uSwipe

Mr. W[redacted]n continues to distort the facts. "He signed and agreed to the rates provided on his account. The data entry error occurred by First Data during the rate adjustment that was made in April in an attempt to appease the merchant despite the fact uSwipe had no contractual obligation to make any decreases in fees for the merchant. Mr. W[redacted]n continues to make false accusations regarding the rates he was assessed. Merchant processing rates are very complex. Per the Terms of the Agreement, a transaction processed may be assessed surcharges depending on various factors associated to the card and the manor in which it was processed. This will cause the total fees assessed to a merchant to vary.  uSwipe does not offer any type of set rate for transactions processed in a calendar month. Mr. W[redacted]n's further claims about over charging based on his previous bills are false. The merchant account number in question had the agreed upon rates per the signed merchant application.
In addition to the factual contractual legalities of the rates assessed, Mr. W[redacted]n also did not comply with Section 18.10 of his agreement that states a formal written request must be submitted in writing within 60 days of a statement date should there be any disputes regarding fees. Mr. W[redacted]n did not provide a written request until May 2, 2016 at which time his concerns were immediately addressed. His claims of contacting the office are not documented and are therefore are speculation and hearsay. Furthermore, Mr. W[redacted]n made various harassing, slanderous and defamatory telephone communications to our organization once he realized he was contractually bound to these rates. His direct written correspondence reaffirms his unprofessional demeanor in conducting himself despite our best efforts to provide an adequate resolution. His account was reimbursed for the data entry error that occurred on his April statement and his account was terminated per Section 23 of his Terms as a result of his vulgar and slanderous communications.
Attached is the signed Merchant Processing Application Mr. W[redacted]n submitted with his signature and the rates he was agreed upon (which lists the rates he was billed) as well as the Program Guide Terms and Conditions. uSwipe made adequate, timely and professional attempts to provide resolution to Mr. W[redacted]n regarding his complaint. uSwipe always takes great pride in doing so for each and every customer.

Two years ago I tried to sign up with uswipe, filled out paperwork and then never heard anything back from them again... I had even emailed them and to say cancel everything and shred my personal info.(many emails and phone messages to them)... now two years later they are taking monies out of my bank account for fees. These fees are close to $500. Who takes fees when they were never given any thing to use.
I have emailed and called, no one has returned my emails. This company should not be trusted. Do not ever sign up with Uswipe!

Review: I called in early July to sign up for the U-Swipe Services so that I could lower the % that would be charged when I use the service, as my credit card service at that time was 2% higher. I spoke with S[redacted] at extension 3215 who signed me up for the service. At that time I was only explained the usage fee that the company charges to run the card for my lawn care service. I am a small business so I do not run that many cards. The equipment showed up at my house around the end of July and by early August I had $34.95 charged to my account, I haven't even used the equipment yet! I called and spoke with M[redacted] at extension 3211 and was explained that there is a $25 non usage fee and $9.95 monthly fee for the service. I explained that this was never told to me, and she replied with "I see your signature on file on the contract". I asked her to email me the contract so I can view my signature. The initials that are on this contract are not mine at all, no where near close! I asked for a refund and cancellation of services immediately! She explained it would be 3-5 weeks. I can live with that, processing is processing afterall. However on 9/2/15 there was another charge of $34.95! I called back and this time I spoke with S[redacted], again at extension 3215. She explained they could amend the refund, but cannot cancel my account until the refund has been completed. If they can't cancel my account until the refund is processed, and it takes 3-5 weeks for the refund, apparently they are going to continue to debit my account because the refund will never process before the next monthly billing cycle occurs. I am upset that a company would lie to someone, I am also upset that they try to use processing and billing to hide behind to draw out something that should be able to be taken care of in 1 day! I want my money, I want my cancellation, and I do not want any more charges to be taken from my account!Desired Settlement: I WANT MY ACCOUNT CANCELLED, I WANT A REFUND FOR BOTH AUGUST AND SEPTEMBER CHARGES OF $34.95, I DO NOT WANT MY ACCOUNT TO BE DEBITED ANY FURTHER!!!! AND I WANT THIS RESOLVED QUICKLY!!!!!!!!!!!

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

A request has been submitted to have your monthly account

fees set to zero while we are waiting for your refund to process. Once the

refund has posted, your account will be closed. You should not receive any

further charges from uSwipe. However, please ensure that you return any equipment that uSwipe has provided to you when your account was first opened.

Review: In early March we received a bill from USWIPE after the amount was debited from our account for PCI non-validation saying we were not in compliance with the PCI requirements. The bill also included a statement fee to bill us for the non-compliance. We determined from the company that does USWIPE's PCI Compliance that we were in fact in compliance. They insisted that we prove that they made s mistake rather than checking with their own PCI Compliance people like I did to discover their mistake. A month later we got a bill showing the fees and charges from the previous month were credited but we received monthly statement fee again for getting a statement that was telling us we got our money back. We called again. They told us they would credit that amount. They did not. We told them to cancel our account, they said they would, they did not. Instead of receiving a credit for that fee, we got another fee on our account in May. We called again today to ask what happened and they had no record of our call a month earlier cancelling our account. Sad customer service I will never do business with this company again.Desired Settlement: Credit for month end charges for March, April and possibly May (which they may have charged to our account this week)totaling $ $25.90/$38.85

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

After reviewing your account, I do show that you requested a

refund and that your account be closed in March. I apologize that this request

was not taken care of in a timely manner, which caused further billing to your

account. While the $12.95 is a monthly fee associated with your account being

open, uSwipe would like to offer a courtesy credit of $12.95 for the past

3-months, totaling $38.85. A check for this refund will be mailed to the

address you provided in your inquiry. If you have any further questions regarding the status of your refund or your closure request, please feel free to reach out to our customer support at ###-###-####.

Review: After signing up with this company in October of 2014 they had failed to contact me by email to complete the setup. When I contacted them they said it was because the email address they had on file was wrong. We corrected that and I received the email, verified my information, and electronically signed the forms. They never sent another email with my login information so that I could start using my account. It had been a hassle at this point and I thought "oh well, there's no penalty for not using it so I'll just stick with what I already had". A few months later there was a $99 withdraw from my checking account from this company and when I called to ask why they said it was a one time per year fee for inactivity. I read the contract front to back and the fee was never mentioned so I asked them to reimburse my fee and close the account because I had never used it and after this never wanted to. They said it would be 2 or 3 months before they could reimburse me if they decided to at all! I then received a collection notice 6 weeks later stating I owed $199 to this company. When I jumped through all the hoops this time they said they could no longer reimburse me because the account had been closed. When I asked to speak to a superior because this person could not help me they refused contact information and hung up on me. I then contacted the collection agency they used and those people cleared the collection account for me. So I was never reimbursed for the original $99 and have an extra $35 insufficient funds fee from my bank where they tried to take out an additional $99 for the "one time per year fee" that they had already received! Sounds like a huge scam to me! Do not ever use this company!Desired Settlement: $99 fee Uswipe had withdrawn from my checking account because this fee was never previously disclosed and when I originally signed up for it the contracted said all fees were waived as a "show special". Then an additional $35 insufficient fund fee that removing the $99 caused me to incur.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

The fee you incurred was not an “inactivity” fee as stated

in your complaint. This fee was charged due to your failure to validate your PCI-DSS

compliance, as required by your merchant agreement. Any business with an open

merchant account is required to attest to PCI-DSS compliance on an annual

basis. The due date varies depending on when you opened your Merchant Account.

In preparation for your due date, we send courtesy notifications via standard

mail and email, to advise you of the approaching deadline. Failure to complete

your Self Assessment Questionnaire by the due date resulted in a non-validation

fee. An open Merchant Account will continue to receive the non-validation fee on

a monthly basis until the compliance is completed. When you certify your

compliance with PCI-DSS, you demonstrate your commitment to Data Security, in

addition to reducing your exposure to fraud and the costs associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a

transaction and are obligated (per your agreement) to comply with all mandates

set by the processing bank. This includes completing your PCI Compliance

requirements. While you may not have been actively using your account, the fact

remains that you still had an open Merchant Account with uSwipe as you did not

notify us of your intent to close your account.

Unfortunately, we are unable to offer any reimbursement of

the non-validation fees that you received as these were charged in accordance with

the Merchant Agreement, Program Guide and Terms & Conditions that you

agreed to when opening your account.

Consumer

Response:

Review: 10602717

I am rejecting this response because:I have never heard of a PCI-doss compliance form so I did not know to fill it out! Your representative was the one who told me that it was a "one time per year inactivity fee" that is not just something I made up. I could never log into my account to use it or do anything else with it because the log in information was never sent to me! Your company got my email address wrong not me. I am the one who called to correct it not you. I was also told when I originally signed up for the account that for each person I referred to sign up with your company I would receive a $50 bonus and I did sign up one person and yes they used my reference number. That was never received and I'm not asking for that. I only want what you stole from me. I think it's funny how all 4 of the people I work with who signed up with your company had the same problem. We all had $99 taken from our account (one lady had it done 3 times!) but you act like it was our fault for not being informed. I noticed how in your reply to this original complaint you never addressed the rude employee who hung up on me and refused to give me his superiors contact information. I think along with my refund you should also be re-educating your staff on customer service standards and the recruiters that are signing people up should be trained to educate people about these " oh so impirtant forms" that seem to be hidden under the big bold title of "all fees waived"!

Regards,

Business

Response:

As stated in our original

response, we send courtesy notifications via standard mail and email to advise

you of the PCI-DSS requirements. While is it only required that we send

notification via one medium, we understand that importance of how your merchant

account plays a role in your business and go above our duty to notify you via

multiple avenues; however, we are not required to verify that you receive, or

read, any notifications that are sent. Per

your Program Guide and our Terms and Conditions, any fees you incur from your

Merchant Account can be debited from the checking account provided to us when

your uSwipe account was opened, including non-validation fee; uSwipe did not “steal”

any money from you as we also incurred an expense from our processing banks and

the card associations by your account not being validated in a timely manner.

While it is unfortunate

that you were unable to access your account, any information we use to create

your account is based on the information you provided on your application

(including your email address). Additionally, since the email that contains your

username and password is an automated message, our organization was unaware

that you did not receive it. We encourage all of our customers to reach out to

our customer service department with any questions related to their account –

it would have been helpful had you contacted us within the first few days of opening

your account to let us know you had yet to receive your login information.

While we are unable to corroborate

your claim that the individual you spoke with was rude and refused to allow you

to speak with a supervisor, this type of behavior is not tolerated. We have

since addressed the situation with our support staff and have recently

implemented on-going training programs to ensure that our customers continue to

receive professional and supportive service from our organization.

Lastly, you are correct

– we do offer of $50 referral credit for merchants who are referred and

approved for a new account. After researching this, I do indeed see that you

referred a new customer to us and greatly apologize that you did not receive

your referral credit in a prompt and timely manner. While the account that you

referred is now closed with us, it is important to our organization

to honor our obligations. We will be sending you a $50 referral payment; this

will be addressed to the address you provided at the time you submitted your

Revdex.com inquiry.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10602717, and find that this resolution is satisfactory to me.

I no longer wish to haggle with this company. I am going to cut my losses and see if they hold up to their end of the bargain THIS time! There was a lot of misinformation in that last response. But I don't want to get into it anymore. I only reported them to the Revdex.com in order to keep this from happening to more people.

Regards,

Review: This company took all of my information including bank account information for credit card processing with my business. I never received a credit card processing machine from them as promised and I never received any communication from them at all until I all of a sudden started getting statements from them showing that they have taken money out of my bank account. This first happened in July when they took $99. They did it again in August in the amount of $124., and again in September in the amount of $139.When I tried to contact this company I just got the run around. I was told to send an email to [email protected] regarding the issue, which I did. I never received a response. I demanded my money be returned to my account, again no response and the money has not been returned to me.I explained that I never received a credit card processing machine and therefore had absolutely no way of processing cards with their company. The charges to my account from this company are fraudulant, and I want my money returned immediately and for them to stop taking money from my bank account. I also demanded that I wanted the account closed.Desired Settlement: I want a total of $263. returned to my bank account from this company, and any additional amounts they may have taken from my account since September, which is the last charge that I am currently aware of. the $99. charge my bank already took care of for me.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

We attempted to contact you on nearly a weekly basis to

verify your shipping address and the equipment that you would like to receive. Each

time, one of our technicians would leave a voicemail requesting you to call us

back regarding the deployment of your equipment.

The fee you incurred, however, is completely unrelated to

the deployment of your equipment. This fee was charged due to your failure to

validate your PCI-DSS compliance, as required by your merchant agreement. Any

business with an open merchant account is required to attest to PCI-DSS

compliance on an annual basis. The due date varies depending on when you opened

your Merchant Account. In preparation for your due date, we send courtesy

notifications via standard mail and email, to advise you of the approaching

deadline. Failure to complete your Self Assessment Questionnaire by the due

date resulted in a non-validation fee. An open Merchant Account will continue

to receive the non-validation fee on a monthly basis until the compliance is

completed. When you certify your compliance with PCI-DSS, you demonstrate your

commitment to Data Security, in addition to reducing your exposure to fraud and

the costs associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a

transaction and are obligated (per your agreement) to comply with all mandates

set by the processing bank. This includes completing your PCI Compliance

requirements.

The first communication we received from you was on

September 14th at which point you were advised to send your account

cancellation request to the email address provided. The emailed request was

received on September 18th and your account was promptly closed on September 22nd.

Unfortunately, you do not qualify for a refund as the fee(s) you incurred were

not charged in error.

.

Consumer

Response:

Review: 10855284

I am rejecting this response because:Clearly I did not have the ability to process any transactions as this company claims that I did. I had absolutely no information about processing through the company and had no record of an account being opened. I did not have a merchant number or account number. I never received any communication from this company by mail or e-mail as they claim I did. Since no written communication was ever received it was my understanding that an account had not been opened and did not exist.'

Review: I received a copy of my application that they returned to me after claiming they couldn't refund the $34.95 I was charged not once, but twice. On the application, my signature isn't even shown, meaning I have not given consent for my banking account to be charged ACH Transactions. I anticipated this happening, because why would a company want to refund nearly $80?Additionally, I have had my bank account overdrawn from this company. As a college student, I don't keep my money primarily in the account provided to uSwipe. So, I was overdrawn about $15 because the company took out money when insufficient funds were unavailable. The company didn't respond as they said they would when I first requested my POS System in August. I was told I would get a call to help me set up my system, and although I did get a call about my application, I never spoke to a representative about setting up my system, as detailed in their policies. I began being charged in September, at the beginning of the month. I didn't recognize the charges because they showed up disguised on my bank account as something like: DTOT BANKCARD DISC. I called the bank and they couldn't give me any information so I was left in the dark because I hadn't received my POS System so I didn't have any evidence that uSwipe was charging the transactions. I didn't seek any resolution because I didn't know what to do. October 2nd, I was charged again for the same amount. I never received any statements until two days ago. That was when I realized uSwipe was the mysterious company charging me and that is when I decided to seek a resolution because I now knew what steps I needed to take. Owl Be Pure is my business and is a small unique product business. As a full-time college student, I don't have much income so I decided to try out uSwipe after seeing an ad online. I am definitely disappointed with my experience with this company and have no plans to recommend them to anyone in the future looking for a POS Sytem for their company.Desired Settlement: I would simply like to be refunded $69.90. Conveniently, my account is closed, but no refund is provided. uSwipe is claiming that because I requested my POS System in August and have not taken any action until October that they can't refund my account, which is completely emptied out now from this company. The reason I couldn't take any action is because they disguised the transactions on my account. Since I didn't receive my system, I had no reason to think the mysterious charges were uSwip

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

The application we have for your business clearly has your

name (R[redacted]) and the initials (RT) on each of the necessary portions of

the merchant agreement. This does make the agreement valid. In fact, we would

have been unable to proceed with the opening of your merchant account without

the necessary signatures and initials. When you opened your merchant account

and provided us your banking information, your demonstrated your intent to

process credit card transactions through our service. We were never notified by

you that you hadn’t received our equipment until the point you requested the

closure of your account.

The fees you incurred were explicitly stated during your

enrollment in our program and you proceeded with your application. Upon receipt

of your email, we promptly processed your request to close your account and there

will be no future attempts to debit your bank account for your merchant

services. Unfortunately, you do not

qualify for a refund as the fee(s) you incurred were not charged in error;

these were fees you agreed to on your merchant agreement.

.

Review: My name is J[redacted], Owner of Belissi Face and Body in Woodland, CA, I have the service with this company since last year, recently I changed my bank account and have filed out the changing form and sent them the cancel check, everything has updated recording to R[redacted] Service Rep, but all my sales from May 11th- May 25th have not released to my account, almost $2000 of the sale, I have called several times, asked for supervisor and manager but all I got the answering machine, No one returned any of my message I left. Below here all the salesMay 11th $65May 13th $75 and $50May 14th $340 and $15May 16th $340 and $80May 19th $126may 20th $110 and $340May 21st $408may 25th $40Total of $1,989Please contact and let me know. Thank youRegards,J[redacted]###-###-####Desired Settlement: Deposit to my account immediately

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

When we receive notification to update a bank account, we

request that the account owner leave the original bank account open until the

bank account change has been completed (which may take 3-7 business days). Your

bank account was closed before we were able to make the necessary changes to

your account, causing your deposits to be rejected by your original bank and

stored in a ‘reject account’ by our processing bank. When this occurs, it takes

additional time to receive the funds back from your original bank account, clear the flags in the account and change the necessary deposit indicators

back to their original state. We are

working with the processing bank to have the rejection flags cleared and your

funds released. This case has been escalated to management at the processing

bank and we anticipate this being completed within 2-5 business days.

Review: I have a card reader from USwipe... I was told that there will not be any charges unless, I used the equipment. I went to my bank because of these unkown charges from "BANKCARD 1018 EFT" that I did not recognized. My bank referred me to "MERCHANT SERVICES - FIRST DATA" and they dialed the number. I spoke to them and they referred me to USWIPE ###-###-####. I called them and they transferred me to BANK OF AMERICA, they transferred me to someone at ###-###-####... the lady "F[redacted]" stated that she could not do anything about it and referred me to: ###-###-#### USwipe!!!Bottom line, I never agreed to a monthly charge, and request that those charges be reversed immediately.06/03/2015 = $114.00.07/01/2015 = $99.00The name of business: Yuma County Arts and Cultural Group - San Luis, ArizonaDesired Settlement: I request that those charges be reversed immediately and credited to my checking account.06/03/2015 = $114.00.07/01/2015 = $99.00

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

The fee you incurred was not a monthly fee for having an

account. This fee was charged due to your failure to validate your PCI-DSS

compliance, as required by your merchant agreement. Any business with an open

merchant account is required to attest to PCI-DSS compliance on an annual

basis. The due date varies depending on when you opened your Merchant Account.

In preparation for your due date, we send courtesy notifications via standard

mail and email, to advise you of the approaching deadline. Failure to complete

your Self Assessment Questionnaire by the due date resulted in a non-validation

fee. An open Merchant Account will continue to receive the non-validation fee

on a monthly basis until the compliance is completed. When you certify your

compliance with PCI-DSS, you demonstrate your commitment to Data Security, in

addition to reducing your exposure to fraud and the costs associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a

transaction and are obligated (per your agreement) to comply with all mandates

set by the processing bank. This includes completing your PCI Compliance

requirements.

For assistance or instructions on completing your PCI-DSS

compliance, you may contact our customer service team Monday through Friday

(8-5 PST) at 1-800-606-1226. Once your compliance is verified, the non-validation fee will be

removed from your account.

Consumer

Response:

Thank you for your response to this matter.

Review: A Uswipe representative sold me the credit card possessing service with the claim of 1.69% possessing fee and no other fees. I set my checking account up as my deposit account. At first, the fee was deducted before the remainder was deposited into my bank account and I verified that it was in fact the 1.69% deducted. After two or three transactions (two months later), I noticed that someone "First Data Merchant Services" was taking money out of my account without authorization. I made several attempts to contact USwipe via phone calls and email with the information provided on my statement. On one phone call I was actually able to speak to a live person. That person informed me that they must be taking the money back out of my bank account because the card that I was accepting was not a "preferd" card.(It was from the U.S. Government). She also told me that I was not speaking to "USwipe and that I would have to get a hold of my account representative. When I asked who that was and what number I should call, they told me that they would have no way of knowing that information. I HAD JUST CALLED THE NUMBER THAT WAS ON MY USWIPE STATEMENT!!I then tried to access my account online and I was unable to log in. It told me that my account was "deactivated" I ultimately opened an account with Square. They have been honorable to their word and agreement. After another couple of months, I noticed that there was more money being taken out of my account. I haven't even been using USwipe; the account was deactivated and I now use Square! I was able to stop the deductions at my bank (for a fee). I have sent letters to USwipe and First Data services with absolutely no response whatsoever.Desired Settlement: I need a refund of $378.85; Any negative credit reporting to be removed.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchants, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

When you opened your account, the pricing program you

selected included a qualified rate of

1.69%. The way credit card processing service work is that there is

a qualified rate that applies to most transactions (regular debit and credit

cards); however there are also mid- and non-qualified rates that vary depending

on the method you used to enter a transaction (i.e. key-entering instead of

swiping the card) and the type of card it is (i.e. business, government or special

rewards-type credit cards).

There are multiple ways that you could have contacted our

uSwipe office to discuss rates. In fact,

the notes in First Data Merchant Services database reflect that they provided

you with our contact information so you could reach us directly; however we

have no record of you contacting the uSwipe office for assistance in understanding your

bill or how the charges work. Additionally, the charges that you began

incurring could surely have been resolved by the First Data customer service

helpdesk as they address billing inquiries on a daily basis.

When you had your bank begin rejecting the debits to your

bank account, this put your account into collections. Your account was closed on

June 7, 2015 by First Data Merchant Service due to your collections balance

with them. At this point, any collections balances need to be addressed and resolved

with the First Data Merchant Services collection department at ###-###-####

as we are a sales entity for First Data, we do not have access to resolve

collection balances.

Consumer

Response:

Review: 10979073

I am rejecting this response because: The facts of the reply are clearly incorrect and fabricated.

Review: I was charged incorrectly for 4 months, without even having my account set up, with one charge being over $100 a month after I canceled my account. No one knew why I was charged, and it has now taken them over 2 months to refund me all mischarges. I keep calling, and each day it's someone new, telling me it's on the way, and if the check isn't here by this date, call back. Well, I'm done calling back.Desired Settlement: I want tracking put on a check and it expedited. This is for my business that you have now put me in a bind.

Business

Response:

uSwipe takes great pride in conducting business

with the highest level of service and support. We have and continue to develop

long lasting relationships with our merchant, affiliates, and business

partners; we regret any time we receive a response from an unsatisfied customer.

Review: At the beginning of September 2015 spoke with a customer service rep named "R[redacted]" to set up my equipment and account. I asked if there was anything else I needed to do as my business was not yet open, I wouldn't be using the equipment for a few months, and was concerned about penalties or extra fees. He assured me that I was fully in compliance with everything I needed to do, and I would only be charged the $10 monthly subscription fee until I actually began using the equipment. Exactly a month later, I was charged a fine of $148.95. I called and spoke with a customer service representative named "K[redacted]" and she told me the fine was for "PCI Non-Compliance". I disputed the charge because the equipment is all PCI-Compliant, and the previous month I was assured by R[redacted] that I was in compliance with everything. She told me there was a survey I never completed, but again, I reiterated that I was told I had completed everything on my end, so I was unaware of the survey. She assured me she would submit a request for a refund. After speaking with her, I sent the company an email asking how to cancel my account because I didn't want to risk any more fines. After waiting a week and getting no response to my email, and no refund for the fine, I called them again today. I spoke with K[redacted] again and she said since I've closed my account there is no way to process a refund. I asked to speak with her manager, and was transferred to a man named "J[redacted]. Jared told me that since I was no longer a customer of USwipe, he didn't have to help me. When I began to explain my problem, he cut me off and told me that he didn't care about my "excuses" and that I was charged this fine because of my own irresponsibility, and it's not their job to make sure I'm compliant. When I asked to speak with his manger, he told me he didn't have one. He then told me he was "disconnecting the call because there's nothing I can do for you" and that if I call back he would send me a cease and desist letter, then he hung upDesired Settlement: I would like a refund for the $148.95 that posted to my account on 10/02/2015.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

Firstly, the representative (R[redacted]) that you spoke with was a

technician in the installation department who had attempted to reach you to

install your equipment since June (when you opened your account). After many

attempts to reach out to you, we requested that the equipment be returned as 90

had passed and you were still not using the free equipment we had provided your

business as an incentive to process credit card transactions. Our records

indicate this is when you finally discussed your account with R[redacted]; however at

this point your account had already been inactive for over 3 months. Please

note, however, that the fees you are objecting to are completely unrelated to

the installation of your equipment.

The fee you incurred was charged due to your failure to

validate your PCI-DSS compliance, as required by your merchant agreement. Any

business with an open merchant account is required to attest to PCI-DSS

compliance on an annual basis. The due date varies depending on when you opened

your Merchant Account. In preparation for your due date, we send courtesy

notifications via standard mail and email, to advise you of the approaching

deadline. Failure to complete your Self Assessment Questionnaire by the due

date resulted in a non-validation fee. An open Merchant Account will continue

to receive the non-validation fee on a monthly basis until the compliance is

completed. When you certify your compliance with PCI-DSS, you demonstrate your

commitment to Data Security, in addition to reducing your exposure to fraud and

the costs associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a

transaction and are obligated (per your agreement) to comply with all mandates

set by the processing bank. This includes completing your PCI Compliance

requirements.

As of today, we have received your returned/unused equipment

and your account has been closed. You have already spoken with many individuals

at our company and multiple levels of management; unfortunately, you do not

qualify for a refund as the fee(s) you incurred were not charged in error.

Review: This company approached my dad who does not speak english very well with their product at a convention. They told him it was free and would only be charged if he used it. My dad noticed he was being charged 99$ from his bank account. We called the company to ask them why is my dad being charged this when he never even opened the product, the product is still sealed in its plastic, u swipe then said its because he had to fill an application out 90 days after he received the product in order to not be charged the 99$. I told u swipe whoever approached my dad at the convention did not inform him of that and he doesn't speak english well to understand that. After back and forth several times with one of the agent, the agent said we will refund you a check which will be mailed out in a couple weeks of $99 (they took a total of 299$ from my dads account for the 3 months but refused to refund all of it) they said to ship the product out to them which we did at that time. My dad NEVER used the product or their service, the product was still sealed and in its box. Weeks pass by and we have not recieved anything, I call again and they hung up on me. I called another time 3 weeks ago and spoke to a girl named "Kelsey" I told her that we were suppose to recieve the check and she said she will let her manager know, the managers name is "Jarrod" and that they will send us the check in 2 weeks. We waited 2 weeks and the check still wasn't sent. I asked kelsey if I can then speak to Jarrod. Jarrod was EXTREMELY RUDE!!! He would not let me speak and told me "no matter what you say I am not going to refund you" I tried explaning to him that when I first called about this issue they said that we were getting a refund he kept yelling and talking on top of me, when I asked him to speak to someone above him "he said there is no one above me that you can speak, I pretty much own half the company" and hung up on me. he was very disrespectful and unprofessional! This company steals peoples money!!!!Desired Settlement: We would just like our money back of the 299$ that was taken from my dads account (99$ each month for 3 months) we didnt use any service or product whatsoever! and the product was shipped back to them! The only reason they were charging us the 99$ is because my dad did not fill an application out and have it sent to them! Like I explained my dad doesnt speak english well and the lady that approached him at the convention did not tell him anything about an applcation to be filled out.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

The fee that was incurred was not a monthly fee for having

an account. This fee was charged due to your (father’s) failure to validate the

business’s PCI-DSS compliance, as required by the merchant agreement. Any

business with an open merchant account is required to attest to PCI-DSS

compliance on an annual basis, as mandated by the card associations and the PCI

Security Council. The due date varies depending on when you opened your

Merchant Account. In preparation for your due date, we send courtesy

notifications via standard mail and email, to advise you of the approaching

deadline. Failure to complete the Self Assessment Questionnaire by the due date

resulted in a non-validation fee. An open Merchant Account will continue to

receive the non-validation fee on a monthly basis until the compliance is

completed. When you certify your compliance with PCI-DSS, you demonstrate your

commitment to Data Security, in addition to reducing your exposure to fraud and

the costs associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a transaction and are obligated (per your

agreement) to comply with all mandates set by the processing bank. This

includes completing your PCI Compliance requirements.

Requests for refunds are taking very seriously, however there

is no record of your refund request being approved for any amount while the

account was opened nor anytime thereafter. As the merchant service provider, we

in fact receive penalty fees for each merchant’s non-validation which is why we

are only able to offer refunds for non-validation fees when they are charged in

error. In this case, the fee was not charged in error because the compliance

simply was not done. The account has been closed as of May 25, 2015.

Consumer

Response:

Review: 10853482

I am rejecting this response because:

Review: I signed up with uswipe at a convention. They told me I would not be billed a monthly fee based off the service I needed. Again, They agreed not to charge me monthly fees based on my need. Things were good until I failed to submit a PCI form at which I wasn't informed by uswipe how important that a failure would cost me over $100 fine. I was sent to collections. I paid the fine in collections but then they attached monthly service fees. I became delequent and ended up paying $250 to collections. They agreed to refund half my month, but collections did not do refunds. After paying a 3rd party my fees I had to close my account to stop the monthly fees from accruing. This led to more collection fees. After 3 months of calling and waiting on hold, I finally got my fees waived for the second round, but I never received a refund from the time before as promised. What a nightmare! I feel I wasn't informed throughly and lost money in the process.Desired Settlement: I don't want any bad marks in my credit due to this if possible.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

This fee was charged due to your failure to validate your

PCI-DSS compliance, as required by your merchant agreement. Any business with

an open merchant account is required to attest to PCI-DSS compliance on an

annual basis. The due date varies depending on when you opened your Merchant

Account. In preparation for your due date, we send courtesy notifications via

standard mail and email, to advise you of the approaching deadline. Failure to

complete your Self Assessment Questionnaire by the due date resulted in a

non-validation fee. An open Merchant Account will continue to receive the

non-validation fee on a monthly basis until the compliance is completed. When

you certify your compliance with PCI-DSS, you demonstrate your commitment to

Data Security, in addition to reducing your exposure to fraud and the costs

associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a

transaction and are obligated (per your agreement) to comply with all mandates

set by the processing bank. This includes completing your PCI Compliance

requirements. If we are unable to retrieve funds from your bank account due to

insufficient funds, per the Terms and Conditions, your account may be submitted

to collections.

If your collections amount(s) have been resolved, then you

should not worry about an impact to your credit report(s). However, if you do

not resolve the collection matter, the amounts may be reported. Please contact

the collections department if you are unsure on the status of your collections

account.

Review: In November 2014, I saw an ad for Uswipe low credit card processing fees. There were multiple comments on the Facebook ad asking if there were any other fees aside from the transaction fees, and they replied to these comments stating that there were no other fees. So I signed up for Uswipe, received the card swiper in the mail, downloaded the app, but either the app or the swiper did not work, so I went back to my previous method for credit cards.

On 3/2/15, $99 was drafted from my bank account. I contacted my bank as I had no idea where this came from, and they found that it was First Data Merchant Service, and gave me the phone number to call. I called them and they tried to look up my account by email, phone number, name, etc. They could not find my account. So my bank refunded me the $99. I later received a statement from Uswipe showing the -$99, so I knew it came from them.

One month later on 4/2/15, I had another $99 drafted from my account. I didn't realize that for a direct draft I had to dispute with my bank within 2-3 days. I believe it was around 5 days or a week later when I contacted my bank, so I didn't receive the refund, but they were able to block this company from taking any more money out of my account.

I tried to log into my online Uswipe account to cancel, however it stated that my account was deactivated so I couldn't log in. I tried to contact Uswipe by phone, and could not get through. There was no way to wait on hold or leave a message. I tried to contact by their customer service email address on their website ([email protected]), and the email bounced back saying the address was rejected.

I figured I'd take the $99 as a loss since I couldn't get in contact with them. Now I have received a letter and a phone call from a collection service, stating that I owe something around $250. I have not received a bill or any other contact from Uswipe regarding the ~$250, only contact from the collection agency.Desired Settlement: I would like a refund of the $99 I have already lost, and no further contact from Uswipe, First Data Merchant Service, or the collection agency.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

The fee you incurred was not a monthly fee for having an

account. This fee was charged due to your failure to validate your PCI-DSS

compliance, as required by your merchant agreement. Any business with an open

merchant account is required to attest to PCI-DSS compliance on an annual

basis. The due date varies depending on when you opened your Merchant Account.

In preparation for your due date, we send courtesy notifications via standard

mail and email, to advise you of the approaching deadline. In your complaint,

you acknowledge having received statements from uSwipe; the PCI notification letter

would have been mailed to the same mailing address. Failure to complete your

Self Assessment Questionnaire by the due date resulted in a non-validation fee.

An open Merchant Account will continue to receive the non-validation fee on a

monthly basis until the compliance is completed or the account is closed. When

you certify your compliance with PCI-DSS, you demonstrate your commitment to

Data Security, in addition to reducing your exposure to fraud and the costs

associated with it.

Per your Program Guide and our Terms and Conditions, any

fees you incur from your Merchant Account can be debited from the checking

account provided to us when your uSwipe account was opened, including

non-validation fees. Even if you never processed a transaction through uSwipe,

by having an open Merchant Account you have the ability to process a

transaction and are obligated (per your agreement) to comply with all mandates

set by the processing bank and the various card associations (Visa, MasterCard,

etc). This includes completing your PCI Compliance requirements. When you state

your attempted to login, you are likely referring to the mobile processing app,

which allows you to accept credit cards from you mobile device. User accounts

for that type of equipment get deactivated for security when there is

inactivity for more than 90 days. However, your merchant account (which

incurred the non-validation fees) is separate from any equipment you use process

transactions.

When you spoke with First Data’s customer support, they

would have been able to pull up your account based on the Merchant Account ID

number that is provided on the Merchant Statement (which you have confirmed you

received). Additionally, the email address you provided

(@usbankcardservice.com) is not related to uSwipe Inc; uSwipe’s website has

many ways to contact us include our direct phone number (###-###-####) and our

email address ([email protected]). Rejecting

the balance due through your banking institution does not resolve the balance

due and in fact places your account in violation of the service agreement and

is what resulted in your collection balance. The statements that you received

from uSwipe/First Data Merchant Services is your bill and each time your

rejected the balance due, that amount was added to your collection balance,

plus any collection fees due to First Data Merchant Services.

Your account has been closed as of June 8, 2015 due to your collections

balance. In order to resolve the collection balance, you must contact First

Data Merchant Service’s collection department using the contact information

provided on the letter. Once an account falls into collections, uSwipe is

unable to assist with resolution.

Review: Contacted Uswipe in mid Sept 2015 concerning the return of credit card machine. I was told they would be sending a "call tag" for the return of their unit. Our business ceased making transactions on their unit at this time. Three weeks later, still no sign of a call tag via email or postal mail; a return phone call was made to company and I was told that they "stopped sending call tags" (with no notification to me), and I would have to return unit on my own. Returning their unit was done via US postal mail at a cost of $42.84 including tracking number. Uswipe acknowledged receipt of returned unit.My dispute is the $133.95 (one hundred thirty three dollars and ninety five cents) charge to business checking account for Month Oct 1 2015 thru Oct 31 2015. This charge was taken out of business account on Nov 2.I called customer service who refused to take charge of situation and instead referred me to another phone number - ###-###-####.After speaking with a representative at this number and explaining all of the above, she refused to reimburse our business account and instead just kept explaining why there were charges.I feel that the $133.95 should be reimbursed to business account. All of our actions were done and completed in good faith, there should not be a single charge for the month of Oct with zero transactions.Desired Settlement: Return of 133.95 to our company.

Business

Response:

uSwipe takes great pride in conducting business with the

highest level of service and support. We have and continue to develop long

lasting relationships with our merchant, affiliates, and business partners; we

regret any time we receive a response from an unsatisfied customer.

After reviewing the account, I indeed show that we failed to

close your account in a timely manner. Please note that the refund of $133.95 will

be mailed. Please allow 5-7 business days for receipt. We apologize for the

delay in processing your request.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10943990, and find that this resolution is satisfactory to me.

L[redacted]