Commerce Payment Systems

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, this
account has been actively processing for over 4 months , in January alone a
total of  $2,242.62 was processed.
The rates and fees have been charged as per contract.  Due to this no refund was approved by mangt.
Please be advised 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]

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.
 
All rates and fees have been charged as per contract...

and
memos placed within the merchant statement.
 
Nonetheless to place this issue aside refund has been
processed for the dispute amount totaling 288.00 two separate deposits of
$151.50 and another of $136.50, please expect refund to post within 48-72 hours
to the bank account we have on file.
 
Please note your merchant account has been successfully
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]

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 in effort to place this issue aside a full
refund has been issued for the dispute amount of $129.00, 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 ###-###-####
 
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 and/or memos placed within your
merchant statement.
 
Nonetheless the fees were never deducted from the bank account
due to reason code insufficient funds. We have written off the negative balance
on our end. Therefor there is no money owed.
 
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 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, all rates
and fees...

have been charged as per contract.
 
It is the merchants responsibility to close their merchant
account and all related gateways. Unfortunately we cannot refund fees charged
by [redacted] because the merchant forgot to close their merchant gateway
account.
 
As per mangt refund has been declined.
 
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 because:

[A portion of the funds has been released, however they took a very large amount, over $190 for fees as well as debit my account for an additional $78.25 for more fee for one transaction!
 
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.
 
After carefully reviewing your merchant account, all...

rates
and fees have been charged as per contract all rates and fees have been charged
as per contract.
 
Nonetheless a refund has been issued for dispute amount of $108.90
please expect refund to post within 48-72 hours to the bank account we 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 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 $180.00 this will be deposited to bank account we have on file under bank account ending in [redacted]. Pleas expect this to be deposited within 24-48 hours.  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]
  Thank you [redacted]

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

Payment Systems takes pride in working to resolve any concerns of our customers. Upon receipt of this complaint, a Manager contacted [redacted] and we let him know that we looked into his concerns and found that we did indeed owe him a credit of $804.20 for charges that took place after his equipment was returned with a signed cancellation request.  We have issued the credit of $804.20 to the merchant and [redacted] has confirmed that he has received those funds. And also per [redacted]’s original request, we have terminated the account as of December [redacted], 2016.  At this time we feel that 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

The complaint was forwarded to Commerce Payment Systems and below is their response.
Sincerely
[redacted]
In response to this complaint, first on behalf of Evolution Bankcard I would like to apologize for the...

inconvenience
this has caused you.  I personally contacted [redacted] and explained that the rates and fees have been charged
as per contract. As per our conversation, seems as if there was mis communication between the sales rep and the merchant.
 
Nonetheless in effort to address the issue at hand, a full refund has been issued for the dispute amount. Please expect refund
to post to the bank account within 48-72 hours. The merchant account has been officially closed.
 Evolution 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]

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 account, all rates and fees
have...

been charged as per contract. Nonetheless in effort to place this issue
aside a full refund has been issued for the dispute amount of $257.90. Please
expect funds to post within 48-72 hours 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.

In response to this complaint
 
First on behalf of Commerce Payment Systems I would like to
apologize for the inconvenience this has caused you.
 
All rates and...

fees have been charged as per contract and
memos placed within the merchant statement.
 
Nonetheless to place this issue aside refund has been
processed, please expect refund to post within 48-72 hours to the bank account
we have on file.
 
Please note your merchant account has been successfully
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 find that this resolution is satisfactory to me and the matter has been resolved.
If this company touches our bank account again I will be forced to take additional actions against them.
Sincerely,
[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:  It is simple and cheap for a business to issue an apology.  I don't see any evidence that the company took any action against the manager (I assume that the employee who handled my case was simply following orders) responsible for the practices and policies that I encountered.  I had previously been approved by a card processor, and have subsequently been approved by another processor, without any intrusion into my personal data and my customers' personal data as was required by Commerce.  I also found the other two companies sales personnel to be helpful and willing to explain why particular information was required.  Without management changes, I'm sure that future applicants will be forced to endure the same harassment that I encountered.

[Your Answer Here]
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[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]...

The only written documentation I have is the mailer I received from Commerce Payments. I have attached a portion of it. I have never received anything from them, not a contract, not a payments record, nothing. When they took money out of my account ($67.35)  instead of putting it in I blocked...

any further withdrawals. I then received a voice mail from Patsy at [redacted] complaining about the block because they wanted to take more money out of my account. (I have attached a transcript of this voice message).  I returned the call and spoke to a representative of [redacted] who confirmed that Commerce Payments is a subsidiary of [redacted] and that they handled all their financial transactions. I now know that [redacted] is responsible for all the actions taken by Commerce Payments and must be the one holding the money I processed through them. They are clearly the ones taking the money out of my account. I agreed to have this company handle my credit card processing based upon the terms clearly specified in the mailer I have attached. These terms were confirmed in a call to the sales representative (Carolyn G[redacted] who confirmed there are no start-up costs and no cancellation fees. The terms were a monthly service fee of $4.95 and a transaction fee of 1.39%. I sent them a fax on 8[redacted]/15 cancelling my account as they instructed me to do, I was told again at that time there would be no cancellation fee. I have processed $595.00 through them and received none of it. I was told in my call to [redacted] that if I did not remove the block I would never see any of that money. This is clearly inappropriate as these moneys were paid to me for my service. I want the money they processed minus the agreed upon fees. In my calculation they owe me $581.78.

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you.  After speaking with [redacted] over the phone, although all of therates and fees were charged as per contract, it seems as if there was a miss...

communicationin reference to the rates and fees he was schedule to pay. I did provide a copyof his contract for his review and pointed out what his scheduled fees are.Nonetheless we have placed [redacted] on a VIP plan for his inconvenience andapproved the dispute refund amount of $800.00. The refund will post to the bank account we have on filewithin 2-3 business days. 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]