People referenced in the above are sales representatives, they are not employees of iPayment Inc. They are independent sales offices who broker card processing services through various companies. For servicing needs or concerns please call iPayment Inc directly at ###-###-####, per the...
current notes on the account. The rates are being lowered and a partial refund is being submitted.
Hello, we understand the matter involved with the fees and the credit card processing. Unfortunately the fees are stated on the third page on the application under "Schedule of Fees," including the PCI Annual Fee. The fee was withdrawn $50.00 in May, $33.00 in June, $33.00 in July, and $33.00 in...
August totaling only $149.00 which is a valid fee. Unfortunately no refund can be submitted as this was in the merchant application nor compensation for the time since the merchant service provider did not withdraw the $190.00.
Hello. We acknowledge your concern of the $120.00 being held after the account being closed. The reason the $120.00 chargeback is on hold is if the merchant service provider, iPayment, does credit the $120.00, the cardholder can still dispute the amount after 90 days; thus, an additional liability...
will be placed on the merchant service provider. We can hold the $120.00 for 90 days rather than 180 days as a courtesy should the cardholder dispute the $120.00.
Merchant Agreement discloses annual PCI fee on 3rd page above the guarantors signature. We will not be waiving this fee as it is clearly disclosed. As a courtesy we have closed the account and waived the Early Termination Fee of $350.00.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11310267, and find that this resolution is satisfactory to me.
We really appreciate your understanding and working with us to resolve this.
Regards,
M[redacted]
Hello, we understand your concern with finding another processor. We have contacted the Issuing Bank from the fraudulent cards and advised us to not reverse the transactions; moreover, if iPayment would have reversed the transactions, your business most likely would have taken a hit. At this point...
in time, due to the response from the Issuing Bank of the cardholder being victimized, iPayment, the merchant service provider, must refrain from reversing the fraudulent transactions.
[
Complaint: 11310267
I am rejecting this response because:
Had we known that using your service for Third Party was not prohibited, we would not have opened the account.Furthermore, I explained very clearly to the sales rep (P[redacted] from Flagship Merchants) that we wanted to open an account for this specific reason, to which he stated there were no issues.Additionally, the only "contract" we received is the attached file. Can you please point out where section 21.1.13 is in this document? Please consider releasing at least a portion of the "Reserve Fees".Regards,
M[redacted]
Complaint: 11609815
I am rejecting this response because: Insurance policies are annual contracts. This is not an acceptable answer, the nature of my business is self explanatory. It is the responsibility of the representative to accurately depict my business to the risk management department - this was not done resulting in loss of income to my business. If the individual is not versed in the position he has been given, there should be no consequences for the consumer who is at a loss due to the negligence of said employee. The name of the representative was Brad Warren of flagship merchant services.
Regards,
R[redacted]
Hello, iPayment, the merchant service provider, understands the concern for small businesses. We have waived the collection balance for $32.90 as a courtesy and there is no cancellation fee on the merchant account set up by the Independent Sales Organiation, for Merchant Account Solutions. We have sent a courtesy e-mail to the e-mail on file.
Complaint: 11830094
I am rejecting this response because: The information provided is not true I have all the...
calls recorded and there were no open disputes. We had our customer dispute the charge because you held funds and we advised them that we couldn't do their job until funds were released. Your company do business on faulty unethical practices. The account is closed now as of 2 days ago you told us you would refund the customer which you didn't and the customer filed a dispute of funds then your company sent a email stating that you would be deducting the funds from our business account and we never were released the funds we advised the customer that you guys have their money, however our company is responsible to give a customer money back that we never received.
Regards,
E[redacted]
We have reviewed this request. We will waive the additional fee's from the activity on the account from September 2015 statement as a courtesy. Thank you.
Hello, I have spoken with the Independent Sales Office and they provided some information on the $295.00 charge. There are 2 devices not returned. You may receive refund from the Independent Sales Office (Merchant Account Solutions) if the devices are returned. The Independent Sales Office requests you contact ###-###-#### to return the equipment and discuss a refund of the cancellation fee charged of $295.00. The equipment agreement addendum references under www.intlcardservice.com/equipment/agreement (attached to Revdex.com case) the cancellation fee in addition to other charges that may apply. The $295.00 charge is not assessed by iPayment Inc and not able to be refunded by iPayment Inc.Regarding the $272.70 our Risk department assessed PCI Compliance fees and Tax Identification Invalid fees. These are penalties for not following the agreement/program guide for our services. We will have the $272.70 refunded the week of 5/25/15 to smooth this issue over for you.
Hello,We are sorry you have been in this situation with funds held by our Risk department. We have taken many calls from you regarding this hold and have explained everything in full. To cover your complaint about not responding to any calls or emails this is not true. We have many...
notations showing you have called and been explained all matters regarding the hold. We have explained that the products you are selling are on our prohibited list and we cannot allow for the sales to go through. We suggested that you issue refunds to your customers and accept an alternate form of payment to get your funds. You had stated you would not issue refunds which resulted in us holding the funds. In addition to the transactions being of a prohibited product, your account is now receiving Chargebacks and Retrievals which are customer inquiries/disputes totaling $13,471.70 to date. We will have to hold the funds and can review for a release in July. Having Chargebacks/Retrievals equal more then the amount you process in a month poses a very high risk issue.We hope this answers your questions. Again we did offer you a resolution which was to issue refunds to your customers and accept an alternate form of payment which you declined to do.Please call ###-###-#### for further assistance on a timeline for releasing your funds held.Thank you.
Funds were held due to exceeding approved high ticket. Fee's owed on sale and return. If merchant wishes to close they need to complete a closure request form and submit for processing as described in the Merchant Services Guide.
People referenced in the above are sales representatives, they are not employees of iPayment Inc. They are independent sales offices who broker card processing services through various companies. For servicing needs or concerns please call iPayment Inc directly at ###-###-####, per the...
current notes on the account. The rates are being lowered and a partial refund is being submitted.
We have closed and waived early termination fee per your request.
Hello, we understand the matter involved with the fees and the credit card processing. Unfortunately the fees are stated on the third page on the application under "Schedule of Fees," including the PCI Annual Fee. The fee was withdrawn $50.00 in May, $33.00 in June, $33.00 in July, and $33.00 in...
August totaling only $149.00 which is a valid fee. Unfortunately no refund can be submitted as this was in the merchant application nor compensation for the time since the merchant service provider did not withdraw the $190.00.
Merchant can contact us directly to receive copy of merchant agreement.
Complaint: 11618843
I am rejecting this response because:Because my name is R[redacted] not R[redacted]
Regards,
[redacted]
Hello. We acknowledge your concern of the $120.00 being held after the account being closed. The reason the $120.00 chargeback is on hold is if the merchant service provider, iPayment, does credit the $120.00, the cardholder can still dispute the amount after 90 days; thus, an additional liability...
will be placed on the merchant service provider. We can hold the $120.00 for 90 days rather than 180 days as a courtesy should the cardholder dispute the $120.00.
Merchant Agreement discloses annual PCI fee on 3rd page above the guarantors signature. We will not be waiving this fee as it is clearly disclosed. As a courtesy we have closed the account and waived the Early Termination Fee of $350.00.
We have closed this account and waived the ETF Fee. Thank you for your information.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11310267, and find that this resolution is satisfactory to me.
We really appreciate your understanding and working with us to resolve this.
Regards,
M[redacted]
Hello, we understand your concern with finding another processor. We have contacted the Issuing Bank from the fraudulent cards and advised us to not reverse the transactions; moreover, if iPayment would have reversed the transactions, your business most likely would have taken a hit. At this point...
in time, due to the response from the Issuing Bank of the cardholder being victimized, iPayment, the merchant service provider, must refrain from reversing the fraudulent transactions.
