Commerce Payment Systems

Review: I initially signed up my business, [redacted] for credit card processing services with this company on March *, 2014. Because of the inability of the company to provide me with the proper device to interface with my equipment, (they sent three different card readers, but none would work,) I cancelled my agreement with them, via email, on March **, 2014. All equipment that they had sent me was returned via UPS, with delivery being signed for on April *, 2014. They withdrew funds from my bank account on April *, 2014, in the amount of $15.00, for the minimum monthly fee, even though I was never able to use their services. I never received an invoice/bill explaining the charges. On May *, 2014, the company withdrew funds in the amount of $114.00, with $15.00 being for the minimum monthly fee, and $99.00 for a device set up fee (for a device that was never set up because they did not send the correct device.) I had contacted the company's customer service line after each withdrawl, and questioned the legitimacy of the charges, requesting a refund. The most recent call was made on June *, 2014, at which time I was told that my request was with the managerial team for consideration of a refund. The sheer incompetence of this company has totally infuriated me. What really irritates me is that in their advertising they state, "If at any time in the first 30 days you are not completely satisfied with our service, we'll refund every penny of your monthly processing fee. There's absolutely no risk to you."Desired Settlement: Nothing less than the full refund of all funds withdrawn from my bank account, $129.00.

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 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

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:

Until such time as the funds are refunded, and actually deposited in my bank account, I will not consider this matter resolved. I am only sending this response to meet the 6 day response period set forth by the Revdex.com. I have already been subjected to the "promises" of this company, and refuse to be coerced into an agreement of resolution without it being substantiated. When I see the funds in my account, I will consider this matter resolved, and will comply with a statement of resolution, but not one second sooner.

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

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

All refunds are schedule to deposited by July [redacted] 2014.

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, and the subsequent action required, is satisfactory to me and the matter has been resolved. I would add that in no way would I ever recommend this business to anyone. This entire ordeal with them falls well short of what most people would consider reasonable and ethical.

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,

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,

At first, this company seemed to have a low cost/rate card processing service. I would like to state that there are many things that have changed with my statement over the course of 2 and a half years. As a small business, I do not make many card transactions, which means I should not be paying very much for a service that processes cards. I noticed that the monthly fees have recently gone up. Their website still advertises that it's $4.95 a month, yet the fee has increased to $5.95. Their website also doesn't mention the new $10/mo for PCI Regulations Fee and additional $5/2mo for being non PCI compliant. I have never seen these fees before until recently.
They billing me for a $99 annual fee in December 2013 even though it was clear to me that there was no annual fee when I signed up! I did however addressed the matter, and they refunded the money on my January statement.
Their website even warns about misleading companies, like their own.
I recently asked for a cancellation form, which they have neglected to send me. I am not happy that I am being charged more than double what it used to be, and it's not worth it to me.
Here is their website:

Review: I attempted to establish a service with this company for merchant services. I was unable to complete the required underwriting requirements so there services were never provided to me. I was made aware of the failure to establish an account when I attempted to process a payment for a customer and the transcation seemed to go through. I paid the funds on behalf of my client and waited for the drop of funds into my account to occur. After 5-7 days still no money so I contacted CPG and was told that the money would not be released because I had not completed their requirements. So I lost the 230.00 I paid on behalf of my customer. In September I noticed all of these weird charges coming out of my checking account and researched and found that CPG had been charging me random fees totallin in excessive of 600.00.

I contacted them to find out what was going on, they said I had 4 accounts open and I had to request cancellation for each of them. I did as asked and always requested a refund of the excessive fees they had charged for services never rendered not to mention costing me the 230.00. I followed up with them today and they informed me that my request had reviewed and denied. I ask for an explanation and was told a manger would have to answer that and no one was available. I left a message but do not expect a return call. If you fail to meet requirements for something how would you be aware that it is incurring charges so you would need to cancel it. I have had no correspondence whatso ever concerning the accounts.Desired Settlement: I would like at minimum to have the fees of 600.00 returned to me. I never had a service that was able to be used and I didn't know the accounts were open and money being taken from my checking account. They never sent any type of invoice saying this is what you will be charged on this date. I just had random monies pulled from my account. I am a new business and this is alot of money for me to loose.

I can provide documentation of the charges on my bank statements.

Business

Response:

Review: This is the 3rd or 4th complaint we've had to file against this company. Their business practices are unethical at best. They debited our bank account for a $99.00 IRS reporting fee. We were not notified of this, it was not in the agreement that we signed at the onset of doing business with them. In the past they have debited us for $99.00 PCI compliance fee and now a $99.00 reporting fee. The IRS requires reporting of income to any company processing incoming payments, this is a cost of doing business and honest businesses do not try and recover such a high fee for reporting. Since our statement has not been made available, I had to spend 50 minutes on the phone to get this explanation. We did not authorize this debit, nor were we given any notice of it.

This company makes money off of small businesses by charging any amount they please by debiting their customers bank accounts.Desired Settlement: We want the $99.00 fee refunded to our bank account immediately. This vendor was not authorized to debit that amount.

Business

Response:

Review: I was called by telephone by [redacted] of Evolution Bankcard to see if I would change from my current credit card acceptance company to Commerce payment systems, aka Evolution. After deciding to go forward with their company and being told that there are NO UP FRONT COSTS, NO MONTHLY FEES, NO OTHER FEES, and only 1.99% taken for each transaction weather sliding a card or manual entry, they immediately took $15 from both of my businesses on March *, 2014. When I called them on it, they returned $15 to MasterCare and $14.99 to Fresh Aire a week later. As this was taking place I actually processed a credit card for $384. Then they said I couldn't get that money until I signed another form because I hadn't really finished signing up yet. I asked how can they take money then if I hadn't really finished signing up. It took 2 weeks to get my money and they took out $22! Definitely more than 1.99%. I immediately cancelled my account with them on March **, 2014. They emailed me a cancellation form to fill out. I filled out 1 for each business and sent them back as well as the card sliders. I have a postal receipt that says it was received at their facility on March **, 2014. On April *, 2014 They fraudulently stole another $114. from both of my accounts again. I called on that and they said if was for $15 each for the monthly fee again, and $99 for federal compliance. I informed them that I cancelled my accounts. They told me that since I actually had an account open part of March, I had to pay. They said they would look into it. I called every other day looking for my money. April **, 2014 I was told a refund was in order on May *, 2014. No refund! I called again. They said I was denied the refund because I signed a contract saying they could take money from me as per contract. May *, 2014 They stole another $15 from my Fresh Aire account. I called to find out why. They said that Fresh Aire is still active and this is the monthly service fee.Desired Settlement: I want ALL my money back: $114 for MasterCare, 129.01 for Fresh Air plus the $22 they stole for the credit card processing fee. Total of $265.01

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.

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 $265.01, please expect refund to post

within 48-72 hours to the bank account we have on file. Within 2 separate deposits…

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

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 cancelled my merchant account with the company on April **, 2014. I did this by contacting the company and filling out and signing a form they sent to me. The form had a fax number printed on it to use to return the signed form. I faxed the form to the number and received a confirmation that it did go through that same day. Around the first of May, they deducted $23 for fees from my bank account. I called them on May * and they said they never received my cancellation form and that the $23 was for April, anyway. They assured me that if I faxed it to a different number, it would be taken care of. I did fax the same signed form to them on May *. On June * they deducted $82.95 from my bank account. I called them June * and they said it was for various fees and other charges for May. I told them I had cancelled the account in April but they are still showing that the account was cancelled on May *. I have sent them all information proving that the account was closed on April **, but they are stating that "management would have to approve a refund and that any refund would be on the next billing cycle." They are now stating again that the account is in fact closed and are failing to take responsibility for printing the wrong fax number on the cancellation form. They are also delaying a refund.Desired Settlement: A refund of $82.95 and an assurance they will not deduct any more "fees" from my account.

Business

Response:

On behalf the company, I would like to deeply apologize for any inconvenience that this may have caused. We're going to step up to the plate and refund the $82.95, and you should see this in your account within 1-2 business days. Please let this serve as your official cancellation confirmation, and that no other fees will be billed to this account.

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 have called numerous times for the same issues and I have yet to get any issues resolved. Each time I call I am having to explain the situation from the beginning as if I never called because each time I am told there are not any notes in the system. I was charged $39.95 in December, January and February an inactivity fee when in fact I had activity for those months. I was charged a $99 unauthorized PCI fee that I opted out the program. They charged me a $59.95 for insurance that I did not and charged other fees each month.Desired Settlement: Full refund on the mentioned fees.

Business

Response:

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you. I personally contact [redacted] and addressed the issue at hand,Aftercarefully reviewing your merchant account, all rates and fees have been chargedas per contract. Nonetheless the refund request has been approved for the fulldispute amount of $301.85 Please be advise refund will post to the bank account we have on file within2-3 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 ###-###-#### 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,

Review: Commerce Payment Systems approved our merchant account for processing credit card transactions online. We began processing online sales. Approx a month later we received a notice that we were to produce additional documentation in order for OUR funds to be released. All documentation was sent as they requested. They continued to request additional documentation over and over again - more than is necessary. We have had previous merchant accounts and none of this happened. Today, I was informed that their underwriting department closed our account and transferred us to a different "GROUP", that our transactions needed to be reversed and reprocessed with the new merchant. All the while, we have yet to receive ANY settlements of our sales. They have stored our clients credit card information, which violates our privacy policy to our customers, won't release the funds that is due to us, and moved our account to another company without our consent.Desired Settlement: Release of the sales funds that we have processed under our account.

Business

Response:

Review: My account no. [redacted].

Over the last year (December 2012 to December 2013), our practice has charged our patients $1423 in total credit card payments. Commerce payment has charged me a total of $1371.79 in fees which is way higher than my minimum monthly fee that I agreed to - which is $5. So, a total of 96% of the collections was charged as fees by Commerce Payment.

I have tried resolving with the customer service agents and even after two months the agents do not connect me to the managers who are responsible for fee disputes and the managers keep rejecting the request.Desired Settlement: I would like to see the excess fees charged refunded.

Business

Response:

Review: The service provided by this company was issued a cancellation request via fax on February *, 2014. This company continues to debit fees from my checking account which they are no longer authorized to do. Talking with the customer assistance department was not helpful and the fees have not been deposited back into my account.Desired Settlement: I would like the fees taken from my checking account returned immediately.

Business

Response:

In response to this complaint

Review: Salesman misrepresented monthly charges and failed to provide schedules of charges as promised. This led to charges from my bank account for January though I did not yet have the necessary equipment to utilize the service, as well as types of charges that I became aware of after they were applied. He failed to correctly identify my type of cell phone, so they sent the wrong equipment. This required an exchange of equipment that delayed my attempting to learn how to use the service. While learning to use the system I discovered the fee schedule that led to my cancellation on February [redacted]

After cancelling the account by fax on February [redacted], and shipping back the equipment the same day, the company held the account as active for the entire month of March and applied a $99 "regulation update" fee as well as other basic monthly charges for March against my bank account.

I have had $177.90 taken from my checking account for a service that I could never use, and never would have signed up for if I had found the obscure rate chart that I eventually located on page 19 of their "Smart Guide".

Their justification for their charges is all in the “small print” of the online document that I could not even print out after signing. They don’t even pretend that they did not mislead me. They just point to the agreements. Obviously, they have had a lot of practice refusing to give money back to others that they have taken advantage of.Desired Settlement: As an ethical business, they should refund all of my fees, since I called and cancelled within a week of my receiving the necessary equipment to utilize the service. As a minimum, a refund of the $99 Regulations Update fee charged against my account 30 days after they were in possession of all necessary cancellation forms and equipment.

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 $179.00. Please expect refund to

post within 3-4 business days to the bank account we have on file.

Your merchant account is 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

David Fields

Review: I worked with [redacted], a salesman at Commerce Payment Systems, [redacted], at the beginning of June, 2014, based on an advertisement flyer my wife had presented me, to establish my account for merchant processing (accepting credit and debit cards). It would turn out to be a relationship I wish had never been initiated.

I submitted the application sent to me by [redacted], and also promptly sent the requested standard additional personal and business verification items needed, to establish the account. I subsequently received an email from [redacted], on 6/**/14, informing me that my account was approved, and a card reading terminal was on its way to me. I received the terminal at the San Diego County Fair a couple of days later, and began using it to process transactions. Some time after this, approx. a week, I received additional correspondence from the underwriting dept. requesting ADDITIONAL verification items – AFTER, one would assume, the underwriting dept had theoretically already processed and approved said account! I had ALREADY received a ‘welcome’ email AND a credit card reading terminal to conduct business.

