Commerce Payment Systems

Review: Our business signed up with them for our credit card machine. They sent the machine, talked me thru setting it up and said it was ready to go. We checked our bank account a week later, and nothing had been deposited to the account from machine. I call to see why, and they told me they needed more information. I sent in what they had asked for, not only once but twice now as they keep saying they need more. Have emailed both representatives that I had spoke to, to see if they received it and if they need anything else. Now I get no response from them. Tried calling again yest. was put on hold for 45 min. I finally hung up, and emailed again. I have sent over 6 emails now as of this morning with no response. We need our money! Do not understand why they did not call to inform us they needed more information in the first place.Desired Settlement: I want them to settle this and credit our money due to us to our account. Then I want to close out with them, as I do not feel they do what they tell you to get you to sign up with them.

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, your

account is required to pass validation.

According to our notes you have been in touch with [redacted] in

effort to rectify you issue.

I have forwarded all of your info and copy of this complaint

to [redacted] in effort for her to contact you in effort to have this rectify.

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 sent everything they have asked for. I have nothing else to send them!!!! I just want the money due to me. Not only did they set up my machine and tell me to use it when they still needed more information to even be able to credit the money to my account, now they have deducted there fee from my account and still NO money has been put into my account. I just want my money that is due to me. [redacted] had emailed me with some thing about having to run it thru another terminal... What????? Im not doing anything until I get my money owed me.

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

Truly sorry you feel this way, please last message below.

By: [redacted]

Thames at 9:30am on Wed Apr [redacted], 2014

merch sent in wrong paperwork. advised her

that we need proof of payment on the lien from the state and not the letter

from the state that she submitted. she refused and stated that she wanted to

cancel. I advised her of who to contact to cancel and run refunds. (cs&ts

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:

[Your Answer Here]

That makes no since.... I sent the one FROM the state that said it was satisfied. The one they want is the one I gave to the court here to file, so I do not have that one. Yes, I was told who to contact and they are the ones who said it would take 6 months to get our money. Or, refund every customer back that used there cards and then have to run them again on a new machine.

I did not flat out refuse to send them anything, I simply stated that I do not have the paper they want, as I filed that one with the county court here. Regardless, none of this helps with the $1000 of our money they have. I had sent drivers license, 2 bills that showed the address of business, bank information, and a letter from the STATE saying the debt was satisfied. If it were not satisfied, would not have been able to get a state tax number or food license from the state. They can make all the excuses they want, but the simple truth is they owe us $1000, and I highly doubt we will ever get it, as we closed down our bank account because of them. I doubt this will ever be settled, as they are rude when you try to talk to them about it, and that's if they even call you back.

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

Sincerely,

Review: My merchant ID # is [redacted] with Commerce Payment System. When I signed the contract with this company the sales man [redacted] informed me on the phone the rate is 1.38% + 8 cents per transaction for qualified and 1.68% + 8 cents for non-qualified. I confirmed with him several times and he was positive there is no hidden fees at all and that was the only charge involved. Also he promised me there will be $100 [redacted] gift card send out to me if I signed up which I never received. Later on I found the actual rate they charge me was up and down but always around 5 % of my transactions. And their customer service line isn't really helpful since they always want to talk to the sale man which I never get hold of after signing the contract. Also the electronic version of statements are unavailable for Nov 2014. This company did have a bad reputation of over charge as well as bait and switch.Desired Settlement: Refund Credit for processing Charges, Aggravation and time for loss of business. Also credit $100 as they promised.

54.02 for October

unknown for November

191.38 for December

141.01 for January

107.4 for February

Business

Response:

Good Afternoon, First and foremost, I would like to apologize for any inconvenience that this may have caused. Here at Commerce Payment Systems, we strive to provide the best service possible. If for whatever reason you're not happy, we want to do the best that we can to make you happy! Please give me a call at ###-###-####, and my name is[redacted].

Review: This company consistently overcharges its costumers,,,,as you see by all the other complaints...but all I want to do is CANCEL /CLOSE my account....

I have called about 6 times.

First call ... they put me on hold and cut me off.

Second call...they took my phone # and have not called back, that was on 09/** at about 2pm.

Tried to call back at least 6 more times and it is always busy.

Today I called the put me on hold to transfer me and cut me off again.

If you read about other complaints this is consistent behavior.Desired Settlement: Cancel / close my account.

