APCO Merchant Services Inc.

Review: Good morning,

I have a merchant account with this company and have tried many different avenues to contact someone in reference to canceling their services, and in the meantime they keep charging us for services we have no longer been utilizing.

I have used every contact phone # to reach the company. When I call the company that does our card processing, They gave me the phone # they had on the account to reach this company ###-###-####. That company states they do not have my # on file. Then I call the customer service # on my statement ###-###-####, states that the phone# has been disconnected!!! I have been trying to close my account for 2 months with [redacted] accounts and have not had any luck with contacting any one. Also the card processing company tried to help me for a good 20 minutes trying every phone # they had and still hit a dead end for all!! This company is still charging our business account, even though I have changed my Merchant account services to [redacted]. They also just charged for not being [redacted] compliant, but I am [redacted] compliant with the company of [redacted] which our company is using now. I have NO contract with [redacted] so all I want to do is get a hold of someone to cancel my service.

Please help me I am going out of my mind trying to contact [redacted] Merchant!!Desired Settlement: I would like a phone call or an email stating that they have closed our account and will no longer be billing us...

Thank You

Consumer

Response:

At this time, I have not been contacted by APCO Merchant Services Inc. regarding complaint ID [redacted].Sincerely,[redacted]

Review: I am trying to get information on a charge and have called several times and nobody gets back to us.Desired Settlement: A phone call.

Review: In November 2013 a sales representative named [redacted] (or [redacted]) came to my business and said she was from DFW Enterprises. I was applying for a loan and that's how she got my information and also asked for a voided check which she stated was for if I was approved for the loan the money would be transferred to my bank account. She did mention something about merchant services, but I specifically told her I didn't need merchant services because I already had merchant services through Bank of America. Then I started receiving AMS statements in November 2013 and so I called them to find out what kind of company they were because I didn't even know they were merchant services because I didn't apply for that. I have called them several times since December 2013 to resolve this issue. At first, When I called they told us that the account was cancelled and that we would get a refund, but I kept receiving statements saying that we owed them money. This was told to us a couple times until March 2014. At that time, when we called they said that we would have to write out a statement saying why we wanted to cancel and if we wanted a refund and how much. I faxed this statement on 3/**/14. No refund happened and then we got in contact with a guy named [redacted] which told me that I needed to file a police report for fraud and then fax him the report and then I could get a refund. I did that waited for a week to see if something happened nothing did. So I called again and we called like 4 different times and every time I called each person said they didn't receive the police report and so I faxed the report three different times because every time they didn't receive it according to them. Then finally I got to a [redacted] named [redacted] and she was useless and told me that it wasn't fraud because I had signed something and was unwilling to help me. Then she transferred me to another [redacted] named [redacted] and he wouldn't give us a refund either, but that whatever went to collection he would waive which started in April 2014 because I stopped payment through my bank account in March 2014. What is weird is that in one of the previous calls I was told the account was closed in April 2014, but was told by Justin that I owed over $800 because they kept billing me from April 2014 to March 2014, but I haven't received any statements since March 2014. This company is a scam because whenever I call they just seem to pass the ball instead of finding a solution to help me and they are really rude and not customer oriented. Please help me!!!!Desired Settlement: Basically I just want a refund of the money that was taken out of my bank account form November 2013 to February 2014 that added up to $300.79 ($10.99, $39.95, $159.95, and $89.90 respectively). Also anything that went to collections to be cancelled and ultimately closed.

Review: I was with APCO merchant service since August 2011. I had a problem with the terminal machine back in Oct 2012 so I called there customer service number [redacted]. However, they did not answer the phone. I looked up on google to find different phone number so I tried few other phone numbers but no luck. Meanwhile, I had to get a different credit card merchant because I can not run a business without credit card service. Even though I was with different company, I kept trying to call APCO to cancel it for several month. Early this year, one of the supervisor from APCO called me and said my account is not active. So I told him what's been going on and he said his company was unable to answer phone calls due to Hurricane Sandy last year and was not able to restore their system until early this year. I told him that since it's not my problem, I wanted to cancel it without paying early termination fee and also want all the fees I've been paying since Oct. 2012 to now.(they are still charging). He said he will take care of it so I sent fax to cancel the account. They did not close the account. I sent 2 additional fax for closing account but they've been ignoring my fax. Of course they won't close the account over the phone. I've called them over 5 times and they still won't close the account. Please take care of this problem.Desired Settlement: 1. No Early termination Fee 2. All fees refunded from Oct. 2012 to present. (still charging)

