Kettering Woman Falls Victim To Work-At-Home Job Offer

November 21, 2013

DAYTON, OHIO, November 21, 2013 – Your Better Business Bureau is warning people about Merchant Services 123, a work-at-home company, offering credit card processing services. An 82-year-old Kettering woman claims to have lost approximately $30,000 to the company. According to the victim, the company’s representative smooth-talked her into signing a contract with the company for a work-at-home job, which resulted in four charges to her credit card for varying amounts ($500, $9,800, $8,200 and $7,200). The victim says she never fully understood what she was getting involved in. In late October, the victim sent a letter to the company requesting to cancel her contract and get her money back.

But, she’s not alone. Merchant Services 123 has had six complaints in the last 12 months filed against it with your BBB regarding advertising and sales issues, problems with product/service, billing and collections issues, delivery issues, guarantee/warranty issues, etc. The company has an F rating with your BBB due to:   

  • BBB concerns with the industry in which this business operates
  • Length of time business has been operating
  • Failure to respond to six complaints filed against businesses
  • Advertising issue(s) found by BBB

 According to your BBB, the address the business is using is 18444 25th Ave., Ste. 240, Phoenix, AZ 85023. A Google Maps search found about 20 businesses have also operated from the same address.

To help you avoid becoming a victim of work-at-home opportunities, your BBB suggests you:

  • Don’t give out personal information, such as your bank account or other personal information, to unfamiliar people or companies.
  • Avoid anyone using high-pressure tactics. A legitimate company will give you time to do your research and make an educated decision.
  • Never sign anything until you fully understand it. Have a family member or friend look over the paperwork for you. Never sign a blank document.

Always check companies out with your BBB by visiting or calling (937) 222-5825 or (800) 776-5301.

If you or someone you know has encountered a questionable business, a complaint can be filed with your Better Business Bureau, local law enforcement and the Attorney’s General office.

About Your BBB Serving Dayton and the Miami Valley

For more than 100 years, your Better Business Bureau has been helping people find businesses, brands and charities they can trust. In 2012, people turned to your BBB 124 million times for Business Reviews on more than 4.5 million companies and Charity Reports on 11,000 charities, all available for free at BBB serving Dayton and the Miami Valley is one of 113 local, independent BBBs across the United States and Canada. To further promote trust, your BBB also offers dispute resolution support for consumers and businesses when there is difference in viewpoints and industry self-regulation programs. BBB serving Dayton and the Miami Valley serves seven and half Ohio counties, including Clark, Darke, Greene, Miami, Montgomery, Preble, Shelby and northern Warren counties.