Boston Magician Christopher Bolter

Revdex.com: 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 will not put up with your excuses and or apologies for simply you not following through with what I was promised I just hope people take this as an honest review and stay very far away from Payza In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: 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] This is a complete lie and again I did not receive my money until todayThey finally released it Friday stating it would be immediately availableThis again a LIE!!! Beware and stay away from PAYZAI know several companies that have already quite using them as a source of payment processorPlease do the same and use anything other than payzaThey will lie, cheat and rob you if you allow it In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is not satisfactory to me and the matter has not been resolved, as response is slowI have sent in the proof they required via email and awaiting a response until my funds is released to me, as I am not a fraud thus matter remains unresolved Sincerely, [redacted]

Hi ***, My name is Alexander and I'm contacting you on behalf of Payzas' Customer Satisfaction department.Firstly, allow me to apologize for the inconvenience you may have experienced for this situationAs an online payment processor, Payza employs various financial institutions to execute your requestsYour request for a credit card withdrawal was processed in the same manner as the thousands of other transactions we process on a daily basis and the fact that your issuer is holding the funds is confirmation that these funds were in fact received by your issuer.We advise our members to contact their institutions before engaging in any type of transaction to ensure that such transactions are admissible according to their banks policiesFailing to do so does not make us liable for any issues with your financial institutions.Also, due to the fact that transactions are done through third party institutions, we are limited in our abilities as regards to transactionsOur agreements with them prevent us from retracting a transaction once completed.If your issuer refuses to apply the funds, they have the option of declining a transaction so long as it has not been applied to your balance, as has had to be done for members whose issuers do not accept these transactionsIf they refuse to do so, then unfortunately the funds will remain on hold with them until the permitted time frame for such holds has elapsed and the funds are automatically returned to us, at which point you may contact us with proof of the return so that the funds can be reapplied to your Payza account.While we'd like to assist you further, as explained above, due to the fact that the issue does not reside with Payza, but rather your issuer, we strongly urge you to pursue a resolution with themOur agreements with our partners forbid retractions of such transactionsWe hope you achieve your desired outcome and wish you the best in your future endeavors.Warm regards,AlexanderPayza.com

Revdex.com: 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: I have indeed received a confirmation of the deposit of the amount only after I initiated this process of reporting you and not throughing any blameI had provided several transaction confirmation sheets before the [redacted] of April which was rejected on several occassion It will do you business a lot of good if you could show some more professionalism, transparently and good customer serviceI rate your service poor from what I can see so far In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: 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: I was anticipating an email from your fraud department at least after two or three transactions not after transactions !!, it is a clear shortage from you to send me a mail saying that the funds source is fraudulent after almost receiving transactions and after you have reversed two transactions, also your fraudulent department didn't send the mail spontaneously, they send the mail after I contacting the support team to ask about the reason for the reverse.Again, there is a clear shortage from your fraudulent department and I am nor responsible and liable for this shortage and because of that you should compensate me for that shortage, although you are the only payment processor that caused me such huge loss.I know that I should indemnify payza from any losses associated with the use of my Payza account, but if you have a shortage you have to announce that, I shouldn't be responsible for the source of funds and also your lagged system, I delivered the product to the buyer on time so you have to take this in your account, not only to care about the losses that may affect payza, you should also care about your customers and their business, you should also protect us.Because of your shortage you should restore all reversed funds to my account again, I hope you can understand my bad situation and also my reputation that has been affected badly because of payza, you caused me a huge loss in money and clients.Also I want to know the opinion of Revdex.com in my claim if it is possible In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Hi [redacted] , Thanks for contacting usMy name is Alexander and I'm writing on behalf of Payza's customer satisfaction team.We've heard the claims regarding your withdrawals and the funds not appearing on your credit cards' balancePlease accept my apologies forthe inconvenience this may cause youWhile the timeframe you were provided regarding the application of your funds by your card issuer initially was correct, we've recently been alerted to an issue that our processing partner for these transactions is experiencing.A blog post was published not long ago, so as to keep clients who have been affected up to date with the issueYou can read all about this at the following link: [redacted] Of course, we acknowledge that this doesn't resolve the matter in and of itself, but we'd like to assure you and the rest of the clients affected by the issue that your funds are not lost, they're temporarily displaced by a technical issue that is barring them from being applied to your card or returned to usOn the bright side, you'll be glad to know that we are working alongside our partners to resolve the issue and have the funds returned to their rightful owners.Being an online payment processor similar to [redacted] , it's important to remember that the online nature of our business means there is some possibility for technical issues to crop upMembers are alerted of this possibility and that of their indemnifying us in such circumstances in the User Agreement they consent to when opening their accountsYou will notice a clause related to this fact cited herewith:"[...] Payza makes reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards and check issuances are processed promptlyWe make no representations or warranties regarding the amount of time needed to complete transactions because our Service is largely dependent upon many factors outside of our control.Under no circumstances will we be liable for any lost profits, special, incidental or consequential damages arising out of or in connection to the Site, our Service or this Agreement[...]" Terms and conditions, Section ? "Liability--Our Liability" [redacted] As such, while we can sympathize with the inconvenience the issue has caused you and are working to resolve the matter for you as quickly as possible, our liability concerning any further damages entailing from this situation is relatively limitedPlease accept our apologies once more.We've received your tickets and would like to examine your case furtherIf you would be able to send us a copy of the statement for the card the funds were withdrawn to, from the date of completion up until the present, showing that the funds were not received, we'll be able to confirm what is the nature of the issue you're experiencingYou may submit the requested documentation in reply to the tickets you've already submitted.We look forward to hearing back from you shortly.Warm regards,AlexanderPayza.com

