Commerce Payment Systems

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: I was partially approved to open a merchant account in February 2014. However, due to my pending bankruptcy the account was not fully approved. My bankruptcy is going to take some time to finished. But I was charged, in Feb, March, April, and May. Each month I was charged $24.95 and also in April I was charged an additional $99.00 for exactly not sure what. I called customer service and asked to the charge and they said it was something to do with Visa. I cancelled on 4/*/14 but was still charged in May. I never used the account once. I feel that this company has taken advantage of me.Desired Settlement: I would like a refund for at minimal the May charge and the $99 visa charge, but feel that I have been cheated by this company. I would like a full refund of $223.95.

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.

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 totaling 223.75, 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Difficulty with this company from day onein February of 2013. Repeated overcharges.Finally, after much frustration, when I called to cancelon April *, 2014 due to further charges tobegin on May * which my very small companycannot afford, Commerce Payment withdrew$99.30 from my account the very next daywhich, upon inquiry, they say was for PCI compliance for the year! In fact, the PCI compliance fee for my account was paid on 06/**/2013 and was not due again till 06/2014 (forwhich I was budgeting). To have it withdrawn 2 monthsearlier than due without any notificationcaused hardship for my business,and that it was withdrawn the very next day after I called to cancel is suspicious (especially sinceit is not due for 2 months!) Now I am having to take much time and doa lot of extra unnecessary work to try to have thismoney returned.Desired Settlement: I want my account cancelled and absolutely nofurther funds withdrawn from my account by this company.I want the $99.30 "PCI Compliance Fee", which was not due for another 2 months refundedimmediately. Plus any and all other overcharges,I would like those back as well.

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 $99.30 please expect funds to post within 48-72 hours to the bank

account we have on file.

Commerce Payment Systems values your business and truly

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

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

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

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.

However, I most definitely would not recommend this company to any acquaintance or business affiliate simply to the amount of inconvenience and time I have had to be on the

phone dealing with overcharges with this company. Thank you very much for your attention to this matter.

Sincerely,

Review: I was in the process of setting up my merchant account with this company, however they required more business documents to prove I was actually a business. They then proceeded to charge my account $19.95 for Feb 2014 & March 2014 when I figured out what the charge was with my bank account. I then proceeded to contact the business to get a refund as I did not authorize charges of $19.95. I was given a quote of $4.95 month. As I did not use this Merchant for processing credit cards for my business they still continued to charge me.

Now, when I called to request a refund they told me to send back the portable processor that attaches to my IPhone. I did mail it back and had a tracking number. So I then called the company to follow up and they began to tell me they did not receive it. So I provided a tracking number and date and time they did receive it.

Couple days later I called back again and their story changed yet again. With them now telling me that I will not be refunded. So I questioned them about the fact my account was not set up totally as I had not yet provided them with the documents that they needed to further process my merchant account.

I feel this company lied and did not follow thru on their end. I did what they told me to do but yet I am out $40 for something I did not even use nor was set up completely to use!Desired Settlement: Would like my money refunded as I did not authorize these charges nor did I use there processor system.

Thank you

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

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 $39.90 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: My first problem would be a hidden fee that wasn't mentioned during the sign up process for $99.

I had to call and complain just to be told it's an annual fee for all merchants. Like I said, it wasn't ever mentioned to me.

My current issue would be a service fee change I had no idea would be implemented.

"Effective August *, 2013 Visa and Mastercard have made changes to some of their interchange classes. Due to this, you may see slightly increased fees and or new fees

effective August *. In addidtion, all merchants with an active merchant account will be assessed a $34.95 Membership Fee."

..this is on the bottom of a statement for the month of july.

I cancelled my account at the end of august because it wasn't cost effective to keep the account open and delays in getting my money in the past.

It's a big problem for me as no one ever mentioned I would have to login to an account to access my statements. Even in the past when I called about billing issues, it was never made clear to me that I could even get statements.Desired Settlement: I think it should be stated from the opening of the account that you are able to view statements, especially if they contain important information about upcoming fees or account charge changes.

I would like a refund on the $34.95 membership fee as I am no longer a member. If I would have known there was going to be a price increase I would have cancelled sooner considering past hidden fees and lousy customer service.

You should definitely make it clear that there is an additional $99 annual charge. I went with this company because they said there would be no hidden fees. $99 is a big hidden fee.

If I knew about it I would have went straight with [redacted] considering that is the amount they charge initially upfront for the pci protection. Plus they have better customer service.

