Capital Bankcard

Hi ***,Capital Bankcard has never promised to buy out your lease with *** *** SystemsI would suggest further investigating this with the agent that sold you this account. Please note we refunded the initial amount that you requested in this complaint as a courtesy and will not be refunding anything beyond that.Best regards,

As we previously stated, we have a senior member of our research team reviewing this customer's transaction and statement history and will be reaching out to the customer to review upon completion of the researchIn the event a discrepancy is found we will absolutely be refunding any money owed back to the customerWe understand the customer not wanting to mark this complaint resolved until we have reviewed all the transaction history with them

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
I attached May statementIf you see statement, you can see every Saturday transaction is not processed.My merchant ID is ** ** ** ** *** *** ** ** ** *** ***Sales rep name is *** ***His phone number is *** *** ***He never get the phone after I asked this problem
Regards,
*** ***

I do apologized it has taking so longi will get an answer to you by end of business day

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
This is not what you would find *** *** promised me, if you go pull your recorded conversations from May 13th (those where only recorded for your protection evedence not the customer's?)when I called Capital Bankcard & spoke with a *** and then also *** *** who authorized the return of equipment to them, who sent us a return label to send the leased equipment back to them; promising to assume or buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”, which we used & returned the Equipment as they instructed.However Capital Bankcard failed to buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”Therefore “*** *** *** ***(Lessor)” has continued to draft our checking Account for the $per month ever sinceAnd we have sent them numerous notices via fax, & email asking Capital Bankcard to keep their promise and assume; buy out our lease which *** & *** *** promised they would.Capital Bankcard holds the equipment (at *** *** *** *** *** *** ** *** in a box with a *** tracking #*** on it, picked up here at *** *** *** *** ** *** June 1st) *** *** *** *** has charged *** *** *** $per month since the 1st of June for equipment we don't even have.I do sincerely thank Capital Bankcard for that refund check #*** for $for that first charge *** *** *** ***charged us on June 1st 20154-25-*** negotiated a pay off balance with *** *** of $2,000.00, which we paid in full. So I simply want what Capital Bankcard promised a full refund of the $2,000.00 Until then I must continue to post the following about them as my duty to warn any and all who want to know; It has become apparent that "*** ***" is an UNLAWFUL entity designed to defraud it's lessee merchants*** *** obviously employed a fraudulent, con artist to acquire these "Non Cancelable Leases" which she promised (verbally) could be assumed, or bought out by Capital Bankcard, whom she claimed to represent as well, should Capital Bankcard default in any way.See the evidence for yourself; obviously these two mega companies have co conspired to bate & switch their customers to UNLAWFULLY DEFRAUD us.I pray every potential merchant of theirs gets the opportunity to see this evidence & steer clear these bandits who have allied with the ENEMY who only want to STEEL, KILL, & DESTROY!
Regards,
*** ***

7-1-I signed paperwork for "*** ***" a smooth talking sales lady for "*** *** *** ***" AKA "*** *** ***"; to whom I had faxed our previous credit card processing statements to, for review.*** declared I had been scammed into paying high rates for processing our customers credit card payments, of which she promised to retrieve $of those fraudulent charges by our previous credit card processor; which she did! Thank her very much, she kept her word that time which increased my confidence in her immediately.She also promised in the a written contract to place us into a “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”But if Capital Bankcard broke our contract of (“Interchange Plus” pricing @ .30% + $per Credit or Debit Card Transaction, & +$per Pin Debit Card Transaction) I could still cancel the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***by simply filing a request of release with Capital Bankcard; who would then have to assume the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”.May 13th I called Capital Bankcard & spoke with a *** and then also *** *** who authorized the return of equipment to them, who sent us a return label to send the leased equipment back to them; promising to assume or buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”, which we used & returned the Equipment as they instructed.Had they not promised this I would not have switched back to EVO!However Capital Bankcard failed to buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”Therefore “*** *** *** ***(Lessor)” has continued to draft our checking Account for the $per month ever sinceAnd we have sent them numerous notices via fax, & email asking Capital Bankcard to keep their promise and assume; buy out our lease which *** & *** *** promised they would.Capital Bankcard holds the equipment (at *** *** *** *** *** *** ** *** in a box with a *** tracking #*** on it, picked up here at *** *** *** *** ** *** June 1st) *** *** *** *** has charged *** *** *** $per month since the 1st of June for equipment we don't even have.I do sincerely thank Capital Bankcard for that refund check #*** for $for that first charge *** *** *** ***charged us on June 1st 20154-25-*** negotiated a pay off balance with *** *** of $2,000.00, which we paid in full.4-2-2016It has become apparent that "*** ***" is an UNLAWFUL entity designed to defraud it's lessee merchants*** *** obviously employed a fraudulent, con artist to acquire these "Non Cancelable Leases" which she promised (verbally) could be assumed, or bought out by Capital Bankcard, whom she claimed to represent as well, should Capital Bankcard default in any way.See the evidence for yourself; obviously these two mega companies have co conspired to bate & switch their customers to UNLAWFULLY DEFRAUD us.I pray every potential merchant of theirs gets the opportunity to see this evidence & steer clear these bandits who have allied with the ENEMY who only want to STEEL, KILL, & DESTROY!

This customer is correct regarding the explanation the sales agent gave in regards to deposits being delayed if there is no credit transaction runThis is due, admittedly, to a technical limitation with the backend processor's platformIf only debit card transactions are run, with no
credit transactions, the system will not automatically batch out and the funding to the customer will be delayed by a dayWhen this occurs the processor has to force close the batch in order to fund the merchantAs this customer explained, they rarely run credit transactionsThe sales agent, as well as our support, has advised that if the customer wants the funding to occur without a force close they would have to run a credit transaction, it could be for as little as centThat being said, the customer has received all funding, we've been researching these transactions since the complaint occurredA senior member of our research team is reaching out to this customer in an attempt to further clarify and review funding history with them

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below
I remind you of the promise to buy out our “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)” because Capital Bankcard broke our contract by switching us into a “Tiered Program” (without notice to us or our consent) running our Qualified Debit Cards @ .50%, Qualified Credit Cards @ 1.69%, Mid Qualified Credit Cards @ 2.49%, Non Qualified Credit Cards @ 2.99%Not “Interchange Plus” pricing @ .30% + $per Credit or Debit Card Transaction, & +$per Pin Debit Card Transaction; which is what our contract promised.You even sent us return labels to send the leased equipment back to you; promising to assume or buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”, which we used & returned the Equipment as you instructed with the first return label that you sent.However Capital Bankcard failed to buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $per month) with “*** *** *** ***(Lessor)”Therefore “*** *** *** ***(Lessor)” has continued to draft our checking Account for the $per month ever sinceAnd we have sent you numerous notices via fax, & email asking Capital Bankcard to keep your promise and assume our lease which *** & *** *** promised you would.Capital Bankcard holds the equipment (at *** *** *** *** *** *** ** *** in a box with a *** tracking #*** on it, picked up here at *** *** *** *** ** *** June 1st) *** *** *** *** has charged *** *** *** $per month since the 1st of June for equipment we don't even have.I do sincerely thank Capital Bankcard for that refund check #*** for $for that first charge *** *** *** ***charged us on June 1st 06/01/$Corporate ACH Lease Payment *** *** 06-15--$Capital Bankcard Paid with Check #*** by US Mail; Thanks! 07/01/$Corporate ACH Lease Payment *** *** 08/03/$Corporate ACH Lease Payment *** *** 09/01/$Corporate ACH Lease Payment *** *** 10/01/$Corporate ACH Lease Payment *** *** 11/02/$Corporate ACH Lease Payment *** *** 12/01/$Corporate ACH Lease Payment *** *** 01/04/$Corporate ACH Lease Payment *** *** 02/01/$Corporate ACH Lease Payment *** *** 02/02/-$Reverse Corporate ACH Debit PNC Stopped Payment 02/01/$Reverse Service Charge for Stopped Payment 04/25/$2,*** Paid the "Buy Out" of Lease agreement with *** *** Total $2,Unpaid Charges Capital Bank Card Promised to Pay 2-11- I hereby implore Capital Bankcard to retain your integrity by immediately sending another refund check for $2,to: *** *** *** *** *** ** *** Thank You for your Prompt Attention to this mater! Sincerely *** * *** ]
Regards,
*** ***

[This is the 3d time someone contacts me to tell me they'll be calling with a solution but has not followed up on that.]
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. Regards,
[redacted]

We apologize for the amount of time this issue has taken to resolve but due to the complexity and the involvement of a separate vendor it's taken a significant amount of coordination and research. Mr [redacted], a Sr member of the Capital Bankcard team whom the customer has already been in contact with,...

will be contacting the customer this morning and a refund is being issued to the customer minus the costs incurred to Capital Bankcard. It's important to note that fraud on ecommerce accounts is an issue that we take very seriously and we've continually worked with our 3rd party vendors to help customers protect themselves. The vendor [redacted] that the customer is using does has a fraud protection suite that the customer has been briefed on and has now enabled but this isn't something that Capital Bankcard has the ability to activate ourselves, it is the customer's responsibility to activate this feature.

To whom it may concern.[redacted] purchased a ring from our representative on April,2015 in [redacted],[redacted]. At the time of purchase, [redacted] knew the ring did not fit because it was to large. She ask if it could be sized and was told yes. She could take it to her own or an independent jeweler to...

be sized, but we could not size it at the venue. She bought the ring anyway. Several hours later she returned telling our representative that she could not find anyone at the venue to size the ring. She was told that she could take it to her jeweler or we could size it, but it would take 4 to 8 weeks. She chose to leave the ring with the representative of Bora Handcrafted Jewelry.[redacted] bought a sapphire silver ring. This ring had to have the stone removed, the band cut to size and retextured, as well as reoxidized. Then it had to cleaned and the stone reset in the setting. Bora Handcrafted Jewelry prides itself on quality craftsmanship, meaning doing a job well and right. As a result of Bora Handcrafted Jewelry's mission, the adjustments on this ring took the whole estimated time.At this time the ring has been shipped to [redacted].Bora Handcrafted Jewelry

[I received the following message on the 12th, no one has given me any details though. I'm surprised that you say you are still working on it. "All issues associated with Case #[redacted] - "Revdex.com Complaint" have been resolved and the case has been closed. Please call us at 1-888-[redacted] with any additional questions you may have. Thank you.Capital Bankcard Support]
Regards,
[redacted]

Hello,Our sincerest apologies for this inconvenience. Someone will be contacting you very shortly.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
May 13th 2015 I called Capital Bankcard & spoke with a [redacted] and then also [redacted] who authorized the return of equipment to them, who sent us a return label to send the leased equipment back to them; promising to assume or buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $84.44 per month) with “[redacted]. (Lessor)”, which we used & returned the Equipment as they instructed.Because Capital Bankcard broke our contract by switching us into a “Tiered Program” (without notice to us or our consent) running our Qualified Debit Cards @ .50%, Qualified Credit Cards @ 1.69%, Mid Qualified Credit Cards @ 2.49%, Non Qualified Credit Cards @ 2.99%. Not “Interchange Plus” pricing @ .30% + $.10 per Credit or Debit Card Transaction, & +$.07 per Pin Debit Card Transaction; which is what our contract promised.Yes you sent us 2 return labels to send the leased equipment back to you; promising to assume or buyout the “Non Cancel-able Equipment Finance Lease Agreement” (for $84.44 per month) with “[redacted]. (Lessor)”, which we used & returned the Equipment as you instructed with the first return label that you sent. Why do you not go back & pull those "recorded conversations"?Sincerely  [redacted] [redacted]

We're having another member of our team reach out and explain deposit times to the merchant, we can confirm this merchant has been fully funded for all transactions.

Finally have an answer, I will refund $215.00 back to merchant on Friday and force close his account.I am sorry that it has taking so long as we were waiting on the agent in question. The merchant will have his refund within 21 business days.

Hello, I will be calling you at 11 am EST today to further assist you.

Hi [redacted],   We have already covered the cost of your equipment. Please note the lease you have with [redacted] system is non-cancelable therefore with or without the equipment you will need to continue paying it. Capital Bankcard is not affiliated with [redacted] Systems and will not assume responsibility of your lease agreement with them; therefore we will not be giving you the $2,000.00 you are requesting.   Best regards,

Our sincerest apologies for this inconvenience. Please messageus your MID and the best number to contact you at and a member of our customercare team will reach out as soon as possible.