Central Payment

Initial Business Response / [redacted] (1000, 8, 2015/05/01) */ This client is using the Revdex.com service with no causeThe customer contacted our office in April to let us know she was switching processors for lower ratesOur staff has offered assistance and has made the customer aware of the our Lifetime Price Match guarantee so that she still receive the same if not better rates than what she was proposedInstead of taking this offer a complaint was placed with the Revdex.comOur offer is on the table and we will be more than glad to assist if the customer permitsThis client entered a month agreement, which will be complete on 8/9/This client agreed to the terms and conditions of the agreement and further acknowledge and signed the attached addendum regarding the retraction of her previous processor's cancellation fee in the even the client does not honor the month term

Initial Business Response / [redacted] (1000, 5, 2014/10/13) */ This client contacted Central Payment to request the cancellation instructionsThe instructions were provided as the client requestedCentral Payment has yet to receive the written cancellation notice as advised to the client on a couple of occasionsCentral Payment has closed this merchant account Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/10/19) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 11, 2015/06/11) */ [redacted] contacted CPAY requesting the closure of the account, no physical or electronic message was received from the customer to have the account closedOur records indicate that the customer sent the machine back to CPAY towards the end of MayWe are investigating the claims presented by the customer through this complaintIn the meantime we have closed the account as requested in sign of good faith Initial Consumer Rebuttal / [redacted] (3000, 13, 2015/06/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Our first attempt at returning the machine was through FedEx on 4/15/2015, a month earlier than stated aboveThis cost us $and was routed back to usTherefore, we had to send it back again on 5/19/which cost us another $Additionally, we asked for the account to be closed (which we had never asked to be opened) in March, and as recently as the beginning of June we were still receiving charges Final Consumer Response / [redacted] (3000, 18, 2015/07/16) */ We just received another statement from their collections deptdated 7/6/still claiming we oweThey claim we may be reported to Experian, a credit bureau, and Match, where our account may be suspended from current and future processingThis is all over $that should never have been on the account because when we immediately called (back in March) stating we didn't want any part of their business, we were told our account would be closed

Initial Business Response / [redacted] (1000, 11, 2015/06/15) */ This customer's account is closedThe merchant improperly terminated their account by placing a stop paymentThe account was not used because the customer chose to use an alternate processor insteadAs a courtesy we have cleared the owed balance on the account since the owed balance has no processing activity Initial Consumer Rebuttal / [redacted] (2000, 13, 2015/06/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you

WATCH OUT!!!!!!!!!!!!!!! This company is the worst company I have ever had to deal withThe sales man lied right from the startThey sucked me in by telling me that I would not be able to take credit cards with my system because it did not read chips in the cardThey also said they would pay off the $I owed my last company if I would switch to there companyThey gave me a document that said satisfaction guaranteedNone of this was trueThe machine did not work right from the day we hooked it upWe called them many times and they never helped usWe finely gave up and then the problems really startedThey would not let us cancelNow we have taken them to court and the trial is in weeksThese cheaters have to be stoppedThere are a lot of mad people out thereI found that I had to sue them in there state even though they solicited my business in my state at my locationI will have to travel miles to show up in courtThis is why most people just give up and get took out of there moneyThank goodness for the internet were I can get my bad experience out to the publicI have found there are a lot more people out there that have been tookWish me luck on this

They will not let me close my account after varies times speaking to them, I get transferred to supervisors that won't answer and will not call you back if you leave messages, they added years to my contract I only signed up for year this company shouldn't be allowed to do business with anyone and should be exposed and shut down immediately(I'm not the only one with this problem from central payment! Supervisor that I try to reach out to is [redacted] allthough I've never spoken to him as he wont return calls and/or doesn't care about anyone's current situation with his company

Initial Business Response / [redacted] (1000, 8, 2014/09/24) */ We have reviewed the situation at hand [redacted] did not use his account because he refused to activate, despite the numerous attempts made by our support team to assistInstead called and was verbally abusive to at least one team member and continued hanging up on even a supervisorAlthough there is no fault from CPAY, we did waive the cancellation fee upon closure of the account, which is a legitimate fee [redacted] needs to return the equipment to CPAY in order to avoid fees for non-returned equipment Initial Consumer Rebuttal / [redacted] (3000, 11, 2014/09/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company's representative [redacted] did not disclose any of the numerous fees from CPAY and I have spent over hours of my time dealing with the money taken out of my business checking account by CPAY that was not authorized [redacted] told me when he asked for my business checking account number that was for deposits only and any charges from CPAY would be deducted from the credit card swipeHe never said money would be deducted from my checking account for any reasonThey started taking money from my business account long before my store was open [redacted] dropped off their equipment and it was never openedI am also getting letters from their collection agency for $on an account that was never activatedCPAY needs to have their representative [redacted] pick up the equipment he brought to me, or email me a UPS or FEDX tag and I will gladly return itThe collection account needs to be retrieved by CPAY because again the account with CPAY was never activatedI have owned businesses for over years and have been warned about companies like CPAY using Non-Disclosure tactics to lure in customersI have lost too much money due to the time spent dealing with a company that will not listen to reason or understand non-disclosureIf this is not resolved immediately on the above listed terms I will put it in the hands of my Corporate AttorneyI contacted the Revdex.com as the first step in a resolution

Initial Business Response / [redacted] (1000, 11, 2014/04/17) */ Cetral Payment has no control of Chargeback disputesHowever, our chargeback department follows all protocols to help the merchantWhen a merchant loses the dispute it is outside CPAY's controlWe are more than glad to assist with some courtesy credit towards the chargeback feesWith regards to the account's termsThe merchant was provided with a welcome kit, which indicated the account would auto-renew unless cancelled at the end of the termIf [redacted] has any concerns CPAY will is more than glad to provide the assistance requiredCPAY management attempted to contact [redacted] to assist with her concersWe were unable to get through on the numbers we have on file but did leave a voicemail with a direct contact information to provide the required assistance Initial Consumer Rebuttal / [redacted] (3000, 13, 2014/04/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) My business number is (XXX)XXX-XXXXThis is the number that the credit card transactions are run on and submitted to Central PaymentWe answer the phone all the time, or return voice messages as this is a businessMy personal cell phone number is (XXX)XXX-XXXXAs far as my losing a customer dispute, the fact that is being overlooked is that I have a contract with the disputeeIt isn't possible to lose a dispute when the disputer is under contractCredit Card Disputes that not being looked into, although all of the proper documentation is submitted (example, the contract) is a very easy way for a consumer to cheat small businessI would like to use an example of my automobile loan that I have through HondaCould I just dispute that I owe the money for my vehicle and not have to make my payments? Absoluetly not, I signed a contractIn this case the credit card company is not looking at the information provided, because if they were, the person in question would not "win" the disputeComplicating the situation is that the company Central Payment recieves $for each dispute which they take directly out of my accountAfter the customer is deamed to have "won" the dispute, we (the business) can dispute again and present the evidence againWhen the customer "wins" again, we get charged another $As a business, I am afraid to go any further in a dispute and feel that it may be easier just to let the customer walkWhy? Because not only am I not going to recover the contractural obligation from the customer, but it takes time to gather the evidence, and then it costs me $ As far as this welcome kitI recieved that over years agoMy fees have varied since then and I have no idea whyI tried to cancel this contract with Central Payment for both of my businessesThe window of opportunity to cancel this contract, I am told is within days prior to the 3rd yearNot before and not after, but within those daysThis is almost next to impossibleIn other words, a letter sent today, or in months, would not quailfy me for cancellationFuthermore, I thought contracts in the state of Colorado and several other states, go month to month after the intial termI thought (we deal with contracts in our business) that it is illegal to renew a contract for an entire term (in the case another years, without notifying the customer (me) and rewriting the contract) I would like this contract cancelledActually, I would like both of my business accounts cancelled with this companyAs far as creditsThat is vagueCentral Payment's entire response is vageI would like to know exactly how much of a credit, when that will be given to me, and when my contracts for Ladies Workout Express and adam & eve salon & spa will be cancelled

Initial Business Response / [redacted] (1000, 8, 2014/04/03) */ [redacted] posted this complaint the same day she called our office at which time she received confirmation that the account had already been closed and the credit she is requesting already issued Initial Consumer Rebuttal (The consumer indicated he/she ACCEPTED the response from the business.) I finally did receive a refund from central paymentIt did take another two phone callsThe refund was not issued for another two weeks after the first time I calledStill would never do business with central payment again

