The merchant signed a year agreement on May for processing servicesEPS did receive the cancellation letter to cancel services on April Again, the merchant signed a year agreement which will end in May On April 5, the merchant was offered to Buy out the agreement for the remaining months due for a total of $At that time, the merchant stated the new processor ( North American Bank)would buy the agreementCurrently, th merchants contract is due to cancel in May
Complaint: [redacted] I am rejecting this response because: we were not told we were being turned into collectionI was told the $was the final amount - the yearly fee is for 2016? why was it charged in sept? Does not make sense - this was an additional charge of $that was not included in the $375????? Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/09/29) */ In review of the documentation signed by the merchant, a year agreement, it speaks differentlyAlthough the merchant willingly signed for services, received equipment and negotiated different terms, EPS will cancel the agreement
[redacted] signed a year agreement for services in January When the merchant sent back the equipment, mr [redacted] understood that a notice of cancellation was needed for the account to not renew for the additional year termsAccording to the systems records, the merchant sent notification to cancel services on May 26, and was aware they are liable for any fees to that pointThe merchant could not provide proof of EPS receiving the cancellation before this pointIf the merchant can provide this we can review further
Initial Business Response / [redacted] (1000, 4, 2015/08/19) */ The original agreement signed by [redacted] was for Merchant services along with the equipment discussed of 2 countertop processing terminals. In the discussion at the time of signing the merchant did advise of a POS system which is why it was... requested to have an EPS Gateway for inventory control. It was only advised during the install attempt, after the agreement was signed and the equipment was sent that they intended to integrate the teminals to the POS system, our tech support advised that we could attempt to integrate, but this would take 60-90 days. It was later that the merchant stated they wanted to use Surface tablets for the processing. The merchant received the equipment requested on 07/21/2015 and was active the the merchant processing agreement on 07/20/2015. Emails were sent to connect the gateway to the POS system, however that is between the merchant and POS provider to integrate, as EPS only works with the actual hardware. The merchant confirmed receipt of the equipment on 07/21 but was too busy to install there were several calls from the 21st of July until August 3rd when we were advised that the merchant was on vacation and set an install time for Thursday 08/06. On 08/06 The merchant had requested that we send out a new piece of equipment ad the equipment previously sent would not work due to no phone lines. EPS Sent out 2 more units and these were received by the merchant on 08/07. It was this date that the merchant advised of the Surface tablets and needing the terminals to integrate with the POS System. Due to the cost of shipping, time spent downloading and reprogramming equipment, the initial set up costs and the agreements signed, EPS provided the merchant with a buy out on 08/12 of $1,100.00. The credit card authorization was sent to the merchant with the following terms::::To ***, I have been forwarded your email in regards to cancellation of your merchant account with EPS. If you would like to buyout your contract EPS would need to receive a payment of $1,100.00. You currently have 23 months remaining on your agreement and the fee is $35.00 per month. You are also responsible for an early termination fee of $295.00. In the attachment above is an authorization form to buyout your contract. Highlighted below is section 3.5 A-D of our contract that covers the Terms and Termination policy for this agreement. 3.5 Terms, Termination and Terminated Merchant File (a) The initial term of the Agreement shall be two (2) years commencing on the date of approval of this Agreement. Thereafter, until cancelled in accordance with this Agreement, the Agreement will automatically renew for consecutive two (2) year terms. (b) EPS may terminate this Agreement at any time immediately and without notice based on any of the reasons noted in Section 2.3 or if EPS discovers any inconsistencies or misrepresentations (as determined by EPS in its sole and absolute discretion) on the Merchant Application. (c) Merchant may terminate this Agreement with a ninety (90) day written notice to EPS prior to the completion of the initial term or any renewal thereafter. (d) If Merchant terminates in a manner other than what is described in Section 3.5(c), Merchant will be subject to an early termination fee of $295 plus the standard fees associated with the Processing Agreement for the number of months remaining until the completion of the full term. If the equipment is returned in good condition then you will not be charged for equipment. Your equipment was never completely installed so the lease was not put into effect. If you have any further questions or concerns, please don't hesitate to contact me. Initial Consumer Rebuttal / [redacted] (4200, 13, 2015/10/19) */ Duplicate complaint CID# XXXXXXXX We were billed 9.95/month for two months in error. When a refund was requested, were told "the owner said no" by the customer care representative". This year we were forced to pay a contract with no service being provided. We filed the case (BBB Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXXX)) and it was falsely settled by the business and the BBB. We are now forced to pay $35.00/month for no service provided and we are paying that. For the past two months, the company billed an additional $9.95 per month in error, as they have admitted on two separate calls. They stated we will no longer be billed and it was their error. When we spoke with them today October 19, the representative stated "the owner said a refund will not be given". We demand they refund the money that is owed. Desired resolution: We require the two payments of $9.95 is returned to our account as it was an error and they will not substantiate the charge. They would only admit the it was their error and we will not be charged again. However, according to the owner, we cannot receive a refund. Final Business Response / [redacted] (4000, 19, 2015/11/11) */ I would like to point out to the BBB that [redacted] was the party that was spoken to and the agreement was signed by, Not [redacted] ***. [redacted] signed the 2 year agreement for merchant services and equipment Lease. Although EPS made every attempt to assist the merchant for installing the equipment that Mr. [redacted] signed for, even at the initial install stating the equipment would not work and EPS sending out another option. The merchant is not held to the lease, but is being held to the processing agreement signed. There was no misrepresentation, just a lack of communication of which EPS was not informed until after shipments and several installation attempts. Final Consumer Response / [redacted] (4200, 21, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) [redacted] and [redacted] were both on ALL conversations with the sales team member R [redacted] prior to contract signing. [redacted] and [redacted] were both called repeatedly, daily with pressure to install even though the store had not opened. [redacted] and [redacted] were both witness to the conversations IMMEDIATELY after installation stating that the systems WAS compatible with the electronic cash register and notebook we were ADVISED to purchase by R [redacted] and the 'manager would give us the code after he returns from lunch'. [redacted] and [redacted] were both ignored when phone calls were placed for several days to get the code and were both told by a customer service rep that the system would not be compatible without extensive work. This is ABSOLUTELY misrepresentation and should not be allowed to continue. FALSE SALES TACTICS AND THEFT BY CONTRACT.
our records show that [redacted] is not the signer on the merchant accountDue to this, we cannot discuss account details with [redacted] Any discussions about the merchant account must be done with the signer on the application Revdex.com: Please remove this from complaint history as this is not an authorized signer or contact on the merchant account
Complaint: [redacted] I am rejecting this response because:Emails and phone calls were sent to Blake Robertson with no responseI disputed the $charge and was refunded for thatBut again, I had to close the account (for the second time) and incurred charges related to thatQuite honestly, I don't expect Access Now (a.k.aEPS) will do anything more at this pointJust let this go on record as a warning to the public that they should not do business with Access Now/Electronic Payment Systems Sincerely, [redacted] ***
Hi [redacted] , I want people to be aware of their scheme and agenda of just money-grabbing and randomly charging accounts It's not a major deal to us to get a resolution of our lost time and multiple fee's on our account; but if a resolution is required, I would be extremely happy with a refund for all the fee's they charged us, unknowingly, and lost time for calling and emailing them Most of all, I want the people and potential future customers to know to take their business elsewhere as these people there not loyal at allI hope this helpsThank you, [redacted]
We are sorry to hear that you are having these issues*** *** is not employed by EPS but may be a representative for Electronic Payment Services of Arizona, the office you directly signed withI do see that Mr*** signed an agreement with Electronic Payment Systems in August and
utilized these services until August The agreement that was signed is a year agreement which auto renews unless EPS is provided with a written notice of cancellation at least days prior to the contract term then in effectOur records show that the merchant signed in August for services and was approved for services on the 27th of the same monthMr*** Used the service in September, just days after signing for the servicesWe have Record that Mr*** called in upset over the processing agreement (EPS) and the Lease (not EPS) due to being charged fees for August, EPS refunded the august processing fees, but are not part of the agreement for the lease, therefore would need to contact the leasing company directThe next communication was June (nearly a year after signing for services) needing assistance with the terminalThroughout 2013-there were several communications but nothing about canceling servicesSeptember 29, is the first time the merchant called wanting to cancel and calling being very rude to our customer service staffThe merchant stated he would be sending a cancellation letter, but EPS still has not seen this letter come throughIf the merchant was promised $a month, that must have been for the lease of the equipmentThe EPS charges (if the merchant does not process) are $a month, and can very depending on the volume of the transactions he is running through the terminalNo refund is due as the merchant signed for any and all fees charged by EPS, and it is me belief that the he is speaking of is about the lease of the equipment and not the processingI have attached a copy of the agreement from
In EPS received a notifications of the intention to cancel services, and notified at that time that it could not be accepted as it was not signed by the signor on the original contractThe first letter signed by *** *** was in May 2016, and the contract cancellation is taking place this monthI am sure you, the Revdex.com, understands that we cannot allow just anyone to speak on behalf of a contract and need appropriate authorization to cancel a contract
Complaint: ***
I am rejecting this response because: As you can read from my complaint the cancellation was faxed in numerous times and verified that the fax from 07/was received by one of Electronic Payment Systems, LLC.'s employees and the monthly fees were terminated. The only fee's that were not terminated was the yearly PCI compliance fee. I would like to know if they didn't accept our faxed cancellation on 07/then why was our monthly fees stopped???
