Commerce Payment Systems

Review: Commerce Payment System is a company providing credit card system for business like us, we signed an application with them to provide us with the credit card machine for our business, while they are processing our application and before we get approved, and before receiving their kit include the credit card machine, Commerce Payment System with out notifying us charged our bank account total of $ 20.43 , we called them and told them this is unauthorized bank debit ask from them to refund it and we cancel our application with them on 6/**/2013 they promised that they will refund the money on 7/*/2013, instead of refunding the money 7/*/2013 they charged us again the amount of $ 113.95 also this is unauthorized bank debit , we called again asked refund but we did not get any positive respond other than waiting on hold one to two hours every time we calledDesired Settlement: I expect from them to refund the money for both charges, quit charging my account and a letter from them

Business

Response:

Review: Signed up with this company and got required information to them. Even going out of my way driving to get additional information to them. Since 7-**-15 have numerously daily called them and emailed the proper channels to get my money released and can't get a hold of them. Phone line goes to another company handling their calls, since supposedly their phone lines are down. Guess every number is down and every email is down too that I have. So I cancelled my account on 7-**-15 by email and still have proof. Since that is what the people answering the phone said to do and gave me the email address to send my cancellation letter too. Since Friday, I have called and emailed and nothing. The other company said they would put priority emails in, no call back, no email, even though they promised me I would have received. Still no funds available. This week they charged me a processing fee, didn't clear my bank, wonder why, Oh yes, they still have my funds on hold. Yet my bank gave me another fee, go figure. Called the service company since still can't get a hold of my CC processing company, and was to have corrected since account was closed and promised my funds available if not by Tuesday night, then Wednesday morning at the latest. Then Wednesday. Then Thursday morning. Called today, Thursday and was on hold and spoke to one lady at this answering service for 1 hour and 3 minutes. Now I'm told that they want to charge me $36 since my $18 and change fee didn't go through. That's right, and they still are sitting on my funds from beginning of last week. Plus they said there was no cancellation letter noted. Come on, they received last Friday and the lady I spoke to on this Tuesday said she saw my account was cancelled. All they said they would do was to send an email to the company, like every person has said. Try to talk to a manager or another department, "Oh we're sorry, they are busy right now. I can't get a hold of anyone, but I sent an email to them." This is not how a business is ran! I felt last week this was a scam, that's why I tried to cancel after days on not being able to reach anyone by multiple numbers, email addresses, and even through this answering company and their emails to this fraudulent company!Desired Settlement: I want them to process my credit card charge that I sent them for work done by a customer of mine. Want the fees removed and whole $82.96 sent through, plus want all fees that my bank charged me, since my funds never went through in a day as they said it would, paid back too! If they weren't sitting on my money for 10 days now, I wouldn't have had any fees from my bank. Plus by next week, will likely be duplicate fees coming thru again. So far $75.00 from bank in fees.

Consumer

Response:

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

Review: In April of 2014 I was approached at our business to discuss changing our credit card scanning system. As it turned out we decided to stay with who we were using. WE signed paper work but need a 3 way call with our bank and [redacted] which never happened. When they called to confirm with the bank I told the caller I changed my mind and there is no need to call the bank. The next month they started to take fees out of our account. And made monthly withdrawals. We did not notice at first as it is the same name as the one we were using. When calling our bank they did some checking and told us it was [redacted], which is not our Electronic Credit card provider. WE have never received one statement which in calling them they said they send the via e-mail. I went through all e-mail and have including junk and trash and the only statement we had is in regards to being disappointed the could not service us and if we would sign with them. I going through things there found the scanner. It was never taken out of the box or ever used.Desired Settlement: Refund check. Prevent these businesses from these shady business practices. Its very frustrating as a small business owner that they find ways to take advantage. If we had goo ton statements from them we would have know what was going on.