Review: I faxed a cancellation of service form to Commerce Payment Systems on Oct **, 2013. Commerce continued to deduct funds from our debit card/checking account for services we were not receiving. This has happened every month since cancelling. I have called 4 times to ask for credits each month we have been charged. I have been told each time we will receive the credit and will no longer be charged however I have received no credits, they continue to charge our account even though we no longer use their company and I can not get it to stop short of closing our account and cancelling our debit card which would be detrimental to our daily business. It has been 4 months without a resolution.Desired Settlement: We would like the $158.80 taken from our debit/checking account, credited back to our checking account. This amount was taken after cancellation of service. We received no service in which we should be charged.

Business

Response:

Review: We were called by a man named [redacted] who stated he can save us money on our merchant services. We are small struggling business and thought any way to save money would be great. We discussed our current POS system (Quickbooks POS) and were told everything we will be receiving will integrate well with our current POS. Essentially our POS is a desktop computer.

They offered us 2 free debit machines, lower "swipe fees" and the ability to use debit, which we currently are unable to do.

After a few conversations with via the phone and e-mails with [redacted] we were then transferred over to [redacted] to move forward with the contract. We finished up the contract and was giving the guarantee that the debit machines were going to be delivered the next day.

They ended up shipping just one unit UPS ground which took over a week to get here ( arrived Feb. [redacted]), we were expecting two units. When opening up the unit we discovered that it is not compatible with our POS system. We called their technical support and confirmed that the unit we received is not compatible as promised by both [redacted] and [redacted].

On March [redacted] after going back and forth with extremely unhelpful customer service agents, who refused escalate our issues to any [redacted], we decided to cancel. That day we were charged a total of $113.15 in monthly services Fees. The equipment was never set up or activated.

On March [redacted] we shipped the incompatible unit out (Fed Ex Tracking [redacted], which we paid for out of our own pocket). The unit was delivered on 3/**. We never received confirmation on the cancellation. And on April [redacted] we were charged an additional $232.95. We are not sure what those charges were for other than the CSA telling us that they "were justified".

We had the unit a total 8 days in our possession (remember we were guaranteed overnight delivery and we only received 1 unit) and it cost us $346.10 + shipping.Desired Settlement: We would like written confirmation of our cancellation and the fees refunded to us. We never activated the one unit we received, and we never received the 2nd unit.

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 $178.20 and $167.90 totaling

the dispute amount of $346.10. 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 have determined that my complaint has NOT been resolved because:

David Fields promised our funds would be deposited in 3-4 business days and that has not happened.

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.

After carefully reviewing your merchant account, Refunds

have been successfully deposited to the respective bank accounts.

Please see attachment for proof of the refund.

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 have tried to contact them on 4 different numbers and at least 6-8 different times, the phone rings and rings but then it hangs up, this is the same on all the numbers I have used. I have a with drawl from my account that hasn't been approved and trying to get clarification but no answer. I've tried the following numbers ###-###-####, ###-###-####, ###-###-####, ###-###-####. No answer on any of themDesired Settlement: I want my money back or an explanation of why the money was taken out of my 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: Company charged our Wells Fargo bank account fees in the amount of $587.62 to perform crediut card services. Deposits were never

made to the account due to faulty terminals provided by them. Terminals were returned and we cancelled service. Wells Fargo suggested

closing bank account so no more charges could be entered. After repeated phone calls, emails, etc. I was gold initially that money would be

refunded. Now, they claim that since the bank account was closed, they can't refund the money. There is no reason why they can't issue a

check.Desired Settlement: Refund by check acount they deducted for a service that was never performed.

Business

Response:

Review: Had a cancellation of services in december 2012.I was charged $24.95 twice a month for jan., feb., and march $149.70 that was taken out of my business account which was not authorized.I have talked to them twice and was told the refund was denied because I'm not doing business with them.Desired Settlement: I want the refund of $149.70 for the 6 charges of 24.95 each

Business

Response:

Review: I hired this company back in april,they started processing my credit cards ,to date they have taken nearly $6,000.00 in credit cards and have not release the money to my bank,I had to notice this and then contact them,they also have taken well over $225.00 out of my bank account for service fees,my bank not my credit card money,their service people are very nasty,they tell me my paper work is in underwriting,until underwriting approves my paper work they will not release my money,I think they should not take a business until they are approved,They asked for my liability insurence, which should have nothing to do with them,Also they have not provided me with a complete service,because they have kept my money.the services people both in service "[redacted] " was very nasty and the girl with a foreign accent in under writing as well was nastyDesired Settlement: I WANT MY MONEY

Business

Response:

Review: We were looking for a credit card processor. We decided on one over the other being [redacted] and their processor Commerce payment systems. On July [redacted] I processed a credit card for $295.00 after finding out that they wouldn't give me the funds until they had more info about my company I decided not to do business with them and on July [redacted] I refunded my customer's credit card for $295.00. Then on July [redacted] I had a debit to my bank account for $295.40. I was told that I processed a credit card but refunded it. They said the $295.40 would be put back into my account today August [redacted] it has not been returned to my account. Also on August [redacted] my account was debited $123.85 for processing fees I did not process any transactions and I sent them a cancelation notice on July [redacted]. My account was also debited $24.95 on July [redacted] also for fees. I never agreed to do business with this company and they owe me $444.20. I don't know if you can do anything but this company stole money from me.Desired Settlement: I would like the money that was stolen out of my account returned. They stole this money without me doing any business with them

Business

Response:

Review: charged me for pci-dss update 99.00

visa network fees

over charged me % rate

charged me 4 times for the same transactionDesired Settlement: my money back over 300.00

Business

Response:

Review: They Charged me total $68.95 I canceled during the application process I never received any terminal or account informationDesired Settlement: They should refund my money and destroy my information so the charges do not ever happen again

Business

Response:

Review: COMMERCE PAYMENT SYSTEM IS A COMPANY THAT THEY TAKE ADVANTAGE OF SMALL BUSINESSES LIKE MINE, THEY HAVE ALOT OF FEES THAT THEY DONT INCLOSE IN THERE CONTRACT AND THEY START TAKING SMALL FEES FROM YOUR BANK ACOUNT THAT YOU WOUN'T NOTICE IN YOUR BANK STATEMENT EACH MONTH. I WENT THOUGH MY STATEMENTS AND FOUND OUT THEY BEEN TAKING OUT SMALL MONTHLY FEES WITH OUT MY CONSENT AND CALLED THEM THEY AGREE TO REFUNE TREE MONTHS OF THAT WITCH EQUAL TO $430.00 DOLLARS THERE REP TOLD ME THAT THEY CREDIT WAS GOINT TO BE THE END OF THE MONTH TILL I SAW THE CREDIT BACK AND NOW A MONTH AND 13 DAYS LATER DONT HAVE ANY OF THAT CREDIT IN MY ACOUNT... THATS WHY I DECIDED TO WRIGHT THIS TO THE CREDIT BUREAU. IF YOU HAVE THIS COMMERCE PAYMENT SYSTEM COMPANY TO PROCES YOUR CREDIT CARDS FOR YOUR BUSINESS PLEASE CHECK YOU BANK STATE MENT AND SEE THERE FEES.. I CANCEL THEM IN JUNE [redacted] 2013 AND STILL HAVENT HERD OR SEEN ANY OF MY CREDITS BACK.. THIS IS NOT A REAL COMPANY COMMERCE PAYMENT SYSTEM, REMEMBER THAT NAMEDesired Settlement: REFUND. NEVER DO BUSINESS WITH COMMERCE PAYMENT SYSTEM COMPANY, ITS A FAKE BAD COMPANY FOR PROCESSING CREDIT CARDS

Business

Response:

Review: I am a Director with Beauticontrol a Direct Sales Company. I researched Credit Card Processing companies and decided to use this company. They said their were not upfront fees associated with signing up with them. Any of my consultants that joined would be only charged their fee % they advertise on their website when they processed a credit card. Both consultants that have used them have had fees taken from their checking account for no reason. One consultant [redacted] is owed $123.95 by the compnay. They charged her a processing fee of $99 for nothing. She has called them repeatedly and no one will call them back. Our contact was [redacted]. I am disappointed of the scam by this company. We have also been speaking to [redacted].Desired Settlement: We just want to sever all ties with this company and have all of the money refunded to my consultants associated with this account. [redacted] needs to be refunded $123.95 and [redacted] is owed over $300.

Both accounts have been closed.

Business

Response:

Review: We were exploring new options to process credit card transactions, after exchanging documents we decided against Evolution Bankcard, Commerce Payment Systems. We never used any service they say they provide, never activated either account; we never received any billing or evidence of any activity. We provided the required cancellation document in a timely fashion and it was reported by their office ,six months later, that they had never received any cancellation documents. We sent records to Evolution Bankcard, Commerce Payment Systems, a Credit Card processing service,from our Fax Service Provider showing a successful fax transmission on 6-**-2013 of our cancellation for services for these accounts. They charged our business account unauthorized fee's, and on this date (1-**-2014) we had to contact Commerce Payment Systems to find our request for refunds was declined. We expect a full refund of entire amount removed from our account, over $600.00, for services not provided by their service or used by our organization.

They sent me this promotional e-mail:

Just wanted to send you a quick list of what you will receive at EB:

No startup fees. Ever.

No hidden fees buried in the fine print.

