Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/08/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have been trying to cancel with this company from the very beginning. They will not let us cancel. Spoke with supervisor ***** who advised me that *** has to call me to cancel and I just have to wait because they are very busy, Its been 3 weeks and we never used their services. Yet we where charged over $2000 in fees for a service we can not use. They sent us a "free" Ipad that we did not want or know about and they charged my account ****** for a Ipad bundle. Every person in this company pushes us off to another person. ***** who came to my company offering us the world seems to only communicate after work hours at 9pm. I just want to send back the equipment and cancel. We tried to cancel even before they mailed out the equipment because they couldn't get it to us in the time frame they promised.

  Business Response

  Date: 05/13/2025

  Good Morning *******, 
  
  Thank you for contacting Horizon Payments, we value and appreciate your feedback!

  After reviewing your information, it appears you have signed three businesses through Horizon for your Auto repair & towing portions of your business. Horizon has programmed, shipped, and installed each location although we do not show you are actively processing with us. We are sorry to hear you wish to terminate your services; our management team has been in contact with you and ****** confirming your request. 

  Horizon Payments has quoted your business a total savings of over $4,000 annually on our fortune 500 program and over $9,000 annually on our Cash Discount Program. Should you choose to cancel, you are responsible for the agreement in full. Your claims of the wrong equipment being shipped to your business, including the address information not being listed correctly can all be immediately corrected if you decide to proceed with your systems and install your systems. 

  We would love the opportunity to salvage this relationship & are willing to update any information needed. As there is an automatic billing system in place, the charges will recur to your business for each merchant agreement. Horizon is willing to submit reimbursements back to your business once you have installed each system to ensure we move with our best foot forward. 

  We have escalated your account to have another management member reach out to you, please give us a call if you have any further questions. 
  
  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 05/13/2025

   
  Complaint: 23303457
  
  I am rejecting this response because:

  The equipment was sent out in 3 different orders making it impossible to start processing credit cards. We had no choice but to cancel before the last batch of equipment came 2 weeks later. We are being held against our will by this company. We were charged $2,500 for a service we have are not able to use. I have tried a dozen ***es to have your company update our correct business name and address and it never happen. I have emails from ***** apologizing for not being able to get this done for us. We  have charges since 4/7/25 even though we did not receive complete order of equipment until 4/18/25. There are several companies that are now withdrawing money from my bank account and no one can tell me why. We were sent a "free" Ipad that we had no knowledge of and did not want. When I called ***** to tell her we are not interested she said it was complimentary, yet we got charged hundreds of dollars for a ipad bundle. This company is a complete scam.

  
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 05/19/2025

  Good Morning *******, 

  Thank you for your continued follow-through, we apologize for any inconvenience to your business. When signing for services, you requested two separate merchant accounts for the different sides of your business. With each merchant account, this includes separate sets of equipment. We have information on file that the legal name provided at the time of signing needs to be updated across our systems, we can easily accomplish this with your help. Should you choose to move forward and install your system, Horizon is happy to reimburse you for any charges received.

  Please give us a call so we may discuss your account in further detail, we apreciate and value your business. 
  
  Sincerely, 
  Horizon Payments 

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23303457
  
  I am rejecting this response because:

  Had this company responded to the issues that we had tried a dozen times in resolve in the course of 5 weeks we would not be here. Instead they gave us the run around intentionally so they could delay the process and charge us the 1st month of fees. Every time we called we were told that someone would get back to us and that they are so backed up there was a wait. We requested a shipping label several times to return all the equipment because it is useless and they will not help us. Only after reaching out to BBB did ***** from Horizon start to reach out. At this point we are not interested in ever doing business with this company. Until this day no one can tell us why they charged us $797.00 for an Ipad bundle.  We also had to pay monthly fees $210 for not processing cards (which we cant because of the their errors). ***** has also stated we have to be a termination fee although once again not our fault. 

  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 06/10/2025

  Thank you for contacting Horizon Payments! We have confirmed that your agreements are in the process of closure, we have spoken with your business in detail on your equipment's return and sent you the needed shipping labels. 

  Please give us a call directly if you have any additional questions. We appreciate your business!
  
  Sincerely, 
  Horizon Payments 

  Customer Answer

  Date: 06/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:04/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A sales *** from Horizon came into my business and promised me that her company could guarantee lower rates than the credit card processing system I am using now. She promised me zero terms, no monthly payment charges, and most importantly that nothing would change in how we book our guests and check them out in our system (guest experience and client comfort is most important to me)- the only thing that would change is we would receive a different credit card reader to take payments on. There was a ********************************************************* that what I was signing off on was what she was promising me. After receiving the credit card terminal, it was evident to me that the system would not integrate with my current POS system and when I asked to terminate, they assured me they would find a solution and sent me two more devices that also did not work with my current POS System. I started noticing charges on my bank account that were not authorized and messaged the *** to ask for help and that this system was not working for me and that I needed to terminate. The woman who originally signed me messaged me saying that my cancelation was being processed, which it was not. I was then connected with tech support, ensuring me they would find a solution and that the system would integrate seamlessly (once again). I have not been able to use their processing machines and have been charged $4,576.80 for services I have not used and did not agree to. They have used the names Riverside, Finova, Bb, hznbb, bank card **** merch, and hznpulse in charging my bank multiple times a week adding up to this total sum.They sent me the 5th device which was able to charge guests but did not integrate with my system- I was told I had to run a payment in order to receive a refund of the previous charges to only continue to be ignored by any supervisor or agent to help me resolve this issue.

  Business Response

  Date: 05/01/2025

  Good Morning ****, 

  Thank you for contacting Horizon Payments! We are pleased to confirm that you have been in contact with our management team for solutions as recently as 4.26.2025. 
  With an automatic billing system in place, we are unable to stop the billing on active merchant accounts. ********************** is happy to submit any reimbursements necessary to your business once you have installed your system!

