EVO Merchant Services

Review: Company has been taken money out of my White Cloud Antique Account since January, 2014 of $350.00 for the Mini Market account that was sold in May of 2013. Their representative ([redacted]) closed the account at the end of May 2013. EVO claim the account was never closed. I was with their representative [redacted]) when he faxed the information. They want me to come up with proof that it was faxed, but even if I ever find their representative [redacted]) it won't help, because the representative, I talked to today said he may have faxed it to the wrong place (can't win). The new owner signed up on that same day with their representative ([redacted]) to continue EVO's services. EVO claims the account was never closed and had me email a letter last week 7/**/14 to close the account. I tried to contact their representative ([redacted]) for the last 3 month, but the phone number they gave me is not correct. It just rings and rings. I called EVO 4 times now and was told they would work on getting my money back, but today when I called, she said the Mini Market account was closed now and they will only refund me $22.50. What I don't understand these charges started coming out January *, 2014. If the Mini Market account was not closed, I should have had charges since last June of 2013? Also they had no right to take the money out of the White Cloud Antique account???Desired Settlement: I would like my money back that had to do with the Mini Market, because I never authorized for them to take the money out of the White Cloud Antique account and I know that the representative ([redacted]) closed the Mini Market Account. Somehow that account was re-opened in January of 1014.

Business

Response:

In reference to the Revdex.com response below the merchant has 90 days to dispute any billing errors from the time that the error was noticed per the

terms and conditions of their contract. Since we are just receiving this notice we will settle this matter by issuing the merchant credit for the monthly

fees that occurred over the past 90 days. The total of the credit will be in the amount of $105.50.

Since the bank account for the Mini Market is closed we will credit the funds to the White Cloud Antique bank account which is also part of the terms and conditions of the merchant’s contract. The merchant should see these funds in their account within the next 2 business days.

White Cloud Antique was the new contract that this merchant submitted in May of 2013 due to a change of Legal Name, same owner. The cancellation letter for the Mini Market

was not received until July **, 2014. The account was closed without an early closure fee on July **, 2014. We do not have any record of receiving the closure request prior

to July **, 2014. We value our customers and we hope that this is a satisfactory resolution.

Sincerely

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

They owe me the whole amount starting Jan. *, 2014. The account was closed by [redacted] Merchant services representative. The account was signed over to the new owner of the Mini Market. I did not have any equipment in that store as of 6-**-13, the day he closed the account by phone. I did not know that Merchant solution took out money for the Mini Market account, until about a two month ago when I called to complain about the charges. The statement does not show the Mini Market. The equipment for the Mini Market was send back to Lease Finance Group on 7/*/13 and I issued a check to Lease Finance Group for the payoff of the lease. Attached is the letter that was faxed to Lease Finance Group on 6-**-13.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

*

Business

Response:

In reference to the Revdex.com Rebuttal, the merchant only notified her sales rep of her request to cancel. EVO Payments was not notified in writing 90 days prior to

cancellation per the terms and conditions of the contract. In addition the leasing is a separate agreement from the credit card processing agreement.

As a concession we will reconsider and issue a credit from January to April 2014 in monthly fees which totals $188.00. This credit should reflect in the merchants checking account on file within 48 hours. We value our

customers and we hope that this is a final satisfactory resolution.

Sincerely

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Evolution Bankcard called and solicited my credit card processing business on the telephone. [redacted] was my contact. He told me there were no charges except for the low rate .0275. I was emailed the contract and I called back to ask about the rates quoted on it..."I took care of all that."...so I signed and sent it back. My bank account was charged a minimum $24.95 each month including April, interesting as I signed the contract 4/**/14 and did not receive the card swipe until 2 weeks later in May. I called many times to complain. I asked to speak to a [redacted] the second time I called and the person told me he had cleared everything we had discussed with his [redacted]. The next time I called, a week later for the same complaint I was told there were no account notes on my account. I cancelled my account the middle of July and was charged $54.86 for which I had no activity in July, when I called and asked about that charge I was told Visa, Master Card and Discover charged a cancellation fee. I am tired of being lied to and money being deducted from my bank account. I was told I would receive my statements by mail..I got (1) only, when I asked about that today 8/**/14 I was told they were available on line, this was after I requested paper statements.Desired Settlement: Make sure this account is close for good. I don't believe anything they tell me.I'd be happy to get a refund for the April service fee $24.95 because I signed their contract the [redacted] of April and was not able to use the card swipe until the middle of May.

Business

Response:

We have forwarded the complaint to Commerce Payment Systems and the response is below.

Sincerely

In response to this complaint. First on behalf of Evolution Bankcard I would like to apologize for the inconvenience this has caused you.

After speaking with [redacted], I explained in detail on why his bank account was charged and also apologized for the inconvenience. All rates

and fees were charged as per contract.

As courtesy a full refund has been issued for the dispute amount of $24.95. This refund will post back to your bank account within 48-72

hours to the bank account we have on file. Please be advise that your merchant account has been officially closed.

Evolution Bank Card values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if

it does not please feel free to email me at [redacted], or you can call me directly at ###-###-#### and ask for me by name.

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]I fail to see the response regarding the way the whole situation was handled. What is the business going to do about the lies told to me over and over again. On subsequent calls I was told there were no Notes on my call log, why. When I'm told "this has all been cleared with my [redacted]" that is exactly what I expected as was the case when I called after my account was charged $24.95 (less some tiny amount if I used the service) monthly fee for 4 months. I agreed to the statement fee of $4.95 the credit card % processing fee ie .0275% and that was all, that never happened.

I honestly didn't expect Revdex.com to be so efficient on this matter, Thank you so very much.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

This has been forwarded to Commerce Payment Systems and their response is below.

Thank you

I contacted [redacted], we both concluded that there were a tremendous amount of misunderstanding and miscommunication.

The fees were charged as per contract but she was under the impression that the month end fees were to bee waived but I

explained that they are listed in the contract.

In effort to put this issue aside, another refund of $54.00 which should post within 24-48 hours.

Evolution Bank Card values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if it does not

please feel free to email me at [redacted], or you can call me directly at

###-###-#### and ask for me by name.

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

[redacted] and I discussed at length all the misrepresentations presented to me before and during my attempt to do business with this company. I think he finally got the whole truth and understands the need to address this type of strong arm sales, you can't say one thing and do another and charge for it.

Thank you Revdex.com in your timely action taken with my complaint. [redacted]

Review: In August of 2013, I sent a letter via fax, to EVO merchant services. In this fax I indicated that I wanted my contract to end in August of 2014 when my contract ended. Since 8/**, I have been continued to be billed. I have the letter and fax confirmation that it was received.Desired Settlement: I want all fees collected since August of 2014 refunded and my contract cancelled, with no termination fee.

Business

Response:

In response to the Revdex.com complaint, the merchant opened an account with EVO on 08/**/2011. The contract terms are 3 years which includes 1 year successive renewals if EVO is not notified in writing within 90 days prior to the expiration date of the contract. The merchant never sent in a cancellation request via email, mail, or fax to EVO. We contacted the merchant upon receipt of this complaint and she was unaware of this Revdex.com Complaint. The merchant stated that her sales rep[redacted], submitted the Revdex.com Complaint.The merchant also stated that she submitted the cancellation request to [redacted] rather then EVO. The merchant has been advised to send in a written cancellation letter and acopy of the fax confirmation of the original request from Aug. 2013 to fax# (###-###-####) or email address ([redacted])Once the requested documentation has been received then the account will be reviewed for any possible reimbursement of fees and the account will be closed.Sincerely[redacted]

Review: Employee Dylan cold called our business and I, 99% of time don't respond to these calls. Unfortunately, I did this time. I proceeded to tell him that I only need to process a credit card charge once or twice a year. I have never had a processor for this business. He said, You need to have a credit card processor! He fast talked about how inexpensive it would be for me. After, 6 months, annual fees, service charges, this and that fees, I have paid over $500 in fees. on Febraury, I sent this email from my last email correspondence email chain:

"Hello [redacted],

I would like to cancel the following account ID#[redacted], Terminal ID#[redacted] as I have never used the equipment except on the phone with EVO to do a test. I have the unused equipment and the box it came in. I would like to have the annual fee refunded as well.

Please instruct as to what I need to do to make sure the account is completely closed.

Thank you,

Julie B[redacted]

This is the response I received,

Good Morning,

Please return the equipment to the below address:

EVO Merchant Services

Region [redacted]

You will need to provide us with the tracking number used for shipping.

The request to close your account has been sent for processing.

Best Regards,

This came from an Andra C[redacted]

I just received a termination fee of $395.00 which she didn't out of courtesy inform me of.

I am very upset as, one Dylan sold me something I absolutely didn't need as I could

have signed with another company that does charge but per credit card charge.

I would like the fee to be waived as I was duped into believing this would be a low cost form of merchant processing for my company.

Thank you,

Julie B[redacted]Desired Settlement: Refund the annual fee and refund the termination fee.

Business

Response:

This is in response to complaint from ATLANTIS INDUSTRIES LLC (MID [redacted]) located at [redacted] Revdex.com notification dated Wednesday, February **, 2016

EVO Merchant Services sales office is issuing a credit for the Early Closure fees in the amount of $395.00 and the Annual Fee of $97.00 on this account. This account has been closed.

Total fees of $492.00 collected for the Early Closure fees and Annual fee have been refunded.

We hope that this resolves all concerns and we apologize for any inconveniences that this may have caused.

If you have questions please let me know.

Sincerely

Eileen M[redacted]

VP Client Services

EVO Payments International

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Julie B[redacted]

Review: I signed on with EVO to have them process my credit cards for 2 companies. I was told that there was no contract term. When I cancelled the services because of the sale of my businesses, I was charged $295 for each business.Desired Settlement: Refund the $590

Business

Response:

This is in response to the Revdex.com

complaint from Royalty Inn MID [redacted]

and Royalty Athletic Club MID [redacted]

The merchant began processing

with us July 2012 for a 36 month term.

We received notice to close both

accounts on July **, 2013

as the business was sold.

There was 24 months remaining on the

contract and the new owner

elected not to take over

the processing on these

accounts. Therefore each account was

assessed the early closure fee of $295.00 according the terms

of the contract signed by the

merchant.

Nowhere on these contracts is it

written nor was it implied

that there was no term on the

contract.

We regret losing the accounts but the fees are a valid obligation.

Sincerely,

EVO Payments International

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Review: They admitted to making 2 mistakes and have about $800 of our dollars. They have assured me it will be refunded, but 3 weeks later, over 10 hours on the phone, 13 phone calls and 9 different agents it is still unresolved. It is greatly affecting our ability to do business.Desired Settlement: We want the money they assured me would be returned to us. Deally compensation for the lost time and bad report this has created between us and our angry vendors.

Business

Response:

This is in response to the above complaint. The merchants bank account on file was updated on 1/**/2016 and all funds began being deposited on that date. Although there was a delay in updating bank account information, the merchant continued to receive all applicable deposits to their old bank account and continued to write checks against that account. Because all funds were properly deposited, any fees issued by their bank had were not the result of EVO not depositing funds.

We there will not be reimbursing the merchant for any fees. We do regret the inconvenience.

Sincerely

Eileen M[redacted]

VP Client Services

EVO Payments International

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

We are not asking for FEES to be paid to us. We had a bank account go negative, we asked them to change it 1/*/2016 as you saw on our initial paperwork so we would no longer have funds deposit into a negative account. On the day it was supposed to switch, (1/*/2016), it did not, and we lost hundreds of dollars AFTER it should have changed. We are asking for the money we lost after that date, not before that date. Additionally, their response is FLASE, we sent bank screenshots showing that deposits did not start until Jan [redacted]. 18 days past their 3 to 5 day timeframe from the paperwork we filed on 1/*/2016 to change the bank account, per their policy. They keep responding to us without aknowlegeing the first paperwork we filed on 1/*, that they ADMITTED was the wrong paperwork, on 1/*. They promised me on 1/* that we would be made whole and now they are acting like they did notig wrong. This is insane!

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Dear [redacted],

I am the Vice President of Client Services for EVO Payments International, LLC (“EVO”). On behalf of EVO, I am responding to the complaint filed with your office on 01/29/2016 by Brave New Books (MID [redacted]) located at [redacted] (the “Complaint”).

On or about 05/**/2015, Brave New Books signed a Merchant Processing Agreement (“MPA”) with EVO in order to process credit card transactions for its customers. In accordance with the MPA, Brave New Books designated a bank account, which was on file with EVO, for the deposit of Brave New Books’ funds from its customers credit card transactions.