Business

Response:

First and foremost, I would like to apologize for any inconvenience that this may have caused you. The only call or attempt that we see in cancelling this account, was on January [redacted], and this account was closed accordingly. As per your terms and agreements, you are solely responsible for cancelling your account. We will issue a courtesy refund in the amount of $79.90 which you will see in your bank account within 2-4 business days. Please take note also that any equipment that is still in your possession, will have to be mailed back accordingly.If you have any further questions regarding this refund, please call our customer service department at ###-###-####.

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] The women that called to make the three way phone call new that I changed my mind, I do not understand how you can take money out of an account without talking with me and the Bank. AS this procedure never happened the account should have never been activated.

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

Sincerely,

Business

Response:

Good Afternoon, I was able to explain your case to upper management, and they approved the full refund. We will be issuing a second refund for the difference in the amount of $278.10. The reason why the monthly charges were being deducted, is because we have a signed agreement from you. When you want to cancel an account, we have a procedure involving filling out a cancellation form. According to our records, we never received a signed cancellation form from you, authorizing us to close your account. You should see this refund within the next 2-3 business days. We deeply apologize for any inconvenience that this may have caused. If you have any further questions regarding this issues, please feel free to call us at ###-###-####.

Review: My name is [redacted], the [redacted] of PINE GROVE MOTEL in [redacted]. I signed up for services with COMMERCE PAYMENTS on FEBRUARY **, 2014. After researching the company and the many violations, complaints, and false advertising; I decided to cancel service immediately. COMMERCE PAYMENTS shipped me a Credit Card processing terminal which I did not accept delivery. They still sent another shipment to my business. I returned the opened package back to them at my expense. In spite of this, they unethically opened two retail accounts which do not even exist and deducted $114.00 and $118.95 from my checking account; in addition they deducted $69.45 for the terminal which I never accepted or installed.

I called the salesman ([redacted]) and their customer service department many, many times and they never return my calls for refund my money. COMMERCE PAYMENTS state in their mail flyers there are no cancellation fees. They also have falsely used the Revdex.com logo in the past. The Revdex.com has over 435 complaints against this company. I seek full restitution:

$114.00 --- Taken from my checking account for creating a false merchant account

$118.95 --- Taken from my checking account for creating a second false merchant account

$69.45 --- Taken from my checking account for a terminal fee which I never accepted

$10.00 --- Money it cost me to ship the unopened terminal back to them

=================================================================

TOTAL: $312.40Desired Settlement: I seek full restitution:

$114.00 --- Taken from my checking account for creating a false merchant account

$118.95 --- Taken from my checking account for creating a second false merchant account

$69.45 --- Taken from my checking account for a terminal fee which I never accepted

$10.00 --- Money it cost me to ship the unopened terminal back to them

=================================================================

TOTAL: $312.40

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 put this

issue aside a full refund has been issuded for the dispute amount.

Please expect it to post as 2 separate deposits $114.00 and

also $188.40 total of $302.40. This was the amounts charged to your merchant

accounts.

This refund will post back to your bank account within 48-72

hours to the bank account we have on file.

Commerce Payment Systems values your business and truly

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

it does not please feel free to email me at [redacted]

or you can call me directly at ###-###-#### and ask for me by name.

Thank you

Review: I own a small Business, that has a contract with Commerce Payment Systems, as a credit card processing. On 06/**/14 a credit card was ran and authorized for a service that was completed. Credit card was authorized and services were completed. At the end of the day a successful credit card settlement report was sent. Now I received a phone call that they will be holding my money for 45 days. What gives them the right? They take a percentage, and I pay them for the risk. And if god for bid there is a charge back they take it right away. I have a contract that says no where do they have this right. They will not do anything to resolve this except be rude, and transfer me to a voicemail. They will not let me talk to a [redacted] or [redacted]. I have had large charges before and there never was a issue before.Desired Settlement: I want payment for the services that were performed now. I am suppose to be paid in 24 hours from the transaction.

