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I worked for FFUSA. Merchant account executive. I still have all the information here at my desk. I was selling Merchant Account Services for them. They are a credit card service business. I converted 2 vet clinics in my area. My account managers name was Chuck Fowler. Everything seemed legit, until I actually converted the accounts. The next month when the clinics received their merchant statements, the fee's they were paying were higher than the fee's they were paying with Heartland. Their office manager called me and I called Chuck. He assured me that it was just membership fee's and whatnot that made it higher that month and the next month they would go down. I might note here that credit card sales for both vet offices were over $250,000 a month. Lot of commission on that kind of sales. I was a star pupil!!! The next month, same thing happened. I called again...Chuck got mad at me and told me to explain interchange rates and tiers for different cards and it was higher because they weren't making clients use their pin numbers for debit transactions...I worked hard at learning this industry and was getting the feeling that something wasn't quite right. One of the gimicks for getting someone to sign was a cash back program that offered them $100 bucks if their current rates couldn't be beat. I know now this was grey area...just like in car sales. Another gimick was a Cashback program. A percentage of the fee's they paid would go to the charity of clients choosing. With the vet clinics it was animal shelters. After 4 mos...No monies had gone anywhere. The shelters were calling me!!! I called Chuck yet again and told him I felt they were blindsiding people. You must keep in mind, all this time I was getting paid...I was getting residules. I was actually making good money and could track it online thru their website.

Bottom line is this...The vet clinics are still using their system. Kinks got worked out, but I quit because I didn't feel they were disclosing information and some of their practices were not above board. Not sure any of them are. The people at the top get rich, while the moles, like me dig and work for them. I should still be getting monies off my sales...residules. HA!!! Dried up.

The biz is legit, but the people behind it are frauds making themselves rich. They should probably be reported if they haven't been already. Probably a distant cousin of Bernie Madoff.
Janie
 Nov 29th, 2009
763-231-8127
This number shows up on an ad for a recruiter in CraigsList. It gives an hourly rate of $10-16 per hour. Its title is Recruiting in Plymouth.
Thanks for this website, I would have called and tried to get in.
Vi
 Sep 29th, 2009
Thanks for this site. Im sure I dodged a scam with your help.
Phil
 Jul 06th, 2009
Just received the call from Julie. Thank you for the page of messages!
Libby
 Jul 02nd, 2009
They are getting the numbers from job sites like yahoo.jobs. the number is a fax so you can not call back.
Michell
 Jul 01st, 2009
Funny story: I received two e-mails from Melinda this week. One from Melinda HansEn and one from Melinda HansOn. I replied that since she can't seem to figure out who she is I'll take a pass and told her good luck "tearing" it up out there. LaDouche.
Craig
 Jun 18th, 2009
"Hi this is Brittney with First Financial. We have you scheduled to attend a conference call at 4:00pm today. The number you will need to call is 763-231-8177. The pin is 2161. You will want to call early because the conference will fill up quickly. I look forward to speaking with you in an half hour."

note: The number that appeared on my caller id was 763-231-8120.
Anonymous in NC
 May 27th, 2009
I received an email from Melinda Hansen, a human resource representative who invite me to participate in a conference call for an Account Executive position. She claimed I had previous applied with their company, and that they were still looking to fill positions in my area. I have been unemployed since January 2009, and have applied to many positions via internet. It was possible I actually did apply to this organization. I registered to participate in a conference call tomorrow at 3:00pm. However, I became suspicious when I saw I was expected to make a long distance call to join. I realize this sounds petty, but I do not think perspective employers should expect applicants to use a lot of their own resources. Who knows how long the call would last? If you are unemployed, obviously you have limited resources. According the email, FFUSA was voted the best place to work in Minnesota. Obviously, they have more means than I do. My misgivings grew as I reviewed their site as directed prior to the conference call. It provided limited information and required a passcode to access additional information. I did a google search to learn more about the company and found this site. I am glad I did. I never intended to use any of my own money or provide any confidential information. I know to be ware of any company that requires applicants to pay. I would have at the least wasted time I could use to find a real job and incurred long distance charges. Though, I would have hung up had the call lasted over thirty minutes!
Angie
 May 27th, 2009
Hi my name is Julie and I am calling from the human resource deparment of First Financial USA. We've seen your resume online and have a unique
work from home opportunity, were you'll be working with buisiness' in your area. The positionis available full or part time with full training and ongoing support. Please visit our website at IPSCard.com/123. To learn about our company the position and to sign up for a call and to speak to a leader at our corporate office. We look forward to hearing from you.
Lisa
 May 15th, 2009
Hi my name is Julie and I am calling from the human resource deparment of First Financial USA. We've seen your resume online and have a unique
work from home opportunity, were you'll be working with buisiness' in your area. The positionis available full or part time with full training and ongoing support. Please visit our website at IPSCard.com/123. To learn about our company the position and to sign up for a call and to speak to a leader at our corporate office. We look forward to hearing from you.
Karen
 May 01st, 2009
I'm glad that I found this site! I am so sick of scams like this. I guess the best rule of thumb would be: DO NOT RESPOND TO UNSOLICITED EMPLOYMENT OPPORTUNITIES! If you didn't ask them for a job than you don't want a job from these people. Thanks everyone, for all the info.
Wayne
 Apr 11th, 2009
I also received a call from "Julie" at First Financial this afternoon. I did some digging and found their contact information:

First Financial
805 Meander Ct, Medina MN 55340
Toll Free 1-800-678-7610
Local 763-231-8120 • Fax 763-231-8129

Give them a call. Tammy is the head of HR. I'm sure if enough people contact them about this, they'll change their recruiting tactics.
Jason Bryan
 Mar 09th, 2009
I hate julie,I am unemployed, however I am not that green to work for a company that's not even local. Hi my name is julie and Im calling from the human resource dept. what is this world coming too. thanks for the posts guys. let's keep them coming so we can make julie work from home
Juanita
 Mar 03rd, 2009
I got the same call like everyone else.
Dawn
 Feb 19th, 2009
I just got this same message from Julie that everyone else has gotten. My first thought when I listened to it was "SCAM", so I checked and wouldn't you know, IT IS!! I got a call something like this from American Income just 2 days ago. This is another sales scam where you work like a dog for next to nothing while the head people rake in thousands of $$$.
Thomas
 Feb 19th, 2009
I received a call from Julie in regard to a full or part-time position available to work at home. Her message indicated that I would receive training to accomplish the tasks of the (name of the position?). I look forward to your response. Somehow your calls did not reach me.
brad2playpipes@comcast.net
Thank you,
Brad
bradford Hooper
 Feb 09th, 2009
The called my and left a message. Thanks for the web-site info.
Monte
 Jan 21st, 2009
thanks, we all need to educate ourselves from the predators out there looking to cash in on peoples lack of knowledge.
larry
 Dec 12th, 2008
Many thanks to those who have gone before to warn me about this rip-off. As someone who is down to his last few bucks, the last thing I need is another scam! I hope there is a special place for these creeps, sometimes karma takes awhile, but it'll get you.
GreyFire
 Dec 08th, 2008
This is a call to you from a company trying to recruit people to sell merchant services. I found out that they are not all they say they are. I listened to their conference call and it sounded good up until I read about their residual income scam.
JOely
 Oct 09th, 2008
I was leary of the company because I have received 3 email in 2 days from:
Melinda Hansen
FFUSA Human Resources
805 Meander Ct
Medina, MN 55340
So I clicked the link (found it to be a dead link or requiring i add a download to view but microsoft could not authenticate it).
Then I googled FFUSA and found this blog! I'm not a sales person, so i wouldn't have bitten anyway. Just like uncovering and helping to expose scams!
kellie
 Oct 04th, 2008
I got a fax machine ...no one answered.
Peter
 Aug 28th, 2008
I got the exact same message. I think my voice mail must have sensed the scam because it cut the message off after about 20 seconds. I'm so glad we have options to look up numbers!
CP
 Jun 03rd, 2008
I am so glad that I decided to read the scam links for this company before calling. I am disabled and can only work from home. After being ripped off for the so called background check fees, and not getting a position or being forced to download the "free" software required for a position that has to have your credit card info for payment after the "trial period" is over and then not getting the position...I am very cautious. The caller ID name is now Merchant Servic and the number is 763-231-8150, but the message from "virtual" Julie who is with First Financial is the same as the other messages/
Patricia
 May 23rd, 2008
Hi my name is Julie and I am calling from the human resource deparment of First Financial USA. We've seen your resume online and have a unique
work from home opportunity, were you'll be working with buisiness' in your area. The positionis available full or part time with full training and ongoing support. Please visit our website at IPSCard.com/123. To learn about our company the position and to sign up for a call and to speak to a leader at our corporate office. We look forward to hearing from you.
Kay
 May 17th, 2008
I was just about to get on the conference call, until I read all these notes. I guess, I will go back to finding a real job and not waste my time. Best, Jeannette
Jeannette
 May 16th, 2008
Julie called from First Financial and said that she saw my resume online and said she wanted to offer me a great work from home opportunity. She asked me to go online to get further information and I came across all the messages from other people that were contacted.
LindaM
 May 05th, 2008
Hi my name is Julie and I am calling from the human resource deparment of First Financial USA. We've seen your resume online and have a unique work from home opportunity, were you'll be working with buisiness' in your area. The positionis available full or part time with full training and ongoing support. Please visit our website at IPSCard.com/123. To learn about our company the position and to sign up for a call and to speak to a leader at our corporate office. We look forward to hearing from you.
Diana
 May 01st, 2008
No thanks they all cant be saying the same thing if it is not true..Thanks peoplee for commenting!!
Bourbannais
 May 01st, 2008
Same message as Jenn received. They must find us on Monster or Career Builder. Both job search engines are very lax with security for job searchers. It's all about money!
OKC
 Apr 30th, 2008
WHY DID YOU CALL ME AND HOW MAY I HELP YOU ? 269-344-0165
FRED DE VRIES
 Apr 24th, 2008
Hi my name is Julie and I am calling from the human resource deparment of First Financial USA. We've seen your resume online and have a unique
work from home opportunity, were you'll be working with buisiness' in your area. The positionis available full or part time with full training and ongoing support. Please visit our website at IPSCard.com/123. To learn about our company the position and to sign up for a call and to speak to a leader at our corporate office. We look forward to hearing from you.
It's a shame when people are looking for good jobs that people/companies take advantage of the situation.
Joanne
 Apr 23rd, 2008
This is so funny to me, if i type in ffusa scam at any search engine, i find all these ripoff sites that have a comment about ffusa, and when I look at the different sites, the comments are the same at every site. just from the same one person. this person say's they were promised money if they sold allot of accounts. yet he/she only worked there for 6 months and never will say how many accounts he/she opened. and ffusa makes it very clear. AFTER YOU ARE VESTED IN THE COMPANY AND AND OPEN MANY ACCOUNTS, YOU CAN DECIDE TO RELAX AND JUST RECIEVE YOU RESIDUALS. BUT IN ORDER TO RECIEVE YOU RESIDUALS YOU MUST OPEN 1 ACCOUNT EVERY 3 MONTHS, 4 ACCOUNTS A YEAR. YOU HAVE TO PUT THE WORK IN FIRST, YOU HAVE TO TRAIN TO GET ALOT OF ACCOUNTS. NOBODY IS A NATURAL BORN SALESMEN, YOU HAVE TO WORK FOR IT. THERE IS NO SCAM! READ THE TERMS OF AGREEMENT YOU SIGN TO WORK THERE. IT'S ALL IN WRITING. I AM SORRY YOU DIDN'T WORK HARD AND WANTED THE EASY FREE MONEY. AND BECAUSE YOU DIDN'T GET IT YOUR MAD! NOTHING IS FREE
Get a clue
 Apr 22nd, 2008
I signed up to be an independent agent for FFUSA 3 weeks ago. So far, I've only closed one sale. I was able to save the merchant (my client) about $60 per month on their merchant services. HOWEVER, I was informed by my agent director (who I report to at FFUSA) AFTER I MADE THE SALE that because the client 'keyes in' their customers' credit cards more often than they physically 'swipe' them, that I would NOT be receiving any commision. I think I should have been told the rules of the game beforehand, rather than simply being told to "go, go, go, sell, sell, sell!". I'm a little unhappy...
Roadrash
 Apr 22nd, 2008
This is regarding a "work from home" opportunity.

