Central Payment

Initial Business Response /* (1000, 8, 2015/12/02) */
The merchant submitted their day notice of cancellation letter in NovemberThe merchant was further advised that the day cancellation process takes place upon receipt of the cancellation letterTo resolve the merchant's concerns
we have expedited the closureThe account is closed

Initial Business Response /* (1000, 11, 2014/08/26) */
CPAY received statements from this customerThe statements were already reflecting overdrafts not caused by CPAYCPAY is willing to assist with some of these as a courtesy, however we cannot cover fees not caused by Central
Payment
Initial Consumer Rebuttal /* (3000, 13, 2014/08/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Cpay is responsible for any and every overdraft that was caused by their companyWe are not worried about the overdrafts that we created as we are not asking them to pay for thoseAnd seeing that our account was suppose to be on MONTHLY fee with-drawls and Cpay kept taking out daily feesWe would have had maybe one as opposed to or Cpay refuses to accept their part in the matter by throwing blame at everyone else, but refusing to accept responsibility for their actionsBottomline they created a bigger problem by not sticking to their end of an agreement because for some reason they couldn't get their system to update that our account was a monthly fee accountWe just want them to take care of the fees that they caused

In NovI started using Central Payment to process my credit card transactionsAfter the first month of using the company I noticed no money was being deposited to my acctI called the company to inquire as to what could be the problemI was told by their customer service associate that everything looked good on their end and that they were seeing the deposits going through and that I should check with my bankTo make a long story short, for months this company had $4,of my money in an acct that they "froze" In that months, not once did the company call me, send me an email or reach out to me in anyway shape or formThe three different times I called them enquiring what was going onNo one on their end knew anything! It's now months later and they finally deposited the money into my acctOnly problem is, they had the audacity to keep $for their "services" for those months THAT THEY DIDN'T PROVIDEI can tell you that this company has no idea what they are doing, truly the left hand doesn't know what the right hand is doing and to make matters worse they lack in good business ethics

Initial Business Response /* (1000, 10, 2014/09/15) */
CPAY management reached out to [redacted]. She expressed her concerns and we were able to assist in providing a resolution. [redacted] will remain a CPAY customer and has been given a contact at corporate for future assistance.
Initial...

Consumer Rebuttal /* (3000, 12, 2014/10/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was contacted by [redacted] director of merchant relationships. I express my concerns about my current account and my desire to break apart from central payment, he dint offer a resolution the overall highlight of or conversation was that I wasn't going to talk to their sales rep anymore(Aldo [redacted] and that was about it. I mention to him several times that I wanted my original contract that they had with my signature and after that contract was on my hand I was going to decide whether I stay or not, I refuse to pay their alleged " cancellation fee" because I firmly believe that that wasn't ever stayed to me and that I was lure by their sales tactics and now they would like to charge a fee. They show me a copy of a "contract with my name and information" however the areas were my signature suppose to be there was only a file line for what it seems to be an archived file code for the image of my contract. However my contract was signed and filled by hand. Ever since my conversation with [redacted] on 09/12/14 the requested copy of my original contract hasn't been delivered to me, ever since I have made several attempts to talk to [redacted] and inquiry about my request however I haven't been able to do so. The email that [redacted] had sent me had a cancelation form for my previous merchant processor, but that's about it, no resolution was reach nor were they able to suggest any. I have a copy of the email and I will be glad to forward to you as proved of my statement. I really feel that this company is making me waste my time and they seem to show any interest to resolve my request, which is once again leave their service as it was promise "no contract and no cancellation fees".
Please help .

Initial Business Response /* (1000, 5, 2016/01/19) */
CPAY has not deceived the consumer with regards to the B-Notice or backup withholdings. Please refer to IRS website:
[redacted]
CPAY is always willing to work with our merchants and understand there...

are circumstances where exceptions to an agreement have to be made in favor of our client. The merchant executed the agreement which outlined all the business information that the consumer was able to review prior to signing the agreement. If there was a mistake in any of the information we do have the ability to rectify it, in this case the consumer's TIN.

Initial Business Response /* (1000, 10, 2015/08/14) */
[redacted]Document Attached[redacted]
These statements are incorrect and complaint has no merrit. The last billing statement for this merchant account was for May month end fees. The attached document is for June indicating no fees deducted. There...

was also no statement generated for July month end fees. We contacted the consumer to perform a conference call with their bank for validity as there CPAY is not the only company that is able to ACH funds. The consumer stated they would contact our office back.

Initial Business Response /* (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 /*...

(2000, 10, 2014/04/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I finally did receive a refund from central payment. It did take another two phone calls. The refund was not issued for another two weeks after the first time I called. Still would never do business with central payment again.

Initial Business Response /* (1000, 10, 2014/03/24) */
CPAY spoke with [redacted]. We explained the PCI fee and as a courtesy issued credit towards PCI compliance. [redacted] has accepted and her concern has been resolved.
Final Consumer Response /* (2000, 12, 2014/03/25) */
(The consumer...

indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 11, 2014/04/23) */
Central Payment received this client's cancellation letter and closed the account. This client switched to another company and did not fulfill the agreement with Central Payment and instead placed a stop payment against CPAY. This...

account is closed.
Initial Consumer Rebuttal /* (3000, 13, 2014/04/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with central paymentresponse,because up until the time I filed a complaint against them they were still charging me,even after I had canceled with them last year for overcharging me.There was never a contract agreement signed.I called them,and they gave me a runaround,they asked me to send a letter of cancelation ,that otherwise they will continue to charge me,even though I had canceled with them last year,I sent a certified letter,fax them,but they kept telling me that they never received anything from me. I have copies of the letter with me,they are refusing to return my $1,034,and I just received a bill from their collection agency.This is a company that enslave people and force businesses to stay with their abusive company.Please help to get to the bottom of this and tell them to return my money.They have traintheir employee to lie,force,intimidate,and makeup story to stay open, and people are being forced to stay with them.They categorically told me to go and reopen my account with them,that is the only way I can get my $1,034 back.please help me help other people that have gone or will go through this.

Initial Business Response /* (1000, 5, 2014/02/20) */
Central Payment provided the cancellation information for [redacted] in two different forms, via her Terms and Conditions given to her at the start of her account and again when she called to obtain the cancellation information. Central...

Payment did not receive a written cancellation letter as required. As a courtesy CPAY closed the account immediately when she voiced her concern on 2/6/14. Furthermore the agreement between [redacted] and Central Payment states she has 90 days to advise of any discrepancies. Central Payment offered courtesy credits going back 3 months, but was credit was declined. The offer is on the table for [redacted] if she wishes to accept this courtesy credit.
Initial Consumer Rebuttal /* (3000, 7, 2014/02/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was not offered credits for 3 months going back nor was I offered a credit of ANY kind. I was NOT told that my account would be closed when we called to find out why the account was still open more than a year after I requested it be closed. If I had been told all of these things I WOULD NOT have paid $35.00 to put a stop payment against SmartPay through my bank.
I have a copy of my contract and I have a copy of the letter I faxed on July 30, 2012 requesting that the account be closed on Aug. 1, 2012. The letter was faxed to the phone number SmartPay provided me with. I did as I was told to do when I called customer service back in 2012 to close the account.
Again, I did not know that SmartPay was continuing to debit my personal checking account due to having a stroke on Aug. 12th of 2012. I was left unable to handle the family finances and my husband took over that process in addition to all of the other day to day functions I could no longer attend to.
I would be most happy to provide submit a copy of my contract and the original letter faxed on July 30, 2012.
Final Consumer Response /* (3000, 11, 2014/03/17) */
I was not offered credits for 3 months going back nor was I offered a credit of ANY kind. I was NOT told that my account would be closed when we called to find out why the account was still open more than a year after I requested it be closed. If I had been told all of these things I WOULD NOT have paid $35.00 to put a stop payment against SmartPay through my bank.
I have a copy of my contract and I have a copy of the letter I faxed on July 30, 2012 requesting that the account be closed on Aug. 1, 2012. The letter was faxed to the phone number SmartPay provided me with. I did as I was told to do when I called customer service back in 2012 to close the account.
Again, I did not know that SmartPay was continuing to debit my personal checking account due to having a stroke on Aug. 12th of 2012. I was left unable to handle the family finances and my husband took over that process in addition to all of the other day to day functions I could no longer attend to.
I would be most happy to provide submit a copy of my contract and the original letter faxed on July 30, 2012.

Initial Business Response /* (1000, 11, 2015/06/15) */
This customer's account is closed. The merchant improperly terminated their account by placing a stop payment. The account was not used because the customer chose to use an alternate processor instead. As a courtesy we have cleared the...

owed balance on the account since the owed balance has no processing activity.
Initial Consumer Rebuttal /* (2000, 13, 2015/06/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you

Initial Business Response /* (1000, 10, 2015/05/27) */
Mr. [redacted] executed a 36 month agreement with CPAY. CPAY closed his account in April. We did not collect an early termination fee. This complaint has no merit. CPAY will gladly provide a copy of the merchant agreement executed by Mr....

[redacted] to the Revdex.com if necessary. CPAY does agree to waive any fees in collections that are not for active processing.
Initial Consumer Rebuttal /* (3000, 12, 2015/05/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The issues of my complaint were completely ignored in their response. How do I respond when they did not even address the issues in my complaint?

Initial Business Response /* (1000, 11, 2014/05/21) */
Central Payment management spoke with [redacted]. He expressed his concerns and Central Payment has agreed to assisting with the Early Termination Fee from his previous processor. [redacted] will get the required information and a manager will...

be contacting him again on 5/21/14 to finalize.
Initial Consumer Rebuttal /* (3000, 13, 2014/06/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This incident has NOT been resolved. No one contacted us on 5/21/14. We are going to CANCEL our Central Payment account by the end of THIS WEEK if it is not taken care of. We were PROMISED In WRITING that we won't have to pay for 2 machines and we still are paying. This makes NO SENSE! BOTH Wells Fargo & Central Payment is charging us. [redacted] will need to contact us by the end of the week, As far as we are concerned we have no contract & [redacted] told us we can cancel at any time. Which will happen by FRIDAY6/6/14 if we don't hear from them.

Initial Business Response /* (1000, 5, 2015/02/16) */
CPAY attempted to reach [redacted] to offer a solution. His business voicemail states they will re-open on 2/25.
[redacted] signed a 36 month agreement with CPAY for credit card processing. He 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 /* (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 call. I have called multiple times, only to get the voice mail every time. So again with the run-around. Not to mention, it is not being addressed that this company has MUCH higher fees than originally promised.
Final Consumer Response /* (2000, 10, 2015/05/07) */
5-7-15
Sent via email:
Yes, it has been resolved.
Thank you.

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 name. They had no problem on their end. We picked our batching times and what funds were to be deposited the next day, were not. They took several days, so we lost customers and business. When we decided to cancel, they wouldn't let him. They 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 then. Now that we cancelled, they took out another charge after my 30 days was done. Granted, they are refunding the money, but it was money that never should have been taken out of my account in the first place. This company has been nothing but hassles from start to finish.

Initial Business Response /* (1000, 10, 2014/05/08) */
Central Payment management spoke with [redacted] regarding her complaint. Central Payment was able to assist [redacted] with her concerns. We are performing a rate reduction on her account to make sure she saves on her processing fees and will be...

assisting with her lease as well. [redacted] was provided with contact information in case she requires further assistance in the future.
Initial Consumer Rebuttal /* (3000, 12, 2014/05/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have yet to receive the contact information from Central Payment and I would like it in writing from them that I am no longer responsible for the lease.

Final Consumer Response /* (2000, 14, 2014/11/06) */
11-6-14
Sent via email:
Yes, thank you for your help. Their representative called me today and agreed to cancel my contract with them. They appear to be a very reputable company. My issue was with the salesman that misrepresented the...

company and their services, however I will not be doing business with them in the future.

Initial Business Response /* (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 assist. Instead called and was verbally abusive to at least one team member...

and continued hanging up on even a supervisor. Although 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 /* (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 40 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 swipe. He never said money would be deducted from my checking account for any reason. They started taking money from my business account long before my store was open. [redacted] dropped off their equipment and it was never opened. I am also getting letters from their collection agency for $48.95 on an account that was never activated. CPAY 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 it. The collection account needs to be retrieved by CPAY because again the account with CPAY was never activated. I have owned businesses for over 20 years and have been warned about companies like CPAY using Non-Disclosure tactics to lure in customers. I have lost too much money due to the time spent dealing with a company that will not listen to reason or understand non-disclosure. If this is not resolved immediately on the above listed terms I will put it in the hands of my Corporate Attorney. I contacted the Revdex.com as the first step in a resolution.

Initial Business Response /* (1000, 10, 2014/10/07) */
CPAY management spoke with Miss [redacted]. She expressed her concerns and allowed CPAY to make the appropriate adjustments to her account to accommodate her needs.

Central Payment has given my company a 6 week run around after we requested to cancel services. Long periods of time on hold. Denial of receipt of faxes that were sent to them with requested documentation.

Finally got someone to acknowledge receipt of letter of cancellation and then told that it would be another 30 days before the cancellation would be effective. That gives them another month to bill us for services that we have not used for the past few months.

Terrible company.