CardWorks Servicing

Review: A company I worked for had a business credit card account with [redacted] Bank Corp for 12 years. After 12 years of never reporting this information on my credit report, [redacted] reported the account as a charge-off on my personal credit report in 3/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and [redacted] and their collection agency (CARDWORKS) indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. [redacted] claims they have reported the information to [redacted] correctly yet [redacted] has not updated and will not provide any response.Desired Settlement: This erroneous credit reporting must be resolved.

Business

Response:

Re: [redacted], Your complaint ID [redacted] Account ending in [redacted]Thank you for your recent correspondence regarding the above-referenced individual. We have notified all three consumer reporting agenciesto delete the [redacted] tradeline from [redacted]’s credit bureau reports.Thank you for the opportunity to respond. Sincerely,[redacted]

Consumer

Response:

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,

Review: We cancelled a credit card processing account 6 months ago. The company failed to cancel the account charging us $5.00 per month and $100.00 compliance fee. When this was brought to their attention they cancelled the account but are refusing to credit the fees.Desired Settlement: I want the $100 compliance fee credited back to me. The account should have been cancelled when originally requested in August of 2013.

Business

Response:

Dear [redacted]:

Thank you for your

recent correspondence regarding the above-referenced account.

[redacted] is the owner

of two businesses: [redacted] and [redacted]. The merchant’s business name referenced in the

complaint, [redacted], is still processing with CardWorks. The other account to which [redacted] refers,

[redacted], was closed in January when we received his formal

cancellation request. We received no

cancellation notification prior to January ** 2014. The account was shut down and, because [redacted] had a second business ([redacted]), we did not impose the customary $350.00

early termination fee on the [redacted] account.

The merchant was

properly billed $10.00 per month in accordance with his contract, until we

received his cancellation notice in January. The $89.99 PCI Compliance Fee, which is

assessed twice yearly, was billed in December and is not pro-rated. Therefore, no refund for the compliance fee is

due. We have demonstrated good faith by closing the Main Street account

without the contractual $350.00 early termination fee, and look forward to

continuing to process for [redacted].

We will consider this

matter resolved unless otherwise notified.

Thank you for the opportunity to respond.

Sincerely,

Review: [redacted] CREDIT CARDACCOUNT WAS TRANSFER TO [redacted] ACQUISITION WITH A BALANCE OF 875.00 ON AS DEC ** 2010, I BEEN MAKING MY PAYMENT EVERY MONTH AUTOMATIC PAYMENT AND NOW I HAVE A BALANCE OF 1715.60 AS OF JULY ** 2015.1-[redacted] CORP ACT AS A CREDIT CARD COMPANY BUT I JUST SPOKE TO HIS REP. AMADEO HE MENTION IT IS A COLLECTION AGENCY.2- [redacted] IS CHARGING OVER LIMITE FEE 39.00+ BUT THEY ARE NOT A CREDIT CARD COMPANY HOW THEY CAN CHARGE OVERLIMIT FEE.3-I TRYED TOREMOVE THOSE FEES BUT THE SUPERVISOR DID NOT WANT TO NEGOCIATE ANY REDUCTION.Desired Settlement: 1-[redacted] must apply my payments fairly. 2-Remove all illegal chargers3-sopt company of misleading consumers by acting as a credit card company when I did not even received my credit cards when they transferred the account to them (mainstreet) and mention that they are a collection agency.4-DONT SENT THIS ACCOUNT TO A COLLECTION AGENCY,

Business

Response:

[redacted] Dear [redacted],Thank you for your recent correspondence regarding theabove-referenced individual.[redacted] Corp (“Main Street”) acquiredthis account as a performing [redacted] Business Credit Card in December of2010. Pursuant to the terms and conditions that applied to this account,Main Street, through its servicer CardWorks, sent monthly statements andproperly applied and accounted for all payments and credits. There is acurrent balance due; however, because Main Street’s policy is to satisfy itscustomers when possible, Main Street will agree to permanently close thisaccount and it will reflect a -0- balance. If you need any furtherinformation please contact our customer service at ###-###-####. Thank you for the opportunity to respond. Sincerely,Kathy P[redacted] Corp.Customer Service

