Commerce Payment Systems

Review: I was contacted by [redacted] from [redacted] card to offer a better merchant processing rate for credit cards. He promised a 1.39% rate with no additional monthly fees. He also said if I was not satisfied with their service I could return the machine at their expense. So I agreed. On the first transaction I was charged 5% on $281. I then processed a $2,000 transaction. After requiring much paperwork, the underwriting finally ok'd the payment. Then the Risk Dept. decided to hold $800 because the payment was processed for a deposit on the job. I had the customer's signature as well as an approval code, so they had no right to withhold any funds. They also charged me a $49 annual fee and took that out of my account. I was so angry I cancelled my account. Then they required me to pay for the return of the equipment. The fees were higher in the long run than the company I already had! I will never believe anyone who calls me on the phone again. I will always demand everything in writing from a department head who has the authority to approve it.Desired Settlement: I would like my $49 plus any additional fees over the 1.39% as promised.

Business

Response:

Review: Signed up with Commerce payment systems(CPS)for credit card processing. After I received the card swiper and installed the software and went through every in setting up the account. I even did a test run and asked if everything was ok with the account, because I know that I was going to see a customer with a large ticket item which I explained to CPS. I was informed that everything was all set with my account and that I would have no problem taking the payment. I swiped the customer's card and everything went through on 9**/2014. After returning back to the office I call CPS to find out when the funds would be deposited to my account and I was told that the funds would be deposited in 48 hours. 48 hours would have been Friday 9/**, so I waited on until Monday 9/** to check the account and found out that the funds were not deposited. When I called CPS they said that my account is on hold. Since then they their requests have been impossible and they refuse to fund my account and threatening to refund the money to the client.Desired Settlement: I would like the funds deposited to my account

Business

Response:

In response to this complaint,

All funds have been released to your bank account.

As of today 10/**/2014

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:

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

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

Sincerely,

Business

Response:

In response to this complaint.

First on behalf Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

and fees have been charged as per contract. Nonetheless the refund request has

been approved for the full dispute amount of $78.25

Please be advise a misc credit will be posted within your next 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

Review: I opened my account with Commerce Payment Systems, contract dated May **,2013. I faxed them all the information they had requested and shortly I got one of the free credit card terminals that attach to my phone. I went through the fee and rate schedule and was happy with it. My small home business took a nose dive because of health issues in my immediate family. Even though I never activated or even opened the box the credit card terminal came in, I signed a contract stating they would take out $4.95 (bank service fee) and $5.00 (gateway access fee) every month for a total of $9.95. I never complained about those fees, after all, that is the contract I signed. Problems stated in August 2013, they took out a total of $108.95. I called customer service and they had told it was the insurance fee, however the contract I signed had "N/A" next to the insurance fee. I requested the refund of the extra $99.00. In October 2013, I got a partial refund of $54.10. I would have let it go, however in December 2013, they took another $108.95, again, I only asked to be refunded the $99.00, and then in April 2014, charged me another $108.95! I was told that they had gotten my fax to cancel their services, but until I sent the machine the charges would keep being taken out. Not once did I ever ask to be refunded the $9.95 monthly fees, even though I was not using their services, but all these various $99.00 charges are NOT on my contract. I sent the machine back in April 2014, unopened. I have called customer service several times and I get a different answer every time I call.Desired Settlement: I am asking for a refund of I am asking for a refund of $242.90, which is the $44.90 remaining from August 2013, $99.00 from December 3013, and the final $99.00 from April 2014. None of these fees are on the contract I signed, and therefore, were taking out of my bank without authorization. I simply want what is owed back to me asap. Thank you for your time.

Consumer

Response:

At this time, I have not been contacted by Commerce Payment Systems regarding complaint ID [redacted].

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, all rates and fees have been charged as per contract.

There is no record of a cancellation notice received, the merchant must contact customer services and fill out the cancellation letter. It is the merchants’ responsibility to close the accounts accordantly.

Nonetheless a refund has been issued a for the dispute amount of $242.90

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

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 had previously subscribed to this company for credit card processing. I had informed them that I wished to cancel their services (there was no contract). They emailed me the form, it was completed and mailed back to them. This was mailed on 3/**/14.

On 5/*/14 I saw that had still removed the monthly fees were still being removed from my bank account, despite the fact that I have not used their services. I had called their offices and was unable to reach any person. I have emailed their customer service several times, evening informing them that I was intending on filing a complaint with the Revdex.com. No response.

They charged me again on 6/*/14.

I have no other recourse except to file a formal complaint.Desired Settlement: I expect a full and immediate refund for the months of May and June that I have been charged.

I expect that I will never be charged again.

I expect a written guarantee of both above.

Business

Response:

On behalf of Commerce Payment Systems, I want to deeply apologize for any inconvenience that this may have caused. Not sure what the miscommunication was, but we're going to make sure that this never happens again. We're processing the refund in the amount of $39.90, and this should hit you bank account within 1-2 business days.

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: On March [redacted] 2014 I applied online for a credit card merchant account with Commerce Payment Systems based on very favorable rates I was provided by Sale agent [redacted] However after reading the contract more thoroughly I learned that the rates I was provided were something I would never be paying. In the very small print it listed all these additional fees including small ticket fees. I advised Mr Light my transactions would be $9.00 for everyone to enter my establishment. Therefore my rate fell into this small ticket range and therefore the prices and fees we originally agreed to would never apply to my business. Therefore I requested [redacted] to cancel account I would need to further compare my options and what's best for my business. I decided not to move forward with Commerce Payment Systems for lack of disclosure of fees and because they wanted me to take a form to my bank to verify personal information such as average bank balances. Which I thought was none of their concerns. I received a email dated March [redacted] with a tracking number stating my merchant thermal was being mailed to me. I contact Commerce Payment Systems immediately and requested the unit not to be mailed. It was still shipped almost 20 hours after my converse with the Company. I refused the unit on March [redacted] that UPS tracking number is [redacted], and would prove I refused the unit. I contacted the Commerce Payment Systems several times for cancellations verification. It wasn't until March [redacted] I was told I would need to FAX a form. Therefore I faxed and emailed the form back on March [redacted]. I contacted the company on March [redacted] and ** to verify cancellation and this point the Company no longer responds to any of the emails or provide no type of confirmations by phone. On April [redacted] 2014 I charged 83.95 to my bank and April [redacted] $28.05 I contacted Commerce Payment Systems April [redacted] and was told I still being charge this annual fee for insurance of a credit card thermal I requested never to be mailed.Desired Settlement: I am requesting a refund for $83.95 and $28.05 fees taken out my bank for a service never rendered and cancelled. When I spoke to customer service today April [redacted] I was told she would submit request but it's not guaranteed. It unethical business practices for a company to lie to consumers about fees and still deduct money from their account after they requested cancellation. Therefore shouldn't be any questions in my request. I was deceived and I was buying into a service under false information.

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 $83.95. Please expect refund to

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

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Review: On 8/** a customer ordered 2 cases of Champagne by phone and wanted to pay with 2 credit cards, charging $1134.00 on each. I called Commerce Payment Systems (CPS) to give them a heads-up of this high dollar transaction, and then I ran the card verification before I close the deal. FedEx picked up the cases on 8/** for delivery. I did not see any deposit made to my bank account so I called CPS on 8/** to find out why. I was referred to their ‘Risk Department’, a company named EVO I never knew existed. Risk Rep [redacted] said my account with CPS was flagged because I split charge a sales that resulted to two identical high dollar amounts showing on the account, and such action is prohibited and is considered as a risk. They will put a hold on my funds because 1) it seemed a potential risk to them and 2) I may not have the money to pay back if it is confirmed fraud. I asked her if the cards were fraudulent and she said she has no proof to say so. I reasoned with her and she said I have no rights to dispute their decision because it is in the fine prints on the contract, plus having no say or no right to dispute is also a chance merchants have to take for accepting credit cards for payment. She asked for documents related to the sales for review and I have forwarded same to her. She said they will call me in 45 days with results. Both VISA and MasterCard denied they had rules on split charge, and several other credit card issuers that I checked with afterwards gave the same answer. EVO Risk Manager [redacted] called 2 days after I left him with messages. He said he had no evidence to confirm fraudulent use of cards but insisted to continue to hold my money for 30 days. He further said because the transactions were manually keyed-in instead of swiped, I had lost all rights to dispute but to accept however they would decide. He had even suggested to me to cancel the sales and he would “call off the mess”. I spoke with CPS Manager David today (9/**) who said he still had no information to share with me on the subject. It’s more than two weeks since and no proof had envisaged to show the cards used were fakes. The CPS August statement also showed the transactions were secured and the process fee was charged. They simply held on to my money with no convincing reasons given at all.Desired Settlement: I want CPS to either release the amount $2268.00 to me immediately, or to provide me with solid proof from the card issuer showing those 2 credit cards used were fakes.

