United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe 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 customerThe card associations implemented a liability shift deadline of October 1, for all merchants accepting paymentsAs of the deadline, it is a merchants responsibility to process all cards presented with an EMV chip card through an EMV capable deviceUnited States Bankcard Service has these encrypted devices and they are available for purchaseAlthough as a new customer your current equipment may have been provided at no charge, unfortunately, we do not provide these encrypted devices for freeThe $PCI Non Compliance Fee being assessed to your account has no relation to EMV chip card processingThis fee is being assessed because yo have failed to validate your annual Attestation of Compliance as required in the PCI-DSS requirements set by the PCI Security Standards CouncilNotification is sent to your business every month advising you to complete your Self Assessment Questionnaire and to attest yo your compliance.Section of Your Card Service Terms & Conditions states, “This Card Services Agreement shall remain in full force and effect for an initial term of three (3) yearsThis Card Services Agreement shall be automatically extended for successive one (1) year periods on the same terms and conditions..." The $is an advancement of the fees for the duration of your contract that is due upon canceling your merchant accountThis sum is not a termination or cancellation fee but a financial obligation per Section of your agreementWhile we empathize with your situation and apologize for any lack of understanding pertaining your agreement, unfortunately, your signature on your Merchant Application indicates you received, reviewed, read understood and agreed to these terms
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe 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 customerWhile we empathize with your situation and apologize for any inconvenience or hardship, United States Bankcard Service is not liable for loss associated to chargebacks or fraudulent transactionsThe October 1, liability shift deadline pertaining to EMV chip card acceptance states the liability for a fraudulent transaction falls on the merchant if they fail to process the transaction through a chip card deviceUnited States Bankcard Service has these terminals available for purchase but it is the merchant’s responsibility to obtain or purchase a chip card processing deviceIn addition, as a merchant, the liability for all chargebacks falls upon the merchant Section of the Card Service Terms & conditions, as well as the Card Associations Card Acceptance Guide; specifically outline the process, procedures and liabilities surrounding chargebacks or fraudulent transactionsObtaining an authorization on a card does not guarantee paymentSection states: “Returned Items/Chargebacks If a card holder disputes any transaction, if a transaction is charged back for any reason by the card issuing institution, or if Global Direct or Member has any reason to believe an indebtedness previously purchased is questionable, not genuine, or is otherwise unacceptable, the amount of such indebtedness may be charged back and deducted from any payment due to Merchant or may be charged against any of Merchant's accounts or the Reserve Account (as defined below)Merchant acknowledges and agrees that it is bound by the rules of the card associations and network organizations with respect to any chargebackMerchant further acknowledges that it is solely responsible for providing Global Direct and Member with any available information to re- present a chargeback and that, regardless of any information it provides or does not provide Global Direct and Member in connection with a chargeback, or any other reason, Merchant shall be solely responsible for the liability related to such chargebackA list of some common reasons for chargebacks is contained in the Card Acceptance Guide provided, however, that such list is not exclusive and does not limit the generality of the foregoingIf any such amount is uncollectible through withholding from any payments due hereunder or through charging Merchant's accounts or the Reserve Account, Merchant shall, upon demand by Global Direct, pay Global Direct the full amount of the charge backMerchant understands that obtaining an authorization for any sale shall not constitute a guarantee of payment, and such sales slips can be returned or charged back to Merchant like any other item hereunder.”
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me Regards, [redacted] B***
Dear Sir or Madam,First, I would like to apologize for the troubles this issue has caused youUnfortunately, it seems that you may have the wrong company, as we are United States Bankcard Service and uSwipe, both of which are merchant service providers, the payment processors for businesses to accept credit/debit cards.I'm sorry for the confusion and hope your issue gets resolved.Thank you and have a wonderful day
As Stated by the Business I have received authorization to allow this merchant to exit their contract with United States Bankcard Service with no penalty or fees due to the verbal agreement claimed by the CustomerAs a service organization, it is important to us to ensure that our current and former customers have a pleasant service experience with our organization and it's unfortunate that MrL [redacted] did not properly indicate the special terms of this merchant's agreement in our systems; had he done so, we could have saved the Customer from the frustrations that have arose since To resolve this matter, I have updated the merchant's records to indicate there are no early termination fees and have submitted a request to have the account closedAlso, the Customer is correct; the merchant already owned the equipment before an account was opened with us We sincerely hope that if French Connection Antiques needs credit card processing services in the future, she will consider reopening her account with United States Bankcard ServiceIn the meantime, we wish the Customer the best in her business ventures Thank you, [redacted] **
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take great pride in
conducting business with the highest level of service and supportWe 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 On March 14, 2012, B*** *** MD entered into an
agreement with Global Payments Direct and United States Bankcard Service for
merchant services provided to the business O*** Neurology
CenterThe merchant
agreed to a 3-year term at that time, per the terms and conditions of the
