A sales representative, who was a friend of mine, approached me about signing up for a website and credit card processing for my business. She told me it would be $39.00 a month for Electronic Merchant Systems to build a website for me and run my credit card transactions through my business. We met in a parking lot and she said she would take care of everything as long as I sign the bottom of a paper, which I did not read, and give a verbal authorization on the phone. She asked for a voided check ( for the 39.00 to be pulled from monthly). Afterwards, someone would contact me to set up my website. No one ever contacted me to set up a website. I was mailed a credit card processing terminal with no directions or way of using it. I mailed it back after being able to speak with anyone from Electronic Merchant Systems/ First Hudson Leasing. I assumed my “application” was denied for some reason since it is referred to as a lease. Years later, in 2017, I tried to obtain a mortgage. When my analysis was run, a judgement from Garfield Heights Municipal Court on behalf of First Hudson Leasing for a secure loan that was taken out in my name for $1,500. This judgement was severely damaging to my credit and ability to move. I never authorized a secure loan and never received a product or service from EMS/ First Hudson Leasing. I retained a legal firm that handles credit repair who sent a letter telling them that the debt was invalid. I am now receiving harrasing, threatening letters calling the law firm ” silly” and that I should contact that attorney.
Electronic Merchant Systems