ComplaintsforHorizon Payments, LLC

• Initial Complaint

  07/18/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I signed a contract with Riverside Payments in 2024 for services from Horizon Payments. The salesman who came into my store said that the contract would be month to month and I could close the account at any time. If I don't like the service after the first month then I could close it. We started services on May 17, 2024. I tried to cancel on June 11, 2024. They refused to cancel. They continue to charge me.The company just told me that the contract is non-cancelable for 48 months, and this is in the fine print. Shame on me for not reading the fine print. Shame on them for mispresenting and lying about the terms, and scamming small businesses that are struggling. Nobody at the company helps you. Nobody answers the phone or emails. They continue to promise that they will solve the problem with no results.

  Business response

  07/20/2024

  Good Morning *********************,

  Thank you for contacting Horizon Payments! 

  After reviewing the details of your agreement, you signed with Horizon Payments in May of this year. 
  Within the terms of your agreement, Horizon has quoted to save your business over $6,000 on an annual basis! We are pleased to report Horizon Payments has saved you money against your previous provider! Up until yesterday, our team was pending documentation of charges you had in question and how they are built in with your pricing structure.
  If you should choose to cancel before the term of your agreement, you are responsible for the penalties in place. 
  Our Management team has been in contact with you throughout the month of July on your questions, we have escalated your request today to have a team member give you a call directly. 
  
  
  Sincerely, 
  Horizon Payments

• Initial Complaint

  07/03/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I signed up for the service on May 13. I was never given a copy of the terms and agreement. I then reached out to my rep on May 22 because no one had called to set up the services. No Response.On May 24 he finally responded and said he had talked to his "NSM" and he would get it taken care of. He asked what number I was calling and leaving messages at. He then gave me another number where I left another message and still never got a call back. On May 27 I messaged him again and said "Still nothing". He gave me another number. June 10th I still had not got any calls back and I messaged him that I wanted to cancel. He asked if I received the Credit Card Processer and I explained that I had not yet.. On June 24 the Credit card processor arrived. I tried calling Horizons and the company Finova to return the equipment and had to leave another message. July 2nd I called Horizons again and said I wanted it completely canceled and he expressed that the cancelation had been under review since June 20. I explained that I talked to someone at the beginning of June and asked to cancel. I was then charged $168 on 1st for the equipment that I have been trying to return. Now anytime I call the company they tell me it is still under review and I will be charged a cancelation fee for a service that I never have used or be able to get a hold of anyone that can help.

  Business response

  07/06/2024

  Good Afternoon *****, 
  
  Thank you for reaching out to Horizon Payments! We appreciate and value your feedback. When signing for our services in May, your paperwork was completed via DocuSign directly from your business email address. The copies of your agreements are automatically sent to your email address for your records after you place your signature.

  The same day you signed through Horizon Payments, your assigned contact called, texted and emailed your business to introduce themselves along with confirming their direct contact information. 

  The agreement in place lists that you wish to integrate with your existing Shopify POS, please keep in mind that with POS integration the process can take on average 3-4 weeks. That time frame allows our team to program your account efficiently and correctly with the parameters that meet your expectations. Your equipment was in transit to your business via ***** when you requested termination of your agreements in place. 

  When Horizon Payments contacted your business, we left several voicemails on your alternate number along with text messages / emails. This has taken place from the time your account was approved through June 18th when you requested to cancel services. As recently as July 3rd, our management team has been in contact with you to explain charges to your account are valid. We would be more than happy to get you a reimbursement should you decide to move forward with your agreement. If you choose to cancel, there are penalties involved. 
  
  Please give us a call directly if you would like to discuss this further, we would love the opportunity to earn your trust and save you money! 
  