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because:I am rejecting this response because: I never signed the addendum to the contract that they are referencing. I have been emailed two separate addendums that seem to be different (keep in mind that I did not initial nor sign either of these). I only signed the original application back in also provided (pages) with the sales person that came directly to our home in Reno, NV. At that time which he also put down that it was at our place of business. He assured us that our term was month to month. There were multiple tickets placed between March of - May which we were waiting for a return phone call to understand. Specifically our May statement alone shows that on 5/13/we were deducted 371.75, and yet another refund in the amount of on 05/18/2016. If there were only two double charges during that time frame per their response why were we deducted the above amounts? We were never able to find out. We continued to verbally try to get this resolved however they would not close our account because they said they had to wait mos. in case of any chargebacks. We have not used their services since June 1, which is well before the mosthat they are stating that they needed to cancel anyways. How can I be held to an agreement that shows that I never signed it or even initialed? Every time I tried to cancel they would send me a letter that I had to sign stating that I was aware that it auto renewed and another form stating it was ok to deduct to cancel my account. I spoke *** and explained that I didn't feel comfortable signing that because I never acknowledged that in the first place. He said that they won't do anything further for me unless it was in writing so I drafted my own cancellation letter. Since they received my cancellation letter I was deducted another 99.50 cents from my account. If my account wasn't sent to renew until October why was I charged after I notified them that I needed to cancel. My business banker with Wells Fargo tried to intervene and help resolve the issue. *** was not available once again however the repon the phone *** explained it was a yearly account fee. Also, I have personally tried to still get a hold of *** since the cancellation request was sent via fax and email. Today is the first day I was able to speak with him. He explained that he is rejecting the cancellation and that was possibly going to cancel the account and return the fees to us but since we put in a complaint with the Revdex.com that they were not going to do anything further for us and that offer that we didn't even know about was off the table and that the Revdex.com always rules in their favor and he has already sent all documentation to them.
Sincerely,
*** ***
The $were fees for the month of December that were owed to EPSThe merchants contract did not end until December 2016, Fees are due for the initial month of DecemberAlthough the merchants account is cancelled per end of contract, the merchant placed a stop payment on December fees in the amount of $which leaves a balance due for December (last monthly fees in contractual agreement)
The merchant originally signed for services and a gateway account on 12/22/The merchant was approved for a merchant account (MID 600100101962)On 12/23/2015, The merchant met with *** and ISO, and signed up for a lease on a terminal (wireless unit) for tradeshows etcThe agent installed
the equipment on 12/29, at that time the merchant completed a Delivery and acceptance of the equipmentThe merchant processed several transactions on 01/(saturday) and these funds were sent for deposit on Monday 01/The merchant then processed transactions on 01/which were flagged by visa, Documentation was requested and reviewed.Once approval was received, the funds were releasedFunds are deposited based on his banks funds availability policyThe merchant has not contacted our office since 01/to state there was ever an issue of depositsIf there is still an issue, and the deposit has not been received, we are requesting documents (bank statements) showing the deposit was not received
EPS billed out our Annual Fee of $to anyone who had an open account in the last monthsThis fee is nonrefundable, please see section in the terms and conditions of your agreement
We cancelled our services with EPS on 8/2/Their accounts department told me the amount we would have to pay to get out of our contract was $I told them our new cr card processing company would pay the buyout of $EPS gave me the impression they would wait for my call back after I
passed the info to our new cr card processing coI am sure they recorded our conversationThey never told me they were sending it to collectionsI had no notice and it will affect our credit and rating at D&B.The credit company they turned us into charged us $487.50...an additional $cr companies charge and then EPS after they said we only owed $withdrew an additional $from our checking account without our approval and said it was because we would owe a yrly feeWe are not with then anymore - if charges were done in sept it is fees for 9/to 9/and we are not with them....since 8/2/16....We would like the $we had to pay to cr company plus the $yearly fee they charged for a total of $
