Commerce Payment Systems

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: 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 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: This company has charged my bank account twice although I never completed an account and even sent in a cancellation form that they requested. These charges were not authorized as I notified them to cancel the request to start an account.Desired Settlement: Stop charging my account and properly dispose of all my information

Business

Response:

In response to this complaint

This complaint has been received as a form of cancellation.

Both of your merchant accounts have been officially closed.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Review: 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.

Review: purchase service on 5/**/2014 a** canceled service on 6/*/2014. After fees charged were more than stated by company representative. Plus charging for a whole month of May 2014 service, when unit did not arrive until Friday the [redacted] late afternoon on last business day of the month. On 6/*/2014 Printer ship via UPS, return on time in the month of June a** Commerce acknowledge that fact. Commerce debited our bank account for the June fees. They then proceeded to debit our account for July service of $4*.*0 when in fact no service was provided a** account was to be closed as of middle of June 2014. Unable to get Commerce to ref* the unauthorized fees, they state we will see debit on statement approximate the [redacted] of the month never arrives.Desired Settlement: Ref* the amount of $49.90 to our bank account. Would also be nice to see the fees for May service of $14.95 returned all so, as no service or transactions provided in that month. Total ref* $64.85

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

a** fees have been charged as per contract. Nonetheless the ref* request has

been approved for the full dispute amount of $64.85.

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

2-3 business days.

Commerce Payment Systems values your business a** 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 ###-###-#### a** 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. Deposit to bank account that did not have to wait for [redacted] through [redacted] day of the next month.

Sincerely,

Review: When I signed up with [redacted] Bankcard to process credit card payments using my cell phone, I was told repeatedly that there were no fees other than a low percentage of my sales. I had no sales. The card reader did not work. I was charged $15.00 per month for 2 months. I was charged $114.00 for December. I was told this was to report my earnings to the [redacted]. I had no earnings through this company. I complained to the company and was offered a refund of half of the $99.00 fee for [redacted] reporting. This is not acceptable. I had nothing to report. I feel the company misrepresented itself when I was sold a contract. I repeatedly asked about any additional fees above the percentage of my sales. I was told over and over again that there were no additional fees.Desired Settlement: I want a complete refund of the $99.00 [redacted] reporting fee since I had nothing to be reported. I would prefer an additional refund of the $45.00 monthly fees since their credit card reader did not work and I was not informed of these fees when I signed up.

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 $144.00 Please be advise refund will post to the bank account we have on file within2-3 business days. Commerce Payment Systems values your business and trulyapologizes for this inconvenience. We truly hope this satisfies your issue, ifit does not please feel free to email me at [redacted],or you can call me directly at ###-###-#### 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 did not receive the equipment I was promised, I was given a used out dated terminal, a VeriFone Nurit 8000, was suppose to get a new VeriFone Nutrit 8020. When I received my 1st statement there were chgs. that were more than stated on contract & a notice of on bottom of statement of fee increases & a $34.95 membership fee effective 8/*/13. I immediately sent a cancellation request on8/*/13 & that same day I received the terminal I was suppose to have gotten in the 1st place, so I returned it & the used terminal on 8/**/13 & requested the $99.00 annual chg. for the terminal be refunded, since I never used the new terminal. I have made numerous calls inquiring about the refund but customer service is the only one I can get thru to & they say management has to make that decision, & management has not return my calls.Desired Settlement: I am requesting the $99.00 fee for the terminal be refunded to me by "check" since I closed my bank account.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to apologize for the inconvenience this has caused you.

Refund has been issued for $99 please, we were unable to send you a check, and although your merchant account is closed we are still able to send the funds to your bank account.

Please expect funds to post within 24-48 hours.

Your merchant account is closed, not further deductions will occur

Commerce Payment Systems values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if it does not please feel free to email me at [redacted], or you can call me directly at [redacted] and ask for me by name.

Thank you

Consumer

Response:

[redacted]:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I tried to reach Mr. [redacted] by phone this morning & of course he was not available, so I left him a voice mail that I was sending him an e-mail w/ instructions for sending my refund. I stated to him once again I have CLOSED my checking acct. so the refund cannot not sent thru that bank account. I instructed him if he cannot issue a check as requested he can refund it to my business Paypal acct. ([redacted]) Thank You for your help in this matter.

