As of 02/the aggregate rate for the account is 17.37% which is about 8.37% higher than normally allowed for an [redacted] account [redacted] is out of the office but there are other client service representatives available for support should an issue arise
Revdex.com:I have reviewed the response made by the business in reference to complaint ID 11415739, and find that this resolution is satisfactory to meSincerely, [redacted]
Initial Business Response / [redacted] (1000, 4, 2015/10/12) */ The consumer filing this complaint is not the owner/officer provided on the paperworkWe cannot release information on the merchant account in question to anyone other than the signer of the agreementEPS is asking the Denver Revdex.com to withdraw this complaint
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11031105, and find that this resolution is satisfactory to me Although had I not continued to pursue this matter by taking a lot of time, effort, phone calls, Revdex.com complaints, and on-going persistence over the past several months in getting this resolved over a couple hundred dollars by which this company used deceptive practices (with their sales department) in my opinion, this whole situation would still be unresolvedI was ready with an attorney to go after this company should all else failTo anyone that gets a sales pitch from Electronic Payment Systems, LLC, be very careful about switching over to them with all of their promises Sincerely, [redacted] ***
On 12/27/the merchant called in and was advised that a refund request would be submitted although the fee charged was for the processing year, and the account was active in 2017- the fee does applyThe refund is in for approval/review and we feel days is a suitable time frame for review and a check to be submitted if approved
The merchant did sign for [redacted] services in March Since that date the merchant has Cleared check, invalid checks and several checks that were entered into the check system incorrectly or with incorrect dataThe merchant is at a 15% return check rateThe agreement can be found on our website, and the original agreement the merchant signed was emailed after signingThese terms are under the EZ Payment Plan Articles Terms and Conditions section 1- If the merchant can provide our office with documentation on specific checks she feels she was not paid on, we can review their statusThis information can also be found on her back end reporting system, which she has full access to review
The merchant did sign up for check processing services in Feb The length of the agreement was a year term, and no cancellation fee, however if the merchant decided to cancel services before the year term, he must pay any monthly fees as agreed upon in the agreementThe merchant did request to cancel services and it was cancelled, the merchant owes $for the remainder of the agreement termsIn the time of processing with EPS, he ran large amounts of checks that did not clear and rejected paymentEPS placed a reserve on the account per the agreementThe merchant was sent a notification on October 18th that in December the funds will be releasedThis will be on or about the 15th of the month
Stating that the Contract is Fraud, is quite a large claimIf the agreement is fraud, why did the merchant process several transactions through EPS? The EPS agreement speaks for itselfAll areas are outlined in the agreementI am not sure if Mr [redacted] is still working for the office you signed with in Arizona, as he is not a part of the corporate office in DenverYou can refer to section in regards to payments for transactionsLooking through the history of the transactions you processed through EPS, it looks like they were Flagged by the card associations, and it is then Mandatory that any flagged transactions be placed on a hold status until the merchant can provide proper documentation and invoices for the services provided, and EPS is given the authorization to release these fundsI Do believe that Mr [redacted] is still a bit confused as to the agreement signedEPS is NOT the leasing companyHe continues to speak of a year agreement that is now non-cancellableThis is not the agreement for EPSThis seems to be about the agreement with the leasing company which he clearly points out is Northern LeasingAny complaints and concerns about Northern Leasing needs to be filed through that specific company and not EPS, as EPS is not a part of the lease agreementEPS has received the cancellation letter on 11/03/to cancel services at the end of the agreement term of 08/Again, the merchant can review section of the EPS agreement for the terms and conditions he signed for cancellation of the EPS processing services
The only notice of Cancellation was in as previously stated.The merchant states in the last response that we have noted in the file about cancellation in This statement is incorrect, as the merchants first notice to cancel service was December There has been no or misleading information provided, as the agreement signed by the merchant speaks for itself
Initial Business Response / [redacted] (1000, 6, 2015/07/29) */ EPS has been unable to find a merchant account associated with any information the consumer has providedEPS is requesting a business name, email address, and Merchant ID number to complete review
Complaint: [redacted] I am rejecting this response because:We paid all fees due to EPS for December by personal check, we had them cut off from our bank account becausethey insisted on taking fees that had already been paid for and never received any word from them as to why they kept trying to takefunds they had been previously paid for They had cashed the checks before trying to take the unnecessary funds It cost us additionalfunds to get them removed from our account, this was the only way to get them to stop, as they are not an honest companyWe would like a written and verbal apology from them And theu reason for saying we "stopped payments" to them Everything owed them was paid Sincerely, [redacted]
