Commerce Payment Systems

Review: At the end of 2012, I was switching from my current merchant processor and I planned to begin using Commerce Payments Systems as my new merchant processor for 2013. Throughout the application process, their customer service became increasingly atrocious. I left numerous voice mails and emails with them, and only received promises of follow-up phone calls. I was in a bind because my business relationship with my current merchant processor was ending December **, 2012. Commerce Payment Systems was informed when I started talking with them in December 2012 that I needed continuity of service for my customers and that their merchant processing service would need to start on January *, 2013. Because of their lack of customer service and response, I was without a merchant processor at the beginning of January.

After submitting the application paperwork, I could not get a hold of the representatives that were supposed to be helping me with the application process. I had to call them repeatedly to get information and status updates. As a potential new customer, I felt that I was being treated poorly and grew very frustrated. If their customer service was this bad in the beginning, what would it be like once I was using them as a merchant processor? Would I be able to get a hold of anyone if I had issues with my terminal or processing a credit card?

In addition, the rates they quoted me were below what Visa and Master Card charge them, which makes no sense from a business standpoint other than they planned to hike up my rates immediately after I became a customer. I decided that this was not a company with whom I wanted to do business.

I decided against going with Commerce Payment Systems and gave [redacted] in Customer Support at Commerce Payment Systems notice on January **, 2013, that I would not be using them as a merchant processor. He received my email and responded back to me.

Several months later in 2013, Commerce Payment Systems started debiting various fees from my business bank account, totaling $772.25 that was debited, with the last debit being $178.90 on 12/*/13. They charged me $4.95 statement fees for statements I never received, a $34.95 membership fee of which I was not a member of anything of theirs, a $99 fee for not being PCI Compliant (I was compliant last year and can furnish proof from my current merchant processor), $15 and $35 (amounts varied on the month) minimum monthly fees on an account that was never activated since 0 transactions were run, $39.95 inactivity fees on a never activated/closed account , and a $99 IRS reporting fee on 0 transactions that were run in 2013.

This company never programmed my terminal, therefore not a single transaction was processed through them. I feel that these charges and subsequent debits from my bank account are erroneous and fraudulent. In mid-December, I requested a refund through customer who processed the request through their "upper management" and it was denied. I have called and emailed repeatedly and [redacted], a [redacted] who supposedly is in charge, will not return my calls or speak with me.

I want the funds that were debited from my account in 2013 restored, totaling $772.25 in all.Desired Settlement: I want a refund of all of the money that Commerce Payment Systems debited from my business banking account in 2013, which totals $772.25. This company never programmed my terminal, therefore not a single transaction was processed through them. I would prefer a check, as I had to block them from my account so they do not take any more money that does not belong to them.

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: 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: I have had dozens of problems with this company from the beginning. They have provided misinformation, failed to provide necessary information, refused to allow me to speak with supervisors, and overcharged me repeatedly. Further, their practices are unnecessarily complex and confusing. The two biggest issues, and the ones I need help with are as follows. 1) In May, 2013, the company withdrew $99 per account for a total of $495 for "PCI Compliance Fees" that I never agreed to. They said they sent me a notice of this fee, although I did not receive a notice and they were unable to produce a copy. I have requested a refund, but they have refused. 2) As a result, I closed my accounts with them on 8/**/13. However, they withdrew $2.50-$2.60 in monthly charges from my bank accounts for a total of $7.60 in SeptemberDesired Settlement: Refund of $502.60 for unauthorized charges

Business

Response:

Review: I am a small business owner who chose this business to setup a merchant account in order to process credit cards for my customers on 7/**/13. At the time that I signed up with [redacted], I understood the charges that I would incur each month was $4.95 plus transaction fees for cards processed and that was all and [redacted] confirmed that verbally to me when I spoke with him on the phone. To my surprise, I have been charged fees totaling $ 210.49 while only having collected $43.79 from cards processed. I have spoken twice with customer service reps about this problem. The first time was to cancel my merchant acct and request a refund which the representative confirmed would be done. I sent them a fax as requested at that time on 9/*/13 with the cancellation form and request for a full refund. I did not get the name of the lady I had spoken with. The second time was with [redacted] (CPS) because more fees were incurred after I had cancelled my acct. He stated he could not find the fax of the cancellation form that I had sent on 9/*/13. Then he had me send an email directly to him stating that I wanted my merchant account cancelled. He then sent me an email back on 10/*/13 confirming my acct was closed and that a request had been sent to management for a full refund. I followed up via email with [redacted] on 10/*/13 asking him for the status on my refund and have never received any response back and my funds have still not been refunded. It is now 10/**/13.Desired Settlement: Full refund