Business

Response:

In Response to this complaint,

Check will be mailed out today, mailed out to

THANK YOU

Review: The initial problem was an error on the device these people sent me and once their technical service rep "corrected" the issue (funds were directed to the wrong company account) - the device was reset by this technician. The next time I called to complain that my deposits were not available the technician reset my machine stating the money was going to the wrong service account. The next time I called he stated the money was on a "100% hold" and transferred me to "Underwriting" which then transferred me to sales which sent me to "underwriting" and so on. As of 11.**.14 I am waiting for call back scheduled for [redacted] 11.**. Credit Card company is not releasing my funds to my bank for invoices collected using their service. I have been unable to resolve the "100%" hold the "underwriters" have placed on my credit card account because of lack of confirmation. I am not certain what these people need from me. They have debited my banking account 83.95 additional "fees" yet refuse to deposit the money "swiped" on their credit card machine. I am helpless to retrieve what is rightfully mine. This company appears to be a fraud/scam. I will be contacting my attorney's in the attempt to recover. This has been going on since 10.**.14 with no satisfaction. They put you on hold, drop calls, and misdirect with promises of forms.Desired Settlement: I want the 226.00 that is rightfully mine to be released to my bank immediately and the 83.95 "processing" charges reversed/refunded. I want a paid shipping label for the equipment sent to me via email so that I may return it. I am horrified that these people are in business. I truly regret doing business with these people.

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, as per memos placed within themerchant account. Seems as if there some issues within Underwriting validatingyour merchant account, nonetheless in effort satisfied this issue we went aheada release the funds to your bank account together with a refund of $68.95. Please expect funds to post 24-48 hours. 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:

I am so sorry for the delay following up with you regarding this complaint. The credit card company has forced me to close my native bank account in the attempt to keep them from continuing to debit my account. On November [redacted] they attempted to debit two charges - 161.15 and 35.85. I called the my bank and they refused/returned the debits. I called this company to clarify and the customer rep stated it was an accidental debit and the intention was to credit the account the money they owed. This is unacceptable. The rep also stated that “underwriting” would be refunding my customers the money that had been “swiped” - it is up to me to contact those customers and make other arrangements for payment for services. To come back to my customers nearly 6 weeks later and ask for payment is inconvenient to say the very least. I am still investing man hours to complete these tasks. The lost just keeps climbing. Do I believe for one moment that the money will be refunded? No. I will be contacting my customers to see if the money has indeed been returned. If so, no further action will be taken. If not - I will be contacting you again with further information. I feel that people need to know that this company is dangerous. I am embarrassed to have fallen so completely for their marketing. Like a “[redacted] Partner” scam… mercy. The issue is not resolved. I have lost 226.00 - initial swipes for services - 68.00 and 15.00 for unexplained fees that will not be refunded as my bank cannot charge back if the charge is more than 24 hours old. $309.00 cash lost, plus man hours to resolve. It may not be much to some - it is a lot for a small business like mine that is running so close to the bone. I will state they DID send me a shipping label for their equipment - I have to give them that. But that is for their benefit - not mine. The only place I asked for the shipping label was in my complaint with you. I have shipped the device back to them. My bank has completely blocked this company from my account and I am currently working to clear the encumbrances so that the account can be complete delete/closed. Thank you for your help with this issue. As an [redacted] Revdex.com member - is has bee rewarding to see the results your mediation has manifested. The process works. Perhaps not always as we expected. Be at Peace [redacted] ###-###-####

Review: back in July I was thinking of switching merchant services to [redacted] bankcard, we were setting up the information to change services but never finished the possess unbeknownst to me [redacted] bankcard was charging me for their services when the possess was never finished or completed, I have not used their services one time but still have gotten a charge for them and every month since then. They went behind my back and where taking money out of my account until I just found out

Completely dishonest Company

I have a company and just because you have someones personal information on file doesn't mean you can start using it or taking money out as you wish what that is consider is stilling.Desired Settlement: I would like every month since July the $15 returned to me and the $114 in December returned

Business

Response:

First and foremost, I would like to apologize again for any inconvenience that this may have caused. As per our conversation today, we will be stepping up to the plate, and making this better for you. The reason why this account was never closed, was because of what we discussed over the phone. We have a signed application from you, but we never received a call, or a cancellation form, authorizing us to close this account. The amount of the refund is going to be for $204.00, and you will see this within 1-3business days. Please remember to close this complaint also, once the complaint is satisfied. If you have any further questions regarding this issue, please feel free to call me. My name is [redacted], and I can be reached at ###-###-####.