Good day [redacted] ***! We'd love to help you solve this case, but the email you have provided only leads to an account that has not sent or received anything for six yearsDo you have another Payza email address? Best regards,The Payza Team

Good afternoon, Your request to have the funds refunded to your credit card was processed, you should receive them shortlyWe hope you'll find this resolution satisfactory- The Payza Team

Hi [redacted] ,My name is Alexander and I'm contacting you on behalf of Payzas' Customer Satisfaction department.Unfortunately, due to the sensitive and in-depth nature of your accounts' status and the public nature of the Revdex.com, we will not be able to discuss this issue through this forumWe can advise you to continue consulting with our security team since we note that you have ongoing contact with themYou had mentioned that you were seeking information as to contacting our legal department, the best way we can advise you to do so, as well as to obtain any information regarding to other forms of contact appropriate to your circumstances, please write us at the following email address explaining your inquiry: [redacted] Otherwise, as regards the funds on hold in your account, it was explained in previous contacts that these funds were seized by the US department of justice due to some issues an unaffiliated partner of ours was experiencing at the timeConsequently, all of their assets have been frozen and the only way for the rightful owners (you and all other US members affected by this issue to collect their funds, is through the USDoJIn order to remain compliant with the DoJ and yet remain transparent with our members, we were forced to relinquish the funds that were processed through this partner, yet we still display in a separate section on members' balances the amount that is being held by the DoJ.If the DoJ is not replying to your emails just yet, we do note that they are dealing with these cases on an individual basis and that it may take some time for them to resolve each and every oneUnfortunately, as you might imagine, we have no authority over their operations and as such we cannot provide a time frame as to when your case will be handledThe only thing we can advise is to keep in contact with them in hopes that they will resolve the matter shortly.I hope this offers some clarification to your queries.Warm regards,AlexanderPayza.com

Hi there, According to our records, no complaints were filed with the Payza Resolution Center, so it was impossible for us to protect your order and have the seller refund youInstead, the chargeback you initiated pulled funds from us and incurred heavy financial penalties after we'd already enabled dealsCube to withdraw your funds, since we hadn't received any complaints from youThere were no efforts to contact even via ticket, live chat or even social media by you - all channels available for any user who wishes to get in touch with Payza - until this complaintA complaint that was open due to the suspension of your account, which is a consequence that is clearly explained in our User AgreementIf you still believe that you've been wronged and are willing to cooperate with us, please contact our Loss Prevention department, as the Revdex.com is not an adequate platform to resolve friendly fraud casesBest regards,The Payza Team