Business

Response:

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: My dental practice, Desert East Family Dentistry, has been using Commerce Payment Systems since Nov. 2011. My merchant account # is: [redacted]. In June 2013, I discovered an error in the amount billed per credit card transaction ($10 & 15 per card vs. $0.10 & $0.15 per card as per our contract). This error resulted in overcharges to me for the 1st 19 months of service in an amount approximating $15K. On June **, 2013, I called Commerce Payment Systems and spoke to Channel regarding the overcharges. She confirmed that they were incorrectly overcharging me per credit card transaction and informed me that she would email a supervisor and have them correct it immediately so it would be effective on my June statement. She also informed me that they would reimburse me for the overcharges and a supervisor would contact me regarding the refund. I followed up with Commerce Payment Systems on June **, 2013 since no supervisor had contacted me, and spoke to [redacted]. He assured me that the overcharge issue was submitted to management and my account was now in their Research Department. I gave him my personal cell phone number and he said someone would contact me as soon as the 'research' was complete. By July **, 2013, I still had not heard from Commerce Payment Systems. I called and spoke to [redacted], asking her for an update on the status of my refund. I was placed on hold for 20 minutes before I hung up. I called back and spoke to [redacted]. I explained that I had been calling and trying to clear up the overcharges and I requested that he get a manager or supervisor on the line because I wanted my refund within 10 days. [redacted] hung up on me, so I called him back and demanded he transfer me to a manager. He transferred me to [redacted]'s voice mail where I Ieft a message asking him to call me back. I contacted [redacted] on July **, 2013. [redacted] indicated Commerce Payment Systems had notes dated 6/**/13 about the incorrect per transaction fee put on my account and he then reassured me that my refund was pending and overcharges would be deposited into my checking account within 30-60 days. I offered to calculate the overcharges and [redacted] stated that he had all the statements on hand. I spoke to [redacted] at Commerce Payment Systems on 8/*/13. He said that they “were expecting to receive notification from Visa MasterCard in the next two weeks”, then “their owner or head official (who he said would not talk to any customers, when I asked to speak with him) must approve it.” [redacted] said that their representative would call me to advise me that my funds were being returned to me and [redacted] placed my cell phone number in my record to call. August **, 2013 was the deadline that Commerce Payment Systems gave themselves to investigate and return my refund. This final date was given to us by [redacted]. I left two voicemail messages for [redacted], who is the highest level employee that works at this processing company. I left [redacted]’s messages at 2:08 p.m. EST and at and 3:10 p.m. EST. At 3:10 p.m., [redacted] in customer service stated that [redacted] had left the office and was supposed to return the same day. My 60 day period ended August **, 2013. They corrected the erroneous charge per card since June 2013 but refuse to provide me with a refund for the overcharges. It has been over 60 days and I still haven't received a refund. The overcharges were the merchant's 'other fees'. The last phone call to the company resulted in no resolution and no response from upper management.Desired Settlement: I hope Commerce Payment Systems improves their customer service and follows through on the promises they make of refunding monies owed to customers by the dates they set for themselves.

Business

Response:

Review: I am a customer of this company. I have a credit card terminal to collect payments from my patients and it is handled by them. I have been having difficulties with the terminal working properly and have attempted to call them multiple times over the past two weeks to all the numbers that I have, but each time the call is answered with a radio playing and no person can be found. I have attempted to reach out by email as well to no avail. I do not know where they are or what has happened, but I cannot reach anyone at this time so that I can conduct my business properly.Desired Settlement: I would like someone from the company to call me as soon as possible to resolve my problems with the credit card terminal and to explain what their current situation is and how I can more reliably reach them in the future.

Consumer

Response:

I did NOT hear from the business in reference to complaint ID [redacted], but I persisted in trying to get in touch with them repeatedly and unexpectedly was able to get through today and the situation was resolved. I am still unclear about what happened and why I wasn't able to contact anyone in the previous period, but at this time I find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We called to cancel services with the company before September. We called and emailed the representatives. Spoke to [redacted], and Jamese. Company continues charging my bank account despite a canceled account. They have placed 2 fraudulent charges in Sept 2015:

9/*/15- BKCD processing $13.73

9/*/15- Authnet Gateway $6.25

Then despite continued calls, the money was not returned and another charge was removed for 10/*/15 for $5

from Authnet GatewayDesired Settlement: Refund for the 24.98 above is requested. Please also reprimand and if you can fine the company for fraudulent business practices.

Review: I have a number of problems with this company. I was contacted by a representative of the company via phone a out processing debit/credit cards. What they sold me was a plan with no hidden fees. The plan was for a percentage rate that I was locked into per swipe and that was supposed to be all that I would be charged. Immediately after our call I decided that this was not a good fit for me and I emailed the salesman to let him know that I was not interested in the service and to immediately cancel me. I also notified the underwriting department that we would not be proceeding. This company has been taking money from me directly out of my bank account since then. Totaling close to 900 dollars. I sent written cancellation notices and have still been having money removed by them against my wishes. I have sent [redacted] the customer service guy proof of all of this and have not been given my money back. I simply want my money back for what I was not signed up for. I am fortunate enough to have an attorney in my family who is more than willing to get the money returned by any means necessary. If I am not refunded every penny that is exactly what we will do. This is my last request before legal action is taken. The ball is in your court. This company has a history of doing this exact thing to many of its customers. I have proof of the fraud on every level and I am motivated to take any action necessary to simply be refunded my money. If the Revdex.com would like my emails, phone recordings and other documents related to this fraud we will be happy to provide via our attorney.

Thank You, [redacted]Desired Settlement: Return the STOLEN money.

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. Our records does not show acancellation request made until November ** 2014. Your account was recentlycharged in December for the processing month of November, since then yourmerchant account has been closed. Is the merchants responsibility to contactthe processor to close the account accordantly. Inactivity is not a form ofcancellation. Just like every other company, cellular phone, cable electricityect… Nonetheless, we have refunded the last 3 processing monthsas a courtesy totaling $329.85 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]

Business

Response:

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. Our records does not show acancellation request made until November ** 2014. Your account was recentlycharged in December for the processing month of November, since then yourmerchant account has been closed. Is the merchants responsibility to contactthe processor to close the account accordantly. Inactivity is not a form ofcancellation. Just like every other company, cellular phone, cable electricityetc....Our decision is final in this matter.

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]If commerce payment systems wasn't operating a fraudulent company I may be satisfied with the terms however, what I was sold by there sales rep [redacted] was far different then what I received. First of all cable, electric etc. Doesn't call there potential customers and offer them a package that is totally different than the package that they actually intend on maliciously selling you. Furthermore I think that commerce payment systems is the only company around that won't accept a written cancellation, a phone calk to [redacted] notifying him that I cancelled, and also another email to the underwriting team to cancel me. I went through the underwriting process in The summer yet I've been charged since Even furthermore I have [redacted] recorded telling me far different terms that were untruthful and AGAINST THE LAW. this company has a record of pissing off its customers and lying and cheating if they don't simply want to return my money then I'm prepared to play ball bring it on commerce payment systems.

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

Sincerely,

Review: On April *, 2014 the company billed my business account for $124.00. The problem is the $124.00 was for some type of PCI fee of $99.00 and the remaining $24.00 was the standard monthly fee. By billing me the PCI fee, which I had no known knowledge of placed my account in an overdraft status. Thus, producing a $35 over draft fee from my bank. When I phoned the company and spoke with the agent by the name of [redacted], he ([redacted]) advised the $99.00 would be refunded in 30 business days. However, this is not the first time that COMMERCE PAYMENTS have tried to stick me with this $99.00 PCI payment. Back in December 2013, COMMERCE PAYMENTS tried to bill me for the $99.00 which I had to wait until January to get refunded.Desired Settlement: 1). Cancel my service with COMMERCE PAYMENTS immediately.

2). Refund my account 134.00. This is the $99.00 PCI fee plus the $35 overdraft fee my bank assessed my account. This is the full refund.

3). Ceased any and all billing asap. This includes billing that is suppose to hit my account(again) on May *, 2014. How are you going to bill me again and I am already in the red.

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 refund was issued for $99 within the April

statement, your monthly fee of $25.00 was charged in which a net deposit was

made of $74.00 back to your account. Please see copy of the statement in form

of attachment.

A refund has been issued for the remaining disputed balance

of $61.00 totaling the refund of $135.00.

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

Review: I am being told that I need to provide licenses for each contractor that works in my building even though they have their credit card machines and they do not use mine. I just rang in a $23.00 sale and they are holding my funds until I provide them with people who work in my salon's personal licenses. I have been hung up on and put on hold for hours. I have been very rude to and told that they will hold my money for 6 months. I have tried to explain this to this company but I have been hung up on and ignored! do not go with this company. They are holding my $23.00 and it includes the states sales tax I owe, plus a small tip and the money for a pedicure I performed. I have never been treated so rudely and viciously.Desired Settlement: I want my $23.00 and to be totally separated from this company. I want to cancel everything. I do not want to be charged for anything as I was told I have 30 days guaranteed. I thing this company should be shut down.

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, your

account has failed verification.

This concluded your merchant account to be declined due to

unable to verify identity. You can reprocess these sales with a different

processor or the funds will be on hold for 6 months before releasing any funds.

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 started my business and was contacted by a representative of the company, [redacted], to accept credit cards on my new website. I told him that I didn't need this service because it was a new business and I had PayPal; why would I pay a monthly fee for this business? [redacted] contacted me numerous times and promised me that he would waive any monthly charges for the first year of my account, thus there would be no risk to me. I reluctantly signed up with him; when I pointed out that the monthly fee was still showing on the contract, he told me he would take care of that. [redacted] defrauded me in that he had no intention of taking care of it and knew I would be billed monthly. In fact, I was billed numerous monthly and inactive account fees which were automatically taken out of my business account.

On 4/**/13 I cancelled my account because I realized I would never need to accept credit cards on my website; I never actually set it up to received credit cards because it was too complicated to do so. I contacted American Express to cancel my account in April, 2013. I did not realize I had to contact Commerce Payment Systems as well because all my statements came from American Express and I never received any statement or contact from Commerce Payment Systems. When I started receiving statements from American Express, I thought Commerce Payment Systems was now out of the picture.

I did not check my online business accounts and discover Commerce Payment Systems was making repeated withdrawals from my account until January, 2014. To be honest, I had forgotten how to get onto my online banking account and had to go through and set up my access once again with a bank representative. I then printed out all my statements for 2013 and discovered that Commerce Payment Systems had taken out $867.10 from my account from March 2013 until January 2014. When I talked to a Commerce Payment Systems representative I was told that the fees were for monthly service and inactive account charges. They never contacted me to find out why my account was inactive. Had they done so, I would have told them that my account was inactive because I thought I had cancelled it on April **, 2013. Instead, they just kept taking out monthly service fees and inactive account fees.Desired Settlement: I would like a full reimbursement of the $867.10 of invalid deductions made by Commerce Payment Systems from my bank account. Their representative knowingly made misrepresentations that he knew his company would not honor. When I talked to a customer service representative I was informed that they would never waive the monthly fee for a year. This is the complete opposite of what I was told when they were trying to entice me into signing up with them. It is my understanding that [redacted] is no longer with the company; perhaps I am not the only customer he lied to and defrauded. I called and wrote Commerce Payment Systems about my complaint and they refuse to refund me the money. They are responsible for the misrepresentations made by their employee and are therefore obligated to refund me all money wrongfully taken from my bank account.

Business

Response:

Review: We had a contractual agreement in which Commerce would not charge membership fees. On numerous occassions we would get charged hidden fees and I would call to have them removed. This happened numerous times in several years. Each time wasting valuable time to dispute these charges. Lastly, we again were charged $34.95 for a membership fee. This time the fee was not adjusted and the customer service person I spoke to indicated that our contract states they can charge any fee they want to as long as previous notice is given. Over the length of our business together this company's customer service has been atrocious. While we no longer do business with Commerce, we refuse to be taken advantage of or for them to have monies they are not entitled to.Desired Settlement: We no longer wish to do anything with this company except to be issued a refund for $34.95 and an apology for their insincerity and poor business practices.

Business

Response:

Review: After false advertising and billing was completely incorrect. Company refused to refund my account any amount. Promises and lies. There is no way that they have a positive customer service rating based on my experience. Promised 1.69% but billed 5.35%. Cost my small business over $1000 in excess charges because my account executive, [redacted] promised low rates, but when I made my first transaction and I called to get it corrected, suddenly her phone didn't work and she would call or email me back. Pretty convenient, numerous attempts to cancel my account via email were ignored.Desired Settlement: At the most, I would like $1000 refunded at the least, I would like my $99 2014 audit fee refunded. I am sure that neither will happen since the company is horrible. Not expecting anything.

Business

Response:

Review: I sent cancellation to the company, both by fax and email. ( June **, 2013 )

I packed up the terminal and shipped it the same day. June ** 2013 @ 2:31 pm . Tracking information verifies that it was delivered on June [redacted] 2013 at 11:14 AM. * I then called Commerce and requested some confirmation from their part. Someone transferred me and was immediately cut off. I called back and a different party informed me that the receiving department did not take calls, but that they would walk over to see if could get some confirmation for me. I held the phone and after a few minutes the party came on and gave me a confirmation number of [redacted]. Come July, I was billed 16.95. I called and explained that I was wrongly billed and was told that someone did not update their system and a credit would be issued. I requested a credit to be issued immediately , not the following month and to have a supervisor call me ASAP. (I was working under the idea that I could get my bank to forgo the 12.00 service fee for the month) No call back was received and no credit has been issued. Now today is August ** and I've called Commerce again, was told someone did try to "reach out to me". My phone records indicate negative on that score. I was then told by ( [redacted] that they did not receive the terminal until July [redacted]. I corrected [redacted] on that score, giving him the tracking number and information that it was received by Commerce on June [redacted] at 11:14 AM. I also provided him with the confirmation received by phone to Commerce* . After a couple of minutes he said that I credit would be issued, I requested that it be done at once since my bank has already whacked me for 12.00 and if they wait till Sept. I will get whacked again. [redacted] said that they do have the capability to push a credit through with-in 5 days and that I should see a credit by Friday the [redacted] or Monday [redacted]. We shall see!Desired Settlement: That I receive the credit of 16.95 plus an additional 12.00 to offset my bank fee. All this to be accomplished prior to July [redacted]. If after July [redacted] then the amount should be 16.95 plus 12.00 plus an additional 12.00 for Septembers bank fee.

Business

Response:

Review: My company was going to use Commerce Payment systems for my credit card services. Did the usual sending in of paper work. They wanted some info that wasn't really needed for business. I refused to send, so was denied their service. I have been charged 19.99 a month for many months. have contacted the company sent in multiple cancellations but they always have some excuse. My company has never used their service once and sent their equipment back to them but yet they continue to make excuses and charge my account. When I speak with someone they just sit and listen and continue to read off of their script.

Let me be clear here . I have never used this companies service nor do I even have their equipment but they faithfully charge my account and give me excuses as to when and why this isn't rectified.Desired Settlement: just want a refund of the money charged to my account

Business

Response:

Review: I signed up with them in Aug, which I was hesitant to do. The salesman, [redacted] told me that there was no fees and a low 1.99% per transaction per swipe. I had the Square which I have had no issues, but decided to see if this was really too good to be true. After I received the card swiper, I got a phone call from [redacted] Bankcard stating they needed a gas or electric bill copy from my business. I told them that is not what [redacted] said and that I didn't want this anymore. This was back in Aug. I left a message to [redacted] to find out what was going on and he never called back. I never used this and then they started charging me 15.00 every month since Aug and then in Dec 114.00. So that is when I decided to call and they told me they wouldn't honor the refund from that far back and could only do the 99.00 IRS fee. I do not appreciate being lied to and ignored.Desired Settlement: Total refund.

Business

Response:

First and foremost we want to apologize for any inconvenience that this may have caused. As per our conversation we already refunded $99 to you, and you should see $60 hit your bank account by tomorrow. We're stepping up to the plate, and we're refunding the $160 that you requested. If there's anything else that we can assist you with, please feel free to call our ###-###-#### number for assistance

Review: I was contacted in March of this year by an Evolution Bankcard representative which is actually Commerce Payment Systems. I was offered credit card processing with lower interest rates, no contract, and no mention of any kind of processing fees. The representative, [redacted], talked with me over the phone saying they represented widely known businesses such as Taco Bell, Target, and others. She requested I send in information about my business including a voided check, utility bills, and other things. I complied and was told I was approved the next day. Commerce Payment Systems then hurriedly sent me a card reader for my phone to take credit card payments. But,, before having even used their services I was the informed I need to provide more documentation in order to be able to open my account. I complied. Then they wanted more stuff including brochures and such to make sure I was legit. In the meantime I had told my brother, which is also an insurance agent, about Evolution Bankcard. He even had more trouble as they were asking him for his passport or birth certificate. I immediately became suspicious. Then, on April [redacted], 2014 my bank account was drafted for $19.95 without any kind of billing or notice. I told my brother about it and he looked at his account. His account was drafted for over $100. He called and complained and then had to threaten legal action in order to get his money whilst also demanding they send him prepaid postage to mail the terminal they sent back. He was successful. I mailed the card swipe back on my own dime and filled out the cancellation form and also added the tracking number. They would not refund my money. I let it go. On 4-**-14, I called Commerce Payment Systems to verify my account had been closed because I had not received an email confirmation like my brother had. I was informed it was being closed on 4-**-14 and that I was going to be charged for a processing fee for the month of April. The representative was very rude as they always are and I hung up. I then emailed [redacted] that I better not be charged because my account was never technically opened nor used. She did not respond. Today, May [redacted], I woke up and checked my bank account. Commerce Payment Systems charged me $118.95 for processing fees. I called and they refused to give my money back. This company's sales techniques are very misleading and also are most likely being used to perpetrate identity theft in my honest opinion. At the very least they trick consumers into digitally signing contracts that cannot be read full well knowing they will eventually be found out to charge hidden fees and directly accessing your checking account with routing and account numbers. I had to pay my bank $30 for a stop payment to these guys because they are thieves. I want my money back, which is $19.95 plus my $30 for stopping payment. I will also contact New York's Attorney General and the FBI on this company's very misleading sales tactics.Desired Settlement: This company needs to be investigated for its deceptive consumer practices. It is a total scam and they are very good at it. I want my money back and to never hear from them again.

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

Review: To Whom It May Concern:On 03/**/2014 at 1:29pm, I called your office to discuss why the above account was still being charged monthly bills for January 2014, February 2014 and March 2014.Your employee by the name of [redacted] answered the phone. [redacted] was extremely unprofessional and did not assist the matter in anyway. [redacted] lack a lot of customer service skills and should not be answering the phone.I informed [redacted] that I called your office on 11/**/2013 to request the above account to be cancelled due to rate increases. I was then sent an email from your representative on 11/**/2013 with instructions on how to cancel your service along with a cancellation form to complete. During this conversation, I was informed that a follow up phone call to your office regarding the receipt of my fax cancellation form was not necessary. On 12/**/2013 I faxed over the cancellation form to fax number ###-###-####. See attached email from 11/**/2013 that was sent to me from your office and my cancellation form that was faxed to you on 12/**/2013.On 03/**/2014 at 1:29pm, [redacted] said that my request for cancellation was not received and my request to cancel my service over the phone was not documented. I informed [redacted] that I have an email copy from 11/**/2013 sent to me with instructions and a cancellation form. I informed [redacted] that money have been deducted out of the account without my approval and that I would like to speak to a live [redacted] refused to get a live [redacted] on the phone to speak with me. [redacted] said that he will only put me in the [redacted]'s voice mail. [redacted] said the [redacted] will get back to me when they can and since I am requesting a refund, I would be considered low priority. This statement made me extremely angry. I wanted a live [redacted] immediately. [redacted] threatens to disconnect the phone call. I then told [redacted], that I will contact my bank to reverse all charges from Commerce Payment System because this would be the fastest way to solve the problem. Furthermore, [redacted] said that I need to re-fax to him the cancellation form to a different fax number. I refused because I have already faxed the form to the number that I was instructed to in an email and that fax number was ###-###-####. [redacted] said that when he receives the cancellation letter then he will file a complaint on my behalf. I asked him when will anyone call me back or when will the money be put back into my account. I explained to [redacted], that I have filled a complaint with Commerce Payment System in the past and NO one has ever called me back with updates and that it takes Commerce 30-45 days to do a refund. Again, I requested for a LIVE [redacted]. Again, [redacted] refused to honor my request saying there is no [redacted] to take my call. I explained to [redacted] that there is ALWAYS a [redacted] on duty. [redacted] refused to get me in contact with any live [redacted] to assist me.I had no choice but to contact my bank to file a fraud charge. The money was taking out of my account without my approval.Overall, I am very disappointment with your company. [redacted] lack of customer service skills and the company's attempt to follow up on complaints are unreliable. I will be forwarding a copy of this complaint to the Revdex.com in New York and Oregon.Desired Settlement: Prompt refund please.

Business

Response: