Commerce Payment Systems

Review: Called and cancelled service at the end of May. Returned machine which they say was received on June [redacted].

Cancelled due to unauthorized $99 annual fee which they first offered to waive if I continued to be a customer, but then refused to refund me the charge after I closed the account prior to the month they charged me.

I contacted them 3 times regarding this $99 fee which was never disclosed in any written document. I was also told when setting up my account that there were no other fees besides the processing and settlement fees.

The result of my most recent conversation on 07/**/2013 was that they declined my request for a refund of the $99 fee.

They also charged me an additional $53 on 07/**/2013 and said it was because they didn't get my machine back until June [redacted] 2013 and therefore charged me for a full month of service. However normally my monthly fees

are around $30 in transaction fees and therefore I don't understand how they can charge me $53 when I had NO transactions in the month of June and had sent the card machine and cancellation letter before the end of June.Desired Settlement: I wish to be reimbursed the $99 fee that was an undisclosed annual fee that I shouldn't have been charged as I cancelled prior to the date this fee was implemented.

I wish to be reimbursed $53.95 for the fees charged for the month of June where I did not use them for any credit card processing.

The total refund I wish to receive is $152.95 within 30 days.

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 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: 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: I contacted Commerce Payment Services after finding them with a [redacted] search. I was interested in using their company to provide my business with credit card processing. I told the salesman who contacted me that I needed a credit card machine that could do pre-approvals because my rental business required this type of a credit card deposit transaction. The salesman "**" said that would not be a problem. The emailed me some information showing their fees etc. There was no mention of any fee or cost involved with getting a credit card terminal that would work for my business. Their website is very specific and states that there is NO CHARGE for their equipment and they show all types of credit card machines, including internet enabled machines. After my account was approved, actually even before I was fully approved, I was sent a small credit card swiper made by "Anywhere Commerce" that was intended to be used with an Android App on a tablet or Android phone. I did not ask for them to send me this device, it just showed up. When I called tech support to inform them that I wanted an actual credit card machine, I was informed that I would have to pay a yearly fee of approximately $79 for "insurance" on the machine....or I could buy my own. When I asked where this policy is stated on their website, I was not given an answer. I pressed the tech support guy to explain to me how this qualifies as "free" and he could not give me an answer. I am currently trying to close my account with this company and I've gone with a different credit card processing company that does not lie about its policies.Desired Settlement: I would like to see the company post something about this fee to their website and to make it clear that there is indeed a fee to get a credit card machine. I would also like my account to be closed. 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, please be

advise that we have FREE TERMINAL PROGRAM, the free terminal program includes

an insurance fee in case any thing happens to this machine. This is what we offer a as a free terminal program.

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:

If you log onto the company website (as I initially did when I was enticed to open an account with Commerce Payment Systems) there is absolutely no mention of the insurance fee. This can in no way qualify as "free" and is indeed a hidden cost. The company website makes it seem as if all the costs are open and upfront with no surprises or hidden charges of any kind...therefore, it's a lie and misleading. The company should state on their website that this insurance fee does exist.

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

Unfortunately this is what we offer as a free terminal program,

this is explained with the account manager if a free terminal is needed.

Commerce cannot wave the insurance fee.

Thank you

Review: I signed a contract as the sole proprietor for my medical practice with [redacted] Services for what I was told was "my solution to easy banking". I did this in the early part of June and thought that the charges I charged my patients on their debit and credit cards was accounting to my business account. I was very wrong. I called today after reviewing my bank statements and noticed that the money that I was charging was not in the account. So I called [redacted] to determine what the issue was. When I did this, I spoke to a person named [redacted], who said "you need to do a verification", which I did. She asked me several questions, such as, Date of birth, Social Security, DL number, address, old addresses, and then my personal home mortgage. After all the questions she informed me that I failed the verification! I talked to someone higher up named [redacted], to which he informed me that since I failed the verification that my account would be frozen for 6 months or that I could cancel my account, refund my patients their money, track them down, and charge them through another vender. Now, I still do not have the money that I initially charged my patients and no one in [redacted] is willing or able to help me retrieve it. I also went to my local bank and she said that normal bankingcard companies do not do that. So therefore, I believe that [redacted] Company is a scam and I need some help in how I should proceed next in retrieving the money that is mine. I am the sole proprietor of my medical office. In the early part of June 2014, I signed a contract with [redacted] and was assured that is was the answer to my "easy banking solutions". So for the past two months, I have been charging patients credit and debit cards using their credit card machine, thinking that the money was going into my business account. I sat down today to look at my bank statements and noticed that none of the charges were going into my account, so I called [redacted] and talked to a customer service representative named [redacted] informed me that I needed to go through a verification process, and I agreed. She asked for my social security number, Drivers License number, Name, Date of birth, old business location, new business location, and how much and where my home mortgage was from. At the end of all the questions, I was informed that I had failed the verification. So then I asked to speak to someone higher up, who was named [redacted], to which he informed me that there was nothing I could and my account would be frozen for 6 months or that I could refund my patients their money and charge them through another vender. I have tried numerous times to call [redacted] who is supposedly their [redacted] and he refuses to call me back. All I want is my funds that are mine owed back to me so that I do not inconvenience my patients.Desired Settlement: I would like to have the funds that are owed me, without inconveniencing our patients. All I want are my funds returned to my account and my account with [redacted] cancelled.

Business

Response:

I have forwarded the complaint to Commerce Payments Systems and the response is below.

Thank you

[redacted]l

First on behalf of [redacted] I would like to apologize for the inconvenience this has caused you.

After speaking with the merchant, I explained in detail that they failed the validation process and as

a result, the merchant account had been declined. The merchant was asked security questions based on

their credit report but the merchant was not able to answer any of the questions.

Merchant understood and will be processing the sales with a new credit card processing company.

[redacted] Bank Card 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 believe the way they handle their business is entirely appalling and unprofessional. First of all, what does my personal home mortgage have to do with collecting the funds that I charged from my patients? Shouldn't my driver's license number, current address, and social security number sufficed enough. Also, when reading other reviews from previous customers, many others had the same problem I experienced. Not only has this caused an upset in my business financially, but it has also possibly caused harm to my business's professional reputation. I do not feel that anything was resolved because this company gave me no choice but to terminate business with them because they would not 1) give me another verification 2) allow me access to funds that are mine.

[Your Answer Here]

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:

[Your Answer Here]

I spoke to [redacted] in reference to my complaint and he seemed confused as to why I filed one to begin with. Yes, I am frustrated with his company and the way they run their business. Because of the verification failure, to which I still do not understand why the doctor's personal home mortgage came into play, my business has lost some of its funds because we did not get all the information back that the company promised. So I had to send a letter to all my patients that used their card with [redacted]'s Terminal and ask them to come by and use the new terminal we had to contract. Some patients have come by, but we do not expect to get the full funds we originally charged. The terminal that we contracted with cannot just take the account number, it either needs the card to be present or additional information needed that we may not be able to get. This frustrates me even more because not only has this whole situation inconvenienced my business and my patients, but now I have lost some of the funds that were originally owed to me. I feel like nothing was resolved and I tried to explain this to [redacted] I felt like he was ignoring the issue and I was done arguing with him and I told him as far as I was concerned it was "water under the bridge" because talking to him is impossible. I read many reviews from others who had the same issue I had and some even said the company was a scam. My point is, nothing has been resolved because now I have new issues recollecting from patients.

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, seems as if this issue was resolved back in August 2014. Refunds were issued back to the credit card holders. Nonetheless for this inconvenience we will be refunding $250.00. This deposit will post to the bank account ending [redacted], this will post to your bank account 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

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: 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: 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: 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 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: 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: 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 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: 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: 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 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: I was promised and assured there will be no other fees besides the .25 and 1.39 and I have the email where the rep [redacted] said all this and was charged a lot moreDesired Settlement: I want all my money back that was taken from me . This company is a rip off and should be closed.

Business

Response:

Review: We have a credit card machine with this company. The machine has never worked correctly and we return it to the company in May. Several calls have been placed to the company looking for the machine and we were promised calls back on several occasions. Its no October we continue to be billed monthly for the machine but do not have the equipment.Desired Settlement: A full refund an nothing less.

Business

Response:

Review: My [redacted] at [redacted], Inc. a flight school located in [redacted] opened a credit card servicing account with Commerce Payment Systems on or about 03/**/2013. On 03/**/2013 an agent of Commerce Payment systems notified our [redacted] that she had received all the necessary information and we could start processing credit cards with them. It was not until ** January 2014 that we realized that although we were processing our customer's credit cards and the cards charges were being paid to the Commerce Payment Systems, but Commerce Payment Systems was not releasing the money to our account. When we contacted Commerce Payment Systems they said that they still needed a correct business address of our company and an old utility bill showing that we paid utilities at our business location. Mind you, this was a full 10 months after we had started the account and we had never been contacted about this problem nor have we ever received a financial statement from Commerce Payment Systems advising us that they were holding over $83,000 in an escrow account and that our service had been canceled. When the [redacted] of [redacted], contacted an account executive named [redacted] (she would not give her last name) she said that our account had been closed and that she would hold the $83,000 for nine months before releasing the funds. Another account executive told us that he could refund to the credit card customers all the money and then we could reprocess the cards. We are talking about hundreds of cards over 9 months and even that process would take six to nive months. When I decided to just go the refund route and reprocess the cards, Commerce Payment Systmes has a clever system of sending you to another company who they say does the actual refunds, but when you contact that comapny thye refer you back to Commerce Payment Systems. We asked [redacted] to give us a [redacted], but she refused and said that we could not speak to anyone but her and she was as cold as anyone I have ever spoken to in a business. So in effect you cannot speak to any management or ownership personnel to voice your complaint. [redacted], Inc. is a Veteran Owner Service Disabled Small Business and having this much money tied up in an escrow account hurts us to the core.Desired Settlement: [redacted]. would like Commerce Payment Systmes to release the escrow funds they are holding to our bank account. We have performed the services for which we received the credit card payment from the customer, and Commerce Payment Systems has no right whatsoever to hold those funds from us. We have not signed any authorization for them to hold our money for nine months before releasing it to our account.

Business

Response: