Credico (USA), LLC

Initial Business Response / [redacted] (1000, 8, 2015/01/26) */ At the request of the merchant, this account is scheduled to be closed at the end of JanuaryThe early termination fee has been waived

Initial Business Response / [redacted] (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 DepartmentsWe attempted to reach the customer by phone five times, two times on 9/3; once on 9/4; and again two times on 9/with no success Because Cardience was never able to speak with the customer, we were unable to determine the validity of the complaintHowever, as an accommodation to the customer, Cardience will refund the merchant the full asking amount of $in the coming weeks

Consumer Response / [redacted] (2000, 14, 2014/03/17) */ Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-XX-XXX) message [redacted] Sun, Mar 16, at 10:AM To: [redacted] @chicago.Revdex.com.org Hello, After receiving this email I contacted Cardience to cancel my account and pay the early cancellation chargesThe 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 feeI 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 months of service charges that could have been avoided Thank you, [redacted] Consumer Response / [redacted] (2000, 14, 2014/03/17) */ Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-XX-XXX) message [redacted] Sun, Mar 16, at 10:AM To: [redacted] @chicago.Revdex.com.org Hello, After receiving this email I contacted Cardience to cancel my account and pay the early cancellation chargesThe 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 feeI 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 months of service charges that could have been avoided Thank you, [redacted]

Credico (USA) LLC d/b/a Cardience is looking into this matter Cardience is a sales service to Pivotal Payments, the actual Credit Card Processing service provider Cardience will review the file with Pivotal Payments and provide a response

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:

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 *** If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by *** Payments." Paragraph 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 $cancellation fee as they originally stated, but a $cancellation fee from my bank accountIt seems the company arbitrarily decided to up their ridiculous fee and go into my account while we are still in disputeAdditionally, they removed the money under the name ***, which we have nothing to do with since we signed the contract with CardienceThese 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 moneyCardience, no, *** had no business going into my account without my authorization and taking money, which is, essentially, theftI'll also add that Cardience is basically just another name for the company *** Payments, something I just found outLooking further into it, I found that *** 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 businessesSecond, let me state that I signed this agreement trusting the sales agent's word that there would be no cancellation feeAlso, nowhere in the contract I signed, does it explicitly state that there is a $cancellation feeAs Cardience is deeming my word untrustworthy, claiming they can't verify my claims or the sales agent's claims, I cannot trust their online termsAccording 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 signedI found these online terms can be changed at anytime, whenever the company deems it usefulThere is no way that a contract that can be constantly changed by one party be found useful or reliableI've been unhappy with Cardience's services for a very long timeI 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 serviceThis was not an arbitrary decision, as Cardience is costing me hundreds of dollars in feesNow that I'm trying to leave this company, they are suddenly coming up with these fees, claiming first that a $fee was owed, and then a week later taking $from my bank accountCardience's dishonest actions have to be made rightTheir online terms should not be considered valid, taking into account that they can be changed to suit the company's purposesTherefore, I do not accept this cancellation fee and demand that Cardience/*** return my $
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 *** If Merchant was unable to access such online agreement, Merchant acknowledges having been provided a copy by *** Payments." At the time of signing the application and agreement, Merchant had to have known that *** Payments was involved in the agreement as its name is referenced in all the documents signed and agreed to by MerchantAlso, as stated previously, Paragraph 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/*** Payments, this Agreement is terminated before completion of the then-current term and without first giving Cardience/*** 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/*** Payments's costs and attorneys' feesIf, however, Cardience/*** 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 ComplainantFinally, regarding Complainant's claim that Cardience/*** Payments "had no business going into my account without authorization and taking money," Paragraph of the Merchant Agreement states as follows: "Deposit AccountMerchant will at all times maintain an Account at a bank that is a member of the Federal Reserve ACH system and will provide Cardience/*** Payments with proper authorization to debit the AccountAll 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 AccountMerchant may not close or change the Account without written notice to Cardience/*** PaymentsMerchant will be solely liable for all fees and costs associated with the Account and for all overdraftsMerchant hereby grants to Cardience/*** 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/*** 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 AgreementThus, Merchant agreed to and authorized such deductionsThe 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

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, 8, 2015/01/26) */
At the request of the merchant, this account is scheduled to be closed at the end of January. The early termination fee has been waived.

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 $395.00 termination fees that were threatened with repeatedly.  But, this simple slap on the wrist will not prevent this fiasco being repeated with another small business.Lesson learned. We 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 [redacted]