Initial Business Response / [redacted] (1000, 5, 2014/11/20) */ Cardience has reviewed the ComplaintOn November 20, 2014, a refund was issued to the Complainant in the total amount of $and its account was closed on November 7, Please close this complaint as resolved Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/11/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response from Cardience because they never contacted us as promised and we certainly did not receive a refundPlease provide proof of refund Final Business Response / [redacted] (4000, 9, 2014/12/02) */ Cardience initiated a transfer of funds through ACH on November 20, The total amount of the refund ($1849.32) was taken from its account and within hours the funds would be settled directly in the Complainant's bank accountProof of the refund will therefore be in the Complainant's bank statements, which are in Complainant's possession and controlAs of today, Cardience has not received any communication and has no evidence that would indicate that the ACH was rejected by Complainant's bankComplainant had requested in its complaint that Cardience cancel its account and refund its money, both of which have been doneCardience requests that this Complaint be closed as resolved
Business Response /* (1000, 15, 2014/04/21) */
Customer called Cardience on 1/2/14, 1/6/14, and 1/9/for technical support and rate changes, with all issues resolvedOn 1/10/14, Cardience spoke with customer again who claimed that she was promised that she would not have a contract (but
rather month-to-month billing), NDF, and monthly discountingShe was also upset about December feesCardience offered to refund the December fees and put her account on month-to-month billing, which she had originally stated that she wanted but Customer declinedShe also stated that she had not actually read her entire contract so she was unaware of what it saidOn 1/10/and again on 1/22/14, Cardience adjusted Customer's rates and on 1/29/Cardience cancelled customer's service at her requestAll of these actions were taken prior to the filing of Customer's complaint (on 2/4/14) and, therefore, Cardience requests that this case be redacted/removed as resolved prior to the date of the complaintAll supporting documents can be provided on request
Consumer Response /* (3000, 17, 2014/04/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well it is true the dates they are explaining, but is not true that they fixed the problem before I canceled the contract, what happened was I called regarding the deposits that they where making into my account, because they didn't match with my registers, and then they said they will fixed, later I called regarding the time they are taking, because they took to long to pay, but I was all ready upset , with this company, and is why I decide to cancel their services, but when I decide to cancel the surprise was that I have to pay the $that was in the online contract, that never be aware to read, so they never accept to put me in month to month contract,If that was the I never would bring a complain with the Revdex.com, they tell me that I have to pay and they took very long time in doing the investigation, All this was after I fill up the complain with you, and then they call me from the company *** and the person who call me was *** and said the they investigate with Ms*** and she tell them that I have to pay the fee, witch was not true, and then I said I would like tree line call because I need to talk with this lady, witch they said that they do the investigation all ready and I have to payso I told them that I going to close my store and I don't be going to be conducting business, and then they told me that the need a legal paper to close my account, I was closing the store and not the business, because probably in the future I will decide to open and other store; so I said, I need to return the equipment that you lend me , because I don't going to be here I am closing the store, they told me that they will send ups slip to send back the equipment, but I never got it, before all this I put a stop payment in my bank for them to not collect any money until all this issues being fixed, that was back in January, is why they return the December fees , but they try to collect the $by the Third week of February, but I called the bank because I all ready did an stop paymentso the return the money.not because they decide to close the account but, because I all ready I spoke with the bank before
So What I tried to said with this is that this company have doesn't have a true ways to do business and what they said is not true
I am glad that I don't have to pay the $any more, because they say thatWell it is what I think, according with themthey close my account
All supporting documents will be provided upon request, but I am sending you the bank statement where they tried to charged me $ON Feb
Thank you
Business Response /* (1000, 15, 2014/04/21) */
Customer called Cardience on 1/2/14, 1/6/14, and 1/9/for technical support and rate changes, with all issues resolvedOn 1/10/14, Cardience spoke with customer again who claimed that she was promised that she would not have a contract (but rather month-to-month billing), NDF, and monthly discountingShe was also upset about December feesCardience offered to refund the December fees and put her account on month-to-month billing, which she had originally stated that she wanted but Customer declinedShe also stated that she had not actually read her entire contract so she was unaware of what it saidOn 1/10/and again on 1/22/14, Cardience adjusted Customer's rates and on 1/29/Cardience cancelled customer's service at her requestAll of these actions were taken prior to the filing of Customer's complaint (on 2/4/14) and, therefore, Cardience requests that this case be redacted/removed as resolved prior to the date of the complaintAll supporting documents can be provided on request
Consumer Response /* (3000, 17, 2014/04/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well it is true the dates they are explaining, but is not true that they fixed the problem before I canceled the contract, what happened was I called regarding the deposits that they where making into my account, because they didn't match with my registers, and then they said they will fixed, later I called regarding the time they are taking, because they took to long to pay, but I was all ready upset , with this company, and is why I decide to cancel their services, but when I decide to cancel the surprise was that I have to pay the $that was in the online contract, that never be aware to read, so they never accept to put me in month to month contract,If that was the I never would bring a complain with the Revdex.com, they tell me that I have to pay and they took very long time in doing the investigation, All this was after I fill up the complain with you, and then they call me from the company *** and the person who call me was *** and said the they investigate with Ms*** and she tell them that I have to pay the fee, witch was not true, and then I said I would like tree line call because I need to talk with this lady, witch they said that they do the investigation all ready and I have to payso I told them that I going to close my store and I don't be going to be conducting business, and then they told me that the need a legal paper to close my account, I was closing the store and not the business, because probably in the future I will decide to open and other store; so I said, I need to return the equipment that you lend me , because I don't going to be here I am closing the store, they told me that they will send ups slip to send back the equipment, but I never got it, before all this I put a stop payment in my bank for them to not collect any money until all this issues being fixed, that was back in January, is why they return the December fees , but they try to collect the $by the Third week of February, but I called the bank because I all ready did an stop paymentso the return the money.not because they decide to close the account but, because I all ready I spoke with the bank before
So What I tried to said with this is that this company have doesn't have a true ways to do business and what they said is not true
I am glad that I don't have to pay the $any more, because they say thatWell it is what I think, according with themthey close my account
All supporting documents will be provided upon request, but I am sending you the bank statement where they tried to charged me $ON Feb
Thank you
Initial Business Response /* (1000, 13, 2014/11/11) */
Cardience has investigated the claims made by the ComplainantThis review confirms that the contract signed by the Complainant charged the correct rate of Cost Plus 0.5%It also shows that the monthly minimum, which is listed at $
in the Merchant Agreement, was lowered to $by the sales partnerCardience has no records that Complainant was promised a flat fee of $8/month or that any early termination fee would be waivedIn order to resolve this matter amicably, however, Cardience will waive the early termination feeIt has not been paid by the Complainant and, therefore, no refund is requiredCardience will remove it from any bill and not attempt to collect it
Initial Consumer Rebuttal /* (3000, 15, 2014/11/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have sent them the original contract that I signed and it does show only $8/month flat plus 0.5% rate and that I could cancel any time it was never mentioned that there was any fee for early terminationevery month I called them to times for them to refund me the fees they been taking from me they promised but never deliveredI have the statement of all the fees for month that's not supposed to be therei could name few .*** $statement fee $ *** npf $*** processing fee , *** network fee , web reports fee, *** *** club fee and so much moreThat's ripping the peopleI want them to send me a check with all the fees that were taking from me like they promised me over the phone
Final Business Response /* (4000, 17, 2014/11/19) */
Contrary to Complainant's statement, the Merchant Application and Agreement referenced by the Complainant reflects various fees, not just the those he referencesOn page of the document there is listed the "Statement Fee-Monthly" of $plus a "batch fee" of $There is also listed a "transaction Fee" of $for *** *** and *** *** Cards, a *** *** of .5%, a *** (Online) Debit" of $.22, a "Chargeback Fee" of $25, and a "Retrieval Fee" of $Page of the document references *** fee" of $per *** for *** and *** and states that there are "Additional *** terms set out in the online Merchant Agreement." The "Merchant Application and Agreement Acceptance" portion on page two, which Complainant signed, states "Merchant acknowledges having read and agreed to the terms and conditions of the online Merchant Agreement found at *** If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by *** Payments, and having read and agreed to same." In that Agreement, paragraph sets out the fees and charges, in addition to those mentioned above, that are applicable to the accountAdditionally, paragraph sets forth the terms and conditions regarding termination and specifically states the fees and charges that will apply if "this Agreement is terminated before completion of the then-current term." The Fees charged to Complainant were specifically stated in the Agreement, they were as per the Agreement that he signed and acknowledged, and they were legitimately charged and collectedThe early termination fee was also as per the Agreement that was signed and acknowledgedNevertheless, as stated in a prior response, as an accommodation to Complainant and in a good-faith effort to resolve this matter, Cardience has waived the early termination fee and will not seek to collect it from the ComplainantWith this accommodation to the Complainant, Cardience believes that this matter should be closed
Consumer Response /* (2001, 23, 2015/01/08) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:
RevDex.com:
I have reviewed the response made by the business in reference to complaint ID 10977598, and find that this resolution is satisfactory to me.
While the end result was what we asked in the beginning it took an incredible amount of wasted time to get to this result. Two months is an unreasonable length of time to resolve an issue. At no point was the deceptive sales rep held accountable for his actions and this business still signs up new clients based on lies to this day. Yes, we were refunded what was promised us and also NOT charged the $termination fees that were threatened with repeatedly. But, this simple slap on the wrist will not prevent this fiasco being repeated with another small businessLesson learnedWe will NEVER do business with them again.
Thank you Revdex.com for getting past their "What are you going to do about it?" attitude and facilitating this end result!
Sincerely,
Bonnie ***
Initial Business Response /* (1000, 5, 2015/02/06) */
The "Merchant Application and Agreement" signed by Complainant on April 16, 2013, states in the "Merchant Application and Agreement Acceptance" portion on page two, which Complainant also signed, "Merchant acknowledges having read and...
agreed to the terms and conditions of the online Merchant Agreement found at [redacted] If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by [redacted] Payments." Paragraph 4.04 of the Merchant Agreement sets forth the terms and conditions regarding termination and specifically states the fees and charges that will apply if the Agreement "is terminated before completion of the then-current term." Thus, contrary to the Complainant's statement, the fee to be charged to Complainant was specifically stated in the Merchant Agreement referenced in the Merchant Application and Agreement Acceptance that was signed and acknowledged by the Complainant.
Initial Consumer Rebuttal /* (3000, 7, 2015/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, I will start off by stating that while the complaint is still open at the Revdex.com, Cardience removed, not a $300 cancellation fee as they originally stated, but a $395 cancellation fee from my bank account. It seems the company arbitrarily decided to up their ridiculous fee and go into my account while we are still in dispute. Additionally, they removed the money under the name [redacted], which we have nothing to do with since we signed the contract with Cardience. These cowardly and dishonorable actions show the type of company Cardience is, full of lies and scams to cheat small businesses out of their hard earned money. Cardience, no, [redacted] had no business going into my account without my authorization and taking money, which is, essentially, theft. I'll also add that Cardience is basically just another name for the company [redacted] Payments, something I just found out. Looking further into it, I found that [redacted] Payments had more than a hundred complaints at the Revdex.com, which is probably why it goes by Cardience and many other names to rip off other businesses. Second, let me state that I signed this agreement trusting the sales agent's word that there would be no cancellation fee. Also, nowhere in the contract I signed, does it explicitly state that there is a $395 cancellation fee. As Cardience is deeming my word untrustworthy, claiming they can't verify my claims or the sales agent's claims, I cannot trust their online terms. According to them, these terms posted online were part of my contract, even though a copy of these terms were never present when the contract was signed. I found these online terms can be changed at anytime, whenever the company deems it useful. There is no way that a contract that can be constantly changed by one party be found useful or reliable. I've been unhappy with Cardience's services for a very long time. I have made multiple calls to find out about all the extra fees they added to my account, and when my questions were not satisfactorily answered, I decided to cancel service. This was not an arbitrary decision, as Cardience is costing me hundreds of dollars in fees. Now that I'm trying to leave this company, they are suddenly coming up with these fees, claiming first that a $300 fee was owed, and then a week later taking $395 from my bank account. Cardience's dishonest actions have to be made right. Their online terms should not be considered valid, taking into account that they can be changed to suit the company's purposes. Therefore, I do not accept this cancellation fee and demand that Cardience/[redacted] return my $395.
Final Business Response /* (4000, 9, 2015/02/17) */
As previously stated, the "Merchant Application and Agreement" signed by Complainant on April 16, 2013, states in the "Merchant Application and Agreement Acceptance" portion on page two, which Complainant also signed, "Merchant acknowledges having read and agreed to the terms and conditions of the online Merchant Agreement found at [redacted] If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by [redacted] Payments." At the time of signing the application and agreement, Merchant had to have known that [redacted] Payments was involved in the agreement as its name is referenced in all the documents signed and agreed to by Merchant. Also, as stated previously, Paragraph 4.04 of the Merchant Agreement sets forth the terms and conditions regarding termination and specifically states the fees and charges that will apply if the Agreement "is terminated before completion of the then-current term." Specifically, it states "The parties agree that if for any reason other than a material uncured breach by Cardience/[redacted] Payments, this Agreement is terminated before completion of the then-current term and without first giving Cardience/[redacted] Payments the right to match the terms of a written bona fide third party offer, Merchant shall be liable for de-conversion fees represented by multiplying Merchant's average monthly processing fees by the number of months remaining in term, plus Cardience/[redacted] Payments's costs and attorneys' fees. If, however, Cardience/[redacted] Payments fails to respond to such third party offer or is not willing to match it, then Merchant shall only be liable for de-conversion fees representing four hundred (400) dollars per location." Thus, contrary to the Complainant's statement, the fee to be charged to Complainant was specifically stated in the Merchant Agreement referenced in the Merchant Application and Agreement Acceptance that was signed and acknowledged by the Complainant. Finally, regarding Complainant's claim that Cardience/[redacted] Payments "had no business going into my account without authorization and taking money," Paragraph 5.16 of the Merchant Agreement states as follows: "5.16 Deposit Account. Merchant will at all times maintain an Account at a bank that is a member of the Federal Reserve ACH system and will provide Cardience/[redacted] Payments with proper authorization to debit the Account. All credits for collected funds and debits for fees, payments and Chargebacks and other amounts for which Merchant is liable under the terms of this Agreement will be made to the Account. Merchant may not close or change the Account without written notice to Cardience/[redacted] Payments. Merchant will be solely liable for all fees and costs associated with the Account and for all overdrafts. Merchant hereby grants to Cardience/[redacted] Payments a security interest in the Account to the extent of any and all fees, payments and Chargebacks and other amounts due which may arise under this Agreement, and Merchant will execute any document and obtain any consents or waivers from the bank at which the Account is maintained as requested by Cardience/[redacted] Payments to protect its security interests therein." In order for Cardience to have made the deduction to Merchant's bank account he would have had to have executed the documents referenced in the Merchant Agreement. Thus, Merchant agreed to and authorized such deductions. The cancellation fee was rightfully charged, Merchant was aware of the fee from the terms and conditions of the Agreement that he acknowledged, and by the terms of such Agreement, he authorized the deduction of the cancellation from his back account.
Do not go with this company. They will forge your signatures and claim that you signed a contract. In my situation, one of the things that I stressed to the sales rep is that I do not sign contracts, and she went ahead and forged a contract under my name. Now, they want to charge me a $395 cancellation fee because they are claiming that I signed this contract. I am seeking legal remedies agains the sales rep and the company. SO BEWARE AND DO NOT DO BUSINESS WITH THIS COMPANY.
Initial Business Response /* (1000, 5, 2014/11/20) */
Cardience has reviewed the Complaint. On November 20, 2014, a refund was issued to the Complainant in the total amount of $1849.32 and its account was closed on November 7, 2014. Please close this complaint as resolved.
Initial...
Consumer Rebuttal /* (3000, 7, 2014/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response from Cardience because they never contacted us as promised and we certainly did not receive a refund. Please provide proof of refund.
Final Business Response /* (4000, 9, 2014/12/02) */
Cardience initiated a transfer of funds through ACH on November 20, 2014. The total amount of the refund ($1849.32) was taken from its account and within 24 hours the funds would be settled directly in the Complainant's bank account. Proof of the refund will therefore be in the Complainant's bank statements, which are in Complainant's possession and control. As of today, Cardience has not received any communication and has no evidence that would indicate that the ACH was rejected by Complainant's bank. Complainant had requested in its complaint that Cardience cancel its account and refund its money, both of which have been done. Cardience requests that this Complaint be closed as resolved.
Initial Business Response /* (1000, 11, 2014/09/10) */
After reviewing [redacted] complaint, Cardience attempted to reach out to the customer on multiple occasions through our Account Services and Sales Departments. We attempted to reach the customer by phone five times, two times on 9/3;...
once on 9/4; and again two times on 9/5 with no success.
Because Cardience was never able to speak with the customer, we were unable to determine the validity of the complaint. However, as an accommodation to the customer, Cardience will refund the merchant the full asking amount of $481.42 in the coming weeks.
Business Response /* (1000, 15, 2014/04/21) */
Cardience records indicate that attempts were made to reach this customer on the phone numbers it provided 39 times between 9/12/13 and 1/10/14 and messages were either left on voicemail or voicemail was "full." Records also indicate that the...
account was closed on 1/13/14 due to non-response on the part of the customer. All of these actions were prior to the date of the filing of the complaint. On 3/6/14, customer was reimbursed $394.08 as an act of good faith only. Cardience requests that this case be redacted/removed as resolved prior to the date of the complaint. All supporting documents can be provided on request.
Consumer Response /* (2000, 17, 2014/04/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Business Response /* (1000, 15, 2014/04/21) */
Cardience records indicate that attempts were made to reach this customer on the phone numbers it provided 39 times between 9/12/13 and 1/10/14 and messages were either left on voicemail or voicemail was "full." Records also indicate that the account was closed on 1/13/14 due to non-response on the part of the customer. All of these actions were prior to the date of the filing of the complaint. On 3/6/14, customer was reimbursed $394.08 as an act of good faith only. Cardience requests that this case be redacted/removed as resolved prior to the date of the complaint. All supporting documents can be provided on request.
Consumer Response /* (2000, 17, 2014/04/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Business Response /* (1000, 15, 2014/04/21) */
Cardience records indicate that attempts were made to reach this customer on the phone numbers it provided 39 times between 9/12/13 and 1/10/14 and messages were either left on voicemail or voicemail was "full." Records also indicate that the account was closed on 1/13/14 due to non-response on the part of the customer. All of these actions were prior to the date of the filing of the complaint. On 3/6/14, customer was reimbursed $394.08 as an act of good faith only. Cardience requests that this case be redacted/removed as resolved prior to the date of the complaint. All supporting documents can be provided on request.
Consumer Response /* (2000, 17, 2014/04/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Consumer Response /* (2000, 14, 2014/03/17) */
Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-XX-XXX)
1 message
[redacted] Sun, Mar 16, 2014 at 10:44 AM
To: [redacted]@chicago.Revdex.com.org
Hello,
After receiving this email I contacted Cardience to...
cancel my account and pay the early cancellation charges. The next day they contacted me and apologized and told me that they terminated one of their salesman and reprimanded another and that they were not going to charge me for the early cancellation fee. I want to thank you Revdex.com for your help, [redacted] did the right thing but it shouldn't have taken so long and have to get Revdex.com involved because I still got charged for 3 months of service charges that could have been avoided.
Thank you,
[redacted]
Consumer Response /* (2000, 14, 2014/03/17) */
Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-XX-XXX)
1 message
[redacted] Sun, Mar 16, 2014 at 10:44 AM
To: [redacted]@chicago.Revdex.com.org
Hello,
After receiving this email I contacted Cardience to cancel my account and pay the early cancellation charges. The next day they contacted me and apologized and told me that they terminated one of their salesman and reprimanded another and that they were not going to charge me for the early cancellation fee. I want to thank you Revdex.com for your help, [redacted] did the right thing but it shouldn't have taken so long and have to get Revdex.com involved because I still got charged for 3 months of service charges that could have been avoided.
Thank you,
[redacted]
Initial Business Response / [redacted] (1000, 5, 2014/11/20) */ Cardience has reviewed the ComplaintOn November 20, 2014, a refund was issued to the Complainant in the total amount of $and its account was closed on November 7, Please close this complaint as resolved Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/11/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response from Cardience because they never contacted us as promised and we certainly did not receive a refundPlease provide proof of refund Final Business Response / [redacted] (4000, 9, 2014/12/02) */ Cardience initiated a transfer of funds through ACH on November 20, The total amount of the refund ($1849.32) was taken from its account and within hours the funds would be settled directly in the Complainant's bank accountProof of the refund will therefore be in the Complainant's bank statements, which are in Complainant's possession and controlAs of today, Cardience has not received any communication and has no evidence that would indicate that the ACH was rejected by Complainant's bankComplainant had requested in its complaint that Cardience cancel its account and refund its money, both of which have been doneCardience requests that this Complaint be closed as resolved
Business Response /* (1000, 15, 2014/04/21) */
Customer called Cardience on 1/2/14, 1/6/14, and 1/9/for technical support and rate changes, with all issues resolvedOn 1/10/14, Cardience spoke with customer again who claimed that she was promised that she would not have a contract (but
rather month-to-month billing), NDF, and monthly discountingShe was also upset about December feesCardience offered to refund the December fees and put her account on month-to-month billing, which she had originally stated that she wanted but Customer declinedShe also stated that she had not actually read her entire contract so she was unaware of what it saidOn 1/10/and again on 1/22/14, Cardience adjusted Customer's rates and on 1/29/Cardience cancelled customer's service at her requestAll of these actions were taken prior to the filing of Customer's complaint (on 2/4/14) and, therefore, Cardience requests that this case be redacted/removed as resolved prior to the date of the complaintAll supporting documents can be provided on request
Consumer Response /* (3000, 17, 2014/04/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well it is true the dates they are explaining, but is not true that they fixed the problem before I canceled the contract, what happened was I called regarding the deposits that they where making into my account, because they didn't match with my registers, and then they said they will fixed, later I called regarding the time they are taking, because they took to long to pay, but I was all ready upset , with this company, and is why I decide to cancel their services, but when I decide to cancel the surprise was that I have to pay the $that was in the online contract, that never be aware to read, so they never accept to put me in month to month contract,If that was the I never would bring a complain with the Revdex.com, they tell me that I have to pay and they took very long time in doing the investigation, All this was after I fill up the complain with you, and then they call me from the company *** and the person who call me was *** and said the they investigate with Ms*** and she tell them that I have to pay the fee, witch was not true, and then I said I would like tree line call because I need to talk with this lady, witch they said that they do the investigation all ready and I have to payso I told them that I going to close my store and I don't be going to be conducting business, and then they told me that the need a legal paper to close my account, I was closing the store and not the business, because probably in the future I will decide to open and other store; so I said, I need to return the equipment that you lend me , because I don't going to be here I am closing the store, they told me that they will send ups slip to send back the equipment, but I never got it, before all this I put a stop payment in my bank for them to not collect any money until all this issues being fixed, that was back in January, is why they return the December fees , but they try to collect the $by the Third week of February, but I called the bank because I all ready did an stop paymentso the return the money.not because they decide to close the account but, because I all ready I spoke with the bank before
So What I tried to said with this is that this company have doesn't have a true ways to do business and what they said is not true
I am glad that I don't have to pay the $any more, because they say thatWell it is what I think, according with themthey close my account
All supporting documents will be provided upon request, but I am sending you the bank statement where they tried to charged me $ON Feb
Thank you
Business Response /* (1000, 15, 2014/04/21) */
Customer called Cardience on 1/2/14, 1/6/14, and 1/9/for technical support and rate changes, with all issues resolvedOn 1/10/14, Cardience spoke with customer again who claimed that she was promised that she would not have a contract (but rather month-to-month billing), NDF, and monthly discountingShe was also upset about December feesCardience offered to refund the December fees and put her account on month-to-month billing, which she had originally stated that she wanted but Customer declinedShe also stated that she had not actually read her entire contract so she was unaware of what it saidOn 1/10/and again on 1/22/14, Cardience adjusted Customer's rates and on 1/29/Cardience cancelled customer's service at her requestAll of these actions were taken prior to the filing of Customer's complaint (on 2/4/14) and, therefore, Cardience requests that this case be redacted/removed as resolved prior to the date of the complaintAll supporting documents can be provided on request
Consumer Response /* (3000, 17, 2014/04/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well it is true the dates they are explaining, but is not true that they fixed the problem before I canceled the contract, what happened was I called regarding the deposits that they where making into my account, because they didn't match with my registers, and then they said they will fixed, later I called regarding the time they are taking, because they took to long to pay, but I was all ready upset , with this company, and is why I decide to cancel their services, but when I decide to cancel the surprise was that I have to pay the $that was in the online contract, that never be aware to read, so they never accept to put me in month to month contract,If that was the I never would bring a complain with the Revdex.com, they tell me that I have to pay and they took very long time in doing the investigation, All this was after I fill up the complain with you, and then they call me from the company *** and the person who call me was *** and said the they investigate with Ms*** and she tell them that I have to pay the fee, witch was not true, and then I said I would like tree line call because I need to talk with this lady, witch they said that they do the investigation all ready and I have to payso I told them that I going to close my store and I don't be going to be conducting business, and then they told me that the need a legal paper to close my account, I was closing the store and not the business, because probably in the future I will decide to open and other store; so I said, I need to return the equipment that you lend me , because I don't going to be here I am closing the store, they told me that they will send ups slip to send back the equipment, but I never got it, before all this I put a stop payment in my bank for them to not collect any money until all this issues being fixed, that was back in January, is why they return the December fees , but they try to collect the $by the Third week of February, but I called the bank because I all ready did an stop paymentso the return the money.not because they decide to close the account but, because I all ready I spoke with the bank before
So What I tried to said with this is that this company have doesn't have a true ways to do business and what they said is not true
I am glad that I don't have to pay the $any more, because they say thatWell it is what I think, according with themthey close my account
All supporting documents will be provided upon request, but I am sending you the bank statement where they tried to charged me $ON Feb
Thank you
Initial Business Response /* (1000, 13, 2014/11/11) */
Cardience has investigated the claims made by the ComplainantThis review confirms that the contract signed by the Complainant charged the correct rate of Cost Plus 0.5%It also shows that the monthly minimum, which is listed at $
in the Merchant Agreement, was lowered to $by the sales partnerCardience has no records that Complainant was promised a flat fee of $8/month or that any early termination fee would be waivedIn order to resolve this matter amicably, however, Cardience will waive the early termination feeIt has not been paid by the Complainant and, therefore, no refund is requiredCardience will remove it from any bill and not attempt to collect it
Initial Consumer Rebuttal /* (3000, 15, 2014/11/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have sent them the original contract that I signed and it does show only $8/month flat plus 0.5% rate and that I could cancel any time it was never mentioned that there was any fee for early terminationevery month I called them to times for them to refund me the fees they been taking from me they promised but never deliveredI have the statement of all the fees for month that's not supposed to be therei could name few .*** $statement fee $ *** npf $*** processing fee , *** network fee , web reports fee, *** *** club fee and so much moreThat's ripping the peopleI want them to send me a check with all the fees that were taking from me like they promised me over the phone
Final Business Response /* (4000, 17, 2014/11/19) */
Contrary to Complainant's statement, the Merchant Application and Agreement referenced by the Complainant reflects various fees, not just the those he referencesOn page of the document there is listed the "Statement Fee-Monthly" of $plus a "batch fee" of $There is also listed a "transaction Fee" of $for *** *** and *** *** Cards, a *** *** of .5%, a *** (Online) Debit" of $.22, a "Chargeback Fee" of $25, and a "Retrieval Fee" of $Page of the document references *** fee" of $per *** for *** and *** and states that there are "Additional *** terms set out in the online Merchant Agreement." The "Merchant Application and Agreement Acceptance" portion on page two, which Complainant signed, states "Merchant acknowledges having read and agreed to the terms and conditions of the online Merchant Agreement found at *** If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by *** Payments, and having read and agreed to same." In that Agreement, paragraph sets out the fees and charges, in addition to those mentioned above, that are applicable to the accountAdditionally, paragraph sets forth the terms and conditions regarding termination and specifically states the fees and charges that will apply if "this Agreement is terminated before completion of the then-current term." The Fees charged to Complainant were specifically stated in the Agreement, they were as per the Agreement that he signed and acknowledged, and they were legitimately charged and collectedThe early termination fee was also as per the Agreement that was signed and acknowledgedNevertheless, as stated in a prior response, as an accommodation to Complainant and in a good-faith effort to resolve this matter, Cardience has waived the early termination fee and will not seek to collect it from the ComplainantWith this accommodation to the Complainant, Cardience believes that this matter should be closed
Consumer Response /* (2001, 23, 2015/01/08) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:
RevDex.com:
I have reviewed the response made by the business in reference to complaint ID 10977598, and find that this resolution is satisfactory to me.
While the end result was what we asked in the beginning it took an incredible amount of wasted time to get to this result. Two months is an unreasonable length of time to resolve an issue. At no point was the deceptive sales rep held accountable for his actions and this business still signs up new clients based on lies to this day. Yes, we were refunded what was promised us and also NOT charged the $termination fees that were threatened with repeatedly. But, this simple slap on the wrist will not prevent this fiasco being repeated with another small businessLesson learnedWe will NEVER do business with them again.
Thank you Revdex.com for getting past their "What are you going to do about it?" attitude and facilitating this end result!
Sincerely,
Bonnie ***
Initial Business Response /* (1000, 5, 2015/02/06) */
The "Merchant Application and Agreement" signed by Complainant on April 16, 2013, states in the "Merchant Application and Agreement Acceptance" portion on page two, which Complainant also signed, "Merchant acknowledges having read and...
agreed to the terms and conditions of the online Merchant Agreement found at [redacted] If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by [redacted] Payments." Paragraph 4.04 of the Merchant Agreement sets forth the terms and conditions regarding termination and specifically states the fees and charges that will apply if the Agreement "is terminated before completion of the then-current term." Thus, contrary to the Complainant's statement, the fee to be charged to Complainant was specifically stated in the Merchant Agreement referenced in the Merchant Application and Agreement Acceptance that was signed and acknowledged by the Complainant.
Initial Consumer Rebuttal /* (3000, 7, 2015/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, I will start off by stating that while the complaint is still open at the Revdex.com, Cardience removed, not a $300 cancellation fee as they originally stated, but a $395 cancellation fee from my bank account. It seems the company arbitrarily decided to up their ridiculous fee and go into my account while we are still in dispute. Additionally, they removed the money under the name [redacted], which we have nothing to do with since we signed the contract with Cardience. These cowardly and dishonorable actions show the type of company Cardience is, full of lies and scams to cheat small businesses out of their hard earned money. Cardience, no, [redacted] had no business going into my account without my authorization and taking money, which is, essentially, theft. I'll also add that Cardience is basically just another name for the company [redacted] Payments, something I just found out. Looking further into it, I found that [redacted] Payments had more than a hundred complaints at the Revdex.com, which is probably why it goes by Cardience and many other names to rip off other businesses. Second, let me state that I signed this agreement trusting the sales agent's word that there would be no cancellation fee. Also, nowhere in the contract I signed, does it explicitly state that there is a $395 cancellation fee. As Cardience is deeming my word untrustworthy, claiming they can't verify my claims or the sales agent's claims, I cannot trust their online terms. According to them, these terms posted online were part of my contract, even though a copy of these terms were never present when the contract was signed. I found these online terms can be changed at anytime, whenever the company deems it useful. There is no way that a contract that can be constantly changed by one party be found useful or reliable. I've been unhappy with Cardience's services for a very long time. I have made multiple calls to find out about all the extra fees they added to my account, and when my questions were not satisfactorily answered, I decided to cancel service. This was not an arbitrary decision, as Cardience is costing me hundreds of dollars in fees. Now that I'm trying to leave this company, they are suddenly coming up with these fees, claiming first that a $300 fee was owed, and then a week later taking $395 from my bank account. Cardience's dishonest actions have to be made right. Their online terms should not be considered valid, taking into account that they can be changed to suit the company's purposes. Therefore, I do not accept this cancellation fee and demand that Cardience/[redacted] return my $395.
Final Business Response /* (4000, 9, 2015/02/17) */
As previously stated, the "Merchant Application and Agreement" signed by Complainant on April 16, 2013, states in the "Merchant Application and Agreement Acceptance" portion on page two, which Complainant also signed, "Merchant acknowledges having read and agreed to the terms and conditions of the online Merchant Agreement found at [redacted] If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by [redacted] Payments." At the time of signing the application and agreement, Merchant had to have known that [redacted] Payments was involved in the agreement as its name is referenced in all the documents signed and agreed to by Merchant. Also, as stated previously, Paragraph 4.04 of the Merchant Agreement sets forth the terms and conditions regarding termination and specifically states the fees and charges that will apply if the Agreement "is terminated before completion of the then-current term." Specifically, it states "The parties agree that if for any reason other than a material uncured breach by Cardience/[redacted] Payments, this Agreement is terminated before completion of the then-current term and without first giving Cardience/[redacted] Payments the right to match the terms of a written bona fide third party offer, Merchant shall be liable for de-conversion fees represented by multiplying Merchant's average monthly processing fees by the number of months remaining in term, plus Cardience/[redacted] Payments's costs and attorneys' fees. If, however, Cardience/[redacted] Payments fails to respond to such third party offer or is not willing to match it, then Merchant shall only be liable for de-conversion fees representing four hundred (400) dollars per location." Thus, contrary to the Complainant's statement, the fee to be charged to Complainant was specifically stated in the Merchant Agreement referenced in the Merchant Application and Agreement Acceptance that was signed and acknowledged by the Complainant. Finally, regarding Complainant's claim that Cardience/[redacted] Payments "had no business going into my account without authorization and taking money," Paragraph 5.16 of the Merchant Agreement states as follows: "5.16 Deposit Account. Merchant will at all times maintain an Account at a bank that is a member of the Federal Reserve ACH system and will provide Cardience/[redacted] Payments with proper authorization to debit the Account. All credits for collected funds and debits for fees, payments and Chargebacks and other amounts for which Merchant is liable under the terms of this Agreement will be made to the Account. Merchant may not close or change the Account without written notice to Cardience/[redacted] Payments. Merchant will be solely liable for all fees and costs associated with the Account and for all overdrafts. Merchant hereby grants to Cardience/[redacted] Payments a security interest in the Account to the extent of any and all fees, payments and Chargebacks and other amounts due which may arise under this Agreement, and Merchant will execute any document and obtain any consents or waivers from the bank at which the Account is maintained as requested by Cardience/[redacted] Payments to protect its security interests therein." In order for Cardience to have made the deduction to Merchant's bank account he would have had to have executed the documents referenced in the Merchant Agreement. Thus, Merchant agreed to and authorized such deductions. The cancellation fee was rightfully charged, Merchant was aware of the fee from the terms and conditions of the Agreement that he acknowledged, and by the terms of such Agreement, he authorized the deduction of the cancellation from his back account.
Do not go with this company. They will forge your signatures and claim that you signed a contract. In my situation, one of the things that I stressed to the sales rep is that I do not sign contracts, and she went ahead and forged a contract under my name. Now, they want to charge me a $395 cancellation fee because they are claiming that I signed this contract. I am seeking legal remedies agains the sales rep and the company. SO BEWARE AND DO NOT DO BUSINESS WITH THIS COMPANY.
Initial Business Response /* (1000, 5, 2014/11/20) */
Cardience has reviewed the Complaint. On November 20, 2014, a refund was issued to the Complainant in the total amount of $1849.32 and its account was closed on November 7, 2014. Please close this complaint as resolved.
Initial...
Consumer Rebuttal /* (3000, 7, 2014/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response from Cardience because they never contacted us as promised and we certainly did not receive a refund. Please provide proof of refund.
Final Business Response /* (4000, 9, 2014/12/02) */
Cardience initiated a transfer of funds through ACH on November 20, 2014. The total amount of the refund ($1849.32) was taken from its account and within 24 hours the funds would be settled directly in the Complainant's bank account. Proof of the refund will therefore be in the Complainant's bank statements, which are in Complainant's possession and control. As of today, Cardience has not received any communication and has no evidence that would indicate that the ACH was rejected by Complainant's bank. Complainant had requested in its complaint that Cardience cancel its account and refund its money, both of which have been done. Cardience requests that this Complaint be closed as resolved.
Initial Business Response /* (1000, 11, 2014/09/10) */
After reviewing [redacted] complaint, Cardience attempted to reach out to the customer on multiple occasions through our Account Services and Sales Departments. We attempted to reach the customer by phone five times, two times on 9/3;...
once on 9/4; and again two times on 9/5 with no success.
Because Cardience was never able to speak with the customer, we were unable to determine the validity of the complaint. However, as an accommodation to the customer, Cardience will refund the merchant the full asking amount of $481.42 in the coming weeks.
Business Response /* (1000, 15, 2014/04/21) */
Cardience records indicate that attempts were made to reach this customer on the phone numbers it provided 39 times between 9/12/13 and 1/10/14 and messages were either left on voicemail or voicemail was "full." Records also indicate that the...
account was closed on 1/13/14 due to non-response on the part of the customer. All of these actions were prior to the date of the filing of the complaint. On 3/6/14, customer was reimbursed $394.08 as an act of good faith only. Cardience requests that this case be redacted/removed as resolved prior to the date of the complaint. All supporting documents can be provided on request.
Consumer Response /* (2000, 17, 2014/04/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Business Response /* (1000, 15, 2014/04/21) */
Cardience records indicate that attempts were made to reach this customer on the phone numbers it provided 39 times between 9/12/13 and 1/10/14 and messages were either left on voicemail or voicemail was "full." Records also indicate that the account was closed on 1/13/14 due to non-response on the part of the customer. All of these actions were prior to the date of the filing of the complaint. On 3/6/14, customer was reimbursed $394.08 as an act of good faith only. Cardience requests that this case be redacted/removed as resolved prior to the date of the complaint. All supporting documents can be provided on request.
Consumer Response /* (2000, 17, 2014/04/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Business Response /* (1000, 15, 2014/04/21) */
Cardience records indicate that attempts were made to reach this customer on the phone numbers it provided 39 times between 9/12/13 and 1/10/14 and messages were either left on voicemail or voicemail was "full." Records also indicate that the account was closed on 1/13/14 due to non-response on the part of the customer. All of these actions were prior to the date of the filing of the complaint. On 3/6/14, customer was reimbursed $394.08 as an act of good faith only. Cardience requests that this case be redacted/removed as resolved prior to the date of the complaint. All supporting documents can be provided on request.
Consumer Response /* (2000, 17, 2014/04/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Consumer Response /* (2000, 14, 2014/03/17) */
Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-XX-XXX)
1 message
[redacted] Sun, Mar 16, 2014 at 10:44 AM
To: [redacted]@chicago.Revdex.com.org
Hello,
After receiving this email I contacted Cardience to...
cancel my account and pay the early cancellation charges. The next day they contacted me and apologized and told me that they terminated one of their salesman and reprimanded another and that they were not going to charge me for the early cancellation fee. I want to thank you Revdex.com for your help, [redacted] did the right thing but it shouldn't have taken so long and have to get Revdex.com involved because I still got charged for 3 months of service charges that could have been avoided.
Thank you,
[redacted]
Consumer Response /* (2000, 14, 2014/03/17) */
Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-XX-XXX)
1 message
[redacted] Sun, Mar 16, 2014 at 10:44 AM
To: [redacted]@chicago.Revdex.com.org
Hello,
After receiving this email I contacted Cardience to cancel my account and pay the early cancellation charges. The next day they contacted me and apologized and told me that they terminated one of their salesman and reprimanded another and that they were not going to charge me for the early cancellation fee. I want to thank you Revdex.com for your help, [redacted] did the right thing but it shouldn't have taken so long and have to get Revdex.com involved because I still got charged for 3 months of service charges that could have been avoided.
Thank you,
[redacted]