merchant accountMsO*** agreed to the Card Services Terms and Conditions
on March 14, 2012, per her signature on Page of the Merchant Application
This signature states that “A copy of the Card Services Terms and Conditions,
revision 01/12-USBS, has been provided to youPlease sign below to signify
that you have received a copy of the Card Services Terms and Conditions and
that you agree to all terms and conditions contained therein.” This signatures demonstrates to United States Bankcard Service that you did infact receive the Terms and Conditions at the time of opening the merchant account; if you did not receive the Terms and Conditions, they should have been requested at such time before signing signifying that you had received the,If you would
like an additional copy of the signed Merchant Application, please let us know.Please refer to the Card Services Terms and Conditions
Section Term and Termination for details regarding the contract length:This
Card Service Agreement shall remain in full force and effect for an initial
term of three (3) yearsThe Card Services Agreement shall be automatically
extended for successive one (1) year periods on the same terms and conditions
expressed herein, or as may be amended, unless Merchant gives written notice of
termination as to the entire Card Services Agreement or a portion thereof of at
least days prior to the expiration of the initial term or any extension or renewals
thereof…Please refer to the Card Services Terms and Conditions
Section Term and Termination for details regarding the accelerated fee(s) of
$200.00, where it states: In the event Merchant terminates
this Card Services Agreement…the following amount(s) shall be immediately due
and payable to Global Direct: the lesser of (a) the maximum amount permitted by
state law, and (b) all monthly fees assessed to the Merchant under this Card
Services Agreement and due to Global Direct for the reminder of the then
existing term of the Card Services Agreement, including all minimum monthly fee
commitmentsMerchant hereby authorizes Global Direct to accelerate the payment
o such applicable amount(s) and to deduct such total amount(s) from Merchant’s
account…”
At this time, the Merchant Account is closed (as of November
23, 2015)Pertaining to the request to refund the annual fee, the annual fee is
applied on an annual basis and is not prorated based on the open and/or cancellation
date of a merchant account
Complaint:
I am rejecting this response because: I was never mailed or provided with a letter about doing any kind of evaluation. The contract I signed with MrLdid say that I was provided a copy of this information, but It was on good faith that it would be mailed or given to me which explained the terms and I never did receive that. MrLverbal contract to get me to sign up was the month then month to month after that
Regards,
*** ***
As previously stated in our initial response, the merchant signed the Merchant Application on page stating that a copy of the card services terms and conditions had been read and agreed toBy providing their signature on that line, they were explicitly stating:“A copy of the Card Services Terms and Conditions, revision 01/12-USBS, has been provided to youPlease sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” If the signer did not receive a copy of the terms and conditions at the time of completing the merchant application, the merchant should not have signed the application stating that they didBy agreeing to the terms and conditions, the merchant (i) agreed that they would be placed in a 3-year term to be automatically renewed for successive 1-year periods until notice was provided to terminate the agreement; and (ii) that if the merchant cancelled their account prior to the term, early termination fees would applyBoth of these conditions resulted in the deduction of $from the merchant’s account. At this point, we cannot offer any reimbursement as any deductions (acceleration of fees) were within the contract terms of our agreement with the merchant.Thank you,B*** ***Portfolio Management
Complaint: 11001808
I am rejecting this response because:i am not satisfied with the response that was received by message from us bankcard service.this was received at my office by email on Fri feb 5th. my office is closed on friday.I was not able to respond to the message received from us bankcard service.MY CONCERN is: they are not acknowledging that they did not send the terms and conditions regarding my contract with them.I completed a merchant application to ask for credit card service from them for my business Ottley Neurology Center.the merchant application I completed was faxed to me with places marked by a large arrowhead.the application was completed and signed at the appropriate markings.I did not receive 7 pages of terms and conditions until 3 AND A HALF YEARS LATER.I had to ask for this to be sent to me on 11-6-2015.I received it on 11-11-2015.my contract with us bankcard service was signed on 3-14-2012 for a 3 year contract. THIS IS THE PROBLEM: us bankcard service does not send a copy of their terms and conditions. when you sign the merchant application for credit card service, they have a small paragraph that reads: Acceptance of Merchant Application & terms and conditions.the terms and conditions are not found here, but the small print states that a copy of the terms and conditions have been received & that you agree to all items and conditions contained therein.yes, I signed below this paragraph at the arrowhead.the sales agent on the phone rushed through the application & DID NOT DISCLOSE that the contract had to be cancelled by written notice at least 60 days prior to the expiration of the initial term. WITHOUT THE TERMS AND CONDITIONS,THIS INFORMATION CANNOT BE KNOWN BY THE MERCHANT-ottley neurology center.I BELIEVE THIS COMPANY IS BEHAVING IN A DISREPUTALBE MANNER BY NOT DISCLOSING THEIR TERMS AND CONDITIONS TO THE MERCHANT.this is misrepresentation of their business & the merchant contract. this company charges higher than the rate I recieve from the new credit company. I AM no longer requesting THE 4 months of service charges returned to me. my goal is to be certain that other businesses that research the Revdex.com for this company know this is not an honest company to do business with.they are not upfront about disclosure of terms and conditions in a legal manner.they deceive you by getting your signature on a merchant application without you being given the TERMS AND CONDITIONS. ONCE YOU HAVE SIGNED THIS AGREEMENT,YOU HAVE NO RECOURSE WHEN YOU WISH TO CANCEL.
Regards,
[redacted]
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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 card associations implemented a liability shift deadline of October 1, 2015 for all merchants accepting payments. As of the deadline, it is a merchants responsibility to process all cards presented with an EMV chip card through an EMV capable device. United States Bankcard Service has these encrypted devices and they are available for purchase. Although as a new customer your current equipment may have been provided at no charge, unfortunately, we do not provide these encrypted devices for free. The $49.95 PCI Non Compliance Fee being assessed to your account has no relation to EMV chip card processing. This fee is being assessed because yo have failed to validate your annual Attestation of Compliance as required in the PCI-DSS requirements set by the PCI Security Standards Council. Notification is sent to your business every month advising you to complete your Self Assessment Questionnaire and to attest yo your compliance.Section 13 of Your Card Service Terms & Conditions states, “This Card Services Agreement shall remain in full force and effect for an initial term of three (3) years. This Card Services Agreement shall be automatically extended for successive one (1) year periods on the same terms and conditions..." The $390.00 is an advancement of the fees for the duration of your contract that is due upon canceling your merchant account. This sum is not a termination or cancellation fee but a financial obligation per Section 13 of your agreement. While we empathize with your situation and apologize for any lack of understanding pertaining your agreement, unfortunately, your signature on your Merchant Application indicates you received, reviewed, read understood and agreed to these terms.
Dear Sir or Madam,First, I would like to apologize for the troubles this issue has caused you. Unfortunately, it seems that you may have the wrong company, as we are United States Bankcard Service and uSwipe, both of which are merchant service providers, the payment processors for businesses to...
accept credit/debit cards.I'm sorry for the confusion and hope your issue gets resolved.Thank you and have a wonderful day.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. United States Bankcard Service knows it can be difficult for merchants to understand and complete the requirements necessary to meet PCI-DSS compliance. Rather than have our merchants outsourced to a third party vendor, United States Bankcard Service supplies the necessary tools and technology to assist our merchants with meeting the requirements set by PCI Security Standards Council. The fees associated to accessing this service are billed annually. Your request to receive a prorated refund for this fee is not valid as it is not associated nor does it pertain to any specific calendar year. Additionally, this fee has not been assessed to your account and would have been billed on your June 1, 2016 statement. However, your request to close the merchant account was received on May 9, 2016 and has since been closed as of May 10, 2016. Therefore, this fee will not be assessed to your account. This complaint was premature and is invalid. We empathize with your situation and apologize for any misunderstanding.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. While we empathize with your situation and apologize for any inconvenience or hardship, United States Bankcard Service is not liable for loss associated to chargebacks or fraudulent transactions. The October 1, 2015 liability shift deadline pertaining to EMV chip card acceptance states the liability for a fraudulent transaction falls on the merchant if they fail to process the transaction through a chip card device. United States Bankcard Service has these terminals available for purchase but it is the merchant’s responsibility to obtain or purchase a chip card processing device. In addition, as a merchant, the liability for all chargebacks falls upon the merchant. Section 14 of the Card Service Terms & conditions, as well as the Card Associations Card Acceptance Guide; specifically outline the process, procedures and liabilities surrounding chargebacks or fraudulent transactions. Obtaining an authorization on a card does not guarantee payment. Section 14 states: “14. Returned Items/Chargebacks If a card holder disputes any transaction, if a transaction is charged back for any reason by the card issuing institution, or if Global Direct or Member has any reason to believe an indebtedness previously purchased is questionable, not genuine, or is otherwise unacceptable, the amount of such indebtedness may be charged back and deducted from any payment due to Merchant or may be charged against any of Merchant's accounts or the Reserve Account (as defined below). Merchant acknowledges and agrees that it is bound by the rules of the card associations and network organizations with respect to any chargeback. Merchant further acknowledges that it is solely responsible for providing Global Direct and Member with any available information to re- present a chargeback and that, regardless of any information it provides or does not provide Global Direct and Member in connection with a chargeback, or any other reason, Merchant shall be solely responsible for the liability related to such chargeback. A list of some common reasons for chargebacks is contained in the Card Acceptance Guide provided, however, that such list is not exclusive and does not limit the generality of the foregoing. If any such amount is uncollectible through withholding from any payments due hereunder or through charging Merchant's accounts or the Reserve Account, Merchant shall, upon demand by Global Direct, pay Global Direct the full amount of the charge back. Merchant understands that obtaining an authorization for any sale shall not constitute a guarantee of payment, and such sales slips can be returned or charged back to Merchant like any other item hereunder.”
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take 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.
Please review Section 18 (Amendments) of the Card Services
Terms and Conditions, which includes: “…any and all fees, charges, and/or discounts
(including without limitation non-qualified surcharge rates) may be changed
immediately”. Regardless if previous noticed had been provided, the change in
rate or addition of an annual fee is within the terms of our agreement.
