I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
This response from 2CO which I have received before many times from themMay I ask you who has the right to say that the buyer took a part or a full services? The website is clear and the buyer has already agreed to payment polices, she received all services she paid forPublication is our duty and job and we completely fulfilled itThis I sent to you as a photo of the book and a copy of her certificateShe did not get her visa which is not our responsibility as mentioned on the website as we can't encourage any consulate to allow an individual to travelIt is their responsibility as this is oursHowever it is not work or services that she paid for.My complaint towards 2CO is that after the conference took place and after having settled and closed that chapter, they didn't review the instructions and polices they already published on the payment page, which have also been reviewed by the buyerI'sure that [redacted] knows quite well that in this case the customer is not right and that we have a right that they are obligated to refund us the moneySo can 2CO answer my question: are all services done not enough and incomplete? which service do you mean was not complete? Who offered you or PayPal the right to recognize that we didn't serve the buyer? And finally who will pay for the services already done for this buyer? I believe it is hard for you to be the judge for that and request an answer to these proposed questions.Also kindly, don't reply using the same answer without having read my email wellI request human and thorough responses
The solution offered by business did not help as seller never responded to the email I sent on may as suggested by the businessAs you collected the payment on behalf of your customer, you should be able to charge them back and issue a refund to me asap.Here is the copy of email sent to seller on May and no response received as of 06/03/
I am rejecting this response because: They provide checkout services to many web host provides but seem unfair to refuse me as a web host provider and insisting that I had an previous account Regards, [redacted]
Hello [redacted] Our International Seller Agreement states that we can update the reserves for an account at any time that it deems warranted You agreed to the International Seller Agreement upon applying for a 2Checkout Seller account The information can be found in our International Seller agreement: [redacted] , under section: FEES, J Reserve “The following provisions of this Section shall apply to the Reserve: We will withhold from you a reserve equal to the percentage of your gross sales ("Reserve") for each day you participate in our programsThe Reserve is in addition to the fees and charges that will be assessed against you and shall be held in accordance with the terms of the AgreementIn addition, we may increase the percentage of gross sales withheld for the Reserve if there are excessive Disputes, Refunds, and Returns, or if we, in our sole discretion, deem that either you or the Products you offer create a financial or reputational risk to us, or if we otherwise reasonably deem ourselves insecureWe may fund the Reserve by deductions from payments due to you, by charges against the Settlement Account, or by making a demand to you for the amount necessary to fully fund the Reserve, which demand you will comply with within one (1) business dayYou shall not have the ability to debit the Reserve during the period it remains open and you will obtain and execute the documents required by the financial institution where the Reserve is established that enable us to make such debits and to restrict you from debiting the ReserveThe amount required to be maintained in the Reserve, and the terms and conditions regarding maintaining the account, shall be established by 2CO, in our reasonable discretionUpon termination of this Agreement, we may require an additional Reserve to cover possible indebtedness to us for Transactions initiated prior to terminationThe Reserve will be maintained after the termination date of this Agreement until we determine that the release of the funds to you is prudent, in our best interest, commercially reasonable, and all of your contingent liabilities are fully resolvedUpon expiration of this period, any balance remaining in the Reserve will be paid to youWe will inform you of any charges debited to the Reserve during this periodYou hereby grant us a security interest in the Reserve and all proceeds thereof to secure all fees, costs, and charges due in accordance with this AgreementThe Reserve will be separate from the Settlement AccountYou shall have no right of withdrawal from the ReserveIf we request, we, you and the financial institution where the Reserve is held will enter into an authenticated agreement requiring the financial institution to abide by our directions with regard to the funds in the Reserve applicable to youIn addition to any regularly required Reserve, we may, at our sole discretion, direct funds to the Reserve and withhold payment to you at any time that we become concerned about any aspect of your business including, but not limited to concerns about the operation, management or financial performance of your business, or concerns about the Products you offer for saleYou will not at any time during the term of this Agreement, or until all amounts due under this Agreement have been paid in full, grant or pledge any security interest or lien in the Reserve, Settlement Account, or Transaction proceeds to any person, without our prior written consent.” The products/services that you provide, are considered a higher risk product/service by the industry We we are temporarily raising your reserve level to 25%, based on the nature of the services you provide This change will remain in effect until your account is reviewed again in May, Sincerely, EC***
Hello [redacted] ,Based on the review conducted by our Loss Prevention Unit, it was determined that we are currently unable to process payments for your business at this time As our review process may be confidential or proprietary in nature, further details are not available However, full policy details regarding account closure may be readily located here: https://www.2checkout.com/policies.In an effort to mitigate any chargebacks or refunds that may be potentially processed by your buyers, the pending balance will be held for a final review which has been dated for 7/14/ As long as there has not been any chargebacks through your Seller account, the pending balance will be released to you on the next available payment cycle after the review date You can locate additional information regarding the holding of funds at the time of closure through the above link I have forwarded your request for information regarding the details of the recurring sales that were active at the time of closure Sincerely,BethClient Services
Hello [redacted] Due to security, we are not able to discuss other Seller accounts with you Your account cannot be re-opened due to the nature of your business and the high risk of chargebacks that are associated with this type of business.Sincerely,Beth [redacted] 2Checkout
Thank you for your follon the matter but I am not satisfied.We have asked 2checkout to prove that these payments were fraudulent and they have not answered us.With regards to the bank transfer, please check attached email correspondence with our bank which clearly shows that 2CO did not follow proper procedure.As a result the bank returned the paymentAll details are in attached emailSo 2CO made a wrong transfer, then ends up debiting us for the return.And finally, we have not received any payment from 2CO, even for the non fraudulent transaction.Regards, [redacted] ***
Hello ***,I have emailed you with the information that we need in order to release your final payment to youPlease reply to the email before this Wednesday, July 19, 2017, with the correct information that is requested and we will be able to release your final payment to you on this week's payment cycle.Regards,Beth2Checkout / Client Services
Hello [redacted] Unfortunately, I see where you have contacted [redacted] this morning and requested that your account to be canceled Please contact your Account Executive, [redacted] to provide them with the information on your account and work out any issues Sincerely, [redacted] 2Checkout
On August 7, 2014, you were advised that your account was approved and fully activated for the website URL; http://www [redacted] .com, with the soft descriptor of [redacted] , under the company name of Unex Management SErvices, INC (This was in response to your Seller account not approved to sell at the time, due to the inactivity of the account).You contacted us on November 13, 2014, stating that your account was still inactive This was addressed on November 14th, by a 2Checkout Representative advising you that your account had been placed in a dormant status and you will need to create a test sale to reactivate your Seller account On November 21, 2014, you placed a test sale through your approved URL, http://www [redacted] .com, to prevent your Seller account from going dormant again.On Tuesday December 16, 2014, you stated that you would like to change your domain name from [redacted] .com to ***.***, and wanted to change your soft descriptor from [redacted] to *** Our Risk Department replied to your request on Wednesday, December 17, with the below message:"Unfortunately, 2Checkout cannot support the products being sold from https:/, were prohibited The product is a replica of [redacted] and thus could present serious legal issues Your account was never activated for the website https:/.As for the order that was placed through https:/, as it was a prohibited product with serious legal liabilities, we could not allow the order to be accepted, and we advised you to contact your buyer and arrange an alternative payment method
Hello [redacted] I have issued the refund for your order with [redacted] and contacted the Seller to inform them of the situation You should see the refund posted to your Visa account within 7-business days.Sincerely, Beth
Hello [redacted] ,We have provided you with details pertaining to the closure of your account through multiple emails between our support team and yourself Below is the information regarding the closure of your account.Your account was closed as it was determined that you were masking sales for a prohibited services, (TV Services, as to which you yourself have stated), which is an item listed on our prohibited product list and is wholly unsupportable As this investigation revealed that masked sales for prohibited products were made through your account, account closure was warranted, and in full compliance with the terms governing your accountAdditional detail may be located here: [redacted] This account will not be reinstated due to the breach of 2Checkout policies in regards to providing services/products that are listed on our Prohibited Products list Per our Sub-Merchant Services Agreement (Domestic): “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.”Pursuant to our privacy policy, we have an obligation to retain information for as long as reasonably required for business purposes or as reasonably required to comply with our legal obligations As a result, we are unable to delete the information as requested at this time The information will be deleted at the expiration of our record retention requirements These are the policies of 2Checkout that you have agreed to upon applying for a 2Checkout Seller account We have mailed a 1099-K tax form to the mailing address that you entered on the Seller account.Regards, [redacted]