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, as per the

signed agreement, your contract states that your average ticket is $65.00 and

you high ticket is $200.00. You processed a sale totaling $2,350. This flag our

system, us a processor if this sale chargebacks

and the withdraw is blocked by your bank account for any reason, we are

liable for it. We have every right to validate all the sales that raises a flag

on our end. And due to the fact that you went over your high ticket, your funds

will remain on hold 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 ###-###-#### and ask for me by name.

Thank you

Review: Account closed January *. On March * they withdrew $9.95, and then on April * they withdrew $108.95.Desired Settlement: Total refund, and to stop taking my money

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 $118.90. Please expect refund to

post within 3-4 business days to the bank

account we have on file.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: This company has made me signed up for their merchant processing service with false advertisement and not disclosing several hidden fees they were charging. After I cancelled my contract with them on Dec [redacted], 2013 they have been charging my business account every month for different reasons. Several attempts to speak with them and trying to solve the issue was unsuccessful and last time I was on the phone with representative, as soon as I mentioned I will file a complaint against them, they hung up on me.Desired Settlement: Since the contract is officially terminated on Dec [redacted] 2013, every automatic debit from this company from my account is unauthorized and they have to be refunded.

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 $247.90. Please expect refund to

post within 3-4 business days to the bank

account we have on file.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I was quoted a set of rates for credit card processing and after I signed up I received much higher rates all sorts of charges for fees were not disclosed to me. In addition the statement is very hard to read which seems to be on purpose to make it hard to keep track of all the fees. I have contacted customer support more than 10 times and was not able to get someone to return a call and help sort this out.Desired Settlement: Adjust previous billing and honor the rates quoted going forward.

Business

Response:

Review: Sent me and charged me for a credit card terminal and insurance I opted out of; did not follow through by sending return information and still charged my account for the equipment after I contacted them in regard to the mistake. **After I contacted them a second time they did send me a UPS return label, however they have not refunded the money for the product service at this time (credit card terminal and insurance for the machine).

Possibly compromised my information (financial, credit, etc) - since providing them with the following information I have had several attempts and at least one successful instance of someone opening credit cards in my name (unauthorized). There has been no course of action to assist me nor do they have a department to handle my concern that someone in their company possibly compromised my information.

New Accounts answers phone calls; customer service always has 25 "callers ahead of me." Wait time to speak to someone approaches 30 - 45 minutes. Transfers have ended in hang ups on two occasions, after experiencing the long wait time to speak to someone. New Accounts Senior Representative, [redacted], has not returned 3 voicemails I have left with him.

Currently have not received any of the funds that have been ran through this merchant account and should have been deposited into my account. When I call to inquire, there is always "more information" that they require. On the last occasion they "thanked me" for sending them a document I never sent them (when I brought this to their attention, the Customer Representative told me the document was interchangeable within their agency. When I contacted them the third time in regard to them holding my funds in reserve, they informed me that I still hadn't sent them a document they required. Customer Service Representative was able to track down the latter document and apologized that it "didn't look like what she was using to seeing" (it was my professional license). Received a phone call from their underwriting department, asking me very suspect information necessary to deposit the funds into my account. I provided them with the necessary information, it caused my concern, so I began researching them and discovered they go by several names (subsidiaries) and are not accredited by the Revdex.com and have numerous complaints. I now regret providing them with so much information and feel it is connected with the identity theft issues I have been having.

All correspondance list them as being Evolution Bank Card; website is [redacted], when I call their automated system states Commerce Payment Systems with a different web address.Desired Settlement: Report to help expose their unethical business practices - potential scam?

Assistance in determining if my personal (financial) information has been compromised; follow up that the credit card information of my customers has not been compromised.