Business

Response:

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: 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: 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: 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: 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: 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: 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 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: 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: 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: 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: 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 opened merchant payment service processing accounts with Commerce Payment Systems on 4/*/13 after much research and fee comparison done by Commerce Payment Systems. When I looked at the daily deposits in my checking account, I noticed that substantially larger deductions for credit card fees were being taken out than what was quoted. Then, at the first month-end statement for April 2013 (received in the first week of May), I noticed even more undisclosed charges. I immediately reached out to customer service looking for explanations and a refund. When speaking with the representative, he stated that our rates would be lowered but would not share the exact details and said I had to wait until May's statement came to see what that amounted to. This was unacceptable for me as I cannot run a business not knowing what my expenses are. On May *, 2013 I stopped using this service as I could get no immediate resolution. On May **, 2013, I cancelled the service via fax and called to confirm the accounts were cancelled. On June *, 2013, when viewing my online banking, I noticed that Commerce Payment Systems withdrew two additional amounts relating to the accounts I had closed: (1) $103.95 and (2) $145.93. Again, I stopped using the service on May *, 2013 so these fees were significantly greater than what I would have even seen using the service for the entire month. On June * 2013, I reached out to three separate contacts at the company to inquire about what these fees were. I still have not received a response. I then contacted their after hours service who shared with me that Commerce Payment Systems was charging me annual fees for a service that was already cancelled and only used for less than month and these fees were not in the contract. On June *, I contacted the company again at least requesting confirmation in writing of the cancellation of the accounts so they could no longer withdraw from my banking account. I used their general customer service line so I could be guaranteed a response. The representative stated I would receive confirmation within 24 hours and that was five days ago. I still do not have confirmation.Desired Settlement: I would like to be refunded for unauthorized debit charges relating to the following two accounts in the amounts stated below. In addition, I expect that since I have cancelled the service, no further charges will be withdrawn from our checking account. MID # 1, refund of $103.95 ($4.95 statement charge, $99 PSI annual compliance fee) MID # 2, refund of $138.95 ($39.95 misc annual fee, $99.00 PSI annual compliance fee) The difference between the $138.95 and $145.93 (stated in the problem section) are the only valid fees that should have been withdrawn relating to May * - May *.

Business

Response:

In response to this complaint

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

Please be advise, All fees have been charged as per contract. Please be advise the $99 PCI fee notifications were placed on your merchant statement for 3 consecutive months.

Nonetheless refunds have been issued for the $99.00 on both accounts. Please expect refund to post within 24-48 business hours.

If you do wish to close your merchant account, please contact customer service at [redacted].

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:

Commerce Payment Systems still has not provided documentation proving our accounts are closed and no more charges will be billed to our account. Your attached document on the last response is simply our last monthly statement. You can now see how difficult it is to deal with this company.

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

Sincerely,

Business

Response:

In response to this complaint

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

Please be advise both of your accounts are closed…. This was done back on June ** 2013.

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: When I signed the contract with this company the sales woman informed me on the phone the rate is 1.99% + 20 cents per transaction. I was never made aware that there are qualified and non qualified cards, and there is no way of knowing which category any customer card falls under. I confirmed with her several times that there are no hidden fees at all and that was the only charge involved. Recently, I found the actual rate they have been charging me was up around +4% of my transactions. I was never sent statements and figured I was getting the rate I was told and that is advertised on their website (evolution bankcard). I had also been paying for [redacted] paper statements at $7.95 / month which could have been paperless and free. Not happy.

Desired Settlement: Refund Credit for processing non-qualified cards.Desired Settlement: Refund Credit for processing non-qualified cards.

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 speaking with [redacted] over the phone, although all of therates and fees were charged as per contract, it seems as if there was a miss communicationin reference to the rates and fees he was schedule to pay. I did provide a copyof his contract for his review and pointed out what his scheduled fees are.Nonetheless we have placed [redacted] on a VIP plan for his inconvenience andapproved the dispute refund amount of $800.00. The refund will post to the bank account we have on filewithin 2-3 business days. Commerce Payment Systems values your business and trulyapologizes for this inconvenience. We truly hope this satisfies your issue, ifit does not please feel free to email me at [redacted],or you can call me directly at ###-###-#### 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 am A small business in [redacted]. I have been a processing credit card for my business through Commerce payment systems and I have not received the money in to my account. I have been trying to call them and their phone number get routed to a company by the name [redacted]. They are telling me that they are after hour phone answering company and that I have to wait to here from commerce payment systems. It has been few weeks and I haven't heard form anyone. Please please help the total sum is around $4000.00Desired Settlement: I want my money ASAP