  -Horizon Payments

  Customer response

  07/11/2024

   
  Complaint: 21939972
  
  I am rejecting this response because: There was never any attempts to call me before June 3rd. I have text messages with the Rep that show that I was  trying to get in contact with someone from the company the whole time. I submitted a request with my Rep on June 10 that I wanted to cancel- Prior to any equipment being sent out. He said he would take care of it. I finally received a call the week of July 15. Again I requested to cancel. They told me they would put the process through. June 24 the credit card processer arrived. On july 2nd I was then charge $168. Nothing was hooked up at this time. At that time they 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  06/17/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  ***Zero ******************** also goes by the name Horizon/*********/*******. I feel we have been a victim of fraud. Our POS System was not compatible with their equipment, they exclaimed it was plug and play which it was not. We have reported this in full detail to the attorney general office in **. This company has taken money from us for over a year without providing us service as promised a reimbursement and cancellation of contract at any time. They lied for over a year and then denied our cancellation and our refund. We have emails stating the refund and cancellation. They do not return our phone calls. Our representative refused to answer calls. We have now found out he is under investigation. We are not the only company they have done this to. We were told that several people that he had signed up their contract was cancelled and was refunded, but still, we are paying monthly for no services. Then having the audacity to ask me to sign another contract with another company that they are in cahoots with.

  Business response

  06/18/2024

  Hello *****, 
  
  Thank you for contacting Horizon Payments! When signing for services in November of 2022, you requested to continue to use your existing QuickBooks system to process your electronic payments. Horizon has the availability to integrate using the terminals provided to your business, these were requested at the time of signing. 
  Once your account was finalized and customized to your needs, you requested to terminate services.  After our management and escalation specialists were in touch with you directly, we went over the terms and conditions of the agreement. Should you choose not to proceed, you would remain responsible for the agreement in place. If you decide you would like to give Horizon Payments the opportunity to earn back your business, we will be pleased to offer a reimbursement after we have installed your system and there is active processing through your merchant account. 
  With your agreement being signed with us, we would like to take a moment to explain the relationship between Riverside Payments and Horizon Payments. Our company, Horizon Payments, is the company that handles all sales and servicing on your account. Riverside ******************** provides us with the ability to access rates and governs best practices to ensure that all activity is aligned with the requirements **** and MasterCard put out for the industry. 
  We are happy to get you installed and processing payments, if you would like to move forward, please get in contact with us directly.
  
  Sincerely, 
  Horizon Payments

• Initial Complaint

  05/17/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I signed up with Horizon Payment in November for a mobile reader. I only used the reader twice as my clients prefer to pay via invoice. I started contacting Horizon Payment to see how I can setup invoices and never got a call back and responds to emails will take days and weeks. Then in March I started seeing unauthorized charges I emailed and called and no one will call me back. I had one email response saying they opened a ticket for a refund and no refund was processed. In April I was once again charged for $190.90 for not using the service. Once again no response to calls or emails and now we are in May and I was charged $190.90 again. I have been wanting to cancel my service as I am losing money and keep requesting a refund with no help. I spoke to ****** last Friday he said he will call me back to resolve everything by Monday now it's been 1 week since that call and no response. Horizon Payment is a scam and I regret signing up with the nice rep that approached me.

  Business response

  05/20/2024

  Good Morning *****,

  Thank you for contacting Horizon Payments! 
  Our team has provided your business with a mobile reader to enable mobile processing as well as the ability to offer invoicing for your clients. Reviewing the details on your account, our tech support team has reached out several times in the month of March to give you additional training tied to utilizing our invoicing features through both EPN and our online web portal available to your business. Our team reached out on March 15th, March 19th, and March 28th of 2024 to go over the tools available, both options have the ability to invoice your customers electronically if they choose. 
  The charges you are referencing are tied to an active merchant account along with PCI requirement fees that you have not fulfilled. Horizon Payments has noted that you wish to cancel services due to this, we have solutions for your business and would like the opportunity to show you this agreement can benefit your business. We are also willing to give your business credits in good faith, should you decide to proceed with your agreement. Your account has been escalated and we will have someone get into contact with you today from our escalations team. 
  