The merchant contacted our customer service after placing the complaintThe merchant did see some delay in deposits due to system maintenanceThe merchant was paid in full on all approved checks
Initial Business Response / [redacted] (1000, 4, 2015/11/11) */ The merchant was approved for services, after an in depth review of the transactions, the processing bank declined services due to the high risk of the account, as title loans are known as predatory lending due to high interest ratesAlthough the merchant was cancelled with our bank, the lease was a separate agreement signed, the equipment can be used with any other processor for services
Initial Business Response / [redacted] (1000, 8, 2015/10/13) */ The merchant signed an agreement in march for the processing servicesone of the fees is the annual processing feeThis fee is deducted at each yearsince the merchant was active until May 2015, the annual fee is chargedThis fee is not refundable and cannot be pro-rated Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/10/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for respiondingI was given two sets of different information last year and this yearWhen I cancelled in March of 2014, I was told that I would be billed for an additional month and cancelled in April I then received an update when billed again in 2015, being told that I was erroneously billed and would receive a refund with a monthThree months went by, I called again and was this time, given adifferent response stating that I would not be refunded due to having an account into I do not agree with th company, nor their customer service representatives, who have given different informationMy initial contact, [redacted] is not longer with the companyI look forward to your decisionThank you for your time and assistanceSincerely, [redacted] Final Business Response / [redacted] (4000, 15, 2015/11/11) */ Can the merchant provide proof of cancellation in to our office? This would need to be a response to a cancellation email, response to receipt of a fax from one of our internal reps, or certified signature of a letter being received by our office? Final Consumer Response / [redacted] (4200, 17, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have only the response indicated in my attachments, as I called the company when I was erroneously charged and was told that I would be refundedThis was all via phone conversationApparently, due to change in staffing, the promise of a refund will not be honoredI disagree with the company's position, but did not request proof in writing at the time
Complaint: [redacted] I am rejecting this response because: They have it on file and noted I asked to cancel in which they have noted in there files misleading information, they piggybacked off another company credit card processor which I believe is illegal but what else would you expect out of scammers Sincerely, [redacted]
The merchant notified EPS as well as stating in this complaint that she has disputed the charges at her bankIn doing this the bank is disputing these charges
Initial Business Response / [redacted] (1000, 4, 2015/05/21) */ Mr [redacted] signed an EPS merchant processing agreement through an outside sales representative on September To validate the agreement, the merchant provided a copy of a voided check for deposits and withdraws for the services as well as a copy of the drivers licenseOn October 30th (over a month after signing the agreement) the merchant contacted our corporate offices and requested to be placed on a seasonal status for months until he gets the business going, meaning that there would be no monthly billing fees for the processing services at the time of seasonal statusAs a customer courtesy The account was placed on seasonal status and reactivated in Feb On March 3rd, the merchant contacted our office again questioning the billing, the representative reviewed the agreement and the seasonal status requestThe merchant said he would call us back on March 5th the merchant called asking about amex fees and terminal questions, again he would call us back, on March 10th the merchant called to cancel services- the merchant was advised of the cancellation policy and the agreement signed in The merchant advised he would call back to speak to the managerThe next call was september 18th to cancel services and wanted a refund for all monthly billing merchant was again advised of the agreement and cancellation procedureEPS did finally receive a cancellation letter 09/25/and the contract is dated to end 09/The merchant called in on 05/04/to review these terms again with our management team Initial Consumer Rebuttal / [redacted] (3000, 6, 2015/05/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) EPS gave us no explanation of recurring charges if we cancelledAnd they are still unclear regarding what will happen when th contract is dated to end in September Final Business Response / [redacted] (4000, 8, 2015/06/08) */ When the merchant called in, they were advised the terms of the agreement signedThis includes the cancellation policy and procedureThe merchant also signed agreeing to, accepting, and understanding these terms when signing the agreementThe Revdex.com also states the EPS cancellation policy and procedure under our review with the Revdex.comThe contract will end in September 2015, at this time the agreement will be complete and no further monthly billings will take place
After the wire to the merchants account we show no phone calls until the merchant was charged the PCI fee of We are happy to reimburse you to fee charged But we are unable to pay the fee for your new checks and a bank processing fee (?)