The lowest rates in the industry. Guaranteed.

No locked-in contract. You're always free to leave...without penalty.

Free state-of-the-art terminal. Worth over $300!

Fast payments to your account. Why should you have to wait?

The best and most attentive customer service in the business.

A 100% Money-back guarantee if you are not completely satisfied.

Thanks for your time and feel free to call anytime.

Warmest regards,

Senior Account Executive

Evolution BankcardDesired Settlement: Our funds returned

Business

Response:

Review: On Nov **, 2013, I emailed a cancellation of service form to Commerce Payment Systems for Merchant ID # [redacted], as per request from CPS. They continue to debit our checking account for monthly credit card processing fees as of April 2014. 04/**/2014 $118.95 03/**/2014 $19.9502/**/2014 $19.9512/**/2014 $118.95I phoned them on numerous occasions about the charges being taken from the account. CPS continued to deduct funds from our checking account for services we were not and are not receiving. This has happened every month since cancelling. I have called numerous times to ask for credits we have been charged. I have been told each time that the account has been canceled and will no longer be charged however CPS continues to charge our account even though we no longer use their company or service and I can not get the charges to cease, short of closing my companies checking account and cancelling our debit/checking card which would be detrimental to our daily business.Desired Settlement: I would like the $277.80 that was taken from my debit/checking account, credited back to my checking account. This amount was taken after cancellation of service. I received no service in which I should be charged.

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 $277.80. 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

Review: Signed up for merchant service from them. They sent a machine that didn't work even after hours on phone with tech support so we sent it back and cancelled service. Then they stole $128.95 out of our account two months in a row for "service" even though the monthly fee we signed up for was only $34.95. I have called them twice and both times they promised a refund after it was approved by "Senior" management. We never got any service because the machine never worked so we pursued an alternative, so they should not get any of our money.Desired Settlement: Refund our $257.90 that was stolen out of our account.

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 account, all rates and fees

have been charged as per contract. Nonetheless in effort to place this issue

aside a full refund has been issued for the dispute amount of $257.90. Please

expect funds to post within 48-72 hours to the bank account we have on file.

Commerce Payment Systems values your business and truly

apologizes for this inconvenience. We truly hope this satisfies your issue, if

it does not please feel free to email me at [redacted], or you can call me

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

Review: I was attempting to find an honest merchant solution. I used [redacted] and [redacted] (owned by [redacted]) was one of the first to contact me. The individual presented himself as being with [redacted]). We discussed terms over several weeks. This turned out to be mostly lies. This individual was a sub-agent of [redacted] under the company Commerce Payment Group, a reseller of [redacted] services, even though he claimed I was going directly through [redacted] claimed I would only be charged 10 basis points (1/10th of a percent) over what the credit card companies charged and there would be no annual fee. Upon reviewing my statement Commerce Payment group charged 19.5 basis points over what [redacted] was charging (10 basis points), totaling 0.295% over what the credit card companies charged. I complained about the additional charges that Commerce Payment Group was receiving yesterday 6-**-14 and magically the next day [redacted] wanted to close my account and attempted to do debit withdraw from my bank account totaling over $12,100 cumulatively over 5 transactions from the money credited to my company's account in May. I stopped the withdraw and now they are holding over $10,000 of my company's money for June's transactions, which would have otherwise been $22,000+. They claim we were only authorized take $3,000 in payments even though we told them we would be taking $20,000-$30,000 in monthly payments. I saw the $3,000 on the agreement and [redacted], my representative, assured me this only meant we could receive a cumulative total of $3,000 in payments monthly on a "day after machine batch (request payment at end of day)" basis. Anything over that might take a couple of days. I assured him we would definitely be taking in more money than that, as we are a [redacted] claims my account is being cancelled because my Portage Wireless Solutions LLC is based out of Florida, the business is in Wisconsin, and I am from Kentucky (with a Kentucky driver's license). All this information was presented on the front end and I was approved, I didn't hide anything, and have been forthcoming about everything. My business is on [redacted]'s website as a [redacted], however, they speak as if my account is being cancelled because it appears suspicious. I believe it is because there are charges that are not reflected in our agreement. The company [redacted] and their authorized re-seller Commerce Payment Group are involved in a highly competitive market, creating a dishonest sales environment. Commerce Payment Group was never mentioned as being involved and they lied and said I was going directly through Evolution. [redacted] didn't thoroughly review my application and they're cancelling me on the back-end rather than doing the due-diligence in underwriting on the front end. Out of approximately 200 transaction made through this machine, zero have been disputed over a 49 day period, but they are considering us risky.Desired Settlement: I want [redacted] to pay me for the $10,000+ credit card charges I ran through their machine. I want Commerce Payment Group (their re-seller) to refund the $99 annual fee that was said to be waived. I want Commerce Payment Group to refund all money made from the 19.5 basis points I was charged, and prepaid shipping to return their merchant device (credit card machine).

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.

Please be advised

funds are on hold due suspicious activity. Risk Mangt has the funds on

hold, as per the notes on the account you have been notified by risk analysis [redacted].

Funds cannot be released.. Please contact [redacted] directly for

further questions.

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: Since the closure of the account with Commerce Payment Group or Systems as they would sometimes call themselves. Which was mainly due to the extreme delay with which our credit card and debit card transactions would go through them. They said and it was written in the agreement of a 24 hour turn around but in reality It would take about 7 to days before the funds would be deposited into the account and it would be after me personally calling to inquire about the funds. On three occasions Commerce Payment Group has taken the monthly service fee about $36.00 2 times in a month and also deducted it from the funds that was processed by us. When inquired why they would explain that there is an equipment charge, which is not true because we use website card processing; we do not need a credit card terminal or any other equipment as their web based software is what we use, this went on for about 2 months and nothing go resolved. The account was closed because of this and Commerce Payment Group decided to hold $674.79 of they money due us, as a result of that and explain that it would be released in about 30 days. That is come and gone and I have been calling since to have them deposit the funds only to be given the run around, they provided the banking information as was requested along with a voided check and they still refused to release the funds they then asked for a Bank Vertification Letter from my bank which was provided, and I travelled to a different state because they bank I use doe not have any local branches in New York area the closest branch is is [redacted]. I drove there paying gas and toll and informed the rep at the bank about the verification which she provided I called Commerce Payment Group and informed them that I got the verification I was told to hold on and was on hold at the bank for exactly one hour before someone would pick up the phone. They said they would call back to speak with the Bank agent and that took another hour before they would call and once on the phone they individual placed [redacted] on hold for 40 minutes and never came back; we. This went on all day on 6/**/14 and each time I called was given a totally different story, they would have someone call [redacted] at the [redacted] bank which she was there and I was at her desk only to it not be them. They refused to send a check and when given a bank account so they can do an ACH deposit they simply ignore. Do not reply to any of the countless emails sent.Desired Settlement: To deposit the $674.79 that is rightfully mine and have received both written confirmation (email) as well as I have recorded telephone conversations from various agents confirming that I am owed the $674.79 and have no reason why they are holding the funds. The time has long passed by their own admission for them to release the funds. They can issue a check to Nautilus Woman in the amount of $674.79 and send to the address [redacted] or deposit the funds in the [redacted] Bank Account they were provided ending in [redacted] which was also provided to them.

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.

Funds have been released as of 6/**/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

Review: We cancelled the application process for two wireless GPS credit card machines because they were unable to process the application and ship the two machines on time as promised for our first event on April **. We had to make last-minute arrangements with another company to process credit card payments at our outdoor event. Commerce Payments sent us the cancellation paperwork via e-mail which we immediately filled out and returned on April **. On May * $131.50 was deducted from our bank account for equipment and insurance for the two credit card machines that were cancelled before the application was approved. No equipment was shipped to us. My wife contacted Commerce Payments several times asking for a refund. They apologized and promised to expedite a refund that normally takes 30 days and we should receive it in two weeks. When the refund was not received, a second call was placed and a refund was promised in one month. We asked to speak to a supervisor and got put on hold and had to hang up because no one would answer the call. We called back and left a second voice mail message with a supervisor but no one returned our second call. A third call was placed and another voice mail message was left but again, no one returned our phone call. We have corresponded several times via e-mail messages demanding a refund with no response from them.Desired Settlement: We expect a full refund with interest and an investigation by State and Federal Authorities for prosecution. The amount of money they have stolen from our bank account may not seem like a lot; however, when you add up the total amount they have stolen from hundreds of people, it is time to put a stop to this company's illegal practices. The unauthorized deduction from our bank account is an act of theft for which Commerce Payments should be prosecuted. We urge you to report this company to the State Attorney General's office, FCC, FTC, and any other appropriate agencies for investigation.

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.

All rates and fees have been charged as per contract.

Nonetheless a refund has been issued a courtesy on both

merchant accounts of $131.50

Please expect refund to post to the bank account we have on

file within 48-72 hours

Please be advised that your merchant account has been

closed.

Commerce Payment Systems values your business and truly

apologizes for this inconvenience. We truly hope this satisfies your issue, if

it does not please feel free to email me at [redacted], or you can call me

directly at [redacted] and ask for me by name.

Thank you