  
  Sincerely, 
  Horizon Payments

  Customer response

  05/20/2024

   
  Complaint: 21728327
  
  I am rejecting this response because: As you can see from my email screenshots both **** and ****** let me know I would receive a refund which I never received. **** walked me with setting up invoicing on the web and I let him know it did not work. Not once in all my communication was I told about the *** Compliance if not I would have done that from day 1 in November. Due to this miscommunication and being told that I would get a refund from all my charges I should get this refund even if I cancel. I was told when I signed up that if I did not see the savings I would not be penalized and as you can tell I am not seeing savings as I'm losing money. 
  
  In good health, 
  
  *****************************

  Customer response

  05/30/2024

  I would like to receive an update on this. Its been months trying to end this service with no success. I cannot afford to have large amounts taken out of my account every month for a service Im not using. I have not received any savings instead my business has lost money because of this. I do not understand how a company that sells you on 24/7 customer service cannot offer customer service. 

  Business response

  05/31/2024

  Good ********************, 
  
  Thank you for your follow-through on your agreement. 
  The refund request you are referencing was put in place as a request for management to review for processing. Once the refund of $91.90 was reviewed, it was confirmed that you were utilizing our services at that time while processing your electronic Payments through Horizon. Your request to terminate the agreement was placed and our management team will continue to be in contact with your business. 
  
  Sincerely, 
  Horizon Payments

  Customer response

  06/04/2024

   
  Complaint: 21728327
  
  I am rejecting this response because: in total not including June I have been charged $473.70 for services I am not using. Since receiving the mobile reader I only used it twice for two low amounts. $473.70 is way more then what I even processed in those 2 small transactions. I keep being told I will get my issue resolved and someone will reach out. No one has reached out. I keep getting emails when I send an email saying they updated my ticket and someone will reach out   First response from you on this platform stated someone will reach out and no one has reached out. You are purposely dragging this situation to keep scamming me out of my hard earned money. I regret the day I listened to your sales rep when she mentioned I will save so much if I switch from square. Square never scammed me and the fees were clear. I have not seen savings you are hurting me financially and I would like a full refund and my account to be cancelled. I do not want to see any charges this month. This is unacceptable that no one answers your calls, your sales rep have zero access to the accounts they sign and cannot help. This company scams you by making you think you will save money. 

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

  Business response

  06/14/2024

  Thank you for reaching back out! 
  Reviewing the history on your account, it is confirmed your business processed for the months of December 2023 and in January 2024. For February 2024 through current, there is billing in place due to factors such as PCI compliance. Since June 5th (when these matters were escalated), our team has tried to make contact numerous times to cover the details with your business. 
  We are pleased to report that we spoke with you yesterday and are processing credits back to your account once you have plugged back in your terminal. Please give us a call if you have any questions! 
  
  Sincerely, 
  Horizon Payments

• Initial Complaint

  04/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I signed with Horizon/Riverside and after less than a month they shut down my account. They have been holding over $40,000 in reserves since February and are still continuing to charge me $530 a month. There have been dozens of tickets opened with tech and support but no one responds or returns calls. When signing up it seems I was told a bunch of lies and Im hoping this can be resolved without an attorney

  Business response

  04/25/2024

  Good Morning Vadim,

  Thank you for contacting Horizon Payments!
  Your merchant account was shut down on the ********** platform due to a *** (Terminated Merchant File) match. Your information is a direct match with your name and phone number being on the Master Card MATCH List for reason code 04 - this is for excessive chargebacks with transaction disputes. You were placed on the MATCH list by the previous processor on 09/17/2021. To remove your information from the *** list, you would need to speak with your previous processing company (we dont know who that is) regarding this issue. If you are able to resolve the issue with them - then your name could be potentially removed from the universal list. At this time, the ********** Platform made a decision to terminate the existing account number.
  We may have the option to place you on a alternative platform if you are not able to resolve this with your previous provider. We will have someone reach out to you by the end of day today to discuss the options available along with credits if they are applicable. 
  
  
  Sincerely, 
  Horizon Payments

• Initial Complaint

  04/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I entered into a contract with Horizon/Riverside and was forced to take clover equipment that I was told was part of my contract and I wouldnt be charged additional for it. My business is all online and I never opened the equipment box but they closed my account and now refuse to take the equipment back. All I want is to return the equipment and not be charged anything else.

  Business response

  04/25/2024

  Good Morning & thank you for reaching out to Horizon Payments! 
  After reviewing the details, it is confirmed that the units sent to your business were FD150 units and pin pads. These are terminals listed on your paperwork at the time of signing, there were no Clover units sent to your business. 
  Currently, you have payment processing online and were previously utilizing Bitcoin and Zelle payments prior to signing your agreement through Horizon Payments. Because of the nature of your business, our main payment platform shut down your initial merchant account you were actively processing payments through.
  Our team has applied for approval on an alternate high-risk platform for you to continue your merchant services, currently there is no approval for your business. This is because there is an ** Component **************** listed through your site. 
  We have placed your account under review and will have someone from our management team contact you to discuss the details further. 
  
  We appreciate your patience and value your feedback, 
  Horizon Payments

• Initial Complaint

  04/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company has been a total fraud from the beginning. When I signed up for services the little guy came in and he (******) and *********************** both said that the services were $189 a month flat and all credit card fees would go directly to the customers through the clover. This is not true, the first month I was charged $223.23 and then $68.89 from clover which again I was told $189 flat fee, not clover can charge you more too. I was also supposed to receive 1 clover and 2 go cloves which I only received one clover and one go clove and no one ever returned calls to set it up so it is literally still in the box it was sent in. They also promised a free iPad and TV for signing up which was never sent to me. Next the credit card fees all came to me and I spent $1700 in credit card fees just for March. I sent multiple emails and left voicemails for this company throughout March and when finally able to get in touch with them on ***** 10th they want to charge me $695 to cancel their fraudulent lies. I told them I just wanted to send back their equipment and would even pay the fee for ***** since it is now the 10th but they insist I pay this early termination fee. I should not have to pay a termination fee for services that I was told I would receive but received something totally different. It is not a breach when what they said was lies from jump. I just want to break ties and be done and I should not have to pay a termination fee when the services I was promised was not given. I do not desire any refunds they can keep what they have gotten I just don't want to pay a termination fee when I did not receive the services promised. The promised TV and iPad they never sent is worth more than the $695 so the company got to keep their stuff so they should take their termination fee with their misconceptions and lies.

  Business response

  04/11/2024

  Can you please move this over to Horizon Payments?
  This merchant has signed with them, see attached. 
  

  
  

  Customer response

  04/16/2024

  When this was started I was still in my 60 day window to cancel per GA regulations.  As you can see on the merchant info sheet they sent there was supposed to be an IPAD and TV which was never sent.  Again, all I desire is for them to send me a box to send back their equipment and not pay an early termination fee because it has not been 60 days yet and there were fraudulent in their sales pitch.  If their services would have been as promised I would have kept their service.  I have not used their terminal since I have been trying to get services cancelled and their equipment returned. 

  Business response

  04/26/2024

  Good Afternoon ******, 

  Thank you for contacting Horizon Payments!
  When signing for services, the program selected was our Cash Discount Program. This program allows our merchants to eliminate credit card fees all while rewarding your customers.  We do this by automatically adjusting your prices to offer a reward to customers paying by cash. This reward is in the form of a discount. If there were charges outside of the cost agreed, we would be more than happy to review the charges with you thoroughly. The Clover charge you have mentioned for $68.89 is a app market cost through the Clover POS system. If you choose to use any third-party apps within the system, you are responsible for the costs incurred. 
  According to our records, there was 1 Clover Solo shipped to your business along with a Clover Go. If you are requesting additional equipment, Horizon Payments would like to take some time with you to discuss this over the phone as soon as you are available.  We can also address your concerns on the termination fees if you were to terminate your services, we hope you allow us to prove how this relationship can be beneficial for your business as well as being profitable and saving money against your previous provider! 
  
  Sincerely, 

  Horizon Payments

  Customer response

  04/26/2024

   
  Complaint: 21558312
  
  I am rejecting this response because:  the program I signed up for was the Covid program.  There was not a single mention of any cash reward program because we only use the system for cards and not cash because we use quickbooks for invoicing.  I would not sign up for a cash program because we don't use the system for that.  Also I do not have any clover app I don't know what they are talking about.  I never even got information so I could set up merchant account to see the fees and such I am being charged.  So I don't even have access to look at any account information period.  Again, the iPad and TV listed plainly on the paperwork that BBB has been provided was never sent to me.  Also on the paperwork you see that it was supposed to be a solo and 2 go's but only received one go and it was never set up because no one would call back to set up.  I have not used the system since I finally got sick of trying to make contact and contacted the BBB.  It is sitting on a table waiting to be shipped back.  The company was fraudulent from jump and now trying to be fraudulent saying I signed up for a cash program which is not accurate.  I just want services cancelled, send me a way to send back the equipment I am no longer using, and just cut ties.  According to GA law I have 60 days and when this was started it had not been 60 days.  I am not asking for any money already spent to be refunded, just get your equipment, cut ties, and no service cancellation fees because the services I was told I would receive I did not, including the free gifts to start up services.  
  
  Sincerely,
  
  *********************

  Business response

  07/14/2024

  Good Morning ******, 
  
  Thank you for contacting Horizon Payments!
  When signing for services, the program selected was our Cash Discount Program. This program allows our merchants to eliminate credit card fees all while rewarding your customers.  We do this by automatically adjusting your prices to offer a reward to customers paying by cash. This reward is in the form of a discount for paying with cash as opposed to paying with a card. If there were charges outside of the cost agreed, we would be more than happy to review the charges with you thoroughly. The Clover charge you have mentioned for $68.89 is a app market cost through the Clover POS system. If you choose to use any third-party apps within the system, you are responsible for the costs incurred. 

  
  According to our records, there was 1 Clover Solo shipped to your business along with a Clover Go. If are requesting additional equipment, Horizon Payments would like to take some time with you to discuss this over the phone as soon as you are available.  We can also address your concerns on the termination fees if you were to terminate your services, we hope you allow us to prove how this relationship can be beneficial for your business as well as being profitable and saving money against your previous provider! 

• Initial Complaint

  04/08/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 2/17/24 l signed up with horizon payments. They sent wrong equipment out. Didn't receive printer. *********** quit due to the lies they sold me. He could not get a resolution. They have taken 100's of dollars out of my bank account. I've never processed cards with them because l never could ************** up as l was not sent all of it. I have had to put a stop payment on my bank account. Received collections letter today. I have s l ent countless hours on the phone with these people. Numerous emails sent with no reply. I was not suppose to be charged anything until l started processing with them. They keep giving me the run around. They did not hold up to their end of the contract as far as sending me the right stuff to operate. I have been thru torment since the day that guy came in and l signed up with him. He could not get a resolution and left the company due to them lying to him and me. I have called a million times, only to keep getting put off to somebody else. No one is willing to help me. I will not do business with a company like this because l no longer have trust since they stole money out of my bank account and will not refund it. I can't use their equipment because it isn't what they said they would send me. I needed to be able to operate just as l am now, and they could not provide like they said they could. They did not keep their end of the contract and l want out! They have taken several hundred dollars out of my account. I never paid them anything. They were not suppose to take anything until l started processing with them.

  Business response

  04/10/2024

  Good Afternoon *****, 
  Thank you for contacting Horizon Payments!
  After carefully reviewing the paperwork signed on 2.17.24, it's been confirmed that you requested a Clover Duo and assistance with Floral Software through the Clover POS. Horizon shipped your Clover POS after carefully programming it for your business on 2.27.27, arriving at your location on 2.28.24. We are sorry to hear you have received charges since you have signed for services, there is an automatic billing system in place on active accounts. We are happy to credit back your account for the charges received should you proceed with installing your system. Our technical support team made contact with you on 3.8.24 after several attempts to schedule your system, at that time you notified us that the screens you received were smaller than you wanted. Our management within tech then took your account fully over to research what system would work best for your business as well as provide you with a printer per your request. We have been working on getting you a different system than what was agreed to at the time of signing, now you have requested to terminate services. Please allow us the chance to deliver you the savings promised as well as the service that we are capable of providing. We will have a manager make contact with you today, thank you! 
  
  
  Horizon Payments

• Initial Complaint

  02/21/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  ***************** / Horizon has not held up to their promises. I have a very cyclical business and most of my processing is March, April, and October. I was told that any month I had no processing I would not be charged a fee. I was told numerous times its in the contract there will not be any issues. These promises were not kept. January 2024 comes around and after calling customer support I was told they were no longer my processing company. January they took their "no processing fee". February they took their fee three times. Contacted their customer support and received a response of we will have an agent get back to you. Still waiting for a response from agent.

  Business response

  02/22/2024

  Good Morning,

  Thank you for making contact with Riverside Payments, your account is currently through Horizon Payments. Riverside assists Horizon in gaining access to what they need to conduct business. You are signed as a Horizon account and this matter should be moved over to them. We have advocated on your behalf, as you have brought this to our attention - someone will be in contact with you by the end of day today. Reviewing Horizon's details on your merchant account, it appears your merchant account was closed due to ACH rejects after banking was updated and you did not provide information to Horizon. There are credits pending and it appears you spoke with someone as recent as yesterday, Horizon has scheduled contact with you until your concerns are resolved. 

  Sincerely, 

  Riverside Payments

  Customer response

  02/23/2024

   
  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.

  I have received a full refund.
  
  Sincerely,
  
  *****************************

  Business response

  07/14/2024

  Hey *****,

  After reviewing your account, it's been determined that we followed protocol in regards to your cancellation request. We performed rate reviews and made pricing and account setting changes to better fit your business. You were still not wanting to proceed with using our services so we closed your account and issued more than adequate refunds to satisfy the outcome you had requested. It's unfortunate you did not give us the chance to save you money on your processing services, and we welcome the opportunity to do so in the future if you change your mind. Please reach out if you have any questions in the future. 

  Thank you,

  Horizon Payments

  Customer response

  07/14/2024

   
  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

  11/28/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  We have had consistent issues with riverside payments/clover. We signed up last june (2022) and were told multiple times that they would be our rates with square, and showed us numbers that were going to save us $300-$400/month. They also pre-qualified us for almost $30k in capital and said that they would be able to pay off our current loan with square with that as well. All of this has been wrong. Even after rate reviews, adjustments, and refunds, we are still paying more than we were with square, our clients are having issues with hold amounts being put on their transactions, and we have NEVER been able to get ANY capital because clover does NOT pay off square loans. For our business we have had to subscribe to multiple apps and pay extra monthly to do the same things that were wrapped all in one on square, and we are paying MORE for this system, as well as still having to pay for our Square loan! i have reached out MULTIPLE times to try to cancel, they said they could waive the $695 cancellation fee but that my equipment lease is NON CANCELLABLE! We are being charged $255/month for the equipment we have (card reader, POS, drawer, and 2 Flex Readers). For the remainder of the contract (over 3 years) it comes to over $9000!!!! They want me to pay that up front in order to get out of it! This equipment in total only costs around $1500 total, so in the last year and a half of using it, it has already been paid for. We recently had a break in and are recovering from the damages, while going over bills, we decided it would be best for our business to cancel this and go back to square, so that we can go back to having everything in one place. And are actually considering going cash only for a while until we get caught up on things. I have called multiple times since at least september trying to get numbers sorted out and to see if we can cancel. Every time i have been told that someone will be back in contact with me, and it wasn't until recently i got the call.

  Business response

  11/29/2023

  Hello,

   

  We apologize about your concerns but it seems your account is not with ********************** at all, this account is with Horizon Payments. We are not Horizon Payments, but we have sent your concerns to them on your behalf in good faith hoping they can resolve and assist you.

   

  Best,

  Riverside Payments

  Customer response

  12/04/2023

   
  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.  I look forward to hearing from horizon payments ASAP
  
  Sincerely,
  
  *******************************

  Customer response

  01/02/2024

  I guess i am extremely confused, as communication i have received as well as my bank statements say RIVERSIDE PAYMENTS as you can see from.the email screenshots and bank statement screenshots i have attached... i initially responded that i was satisfied with their response UNTIL i looked into my emails to see where my confusion with riverside came in,  because obviously riverside and horizon sound nothing alike.  These emails even have RIVERSIDE PAYMENTS ADDRESS

  Business response

  01/23/2024

  Good Morning *********,

  Thank you for taking the time to follow up on your request! I wanted to first take a moment to explain that Horizon Payments is a Sub-ISO/sales ****** of ********* payments.. Horizon Payments is the company that handles all sales and servicing on your account. Our role in this matter is to ensure that proper sales practices are followed that align with the requirements **** and MasterCard put out for the industry. We have many Sub-ISO's who work with us because we have the relationship with the banks and the processors that ensure you receive your deposits on time, we have escalated the account further to provide clarification to your business and connect with you today.

   

  Sincerely, 

  ********* Payments

  Business response

  02/01/2024

  Good Morning *********,
  Thank you for taking the time to follow up on your request! I wanted to first take a moment to explain that Horizon Payments is a Sub-ISO/sales ****** of ********* payments.. Horizon Payments is the company that handles all sales and servicing on your account. Our role in this matter is to ensure that proper sales practices are followed that align with the requirements **** and MasterCard put out for the industry. We have many Sub-ISO's who work with us because we have the relationship with the banks and the processors that ensure you receive your deposits on time, we have escalated the account further to provide clarification to your business and connect with you today.
  
  Sincerely, 
  ********* Payments

  Business response

  02/09/2024

  Good Afternoon *********,
  
  Thank you for reaching out on this matter again. As we have previously discussed the relationship between Riverside and Horizon, I will not dive completely into that again, however as a recap, Riverside is the regulatory body for Horizon as a Sub-ISO. Riverside assists Horizon in gaining access to what they need to conduct business. You are signed as a Horizon account and this matter should be moved over to them. We have advocated on your behalf, seeing as you have brought this to our attention, and they have solutions for all of the items that you have brought up in your complaint including the agreement to pay off your loan with Square, the Clover application charges, and the overall cost of your equipment.
  
  In speaking with the Horizon team, they have attempted to contact you via text, call, and email on the following dates:
  2/8/2024
  2/5/2024
  2/1/2024
  1/30/2024
  They are working diligently to rectify these issues for you, but they require some additional documentation and a conversation with you to get these things handled. They are indicating you are still processing with them which is great, but in order for these items to be handled, they need to get in touch with you ASAP. Please call them back at ************.
  
  Best,

  Riverside Payments

  Business response

  07/14/2024

  Good Afternoon *********,

  In regards to the confusion you expressed about your statements showing Riverside Payments when you signed an agreement with Horizon Payments, it's actually very simple. Riverside is Horizon's parent company. Much like you are not the listed person that signed the agreement with us, ***************************** was the signer, and would assume that is who owns the business. It's that same type of organizational structure as ********** having many different supermarkets operating under their umbrellla. They have **** *****, QFC, ****** ******, etc. There is a corporate name and a doing business as name. I hope this brings clarity to your confusion.

  Furthermore, your account has been cancelled with the waiving of the *** as well as no longer charging the monthly lease amount that you agreed to be responsible for when signing the agreement in the beginning. We also have issued refunds to help alleviate the burden while your business was going throug a rough time. I hope we've now satisfied your requests and can resolve these lingering issues. Please feel free to reach out if you have any questions.

  Thank you,

  Horizon Payments

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