*** *** signed for services with EPS in July The first letter received signed by *** *** was on May 3, This contract will cancel In July (this month) with the July fees to be debited in AugustIf *** *** would like additional information on the account please
contact our offices via the Revdex.comAny communication must be with *** ***Thank you
The merchant called in about fees deducted from the account several times after receipt of the cancellation 08/30/Each time the merchant was advised of the contract/agreement terms, and cancellation date for December The merchant was billed for the December fees, per the agreement
signed, and on 01/06/the fees came back as a STOP PAYMENTAlthough the merchants account has been closed as of the end of the contract term, there was still a balance due of $
Complaint: ***
I am rejecting this response because:In August of I was pursued by agents or contractors of EPS to purchase credit card processing for my business I did not ask for these services and hadn't considered them in the past, I was 'targeted' by EPS contractors The fees discussed exceeded what I valued the services to be worth to my business, the agent was informed that we did not have a deal for those costs Over a period of several days including multiple phone calls and emails documenting that changes to the contract would have to be made by other arrangements before I would authorize the contract I informed the agent that I would only budget $55-$per month total for fixed costs for the year period of the agreement, this does not include small percentage based fees for services rendered based on total credit card processing dollars or additional annual or twice annual fees One of these fees was for an annual fee of $and another fee of $for PCI-DSS Complience This was a sticking point, I refused to authorize these fees on top of the $55-$monthly total that I would budget The EPS agent/contractor told me that these fees would be deducted from my checking account and then put back in In another written transaction it is documented that I would be sent a rebate check of $to cover these fees within 5-business days This has never happened I was asked to authorize the agreement by 'computer' signing I asked the agent/contractor directly whether the cost issues that myself, the agent and his manager had discussed were to be handled, he said they were I authorized the contract under these terms with the acknowledgement by the agent/contractor that an addendum to the contract was en force that would bring my total monthly costs to $55-56/month, no net costs for the Annual Fee of $or the $for PCI-DSS complience The only additional fees were to be small percentage based costs per the lease terms on card usage totals After the agreement was signed I tried to contact the agent/contractor who started and finished the agreement, I was not able to contact him by phone I emailed him that bank statements indicated that EPS was not behaving according to the agreement we reached and submitted written proof I called EPS and Northern leasing to cancel the contract, was phone screened from talking to managers who could resolve the situation They were not interested in finding out the facts, they just wanted to take my money and get rid of me I informed the agent/contractor that EPS was not behaving according to the agreement we made, he acknowledged in writing that there was a problem, indicated that he had been promoted and had passed responsibility for seeing things through to someone else while also indicating that he would personally follow through on this Nothing happend, EPS denied that different arrangements had been made and now has taken the stance that the contract exonerates EPS from any responsibility for actions of agents/contractors acting on their behalf.Per my previous communication, written explicit evidence of this fraud has been submitted to law enforcement agencies Based on this evidence they have advised that I pursue damages through the legal system EPS has now had about days to cancel the contract obtained by fraud as requested in writing in September They have chosen to deny that they have any responsibility in adhering to the terms agreed up in addition to the formal contract They would like to pretend that these arrangements did not take place, written evidence now in the hands of law enforcement indicates undeniably that they did They had the opportunity to correct this problem in Aug/Sep - they chose to deny the rest of the truth and take the money and run for cover This is fraud - this is a crime EPS denies that they have any responsibility for agents/contractors who apparently are authorized to engage in fraudulent activities to obtain monetary contracts on their behalf, but apparently these people are not able to cancel the contracts when EPS doesn't adhere to the WHOLE truth The general public knows what this is Individuals and Businesses that have been damaged by these fraudulent activities know what this is If you have had a similar experience with EPS or other Credit Card Provider please contact Revdex.com so that pressure can be applied to end these fraudulent practices and those involved in criminal activities brought to justice There is power in truth
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because: the company should have informed me that I would be charged at the end of the year as during the last two years I was charged $every six months.
Sincerely,
*** ***
The merchant signed a year agreement on May for processing servicesEPS did receive the cancellation letter to cancel services on April Again, the merchant signed a year agreement which will end in May On April 5, the merchant was offered to Buy out the agreement for the remaining months due for a total of $At that time, the merchant stated the new processor ( North American Bank)would buy the agreementCurrently, th merchants contract is due to cancel in May
Complaint: [redacted] I am rejecting this response because: we were not told we were being turned into collectionI was told the $was the final amount - the yearly fee is for 2016? why was it charged in sept? Does not make sense - this was an additional charge of $that was not included in the $375????? Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/09/29) */ In review of the documentation signed by the merchant, a year agreement, it speaks differentlyAlthough the merchant willingly signed for services, received equipment and negotiated different terms, EPS will cancel the agreement
[redacted] signed a year agreement for services in January When the merchant sent back the equipment, mr [redacted] understood that a notice of cancellation was needed for the account to not renew for the additional year termsAccording to the systems records, the merchant sent notification to cancel services on May 26, and was aware they are liable for any fees to that pointThe merchant could not provide proof of EPS receiving the cancellation before this pointIf the merchant can provide this we can review further
Initial Business Response / [redacted] (1000, 4, 2015/08/19) */ The original agreement signed by [redacted] was for Merchant services along with the equipment discussed of 2 countertop processing terminals. In the discussion at the time of signing the merchant did advise of a POS system which is why it was... requested to have an EPS Gateway for inventory control. It was only advised during the install attempt, after the agreement was signed and the equipment was sent that they intended to integrate the teminals to the POS system, our tech support advised that we could attempt to integrate, but this would take 60-90 days. It was later that the merchant stated they wanted to use Surface tablets for the processing. The merchant received the equipment requested on 07/21/2015 and was active the the merchant processing agreement on 07/20/2015. Emails were sent to connect the gateway to the POS system, however that is between the merchant and POS provider to integrate, as EPS only works with the actual hardware. The merchant confirmed receipt of the equipment on 07/21 but was too busy to install there were several calls from the 21st of July until August 3rd when we were advised that the merchant was on vacation and set an install time for Thursday 08/06. On 08/06 The merchant had requested that we send out a new piece of equipment ad the equipment previously sent would not work due to no phone lines. EPS Sent out 2 more units and these were received by the merchant on 08/07. It was this date that the merchant advised of the Surface tablets and needing the terminals to integrate with the POS System. Due to the cost of shipping, time spent downloading and reprogramming equipment, the initial set up costs and the agreements signed, EPS provided the merchant with a buy out on 08/12 of $1,100.00. The credit card authorization was sent to the merchant with the following terms::::To ***, I have been forwarded your email in regards to cancellation of your merchant account with EPS. If you would like to buyout your contract EPS would need to receive a payment of $1,100.00. You currently have 23 months remaining on your agreement and the fee is $35.00 per month. You are also responsible for an early termination fee of $295.00. In the attachment above is an authorization form to buyout your contract. Highlighted below is section 3.5 A-D of our contract that covers the Terms and Termination policy for this agreement. 3.5 Terms, Termination and Terminated Merchant File (a) The initial term of the Agreement shall be two (2) years commencing on the date of approval of this Agreement. Thereafter, until cancelled in accordance with this Agreement, the Agreement will automatically renew for consecutive two (2) year terms. (b) EPS may terminate this Agreement at any time immediately and without notice based on any of the reasons noted in Section 2.3 or if EPS discovers any inconsistencies or misrepresentations (as determined by EPS in its sole and absolute discretion) on the Merchant Application. (c) Merchant may terminate this Agreement with a ninety (90) day written notice to EPS prior to the completion of the initial term or any renewal thereafter. (d) If Merchant terminates in a manner other than what is described in Section 3.5(c), Merchant will be subject to an early termination fee of $295 plus the standard fees associated with the Processing Agreement for the number of months remaining until the completion of the full term. If the equipment is returned in good condition then you will not be charged for equipment. Your equipment was never completely installed so the lease was not put into effect. If you have any further questions or concerns, please don't hesitate to contact me. Initial Consumer Rebuttal / [redacted] (4200, 13, 2015/10/19) */ Duplicate complaint CID# XXXXXXXX We were billed 9.95/month for two months in error. When a refund was requested, were told "the owner said no" by the customer care representative". This year we were forced to pay a contract with no service being provided. We filed the case (BBB Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXXX)) and it was falsely settled by the business and the BBB. We are now forced to pay $35.00/month for no service provided and we are paying that. For the past two months, the company billed an additional $9.95 per month in error, as they have admitted on two separate calls. They stated we will no longer be billed and it was their error. When we spoke with them today October 19, the representative stated "the owner said a refund will not be given". We demand they refund the money that is owed. Desired resolution: We require the two payments of $9.95 is returned to our account as it was an error and they will not substantiate the charge. They would only admit the it was their error and we will not be charged again. However, according to the owner, we cannot receive a refund. Final Business Response / [redacted] (4000, 19, 2015/11/11) */ I would like to point out to the BBB that [redacted] was the party that was spoken to and the agreement was signed by, Not [redacted] ***. [redacted] signed the 2 year agreement for merchant services and equipment Lease. Although EPS made every attempt to assist the merchant for installing the equipment that Mr. [redacted] signed for, even at the initial install stating the equipment would not work and EPS sending out another option. The merchant is not held to the lease, but is being held to the processing agreement signed. There was no misrepresentation, just a lack of communication of which EPS was not informed until after shipments and several installation attempts. Final Consumer Response / [redacted] (4200, 21, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) [redacted] and [redacted] were both on ALL conversations with the sales team member R [redacted] prior to contract signing. [redacted] and [redacted] were both called repeatedly, daily with pressure to install even though the store had not opened. [redacted] and [redacted] were both witness to the conversations IMMEDIATELY after installation stating that the systems WAS compatible with the electronic cash register and notebook we were ADVISED to purchase by R [redacted] and the 'manager would give us the code after he returns from lunch'. [redacted] and [redacted] were both ignored when phone calls were placed for several days to get the code and were both told by a customer service rep that the system would not be compatible without extensive work. This is ABSOLUTELY misrepresentation and should not be allowed to continue. FALSE SALES TACTICS AND THEFT BY CONTRACT.
our records show that [redacted] is not the signer on the merchant accountDue to this, we cannot discuss account details with [redacted] Any discussions about the merchant account must be done with the signer on the application Revdex.com: Please remove this from complaint history as this is not an authorized signer or contact on the merchant account
Complaint: [redacted] I am rejecting this response because:Emails and phone calls were sent to Blake Robertson with no responseI disputed the $charge and was refunded for thatBut again, I had to close the account (for the second time) and incurred charges related to thatQuite honestly, I don't expect Access Now (a.k.aEPS) will do anything more at this pointJust let this go on record as a warning to the public that they should not do business with Access Now/Electronic Payment Systems Sincerely, [redacted] ***
Hi [redacted] , I want people to be aware of their scheme and agenda of just money-grabbing and randomly charging accounts It's not a major deal to us to get a resolution of our lost time and multiple fee's on our account; but if a resolution is required, I would be extremely happy with a refund for all the fee's they charged us, unknowingly, and lost time for calling and emailing them Most of all, I want the people and potential future customers to know to take their business elsewhere as these people there not loyal at allI hope this helpsThank you, [redacted]
We are sorry to hear that you are having these issues*** *** is not employed by EPS but may be a representative for Electronic Payment Services of Arizona, the office you directly signed withI do see that Mr*** signed an agreement with Electronic Payment Systems in August and
utilized these services until August The agreement that was signed is a year agreement which auto renews unless EPS is provided with a written notice of cancellation at least days prior to the contract term then in effectOur records show that the merchant signed in August for services and was approved for services on the 27th of the same monthMr*** Used the service in September, just days after signing for the servicesWe have Record that Mr*** called in upset over the processing agreement (EPS) and the Lease (not EPS) due to being charged fees for August, EPS refunded the august processing fees, but are not part of the agreement for the lease, therefore would need to contact the leasing company directThe next communication was June (nearly a year after signing for services) needing assistance with the terminalThroughout 2013-there were several communications but nothing about canceling servicesSeptember 29, is the first time the merchant called wanting to cancel and calling being very rude to our customer service staffThe merchant stated he would be sending a cancellation letter, but EPS still has not seen this letter come throughIf the merchant was promised $a month, that must have been for the lease of the equipmentThe EPS charges (if the merchant does not process) are $a month, and can very depending on the volume of the transactions he is running through the terminalNo refund is due as the merchant signed for any and all fees charged by EPS, and it is me belief that the he is speaking of is about the lease of the equipment and not the processingI have attached a copy of the agreement from
In EPS received a notifications of the intention to cancel services, and notified at that time that it could not be accepted as it was not signed by the signor on the original contractThe first letter signed by *** *** was in May 2016, and the contract cancellation is taking place this monthI am sure you, the Revdex.com, understands that we cannot allow just anyone to speak on behalf of a contract and need appropriate authorization to cancel a contract
Complaint: ***
I am rejecting this response because: As you can read from my complaint the cancellation was faxed in numerous times and verified that the fax from 07/was received by one of Electronic Payment Systems, LLC.'s employees and the monthly fees were terminated. The only fee's that were not terminated was the yearly PCI compliance fee. I would like to know if they didn't accept our faxed cancellation on 07/then why was our monthly fees stopped???
