Yes and I suspect they back door deals to the inside sales team, they offer no protection to the ISO on files submitted, hours after submission members of the inside sales force are calling your merchant, they change underwriting guidelines without notice, so to hear this dosent surprise me, my guess is the books are upside down and or employees are getting desperate, very very unpleasant experience with Neil who was and is very suspicious in nature, totally different company then say 7-8 months ago, I will never do business with them again, period, the "relationship" part is no longer applicable to their infrastructure in my opinion, but hey, keep sending them business folks, def a beware for me as well