Business

Response:

Review: Signed up for the mobile credit card processing service and first device sent did not work on my phone, 2nd device was eventually able to get it installed on my phone, but never processed any payments. Then found out we would be charged a $34.95 visa charge. After reading that, called to cancel the service. I received cancellation confirmation dated 7-**-15 which upon further calls, they did not show. I have faxed this to them on 3 separate occasions. My account has been charged $21.10 on 7/*/15, $54.90 on 8/*/15, and $19.95 on 9/*/15. I have not once used the service. Patsy at ext. [redacted] told us we would get a refund for $95.95 at the first of Oct. Have not and she has not returned my numerous voice messages.Desired Settlement: Would like to receive the $95.95 refund we were told we would receive.

Consumer

Response:

At this time, my complaint, ID [redacted] regarding Commerce Payment Systems has been resolved.

Sincerely,[redacted]

Review: I use Commerce Systems for process credit card transactions. I have had issues with them since the past summer. When I originally opened my account I was told I would not incur any charges other than a1.99% processing fee for running [redacted] transactions. The first thing that happened was a $50.00 charge for something they said [redacted] and [redacted] actually charged everyone. I complained, they corrrected it. Once I actually began using the system in May or June of 2014, I got hit with these extra fees in the 2 to 4 dollar ranage. I called and explained that I wasn't supposed to get any additional charges to my account based on my agreement. Initially they honored this and said they would note my account and stop this practice. In October and November I was charged an additional 3.30 and 3.48. Although they stated that they would correct this it has not been done to date. In early December I ran charges of 330.00 and 150.00. I received my payment of 323.44 and 147.01 (these were correct). However, I was charged 101.00 along with these credits by Commerce Payments. When I called, they stated that it was some charge related to something the IRS was placing on all processors. I complained and they promised to refund it. in 10 business days. Since they hadn't refunded me the other monies in question, I didn't trust this. I spoke to my bank about this and explained what happened. They posted a temporary credit. I waited and heard nothing from e-commerce. On December **, 2014 I ran a payment of 160.00 and on December [redacted] I ran another one for 100.00. Upon waiting through the holiday I checked my account on the [redacted] and there were no payments posted. I called them and was informed that since I "rejected" the 101.00 fee my funds were placed on hold. After arguing with customer service and finally getting to a supervisor ([redacted]) he said he would correct everything and get a refund and a payment processed ASAP (as long as my bank would write a letter stating that there would be no problems with Commerce Systems depositing or charging to my account, which I did). He stated that the total of 260.00 minus the 1.99 % would be in my account by Tuesday December **, 2014. Today I checked my account and there was nothing. I called and they stated that a refund was issued for 125.83 and should be in my bank and that the other payment of 123.83 was processes yesterday (this was not the guarantee and also these two amounts added together come to 249.66 which is 5.17 more than I should be charged). We even called my bank, at the manager's insistence ([redacted]) and the bank ([redacted]) verified that they see no penidng transactions and no credits to my account. [redacted] vowed to work on this all day and get my funds to me by tomorrow and also "process" a refund of 5.17 since the system doulbe charged me on the above process. My problem is this: Commerce payments does not deliver what they promise and their customer service is poor. I cannot run my very small business with issues like this holding my monies up as well as nickel and dime tack on fees that were not supposed to be placed on me. The payments I ran over 1 week ago have now been held up for six days when they are supposed to be available in two business days and as you can see, this is not the first issue I have had with them.Desired Settlement: I want a refund or return of all monies due to me and interest on all money owed to me including the 3.30 and 3.48 charges still due to me.

Business

Response:

Hi [redacted], Again, I would like to apologize for any inconvenience that this may have caused you. Please see attached statement showing that we processed a refund already for $131.00 to your bank account. As we discussed today per our conversation, these funds could take a few business days to show up in your bank account. The difference of your claim which is $129, should also be in your account within the next few business days. As promised this morning, I'm working on this for you on my end. Updates will follow as they come in.

