Boston Magician Christopher Bolter

Hi [redacted], Our banking team is currently in the process of helping you validate your bank account so that you may withdraw your funds correctly and avoid the problems you've encountered earlier. We're taking extra precautions this time, which is why some documents were requested. Payza returned...

your funds to your account and waived the fee when they did not reach your bank account and we will keep assisting you in this matter until your funds are where you want them to be. Best regards,The Payza Team

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 blame. I 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 service. I 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]

Hi [redacted],My name is Alexander and I'm contacting you on behalf of Payzas' Customer Satisfaction Team.I'm pleased to say that with your cooperation the funds have been located and applied to your Payza account, as of this morning. You may also wish to note, for future reference, that you had...

submitted your proof of deposit on Friday the [redacted] and that your funds were applied less than two business days later. As you might imagine, Payza has millions of customers, and it can be some time before we get back to any one case, but we still make an effort to process each one as quickly as possible.We also would like to inform you of the reason for the delays. As it turns out, your bank included extra information in the notes section asides the Deposit Code we instructed you to include. The deposit code is crucial for differentiating deposits from one another since clients funds are pooled in a common account. The Deposit Code allows us to automate this process and apply the funds quicker, but if the code isn't applied correctly, it results in us having to contact our partners, having them confirm the deposit.We certainly hope that you'll be a bit slower to assign blame if such a situation occurs again in the future, and that you'll allow us a more reasonable time frame when we say we are working diligently to resolve your issues. As for our part, we're glad that we and our partners were able to assist you in a speedy and efficient manner, all things considered.If you have any other questions, we'd be glad to lend a hand. Thanks again for writing us, we hope you have a great day!Sincerely,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]
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]

Hi [redacted]  Thanks for your reply, This is [redacted] from Payza again following up on your response. If you haven't had the chance to follow the steps outlined in our previous correspondence to confirm that your account is, in fact, verified, I've attached a screen shot from our records of your account confirming that your account is verified. As for the issues with your transactions, the reason for all of your BitCoin transactions not working is because you cancelled every one of them, as evidenced by the second screens shot, this time of your transaction history. Finally, we're not sure what credit card transactions are being referred to, because you've not yet added a credit card to your Payza account, which is something of a prerequisite to using said card. To add a card to your account, please follow the steps below: •1 Log into your Payza account•2 Click the "Wallet" tab in the navigation menu to the left•3 Click the "Credit Card" option in the drop-down menu•4 Click the "Add Card" button that will appear in the upper right portion of the page The page will then guide you through the remaining steps to adding and validating your card. If you're having trouble adding and validating your card, please specify what problem you're having exactly so that we might assist you further. I hope I've been able to help resolve these issues. Please have a great rest of your day! Warm regards, [redacted]Payza.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 was anticipating an email from your fraud department at least after two or three transactions not after 8 transactions !!, it is a clear shortage from you to send me a mail saying that the funds source is fraudulent after almost receiving 8 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]

Hello [redacted], Thank you for your response and clarification of your claim.From consulting your account, it is clear that the returns were initiated after you'd only received the last payment from your client. We apologize for the confusion. Nonetheless, you had mentioned that you were anticipating an email from our fraud department. Please find cited below the email sent by our Fraud Department."Hello ,Thank you for your reply.We apologize for the delay in responding to your e-mail. We are not stating "[redacted]" is a fraudulent account. [redacted] had unknowingly come into possession of fraudulent funds and is not directly responsible for the fraudulent funds transfer. Again, the transactions you received from [redacted] were reversed because the funds derived from a fraudulent source. We apologize for any inconvenience this may have caused. Thank you for your understanding.  Fraud Prevention Team[redacted]As mentioned by the Fraud Analyst, the reason was plainly set out to be that your client had unknowingly come in possession of fraudulent funds. Although we agree that you aren't liable for the source of the funds, as mentioned previously, you've also agreed to indemnify Payza from any losses associated with the use of your Payza account. Unfortunately, we aren't under obligation to disclose our fraud prevention and detection methods, but it should go without saying that transaction security is rarely a cut-and-dry affair. Often times, such transactions go through several hands before their source is detected whilst our team actively. Regardless, once their illegitimate activity is detected, it is our responsibility to act according to our findings. While we can understand the duress this puts you under, it isn't any more fair to allow the parties who were defrauded to be left to their devices when we've come to have knowledge of their situation. Sadly, even financial institutions, including banks and credit issuers, will not guarantee funds obtained through illegitimate means. Although they may allow you to transact with the funds as a gesture of good faith, should they detect any kind of suspicious activity, they are pront to respond much like we have.While we can understand your stance and are sad for your loss and your take on the subject, we could only hope that you would come to understand how this affects other users and Payza alike.Thank you for expressing your opinions, if you have any other questions, we'd be glad to clarify the matters for you.Cordially,AlexanderPayza Customer Satisfaction[redacted]

Hi [redacted],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 account. Understandably then, the claim seems to apply to the missing duplicate transactions. This advisor had requested you to contact your bank and have them recall/revoke these transactions as unauthorized, since this is the case. Normally, 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 possible. This 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 caused. I hope this resolves the situation; should you require further assistance, however, we'll gladly assist you further.Thanks for contacting us. Have 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 find that this resolution is not satisfactory to me and the matter has not been resolved, as response is slow. I 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 [redacted], 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 situation. As an online payment processor, Payza employs various financial institutions to execute...

your requests. Your 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 policies. Failing 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 transactions. Our 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 transactions. If 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 them. Our agreements with our partners forbid retractions of such transactions. We hope you achieve your desired outcome and wish you the best in your future endeavors.Warm regards,AlexanderPayza.com

Hi [redacted],My name is Alexander and I'm contacting you on behalf of Payza's Customer Satisfaction department.I'd be glad to assist you with this issue today.Please accept our humblest aplogies for the inconvenience this may have caused. From consulting your account, we note that your withdrawals have...

been completed. This means that the funds have been sent to the coordinates you've provided us and should appear on your card shortly thereafter.Seeing as such transactions can take sometime to be processed by your card issuer (depending on various circumstances) and that your withdrawals were completed on the [redacted] and [redacted] of May, we estimate that the funds should be appearing on your card balance within 5 days of the completion of your withdrawals.I see that one of our advisors has replied to your ticket and advised you to contact us again if your issuer isn't able to locate the funds. Please pardon our neglect; it would seem the agent failed to specify what we would require in such an event.Considering the sensitive nature of the information required and the public aspects of the Revdex.com, in the event that your funds do not figure on your card's balance within the time frame specified earlier, please reply back to the ticket from the agent attaching a copy of your card's statement from the date of completion up to the present, indicating that the funds were not applied to your balance.Please make sure that your name, address, the last four digits of the card number and the dates of the transactions and statement are visible. Thereupon, we will consult our partners to initiate an inquiry as to the outcome of the transaction and any further steps, if required.We look forward to this issue being resolved as swiftly as possible. Kind regards,

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'm still waiting on word from the person they claim to have sent it to on whether or not they did actually return the money. I can't speak on that, but I have my doubts.When I first signed up for Payza two years ago, they had decent customer service, and seemed to be better than [redacted], which is my reason for going with them. But, they went from company to scam pretty quick. May I present exhibit A: [redacted]Everybody who has something to say about Payza complains that they've had their money stolen. And there are websites like that all over the internet. This one isn't as unanimous, but it also has older replies, so: [redacted]And if you think anyone believes at a rep claiming a supervisor is "not available" isn't the same as refusing me the right to speak with a supervisor, you've got another thing coming. I have friends in call centres. I know how this stuff works. I know what this means. Your lies don't work on me.You don't really think the way I acted was "abusive" or "disproportionate" or a "violation of basic human rights." The way I reacted was the way a reasonable person reacts to getting jerked around by reps who go out of their way to avoid providing customer service. As for the allegations of, "slander," I'd like to thank you for lurking my [redacted] profile. Much appreciated. But, remember. It's only slander if it's not true.  As far as having my account terminated, after finding out who you are, the pleasure is all mine. I'm rejecting your solution, however, because you're still kind of a jerk. 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Hello [redacted],Thank you for contacting us. My name is Alexander and I'm writing on behalf of Payzas' Customer Satisfaction team. I'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 year. It should also be known that your funds were not held for 17 days, they were returned to you 5 days after you sent them. You should see these funds in the balance of your [redacted] account. We've attached a screenshot of your balances for your convenience. Payments to merchants, such as the transfer you made with Indacoin, or sending funds to other users are still processed immediately. These are internal transactions that are moved from one e-wallet to another within our own system, and as such require no review. When a review is required is when funds enter or exit our system, either through depositing or withdrawing. As you'd mentioned in your ticket, you had sent these funds to Indacoin with the intent of purchasing Bitcoin from them. In 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 exchange. An exchange is defined as the sale of one currency in *exchange* for another. In your case, you were selling the $48 USD associated with [redacted] in exchange for a certain amount of Bitcoin with Indacoin. Let 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 card. Funds that originate with credit cards cannot be sent to exchangers, because this effectively constitutes a cash advance. A 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 permitted. Please 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 false advertising•Submitting altered verification documents•Being misleading, false 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 exchanges. If 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 from. You 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 misunderstandings. If you have any other questions, please feel free to reply and we will gladly assist you.Warm regards,AlexanderCustomer Satisfaction TeamPayza.com

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.Thanks to Revdex.com for getting the business to reach out, as getting a response through any of their platform is pretty difficult.Thanks to Alexander for taking time to give a detailed explanation, even though this experience has left a bad taste in my mouth and I am sceptical using this service. I would continue using Payza only if I can reach a human to relate to and air my views, I won't want to wait months or having to go through Revdex.com to get a response.Thanks again Revdex.com for helping me, get them to reach out.
Sincerely,
[redacted]

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

Hi [redacted],My name is Alexander and I'm writing on behalf of Payzas' Customer Satisfaction team. Firstly, allow me to extend our condolences for your loss; we understand that this must be a difficult time for you without any additional grief. I'd also like to apologize if you felt you were...

dealt with unprofessionally by the advisors you spoke with. Payza employs a comprehensive improvement process to ensure our team is always at its' best, and this includes finding our weak points and coaching the advisor in question to ensure the situation has a better outcome in the future. For this reason, I'd gone over your correspondences with us on the 3 dates you cite in your complaint, to determine which advisor had misinformed you and schedule additional training for them. Unfortunately, I was unable to locate a correspondence where an advisor of ours had told you that a withdrawal to your card would take 1-2 business days at any point in time. Naturally, this would constitute grounds for a coaching, since the time frame in your Payza account clearly indicates an estimate of 4-5 business days for the transaction to be completed from the time you initiate the request. We stand to emphasize that none of the time frames provided for the completion of a transaction are intended as promises, but that they are estimates at best. This is made clear in our user agreement:"[...] Payza makes reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards and check issuances are processed promptly. We 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. [...]" (From "[redacted], consulted July [redacted] 2015 at 9:20 AM, EST)However, I'm pleased to say that your request was, in fact, processed in the specified time frame [[redacted] -- Request Date: 7/**/2015 1:59:57 PM / Completion Date: 7/**/2015 7:19:37 AM]. This has also been the case for the previous withdrawal to your card; despite taking a bit longer, it was processed within the 4-5 business day time frame [[redacted] -- Request Date: 6/*/2015 12:44:58 PM / Completion Date: 6/**/2015 7:45:34 AM].Nonetheless, if you have some type of reference to the contact where you were provided the aforementioned time frame, such as the agents' name or the contact ID (Example format: ABC-123-45678) for the chat or email wherein you received this information, we would greatly appreciate this, both to substantiate your claim and to allow us to coach the offending advisor and ensure this situation does not occur in the future.It should also be noted that the time frames mentioned relate solely to Payzas' obligations to your funds. In other words, once the transaction has been completed, this means that the funds have effectively been sent from our accounts to your card. We DO advise members however that *their issuer* may have an additional delay in processing the transaction and admitting the funds to their balance. A common reason for this is to perform standard security checks, as financial institutions are likely to do.Each time your card withdrawals were completed, you received an email similar to the following:"Hi [redacted] Choate,Your credit card withdrawal of $[insert sum] USD is now complete. It may take 2 to 4 business days before the funds are available on your credit card." Considering the previous, it should be clear that Payza has upheld its' estimates as regards to your withdrawals and that these were processed in a timely fashion. The delays that you mention seem to originate with your bank and their policies, although Payza had alerted you of this possibility on at least two separate occasions. The fact of the matter seems to be that your bank had charged you overdraft fees, when they already had the funds on hand, but couldn't apply them to your balance because of their (understandably mandatory) security measures. We sympathize with your frustration, but are decidedly inclined to urge you to contact your bank about your overdraft fees, on the grounds that:• Payza has upheld its' Service Level Agreement estimates by processing your transactions within our standard time frames• Your bank seems to have had the funds on hand but still charged you the overdraft fees (This may be sanctioned by their policies)• In opening your Payza account, you've agreed to indemnify Payza from any fees a third party may charge you in relation to this service.We appreciate your contacting us and wish you the best in resolving the matter with your financial institution. Should you have any further Payza related queries in the future, don't hesitate to contact us again.Sincerely,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 response. However, 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 $165 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 $115 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 receiver. Due 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 $115 be added making me owe Payza $145.24. 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 earlier. I earn $30-$50 per month and hence this amount is a huge loss for me. If it's possible, kindly let me know. I also hope to use Payza again for transactions in future as Payza has always been the best payment processor for me. Kindly hear me and help me.        
[redacted]
[redacted]
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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 years. Do you have another Payza email address?  Best regards,The Payza Team

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]

Hello [redacted], According to our Banking Team, you should be able to withdraw your funds normally now. Sadly, your request to obtain a cashier's check can't be granted. Hopefully, everything will now work as intended and you'll be able to recuperate your funds without any further troubles. Best regards,The Payza Team