Business

Response:

Please be advised that I have contacted this merchant regarding his complaint at 11:44 this morning. As of now- we are closing his account and waiving his Early Termination Fee as requested. As for refunding fees back to October 2012, I am waiting for the merchant to provide some documentation that he tried to cancel as our company never received the faxes he supposedly sent. Assuming he provides documentation of a cancelation fax in October 2012, we can then move forward with the refund.

Thank you,

Review: We had registered for a credit card processing app on Android system. We were guaranteed no fees during a trial period as the application failed to work and customer service was never able to correct the problem. We have that information in emails that we sent back and forth with our customer service manager. He had us sign an agreement that listed fees but said that they would be covered by APCO. We have been charged $338.60 to date.Desired Settlement: I would like a refund plus any fees for overdraft charges.

Business

Response:

We apologize for not being able to set this account up for a mobile phone device. Due to the error on our end, the account has been closed and refund is pending for charges of

Feb 2014 $59.90

Jan 2014 $59.90

Dec 2013 $119.90

Refunds can generally take 3-7 business days to return to merchants bank account.

Thank you,

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]

There was a charge of $59.90 March [redacted]as well and upon receipt of those refunds I will be content with the resolution.

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

Sincerely,

Business

Response:

Yes, The March [redacted] Charge correlates to the Feb 2014 $59.90 listed. It is a charge for February Statement billed in the beginning of March.

Feb 2014 statement charged beginning of March $59.90

Jan 2014 statement charged beginning of February $59.90

Dec 2013 statement charged beginning of January $119.90

Hopefully this helps.

Thank you,

Consumer

Response:

At this time, I have been contacted directly by APCO Merchant Services Inc. regarding complaint ID [redacted], however my complaint has NOT been resolved because:

[Your Answer Here]

The company contacted me several weeks ago promising a refund within a week and then again last week saying it would be 3 to 4 business days and as of yet nothing has been transferred

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

Sincerely,

Review: I have had issue with this credit card authorization company for years. The failed to reimburse a $300 cancelation fee when I opened the account. Now I can't seem to get them to close the account, and they continue to take money from my bank account. I officially asked them to close the account in April, when my 3 year contract was over. When I talk to them on the phone or email, they say that it's closed and that I will receive my refund, but it is not happening! As a small business, with no lawyer, I don't know what more I can do! My bank says they can't stop their connection from my account, and I can't close the account with a huge headache.Desired Settlement: I want my account with them closed! And refunds for unauthorized debits from my bank account!

Business

Response:

Good Afternoon,

[redacted] has been in touch with [redacted], a customer service employee at AMS. [redacted] was informed by [redacted] that unfortunately it is not AMS policy to reimburse cancellation fees that a merchant might receive from other service providers. As far as cancellation fees go, we can reimburse a fee if it was charged by our company- but not someone else’s. However, hoping to resolve this situation we evaluated her contract to see if something might have been added in there for her, or if maybe she had something in writing stating that she would be reimbursed- but nothing was received.

However- we will gladly issue the refund of $139.35. This amount includes charges to her account occurring April- June.

I have submitted the refund request and a credit of $139.35 will hit her account in 3-4 business days

Thank you,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted]. Their response is not necessarily true. But I would accept this action of a refund. I do not believe that it will occur, as I have been told this before. If a refund actually occurs, I would be satisfied.

Sincerely,

Review: [redacted], the companie's ** of sales came into my store and signed me up for his merchant service. He promised me all kinds of low rates and a month to month contract. I tried to get in touch with him multiple times and he never returned a single call. He has been unresponsive since the day the machines were installed. The first months statement came in and the price was about 5 times what I was told. He flat out and lied even after a contract was signed with the numbers we agreed on. The contract was also a month to month contract which also turned out to be a lie because I called to cancel and they told me it was a 3 year deal. I will be calling them back for them to send me a copy of this contract. Absolutely awful experience with this company and [redacted] is a fraud. If this is their ** then I can only imagine what the rest of this company must be like.Desired Settlement: I'd like the terms that we agreed on to be instituted, the difference refunded back to me, and terminate this contract now.

Consumer

Response:

At this time, I have not been contacted by APCO Merchant Services Inc. regarding complaint ID [redacted].Sincerely,[redacted]

Review: We had to relocate our small business in January 2011 and didn't find a new location for 6 months. Then we didn't get electricity until April 2013, but we continued to pay them $38.95 monthly as we were still under contract. Even then we didn't use the credit card machine which was packed in a box since our first move. Our contract ended in May so we returned the credit card machine with key pad on 5/*/13 and they signed for delivery 5/**/13. Yet they continue to take payments out of our bank account. 6/* $88.95, 5/* $38.95, 4/* $118.94, 3/* $38.95 the usual charge amount. I went online to their website and emailed them, tried every phone number listed and only received "the person at this extention is not available" or something, leave a message and we will get back to you. The main number has been disconnected.Desired Settlement: Refund of the last charge and over charges, and then they promise not to excess our bank account any more.

Business

Response:

Our Company: AMS

Consumer Company: [redacted]

Consumer Contact:[redacted]

Case Number: [redacted]

Good Evening,

After looking into this account- AMS will be refunding the merchant $236.85

I verified we did in fact receive our terminal along with a cancellation letter on May [redacted], 2013- however the account was not closed until September.

This was most likely a communication error on AMS, and we will gladly have funds put back into the account that were charged after May.

June Charge: $38.95

July Charge: $38.95

August Charge: $158.95

Thank you,

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:

today is November **, 2013 and here is a copy of an email that I just sent to [redacted]....

Dear [redacted],

I have been in contact with the Revdex.com and someone at your company named [redacted], but so far we have not received a check. Last time I spoke with [redacted] he said he knew you and would make sure that you had the correct address for our company, but we still haven't heard anything. I told the Revdex.com to keep the case open also because of not receiving the refund they were told of.

I would greatly appreciate hearing the reason for the delay and am going to inform Revdex.com that we still have not reconciled this matter.

This is your case #[redacted] and her last email was dated Oct. **th and I think if they had any intention of following through with a refund they have had sufficient time to mail a check.

Thank you for your assistance in this matter.

I am so sorry to have to involve you in this but they don't appear sincere in my opinion.

Business

Response:

Please see below e-mail thread between [redacted] and myself. I am waiting on confirmation that she received 2 credits of $38.95 on October [redacted]- which would be the correct amount because of August payment of $158.95 rejecting.

I have offered [redacted] my direct line to contact by phone and discuss but no calls yet. I have also tried the number provided by Revdex.com to reach out to her, and no response

If they are in fact two credits of $38.95, then we are squared away.

What happens is, we requested a deposit to the First Data Processing Branch for June, July and August.

Since August payment rejected- they are only authorized to refund June and July (both months $38.95)

Again, please confirm that the 2 charges for $38.95 you mentioned below are not actually credits.

Thank you,

From: [redacted] [mailto:[redacted]]

Sent: [redacted]

To: [redacted]

Subject: Re: Refund since May

my bank statement shows two charges for $38.95 October [redacted] however that happened.

Review: I HAVE BEEN USING THIS COMPANY FOR ABOUT 5 YEARS TO PROCESS CREDIT CARDS FOR MY BUSINESS. ON OR ABOUT THE END OF JUNE, I HAD AN ISSUE WITH MY PIN PAD TERMINAL AND I CALLED ALLSTATE MERCHANT SERVICES (AMS) FOR ASSISTANCE. SOMEONE ANSWERED THE PHONE AND ASSISTED ME IN TELLING ME TO SEND IN MY PIN PAD TO GET REPAIRED. I DID SO. TWO WEEKS LATER I DID NOT RECEIVE THE PIN PAD BACK, SO I STARTED CALLING AGAIN TO FIND OUT WHAT HAD HAPPENED. THE REPRESENTATIVE AT AMS WHO TOLD ME TO MAIL IN THE PIN PAD ATTEMPTED TO HELP ME LOCATE SAID PIN PAD. HE WAS UNABLE TO DO SO. AFTER ABOUT A WEEK OF CALLING AMS, [redacted] TOLD ME THAT HE WAS ONLY THERE TO FILL IN AND FIX THE MESS THAT AMS HAD LEFT. HE DOES NOT WORK FOR AMS AND THAT AMS WENT OUT OF BUSINESS. I IMMEDIATELY CALLED [redacted], WHO IS THE PROCESSOR FOR AMS AND INFORMED THEM OF THIS. THEY CLAIMED TO HAVE NO IDEA THAT AMS WENT OUT OF BUSINESS. I IMMEDIATELY BEGAN SENDING LETTERS TO AMS a/k/a APCO, AND [redacted] TO DISCOUNT MY BUSINESS WITH THEM AND TO CEASE PROCESSING MY CREDIT CARDS. I HAVE SENT FAXES TO THE NUMBER I HAVE ON FILE AND NO RESPONSE. MY LETTER THAT I SENT TO AMS AT [redacted] CAME BACK AS UNABLE TO FORWARD. WHEN I CALL THEIR NUMBER ###-###-####, IT JUST RINGS AND NO ONE PICKS UP. I JUST RECEIVED A STATEMENT FROM AMS AND THEY'RE BILLING ME FOR JUST HAVING THEIR SERVICES. I NO LONGER USE THEIR SERVICES, SO THEIR JUST BILLING ME FOR ALL THE BASIC CHARGES.Desired Settlement: I WOULD LIKE AMS AND [redacted] TO DISCONTINUE MY SERVICES WITH THEM AND STOP TAKING MONEY OUT OF MY ACCOUNT.

Review: This company defaulted our contract. I requested full internet credit card scanning. I did not want a terminal to be used in storefront. I was told I would get a credit card scanner that would attach to my computer and access approve online through their website. They also would not charge my account unless there was a credit transaction. They also told me they would cancel my current merchant account. They never cancelled my merchant account and shipped me two terminals for each location. I repeatedly told them this was not what I wanted and was told to use them until they could send me the card scanners I requested. Each time I called them, they told me what I wanted to here, but never followed through. I returned the terminals and sent them a letter of cancellation as per their suggestion to cancel service over 1 year ago. They continued to charge my account after they received and admitted receiving the terminals and my letter of cancellation. The also continued to debit my account for credit transactions that never existed. I have recorded most of our communications when it became obvious they were going to continue to take what ever they pleased from my account. Then when I finally convinced my bank to stop payment on their debits to my account, a year after I cancelled my account, due to their default, they found a way to debit my account for $495 twice, for cancel of account. This cancellation fee was supposed to be waved, if they were in default.Desired Settlement: I want refunded me, all charges since my cancellation letter. $842.60 for 1st location and $618.05 for 2nd location charged me for fees when I had no transactions and no terminals for either location. Also early termination fee recently charged me $495 each location under a different type of transaction not recognized by my bank when told to block their account. They defaulted our contract not me. They never came through with our agreement. I have their voice recordings and faxed and contract agreement.

Business

Response:

Good Afternoon,

Can we please have the Merchant ID number and business name in question? The merchant ID number can be found on the monthly statement.

Review: I have had a number of problems with this company.

1. They agreed to create an online shopping cart for my business. This website address they made was my password, and nothing anyone would ever search for to find my business, never had a shopping cart. I was charged for this website every month.

2. I was then informed that one of the images on this website was a copy right infringement and told to pay the imaging company damages.

3. When I tried to contact APCO about this, to have them take the image down and address the problem they failed to respond to my numerous emails and calls. It took 2 or 3 weeks to finally get in touch with some one, who was very rude and unprofessional. They agreed to take the site down, and refund me the money for the site I never asked for.

4. They have not refunded the money (though they did remove the website) and tried to charge me a $495.00 cancellation fee. When I first talked to them I asked if I could cancel the account if it did not work out and they said yes. They never mentioned a cancellation fee.

I am very suspicious that this company is a scam, and not at all reputable. I would very much appreciate them being further investigated.Desired Settlement: I would like them to refund all the past charges for the website which never had the shopping cart, could not be searched for in relation to my business and thus never resulted in a single sale. I was charged $57.90 a month from 5/**/2013 to December of 2013. This amount should be $504.30.