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.

I have personally spoken to this merchant over the phone in reference to his funds on hold, the funds are on hold due to split sales, we as a company are liable for an disputes that may occur. A red flag is raised if and a when the sales is suspicious.

The funds will remain on hold as advise to the merchant in case of future incoming chargebacks.

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

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.

Answers

1) The reason are undisclosed due to security purposes, our research and finding are internal information, Rules and regulations, as per contract any potential risk, we as a processor have the legal right to hold any funds up to 270 days. The card holder has up to 1 year to dispute any charges. We as a processor we are liable for any reject that may occur if a chargeback is filed against your business.

2) Funds will be reviewed 30-60 days from the sale for potential release.

3) The card holder has up to 1 years to dispute the charge, the card holders usually file charge 30-60 days from the sale, the potential risk of a chargeback is lower after the 60 day mark.

4) The account has been reviewed and will remain on hold until the due date of the review process.

5) The system will process the sale accordantly, the pay out is handle by the processor

In conclusion, if there was a way to satisfied as customer, we would have. There is no benefit on our end to hold funds just because, there will be no reason for us to hold funds and have an upset merchant on board whom can potentially closed there merchant account. We must follow the procedures accordantly.

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

Consumer

Response:

[redacted]:

I have reviewed the response made by the business in reference to complaint

ID [redacted]

, and find that this resolution is not entirely satisfactory to me but the matter has been resolved.

In reference to complaint ID [redacted], I checked my banking account this morning and noticed CPS had debited $1134.00 from it. I spoke with CPS [redacted] who confirmed a chargeback that initiated the withdrawal. I have nothing to say if the transaction was proven fraudulent and I say the matter has been resolved and this case is closed.

Review: An application for Commerce to process credit cards for this company was submitted. Nothing was ever heard back from them. We later discovered they had begun bank debits that varied in amount from month to month even though they were not processing credit cards for us and had never notified us that our application had been accepted nor had they ever supplied/installed their processing terminal/software.Desired Settlement: We would like the monies they took from us returned.

Business

Response:

Review: Stated deposit in 24 hr's at .15% above discounted rate. 7 days later I am still seeking our batch outs from Authorize.net. Keep stating that it will be 72 hrs for deposit. I called 72hrs later and they stated again it will be 72 hrs. They have $7500.00 of my customers money. Will not release it.Desired Settlement: To be fully recompensed and for them to shut their doors.

Business

Response:

Review: There are various complaints I have with the company 1. I was on hold for 55 minutes on the phone JUST to reach a customer service representative 2. I have communicated that I wanted to cancel the account with sales representative (May) but because there was no response, I was able to communicate with customer service representative to submit cancellation form (June). As a result, our company was charged an additional service charge for the month of June although no services were rendered. Moreover, after submitting cancellation form, there was still no response so I contacted customer service and they were able to find it and processed it almost a month later. 3. There was just ONE welcome email and an email to set up Authorize.net account online. $99 charge (at the time of sign up, sales representative confirmed that this charge will not apply with the company) was automatically debited from the bank account and when I reached customer service, I was told that rules have changed and now the $99 needs to be charged and that a statement was available to view online. When I logged into Authorize.net, there was no statement available that specified the $99 charge. Customer service then responds that there is another online account that we are to log into, of which I have no login information. Customer service rep submitted it to management for refund but it has been rejected and said that the charge was legitimate because we were "notified." 4. False advertisement- when setting up the account, sales representative confirmed and reconfirmed that only a 1.6% rate will be applied for key in. When questioned about what's written in the contract, sales rep confirmed that key in rate is 1.6%. Later, when I contacted customer service, customer service confirmed that the key in rate is 1.6% + 1.5% = 3.1%. When I contacted sales representative, nothing was done to correct the issue.Desired Settlement: Would like $99 and the $8 charged for month of June refunded. $99 was unauthorized and $8 was charged due to the company's slow response.

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.

I have personally spoken with [redacted], and a refund was submitted and the refund should post within the July 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 1-[redacted] and ask for me by name.

Thank you

Consumer

Response:

[redacted]:

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,

Commerce Payment Systems is the WORST company I have ever had the pleasure of doing business with. They lie and give you a runaround when there is a problem and never resolve it. Their customer service reps tell you they will hang up on you after a week of lies. Really! I would urge people to not do business with this company!

Review: In May *, 2013 we signed up with Evolution Bankcard for merchant credit card services. One week later our machine arrived, we called them, hooked it up and they said we were good to go to accept credit cards. Everything appeared to be fine. Now it is August and we noticed that we have not received any statement from the company yet and we were never told us that it was online only. So we retrieved our online statements to find the company's name is Commerce Payment Systems form Hewlett, NY, and that not only did they deduct $99.00 for "PCI-DSS Regulations Update charge (that other people are complaining about) which this fee is NOT part of our contract either. But they managed to deduct all of their credit card transaction fees and processing charges totaling almost $400..... EXCEPT THEY HAVE FAILED TO MAKE ANY OF THE DEPOSITS FROM OUR CUSTOMERS !!!! TOTALING OVER $11,000 !!!! Isn't that the whole purpose of their company? To make sure we get paid? We called them to straighten this out and they told us they sent an email (May **, 2013) notifying us that they needed more information from us to release OUR funds! I looked up the ONE email, the subject for this Important email is, "A+ Sign Station- Welcome to Commerce Payment Group!" inside the email had a number to call, so we called them, we did their bank verification and answered many personal information questions. ( I am now worried about my identity being stolen by this FRAUDULENT company). Now they are insisting that they will not "Release OUR funds" to us until we give them a certain customers Name, phone number, and address as well as their invoice statement. We are not comfortable with this company, and don't feel we should give out any customers private information. So they Refuse to give us our money because we don't want to give out our customers personal information... THEY ARE HOLDING OVER $11,000 OF OURS!!!! OUR MESSAGE TO THEM: We feel this is a fraudulent way of doing business. Totally unacceptable, not only are you holding over 11K of OUR money, but you have conveniently been deducting your own fees from our account for the past three months. (Your getting your paycheck, but we are not) Also there is a fee of $ 99 for PCI-DSS Regulations Update on our June Statement. You need to credit that fee back to our account also. It says nowhere in our contract that we will be receiving a yearly fee of $99 for that. That is also a fraudulent fee. IF YOU FEEL THAT IS THE WAY TO DO BUSINESS YOUR BUSINESS ETHICS ARE WORTHLESS! After all the whole purpose of your company is to make sure WE get paid from our customers!!!!Desired Settlement: They need to refund us the $99 Unauthorized charge and PAY US OUR MONEY! ALL of the OVER $11,000 of our customers credit card transactions that they owe us! And a big apology would be nice.

Business

Response:

Review: We used CPS for credit card processing for approximately one year. We discontinued their service in May 2013, but they have continued to debit our bank account. Despite numerous phone calls, emails and faxes they have continued the unauthorized and fraudulent charges. They have acknowledged by phone that the charges should have ceased months ago.Desired Settlement: Discontinue charges, and refund all charges since May plus a minimum of $200 for time and expenses in attempting to get them to discontinue these fraudulent charges.

Business

Response:

Review: This credit card processing company was to supply my business with the necessary equipment in order for us to switch to their company. The equipment never arrived. Commerce has charged our account four times, once a month, for services never rendered. I spoke to a customer service rep in July. And then again in late July I left a message for the management. No one has ever returned my calls. I called again August *, was told I needed to complete paperwork. I faxed over the paperwork to cancel the account that day. Then for a second time August [redacted]. Was told a refund would be issued at the end of the month and the account was "closed". Today, September [redacted] they have charged another amount. When I called the company I was told no one in management was available (this is the 3rd time they have said that) and that I was denied a refund because I only submitted paperwork in August. I was transferred to a empty generic voice mail and told to leave a message.Desired Settlement: I just want the money they removed from the account without permission returned to the account.

Business

Response:

Review: I closed my business back in Jan 2013. I kept the checking account open & kept seeing recurring fees. I worked through a maze to determine Commerce Payment Systems was the originator. I finally got through and contacted them to understand they were charging me a "Non-Use fee" for my credit card processing. I had not transacted in 18 months. Why I never noticed before is my fault ? I asked them to at least reimburse the last 6 months when the business was dissolved. There was NO REPLY. I filled out their cancellation form and emailed it in. They never acknowledged and continued to bill me. I called today (6/**/2013) and finally reached a CSR. The person was rude and unhelpful explaining too bad you signed a contract. I asked why the fees varied month to month and she went off explaining it was their right. She then told me I received a monthly bill. I have not seen a bill since it started. She said I needed to go online to pull it up. I don't ever recall agreeing to this process.

Commerce Payment Systems is very vague about policies/ rights. They are deceptive and unprofessional. No one should do business with them. I believe I was introduced via CostCo advertisement which will be my next avenue of complaint.Desired Settlement: I'd like to be reimbursed for all non-use charges. I'd be willing to accept blame for 1/2 of the costs close to $2500 charged to date. Please refund me $1250.

Business

Response:

Review: Well, if you NEVER want help in your business, if you NEVER want to speak to anyone, if you NEVER want a resolution for any of your business needs, then this is the company for you! I am especially fond of [redacted], he is ALWAYS in a meeting, never responds to email nor returns phone calls. And I do not want to forget [redacted], our customer service rep... He has the knack for signing you up for the service, way more than you would need to conveniently line his pockets and then DISAPPEARS from all modes of communication. Today is August 2014, I have been trying to resolve our issue with them since October of 2013. And as I type, I am sitting on hold, 20 minutes now.... sigh, liars, thieves and completely unprofessional. If they call you to solicit your business, no matter how low a rate they offer, RUN!!!

I have attempted since October 2013 since I first found the error to resolve to no avail. I requested closure to the three accounts, yes three, they had a small less than $100,000.00 in sales to have THREE banking accounts. They kindly say yes, but continue to charge. Everybody is so nice on the phone, but no one has authority. I have called, spent numerous hours o hold, sent a billion words in emails, faxed and now, ALL I WANT is my money back for the withdrawals they took. I can't even close the account because they claim they will only return the money to the account from which it was taken.Desired Settlement: Have them refund the monthly charges from the accounts that were closed in October 2013. Thank you and please warn all business to RUN FROM this 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.

Refund was issued back on 08/**/2014 please allow 48-72

hours to have your bank post the refund. Please see proof of the refund in form

of attachment.

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:

The funds were just deposited in the amount of $198.75. We closed the accounts in October 2013. In October we were charged $19.95 and $20.00 for the minimum monthly charge. In November, again $19.95 and $20.00. In December $118.95, $118.95 and $119.00. In January 2014, $19.95, $19.95 and $20.00. In February, $19.95, $19.95 and $20.00. March, $19.95, $19.95 and $20.00. April, $118.95, $118.95 and $119.00. May, $19.95, $19.95 and $20.00. In June $19.95, $19.95 and $20.00. We attempted to close that bank account and move our business to another bank and discovered we were overdrawn because they attempted to make yet ANOTHER withdrawal.

I was assured the accounts were closed in October and again in June, perhaps I should have paid more attention. Either way, I reached out by phone, by email and by fax. The management is ALWAYS in a meeting, They DO NOT return calls. Only when I made this report to Revdex.com have I received a halfway resolution. Commerce didn't even have the decency to correspond with me directly.

All told, we are owed $1,093.20 plus the overdraft fees from Community first in the amount of $65.95, minus the $198.75. Final amount as of today - $960.40. The longer Commerce delays, the more fees are attached. Should I also include the numerous man hours wasted attempting to contact them? I cannot close the bank account because Commerce will not issue a check, they will only refund to the bank where the funds were removed. Community First, our bank, wants their monthly fees for an open account, and rightfully so. Please tell me what I am supposed to do? How can I continue to run a business when I spend my time chasing money that was wrongfully removed from our account?

I want this resolved NOW, I have been patient, I have been resilient, I have been persistent.

Thank you and I am sorry it had to come to this.

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.

So far the refunds below has been issued and processed

Merchant ID [redacted] refunded $337.65 on 06/2014

Merchant ID [redacted] refunded $198.75 on 08/**/2014

Please advise these refunds are given as a courtesy and no

record of cancellation letter have never been received. Nonetheless the

following refund will be issued

Merchant ID [redacted] will be refunded $358.00

Merchant ID [redacted] will be refunded $237.85

That is a total of $1,132.25 that has been refunded.

No further refunds will be issued after these are settled.

All of you merchant accounts have been closed please expect

funds to post within 48-72 hours back to the bank account we have on hold.

Your merchant account has been officially closed.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Review: We signed a contract with this company back on 03/**/2014, we cancelled the service on 04/**/2014 by phone with Agent [redacted], we received the cancellation form and was faxed back on 04/**/2014 I have proof of the cancellation, we also sent the terminal back to this company and I have confirmation from post office that was delivered on 04/**/2014, was sent priority mail under my company expense. I was clearly told over the phone that there will be not charges for cancelling the service as long as the terminal was in good shape, Terminal was in excellent shape brand new. We only use the terminal one time, we only had one transaction according to they advertising they offer that any transactions will be funded into the account within 24 hours, this was our first complaint because it took actually 72 hours to send the fund to our bank account, on top of that we were charge for $39.00 Insurance for a year and when we cancel the service they did not refund us the fee for $39.00. because of this we definitely were not happy with the services and all hidden fees. that is when on 04/**/2014 we called and cancel the service.

According to they're advertising they claim that service fees are only $4.95 per month, however when I cancel the service I was told that it is $25.00 per month and it will lower if I get a lot of sales within the month. this company has hidden fees which they do not mention. When the contact was signed we question the fees and we were told by Salesman [redacted] that we will not get charge, contract shows $4.95 bank service fees monthly which was the original offer even on they're advertisement which I still have show $4.95 per month. to our surprise we were charge $19.00 as a monthly fee in addition to the $39.00.

on May *, 2014 this company went and took money out from our Bank Account for $121.74 - this charge was not authorized and is a fraudulent charge. We want our money back! We did not authorized this charge and all they are doing is steeling money from others, creating they're new additional fees, which we were told very clear that there were not additional charges. In fact the date we received the cancellation letter all they did was offering extra services not information from an additional charge. I have all the proof from the e-mail received with the cancellation letter and when the terminal was received by this company.

We only had the service for 6 days because were not happy, with all the hidden fees and lies. we are an small company, and we can not have other companies steeling money from our bank.Desired Settlement: We want our refund for $121.74 that this company stole from our account.

for sure I will not use services with this thieves. they do not have the right to come a take money out from others 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 merchant account, all rates

and fees have been charged as per contract.

There is no record of a cancellation notice received, the

merchant must contact customer services and fill out the cancellation letter.

It is the merchants’ responsibility to close the accounts accordantly.

Nonetheless a refund has been issued a courtesy on both

merchant accounts of $121.74

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

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:

Enclosed you will find a copy of the cancelation sent on 04/**/2014, shows confirmation of the fax and I also have the written notice from Postal Service when the Machine was received by your company on 04/**/2014 which according to your employee will complete the process of cancelation, if now you are telling me that it was never received you are a liar and your company is a rip off. Yes you gave me a refund because we were entitled to received my money back you were taking money out of my bank account without authorization. If you do not have good workers that they do not keep records it is not my fault.

And I will sustain that this company is a rip off and should not be doing business.

?

For sure I will not open any service with this type of company.

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

Sincerely,

Business

Response:

Good Afternoon,

I just called the merchant to give her the heads up, that her refund of $121.74 has been processed and should hit her account within 1-2 business days. We're definitely sorry for any miscommunication, and also apologize for any inconvenience.

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: We closed our merchant account with CPS in June 2013. They continued to debit our bank account for monthly credit card processing fees until October 2013. We phoned them on numerous occasions and they finally stopped the unauthorized debits to our account. However, they still have not refunded those unauthorized charges, even though they promised repeatedly that the money would be back in our bank account promptly. This has been ongoing for six months, so we are filing this complaint with the Revdex.com to shed light on their billing practices.Desired Settlement: We just want the unauthorized charges totaling $157.20 returned to our bank account.

Business

Response:

Review: Called and complained numerous times about the fees that were being charged that weren't disclosed. Finally called and cancelled my service on 5/**/13 by phone. They gave me the address to return the equipment to which I did. They said it would take 1 billing cycle for me to receive a refund of the 89.95 that I had paid for the protection plan on their equipment that I returned. On June **,2013 I called to verify that my account had been cancelled and I also sent an email requesting AGAIN that they cancel my account and refund the money owed to me. [redacted] NEVER advised that I needed to sign a form to cancel (which now they're stating is why they didn't cancel my account) but I wasn't advised I needed to sign anything at the time I called for the address to return the equipment, the time I called to verify or in response to my email that was sent to their customer service department. So then in December they decided to draw 128.95 from my checking account for service which I have not had or used and couldn't since I returned their equipment in June. I called on 12/*/13 to ask why there was a charge to which they said they didn't get a cancellation form which of course I wasn't told they needed and that they would get it cancelled and my money refunded- 89.95, the overdraft they caused by pulling money that was unauthorized back in May of $70.00 and the $128.95. Tony said it would take 48-72 hours to process. I called back again today to see the progress and spoke to [redacted]. I was advised that they were not refunding any of my money as they didn't receive a cancellation. It isn't my fault that their rep didn't send or advise me that I need to sign a cancellation. I made the fact I wanted to cancel known by phone 2x's and email which I have a read receipt for from their customer service department. This is shady business practices to take peoples money.Desired Settlement: I want a refund for all the above listed charges that they illegally made on my account.

Business

Response:

Review: In October 2013 I filed all necessary paperwork to get an account with Commerce Payment Systems to process our credit card orders. We we approved and I proceeded to process orders within the parameters they set for our account. All October transactions went smoothly. On November [redacted], I tried to put through a transaction through their processor, [redacted], and my transaction was rejected. I called [redacted] and they informed me our account was closed and that I had to contact Commerce to find out why. I contacted Commerce and spoke to numerous people who told me absolutely nothing except that the account was indeed closed. They would not give me a reason and said that I would received written notification with the reason. I have to date, not received any written notification. One of the people I spoke to at Commerce on November [redacted], I believe let it slip, that it looked like a large transaction (over my limit) was maybe attempted and that might be why but I told him I did not process any transactions outside of my account parameters and he needed to have that checked out. I thought that maybe someone with a similar account might have put in our account by mistake. He said he would check into it and get back to me but he never did. I tried to get someone numerous times since then to tell me something - probably 8 phone calls and as many emails to Commerce from me have resulted in absolutely no verbal or written reason as to why this all happened after I "jumped through their hoops" to get a lower interest rate from them for our business. If I had closed out permanently my old merchant account , our business would have suffered a standstill until I could sign up with someone new. I feel that their way of doing business was a terrible experience and that someone should hold them accountable for their business practices.Desired Settlement: I would like a letter from Commerce payment systems apologizing for whatever happened, with a complete explanation of exactly what did happen. I filed this complaint so others can check with the Revdex.com and see what a terrible service they offer but I do require a written notification because it was told to me that I would receive one directly from Commerce.t

Business

Response:

Review: I was sent a merchant machine that I was not approved to have and they charge me to send it back. They also charged me fees and refused to refund full amount of my transactions that was used on the merchant machine. I reported them to the FTC. They don't have good business practice. How could a company send you a merchant machine , you call to verify and they say its approved then when you use it they say it was sent by accident. They wanted me to pay to send back the machine. They kept my money and only refunded half plus they debited money from my bank account. Dont ever get a merchant machine with this company.Desired Settlement: they refused to give me my money they said it was there fault I used the machine. They even debited money frm my account knowing I was not approved for the credit card machine. They are out to get people hard earned money.

Business

Response: