Commerce Payment Systems

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:

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: 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