Commerce Payment Systems

Review: I recently opened a credit card processing account with Commerce Payment Systems. I was sent an email that Commerce Payment systems that my terminal was on the the way and congratulations on our new account with them... The terminal came and I waited one week to begin using it (being cautious with a new account) and even called after my first batch settled to make sure our account was fine.. Checking my bank account (days later) I realized they were holding my funds (I have multiple business accounts with Chase and have used Square with ZERO issues). When I contacted Commerce Payment Systems, they transferred me to [redacted] (who was quite rude) who said they still needed a correct phone number of our company and an a phone bill to verify our phone number and that I had been left a voice-mail concerning this. I NEVER received a voice-mail. I ended up having to ask for her [redacted] numerous times as she was quite combative before getting transferred to [redacted] who was helpful.

Why I was not contacted in the week after getting the terminal to notify me there was an account issue?

Only after I began using it was I notified. (you can read this complaint from others, as this seems to be a common practice for CPS)

I am writing this because my account is still on hold and I want resolution and $68.00 in bank overdraft fees refunded.Desired Settlement: I want my account unfrozen and a refund for the $68.00 in Overdraft fees that I incurred due to the mess created by CPS.

Business

Response:

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 a full refund has been issued for the dispute

amount in effort to rest this issue aside. Please expect refund to post within April merchant statement.

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

Consumer

Response:

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 have received no refunds or responses from anyone at CPS. They have not replied to emails or phone requests.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

In response to this complaint

Mentioned on the previous response refund has been issued for

the dispute amount of $68.00.

Customer Service line is open 24 hours a day. Our tool free

number is ###-###-####.

Thank you

Review: I have a consignment art shop that moved to a new location in August of 2013. Our average ticket size in both locations stayed pretty consistent at $55-$85, and almost all transactions are swiped.

My baseline discount rate with Commerce Payment Systems was contracted at 1.40%. There is a swipe fee of .10 per transaction, plus .05 AVS surcharge fee per transaction. It says in the contract that there may be (the usual) surcharges, for small tickets (.49%), Discover charges (.50%), mid-qualified cards (.60%), and non-qualified cards (1.33%), association and assessments (.11%). However, it came to my attention at the end of December that Commerce Payment Systems was taking 7.5%-8% of my vs/mc/discover credit card sales in each of October, November, and December). Swipe fees and annual charges were removed from the equation, so the percentage is strictly the percentage that Commerce Payment Systems kept from total credit card sales. I called to ask why my rates were so high, and they told me that because my sales volume was higher in those months, they increased my rates, and with that one phone call, they did then reduce my rate. However, I have discovered in August and September, they were also charging me 6.0% and 7.4% respectively. (I just tried to access my account so that I could write here what my new rate is, but I am blocked from my account. It says that I tried to access it with the wrong password 3 times, when in reality I used the correct password the first time and was blocked after that first attempt.)

I should mention that Commerce Payment Systems also conveniently doesn't tell you how to access your statements (they are only online) until you call and ask. With the craze of moving my business and multiple health issues, I unfortunately didn't catch the problem until later.

I called and went through all the numbers in detail with a customer service representative, who agreed it was definitely 8% that I was being charged, and suggested I submit a claim to upper management, which I did. I was told I would hear back within one week, and 10 days letter I have not heard back. I called again and asked to speak with management, and was put on hold for 10 minutes before being put in voice mail. I have not heard back.

I looked up averages for what most companies are charged for credit card processing fees overall--in other words, percentage of sales a business owner can expect to lose overall from credit processing--and the answer is up to about 2%. I am being charged 7.5%-8%, and no one seems to ba able to or willing to give me an answer as to why. I feel I have had about 5.5%-6% of my sales revenue stolen by Commerce Payment Systems.Desired Settlement: I would like to receive a refund for the amount over 2% that Commerce Payment Systems kept each month, which is more than fair, as I will leave AmEx sales out of the equation, in addition to the terminal fee and the yearly fee. Here is how it breaks down:

August: 4% of vs/mc/disc sales= $343.04

September: 5.4% of vs/mc/disc sales= $502.08

October:: 6% of vs/mc/disc sales= $544.80

November: 5.5% of vs/mc/disc sales= $894.14

December: 6% of vs/mc/disc sales= $2842.26

TOTAL refund desired = $5126.32

Business

Response:

Review: On August [redacted] 2013 I signed up with this company which I was explained to by [redacted](only information that I have with his name) that I would only be charged a monthly fee in the amount of 10.00 per month and that I would not get charged until the day I start ,to use the product. As of today I still haven't used the product as I have put my business on hold. After reviewing my bank statements I notice that I was charged a few times in the amounts of 30.00 on 11/*/13, 64.95 on 10/*/13 and 120.00 on 12/*/13 which all charges should of not had been charged. I was never told that I would be charged a processing fee nor that I would be charge a fee which would be paid for them to report to the IRS. Well at least these were the 2 reasons that I was given when I spoke with a man named [redacted] on 12/*/13. I have been refunded for the amounts of 120.00 and 30.00 but still waiting on the amount of 64.95. I never received any phone calls nor email. I have also made 2 attempts in calling today but no one would pick up. All I got was music playing for 25 minutes straight and for 45 minutes. I have sent an email again today. I still have yet to look into my bank statements for the months of August and September. There might be other charges. I have been lied to and I do not wish to continue to do business with this company. I don't think this is the right way of running a business.Desired Settlement: To receive full refunds and to have them pay for the insufficient funds to my bank account. Also an appolgy

Business

Response:

Review: I received the credit card terminal, never activated it, and returned the terminal after learning that they required I have 3 ID numbers for my business which meant if a client wanted to buy something in addition to my services I had to run the card again. I would have been charged 2 and 3 times in order to make a transaction for my client. I found this to be inconvenient and unnecessary. So I called and spoke with their customer service rep and proceed to return the terminal. I have confirmation they received the terminal in October. They have charged my account 3 time in October 2013 and again November [redacted] 2013 so they have yet cancelled my account. I have several emails requesting cancellation, sent them the cancellation document they required and spoken wit customer service on many occasions. I have requested refunds from the 3 charges in October and again in November. They have yet to correspond with a confirmation of the cancellation or refunds. I will continue to contact them daily!Desired Settlement: I would like my account not to be charged and all monies refunded at once.

Business

Response:

Review: Two month ago I set a merchant account with this company,but they asked so many private ID which I gave all to them ,but they still hold my account did not active it,in the mean time they charge my every month,after two weeks I canceled my service and faxed twice cancellation forms to them but they didn't reply anything back to me and still charge me ,the ridiculous thing is they charge me more than $150 for nothing ,I did't use their service at all and I cancel it long time ago but they choose ignore me and keep taking money from my account,they are the worst company I have deal with and they are fraud,they cheat customer and they are difficult to reach the customer service,please don't use their system and they are the bad credit card company.Desired Settlement: refund my moeny as soon as possible and send me the cancel confirmation.

Business

Response:

Review: Company guaranteed certain monthly charges and "not to exceed" minimums on my monthly balance. I was not processing cards yet, and they jacked the fees up without notice simply because I was not using the machine or processing cards. So I called them to put the account in dormant status until I needed to start accepting cards. After that they then hit my account with another $99 fee after I was promised that nothing else would be charged to me in its dormant status. I also requested a refund of the $99 since the account was supposedly on hold. The very next month(07/**/13) my account has once again been hit with a $4.95 fee!!!!! This company tells bold face lies to get you signed up and then charges fees for whatever reason they decide. I never processed the first bankcard and they constantly charged me for things. Then if you call them, you have to wait for an hour to get through to a rep that immediately puts you back on hold.Desired Settlement: I want my $99 and $4.95 refunded to my account ASAP

Business

Response:

Review: On February [redacted], 2015, I applied for a merchant account with this company through salesman Jay L[redacted]. I was told there was a monthly fee of $4.95 with the first 3 month waived. I thought this was a good deal and I quickly signed up. I was approved quickly and I believed I was on the right track with this company. Soon after, I was contacted by Underwriting telling me that my account was locked because they needed a business account instead of a personal account to deposit the funds into. The reason I gave them a personal account was because the salesman Jay L[redacted] said that it was ok to do so because I did not at the time have a business account and it would take too long to set one up. I guess he wanted his commission quickly. I was puzzled as to why the account was even approved in the first place since the application had to go through underwriting to get approved. I complied, got a corporate account and supplied them with the information. But my account was still locked. They kept giving me things I had to do to unlock my account. To make things worse, I found out that the three month free trial was NOT true. They didn't charge me $4.95 but $25.98 on April [redacted], $9.39 [redacted] Charge on April [redacted], $31.90 on May [redacted], $5.00 [redacted] Charge on May [redacted]. They failed to tell me that they were signing me up with [redacted] and that there would be an additional charge for that. There were multiple requests to rectify things with my company to lift the locked status. They even held onto the test deposit I made. I complained to customer service in April about the charges and they said they would refund one month. When that didn’t happen, I called them back and rep had no idea what I was talking about. Being drained from all the multitude of requests, another request came to me on May [redacted]. This is when I decided I had enough and desired to switch to another merchant service because this merchant account was useless to me if it is locked. After everything was cancelled, this company had the nerve to charge my personal account again on July [redacted] for $31.90. There wasn't enough to cover it so my bank charged me a $30.00 penalty. While all of these charges were going on in my personal account, charges were also being made in my business account. Businesses like this should be beamed off the planet. I am looking to recoup all the funds stolen from my account. Since I am local to this business, starting a small claims suit would be quite easy. Beware of this company!!Desired Settlement: Refund of all the funds taken from my account and the bank penalty they created

Business

Response:

First, on behalf of Commerce Payment Systems I would like to apologizefor the inconvenience this may have caused you. After carefully reviewing your merchant account all rates and fees have been charged as per your contract. Also, we never received a cancellation form, or an authorization from you to close this account. Nonetheless, we're stepping up to the plate and refunding the amount disputed of $129.53.Nothing matters more to us than your complete satisfaction. Please be advised that this refund will post to the bank account that we have on file within 2-3 business days.Benny C[redacted]Commerce Payment Systems[redacted]Gen. Tel: ###-###-####Dir. Fax: ###-###-####

Consumer

Response:

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,

Consumer

Response:

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 error was mine. I submitted the wrong document. The correct one is now attached which proves that my merchant account was officially canceled when another debit from my account was attempted...

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

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]

Review: I was looking for a credit card processing company, I started the process, but did not finish setting up an account. I have sent cancelation requests and my checking account has been debited fees by the company. I was never even fully set up with them, but they are charging me. The internet is full of complaints regarding their business practice which is why I wanted to steer clear of them.Desired Settlement: I want my money returned!

Business

Response:

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 contact. Secondly no cancellation

request/form have been submitted.

Nonetheless, in effort to address the issue at hand a full

refund has been issued for $24.95. Please expect refund to post back to the

bank account 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.

Thank you

Review: Commerce Payment has consistently provided incomplete information via telephone service repeatedly.

I am a new business owner. I bear some responsibility for not reading as completely as possible all of the details regarding charges made to my account.

However, when verbally confirming changes, information has consistently been omitted after my expressly asking about it, ie lying directly or by omission.

Specifically:

- I suspending my account for three months. I asked if the charge would continue after that at the same rate and was told Yes. In fact, it had nearly doubled.

- I was told that I could keep the suspension on my account until my business was on track again and I needed the service. This is partly my responsibility for not confirming in writing that I had to renew this service, but I was never told that it was necessary. It sounded like a good service for as long as it took, not requiring renewal every three months.

- When I cancelled the service, I was told that the system would indeed charge me for the final month, even though I would not be using it. I had no choice to agree to this. I was not told that I would also be charged for a $99 federal fee that was charged to ALL account in March, even though I was not using the service, and had already cancelled it. Again, omission, lack of clarity. I was told that the final month would be my only charge, and all I had budgeted for.Desired Settlement: I would like for both the final month's billing payment AND the $99 to be refunded to me for service not used, after the cancellation date.

I do accept part responsibility for not reading details, however the consistent omissions are too costly to bear, and more than my limited experience must bear full responsibility for.

I have learned exponentially through this, yet also know that I was taken advantage of by customer service being definitely incomplete with information when asked directly.

Thank you.

Business

Response:

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 $123.95. 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

Consumer

Response:

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.

As a new business owner, I greatly appreciate your assistance.

Sincerely,

Review: As a business, I decided to enter into an agreement with Commerce Payment, DBA Evolution Bankcard. After receiving the equipment, I attempted to start setting up the account so we could begin processing cards. After being billed for things not agreed to and several problems attempting to solve pre-processing issues, I decided to cancel our agreement before processing a single transaction. I sent in my cancellation request on 02/**/2015 and returned their equipment via UPS. On 04/**/2014 I discovered they had debited my account for two amounts, $118.95 and $114.00. I contacted the customer service number and spoke with someone who called themselves [redacted]. I was told by refund had been requested and was pending approval. On 4/*/14, I called to follow up and spoke with "[redacted]", who told it be the refunds had been approved but would be 10 more days coming. I asked to speak with a [redacted], was told none were available and that I would receive a call by the end of the day. I did not. I then contacted my bank to dispute the charges, stop payment and ask to stop Commerce Payments from being able to debit my account for any more amounts. On 04/**/14, I called again. Spoke with "[redacted]". They said they did not process my refunds because I asked the bank to stop payments. I explained they had already removed the funds from my account. I asked to speak with a [redacted]....none available. I was then told that I had two additional refunds due in my account at the end of the month. One for $15. and one for $68.95. I found this to be curious because nothing accept the original two debits had transpired. I was also told that I needed to fax in my bank statements in order to proceed with the original refunds I was due. I refused, let them know I now understood this to be a scam and was moving forward with my attorney.Desired Settlement: I would like the following resolution:

Two refunds in the amounts of $114 and $118.95 via certified funds (made payable to the bank the unauthorized ACH debits were made from).

A written apology from Commerce Payment Systems.

Evolution Bankcard to be exposed as the scam that "they" are.

The Revdex.com to warn everyone of this specific company.

Business

Response:

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

Consumer

Response:

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 would still like to have a written explanation in regards to why the two inappropriate debits were made in the first place. As well as; why I was never able to speak to a [redacted], nor were my calls returned "by the end of the business day" as promised.

I did in fact stop payment.....and incurred a $25 fee for doing so at my bank. I would like this cost refunded in certified funds. These funds were held from my use during the dispute process which I should have never had to do in the first place.

I would also like a written explanation as to why I was promised additional refunds (on 04/[redacted] by [redacted].

Thanks for your quick response. Once I have a full understanding of the actions taken by Evolution and have been made whole by receiving my $25 stop payment fee back, I can consider the matter properly handled.

Thank you.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

In response to this complaint

We truly apologize that you feel this way.

Please advise your merchant account has been officially

closed.

Thank you

Consumer

Response:

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:

Unfortunately it looks like we have come to an impasse with Commerce Payment Systems over a mere $25. I find it incredulous that a company which is fraudulently removing funds from multiple merchant accounts would draw a line in the sand over $25.

I could have easily requested much more compensation including legal consultation fees, but chose to take the high road and only ask for actual bank charges incurred due to Commerce's poor and faulty business practices.

It is regrettable that companies feel it is best to take advantage of and abuse other smaller businesses and private individuals.

I will consider whether to pursue the matter further, and in a different venue.

Thank you to the Revdex.com for assisting me in the best way the can.

Sincerely, [redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Review: On July **, 2013 I signed up with Commerce Bank Payment Systems (Evolution Bankcard) for my business Estrella Mountain Preschool. They originally told me that the cost to run credit cards would only be 1.39% then when the actual charges came through they added lots of hidden fees. Before signing up I specifically asked the sales person if there would be a fee for PCI compliance and was told in a written email, No. Yesterday, October [redacted] I checked my bank account and saw they withdrew $99 for PCI compliance. I emailed them a copy of the email that was sent to me by their representatives but have not received a credit. Additionally they charged me $19.99 monthly fee for the month of July even through our service was not to start until August. When I contacted their service office, they told me that they would credit that amount back immediately,. To this date, I have not received this credit and it has been over a month. I cancelled with them on September **, 2013.Desired Settlement: I am requesting the refund of the PCI compliance fee and July month fee. A total of $118.99.

Business

Response:

Review: Back in May 2013 we contacted Commerce Payment Systems to set up our Cabin business to accept credit cards. After pulling my credit multiple times, we were set up about 80% of the way. They were requireing some documentation that I never supplied to finalize agreement. We never processed and payments and called to cancel in July after we noticed new charges and some claimed master card charge.. We called again on Augut [redacted] after we discovered more debits to our checking account. They asked me for a cancellation and I forwarded one to then that day. I also requested a refund of money taken from our account and was told that it had been forwarded to 'management' and it would reflect at the next billing in September. On September [redacted], they billed us agian. This time there were extra charge again because of master card and I again had to send in a cancellation form. This time I emailed it. I am out over $150 with this company and expect them to refund that amount. Services were never finalized and never used.Desired Settlement: I would expect a full refund of all debits from my account.

Business

Response:

Review: They have lied to me and misrepresented their service from the very beginning of our association.

I registered for their service at the beginning of Sept, 2104. My account was not “verified” by their business office until January 2015 and I was not able to use their service until January, but I was charged a monthly fee every month from Sept onwards. The referral bonus still has not been credited to the person who referred me.

I called to find out what was going on at the beginning of April, when I saw the $178.17 debit from my account. It was only at that point I was told all information about my account and the fees being charged had been sent to an email account I do not own and have no access to. I cancelled my account then and there.

I took everything to do with Evolution Bankcard and threw it in the dustbin, thanking my lucky stars I was no longer using their service. Imagine my surprise when I recognised the ID code in a debit from my account for $21.95 on June *. When I called to inquire, I was informed I would have to return the swipe terminal, otherwise I would keep being debited and my account would not be closed, which is extortion.

I told the young man I do not have the terminal, I threw everything away, and that I wanted to speak with a [redacted]. His response was that there was no [redacted] free to talk to me. When I insisted I needed to talk to a [redacted], he transferred me to a voice mail for [redacted]. The message said I would be contacted within 24 hours. I have heard nothing, no phone calls, no messages, no texts or emails.

- I was not allowed to speak with a [redacted], or given the option of waiting til they finished their call.

- When I registered for their service, I was not told about fees, they were hidden from me.

- They did not check with me about any email address. I have one and one only, and have had for years.

- I was not offered an option of email or paper statements.

- They sent information about my account to an email I do not own and have no access to, which is a clear abrogation of the laws regarding transmission of confidential financial information.

Sept *, 2014 - $15.00 (monthly fee)

Oct *, 2014 - $15.00 (monthly fee)

Nov *, 2014 - $15.00 (monthly fee)

Dec *, 2014 - $114.00 (monthly fee + minimum transaction fee)

Jan *, 2015 - $15.00 (monthly fee)

Feb *, 2015 - $15.00 (monthly fee)

Mar *, 2015 - $15.00 (monthly fee)

Mar **, 2015 + $153.74 (client payment $162.50))

Apr *, 2015 - $178.17 (monthly fee, minimum transaction fee, security upgrade fee)

May *, 2015 + $102.50 (client payment $112.50)

Jun *, 2015 - $21.95 (monthly fee)

________ _________

- $404.12 + $256.24Desired Settlement: My account be closed immediately.

No furthur fees debited from my checking.

A full refund of all monies debited - EXCEPT the 1.75% transaction fee on the two client payments I actually processed through the company.

The $200 referral bonus credited to the person who referred me in Sept 2014.

Business

Response:

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,

*

Consumer

Response:

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:

Though Evolution BankCard has promised to refund the monies debited from my account, which part of their response I accept, they have NOT promised to close my account permanently, which is crucial. Nor did they ask for the name of the person whoreferred me - [redacted]. In addition, they have not accepted any responsibility for sending confidential financial information to an email account that is not mine, which I believe is an abrogation of SEC rules.

Sincerely,

Business

Response:

Thank you again for taking the time out to talk to me about your concern today! Please let this email serve as a confirmation that your accountis fully closed, and that you will never see a charge from our company again. Please also see attached statement showing that the credit was processed for [redacted]: The Healing Circle. We keep all referral information well documented in our system, and that's how wealready knew what account to apply it to. We processed your refund, and hers, on June [redacted] and we were able to confirm that you received it.The only email that we have on file is the one that we confirmed over the phone. We have no other email for you in our records. Once again, I deeply apologize for any inconvenience that this may have caused!As per our conversation, please feel free to contact me directly at anytime. [redacted]

Review: March **, 2014

TO: Evolution Card System

Cancellation Department

Customer Service Department

Sales Department

Revdex.com

RE: Cancellation Request for Acct #[redacted] Cancellation Request for Acct #[redacted]

I am going to write this once and then just keep re-dating it and sending it out. Here are the facts

and I am attaching files for each item.

1. I signed agreements for your web services and for a smart phone service on March **, 2014.

I do not have copies of those contracts -- all I have is the link to initially go to the

contract. I have gone through every e-mail and can find nothing that would allow me to

get copies of contracts. I would really appreciate copies. Because I have no contract

copies I don't even know which account number goes to the web site and which goes to

the smart phone account.

2, The day I signed the contact there was a huge discussion about whether or not you were

compatible with Windows 8 Phone. After a lengthy discussion and my sales agent

working with his boss they determined that I could use my Windows 8 phone. When I

got the "device" it was an Android. I called the number on the paper in the box and

spoke to someone in tech support. (If I had known the nightmare this was going to

become I would have kept a phone log with date, time and person I spoke to). The

person I talked to that day told me emphatically Evolution was NOT compatible with

Windows 8 but they could offer me something else BUT I had to call customer service. I

asked what I should do with the Android "device" and he told me customer service would

walk me through everything. I had to leave for work and didn't have time. I believe that

was a Friday, February **.

3, The following day (Sat. Feb **) I called the number again since it was the ONLY number I

had. I reached tech support. I explained what happened and that I was trying to reach

customer service. He seemed surprised and told me the number I dialed should have sent

me to customer service BUT he claimed I could use the Android device on my Windows

8 phone. I told him I needed to talk to customer service and see if they could help me

resolve it. He transferred me and I got a message to wait and then a message to leave a

message and they would return my call as soon as possible. (I don't think your customer

service department exists because I have yet to get a response from them.)

4. I never got a return call from customer service so I called the number a second time later that

day. It went straight to tech support. This time I was told Evolution was absolutely NOT

compatible with Windows 8 and they should have never sent the Android device to me.

He transferred me to customer support. I got the same message to leave a message and

they would return my call. So I left a message. By this time I was getting VERY

frustrated. 1) I felt I had been lied to about the Windows 8 computability and 2) I was

rapidly loosing trust in your company because of the conflicting information from the

tech department and the "no response" from customer service.

5. Monday, Feb ** I tried calling the number again -- I had been told by two people that the

number would get me to customer service. It did. I got your nice little message to wait

and then it disconnected me.

6. After I hung up from that call decided to call back and see if I could talk to someone in the

tech department to clarify this confusion about Windows 8 phone. I connected with the

tech department. This time I was told that your company had been using the Android

with the Window 8 phone but that there were so many problems they were no longer

selling it as Windows 8 computability and that I should have never been sold that service.

I asked how to fix it -- guess what CUSTOMER SERIVCE.

7. So, Monday, Feb **, I called customer service once again before I went to work only to get

the message about leaving a message. I left yet another message. No response.

8. Beside myself with what I was going to and unable to communicate with customer service,

who I was told was the only department that could fix my problem, I sent an e-mail to

the sales agent I had worked with. I WAS NOT HAPPY!!!!!!

9. Tuesday, Feb **, I once again called the number I had and it went to customer service. Once

again I got a message to leave a message and they would get back to me. I exploded.

From here on I can't really give you a very exact time line. I know I called the number

again and this time it sent me to tech support. Once again I was told there was no

computability with Windows 8 and customer service was the ONLY way to resolve the

issue.

10. There were more calls and finally I was through. I wanted all of this canceled. I called the

only number I had and, once again, got tech support. I was so raging furious they

connected me to the cancellation department. I received I have no idea what day it was

and I can't find the e-mail with the copies of the cancellation form. But I did get the

forms. ALSO, during all of this I learned that only the original call to tech department

was recorded and is in my file. All of the other calls don't exist which is bad for your

company because if they had been documented you would know of the lack of

consistency within that department of the status of Windows 8 computability. As a result

you won't fix it and someone else will go through this nightmare.

11. On March * I faxed the cancellation forms to the number on the form and I mailed the

Android "device" back to you. (I have copies of my shipping receipt and the tracking that

shows date of deliver as March *)

12. The following week I hadn't heard anything and decided to call after I balanced my

PERSONAL bank account. I discovered there were two charges from Evolution. This

was March **. So, I called the number I had been using for customer service. All I got

was a message to leave a message and they would call me back as soon as possible. I

was so furious I can't remember whether or not I left a message.

13. I called the number again and this time it went to the tech department who transferred me to

the cancelation department. I was informed they had never received a fax from me nor

had they received the Android device. As to the charges he responded in a tone reeking

of arrogance, "well you signed the contract". I told him I never got copies of those

contracts. By this time I was "over the top" furious. In response to his arrogant attitude I

screamed at him that if I could reach through the phone I would strangle him. (I was also

extremely ill which I will explain later). He asked me to re-fax but my fax machine is

broken that is why I was using a UPS store. He told me to take pictures of my paperwork

with my phone and e-mail it to the cancellation department. As I was taking the pictures

I realized the UPS store had the wrong date and time stamp. So in spite of being

extremely ill I went off to the UPS store. They had known it was off and by the time I

was done they had figured out how to correct it. They wrote a note on one of the pieces

of paper work I sent stating that it was their mistake that the initial fax had an incorrect

date and time stamp. They refaxed everything again. I took all of my picture, including

the new fax information, and e-mailed that to the cancellation department.

14. Then I decided to e-mail the sales agent and ask him for help in contacting customer service

to get all of this rectified. He sent me their e-mail.

15. Today is March ** and I have yet to get a response from the cancellation department nor

customer service. I don't think your customer service department exists.

I am attaching copies of the following:

My original cancellation request forms for the TWO accounts.

Note from UPS store that I did fax on March * but the time/date stamp was incorrect.

Copy of the 2nd faxing of cancellation request on March **

A copy of the shipping receipt and tracking information showing delivery of the "device"

on March *.

There is absolutely nothing I can do. The level of incompetence from your company exceeds anything I have ever seen:

1. Your departments don't communicate. The one had has no idea what the other is

doing including within departments (tech department for sure)

2. I understand during all of this you had an emergency situation but why on earth didn't

you get that message out to your departments and on your phone system.

3. 100% NO RESPONSE from your customer service department. Not even with an

e-mail. Who in their right might would do business with a company that does not

respond to anything?

4. 100% NO RESPONSE from the cancellation department.

I can't go through anymore phone calls so this will be done via e-mail and fax. About the time all of this was going on I had taken a massive dose of antibiotics which tore up my intestinal tract and caused me to have intestinal bleeding which led to another drug which shut down my kidneys for a couple of days. I have been so sick I could barely get out of bed for days on end. It is improving and I decided I had to get back to resolving this whole thing but no more phone calls.

I do have to tell you the only person who has tried to help me is my sales agent, [redacted]. He has been so helpful but his hands are tied as well. HUGE KUDOS to [redacted].

Now if the cancellation department and/or customer service will ever respond.

[redacted]Desired Settlement: This has been an unbelievable nightmare. I have lost all confidence and trust in this company. I complied with their cancellation requirements. I shipped the device back to them. Yet I don't hear so much as a peep out of them. All they want to do is take money from my bank account. I am telling EVERYONE I know to stay away from this company. I know a lot of people that do craft shows and they have been looking for another processor. Originally I had told them about Evolution and recommended them but during this nightmare I've gone back and told all of them to stay away from this company. I WANT THESE ACCOUNTS CANCELlED.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

There is no record of any cancellation request being

submitted… A written request is required to close the merchant account.

Nonetheless in effort to place this merchant account aside

both accounts have been officially closed as per your request.

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

Consumer

Response:

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 in that both accounts have been canceled per the letter via this complaint. Unfortunately this is the only communication I have received regarding this. To this date I have never received a response from the cancellation department or customer service department. I counted at least 15 phone calls and 6 e-mails sent to them with no response at all. I faxed my cancellation request 4 times. I am very disappointed in this company.

Sincerely,

Review: The company has over charged me over $2000 in merchant account fees in violation of the agreement. Several requests to the customer service - all result in someone will call back but no one returns the call.Desired Settlement: Refund

Business

Response:

Review: close my account in October they receive terminal back on October [redacted]. they said account will not be closed till receive terminal. they received on oct. [redacted] but didn't close until November [redacted] charging me for November. track # for package was [redacted]. charge was $118.95, some of charge was for pci comply, which I was charged for in early 2013 with different merchant and again with my recent merchant, some charges were for the month of November. these charges were to a closed account.Desired Settlement: $118.95 plus 24.9 % on nov * 2013, for taking money on a closed account.

Business

Response:

Review: I sent this company after speaking with them, a copy of the cancellation request form emailed to me by them on 3/*/2013 .

Since that time they keep withdrawling money from my bank acount in the amount of $34.90 x 5 months. equaling $174.50 + as of today

I had to put a stop payment on my account because I cant get them to stop taking my money and that cost me $30.00 now totaling $204.50Desired Settlement: I feel this company owes me the money back in the amount of $204.50. I have the email and contract sent to stop merchant services and support my claim. This company has a very bad rating and they must be stopped! Thank you for any help you can give.

Business

Response:

Review: The company changed my account after I canceled it The company Commerce Payment systems was contracted by [redacted] which is who I agreed to do business with. They charged my account before I even started using the service. I called and canceled the account, returned their equipment which they received on 6/**/13 and then they charged by bank account again on 7/*/13. I have not even received the first refund of $48.95 before they charged $118.95. I will have to close my account to make this stop which will cost me even more money.Desired Settlement: Refund of $167.90 and if it is necessary for me to close my account and open a new one, $40 to replace my checks

Business

Response:

Review: The complaint involves billing errors, customer service issues, and contract issues. Specifically, my business applied for an account on or about May **, 2014. I received an acceptance letter on May **, 2014, however, was informed that I would only be able to process swiped transactions with the account which is not what I had discussed with the sales representative: [redacted]. In the application I had applied for an account where I could process swiped as well as mail and telephone orders at a low volume (2%). I informed [redacted] that I would not use the account until I resolved this discrepancy with [redacted]. I tried calling [redacted] a number of times and finally reached her on or about June *. She contacted the Underwriting Department and returned my call specifying that I needed another account to process my mail and telephone orders. She sent me a form to do this which I filled out and although I did not recognize this at the time this feels like a Bait and Switch since all the terms were identical to my first account but now I needed to pay fees on two accounts each month instead of one.

Once established I then used the account (I had obtained the appropriate equipment) to process a sale on June **. I then tried to process another sale on June [redacted] but the mobile [redacted] application did not work for my customer using various credit cards. I processed the sale using my other system and the charges went through without issue. After contacting technical support we resolved the issue but I've never had a problem with my other mobile credit processing systems so it appears that their mobile application is unstable. Based on this experience I decided to wait to use the account again until I saw the charge from my first sale go through to my bank. To my surprise the charge had not been processed after about a week so I contacted Evolution support and was told that a setting on the account needed to be reset and that the funds would come through in a few days. Again the funds did not arrive so I called again and was told that the Underwriting Department was holding the charge since their was no signature obtained when the charge was processed. I then proceeded to contact the Underwriting Department (the following is a summary of a series of calls over approximately two weeks) and asked if their system requested a signature when the card is processed (they didn't know). I was asked if I had collected the signature (I didn't recall as the charge had happened a week or two earlier). After a great deal of discussion I was told that in order to have the funds released that I either needed to find that customer and get a signature and send it to them or wait six months and if the charge wasn't questioned the funds would then be released. Both these options were unacceptable as the charge had occurred weeks ago. The Underwriting Department did contact Technical Support to see about getting a better view of the signature (they said there was a squiggle on the image that they could not read) but that Technical Support could not help. I tried to get both the Underwriting Department and the Technical Support department on the line simultaneously to resolve this issue but was told that this could not be done. So I contacted Technical Support and they informed me how to access my account online (this was the first I'd been told about this). I looked at my account and was easily able to see an expanded view of the signature image by opening it so that it showed up into another Browser tab. I recontacted Technical Support and told them how to do this (they didn't know - it is simply a right mouse click on the image which pops up a menu where you select to open image in new tab option). They could then see the image and contacted the Underwriting Department who could also see it so the charge was then processed after about three weeks. The gist of this is that both the Technical Support and Underwriting Department staff are inadequately trained in the use of their systems and that in order to obtain funds took me into July. I finally received the funds from this transaction on July *.

At this time due to the fees charged to me in May when we were resolving the account scope discrepancy between what I was told by the sales team and the Underwriting Department. The fees for the additional account for processing phone and mail orders (which I never used since the transaction volume was so low), the unstable mobile [redacted] application, and the inadequately trained staff which resulted in funds being held for weeks as well as hours of my time on the phone trying to resolve the issue which I did by training them I decided to cancel my accounts on July **. To my surprise I was apparently charged a termination fee on both accounts. I was told there were none by the sales team and there were no such fees listed in either of the merchant applications. The normal monthly fee is $15/account which I was expecting but I was charged a fee of $49.50/account when I closed them.

Finally, I had made a number of requests of Customer Service during June and July to resolve the fees associated with May billing and never received a response. I expected similar service with respect to the July fees so have not contacted Evolution regarding these.Desired Settlement: I would like the following refunds for account [redacted]: May fees of $15 since we were trying to resolve the coverage of the account at that time and it was not being used and the July fees of $49.50 since the account would have been closed in June if the Evolution Staff would have been adequately trained and there should have been no termination fees charged.

I would like the following refunds for account [redacted]: June fees of $15 since this account should have never been opened and should have been part of the account above. July fees of $49.50 since the account would have been closed in June if the Evolution Staff would have been adequately trained and there should have been no termination fees charged.

Business

Response:

First and foremost we want to deeply apologize for any inconvenience that this may have caused. This is definitely not the way that we operate our business. When you cancelled back in July, the $129 was for the last billing cycle on your account. Nonetheless, we're stepping up to the plate, and we're refunding the $129 that you requested. You will see this refund within 2-3 business days. If there's anything else that we can assist you with, please feel free to call our toll free customer service number at ###-###-#### for further assistance.

Consumer

Response:

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,

Review: I made in inquiry online about merchant services accounts. I received a telephone call from a person who 'pre-screened' me. He passed my information on to [redacted]). I told [redacted] that we were already processing credit cards with "Square" which had no monthly charges and took a percentage of each credit/debit card processed. He repeatedly assured me that Evolution Bankcard, in a promotional offer, also had no monthly fees of any kind and would take an even smaller percentage of each card processed. I signed, electronically with [redacted]'s guidance over the telephone, the two merchant account applications - one for our website and another for our 'brick-and-mortar' store. On June [redacted], 2014, Evolution Bankcard made two charges to our bank account, one for $15.00 and another for $19.95. [redacted] assured me this was an error and that he would send me an email explaining everything. I never received such an email. I called [redacted] several times thereafter but was never able to speak to him again. I immediately started the cancellation procedure. This was itself a lengthy and cumbersome process involving the sending of multiple faxes, most of which were not received. However, today, June [redacted], 2014, I was assured by a "[redacted]" at ###-###-#### that the 'cancellation department' had finally received both my cancellation requests and the return of the card-swipe device and that my accounts had been cancelled. During the month-long cancellation process I spoke to many people at Evolution Bankcard, none of whom had ever heard of a promotion which had no monthly fees.Desired Settlement: Refund of monies ($34.99) removed from our checking account.

Business

Response:

This complaint was forwarded to Commerce Payment Systems and I have provided their response below.

Sincerely

First on behalf of Evolution Bankcard I would like to apologize for the inconvenience this has caused you.

After speaking to [redacted], it was clear that there was a miscommunication between the sales rep and the merchant

contract. The rates and fees were charged as per contract.

Nonetheless a full refund was issued for the disputed amount. Please expect 2 separate credits. One for $15.00 and the other for $19.95. The

refund will post to the bank account we have on file within 48-72 hours.

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 ###-###-#### and ask for me by name.

Thank you

Consumer

Response:

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,