After receiving the Complaint, EVO conducted an account review of Brave New Books. EVO’s review shows that all funds due to Brave New Books were deposited into the bank account on file designated by Brave New Books (the “original bank account”). On or about January *, 2016, a representative from Brave New Books requested that EVO update its designated bank account on file. After verifying the new account information, EVO updated Brave New Books banking information effective January **, 2016 (the “new bank account”). From that point forward, all funds were deposited into the new bank account.

Brave New Books has complained because from the date Brave New Books submitted the change of bank account request form (January *, 2016) through the date it was processed (January **, 2016) EVO deposited Brave New Books funds into the original bank account, rather than the new bank account. Although EVO acknowledges that the time to update Brave New Books bank account was longer than anticipated, both EVO’s records and the bank account statement provided by Brave New Books demonstrate that all funds due to Brave New Books were deposited and settled into the original bank account.

Accordingly, although EVO regrets any inconvenience caused by the time it took to update Brave New Books’ bank account information, Brave New Books has not suffered any monetary loss and received all batch deposits made to the original bank account on file with EVO.

I trust that this resolves the Complaint. Should you have any additional questions, please feel free to contact me.

Sincerely,

Eileen M[redacted]

VP Client Services

EVO Payments International, LLC

Email: [redacted]

Phone: ###-###-####

Review: We are contacted by [redacted], a representative from evolution bankcard, who often us credit card processing at rates that would be one quarter of 1%.When we asked him point-blank that the charge and be example $.25 on a $100 charge his reply was "yes".We specifically asked if there would be any additional charges as replies was no. He also said there's normally a $4.95 monthly fee but they would waive that.Once again we specifically asked are there any other charges associated with this in the response was no.We are seasonal business and only have charges during the months of January February March and early April. By mid-March for received our February bank statement we noticed that the charges were ranging in the area of 8 1/2%.We immediately contacted this service provider was told they would contact us with some restitution. No refunds were credited. When we called again recently they informed us that they made reductions to our rates that were effective April.We once again explained to them that we're seasonal and majority of our charges had a ready past. We expected I Redrac it reduction in our rate back to our initial charge which was January ** and did not post on our account until February *I recently spoke to Spoke to [redacted] , In the organizations customer service department, on May **.She informed me that based on our previous call our rates were reduced effective April *, 2014.I explain the rates were supposed to be lower from the beginning of time.She resubmitted the request to lower our percentage fee and variants fee to Decimal .25% and decimal .13%.Also submitted a request to eliminate the $4.95 statement fee and the $99 annual fee[redacted] said we should expect to hear from a manager within 48 to 72 hours.If not we should recontact her at the following phone number###-###-####, press option one for her department and request her.Desired Settlement: As of June * we had not heard from anybody and once again contacted the organization.When we ask for [redacted] based on the phone number provided in our earlier conversation we were told no [redacted] worked there.We're informed by [redacted] another representative that they credited us $99 (but have not yet verified that our bank statement) but we're not giving us credit for the excessive charges that we had requested. We request a net refund of $500.00 (including the $99 referred to above).

Business

Response:

EVO contracts with independent sales organizations (“ISOs”) across the country to market its services. One of the ISOs that EVO contracted with to market its services is Commerce Payment Group, LLC (“Commerce”).

Commerce is a separate corporate entity from EVO. Other than employing the use of EVO’s name, EVO does not have contact with Commerce’s merchants. Commerce is the first line of contact with its merchants and

manages the business relationship with its merchants. EVO merely processes credit card transactions. Based upon this information, we respectfully request that this complaint be removed from complaints against EVO, and properly addressed to commerce. I have forwarded the complaint to them and have provided their response below.

Thank you for your consideration.

Sincerely

First and foremost, we want to apologize to [redacted] on behalf of our company. We’re sorry for any inconvenience, that this may have caused. Not sure if this was due to a miscommunication or not, but we’re stepping up to the plate, and processing a partial refund. A $99 refund for the PCI Fee was credited back in May. We’re also going to process a second refund today in the amount of $67.42 which represents statement and gateway fees charged to this account. The merchant should see this second refund, within 1-2 business days. The total refund approved as per their agreement will be $166.32.

If you have any further questions or concerns on this account, please feel free to contact me.

THANK YOU,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The vendors response to refund $166.32 is inadequate.

As a small merchant I had a total of $6261 of credit card charges during the months of February and March and one single transaction in early April.

The bankcard processing fees associated with those charges totaled $550.91, Which works out to 8.8%.

We were told by the representative our total charges would be one quarter of 1% and there would be no other charges and there will be no monthly statement fees.

At a rate of a full 1% (four times The quoted rate) my charges would total $62.61. To expedite settlement of this matter, I'd be willing to accept that 1% rate which wouldn't require total credits to me of $488.30. As such, I expect a refund of an additional $321.98 on top of the $166.32 that was previously approved.

Thank you for your assistance in this matter.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We have forwarded this to Commerce and can advise of the following.

Commerce had reached out to the merchant and discussed the rate schedule on the contract that resulted in the discrepency of fees billed. Commerce and the merchant agreed to a settlement of an additional credit of $242.47 which has been refunded back to the merchant. In addition the account is closed and no early closure fee has been assessed.

We trust this resolves the matter.

Sincerely,

Review: We have tried for months to close our 3 accounts and this company kept avoiding it and continuing to charge us. They would tell us they just needed a signature and a fax. Then they needed a better signature. Then they needed a copy of the license to prove it. We were delayed months before they would finally take care of it all and it still has not been done. We are being billed over $1000 for services we haven't used! This company has awful customer service.Desired Settlement: I want my accounts cancelled and refunded.

Business

Response:

In response to the attached complaint, we have contacted [redacted] for resolution. We have closed his 3 processing accounts, numbers [redacted] and [redacted]. We are willing to issue him credit representing December, January and February fees for a total of $676.25 however, he must return the credit card terminals that were given to him as free loaners. Once we receive the equipment a credit will processed. [redacted] was left a message to advise of this. He may contact [redacted] at ###-###-#### to arrange for return.

Sincerely

EVO Payments International

Review: The company told me no contract. Just month to month fee. When I sign application with them . They instruct me and push me to electronic sign it. leave me no time to read the terms. I canceled my application within 3 days. I never received the machine.no transation occured. Evo merchant services unauthorized withdraw 395.00 from my bank for earlier termination fee. I request refund. They refuse to refund me.Desired Settlement: Refund

Business

Response:

This is in response to [redacted]. ([redacted] Revdex.com complaint notification. The account was opened 4/*/2015 then on 04/**/2015 the merchant requested the account to be canceled.We have issued a credit of $395.00 for the early closure fee billed to satisfy the customer complaint since the that [redacted]. requested cancellation of their contractaccount was requested to be closed within three business days of signing the contract.We apologize for inconvenience and trust this resolves the complaint.Sincerely[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: 6/*/14 I signed up with this company on a 90 day free trial (wasn't on an inter-change plan). I was told there was no monthly minimum, statement fees, and so forth (all jargon included). I received some swipers with them because they advised me to open up 2 accounts for the services my business provided. The swipers didn't work with my phone (turns out Verifone is mostly for Apple products). So, they sent me another swiper. Upon calling and asking if I could receive a current tracking number for the new device being shipped (because they shipped the new swiper under the older tracking number, so every time I would check it would say already delivered) I learned I wouldn't be able to process any payments because they wanted a copy of my business phone bill. I have an IP business number, so there is no bill associated with it. They told me I couldn't process any transaction, and that my personal cell phone bill would work just fine. My personal cell phone in no way, shape, or form has anything to do with my business. I didn't give them my bill and canceled the service 7/*/14. 7/*/14 I find out from my bank that my account has been charged two $15 payments for monthly minimums. My so-called sales rep [redacted], lied to me about everything he was doing for my case. Lied to me constantly about getting back to me concerning my phone bill. Would lie and say he would call me before the day's end, and never did. I believe he did nothing, and even said it would be silly to lose an account over the need of a phone bill.

To me, this is just an attack on my business. They wanted my phone bill, which I didn't give them. Lied to by the sales rep about anything he was doing for my case (in my opinion). I never ended up using the service in 3 weeks because I couldn't process any payments to my bank account.

I'm a new started business in IL. I didn't have a bunch of money in my account because I don't have the customer base yet. Because of the charges I am now negative $24 in debt. I will never, EVER, support this business again. And I will be sure to spread the word about the practices of said [redacted] (sales rep) and Evolution BankCard/Evo Merchant Services Inc.Desired Settlement: I want my $30 back. Charged $15 for each account I had. I just want the money back. If this can be resolved, then maybe I'll change my attitude.

Business

Response:

The electronic bank card industry is regulated by, among other things, Visa and MasterCard Rules. In order for a company to market merchant processing services in its own name, the company must be registered

with Visa and MasterCard. If a company is not registered with Visa and MasterCard, it must market the processing services under the name of a registered company. EVO contracts with independent sales organizations

(“ISOs”) across the country to market its services. One of the ISOs that EVO contracted with to market its services is Commerce Payment Group, LLC (“Commerce”) DBA Evolution BankCard. Commerce is a separate corporate entity from EVO. Other than employing the use of EVO’s name, EVO does not have contact with Commerce’s merchants. Commerce is the first line of contact with its merchants and manages the business relationship with its

merchants. EVO merely processes credit card transactions. Accordingly, if a merchant complains of a misrepresentation, etc. that complaint is properly addressed by Commerce, because it is Commerce’s sales person who had to contact with the merchant. In fact, the Merchant Agreement specifically states that merchants cannot hold EVO responsible for representations made by ISOs. EVO does not believe that it is fair for EVO’s reputation to be tarnished by the actions of ISOs because they are independent from EVO,not employees of EVO. Based upon this information, we respectfully request that this complaint be removed from complaints against EVO, and properly addressed to Commerce. However, we have contacted them and below is the response.

Sincerely

[redacted]l

First on behalf of Evolution Bankcard I would like to apologize for the inconvenience this has caused you. After carefully reviewing your merchant account, all rates and fees have been charged as per contract. In effort to put this issue aside, a full refund has been issued for the dispute amount of $30.00 Please expect refund to post to the bank account we have on file within 48-72 hours. Evolution Bankcard has made an executive decision to

terminate both of your merchant account due to the misunderstanding on the merchants end on what and how fees are to be charged also in effort to avoid any future filed complaints. Evolution Bankcard values your business and truly apologizes for this inconvenience. We truly hope this satisfies your issue, if it does not please feel free to email me at [redacted], or you can call me directly at ###-###-#### and ask for me by name.

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I spoke to [redacted] from Evolution Bankcard about their services they offer. I was looking for a company that could integrate my UPS account into my website for more accurate shipping costs. She said that they would be able to make that happen, e-mails listed below. Based on what she wrote to me, I signed up for the services. She then forwarded me onto to their tech services department, who stated that they cannot perform that process. I reached out to [redacted] to see if they could perform the process, they cannot either. I then spoke to the tech services [redacted], who stated that I would need to take care of the implementation. I didn't start the process with Evolution Bankcard for me handle the integration process. They said they would be able to handle it. After my last e-mail to tech services, I decided that Evolution Bankcard is not a adequate fit for my company. I wrote an e-mail to cancel any further progress on my account. My two accounts had not been online, since I had not finished with the underwriting team. However my account was charged and I had not been set up or been with them for a month. I sent an e-mail on 2/*/2014 and received a phone call from a representative on 2/**/2014. She said she would take care of the money, which she said should not have been deducted and a customer service agent would contact me to close my accounts. I didn't receive any phone call from a customer service representative, however, I did receive an e-mail on 2/**/2014 from [redacted] inquiring about my progress in setting up the service. I sent her back an e-mail on 2/**/2014 , "[redacted], I am unsure why I am receiving this e-mail. I have attached the e-mail wishing to cancel my services. It was sent to you on 2/*/2014, which I have attached." I called on 2/**/2014 to talk to customer service, they said I needed to fill out a form to close the accounts. He also mentioned that they would reimburse my account. I sent back the cancellation forms on 2/**/2014. I noticed on 3/*/2014, Evolution Bankcard removed another $24.95 and $15.00 for services NOT rendered. I talked to [redacted] from Evolution Bankcard for this situation to be resolved, she cannot put this in writing and I was forwarded to a [redacted]s answering machine. I left a message with no reply.

From: [redacted] [mailto[redacted]] On Behalf Of [redacted]

Sent: Friday, February **, 2014 7:26 PM

To: '[redacted] [CPS]'; '[redacted] [Evolution Bankcard]'

Subject: RE: A Natural Cleaning Company (Retail) - [redacted]: Welcome to Evolution Bankcard!

Importance: High

I have noticed that my account has been billed for services not yet provided. I have not yet given your underwriting team the following information for either service (website nor mobile):

• A fully functioning website with a refund/return policy, shipping and contact information

• Proof of inventory (purchase orders) - photos will be accepted only in the case of handmade stock

• A bank verification letter, attached, to be completed and signed by a banker and returned to us

• A copy of my business telephone number.

I sent back an e-mail on 1/**/2014 about my concerns that your team was able to complete a task, which I have learned evolution bank is not capable of committing too. I signed up under those specific conditions, which I have attached. I am now canceling for those reasons. Please cancel my services and I would like a refund for services that have not been rendered.

My account was deducted on 2/*/2014

• Authorization: $0.65

• $15.00

• $24.95

My account was deducted on 3/*/2014

• $15.00

• $24.95

SUPPORTING DOCUMENTATION

From: [redacted] [mailto[redacted]] On Behalf Of [redacted]

Sent: Friday, January **, 2014 11:02 AM

To: 'custservice [CPS]'

Cc: '[redacted] [Evolution Bankcard]'

Subject: RE: Webiste Shopping Cart Development

Hi [redacted],

At this point in time I don’t have the funds to purchase a shopping cart which is $1300. The shopping carts already have the UPS integration. I was under the impression that your company would handle this for me, based on the e-mail below. The shipping accuracy on my website was the major draw to your company. I need to re-evaluate my decision with evolution bank.

UPS Documentation

“UPS highly recommends that a member of your IT department or a third-party developer creates and integrates the Application Programming Interface (API) into your e-commerce website or existing application.

If you need assistance from a third-party developer, the UPS Ready® Program can provide you with a listing of integrators and development companies that have built UPS functionality directly into existing shipping systems.”

E-commerce

Thank you for your time,

[redacted]

A Natural Cleaning Company, LLC

###-###-####

From: custservice [CPS] [mailto:[redacted]

Sent: Friday, January **, 2014 10:50 AM

To: [redacted]

Subject: RE: Webiste Shopping Cart Development

Hi [redacted],

Can you send us the list of the companies that UPS provided? Also, once you get a compatible shopping card with UPS integration.

The Shopping card provider will walk you through step by step.

THANK YOU,

[redacted] Caban

Commerce Payment Systems

[redacted]. Tel: ###-###-####

Dir. Fax: ###-###-#### [redacted]

From: [redacted] [mailto[redacted]] On Behalf Of [redacted]

Sent: Friday, January **, 2014 1:11 PM

To: [redacted] [Evolution Bankcard]

Subject: Webiste Shopping Cart Development

[redacted],

Thank you for the applications. So I talked to your support team and they mentioned getting in contact with UPS and setting up API’s. UPS strongly suggests that I get a third party web developer to integrate the API’s. UPS has list of ecommerce companies that perform this task. Long story short, I contacted Auhorize.net and they do not integrate with UPS. The integration needs to happen on my website through my shopping cart. At this point in time, My shopping cart doesn’t have the capability of integrating with UPS.

Does your company provide a shopping cart? If not I will need to find a shopping cart solution that has UPS integration. I also need to understand the tasks that your company will complete with in my website?

Thank you,

[redacted]

A Natural Cleaning Company, LLC

###-###-####

From: [redacted] [Evolution Bankcard] [mailto:[redacted]]

Sent: Friday, January **, 2014 8:45 AM

To: [redacted] Subject: RE: How to evaluate credit card processors

Best Regards,

[redacted]| Account Executive

Toll Free : [redacted]

Direct : ###-###-####

Cell : ###-###-####

Fax: ###-###-####

[redacted] From: [redacted] [mailto[redacted]] On Behalf Of [redacted]

Sent: Friday, January **, 2014 11:36 AM

To: [redacted] [Evolution Bankcard]

Subject: RE: How to evaluate credit card processors

Importance: High

[redacted],

I am a bit concerned about information I just received from your tech support. I had asked you if your team was able to link my UPS account through your service to insure more accurate shipping cost. Your tech support team said they were not able to do this. This is the direct opposite of what you had submitted below. Please let me know, at this point I may need to look for another processing company.

Thank you,

[redacted]

A Natural Cleaning Company, LLC

###-###-####

[redacted] from: [redacted] [Evolution Bankcard] [mailto:[redacted]]

Sent: Thursday, December **, 2013 1:30 PM

To: [redacted]

Subject: RE: How to evaluate credit card processors

Hi [redacted],

Yes we can. You can run [redacted] through your website processing with my company instead of PayPal and then have your ups account linked. It is a accurate processing software, as well as a lot cheaper.

Happy Holidays,

[redacted]| Account Executive

Toll Free : [redacted]

Direct : ###-###-####

Cell : ###-###-####

Fax: ###-###-####

From: [redacted] [mailto[redacted]] On Behalf Of [redacted]

Sent: Thursday, December **, 2013 3:43 PM

To: [redacted] [Evolution Bankcard]

Subject: RE: How to evaluate credit card processors

[redacted],

Does your company offer the ability to link my UPS shipping account to your service? Calculating shipping cost in my website and paypal is arduous and inaccurate.

Thank you,

[redacted]

A Natural Cleaning Company, LLC

###-###-####

[redacted]Desired Settlement: I would like my account closed and my money refunded

My account was deducted on 2/*/2014

• Authorization: $0.65

• $15.00

• $24.95

My account was deducted on 3/*/2014

• $15.00

• $24.95

Total = $80.55

Business

Response:

This complaint was forwarded to Commerce Payment Systems, DBA Evolution Bank Card, and here is the response.

Sincerely,

EVO Payments International

First on behalf of Evolution Bank Card I would like to

apologize for the inconvenience this has caused you.

Review: My husband and I own [redacted] a online retail business and we use authorize.net gateway with e-dataonline to collect credit card purchases. In March of 2014 we received fraudulent transactions in the amount of 345.18, 400.67, and 339.48. Two credit card charges from [redacted] and one from T[redacted]. We were not aware of the fraudulent transactions until April when we noticed the money had been taken from our business account. My husband called e-data online and they told us what happened and that the paperwork would be sent to us. My husband appealed the first charge and sent in paperwork, however we had not received any notice from e-dataonline and had assumed because we had not been notified and the money was NOT credited to our account we had lost the money. That being said all charges were taken out of our account , we were not happy, but the issue was done. However, on July [redacted] 2014 I received a notice of insufficient fund in our business account, the first time ever, so I contacted my bank and was advised Deutshe bank tried to take the 345.18 from our account( bank that owns EVO and e-dataonline) for the chargeback AGAIN! So I called the bank and they gave me the EVO number because they handle credit cards for the company chargebacks. I called and spoke to the nastiest customer service representative ever. She said we had won the appeal and the 345.18 had been credited to our account and they were collecting again because the customer had countered. I informed her this was the first I was told we were credited the amount and that this credit was NEVER given to us. She proceeded to inform me not to yell at her and then hung up. This type of customer service continued with the second a third rep I spoke to at their company gettinng different information regarding this transaction from each person. Next day I contacted e-onlinedata left them a message and they called me back. First guy had no idea why they tried to collect again and transfered me to another person who informed me they didn't know either. I questioned this representative about the billing reserve, what it was and how it works. He informed me we had a 10 percent reserve that had 202.00 in it and these funds are used as a buffer for chargebacks. He apologized for not being able to give me more information, but said his access to information was limited, he said he would tranfer me to someone in that department. He transfers me to a guy at EVO, I explain to him the transaction, and he informs me we were suppose to have gotten credited the amount but our bank rejected it. This makes no sense they deposit and take funds out of this account!! He said we were owed the money and he would transfer me to loss prevention. Loss prevention NEVER ANSWERED the phone I was on hold35 mins before ending call! Next day I call again and this time I am told the credit was placed in the reserve account. I asked if the credit was placed in this SO CALLED reserve account, how come there is only 202.00 in it? she said money was taken out of the reserve account because a transaction didn't go through my bank. I asked when this supposedly happened and she said May **,2014....my bank statement disproves this we had plenty in the bank at that time and nothing would have had a problem processing! I asked if the money (345.18) was credited to the reserve account, Where is it? and Why would the money not had been taken back from there? Well she sends me to loss prevention that should be able to help me, they are too busy to speak so she tells me to call them back and gives me the extention #. I call back and the Lady says she does not have time to answer my questions, she didn't have my paperwork, had other customers to address and she would send me an email , but would not answer questions until I got this email. The email was a link to the online portal listing my transaction, information I had already looked over several times! Before the day was over another loss prevention person called me and informed me my account was frozen and if I wanted it fixed I would have to send her my bank account balance. She also said she would email me information about my transactions. The first lady in loss prevntion confirmed my email incorrectly, so I'm not sure how many private emails this address was sent, it was not my husband or I. She also asked how to spell my name (first name after I corrected her and told her my email address was my first and last name. After this incident I pulled all our statements from authorize.net, EVO/E-dataonline and all of my personal banking statements and found many mistakes! The month of April EVO/E-data online was suppose to deposit our account 124.32 for sells and did NOT. In May our account was suppose to be charged 37.70 and we were billed 113.04, and in June we were deposited 260.15 it was suppose to be 289.06. Some percentages charged are not correct. No one can explain these statement errors and I have never dealt with so many rude and clueless customer reps in my life. I believe our personal finance information has been sent to the WRONG email address they had on file. I do not trust these two companies with my money or personal information.Desired Settlement: I would like my 3 year contract with EVO/e-onlinedata terminated and all termination fees waved. I would like my 29.00 insufficient fund charge reimbursed to my bank and any money that belongs to our company in the reserve or elsewhere returned.

Business

Response:

In reference to the Revdex.com complaint, the account is being credited $29 to reimburse for the NSF fee, and the account closed without an early closure fee. The 10% reserve will

be removed and $202.00 will be released. The $29.00 credit will be reflected in their bank account by 08/**/14 and the $202.00 reserve will be reflected in

their bank account by 08/**/14. We apologize for the inconvenience and our sincerest apologies go out to our valued merchant. We regret losing you as a

customer. Should you reconsider doing business with us in the future, we would welcome the opportunity.

Sincerely

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. However, this company should invest in better customer service reps that are up front with fees related to the services, the reserve account and be able to provide the customer with detailed information in regards to issues they may have with their accounts and in a friendly manner. I think it was very unfortunate that I had to file a complaint when all this could have been settled with one of the 12 or so reps I spoke to.

Sincerely,

Review: I spent weeks setting up a merchant account with Evolution Bankcard for my company. I spoke with several people regarding the account. I hesitated in providing the phone call authorization and for good reason. After all the promises about how much money they could save me on credit card transactions they failed to mention there would be a third party company processing the transactions (which came along with a hefty percentage of their own). Then I receive three months of charges (keep in mind I haven't finished the set-up authorization phone call they require. And they charge us for TWO separate accounts which was NEVER discussed; one for keyed in transactions and one for swiped, which I told them we never do. THEN, we get charged $99 TWICE, one for each of the two accounts they set up for the mandatory government charge of which I was never notified on. When I request this all be cancelled they tell me that there will be NO refund since the account was opened when we sent info in, NOT when the confirmation calls are done. SO even though we NEVER used there services because I hadn't completed the process they STILL charged us three months of charges, for TWO accounts PLUS the government charges. I have left messages with [redacted] to discuss this matter and continue to ask for my refund and NOONE has ever returned my calls. I find there practices unethical and certainly unprofessional. There was no fine print that stated any of this. It wasn't until I received the fine print info from the third party (Authorize.net) that I discovered the additional party involvement and the additional fees. Had I been advised verbally or in writing of any of this I would have never continued and would have just stayed with our current merchant services provider. I should have known from their persistent calls in the beginning that something was off, but I was lured by their promises of such low charges. We are a small business and the loss we've had over this in fees as well as man hours hits us very hardDesired Settlement: I want the following charges reimbursed:11/*/13 $20.00 Disc #[redacted]11/*/13 $20.00 Disc #[redacted]12/*/13 $119.00 Disc #[redacted]12/3/13 $119.00 Disc #[redacted]1/*/14 $20.00 Disc #[redacted]1/3/14 $20.00 Disc #[redacted]Totaling $318.00The Disc #'s mentioned above are the reference numbers on our bank statements.

Business

Response:

We had forwarded this complaint to Commerce Payment Systems, and have their response below.

EVO Payments International

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

Review: Been receiving false fees and charges for 5 years since cancelling their service!

We stopped doing business with them back in 2010. In 2013, they started charging us fees despite not having used their service for three years. In 2014 an employee officially cancelled service with the company. Then, in 2015, they sent an early termination fee. People reading this may wonder why it’s taking so long in between notices and cancellations. There’s a good reason for that. They sent the bills to an address that hasn’t been used by the company in 13 years! They were told that and were given the updated address, but they still turned it over to a collection agency who had the audacity to put this on owner’s personal credit report! We have paid the early termination fee (mainly to appease them to find common ground, but they haven’t budged). Needless to say, we highly regret doing business with Evo International.Desired Settlement: We want them to have their collections agency to remove the negative claim on the owner's credit report.

Business

Response:

This is in response to Bargain Beds attached complaint. After account review it was determined their processing account was submitted to [redacted] party collections for non- receipt of payment totaling $128.90.

As of 02/**/2016 EVO International Payments has been notified by 3rd party collections that BARGAIN BEDS has paid in full owed balance of $128.90.

As merchant has requested all negative information is being removed from their credit report within 30 days by the 3rd party collections agency.

The merchant has been notified of resolution.

Sincerely

Eileen M[redacted]

VP Client Services

EVO Payments International

Consumer

Response:

The item has been deleted from the owner's credit report.I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We originally sent the paperwork to open this account on September *, 2008. I still have all the dated and signed information.

I contacted EVO customer service on August [redacted] 2015 to cancel the service because we were not using it enough to warrant the monthly charge. They told me I had to contact our sales rep to take care of it. She emailed me back on August 28th saying it was taken care of. I have the email.

I called them again on 10/**, 11**, and 12/*. I was assured with each phone call this would be taken care of. Each time I faxed over all the paperwork they requested to cancel the account. I have the fax cover sheets. The agent on 12/* said we would be refunded the monthly charges. I just opened our bank statement and saw a $227.05 early termination fee dated 12/**/2015. The agent today said I did not send in an “official” letter to end the contract. I was never told about any needed “official letter” on any of the phone calls, I was just assured it would be taken care of, and as stated above, I faxed everything they asked for over each time I spoke to an agent.

Here is a list of the additional charges after I was told the account was closed.

September $21.95

October $21.95

November $21.95

December $21.95

December $227.05Desired Settlement: We want our account refunded the $314.85.

Business

Response:

In response to complaint, we have tried to contact [redacted] on 01/**/2016, 01/**/2016, and 01/**/2016 for MID [redacted] Lutheran Memorial Learning Center in regards to account closure and a refund request.

The closure request was sent to the sales representative and not to EVO Payments International directly. Our office did eventually receive the closure request. However, EVO is honoring the closure request that was initially sent in August 2015. Due to this account being open and processing in August 2015 all monthly fees billed at month end for August 2015 are valid and will not be refunded.

Credit was issued for September 2015 fees ($21.95), October 2015 fees ($21.95), and December 2015 fees ($227.05) totaling ($270.95). On December **, 2015 ($22.95) was credited for November 2015 fees.

Lutheran Memorial Learning Center is being refunded total fees in the amount of $270.95 and the account has been closed. We regret the inconvenience this caused and apologize for delay in processing the closure. We trust this resolves the complaint.

Sincerely

Eileen M[redacted]

VP Client Services

EVO Payments International

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We signed with Lease Finance Group (Retriever) just before the opening of Crossroads Quilt Shop in August 2009. We were satisfied with their service.

[redacted] contacted us in October/November 2010 about switching to his company, Bank Card Depot. He said there would be no contract, they would buy out the Lease Finance Group (Retriever) contract, and we could keep the extra money. He stated that their fees were better than Lease Finance Group (Retriever) and they could offer gift card processing.

We signed with them. [redacted] had us send back the credit card machine via registered mail to Lease Finance Group (Retriever). We received the confirmation back that they received the equipment on 11/**/10. We were told that by contacting them in advance, there would be no cancellation fee.

It took until February 2011 to receive the payoff check from [redacted]'s company (which we were told in advance it would take that long). In the meantime, even though the lease was cancelled on 11/**/10, Lease Finance Group (Retriever) continued to take out the monthly lease payment of $32.24/month from our checking account. Also, in January 2011, Lease Finance Group withdrew $250 from our account, without permission, for a cancellation fee.

When the payoff from Bank Card Depot was sent into Lease Finance Group (Retriever), they said they never received it and continued to withdraw payments from our account. We have continually contacted [redacted] and Lease Finance Group (Retriever) to try to get back our money. We finally issued a stop payment to our bank in May to prohibit them from withdrawing the $32.24 payment. The bank charged us $31 to process this stop payment. Lease Finance Group (Retriever) immediately started harassing us saying that we needed to pay this monthly fee. Because of their harassment, we paid the May payment. They have since stopped taking unauthorized payments out of our account, but they still owe us money. [redacted] said he would take care of everything and we wouldn't have to deal with this. Well, one year later, we are still out almost $500.

Lease Payoff $ 890.00

Check # [redacted] $(100.00)

1 payment (December) $ (32.24)

LFG (Retriever) owes 5 payments (Jan - May) $(161.20)

Payment Check # [redacted] $(857.86)

Total $(261.30)

Cancellation charge $(250.00)

Stop payment charge $ (31.00)

Extra payment (due to harrassment) $ (42.24)

Total amount due to Crossroads Quilt Shop $ 584.54

LFG (Retriever) owes us $ 484.44

Bank Card Depot owes us $ 100.10

Check received from LFG (Retriever) 12/2011 -$128.96

New amount owed from LFG (Retriever) $355.48

So, with all said and done, [redacted] has not followed through paying us $100.10 that he has owed us for over a year. We have contacted him several times and he acts like he's going to help us and then lo and behold, we never hear back from him. Its so frustrating being a new small business. These large companies just take advantage. He said we wouldn't have to deal with Retriever at all with this, and he would take care of everything. This did not happen. After we signed with him, he said he couldn't get Retriever to deal with him since it wasn't his account, we would have to contact them.Desired Settlement: We expect a $100.10 refund from [redacted] as this is the amount he agreed to pay us after all was said and done with the Retriever hassles. We have submitted a complaint against Retriever as well.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I decided to do an early termination of my credit card processing with this company. I faxed in the written request as I was told by customer service. At that time I also asked what was the policy for returning the equipment and I was told once the termination request was received I would be contacted and informed how to return the credit card machine. This request was approximately mid June 2014. I hadn't heard anything from EVO as of July [redacted] 2014 however I did notice a bank withdrawal made by EVO in the amount of $895.00 pending payment on July [redacted] 2014. I contacted EVO customer by phone on July [redacted] and was informed that the charge was for early termination. That amount is $395.00 and additional $500.00 for not returning the equipment 10 days after my last credit card transaction. I informed the lady that I was waiting on instruction of the machine return, she replied that all that info was in the contract and I should have read it. These contracts are many pages long and a simple instruction on the equipment return would have helped. She said that since it had been months since my last transaction the fee applied. I asked her if that's the case why was I continually charged a monthly service fee in excess of $60.00 She really didn't have a good answer. I asked her if I could return the equipment and she said no "Its Yours"Desired Settlement: Allow me to return the equipment and return the $500.00 fee. I understand the $395 early termination fee, not the equipment fee.

Business

Response:

In response to the attached complaint, we have reached out to the merchant on November [redacted] to provide instructions for returning the equipment. Once we have the tracking number from the merchant and receipt of returned equipment we will issue a credit of $500 for the equipment.

Sincerely

Review: Tried canceling services as instructed by company and they said I worded it wrong.I tried repeatedly to explain but they said it was a done deal.. This was my third attempt in canceling with them and each time limited information given. . This company is sketchy at its worse.. Small Business people like me don't standa chance.. The took out 395.00 out of my bank account and This was not authorized or approved by me..I feel helpless in this.Desired Settlement: I have no problem paying the fees for the next 3 1/2 months of almost $30.00 a month for services I have not used since August 2013 and have continued to pay the fees until such timei could cancel services but to take out of my family bank account almost 400.00 dollars caused us great hard ship..

Business

Response:

[redacted] entered into a 3 year contract with successive 1 year renewal terms in April 2010 for credit card processing. We received a cancellation request in January 2014 and she was billed the $395 early closure fee. However, her bank rejected our debit for this fee therefore she currently owes EVO the fee. In an effort to resolve this, we called [redacted] several times and offered to allow her to pay the 3 months remaining in her successive renewal period, which is $106 and then we would waive the $395 balance currently owed. She has not agreed to do this as of this date and feels that we did collect the $395.

If [redacted] can provide proof that EVO debited her checking account for $395, we will reimburse the portion of her early closure fee less the 3 months processing fee ($106) for a credit of $289.00. If she confirns that her bank account was not charged the $395, we will waive this balance and not pursue collection attempts if she forwards us a check for $106.00.

She has the contact information for [redacted] at ###-###-#### who can assist with making the necessary adjustments.

Sincerely

EVO Payments International

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here] I am still waiting on the bank to respond to me.. add of 2/* the bank said my account was charged the 395. Also not until I contacted the bank and Revdex.com evo wouldn't even consider working worth me.. They said "we are not considering a refund!".. I didn't sign up for the additional year but regardless every single bit of information I have gotten from evo has been vague At best..I went on what I thought was ego's Web site to try and plead my case and whati found was a while Web site of people with the same complaints or worse than I had.. This whole ordeal of trying to divorce this company had been Hell..

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We regret the inconvenience caused by the merchant. If she can provide the requested information as indicated previously, we can resolve this complaint.

If [redacted] can provide proof that EVO debited her checking account for $395, we will reimburse the portion of her early closure fee less the 3 months processing fee ($106) for a credit of $289.00. If she confirns that her bank account was not charged the $395, we will waive this balance and not pursue collection attempts if she forwards us a check for $106.00.

Sincerely

EVO Payments International

Review: I sent the following email on May *, as directed by the customer service representative I spoke with. I re-sent it May ** since I have not received any acknowledgement that my request was received or is being considered. [redacted] Dear [redacted],

I’m writing about my closed account and to ask that my cancellation fee of $395 be refunded, as well as a charge for $110.84 that I’m not sure what it was for.

In February of this year I was solicited by [redacted], an EVO representative, about changing my merchant service provider to EVO. I faxed the requested information and was told EVO could provide better rates and it would be a simple process to make the change.

I explained to [redacted] that I have a point of sale system through which credit cards are processed, so he contacted the POS company and called me back to say that the systems were compatible. Therefore, I signed the agreement.

There was some confusion about the equipment and software being sent to me. We had to re-schedule the installation date because I only received a pin pad and no software – the details kind of escape me. But we finally had everything and scheduled a time for the software installation.

After an hour+ on the phone installing the software, I was told I would need to contact my point of sale company about integrating the new software with my POS system. I did this, and learned two important facts:

1. My POS company charges $175 for integrating software with a new merchant provider, and

2. I had the wrong version of the software installed.

EVO shipped the new version of the software to me, but by now it was evident that it would not be worth it to me to make this change, and I called to cancel the account. I had already received from EVO a UPS return label, so I packaged and returned the pin pad, original software and new software.

When I signed the agreement with EVO it seemed it would be a simple process, and it was anything but that. As a very small, struggling business, the $175 fee charged by my POS company was difficult, but the cancellation fee for a service that was never even functional is something my business really cannot afford. I would greatly appreciate a refund for the $395, and a refund, or at least an explanation, of the $110.84.

Thank you for considering my request.Desired Settlement: I would like a full refund of $505.84, which includes the $395 cancellation fee for a service that was never installed and functioning.

Consumer

Response:

I have received a refund for the full amount of $505.84 by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We contracted with this company to process credit cards, and after 1 week we cancelled the services since they did not live up to what they had promised. They processed fees that they were not supposed to, and when contacted they said they would refund them, but they never did. We cancelled the contract immediately, and then the following month they took more fees ouy, and when contacted they said that was a mistake and would refund that amount immediately. We have called and talked to the accounting dept, and the rep., who promised that he would take care of it, but he has not. we have left messages for a [redacted], but they have never called back. This company is a scam, and anyone who choses to do business with them should beaware of there unethical and fraudulent business practices.Desired Settlement: They need to put back the money they took out for the month of March as promised by the rep [redacted].

Business

Response:

We have forwarded this complaint to Commerce Payment Systems and here is the response:

First on behalf of Commerce Payment Systems I would like to

apologize for the inconvenience this has caused you.

After carefully reviewing your merchant account, all rates

and fees have been charged as per contract. There is no record of a cancellation

notice received. For cancellations merchants must contact customer services and fill out the

applicable cancellation letter. It is the merchants’ responsibility to close the accounts

accordingly.

As a courtesy, a refund has been issued for the disputed amount of $45.57. Please expect funds

to post within 48-72 hours. The merchant account has been closed.

Commerce Payment Systems values your business and truly

apologizes for this inconvenience. We hope this satisfies your issue. If

it does not please feel free to email me at [redacted]

or you can contact me directly at ###-###-#### and ask for me by name.

Thank you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,