Hi [redacted] ,This is Alexander from PayzaWe appreciate your reply, however, we believe a few things need to be clarified.We have acknowledged the inconvenience and hardship that this situation has caused youContrary to your dogmatic condemnations of guilt, void of evidence, yet rife with vitriolic contempt, we've remained open to the possibility of an error on our side and have offered to compensate you for your loss, on the condition that you can produce proof that the problem originates with us and not your bank/issuer.At the very least, we have provided an extract of your transaction history showing that the funds were sent out within our business day time frameYour financial institution is obliged by law to keep detailed records of transactions, including their amount, the date they are applied to the account and the date they are received.One such credential is called the ARN, or Acquirer's Reference NumberThis number is produced when your transaction passes through the card scheme and is received by the acquiring institution, or your bank/issuerBelow, you'll find the reference number for both of your card withdrawalsWith these reference numbers, you'll be able to refer your bank to these transactions and obtain not only the date your funds were applied, but the date they were received from us:ARN for [redacted] : [redacted] ARN for [redacted] : [redacted] We have asked you to prove that your bank did not apply any hold to your funds, as every financial institution is obliged to do for these transactions as an industry standard, but rather that we sent the funds later than we said we did and that they were applied to your balance immediatelyAnd yet, despite the fact that most people with legitimate claim to do so would jump at the possibility to reclaim $300+ that they believe they were unjustly charged, you have produced little more than empty allegations and slighting remarksIf Payza has caused you so much trouble, all we ask is that you show us when and how, so that we can make it betterIt is our firm belief that this is the whole purpose of the Revdex.coms' platform: you bring up a grievance that you believe may have been overlooked and together we try to mediate some type of solutionIf you want to throw accusations around, there are plenty of forums that specialize in this, but then you already profess knowledge of these, so I won't bore you with the detailsIf you'd like our assistance, then we plead for your cooperation.So, yes, if you'd like, you can tell people that a card withdrawal takes at least a weekWe do too: as mentioned earlier, your account gives an estimate of 4-business days (or, about a week) for the transaction to be completedWe also advise our customers that their institution may hold these funds for an additional 2-business days, as was evidenced in the messages you received for both your transactions, which we cited in our first correspondence.Once again, we'd really appreciate your cooperation in the matterIf you've found out after the fact that what we've been saying was true all along, we won't hold it against you, everyone makes mistakes (as we've readily admitted) but we will ask that you please stop making accusations to the effect that we don't want to help youIf we didn't, you wouldn't be reading this nowBut if you have **ANY [redacted] proof to lend some legitimacy to your claims, we've literally given you advice on how to get compensation out of our pockets for these fees, (which is what we believe you opened this complaint for initially), please send your proof through to our support center and I will personally ensure that it is handled properly.Feel free to advise as many people as you want of whatever you like, but if you'll be using your correspondences with Payza, including this one, as proof that we lack in the areas of "customer support and fairness", the only thing you'll be giving the world evidence of is our commitment to help our customers (even when they don't seem to want any help!) and that we've have dealt with you kindly and fairly, despite a lack of reciprocation.We look forward to hearing back from youKind regards,AlexanderPayza.com

Revdex.com: 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] Hello [redacted] , Thanks for your responseHowever, if I being still an innocent person in this transaction have had to incur a loss due to the sender being a fraudster, I have a request to you to either choose to charge the sender (or take the necessary legal action against him and recover the funds that were taken from the source by him) and possibly make his account negative (charge him $and refund me my money as that was my hard-earned money, else if this is not possible or is against the practises of Payza, I would like that the amount of $of the transaction ID: [redacted] which was reversed due to the consequences be sent back to the receiver s that's an amount I owed the receiverDue to this reversal, I don't want the receiver to lose his money due to a transaction that unfortunately I was involved in and my account being negative can have the said amount $be added making me owe Payza $It's a sincere request to you if you consider me an honest user as I have always been a sincere member of Payza and have had no issues earlierI earn $30-$per month and hence this amount is a huge loss for meIf it's possible, kindly let me knowI also hope to use Payza again for transactions in future as Payza has always been the best payment processor for meKindly hear me and help me [redacted] In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Hi ***,My name is [redacted] and I'm contacting you on behalf of Payzas' Customer Satisfaction team; I'd be glad to help you today.Firstly, allow me to apologize for the inconvenience this error has caused you and assure you of our commitment to deliver a satisfactory resolution to your situation.Concerning your initial deposits, I see that you've been in contact with one of our advisors who has confirmed that these have been applied to your accountUnderstandably then, the claim seems to apply to the missing duplicate transactionsThis advisor had requested you to contact your bank and have them recall/revoke these transactions as unauthorized, since this is the caseNormally, once you do so, your bank will also revoke the fees associated with unauthorized transactions.If you haven't done so as of yet, we strongly urge you to contact your financial institutions to have them take action as soon as possibleThis should ensure that the duplicate transactions and any penalties associated therewith are returned to the respective balances of your accounts.Otherwise, if your institutions return the transactions but still do not apply the fees, please contact us again by means of a ticket with a screenshot of the penalties and the amount returned so that we may forward this to our financial team who will see to compensate you accordingly, once you've followed the procedure outlined in this correspondence.Once more, please accept our humblest apologies for the inconvenience this may have causedI hope this resolves the situation; should you require further assistance, however, we'll gladly assist you further.Thanks for contacting usHave a great day!AlexanderCustomer Satisfaction TeamPayza.com

Revdex.com: 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: This has been going on for a month nowAfter my money was recovered and brought back to my Payza account I was told that I needed to delete the bank account to which it was sent and to re enter it to ensure that there were no errorsSince then I have had nothing but problems trying to validate the account again which should not have needed to be deleted in the first placeI have gotten nothing but a run around and it's ridiculous for me to have to do this much work when it was an error on their partAs far as I am concerned the only way this can get resolved is for them to send me a cashiers check drawn on a U.Sbank for the money that is in my account and with no fees deductedWhen I have received and cashed or deposited said check I shall close my account with Payza and never deal with them againI admit I have been more than a little salty with themBut I have been dealing with this issue for almost a month now and as far as I am concerned they should be paying me for the time I have spent on this in addition to the dollars and some change that is sitting in my account because they won't validate my account correctlyIf needed I am preparing the support tickets to show that I haven't gotten any real solutions thus farJust scripted replies to my support ticketsNothing I haven't been trying to do over and over againThank you in advance for your help In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: 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, [redacted]

Revdex.com:At this time, my complaint, ID [redacted] regarding Payza has been resolved (By clicking "OK", your complaint will be closed as Resolved.) Sincerely, [redacted] ***

Revdex.com: 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: On 62014, an Adjustment - Debit was performed on my Payza acount, reference # [redacted] This Adjustment - Debit removed $5,USD from my account, leaving a -0- balance This wasdone without my consent, without my knowledge, and was not due to any action, inaction, request, or fault of mine.Payza has explained that the United States Department of Justice has seized these funds (reasons unclear) and that I should contact the Department of justice to have my funds returned.As Payza is currently in operation as an ongoing concern (I still have an account with them), legally, the responsibility for these funds, as well as the return of these funds to me falls on Payza While in the care, custody, and control of my funds, Payza "lost" my $5,900+, due to no fault, action, or inaction of mine The reasons for this loss of my money may be interesting, but are of no legal meaning to me as an individual.Payza is responsible for the return of my funds, and I wish for my funds to be returned now.---------------------------------------------------------------------As a side note: when Payza was advised of my concerns directed to the Revdex.com, I received notification that "...we kindly ask that you review our User Agreement at [redacted] andremove any official complaints from 3rd party websitesIf you are found to be in breach of this legal contract certain penalties may be applied...." This refers to section Activities NotAllowed the following is stipulated:"Any defamatory, trade libelous, unlawfully threatening or harassing statements or informationFurthermore, anything that causes us to lose or become liable for, in whole or in part, the services of our sponsoringbanks, Internet Service Providers or other suppliers is not allowedIf you use or attempt to use the Service for purposes other than sending and receiving payments and managing your account, includingbut not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of the Service, your account will be terminated and you will be subject to damages and otherpenalties, including criminal prosecution if necessary."Counsel has reviewed this communication and found it to be in his opinion factual, and not in breach of any user agreement Sincerely, [redacted] ***

Hi [redacted] ,My name is Alexander and I'm contacting you on behalf of Payzas' Customer Satisfaction TeamI'd be glad to help you out today.As you're aware, your account was suspended for the forceful initiation of a reversal from your card issuer, also known as a chargebackThis is a violation of our User Agreement and entails the suspension of obth accounts implied in the reversalShould you suspect any iunauthorized transaction, we humbly request that you use any of the methods we put at your disposal through our resolutions department and account security teamYou can report any suspected compromised activity and our team will look into itIf our team is able to conclude that it is in fact fraud, we will return the funds at no cost to yourself.As it stands, this course has caused penalties to be applied to your accountI've contacted our card processing team who has since applied the fees to your account and reactivated it, as per your consentmentWe apologize for the delaysIn the future, you may wish to refrain from sending multiple tickets on the same topicDoing so causes your ticket to lose any priority it may have accrued up until that point.I hope I've been able to clarify any issues you may have been experiencingThanks again for writing us, it's been our pleasure to assist you today.Warm regards, AlexanderPayza.com

Hello [redacted] ,Thank you for contacting usMy name is Alexander and I'm writing on behalf of Payzas' Customer Satisfaction teamI'd be glad to assist you today.Although we have recently experienced a surge in business levels that has delayed our processing times for certain types of transactions, we find your assessment of our business to be unfair, especially considering that this is your first transaction with us in over a yearIt should also be known that your funds were not held for days, they were returned to you days after you sent themYou should see these funds in the balance of your [redacted] accountWe've attached a screenshot of your balances for your conveniencePayments to merchants, such as the transfer you made with Indacoin, or sending funds to other users are still processed immediatelyThese are internal transactions that are moved from one e-wallet to another within our own system, and as such require no reviewWhen a review is required is when funds enter or exit our system, either through depositing or withdrawingAs you'd mentioned in your ticket, you had sent these funds to Indacoin with the intent of purchasing Bitcoin from themIn order for them to transfer the funds from one currency to another and from our platform to theirs, they must withdraw the funds, which in turn will require that we review the transaction.For the record, this transaction would, in fact, constitute an exchangeAn exchange is defined as the sale of one currency in *exchange [redacted] for anotherIn your case, you were selling the $USD associated with [redacted] in exchange for a certain amount of Bitcoin with IndacoinLet it be known that exchanges in themselves are not forbidden by Payza; there are a number of exchangers that are authorized to work with Payza.The reason for the reversal of your transaction is that the funds originated with your credit cardFunds that originate with credit cards cannot be sent to exchangers, because this effectively constitutes a cash advanceA cash advance can be defined as the liquidation of funds from the balance of a credit card (cashing out a certain amount from the balance of your credit card)By depositing the funds from your credit card and purchasing another currency, you are effectively initiating a cash advance through an unauthorized medium.Our user agreement sets out explicitly that such actions are not permittedPlease consider the following clauses of our User Agreement:Section 7.2.: Activities Not Allowed [ [redacted] ***" [...] The following activities are also not allowed through or in relation to Payza:•Money laundering•Infringing on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy•Violating any law, statute, ordinance, contract or regulation, including but not limited to those governing financial services, consumer protection, unfair competition, anti-discrimination or advertising•Submitting altered verification documents•Being misleading, or inaccurate in respect to [redacted] or any other User•Any activity similar to or consisting of giving yourself a cash advance from your credit card or bank account, factoring or helping others to do so ??? [...]"Section 9.1.: Activities Resulting In Account Limitation and Termination [ [redacted] ***" [...] [redacted] reserves the right to limit account access or withdrawals and the right to terminate this Agreement with no prior notice for any of the following:•Reporting unauthorized or unusual credit card or bank account use to your issuing bank, including but not limited to chargebacks•Abusing the reversal process by a Buyer through their bank•Consistently failing to follow the Resolutions process before filing a complaint with their issuing bank•Initiating a reversal by a Buyer through their issuing bank without first following the Resolutions process•Initiating transactions such as cash advances or assisting cash advances ??? [...]"We've attached a copy of your transaction activity for your convenience, so as to allow you to verify the facts set out above in relation with our user agreement.Funds from credit cards can be used for purchases, but not for exchangesIf you ever need to collect the funds you had deposited by credit card, you can always request that they be withdrawn back to the card they came fromYou may also wish to know that we offer Bitcoin withdrawals ourselves, but you may still use Indacoin for these transactions should you wish to do so.I hope I've been able to clarify these misunderstandingsIf you have any other questions, please feel free to reply and we will gladly assist you.Warm regards,AlexanderCustomer Satisfaction TeamPayza.com