  Horizon has noted that the current POS solution you are using is Vagaro, the solutions we have for your business will not affect how you book your guests into the system or how they check out. We can assure you that this is a seamless process & will cover all details to you in our upcoming meeting. Our team has scheduled a call with you today, at 230pm PST.  We will then confirm how we are able to service your processing needs & the refunds we will issue back to your business.
  
  Horizon Payments appreciates and values your business! 
  
  Sincerely, 
  Horizon Payments

• Initial Complaint

  Date:04/23/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im the owner of *********. A former manager signed a merchant account contract with Horizon Payments in my name without my knowledge or authorization. I did not approve or consent to the contract, nor was I present at the time it was signed. I have written confirmation from the former manager admitting this.Despite notifying Horizon Payments in writing, including their leadership, they have refused to cancel the account unless I either use their terminal for 30 days or pay a cancellation fee for a contract I never agreed to. *** also submitted a stop payment request with my bank after an unauthorized ACH debit attempt.This contract is not valid. I did not agree to the terms or charges and should not be held liable. Horizon is insisting on enforcing a 48-month commitment and associated fees based on a contract signed fraudulently. Multiple contact attempts have been met with delays, bounced emails, and resistance.I am requesting that Horizon Payments:1.Immediately cancel the merchant account tied to my business 2.Release me from all contract obligations and termination fees 3.Issue confirmation in writing that the account is closed If this cannot be resolved directly, I will escalate further with the Washington Attorney General and ***. Ive acted in good faith to resolve this matter and am simply asking for a fair and legal resolution.

  Business Response

  Date: 04/27/2025

  Good Evening, 
  
  Thank you for contacting Horizon Payments! 
  When signing for services, **** represented himself as the owner of the business and agreed to process KBB Salon's electronic payments with Horizon. 
  The merchant agreement is in place to save KBB Salon money against what was previously paid to the other merchant service provider. Should *** Salon wish to cancel the agreement, there are penalties in place. Our management team has attempted to contact you at the business to come to a solution, since Duro signed on the behalf of the business, she has personally guaranteed the agreement along with the business. We have the option to transfer the information out of her name if you can provide documentation that you are the full business owner; Horizon stands by our promise to deliver your business a savings. 
  
  Please give us a call should you have any questions.

  Customer Answer

  Date: 04/27/2025

   
  Complaint: 23240970

  
  I am rejecting this response because:

  Thank you for your response.
  I would like to reiterate that the merchant agreement in question was signed without my knowledge, review, or consent by a former employee. The fact that my name was used on the contract without direct authorization invalidates the agreement. I have supporting documentation confirming this.
  
  I am the sole owner of *********, however, the original agreement was obtained through unauthorized representation and therefore is unenforceable.
  
  
  I have made it clear that I will only communicate in writing for documentation purposes. I will not be calling Horizon Payments, and I request that all communication regarding this disputed account remain in writing.
  
  
  I am standing by my original request:
  
  Immediate cancellation of the unauthorized contract
  Full release of any financial obligation
  Written confirmation of account closure
  
  I have also reported this matter to the Washington State Attorney General and the appropriate federal consumer protection agencies.
  
  
  Sincerely,
  ****** ****
  
  
  

• Initial Complaint

  Date:03/31/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  salesman made cold call representing no cost to us credit card processing, then we were debited amounts not known to us. When questioned, sales person informed us he would take care of and void charges. it did not happen. His resolution was to adjust things elsewhere. ? We questioned, then he informed us we were on our own and to contact customer service. Salesman said everyone pays this. We then were sent a esigned contract WE HAD NEVER SEEN BEFORE. We are contacted daily by ****** ******* and ****** ***** , they believe we do not understand the deal. We feel lied to by the salesman, and wonder how someone could e sign our company name and to a contract not presented to our company

  Business Response

  Date: 04/06/2025

  Good Morning ******, 
  
  Thank you for contacting Horizon Payments! When signing for services, Horizon quoted your business over $50 in savings against your previous provider on a monthly basis. Although Horizon cannot offer free processing, we can place more money in your pocket and offer substantial savings! Our management team has listened to the recorded calls tied to your location, and support confirmed the charges to your DDA are valid and less than what you paid previously. Should you choose to cancel, you will remain responsible for the agreement in place. 
  Horizon would like the opportunity to continue to save you money, please give us a call at your earliest convenience.

  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 04/17/2025

  company did not deliver promised arrangement, entered a contract we did not sign. Did not uphold their end are charging much more than promised. complaint ********. not settled response refers to conversations we do not compute what conversations. do they mean one sided on their end? .
  

  
  

  company entered a fraudulant contract not delivering promised quoted deal
  

  
  

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We signed a merchant application in January of 2023 with Horizon. Our confirmation email was sent by ***** Morgray of Riverside Payments. ********* also sent us an email explaining how to set up the equipment. The merchant information sheet clearly shows a hand-written "two months waived" however we were charged and had had to fight to eventually get equipment rental fees from ******* returned to us. ********* never refunded our merchant fees for the two months. In a telephone conversation with Riverside, I was told that I was paying $2089.97 as a monthly fee to Horizon, in addition to card service fees and a $99 monthly service/equipment fee. The fees and my savings were overstated and absolutely false. In May of 2023 I signed an agreement to end services with *********. Between Horizon/Clover/Riverside/MX Merchant/Priority Payments/Time Payments/First ********************** I can't tell which company is which. I believe ********* is the parent company to Horizon/Cascade, although some of my communications have come from Priority Payments. It's quite convoluted. I spoke with ****** ****** of Riverside Payments on May 18, 2023. And ****** ******* of Riverside Payments on April 3, 2023, Ticket No. ******. Another ticket is ******. I requested a rate review which never happened. MX Merchant at some point locked my account and I could not access information. While on the phone with Horizon, an employee told me she unlocked my account. So ********************** is also Cascade and also MX Merchant? How could she unlock it? My attorney received a letter stating the lease was cancelled and everything was resolved. Priority Payments (why?) wrote to him asking where to pick up the equipment and he responded but they never picked it up. In September of 2023 Riverside's attorney wrote a letter full of inaccurate information to my attorney. We also lost $2348 on a dispute filed, although we had 100% identification, photos, and a signature. After 2 yrs Riverside is threatening to sue me.

  Business Response

  Date: 03/24/2025

  Good Afternoon, 

  Thank you for contacting Riverside Payments! After reviewing your information, we have confirmed your agreement is through Horizon Payments and not signed with Riverside Payments. 

  We have sent your information to Horizon Payments so they may get into contact with you, please give them a call directly to discuss this further. 

  Sincerely, 

  Riverside Payments

  Business Response

  Date: 03/28/2025

  Good Afternoon, ******! 
  Thank you for contacting Horizon Payments! We have confirmed that the reimbursements for your first two months of equipment were issued back to your business. On April 10th, 2023, we issued $599 via ACH and the second portion of your credit was issued via check delivered to your business. 
  
  Attached along this response is the quote we gave to your business at the time of signing. Horizon Payments has tailored your account to save against 2.21% paid previously based off $123,734.92 in volume listed on your paperwork. Your equipment program of $599 is built within your savings against your previous provider and encompassed in your overall bill. 
  As an ISO of multiple payment platforms, Horizon Payments utilizes several different solutions to ensure there is money back in your pocket. The difference between Riverside Payments and Horizon is that Riverside provides Horizon payments with the best governing practices to ensure that Horizon Payments meets all card brand regulations / expectations. 
  Horizon utilizes MX connect as a reporting tool for you through the Priority Payments platform - this is not a separate agreement, just tools that set you up for success. 
  Horizon would like the opportunity to discuss this further with you if you still have questions, please give us a call!
  It is confirmed that your merchant agreement is closed, if you have questions on your lease agreement, please give the leasing company a call directly so they may resolve your concerns. 
  
  Sincerely, 
  Horizon Payments
  

  Customer Answer

  Date: 03/30/2025

   
  Complaint: 23061198
  
  I am rejecting this response because: We were told very specifically that we would incur no charges for our first two months of service. Yes, we were issued (after having to push the issue) credit for two months of the equipment rental fee. However, we were supposed to incur NO fees for processing also, as is hand-written on the contract and this did not happen.  Not only did the sales *** tell us that, it was confirmed by his supposed manager over the phone before we signed any agreement. The email extensions on my correspondence end with @***********************************, even though I thought I was communicating with Cascade/Horizon. As you can see from the attached text from ***** ***, the sales ***, he referred to Cascade and Horizon as "our" - in other words, the same! We were bombarded by forms from so many different companies, we couldn't keep track of who is who. I complained profusely about the high charges - and that we were in fact not saving money as we had been told. I tried and tried and argued and argued to get out of my contract with Horizon/Cascade. I finally hired an attorney. The service we received was horrid - full of untruths, manipulations, confusion, and promises unfulfilled.  Even though my merchant account finally was closed and I was told someone would be picking up the equipment, I am being told now that I will be sued for the the front-loaded interest charges. I have pages and pages of copies of texts, emails and letters trying to get this resolved. Now I'm told my account has been sold and I will be sued. Reading comments on different social media and the BBB, I can see I am not the only one to have a terrible experience. Your company has lost nothing - and took way more than was agreed to. I will not pay these ridiculous interest charges.
  
  Sincerely,
  
  ****** ********

  Business Response

  Date: 04/03/2025

  Good Morning ******, 

  Thank you for contacting Horizon Payments! Our system has an automatic billing system in place, charges are set to begin once the agreement has been signed and approved. Horizon Payments issued your business the credits for these charges as agreed to within the paperwork, we are happy to discuss this further if you would like to coordinate a call with one of our specialists!  Along with the credits issued, Horizon Payments confirmed we are actively saving you money and placed more money in your pocket while actively processing payments.
  With the banking information on file closed, Horizon was unable to collect payment on the remaining processing fees owed. Without the capability to collect, the balance is sent to collections. 

  Horizon Payments is happy to help resolve if you wish to pay via check to close out the balances owed. If you have questions on your equipment lease, you must contact Cascade Equipment Leasing directly. 
  
  Please give us a call if you have any questions about your merchant agreement! 

  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 05/06/2025

  Thank you for your email *******. I'm a bit disappointed by the response, but hopefully I can provide the information that you are requesting. Horizon and ****************************************** are the same company, although they claim not to be. (See attachment 1 from *************** *** stating they are.) However, both Horizon and Cascade use *************************************** extension on their emails, no matter which of those companies I addressed email to. They freely ***resent and act on each other's dealings.  I can tell you that we signed a merchant application in January of 2023 through Horizon's sales *** named ***** ***. ***** offered to have two months of fees waived if we signed that day. Our manager, ******, had a phone conversation with ******* superior who agreed to two month's no charge. ***** then hand wrote on the agreement that there would be 2 months waived before it was signed. (attachment 2).  We were told that we could cancel this if we were not satisfied with the company. The Horizon merchant information sheet clearly shows a hand-written "two months free," After arguing with them for a while, we finally did get a credit and, later, a check for for equipment rental charges for Cascade, but were still charged processing fees that were supposed to be waived for 2 months. The fees and the savings promised were overstated and absolutely false!  I asked for a rate review that never happened. The merchant agreement is closed after many, many arguments I had with Horizon and we no longer use their service. Their very-carefully worded response to my complaint does not address the issue of reimbursing me for 2 months of processing fees. Nor does it address the fact that Horizon/Cascade is suing me for over $34,000. Instead, they tell me to call *******, the leasing company. Cascade and Horizon are the same company!  I have spoken with Horizon and when I call them I go around in circles - Horizon blames Cascade, Cascade blames Horizon and I get no where. Attachment 3 is a letter from my attorney, where he states that he received communication that the lease was cancelled and everything was resolved.  He also reiterates that we were told it was a cancellable lease. They wanted us to continue working with them, in spite of supposedly having closure. Your own BBB has so many other complaints against this company, I would hope that you would not consider this case closed at all. Any outsider reading Horizon's response would think that they are handling this in a fair manner - which is absolutely not true.
  
  I have probably given you more information than you need, but I want to make it clear that Horizon is every bit a part of this situation and their lack of responsibility that shows in their response is typical. I hope that you will please keep this case opened.
  
  Thank you,
  
  ****** ********
  

  
  

  Business Response

  Date: 05/16/2025

  Good Morning ******, 
  
  Thank you for your continued follow through with Horizon Payments. Confirming that there is an automatic billing system in place, we cannot stop the payments owed that are tied to your merchant agreement. With the promise for two months of your equipment program free, Horizon had a payment issued via ACH to your bank account on file for $599, processed on April 10th, 2023. 
  
  Horizon Payments is here to save you money against your previous provider. Our management provided you with an in-depth analysis on April 5th, 2023, to confirm that your business was set for success! When comparing your rates through Horizon, we confirmed that your business saved $949.54 including your equipment program. The information listed on your quote,  your business previously paid a 2.21% based off of $123,743.92 in monthly volume through *********. When reviewing your rates in April, the previous month your business paid 1.87% in total through Horizon Payments. 
  
  Your request to cancel after the numbers were reviewed was addressed by our management and explained in great detail, you are responsible for the penalties in place. 
  
  Horizon continues to offer our hand in an act of good faith to help you resume processing and save money on your agreement, please give us a call if you need further clarification. 
  
  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 05/18/2025

   
  Complaint: 23061198
  
  I am rejecting this response because: As I have said over and over again, it was confirmed through our sales ***resentative (and I have send copies of the text) that Horizon and Cascade are the same company. But it was denied by your company. Or they were at the time the agreement was signed. We were told we would be given two months at no charge - which is hand written on the agreement by the sales *** and confirmed via telephone with his superior. However, we were charged and had to push and push to get the equipment program fees refunded. We pushed and pushed to get the processing fees refunded as well, but it never happened. I had two separate cases filed to have my rates reviewed because, contrary to Horizon's claim, the fees were higher, not lower. The rates and savings you are claiming are simply not true - PLUS you are not taking into account all the additional charges that were added on. I will never resume processing with your company. The service was absolutely horrible - my processing was shut off without my knowledge. My home address was printed on the receipts. Your company claimed I did that myself, yet when I finally got it changed to our warehouse address, it took a phone call from a ***resentative to walk us through it. If I could have changed it to my home address, I could have changed it to my warehouse address by myself. Your company took no responsiblity for all of its errors. I lost over $2600 from a completely legitimate transaction with the credit card presented, ID presented and even a photo of the vehicle's license plate that we happened to get by accident. Yet it was denied.  Getting ahold of a ***resentative was close to impossible with everyone working out of their homes. Calls weren't returned, emails weren't answered, and lies were told. The low ratings and hundreds of complaints on various sites show the disapproval, lack of confidence, and beliefs that the complaintants were scammed. These are posted on ********, *******, Better Business Bureau, ******, and other sites. After all this, you expect me to resume processing? My attorney was told this had all been settled, yet I continue to be harassed and threatened. Your offer to "help me resume processing and save money" only proves that Cascade and Horizon are the same company. I have absolutely no interest in ever working with your company again. I will be joining the class action lawsuit that is being formed in hopes that other businesses will not have to deal with the issues that I've dealt with.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:02/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A *** from horizon payments came to my store. I was told I would save money by using their services because they do all the processing and there were no middlemen. I decided to try them out to save some money. Then I receive 12 credit card processing machines. We are a small health food store with 2 cash registers. I called to see why, they said they give you that many so there are back-*** in case one breaks. **. The *** also put me in a 4-yr contract after telling me ***eatedly there were no contracts. She also said they could integrate with my ***, they could not. They were also going to charge me $1200 a month for the 12 card machines. I emailed to complain and get out of the contract. Told them I would go to the BBB, Attorney generals of NY and **********. They called back to smooth things over and offered me a free *** system. I was skeptical but I stupidly took the bait because *** I was using was horrible. Setting up the new systems were a nightmare. The *** did not work well, but the *** company helped out with setting thing up properly. I asked horizon if I could put new *** software on the system and was told by a tech that he didn't care they gave me the system for free it was mine to do as I please. I didn't find one though, so I was stuck. Then I noticed random charges to my bank account totaling around $4500. I called them out on it and after a couple of months, emails, and me threatening to go to the authorities, miraculously the money showed up in my bank account the very next day. Hmmm, not suspicious at all. So, after putting up with all of this I finally had it and on 9/26 I called to cancel. I was informed of the early termination fee. Then I was told I owed $1200 for the equipment I was leasing. I said I didn't sign a lease for anything. The clerk said they would make a note, and someone would get back to me. A month goes by, I call again and was rudely told I can't speak to the person in charge of cancelations, they would call me back. ****.

  Business Response

  Date: 02/05/2025

  Good Morning, 

  Thank you for contacting Riverside Payments! 

