I’m a husband, father, and long-time worker of the customer service industry. This is a comedy/rant podcast dedicated to the people that get to speak to the worst of humanity. I’ll be sharing my own experiences, reading family, friend, and listener stories, maybe dive into paranormal with crazy stories about stores/restaurants. There’s a lot we can do and I plan on creating a community. I look forward to sharing my stories hearing/sharing yours!
…
continue reading
Customer Service Horror Stories Podcasts
Down Payment is the podcast for used car dealers and industry professionals that are looking for insights, best practices, and news on the used car industry.
…
continue reading
Drinking wine and podcasting your customer horror stories from the service industry! Share your stories to: [email protected] or text to 702-551-2011. (Cover art by artgirl.design)
…
continue reading
Comedy podcast spilling the tea about the customer service industry with Pastry Cook Quinn Webber interviewing guests who are in the Industry with horror stories of customers and bosses.
…
continue reading
Welcome to “The Payments Guy” — your ultimate guide to navigating the convoluted world of payments. Have you ever felt confused when reviewing your merchant account statement, understanding the role of payment gateways and processors, or dealing with customer disputes and chargebacks? You’re not alone! Each episode, we’re here to demystify the complex world of payments, bringing you top insights from industry experts and sharing real life payment horror stories that will help you make better ...
…
continue reading
Welcome to the #BIEStmode podcast where you'll laugh, cry and hopefully find the inspiration to become the person you are destined to be. The world is waiting for you! Join the Human Design conversation by texting, "Podcast" to (702)903-3096! I can't wait to chat with you privately! Join my Human Design Facebook Community: https://www.facebook.com/groups/952210165540182 Check out all that I have to offer at bit.ly/BIEStmode Support this podcast: https://podcasters.spotify.com/pod/show/biestm ...
…
continue reading

1
Open Communication is Key to your Dealership's Success! | Down Payment the Podcast for Used Car Dealers S4 E64
6:09
6:09
Play later
Play later
Lists
Like
Liked
6:09Open Communication is Key! | Down Payment the Podcast for Used Car Dealers S4 E64 Can your employees bring you any news about your business, good or bad? How do you react to it? Good communication is a key to your dealership's success. Tell us about your communication skills in the comments! Don't miss an episode! Subscribe to Down Payment now! Vis…
…
continue reading

1
Your Appraisal Book is Holding You Back! | Down Payment the Podcast for Used Car Dealers S4 E63
8:37
8:37
Play later
Play later
Lists
Like
Liked
8:37Your Appraisal Book is Holding You Back! | Down Payment the Podcast for Used Car Dealers S4 E63 Is your dealership looking a little ragged? It may be time to spruce it up! Here are five easy things you can do to make your dealership look sharp! Leave us your easy ideas for improvement in the comments! Don't miss an episode! Subscribe to Down Paymen…
…
continue reading

1
5 Easy Things You Can Do to Make Your Dealership Look Sharp | Down Payment the Podcast for Used Car Dealers S4 E62
6:30
6:30
Play later
Play later
Lists
Like
Liked
6:305 Easy Things You Can Do to Make Your Dealership Look Sharp | Down Payment the Podcast for Used Car Dealers S4 E62 Is your dealership looking a little ragged? It may be time to spruce it up! Here are five easy things you can do to make your dealership look sharp! Leave us your easy ideas for improvement in the comments! Don't miss an episode! Subsc…
…
continue reading

1
Horror Stories! The Worst Customer Disasters! | Down Payment the Podcast for Used Car Dealers S4 E61
14:04
14:04
Play later
Play later
Lists
Like
Liked
14:04Horror Stories! The Worst Customer Disasters! | Down Payment the Podcast for Used Car Dealers S4 E61 Everyone in the business has them! Today we tell the tales of some of our worst customer horror stories! You wont believe these but they are true! Leave us your customer horror stories in the comments! Don't miss an episode! Subscribe to Down Paymen…
…
continue reading

1
Buy Here Pay Here Customers | Down Payment the Podcast for Used Car Dealers S4 E60
15:28
15:28
Play later
Play later
Lists
Like
Liked
15:28Buy Here Pay Here Customers | Down Payment the Podcast for Used Car Dealers S4 E60 Traditionally considered the toughest customer in the used car industry, buy here pay here customers can be a great success. Do you know how to turn them into a win for your dealership? Leave us your thoughts on buy here pay here in the comments! Don't miss an episod…
…
continue reading

