Capital Processing Network

Review: I have been continuously receiving solicitation phone calls from this company for several months. I receive calls on both my personal cell phone and business phone informing me that my business qualifies for "low risk review." Each time, I have politely informed the caller that I am satisfied with my current provider and to remove me from the call list. Each time, I have been promised that my number has been removed from the list. Yet, I continue to receive calls. This is HARASSMENT and if not resolved, I will be forced to seek involvement of law enforcement.Desired Settlement: Please stop contacting me.

Business

Response:

Hi [redacted], I'm very sorry for any inconvenience you were caused by our sales team. Unfortunately, some of our sales agents can be a little ambitious at times and I want to assure you they mean well. I have requested that your business be removed from any lists and that you are not contacted again in future. It can take a few days for the update to take place, so thank you in advance for your patience if you receive another call in the meantime - I've let our sales management team know as well just in case they can keep an eye out.Once again, please accept our sincere apologies for any inconvenience we unintentionally caused, and thank you for contacting us. Sincerely, TabindaManager, Customer Loyalty

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

On 11/16/15 at 3;40 PM, this company called our business trying to get us to use their services. He was very high pressure and when I refused his service several times, he would over talk me and not allow me to talk. I told him we had customers several times while he continued to do his HARD SELL. I finally had to just hang up on him to attend to my customers. How this company can have an A ratting is hard to understand. Rude, hard selling high pressure.

Review: I am the office manager for [redacted] and unfortunately one of my many duties is to deal with sales people of all kinds. This company called 3 times in the space of 2 days under the pretense of wanting to look over our current credit card processing rates to see if we were getting the lowest price. In addition to that, they also wanted to send a "sales" person out to discuss this, but insisted they were not trying to sell or sign us up for anything. I CLEARLY explained to the guy and about 30 minutes later to his "Supervisor" that we were not interested in their services. They tried to be pushy and aggressive but that doesn't work on me. I explained to both of them that I know the game very well. We were taken advantage of by several merchant companies in the past and my boss lost a lot of money. I did my homework and learned how the merchant "game" and "sales techniques" work. These companies' sales practices should be outlawed, but unfortunately for the small business owners, their is no entity that regulates these companies from lying to and robbing you blind. I eventually cleared up the mess my boss got himself into and we are now with a GREAT and Honorable company. Something I explained to both reps on all 3 calls. I am filing this complaint in the hopes that if enough people complain, something will be done about this and every other sleazy merchant company that prays on nave, uneducated (regarding merchant processing) business owners. It was an expensive lesson for my boss to learn, and I hope by filing this complaint I can spare others from these credit merchant whores. NO MEANS NO!Desired Settlement: NO CONTACT WHATSOEVER BY PHONE, LETTER,EMAIL OR ANY OTHER FORM OF COMMUNICATION, FOR THE LIFE AND DURATION of CAPITAL PROCESSING NETWORK!

Business

Response:

We apologize for any inconvenience we may have caused and have removed your contact information from our calling database.

I can not believe this company is Revdex.com accredited. I have received numerous calls from a person named "[redacted]". I have explained that we do not accept solicitation calls or telemarketing calls. She was rude and said she HAD to speak directly to the owner. Although I am not the owner, I manage this facility and make decisions re: vendors, etc. Needless to say, I would NEVER consider doing business with this company. Terrible business practice. - google the telephone number ###-###-#### and see for yourself how many complaints are listed.

BOTHERSOME PHONE CALLS from [redacted] phoenix AZ

Same story as other complaints: woman called my personal phone claiming that I had been selected based on my application, none of which is true. I asked her not to call again I have no interest, today same woman identifying herself as [redacted], reminding me that she had bothered before on my way out, and when I told her I am not interested this time either and demanded to know how did she get my number she lied, and replied"before you go all [redacted] on me" rudely asked to let her explain her company. Again , really I'm not interested asked her to take me off the list do not call me, I repeated it three times the third I recorded it, I am going to report this company as a possible connection to a scam.

CTN or Capital Processing Network calls my place of business contantly with their misleading sales pitch. They claim they are my processor, and just putting me in a low risk catergory. They are using the name of a processor I had years ago. I tell them not to call and that I need my phone line available to take customer calls and they refuse to hang up. When I hang up, they call back immediately. I ask them over and over not to ever call me. If I want to process with them, I will do my own research and call them.

