2Checkout.com Inc.

You received an email below: from your Sales Representative, Brian on August 5, 2015:"Your 2Checkout account is approved and able to process payments today. However, we got a notice from 2Checkout Legal on 8/stating that all store selling lenses (prescription and cosmetic) will be closed. I wish I had more information about the timeline for this product category being closedI wanted to let you know this so you can begin planning accordingly."You were advised that you were welcome to continue selling until our Risk and Compliance Department notifies you. Our Risk Department closed all accounts that were selling contact lenses on September 16, and notified you via email. Our policy for accounts that are closed is to hold the funds for a period on days, (as listed in our International Terms of Service). We have moved the review of your final payment from a day hold to a day hold, as offered in a previous response. Your account will be reviewed on November 15, for the final payment release. As long as there are no refunds or chargebacks that have been placed through your account, a payment should be released to you on Thursday, November 17,

Due to the miscommunication, I have requested that an adjustment be made on your account to return the $ US Dollars, ($ Canadian Dollars), to your Seller account. In order for your account to be reactivated, please contact our Risk Department at: ***@2co.com, stating that you will will only be accepting sales through the approved website; www***.com, for the products that were approved for sale when you applied for the Seller account

Hi,On my credit card statement the name malescammers appear along with a phone number which belongs to the third party billing agency I believed I explained this in the first email I sent to you There was no direct contact information for malescammers other than through their website which is useless since they are not responsiveI have filed a report with my credit card company and they are looking into it but have not filed a report with the other avenues you mentioned

This is not acceptable and I don't want you to disclose any information to me, I know more than your do about the websites I have mentioned in y last emailI know all the founders of thoose websiteMy problem is not THEMIt is you way of working ad your pathetic services I wanted to know A REAL REASON OF CLOSING MY ACCOUNT OR ELSE, I WILL STARTING BLOGGING ABOUT ALL THIS , PUTTING ON YOUR FACEBOOK, GOOGLE+ , TWITTER PAGE AND ON OTHER POPULAR PAGES. I AM VERY DISAPPOINTED from your silly reply that you doesn't support my nature of business, then why your company has approved the applicationN why you have subscriber from same industryTHIS IS LIKE MAKING FOOL OF OTHER AND WASTING OTHER PEOPLE TIMEI NEED THE GENUINE AND ACCEPTABLE REPLY FROM YOUR END OR ELSE I WILL VIRAL IT , ABOUT HOW YOU MAKING FOOLS ALLOWING ANYONE TO ACCEPT PAYMENT AND LATER WHEN THEY ADD THEIR BANK ACCOUNT DETAILS TO TRANSFER THE FUNDS YOU CLOSE THE ACCOUNT AND HOLD THE WHOLE MONEY FOR MONTHS FOR NO REASONS IF you do not find you any good reason then I want to get activate my account.
Regards,
*** ***

Hello ***2CO is a payment processing company for the Seller and we can help you regarding payment related inquiries. I understand your frustration with the Seller, however, the contract for the services that you purchased is a contract between you and the Seller. As a payment
processor, 2Checkout does not provide customer support for the Seller, we also do not issue refunds or cancellations for a sale, this is solely the Sellers responsibility. In the meantime, I have contacted the Seller and requested that they contact you to resolve your issuesPlease make sure to check any bulk, junk, trash or spam folder that you may have for their replyIf you do not receive a satisfactory reply from the Seller, your other option is to contact your credit card provider to open a dispute/chargeback to recover the funds.We have fairly strict performance standards for those sellers for which we process payments and we do not take complaints regarding our Sellers lightlyYour complaint has been recorded and forwarded to the appropriate department.Best Regards,Beth2Checkout

Hello ***In reviewing the information in the system, you placed orders with http//www.isnare.com/distribution.phpOrder number ***, was placed on 2015-04-26, through your PayPal account and order number ***, was placed with your Visa card ending in **, on 2015-04-28. I
see that you opened a PayPal dispute for order number ***, we are obligated to uphold any decision that PayPal makes for the decision on the dispute.We have, however, contacted the Seller on your behalf, as requested by you, on 21-May-2015, requesting that they contact you in regards to the request of a refund of the orders that you placed through their website. You may also contact the seller by phone: *** or by their customer care email address: ***, provide them with your order numbers, *** and ***, to request the refund of your orders. Please make sure to check any bulk, junk, trash or spam folders that you may have for the replay from the seller once you contact them via email. Please allow them 24-hours for the seller to contact you via email.Sincerely,
*** ***