However, after reviewing the history of this account, we
will offer a courtesy credit of $120 to offset the annual fee charge that this
merchant incurred. A credit will be applied to the account on file within 7
business days.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. In January 2014, your company entered into an agreement with Global Payments Direct and United States Bankcard Service for merchant services. At that time, Ms. B[redacted] agreed to the Card Services Terms and Condition per her signature on Page 3 of the Merchant Application. This signature states that “A copy of the Card Services Terms and Conditions has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” Per our conversation with Ms. B[redacted] in April 2015, she reiterated that she has a copy of these terms.Please refer to the Card Services Terms and Conditions Section 13 Term and Termination for details regarding the accelerated fee(s) (which were $839 at the time of your inquiry in April), where it states:In the event Merchant terminates this Card Services Agreement…the following amount(s) shall be immediately due and payable to Global Direct: the lesser of (a) the maximum amount permitted by state law, and (b) all monthly fees assessed to the Merchant under this Card Services Agreement and due to Global Direct for the reminder of the then existing term of the Card Services Agreement, including all minimum monthly fee commitments. Merchant hereby authorizes Global Direct to accelerate the payment of such applicable amount(s) and to deduct such total amount(s) from Merchant’s account…”Regarding the changes to your fee structure, please refer to the Card Services Terms and Conditions Section 18 Amendments, where it states:This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either (i) a notice describing amendments to this Card Services Agreement or new services to be provided or fees to be charged to Merchant or (ii) an entirely new agreement, which notice, amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice…” We would like to resolve this matter with you. However, please note that the addition of any fees or surcharges to your account are in compliance with our Card Services Agreement (as described above) and notice of the additional fee was included in the messages section of your monthly merchant statements. As we do not have access to the documents that you claim were provided by Mr. L[redacted], we cannot verify if they state anything contrary to your signed Card Service Agreement. If you are able to provide documentation from Mr. L[redacted] that states you do not have an annual commitment with our organization, please provide it as soon as possible for review so we can resolve this matter.
As Stated by the Business. I have received authorization to allow this merchant to exit their contract with United States Bankcard Service with no penalty or fees due to the verbal agreement claimed by the Customer. As a service organization, it is important to us to ensure that our current and former customers have a pleasant service experience with our organization and it's unfortunate that Mr. L[redacted] did not properly indicate the special terms of this merchant's agreement in our systems; had he done so, we could have saved the Customer from the frustrations that have arose since. To resolve this matter, I have updated the merchant's records to indicate there are no early termination fees and have submitted a request to have the account closed. Also, the Customer is correct; the merchant already owned the equipment before an account was opened with us. We sincerely hope that if French Connection Antiques needs credit card processing services in the future, she will consider reopening her account with United States Bankcard Service. In the meantime, we wish the Customer the best in her business ventures. Thank you, [redacted]
Complaint: 11001808
I am rejecting this response because:I received your response jan.20th regarding my complaint against US bankcard service.my id#11001808.it is very important to note that when I signed a form with us bankcard service,it was not a TERMS AND CONDITION FORM.I signed a MERCHANT APPLICATION with them.what is being omitted on their part is this:they never sent me a copy of any terms and condition relating to my 3 year contract with them.the representative asked me to complete the application and fax it back for approval.it highlighted all areas that I was required to sign with a bold black arrowhead.the small print for terms and conditions had a line stating that I received the terms and conditions and agreed to them.I regret to say that I did not read any terms and conditions as a copy was never given to me by the representative helping me to complete the application.the terms and conditions were only sent to me on Nov.11,2015 after I asked that I receive a copy.I attest that at no time did the representative mention the terms and conditions to me as I signed my signature to the MERCHANT APPLICATION and faxed it back to him as he requested.the other significant concern that I have with US BANKCARD SERVICE IS THIS:they removed money from ottley neurology center checking account after I rescinded authorization in writing to prevent money to be removed from my checking account.this letter was faxed to them on 11-16-2015.on nov.25,2015 they withdrew $200 from my business checking account.I had fulfilled my 3 year contract with them which started 3-14-2012.I asked to cancel my contract with them on 11-6-2015 and was told by David,the customer service rep. that I could not cancel my contract until march 2016 or I would still have to pay monthly fees and the yearly service fee regardless.I was also treated unprofessionally by david, who insisted on calling me "miss" when I gave him my name as dr. ottley.he would not refer to me by dr. ottley.also, he refused to allow me to speak to any other person at the business.dr.ottleyI would like a refund of $80 that I was charged when no service was given by us bankcard service.I would like a check mailed to my business address please. also,I feel that us bankcard service should be required legally to have each business receive a copy of their terms and conditions, read the copy, and sign the actual terms and condition paperwork.it is very deceiving for them to hide this agreement in with the merchand application & imply that the merchant has read this when they have not!!!
Regards,
Ba[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me.
Regards,
[redacted]
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe 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 customerThe card associations implemented a liability shift deadline of October 1, for all merchants accepting paymentsAs of the deadline, it is a merchants responsibility to process all cards presented with an EMV chip card through an EMV capable deviceUnited States Bankcard Service has these encrypted devices and they are available for purchaseAlthough as a new customer your current equipment may have been provided at no charge, unfortunately, we do not provide these encrypted devices for freeThe $PCI Non Compliance Fee being assessed to your account has no relation to EMV chip card processingThis fee is being assessed because yo have failed to validate your annual Attestation of Compliance as required in the PCI-DSS requirements set by the PCI Security Standards CouncilNotification is sent to your business every month advising you to complete your Self Assessment Questionnaire and to attest yo your compliance.Section of Your Card Service Terms & Conditions states, “This Card Services Agreement shall remain in full force and effect for an initial term of three (3) yearsThis Card Services Agreement shall be automatically extended for successive one (1) year periods on the same terms and conditions..." The $is an advancement of the fees for the duration of your contract that is due upon canceling your merchant accountThis sum is not a termination or cancellation fee but a financial obligation per Section of your agreementWhile we empathize with your situation and apologize for any lack of understanding pertaining your agreement, unfortunately, your signature on your Merchant Application indicates you received, reviewed, read understood and agreed to these terms
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe 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 customerWhile we empathize with your situation and apologize for any inconvenience or hardship, United States Bankcard Service is not liable for loss associated to chargebacks or fraudulent transactionsThe October 1, liability shift deadline pertaining to EMV chip card acceptance states the liability for a fraudulent transaction falls on the merchant if they fail to process the transaction through a chip card deviceUnited States Bankcard Service has these terminals available for purchase but it is the merchant’s responsibility to obtain or purchase a chip card processing deviceIn addition, as a merchant, the liability for all chargebacks falls upon the merchant Section of the Card Service Terms & conditions, as well as the Card Associations Card Acceptance Guide; specifically outline the process, procedures and liabilities surrounding chargebacks or fraudulent transactionsObtaining an authorization on a card does not guarantee paymentSection states: “Returned Items/Chargebacks If a card holder disputes any transaction, if a transaction is charged back for any reason by the card issuing institution, or if Global Direct or Member has any reason to believe an indebtedness previously purchased is questionable, not genuine, or is otherwise unacceptable, the amount of such indebtedness may be charged back and deducted from any payment due to Merchant or may be charged against any of Merchant's accounts or the Reserve Account (as defined below)Merchant acknowledges and agrees that it is bound by the rules of the card associations and network organizations with respect to any chargebackMerchant further acknowledges that it is solely responsible for providing Global Direct and Member with any available information to re- present a chargeback and that, regardless of any information it provides or does not provide Global Direct and Member in connection with a chargeback, or any other reason, Merchant shall be solely responsible for the liability related to such chargebackA list of some common reasons for chargebacks is contained in the Card Acceptance Guide provided, however, that such list is not exclusive and does not limit the generality of the foregoingIf any such amount is uncollectible through withholding from any payments due hereunder or through charging Merchant's accounts or the Reserve Account, Merchant shall, upon demand by Global Direct, pay Global Direct the full amount of the charge backMerchant understands that obtaining an authorization for any sale shall not constitute a guarantee of payment, and such sales slips can be returned or charged back to Merchant like any other item hereunder.”
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me Regards, [redacted] B***
Dear Sir or Madam,First, I would like to apologize for the troubles this issue has caused youUnfortunately, it seems that you may have the wrong company, as we are United States Bankcard Service and uSwipe, both of which are merchant service providers, the payment processors for businesses to accept credit/debit cards.I'm sorry for the confusion and hope your issue gets resolved.Thank you and have a wonderful day
As Stated by the Business I have received authorization to allow this merchant to exit their contract with United States Bankcard Service with no penalty or fees due to the verbal agreement claimed by the CustomerAs a service organization, it is important to us to ensure that our current and former customers have a pleasant service experience with our organization and it's unfortunate that MrL [redacted] did not properly indicate the special terms of this merchant's agreement in our systems; had he done so, we could have saved the Customer from the frustrations that have arose since To resolve this matter, I have updated the merchant's records to indicate there are no early termination fees and have submitted a request to have the account closedAlso, the Customer is correct; the merchant already owned the equipment before an account was opened with us We sincerely hope that if French Connection Antiques needs credit card processing services in the future, she will consider reopening her account with United States Bankcard ServiceIn the meantime, we wish the Customer the best in her business ventures Thank you, [redacted] **
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take great pride in
conducting business with the highest level of service and supportWe 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 On March 14, 2012, B*** *** MD entered into an
agreement with Global Payments Direct and United States Bankcard Service for
merchant services provided to the business O*** Neurology
CenterThe merchant
agreed to a 3-year term at that time, per the terms and conditions of the
