American Credit Card Processing Corporation

Review: their business development representative [redacted] solicited me to switch to their credit card processing to save me money. I advised her that unless I could process their transactions the same way I did with my current processor, I would not switch even if I could save money. She assured me that they could duplicate my current procedures. She then drew up a contract that specified NO CANCELLATION FEE, and underlined it. I signed it,with that stipulation. The company then sent me a terminal which did not take the same size paper as the one I use in all other machines. I sent it back. THey sent me another which used the same paper,but it required an extra step in processing a corporate credit card. I called their tech support unit to try to eliminate the extra step.The tech advised me that the step could not be eliminated.I told him that I have the exact same unit and never had the extra step in processing. I called the company and advised them of the problem,and told them I would not be using their services. they advised me to send back the terminal,which I did. On april [redacted] I noticed a 500 cancellation fee was deducted from my checking account. In my first call to them in may ,[redacted],a [redacted] advised it would be refunded. [redacted] also told me that the refund would be processed. I waited 30 days and no refund. In My next call in june to [redacted], he said he would have to check with [redacted]. Icalled her,she never returned my call. IN July I thiscalled both [redacted] and [redacted] a couple of times.they never returned my money or returned my calls.Desired Settlement: Either send me a check or credit my checking account for 500dollars

Business

Response:

The fee was refunded on 08/[redacted], please allow several days to post to the account. Should have it on Monday 08/[redacted], thank you.

Review: In the past 2 years they go into my checking account and randomly clean out my account without authority. They have ripped me off so many times I'm waiting for refunds or I would have closed my account. I haven't used the service since October yet they still took money again todayDesired Settlement: I want my money back in full

Business

Response:

please provide name of the account as well as the mid# so can view it.?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have had nothing but issues with them. They are lying. You can reach the representative I have delt with locally. She will tell you what I have told you. I expect a refund of my charges that I have sent you via email . They have charged me over and over again and I am expecting a refund of 57$

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Accpc will refund $57 as a courtesy but if they need to cancel the account they need to send in a cancellation notice to us.

Review: ACCPC (Americal Credit Card Processing Company) took the money out of my bank and NOT returning for three months.

[redacted] from ACCPC has promised and texted me that money will be returned but money has never beed refunded yet.

I called the [redacted] many times since march 2015, but he is avoiding my calls purposely and he even cursed at me.

Very Rude, Very unprofessional. ACCPC (Americal Credit Card Processing Company) took the money out of my bank and NOT returning for three months. He has promised and texted me that money will be retutned but money has never beed refunded yet. Called the [redacted] many times but he is avoiding my calls purposely and he even cursed at me.Desired Settlement: ACCPC must refund my money with apology

Business

Response:

this issue was already addressed and taken care of. the refund is being issued.

Review: I have been a loyal customer for 5 years. I bought and own my credit card machine on 9/**/10 from ACCPC for $166.00. It was swapped or switched out and I gave the one I bought and owned back to them for a different credit card machine. Records will show that I never paid rent on the machine(s) due the fact that I own it and it was an even exchange. When I closed my business on 8/**/15, I called Erica, left a voicemail message for Andre, and emailed Derek regarding closing the credit card account. No one from ACCPC asked me about my machine that I own it nor stated they would remove money without authorization from my account. Then they withdrew $275.00 on 9/**/15 for my credit card machine from my business bank account without researching the fact that I own my terminal. No communication or receipt was given to me, neither by telephone, email or mail. On 9/**/15, I requested they refund the money and showed 3 forms of proof that I own the machine. Because of their withdrawal, the bank has since charged me 2 charges of $35 in overdrawn fees totalling $70.00. Due to the fact I was about to close the account and I did not expect to have any unauthorized withdrawals. $345.00 total due to me because of their mistake. The bank will continue to charge me overdraft fees every 5 business days that it takes them deal with their mistake. Also, when I called ACCPC on 9/**/15, Erica said she would refund the terminal cost of $275.00 within 7-10 business days, and would request from Andre the Bank Fees. It was after 8 business days, that I followed up to find out that they did not process the said refund and they requested again that I send them my terminal that I own. "[redacted]" I immediately furnished 3 forms of proof that I own the terminal and I still have had no corrective action from the company.Desired Settlement: Bank Refund $275 + $35 + $35 = $345 plus additional bank fees incurred due to their unauthorized withdrawal that created an overdraft situation.

Business

Response:

the refund was processed on 10/**/15 for $275. We do not refund the bank fees, they can request those fees to be refunded from the bank directly. thank you.

I have tried to cancel our business accounts with this company since February 2016. It is now June 2016 and I am STILL being charged monthly fees even after they told me the accounts have been cancelled. And no, the fees are not being billed on an invoice...they are coming out of our checking account!! I would never recommend this company or do business with them again.

Review: I recently discovered an unauthorized charge to our business checking account by our former merchant services provider, ACCPC. This charge is dated**-Oct-14 in the amount of $150.00.

I sent an email message to all my contacts at ACCPC to inquire, only to be told that I needed to contact another department. I called on**-Nov-14 and spoke with [redacted] in the “customer service” department. I was told that the charge was a routine debit because we closed our account with ACCPC (we switched to [redacted] Merchant Services). [redacted] explained to me that the charge was described in the Terms of our agreement that was entered into on**-Feb-09. I retrieved my copy of the signed contract (provided to me my my sales rep, [redacted]) from my files, and found no mention of a cancellation fee. The only fees mentioned in the contract are typical monthly and transaction based fees.

It appears that the contract form may have originally been a pre-printed multi-part form, which typically has terms printed on the back side of all pages. My sales rep used a photocopy of the form for our contract, which prevented me from having knowledge of the terms to which ACCPC claims I agreed.

I called ACCPC back to discuss the contract, and was told that it does not matter that my copy does not have the terms statement, because they have these terms on file and enforce them as they see fit. When I asked for a copy of their original document with my signature on it, ACCPC refused to cooperate.

My experience with ACCPC over 5-1/2 years was nothing, if not challenging. All requests made by me were met with rudeness, if responded to at all. My sales rep never returns phone messages or replies to emails.

I had once identified a suspicious transaction and called ACCPC's risk department to get more information. I was told not to do anything, that they would handle it for me. I was later hit with a chargeback (including all the associated fees and penalties) on the suspicious transaction that I had called their attention to - without giving me the opportunity to process a refund. This seems predatory to me.Desired Settlement: Refund the unauthorized $150.00 charge, either directly, or by check.

Business

Response:

It is company policy, as well as customary in our industry, to assess a cancellation fee to merchants.It is unfortunate that this merchant did not observe this stipulation when signing up for our services. Our reps are trained and instructed to educate and disclose all aspects of the merchant services application to the customer. [redacted] is a seasoned and experienced salesperson, who undoubtedly presented this information to the merchant during the course of their negotiations, even though the merchant does not remember it now. It is outlined in the contract terms and conditions and as is true with all contracts, consumers hold the responsibility to review and ask questions before signing any document.In regards to the Risk/Chargeback complaint - if a merchant is uneasy about a transaction, he can always decline the purchase, or issue a refund before shipping product or providing services. He does not need ACCPC approval to do so. He can also call [redacted] or [redacted] to check if the Credit Card has been reported stolen, the phone number is provided on the ACCPC sticker located on the terminal as “Voice Authorization”.ACCPC does not have that information, and cannot confirm whether the card is good or not. In addition, if a merchant ever has difficulty reaching his account Rep, he can call directly to the ACCPC office for assistance. This number is also provided on the terminal sticker, or monthly statement for the merchants use. We do regret that this merchant does not feel he received satisfactory customer service with ACCPC, we do strive to satisfy our merchant’s needs to the best of our ability.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID#[redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

"It is company policy, as well as customary in our industry, to assess a cancellation fee to merchants." - We have not been assessed this charge by our other previous merchant account providers. "...undoubtedly presented this information to the merchant during the course of their negotiations, even though the merchant does not remember it now." - I admit that it is possible that I signed something without remembering all of the fine print. However, I do not have a copy of the fine print, and ACCPC refused to provide proof that I signed a document that contained the fine print. "...the phone number is provided on the ACCPC sticker located on the terminal..." - We had a MO/TO service with ACCPC. No terminal was provided. We called for guidance on a transaction, and learned an expensive lesson.In studying other complaints about ACCPC on Revdex.com.org, it is clear that others have been subjected to the same predatory billing practices, and challenges with communication.To resolve this complaint there are two options: 1) Prove I signed a document with terms - not with a scanned copy, but with the original paper document. ACCPC says I signed it - PROVE IT! 2) Refund the $150.00 cancellation fee.Best regards,[redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID#[redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

Thank you for your offer. However, I am not willing to compromise. I have a $20 program (as do most business offices) that allows me to fully manipulate PDF files. I can add and subtract pages of content, and even change the contents of PDF files and scanned documents. Therefore, I respectfully reiterate my request:1) Provide an original paper document with my signature that has the terms on the back of the page OR2) Refund my $150 in full.

It is not that I think you are trying to commit fraud. I am a stickler for retaining original documents. I would not have discarded the original contract, that included your terms, in favor of keeping a photocopy for all these years. I do not believe you can prove I signed a pre-printed, multi-part form that has terms printed on the backs of the pages. If you can prove it, I will accept your $150 charge and close this complaint.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

we are sorry you were not willing to accept our offer and we could not come to a compromise.

Review: my towing company A1 charlies towing signed a contract with ACCPC credit card company with the director of sales [redacted]. he stated and it also states in the contract that there are no cancelation fees and we can cancel at any time without any consequences. I decided I was no longer going to accept credit cards and canceled my contract. a couple of days later I saw a withdraw out of my debit account in the amount of $250.00 on august *th 2013. I called the 800 number and the woman on the phone told me it was a cancellation fee and in order to get it credited back to my account I would have to speak to the sales rep, [redacted]. I called [redacted] and he said he would call me back when he got to his office. he never called me back and I have called him several times since and he has not returned any of my phone calls. this company cant just take money out of peoples bank accounts when it clearly states in the contract that there is no cancelation fee and no specific amount of time you need to be in contract.Desired Settlement: I want a full refund of $250.00 credited back to my debit account.

Business

Response:

This merchant is getting full refund. the refund will post this week.

Review: The ACCPC charged me the Early Termination Fee $300 on my account.

I signed the ACCPC Merchant Processing Application and Agreement on 02-**-2012, with Sales Rep.

The Sales Rep. told me my Agreement is no contract, then I do not need worried about any Early Cancellation Fee, and it is written on the Application. < Comment: NO CONTRACT>

First I did called ACCPC customer service line at 7 pm on 08-**-2014, someone answered me , she told me my Agreement is Written " No Contract", so I can cancel it anytime without any fee.

However, after I canceled my Merchant Account on 09-**-2014, the ACCPC charged me Early Termination Fee $300 on 09-**-2014, I called ACCPC on around 9:30 am on 09/**/2014, someone answered me that even the Agreement is written NO CONTRACT, but there still a THREE YEARS CONTRACT On the back of the Agreement.

Oh My God! I DON'T KNOW WHO CAN HELP ME? THE WRITTEN : NO CONTRACT on the Agreement is NO GUARANTEE?

I explained to her, I didn't have any back side of the Agreement, since I only signed three pages of the front side Agreement, and I only have three front pages that has been faxed to me. No one faxed me and explained to me the back side of the Agreement on 02/**/2012. ( I signed the Agreement by Fax.) BUT , she didn't care, she forward me to the [redacted].

I left TWO messages for ACCPC [redacted], but until now, no one call me back!

I send them two emails, but still no one reply me back.

I called my Sale Rep. he said he will call ACCPC [redacted] about this issue, but he didn't call me back also!

Will the ACCPC [redacted] should take care of this ISSUE?Desired Settlement: Please refund the $300 dollars back to my bank account.

Business

Response:

This merchant was refunded yesterday for the fee. She needs to check her bank account in next couple of days.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,