  We have confirmed your business has not signed with Riverside, you signed with Horizon Payments. With your agreement being signed with Horizon Payments, we would like to take a moment to explain the relationship between Riverside Payments and Horizon Payments.  Horizon Payments, is the company that handles all sales and servicing on your account. Riverside ******************** provides them with the ability to access rates and governs best practices to ensure that all activity is aligned with the requirements **** and ********** put out for the industry. 
  We have reached out to Horizon Payments to reach out to you directly, 

  Thank you, 

  Riverside Payments
  
  

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22899329
  
  I am rejecting this response because:

  So, when you say you reached out to horizon payments you mean you yelled down the hall to them right? You are the same company, and you know it, youre in the same building, same phone number. Dont lie. And your *** lied again then and told me the form you attached was just for an estimate, not a binding agreement. The agreement I signed after all the runaround and nonsense your company put me through, I am assuming to keep me from ***orting you, was from riverside. I will attach it if I can; you will note the riverside payments logo on the top right.
  
  Sincerely,
  
  ****** *******

  Business Response

  Date: 02/19/2025

  Thank you for contacting Horizon Payments! We value your business & are pleased to report you have been a customer since 2022. 
  When signing for services, your business was set to save against the 3.66% you paid with your previous provider. The monthly savings included an equipment program of $1200, this is built in the form of a lease. 
  Horizon offers the option to swap out your equipment should you find something more to your liking during that term, we would love the opportunity to help you shop for something that better suits the needs!
  The agreement to save includes a 48-month agreement term, should you cancel prior to that term you are responsible for the penalties in place. If you have questions in regard to your lease, please contact your leasing company directly. 
  Horizon Payments has responsibility over your merchant agreement, your merchant agreement is closed due to the stop payment placed in January of 2025. if you wish to discuss your merchant agreement please contact Horizon Payments at your earliest convenience.
  
  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 02/28/2025

  I am rejecting this response because:
  
  Hell yes, I stopped payments. You attempted to steal $4500 from me. I cancelled it on 9/26/24. Why would I keep paying you. You kept charging me. I have no problem paying the early termination fee, never did. But since you charged me again after I called to cancel, I will only pay the difference of the termination fee and the last payment you stole from my account which was $394.90, so I owe you $300.10.
  And what $1200 lease and what leasing company are you referring to? I don't have any equipment. I sent it back to your company using the call tag you provided. I have emails (I have attached one of them) from ****** ***** to prove this. I was told on the phone that it was taken care of. So, I am not going to pay for something I never used and sent back and taking back that equipment makes any so-called lease null and void.
  Your companies, horizon/riverside whoever the h*** you are, are deceptive and outright liars. I have read all of the reviews, all the complaints, all of the subreddits. Your companies are *****. I will also be sending complaints and reporting on your companies to:
  State of New York Attorney General
  State of ********************************************************************************************************************************************************************************* **************************
  National Automated Clearing House
  National White Collar Crime Center
  *** Internet Crime Complaint Center
  
  Hopefully one of them investigates you. 
  
  
  
  Sincerely,
  
  ****** *******

  Business Response

  Date: 03/14/2025

  Good Morning & thank you for making contact again with Horizon Payments!

  Your merchant agreement is closed due to the stop payment placed in January of 2025, there are no active debits or charges to your account for **********************. Since Horizon Payments handles your merchant agreement, along with your savings against your previous provider - We would love the opportunity to save you money!  Should you choose to reinstate your account, we can place money in your pocket and deliver you the savings outlined in your original quote. Since there is no further activity tied to the merchant account, there is no action required through Horizon. 

  Your concerns with the leasing program must be addressed with the leasing company directly,  please contact them in reference to the lease agreement should you have further questions as this is not through Horizon Payments. 
  

  If you wish to discuss your merchant agreement, please contact Horizon Payments at your earliest convenience. 

  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 22899329
  
  I am rejecting this response because:

  This company continues to dodge accountability by pointing fingers at third parties,referencing "leasing companies" I never knowingly signed with, and suggesting I reinstate my account as if nothing ever happened. Let me be perfectly clear:
  I was misled from day one. I was told there were no contracts, and yet I was locked into a 4-year agreement.
  I received 12 credit card machines for a store with only two registers, under the absurd excuse that they were backups. The *** never explained any lease terms or mentioned a third-party leasing company.
  $4,500 in unauthorized charges were withdrawn from my account. It took months of chasing, escalating, and threatening legal action for that money to be returnedsuspiciously, it showed up the day after I threatened to ***ort them.
  I officially canceled on 9/26/2024. I was told I would owe $1,200 for those machines under what they now call a lease that I never knowingly entered. I told the *** on the phone there was no lease, and I was told I would be contacted about the matter, but no one followed up. Instead, the company continued to debit my account afterwardafter my cancellationand now refuses to recognize or refund that overpayment.
  I returned all equipment using a call tag provided by Horizon and followed the tracking until it was received by your company. I have emails from a Horizon employee (****** *****) confirming this cancelation was in progress. Since I returned the equipment,I owe nothing related to any lease that was never properly disclosed or agreed upon. Taking back equipment that was supposedly leased invalidates the lease, if one ever existed.
  Lets not play games. Horizon and Riverside Payments appear to be the same. I have documentation showing a Riverside Payments logo on the agreement. They share the same office, phone numbers, and operate interchangeably depending on which one is more convenient to hide behind.
  Not interested in reinstating my account. Not interested in excuses about leasing companies *** never heard of. I am not paying for equipment I returned. I already told you I am not paying fees beyond the reasonable early termination fee minus the unauthorized charge that was taken after cancellation. 
  If this company refuses to resolve this in good faith, I will continue with formal complaints about Horizon, *********, and said leasing company, to the following agencies:
  State of New York Attorney General
  State of Washington Attorney General
  *********************
  **********
  ************************
  Mastercard
  Visa
  ****************
  Discover
  Payment Card Industry *******************************
  National Automated Clearing House
  National White Collar Crime Center
  *** Internet Crime Complaint Center
  Enough is enough. Your companys practices are deceptive, abusive, and intentionally confusing to trap small businesses into agreements under false pretenses. I will not be bullied or gaslit into accepting responsibility for terms I never agreed to and equipment I returned. Again, I have all correspondence saved.Including emails saying that the lease was being taken care of by your ***resentative.
  I want this resolved, I want all of it in writing. YOU will deal with said leasing company since YOU are the ones that deceptively started the lease.
  Sincerely,
  ****** *******
  

  Business Response

  Date: 04/14/2025

  Thank you for your continued contact with Horizon Payments. Should you have any questions in regards to your equipment lease, Horizon asks that you give Cascade Leasing a call directly at **************. 
  
  Horizon Payments is happy to address any questions you have in reference to your merchant agreement, if you need further assistance you may call us directly.
  
  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 04/16/2025

   
  Complaint: 22899329

  Are you kidding me, this is the same lease I was told was being cancelled by your representative ****** Wriek. I have shown the proof of this. So, you have once again lied. What kind of a clown show are you guys running over there.

  BBB do you not see that this company is giving me the runaround? Please don't close this until we come to a solution. The owner of *********, *******, also owns this cascade leasing company, found that out and a lot more from someone that works there. He doesn't have very loyal employees.

  horizon/riverside, do what you said you were going to do and cancel the lease!!! ******* has the power to do so, so do it! This is getting a little ridiculous.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:12/04/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A sales representative of Horizon came to my store offering ****************** He stated he could save me money on Merchant Fees. After discussing savings, cost and comparisons and asking many questions about services and fees and lease, I was told there would be no contract and services would be on a month-to-month basis. When I read the contract, it did not say anything about a 48-month lease and Bill Backs. During the signing, there were mistakes made and the contract had to be reprinted, I feel it was during this time things turned sketchy. I recently found out I have to stay with them 3 years and they gave me a 4-year lease on the Credit card machine with no option out of the lease which was all under false pretense. I also have charges totaling $6,048.00 over the past 12 months from Horizon charging me $189 - 32 times. Their customer service representative called them Bill Backs which she could not even explain but stated if I take a picture and email, they will refund - lets see how that goes! I was also told I was being charged $79.95 per month for being non-compliant. **************** representative said once I become compliant, they would refund me up to 3 months of charges. The representative said they sent emails and when I asked who they were from she did not know but sent one to me which had her name no company, no identifying factors for me confirm this was valid. With the scam rate, I would not have responded to this email had I not been on the phone with her. My last company never charged me for non-compliance and always made sure I was compliant with calls not emails. After reading ****** reviews from other people who had the same thing happen and reading the BBB complaints with people who have had the same thing happen, I am convinced this company is unethical and should be investigated. HORIZONs responses to others are reactions to attempt to appear ethical which they are not! Too many people are saying the same thing.

  Business Response

  Date: 12/06/2024

  Good Morning ********, 
  
  Thank you for contacting Horizon Payments! In September of 2023, Horizon Payments offered a savings against your previous provider including an equipment program. With this program, there is $350 in savings annually. The Equipment program is built in the form of a lease to offer the most money back in your pocket! Should you feel as though you are not saving at any time, you are encouraged to contact our customer service department to review your costs!
  Reviewing the details on recent events, our team is pending further information from you! Please send over the documentation as requested, we will then analyze the information and follow up with our findings. 
  *** compliance is mandated from the major card brands, this is not proprietary to just Horizon Payments. When accepting electronic payments, your business is responsible to remain in compliance with your physical hardware and daily operations. If you fail to meet the standards set forth from Visa/**********/Discover/Amex - a penalty does apply. This is the $79.95 you are referring to; the good news is that Horizon will reimburse you for 90 days in an act of good faith once you complete the *** questionnaire. 
  We look forward to working further with you, please give us a call if you have any additional questions or troubles with sending in the information requested. 
  
  Sincerely, 
  Horizon Payments

• Initial Complaint

  Date:11/13/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I don't know if this is the appropriate place for this kind of complaint, but there's no other option.This company is on ******** and are constantly posting false open job opportunities. Every job role they post is identical to the others as far as what the role is, the titles are just changed. For example, I just checked and right now they have 7 open job opportunities, all posted within the last 24 hours, all with the same job description, all with different misleading job titles. And this cycle just repeats daily or every other day. Why do I even care? Because I am desperately seeking work and myself and tons of other people have and are wasting so much time trying to get these jobs that don't even actually exist. I have asked about this behavior of their's via comments on their LinkedIn posts, but they just get deleted. This is SO unethical, and SO annoying, to myself and so many others.

  Business Response

  Date: 11/20/2024

  Hey ******,

  Let me start off by asking the obvious question, what makes you think that our job posts are for false job opportunities? We are a real organization with real job opportunities in which we have real people that work for us all over the country. Based on your opinion, it's clear that you don't know how posting jobs on ******** works. We pay a lot of money every month to be able to post on the platform. When we first wanted to post on ******** we had to go through a screening process in which ******** made sure we are a legitimate business with legitimate hiring needs. They determined we are not an MLM or pyramid scheme as well as approved our ads prior to posting them. They require ads to not be duplicate titles, so the titles we use are ones that could be in line with the roles and responsibilities we are looking to fill. We cycle our ads in a way that keeps them fresh and relevant to ****** the highest level of visibility in an effort to maximize the money we spend each month. 

  Just because something does not appeal to you does not mean it's false, fake, or anything but a legitimate business trying to fill legitimate roles to support our desire to grow as we have over the last 3-4 years. Our ads are all branded and very clear as to what we are looking for in an effort to be as transparent as possible. If our open opportunities don't align with your career path then you can simply pass by without spending any time or energy projecting YOUR individual wants onto an organization that is working hard to keep the growth trajectory we've held for the past few years. Also, if you don't want to see our content then you are more than welcome to block us on LinkedIn. That will take us off your visibility when scanning the platform. Rather than attacking a legitimate business with legitimate people that have families and dreams of building something we can be proud of. Good luck in your job search.

  Cheers!

• Initial Complaint

  Date:10/22/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  As with other complaints I see here, when I was approached with the pitch for the *** system back in July 2022, I was told that the service would be month by month and that I could cancel at any time. I stayed with Horizon Payments for a while until I found out that their services and leasing prices were much higher than (more than twice) their competitors. I was offered their "Meet or Beat" offer by the *** that has taken over my account on Sept 20th and nearly a month later I have not heard anything from the sales ***. After having a couple of emails ignored, I figured that they could not meet or beat the offer and accepted a different service, but when I called to cancel and ask where to ship all of the equipment back to, I was told that there was still 21 months on a 48 month "non-cancelable" lease. As a small business, our bottom line is very tight and being deceived by their sales tactics is detrimental to staying in business. If they are going to send out sales ***resentatives to offer a month to month contract, they should at least follow that practice. It appears that they have continued using this deceptive tactic for at least two years since I can see others complaining as recently as the latter part of this year.

  Business Response

  Date: 10/23/2024

  Good Evening *****, 
  
  Thank you for contacting Horizon Payments! We would like to take the time to express our gratitude for your business over the past several years. The agreement for your merchant agreement has a term remaining, Horizon Payments is confident that we are able to continue to offer you competitive pricing for your electronic payments. 
  There are no records of your business sending any offers from other providers. We do have on file your call yesterday, October 22nd. Our agent confirmed with you directly that there was no quote sent in, requesting you resend the document for our review. If you are wishing to apply the offer you have received from the other company, please send this to via fax or email to **************************************************************** / ************.

  We look forward to reviewing the offer you received and placing more money back into your pocket! 
  
  Sincerely. 
  Horizon Payments...

  Customer Answer

  Date: 10/24/2024

   
  Complaint: 22460741
  
  I am rejecting this response because:

  I have an email trail that shows I did send him a document on September 20th.  He replied "Thank you for sending this over. I will get it to someone to see what we can do. Have a great Monday!" on the 23rd.  Then I heard nothing back even after two emails to check the status.  He didn't respond back until October 22nd with "Let me look over things and get back to you. I'll be in touch in the next day or so."  So I can only assume that nothing was done during this time, and no other documentation was requested from me for a month.  I have already gotten with another provider based, again, on the initial sales ***** promise that the agreement was month to month and could be cancelled at any time, like other complaints that I have seen on this site.  I no longer need the services provided by Horizon Payments and am ready to return the equipment.  I only want that you follow what your sales **** are continuing to use as a tactic to get people to sign up and allow for the cancellation based on the month to month sales pitch that you are still apparently using to get people to sign up with you.
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 11/07/2024

  Good Evening *****,

  We have reviewed what you submitted as the quote from a competitor, and I've attached the document to this response. Unfortunately it does not suffice as a documented quote in the form it was submitted. It's simply a sentence claiming to give an estimated cost, but is lacking any information as to how they arrived at the numbers provided. In addition, there is no information as to who the company is or any substantiated data to support the random, and albeit, crude representation of an offer. We would need something similar to what we provided when we quoted your business prior to signing an agreement with terms clearly outlined in the documents you ultimately signed. Our **** are not ever instructed, nor do they promote our service as a month to month with the option to cancel whenever you want without satisfying those commitments agreed to in the documents that get signed. If you'd like us to review a quote from a competitor to exercise our meet or beat commitment then we would need something in the form of a standard quote with numbers to support how they are offering their rates. Without this, we are still committed to providing the service you signed for originally and look foward to continuing to be your merchant service provider. Please reach out to our team if you have any further questions or to submit a complete quote summary. 

  Thank you,

  Horizon Payments

  Customer Answer

  Date: 11/07/2024

   
  Complaint: 22460741
  
  I am rejecting this response because:  This is the first response requesting other documentation, which is almost two months after my initial request.  I know that you say you don't instruct your **** to offer a month to month, but not only have I been told that, but, looking at other responses with the BBB, other people have received that same sales pitch and are complaining about these tactics to potentially deceptively get us locked into a non-cancellable contract.  I have already signed on with another provider based on your sales ***** promise of a month to month service and the non-response for almost two months being too long to be reasonable.
  
  Again, I understand that you want to say that your **** are not instructed to say that the service is a month to month service, but other responses here would indicate that they are indeed doing that.  And since I started back in 2022, I believe, and some of the other responses are from this year so this doesn't appear to be isolated.  I no longer need the services, as stated above, and would like you to stand by the apparent ongoing tactic of the sales ****, along with the incredibly delayed response and request for more information, and allow me to end the contract as promised.
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 11/17/2024

  Greetings *****,
  
  We treat each business and business owner as an individual, providing a custom quote based on their individual business model and processing habits. Continuously comparing your agreed upon terms with that of others' that claim a variety of other unsubstantiated situations will not help us resolve your situation. They also don't have any bearing on the service we have provided to you to this point. When you signed the agreement to allow us to provide you with our services you were agreeing to allow us to do as we had committed to do in the quote process. The terms of the agreement were thoroughly covered with you during the signing process, and recently reviewed with you again. At that time it was made clear that there was a 48 month commitment to our partnership in which we would show you savings as well as meet or beat a competitor's rates. We look forward to continuing to be your merchant service provider, and we hope you'll honor the commitment you made when signing with Horizon. Please feel free to reach out to our team with any further questions or to submit an official quote from a competitor for our review. 
  
  Thank You,
  Horizon Payments

  Customer Answer

  Date: 11/17/2024

   
  Complaint: 22460741
  
  I am rejecting this response because:

  "Continuously comparing your agreed upon terms with that of others' that claim a variety of other unsubstantiated situations will not help us resolve your situation."  I have received the sales pitch, deceptively, that this was a month to month service.  The fact that others have claimed the same tells me that you're still using/allowing the deceptive sales method and hiding behind a contract to trap small business owners who don't have a devoted legal department. Caveat emptor, I suppose.

  "They also don't have any bearing on the service we have provided to you to this point."  They are the point of contact for issues relating to your services so any requests for assistance go directly through them.  I've had a price adjustment already before, and I've already been told that you cannot change lease payments which are nearly three times higher through your company.
  
  "The terms of the agreement were thoroughly covered with you during the signing process"  Clearly, they were not, as I have ***eatedly stated that I was told not to worry and that this was a month to month service, cancellable at any time that you cannot make a better offer than another company.

  I will warn other business people I meet with to beware of Horizon Payments deceptive sales practices.  That, no matter what the sales person says, the company itself will not honor it.  Or maybe to get proof of what you're allowing your sales **** to say to make the sale.  I understand that you want to follow the contract to the letter no matter what the sales person said, but as a small business, you're allowing an ongoing practice that is harming the small business owner.  I will have to pay a substantial amount for another 24 months to you, because I was lied to and then put on the back burner for almost two months waiting for a ***ly from your company on the "meet or beat".  No request for specific contract pages or updates or any communication at all while I had to keep paying inflated terms.

  The other company that I have signed on with let me know at the start that it was a 48 month contract, so at least they were honest from the beginning.  I will send over the information I have to your **** now that I've had to go through this site to get a response back.  I expect I will have to wait an excessively long time again or come back here for a ***ly.  Based on what I have been told before by the *** and what you're telling me here, it's likely that you won't be able to beat the price and I'll have to continue paying almost three times more for equipment that I'm no longer using.

  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:10/07/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Door to door sales person from horizon merchant came into my business on 9/9/24 to sell there merchant services. Representative was misleading and lied about the services provided. I specifically asked about the fees involved and was lied to. I also asked if there was any type of contract involved she said no contracts. Two days after I had the merchant installed I noticed the additionally fees and called in, the customer service representative stated all the fees moving forward. I said I was lied to and wanted the services removed. Three days after the installation I stopped using the merchant and requested everything to be removed. Fast forward 3.5 weeks later the company refuses to cancel the account and states I have a two year contract and wants to charge me $478 for the first month even though I stopped using the service after two days. Misled and lied to throughout the entire process. Refusing to cancel and close the account. I want everything closed, $478 refunded and removed immediately.

  Business Response

  Date: 10/08/2024

  Thank you for making contact with Horizon Payments! After reviewing your inquiry, we have confirmed you signed your location through Horizon Payments in September of this year. After processing 164 transactions and over $3,000 in volume, you requested termination because of the surcharge program and the functionality of your deposits. Horizon Payments has solutions for your business to ensure that the deposits appear to your liking, There are also other pricing structures that can suit your needs available. On your current program, you are set to save $265 on a monthly basis. Attached to the notes on your account,  we have documented your request to review your program and request for a refund. Horizon Payments hopes to have the opportunity to discuss the options you have available; we value your business! We will have a manager reach out to you as soon as possible. 
  
  
  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 10/08/2024

   
  Complaint: 22391909
  
  I am rejecting this response because:

  horizons sales person stated I would be saving with the plan she signed me up for and it was the same plan as my previous merchant(she lied)not on bolemu of sales, thats why you are trying to offer me a new plan. Ive been trying to cancel since the first batch hit my account. I was misled and lied to. I was told there was no contract as well. I want all charges for **** waived and services post dated cancelled. I have been trying to cancel for close to 4 weeks now, customer care has done nothing to help with this matter.

  
  Sincerely,
  
  ***** M

  Business Response

  Date: 10/16/2024

  Thank you for reaching back out to Horizon Payments. Please see attached quote listing the program and the active savings against the 4.05% you paid previously signing with Horizon. This was the quote sheet we presented and you signed, acknowledging and approving the program and savings we could show you. You were quoted a total savings of $265 on a monthly basis. If you wish to cancel, you would remain responsible for the penalties tied to your agreement. We have escalated your account for member to discuss this over the phone with you again so Horizon Payments is able to give you the best solutions possible. 

  Sincerely, 
  Horizon Payments

  Customer Answer

  Date: 10/16/2024

   
  Complaint: 22391909
  
  I am rejecting this response because: I was told multiple lies by your sales person.

  1)fees would not be deposited into my account daily

  ******* are no contracts involved

  3)I can cancel at any time 

   

  I have been trying to cancel since I received my first batch deposit OVER 5 weeks ago. My account is still NOT cancelled. Any fees involved for your employees lies will be escalated to my attorney. Please verify that this account is cancelled. Thank you.
  
  Sincerely,
  
  ***** M

  Business Response

  Date: 10/23/2024

  Thank you for reaching back out to Horizon Payments *****! 
  We see that you have been in contact with our team as recent as yesterday, 10.22.2024.
  If you proceed with canceling your agreements, you are responsible for the penalties as there is an agreement term in place. The pricing structure your business was placed on is set on monthly withdrawals, there are no daily fees to your checking account for this agreement. 
  Horizon has escalated your account further to have management reach out to you, we appreciate your business! 
  
  Sincerely, 
  Horizon Payments