merchant accountMsO*** agreed to the Card Services Terms and Conditions
on March 14, 2012, per her signature on Page of the Merchant Application
This signature states that “A copy of the Card Services Terms and Conditions,
revision 01/12-USBS, has been provided to youPlease sign below to signify
that you have received a copy of the Card Services Terms and Conditions and
that you agree to all terms and conditions contained therein.” This signatures demonstrates to United States Bankcard Service that you did infact receive the Terms and Conditions at the time of opening the merchant account; if you did not receive the Terms and Conditions, they should have been requested at such time before signing signifying that you had received the,If you would
like an additional copy of the signed Merchant Application, please let us know.Please refer to the Card Services Terms and Conditions
Section Term and Termination for details regarding the contract length:This
Card Service Agreement shall remain in full force and effect for an initial
term of three (3) yearsThe Card Services Agreement shall be automatically
extended for successive one (1) year periods on the same terms and conditions
expressed herein, or as may be amended, unless Merchant gives written notice of
termination as to the entire Card Services Agreement or a portion thereof of at
least days prior to the expiration of the initial term or any extension or renewals
thereof…Please refer to the Card Services Terms and Conditions
Section Term and Termination for details regarding the accelerated fee(s) of
$200.00, where it states: In the event Merchant terminates
this Card Services Agreement…the following amount(s) shall be immediately due
and payable to Global Direct: the lesser of (a) the maximum amount permitted by
state law, and (b) all monthly fees assessed to the Merchant under this Card
Services Agreement and due to Global Direct for the reminder of the then
existing term of the Card Services Agreement, including all minimum monthly fee
commitmentsMerchant hereby authorizes Global Direct to accelerate the payment
o such applicable amount(s) and to deduct such total amount(s) from Merchant’s
account…”
At this time, the Merchant Account is closed (as of November
23, 2015)Pertaining to the request to refund the annual fee, the annual fee is
applied on an annual basis and is not prorated based on the open and/or cancellation
date of a merchant account
Complaint:
I am rejecting this response because: I was never mailed or provided with a letter about doing any kind of evaluation. The contract I signed with MrLdid say that I was provided a copy of this information, but It was on good faith that it would be mailed or given to me which explained the terms and I never did receive that. MrLverbal contract to get me to sign up was the month then month to month after that
Regards,
*** ***
As previously stated in our initial response, the merchant signed the Merchant Application on page stating that a copy of the card services terms and conditions had been read and agreed toBy providing their signature on that line, they were explicitly stating:“A copy of the Card Services Terms and Conditions, revision 01/12-USBS, has been provided to youPlease sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” If the signer did not receive a copy of the terms and conditions at the time of completing the merchant application, the merchant should not have signed the application stating that they didBy agreeing to the terms and conditions, the merchant (i) agreed that they would be placed in a 3-year term to be automatically renewed for successive 1-year periods until notice was provided to terminate the agreement; and (ii) that if the merchant cancelled their account prior to the term, early termination fees would applyBoth of these conditions resulted in the deduction of $from the merchant’s account. At this point, we cannot offer any reimbursement as any deductions (acceleration of fees) were within the contract terms of our agreement with the merchant.Thank you,B*** ***Portfolio Management
Complaint: 11001808
I am rejecting this response because:i am not satisfied with the response that was received by message from us bankcard service.this was received at my office by email on Fri feb 5th. my office is closed on friday.I was not able to respond to the message received from us bankcard service.MY CONCERN is: they are not acknowledging that they did not send the terms and conditions regarding my contract with them.I completed a merchant application to ask for credit card service from them for my business Ottley Neurology Center.the merchant application I completed was faxed to me with places marked by a large arrowhead.the application was completed and signed at the appropriate markings.I did not receive 7 pages of terms and conditions until 3 AND A HALF YEARS LATER.I had to ask for this to be sent to me on 11-6-2015.I received it on 11-11-2015.my contract with us bankcard service was signed on 3-14-2012 for a 3 year contract. THIS IS THE PROBLEM: us bankcard service does not send a copy of their terms and conditions. when you sign the merchant application for credit card service, they have a small paragraph that reads: Acceptance of Merchant Application & terms and conditions.the terms and conditions are not found here, but the small print states that a copy of the terms and conditions have been received & that you agree to all items and conditions contained therein.yes, I signed below this paragraph at the arrowhead.the sales agent on the phone rushed through the application & DID NOT DISCLOSE that the contract had to be cancelled by written notice at least 60 days prior to the expiration of the initial term. WITHOUT THE TERMS AND CONDITIONS,THIS INFORMATION CANNOT BE KNOWN BY THE MERCHANT-ottley neurology center.I BELIEVE THIS COMPANY IS BEHAVING IN A DISREPUTALBE MANNER BY NOT DISCLOSING THEIR TERMS AND CONDITIONS TO THE MERCHANT.this is misrepresentation of their business & the merchant contract. this company charges higher than the rate I recieve from the new credit company. I AM no longer requesting THE 4 months of service charges returned to me. my goal is to be certain that other businesses that research the Revdex.com for this company know this is not an honest company to do business with.they are not upfront about disclosure of terms and conditions in a legal manner.they deceive you by getting your signature on a merchant application without you being given the TERMS AND CONDITIONS. ONCE YOU HAVE SIGNED THIS AGREEMENT,YOU HAVE NO RECOURSE WHEN YOU WISH TO CANCEL.
Regards,
[redacted]
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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 card associations implemented a liability shift deadline of October 1, 2015 for all merchants accepting payments. As of the deadline, it is a merchants responsibility to process all cards presented with an EMV chip card through an EMV capable device. United States Bankcard Service has these encrypted devices and they are available for purchase. Although as a new customer your current equipment may have been provided at no charge, unfortunately, we do not provide these encrypted devices for free. The $49.95 PCI Non Compliance Fee being assessed to your account has no relation to EMV chip card processing. This fee is being assessed because yo have failed to validate your annual Attestation of Compliance as required in the PCI-DSS requirements set by the PCI Security Standards Council. Notification is sent to your business every month advising you to complete your Self Assessment Questionnaire and to attest yo your compliance.Section 13 of Your Card Service Terms & Conditions states, “This Card Services Agreement shall remain in full force and effect for an initial term of three (3) years. This Card Services Agreement shall be automatically extended for successive one (1) year periods on the same terms and conditions..." The $390.00 is an advancement of the fees for the duration of your contract that is due upon canceling your merchant account. This sum is not a termination or cancellation fee but a financial obligation per Section 13 of your agreement. While we empathize with your situation and apologize for any lack of understanding pertaining your agreement, unfortunately, your signature on your Merchant Application indicates you received, reviewed, read understood and agreed to these terms.
Dear Sir or Madam,First, I would like to apologize for the troubles this issue has caused you. Unfortunately, it seems that you may have the wrong company, as we are United States Bankcard Service and uSwipe, both of which are merchant service providers, the payment processors for businesses to...
accept credit/debit cards.I'm sorry for the confusion and hope your issue gets resolved.Thank you and have a wonderful day.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. United States Bankcard Service knows it can be difficult for merchants to understand and complete the requirements necessary to meet PCI-DSS compliance. Rather than have our merchants outsourced to a third party vendor, United States Bankcard Service supplies the necessary tools and technology to assist our merchants with meeting the requirements set by PCI Security Standards Council. The fees associated to accessing this service are billed annually. Your request to receive a prorated refund for this fee is not valid as it is not associated nor does it pertain to any specific calendar year. Additionally, this fee has not been assessed to your account and would have been billed on your June 1, 2016 statement. However, your request to close the merchant account was received on May 9, 2016 and has since been closed as of May 10, 2016. Therefore, this fee will not be assessed to your account. This complaint was premature and is invalid. We empathize with your situation and apologize for any misunderstanding.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. While we empathize with your situation and apologize for any inconvenience or hardship, United States Bankcard Service is not liable for loss associated to chargebacks or fraudulent transactions. The October 1, 2015 liability shift deadline pertaining to EMV chip card acceptance states the liability for a fraudulent transaction falls on the merchant if they fail to process the transaction through a chip card device. United States Bankcard Service has these terminals available for purchase but it is the merchant’s responsibility to obtain or purchase a chip card processing device. In addition, as a merchant, the liability for all chargebacks falls upon the merchant. Section 14 of the Card Service Terms & conditions, as well as the Card Associations Card Acceptance Guide; specifically outline the process, procedures and liabilities surrounding chargebacks or fraudulent transactions. Obtaining an authorization on a card does not guarantee payment. Section 14 states: “14. Returned Items/Chargebacks If a card holder disputes any transaction, if a transaction is charged back for any reason by the card issuing institution, or if Global Direct or Member has any reason to believe an indebtedness previously purchased is questionable, not genuine, or is otherwise unacceptable, the amount of such indebtedness may be charged back and deducted from any payment due to Merchant or may be charged against any of Merchant's accounts or the Reserve Account (as defined below). Merchant acknowledges and agrees that it is bound by the rules of the card associations and network organizations with respect to any chargeback. Merchant further acknowledges that it is solely responsible for providing Global Direct and Member with any available information to re- present a chargeback and that, regardless of any information it provides or does not provide Global Direct and Member in connection with a chargeback, or any other reason, Merchant shall be solely responsible for the liability related to such chargeback. A list of some common reasons for chargebacks is contained in the Card Acceptance Guide provided, however, that such list is not exclusive and does not limit the generality of the foregoing. If any such amount is uncollectible through withholding from any payments due hereunder or through charging Merchant's accounts or the Reserve Account, Merchant shall, upon demand by Global Direct, pay Global Direct the full amount of the charge back. Merchant understands that obtaining an authorization for any sale shall not constitute a guarantee of payment, and such sales slips can be returned or charged back to Merchant like any other item hereunder.”
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take 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.
Please review Section 18 (Amendments) of the Card Services
Terms and Conditions, which includes: “…any and all fees, charges, and/or discounts
(including without limitation non-qualified surcharge rates) may be changed
immediately”. Regardless if previous noticed had been provided, the change in
rate or addition of an annual fee is within the terms of our agreement.
However, after reviewing the history of this account, we
will offer a courtesy credit of $120 to offset the annual fee charge that this
merchant incurred. A credit will be applied to the account on file within 7
business days.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. In January 2014, your company entered into an agreement with Global Payments Direct and United States Bankcard Service for merchant services. At that time, Ms. B[redacted] agreed to the Card Services Terms and Condition per her signature on Page 3 of the Merchant Application. This signature states that “A copy of the Card Services Terms and Conditions has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” Per our conversation with Ms. B[redacted] in April 2015, she reiterated that she has a copy of these terms.Please refer to the Card Services Terms and Conditions Section 13 Term and Termination for details regarding the accelerated fee(s) (which were $839 at the time of your inquiry in April), where it states:In the event Merchant terminates this Card Services Agreement…the following amount(s) shall be immediately due and payable to Global Direct: the lesser of (a) the maximum amount permitted by state law, and (b) all monthly fees assessed to the Merchant under this Card Services Agreement and due to Global Direct for the reminder of the then existing term of the Card Services Agreement, including all minimum monthly fee commitments. Merchant hereby authorizes Global Direct to accelerate the payment of such applicable amount(s) and to deduct such total amount(s) from Merchant’s account…”Regarding the changes to your fee structure, please refer to the Card Services Terms and Conditions Section 18 Amendments, where it states:This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either (i) a notice describing amendments to this Card Services Agreement or new services to be provided or fees to be charged to Merchant or (ii) an entirely new agreement, which notice, amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice…” We would like to resolve this matter with you. However, please note that the addition of any fees or surcharges to your account are in compliance with our Card Services Agreement (as described above) and notice of the additional fee was included in the messages section of your monthly merchant statements. As we do not have access to the documents that you claim were provided by Mr. L[redacted], we cannot verify if they state anything contrary to your signed Card Service Agreement. If you are able to provide documentation from Mr. L[redacted] that states you do not have an annual commitment with our organization, please provide it as soon as possible for review so we can resolve this matter.
As Stated by the Business. I have received authorization to allow this merchant to exit their contract with United States Bankcard Service with no penalty or fees due to the verbal agreement claimed by the Customer. As a service organization, it is important to us to ensure that our current and former customers have a pleasant service experience with our organization and it's unfortunate that Mr. L[redacted] did not properly indicate the special terms of this merchant's agreement in our systems; had he done so, we could have saved the Customer from the frustrations that have arose since. To resolve this matter, I have updated the merchant's records to indicate there are no early termination fees and have submitted a request to have the account closed. Also, the Customer is correct; the merchant already owned the equipment before an account was opened with us. We sincerely hope that if French Connection Antiques needs credit card processing services in the future, she will consider reopening her account with United States Bankcard Service. In the meantime, we wish the Customer the best in her business ventures. Thank you, [redacted]
Complaint: 11001808
I am rejecting this response because:I received your response jan.20th regarding my complaint against US bankcard service.my id#11001808.it is very important to note that when I signed a form with us bankcard service,it was not a TERMS AND CONDITION FORM.I signed a MERCHANT APPLICATION with them.what is being omitted on their part is this:they never sent me a copy of any terms and condition relating to my 3 year contract with them.the representative asked me to complete the application and fax it back for approval.it highlighted all areas that I was required to sign with a bold black arrowhead.the small print for terms and conditions had a line stating that I received the terms and conditions and agreed to them.I regret to say that I did not read any terms and conditions as a copy was never given to me by the representative helping me to complete the application.the terms and conditions were only sent to me on Nov.11,2015 after I asked that I receive a copy.I attest that at no time did the representative mention the terms and conditions to me as I signed my signature to the MERCHANT APPLICATION and faxed it back to him as he requested.the other significant concern that I have with US BANKCARD SERVICE IS THIS:they removed money from ottley neurology center checking account after I rescinded authorization in writing to prevent money to be removed from my checking account.this letter was faxed to them on 11-16-2015.on nov.25,2015 they withdrew $200 from my business checking account.I had fulfilled my 3 year contract with them which started 3-14-2012.I asked to cancel my contract with them on 11-6-2015 and was told by David,the customer service rep. that I could not cancel my contract until march 2016 or I would still have to pay monthly fees and the yearly service fee regardless.I was also treated unprofessionally by david, who insisted on calling me "miss" when I gave him my name as dr. ottley.he would not refer to me by dr. ottley.also, he refused to allow me to speak to any other person at the business.dr.ottleyI would like a refund of $80 that I was charged when no service was given by us bankcard service.I would like a check mailed to my business address please. also,I feel that us bankcard service should be required legally to have each business receive a copy of their terms and conditions, read the copy, and sign the actual terms and condition paperwork.it is very deceiving for them to hide this agreement in with the merchand application & imply that the merchant has read this when they have not!!!
Regards,
Ba[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me.
Regards,
[redacted]