2Checkout mentioned that if we shut down the account, they will have to hold our funds up to daysThe problem is, It is not us who want to close (terminate/shut down) the account in advanceIt was because of their sudden-new-policy which they terminated our accountThis is fine for us as we understand that they have new policyWhat really not fair to us is, they have to hold our funds for days (although they said they "maybe" lower it to days)and caused our financial lost as we owe our supplier payment and currently paying interestWhy their sales team didn't inform us/tell us/remind us that IF they terminate our account, they will have to hold our fund? I find it they purposely hidden/omitted this and continue let me collecting payment untill I try to withdraw the funds, they shut it down, and hold all of my funds.We can provide proof of delivery and everything, there is no way to hold our funds like this.We sincerely hope Revdex.com can help us in this matter
We do recognize the chargebacks on your account were a result of one buyer charging three orders back, however there are certain risks to conducting online card not present businessThe industry chargeback standard is 1% and your account reached levels much higher than the industry standard at 7.10%We are required by our banking partners to monitor and manage chargeback levels on all of our sub-merchant accounts Unfortunately, the chargeback level on your account remained much too high after the initial chargeback notice was sent on April 8, Let me know if you have any additional questionsChristy F*
[redacted] When your account was initially underwritten the services were supportableOur policy has recently changed due to the high risk of chargebacks and refunds which are associated with this kind of serviceDue to this risk we have made the decision to no longer support this services which is why the account has been closedPlease let us know if your need further clarification Christy F*
Hello [redacted] In reviewing your account, there has been a partial payment that has been released to you on 2/24/ The review date for your final payment is set for 8/10/ As long as there are no issues with We have provided to you the reason that your account was closed, this was due to a service that you were providing that is listed on our Prohibited Products ListI also see where you have a case opened in our system Please allow a few days for Lauren to reply to your email.Sincerely,EC***
Hello [redacted] We do take the complaints that are received regarding the Sellers that use 2Checkout as their payment processor seriously At this time, our Loss Prevention Unit is investigating the issue of the Seller not responding to your inquiries.In reviewing your order, order number [redacted] , I do see where you have initiated a chargeback through your funding source for your PayPal account on July 17th Please allow a few days for this process to complete.Sincerely,Beth Cobbs [redacted] 2Checkout
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
This response from 2CO which I have received before many times from themMay I ask you who has the right to say that the buyer took a part or a full services? The website is clear and the buyer has already agreed to payment polices, she received all services she paid forPublication is our duty and job and we completely fulfilled itThis I sent to you as a photo of the book and a copy of her certificateShe did not get her visa which is not our responsibility as mentioned on the website as we can't encourage any consulate to allow an individual to travelIt is their responsibility as this is oursHowever it is not work or services that she paid for.My complaint towards 2CO is that after the conference took place and after having settled and closed that chapter, they didn't review the instructions and polices they already published on the payment page, which have also been reviewed by the buyerI'sure that [redacted] knows quite well that in this case the customer is not right and that we have a right that they are obligated to refund us the moneySo can 2CO answer my question: are all services done not enough and incomplete? which service do you mean was not complete? Who offered you or PayPal the right to recognize that we didn't serve the buyer? And finally who will pay for the services already done for this buyer? I believe it is hard for you to be the judge for that and request an answer to these proposed questions.Also kindly, don't reply using the same answer without having read my email wellI request human and thorough responses
The solution offered by business did not help as seller never responded to the email I sent on may as suggested by the businessAs you collected the payment on behalf of your customer, you should be able to charge them back and issue a refund to me asap.Here is the copy of email sent to seller on May and no response received as of 06/03/
I am rejecting this response because: They provide checkout services to many web host provides but seem unfair to refuse me as a web host provider and insisting that I had an previous account Regards, [redacted]
Hello [redacted] Our International Seller Agreement states that we can update the reserves for an account at any time that it deems warranted You agreed to the International Seller Agreement upon applying for a 2Checkout Seller account The information can be found in our International Seller agreement: [redacted] , under section: FEES, J Reserve “The following provisions of this Section shall apply to the Reserve: We will withhold from you a reserve equal to the percentage of your gross sales ("Reserve") for each day you participate in our programsThe Reserve is in addition to the fees and charges that will be assessed against you and shall be held in accordance with the terms of the AgreementIn addition, we may increase the percentage of gross sales withheld for the Reserve if there are excessive Disputes, Refunds, and Returns, or if we, in our sole discretion, deem that either you or the Products you offer create a financial or reputational risk to us, or if we otherwise reasonably deem ourselves insecureWe may fund the Reserve by deductions from payments due to you, by charges against the Settlement Account, or by making a demand to you for the amount necessary to fully fund the Reserve, which demand you will comply with within one (1) business dayYou shall not have the ability to debit the Reserve during the period it remains open and you will obtain and execute the documents required by the financial institution where the Reserve is established that enable us to make such debits and to restrict you from debiting the ReserveThe amount required to be maintained in the Reserve, and the terms and conditions regarding maintaining the account, shall be established by 2CO, in our reasonable discretionUpon termination of this Agreement, we may require an additional Reserve to cover possible indebtedness to us for Transactions initiated prior to terminationThe Reserve will be maintained after the termination date of this Agreement until we determine that the release of the funds to you is prudent, in our best interest, commercially reasonable, and all of your contingent liabilities are fully resolvedUpon expiration of this period, any balance remaining in the Reserve will be paid to youWe will inform you of any charges debited to the Reserve during this periodYou hereby grant us a security interest in the Reserve and all proceeds thereof to secure all fees, costs, and charges due in accordance with this AgreementThe Reserve will be separate from the Settlement AccountYou shall have no right of withdrawal from the ReserveIf we request, we, you and the financial institution where the Reserve is held will enter into an authenticated agreement requiring the financial institution to abide by our directions with regard to the funds in the Reserve applicable to youIn addition to any regularly required Reserve, we may, at our sole discretion, direct funds to the Reserve and withhold payment to you at any time that we become concerned about any aspect of your business including, but not limited to concerns about the operation, management or financial performance of your business, or concerns about the Products you offer for saleYou will not at any time during the term of this Agreement, or until all amounts due under this Agreement have been paid in full, grant or pledge any security interest or lien in the Reserve, Settlement Account, or Transaction proceeds to any person, without our prior written consent.” The products/services that you provide, are considered a higher risk product/service by the industry We we are temporarily raising your reserve level to 25%, based on the nature of the services you provide This change will remain in effect until your account is reviewed again in May, Sincerely, EC***
Hello [redacted] ,Based on the review conducted by our Loss Prevention Unit, it was determined that we are currently unable to process payments for your business at this time As our review process may be confidential or proprietary in nature, further details are not available However, full policy details regarding account closure may be readily located here: https://www.2checkout.com/policies.In an effort to mitigate any chargebacks or refunds that may be potentially processed by your buyers, the pending balance will be held for a final review which has been dated for 7/14/ As long as there has not been any chargebacks through your Seller account, the pending balance will be released to you on the next available payment cycle after the review date You can locate additional information regarding the holding of funds at the time of closure through the above link I have forwarded your request for information regarding the details of the recurring sales that were active at the time of closure Sincerely,BethClient Services
Hello [redacted] Due to security, we are not able to discuss other Seller accounts with you Your account cannot be re-opened due to the nature of your business and the high risk of chargebacks that are associated with this type of business.Sincerely,Beth [redacted] 2Checkout
Thank you for your follon the matter but I am not satisfied.We have asked 2checkout to prove that these payments were fraudulent and they have not answered us.With regards to the bank transfer, please check attached email correspondence with our bank which clearly shows that 2CO did not follow proper procedure.As a result the bank returned the paymentAll details are in attached emailSo 2CO made a wrong transfer, then ends up debiting us for the return.And finally, we have not received any payment from 2CO, even for the non fraudulent transaction.Regards, [redacted] ***
I reviewed the response made by the business in reference to complaint ID [redacted] , and I have no choice but to accept it
Hello ***,I have emailed you with the information that we need in order to release your final payment to youPlease reply to the email before this Wednesday, July 19, 2017, with the correct information that is requested and we will be able to release your final payment to you on this week's payment cycle.Regards,Beth2Checkout / Client Services
Hello [redacted] Unfortunately, I see where you have contacted [redacted] this morning and requested that your account to be canceled Please contact your Account Executive, [redacted] to provide them with the information on your account and work out any issues Sincerely, [redacted] 2Checkout