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because:I am rejecting this response because: I never signed the addendum to the contract that they are referencing. I have been emailed two separate addendums that seem to be different (keep in mind that I did not initial nor sign either of these). I only signed the original application back in also provided (pages) with the sales person that came directly to our home in Reno, NV. At that time which he also put down that it was at our place of business. He assured us that our term was month to month. There were multiple tickets placed between March of - May which we were waiting for a return phone call to understand. Specifically our May statement alone shows that on 5/13/we were deducted 371.75, and yet another refund in the amount of on 05/18/2016. If there were only two double charges during that time frame per their response why were we deducted the above amounts? We were never able to find out. We continued to verbally try to get this resolved however they would not close our account because they said they had to wait mos. in case of any chargebacks. We have not used their services since June 1, which is well before the mosthat they are stating that they needed to cancel anyways. How can I be held to an agreement that shows that I never signed it or even initialed? Every time I tried to cancel they would send me a letter that I had to sign stating that I was aware that it auto renewed and another form stating it was ok to deduct to cancel my account. I spoke *** and explained that I didn't feel comfortable signing that because I never acknowledged that in the first place. He said that they won't do anything further for me unless it was in writing so I drafted my own cancellation letter. Since they received my cancellation letter I was deducted another 99.50 cents from my account. If my account wasn't sent to renew until October why was I charged after I notified them that I needed to cancel. My business banker with Wells Fargo tried to intervene and help resolve the issue. *** was not available once again however the repon the phone *** explained it was a yearly account fee. Also, I have personally tried to still get a hold of *** since the cancellation request was sent via fax and email. Today is the first day I was able to speak with him. He explained that he is rejecting the cancellation and that was possibly going to cancel the account and return the fees to us but since we put in a complaint with the Revdex.com that they were not going to do anything further for us and that offer that we didn't even know about was off the table and that the Revdex.com always rules in their favor and he has already sent all documentation to them.
Sincerely,
*** ***
The $were fees for the month of December that were owed to EPSThe merchants contract did not end until December 2016, Fees are due for the initial month of DecemberAlthough the merchants account is cancelled per end of contract, the merchant placed a stop payment on December fees in the amount of $which leaves a balance due for December (last monthly fees in contractual agreement)
The merchant originally signed for services and a gateway account on 12/22/The merchant was approved for a merchant account (MID 600100101962)On 12/23/2015, The merchant met with *** and ISO, and signed up for a lease on a terminal (wireless unit) for tradeshows etcThe agent installed
the equipment on 12/29, at that time the merchant completed a Delivery and acceptance of the equipmentThe merchant processed several transactions on 01/(saturday) and these funds were sent for deposit on Monday 01/The merchant then processed transactions on 01/which were flagged by visa, Documentation was requested and reviewed.Once approval was received, the funds were releasedFunds are deposited based on his banks funds availability policyThe merchant has not contacted our office since 01/to state there was ever an issue of depositsIf there is still an issue, and the deposit has not been received, we are requesting documents (bank statements) showing the deposit was not received
EPS billed out our Annual Fee of $to anyone who had an open account in the last monthsThis fee is nonrefundable, please see section in the terms and conditions of your agreement
We cancelled our services with EPS on 8/2/Their accounts department told me the amount we would have to pay to get out of our contract was $I told them our new cr card processing company would pay the buyout of $EPS gave me the impression they would wait for my call back after I
passed the info to our new cr card processing coI am sure they recorded our conversationThey never told me they were sending it to collectionsI had no notice and it will affect our credit and rating at D&B.The credit company they turned us into charged us $487.50...an additional $cr companies charge and then EPS after they said we only owed $withdrew an additional $from our checking account without our approval and said it was because we would owe a yrly feeWe are not with then anymore - if charges were done in sept it is fees for 9/to 9/and we are not with them....since 8/2/16....We would like the $we had to pay to cr company plus the $yearly fee they charged for a total of $
*** *** signed for services with EPS in July The first letter received signed by *** *** was on May 3, This contract will cancel In July (this month) with the July fees to be debited in AugustIf *** *** would like additional information on the account please
contact our offices via the Revdex.comAny communication must be with *** ***Thank you
The merchant called in about fees deducted from the account several times after receipt of the cancellation 08/30/Each time the merchant was advised of the contract/agreement terms, and cancellation date for December The merchant was billed for the December fees, per the agreement
signed, and on 01/06/the fees came back as a STOP PAYMENTAlthough the merchants account has been closed as of the end of the contract term, there was still a balance due of $
Complaint: ***
I am rejecting this response because:In August of I was pursued by agents or contractors of EPS to purchase credit card processing for my business I did not ask for these services and hadn't considered them in the past, I was 'targeted' by EPS contractors The fees discussed exceeded what I valued the services to be worth to my business, the agent was informed that we did not have a deal for those costs Over a period of several days including multiple phone calls and emails documenting that changes to the contract would have to be made by other arrangements before I would authorize the contract I informed the agent that I would only budget $55-$per month total for fixed costs for the year period of the agreement, this does not include small percentage based fees for services rendered based on total credit card processing dollars or additional annual or twice annual fees One of these fees was for an annual fee of $and another fee of $for PCI-DSS Complience This was a sticking point, I refused to authorize these fees on top of the $55-$monthly total that I would budget The EPS agent/contractor told me that these fees would be deducted from my checking account and then put back in In another written transaction it is documented that I would be sent a rebate check of $to cover these fees within 5-business days This has never happened I was asked to authorize the agreement by 'computer' signing I asked the agent/contractor directly whether the cost issues that myself, the agent and his manager had discussed were to be handled, he said they were I authorized the contract under these terms with the acknowledgement by the agent/contractor that an addendum to the contract was en force that would bring my total monthly costs to $55-56/month, no net costs for the Annual Fee of $or the $for PCI-DSS complience The only additional fees were to be small percentage based costs per the lease terms on card usage totals After the agreement was signed I tried to contact the agent/contractor who started and finished the agreement, I was not able to contact him by phone I emailed him that bank statements indicated that EPS was not behaving according to the agreement we reached and submitted written proof I called EPS and Northern leasing to cancel the contract, was phone screened from talking to managers who could resolve the situation They were not interested in finding out the facts, they just wanted to take my money and get rid of me I informed the agent/contractor that EPS was not behaving according to the agreement we made, he acknowledged in writing that there was a problem, indicated that he had been promoted and had passed responsibility for seeing things through to someone else while also indicating that he would personally follow through on this Nothing happend, EPS denied that different arrangements had been made and now has taken the stance that the contract exonerates EPS from any responsibility for actions of agents/contractors acting on their behalf.Per my previous communication, written explicit evidence of this fraud has been submitted to law enforcement agencies Based on this evidence they have advised that I pursue damages through the legal system EPS has now had about days to cancel the contract obtained by fraud as requested in writing in September They have chosen to deny that they have any responsibility in adhering to the terms agreed up in addition to the formal contract They would like to pretend that these arrangements did not take place, written evidence now in the hands of law enforcement indicates undeniably that they did They had the opportunity to correct this problem in Aug/Sep - they chose to deny the rest of the truth and take the money and run for cover This is fraud - this is a crime EPS denies that they have any responsibility for agents/contractors who apparently are authorized to engage in fraudulent activities to obtain monetary contracts on their behalf, but apparently these people are not able to cancel the contracts when EPS doesn't adhere to the WHOLE truth The general public knows what this is Individuals and Businesses that have been damaged by these fraudulent activities know what this is If you have had a similar experience with EPS or other Credit Card Provider please contact Revdex.com so that pressure can be applied to end these fraudulent practices and those involved in criminal activities brought to justice There is power in truth
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because: the company should have informed me that I would be charged at the end of the year as during the last two years I was charged $every six months.
Sincerely,
*** ***