Review: I did business with this company for the first at the beginning of 2015. My business is a seasonal one, so I was instructed by them (their Customer Service Reps) to send them a request to have my account placed on hold and no fees should be taken from my business account. I complied with that. They then began taken fees out of my business account less than 60 days later. I contacted them and spoke to a rep in July and in August. As they continued to take fees out of my account in August and now September again. I have contacted them over 6 times, spoken to 5 different representatives, most who have promised to have a supervisor contact me, one never has, and I was told by the first rep that he was requesting my full refund, to only be told by the second rep that they didn't show anything on file. I am tired of dealing with this. I have a day job and don't have time to be dealing with this. [redacted] Bankcards has rude staff answering their calls, and nothing has been done in regards to my account for over 3 months now.Desired Settlement: I want my money back that they have taken (total of $100.80) and I want confirmation that my account with them is closed. Never again will I do business with them.

Consumer

Response:

At this time, I have not been contacted by Commerce Payment Systems regarding complaint ID [redacted]. I tried to resolve this issue with them personally, but they have been uncooperative and unprofessional. I've gotten the run around and it is extremely frustrating as well as disappointing. I closed my account with them, according to them it is closed, but I do not trust them. I have not been reimbursed any of my money and it is not fair that they keep my money after taking it without my permission. Please do something about this company as they are probably taking advantage of many other people. There is no place on their website for me to leave a comment, I wonder why? Sincerely,[redacted]

Review: Called to cancel service in February haven't used their service since last year was told it was canceled money still being withdrawn from bank account monthly. Called back in March had me fax in cancel form faxed by March [redacted] monthly charges were 25.00 In April got a charge of 125 dollars don't know why since it was canceled I called back they said I'm responsible for charges even though it was canceled. They then hung up on me called back again and again they hung up on me.Desired Settlement: I want my money back from at least march and April 125 dollar ____ charge and the 25 dollar charge march even though they owe more

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 $150.00. Please expect refund to

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

Commerce Payment Systems values your business and truly

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

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

directly at ###-###-#### 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 January, I was persuaded by the company's reps to keep my account open and that I would only incur charges of a little over $2.00 for the account to remain active. I explained top the company that I was not a business, but rather that I was just an unemployed author that wanted to have the ability to accept debit cards for any book signings that I might perform. I told them that I would most likely not even use the service at all except for maybe one or two times a year at a book signing. They told me that they would only charge me a little over $2.00 every month if I didn't cancel the service and that I would have to go through all the underwriting again if I chose to cancel and reinstate the account. SO I chose to just leave the account as is and just not use it and incur the $2.00 fee every month. I explained to them that the account would not be active for the most part but maybe a couple times a year for a book signing and that's even if I even did one. I was convinced by their sales reps to keep the account open which I wanted to cancel in January. I was told that the charges to my account would not be in excess of a little bit over $2.00 a month. I think they told me it was like $2.17 or something like that. I explained that I was not working but I would keep the account open only under the terms that this was the only charge to the account. They agreed and told me that I would be not charged anything else. Last month in March, I received an unauthorized charge to my account for a $99.00 fee. They said they notified me on my monthly statement. I was not told about any online monthly statements, nor had I logged into the account because it had not been used since last November. I received absolutely no notifications from the company, was not told that there was a charge for this $99.00 fee, and I did not authorize these charges to be deducted from my bank account. I called the company and they said they would reverse the charges. They also said they would have management call me back. No one from the company ever called me back and I called several times throughout the month of April to speak to a manager. They said they would try to refund the charges during April and when I called back again after it was not refunded, they then said it would be reversed at the next billing cycle in May. I asked for a manager to contact me as they never have a manager available to speak with. Again, no one ever called me back. I called back and asked them to send met he cancellation form for the account and I officially cancelled the account on April [redacted]. I waited until the next billing cycle in May for the charges to be reversed. They not only took money out of my bank account again after I cancelled the account, but they also did not reverse the charges for the $99.00 fee that they said they would. When I called today, they said that upper management denied reversing the charges because it was a valid fee. I did not authorize this fee to be taken out of my bank account and they did not notify me that there were any additional charges that would or could even be taken from my bank account. I received no notifications from any of the sales reps, nor customer service, nor the account rep that signed my account up. There is not reason to pay this fee if I am not using the account. The company said it was so that the account stays secure with VISA and such, but if I have cancelled the account, then I have no reason to have to pay a fee because there is nothing for VISA to secure. These company is a barrel of excuses and misrepresentations. They prey on people and charge them unnecessary fees, thereby trying to get money from people unscrupulously. I also explained to them that they took this money out of my account at a very bad timing in my life and that I really needed it back. I explained that I was not working at the moment and that my father was in the active stage of dying from [redacted] and that I really needed my funds reversed so that I could help my family pay for his funeral expenses. The fee this company is charging me is NOT a valid fee since I no longer hold an account with them and there is no need for them to keep my account secure through VISA. I wont be using the service. The draft to my account was unauthorized and I did not approve it. I also did not receive any notifications from the company. I did not get any notifications via regular mail, email, or that there was a notification on an online statement. They said that I was notified that there was an online statement in my Welcome email. There was no notification on my Welcome email that there was an online statement. I also told them that I would not be using the service but maybe only just a couple times a year and that is if I even did use it a couple times a year. I explained that I was not a business. I did not get any notification that there was any online statements and I did not authorize this fee to be removed from my bank account.Desired Settlement: I feel that they should reverse the charges on my account, especially since they "said" the charge was only to keep my account secure with VISA.

Since I cancelled the account and have not used the account at all since November of last year and no longer hold the account open with them, they do not have anything that they need to secure with VISA on my account. There should be no question that the funds should be returned.

They said I need to return the swiper and I have all intentions to do so, however, because I am not working at the moment, I cannot do so in order to pay the postal fee to return it until they refund my money that they took out unauthorized. That is all the money I had left. I have no credit cards. I live on cash only. I cannot return it until they refund my money that they took out of my bank account unauthorized.

The desired outcome would be that they refund the $99.00 unauthorized fee and that I can then return the swiper to them and be done with this company's fraudulent and manipulative antics.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

All rates and fees have been charged as per contract and

memos placed within the merchant statement.

Nonetheless to place this issue aside refund has been

processed for the dispute amount, 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 although the fees were not disclosed as they said they were and there is no record of them on my statements, contract nor my fee schedule, I do find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I signed a contract with them for services around Feb ** and cancelled it 8 days later without using their service. I cancelled via email and wasn't acknowledged for several days after I cancelled. I never used this service. I sent the terminal back unopened and it was received by the company verified by fed ex. They charged my bank account 14.95 for March 2014. I asked to have it removed but it wasn't. They charged my account 113$ on April *, 2014.

I never used this service. I cannot get through to customer support.Desired Settlement: refund the $127.95 that they took without providing any service.

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 and memos placed within your

merchant statement.

Nonetheless a full refund has been issued for the dispute amount

of $127.95 please expects funds to post within 48-72 hours to the bank account

we have on file.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have closed the bank account due to these unauthorized charges. [redacted] will need to send a check for the refunded amount to my address at [redacted]

when I receive the check and it clears, I will notify that the complaint has been resolved.

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

According to our records the check was cashed on 05/**/2014,

I have attached the proof.

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 filled out an application to set up credit card processing with ([redacted]) of Commerce Payment Systems sometime around January, 2013, not exactly sure since we were in the process of moving and I can't find the original paperwork from them. After I filled out the initial application they emailed me saying that I was approved and they asked me to fax them a copy of my Driver's license and a cancelled check for verification of my business, which I did. After that I called them several times to see what to do next with no response, so I them called and started asking to talk to a supervisor, after many failed attempts to communicate with them, finally they sent me another form to sign and fax back to them, I quickly called and emailed explaining that my name was incorrect on the document and could they please fix it and resend it to me. At that point I started worrying that if I was already having this many communication problems with them, maybe I should rethink doing business with them, and then I started reading all the complaints against them. So at that point I called and emailed them that I had changed my mind and I was going to continue card processing with Wells Fargo Bank. I also told them to not send out the corrected form for me to sign. I got no response from that email and the person on the phone ([redacted]) told me "no problem", everything is cancelled. A couple days later I received a merchant terminal from them, I quickly called them and explained that I had chosen to not do business with them and asked why I was sent the terminal, there explanation was that it came from a different department, so that made sense to me, and they did send a call tag right away to have it picked up. So I thought I was finished with them at that point, which is about the same time that my computer died and we were busy moving, so I didn't get a chance to go online to look at my Wells Fargo Bank Statements for several months. When I finally got my new computer and got checking I was horrified to find charges every month, all for different amounts from them. The 1st charge was on 2-*-13 and they continued 1 per month thru 6-*-13. I called them 6 times and told my whole story to 6 different people who all forwarded me to a supposed supervisor, which was always an answering machine, no one has ever called me back, still to this day and dozens more phone calls I haven't gotten anywhere with them, PLEASE HELP, this is a fraudulent Co. On 6-**-13 I put in a stop payment thru my bank and a fraud dispute. The total thus far stolen from my account by them is $278.75 PLEASE HELPDesired Settlement: I want my money back

Business

Response:

Review: I signed a contract with this company that had no annual fee. in 08/2013 I was charged a $30 annual fee. I called to complain on 9/*/13 , and was told that the refund could only take place n the October Statement, It is now November and it is still not corrected. This is the 3rd time I have had to have charges changed with this company. I also emailed [redacted] about this and got no reply.

I am a doctor trying to run a medical office. Each time I call this company for false charges I lose 30 minutes with my patients. I cannot afford this , being ripped off and then being lied to when told charges will be corrected.Desired Settlement: 1.I want the $30 refunded

2. I want an explanation as to why I am now being billed much higher than market charges (2.5%) I believe this company increases charges when there customers have been with them for a while.

3.I want an additional $50 credited for wasting my time on the phone for what is fraudulent and not an error. If not I will take this case further than the Revdex.com to have this company investigated by the NY Division of Consumer Protection

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

The fee that has been charged is a $34.95 annual membership

fee, Please advise that a memo was

placed on your merchant statement for 3 consecutive months advising that the

$34.95 annual membership fee will be charged within the August statement.

As a value customer, commerce will be refunding the $34.95

annual membership fee, please be advise a Misc credit of $34.95 will be posted

on your November merchant statement.

In reference to the $50.00 charge that you are asking for

your time, unfortunately this has been declined by mangt…

All rates and fees have been charged as per contract, Please

note your account was submitted for a

rate review in effort to lower your processing cost.

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:

Review: I contracted for credit card processing services with a [redacted] of [redacted] based on the statements in their advertising and on the information provided by their sales representative. The [redacted] is Commerce Payments. The terms were a $4.95 per month service fee and a 1.39% processing fee per transaction. I never received any confirmation of signing and no contract was ever delivered to me, therefore I was unaware that all their marketing material and the assurances given by their sales representative was pure fiction. I began processing charges and within a week they took $67.35 out of my account and have never deposited anything. I (too late) read the Revdex.com report on them and realized they were a fraudulent company (over 250 Revdex.com complaints against them). I faxed them a letter cancelling my account as instructed, I was told there would be no fees for cancelling. I blocked their ability to siphon money out of my account. In a few days they tried to take more money but were stopped by my bank. I then received a call from Patsy at [redacted] informing me that if I did not remove the block I would never get the $595.00 I have processed through them. In a subsequent call I spoke to another representative at [redacted] who confirmed that they do in fact own Commerce Payments and are responsible for all actions taken by Commerce. To this date I have not received any of the money they owe me even though they promise twenty-four hour turnaround.Desired Settlement: The terms I agreed to were for a $4.95 monthly service fee and a 1.39% processing fee. I processed $595.00 through them. There fore I calculate that they owe me $581.78. I want that money deposited to my account. They can still deposit directly to my account, just not steal money as I read they have done to many other people.

Consumer

Response:

The only written documentation I have is the mailer I received from Commerce Payments. I have attached a portion of it. I have never received anything from them, not a contract, not a payments record, nothing. When they took money out of my account ($67.35) instead of putting it in I blocked any further withdrawals. I then received a voice mail from Patsy at [redacted] complaining about the block because they wanted to take more money out of my account. (I have attached a transcript of this voice message). I returned the call and spoke to a representative of [redacted] who confirmed that Commerce Payments is a subsidiary of [redacted] and that they handled all their financial transactions. I now know that [redacted] is responsible for all the actions taken by Commerce Payments and must be the one holding the money I processed through them. They are clearly the ones taking the money out of my account. I agreed to have this company handle my credit card processing based upon the terms clearly specified in the mailer I have attached. These terms were confirmed in a call to the sales representative (Carolyn G[redacted] who confirmed there are no start-up costs and no cancellation fees. The terms were a monthly service fee of $4.95 and a transaction fee of 1.39%. I sent them a fax on 8[redacted]/15 cancelling my account as they instructed me to do, I was told again at that time there would be no cancellation fee. I have processed $595.00 through them and received none of it. I was told in my call to [redacted] that if I did not remove the block I would never see any of that money. This is clearly inappropriate as these moneys were paid to me for my service. I want the money they processed minus the agreed upon fees. In my calculation they owe me $581.78.

Consumer

Response:

At this time, I have not been contacted by Commerce Payment Systems regarding complaint ID [redacted]. Nor have I been contacted by the parent company which is [redacted]. I have not been paid any of the $595.00 of credit card charges I processed through them. The large print of the contract you are presented with online sounds good. The fine print in the contract which is impossible to read without a magnifying glass states that the sales people are independent contractors and neither Commerce nor [redacted] are responsible for any statements or claims made by their salesperson. The involvement of [redacted] is only revealed in that fine print. In other words, don't believe anything they say. That is good advice because nothing they tell you actually occurs.Sincerely,[redacted]

Review: In May 2013 I received a postcard flier from Commerce advertising their credit card swipe machines with second day delivery after application and void check was received by them. My sales person was [redacted] who I told that I was having a fundraiser to kick off my new non-prophet organization on May [redacted] and that I would only use it for that event at the present time, being that my non-prophet would not be using it on a regular bases. I was told that I would have it in two days after they got my information so I faxed the information and made sure that someone was at the property to receive the package up til that Sat. of the event but the machine never came. I called [redacted] to inquire about the order but never got a return call from him. The following month my account was debited for 99.00 for the machine and I called [redacted] again and couldn't reach him and he didn't return my call. The next month my account was debited again but for 118.00 and I called and complained to the customer service dept. and I was told that I needed to fill out a cancellation form which he e-mailed me and I sent it back the next day. I was told that management would make a determination by July [redacted] or [redacted] on whether they would refund my money or not. So on Friday August *, I called customer service to find out the status of my refund and was told that it was on the list to go out that day and I should receive it by Tues of the next week. I called that Monday to make sure that my refund was processes only to find out that the refund status was still pending and again I asked to speak to [redacted] and again to no prevail, I was also transferred to the management dept. and left a message for them and they didn't return my call either. So on Tuesday morning I called again and the status was still pending and management still didn't take my call. My final call was this morning and the customer service rep. put me on hold to find out why the case was still pending and finally he came back to the phone and told me that my refund was denied and charges were binding till July because that was when the cancellation form was submitted.

They totally ignored the fact that I was billed for a product that I didn't receive or sign for, as well as an activation fee for a machine that I did not have to activate or use. If there was a contact it was void when I didn't get what I ordered therefore I should be entitled to a refund.!Desired Settlement: I WANT MY MONEY BACK NOW

Business

Response:

Review: In October I was contacted by someone from this company, I was not really interested in their service. I was very happy using square for my credit card processing. Square takes a percentage of each transaction and there is no fee of any kind, there was no fee for start up there has not been a fee since I started with them. I told this person that I was happy with square. This guy kept talking, he assured me that their service was identical to the square service, there would never be any fee of any kind for any reason only the percentage for a transaction just like square, but the percentage was lower than squares. Not being were able to get rid of this guy, I finally decided what the heck, I could take their information and I could decide in the future if I wanted to use them or not. The next thing I know they have me filling out an application. This was my big mistake, after filling out this application I started getting requests for other information, they even wanted me to keep track of names and numbers, personal information, of people I took credit cards from. I don’t have to do that with square, at that time I told them I would not be interested in their service I never sent them anymore information. If they needed more information to approve an account for me, why would an account be open if they didn’t have all the information they requested . Since when did application become a contract? We never used their service, I had no reason to believe I would ever be charged anything , no fees at all just like square, If you don’t use it doesn’t cost you a dime. They did send me out a small device just like the square thing you put in your phone to take credit cards. I also have one of these from PayPal, if I decide to start putting money in my PayPal account when I take a card I can do that and there is no fee involved, there was no cost for the device for the phone. They did send this little device for the phone which if free from every other company. Who knew I would be charged a $114.00 for that thing. I did receive an e-mail on November ** from [redacted] asking if I was still interested in their service. I did not respond because I wasn’t interested. I never returned her e-mail to say I was interested, I never sent them the information they wanted to approve me for their service. I had no reason to believe that an account would be opened for me.

The next thing I know I December *, 2013 they took $114.00 from my checking account. That’s when I learned I had an account with this company. I did everything I was told to cancel this account, exactly as they instructed me to. They received there device back, and they cannot deny that. I was told I would receive a refund as soon as they received it. Instead they took another $15.00 out of my account, that charge I caught in time for the Bank to do something about it. Now I have to check my account every day to make sure they aren’t taking money out. I have made numerous phone calls, every time the same thing. Set on hold for ever, then get the run around from a customer service guy. And every time it’s a different story as to why there has not been a refund made.

These people have wasted to much of my time, and as far as I am concerned they stole the money from my account, especially since they told me there would be no cost to me what so ever. Beside that I didn’t want their service, and never used it. No one should have to go through what these people do to you. They should not be allowed to steal from people.Desired Settlement: I want a refund, and a letter stating I do not have an account with them, that my personal information will be destroyed and deleted from anywhere in their system, and they will never take funds from my account again.

And in a perfect world I would like to see them loose their business license.

Business

Response:

Review: I received a phone call from a salesperson from Commerce Payment Systems (my application states Evolution Bankcard.....so, i'm not sure what their real name is). The salesperson asked me if I was currently accepting credit cards and I stated that I was and was happy with the company that I was using(payments are deposited in 48 hours). She stated that she would like to send me a terminal to try their services for one month to see how I could save money with them by using their services(payments would also be deposited within 48 hours). I told her that I already had a contract with my other processing company and she stated that it would be a 30 day no obligation with them. So I accepted. This was on 4/**/2014 and I sent all of the documentation to them while on the phone with them. I received a welcome letter from them on 5/**, which is when I used the machine the first time. It took 2 weeks to get the deposit into my account with excuses after excuses on why the money was not in my account. They stated that the banking information was incorrect (even though I sent them my voided check.....and never have an issue with it). I told them that I wanted to cancel services with them around a week after funds had still not been deposited to my account and they stated that they would notate my account but they would send me a cancellation form and the address where the machine would need to be sent. I called them numerous times regarding that because I did not receive the form. I noticed on my bank statement that I was charged $88.95 and I immediately called them about it as well as me never receiving the cancellation form. They stated that they would resend it and once they received the terminal back they would refund the money back to my account. I faxed it over to them on 6/** (which is within the 30 days from 5/** when I received my acceptance letter) and sent the machine back to them. I called them on 7/* to follow up on the refund to my account......and noticed that they charged an addition $19.95 to my account on 7/*, the customer service rep said "i'm sorry ma'am but we received it after the 30 days". I explained everything to him and demanded to speak with a [redacted] He transferred me to another line with a generic voicemail to leave a message. I would like to have this issue resolved from start to finish, this has been a disaster working with this company.Desired Settlement: I would like to have the total amount of $88.95 and $19.95 refunded back into my bank account. I would also like for their policies to be more clear to customers in the future and not use false advertising.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

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

as per contract.

Nonetheless a refund has been issued for dispute amount of $108.90

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