Review: I initiated use of Commerce Payment Group in my professional office because the company website FALSELY advertised a Revdex.com affiliation. I never received statements, and customer service claimed that I only had access to the on line statements. I was unable to log on, and when I finally requested a written statement I was CHARGED A FEE OF $100 for the sole month of November (1 REPORT FEE = $100 - PLUS the REGULAR $10 a month for on line statements). I don't understand why should any company charge twice for the same document and information? I guess the practice is set in place to discourage clients from actually looking at the numbers. Which is what I finally did in November.And of course when I checked, the applied DISCOUNT RATES and FEES applied, and additional surcharges, in 75% of the total monthly transactions processed the comprehensive rate was on average 6%. The advertised rate is 1.59% when a card is swiped. And in our office the personnel is instructed to ALWAYS swipe and NEVER key in, mainly for security reasons. I will contact alternative companies for the service, but there must be an institution that prevents this kind of behavior. I will never recover the thousand of dollars the company surcharged. But AT LEAST I request a REFUND OF THE $100 REPORT FEE (statement fee?). The amount is CLEARLY BEYOND any standard banking practice in the US. Thank You for your consideration.Desired Settlement: I request a REFUND OF AT LEAST THE $100 REPORT FEE posted on my account in Novemeber. It is a fee that is CLEARLY BEYOND any standard banking practice in the US.

Business

Response:

Review: This company solicited our business many times. The sales person verbally told me on several occasions that a PCI compliance charge is charged only by resellers, she said Commerce Payment Systems was not a reseller and there would not be any PCI compliant charges from Commerce Payment Systems. In May we were charged $99.00 PCI compliance charge. Upon calling to inquire about the charge especially since this was the main reason we changed from our other credit card processer to Commerce Payment Systems, I was told that my concern would be reviewed at the end of the month. Our June statement showed a credit of $49.50. Again I call to inquire why only half of the charge was credited. I was told that the remainder ($49.50) of the PCI compliance charge stands (every credit card processer charges it) and we were credited for half of the amount because we were "lied" to. The sales person remains in her job and continues to lie to new propestive customers.

We have filed a complaint a few months ago for this company holding our credit card payment funds and the Revdex.com was succesful in assisting us with getting those funds released.aDesired Settlement: Commerce Payment Systems should credit our bank account for the remaining $49.50. The sales person should be dismissed (and if not then they are encouraging misrepresentation of their service).

Business

Response:

Review: Go to the Evolution Bankcard website, and it reads, "Get a reliable, low cost merchant account without any hassles, START-UP COSTS or locked-in contracts. State of the art terminals for every business type are yours FREE - with no locked-in contract. Debit 0.25%, Credit 1.40%, Transaction Fee .10 cents, and MONTHLY FEE of $4.95

I thought it was too good to be true, but smooth-talking [redacted] at Evolution Bankcard (aka Commerce Payment Systems) told me it's all true. I'll simply be charged the $4.95 per month, and enjoy all of the great benefits.

What [redacted] NEVER told me was that I would be charged an upfront annual fee of $128.95, and a second annual upfront annual fee for $123.95 ---- AND a monthly fee of $44.90 (as opposed to $4.95). He asked me if I wanted the ability to KEY IN a credit card number, and I said YES. What [redacted] DIDN'T tell me was that I would be charged a SEPARATE ANNUAL FEE of over $120 ---- so he was not at all forthcoming about the charges.

Furthermore I NEVER ACTIVATED MY TERMINAL. I was taken aback by these charges I was never told about. I immediately sent a CANCELLATION request via fax (WITH CONFIRMATION), I sent the same cancellation request to customer support via EMAIL after the rep gave me the email address to send it to, AND I sent the terminal back with USPS CONFIRMATION.

After all that was done, Commerce Payment Systems (Evolution Bankcard) continued to take money out of my bank account.

I am asking for a refund in the amount of $342.70 fro services I never used - nor even activated.Desired Settlement: Refund for services never used; $342.70

Business

Response:

Review: I was contacted by a rep in early to mid July of 2014 about using [redacted]'s services. I informed this rep that we utilize [redacted] as our credit card processor and he told me that [redacted] could beat [redacted] rates. This was the first misleading statement of several. After being told it would only take 10 minutes of my time, I spent a total of approximately 4-6 hours speaking with an [redacted] rep ([redacted]) and jumping through the hoops to sign up with [redacted]. Admittedly, I should have hung up the phone, but I didn't and a few days later I received a package with a card reader that plugged into my cellular phone along with instructions for activating the account.