Among the additional items later requested was a copy of my passport! I had already provided a copy of my valid CA driver’s license, which confirmed among other things, my citizenship, my birthdate, and my address. I nonetheless complied with this intrusive and highly unusual request, although I DID black out my passport number, as I considered this document to be too sensitive to release for general consumption, AND the request to be highly unusual and suspect. Subsequently, I received notification that my account was to be unilaterally terminated and closed – for supposedly failing to provide requested documents. That termination of my relationship with this sleazy company would have been fine – except that they had failed to deposit ANY of my sales proceeds into my bank account, in accordance with our merchant agreement

During the preceding timeframe, I had processed a very large number of transactions through my terminal over the course of multiple weeks, and yet I observed that NONE of the proceeds of these transactions was being deposited into my bank account. Yet, while none of the proceeds of my sales was being deposited, to add insult to injury, and heighten the outrageously deplorable business practices of this operation, my account was nonetheless suddenly DEBITED for FEES for services provided by Commerce Payment Systems! I instructed my bank to reject the charge, since CPS had as yet provided NO service to me, since they were for unknown reasons withholding ALL the sales proceeds that had been processed through their terminal.

I subsequently learned that the ‘glitch’ that triggered the request for additional information from their underwriting dept. was because ONE of the credit reporting agencies, Experian, had listed my birthdate incorrectly as 7/*/1961, instead of 7/**/1961. THIS was apparently the reason (ie. excuse, pretext) being used by Commerce Payments to withhold the depositing of my sales proceeds – AFTER already approving my merchant account and sending me a terminal. ALL other agencies had the birthdate listed correctly, and even Experian, when I called them, was able to quickly verify that they had ERRONEOUSLY listed the incorrect date in ONE section of my credit report. It WAS listed CORRECTLY elsewhere in their system. Nonetheless, Commerce Payments already had the copy of my CA driver’s license, which POSITIVELY confirmed my birthdate as 7/**/1961! NO STATE issues driver’s licenses without valid proof of birthdate and citizenship. AND I even did comply with CPS’s ridiculous and overreaching request for a document they had no business accessing – my passport – except that I withheld the sensitive passport number for personal security reasons.

Commerce Payments Systems has subsequently, to this very day, withheld ALL proceeds from my credit and debit transactions. The amount exceeds $6000. And my salesperson, [redacted], AND his superior, [redacted], who both previously had happily welcomed my calls, suddenly refused to take any of my calls or respond to any emails. This company, I discovered later (TOO LATE, unfortunately!!), has an ‘F’ rating from the Revdex.com. That is certainly NO surprise from my experience. They are a complete SCAM outfit. They are STILL illegally holding MY money.

I request that CPS be ordered to immediately and without delay release ALL funds transacted through them to my bank account (account number on file with them as part of the application process).

I also request that they be required to pay appropriate interest earned on the amounts withheld for all these months (7-1/2 and counting!).

I further request that they be subjected to an assessment of triple damages for their fraudulent behavior and practices, and their refusal to accept further contacts regarding this matter.

I would also request that the NY Attorney General’s Office slap this scamming company with serious fines and penalties, and indeed look seriously into SHUTTING this con and scam company down permanently, so no other honest companies can fall prey to their deceptive practices and gamesmanship.

Yours respectfully, [redacted]Desired Settlement: I request that CPS be ordered to immediately and without delay release ALL funds transacted through them (over $6000) to my bank account (account number on file with them as part of the application process).

I also request that they be required to pay appropriate interest earned on the amounts withheld for all these months (7-1/2 and counting!).

I further request that they be subjected to an assessment of triple damages for their fraudulent behavior and practices, and their refusal to accept further contacts regarding this matter.

I would also request that the NY Attorney General’s Office slap this scamming company with serious fines and penalties, and indeed look seriously into SHUTTING this con and scam company down permanently, so no other honest companies can fall prey to their deceptive practices and gamesmanship.

Business

Response:

First and foremost, I would like to apologize for any inconvenience that this may have caused. The purpose of our underwriting department asking you for specific documents, while trying to approve your account, was solely to prevent identity fraud. Looking at our notes, it looks like you never completed this process with them. It also looks like when you called in, our CS service department tried to assist you, but it is notated that you didn't want to speak to them. The amount that you processed through us totaled $5,404.79 to be exact. The amount being released to you after your processing fees will total $4897.30.Please call me with any further questions that you may have. I can be reached at [redacted]. This amount should reflect in your checkings account, within 1-3 business days. Please call us today if you've changed checking accounts since then.

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 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]

Review: $150 was taken from my acct. for my Dec. billing period. My statement is not available for me to see but when I called it was visible to the customer service rep. but could not be sent to me. I was told I will have access the second week of Jan. It was originally explained to me that $99 was for an annual fee and the remainder was various fees that are charged quarterly, although this would be the first quarter I have ever had additional fees charged. I was told it was explained on my OCT statement. The statement explains that a $99 fee will be charged in Nov to offset the cost to them to report to the IRS & send out a 1099. My Nov statement says that I will be charged a $99 annual fee (which my signed contract says $0) but that I will not be charged the $99 fee that the Oct. statement says. So another words they re worded the fee because legally they can not charge us for their reporting cost. When I said this I was told that was not the case and it was just not worded correctly. When I then asked if these fees were for the year ahead I was told yes so I said I would like to cancel then and be refunded the fee I was told that she would have to look into being able to provide a refund. Bottom line, out of nowhere $150 was deducted from my checking acct. for "fees" that can not be clearly explained to me and I was talked in circles about the legality of these charges and was told even if I terminate my contract and do not receive services for the up coming year I can not be guaranteed a refund....Desired Settlement: I would like the fee charges that were not in my signed contract refunded to my account immediately.

Review: In March a man named [redacted]? don't know spelling came in to A4C Auto Sales LLC, and talked to us about a credit card machine, to be able to take payments for cars and to pay for cars with their tax cards. He took weeks to get machine, said they had sent wrong one, had to send it back and get new one, came in and hooked it up didn't test it . I tried to use it and it didn't work, called [redacted] took weeks to get him to come in and check it. Finally in June he can in and checked it had to get another one, but this time different company.

During this time I was checking my account and Commerce Payment had been taking money out of account, and [redacted], said they weren't suppost to take anything out unless we used the machine and we didn't it WOULDN'T WORK. In March they took out $98.00 and some odd cents, then in April they took out $20.15, in May they took $19.95 and in June they took out $118.95.

Total of 258.00 and some odd cents.

I have spoke to [redacted] and [redacted], both say Commerce Payments Systems would give me our money back within 24 to 48 hours and the last time [redacted] told me this was Wed. June **, 2013 so I gave it till June **,2013, because of weekend, and still it isn't here. When I talked to CS they said I had to wait till July * to get it but [redacted] the President of Commerce payment systems he said 24/28 hours.Desired Settlement: I Want my money back and them to never take any out of my account again!

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, please be

advise that the $118.95 was never successfully withdrawn from your bank

account.

A refund has been issued for the remaining balance of

$138.85.

Please expect refund to post with 2-3 business days

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

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.

Refund was issued back on July ** 2013. (Please see

attachment)

I do apologize for all the inconvenience, your merchant account

is closed thx.

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.

I finally got my money back after MANY MANY CALLS. thank you. for your help but they wouldnt give me my money back till I got in touch with the Revdex.com. Itis a shame that it had to come to this.

Sincerely,

Review: On 6/**/13, I signed up with [redacted] to start the process for my company to accept credit card payments from customers. Commerce Payment Systems was our Merchant Provider. I was told that there would be no problem submitting a Visa charge of $6,000.00. They did say that it may go through the risk department since we were such new customers, but that there shouldn't be an issue. At no time was I told that there could be a fee because of using the Risk Department. Well, there was an issue, the charge was denied, after approximately three weeks of waiting for a decision. I decided to stop my business with [redacted]/Commerce Payment Systems and phoned them on 7/**/13 to cancel all services. I understood that I would be charged the processing fee (even though it was denied) and although I was not happy with that, I agreed. But now we are in September, 2013 and I am still getting charges from Commerce Payment Systems. I have had a total of $511.56 debited from my business account since my original sign-on date and I never received any services from them because they were unable to approve my Visa Charge.

One charge was for $249.90 which was a charge through their Risk Department. Another fee was $124.05 for a "once a year compliance fee" which I feel is totally unfair since I never even had anything approved through Commerce Payment Systems and was only signed up for less than one month. I ended up going through Chase and have had no problems whatsoever.

I am very upset and frustrated with all of these charges since I had read such good reviews online about this company and felt safe in selecting them. Nowhere along the way was I ever explained that there could be a possible CHARGE for sending anything to the Risk Department or for a ONCE-A-YEAR COMPLIANCE FEE. I was also charged a $24.95 fee for August Services when I closed my account with them on 7/**/13 (I did contact [redacted] today in Customer Service and was told that it would be refunded to my account at the end of the month, I am just so worried that it will not be).

I have called and asked for a refund on these charges, but was told that they were denied because they were valid charges. I do not feel they are VALID charges and am very upset regarding this issue.Desired Settlement: I would like the Charges of $249.90, $124.05 and $24.95 credited to my business account.

Business

Response:

Review: Two Unauthorized ACH business withdrawals fees from our merchant account that was closed March 2014 by Commerce Payment Group LLC, [redacted], merchant processing company. Our ex-merchant processing company claim they haven't received our paper request to close the account, so they kept billing us. Re-sent request to close the account for the second time! Appealed their decision several times but they denied it and were EXTREEMLY rude and unprofessional with no explanation to what or how. Terrible customer service that NEVER follow through client requests and apparently lose paperwork too and blame it on the client. Kept requesting to speak to Supervisors but was never connected to one because they would either hang up or refer us to an answer machine and was never contacted back.Desired Settlement: should be refunded back immediately, for being billed for a closed merchant account and an apology for their unprofessionalism of handling client paperwork and requests.

Business

Response:

On behalf of Commerce Payment Systems, I want to apologize for any inconvenience this may have caused. As per our records we received a cancellation request on 4/**/2014 and closed the account accordingly. We're still stepping up to the plate and refunding the $210.80 as a courtesy. You will see this refund within 1-2 business days.

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 signed up April *, 2013.

I had constant problems of Commerce Payment Systems taking the wrong amounts / and too much out of my bank account.

I was always having to monitor my account and call them to make corrections.

Every month it seemed to be another amount: $34.95; $49.95; $99.00; $7.95;

and I'M CURRENTLY WAITING FOR REFUNDS THE OF $129.00; $39.00. Which I talked to [redacted] and emailed him asking this to be handled. He said he would take care of it.

I sent the machine back, even though I wasn't required to. Their advertising stated no charge for the FREE equipment.

NO contracts, NO cancellation fees. O Annual fees.

I also had to have them correct the percentages agreed to when I signed up, which they did correct.

I faxed a cancellation form to [redacted] (who I signed up with and he told me to work directly with him)

on 9-**-2014. I asked him to process any credits and refunds to my account.

That "I was canceling do to constant problems with over charged items on my monthly statements."

I asked him to let me know where to send the equipment within a few days.

I received a shipping label finally, after I asked again.

I have not received my refunds to my account though. My last response from [redacted] was on Dec. **, 2014.

Now, today, I cannot even log on to the estatement account / website to see my account.Desired Settlement: I receive my $129.00 +$39.00= $159.00 refund from Commerce Payment Systems.

Business

Response:

First and foremost, I would like to apologize on behalf of Commerce Payment Systems, for any inconvenience that this may have caused. We received your cancellation form on December *, and all monthly fees have been charged as per your terms and agreements. Nonetheless, we're going to step up to the plate and refund the $159.00. You should see this credit in your bank account within 3-5 business days. If you have any further questions regarding this refund, please call ###-###-####.

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,

[redacted] 1-*-2015:Today they have taken another $56.89 from my account by debit,to also be refunded.

Review: I have two separate complaints. I cancelled our service on August [redacted], 2013. I spoke with a customer service agent to make sure that our cancellation was received and nothing else would be charged. Since then, my bank account has been debited in September, October, November, December and January to a total of $273.75. I have called numerous times and been assured that I will no longer be charged but my account continues to be automatically debited. I have asked for a [redacted] to speak to and have consistently been told nobody is available but that will leave a message. In addition when the service was active I was billed a monthly minimum charge when the application I filled out clearly stated the charge for that would be $0.00 monthly. I was told that would be refunded as well and nothing has been.Desired Settlement: I would like the monthly minimum charges refunded, the monthly charges from September to date refunded and hard copy notification that this matter has been resolved and my electronic payment information has been removed from their database.

Business

Response: