Commerce Payment Systems

Review: My business partner and I signed up with Evolution Bankcard for our new small business. We were told by a sales rep that there would be no charges for the first few months, therefore, we could try out their services and see if we liked it. We decided to sign up with them since there were no upfront fees and no monthly fees until January of 2015. After one week we were charged $100.13. Because of this unauthorized charge we were then charged $70.00 from our bank in over draft fees. We called twice a week for 1 month. Every time we asked for a manager we were told he was busy. Then we kept getting the run around for a refund. Finally after a month we got a refund for $99.67. When we called the 8th time and asked why was the refund different than the initial charged we were told we got charged another fee. In addition they could give us no answer as to our overdraft refund and no answer as to when we could speak to a manager. Then to top it off we relooked at our bank statement and saw Evolution charged us another $19.95 for a service fee that was again unauthorized. This has been the worst customer service experience and are shocked at the lack of accountability this company has to resolve our issues.Desired Settlement: We want a return of $90.41. This includes the overdraft fees that were charged to us due to their unauthorized charge, the difference of the initial return and the monthly service fee that was unauthorized.

Business

Response:

This merchant belongs Commerce Payment Systems aka Evolution Bankcard, in Hewlett New York. Can this be removed from EVO and forwarded to Commerce?Thank you for your consideration.

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 and memos placed within yourmerchant statement. Nonetheless, as a courtesy a refund has been issued for $90.41 Please be advise refund will post to the bank account we have on file within2-3 business days. Your merchant account has been officially closed. 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: 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 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: My company signed on for merchant services with Commerce Payment Systems on 04/**/2013. In July of 2013 I contacted the "Customer Service" department for cancellation of both accounts. The required forms were emailed to me on 7/**/13, and the completed forms were returned on 7/**/13. The following month I was charged again for each account ($15.00 + 24.95). I did not catch the August charges on my business checking account until the following month when I was charged yet again ($49.95 + 59.90). I contacted "Customer Service" again on 9/*/13 to dispute the charges. I was assured that my cancellation forms had been received and it would not happen again. I was also assured that a reimbursement request had been submitted for the erroneous charges. Today is 10/*/13, and I have had the same conversation with a "Customer Service" representative. I was charged again on 10/*/13 ($79.95) for one of the accounts that was still not closed correctly. I have been assured that it was done correctly this time and that a "reimbursement request has been submitted to management" because the last one was denied with no explanation. After 3 months of waiting, I do not feel that this issue is being resolved properly.Desired Settlement: Actual closure of account so I do not have to do business with Commerce Payment Group again, and immediate refund of $189.80 for September and October charges.

Business

Response:

Review: I own several different companies and use different credit card merchant service companies. Well I decided to try a different company and looked on [redacted] and found Commerce payment systems. I called them and a couple other companies well they offered the best rates so I decided to go with them. Well I sent in all required paper work and my account was approved. They called me and told me I was ready to do credit card transactions. Before I did any transactions they started to draft money from my account. Well I received the machine and started to do transactions right away. A week went by and I only received a very small portion of my transactions. I then called them they transferred me to their underwriting group which started to ask me for all kinds of information. I told them well didn't you approve my account and told me that I could go ahead and start making transactions. They told me their is know way to receive the funds unless I gave them the info they wanted. Well I decided to give them what they wanted. They were asking me for invoices of transactions, phone bill, electricity bill, business certificates. I sent them everything they wanted. Then they wanted me to verify 2 customers information. And wanted me to get the correct phone number that was issued to the customers card. I called my customers and asked them they gave me their correct info. I then gave it to commerce payment system they told me this does not match their records. So I then told them that they should call the customers and verify it. They said they can not. And will not give me my funds until I give them the right info. Well my customers thought we were crazy because of how many times we called them about this. So this company put me in a position were they will not give my money. This been going on for about 2 months of them playing games and holding my money. I read reviews about them on [redacted] and found 100s of reviews from people with the same problems as me. I hired an attorney to solve this and contacted many government agencies also many tv news stations. This company runs several different credit card processing services under different names. So be very careful. This company is a fraud and should be investigated and shut down.Desired Settlement: I need all my funds. And will never stop fighting until I receive them.

Business

Response:

In response to this complaint.

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

I called your business lien several times and I left several

messages and never heard back from you. I even sent an email to you.

According to our records your account failed the validation

process. Please be advise that all merchants whom process credit cards must

satisfied all pending issues with the Underwriting process to confirm the

identity of the merchant.

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: My merchant number is [redacted] with Commerce Payment System

I have serious issue with services provided by Commerce Payment Systems, especially by their sales rep [redacted] provided.

I own a smoothie bar and normally do between $15,000 and 18,000 in CC sales. I was with [redacted] (**)and was paying on an average around $850 per month for CC processing. I was looking for a cheaper solution and happened to run into Commerce Payment website. I spoke to [redacted] and sent him my statement from **. He assured me that I will pay no more than $550 per month for my volume. I was told that I was signing up for 1.39% plus $.10 per transaction

I signed up for Commerce Payments end of June. When I looked at my July statement, I got a surprise of life. I originally thought I paid $846 in fees until I spoke a CS rep today (9/*/14) and he told me that I ended up paying $1902 for $18780 in Net CC sales. This is over 10% in fees. This is straight robbery. I was wondering where my money was for all this time.

I have called [redacted] several times and have also sent him emails in the past but he is nowhere to be found. I also spoke to CS and they told me that they excess charges couldn't be refunded. They did put me on a different processing system which is not as expensive but still more expensive that I was promised.

[redacted]Desired Settlement: I would like CPS to partly refund from the $1900 they have charged in credit card processing and put me on a plan which I was promised.

Business

Response:

In response to this complaint

First on behalf of Evolution Bank Card 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 the

legal contract the was signed and agreed to.

According to your complaint you have stated that your rate

is 1.39%. This is only your qualified rate, as per your contract, you do have

rates that are called Mid qualified and Non qualified. You also have dues and assessment

rates. Your contract does not list a flat rate.

Moving forward we have placed you under a new platform. The

new platform has lowered your rates and fees tremendously.

Due to the fact that the rates and fees have been charged as

per contract, and the rates and fees

have already been processed via the issuing banks. A full refund has been

declined.

As a courtesy, a partial refund will be issued for $250.00.

Please expect this refund to post within your September

merchant statement as Misc credit.

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:

[ I was already paying less than $800 for CC processing for around $18,000 in credit card processing. I would have to be insane to switch my service provider to pay over $1,900 in processing fees for the same volume of transactions with your company.

I did initially send [redacted] my statement from [redacted] and he verbally told me that based on the statement I provided him, I will be paying no more than $600 in processing fees with your company before I signed the contract. Before signing the contract in mid-June of 2014, [redacted] and I went over my statement with ** and [redacted] again told me that I will NOT be paying over $600 in credit card processing. [redacted] in customer service informed me when I spoke to him on 9/*/14 that all calls are recorded and that CS can get call records to verify the conversation.

I also informed [redacted] that my average transactions are $7.33 but there are over 2,000 transactions per month. He told me that he is putting me on flat rate program. Despite that fact, I was charged for having excessive transactions in July 2014. [redacted] also confirmed with me that there are no mid-qual or non-qual rates and it is a flat rate program. I have all the email communications from September of 2013 to September of 2014 from [redacted] guarantying me the best and cheapest rate in the industry. The acctached CPS brochure make that claim as well.

Also, CPS didn't put me on IC+ program voluntarily, they did it because I complained about the high cost when I called on 7/*/14 to inquire. At that time, I didn't realize that I had paid $1,900 for $18000 in credit card processing (10% !!!). I only found this out when I called around 9/*/14 to discuss the August statement - because it was also too high from what [redacted] had told me.

Also the marketing material posted on your website does not mention anything to do with mid-qual or non-qual rates. It is advertised as flat rate program. Even after signing the contract, I send [redacted] an email to ensure the rates were flat rates and he sent me the attached brochure. I have forwarded that particular email to [redacted] in customer service as well as part of the investigation and that I was promised flat rate program.

The illegal business techniques are quite evident in the emails I have received form your company. The emails claim the CPS is Revdex.com accredited, have AAA ratings with Revdex.com merchant service provider of choice for Revdex.com. Although on October **, 2012, the Revdex.com requested that CPS cease and desist all unauthorized use of the Revdex.com name, however, I have received communications claiming to be Revdex.com accredited etc in September of 2013 and as late as September * of this year (2014). You can also view performance of your company on the following websites as well. No one recommends to work with your company:

In the end, it is quite evident that CPS is involved in predatory business practices to get customers. They have also been using Revdex.com name as bait to get customers despite Revdex.com issuing cease and desist order to CPS.

I do not agree to $250 in refund, I would like at least $1,000 in refund for July excessive billing. All refunds would have to be only in form of cash deposit in my business account.

]

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

Sincerely,

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:

CPS were refunded $250.00 in September 2014. I have checked my bank statements for both September and October. Can they provide exact date the refund/deposit was made. Otherwise, they will have to refund that amount as well.I would also like to CPS to inform me the day they process the refund for $1650 and cancel my subscription as well. Thanks.

Business

Response:

Good Afternoon, You will see this refund in the amount of $1650, hit your bank account within 1-3 business days from today. I will follow up with you tomorrow, and it should be there by then. Please let this also serve as your cancellation confirmation. I tried reaching out to you today, to give you a heads up about this, but it seems like you weren't available. Again, we deeply apologize for any inconvenience that this may have caused. If you have any further questions about this, please do not hesitate to call me. I can be reached at ###-###-####.

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

Review: On September *, 2013 I spoke with [redacted] inquiring about a new merchant account for my business. She had me fill out and submit an application. As we have more than one website, as discussions continued prices and fees changed, we were told we needed separate merchant accounts for each website. We sent in 4 applications for each website. We then received phone calls from underwriting asking for more information, informing us that our applications were not approved without further information. During this time I began looking into the company and trying to get more details about the monthly fees, suspicions rose regarding the validity of the company. One September **, I received two emails activating two merchant accounts; # [redacted] & [redacted] from [redacted]. I emailed [redacted] and [redacted] regarding the phone calls form underwriting and informing her that we do not wish to continue forward. I requested acknowledgement that all four applications would be cancelled and directly stipulated that no transactions will be assessed on our account. I received an email from [redacted] on the [redacted] acknowledging the cancellation, requesting a phone call. We called and she acknowledged the cancellation. No form was ever sent to us for cancellation. On October *, 2013 two charges of $20 were withdrawn from our account, initially we thought these were charges from our active merchant account and didn't notice this was from Commerce Payment Systems. On December *, 2013 two more charges of $119 were withdrawn. At this time, we called to find out the charges were stemming from Commerce Payment Systems. We called the company and was informed we never completed a cancellation form which was emailed to us. We made it clear on the phone that our accounts were never activated and they had no authorization to withdraw funds from our account. We completed the form and faxed it in within the hour. We have attempted to call back to follow up and have been passed on to leave a message for the "proper department" only never to receive a call back. We have gone through our bank to dispute the charges, but they have told us since it's a business to business transaction we need to handle it directly with them. They have continued to charge our account every month with two charges for $20 each time. We were trapped into this company, offered certain promotions and pricing and once they had our bank account information the charges and terms of the account were changed. This is why we cancelled in the first place. We have it in writing our intentions, specifically they had no authorization to charge our account. The charges need to STOP and we need to be refunded for all charges placed. Our only alternative at this point is to close our bank account and open a new one. As a business we have our legitimate merchant accounts and many honest and reliable vendors linked with this account that we've established over 10 years. The thought of closing it would be so disruptive to our business.Desired Settlement: All charges are to stop immediately. We are asking for $398 in charges already placed on our account to be refunded.

Business

Response:

Review: We stopped doing business with this company because of fees that were charged and promised to be reversed, but were NOT. Therefore, we took the hit and closed that account January **, 2014. On April *, 2014 Commerce Payment Systems charged (debited) our checking account for NO justifiable reason and has not refunded/reversed the $99.00 stolen from our account.

A [redacted] or [redacted] has never had the courage or respect to talk to me!

I have demanded the $30 in fees from 12-*-2014 thru 1-**-2014 be refunded with Commerce Payment Systems saying no, and I have demanded the $99.00 charge of 4-*-2014 to be refunded with Commerce Payment Systems giving me stall tack ticks.

We had an agreement with [redacted] and [redacted] in customer service (1-7-2014) that all fees would be reversed. They broke that agreement!

I have had it!

Merchant ID# [redacted] with Commerce Payment Systems.Desired Settlement: Refund of $129 encompassing all fees charged to our checking account. The breakdown of which is: $30 from 12-*-2014 thru 1-**-2014 and the mysterious charge of $99 from 4-*-2014.

.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

and fees have been charged as per contract.

There is no record of a cancellation notice received, the

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

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

Nonetheless a refund has been issued a courtesy of $129.00,

please expect refund to post within 48-72 hours.

Please be advised that your merchant account has been

closed.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Consumer

Response:

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

[Refunds have been promised before and not received, I will believe it when I see it.

the "Cancellation Request" was filled out and sent to the company January **, 2014. The credit card scanner was returned with tracking on January **, 2014 and was delivered to the company on January **, 2014.

This matter will not be closed unto the refunds are received and the company NEVER removes funds from our bank account again, as they did on April *, 2014.]

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

Refund has been issued and posted to your bank account;

please see proof of refund in form of attachment.

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.

If this company touches our bank account again I will be forced to take additional actions against them.

Sincerely,

Review: I entered ab agreement terminable at will with this group to process credit card transactions at the rates set forth in the written agreement on 3/**/14. When I was advised I was approved I processed a total of four credit card transactions for $4875.00. The first issue was the delay depositing these funds to my account. When that was finally accomplished and the amount was incorrect I determined that I had been charged 7.94% as opposed to the contract rate of 1.99%. Phone calls and emails were not responded to so on 4/*/14 I sent a certified letter, [redacted], cancelling the agreement. This was signed for by [redacted] on 4/**/14.

Despite the fact I terminated the agreement and have not processed any other transactions this company continues to debit my account. The total debited from the date of cancellation, despite no use, $512.35.Desired Settlement: Refund of the amounts improperly debited subsequent to termination, $512.35 and cessation of any further debits to my account.

Business

Response:

Dear [redacted], It was a pleasure speaking to you today! Again, I want to deeply apologize on behalf of our company, for any inconvenience that this may have caused!It seems like this was definitely a big misunderstanding, and I'm glad that we were able get to the bottom of this. As we discussed over the phone, you had two accounts with us. The letter that we received only instructed us to close one account.Nonetheless, we're stepping up to the plate, and we're going to handle this like a company should. We will be refunding the amount of $512.35 that is being requested, and you should see this refund hit your bank account within 2-4 business days. If you have any further questions or concerns regarding this issue, please feel fee to call [redacted] at ###-###-####. You have our contact info now, so please do not hesitate to call me. Thank you so much for your time today!

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 submitted an application with the company on 2/*/14 to use them as my merchant service. I received an e-mail back from them saint that I was approve to use there services on February **, 2014 but that I still needed to submit more paper work including my professional license. I submitted the paper work to follow with their requirement. After few more days Possible the week after around February ** I received a reeder for the credit card from them. Now involving a Third company call Getway. Getway needed to do a check on my credit again. Gatway call me personally and ask more questions about my credit and that they were to call back with the information if I was approve. After few more days, got the info that I was Approve by Getway to use the system. We try to conect the reader for the credit cart with difficulty. After multiple calls and different information in the phone, we were inform that the mac computer system we have at the clinic was not compatible with their reeder. I send the reeder back and cancel the account with Commerce Payment Group on 3/*/14. I requested to received a reimbursement for the monthly fee charged to my account for the month of February that was a month use more to get approved to use their services. Company declined the refund. Now this month April Commerce Paymet Group withdrew from my account 99.00 dollar for usage of credit card service ( never used). Company dose not want to reimburse me for this money that they took out of account with out authorization. The Plan was cancel on 3/*/14 with out using their services. I returned the terminal in good working condition and the agreement was a free termination programDesired Settlement: I will like company to refund the monthly charges of 9.95 for the month that the account was open (this month was spend on fillling paper work and waiting for approval of their company)

Want refund for the 99.00 that was charge to my account on 4/*/14. Company can explain exactly why I am been charge this

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

and fees have been charged as per contract.

There is no record of a cancellation notice received, the

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

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

Nonetheless a refund has been issued a courtesy of $108.95,

please expect refund to post within 48-72 hours.

Please be advised that your merchant account has been

closed.

Commerce Payment Systems values your business and truly

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

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

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

Thank you

Review: They said to me when I hire them as my credit card processing services that the fees where really clear only a % and a transaction fee. after 2 weeks I got the fist charge of 270 dollars and after that every 2 weeks a new fee will pop up. I end up paying in fees around $400 dollars. I should it said they stole me $400 dollars for I dont know what reason.Desired Settlement: I would like a refund of all the money they charged me for exchange of nothing.

Business

Response:

On behalf of our company, I want to deeply apologize for any inconvenience that this may have caused. I'm not sure if this happened due to a miscommunication, or something to that nature. Regardless of the fact, we're stepping up to the plate and we're issuing a partial refund. According to the contract that you signed, there's going to be a refund in the amount of $207.00 processed back to the account. If you have any other questions or concerns, please feel free to call us at ###-###-####.

Review: I closed my account with this company on 10/*/14 due to the endless list of complaints I found online and their complete lack of customer service. On 11/*/14 I was charged a fee of $4.95 and then on 12/*/14 I was charged a fee of $118.95. I never processed a single credit card through this company. These debits they have taken out of my account are unfounded and not authorized.Desired Settlement: They will refund the $123.90 that they illegally withdrew from my account.

Business

Response:

In response to this complaint. First on behalf Commerce Payment Systems I would like toapologize for the inconvenience this has caused you. After carefully reviewing your merchant account, all ratesand fees have been charged as per contract. Nonetheless the refund request hasbeen approved for the full dispute amount of $123.90. 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]

Review: I inquired with this company to use them to process credit card transactions for our business. I completed the initial application. Then they requested additional information. We felt that information shouldnt be requested for this process. I sent an email to cancel their services and I did not send the requested inforamtion to them. Then on May [redacted] they deducted $24.95 out of our account. On June *, $123.95, after several emails [redacted] called me back and said that there is a $99 activation fee. I had no idea about this fee. [redacted] was unable to transfer me to an agent directly and there were 25 people on hold before me. I have attemtpted to contact this company several times to get a refund for services we did not receive nor want. I contacted my bank and put a stop payment on all future withdrawals from them. Unfortuatly, due to the type of withdrawal, the bank will not refund us the money.

I am very frsutrated and tired of chasing my money.Desired Settlement: I would like to be refunded my $148.90.

Business

Response:

Review: Company has refused to cancel our contract as of June **, 2013. we have returned all equipment and they have NOT been authorized to remove any funds from our business account.

This company has continued to withdrawal $49.95 per month, since June 2013. plus the $118.80 for charges that we were never made aware of.

we have had 2 faulty equipment systems which were under there warranty but, they would not issue proper pick-up call tags for there equipment. so, both systems were returned at OUR expense of $14. 30 USPS and no credits were ever applied. customer service has not resolved this problem and now state they did not receive our equipment and continue to withdrawal money illegally out of our bank acct.Desired Settlement: we would like the total cost of withdrawals of:

$49.95/3 months = $149.85

$118.80 unknown fees + shipping of equipment $14.30

Totaling $282.95

Business

Response:

Review: We tried to open a credit card processing account. We were asked for additional information, but we decided we did not want to provided the information, so we closed the account. We were still charged 3 months of monthly fees on an account that was never opened for a total of $85.85.Desired Settlement: I want the fees refunded.

Business

Response:

Review: Red Carpet Shipping signed a contract on March **,2014 we did not use their service yet they took $24.95 for the month out of our checking account. I requested a refund , which they agreed to give but never did. I called on April ** and told them to cancel our account and they said they would suspend it. On May ** they took $94.00 from our account. I called them this morning and told them to cancel the contract and tried to get them to refund the money.Desired Settlement: I want the contract cancelled and the money refunded.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

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 $118.95, 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: I obtained a credit card machine for a new business I opened 9/**. 12/** I cancelled the credit card due to high charges, returned the machine and cancelled their service. They received the machine12/**, signed for with USPS. They then charged me $21.75 1/*/14, $19.95 2/*/14, $19.95 3/*/14, $118.95 on 4/*/14. After numerous calls and sending copies of delivery and cancellation notice, they agreed to refund this money and I was told by [redacted] at their company on 4/*/14 that I would receive my refund the beginning of May. I called them today (5/*/14) and was told by the male person who did not give me his name that my refund was still pending review (since 4/*/14) and he didn't know how long it would be. I believe they have taken and kept my money long enough.Desired Settlement: Refund in the amount of $180.60 taken without approval from 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.

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 $180.60, 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: [redacted], Inc. attempted to provide my sole proprietorship business with credit processing services under the name of [redacted]. I agreed to the salesperson's explanation of terms, which were the basic processing fee and no other fees whatsoever. This was not true. [redacted]) charged me a monthly fee of $15. Meanwhile, the application that would allow their service to function for credit card processing via my smartphone did not work. I attempted on several occasions to get this resolved with no luck. So essentially, [redacted] charged me continual monthly fees of $15 for 3 months of service ($45) that I was never able to use. Further, when I called to cancel their service I was told I was too late in the month and that I would be charged an additional month's service fee of $15. I received my checking account statement to find that they charged me $113+. So I called once again to [redacted] and they were unable to do anything about the charges. However, the representative that I spoke with at approximately [redacted], on 12/*/2014 explained to me that this was an [redacted] fee for reporting and that I would need to call during normal business hours Monday through Friday in order to have this explained. I believe his explanation implied that this fee was for a service they provide that I did not ask for and the withdraw they made from my checking account on 12/*/2014 was well after my account was closed and completely unauthorized. They took cancellation of my account over the phone, sent a confirmation of closure via email on 11/**/2014 with an explanation that the account will be fully closed when they receive the processing terminal they had originally sent to me. That terminal was returned with delivery confirmation dated 11/**/2014 at the [redacted] receiving location at [redacted]. There should have been no further reason for charges in any capacity in the month of December.Desired Settlement: I expect a refund for at minimum the amount charged after my account was closed ($113.86), if not for the full amount that their unusable service costed me for the time I paid but could not use ( 3 months X $15 = $45) plus the expense of shipping their processing terminal back to them in [redacted] ($4.86), and the overdraft fee their withdraw costed me at my bank ($38) for a total of $201.72.

Business

Response:

First and foremost, we would like to apologize on behalf of [redacted] for any inconvenience that this may have caused. As explained per our conversation, this was for the last billing cycle which is explained in your agreement. Nonetheless, we're refunding this amount back to you, and we're stepping up to the plate. You will see a credit of $113.86 hit your bank within 1-2 business days. Please feel free to call us with any other questions or concerns.

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: Last year I cancelled the contract with this company. At the beginning of this month there was a transaction done by their underwriter. I really didn't pay it no mind because I thought it had to do with my internet service. When I called my internet provider they informed me that it wasn't them. I called my bank and I explained to them I didn't know this company was so they provided me with a number to call. I called [redacted] to dispute the issue they then gave me a number for your company. I spoke to several people and they kept telling me that my account was closed since last year and asked me why I closed it. I told them I rather go with a different company. They told me they weren't taking anything out my account that it was [redacted]. I spoke to these people several times and they said they need a letter faxed over to prove that my account was closed. I called back and ask them to please fax the paper and they said they would. Now today I had a gentleman by the name of [redacted] tell me something different and told me that my account was active. I am very upset with this whole matter and I am out of $180 because no one told me what I needed to do or what papers needed to be filled out for [redacted]. This is not right and unfair because I cancelled it last year and I was not aware of the other things. I will never use this company or [redacted] in the near future.Desired Settlement: Refund check. Your representatives need to be retrained and know how to give customers the correct information.

Business

Response:

In response to this complaint

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

and fees have been charged as per contract.

It is the merchants responsibility to close their merchant

account and all related gateways. Unfortunately we cannot refund fees charged

by [redacted] because the merchant forgot to close their merchant gateway

account.

As per mangt refund has been declined.

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 iI reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I did not forget because I did cancel this account all because I found something else more suitable and easy for me to use. I do not recall anyone on both parties what I needed to do. I just cancelled it and that was all I felt I was suppose to do. Your staff needs to be retrained and explain to your customers carefully of what they need to do. However, for future business I will not participate with your company again. I can surely assure you I did not forget and had iI known what I needed to do I would of did what I had to do and I wouldn't be here today.

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

Sincerely,

Business

Response:

In response to this complaint. First on behalf Commerce Payment Systems I would like to apologize for the inconvenience this has caused you. After carefully reviewing your merchant account, according to our records, all rates and fees have been charged as per contract. Nonetheless for this inconvenience we will be refunding a the full dispute amount of $180.00 this will be deposited to bank account we have on file under bank account ending in [redacted]. Pleas expect this to be deposited within 24-48 hours. Commerce Payment Systems values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if it does not please feel free to email me at [redacted], or you can call me directly at ###-###-#### and ask for me by name. Thank you [redacted]

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. But you will have to refund me on my new bank account because I no longer have that account. My routing number is [redacted] and my account number is [redacted] or you can send me a check to this address [redacted] because I have moved

Sincerely,