Initial Business Response /* (1000, 8, 2015/10/13) */
The merchant signed an agreement in march 2005 for the processing services. one of the fees is the annual processing fee. This fee is deducted at 99.50 each year. since the merchant was active until May 2015, the annual fee is charged. This fee...
is not refundable and cannot be pro-rated.
Initial Consumer Rebuttal /* (3000, 10, 2015/10/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for respionding. I was given two sets of different information last year and this year. When I cancelled in March of 2014, I was told that I would be billed for an additional month and cancelled in April 2014. I then received an update when billed again in 2015, being told that I was erroneously billed and would receive a refund with a month. Three 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 2015. I do not agree with th company, nor their customer service representatives, who have given different information. My initial contact, [redacted] is not longer with the company. I look forward to your decision. Thank you for your time and assistance. Sincerely, [redacted]
Final Business Response /* (4000, 15, 2015/11/11) */
Can the merchant provide proof of cancellation in 2014 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 /* (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 refunded. This was all via phone conversation. Apparently, due to change in staffing, the promise of a refund will not be honored. I disagree with the company's position, but did not request proof in writing at the time.
Complaint: [redacted]
I am rejecting this response because: Not true,EPs rep himself said it was noted in 2013 in my files, just admit you are lowlife leaches with your only intent to sign people up,charge them monthly fees for the rest of a persons life.They wouldn't stop charging to a dead person. Manager at our bank advised us to close our account due EPs 90 charging us fees that they deny. Manager also said we need to talk with fraud detective as they are denying the multiple charges a month
Sincerely,
[redacted]
[redacted] is not listed on this account and has no authority to make any changes on this account. EPS received a cancellation letter from someone other than the personally guarantor on January 04, 2013. This letter was not accepted by EPS because [redacted] did not sign the cancellation letter. If...
the merchant claims they did provide a signed cancellation letter signed by [redacted] in 2013, please provide proof of this letter, and proof of receipt from EPS (as example: signed shipping/mailing receipt, or email acknowledging receipt). The signed cancellation letter our office received from [redacted] was received on May 03, 2016. The account is set to close at the end of the merchants contract term on July 28, 2016. If the merchant would like to discuss this account in detail, I will need to speak with the personal guarantor. I however we cannot discuss the account with someone who does not have permission to speak on behalf of this account.
upon review of the account, the merchant did sign for services in May 2011. The processing agreement is a year to year agreement which auto-renews each year, unless the merchant provides Electronic Payment Systems a 90 Day written notification of the intentions to not renew the agreement for an...
additional 1 year terms per section 3.05 of the merchant processing agreement. The only notification our office received to cancel services was on December 5, 2016. This was received after a phone call to the merchant per his request in a voicemail. The account is set to cancel in May 2017
The merchant contacted our customer service after placing the complaint. The merchant did see some delay in deposits due to system maintenance. The merchant was paid in full on all approved checks.
Initial Business Response /* (1000, 4, 2015/05/21) */
Mr. [redacted] signed an EPS merchant processing agreement through an outside sales representative on September 27 2013. 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 license. On 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 4 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 status. As a customer courtesy The account was placed on seasonal status and reactivated in Feb 2014. On March 3rd, the merchant contacted our office again questioning the billing, the representative reviewed the agreement and the seasonal status request. The 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 2013. The merchant advised he would call back to speak to the manager. The 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 procedure. EPS did finally receive a cancellation letter 09/25/2014 and the contract is dated to end 09/2015. The merchant called in on 05/04/2015 to review these terms again with our management team.
Initial Consumer Rebuttal /* (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 cancelled. And they are still unclear regarding what will happen when th contract is dated to end in September.
Final Business Response /* (4000, 8, 2015/06/08) */
When the merchant called in, they were advised the terms of the agreement signed. This includes the cancellation policy and procedure. The merchant also signed agreeing to, accepting, and understanding these terms when signing the agreement. The Revdex.com also states the EPS cancellation policy and procedure under our review with the Revdex.com. The contract will end in September 2015, at this time the agreement will be complete and no further monthly billings will take place.