Called my business and acted as if he had inside info regarding my merchant service account. First talked to an employee and rep asked to speak with whoever handles billing as if there was a billing issue. I got on phone and caller proceeded to explain that I had reached a "wholesale level" of purchasing and could eliminate the middle man with higher fees on my merchant acct. First I clarified that he was not anyone w/ my merchant account company - then sd. I alrdy had great rates w/ co. I deal with- caller persisted and sd. he could save me money not only on rates but svc fees. I told him that I already negotiated those fees too and that I was not interested, and to have a nice day. We hung up cordially, but caller was persistant and averted info which underlyingly misrepresents himself - My employee also thought there was a serious billing matter/issue based on what caller said and was therefore able to speak w/ owner. Very Sneaky Tactics...

Review: Our small business was promised a reduction in credit card fees when we signed up with CPN. Here is an example of what has actually happened.When I received the CPN bill this week, dated 7/15/15 I was astounded. The CPN "plan summary amount" by itself of $53.27 compares to an earlier "plan summary amount" from our previous provider back in Sept. of 2013, which charged us $63.32. The additional fees from our earlier provider were an additional $33.87, including machine rental, for a total of $97.19 for the month.Comparatively, CPN's additional fees were an astounding $257.34 which did not include the machine rental of $31.79, nor the American Express charge of $127.44.THIS BRINGS OUR CPN+FDGL+AE TOTAL FOR THE MONTH TO $469.84, A WHOPPING 6% OF SALES FOR THE MONTH!CPN is deceitful, and has engaged in unfair business practices. I will be sending this letter along to the Revdex.com and any on-line rating source I can find. I am that furious.More than anything, this whole debacle has cost me and my bookkeeper countless hours of time, time that could be much better spent elsewhere.Desired Settlement: I would like a refund of all credit card processing fees for what were termed VISA NON_QUALIFIED and that were above what was promised and were withdrawn from our business checking account.I would also like to terminate our agreement/contract with CPNUSA without penalty for doing so because of their fraudulent business practices.

Business

Response:

Dear Ms. [redacted], I'm very sorry to receive your complaint and to hear that you're having issues with your processing fees and rates, especially since it seems no one has called us about this situation previously. Normally, if a merchant raises any concerns about their pricing, our Client Care and Loyalty teams are well-equipped to assist and ensure that pricing is in line with what was promised. From time to time, like in any business, misunderstanding or unintentional errors can occur; we would greatly appreciate the opportunity to resolve this issue for you.Having said that, I unfortunately did not see your name listed on the account in an ownership capacity nor as an authorized person. We would be happy to reach out today to the account owner to assist with these concerns, or to work with you once we have obtained the authorization needed for security reasons.If you'd prefer to reach out to us to work on this, please do not hesitate to contact us by calling ###-###-####; we are available 9am - 6pm EST, Monday to Friday. Please remember that the account owner must be available for verification and authorization in this case.Thank you for your patience and understanding while we attempt to address your concerns; please rest assured we will do our best to ensure you are happy with the outcome.Sincerely,[redacted]Manager, Loyalty

Review: Capital Processing Network continues to debit our bank account monthly for services that were cancelled. [redacted] of Capital claims that they have never received cancellation forms for two merchant processing accounts that were sent in January of 2012 and I am waiting for a return call from [redacted]'s supervisor . These notifications of cancellation, supplied by Capital when we requested the cancellation, were faxed and mailed January 25, 2012 and phone calls from two employees trying to retain our business after receiving the forms ([redacted] and [redacted]) confirmed the receipt.Desired Settlement: The immediate reversal of the unauthorized bank debits and no more additional unauthorized charges to our bank account.

Business

Response:

Thank you for your inquiry regarding [redacted], doing business as [redacted].

Ms. [redacted] contacted our office on March 19, 2014 to advise that she was still being billed when she believed her two merchant accounts should have been canceled more than two years ago. Ms. [redacted] requested a refund in the amount of $3,682.42, which includes a monthly billing of a $12.00 online reporting/paper statement fee per merchant account, a $25.00 minimum processing fee per merchant account, a $30.00 [redacted] non-compliance fee per merchant account and a $4.50 regulatory compliance fee per merchant account, for over two years.

Per the Terms and Conditions (see exhibit “A”) that Ms. [redacted] acknowledged receipt of by signing the Merchant Application (see exhibit “B”) on February 25, 2008, it is the merchant’s sole responsibility to report any error or discrepancies detected, in writing, within ninety (90) days following the end of the monthly

reporting period. After such period merchant will be deemed to have accepted the monthly reports as delivered.

When Ms. [redacted] was told by a customer service representative that she wasn’t sure a refund would be possible, she requested to speak to the representative’s supervisor by the next day. That same day at approximately 3:20PM local time, our customer service manager called Ms. [redacted] to discuss the accounts. Ms. [redacted] was then told by our customer service manager that she would review the accounts and call her back by Friday, March 21, 2014. On March 21, 2014 our customer service manager called Ms. [redacted] but she was not available, so a message was left requesting a return call. Ms. [redacted] called our customer service manager back on March 24, 2014 and was advised that [redacted] and CPN will offer a total refund of $858.00, representing six (6) months of fees per merchant account, which is twice the amount we are obligated to provide per the terms and conditions. Ms. [redacted] did not feel that was sufficient and advised she would continue to pursue the matter.

We believe we have completely and adequately addressed this matter and due to its contractual nature are requesting that it be dismissed as beyond purview.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The contract referenced in Capital Processing Network's response was cancelled and no longer valid as of February 25, 2012. As stated in the initial complaint, it was cancelled per the Terms and Conditions of that contract and the 90 day "error" clause does not apply. This matter is not contractual since there is no current contract between [redacted]. and Capital Processing Network.

On March 19th, after being told by the customer service representative that they could not refund the unauthorized charges, I asked that a supervisor call me. [redacted], the customer service manager, called and said she had received my cancellation in January 2012 but there must have been some misunderstanding and she would check with the corporate office about a refund and call me back. [redacted] called back on the 21st and said she could only refund the past three months of funds taken from our bank account and then another three months. I told her that this was not acceptable and to have her supervisor call me. As of today, this supervisor has still not called.

After receiving this response from Capital Processing Network, it is now clear to me that this wasn't simply a mistake and they are not willing to resolve this in a fair manner. An ethical business would have made an attempt to correct its error. I believe there is no reason that Capital Processing Network should profit from taking unauthorized funds from former customer's bank accounts.

Regards,

Business

Response:

On January 26, 2012 our customer service manager contacted Ms. [redacted] to discuss a potential pricing adjustment to her merchant account, but had to leave a message on her voicemail at approximately 9:17AM. Ms. [redacted] called her back at approximately 10:31AM to advise that she received quotes with lower rates. Our customer service manager encouraged Ms. [redacted] to send the quotes to her for review and that she would find the best one and see about matching or even beating that offer. Ms. [redacted] said she would be sending in the quotes, but at that point just did not want her current contract with us to auto-renew. The only difference between an account renewing and not renewing is the applicability of the early termination fee, and that was waived for Ms. [redacted]. We did exactly what was requested of us at the time.

Ms. [redacted] also had the opportunity and responsibility to review her monthly charges along the way and follow up with us on the matter, and she did not.

We believe this matter should be closed as resolved.

Review: Captial called me and asked for our President, my husband, who will not field sales calls of any nature. I told her I was the CEO and she could direct her questions to me. She became indignant and rude and said she could only speak to [redacted] regarding our account with them. We do not have one. She lied and was rude and really ruined my morning. I asked her to take us off this list and she replied "I do not know of what list you are speaking of mamm". So I hung up on her. She called back twice. She said she would "Just call [redacted] on his cell phone" She should not have his cell phone as we do not give it out. This company has a lot of nerve.Desired Settlement: Stay away from our business. Could not be angrier.

Business

Response:

Dear [redacted],I'm very sorry to hear of the poor experience you had with our sales team. I assure you that we take these matters very seriously and will be conducting an internal investigation to ensure this kind of thing does not happen again.I've also contacted our sales management to ensure that your business is removed from any marketing lists, so please rest assured that you will not be hearing from us in future.Once again, please accept our sincerest apologies for the poor treatment you received, and thank you for making us aware of this situation so that we can take the necessary steps to correct it going forward.Sincerely,[redacted]

I am the Office Manager with [redacted]. in Mauldin, SC. Over the last several weeks, I have received calls from a "[redacted]" (heavy Indian accent) with Capital Processing Network. As is often the case with businesess, particularly small ones, I receive calls at least weekly from companies attempting to offer their services and this certainly seemed no different. As I found in other complaints on Revdex.com for this company, this rep claimed he was not trying to sell anything but make sure I was getting the lowest possible rate. We are primarily a new construction company and do not process many credit cards and those that we do process we do through the company's bank account. When I let [redacted] know we use our bank for this, he seemed to claim that he was affiliated with the bank. When I questioned this, his response was: "Yeah, [redacted]". NOT our bank.

I have dismissed this man multiple times and asked him not to call to no avail. On one occasion he did speak with my boss, the VP of the company, who got the same run-around with claims that nothing was being sold, etc. When he realized the truth, he hung up on [redacted]. [redacted] then called right back, claiming that the two of them "got off on the wrong foot". My boss came in to my office and told me to hang up on the guy, which I did. Yet in subsequent calls he has claimed that he spoke with my boss and that he's interested in scheduling a rep to visit the office.

I also find it interesting that, considering the same guy always calls with a local number showing on the caller ID, he asked that I call him on his "direct" line which I found out is Phoenix, AZ. We are based in SC.

I feel that this [redacted] character is misrepresenting the work his company does, who he's affiliated with, not to mention where he is based in an attempt to appear like a local business. I have already asked him not to call multiple times, but he seems to dismiss me considering I am not the president or VP of the company and continues to call.

I request that my company's number be removed from their calling list and to no longer be contacted in any fashion.

[redacted] with CPN was rude, threatening, and unprofessional to my 67 year old business partner. He yelled and screamed in our business just because she had decided to not go with their service. They came to us seeking our business and came back with rates that seemed almost too good to be true. We called our current credit card processors and they were able to match their rates. [redacted] came in to move forward and we let him know that they were able to match. Thats when things made a turn for the worst. He started yelling and screaming how we wasted his time, how we were rude. It was outrageous behavior!! We still had customers in the building, it was very embarrassing. We told him that this needed to stop and we were sorry if he felt we wasted his time, but he came looking for our business and it just didn't seem like a good fit. Obviously by his reaction there are some real problems. Doing further research we found many scam reports, customer service issues, reviews of lies and other terrible actions from this company. He was so aggressive my poor business partner being a little older was shaking from his actions and screaming. There is no excuse for what he did. I hope no one else gets duped by these thieves and cons.

Review: I signed an agreement with the company for them to handle my credit card services. In short, the fees section of the contract I signed was misleading. There was a reference in the fine print, that was illegible on my copy, referring to a downloadable document that allegedly contained information on additional fees incorporated by reference and not included on the fees disclosure section of the contract provided. No mention was made of these additional fees by the two sales representatives that sold me the plan.Desired Settlement: I want a refund of the fees collected deceptively/fraudulently. I only had the service for a couple of weeks before I got the first bill and realized I had been deceived or for all practical purposes defrauded.

The company management should be compelled to provide full disclosure to avoid future problems.

Business

Response:

Good afternoon [redacted], We are very sorry to hear you had a negative experience with our company and we appreciate the feedback you have provided. Though we can appreciate your decision to have the account closed, I would like to re-iterate that should you change your mind, we are more than open to reviewing your billing to get you as close as possible to what you were expecting. In order to resolve this amicably, we will be refunding you the fees that were billed to your account for a total of 32.29$. this amount will be deposited back into your bank account. Please do not hesitate to contact us should you have any further questions at [redacted] Sincerely, Amanda B.

Review: They've been calling our business phone number. We requested them to remove our phone number from their calling list, and they refused. He said he can't.Desired Settlement: Remove our phone number from their calling list.

Business

Response:

Dear [redacted],Please accept our sincerest apologies for any inconvenience that our sales department may have caused you. Our intention is never to be a nuisance, and we are certainly able to ensure that your business is not contacted again. We will ensure that the sales representative is coached on this process, and rest assured that we have removed your business from our database so no further calls are made to you.Sincerely,[redacted]

Review: Was called by this company and told that it was not a sales call, they wanted to set up appointment to have me switch my merchant service and get better rates. I told her that I was not interest and hung up. she called me back right away and I had a few choice words to say to her and hung up again. I got another call two days later asking why I don't want to save money? I thought that this wasn't a sales call? anyway I set up appointment and this kid came over to tell me all about how much I could be saving. I asked him some questions about his company and got contact information then told him that he needs to leave right away, "That I have no interest in switching". He was not very nice then, started yelling at me about how I just wasted his IMPORTANT time! Well now you know how I feel about being called all the time after I asked not to be called. I am signed on the "DO NOT CALL REGISTERY" so why do they still call me?Desired Settlement: To have the business closed and shutter before anyone else get taken for their money.

Business

Response:

Dear [redacted],I'm very sorry to hear of your experience with our sales team; we do our best to respect the DNC registry, however, mistakes do happen from time to time. I've personally ensured that your phone number is removed from our marketing lists, so you will not be receiving any further calls.Once again, please accept our sincerest apologies for any inconvenience, and thank you for providing valuable feedback on your experience.Sincerely,[redacted]

I am so happy that we made the switch when we did. All systems are working well and we have no problems.

Review: CPN Is a scam company who will lock you into contracts, then not allow you to cancel when the contracts expire.They billed two separate charges of $149 for updates to software (etc. ) which I did not receive. The company provides credit card processing services at a premium for small businesses. On 9/2 I was auto debited a $222.94 far exceeding the average monthly debit ($149 to be exact) when I called I found that this was for credit card updates and federal mandates for the following year and another $149 would be charged in the next billing cycle as well. I requested at that time to cancel my account. The associate would not let me cancel (even though I don't have a contract) and held me on the phone for nearly 3 hours. insisting that she would remind these costs if I stayed on as a customer. I demanded to speak to supervisory staff and was not allowed on multiple occasions. She insisted that they could do better and the only way that I could cancel is to receive a call from a sales associate within 48 hours. No one called, 2 weeks later I called back several times, hung up on, and not serviced. Finally on 9/25 I spoke to a woman who demanded the same practice and after 2 hours she finally let me cancel in writing. They still billed me the additional $149 in fees for the second term (again this is supposed to be fees for upcoming year) I was billed $218.94 on 10/2. then again, even though my account was cancelled I was billed service charges of $132.94. for a month I was not a customer at all. This company is a scam, they do not wish to help people and penalize them for watching statements and for calling. Each call is hours long, and filled with arguments and frustration. I don't believe I should have to pay this $298 in full for months I am not being serviced. Why is my company paying for months I am not provided services, and fees for future months that again, I am not being provided services.Desired Settlement: A refund of $149 (un warranted fee)+ $149 (un warranted fee) + 132.94 (service for months no longer a member) = $430.94

Business

Response:

Dear Mr. [redacted]As discussed and agreed on the phone November 24th, we have processed a refund of $367.94, taking into consideration that the closure of your account was not handled in a timely manner.Please accept our apologies for any inconvenience you experienced due to this issue; we hope you find this resolution satisfactory. Should you required any further assistance, please do not hesitate to contact our Client Care team.Sincerely, Tabinda T.Manager, Customer Loyalty

I received a call from them today, I asked the young woman what company she was calling from & she told me, then I asked what it was in reference to & when she said what it was I politely told her we are happy with our present company & are not interested in switching, at which point I hung up, not two seconds later the phone rang, it was her saying I didn't understand, she wasn't calling for what I thought, I just hung up, then she proceeded to blow my phone up for the next five mins, calling over & over again, it was so bad I'd just hit the on button on the phone & not say anything & at one point I heard her say 'I know you are there & not saying anything so I'll just keep calling you back' I run a very busy locksmith business & I don't need my phone lines to be tied up like that, I found her to be extremely rude & unprofessional.

Review: We have instructed Capitol Processing Network, LLC to please stop all telemarketing calls. They have failed to remove our organizations telephone numbers from their system and/or call sheets. The daily calls from their telemarketing service or department are a distraction to our organizations daily operations. We have also filed complaints to the FCC for their actions and unwillingness to remove our telephone numbers from their calling system.Desired Settlement: Please cease and desist all unwanted and illegal calls to our organization.

Business

Response:

Dear Mr. [redacted],I'm very sorry to hear that you had such a negative experience with our sales department. I have ensured that your contact information is removed from our database so you should not receive anymore calls. I apologize that you were called repeatedly, a request was put in place already but can sometimes take a few days to be completed.Please accept our sincerest apologies for any inconvenience this may have caused you and your business, it's certainly not our intention to inconvenience you in any way. I know that some of our agents can be tenacious but, as you can understand, they are just doing their job. We'll make sure to remind the whole team to more considerate and respectful in future, and once again, I apologize for the poor impression we gave you.Thank you for bringing this to our attention.Sincerely,[redacted]Manager of Customer LoyaltyWeb: www.cpnusa.comCall

This business has people call you and claim they aren't trying to sell you anything. They want to upgrade your account to a better one. Only you don't have an account with them. They want to know how much processing you do a month. But they "aren't trying to sell you anything". My number is on the Do Not Call list. Yet they call. But, because they "aren't selling anything" they claim to not be telemarketers. They are trying to circumvent the law in order to sell you services you didn't ask for or want. Normally I just hang up and block the number. Only this time before I could block the number the rep called back. She assured me this was NOT a sales call. She "wasn't selling anything". The do not call list did not apply to her because she isn't a "telemarketer". As far as I'm concerned any business that conducts business in this aggressive and manipulative manner has no integrity and cannot be trusted. Stay far away.