[
Complaint: 11310267
I am rejecting this response because:
Had we known that using your service for Third Party was not prohibited, we would not have opened the account.Furthermore, I explained very clearly to the sales rep (P[redacted] from Flagship Merchants) that we wanted to open an account for this specific reason, to which he stated there were no issues.Additionally, the only "contract" we received is the attached file. Can you please point out where section 21.1.13 is in this document? Please consider releasing at least a portion of the "Reserve Fees".Regards,
M[redacted]
Mr [redacted] Can you please provide your merchant number so we may review this for you. Thank you.
Complaint: 11609815
I am rejecting this response because: Insurance policies are annual contracts. This is not an acceptable answer, the nature of my business is self explanatory. It is the responsibility of the representative to accurately depict my business to the risk management department - this was not done resulting in loss of income to my business. If the individual is not versed in the position he has been given, there should be no consequences for the consumer who is at a loss due to the negligence of said employee. The name of the representative was Brad Warren of flagship merchant services.
Regards,
R[redacted]
Hello, iPayment, the merchant service provider, understands the concern for small businesses. We have waived the collection balance for $32.90 as a courtesy and there is no cancellation fee on the merchant account set up by the Independent Sales Organiation, for Merchant Account Solutions. We have sent a courtesy e-mail to the e-mail on file.
We have reviewed your concerns and will be refunding your Early Termination Fee. Thank you.
Complaint: 11830094
I am rejecting this response because: The information provided is not true I have all the...
calls recorded and there were no open disputes. We had our customer dispute the charge because you held funds and we advised them that we couldn't do their job until funds were released. Your company do business on faulty unethical practices. The account is closed now as of 2 days ago you told us you would refund the customer which you didn't and the customer filed a dispute of funds then your company sent a email stating that you would be deducting the funds from our business account and we never were released the funds we advised the customer that you guys have their money, however our company is responsible to give a customer money back that we never received.
Regards,
E[redacted]
We have reviewed this request. We will waive the additional fee's from the activity on the account from September 2015 statement as a courtesy. Thank you.
Hello, I have spoken with the Independent Sales Office and they provided some information on the $295.00 charge. There are 2 devices not returned. You may receive refund from the Independent Sales Office (Merchant Account Solutions) if the devices are returned. The Independent Sales Office requests you contact ###-###-#### to return the equipment and discuss a refund of the cancellation fee charged of $295.00. The equipment agreement addendum references under www.intlcardservice.com/equipment/agreement (attached to Revdex.com case) the cancellation fee in addition to other charges that may apply. The $295.00 charge is not assessed by iPayment Inc and not able to be refunded by iPayment Inc.Regarding the $272.70 our Risk department assessed PCI Compliance fees and Tax Identification Invalid fees. These are penalties for not following the agreement/program guide for our services. We will have the $272.70 refunded the week of 5/25/15 to smooth this issue over for you.
Hello,We are sorry you have been in this situation with funds held by our Risk department. We have taken many calls from you regarding this hold and have explained everything in full. To cover your complaint about not responding to any calls or emails this is not true. We have many...
notations showing you have called and been explained all matters regarding the hold. We have explained that the products you are selling are on our prohibited list and we cannot allow for the sales to go through. We suggested that you issue refunds to your customers and accept an alternate form of payment to get your funds. You had stated you would not issue refunds which resulted in us holding the funds. In addition to the transactions being of a prohibited product, your account is now receiving Chargebacks and Retrievals which are customer inquiries/disputes totaling $13,471.70 to date. We will have to hold the funds and can review for a release in July. Having Chargebacks/Retrievals equal more then the amount you process in a month poses a very high risk issue.We hope this answers your questions. Again we did offer you a resolution which was to issue refunds to your customers and accept an alternate form of payment which you declined to do.Please call ###-###-#### for further assistance on a timeline for releasing your funds held.Thank you.
Funds were held due to exceeding approved high ticket. Fee's owed on sale and return. If merchant wishes to close they need to complete a closure request form and submit for processing as described in the Merchant Services Guide.