Complaint: 11754068
I am rejecting this response becauseI have sent everything to...
the company that they requested to close my account. I attached a check when returning my equipment. The equipment was returned, and signed for, but the check attached mysterisly 'lost'. I put a 'stop payment' on the check, costing another $35.00, then sent another check, to the same address. Now the check has been returned, with a note attached 'undeliverable address'. This is ridiculous, what a person is put through to close out a credit card processor. I'm sure, most people just give up, and pay whatever penalty the processor deems o.k. This company tried to charge me $1500.00, which would put me out of business. I am a very small business, and cannot afford to keep paying out for a service I no longer want/need. I have been charged $74.00, September, $41.00, August, both months monies taken out of my checking account while not using their services, July, not only fees for processing, but a 'compliance fee of $129.00. (I previously had received a letter stating that the compliance fee would be charges for in August, which is another reason I decided to change processors. No other company charges that amount. All others charge the customer more that what the compliance fee is, which is $100.00. This company makes an additional $29.00 p/customer..that is NOT acceptable). Each representative I spoke with told me something different. I sent a copy of a contract I signed agreeing I could cancel my account with no penalty, as I had already fulfilled my original agreement. Amazingly, I had to forward my copy,they did not have one??? Each 'person of authority' I speak with seems to keep leaving the company after we have spoken, so when I call back, the person is 'no longer available'... I will send a check one more time with the agreed amount to close out my account. I feel I should be reimbursed for these charges from the time I went with a different processor, since I do have a contract stating I could cancel with no penalty. When I have been refunded, and will change my complaint
Regards,
[redacted]
Hello,We are sorry to hear of the issues you experienced with our services. I have attached a copy of the merchant agreement which contains information about the fees agreed to be paid. To confirm, the equipment was sent on loan with no charge. If, after closing your account, equipment is not...
returned you are charged for the cost of the equipment. Regarding your request for a refund of difference in fees and fees not on contract. Would you specify what fees you are referring to that were charged and not apart of your agreement? All fees charged are authorized based on your signature on the agreement which lists your schedule of fees and any addition applicable fees.Attached is your agreement for services. We are unable to refund fees which were authorized by your signature for our services.
Hello,We are sorry to hear of the issues you experienced. Your merchant account has been closed on 5/15/15 and the cancellation fee has been waived.Good luck to you in your future endeavors.
Complaint: 10614243
I am rejecting this response because: This offer was not advertised on TV or the Internet; however, I did receive a phone call from a representative of this company offering me this promotion. I expect they honor it because I scheduled a meeting as described on good faith. Companies solicit promotions via telephone all of the time. Many times they are "phone only" offers and are not advertised on the internet or tv. If they do not honor this representative's offer, simply put they are guilty of false advertising. They have not denied that the representative works for them. I cannot tell you what office the rep worked out of. I have forwarded all e-mail communications, including phone numbers, so the company should be able to identify the representative in their personnel records. I do have a business card from Sara (the girl I physically met with) that provides the following details:Ipayment Inc./EMV LeasingPowered by First DataAn Industry leader exceeding expections[redacted]Certified Merchant ConsultantYou will notice in the e-mails between Sara and myself, that she never denied anything about the $100 offer, she just directed me to a manager (Chris McAdams), who never responded to my e-mails or phone calls. If they cannot stand by this offer, then they obviously cannot stand by their business practices either.
Regards,
[redacted]
Complaint: 11101230
I am rejecting this response because:They knew my transaction volume in the first place. I gave them my transaction history from my previous merchant account and they did have all the info. They sales rep promised they would offer same service same as my previous merchant account. Not only they didn't but also they put a hold on my transaction and push me to reverse them. When I did reverse then charge me for the service fee that they didn't perform. This is absolutely rip-off. When I called them each time, there is only one person who is absolutely unprofessional answered him. I asked for his supervisor and he always forwarded my call to someone voice mail. Since, I could NOT complete any of my transaction with this company and in fact they impose financial and moral loses into my business, I need all the fees that they stole from my bank account to be refunded. Until then I will continue to leave negative feedback and share my experience with everybody.
Regards,
M[redacted]
Mr. [redacted],Please provide your merchant number so we can locate you account and review your complaint. Based on the information provided so far we are not able to locate your account.
Our Risk Management Department took action on the account as needed. Your merchant agreement allows for us to debit your account and hold funds for our liability period. We can also retain funds if we feel your account has placed us in a potential fineable situation by the card brands.
The merchant account was closed on 11/10/16, and the Early Termination Fee was waived. Subsequently on 11/22/16 a refund of fee's was issued. All matters appear to now be resolved.
Merchant signed an addendum to their merchant agreement on 8/25/15 for equipment agreeing to an early termination fee of $250.00. No funds will be refunded.
