company. They are thieves.

  3. Ryan

    back in September i was thinking of switching merchant services to Evolution bankcard, we were setting up the information to change services but never finished the possess unbeknownst to me Evolution bankcard was charging me for their services when the possess was never finished or completed, I have not used their services one time but still have gotten a charge for them and every month since then. They went behind my back and where taking money out of my account until I just found out
    Completely dishonest Company
    I have a company and just because you have someone’s personal information on file doesn’t mean you can start using it or taking money out as you wish what that is consider is stilling.

  4. Crystal Moroney

    After signing up with Evolution, my first sale would not go through.. Needless to say, I spoke with several people from evolution and everyone said it was no problem, they ran me through everything and it still wouldn’t work. They have all my banking, ID, and SS # .. which bothers me, as I was let to believe this was an honest company, and I’ve had nothing but the run around.. promises, promises!!!

  5. Antoine

    This company is a total scam. I had the same experience Charles had. They didn’t release funds into my account and then told me that underwriting had not been completed yet. Keep in mind, I already filled out their application, we gave them information including a lease and other document both personally and business and they gave us a machine to begin processing. She said the final part of the underwriting process involved a 5 minute interview which included questions like the first 5 digits of my SSN and questions regarding accounts that have been inactive more than 5 years ago. Needless to say, I “failed” the interview and they said that my funds would continue to be frozen unless I allowed them to look into information from a different credit agency, which I have frozen to prevent fraud. I am still in the process of trying to get close to $40K from them.

  6. Bonnie

    These guys call every week, demanding to speak to the owner who isn’t in the office, and then hung up on me while I’m speaking. Stay classy, Evolution!

  7. Soloman Grundy

    Got a call yesterday from this Evolution Bank Card. First caller was in the middle of his sales pitch about card processing services when I interrupted and said for them to send it by ( quoting me ) ” US postal mail”. First caller said he could not take down my company address. I wondered, ‘why can’t he ? ”

    Then I was transferred to someone else, who gave me her sales pitch. I kept repeating my request, send it by ( quoting me ) “US postal mail”. Lady rep said “No problem.” and hung up on me .

    Then I googled the company name, and found these reviews !

    DO NOT SIGN UP WITH EVOLUTION BANK CARD, NO MATTER WHAT !

    1. Randy

      Similar experience. The salesman was really vague and dodged a few of my questions. I jot down its web address and found these reviews.

      Shady as hell. Avoid at all costs.

  8. Elliott

    Commerce Payment Systems/Evolution Bankcard, or whatever name they are using today, is nothing but criminals
    out to steal from you. Commerce Payment Systems sent me an application on a Friday, which was incomplete as to rates and fees (blanks on the page), print so small I couldn’t read the fine print, and false information attributed to my company (average ticket, highest ticket, and so forth). I tried to contact the rep, but she supposedly had gone home for the day. So I waited until Monday to complete the form.

    On Monday, I went to open the email to have it available when I spoke to “Carolyn Gomez” the rep from Friday, and could not find it in my inbox anymore. What I did find was another email from Carolyn titled, “Thank your for your completed application”. While that was odd, I hadn’t opened it yet when “Carolyn” called me. She claimed that my SSN did not match my name when they checked my credit report so she wanted a copy of my Social Security Card. I made her verify the SSN I”d given her on Friday, and she read back to me my correct SSN but insisted it was not mine and I needed to send her a copy of my card. I became suspicious and told her I did not want to go any further with this transaction. She made it clear to me that she had to have my actual SS card to complete my application, and I again told her, “Well then, we are done, we are not going forward with this arrangement.”

    After hanging up, I opened the latest email (noted above) and discovered an application from Evolution Bankcard, that had what purported to be my signature on it. Several problems with the information it contained, combined with the fact that I had NEVER signed ANY documents, led me to file a complaint with local law enforcement alleging forgery and attempted fraud. I also took other steps to make sure they could not access my accounts in any way.

    Unfortunately for “Carolyn” and her co-conspirators, they have crossed paths with someone they are not going to enjoy dealing with. I hope they know I’ve logged every conversation, address associated with them that I can find, and I’ll never forget her voice.

  9. Tim

    Don’t go with Evolution Bankcard! After being promised that there were NO hidden fees and NO annual fees, I was barraged with them. THIS SERVICE ACTS LIKE A BAIT & SWITCH SCAM! This service was worse than a local merchant service broker where I got an effective rate (after trying them out for two full months) of 3.2% (5-6 k cc sale per mo). With Evolution, I was also charged $79 for an annual machine insurance fee, when their brochure said NO annual fees with no qualifiers! They supposedly removed this fee when I pressed them about the no fees thing – they make you catch their “mistakes” or you will pay. My effective rate ranged from 3-9% even after I was promised that my effective rate would be less than Square. I’m still waiting to see how this turns out, because I haven’t returned their machine yet (doing it right now).

    If you have a small business like mine, and can’t afford to be scammed, NO EVOLUTION BANKCARD. When in doubt, go with Square (I’ve used square at my local Farmer’s Market for three years with NO problems), Paypal, or Amazon. Their charges are, so far, much simpler and predictable. But DON’T go with Evolution Bankcard!

    I am going to say what others said….

    YOU HAVE BEEN WARNED!

  10. Charles

    This company is a scam for sure. My business signed a contract with Evolution for “easy banking solution”. When we noticed that the money we swiped from customers was not going into the business account, the owner called to find out why. He answered all the verification questions (DL, social, even mortgage amount) to which at the end of the call he was told he failed the verification and his accounts (including business account at the bank) which be frozen for 6 MONTHS!!! Needless to say we will no longer be using Evolution.

  11. Brenda

    Worst people I’ve ever dealt with. They lie about everything. Nothing I was told is true. Charging my service charge wasn’t a problem even after I cancelled my account. STAY AWAY.

  12. Eileen Burch

    I am a part owner of Amazing Vapes, LLC in Mt. Pleasant, MI. While signing up with Evolution I was still checking out other options. I decided to go with the square through Verizon. Before I had the chance to call Evolution back, they had sent me the terminal. I mailed back the package and email to the person I was dealing with and told him. He asked me if I filled out a cancellation form. I said “no, would you please send me one” He never sent me a form. On June 3rd they deducted a $64.00 and $64.20 from my account. I again emailed to the guy and he said he would let customer service know. I didn’t get any answer for several days so I called them. They faxed me a form and I sent it back that day. I called on June 24th to make sure that they received it. The person said that they did and I should get my refund by July 3. Well on July 2 I did not get my refund, instead I was charged $15 twice. They are charging me as if I had two terminals and I do not have ANY. So I called again on July 8th, and he said that it would take about 10 days for the refund. From the time I called the first time and now has been longer than 10 days. This place is a scam. They are all about getting people hooked. I warn you not to go with this company!!!!!

  13. Mark

    If you are considering using Evolution to process your credit cards….NOW LISTEN CAREFULLY…DONT! THESE FOLKS ARE TOTAL LYING SHEISTERS (Scheisse is German for shit). You can read Jenny’s message (May 5, 2014) about Thomas Smith. He is the most unbelievable convincing LIAR that I have ever dealt with. He promised me a flat rate of 1.99% for all cards including international credit cards with 24 hour funding. I pointed out in the contract (which he says is not a contract) that it says there is a 1.99% surcharge for non-qualified cards. I asked him if the meant my rate for non-qualified cards is 1.99% plus another 1.99% making it 3.98%? He promised me that it is a flat 1.99% and not 3.98%. After I signed up, nothing happened. I did not get a call and no credit card machine or iPhone swiping device was delivered. I called a week later and was told the swiping device would delivered Wednesday. I was told there would be instructions how to set it up. The only thing included was a tiny 2 X 3″ folded paper saying to plug in device to phone and “download app”. I called and was told to call customer support. Then I found out that I was not set up with Evolution instead with PowerPay. They told me they are connect with Evolution After I set up the app, I asked if my rate is a flat 1.99% for all cards. Ben at PowerPay said NO and that my rate if 1.99% for qualified, 2.49 for mid-qualified, and a 3.98% for non-qualified wqith 48 hour funding and not 24 hour funding. When I said that Thomas Smith promised me that it is a flat rate of 1.99% for all cards and 24 hour funding, all of a sudden they tell me that PowerPay is a total separate company from Evolution and I have to talk with Evolution. I called Thomas Smith and he still swore that it is a flat 1.99%. I asked him that if I run a charge on today (Friday) will i see my money in my account on Monday with a transaction fee of only 1.99%. He said that the money will be there on Monday with only 1.99% transaction fee and he will send me a statement on Tuesday showing only 1.99% transaction fee. So I ran a “test” charge of around $300 and sure enough no money in my account on Monday. I was told underwriting needed and W9 form. I emailed it to them and I was funded 48 hours later (not 24 hour as promised) and 3.98% was taken out. I called Thomas and he played the vanishing act. I immediately closed me checking account to make sure they no longer have access to my checking account and I am in the process of canceling my account. Also, Evolution promotes their A+ BBB rating as EVO Merchant Solutions which is actually Commerce Payment which today has and F rating. This has been a very upsetting and frustrating experience. I hardly lost any money since I only ran a small test charge but I lost a lot of time.

    1. bryan

      Evolution does not represent itself properly they say you will only be charged per transaction. That is a lie they charge fees for everything had one for 99 dollars and did not use card swipe and had canceled them. Called was told still opened . The only way to get rid of them is to close your account that they have access to and re open a new one they are the worst card company I have ever dealt with. Would not recommend them to anybody.

  14. Slava

    After slew of phone calls from their sales reps, our company signed up with Evolution Bankcard. Big mistake!
    As they didn’t provided the terminal (promised by their sales rep) and imposed a restriction requiring that we won’t charge our clients for deposits – we had to cancel. Well, I thought we did. Event after getting a confirmation that the cancellation request was received, they keep charging $19.95 monthly. How many more calls do I need to make in order to stop this?

  15. RJ

    I was excited about the rates from this company, and decided to give their New York office a call. Eventually, I got lined up with a salesmen named Thomas who was said to be my sales rep. I signed up for a 90 trial, and got my card readers in the mail very quickly. After a couple days I noticed that neither swiper sent to me was working/compatible with my phone (Veriphone is highly used with apple devices… Not android). After a couple days, I called to see about replacing my devices, but then found out from the under writing team that I wouldn’t be able to have any money deposited into my business account unless they were given a copy of my phone bill. Funny thing, I have an IP business phone number (that means I don’t have a phone bill). I was using Google Voice for that. They insisted without the phone bill that I wouldn’t be able to process any transaction.

    They called my land lord, asked for my lease, copies of regular documentation (Articles of Inc., tax ID statement etc.) and still they wanted a phone bill. They told me then they could just use my regular cell phone bill to use for the under writing team. I told them no, because my personal cell phone number isn’t connected to my business in anyway. I was told by my sales rep the problem would be dealt with and he’d get back to me. 2 & 1/2 weeks in to my trial, I still have no answer about any of the matter. I talk to Thomas again, and I’m told that it would be a shame to lose an account simply because of a phone bill. 3 weeks have gone by, nothing has been done, their devices don’t work with my phone, I’ve been fed lies about the situation being handled properly, and 2 days ago I decided just to end the account. I spoke to Thomas again, asking for an RMA number for the last device, and was told that he had a meeting with his manager about the situation, and would call me before he left. I received no call for the past 2 days. Today, I’m making sure they cancel the account and everything gets squared away.

    The hardest part is, since I was sent 2 devices for the different services my business provides, I have 2 accounts to cancel. Just got the email for one, and as I’m typing this, just remembered the other account. SAVE YOUR TIME, AND MONEY. 90 day trial, 3 weeks in and I’ve been told things that aren’t followed up, promises made that aren’t kept, and a horrible hassle for them wanting my personal info. And if you check the BBB for Commerce Payment Systems (their payment processor) they don’t have a A+… They have a C-… Garbage.

  16. Douglas

    the company is a scam I worked there while I was in prison yes prison when you get a call from them ask if they are an inmate and they will either say please hold or hang up on you there is hidden fees and they Bill you for things you didn’t order my advise is spread the word and do not UAE this company

  17. mad as hell

    What a rip off! These people certainly will take your credit card transactions but you must jump through moving hoops to get your funds.

    I received the credit card tool to work with my phone, I processed 2 transactions but received no funds. I called them they said I needed to send a utility bill to underwriting so they could confirm the business address. I had just moved my home to a different address, I use a home office, I had no utility bill. I sent them a document that was faxed to the state DVM to change my driver license address, and my business address. Evidently not good enough. I called and finally got to the underwriting office. They were adamant that they needed a utility bill. I don’t get a bill for my business as it is a home office. I stated that I was faxing a phone bill for my business, not good enough. Isn’t a pone a utility?

    Called again still not able to get them to release my funds. They did however charge me 99.86 for some kind of security scam. Never let me know it was going to happen, just withdrew the cash from my account.

    I am lodging a complaint with the BBB. Don’t let this scam company get your funds. A

  18. Jeanine Robinson

    This company is absolutely the worst! We are a small business that signed up with them in October 2013. There was a change in the authorized user, which we submitted the proper paperwork in March 2014. We were told everything was clear in March 2014. We find out in May 2014, when there were new transactions, we were told the transition did not take place. They said they informed us. I told them, they did not. I told them they did not, the only reason we found out is because the owner of our company did not see the postings. Which is when I called to find out when would be able to see them. We then had to resubmit all of the information we’d already submitted. This process took two weeks. No one could give a clear explanation as to why we had to go through this process when all we were doing was changing the names of the authorized users. They then told us on two different occasion within a weeks time that the money would be released in 24 hours. Today, Monday, the owner states the money has still not been released. We were told again the money would come out of the account in 24 hours. Only to have them call back 20 minutes later to say there was a problem with the account. They stated they were uncomfortable with our transactions. However, we have not changed any of our processes. They would not give an explanation as to what changed, when the practice of our company is that some of our clients call in their credit card information. In the end, we were not able to get anywhere and they were returning the money back to our clients. That money ranges from $7,000 – 8,000 that we have to now chase down clients to have them resubmit their payments via check. This is going to cause a huge problem with our business. This is causing a huge inconvenience to us and our clients.

    This is absolutely absurd! It is so frustrating to not be able to speak to someone on a higher level to resolve this issue. We would have been more than happy to cancel our account with them after they released our funds, which are legitimate transactions. This is NOT a good reflection on us as a company to our clients.

    I can not express how upset we are. I wish they were here in Chicago, so I can go up to their office.

  19. Jenny

    I signed up in Feb 2014. This company withdrew $64 from my business account, without me ever using their service. I did not activate the terminal, and I was still charged that amount. I canceled the service, put a stop payment on my checking account, and returned the terminal.
    Tom Smith was the sales agent that hooked me into this company. He is a lying, desperate, sales agent that convinced me Evolution BankCard can provide a lower rate than my current merchant services. I repeatedly contacted Evolutions, emailed Tom, and no body cares to take any action to credit back my money. Tom has not replied to any of my emails or calls.
    This company deserves to be investigated, shut down, and fined for ripping businesses off.
    Beware business owners!

    1. Mark

      Jenny,

      I had the same bad experience with Thomas Smith. He is one lying sack of shit. My account was not set up with evolution but with PowerPay. I wanted to confirm my flat rate of 1.99% and they told me my rates for non-qual is 3.98%. Even when I went back to Thomas Smith, he swore that if I run a charge that it will be 1.99% with 24 hour funding. Of course, it was 48 hour funding and at 3.98%. Luckily I didn’t cancel my existing merchant account provider. I only ran one test charge at $309.25. I immediately closed my bank account so that they will not have access to it.

      Did Thomas also promise you 90 day 100% money back risk free trial with refund of transaction fees?

  20. snqrene

    I cannot believe what just happened to me. I have been ripped off so bad by this company I have been charged over 12% in some cases. I had once charge that I was able to track through the 4 pages of numbers. The transaction was for $12.10. there were 4 different charges on that ticket plus the swipe fee. I was flabbergasted!
    I called them today and they kept throwing me onto to hold. I waited and waited and waited ( through 38 ahead of me in 3 calls) and once the guy put me on hold and never came back and when I called the main number the girl put me on hold.
    Grant it I was not a happy customer but I still after hours cannot get my statement on line.
    It is scary and these people belong in JAIL!
    I will pursue this and write to the banking authorities.

  21. Martin

    This company is a total scam and rip off. Whatever they promise are total lies. They offer you low rates to get your business. But, they charge much higher rates and fees that they didn’t disclose. They illegally charge my account for services that they didn’t provide. Customer service is very poor and management doesn’t bother to return your numerous phone calls to explain the reason for charges. Please do yourself a favor and stay away from this company.

  22. andimal23

    This company is a complete scam and rip off. I have taken action against them with the Better Business Bureau and have hired an attorney. The promises they make are in deed too good to be true. They promised me they would save my company $75 per month, and that I can be up and running in 24 hours. It took 9 days to get the terminal, which was the wrong one (asked for internet line and they sent one for a phone line). It took another 2 days to get the correct terminal. When I finally got it all setup, we pulled in $1,500+ in credit card sales in 2 days. The money never deposited into our account.

    When I contacted them, I was told that underwriting did not approve me because the billing address was different than the service address on my electric bill statement; something they required upon applying for the account. So I sent a copy of the lease. That wasn’t good enough for them, it needed to be notarized. My landlord lives in Florida, and my business is in Illinois, I’ve never even met the man, so I couldn’t get it notarized. I sent a bank statement with our address, a letter from our gas company showing that service had been established, but these weren’t good enough for them and I don’t understand why.

    What else I don’t understand is why on earth would you send a credit card machine ready to accept charges and not check these things out first? Now they are holding my money and my business hostage, as I can’t order supplies and materials needed to replenish the stock that I sold over the weekend. It’s a never ending battle and now I have to get an attorney involved to obtain my funds, which will end up costing me hundreds, if not thousands (more than what they owe me).

    I would think twice about switching to some fancy named company with all of these promises when they are clearly out to get your money (and keep it).

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