Central Payment

Initial Business Response /* (1000, 15, 2015/10/23) */
*** submitted a day cancellation letter at the start of AugustThe agreement does not end until OctoberFurthermore, *** breached his agreement with CPAY in January*** signed and agreed to the terms of his
agreement:
On an exclusive basis, MERCHANT agrees to submit all SALES for processing from CARDS accepted in MERCHANT's
business as described in the Merchant App
lication to
BANK
in accordance with the RULES and pursuant to the terms of this
AGREEMENT
*** has been processing his credit card sales through a different processorHe furthermore submitted his cancellation letter months before the contract expired
CPAY is more than willing to remove these fees if he is willing to honor the agreement he executed with CPAY

Initial Business Response /* (1000, 10, 2014/06/05) */
CPAY management spoke with ***She expressed her concernsCPAY has offered to assist *** with a solution to her concerns and rate reductionWe will also provide the merchant with a mobile swiper for credit card processingAt
her request, we are placing the agreement made with *** in writing and sending the information to her as discussed and agreed

Initial Business Response /* (1000, 10, 2015/03/31) */
CPAY spoke with this customer and assisted with their concernsCPAY took it a step further and as a courtesy waived their Early Termination feeThis account has already been closed

Initial Business Response /* (1000, 11, 2015/08/14) */
This client voiced her concerns and our staff was able to assist and also removed the fees owed that had no processing activity on 7/No fraudulent charges have been billed to this account
Initial Consumer Rebuttal /* (3000,
13, 2015/08/14) */
8-14-
Sent via email from consumer:
*** ***
I believe they have "called off the dogs" but have nothing in writing to indicate they have issued credit for the amount they turned over to collection
Attached is the email response from their collection agency
I attempted to call them repeatedly to ensure the balance had been written off but had to hang up each time after 30-minutes on hold
*** ***

Initial Business Response /* (1000, 8, 2014/08/26) */
Central Payment reached out to *** to assist with her concerns*** expressed she does not wish to honor her agreement with Central PaymentCPAY is able to provide proof to the Revdex.com indicating that everything that *** has signed for
is in fact taking place*** contacted our office with regards to her concerns on 7/30, our representative attempted to assist, but assistance was rejected by the merchantAs a courtesy, ***'s cancellation fee was reduced by half

Easy to setup and no downtimeHappy

Initial Business Response /* (1000, 13, 2015/10/16) */
Chargebacks are not initiated by the Processor but by the card holderThe consumer's customer is the party disputing these transactionsThe merchant did not win both ChargebacksOne merchant lost one Chargeback and the second is still
openOur Chargeback department is awating a response from the card issuing bankAs a processor CPAY has to follow all Chargeback protocols
Initial Consumer Rebuttal /* (3000, 15, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with Central Payment's responseI won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing of the charges again, so now I am waiting to hear back$of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback feesI feel as if I am being scammed because $is such a random number and they will not send me a breakdown to show where my $was applied toA representative by the name of *** who is in charge of Chargebacks was supposed to email me all my documents on separate occasions, she never hasSince I won the first round of Chargebacks, I feel Central Payment can at least return my $back to me in good faith but instead they closed my accountI would like my $returned to me
Final Consumer Response /* (3000, 18, 2015/11/20) */
The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with Central Payment's responseI won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing of the charges again, so now I am waiting to hear back$of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback feesI feel as if I am being scammed because $is such a random number and they will not send me a breakdown to show where my $was applied toA representative by the name of *** who is in charge of Chargebacks was supposed to email me all my documents on separate occasions, she never hasSince I won the first round of Chargebacks, I feel Central Payment can at least return my $back to me in good faith but instead they closed my accountI would like my $returned to me

Initial Business Response /* (1000, 5, 2015/01/19) */
Mr*** expressed his concernsAs always CPAY tried to provide a solution from our corporate office since he was not receiving assistance from his local representativeMr*** was adamant on cancelling his serviceCPAY has
already agreed to release him from his agreement as a courtesy and his account has already been closed as well
Initial Consumer Rebuttal /* (2000, 7, 2015/01/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 11, 2015/04/07) */
The consumer's account was closed on 3/3/CPAY received a cancellation letter signed by an unknown person to CPAYUpon receipt of said notice, CPAY staff reached out to the business to address their needs and advise of the notice
received by an unknown personOur representative spoke with a female employee at the business who placed the caller on hold and did not come back on the lineOur staff followed up with an email to ***@gmail.com (email address in our records)As a courtesy, CPAY is willing to credit back all monthly fees going back to January This consumer breached their processing agreement with CPAY and refused assistance or price match in order to honor the agreement
Initial Consumer Rebuttal /* (2000, 13, 2015/04/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I was asking for a refund of all months that we did not utilize their serviceThey offered to settle by paying the months in which I believe is fairI am expecting them to credit my bank account in a prompt manner to close this issue

Fortunately I did not sign with them, but almostTheir sales rep *** *** of Spenser, Iowa cold call style walked into my store, and I have not updated for years and it is time, so I listenedHe did notA few emails later he still did notFinally during a cold call he made on the telephone, I got through "Do not want your service with all these charges on the application you didn't mention"He said he could waive thoseI said I prefer people who are honest up frontHe then sent me an email denigrating me, my art, and my websiteI can be a butt too, I replied his wife would probably appreciate him getting a real jobBecause when you have to lie and con, and then be rude when the customer says "no", that is a sorry job and only a sorry company would let him / cause him to act that wayAnd yes I know I don't take the time to make the prettiest website in the worldI prefer to make pretty jewelry- *** *** ** ***

FRAUD!!!!!!! DO NOT SIGN UP WITH THIS COMPANY!!!!!!!! It's best to use *** or ***This company has too many hidden fees/charges that they DON'T tell you about up frontIf you have a issue there customer services can never resolve a problemThey always tell you that they will give you a call back and NEVER doPleaseeeeeee stay away from this companyYou will end up spend more money than you earnIf someone approach you to sign with this company RUN FOR THE HILLSHORRIBLE!!!!!!!!!!!!!!!

Initial Business Response /* (1000, 8, 2014/09/24) */
CPAY Management spoke with ***, he expressed his concerns and CPAY has agreed not to charge the Early Termination Fee*** will try to retrieve equipment from his other company, which he states they took when they converted him from
CPAY*** has a point of contact at CPAY in case he has further questions or concerns

Just a short summary, stay away from this company Our credit card machine became obsolete -- wouldn't update and we had no knowledge that it was obsolete Just one day it no longer worked Received the new machine very quickly, but it wasn't properly programmed and it failed to batch report sales Our business lost around $2,to $2,because of this We called Central Payment and we called our representative (Matt Laidlaw) and got nowhere -- except we did get our machine programmed -- I had to do it over the phone -- was very lengthy process We went with Square and were in the process of cancelling our contract here which has far exceeded the initial contract period, but we are being told that contracts AUTO RENEW and there are charges to cancel This is crooked business -- and there is no need going with a company like this when there are much better options

Initial Business Response /* (1000, 10, 2014/10/07) */
CPAY has attempted to contact *** on multiple occassions to assist with addressing his concernsCPAY contacted Mr*** at the number provided to us through his complaint with the Revdex.com and left detailed instructions on how to
cancel his account as well as a direct contact phone number to reach if he has further questions

Initial Business Response /* (1000, 10, 2015/02/26) */

Initial Business Response /* (1000, 8, 2014/10/31) */
CPAY management spoke with ***CPAY was not aware of this client's concerns until this complaint was placed*** agrees that he could have gone through our corporate office first to have his concerns resolvedNevertheless, he has
agreed to continue working with CPAYIn return CPAY will do a cost analysis to ensure he receives a lower cost on his credit card processingHe will continue working with management to put all items to rest
Initial Consumer Rebuttal /* (3000, 10, 2014/11/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not want ANY more contact from CPAYI want them to be a reputable company and resolve this fiasco by doing what I ask, which is what is the RIGHT thing to do(1) Cancel the account; (2) Refund the $and; (3) Terminate the equipment leaseI will accept NO OTHER resolution and WILL get litigious if I must
Final Consumer Response /* (2000, 16, 2015/04/30) */
4-30-
Sent via email by consumer's attorney:
*** ***
Hello Yvette,
The name(s) would be *** *** OR ***'s Mexican RestaurantI am the financial adviser to Mr***You may contact me (XXX-XXX-XXXX) if you need further information
Best regards,
*** ***
:
Miss ***,
This case can be considered resolved
Thank you

Initial Business Response /* (1000, 8, 2014/10/31) */
We have attempted to reach Mr*** to address and resolve his concernsWe will continue to try to get in touch with himUntil recently, Mr*** has been using CPAY for his credit card processingMr*** has not contacted
our office to voice his concernsCPAY is more than willing to make any necessary adjustments to his rates to ensure he receives the best possible pricing

Initial Business Response /* (1000, 11, 2014/04/03) */
CPAY closed the account months ago with no cancellation fee as a courtesyWe can provide documentation proving a second account openedWe still assisted the merchant with their concern and waived closure fees AND issued credits only as
a courtesy
Initial Consumer Rebuttal /* (3000, 13, 2014/04/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well, if they closed the account with no fees, as they state, then why did Pampered Princess #ID XXXXXXXXXXXXXX, just receive a letter dated 4/7/that states an outstanding balance of $
Due immediately or collection action will be taken?
They did not close the account, and are still trying to take money from bank accounts that have had to be closed due to their processing of multiple transactions, and unauthorized withdrawal out of accounts that are not even connected to Pampered Princess
And they never refunded the total amount of money that had been unethically ,and illegally taken out of A *** of ***'s non profit account
A *** of *** # XXXXXXXX , has no ties to Pampered Princess financial obligationThey are two separate businesses
And due to this , A *** of *** will also be choosing to cancel their account with CPS but I will not do it yet, as I am scared to do so until this current mess is handled I cannot afford for them to continue to take money from us that is not theirs to take

Initial Business Response /* (1000, 11, 2015/04/20) */
On 11/17/14, CPAY received a call from a person by the name of ***, who is not a listed contact/owner for this account*** requested information on the contract term and cancellation of the accountBecause *** is not a listed
principle for the account our staff asked for any proof stating she is a decision maker for the business in order to further assist with the closure*** said she would obtain this and call backThe call back was not until 3/16/Our staff attempted to assist ***, the caller, and advised to submit his closure letter in order to have the account closedTo date CPAY has not received a cancellation letterHowever, while we ask for a day cancellation notification CPAY will expedite the immediate closure of the account

Initial Business Response /* (1000, 5, 2014/02/20) */
Central Payment reviewed the *** accountWe understand there was no activity for the month of January and issued the credit for $back to her account