Initial Business Response / [redacted] (1000, 5, 2015/01/15) */ This accounts has already been closed according to the cancellation letter received at the end of OctoberThe customer had charge backs fees for customers disputing transactions after the closure of the accountThe customer also states that CPAY gave the approval to run this transaction, which is incorrectCPAY provided the number to the card issuing bankLike all other processing companies, CPAY has no control when a customer of our merchant decides to dispute a transaction through their card issuing bank but we do have an obligation to abide by the regulations when Chargebacks occurThere is no mistake from CPAY in this case and further provided the merchant an a copy of their terms and conditions at their requestCPAY will issue credits for any fees that are not processing or Chargeback fees that may have took place after the submission of the cancellation letterAs for the cancellation fee, while the merchant cancelled at no fault from CPAY we can assist by reimbursing 25% of the cancellation fee as a courtesyChargebacks would have occurred with any other processor that this merchant would have been signed up Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/01/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would appreciate the 25% reimbursement of the cancellation fee and also the excessive chargeback fees charged on the Dec StatementI called and was told I would receive a call back and never did, typical of your customer serviceAs soon as I see the money reimbursed into our account, I will satisfy this complaint Thank you Final Business Response / [redacted] (4000, 13, 2015/05/08) */ CPAY has issed the promised credits to the merchant's account

Initial Business Response / [redacted] (1000, 8, 2015/02/16) */ CPAY spoke with ***She has expressed her concernsWe pointed out where the agreement states her renewal termHowever, after further consideration of the expiration date of her renewal term CPAY agreed to pro-rate her cancellation fee and [redacted] will receive a refund for $ [redacted] agreed this to be a fair settlement

Shady business! We called in to cancel our service for one of our businesses in mid AugustThey wanted us to fax over a letter to cancel service, which we did within a dayWe kept getting chargedI called again to cancel on October 25th for both of our businesses because of their quality of serviceI sent in an email cancelling service this timeI called to confirm they got the email on November 1st, which they said they didI just got an email today saying the service for the first shop with terminate on December 24thWhat????? How can that be? I could possibly understand a day notice thing.....but we had initially cancelled this shop in August! and then again in OctoberIn the meantime, they are charging us a monthly feeThey make it very inconvenient to cancelOn a sidetone, each time I called it, I was on hold over minutesBoo Central Payment! I would have used you for future business expansion, but not anymore

Initial Business Response / [redacted] (1000, 10, 2015/09/01) */ This account was terminated for non-payment in This customer was provided the proper cancellation instructions as well as the instructions on how to cancel a merchant account clearly outlined in the terms and conditionsNo cancellation was received by CPAYFuthermore, this customer's account has not affected her credit report

Initial Business Response / [redacted] (1000, 8, 2015/05/01) */ CPAY has already closed ***'s account per her previous requestHer local representative states that he did advise [redacted] of the credit for her Application and SetupCPAY has now issued this credit to her accountWe apologize to *** for the delay in receiving her credit Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/05/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received the setup fee of $5/6/which is appreciated but the monthly fee of $was not refundedI feel I am owed that amount due to the lack of information from the Account Executive, his lack of service as promised to assist in the setup and his stall tactics, which goes back to February time frameIf the Account Executive would have full filled his promise, my contract would have been cancelled in time to avoid a monthly feeA prompt refund of the monthly fee of $is still outstanding Thank you Final Business Response / [redacted] (4000, 14, 2015/06/10) */ 6-2- Sent via email: Hi [redacted] This customer is not "owed" that amount backShe called and submitted her day notice of cancellation in MarchThe $accounts for March month-end statementAs a courtesy ONLY we have issued this credit Thank you, [redacted] Final Consumer Response / [redacted] (2000, 16, 2015/06/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) Hello [redacted] I have received the refund which was due me, thank youContrary to ***'s remark as I was not "owed" the amount backI was due the refund, due to the lack of information provided to me by the Account ExecutiveI started inquiring with the Account Executive in January and never once did he tell me I needed to contact the company, only that he would be drive to my business to instruct me how to install the machineA day was set in Jan, needless to say the Account Executive never arrived or called to let me know he wouldn't be thereI called a day later and my call went into his voice mailI called again a few days later and finally spoke with the Account ExecutiveHis reason he didn't show was due to illness and we once again set another day in Feb for him to come to my business, again he did not showNever once during all our phone calls did he inform me to contact the business to close our accountAfter numerous calls again I could not reach the Account Executive, I sent him a text informing him if he did not call me that day to settle the matter I would contact Revdex.comSurprise, I had a call from him within minutesAt that time he finally informed me they were having numerous issues with the machine we had, we were still within our trial period and I should contact the company to cancel our account and everything would be refunded to meIf the Account Executive had informed me back in Jan what I needed to do, the account would have been closed in Jan and I would never been charged a monthly feeThe Account Executive is remiss in his title and needs to perhaps go back for training so he is informed on how to do his job effectivelyI am truly disappointed in the service I received during the time I had my contract and will never refer the company as a reputable business

My husband had decided to set up an account with Central Payment and they let him do all the set up while I was at work, in my nameThey had no problem on their endWe picked our batching times and what funds were to be deposited the next day, were notThey took several days, so we lost customers and businessWhen we decided to cancel, they wouldn't let himThey had to speak with me and I had to do the cancellation process, even though they let him set the account up without them asking to speak with me thenNow that we cancelled, they took out another charge after my days was doneGranted, they are refunding the money, but it was money that never should have been taken out of my account in the first placeThis company has been nothing but hassles from start to finish

Initial Business Response / [redacted] (1000, 5, 2015/02/16) */ CPAY attempted to reach [redacted] to offer a solutionHis business voicemail states they will re-open on 2/ [redacted] signed a month agreement with CPAY for credit card processingHe further acknowledged on the agreement (we can send if necessary) that any other special arrangements made between he and his agent would be in the "Special Instructions" section of the agreement Cancellation representatives had previously offered a reduction to $275, but instead of receiving this courtesy reduction [redacted] placed a complaint Due to the nature of [redacted] breaking his agreement with CPAY, as a courtesy, we can reduce his cancellation fee to half of the $375, which is the actual cancellation fee Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/02/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like to accept this offer, unfortunately I cannot get a rep on the phone to honor it, nor will [redacted] give me a return callI have called multiple times, only to get the voice mail every timeSo again with the run-aroundNot to mention, it is not being addressed that this company has MUCH higher fees than originally promised Final Consumer Response / [redacted] (2000, 10, 2015/05/07) */ 5-7- Sent via email: Yes, it has been resolved Thank you

Beware! Beware! Beware! A friend got us into Central Payment for our business WHAT A NIGHTMARE! First our 1099's for end of year taxes were all screwed up, I spent days trying to get the 1099's fixed but the person that takes care of it is seems to only work a couple of hours a dayHe did say we should of received an email and mail concerning there issueWe NEVER received a letter or emailwe closed the account and received a call WHY DID YOU LEAVE USAre you kidding me! Now after months we received a bill for $and again to a collection companyWe called and they said we sent you a letter and email concerning the billCRAZY COMPANYWe decided to go ONLY cash WITH OUR COMPANY!

Initial Business Response / [redacted] (1000, 7, 2014/10/30) */ Mr [redacted] opened two accounts with CPAYHe did not use one accountAs a courtesy, CPAY has agreed to waive the Early Termination Fee in light that the account was not utilizedMr [redacted] has agreed to continue processing through CPAY on his second account and his concerns have been addressed and resolved

Initial Business Response / [redacted] (1000, 11, 2014/10/07) */ [redacted] personally visited this client, furthermore we offered reductions and demonstrated how we could assist [redacted] has placed a complaint with the Revdex.com with no merritFurthermore [redacted] account has been closed since 8/8/ Initial Consumer Rebuttal / [redacted] (3000, 13, 2014/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did stay in my statement [redacted] visited me one time [redacted] then requested to see me again because he said he could offer me lower rateI agreed to see him 2nd timeHowever, he failed to keep his scheduleHe called me on the day he supposed to see me with the reason he could not find parkingI then schedule to see him different dayAgain, he did not show upAnd, I have not heard anything from him since [redacted] failed to keep his schedule twiceTherefore, it makes me think that this company is seriously a scam I requested to cancel my account because I no longer trust this company, and I wanted my refundThe customer representative threaten me over the phone that he would not close my account if I keep asking for the CEO contact informationI then stop asking for the CEO contact information to please the customer representative in order for my account to be closedI do not mind to sign a release form to release a conversation with this customer service rep All of this incident happened because the unprofessional manners of both employees: the sell person - [redacted] and head of the department - *** [redacted] did not answer any of my calls [redacted] failed to keep the scheduleI am a client and I do not have any responsible with any of the company's employeeBecause I did not hire any of these peopleTherefore, if the employees did wrong, the company has to have responsible for that, not meIf [redacted] had answered his call to solve my concerns then I would not have to file a complain I want the company issue the refunds for months May, June and JulyBecause this incident was not my faultThis is the employee's unprofessional mannersThe company has to have repsonsible with those employees, not the clients In addition, there are many complaints file against this company with similar reasonsAnd, the complaints happens quite frequently every monthsIt even makes me thing that this company is a scam I want my refund back for May, June, and July

Initial Business Response / [redacted] (1000, 8, 2014/11/05) */ Central Payment received the merchant's cancellation letter [redacted] signed a merchant agreement to process through Central PaymentCentral Payment agreed to cancel the account with no Cancellation fee as a courtesy [redacted] 's account is closed Initial Consumer Rebuttal / [redacted] (2000, 10, 2014/11/12) */ (The consumer indicated he/she ACCEPTED the response from the business.)