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[redacted] needs to refund of $1234.00 this amount of the extra chargers that main street did to my account, I made my total payments paid $2109.00 the original balance was only 875.50 when [redacted] purchase the debt from [redacted]. I need a credit back for 1234.00Thank you [redacted]

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

Sincerely,

Review: We thought that the cancellation process was automatic. After 3 months of getting charged a $25/month fee I was told that we needed to fax in a cancellation notice. I then did that asking for a refund for unused months. In return I was charged an additional $350.00 fee. I called questioning that, thinking it might be for the terminal which I was told was free because of my other businesses. However they stated it was for an early termination fee which was never discussed. This company was extremely unprofessional with my other business which caused me to switch this business. There was never any discussion, talk or hint that there was a 3 year contract. This business was in for 2 years and never once had any issues.Desired Settlement: Refund of $350.00 plus $75.00

Business

Response:

Dear [redacted]:

Thank you for your

recent correspondence regarding the above-referenced individual.

The following three

documents are enclosed herein:

1. The

contract signed by [redacted] testifying that he has received, read, and

understood the Merchant Agreement and agreed to be bound by the terms of that

Agreement

2. A

copy of the Terms and Conditions of the Merchant Agreement

3. The

cancellation notice that [redacted] signed and faxed to us on June **, 2013

Start date: June **,

2011

Date of Last

Transaction: March **, 2013

Cancellation request received:

June **, 2013

Please be advised that

the $350.00 fee is an early cancellation fee that [redacted] agreed to pay if

the Agreement was canceled before the three-year term ending June **, 2014. (See Terms and Conditions section 4.04.) In addition, the $25.00 minimum discount fee

(disclosed in Schedule A) was billed for the three months in which no

transaction activity occurred. It is

therefore unclear why [redacted] is demanding a refund of that fee and why he

is claiming that he was not aware that the contract term was for a three-year

period.

These fees were

correctly billed in accordance with the terms and conditions of the account, as

stated in the enclosed documents, and cannot be refunded as requested. We will consider this matter resolved, and we

thank you for the opportunity to respond.

Review: RE: Acct:[redacted]After finally paying this account in full July 2014. This company verbally refuses to have any information on this account and also refuses to update my credit file on this matter. They say they have no information on this account or any information on previous statements or records. Also no records of my name or payments made.Desired Settlement: This company has always act corrupt when it comes to asking for information about this account and about their practices. Will gladly pursue legal advice from previous communications and practices.

Business

Response:

RE: [redacted], Your File #[redacted]

Dear

Thank you for your recent correspondence regarding the

above-referenced individual.

It is unclear why [redacted] believes we have no

previous statements for this account. We are attaching a copy of his July

2014 statement confirming that his final payment of $1790.39 was received and

credited to his account, bringing the balance to zero. In addition, all three

CRAs (credit reporting agencies) have been notified that this account has been

paid in full.

Thank you for the opportunity to respond.

Sincerely,

Customer Service

Review: I would STAY AWAY from this company. Great rates BUT with HUGE hidden fees. I wanted out of my contract and was going to pay the minimum monthly fee of 5.00 that my contract states for not reaching the minimum charges. The company raised my minimum monthly rate to 25.00 when I discussed not wanting to charge any further. WITHOUT MY CONSENT regardless of our signed contract. They also gave me less then 30 days written notice in the mail for such changes (I'm finding out if that is legal as well). I'm currently writing my Senator.Their PCI Compliance Fee is 180.00 annually (highest in the industry). I should have done my homework beforehand.Tried to produce a paper within the contract that was not signed by myself between two papers that stated my sales were 10,000.00 a month. I NEVER WOULD STATE THAT AMOUNT. IT WAS AN OUTRIGHT LYE... A paper that was never sent to or seen by myself. Discussing this with my Senator as well.Companies need to be held accountable for their contracts. My option was to stay and pay my 5.00 monthly or leave.The cost of leaving the contract is 350.00. I will pay to leave, after trying to be tricked.One last thing the PCI compliance fee is charged 90.00 every 6 months..it was charged last month and they are refusing to refund the other 5 months.Desired Settlement: I want to leave this company by paying the cancellation fee that is 350.00. I want a refund on my PCI Compliance charges.I have absolutely no trust in this company and do not feel comfortable with them handling my money.

Business

Response:

RE: [redacted], Complaint #[redacted]

CardWorks Acquiring Account Ending In [redacted]

Dear Ms. [redacted]:

Thank you for your recent correspondence regarding the above-referenced individual.

Please be advised that, as of the date of this response, Mr. [redacted] has neither canceled his contract nor received a rate increase, as he is claiming. While one of our representatives did recently have a conversation with the complainant during which several hypothetical scenarios were discussed (e.g. what fees would take effect should early termination occur, what minimum monthly rates could change based on the customer’s current projected volumes, etc.), it was our understanding that the discussion that took place was for purposes of information gathering. Since no cancellation or price increase has actually taken place, this complaint has no basis in fact.

Mr. [redacted] correctly stated that no written 30-day notice regarding a price change was given to him, but this is because there has in fact, been no price increase. Should his monthly minimum be increased due to his current volumes or any other reason, proper advance notification will be provided. No early termination fee was charged, because Mr. [redacted] has not canceled his contract. If/when Mr. [redacted] decides to cancel his contract before the end of its term, the early termination fee will be applied in accordance with the conditions of the contract. No refund is due for the PCI compliance fee, as this fee is clearly disclosed, is charged to all merchants without exception twice-yearly, is not pro-rated, and was properly billed. Attached please find a copy of the terms and conditions that Mr. [redacted] agreed to be bound by when signing the merchant agreement. We would, in particular, like to refer him to section 507A for clarification of our rates and fees.

In summary, CardWorks has complied with all terms and conditions of the contract signed by Mr. [redacted], which is still in force. The July billing statement confirms that no price increase has been put in place and no early termination fee was applied. We therefore respectfully request that this complaint be closed as resolved. Thank you for the opportunity to respond.

Sincerely,

CardWorks Acquiring

Customer Service

Consumer

Response:

[redacted]:

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:

Here are the copies of the email correspondence with CardWorks Acquiring. Please let me know if there is anything else I can provide to show the lack of concern for the consumer they provide services to.

Its unfortunate that [redacted] didn't look into the email correspondences. As, she is so unaware of what is going on within her departments and the case opened up against CardWorks Acquiring.

As I stated in my emails to CardWorks, I am cancelling my service with them and paying the 350.00 fee for early cancellation. I have already received confirmation of my cancellation via email.

I however am still asking for the refund in PCI Compliance fee of 89.99.

This is what I feel I am entitled to after the mistreatment from CardWorks Acquiring. I am paying for a 6 month service and not receiving that service.

Thank you

Business

Response:

Attn: [redacted], Mediator

RE: [redacted], Complaint #[redacted]

CardWorks Acquiring Account Ending In [redacted]

Dear Ms. [redacted]:

Thank you for your recent follow-up correspondence regarding the above-referenced individual.

While we are saddened by Mr. [redacted]’ decision to end his business relationship with CardWorks Acquiring, we are unable to refund the $89.99 PCI Compliance fee as he requested. As previously explained, the fee was correctly assessed, is not pro-rated, and is non-refundable. As for the complainant’s other allegations, we stand by our previous response. Neither of the two actions in his original complaint (contract cancellation and rate increase) took effect in August. No rate changes were put into effect and the merchant continued to process transactions throughout the month of August. And finally, his email cancellation confirmation which gave us authorization to terminate the contract and impose the early termination fee was received on September *, 2013. Backup documentation (August statement showing all merchant processing for the entire month of August, and a screen shot showing the merchants rates and fees) is attached.

While the customer may be upset about not receiving a refund for the PCI Compliance fee, it was, in fact, correctly charged. In addition, the remainder of his complaint is based on a hypothetical rate increase that never actually occurred (i.e. there was no rate change for August, and none can take place in September as he will not be processing any further transactions with us). We therefore ask that the Revdex.com close this complaint as resolved.

Thank you for the opportunity to respond.

Sincerely,

CardWorks Acquiring

Customer Service

Review: the auto dialer for this company keeps calling my cell phone. I don't know who this company is and have never had a contract with this company.Desired Settlement: I want this company and any/all of its representatives to cease and desist all attempted contact with me.

Business

Response:

[redacted]Dear [redacted]:Thank you for your recent correspondence

regarding the above-referenced individual.After conducting a thorough search of our

systems, including our auto-dialers, we were unable to find a matching record

for [redacted] or any calls placed to the phone number listed on this complaint.

We searched by name, address, and the telephone number he provided. We therefore ask that [redacted] please provide

us with additional information, such as the telephone number showing on his

Caller ID and the number of his cell phone receiving the calls, so that we may further

research the matter. It would also be helpful if [redacted] could advise if the

caller left a message.Upon receipt of this additional information,

we will be happy to conduct another search in the hopes of resolving this complaint.

Thank you for the opportunity to respond.Sincerely,Kathy P[redacted]Customer Service

Review: I moved to a new location & bought inventory from old store. They had an ancient register & credit card machine. I needed to update all inventory in my computer in order to switch over. Their rep from Cardworks (processing sales receipts) came in for me to sign a contract. I specifically told him that I used a different bank for years for personal & business and only needed his service temporarily until I could switch out the machines. I asked if I could sign-on for month by month. He now states he never told me I could, but if not, I would not have signed. My mistake, of course, is that I signed. He was very deceitful in his way of business. In November, I called the company explaining I no longer needed their services & they told me how & where to send back the equipment. Never did he call to explain or send notice, but in December I noticed a withdrawal of $3,998.43! I immediately called & he called me back stating that breach of contract before the three years enables them to tally up the amount of business they feel they would lose, and charge me. They never billed me or sent me anything - they just took it right out of my account! I have never heard of a business being able to do this. I explained that I never even received a copy of the contract & had to email the company directly. The contract is very vague, and never did he show me any other merchant agreement. This is a very deceitful company. My merchant bank has never heard of such a penalty and said most would have an early termination fee as high as $400.00.

I needed to get my money returned to me and he said the only way to do it was to sign back on with Cardworks & finish out the contract. He (Christopher F[redacted]) then stated I wouldn't receive my funds back for a few months after that, and only a portion. Then in another 6 months they would return more and then the final balance. I felt my only alternative was to go back to Cardworks & that was months ago & still not received anything back.

When contacting them they sent me this reply: ( I never saw or received any merchant agreement or was told this & I have sent this all on to my lawyer as well.)

Article IV: section 4.01. This Agreement will be effective once Bank accepts it and, unless otherwise terminated, will continue for three years with automatic two-year renewals thereafter until Merchant provides written notice of non-renewal given not less than 90 days before the end of the then current term.

Article IV: section 4.04. The parties agree that if this Agreement is terminated before completion of the initial term or any renewal term of this Agreement for any reason other than a material uncured breach by Bank.Desired Settlement: Refund & termination of contract. (also $190.00 for bounced employee check because he held deposits)

If there is not a way to get out of a contract, they could charge exorbitant fees without retaliation. This makes no sense. I would like to receive all of my funds back immediately, and blow this bogus contract apart, and terminate any association with this company. I also would like you to look into how they do business and how sleazy sales personnel take advantage. It is not a way to do business. I am also filing with Consumer Affairs as well as warning everyone against using their services.

Business

Response:

Revdex.com[redacted]Attn: [redacted] RE: [redacted], Complaint ID# [redacted]CardWorks Acquiring Account Ending In [redacted] Dear [redacted]:Thankyou for your recent correspondence regarding the above-referenced individual.Wewould like to assure [redacted] that the early termination fee was assessed inaccordance with the terms and conditions she agreed to when signing theAgreement, and does not represent unfair billing practices. Section 4.04 of theTerms and Conditions (which appear both on the contract itself, and also on ourcompany website) clearly explain that when a contract is terminated, an earlytermination fee would be assessed, and would be based on the greater of a fixeddollar amount fee or the merchant’s volume representations set forth onSchedule A. Inaddition, 50% of the early termination fee ($1,999.21) was already refunded on[redacted]’s statement of 7/**/15 (the billing cycle following herreinstatement). The second half of the fee is scheduled to be refunded,assuming she continues processing with CardWorks, after 6 months, in January2016. It is therefore unclear why the complainant believes she would need towait for a refund to be provided in numerous installments over long periods oftime, as this is not the way we do business. Asfar as the Reserve Account that was established, which unfortunately resultedin one of her checks being returned unpaid, we ask that [redacted] refer tosection 3.05 of the Agreement, which fully explains the funding of a ReserveAccount. Because [redacted] rejects occurred on this merchant account in bothNovember 2014 and December 2014, CardWorks established a $500 Reserve Accountto ensure that contractual fees would be readily available in a securityaccount going forward. This is a standard practice in the industry, andwas also fully disclosed in the Agreement.CardWorkshas been providing merchants with payment processing services for nearly 30years and our goal is to help merchants build their businesses by offeringquality payment processing solutions at competitive rates. Our Agreements areclearly written and we encourage our clients to ask questions if there isanything that they believe is unclear. While we are happy to continueprocessing for this merchant at the terms outlined in the Agreement, should [redacted] choose to cancel her contract and use the services of another provider,she is certainly able to do so. In good faith, we will not request a refund of theportion of the termination fee that was already refunded. We apologize if therewas any misunderstanding that may have occurred between our sales rep and [redacted] and we genuinely hope that our professional relationship can remainintact so as to continue to benefit both of our businesses. Thankyou for the opportunity to respond.Sincerely, Russell B[redacted]CardWorks Acquiring

Review: Cancelled services in March to which they are still taking monthly service fees directly out of our account. When trying to speak with someone about it immediately in March 2013 was told there was nothing they could do about the mistake as far as reversing the fees. When the monthly debits kept continuing including a $99 pci compliance fee for a service we no longer use, we tried contacting managementwho took over 4 weeks to get back to us. When I finally got a hold of him again he informed me that he would only be able to refund 2 of the 7 months worth of fees. Or in other words about $20 of the $170 that was owed back to us.Desired Settlement: Every monthly fee since March 2013 credited back to our account.

Business

Response:

Dear [redacted]:

Thank you for your

recent correspondence regarding the above-referenced account.

We have confirmed receipt of LI Aesthetic Center’s notice of

cancellation, which was received in April. A credit for merchant services for the four

months following the cancellation notice (May, June, July and August) at $10.00

per month is due this merchant, along with a credit for the $89.99 for the PCI compliance

fee that was billed, for a total credit due of $129.99. It is unclear why the merchant is requesting a

refund for $170.00, since they were provided with, and were correctly billed

for, merchant services through the month of April.

Our records show that we have already issued a $20.00 credit covering the

monthly fees for July and August, leaving a total outstanding credit due of

$109.99. Allow us to assure you that a

credit in the amount of $109.99 was issued to this account on Tuesday,

September **, and will appear on the merchant’s next statement. We apologize for any inconvenience that the

delayed credit issuance may have caused, and in an attempt to resolve this

complaint in good faith, we will waive the customary $350.00 early termination

fee that is normally charged when an agreement is canceled pre-term.

We appreciate the opportunity to resolve this complaint and will consider

this matter closed unless notified otherwise.

