Commerce Payment Systems

First, on behalf of Evolution Bankcard I would like to apologizefor the inconvenience this may has caused you. We personally tried contacting [redacted] to address this issuebut we got no answer. After carefully reviewing your merchant account all rates and fees have been charged...

as per your contract. Also, we neverreceived a cancellation form, or authorization from you to close this account.Nonetheless we're stepping up to the plate and refunding the amountdisputed of $422.88.We will also be issuing the $200 referral bonus to the account that referred you.Please be advised that this refund will post to the bank account that we have on file within 2-3 business days.Evolution Bankcard values your business, and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if it does not, please feel free to email me at [redacted] or you can call me directly at ###-###-####.Thank You,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
 *

Revdex.com:
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:

[Your Answer Here]If commerce payment systems wasn't operating a fraudulent company I may be satisfied with the terms however,  what I was sold by there sales rep [redacted] was far different then what I received.  First of all cable, electric etc. Doesn't call there potential customers and offer them a package that is totally different than the package that they actually intend on maliciously selling you.  Furthermore I think that commerce payment systems is the only company around that won't accept a written cancellation, a phone calk to [redacted] notifying him that I cancelled, and also another email to the underwriting team to cancel me.  I went through the underwriting process in The summer yet I've been charged since Even furthermore I have [redacted] recorded telling me far different terms that were untruthful and AGAINST THE LAW.  this company has a record of pissing off its customers and lying and cheating if they don't simply want to return my money then I'm prepared to play ball bring it on commerce payment systems.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,[redacted]

In response to this complaint
 
First on behalf of Commerce Payment Systems I would like to
apologize for the inconvenience this has caused you.
 
According to our records all fees have been charged...

as per
contract and memos placed on your merchant statement…
 
Nonetheless in effort to place this issue aside a full
refund has been issued for the dispute amount of $83.95. Please expect refund to
post within 3-4 business days to the bank account we have on file.
 
Commerce Payment Systems values your business and truly
apologizes for this inconvenience. We truly hope this satisfies your issue, if
it does not please feel free to email me at [redacted] or you can call me
directly at ###-###-#### and ask for me by name.
 
Thank you
 
[redacted]

In response to this complaint
 
First on behalf of Commerce Payment Systems I would like to
apologize for the inconvenience this has caused you.
 
After carefully reviewing your merchant account, all rates
and fees...

have been charged as per contract.
 
Nonetheless as a courtesy, a refund has been issued on
Merchant id ending in [redacted] total of $198.00 and under Mid [redacted] total refund
of $139.00. These were the charges that were charged from commerce payment
systems. Due to the fact that the fees were charged as per contract, unfortunately
overdraft fees were not approved for reimbursement. Please expect the refund to
post within 48-72 hours back to the bank account we have on file.
 
Commerce Payment Systems values your business and truly
apologizes for this inconvenience. We truly hope this satisfies your issue, if
it does not please feel free to email me at [redacted], or you can call me
directly at [redacted] and ask for me by name.
 
Thank you
 
[redacted]

Revdex.com:
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:

[Your Answer Here]I spoke to [redacted] in reference to my complaint and he seemed confused as to why I filed one to begin with. Yes, I am frustrated with his company and the way they run their business. Because of the verification failure, to which I still do not understand why the doctor's personal home mortgage came into play, my business has lost some of its funds because we did not get all the information back that the company promised. So I had to send a letter to all my patients that used their card with [redacted]'s Terminal and ask them to come by and use the new terminal we had to contract. Some patients have come by, but we do not expect to get the full funds we originally charged. The terminal that we contracted with cannot just take the account number, it either needs the card to be present or additional information needed that we may not be able to get. This frustrates me even more because not only has this whole situation inconvenienced my business and my patients, but now I have lost some of the funds that were originally owed to me. I feel like nothing was resolved and I tried to explain this to [redacted] I felt like he was ignoring the issue and I was done arguing with him and I told him as far as I was concerned it was "water under the bridge" because talking to him is impossible. I read many reviews from others who had the same issue I had and some even said the company was a scam. My point is, nothing has been resolved because now I have new issues recollecting from patients. 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you.  After carefully reviewing your merchant account, all ratesand fees have been charged as per...

contract, as per memos placed within themerchant account. Seems as if there some issues within Underwriting validatingyour merchant account, nonetheless in effort satisfied this issue we went aheada release the funds to your bank account together with a refund of $68.95. Please expect funds to post 24-48 hours. Commerce Payment Systems values your business and trulyapologizes for this inconvenience. We truly hope this satisfies your issue, ifit does not please feel free to email me at [redacted],or you can call me directly at ###-###-#### and ask for me by name.  Thank you  [redacted]

I have forwarded the complaint to Commerce Payments Systems and the response is below.
Thank you
[redacted]
[redacted]
[redacted]l
First on behalf of [redacted] I would like to apologize for the inconvenience this has caused...

you. 
After speaking with the merchant, I explained in detail that they failed the validation process and as
a result, the merchant account had been declined. The merchant was asked security questions based on
their credit report but the merchant was not able to answer any of the questions. 
Merchant understood and will be processing the sales with a new credit card processing company. 
[redacted] Bank Card values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue.
If it does not please feel free to email me at [redacted], or you can call me directly at
###-###-#### and ask for me by name.
Thank you
[redacted]
[redacted]
[redacted]

Revdex.com:
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 funds were just deposited in the amount of $198.75.  We closed the accounts in October 2013. In October we were charged $19.95 and $20.00 for the minimum monthly charge. In November, again $19.95 and $20.00. In December $118.95, $118.95 and $119.00. In January 2014, $19.95, $19.95 and $20.00. In February, $19.95, $19.95 and $20.00. March, $19.95, $19.95 and $20.00. April, $118.95, $118.95 and $119.00. May, $19.95, $19.95 and $20.00. In June $19.95, $19.95 and $20.00. We attempted to close that bank account and move our business to another bank and discovered we were overdrawn because they attempted to make yet ANOTHER withdrawal.
I was assured the accounts were closed in October and again in June, perhaps I should have paid more attention. Either way, I reached out by phone, by email and by fax. The management is ALWAYS in a meeting, They DO NOT return calls. Only when I made this report to Revdex.com have I received a halfway resolution. Commerce didn't even have the decency to correspond with me directly.
All told, we are owed $1,093.20 plus the overdraft fees from Community first in the amount of $65.95, minus the $198.75. Final amount as of today - $960.40. The longer Commerce delays, the more fees are attached. Should I also include the numerous man hours wasted attempting to contact them? I cannot close the bank account because Commerce will not issue a check, they will only refund to the bank where the funds were removed. Community First, our bank, wants their monthly fees for an open account, and rightfully so. Please tell me what I am supposed to do? How can I continue to run a business when I spend my time chasing money that was wrongfully removed from our account?
I want this resolved NOW, I have been patient, I have been resilient, I have been persistent.
Thank you and I am sorry it had to come to this.
[redacted]
[redacted]
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

[redacted]
[redacted] [redacted]
[redacted]
[redacted] [redacted]I am writing in response to your letter dated March [redacted], 2016, regarding the above-referenced complaint filed with your agency.  Commerce Payment Systems takes pride in...

providing excellent customer service and we always work to resolve any concerns of our customers.Upon receipt of this complaint on March [redacted], 2016, a Manager contacted [redacted] and we were able to come to an amicable resolution.  I informed him that the account referenced above will be terminated in the next 48 hours and a credit in the amount of $164.70 is being sent to his bank.  At this time we feel as though we have resolved this issue to the merchant’s satisfaction.If you have any additional questions, please do not hesitate to contact me at ###-###-####.Sincerely,Kathy B[redacted]Sales Support Manager

In response to this complaint
 
First on behalf of Commerce Payment Systems I would like to
apologize for the inconvenience this has caused you.
 
After carefully reviewing your merchant account, all rates
and fees...

have been charged as per contract.
 
There is no record of a cancellation notice received, the
merchant must contact customer services and fill out the cancellation letter.
It is the merchants’ responsibility to close the accounts accordantly.
 
Nonetheless a refund has been issued a courtesy of $108.95,
please expect refund to post within 48-72 hours.
 
Please be advised that your merchant account has been
closed.
 
Commerce Payment Systems values your business and truly
apologizes for this inconvenience. We truly hope this satisfies your issue, if
it does not please feel free to email me at [redacted], or you can call me
directly at ###-###-#### and ask for me by name.
 
Thank you
 
[redacted]

This merchant belongs Commerce Payment Systems aka Evolution Bankcard,  in Hewlett New York. Can this be removed from EVO and forwarded to Commerce?Thank you for your consideration.
[redacted]
[redacted]
[redacted]

Revdex.com: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:
I sent in ALL the items requested by Commerce Payment Systems - BOTH SETS OF REQUESTS - the second ASTONISHINGLY coming TWO WEEKS AFTER they had told me my account was opened and had ALREADY SENT me my ACTIVATED PROCESSING TERMINAL. In the INITIAL set of documents, on June [redacted] I sent a copy of my CA driver’s license, a copy of a voided business check from my company, [redacted] and a copy of my business license from the city of Orange. I subsequently, later in the same day, received an APPROVAL of my application from [redacted]. And subsequently we made arrangements for him to send my credit processing terminal to my booth at the venue I was working, the San Diego County Fair. In the HIGHLY UNUSUAL SECOND REQUEST FOR ADDITIONAL DOCS AFTER ANNOUNCING THE APPROVAL OF MY ACCOUNT, I sent a copy of my passport, a copy of purchase orders for merchandise from TWO separate vendors we use, and a picture of our booth at the San Diego Fair in lieu of marketing materials, which we don’t spend money on. Our product on display IS our marketing material. Our booth has a banner that advertises our trademarked product, ‘Diamond Illusions’ jewelry, while in the background, hanging on the booth grids, is a LARGE sign with our company name, [redacted] in LARGE LETTERING.  For security and privacy reasons I blacked out my passport NUMBER when submitting the copy of that, but all other info was visible - ie. photo, date of issue and expiration, AND MOST IMPORTANTLY birthdate -- b/c that was the reason they gave for needing the passport or birth certificate in the first place, to VERIFY MY BIRTHDATE. This HIGHLY sensitive document is NOT something I think ANY private company is entitled to - and I have NEVER had ANY merchant processing company, or ANY company for that matter, EVER request. This company requested a copy of my passport FOR THE STATED PURPOSE ONLY of VERIFYING MY BIRTHDATE. The passport copy I sent DID THAT -- BUT this company's underwriting dept declared that I had submitted an 'altered' document because I kept my passport number private. It is WHOLLY RIDICULOUS to label that as an 'ALTERED DOCUMENT'. Commerce Payment Systems underwriting dept ALSO referred to our booth picture as ‘mismatched documentation’ on our company name, because of the banner with the trade name of our merchandise, and our company name on a separate large sign in the background – another WHOLLY RIDICULOUS assertion. ADDITIONALLY, this fraudulent company NEVER, even during that two-week interval BEFORE the second request for additional verification info, deposited ANY of the credit and debit card proceeds into my account - DESPITE ADVERTISING the quickest turnaround in the industry! This company, AT A MINIMUM, owes me FULL INTEREST EARNINGS on the proceeds withheld for over 7 months (even longer, by the way, than the six months their underwriting dept  advised me when they sent an email regarding closing my account; apparently and obviously, this company SEEKS to freeze customer accounts and then will just sit on them, earning interest, unless and until the customer calls outside attention to it.) They made NO EFFORT AT ALL to get my funds to me even AFTER the six month period of holding onto my proceeds specified by their underwriting dept. – which was done in the first place supposedly to "protect me". What **! It is obviously no accident that this company has an 'F' rating with you!! Their M.O. is to scam businesses, sit on their funds for as long as possible while collecting interest on them, AND, IF they hit the jackpot, retain all the funds from any business that just walks away from their con tactics. I would have responded with my Revdex.com and NY Attorney General complaint MUCH SOONER if I hadn't still been busy with the ongoing Fair season, AND if my wife hadn't filed a divorce petition and summons in the interim, keeping me busy.However, I think this company owes me EVEN MORE under the law for Breach of Contract - ie. damages. So I think I will let my complaint already sent to the NY Attorney General's Office of Consumer Affairs play out for a LONG-OVERDUE FULL CRIMINAL INVESTIGATION OF THIS COMPANY, rather than letting this despicable company off the hook by just FINALLY giving me WHAT THEY OWED ME to start with OVER SEVEN MONTHS AGO!! Hopefully, they will face punitive actions by the AG's Office, as well they should. With an 'F' rating, they shouldn't still be in business to prey on MORE unsuspecting merchants. DESPICABLE PEOPLE!
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,[redacted]

Hello [redacted],Thank you for submitting this information, with this merchant information we were able to further investigate the cause of the debit. In conclusion when you had initially set up your merchant account, your account was set up as a Sole prop. After speaking with the underwriting department, it was concluded that your business is an active LLC. Due to this your are account was then set up as an LLC due to tax id number update in which will effect the year 1099k form. This explain why the sole prop account remained opened. When the cancellation request came it was for the LLC merchant account. We deeply apologize for the inconvenience and for the miss communication this has caused. I have confirmed that all refunds have been issued and also your merchant account are officially closed. We tried reaching out to you several times to provide you a courtesy call to address the issue at hand.David D[redacted]

Revdex.com:
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, [redacted]

In response to this complaint
 
First on behalf of Commerce Payment Systems I would like to
apologize for the inconvenience this has caused you.
 
After carefully reviewing your merchant account, the...

debits
were blocked from your bank, meaning they were never successfully debited. (please
see proof in form of attachment)
 
Due to this no refund will be issued.
 
Please be advised that your merchant account has been
closed.
 
Commerce Payment Systems values your business and truly
apologizes for this inconvenience. We truly hope this satisfies your issue, if
it does not please feel free to email me at [redacted], or you can call me
directly at ###-###-#### and ask for me by name.
 
Thank you
 
[redacted]s

Revdex.com:
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:
I just sent commerce bank a response letter to try to clean up there inappropriate charges I will not let this go I feel they took to much moneys for a charge of 2242.62 they took over 233 dollas an change held my money for 3 weeks then I closed my account in January an febuary * they took out 96.74 from my account again sayin it was charges for what was the charge for I did not hav any more credit charges these people are taking advantage of my business I would like for it to be fixed any questions …call me [redacted] Cortland flooring ..

In response to this complaint
 
First on behalf of Commerce Payment Systems I would like to
apologize for the inconvenience this has caused you.
 
Refund was issued for the dispute amount  of...

$118.00 please allow 48-72 hours to have
your bank post the refund. Please see proof of the refund in form of attachment.
 
 
Also the funds that were processed were also released to your
bank account.
 
Your merchant account has been officially closed.
 
 
Commerce Payment Systems values your business and truly
apologizes for this inconvenience. We truly hope this satisfies your issue, if
it does not please feel free to email me at [redacted], or you can call me
directly at ###-###-#### and ask for me by name.
 
Thank you
 
[redacted]

Revdex.com:
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 becausI have read your response and I cannog in good conscience accept what was said.  Even though I did receive the refund as you said you would do.  You say you are stepping up to the plate? I believe to only reason that a refund was issued is because of the negative publicity of a negative Revdex.com report.  You say that the fees charged was in my contract?  So then you admit that what your sales people state differs to what is actually charged.  No one will agree to pay 31+ dollars a month, in addition to undisclosed charges from [redacted].  Also, you say that I never officially cancelled?  Not only did I officially cancel, but the proof of the cancellation is attached.  I was willing to let everything go, then you had the audacity to make these false statement to make yourself look good.  It is obvious that I am not the only victim of you company.  You have a pattern of deception.  I want all of my data, contact information, bank information permanently removed from your system  immediately!!    
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

On behalf of Commerce Payment Systems, I want to deeply apologize for any inconvenience that this may have caused. Not sure what the miscommunication was, but we're going to make sure that this never happens again. We're processing the refund in the amount of $39.90, and this should hit you bank...

account within 1-2 business days.

In response to this complaint. First on behalf Commerce Payment Systems I would like to apologize for the inconvenience this has caused you. After carefully reviewing your merchant account, according to our records, all rates and fees have been charged as per contract.  Nonetheless for this inconvenience we will be refunding a the full dispute amount of $330.00 this will be deposited to bank account we have on file under bank account ending in 3006.  Commerce Payment Systems values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if it does not please feel free to email me at [redacted] Davor you can call me directly at ###-###-#### and ask for me by name. Thank you [redacted]   Thank you [redacted]Description: Commerce