Complaint: [redacted] I am rejecting this response because:Actually: We originally requested ACH only for both of our accounts we opened and they instead opened a CC account through some other Authorize.net merchant and charged us a ton of fee's for doing so as well as charged us a bunch of fee's the entire time for processing the ACH transactions. We were originally told only .10 per transaction and $10.00 monthly by their "National Sales Director", multiple times. We sign the paperwork while the national sales director was on the phone as we were being hurried, then he disappears and we cannot get in touch with him. After some research, we were able to locate his mobile phone number and place calls to that and we were able to get a hold of him. Since he didn't know who was calling, he answered a couple times, but hung up on us. This "national sales director" goes by the name of [redacted] . After fighting to get a hold of this company for months, we finally spoke with a guy named [redacted] , who tells us that [redacted] was not up to date on the prices and they used to have that option a long time ago (which sounds like a bunch of BS). Anyway, [redacted] was kind and assisted us cancelling one of our accounts and providing us the option to cancel another at no penalty in the future (which we recently exercised). We cancelled the Million Management account on 07/01/2016. Now, 4 months later, we are receiving ACH charges from EPS, EPS90, and ELECTCHECK (all from this company) to our bank accounts. Last week we called Electronic Payment Systems and were told they processed a refund and they were sorry that this automatically was withdrawn for all of their customers and they have no system in place to stop it. We waited a week, still no reversal. We contacted our bank (Bank of America) to put a block on all 3 of those transaction names for future and we filled out paperwork and submitted it to [redacted] ***. Since then, we have seen the reversals take place but have no idea if we're going to continue to get charged on either of our accounts. Sincerely, [redacted]
As of 02/the aggregate rate for the account is 17.37% which is about 8.37% higher than normally allowed for an [redacted] account [redacted] is out of the office but there are other client service representatives available for support should an issue arise
Revdex.com:I have reviewed the response made by the business in reference to complaint ID 11415739, and find that this resolution is satisfactory to meSincerely, [redacted]
Initial Business Response / [redacted] (1000, 4, 2015/10/12) */ The consumer filing this complaint is not the owner/officer provided on the paperworkWe cannot release information on the merchant account in question to anyone other than the signer of the agreementEPS is asking the Denver Revdex.com to withdraw this complaint
The merchant did call in to our client service with this issueThe merchant was immediately refunded the fee of on 04/27/
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11031105, and find that this resolution is satisfactory to me Although had I not continued to pursue this matter by taking a lot of time, effort, phone calls, Revdex.com complaints, and on-going persistence over the past several months in getting this resolved over a couple hundred dollars by which this company used deceptive practices (with their sales department) in my opinion, this whole situation would still be unresolvedI was ready with an attorney to go after this company should all else failTo anyone that gets a sales pitch from Electronic Payment Systems, LLC, be very careful about switching over to them with all of their promises Sincerely, [redacted] ***
On 12/27/the merchant called in and was advised that a refund request would be submitted although the fee charged was for the processing year, and the account was active in 2017- the fee does applyThe refund is in for approval/review and we feel days is a suitable time frame for review and a check to be submitted if approved
The merchant did sign for [redacted] services in March Since that date the merchant has Cleared check, invalid checks and several checks that were entered into the check system incorrectly or with incorrect dataThe merchant is at a 15% return check rateThe agreement can be found on our website, and the original agreement the merchant signed was emailed after signingThese terms are under the EZ Payment Plan Articles Terms and Conditions section 1- If the merchant can provide our office with documentation on specific checks she feels she was not paid on, we can review their statusThis information can also be found on her back end reporting system, which she has full access to review
The merchant did sign up for check processing services in Feb The length of the agreement was a year term, and no cancellation fee, however if the merchant decided to cancel services before the year term, he must pay any monthly fees as agreed upon in the agreementThe merchant did request to cancel services and it was cancelled, the merchant owes $for the remainder of the agreement termsIn the time of processing with EPS, he ran large amounts of checks that did not clear and rejected paymentEPS placed a reserve on the account per the agreementThe merchant was sent a notification on October 18th that in December the funds will be releasedThis will be on or about the 15th of the month
Stating that the Contract is Fraud, is quite a large claimIf the agreement is fraud, why did the merchant process several transactions through EPS? The EPS agreement speaks for itselfAll areas are outlined in the agreementI am not sure if Mr [redacted] is still working for the office you signed with in Arizona, as he is not a part of the corporate office in DenverYou can refer to section in regards to payments for transactionsLooking through the history of the transactions you processed through EPS, it looks like they were Flagged by the card associations, and it is then Mandatory that any flagged transactions be placed on a hold status until the merchant can provide proper documentation and invoices for the services provided, and EPS is given the authorization to release these fundsI Do believe that Mr [redacted] is still a bit confused as to the agreement signedEPS is NOT the leasing companyHe continues to speak of a year agreement that is now non-cancellableThis is not the agreement for EPSThis seems to be about the agreement with the leasing company which he clearly points out is Northern LeasingAny complaints and concerns about Northern Leasing needs to be filed through that specific company and not EPS, as EPS is not a part of the lease agreementEPS has received the cancellation letter on 11/03/to cancel services at the end of the agreement term of 08/Again, the merchant can review section of the EPS agreement for the terms and conditions he signed for cancellation of the EPS processing services
The only notice of Cancellation was in as previously stated.The merchant states in the last response that we have noted in the file about cancellation in This statement is incorrect, as the merchants first notice to cancel service was December There has been no or misleading information provided, as the agreement signed by the merchant speaks for itself
Initial Business Response / [redacted] (1000, 6, 2015/07/29) */ EPS has been unable to find a merchant account associated with any information the consumer has providedEPS is requesting a business name, email address, and Merchant ID number to complete review
Complaint: [redacted] I am rejecting this response because:We paid all fees due to EPS for December by personal check, we had them cut off from our bank account becausethey insisted on taking fees that had already been paid for and never received any word from them as to why they kept trying to takefunds they had been previously paid for They had cashed the checks before trying to take the unnecessary funds It cost us additionalfunds to get them removed from our account, this was the only way to get them to stop, as they are not an honest companyWe would like a written and verbal apology from them And theu reason for saying we "stopped payments" to them Everything owed them was paid Sincerely, [redacted]
The merchant contacted our customer service after placing the complaintThe merchant did see some delay in deposits due to system maintenanceThe merchant was paid in full on all approved checks
Initial Business Response / [redacted] (1000, 4, 2015/11/11) */ The merchant was approved for services, after an in depth review of the transactions, the processing bank declined services due to the high risk of the account, as title loans are known as predatory lending due to high interest ratesAlthough the merchant was cancelled with our bank, the lease was a separate agreement signed, the equipment can be used with any other processor for services
Initial Business Response / [redacted] (1000, 8, 2015/10/13) */ The merchant signed an agreement in march for the processing servicesone of the fees is the annual processing feeThis fee is deducted at each yearsince the merchant was active until May 2015, the annual fee is chargedThis fee is not refundable and cannot be pro-rated Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/10/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for respiondingI was given two sets of different information last year and this yearWhen I cancelled in March of 2014, I was told that I would be billed for an additional month and cancelled in April I then received an update when billed again in 2015, being told that I was erroneously billed and would receive a refund with a monthThree months went by, I called again and was this time, given adifferent response stating that I would not be refunded due to having an account into I do not agree with th company, nor their customer service representatives, who have given different informationMy initial contact, [redacted] is not longer with the companyI look forward to your decisionThank you for your time and assistanceSincerely, [redacted] Final Business Response / [redacted] (4000, 15, 2015/11/11) */ Can the merchant provide proof of cancellation in to our office? This would need to be a response to a cancellation email, response to receipt of a fax from one of our internal reps, or certified signature of a letter being received by our office? Final Consumer Response / [redacted] (4200, 17, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have only the response indicated in my attachments, as I called the company when I was erroneously charged and was told that I would be refundedThis was all via phone conversationApparently, due to change in staffing, the promise of a refund will not be honoredI disagree with the company's position, but did not request proof in writing at the time