Complaint: 11385118
I am rejecting this response because: this is unacceptable I signed up in specifically stated my minimum charge would be 2000 or more I never received a credit card reader the charge was instantly refunded per processing companies suggestions they staTed they needed further banking information to be able to process the bigger charges and that the charger would be voided until I turned the banking information for review they then charged my account 227 dollars for processing this one transaction that was instantly refunded per their request I did not qualify for their services per our discussion through customer service at which time I told them I was not interested in their services in relieved a credit card reader in mail after they charged my account 227 dollars and canceled my request to use their service they used high pressure sales tactics and never explained any of their hidden fees cancelation fees at all I believe their service as showed by numerous complaints files against them that they are a shoddy company I never once signed up for I payment services in signed up for clover services and have proof of all my dealings with them was told by higher ups of company this would be taken care of and there was no reasoning for the charges that even they did not understand why my account was charged my opinion this company is a fraud set out to defraud small business and steal money from them without proper reasoning or explanation I intend to start a class action lawsuit against this company for the thousands of small business that they have stolen money from
Regards,
J[redacted]
Hello, we understand your concern with any funds on hold; however, we requested our supervisor to review the account and we can assure there are no funds on hold. We do show $1,423 being rejected due to the account being closed for 9/4/15 totaling 27 transactions. Moreover, $475.00 was rejected totaling 12 transactions because the account was closed 9/4/15. Please be advised these transactions were never debited from the card holder and never deposited into the merchant account. We can provide credit card numbers and the merchant can rekey these missing transactions at their new provider. Our customer service is ###-###-####.
Hello,We are sorry to hear about the issues you have experienced with the independent sales office, Merchant Account Solutions. Here at iPayment Inc., the processing center, we have closed your merchant account and waived any applicable cancellation fees. If you were sent equipment from...
the independent sales office, Merchant Account Solutions, then you must return that equipment to avoid any additional charges.Please contact the independent sales office at ###-###-#### to arrange for returning any equipment.Thank you.
Complaint: 10884401
I am rejecting this response because: The amount owed is
$112.41, not $25.00. The early termination fee CAN be refunded, as it is your company who didn't follow through. It does not take over two weeks to be paid from any other company. Your refusal to accept responsibility for your errors makes it even more important that people know about you. To pay me less than 25% of what you owe me is theft.
Regards,
[redacted]
Complaint: 10725091
I am rejecting this response because:I had never indicated the contract was for 12 months. I own a small seasonal lawn care business in New Jersey.... the contract is from March through September, which I have explained to iPayment on numerous occasions. Regardless, there is no mention of a contract's inability to exceed 3 months. I have attached the contract to this response. In response to the monetary amount exceeding the single transaction limit:While looking back I do see that there was a $1,000 cap on a single transaction, I did not remember this at the time. I understand iPayment's concern of this and need to investigate. However, it has now been over 90 days that they have been withholding over $1,900. One transaction for $1,311.41 and one for $623.82 (which should have never been withheld as it is within the acceptable parameters). There have been no complaints from my customers regarding the transactions, whom already paid for the services in April. I have had to pay NJ Sales Tax on these services, even though I have not received my rightfully owed payment. iPayment continues to give vague responses when asked when I will receive the money that is owed to me. There are nothing but awful reviews on Yelp, Consumer Affairs, and the Revdex.com itself (10 out of 11 customer reviews are negative). This is obviously a reoccurring problem and I am owed a specific answer of WHEN my money will be returned to me.
Regards,
[redacted]
Hello,We are sorry to hear about the missunderstanding in terms. I have attached for reference your merchant agreement and a mailer sent regarding changes to your account. The merchant agreement authorizes the charge of a PCI Compliance fee. This fee/program was restructured to our...
Enhanced Security Package which is the applicable fee you were charged of $179.00.You have spoken with our customer service department and they have a pending refund which is being processed. We will consider this complaint resolved as the request for a refund is already been address by customer service.Thank you.
Merchant signed Merchant Processing Agreement agreeing to terms. On page 2 it clearly states his account limits. $900.00 is listed as his high ticket. The merchant charged his customer $2000.00. It was held by Risk Management because he was not authorized to charge this amount....
Yes funds were held for a time. Refunds are not instant. They still have to be processed and then the issuing bank has to post them back to the account. This can take several days. The merchant was assessed an early termination fee which is also noted on the merchant agreement on page 3. No refunds will be given.
Mr. [redacted] specifically indicated in his 7/21/16 rejection that he was not rejecting our response; merely providing requested information. Please amend the status of this complaint accordingly.
Complaint: 11754068
I am rejecting this response becauseI have sent everything to...
the company that they requested to close my account. I attached a check when returning my equipment. The equipment was returned, and signed for, but the check attached mysterisly 'lost'. I put a 'stop payment' on the check, costing another $35.00, then sent another check, to the same address. Now the check has been returned, with a note attached 'undeliverable address'. This is ridiculous, what a person is put through to close out a credit card processor. I'm sure, most people just give up, and pay whatever penalty the processor deems o.k. This company tried to charge me $1500.00, which would put me out of business. I am a very small business, and cannot afford to keep paying out for a service I no longer want/need. I have been charged $74.00, September, $41.00, August, both months monies taken out of my checking account while not using their services, July, not only fees for processing, but a 'compliance fee of $129.00. (I previously had received a letter stating that the compliance fee would be charges for in August, which is another reason I decided to change processors. No other company charges that amount. All others charge the customer more that what the compliance fee is, which is $100.00. This company makes an additional $29.00 p/customer..that is NOT acceptable). Each representative I spoke with told me something different. I sent a copy of a contract I signed agreeing I could cancel my account with no penalty, as I had already fulfilled my original agreement. Amazingly, I had to forward my copy,they did not have one??? Each 'person of authority' I speak with seems to keep leaving the company after we have spoken, so when I call back, the person is 'no longer available'... I will send a check one more time with the agreed amount to close out my account. I feel I should be reimbursed for these charges from the time I went with a different processor, since I do have a contract stating I could cancel with no penalty. When I have been refunded, and will change my complaint
Regards,
[redacted]
Hello,We are sorry to hear of the issues you experienced with our services. I have attached a copy of the merchant agreement which contains information about the fees agreed to be paid. To confirm, the equipment was sent on loan with no charge. If, after closing your account, equipment is not...
returned you are charged for the cost of the equipment. Regarding your request for a refund of difference in fees and fees not on contract. Would you specify what fees you are referring to that were charged and not apart of your agreement? All fees charged are authorized based on your signature on the agreement which lists your schedule of fees and any addition applicable fees.Attached is your agreement for services. We are unable to refund fees which were authorized by your signature for our services.
Hello,We are sorry to hear of the issues you experienced. Your merchant account has been closed on 5/15/15 and the cancellation fee has been waived.Good luck to you in your future endeavors.
Complaint: 10614243
I am rejecting this response because: This offer was not advertised on TV or the Internet; however, I did receive a phone call from a representative of this company offering me this promotion. I expect they honor it because I scheduled a meeting as described on good faith. Companies solicit promotions via telephone all of the time. Many times they are "phone only" offers and are not advertised on the internet or tv. If they do not honor this representative's offer, simply put they are guilty of false advertising. They have not denied that the representative works for them. I cannot tell you what office the rep worked out of. I have forwarded all e-mail communications, including phone numbers, so the company should be able to identify the representative in their personnel records. I do have a business card from Sara (the girl I physically met with) that provides the following details:Ipayment Inc./EMV LeasingPowered by First DataAn Industry leader exceeding expections[redacted]Certified Merchant ConsultantYou will notice in the e-mails between Sara and myself, that she never denied anything about the $100 offer, she just directed me to a manager (Chris McAdams), who never responded to my e-mails or phone calls. If they cannot stand by this offer, then they obviously cannot stand by their business practices either.
Regards,
[redacted]
Complaint: 11101230
I am rejecting this response because:They knew my transaction volume in the first place. I gave them my transaction history from my previous merchant account and they did have all the info. They sales rep promised they would offer same service same as my previous merchant account. Not only they didn't but also they put a hold on my transaction and push me to reverse them. When I did reverse then charge me for the service fee that they didn't perform. This is absolutely rip-off. When I called them each time, there is only one person who is absolutely unprofessional answered him. I asked for his supervisor and he always forwarded my call to someone voice mail. Since, I could NOT complete any of my transaction with this company and in fact they impose financial and moral loses into my business, I need all the fees that they stole from my bank account to be refunded. Until then I will continue to leave negative feedback and share my experience with everybody.
Regards,
M[redacted]
Please list amount and date charged that you are disputing so we may review.
Mr. [redacted],Please provide your merchant number so we can locate you account and review your complaint. Based on the information provided so far we are not able to locate your account.
Our Risk Management Department took action on the account as needed. Your merchant agreement allows for us to debit your account and hold funds for our liability period. We can also retain funds if we feel your account has placed us in a potential fineable situation by the card brands.
The merchant account was closed on 11/10/16, and the Early Termination Fee was waived. Subsequently on 11/22/16 a refund of fee's was issued. All matters appear to now be resolved.
Refund will not be issued due to signed contractual agreement agreeing to terms and conditions of merchant account.
Merchant signed an addendum to their merchant agreement on 8/25/15 for equipment agreeing to an early termination fee of $250.00. No funds will be refunded.
Complaint: 11385118
I am rejecting this response because: this is unacceptable I signed up in specifically stated my minimum charge would be 2000 or more I never received a credit card reader the charge was instantly refunded per processing companies suggestions they staTed they needed further banking information to be able to process the bigger charges and that the charger would be voided until I turned the banking information for review they then charged my account 227 dollars for processing this one transaction that was instantly refunded per their request I did not qualify for their services per our discussion through customer service at which time I told them I was not interested in their services in relieved a credit card reader in mail after they charged my account 227 dollars and canceled my request to use their service they used high pressure sales tactics and never explained any of their hidden fees cancelation fees at all I believe their service as showed by numerous complaints files against them that they are a shoddy company I never once signed up for I payment services in signed up for clover services and have proof of all my dealings with them was told by higher ups of company this would be taken care of and there was no reasoning for the charges that even they did not understand why my account was charged my opinion this company is a fraud set out to defraud small business and steal money from them without proper reasoning or explanation I intend to start a class action lawsuit against this company for the thousands of small business that they have stolen money from
Regards,
J[redacted]
We are not able to locate this account. Please send merchant number listed on correspondence received to verify.
Hello, we understand your concern with any funds on hold; however, we requested our supervisor to review the account and we can assure there are no funds on hold. We do show $1,423 being rejected due to the account being closed for 9/4/15 totaling 27 transactions. Moreover, $475.00 was rejected totaling 12 transactions because the account was closed 9/4/15. Please be advised these transactions were never debited from the card holder and never deposited into the merchant account. We can provide credit card numbers and the merchant can rekey these missing transactions at their new provider. Our customer service is ###-###-####.
Hello,We are sorry to hear about the issues you have experienced with the independent sales office, Merchant Account Solutions. Here at iPayment Inc., the processing center, we have closed your merchant account and waived any applicable cancellation fees. If you were sent equipment from...
the independent sales office, Merchant Account Solutions, then you must return that equipment to avoid any additional charges.Please contact the independent sales office at ###-###-#### to arrange for returning any equipment.Thank you.
Complaint: 10884401
I am rejecting this response because: The amount owed is
$112.41, not $25.00. The early termination fee CAN be refunded, as it is your company who didn't follow through. It does not take over two weeks to be paid from any other company. Your refusal to accept responsibility for your errors makes it even more important that people know about you. To pay me less than 25% of what you owe me is theft.
Regards,
[redacted]
Complaint: 10725091
I am rejecting this response because:I had never indicated the contract was for 12 months. I own a small seasonal lawn care business in New Jersey.... the contract is from March through September, which I have explained to iPayment on numerous occasions. Regardless, there is no mention of a contract's inability to exceed 3 months. I have attached the contract to this response. In response to the monetary amount exceeding the single transaction limit:While looking back I do see that there was a $1,000 cap on a single transaction, I did not remember this at the time. I understand iPayment's concern of this and need to investigate. However, it has now been over 90 days that they have been withholding over $1,900. One transaction for $1,311.41 and one for $623.82 (which should have never been withheld as it is within the acceptable parameters). There have been no complaints from my customers regarding the transactions, whom already paid for the services in April. I have had to pay NJ Sales Tax on these services, even though I have not received my rightfully owed payment. iPayment continues to give vague responses when asked when I will receive the money that is owed to me. There are nothing but awful reviews on Yelp, Consumer Affairs, and the Revdex.com itself (10 out of 11 customer reviews are negative). This is obviously a reoccurring problem and I am owed a specific answer of WHEN my money will be returned to me.
Regards,
[redacted]
Hello,We are sorry to hear about the missunderstanding in terms. I have attached for reference your merchant agreement and a mailer sent regarding changes to your account. The merchant agreement authorizes the charge of a PCI Compliance fee. This fee/program was restructured to our...
Enhanced Security Package which is the applicable fee you were charged of $179.00.You have spoken with our customer service department and they have a pending refund which is being processed. We will consider this complaint resolved as the request for a refund is already been address by customer service.Thank you.
Merchant signed Merchant Processing Agreement agreeing to terms. On page 2 it clearly states his account limits. $900.00 is listed as his high ticket. The merchant charged his customer $2000.00. It was held by Risk Management because he was not authorized to charge this amount....
Yes funds were held for a time. Refunds are not instant. They still have to be processed and then the issuing bank has to post them back to the account. This can take several days. The merchant was assessed an early termination fee which is also noted on the merchant agreement on page 3. No refunds will be given.
Mr. [redacted] specifically indicated in his 7/21/16 rejection that he was not rejecting our response; merely providing requested information. Please amend the status of this complaint accordingly.