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:06/03/2025

  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.

  In April of 2023 my husband and I bought a business in our home town. We had been in business for ourselves for five years at that point but had never owned a business where a credit/debit card machine was needed. The owners at that time had been doing business with Azura Leasing but they were unhappy with them and encouraged us to shop around. After we officially bought the business the previous owner and I sat on the phone with Azura and asked what could be done. Azura informed me that there was time left on the current lease and we would have to either let that time run its course or pay an insane amount of money in fees. Then, I was told I had to purchase a new machine, the current one was obsolete, and I had no choice and then they made me sign what I thought was a transfer of ownership. We began getting charged $65 a month for the machine (its $250 on Amazon for the exact same machine) and the credit card fees were horrendous and all over the place. Later, a few months ago, when the old lease shouldve been more than up, we found another credit card company. I wanted to sign on with them so I called Azura and was told that what I had actually signed was a whole new 48 month contract with Azura leasing and some other third party who I had never heard of was now processing our payments. On top of all this, they tried to force us to take out an extra insurance policy on the machine. Excuse me? All equipment in our building from floor to ceiling is insured with our insurance company. Now, they are sending threatening letters to our HOME address and calling us daily multiple times a day on our personal cell phones AFT** having been asked to stop. I feel I was mislead, lied to, bullied, forced into something I didnt want and now, I am being threatened. This is has caused severe emotional duress for myself and my husband. We have both been to the ** recently due to the stress. I am asking the BBB to thoroughly investigate Azura Leasing. They must be stopped.

  Business Response

  Date: 06/04/2025

  Azura Leasing deals exclusively in business to business contracts.  There is no identifying information in the complaint for us to use to  locate this account in our system.  Can the consumer please advise the name of their business so we are able to investigate?

• Initial Complaint

  Date:05/19/2025

  Type:Billing 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.

  When I signed up for credit card processing, the sales representative never disclosed that the credit card terminal lease was through a separate third-party company (AZURA Leasing). I was not given a lease to review or sign separately, nor was I told the lease would be non-cancelable, even if I canceled processing or closed the *********** business has been permanently closed since 2024, and I canceled credit card processing shortly after. I no longer have the terminal or use the service, yet AZURA continues to withdraw payments monthly.I believe this lease was entered under misrepresentation and lacked transparency. I am requesting:A release from the remaining lease obligation;A copy of the original lease agreement;A stop to future charges.

  Business Response

  Date: 05/20/2025

  We appreciate the opportunity to respond to the complaint submitted by ****** ****.  Azura Leasing is committed to transparency, integrity, and providing high-quality service to all of our clients. We were surprised and disappointed to receive this complaint, especially in light of recent direct communication with the customer on this exact matter. On 5/19/****** customer contacted our office with similar concerns. Our team responded promptly the same day, providing a copy of the signed lease agreement and thoroughly explaining the leasing terms.
  
  To clarify,prior to the execution of the lease, Azura conducted a recorded phone call with the customer. During this call, our representative clearly identified Azura as a separate entity from Capital Payments and explained the nature and terms of the equipment lease. This conversation was detailed and professional, and we stand by the clarity and thoroughness of that disclosure. 
  
  The customer also holds a separate, active lease with Azura for another business she owns.That agreement was executed prior to the lease in question, and she continues to meet her obligations on that lease without concern or complaint, further demonstrating that she was familiar with our role and the leasing structure. As a courtesy to her long-standing relationship with Azura, we extended an offer of a reduced payoff offer yesterday in an attempt to resolve the matter amicably and fairly even though the lease is valid and enforceable.Despite our best efforts, we were then notified of this complaint, which we believe misrepresents the facts and omits critical context.
  
  It should be noted that the customer has stated she will not consider removing this complaint until a financial settlement is reached. We find this deeply concerning, as it places undue pressure on businesses and could be interpreted as an attempt to leverage the BBB platform inappropriately. We ask that the BBB encourage the appropriate and ethical use of its services so they continue to protect consumers and honest, ethical businesses alike.
  
  Azura Leasing welcomes a full and impartial investigation into this matter. We are confident that any objective review will confirm that we acted in good faith, with transparency, and in accordance with industry best practices. We hope this response provides helpful clarity and we remain available to cooperate further as needed.

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23349859
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** Vape Town 

  I appreciate Azura Leasings response, but I feel it misrepresents my situation and intent.
  
  
  I filed this BBB complaint before receiving any response to my direct outreach to Azura because I was not getting a reply and felt stuck in a lease I did not fully understand when signing up through the credit card processing company.
  
  
  At the time of signing, I was never clearly informed that this was a non-cancellable lease with a third party. While Azura references a phone call, I dont recall being made aware that this was a binding, separate lease contract with no way out especially as a small business owner signing up through what I believed was one service.
  
  
  Since filing this complaint, Azura offered a reduced settlement, and I agreed to pay it in good faith not to pressure anyone, but to resolve this fairly. I only asked that they provide written confirmation that the account would be closed after payment. Instead, they refused to complete the settlement unless I withdrew my BBB complaint first, which puts me in a very difficult position.
  
  
  Im simply trying to resolve this matter properly and protect myself from further financial harm now that the business (****** Vape Town) is closed. I have done everything possible to be cooperative and reasonable.
  
  
  Thank you for your continued assistance.
  
  
  Sincerely,
  ****** ****
  
  

• Initial Complaint

  Date:01/27/2025

  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.

  I tried using this as a POS system for our coffee shop with two drivethrough windows. It is not friendly to our customers and I was told that they agreed that we WOUlD TRY IT TO SEE IF IT COULD WORK FOR US. It did not. I lost a barista of 10 years because she couldn't get it to work and now I have new baristas who say they cant use it either. Its too cumbersom they dont like it the customers dont like it. It is a waste of time and money. I talked to the owner and now he says we cant get out of the trial agreement. Ineed this to be canceled ASAP. This is wrong to havw such a bad system and not allow us to get out of it. This morning the barista tried to work it and it failed on her so she immediatesly went back to our old POS system. I will mail this system back because it is a fail. when I spoke to Clover they said we could cancel but the owner says we cant

  Business Response

  Date: 01/28/2025

  We are unable to locate this contract with the information provided.  Since we only work with business to business commercial contracts, can the customer please provide the legal and *** name of the business?

  Customer Answer

  Date: 01/28/2025

  My manager spoke with them again today for over an hour and they agree they cant help us make this system work for our business. They clearly are not set up to do this type of business and they lied and said they had done other busidnessed like ours.  I was charged another ****** and they will keep taking money out of my bank account even though this POS system has actually made customers mad and other customers drive off because it is so slow.  Not appropriate at all for this business

• Initial Complaint

  Date:11/16/2024

  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.

  I think the uploaded document explains the situation. To add a little more detail, we have paid two months of payments @ ****** to Azura, who names themselves as Leasepymt LogicalLease CCD on our bank statements. The credit card processing company with whom Azura is affiliated told us that we were paying $250/month in penalties because our current equipment is old. We were not paying such a fee. In fact, there is no way for the Credit card processing company to know what fees we were paying or if we were paying any penalties. This is why we thought they worked for Clover, with whom we have done business for our credit card processing needs. The card processing completely misrepresented themselves. It's clear from the numerous complaints in the BBB forum that Azura is aware that the company with whom they are affiliated is not forthright in their business dealings. Azura's method of handling the situation is to blame the card process, play the victim, and assume no responsibility for themselves, even though their paperwork (i.e. contract) is distributed and processed by the credit card company. Lastly, Azura is solely responsible for the drafting of the contract which affords the lessee no rights whatsoever ever and absolves Azura from any responsibility. The contract even states that it's a non-consumer contract, which means I have no rights as a consumer. I am no lawyer, but this arrangement smacks of an unfair contractual agreement. Azura should be ashamed that they are party to such a contract.

  Business Response

  Date: 11/26/2024

  Dear BBB, we have reached out to the vendor that sold them this equipment. They emailed us yesterday that they are speaking with customer to try to rectify their concerns. They are closed until Monday for the Holiday. I will get back to you ASAP. Can you give us another week to respond?

   

  Thank you
  

• Initial Complaint

  Date:10/15/2024

  Type:Sales and Advertising 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 was contacted by a processing company saying they could lower my charges and fees. They sent me many things through email to complete the switch over process. After a couple months I realized I was being charged $70.50 from a third party (leasing company) optima (azura). After 2 1/2 years I was definitely not saving money actually it was costing me more now between both of these companies. I was absolutely fooled into the leasing company. So I had enough. I sent back the machine with a tracking number. Contacted my bank and canceled both of these companies. I then received a nasty email from azura explaining I was in default of contract. The following week (last week) I received a threatening phone call to my business. If I dont pay remaining amounts they will bring me to court and or collections. I replied with looks like Ill be talking to my lawyer. The man was nasty and threatening. Today I received another email a final notice before legal action. They have there machine. I have paid them way more than its worth!

  Business Response

  Date: 10/22/2024

  On April 21, 2022 our office received an application for lease financing through one of our trusted vendor partners.  Ms. ***** had signed an equipment lease application and provided additional supporting personal documentation for approval.  Based on the credit worthiness of her business as well as Ms. ***** as a personal guarantor, we approved her lease application.  On April 26, 2022, ******** signed a Delivery & Acceptance Certificate confirming that the equipment has been received and installed and was acceptable for her purposes.  Based on all of our criteria being met, her lease was commenced.  As part of our policies and procedures to maintain honesty and transparency with our customers, we promptly mailed out a Welcome Letter accompanied by a copy of Ms. ****** executed lease agreement.  ******** faithfully paid her monthly payments until October 2024 at which time she placed a stop payment on our debit without contacting us.  ********** reached out to her to make effort to cure her default.  Ms. ***** stated she was returning the equipment and refused to make payment.  We explained to her that as per agreement, she was required to make all contractuals payment until the end of her term.  She stated she would be speaking to her attorney and reiterated her refusal to pay.  Our standard operating procedure for a refusal to pay is the generation of a final demand notice, which we sent to her on October 14, 2024.  As is outlined many times in the agreement Ms. ***** signed, this is a non-cancelable agreement for the length of the contractual term.  We are a separate entity from her processor.  Her claims about not realizing the saving she anticipated with her processor are completely outside of the contract we hold with her.  The equipment she is leasing could have been reprogrammed by another processing company.  We do not show record of having received her equipment.  We would recommend she contact whomever she sent her equipment to in order to have it returned to her.  Regardless of whether or not she maintains possession, she is contractually obligated to make her remaining payments. 

• Initial Complaint

  Date:05/08/2024

  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.

  Complete scam of a company. Initially believed I had to upgrade my processor to be pci compliant. I had no idea this was a third party company with their own processing machines. A machine shows up and from the start I am charged random amounts of money. The customer service number is a joke. If and only if they answer they simply put you on hold until they disconnect. Fraudulent company with predatory lease agreements. Stay away!

  Business Response

  Date: 05/20/2024

  This consumer has filed their complaint against the wrong company.  Azura is not a processing company.  We do not have any relationships with equipment companies.  It sounds like they need to contact their processor.

• Initial Complaint

  Date:03/14/2024

  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.

  Someone reached out to me and promised to lower my credit card charges if I switched over to their company on December 1, 2023. I did so not being told that they have a separate company of their choosing to lend the machine. Therefore, when I received a contract from Azura, that's who I thought I was doing business with. Azura never told me they were only one of the companies involved and that if I didn't like the other company, they didn't care. Since December of 2023, Azura has taken their cut of money from my bank account but I have not received a single ***** of my money from them! I have made a total of 12 phone calls and several emails including speaking to a manager and at this point do NOT want to do any more transactions with this company seeing as how they keep the money anyway! I was told, "I'm sorry, but if you don't want to do business with us, just return the equipment and pay us $2653.00 and we can cancel your contract". Azura talked me into giving them a try and when they completely FAIL on their end to do what they state they will do, Azura has the audacity to tell me I still owe several thousand dollars to them?! Today is March 14,2024 and I HAVE NOT SEEN ANY OF MY MONEY I HAVE RUN THROUGH THEIR MACHINE SINCE DECEMBER 1, 2023! I just want to return their equipment, receive the money that is due to me, and the money they already took for processing the money I have not yet received they keep since I"m hoping to eventually get this money!(I have documentation of each phone call and copies of all emails - too large even individually to upload according to your site)

  Business Response

  Date: 03/14/2024

  Good Afternoon!  We do not have any record of a transaction with ********* ***** in our database.  Can the customer please confirm the legal/dba name of their business?  That said, our office has had no contact with **********************.  After reading her complaint, it sounds like she has filed it against the wrong company.  Azura Leasing is strictly a finance company.  We provide financing opportunities for small businesses for agreed upon terms with our approved vendor partners.  We do not offer merchant services and we do not participate in any sales process.  We would recommend the custom to contact their merchant services provider as it sounds like that is who she has been corresponding with.

• Initial Complaint

  Date:02/27/2024

  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.

  I tried to cancel our accounts because I noticed several inaccurate charges. It was difficult to get through to the company after calling multiple times. The times I did speak to a representative, they were rude, not willing to help, and kept deferring the calls to another department or person, but the calls would get disconnected. I have ongoing payments taken out of my business ACH account $200 to $300+ on a monthly basis without using their services, as well as returning their products months ago. Discussing with my bank about fraudulent ACH transactions without proof of usage, and now I have threats for my business credit being affected. This is a scam company and I just want to get rid of any affiliation with Azura Leasing and their partner or parent company *********, which they charge interchangeably with. I never want to work with a dishonest, fraudulent company ever.

  Business Response

  Date: 02/27/2024

  ************** has filed a complaint against the wrong company.  It sounds like he has been in contact with his processing company, but he has not contacted us.  We would recommend he contact his processor,**********, at ************ to address his complaints.

• Initial Complaint

  Date:10/25/2023

  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.

  This broker is a scam!! Please guys avoid them. I was only a victim to them because I believe it will be the best for me but am unable to withdraw from them and they keep on asking for more deposit. Am so glad ***************** was able to help in getting my funds from Them. God bless you MADAM, But if you wish to get in touch with HER I will be glad to share his info Email: HARPERJAMESPLATFORM G MAIL COM

  Business Response

  Date: 10/26/2023

  ************, it appears as though you have filed a complaint against the wrong company.  I find no record of you in our system.  Azura Leasing does not request deposits for any sorts of services.  Furthermore, there is no ***************** employed by Azura Leasing or any of our vendor partners.  If you would like to contact our office, we'd be happy to try and assist you in tracking down the party with which you have a grievance.  ************. 

• Initial Complaint

  Date:10/02/2023

  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.

  This was a classic case of bait and switch. I was guaranteed that if I did not like the service that I could cancel in 30 days. I was given in writing a promise to be able to cancel this. I was never told that I was signing a long term lease. I never used the product and asked for the termination letter which was completed. I am now paying almost 300 dollars a month for nothing. When you bury a contract in the fine print it is very misleading and unethical. Azura was rude and unwilling to help me in any way. They basically said to bad sucker!!!! Dirty unethical business practices is how they make there money.

  Business Response

  Date: 10/06/2023

  ****************' complaint was submitted against the wrong company.  As **************** is aware, his complaint is with his processor and we would encourage him to address his complaints as such.  At no time did Azura Leasing or any employee thereof speak to him in any derogatory manner.  **************** did, infact, sign a non-cancelable lease.  The finance agreement is 4 pages and states in large bold print that it is a "Non-Cancellable Commercial Equipment Lease Agreement."  His claim that his lease was buried in fine print is not accurate.  Additionally, on the day his contract was executed (2/22/23), Azura mailed a welcome letter and a copy of the executed lease agreement to ****************  We received no contact from *************** until now.  Azura Leasing would encourage *************** to please go back and review the 4 page agreement that he signed and initialed.  Section M states "...if the vendor or any other person fails to provide any service, or if the equipment is not properly installed or is unsatisfactory for any reason I will make any claim thereon solely against the vendor.  I will not make any claims against you (Azura Leasing)."  We will continue to encourage *************** to contact his vendor with whom his dispute lies.