On August 7, 2014, you were advised that your account was approved and fully activated for the website URL; http://www [redacted] .com, with the soft descriptor of [redacted] , under the company name of Unex Management SErvices, INC (This was in response to your Seller account not approved to sell at the time, due to the inactivity of the account).You contacted us on November 13, 2014, stating that your account was still inactive This was addressed on November 14th, by a 2Checkout Representative advising you that your account had been placed in a dormant status and you will need to create a test sale to reactivate your Seller account On November 21, 2014, you placed a test sale through your approved URL, http://www [redacted] .com, to prevent your Seller account from going dormant again.On Tuesday December 16, 2014, you stated that you would like to change your domain name from [redacted] .com to ***.***, and wanted to change your soft descriptor from [redacted] to *** Our Risk Department replied to your request on Wednesday, December 17, with the below message:"Unfortunately, 2Checkout cannot support the products being sold from https:/, were prohibited The product is a replica of [redacted] and thus could present serious legal issues Your account was never activated for the website https:/.As for the order that was placed through https:/, as it was a prohibited product with serious legal liabilities, we could not allow the order to be accepted, and we advised you to contact your buyer and arrange an alternative payment method
Please note that there has been no adjustment made on our account to return the USD (CND 219.66)
Hello [redacted] I have issued the refund for your order with [redacted] and contacted the Seller to inform them of the situation You should see the refund posted to your Visa account within 7-business days.Sincerely, Beth
Hello [redacted] ,We have provided you with details pertaining to the closure of your account through multiple emails between our support team and yourself Below is the information regarding the closure of your account.Your account was closed as it was determined that you were masking sales for a prohibited services, (TV Services, as to which you yourself have stated), which is an item listed on our prohibited product list and is wholly unsupportable As this investigation revealed that masked sales for prohibited products were made through your account, account closure was warranted, and in full compliance with the terms governing your accountAdditional detail may be located here: [redacted] This account will not be reinstated due to the breach of 2Checkout policies in regards to providing services/products that are listed on our Prohibited Products list Per our Sub-Merchant Services Agreement (Domestic): “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.”Pursuant to our privacy policy, we have an obligation to retain information for as long as reasonably required for business purposes or as reasonably required to comply with our legal obligations As a result, we are unable to delete the information as requested at this time The information will be deleted at the expiration of our record retention requirements These are the policies of 2Checkout that you have agreed to upon applying for a 2Checkout Seller account We have mailed a 1099-K tax form to the mailing address that you entered on the Seller account.Regards, [redacted]
2Checkout mentioned that if we shut down the account, they will have to hold our funds up to daysThe problem is, It is not us who want to close (terminate/shut down) the account in advanceIt was because of their sudden-new-policy which they terminated our accountThis is fine for us as we understand that they have new policyWhat really not fair to us is, they have to hold our funds for days (although they said they "maybe" lower it to days)and caused our financial lost as we owe our supplier payment and currently paying interestWhy their sales team didn't inform us/tell us/remind us that IF they terminate our account, they will have to hold our fund? I find it they purposely hidden/omitted this and continue let me collecting payment untill I try to withdraw the funds, they shut it down, and hold all of my funds.We can provide proof of delivery and everything, there is no way to hold our funds like this.We sincerely hope Revdex.com can help us in this matter
We do recognize the chargebacks on your account were a result of one buyer charging three orders back, however there are certain risks to conducting online card not present businessThe industry chargeback standard is 1% and your account reached levels much higher than the industry standard at 7.10%We are required by our banking partners to monitor and manage chargeback levels on all of our sub-merchant accounts Unfortunately, the chargeback level on your account remained much too high after the initial chargeback notice was sent on April 8, Let me know if you have any additional questionsChristy F
*
[redacted] When your account was initially underwritten the services were supportableOur policy has recently changed due to the high risk of chargebacks and refunds which are associated with this kind of serviceDue to this risk we have made the decision to no longer support this services which is why the account has been closedPlease let us know if your need further clarification Christy F
*
Hello [redacted] In reviewing your account, there has been a partial payment that has been released to you on 2/24/ The review date for your final payment is set for 8/10/ As long as there are no issues with We have provided to you the reason that your account was closed, this was due to a service that you were providing that is listed on our Prohibited Products ListI also see where you have a case opened in our system Please allow a few days for Lauren to reply to your email.Sincerely,EC***
Hello [redacted] We do take the complaints that are received regarding the Sellers that use 2Checkout as their payment processor seriously At this time, our Loss Prevention Unit is investigating the issue of the Seller not responding to your inquiries.In reviewing your order, order number [redacted] , I do see where you have initiated a chargeback through your funding source for your PayPal account on July 17th Please allow a few days for this process to complete.Sincerely,Beth Cobbs [redacted] 2Checkout