BEWARE! Echelon Direct is a new company name for this scam. Josh Tornberg a.k.a. Joshua Matthew Tornberg, now age 36 (but looks 46), incorporated his company called JT Consulting Group, Inc. on 2/22/10 and is located at 1410 Grand Avenue, San Diego, CA 92109. If you research this guy, he works for Paradigm Direct. On 3/31/11, a guy named Joe Butler called my business. I explained to Joe that I am not interested in switching my processing company. He kept interrupting me and giving me his sales pitch about providing wholesale rates and having the ability to save me money. I told him I was NOT interested. He was so annoying and pushy, so I finally told him to go ahead and set up the appointment with his Regional Account Manager for 7:30 a.m. the next morning at my office JUST to get him off of the phone. Joe's supervisor, Ryan, called about 30 minutes later. I told Ryan that I was NOT interested in switching, but he insisted that my meeting with Josh Tornberg would change my mind. I told him he could come at 7:30 if he insists. On 4/1/11, at 7:30, Josh Tornberg arrived. He waited for about 15 minutes in his tan Nissan Murano, Arizona License Plate AKN3260, came into the office, helped himself to our notepad and wrote a note indicating that JW was going to call and reschedule for my "upgrade". When my general manager came in and asked what he was doing, Josh rudely told him that he needed to hear him out, since he drove out so early in the morning...blah, blah, blah. When it was clear that Josh was not going to win our business, he started cursing. The GM told him to leave, and Josh told him to "make me". Needless to say, we called 911 on this guy. He is very lucky that #1 he didn't get arrested, and #2 he didn't get the daylights knocked out of him by my GM. The information on the business card he left at our office: Echelon Direct, EDMS, Merchant Solutions, (480) 320-3499 Ext. 3492, (480) 320-3498, Josh Tornberg, Regional Account Manager. I've attached photos of this idiot so that you know what he looks like. After thoroughly investigating this guy, it is very clear that he is not a legitimate business person...no website, no e-mail address, several different business names, threats of a class action lawsuit, all his associates are shady...save yourself some time and money and just hang up on these morons.

How would they know how many charge backs you have? Also, without your business personal information, how would they know your credit score? You're right, got to be a scam!