They have found my resume online and have been peppering me with emails about it there, too.
Reggie
 Apr 07th, 2008
They said it was concerning a job to work from home and that they saw my resume on line same as the other people are receiving
Linda
 Apr 04th, 2008
I just got an email and I am not or anywhere near being a sales person. Thankyou
Juls
 Apr 03rd, 2008
Exactly what everyone has been saying. Great Work everyone!
Erick
 Mar 19th, 2008
3/13/08. I got a message from them and an email today. Thanks for the notice.
GJ
 Mar 13th, 2008
I just received the EXACT msg as noted above. Thanks for the responses, seems all responses were posted on the same day 3/13 I suppose they are making their rounds.
NC No Dummy
 Mar 13th, 2008
The scam here is that FFUSA will only provide residuals for 6 months or so then they stop, despite their promises. Additionally, they never explain how the residuals are calculated, they just say 'trust us.' The vice-president of the company, Chuck Fowler, bragged to me about how he makes $250,000 yearly. No wonder. FFUSA gets a lot of people to make a few sales, pays them a pittance for a bonus, then they keep all the residuals after a few months. At least twice a week FFUSA has telephone recruiting sessions where people are promised all this money with ongoing income from the sale. They constantly recruit new agents because the old agents figure out they aren't making much money. People like Fowler get rich off the residuals the sales agents were promised but no longer get paid for. What I discovered was they charge merchants $800 - $1600 for terminals that can be purchased retail for $200 - $400. The standard industry residual split is 50/50 not the 80/20 FFUSA provides before they cut you off entirely.
RipOffReport
 Mar 13th, 2008
First Financial USA (FFUSA) is a merchant services provider. They provide the financial services as well as the hardware for businesses who take credit cards. FFUSA looks at resumes posted online from monster.com or careerbuilders.com, etc. and contacts jobseekers by e-mail. FFUSA looks for people who know nothing about this industry.They promise that if you find merchants willing to use their credit card services that a sales agent will be paid a bonus plus ongoing residual income, 20% of the profit, for as long as the merchant uses FFUSA's service. They really emphasize the residual income as bonuses are both small and if the business is new or never took credit cards before then you don't get any bonus at all.
RipOffReport
 Mar 13th, 2008
Hi my name is Julie and I am calling from the human resource deparment of First Financial USA. We've seen your resume online and have a unique
work from home opportunity, were you'll be working with buisiness' in your area. The positionis available full or part time with full training and ongoing support. Please visit our website at IPSCard.com/123. To learn about our company the position and to sign up for a call and to speak to a leader at our corporate office. We look forward to hearing from you.
Jenn
 Mar 13th, 2008
This is another bum call from bums offering triple digit income from FFUSA. See calls from 763-231-8120. Same junk! Pyramid scam! Shame on them!!!
Gamayo
 Feb 18th, 2008

44 Comments