Complaint: [redacted] I am rejecting this response because: They have it on file and noted I asked to cancel in which they have noted in there files misleading information, they piggybacked off another company credit card processor which I believe is illegal but what else would you expect out of scammers Sincerely, [redacted]
The merchant notified EPS as well as stating in this complaint that she has disputed the charges at her bankIn doing this the bank is disputing these charges
Initial Business Response / [redacted] (1000, 4, 2015/05/21) */ Mr [redacted] signed an EPS merchant processing agreement through an outside sales representative on September To validate the agreement, the merchant provided a copy of a voided check for deposits and withdraws for the services as well as a copy of the drivers licenseOn October 30th (over a month after signing the agreement) the merchant contacted our corporate offices and requested to be placed on a seasonal status for months until he gets the business going, meaning that there would be no monthly billing fees for the processing services at the time of seasonal statusAs a customer courtesy The account was placed on seasonal status and reactivated in Feb On March 3rd, the merchant contacted our office again questioning the billing, the representative reviewed the agreement and the seasonal status requestThe merchant said he would call us back on March 5th the merchant called asking about amex fees and terminal questions, again he would call us back, on March 10th the merchant called to cancel services- the merchant was advised of the cancellation policy and the agreement signed in The merchant advised he would call back to speak to the managerThe next call was september 18th to cancel services and wanted a refund for all monthly billing merchant was again advised of the agreement and cancellation procedureEPS did finally receive a cancellation letter 09/25/and the contract is dated to end 09/The merchant called in on 05/04/to review these terms again with our management team Initial Consumer Rebuttal / [redacted] (3000, 6, 2015/05/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) EPS gave us no explanation of recurring charges if we cancelledAnd they are still unclear regarding what will happen when th contract is dated to end in September Final Business Response / [redacted] (4000, 8, 2015/06/08) */ When the merchant called in, they were advised the terms of the agreement signedThis includes the cancellation policy and procedureThe merchant also signed agreeing to, accepting, and understanding these terms when signing the agreementThe Revdex.com also states the EPS cancellation policy and procedure under our review with the Revdex.comThe contract will end in September 2015, at this time the agreement will be complete and no further monthly billings will take place
After the wire to the merchants account we show no phone calls until the merchant was charged the PCI fee of We are happy to reimburse you to fee charged But we are unable to pay the fee for your new checks and a bank processing fee (?)
Complaint: [redacted] I am rejecting this response because:Actually: We originally requested ACH only for both of our accounts we opened and they instead opened a CC account through some other Authorize.net merchant and charged us a ton of fee's for doing so as well as charged us a bunch of fee's the entire time for processing the ACH transactions. We were originally told only .10 per transaction and $10.00 monthly by their "National Sales Director", multiple times. We sign the paperwork while the national sales director was on the phone as we were being hurried, then he disappears and we cannot get in touch with him. After some research, we were able to locate his mobile phone number and place calls to that and we were able to get a hold of him. Since he didn't know who was calling, he answered a couple times, but hung up on us. This "national sales director" goes by the name of [redacted] . After fighting to get a hold of this company for months, we finally spoke with a guy named [redacted] , who tells us that [redacted] was not up to date on the prices and they used to have that option a long time ago (which sounds like a bunch of BS). Anyway, [redacted] was kind and assisted us cancelling one of our accounts and providing us the option to cancel another at no penalty in the future (which we recently exercised). We cancelled the Million Management account on 07/01/2016. Now, 4 months later, we are receiving ACH charges from EPS, EPS90, and ELECTCHECK (all from this company) to our bank accounts. Last week we called Electronic Payment Systems and were told they processed a refund and they were sorry that this automatically was withdrawn for all of their customers and they have no system in place to stop it. We waited a week, still no reversal. We contacted our bank (Bank of America) to put a block on all 3 of those transaction names for future and we filled out paperwork and submitted it to [redacted] ***. Since then, we have seen the reversals take place but have no idea if we're going to continue to get charged on either of our accounts. Sincerely, [redacted]