On 12/27/2017 the merchant called in and was advised that a refund request would be submitted although the fee charged was for the 2017 processing year, and the account was active in 2017- the fee does apply. The refund is in for approval/review and we feel 30 days is a suitable time frame for...
Our understanding is that all documentation needs to be sent in through the Revdex.com. Please send the requested documentation through the proper lines
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]
Complaint: [redacted]
I am rejecting this response because: we were not told we were being turned into collection. I was told the $375.00 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 $99.50 that was not included in the $375?????
Sincerely,
[redacted]
Complaint: [redacted]
I am rejecting this response because: I was told to provide a signature. I did not. Had I been told that my email address would be my signature, I would have withdrawn my permission within the time allowed to withdraw from the contract. I also found out about this because I closed my bank account and had no idea who was billing me - it turned out to be these people. The reason their check didn't get cashed is because the account was closed. I find this all incredibly scammy!
Sincerely,
[redacted]
our records show that [redacted] is not the signer on the merchant account. Due 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.
After the wire to the merchants account we show no phone calls until the merchant was charged the PCI fee of 99.50. We are happy to reimburse you to 99.50 fee charged But we are unable to pay the 22.00 fee for your new checks and a 20.00 bank processing fee (?)
Merchants funds were held, due to him exceeding the allowed return check ratio. The merchants account was taken off of hold and we paid the merchant his held funds. One payment from the 2nd of this month and two payments from the 14th were sent out yesterday and the funds should be in the merchants...
account this morning. The merchants return check ratio is still 5.98% higher than we would like. If the merchant doesn’t continue to bring the return check ratio down, the account will be placed back on hold.
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 me. Sincerely, [redacted]
Initial Business Response /* (1000, 4, 2015/10/12) */
The consumer filing this complaint is not the owner/officer provided on the paperwork. We cannot release information on the merchant account in question to anyone other than the signer of the agreement. EPS is asking the Denver Revdex.com to withdraw...
The merchant notified EPS as well as stating in this complaint that she has disputed the charges at her bank. In doing this the bank is disputing these charges.
I requested our client services review the collections. It does look like the account was requested to be removed some time ago, they are filing a letter now stating that the account has been removed and paid in full. Once this is received, I will forward for your records.
on 01/17/2013 the merchant signed an agreement with Electronic Payment Systems via an esignature agreement ([redacted]) with a sales representative. The agreement was provided to Electronic Payment Systems for approval and the merchant was approved for merchant services on 01/21/2017. The equipment...
did not come from our office, but most likely from the sales representative. I have attached a copy of the agreement and documents from the file.
Complaint: [redacted]
I am rejecting this response because: The information they are giving you is different from the information they have giving me. They told me I process a total of 24 payment and 13 were invalid. They told me I am at 28% and I have to be at 15% or less. Since my account was put on hold I have process a total of 11 payment that they are holding funds for. Their software is very nonfunctional. The error that was made was a problem with in there software that I made them aware of. I have several correspondent to them. I have reporting information from them that does not match what they are telling you. The company give you the run around and nobody return calls and and give you full detail. After a month and half I was able to talk to someone and the report she give me didn't match what was in their system. They are talking money out my account but holding my funds. If I had 11 invalid checks and 11 was process after that were valid why is my money being held. That make it look like a scam. I have a record from a rep and she could even explain what was going on. They said a guy name [redacted] does everything. But my thing is why they reporting system does not match what I see. I had a payment that was showing paid on my report and when I question the ratio that mention that payment. This was in march I didn't not find out to June because their system was mess up. I question three of the error in the beginning [redacted] told me it was a problem with their system and they fix it. I find out in June it was not fix. I have copies of my reports that I printed and it does match. I had a attorney look at the reporting system. Within that week they updated their system 3 time to try to clear the errors and it still was not matching what they told me.
Sincerely,
[redacted]
Initial Business Response /* (1000, 8, 2015/10/13) */
The merchant signed an agreement in march 2005 for the processing services. one of the fees is the annual processing fee. This fee is deducted at 99.50 each year. since the merchant was active until May 2015, the annual fee is charged. This fee...
is not refundable and cannot be pro-rated.
Initial Consumer Rebuttal /* (3000, 10, 2015/10/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for respionding. I was given two sets of different information last year and this year. When I cancelled in March of 2014, I was told that I would be billed for an additional month and cancelled in April 2014. I then received an update when billed again in 2015, being told that I was erroneously billed and would receive a refund with a month. Three 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 2015. I do not agree with th company, nor their customer service representatives, who have given different information. My initial contact, [redacted] is not longer with the company. I look forward to your decision. Thank you for your time and assistance. Sincerely, [redacted]
Final Business Response /* (4000, 15, 2015/11/11) */
Can the merchant provide proof of cancellation in 2014 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 /* (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 refunded. This was all via phone conversation. Apparently, due to change in staffing, the promise of a refund will not be honored. I disagree with the company's position, but did not request proof in writing at the time.
Complaint: [redacted]
I am rejecting this response because: Not true,EPs rep himself said it was noted in 2013 in my files, just admit you are lowlife leaches with your only intent to sign people up,charge them monthly fees for the rest of a persons life.They wouldn't stop charging to a dead person. Manager at our bank advised us to close our account due EPs 90 charging us fees that they deny. Manager also said we need to talk with fraud detective as they are denying the multiple charges a month
Sincerely,
[redacted]
[redacted] is not listed on this account and has no authority to make any changes on this account. EPS received a cancellation letter from someone other than the personally guarantor on January 04, 2013. This letter was not accepted by EPS because [redacted] did not sign the cancellation letter. If...
the merchant claims they did provide a signed cancellation letter signed by [redacted] in 2013, please provide proof of this letter, and proof of receipt from EPS (as example: signed shipping/mailing receipt, or email acknowledging receipt). The signed cancellation letter our office received from [redacted] was received on May 03, 2016. The account is set to close at the end of the merchants contract term on July 28, 2016. If the merchant would like to discuss this account in detail, I will need to speak with the personal guarantor. I however we cannot discuss the account with someone who does not have permission to speak on behalf of this account.
upon review of the account, the merchant did sign for services in May 2011. The processing agreement is a year to year agreement which auto-renews each year, unless the merchant provides Electronic Payment Systems a 90 Day written notification of the intentions to not renew the agreement for an...
additional 1 year terms per section 3.05 of the merchant processing agreement. The only notification our office received to cancel services was on December 5, 2016. This was received after a phone call to the merchant per his request in a voicemail. The account is set to cancel in May 2017
The merchant contacted our customer service after placing the complaint. The merchant did see some delay in deposits due to system maintenance. The merchant was paid in full on all approved checks.
Initial Business Response /* (1000, 4, 2015/05/21) */
Mr. [redacted] signed an EPS merchant processing agreement through an outside sales representative on September 27 2013. 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 license. On 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 4 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 status. As a customer courtesy The account was placed on seasonal status and reactivated in Feb 2014. On March 3rd, the merchant contacted our office again questioning the billing, the representative reviewed the agreement and the seasonal status request. The 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 2013. The merchant advised he would call back to speak to the manager. The 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 procedure. EPS did finally receive a cancellation letter 09/25/2014 and the contract is dated to end 09/2015. The merchant called in on 05/04/2015 to review these terms again with our management team.
Initial Consumer Rebuttal /* (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 cancelled. And they are still unclear regarding what will happen when th contract is dated to end in September.
Final Business Response /* (4000, 8, 2015/06/08) */
When the merchant called in, they were advised the terms of the agreement signed. This includes the cancellation policy and procedure. The merchant also signed agreeing to, accepting, and understanding these terms when signing the agreement. The Revdex.com also states the EPS cancellation policy and procedure under our review with the Revdex.com. The contract will end in September 2015, at this time the agreement will be complete and no further monthly billings will take place.
On 12/27/2017 the merchant called in and was advised that a refund request would be submitted although the fee charged was for the 2017 processing year, and the account was active in 2017- the fee does apply. The refund is in for approval/review and we feel 30 days is a suitable time frame for...
review and a check to be submitted if approved.
Our understanding is that all documentation needs to be sent in through the Revdex.com. Please send the requested documentation through the proper lines
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]
Complaint: [redacted]
I am rejecting this response because: we were not told we were being turned into collection. I was told the $375.00 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 $99.50 that was not included in the $375?????
Sincerely,
[redacted]
Complaint: [redacted]
I am rejecting this response because: I was told to provide a signature. I did not. Had I been told that my email address would be my signature, I would have withdrawn my permission within the time allowed to withdraw from the contract. I also found out about this because I closed my bank account and had no idea who was billing me - it turned out to be these people. The reason their check didn't get cashed is because the account was closed. I find this all incredibly scammy!
Sincerely,
[redacted]
our records show that [redacted] is not the signer on the merchant account. Due 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.
After the wire to the merchants account we show no phone calls until the merchant was charged the PCI fee of 99.50. We are happy to reimburse you to 99.50 fee charged But we are unable to pay the 22.00 fee for your new checks and a 20.00 bank processing fee (?)
Merchants funds were held, due to him exceeding the allowed return check ratio. The merchants account was taken off of hold and we paid the merchant his held funds. One payment from the 2nd of this month and two payments from the 14th were sent out yesterday and the funds should be in the merchants...
account this morning. The merchants return check ratio is still 5.98% higher than we would like. If the merchant doesn’t continue to bring the return check ratio down, the account will be placed back on hold.
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 me. Sincerely, [redacted]
Initial Business Response /* (1000, 4, 2015/10/12) */
The consumer filing this complaint is not the owner/officer provided on the paperwork. We cannot release information on the merchant account in question to anyone other than the signer of the agreement. EPS is asking the Denver Revdex.com to withdraw...
this complaint.
The merchant notified EPS as well as stating in this complaint that she has disputed the charges at her bank. In doing this the bank is disputing these charges.
I requested our client services review the collections. It does look like the account was requested to be removed some time ago, they are filing a letter now stating that the account has been removed and paid in full. Once this is received, I will forward for your records.
on 01/17/2013 the merchant signed an agreement with Electronic Payment Systems via an esignature agreement ([redacted]) with a sales representative. The agreement was provided to Electronic Payment Systems for approval and the merchant was approved for merchant services on 01/21/2017. The equipment...
did not come from our office, but most likely from the sales representative. I have attached a copy of the agreement and documents from the file.
Complaint: [redacted]
I am rejecting this response because: The information they are giving you is different from the information they have giving me. They told me I process a total of 24 payment and 13 were invalid. They told me I am at 28% and I have to be at 15% or less. Since my account was put on hold I have process a total of 11 payment that they are holding funds for. Their software is very nonfunctional. The error that was made was a problem with in there software that I made them aware of. I have several correspondent to them. I have reporting information from them that does not match what they are telling you. The company give you the run around and nobody return calls and and give you full detail. After a month and half I was able to talk to someone and the report she give me didn't match what was in their system. They are talking money out my account but holding my funds. If I had 11 invalid checks and 11 was process after that were valid why is my money being held. That make it look like a scam. I have a record from a rep and she could even explain what was going on. They said a guy name [redacted] does everything. But my thing is why they reporting system does not match what I see. I had a payment that was showing paid on my report and when I question the ratio that mention that payment. This was in march I didn't not find out to June because their system was mess up. I question three of the error in the beginning [redacted] told me it was a problem with their system and they fix it. I find out in June it was not fix. I have copies of my reports that I printed and it does match. I had a attorney look at the reporting system. Within that week they updated their system 3 time to try to clear the errors and it still was not matching what they told me.
Sincerely,
[redacted]