Upon contacting [redacted] and speaking with [redacted], she informed me that in order for me to finish setting up my account they would need several additional items due to my “low credit standing”. These items included a cosigner, a business utility bill and a copy of a recent telephone bill of an alternate number. Additionally, I was informed that I may have to provide personal information of my clientele to [redacted]. For all of these reasons, I told them that I would NOT be using [redacted]'s Processing Services and they would need to send for their reader if they wanted it back. [redacted] acknowledged this and the phone call was ended. In my mind, the conversation was over since they stated, both over the phone and in an email, that they could not provide service to me without the additional documentation.

Fast forward to early 2015 and I notice several charges on my bank statement of rather large amounts. Their is no readily available phone number associated with these charges and I had to speak with my personal banker. She managed to track down the number to [redacted]. She spoke with [redacted] (Badge #[redacted]) who confirmed to her that I have NEVER used the services I was being charged for. I had to personally call [redacted] to obtain the cancellation form, which oddly needs to be faxed even thought everything else that I had sent to [redacted] needed to be emailed, and not to mention that by [redacted]'s own dictation the account never should have been activated.Desired Settlement: “Customer Service Reps” were very misleading, predatory and unethical when attempting to get our business. I am convinced that [redacted] is purely a scam set out to prey upon small business owners. Aside from the fact that their rates are higher than just about any I have ever seen, and they claim just the opposite, they also use end around diversionary tactics to obtain information from potential customers and then set terms that are obscenely unreasonable.

Any sane person that owns a small business would not agree to their terms and I did not. However, they used information that they obtained from me in the early stages to pillage my bank account of ridiculous amounts of money for several months under a very inconspicuous charge with no attached name or number as a contact. Upon further investigation, I believe that [redacted] is just one name of several being used by scam artists at this address. I feel that this information needs to be forwarded to the proper authorities in the state of New York so that they can be investigated.

Business

Response:

In response to this complaint. First on behalf [redacted] I would like to apologizefor the inconvenience this has caused you. I personally contacted [redacted] and apologized for allhis issues. After carefully reviewing your merchant account, all rates and feeshave been charged as per contract. Nonetheless the refund request has beenapproved for the full dispute amount of $541.75. Please be advise refund will post to the bank account wehave on file within 2-3 business days. Commerce Payment Systems values your business and trulyapologizes for this inconvenience. We truly hope this satisfies your issue, ifit does not please feel free to email me at [redacted],or you can call me directly at ###-###-#### Thank you [redacted]

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: When I signed on with Evolution Bankcard, I agreed to pay $15.00 per month for the minimum monthly charge plus transaction fees for each transaction I make. In February I was charged $35.00 for the minimum monthly charge plus inactivity fees of $39.95. In March, I was again charged $35.00 for the monthly minimum plus an inactivity free of $39.95 as well as $99.00 for Fraud Protection $6.95 for some sort of licensing fee. These additional charges were unauthorized.

In speaking with customer service, they informed me that the notification of additional charges is on the bottom of my statements. I do not believe it is ethical to swipe additional funds from my account without appropriate prior notification and customer approval. I did not receive an email, phone call or even notification in the mail of the additional charges. I only learned about them when reconciling my account. I asked why I didn't receive appropriate notification and was told that the company puts notifications on the statements only. So in spite of them having full contact information for me, they didn't contact me about impending additional charges.

I have verbally requested a refund and was denied. I have emailed a request for a refund but have not yet heard back. I asked to terminate my contract because I do not use the service often and was told I would be charge the full fees for April, which I am assuming will be $74.95 because I will be inactive.Desired Settlement: I wish to be refunded $59.95 for additional unauthorized charges for February and for $165.90 for additional unauthorized charges for March for a total of $225.85. I have no problem pay the agreed $15.00 monthly minimum as agreed to.

Business

Response:

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you. A full refund has been issued for the dispute amount of $225.85 I tried giving [redacted] a call at the phone number provided ###-###-#### and itwent to voicemail I left a detailed message. After reviewing the merchant account,the merchant was charged $39.95 for an inactivity fee and also $99.00 PCIcompliance fee. The rules and regulation advises that a notification of anychange must be via the merchant statement. A notification was placed within theMarch 2015 merchant statement located at the bottom of the first page. (PLEASESEE ATTACHMENT) Nonetheless we have issued a full refund for the disputeamount of $225.85, please expect funds to post to the bank account ending in[redacted]. Please expect the funds to post within 24-48 hours. Also you merchant account has been officially closed no further debits will bemade to your bank account. Again, we apologize for the inconvenience thishas caused you. Commerce Payment Systems values your business and trulyapologizes for this inconvenience. We truly hope this satisfies your issue, ifit does not please feel free to email me at [redacted],or you can call me directly at ###-###-#### and ask for me by name. Thank you [redacted]

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 Services contacted us using the name Evolution Bank and solicited our credit card processing. We were told that we needed two separate accounts for our two businesses. We agreed to their processing and started to set up an account. Before the account was even fully set up, they started charging our account. The same day that we finished setting up the account, we discovered that they had opened an account with American Express in our name, when we had expressly requested to not process their cards. They denied dong so, but when we contacted American Express and asked who set up the account, they named Commerce Payment Systems. So on the very same day, we requested that the account be closed. They refused to close the account without a signed document, but failed to give us a valid fax number.

We mailed the processing equipment back with a signed document, but in the mean time were charged for yet another monthly fee on both accounts and a noncompliance PCI fee($99). We had never been notified about the PCI fee, and shouldn't have been non-compliant since our account should have only been open for a few hours. We requested account closure by phone, we attempted by fax, we emailed, and we mailed the request. I think they delayed closure simply to get more money from us. We payed 3 months of fees for an account that was only fully active for a few hours and never processed any transactions!

We now have a different card processor and only one account for the two companies.Desired Settlement: I think the PCI non-compliance fee and at least one months charges should be returned. Our cancellation was a direct result of incompetence on the part of their company.

Business

Response:

Good Afternoon,

Merchant spoke to our CS department in March to cancel accounts, and accounts were canceled accordingly. The last charge we see was for the month of March, which the merchant would've seen the first couple of days of April. As a courtesy we're going to refund the $99 PCI compliance on both accounts. The refund total will be $198 and all other fees were charged as per agreement. We deeply apologize for any inconvenience this may have caused. The merchant should see this within 1-2 business days.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted].

I am willing to accept the offer and consider this resolved, though I find it incredible that the monthly fees started before the account was set up fully and continued after it was cancelled.

Sincerely,

Review: This company has had issues in following through with any of their promises since we started with the company. 1. The company failed to set up accounts according to how it was discussed in the sales call. which resulted in additional fees, after discussion they adjusted it but never completely corrected the issue and would not refund the additional fees already charged. 2. The percentage rates are NOT the actual rates charged. There are numerous additional percentages charged that never add up to what it's suppose to be. 3. After several failed attempts to correct issue we cancelled service and mailed back the 'free' swipers by the 10 day deadline. Faxed in Cancellation forms Feb [redacted], they signed for swipers on March [redacted]. We did not use the service at all in March, however April [redacted] we were billed fees for March plus a $99 per account (we were set up with 8 accounts even though we needed just one) for an annual fee for some upgrade of $99 after we were assured there were no other fees due. We were charged an annual fee in April for a service we only used in January and February and paid extra fees then originally discussed on the transactions we did have. We are a seasonal business and took a huge hit due to "hidden fees', bad follow-though, and unclear fees. We have requested management to call us numerous times and were told by one representatives that the management team to do not talk to customers. Very unhappy about the theft of money that they are claiming that it is in the contract however it is not. Horrible experience and I highly caution anyone not to be fooled by their sales person or website that announce advertising that is not true or backed up.Desired Settlement: I request billing adjustment

The following accts are the ones affected

and call from management.

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, please expect refund to post within 48-72 hours to the bank account

we have on file.

Please note your merchant account has been successfully

closed.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

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:

There was only one refund in the amount of $99 issued for one account. There are a total number of 8 accounts that were charged the $99. Our request is for the total amount of $792 to be refunded, so there remains a balance of $693 to still be refunded. We have also not received a direct call from the management team. Thank you and continuing to hope for a good resolution.

The following merchant accounts that we were charged after canceling services are as followed.

MerchantAcct#

I did call the number from the responding representative [redacted] and asked for him. I was told he was not there and could not give me a time to call back or say when he could return our call.

Thank you for your response and hope to have a solution soon.

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 refund should have posted today

If you did not receive the deposit please contact customer

services at ###-###-####.

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: In November I signed up (through Evolution Bancard) for Commerce Payment Systems to handle my credit card processing for my small business (actually two businesses but this is only a complaint from one because I never activated the second account). What a mistake. They sent me a swipe terminal to use with a cell phone and I stupidly activated the account thinking to give it a try. I decided against it that same day and I called Commerce to cancel. They said I could not cancel over the phone, I had to mail in a cancellation request form with my terminal to cancel. I mailed it out the same day in the same shape they mailed it to me (I never used it). I thought I was finished with them but then on December [redacted] I noticed that they had taken $15.00 out of my bank account on December [redacted] because I had not made the minimum $15.00 worth of transactions in November. I called that day to ask to have the charge taken off and spoke with [redacted]. She said I was charged because I signed up in November and didn't cancel until December. I sent my cancellation request on November ** and I am sure it got to them before December; perhaps they did not process it until December but they had it. I explained to [redacted] that I only activated my account in late November and called to cancel it the same day and I should not be charged for that. She said she put in a request for me to get my money back but it would not credit my account until the next billing cycle in early January. I waited until January and kept checking my account to see if I was credited the $15.00. On January [redacted] I called Commerce again to ask why I had not been credited. I spoke with [redacted] who said the refund didn't go through because my account was closed but that he would submit an appeal to have my account credited. He said I would get the refund in five business days. I waited until January [redacted] and when I still hadn't received the refund I called Commerce once again. I did not catch the name of the man with whom I spoke but he said the refund had been approved and I would get my money the next day. I checked the next day, Thursday the [redacted], as well as Friday and today and I have still not received my money back. I have finally gotten tired of dealing with Commerce and am filing my complaint with the Revdex.com instead of calling Commerce for a fourth time.Desired Settlement: I want my account credited for the $15.00 they owe me. It would be nice to be compensated for the three hours I have spent calling Commerce and apparently wasting my time talking to them to ask for my refund, though I realize that is highly unlikely. I also want others to know about my experience and to be warned about this company that will not correct billing errors.

Business

Response:

Review: They have continued to take out money out of my account even though I cancelled my service in May. They have taken out 99.99 out of my acct in June for something they said was billed for in March. The fees were from American Express. Why did they wait so long to take these fees out. Just makes me think they are making things up to collect money. The sales person also said I was not subject to any other those other fees, which they have take out of my account also. I have documentation of this fact.Desired Settlement: I want a refund of the services that they supposedly supplied to me after I canceled my contract in May *, 2013. There should have been no other charges taken out after my cancellation. I called and talked to a customer service representative and they told me that these charges were billed for in March according to my online statement. I said I haven't seen a statement. Oh we issued you a username and password when you got your machine. It came with it. I said I didn't get one. They did not give me my

Business

Response: