Commerce Payment Systems

Review: The company has applied a $99.00 report fee for a 1099-K, for the "To assist in this transfer of the secured data to the [redacted], a charge of $99 will be reflected within your November merchant statement." After contacting the [redacted] and being Commerce can not pass a fee like this along I called and made them aware of it and have not obtained any help.Desired Settlement: Refund the $99.00 to account

Business

Response:

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you. After carefully reviewing your merchant account, all ratesand fees have been charged as per contract. Nonetheless the refund request hasbeen approved for the full dispute amount of $99. Please be advise refund will post to the next merchant statement as a misccredit. 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: I contacted the business to set-up a Merchant "wireless" Account which the business would send out a wireless device for my business to take credit card transactions. The initial service standards & fees that I was told by the sales agent, [redacted], was not all true and/or correct. 1). I was told that when the device get shipped to me all I would need to do is turn on and go. Well, when the device was shipped (which we received on Friday, July **, 2013 @ 5pm via UPS) the device was not set-up to process credit cards transaction at all. The company (Commerce Payments) called this "Globalization". When we called the Commerce Payments Friday, 7/** to go over the machine to ensure it was set-up and ready to go to take transactions we were told that Commerce Payments inadvertently didn't set-up the "Globalization" before sending the device out and that the dept. that could set up the globalization closed at 5pm estrn time and would not be able to correct this until Monday morning July **, 2013. The after-hours technical service apologized and said we could key in the transactions and then call customer service on Monday morning July **, 2013 to have the globalization set-up and the funds processed. SIDE NOTE: We had a website launch event on Friday, July **, 2013 at 7pm to launch our product and now lost sales and business because the globalization was not set up so we had to take customer credit card numbers manually (who was willing to give them to us) and process them on Monday morning July **, 2013. So, device was shipped to us NOT properly set-up and Commerce Payments knew about the event well in enough time. 2). In addition to the Globalization not being set-up, they sent us the machine to take purchase knowing the underwriting was not completed. This was fine except Commerce Payments HELD OUR FUNDS which we had to manually process because the globalization was not set-up and because Commerce Payments DID NOT complete and or approve us fully with underwriting; and if underwriting does not approve an account they will hold funds until the process is completed. 3). While holding funds during the underwriting completion process, they charged my business account on Aug. *, 2013; $237.91 - which would be fine IF I knew what all of the charges were for AND if I was told in the beginning, by [redacted], BEFORE they sent the device that they could and would HOLD FUNDS until underwriting was completed. 4). Also, the $237.91 charge that was process on Aug. *, 2013 from Commerce Payment included FEEs AND CHARGES not disclosed by [redacted] or outlined/highlighted in my contract. One of the charges which I had to request to be refunded was a $99 PCI Regulatory Fee. The fee is not highlighted on the contract nor was discussed at time of offer. The Customer Service Rep , [redacted] and another by the name of [redacted], which I spoke to on Mon. Aug. *, 2013 both said this is not noted on my contract; however, is a annual fee that would be assessed. Both Customer Service Agents, [redacted] & [redacted], placed a request to have this refunded back to me which I was told would take up to 30 business days. So, I have to wait 30 business days to have a charge/fee which was not discussed/disclosed to me to be refunded? 5). Also, I was doubled charged for a Bank Service Fee. The Bank Service Fee on my contact is set for $2.50, which is a monthly fee; however, after speaking with [redacted] on Monday, 8/5, I found out Commerce Payment actually charged me $4.95 - requiring me to request for a $2.45 refund. And again, having to wait 30 business days for the manager to approve and release the refund. 6). Finally, when I was initially setting up the account the the Sales Agent, [redacted], I was told that the Monthly Minimum fee of $15 was IF we did not sale $15 of product in a month that at the end of the month Commerce Payments would assess/bill us $15 fee. However, after speaking to [redacted] and [redacted] on Monday, 8/*, I am now told this fee is IF we do not process $15 worth of transactions based up on a 1.39% Discount rate from Visa, MC or Discover. So, the example [redacted] and [redacted] gave me was if we did a $10 transaction Commerce Payments would as 1.39% rate on that transaction which is $1.39 - in order for us NOT to be billed the Monthly Minimum Fee of $15 we need to have $15 in monthly Discount Rate Fees, not Transactions. So, I requested for [redacted], Customer Service Agent who I spoke with on Monday, 8/5, to lower this fee to $10 as I was initially told by the Sales Agent this fee is solely based on transaction, not a discount rate. All of this while underwriting is completing their process before releasing our funds which we processed on Monday, 7/**. The underwriter I spoke with [redacted], said that this is a Standard practice and until underwriting is complete NO FUNDS, although processed, can or will be released. I asked why wasn't I told this from the beginning she had no answer. Underwriting was finally completed on Monday, 8/*, which [redacted] placed a request to have the funds released to my business bank account in 2 business days. This is after I had to get on the phone Monday morning, 8/*, to demand funds be released because Commerce Payments had just assessed my account $237.91 on 8/*. I had to call a customer who made a $100.00 purchase at the website launch event on on 7/** on her job to have her validate she in fact made the purchase. This was the last underwriting requirement WHICH WAS NOT MADE KNOWN TO ME until Fri., 8/* at 3:30pm. I still can't believe I had to call her on her job in order to have underwriting complete their process and to release my funds although they took their money already and OVERCHARGED me. I had to apologize to this customer because I had no known knowledge until Friday, 8/2 that they would need to speak with customer(s) as a form of validation - had I known this I could have smoothed it over with my customer early like on the day of the vent, 7/**, so they would expect this. IN CLOSING,1). I am filing a complaint because I was charged $99 for a PCI fee that I want returned asap. 2). A $2.45 charge I was returned asap. 3). I want the Monthly Minimum charged of $15 lowered to $10 - as I was not even told correct information about that. 4). I want an explanation and or apology as to all of this. And if not to me to my customer(s) which I had to phone on at her place of employment for [redacted]. The customer I had to call is a professional CPA who work at a high profile Accounting firm. Wow!Desired Settlement: 1). I am filing a complaint because I was charged $99 for a PCI fee that I want returned asap. 2). A $2.45 charge I was returned asap. 3). I want the Monthly Minimum charged of $15 lowered to $10 - as I was not even told correct information about that. 4). I want an explanation and or apology as to all of this. I had to phone my customer at her place of employment for Commerce Payments-[redacted], to complete the underwriting process. The customer I had to call is a professional CPA who work at a high profile Accounting firm. Wow! How embarrassing.

Business

Response:

Review: I was contacted through my business, [redacted], in July 2013 by a representative for Commerce Payment Systems, under the parent company, Evo Payment International. The sales person was high-pressure, quoted me a rate, then sent me four different contracts because the rate verbally quoted was different from what he sent on the form. During this process he also locked himself out of his building, which raised a red flag for me as it was all very unprofessional.

I received the package of the credit card machine/swiper, but never opened it or used it, except for when I inserted my cancellation form. The machine was never removed from the box, plugged in, or activated. However, I received the following charges:

8/**/13 $15 monthly fee

8/**/13 $69.15 machine insurance, which I was never told about

9/**/13 credit of $49.20 following a complaint about the machine insurance charge

10/**/13 $15 monthly fee

10/**/13 $128.95 annual visa fee that I was never informed about

11/**/13 $15 monthly fee

11/**/13 $29.95 ???

12/**/13 $15 monthly fee

12/**/13 $128.95 I was told this was for an IRS filing fee (for a service I never used)

My initial cancellation form was faxed to the company in October 2013, and the machine was sent to the company in November 2013. When I still received charges, I called customer service about this. Apparently, two accounts were opened. Since I was sent four different contracts (see info above regarding why), I asked the person I opened my account with to send me a copy of my contract. He sent me one (after a reminder a week later), which led me to believe I only had one account.

In all, my fees for services/products I never used add up to $352.80, not to mention the cost of sending back the machine, bank fees due to going under my funds available when fees were assessed that I was not aware of, and hours of time spent trying to remedy this situation.

Commerce Payment Systems has a company with high-pressure and unprofessional sales people, undisclosed fees, and did not send me any statements of charges electronically or paper.Desired Settlement: I would like to be reimbursed for the charges stated in my complaint. I would also like to be put on the company's Do Not Call list and have no ties to this company now or in the future.

Business

Response:

Review: I signed an online contract with [redacted], VP of Sales, Commerce Payment Systems, a/k/a Evolution Bankcard, [redacted], Phone ###-###-#### for credit card processing to achieve the agreed to rate of 1.69% plus 10 cents per transaction with no additional fees charged. We have two websites. That was the entire fee structure, and not additional fees were to be charged. After the very first month, we did $108,717.11 for M/C, V, Disc. and the fees were $4,933.73, which is 4.538% !! This is about three times your quoted rate of 1.69%. For our second website, we had sales on M/C, V, Disc. of $15,275.26 and the fees charged were $880.62, which comes out to 5.765% !!! which is also a far cry from 1.69%.

Then the problems began. I was hit with PCI fees that were not agreed to. In my futile attempts to reach customer service, I was cut off after 1-1/2 hrs on hold with a person coming back to the phone every 10 minutes and then finally getting the dial tone. I have been unable to reach Customer Service since, being held and then cut off several times. I have been cordial and not argumentative at all. My attempts to reach my sales person, [redacted] have gone unanswered. He won't return calls or emails. Neither will [redacted], the underwriter who was also more than happy to help me get set up but now ignores my pleas for assistance. Where my fees are about $3,000.00/month more than I agreed to, I have no choice but to act swiftly. I will gladly join any customers who are willing to enter a class action lawsuit against Commerce Payment Systems if they do not immediately resolve my issues and permanently get me back to the agreed fee schedule of 1.69% plus 10 cents per transaction.