Sincerely,

Review: In September 2013 I filed a dispute with MINI CARD SERVICES regarding a charge on my credit card for Garrett Integrated Automotive Group (GIAC) for $1293.00. My case number is [redacted]. After receiving a letter from Card Services, notifying me of credit to my account, I called Card Services on Oct **,2013 at 1:50 pm PST and spoke with [redacted]. She told me the case was closed and resolved in my favor and that Card Services concurred with my findings and GIAC had not responded during the required time period. On January *, 2014 I received a letter from Card Services stating that the Dispute Resolution Dept. re-billed my account based on a new response from GIAC (which did not address original dispute). Card Services asked me to send them a letter and they would reopen my dispute. The letter was sent January **, 2014. I subsequently called Card Services and was told that my dispute was forwarded to Customer Relations on Jan **, 2014 they will reopen the case and respond "within 30 days." After 45 days without response, I called Card Services and after approx. one hour on hold they told me there was nothing they could do about the charge. In summary I am requesting that Mini Card Services credit my account for $1293 for the following reasons: 1. Was told case was closed and resolved in my favor months ago 2. The response from GIAC did not address my dispute and 3. Card Services did not respond within 30 days as promised when case was reopened. MINI Card Services has a record of all my calls and discussion including the 30 days mentioned above. As of today I still have not received a formal response regarding my re-opened dispute. It has been five months since my original dispute.Desired Settlement: I would like Mini Card Services to credit my account for $1293.00. Over the last five months the customer service has been horrible and they have repeatedly failed to follow through on their own time commitments. I have detailed records of all my calls to Card Services, dates and times and who I spoke with. I also have copies of all my written correspondence.

Business

Response:

Our records indicate that [redacted]’ original purchase of

$1,293.00 at Garrett Integrated Automotive Group (GIAC) occurred on November

**,2012. [redacted] filed a dispute on August *, 2013 claiming that GIAC

refused to return the software product to stock after [redacted] had taken the

software to a third party (APR), who attempted to install their software on [redacted]’ vehicle. After supplying MINI Card Services with requested additional

information, a provisional credit of $1,293.00 was applied to [redacted]’

account on October **, 2013. On October **, [redacted] called MINI Card

Services and spoke with dispute representative [redacted]. The conversation

between [redacted] and [redacted] have been reviewed. [redacted] advised

[redacted]’ that his account had been given a provisional credit. She

explained that that [redacted]’ dispute was considered closed unless the

merchant responded to the chargeback within 45 days. MINI Card Services

received a chargeback response from GIAC on December *, 2013, stating that they

have a return policy of 30 days. [redacted] had purchased the software over 8

months earlier. Per GIAC’s warranty and disclaimer, the software product

purchased by [redacted] worked as promised. GIAC’s warranty “does not cover

failure of the product due to misuse, faulty installation or failure of or

incompatibility with related product”. GIAC also explained the product is fully

returnable to stock by an Audi dealership or GIAC product retailer if the

original software has not been tampered with by a third party. MINI Card

Services re-billed [redacted]’ account on January *, 2014 in the amount of

$1,293.00. Any further recourse with this dispute will need to be handled

between [redacted] and the merchant, as BMW Bank of North America has no

further recourse with this dispute.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The version of events described by Mini Card Services is not entirely accurate. First, when I spoke with [redacted] on October ** she told me that "case was was closed and resolved in my favor" and the "vendor [GIAC] had not responded during the required time period." Second, when I re spoke with [redacted] on January [redacted] she offered to reopen the case and send to Customer Relations. I was told that I would get a response "within 30 days." After 45 days without a response I called Mini Card Services and was told that there was nothing they could do. They wouldn't answer why they did not respond within their 30 day window. The first week of March, I received a letter from Mini Card Services stating that they "contacted GIAC ...but have been unable to obtain a solution that you find satisfactory." At no point did Mini Card Services offer or suggest any solution to this issue.

Not only do I feel that I have been treated unfairly by Mini Card Services, but in my opinion they did not help with my dispute. I have been given conflicting information. The time from the original dispute to their so called final decision was almost seven months! I have been a good customer for many years and pay my credit card bills on time and should not have received such poor treatment. In addition, I have owned many BMWs and one Mini automobile since 1977 and have had car loans with this company.

I plan to discontinue my Mini credit card and never buy or lease another Mini or BMW in the future.

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

Sincerely,