Sale number ***, is a sale that was placed through PayPal. The buyer issued a dispute through PayPal stating that they did not receive all of the services that they paid for. We supplied all of the information to PayPal that you provided, unfortunately, PayPal decided the case
for the buyer and took the funds back. We had no choice in the matter, we did everything that we could do to challenge the dispute for you

Hello ***We conduct ongoing monitoring of all sub-merchant accountsPrior to our most recent review, we were comfortable with the activity within the accountHowever, after the most recent account review, our findings initiated the immediate action to close the account and stop processing
payments for your businessWe contacted you on May 20, 2016, to advise you of the closure of your account. I do understand the disappointment at the closure of your account, there were many factors that are taken into consideration when closing an account. Due to the sensitive nature and confidentiality of our review process, we are unable to disclose or release specific details of our review. Beth*** *** ***

Hello ***Due to the fact that PayPal is handling your dispute. We will need to abide by the decision that PayPal makes on the case.Sincerely,Beth C***

I am rejecting this response because: I want to what this standard is for chargeback volumes as I've had one charge back ever, and the very first transaction my company had through 2CO services was caught by their fraud system
Yes, I only have six transactions through them over time since May but one fraudulent chargeback and good by and oh we are holding your money for daysThe only client that I had left using 2CO is now ordering a second dedicated server through me and will not be doing any chargebacks, but they'll still lock up my money
My other portion of this complaint is that there is no warning via email or phone call to discuss a solution or uniqueness of the situationLow volume sales and one chargeback, my only one in years of selling online, and pull a plugI want to see some sort of policy change as well for future merchants working with this companyEvery other company built on service works with their customersThey need to learn this and create policies to reflect thisPlus issuing my account through a sales partner of theirs that sells web hosting, a business with a very high rate of fraudulent attempts, there should be a higher tolerance, understanding and a working communication with the 2CO clients that offer these servicesI went through a lot of hoops to be approved by them and their partnersBut to pull a plug on a service and hijack operation money for days with out consult of any kind is the worst
Even something as simple as a notice stating that your account is under review, here are our findings, you have XX amount of days to reply and dispute or resolve, which ever the case may be

Hello ***The website that you purchased the product from is http//www.ssl2buy.com. 2Checkout is only the payment processor for the Seller, you will need to contact the Seller directly through their website to request the refund of your order with them. The Seller's Customer Care
phone number is: ***2, and their direct emails are as follows: *** *** or*** Please make sure to include your order number: *** and email address, *** when contacting the Seller directly. Please make sure to check any bulk, junk, trash or spam folders for their reply.Sincerely,Beth 2Checkout

Hello *** You yourself have stated that you are providing “electronic programs guide for IPTV and OTT providers”, which is considered a file sharing/streaming service. We cannot support this type of service through our platform. I have pointed out that it is in our Terms of Service that you agreed to upon applying for a 2Checkout Seller account that “In the event we, in our discretion, determine that there is a need for an investigation and analysis regarding fraud, violation of Card Association Rules, violation of our Prohibited Products List, or violation of law relating to the Transactions performed on your behalf, we may withhold payment of Purchase Payments to you without penalty, to enable us to complete such investigation and analysisIf it is determined that there has been fraud, violation of Card Association Rules, violation of our Prohibited Products List, or violation of law relating to the Transactions performed on your behalf, we may withhold payment of the Purchase Payments to you indefinitely.” The review for your final payment release is 07/18/2017. As long as there are no chargebacks through your account, a payment will be released on the following payment cycle after the review date, 07/18/Our contract with *** that allows buyers to use their *** account as a funding source for any sale that is placed through our checkout process. The payments that buyers place by using their *** account as a payment source is not a violation of ***’s nor 2Checkout’s policiesSincerely, ** ***
*** ***
***

I reached out to the seller as suggested and no response was received since I last emailed them on March Since the seller is affiliated with you, please refund us or connect us Otherwise I am left with no recourse
Regards,*** ***

Hello ***In reviewing the information in our system, I see where you have opened a dispute with PayPal in regards to the payment for the services that you purchased through *** Due to the decision that was made by PayPal on the dispute that you filed, we are not able to
issue refunds on behalf of the Seller.I do see that you have been in contact with the seller previously in February regarding your services. The seller has also contact us with the below message, which we forwarded to PayPal:"Hi, He has a due $that's why I do not give the full work ..and also he don't give a perfect time when I can contact him that I do deliver the work Please ask him to send my half payment and I will do give his work ...DoneThank you !"Please contact the seller at their Customer Care phone number;############### or you can contact them through their Customer Care email address: ***, to work the issue out. Please make sure to include your order/sale number when contacting the seller.Sincerely,
*** *** * *** *** ***

I have card attached with 2checkout and if any of the transaction result in chargeback they can charge from that Cards and those charge back will not happen for 100% sure, and you're putting un reasonable hold as I saw most the time it's day's but in my case it's day's ! I have never seen any 2Co user to share this informationalso as per Checkout's statement every transaction made in this world from online are suppose to a hold of Month's !? That's how the world is doing business on internet ? Month's Hold to realize if a Chargeback Happens ! this is not fair by any meansi don't agree with itthis is just a showoff reason to hold the fundsnothing else
Regards, *** ***

This company had established a 5% reserve at first and without explanation nor warning it raised the reserve rate to 25%Imagine you as a business having a 500% increase in monies being held overnight without warningThese are unacceptable business practices and clearly a bait and switch techniqueHad I known from the start that the reserve rate would be 25%, I would have stuck with PayPal that is currently offering 5%
Regards, *** ***

***Thank you for contacting us regarding your concerns Your 2Checkout account has not been closed we are only requesting that you provide us the documentation to support your iPhone case chargers.We only accept Apple accessories that are certified by the Apple MFi program:
*** Please send an email to your account executive *** with the proper documentation so that we may complete the underwriting portion of your account We look forward to doing business with you Please let us know if we can assist you further
*** 2Checkout

Hello [redacted]I requested that our Risk Department's Supervisor review your account and website once again.  It appears that you have mistakenly received the cyberlocker closure communication, your account will not be closed and you should receive an email from our Risk Department shortly with the information on  your account.I apologize for the misunderstanding.Sincerely,Beth 2Checkout

Customer Deeneen Eastridge purchased a recurring membership for a quilting club 7/22/2016.  The agreement in the membership upon signing up was that it will bill until cancelled on a yearly basis.   2Checkout is responsible for the processing of those payments for this merchant  and...

does not have any record of the customer contacting us to cancel the agreement.   The merchant the customer purchased from has an online contact page form that could be completed if the customer has any issues.    The customer was charged on July 22nd 2017 for the 2nd installment using PayPal as the funding source, PayPal returned those funds to the customer.   2Checkout is not responsible for the funds not being available at the time of the second installment.   While we do recognize that 1 year in between billings can become an oversight, the merchant sent out an email to remind the customer of the upcoming billing.We regret if this process has caused the customer any inconvenience but we are not obligated to credit any additional funds.  Order number 105972633507 order was placed with Merchant Patchwork Posse URL  www.iaquilters.com

Hello [redacted],
In reviewing the information that you have submitted in this email, I was not able to locate a sale in 2CO.com's system.  Please contact us at; ###-###-####, if you are in the US, you can contact us at; ###-###-####, we will need further information from you in order to locate...

the sale in our system.  You can also email us at; [redacted] and provide the first 6 and last 2 digits of the credit/debit card that was charged or if the billing was placed through a PayPal account, you can provide us with the Invoice ID from PayPal.
You can also go to our website; www.2CO.com and look up the details for the charge by entering the first 6 digits and last 2 digits of the credit card number and an email that may have been used to place the order + the order number, if you have this information. 
Sincerely,
[redacted]