I see this firm as a bait and switch company who misrepresents themselves grossly. Just search them on [redacted] and you will find tons of the same complaint. [redacted] seems to have bought their story, yet there are several complaints well after RR's endorsement of CPS.

My name is [redacted], King Sales Group, Inc., [redacted] Tel. ###-###-####Desired Settlement: Billing adjustment offering refund and future billing corrected.

Business

Response:

Hello [redacted],

Review: When you inquire for information, do not give them your information at all. There are hidden fees such as $133 and other fees that are 39.95. My account have been charge for services and products that I have never used. There are other companies that are truthful and honest other then this commerce payments, they will take your money and when you inquire about the charges you have to call literally 15 times until you can get to a supervisor. DO NOT give any information about yourself unless you are prepared for hidden upfront fees.Desired Settlement: Refund. The company responsibitly is to let people know about the hidden upfront fees. And to refund people there money back that have never used there product.

Business

Response:

Review: I was charged for services that I never used. I tried to have the ability to use a credit card service. I contacted a company that used this service. As I was going through the "Underwriting" I decided to cancel all services. I submitted a "Cancellation Form" as per the company's request. This took place just within 2-3 days after starting the processing. I looked at my bank statement and noticed, that my account had two ACH charges on it. I called the company and told them, that I wanted my account refunded. The customer service rep. ([redacted]) found my "Cancellation Form" and mentioned, that all was in order and I would receive a complete refund of $39.95 at the end of the month. He mentioned, that this was when the company made corrections and refunds. This discussion was 08/**/2013 at 4:27 PM, now it's 09/**/2013 and no refund. I called the company again. I was told, that "My request was denied, due to me agreeing to the first months payment". I did not agree to be charged anything, because I cancelled the process several days before the charges.Desired Settlement: I wish to have my account refunded in the $39.95.

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 fees have been charged as per contract nonetheless a full refund has been issued for the dispute amount of $39.95 please expect refund to post on accoutn ending in [redacted] with 48-72 hours.

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

Review: Please reference Merchant Account # [redacted] with Commerce Payment Systems, Phone ###-###-####.

On 5/**/13, I spoke to [redacted], Commerce Payment Systems, about setting up a merchant account for my vacation cabin business. She quoted me a rate of .25% + $.10 per transaction for debit cards, 1.39% + $.10 for swiped credit cards, and 1.69% + $.10 for keyed credit cards, with a $4.95 per month fee. There is no set up fee, no start up fee, etc. After being questioned several times, she assured me repeatedly there were no hidden fees. She said the company would provide a free credit card machine, but the company charges $49.00 per year for insurance on the credit card machine. I have my own machine, so I declined the machine. I was told that proceeds from transactions would be deposited into my account the following business day.

On 5/**/13, I completed the application and sent her all the requested documents. On 5/**/13, she emailed me the completed application, and she or somebody had forged my signature on the application.

On 5/**/13, I called the help desk, and the person assisted me in setting up the machine to start accepting cards. I began accepting credit cards the following day.

On 5/**/13, I called the help desk to ask why the credit card proceeds were not being deposited in my account. I was told at that time that I had not signed a document that was previously sent. No document had been sent to me to sign. The document was forwarded that was supposedly sent to me to sign on 5/**/13, but my email address was not in the “to” field of the email. It had been sent to [redacted] and several others at CPS. Once I opened the document I was asked to sign, I found wording that said:

I also understand and agree not to process Visa, MasterCard and/or Discover transaction(s) for prepaid billing of goods/services greater than 30 days in advance.

I immediately emailed the underwriter group and told them that I could not sign this document since a big part of my customers reserve months in advance of their arrival. Some customers even reserve a year in advance.

The underwriter group did not respond to my email.

On 6/*/13, I revised the letter to include acceptable language for a vacation cabin business. The language I inserted states:

I also understand and agree that it will be necessary to process Visa, MasterCard and/or Discover transaction(s) for prepayment of cabin rentals up to a year in advance of a customer’s arrival date since some customers reserve when they check out for the same period the following year. Additionally, I affirm that the following is my cancellation policy, and Commerce Payment Group understands and agrees to support this cancelation policy in the event of a chargeback.

On 6/*/13, I received the following email from the underwriter group:

Since we will not be able to move forward with your account within our underwriting department, we will forward your account to our higher risk department today. It should be boarded within 48 hours. Their number is ###-###-####.

As far as the funds that you have processed already go, they will be held in this reserve account for 6 months unless you wish to issue refunds to your customers and process these sales in another way. If you wish to issue these refunds, please be in touch with our technical support department at ###-###-####. Again, if no refunds are issued to your customers, the money will be held in the reserve account for 6 months from the last date that you processed a transaction.

On 6/*/13, I noticed that this fraudulent company has taken two deductions out of my bank account – one for $83.77 (on 6/*/13) and another one for $.19 (on 6/*/13). NO deposits have gone into my account.

This causes me a serious problem. In the short time I have been using this service, I have processed over $2,842.71 in credit card transactions. The company states that I cannot have the funds for 6 months. I have ceased processing credit cards with this company until this is resolved.

I have been on hold and have spent literally 10+ hours trying to get a merchant set up. I’ve been lied to by about every rep I have tried to talk to. I’ve waited on hold to try to get answers, but the line stays tied up until 5:00 and then closes down. This is extremely POOR customer service.

I was told by the most recent underwriter that my account was set up and money would be deposited into my account. No deposits have been received. What is the reason for this?????

Also, when [redacted] set my account up, I was given percentages, and I questioned her in detail about other costs, hidden costs, etc. I was assured the only costs were as follows:

Debit Card - .25% + 10¢ per transaction, regardless of whether a card was swiped or keyed

Credit Card – 1.39% + 10¢ per transaction, if a card was swiped

Credit Card – 1.69% + 10¢ per transaction, if a card was keyed

We discussed a credit card machine, and I told her I did not need a machine because I have one. A machine was sent, that I do not need. I was charged $49 for that.

Again, I questioned her repeatedly about hidden charges, etc. She assured me the ONLY charges were the 3 listed above.

I received a statement showing NUMEROUS charges in addition to the above charges.

Under the WORST case scenario, for the transactions on the summary, assuming they were all hand-keyed, the charge should not exceed this:

8 transactions - $.80

1479.05 at 1.69% = $25.00

Total = $25.80.

The charges on the statement are $40.89 + 31.49 + 31.20 + $56.65, which totals $160.23. This is 10.83% of the transactions that are taken as fees. I will fight this using whatever legal methods I have to use.

I need your assistance in recovering my funds, the $160.23 in transaction fees, plus I ask for remuneration in the amount of $5000 for problems caused by this company.

Phone ###-###-#### (personal cell, after 4:00 p.m. EDT)Desired Settlement: I need your assistance in recovering my funds, the $160.23 in transaction fees, plus I ask for remuneration in the amount of $5000 for problems caused by this company.

Business

Response:

Review: Commerce Payment Systems, also known as Evolution Bankcard, specifically their underwriting department, has failed to remove the 100% reserve off of my account after providing them with all the documentation they have requested. Approximately 3 weeks ago I received a letter from the underwriting department stating that that they require an additional bank verification form (after I had already sent them a certified bank letter regarding my account) and also require my home address utility bill. As I already have 2 merchant service processors for various other aspects of my business, this was kind of an oddball request. I assumed it was an error and they meant a utility bill for the business.

After 2 weeks of unsuccessful attempts to get in touch with anyone via email, and being sent to voice mail when I call in, to even just ask if it was an error, I finally got a hold of someone. They said they received my bank verification (after I sent it in 3 times), and I still need two documents. As I was aware of only one, they said it is a 100% swipe only merchant agreement, which is kind of weird considering that it has a keypad on the device to key in the card manually in the even the magstripe is damaged. Not a big deal to me, I have another processor that isn't weird about manual card entry and uses AVS. I find out that I do indeed need to send them a home utility bill, which again, is kind of weird, but since I have e-bill it's not all that big of a deal. So I fill out their agreement form, and then send them the documents.

I then get a call from the underwriting department saying that they can't use my utility bill because it shows a past due balance, which even if that was a concern of a merchant processor, it is totally inappropriate. After I explain that well yes, it's an ebill, and my home finances are of no concern of yours they state they want to contact the utility company to verify I have no outstanding balance. So now that they are completely inappropriate, I am trying very hard to maintain my cool, and tell them to call away, they have all the information they need to check the automated system. They all this time have been saying that I can just submit a copy of my lease, a copy of my lease.

I politely ignore the insistence on my lease and ask to be transferred to a supervisor. They transfer me to some person's voice mail, who is not identified as a supervisor in the greeting message. I leave a message, and hang up. After about an hour goes by I hear nothing. I try to get a hold of a manager again, and get sent to voice mail once more, but at least the guy who answered the phone said that there wasn't any available or they were all on the phone, the second call did go to a manager queue service so that did make me feel a little better.

After another hour, still no call back. So I message the original "Junior underwriter" rep again and explain how she can use the automated system at my utility company to verify anything she needed. The following is her response:

"We cannot verify that utility bill since that is no longer your home address , we will need a updated utility bill or a lease agreement with your landlords contact information ."

So I write this in response because their story keeps changing, and they keep asking me for a lease:

"Hi [redacted],

Okay, I must not be making myself clear. This IS the most recent utility bill and it has BOTH addresses on it. I can't just force a utility company to give me a bill when I don't owe them anything, or to print off a bill just for me in the middle of the billing cycle.

If you look at the bottom portion, it is being sent to my new [deleted] address.

This bill is for the Final Bill of the old address, [deleted], as denoted at the top right hand corner of the document, where it says "FINAL BILL".

You needed this for address verification. If the DMV, my bank, my current merchant processors, and probably any other entity I submit this to will accept this utility bill to update my address information, your underwriting should have no issues accepting it.

Even my life lock account accepted it.

Your other issue is that it shows a balance. Yes, of course it shows a balance. It's a bill. A final bill is also different from a normal bill as well, as far as what it shows, especially with e-billing. If a billing cycle just ends, and then you transfer your service, they provide you with a final bill, and a new due date once the transfer date has elapsed because it is a special billing cycle.

As far as a new bill goes, I won't have an "updated" one until I have accrued 30 days at the new address.

My previous email has given you instructions on how to verify that there is no outstanding balance, even though that is NOT a concern of a merchant processor, and is quite invasive, and I have reported it.

I don't quite understand what the issue is, but I have provided every document needed to have the reserve removed from my account so I can start using it normally, and get back to running my business.

I wonder if you would ask this for any other corporation? They would probably laugh at you and say "our lawyers will be in touch". This is the point I am about at.

So before I make this a public spectacle on the Revdex.com site, I encourage you to read the bill again, and if you don't understand something, I urge you to forward my account to someone who does understand how a utility bill works, in the case of change of address and final bills.

In order to change the address and/or your services, it must be verified with a lease, homeowners deed, affidavit of occupation, or letter from the property owner and also changed out of the name of the prior residents.

Obviously since I am providing the utility bill with my new address on there, as well as my prior service address, I have done that already.

Again, please advise me as to when the reserve will be removed as I have provided all the proper documentation that you have requested. It may not be normally what you are used to seeing, but it does have my updated address for verification which is SPECIFICALLY what you requested."

In response I get:

"Good afternoon,

Unfortunately we cannot accept the utility bill you provided to us because it does not list your new home address as the service address. To accept a utility bill we would need to see the new address listed where it says service address and the bill would need to be up to date, we can also accept a service letter written up by your utility company stating your new home address is the new service address and you payments are up to date. Since you will not have a utility bill for at least 30 days we can accept your lease agreement with your landlords contact information."

This raises a red flag because not only does it have my current address on it, it also has my previous address on it because it is a Final Bill as I just got done moving. As my email states above, I have used this current utility bill to change a great number of things that require verification, but for some reason this isn't good enough for an underwriting department?

What I believe is this: There is a secondary scam running out of the department, data mining to sell information to a 3rd party. The more personal info they get, the higher the amount per person they get. I know my rights as a consumer, and as a business owner. I do NOT have to give them any personal identifiable information to verify anything beyond my business accounts, and what bank account I want it into. I could see a utility bill from the business to verify it exists, but beyond that the major credit card companies do NOT require personal info about a business owner wanting to process credit cards via a merchant service.

I promise you if they attempted to do this to an owner of a much larger company, say like... I dunno... Sony, it would be laughable at best.

In addition to making this report, I am contacting my other numbers I have to get a hold of Visa and Mastercard directly and report suspected fraudulent activity from a merchant processor, using their names to obtain information and documentation that is not needed for verification of a merchant account.Desired Settlement: I want the 100% reserve removed from my account. I have submitted all requested documentation, and I would really like to make use of their service because of the wireless terminal. I also would like an apology from the "junior underwriter" trying to data mine information out of me, and for transferring me to someone's voice mail instead of a supervisor.

I also expect that if this cannot be done that the other option is I return the device and I receive a full refund of $118.38, as well as any batched sales still being held in reserve. This is the least that can be done after being lied to, told many different things, and attempting to have my personal information compromised.

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 for the dispute amount of $118.00 please allow 48-72 hours to have

your bank post the refund. Please see proof of the refund in form of attachment.

Also the funds that were processed were also released to your

bank account.

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. I would have liked at least an apology from the "junior underwriter" who insulted me by commenting on the status of my home utility bill, but I will accept a refund and a general apology because I would imagine they are trying to save face in light of the insult.

Sincerely,

Review: I chose Commerce Payment Systems to process my credit card receipts for several reasons, including their advertized promise to set up my account in 2 hours. Approximately 2 days after I set up my account, I began processing customer credit cards with them, but about 5 days later they began asking that I provide them with numerous additional pieces of information about myself and customers - allegedly for fraud prevention. They said this information was required by the credit bureaus, but I complained that it went way beyond what a credit bureau would require. Eventually, over my protests, they were given all of the information that they requested. Five days after my first processed payment I still had not received my money. When I inquired as to the reason, I was told that for fraud prevention reasons I had to provide them with my customers' home phone #s. I gave them his home # and informed them that he worked until 6:00 pm and that they would have to contact him after that time. They said their office closed before 6 and that they were not allowed to call him on his cell phone. I told them to figure out a solution, but to get me my money. Four days later learned that they still had not released my funds and called them again. I was told they were unable to reach my customer at home during their working hours and would not call him after 6 or on his cell phone. I asked to speak to the supervisor and the Representative hung up on me.Desired Settlement: I want the nearly $1000 of charges that they are holding deposited to my checking account and my account closed without charges.

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 release 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

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: It is simple and cheap for a business to issue an apology. I don't see any evidence that the company took any action against the manager (I assume that the employee who handled my case was simply following orders) responsible for the practices and policies that I encountered. I had previously been approved by a card processor, and have subsequently been approved by another processor, without any intrusion into my personal data and my customers' personal data as was required by Commerce. I also found the other two companies sales personnel to be helpful and willing to explain why particular information was required. Without management changes, I'm sure that future applicants will be forced to endure the same harassment that I encountered.

[Your Answer Here]

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

Sincerely,

Review: I signed up for services to process credit cards at a reduced rate with CPS on 01/**/2014. They proceeded to open 2 merchant accounts for me and was unable to explain why (#[redacted]). They also sent me a card terminal, which was returned UNOPENED. One of the systems they signed me up for was to process through Gateway, an online virtual terminal. The salesman sent me the activation information, which after watching/reading some of the processes, and found out that there was an additional fee, the services would not work for my business. I did NOT activate it. I emailed my salesman the same day, 2-**-2014 that I received the email to activate gateway. I requested that BOTH merchant accounts be cancelled. My sales rep apologized and stated that no fees have been acquired. One the bottom of the merchant application it states that "If Merchant submits a transaction hereunder, Merchant will be deemed to have accepted the Terms and Conditions of the Merchant Processing Agreement." I never processed any cards. On 3/**/2014 CPS deducted $104.00 from my account without permission, causing one of checks to bounce. On 4/*/2014 CPS deducted another $233.00 from my account, causing a huge chain reaction of returned checks to come back. My total business bank fees for the return of these payments were $175.00 Altogether this company has cost me $512.00 and I NEVER processed a single transaction with them. I called and spoke with the customer service people and was told that my email was not "sufficient" enough to close the accounts, but they would send me the "correct" form. I completed the cancellation form and faxed it 4/**/2014. I called back a week later to confirm the cancellation of my accounts and to inquire about the refund. I was told that it would take 10 days by the person that faxed the "correct" form to me. I called back again and was told that since my accounts were closed, I was consider "low priority" and to check back in another 10 days. When I requested to speak with someone in that department, I was told that they "do not take calls."Desired Settlement: I would like a FULL refund of the $337.00 of the funds that were wrongfully taken from my bank, as well as the $175.00 banks fee's that were assessed to my account because of these wrongful transactions. Total of $512.00

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

and fees have been charged as per contract.

Nonetheless as a courtesy, a refund has been issued on

Merchant id ending in [redacted] total of $198.00 and under Mid [redacted] total refund

of $139.00. These were the charges that were charged from commerce payment

systems. Due to the fact that the fees were charged as per contract, unfortunately

overdraft fees were not approved for reimbursement. Please expect the refund to

post within 48-72 hours back 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 [redacted] 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 started an account with Commerce to process my credit cards over the internet with my website. I was contacted by underwriting to provide additional information so my processing would be approved. I had 2 transactions process which funds were captured but never released to me because of the underwriting hold up. I was told today that my application was sold to a different company and my $70 would need to be reprocessed by my new company and it was up to me to get payment by my customers when I already sent out the items and now I have to contact them for another authorization. Customer service at Commerce told me today that my only other option is to wait 6 months to get my funds.Desired Settlement: I want my $69.60 credited to my account ASAP so I don't have to contact my NEW customers for a new payment when I had the authorization with Commerce to potentially lose them as future customers.

Business

Response:

In response to this complaint,

All funds have bene released to your bank account please expect funds to post within 48-72 hours

Review: I used Commerce Payment Services for approximately 16 months for credit card processing for my business which is a dental office. The representative [redacted] whom I had signed up with there services promoted no hidden fees and a flat rate of 3.4% per transaction. He also promoted the highest rating by the Revdex.com. My [redacted] did an audit of our account and found that they were submitting seperate fees and deducting directly from my business checking account on top of the standard 3.4% agreed upon that were automatically taken out directly from charges run through the terminal. I called multiple times and attempted to resolve this to no avail. With all the hidden charges I was overbilled approximately $9,000 under a deceptive merchant ID over the course of the 15 months. I requested a copy of the agreement multiple times and they were never able to produce one indicating the fees above and beyond the 3.4%. I find this to be gross misrepresentation and/or fraudulant in nature. I cannot know for certain how much I was overbilled as they only provide online statements going back 3 months. Any assistence in remedying the situation would be greatly appreciate as all contact with their company has been met with total disregard.Desired Settlement: I would like to be refunded the fees charged over and above the agreed upon 3.4%(which is still slightly above average for CC processing) and that other clients are made aware that this company grossly misrepresents its fees charged to clients

Business

Response:

Review: Commerce Payment Systems charged me 79.90 each month 10 months without my approval! When I looked into their services the [redacted] reported to me that they would not provide services to my company without my giving up highly personal information. Because I was unwilling to give up this information for privacy concerns I chose not to do business. They mailed me payment processing terminals anyway. I sent them back. They admit to receiving them. Their billing department now contends I was approved anyway and that I therefore have not given them sufficient notice of cancellation. In fact, I disapproved their service in not continuing with their requirement of providing secret personal information. Marketing understood they could not do business with me for not going through the process. of giving up personal information. Now I cannot get my money back. I want reimbursement of $746.40. I want my money back: all $746.40.Desired Settlement: A check for $746.40.

Business

Response:

Review: DO NOT DO BUSINESS WITH THIS COMPANY! They lied about the rates, the money never entered my account, the company then charged me $578

for no reason. Considering out of the teo card transactions that were made they were never released into my account.

This company is a total fraud, scammer and is by far the worst business to business experience I have ever come in contact with.

[redacted] from the Risk department was extremely rude as were all of the other employees that I spoke to.

I hope this review steers you away from this company as I would not want this to happen to anyone else.

I'm in the process of disputing this with my Bank, next I will go to the US Government.Desired Settlement: 578.46

Business

Response:

Review: commerce payments approved an authorize.net account for my business. The told me my account was approved and that my account was activate, however, I needed to submit co-signer information, and 4 business references, and my transactions would be held in reserve pending underwriting. I submitted all the requested information. Commerce payments called and received recommendations from all my clients, who emailed me to inform me they received a call and gave stellar reviews. I was then told that my account is now approved, but my first few transactions would pend further verification before 100% approval. Meaning, I could make transactions, and then the transaction information would be verified with the bank and the cardholder before the funds were deposited. So I needed to make a transaction to complete the underwriting process. To which I did. However, when Commerce payments called the bank and asked them to confirm the cardholder's private information, the bank refused to verify this information to a 3rd party, which I can understand. I would not want my bank to disclose my personal information either. So their own verification process failed them, not because of anything myself, the bank or my client did. It was their own system that failed them. They are refusing to deposit my funds, and are telling me my only option is to refund my client and recharge them. I am not in possession of my client's credit card information as I allowed them to enter their own information. This I do to protect the ciient. How can I charge my client again once I've refunded them? Besides, the products have been shipped to the client, and they are in possession of it, and they have paid me as agreed, the funds do not belong to the client, they belong to me. I would have to call my client to ask them for their credit card information and explain to them that their previous funds were not deposited. I now also have to risk the client not giving me any further payment information. Not to mention, this client is a client that was already contacted during the underwriting process as a reference. The entire process has been ridiculously inconvenient and dishonest. I HAVE to make a transaction to be approved, but due to their OWN flawed verification system, they are unable to release the funds into my account, and now I'm the one who has to risk losing my money over their flawed system, while it sits in their reserve account and earns interest.Desired Settlement: I would like my funds deposited into my account. The client and I have made a transaction, they have received my products. They have also been contacted by the service provider to verify that they are doing business with me. the Service provider has received the invoice as well as shipping confirmation that my product has been shipped and received. The funds are rightfully mine and should not be sent elsewhere, nor earning interest in anyone else's reserve account, based on the fact that the bank will not verify personal information, which they shouldn't anyway.

Business

Response:

Review: I phoned this Co. to acct. credit cards at my business and was told that there was no monthly service fee. I would be charged a % for ea. dollar amount I entered into a transaction. Since Jan. 2013 I have been billed ea. month a higher and higher amount. I have used this service a total of (3) times. I have called, no return call, and finally on 9/**/13 I called got a representative that said the man ([redacted]) I spoke with when I opened the account had not told me accurate information. The representative today said the deductions ea. month from my account was so high due to inactivity. I asked to talk with a [redacted]. a refund due to being given inaccurate information that

I was lied to just to get me to sign up. I was disconnected and no return call yet. I do not feel the fees are just due to being given inaccurate information upon registration. I will pay the % for each. (3) transactions I've done but not the $640.11 that they have deducted in total.

Please help with this dispute.3Desired Settlement: I expect a full refund except for 3% for each dollar amount of each transaction I did. Which was a total of (3) transactions. (1) for 6/*/13 $879.00, (1) $600.00, and (1)

$1,115.16. Total deduction should be $77.82 not $640.11.

Business

Response:

Review: I signed up with evolution payment systems on about may [redacted],2013 after being lied to by apex credit card payment systems.the person I talked to said I had been approved next day on phone his last name was lane.we reprogramed the credit card machine and it seemed everything was ok.I checked my acct about two weeks later and I saw no deposits had been made,so I called evolution. they told me after waiting on hold for 10 minutes I was being transferred to commerce payment systems.I asked why and they said I was being processed by their underwriters.no one said I would be with a underwriter.when I finally got thru they said they had sent me an email with instructions on info they needed from my bank.I had not received any email so she sent it to me.my bank filled out info paper,I signed it an faxed to commerce on Thursday.,the lady said it would be Tuesday before I would see my deposits,becaused it had to be reviewed.called today because no deposits had been made.same waiting process on phone.the lady said it was still in review but would not tell me what the review process was.asked to speak to her supervisor and she said they would tell me the same info. I was pretty much frustrated with the whole deal so I hung up.my money has not been deposited in almost 1 month.my wife and I run this small business and we do not have access or the resources to wait on their review .these cedit card payment co. do not disclose all the info once they get you hooked up.I went to these people because your review was very high on this co..I am suppose to get a confirmation call within 24 to 48 hrs and then it may or may not mean my deposits will follow.what is going on,all they will tell me is that it is in review.Desired Settlement: all I want are the transactions they have already gotten put in my acct. asap so I can take care of my obligations and what is the review process and why.

Business

Response:

In response to this complaint

Review: I answered an advertisement to to collect electronic payments for my newly formed business. I spoke with a [redacted] that took my application; an application in which I had to disclose vital information, i.e., birthdate, copy of driver's license, social security number, voided check of business account and utility bill. When asked why all of this information was necessary, I was given a very vague statement about their measures to ensure my security. I was assured within the hour that my application was approved and that my equipment would be shipped the next day. This is now one week later, during which 6 different people (that I do not know) have sent emails and phone messages, promising me equipment. I have received nothing and now feel that I have been the victim of some sort of identity theft scam. I have placed calls to [redacted], but have not received any return calls at this writing.Desired Settlement: I would like to cancel my application. I no longer want to do business with a company that does not provide the service it advertises. I would like Commerce Payments to destroy my personal information. I plan to give the names of the people that contacted me from Commerce to NY and Local PDs to try and discourage the use of my personal information. I understand that I gave Commerce this information (reluctantly), but at that time, I believed I was handling a financial issue for my company.

Business

Response:

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you. After carefully reviewing your merchant account, Accordingto the tracking number [redacted], the equipment has was delivered on11/**/2014. We have been calling you because we are looking to get a hold ofyou. We have left messages but no call backs from you. We can assure you all ofyour information is safe and secure. 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 have determined that my complaint has NOT been resolved because:

[redacted] Indeed I did respond to your last correspondence regarding Commerce Payments - the company I filed the complaint against. Since that time, the company has sent emails (1) confirming my cancellation status, and (2) a promise to cease the harassing phone calls and consider the account closed. I respond dead to Commerce advising them that I wanted to be reimburse for the two charges against my company’s bank account ([redacted]); charges that at that time totaled $39.95. I also advised them that until that amount was refunded to my account I would keep the complaint active. To date, I have not received a refund, instead an additional $40.15 has been accessed from my business accountt. What will it take to get these people to back off!! Contrary to your communication to me, I consider this complaint to be open and active. Attached the cancellation confirmation from Commerce. [redacted]

Business

Response:

Ok. No worries! If you sent the equipment back, please disregard this email! Thank you for understanding.

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.Thank you very much for your assistance. I feel as if this issue would not have been resolved if not for your assistance.

Sincerely,

Review: I have had nothing but problems with this company since appointing them for service in Nov 2013. I finally canceled my account with them in April 2014, verbally with a representative, and thought everything was taken care of. I was pleased to be moving on to a more reputable and honest agency. To my surprise, I was shocked to look at my businesses bank statements and find they had billed me $19.95 in the months of May and June. After a long process of getting passed around the office to the appropriate representative to handle my call, I was informed all cancellations had to be submitted via fax. Extremely dissapointed, I received a cancellation form via email, on June *, 2014. I immediately send the fax in and received verification that it was received. Reconciling my books today, I found I was again charged $19.95 on 7/*/14 and $54.90 on 8/*/14!!! I was willing to adsorb the previous charges prior to the fax, but this is just blatant dishonesty in business. Not surprisingly, most other reviews of this company have reflected the same illicit behavior. I tried calling again today and my call was not taken in the 30 minuted I was on HoldDesired Settlement: I would like an immediate deposit into my account in the amount of $74.85, and a confirmation letter stating the internal error.

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 $74.85.

Please be advise refund will post to the bank account we have on file within

2-3 business days.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

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: A client disputed their charge with our company in the amount of $196. A temporary credit was issued to our company based on our response. The client was not happy with our response and rebutted our claim within the deadline of 45 days (on the 43 day) this was around Christmas. The charge back processing center at commerce payment did not send us over the rebuttal until January *, 11 days after they got the response. Our company would like to request the case to be sent to arbitration, although that is not possible and arbitration will be denied due to the fact that they did not get us the documentation right away when they received it and they gave it to us after the 45 day period that would allow us to successfully make this request. The company has a duty to send us the documents the same day they get them or within reasonable time in order for us to complete the process within the allowed time frame.Desired Settlement: We are requesting that the $196 be placed back into our account due to the company not expediting the paperwork to us within the time frame to allow us to continue the process in an unbiased fashion.

Business

Response:

First and foremost, I would like to apologize on behalf of the company for having a customer dispute a charge against your company. As a company we also understand that when you have so many customers, it becomes a little bit of a challenge to keep every single person happy. I called you and left a detailed message on how to reach me, so I can further understand what happened in this case. We also offer reporting tools that help you stay and top of your chargebacks, which we can provide for free to you. All chargebacks are being sent as per your terms and agreements, but I want to see how we can further accommodate your request. Please call me at ###-###-#### at your earliest convenience.