1
Terminations! Do you know how to do them correctly? | Down Payment the Podcast for Used Car Dealers S4 E59
14:03
14:03
Play later
Play later
Lists
Like
Liked
14:03Terminations! Do you know how to do them correctly? | Down Payment the Podcast for Used Car Dealers S4 E59 They are never easy, but they should be quick. Terminations. Do you know how to handle letting an employee go? Leave us your thoughts on terminations in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at…
…
continue reading

1
Having the right vision for your dealership | Down Payment the Podcast for Used Car Dealers S4 E58
11:39
11:39
Play later
Play later
Lists
Like
Liked
11:39Having the right vision for your dealership | Down Payment the Podcast for Used Car Dealers S4 E58 Get some key insights into what is happing in the auto industry. We analyze the statistics for you! Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - @DownPaymen…
…
continue reading

1
Tips for picking the best software for your dealership | Down Payment the Podcast for Used Car Dealers S4 E57
11:20
11:20
Play later
Play later
Lists
Like
Liked
11:20Tips for picking the best software for your dealership | Down Payment the Podcast for Used Car Dealers S4 E57 Get some key insights into what is happing in the auto industry. We analyze the statistics for you! Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - …
…
continue reading

1
Introspective Management at your Dealership | Down Payment the Podcast for Used Car Dealers S4 E56
8:44
8:44
Play later
Play later
Lists
Like
Liked
8:44Introspective Management at your Dealership | Down Payment the Podcast for Used Car Dealers S4 E56 Get some key insights into what is happing in the auto industry. We analyze the statistics for you! Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - @DownPaymen…
…
continue reading

1
Key Insights into the Auto Industry PART 2 | Down Payment the Podcast for Used Car Dealers S4 E54
8:35
8:35
Play later
Play later
Lists
Like
Liked
8:35Key Insights into the Auto Industry PART 2 | Down Payment the Podcast for Used Car Dealers S4 E54 Get some key insights into what is happing in the auto industry. We analyze the statistics for you! Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - @DownPayment…
…
continue reading

1
Key Insights into the Auto Industry PART 1 | Down Payment the Podcast for Used Car Dealers S4 E54
9:19
9:19
Play later
Play later
Lists
Like
Liked
9:19Key Insights into the Auto Industry PART 1 | Down Payment the Podcast for Used Car Dealers S4 E54 Get some key insights into what is happing in the auto industry. We analyze the statistics for you! Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - @DownPayment…
…
continue reading

1
Why Do People Hate Used Car Dealerships? | Down Payment the Podcast for Used Car Dealers S4 E49
7:08
7:08
Play later
Play later
Lists
Like
Liked
7:08Why Do People Hate Used Car Dealerships? | Down Payment the Podcast for Used Car Dealers S4 E49 People say they hate used car dealerships? Why is that? What can you do about it to improve your dealership's public image? Leave us your thoughts in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - @D…
…
continue reading

1
Should You Save Your Dealerships History | Down Payment the Podcast for Used Car Dealers S4 E48
6:32
6:32
Play later
Play later
Lists
Like
Liked
6:32Should You Save Your Dealerships History | Down Payment the Podcast for Used Car Dealers S4 E48 Should You Save Your Dealerships History? All those years of work. How do you preserve them and why should you care? Leave us your list of great archiving ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at…
…
continue reading

1
Marketing Ideas to Sell More Cars | Down Payment the Podcast for Used Car Dealers S4 E47
8:38
8:38
Play later
Play later
Lists
Like
Liked
8:38Marketing Ideas to Sell More Cars | Down Payment the Podcast for Used Car Dealers S4 E47 We all need marketing ideas, because we all want to sell more cars! Here are some underused ideas you can put into action. Leave us your list of great marketing ideas in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at:…
…
continue reading

1
Training Pitfalls to Avoid! Part 3 | Down Payment the Podcast for Used Car Dealers S4 E53
19:21
19:21
Play later
Play later
Lists
Like
Liked
19:21Training Pitfalls to Avoid! Part 3 | Down Payment the Podcast for Used Car Dealers S4 E53 Training isn't easy. There are so many pitfalls, but you can avoid them. Here are some easy things you can do. Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all our sites at: YouTube - @DownPaym…
…
continue reading

1
How to be a good trainer | Down Payment the Podcast for Used Car Dealers S4 E52
14:57
14:57
Play later
Play later
Lists
Like
Liked
14:57How to be a good trainer | Down Payment the Podcast for Used Car Dealers S4 E52 Training is vital to your business, but you need good trainers! In this episode, we discuss what it takes to be a good trainer with special guest Charles! Leave us your thoughts on training in the comments! Don't miss an episode! Subscribe to Down Payment now! Visit all…
…
continue reading

1
Training is the Key to Your Success Part 1 | Down Payment the Podcast for Used Car Dealers S4 E51
15:39
15:39
Play later
Play later
Lists
Like
Liked
15:39Training is the Key to Your Success Part 1 | Down Payment the Podcast for Used Car Dealers S4 E51 Training is important. Yet it gets ignored and some people just say they don't believe in it. Yet it can be the key to success. Are you doing the right training? Leave us your thoughts in the comments! Don't miss an episode! Subscribe to Down Payment n…
…
continue reading

1
Are You Ready to Change with the Used Car Industry? | Down Payment the Podcast for Used Car Dealers S4 E50
6:18
6:18
Play later
Play later
Lists
Like
Liked
6:18Are You Ready to Change with the Used Car Industry? | Down Payment the Podcast for Used Car Dealers S4 E50 Change happens all the time, but right now the used car industry is changing again! Are you ready for those changes? Find out what's going on in this episode! Then, leave us your thoughts in the comments! Don't miss an episode! Subscribe to Do…
…
continue reading

1
The TOP FEAR of all managers | Down Payment the Podcast for Used Car Dealers S4 E46
16:35
16:35
Play later
Play later
Lists
Like
Liked
16:35The TOP FEAR of all managers | Down Payment the Podcast for Used Car Dealers S4 E46 Are you a manager or do you own a car dealership? What is your top fear? I bet we know if you don't know already! Find out what it is on this week's episode of Down Payment Podcast for Used Car Dealers. Don't miss an episode! Subscribe to Down Payment now! Visit all…
…
continue reading

1
The TOP 5 Problems with Managers | Down Payment the Podcast for Used Car Dealers S4 E45
24:51
24:51
Play later
Play later
Lists
Like
Liked
24:51The TOP 5 Problems with Managers | Down Payment the Podcast for Used Car Dealers S4 E45 Are you a manager? Do you have a manager? Probably one or both! Well, managers have problems sometimes, and we discuss our top 5 problems with managers that can be fixed! Find out what they are on this week's episode of Down Payment Podcast for Used Car Dealers.…
…
continue reading

1
VAMP 101: Visa’s New Fraud Rules—Explained in 10 Minutes
10:59
10:59
Play later
Play later
Lists
Like
Liked
10:59In this episode, Frank covers Visa’s new VAMP fraud rules and what they mean for high-risk merchants. He explains how chargebacks and TC40 fraud reports now combine into a single fraud ratio—and why exceeding 0.9% could get your account shut down. With acquiring banks under stricter pressure, over 250,000 merchants are expected to be terminated by …
…
continue reading

1
Payment Declines: Fixing Failed Transactions for High-Risk Merchants 2025
18:23
18:23
Play later
Play later
Lists
Like
Liked
18:23In this episode, Frank covers why high-risk merchants experience unnecessary payment declines—and what you can do to fix it. He breaks down the invisible tech behind transaction approvals, from 3D Secure and BIN reputation to smart routing and network tokens. If you're losing sales to unexplained declines, this episode shows how to recover revenue …
…
continue reading

1
Merchant Account Approvals: What Underwriters Want in 2025
18:23
18:23
Play later
Play later
Lists
Like
Liked
18:23In this episode, Frank covers how high-risk merchants can speed up merchant account approvals by understanding exactly what underwriters are looking for. He breaks down the key documentation you’ll need, common mistakes that delay approvals, and how to present your business as low-risk from day one. In this episode, these questions and topics will …
…
continue reading

1
Payment Processing Terms Explained for Business Owners 2025
19:40
19:40
Play later
Play later
Lists
Like
Liked
19:40In this episode, Frank covers the essential payment processing terms high-risk merchants need to understand to avoid hidden fees, bad pricing models, and costly mistakes. From interchange rates to chargebacks, PCI compliance to flat-rate pricing, Frank simplifies the jargon so you can make smarter decisions, reduce your costs, and protect your busi…
…
continue reading

1
High-Risk Payment Processing: Why Stripe, Square & PayPal Don’t Work in 2025
19:00
19:00
Play later
Play later
Lists
Like
Liked
19:00In this episode, Frank covers why Stripe, Square, and PayPal aren’t built for high-risk merchants—and what to do instead. He breaks down how to know if your business is considered high-risk, why popular platforms shut down accounts, and how to get matched with a processor that actually understands your industry. If you've ever lost access to your f…
…
continue reading

1
High-Risk Merchant Accounts: Avoid Holds & Terminations in 2025
16:12
16:12
Play later
Play later
Lists
Like
Liked
16:12In this episode, Frank covers how high-risk merchants can avoid account freezes, terminations, and funding holds. He explains what triggers risk teams—like chargebacks, sudden volume spikes, or unapproved business changes—and shares how to stay in good standing with your processor through proactive communication, proper documentation, and smart red…
…
continue reading

1
High-Risk Payment Processing: PCI Compliance Essentials 2025
14:25
14:25
Play later
Play later
Lists
Like
Liked
14:25Did you know that failing to achieve PCI compliance can not only lead to costly fines but also erode customer trust? In this episode, we break down PCI compliance in simple, empowering terms. Discover what PCI compliance is, why it matters, and how you can protect your business from unnecessary fees, data breaches, and reputational damage. In this …
…
continue reading

1
High-Risk Merchant Accounts: Understanding Reserve Requirements 2025
20:03
20:03
Play later
Play later
Lists
Like
Liked
20:03Did you know that merchant reserves can significantly impact your cash flow and payment processing experience? In this episode, we dive into the world of reserves—what they are, the different types, and why banks may require them for your merchant account. We also share effective strategies to improve your reserve terms, even if you're operating in…
…
continue reading

1
Merchant Account Fees Explained: Avoid Hidden Costs in 2025
25:39
25:39
Play later
Play later
Lists
Like
Liked
25:39Did you know that navigating the world of merchant fees can be complex, with various charges impacting your bottom line? In this episode, we break down the key fees associated with payment processing, including the merchant discount rate, chargeback fees, and refund fees. We also discuss essential contract terms like service fees and early terminat…
…
continue reading

1
Stripe, Square & PayPal: Are PayFacs Safe for High-Risk Merchants in 2025?
9:32
9:32
Play later
Play later
Lists
Like
Liked
9:32Did you know that Stripe, Square, and PayPal are popular payment solutions, but they might not be the best fit for every business? In this episode, we dive into the pros and cons of these household names in the finance world. Join us as we discuss whether these platforms are the ideal solution for your business, exploring their benefits and potenti…
…
continue reading

1
ISOs & Payment Consultants: How to Build Strong Bank Relationships in 2025
49:13
49:13
Play later
Play later
Lists
Like
Liked
49:13Did you know that working with a payment consultant can significantly enhance your ability to navigate bank relationships and maintain your payment processing capabilities? In this episode, join Jason Selby, payments consultant and founder of Runaway Payments, as he discusses how partnering with a consultant can help merchants thrive in the complex…
…
continue reading

1
Chargebacks for High-Risk Merchants: How to Prevent Payment Disputes in 2025
15:17
15:17
Play later
Play later
Lists
Like
Liked
15:17Did you know that too many chargebacks could lead to higher processing fees or even losing your ability to accept payments? In this episode, join Frank as he dives into a challenge that just about every merchant faces at one point or another—chargebacks. You'll learn about the seriousness of chargebacks, especially for high-risk businesses, and how…
…
continue reading

1
Payment Processing Explained: Who’s Behind Every Transaction in 2025
16:45
16:45
Play later
Play later
Lists
Like
Liked
16:45Did you know that every time a customer swipes their card, there are up to six different players working behind the scenes to ensure the payment goes through? In this episode, join Frank as he unpacks the complex world of payment processing by shedding light on who’s really behind your payments. You’ll learn about the various players involved in a …
…
continue reading
Welcome to “The Payments Guy” hosted by Frank Cena— your ultimate guide to navigating the convoluted world of payments. In this short introductory episode, you’ll get to know more behind the vision for this podcast. If you’re a business owner, it can be easy to become overwhelmed by payments and merchant accounts. Let this podcast become your trust…
…
continue reading

1
Underwriting for High-Risk Merchants: How to Get Approved in 2025
15:22
15:22
Play later
Play later
Lists
Like
Liked
15:22Overwhelmed by the underwriting process as a business owner looking to set up a merchant account? In this episode, join Frank as he does a deep dive into the often misunderstood topic in the world of payments, the underwriting process. He’ll cover what happens during the underwriting process, how to improve your chances of approval, and what the ac…
…
continue reading

1
Merchant Payment Consultants: Should You Go It Alone in 2025?
9:11
9:11
Play later
Play later
Lists
Like
Liked
9:11Welcome to the first episode of “The Payments Guy”! Kicking things off with some basics, in this episode Frank will be going over the role of a payments broker, the pros and cons of working with one, and when merchants should consider using a broker. If your business is brand new or you went directly to the first processor you came across, this is …
…
continue reading
Listener stories
…
continue reading
Just a few gripes!
…
continue reading
HAPPY NEW YEAR! Welcome back! This is my attempt at continuing my podcast. It’s my transition from coffee to banking and branch to branch. Pardon the quality. Maybe a mic is in our near future.
…
continue reading
Hey guys! It's been a while! I sat down with Jenn today, a self proclaimed serial MLMer, that finally left her last MLM for good. She is a Mom, a Chronic Illness Warrior and she has so much to say! It was a great convo and I hope it helps you guys too! Connect with Jenn: Instagram Facebook YouTube Tik Tok MLM Horror Story submissions, merch, social…
…
continue reading
This week I am sharing an anonymous MLM Horror story from someone that was in Monat and then joined Q Sciences. It's a cringy one so brace yourselves! Monat Income Disclosure MLM Horror Story submissions, merch, social media links can all be found here! Are you in a cult? Check out Steven Hassan's Bite Model here! Report income claims and fraud to …
…
continue reading

1
Amare, Personal Training and Reverse Dieting with Susan
44:43
44:43
Play later
Play later
Lists
Like
Liked
44:43This week I sat down with Susan Wierzbicki. She is a CPT that reached out to me about Amare because one of her clients was using it. We had a candid convo and my hope is that it will help you with your health and wellness journey without using MLM products! Connect with Susan here: Facebook Facebook Group Susan's Website MLM Horror Story submission…
…
continue reading

1
MLM Horror Story: A Customer Service Rep at Tranont
13:37
13:37
Play later
Play later
Lists
Like
Liked
13:37This week, I wanted to do something a little different and share a horror story from a corporate employee at an MLM company. I think these are people that often are not talked about and in my opinion, I'm sure they have experienced some really horrible things as well. So grab a drink and enjoy. If you were a corporate employee at one of these compa…
…
continue reading

1
Oversharing on Social Media as an MLMer.....
15:05
15:05
Play later
Play later
Lists
Like
Liked
15:05A couple stories for you about safety online and some of the things that MLMs teach people to do. It's just not safe so please be careful out there! Connect with me here! --- Support this podcast: https://podcasters.spotify.com/pod/show/biestmode/support
…
continue reading

1
Day 30 of Bulking and Healing My Relationship with Food..... AGAIN!
26:10
26:10
Play later
Play later
Lists
Like
Liked
26:10This week is a little bit different of an episode. I say down and hit the record button so it's just me and this mic! I am all over the place so please be patient with me but I've been wanting to have this conversation with you guys for so long! Trigger Warning! I talk about restrictive eating, binging and some other reckless behaviors around food.…
…
continue reading
This week I sat down with Erin and she shared her story about World Ventures, Xyngular and her 15 years of experience with them! Connect with Erin Listen to Erin's Podcast MLM Horror Story submissions, merch, social media links can all be found here! Are you in a cult? Check out Steven Hassan's Bite Model here! Report income claims and fraud to the…
…
continue reading

1
Escaping Pure Romance with Brittany
1:17:56
1:17:56
Play later
Play later
Lists
Like
Liked
1:17:56This week I sat down with Brittany and she shared her story about Pure Romance and her experience with them! Connect with Brittany MLM Horror Story submissions, merch, social media links can all be found here! Are you in a cult? Check out Steven Hassan's Bite Model here! Report income claims and fraud to the FTC by clicking here! --- Support this p…
…
continue reading

1
Exposing MLMs that Prey on the Hispanic Community with Kareenah
1:00:22
1:00:22
Play later
Play later
Lists
Like
Liked
1:00:22I sat down this week with my friend, Kareenah. She is a fellow AntiMLM content creator that has watched her family join many MLM companies over and over again. Connect with Kareenah: Instagram YouTube MLM Horror Story submissions, merch, social media links can all be found here! Are you in a cult? Check out Steven Hassan's Bite Model here! Report i…
…
continue reading
This week I sat down with Carrie and she shared her story about Arbonne and her experience with them! Connect with Carrie MLM Horror Story submissions, merch, social media links can all be found here! Are you in a cult? Check out Steven Hassan's Bite Model here! Report income claims and fraud to the FTC by clicking here! --- Support this podcast: h…
…
continue reading

1
An Important Convo with the Child of an MLMer ft. Gabby
1:02:13
1:02:13
Play later
Play later
Lists
Like
Liked
1:02:13I sat down this week with Gabby. She's an ex-Mormon, part of the LGBTQ+ community and her Mom has been a part of many MLMs. Join us in this really important conversation that is not often represented within the Anti- MLM movement. Connect with Gabby on IG! MLM Horror Story submissions, merch, social media links can all be found here! Are you in a c…
…
continue reading