EVO Merchant Services

Review: We were contacted by another service provider with a better rate on 9/**/13 about switching our account to them. The new company said they would notify EVO that we were switching. On 9/**/13 I received an angry phone call from [redacted] (out of Montreal, Canada) saying that they would match any offer from any other carrier and why had we not given her a chance to match the rate. I asked why they would not just give us the new rates instead of having to wait for someone to make a better offer. I said we had already agreed to switch.

We left town the next day and were gone for 7 weeks. I noticed on my bank records that I was still getting charged monthly and annual charges from EVO. We were charged a total of $535.19 over a 5 month period for services we did not receive or want.

I called EVO on 2/**/14 and talked to [redacted]. She informed me that she had tried to call me six times after our initial conversation of 9/**/13. In the next breath she says that EVO was not notified that we were terminating business with them. I asked if she did not know we were terminating, how did she know to call me on 9/**/13. She then said that our termination has to be written and they don't take the written notification from another provider as a termination notice. I then asked her why she terminated our contract with our previous provider when we signed up with EVO. She had no answer for that one. When I said I wanted the $535.19 in fraudulent charges reversed and re-deposited into our checking account she rudely replied that was not going to happen because we did not properly terminate our service.

Merchants beware! Anytime you get a call from a company wanting you to switch they are probably just a bunch of scammers just like EVO. We are switching back to either COSTCO, USAA, or our local bank.Desired Settlement: Refund the amount of $535.19 that was fraudulently removed from my business (Powder House) checking account.

Business

Response:

In

response to the attached complaint, we regret that the merchant was not satisfied with their credit card processing rates. The merchant was given

Price Protection when they signed the contract, so that if better rates are offered thru a competitor, we would match them. As the merchant indicates in their complaint, they switched processors without giving us the opportunity to match their new rates.

We tried several times after that to contact the merchant

when we were alerted that they were switching processors, but to no avail. In

accordance to the Terms and Conditions of the contract, the account must be

cancelled with a signed letter from the contract signor. The

merchant must also return the Terminal. We have since received the cancellation letter

from the merchant and therefore will be closing their account. We have spoken to the merchant and he was advised that he will be

billed for the terminal if not returned and they are also subject to the Early

Closure Fee of $395.00. In reference to the $535.19, the merchant

used the account until October of 2013, the fees for the time the account was

not used total $270.97. Since the merchant did not cancel the account in accordance with their contract, the fees are valid. We regret losing their business however, a refund is not due to the merchant.

Sincerely

Review: ON TUESDAY SEPTEMBER ** 2015, I CANCELLED MY CONTRACT WITH EVO PAYMENTS INTERNATIONAL. IN FEBRUARY OF 2012 I SIGNED A 3 YEAR CONTRACT WITH EVO INTERNATIOAL PAYMENTS, AND WAS WITH THE UNDERSTANDING THAT AFTER 3 YEARS THE CONTRACT WAS OVER TO AVOID ANY EARLY TERMINATION FEES. LIKE I STATED ABOVE I CANCELLED MY CONTRACT ON SEPTEMBER **TH. WHICH WAS 3 1/2 YEARS OF BEING WITH EVO. WHEN I CANCELLED, THE COMPANY GAVE ME INSTRUCTIONS ON HOW TO CANCEL MY ACCOUNT. NO OTHER INFORMATION. TWO WEEKS LATER I RECEIVED A NOTCIE THAT EVO DEBITED $295.00 FROM MY BANK ACCOUNT FOR AN EARLY TERMINATION OF THE ACCOUNT. I CALLED THE COMPANY ON TUESDAY OCTOBER [redacted] AND SPOKE TO A CUSTOMER SERVICE REPRESENTATIVE. I EXPLAINED TO HER WHAT OUR SITUATION WAS, AND SHE TOLD ME THAT I NEEDED TO CANCEL THE CONTRACT 90 DAYS PRIOR TO THE END OF THE 3 YEARS, OR I WOULD AUTOMATICALLY BE SIGNED UP FOR ANOTHER YEAR OF SERVICE. I WAS COMPLETELY UNAWARE OF THIS OR I WOULD HAVE STAYED ANOTHER 5 MONTHS TO AVOID THE CHARGES. I HAVE CALLED SEVERAL TIMES SINCE AND HAVE EVEN SPOKEN TO A SUPERVISOR. BASICALLY, EVERYONE TELLS ME THE SAME ANSWER, THERE IS NOTHING THEY CAN DO, IT IS IN THE CONTRACT. I EVEN ASKED IF THEY CAN PRO RATE THE CHARGES. THE ANSWER WAS NO. SO I ASKED THEM TO FAX ME A COPY OF THE SIGNED CONTRACT, TO SEE IF IT MATCHED MINE. THEY DID, HOWEVER I NOTICED THAT THE FAXED COPY WITH MY SIGNATURE HAD A FAX STAMP FROM 2012, BUT NOTHING ELSE IN THE CONTRACT DID, WHICH INCLUED THE TERMS AND CONDITIONS,IN WHICH I NEVER RECEIVED FOR DAY 1. I ALSO NOTICED THAT THE TERMS AND CONDITIONS WERE UPDATED IN DECEMBER OF 2014. I, SIGNED THE CONTRACT IN 2012. SO, ON OCTOBER [redacted], I CALLED AGAIN SPOKE TO ANDRA A SUPERVISOR, EXPLAINED THE ISSUE AGIAN, SHE TOLD ME THAT THE "[redacted]". BUT, SHE SAID SHE WOULD PUT IN A REQUEST AND SHE WOULD CALL BACK. NO CALLS CAME BACK, SO I CALLED ON OCTOBER [redacted] AND WAS TOLD THAT THERE WERE NO NOTES IN MY ACCOUNT REGARDING MY ISSUE. SO NOT SURE WHATS GOING ON.Desired Settlement: I WOULD LIKE EVO PAYMENTS INTERNATIONAL TO EITHER REFUND THE WHOLE AMOUNT $295.00, OR FOR THEM TO A LEAST PRO-RATE THE AMOUNT. IT WOULD HAVE BEEN NICE FOR THE COMPANY TO LET ME KNOW OF THE CHARGES I WAS GOING TO FACE. BUT, WHEN I TOLD THE SUPERVISOR THAT NO ONE LET ME KNOW I GOING TO BE FACING THE CHARGES OF $295.00, SHE SAID IT'S NOT THERE JOB TO DO THAT. THE COMPANY IS NOT WILLING TO HELP AT ALL.

Business

Response:

Upon review, it was determined that the account was closed in accordance with the Terms and Conditions of the Agreement that the merchant signed for and were in effect at the time of signing. The Agreement between EVO and [redacted] came into effect on February [redacted] 2012 (the date of their first transaction) The merchant cancelled on September [redacted] 2015. The Agreement had already renewed for a 1 year term on February [redacted] 2015 per Item 13 of the Terms and Conditions. The fact that the merchant was unaware that the contract rolled over at the end of the three year term and would be charged a flat early termination fee of $295 if the contract was cancelled before February [redacted] 2015 because they did not refer back to the signed paperwork does not, in our opinion, constitute or justify a credit for the $295 early termination fee or for it to be prorated. We shall be contacting the merchant to let them know of our decision on this.

Julie O'[redacted]

P-###-###-####

EVO Payments International

Review: EVO Canada was the credit processing company with whom we had contracted to process incoming credit payments. Sometime in 2013, my organisation was signed up for an add on service consisting of advertising on [redacted] in the amount of $189/mth. At the time, this extra billing was not immediately apparent due to the amount of donations which we were processing in regards the construction of a recreation of an historic business at the historical site [redacted]/)When I was hired into my position in July of 2014, I noticed that we were paying a very large amount of money monthly, especially given that we were processing a minimal number of transactions at this time. After some investigation, I discovered that the source of this bill was the aforementioned advertising service. I spoke with my predecessor, who confirmed that EVO had tried to sell this service to her repeatedly, but that she had declined every time. As we are an Archives and Historical Society serving the Edmonton Jewish community, we have no need of advertising; the Edmonton Jewish community only comprises some 4500 people, so national advertising at what for us is a very high monthly rate would be ridiculous. EVO claimed that they had received confirmation on the phone, but were unable to provide any form of proof. After several months of back and forth, during which time EVO Canada failed to meet as simple a promise as a return call within a set time frame (despite repeatedly being promised callbacks within 3-5 business days, I consistently had to contact them myself after more than 8 business days) and after threatening to cancel our service and seek legal recourse, I was offered a deal in which we would receive approximately 80% of the money paid for this service, dispersed monthly over the course of 2015. Three days later, I also received a bill for early cancellation of contract in the amount of $500. I assumed this was in error and would be refunded, and contacted the company. I neveDesired Settlement: I would like this issue to be resolved as promised, and for these business practices to be made more widely known. Given the small nature of my organisation, I can only assume that there must be many others who have had issues like this with EVO. I am able to provide the email exchanges referenced.

Business

Response:

In response to complaint, EVO Payments International does not feel that we should be receiving complaints pertaining to EVO Payments International Corp. - Canada ("[redacted]") as this is separate and distinct from EVO. We have attached a prior request to have them directed to [redacted].However, in an attempt to address the complaint, we have forwarded this to [redacted] so that they can work with the merchant to resolve the issue.Sincerely[redacted]

Consumer

Response:

Good afternoon [redacted],I appreciate your prompt attention with regards this matter. As I have made clear in my initial complaint, I have spent the better part of ten months attempting redress dealing directly with EVO Canada to no avail. As of today's date, I have not received any contact from EVO Canada since May [redacted]. As there is no Revdex.com operating in Quebec, and the provincial authorities have made it clear that they are unable to assist in any way, I felt that contacting you was the next appropriate move. EVO International prominently and openly displays EVO Canada as being the [redacted] branch of their company on their own website (viewable here: [redacted] and as such I feel that their so called sterling reputation with the Revdex.com is solely due to the less than reputable practices of EVO Canada being outside the direct purview of the Revdex.com. The amount of money which was promised to us, in writing no less, is a mere $2745.60, which for an international corporation operating on 3 continents would seem to be a drop in the bucket. I am aghast at the amount of time and obfuscation which EVO has shown in regards refunding our money, and I have little faith in their willingness to operate in good faith. While I have only had direct dealings with their [redacted] subsidiary, they have been abysmal. I would humbly suggest that, if EVO International prides its reputation as much as [redacted] indicates they do, they may wish to ensure that those companies with which they share a name operate at the same standard. Thank you in advance for your prompt attention to this matter, and I await your next communication. I have attached a copy of a brief summary of this issue for [redacted]'s perusal. Sincerely yours,[redacted]

Business

Response:

The complaint was forwarded to EVO Payments International Corp. - Canada ("[redacted]") and has been resolved.A refund for a portion of the disputed was issued in the amount of $2268.00. After further review and discussion between the Canada office and the merchant, the remaining disputed amount will be refunded to the merchant as well.We believe this resolves the complaint. Sincerely[redacted]

Review: We have two accounts with EVO merchants servicesone is for [redacted] and the other one is for Infantiles [redacted].For about two months we have been calling EVO to try and close the accounts and they keep telling us that someone will contact us and they never call us back. We keep calling and every time they give us a different number and are told to leave a message that they will call us back, but they never do. They keep giving us the run aroundDesired Settlement: we would like to have the two accounts closed

Business

Response:

This is in response to Infantiles [redacted] and [redacted] Revdex.com notification. Infantiles [redacted] (MID [redacted]) located at [redacted] and [redacted] (MID [redacted]) located at [redacted] had requested closure to these 2 accounts. [redacted] and [redacted] of Infantiles [redacted] and [redacted] was contacted on 06/**/2015and informed of all closure procedures and fees. We have received the closure letters requested on 06/**/2015 as instructed. Infantiles [redacted] and [redacted] 2accounts are in the process of being closed as agreed. Our closure process can take up to 30 days from date letters are received.We 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 have determined that my complaint has NOT been resolved b

I am not satisfied because I spoke to [redacted] and I explained to him that I was lied to ever since we opened the accounts. They told us that it was not a contract. I was unhappy since after the first month and I spoke to [redacted] and she had told me that if I had EVO merchant services for 6 months I would not have to pay a cancelation fee. Now I come to find out that thats a lie. Ever since the begining all they do is lie. Plus they charge all kinds of fees I never heard of its a rip off. When I spoke to [redacted] from EVO he said he was going to see what he can do and that he would call me back but he never did. There is alot more things I would like to tell you if I can talk to you on the phone. Just so you can know tomorrow we go out of town and will be back till June [redacted]

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

Sincerely,

Business

Response:

We have reached back out to the merchant and spoke with [redacted] on 06/**/2015 regarding MID [redacted] Infantiles [redacted] and MID [redacted]. After reconsideration, we informed her we are willing to waive the early closure fees on both accounts and 20% restocking fees, upon receipt of the credit card terminals. We have since received the credit card terminals back.The early closure fees in the amount of $295 for each account have been refunded. She should see the credit in her bank account on file within 3 business days. We trust this resolves the complaint.Sincerely,[redacted]

Review: My paperwork clearly states 1.39% for processing and the statements clearly show the 1.59%. They cannot raise my rates without telling me. Also in terms of their paperwork they downgraded me to what they call "non-qualified". All but $18.98 was what they put in your so called "qualified transaction". The program I was on or I should say was on,is one of the worst offered. It allowed the company we were with to determine what they felt should be "qualified" (qualified for the lower cost) and what they determine to be "non-qualified" (meaning they way over charge you). When I tried to speak to them about being overcharged they would say they can't see my statement or breakdown. I earned $13357.50 in credit payments in 2013. They had 2 accounts for us till December when they finally closed 1. The accounts are $15.00 monthly charge. I paid them a total of $1479.66 for 2013. That is almost 10% of my sales.Desired Settlement: From what I can figure if I paid the most shown possible for any one transaction should be no more then 3.49%, then minus the $15.00 monthly payments. I should have only paid $466.18 for transactions and $30.00 for the month of September-November and $15.00 for December for a total of $571.18 I should get back $908.48

Business

Response:

In response to this complaint:

Review: Evolution Bankcard services used confidential banking information to withdraw unauthorized funds without prior notice, advice or billing, verbally, written or otherwise. After learning of all the other companies with major complaints against this company, I advised, by written email, on August **, 2013, to stop the process of our application of August **, 2013, to use Evolution Bankcard credit card processing services. This notice was given to Evolution in writing in less than 18 hours of supplying an application, along with banking account information. On August **, 2013, [redacted] replied, "it was already submitted for approval but ill put a hold on it..." Even though I submitted notices and cancellations, they debited my bank account for funds without permission, and even to this date of October **, 2013, they continue to call for "verbal approval" to set up my merchant account. Every comment, conversation and telephone call is fully documented.Desired Settlement: $269.95$19.95 unauthorized funds withdrawn from my account$250.00 settlement for the time and costs involved in attempt to resolve the matter

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”) also know as Evolution Bank Card. Commerce is a separate corporate entity from EVO.

Review: I was contacted by a representative of EVO, Alan [last name] out of the blue. He gave me the hard sale and acted like I was a fool not to switch from my current processor because of all the money he was going to save me. I was reluctant because of how much time it was going to take to switch over my website to a new processor. I was assured that their team would take care of all that and I didn't need to lift a finger, but they did not deliver. Alan said he would call me each month to go over my statement, but I never heard from him again. I spoke to a few different people about my account over the next few months and never got the right person to set up my payment system. After racking up a bunch of fees for not making my minimum purchase requirement, I finally canceled, which cost me almost $400. I left Alan two messages, which he did not return, and finally got him on the third try. He acted very put out and had someone else call me back to deal with me. I had racked up over $1,000 in fees for a system that I used once, but they would not refund me a dime of it. You would think that a billion dollar company might be able to refund a dissatisfied customer a couple hundred bucks, but I signed a contract so I'm out of luck.Desired Settlement: Refund me $880, which includes the monthly fees for not using the system, the cancellation fee, minus the transaction fee that I incurred for the one time I did use it.

Business

Response:

This is regarding Revdex.com complaint on Allied Academies (Online) and Allied Academies (Android) accounts. The merchant signed a contract with EVO on February [redacted] 2015 for the abovementioned accounts.On February [redacted], the merchant was provided the account creation information for authorize.net for the online account and he subsequently processed $3500.00 transactions in the month of March. We issued a credit for $42.90 to cover the monthly minimum charges incurred for February 2015 on his March statement. The merchant was never set up with the Android account. On July [redacted] 2015 the merchant emailed his notice to close the accounts and on July [redacted] the merchant was charged a $395 early closure fee per account in accordance with the Terms and Conditions of the signed Agreement. In view of the above and after considering the complaint, we will issue a credit within the next 3 business days for $395 to reimburse the early closure fee on the Android account as he did no processing on this account. However, as the merchant processed with EVO on the authorize.net account we will not refund the early termination fee. We called the merchant on Sept * to advise him of the above. Sincerely[redacted]VP Client ServicesEVO 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: On Nov. * of 2015 we sent a certified letter to EVO Services to cancell our account with them. We received conformation of receipt of letter to them from United States Postal Service that it was received and signed for. Then on December * we were charged a fee of $66.45 and had no transactions since the previous month of October. We contacted them and was told to us that they did not receive the letter of cancellation. We sent in proof that we received from postal service that they signed for the cancellation letter. Also was told that they would contact us in 48 working hours. They did not contact us back after several days. We contacted them again and they asked us to send them another handwritten letter of cancellation, we emailed the handwritten letter to them and called again to verify that they recieved the letter. They had told us we would be credited back the $66.45 and our account would be cancelled. Upon watching our account we noticed they debited our account $101.17 on January *, 2016. We recontacted them again and the response we got back was that our account was still open, now we are being told that our account is being closed, but we might not be credited anything. We feel they have dragged this out for some reason of profiting off of us. We appreciate you look into this matter. They also say that it takes 30-60 days to cancel our account

[redacted]Desired Settlement: To insure our account is cancelled and refunded for services not used.

Business

Response:

This is in response to complaint referenced above.

We have informed [redacted] his account has been closed as of 01/**/2016. The November 2015 fees for $66.45 are valid billed fees. The fees of $101.17 billed for the month of December 2015 were to be credited back to his account, however[redacted] informed us that his bank reversed the ACH debit of $101.17 and the funds are back in his account.

Per our conversation with [redacted] he is satisfied with this resolution.

We trust this resolves this issue.

Sincerely

Eileen M[redacted]

Review: Our bank account was debited in the amount of $1190.00 on May **, 2015. When I called to inquire about the charge, I was told that we were charged $500 for equipment, $395 early termination and $295 for previous company termination. We are disputing these charges. We never received the pages of the contract that stated what the length of the contract was. Also, when I faxed in a letter requesting to cancel our services, I also asked for instructions on how to return the equipment. I never received any information. I then emailed our representative and faxed asking if our cancellation notice was received and instructions again for returning the equipment. I still did not get a response. I wrote to the company, giving them this same information, requesting refunds of the charges. Their fees are unreasonable.Desired Settlement: We would like to be refunded for all charges since they did not provide us with return address for the equipment and did not provide us with the original pages of the contract where the term was stated.

Business

Response:

In response to the complaint, we spoke with the merchant and advised that a refund was being issued for $500 representing the equipment charge. This should be in their bank account on file within 3 business days.The early closure fee of $395 and $295 representing reimbursement from prior processor will not be refunded and were properly disclosed. Copies of the merchant contract, reimbursement certificate and terminal placement agreement were previously sent to the merchant.We do regret losing them as a customer.SincerelyEileen M[redacted]VP Client ServicesEVO 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: Three years ago I sign up with Evo merchant Service for credit card processing. after using them for 1.5 year, processing fees and charges was keep going up every months so I decided to cancel service. few months later of cancelation they put $280 early termination on my credit file as debt colletion. I called them multiple time try to get answer but they keep transefring me to different department and put me on hold for 30 minute or more, finally they connect me to [redacted]. I was talking to [redacted] and send her all information I have (contract ect..) she told me she have differnt contract then what I signed. so I told her to email me that contract and find out they add 2 more pages to contract had fine prints of 3 years agreement on it. Evo Merchant Service hiring employees to do fake contract to sign up new customers. hopefully they stop messing with peoples credit and do business with honesty..Desired Settlement: Please send me email if any information need. thanks

Business

Response:

In reference to the Revdex.com complaint below, according to the terms

and conditions of the contract, an early closure fee does apply if the account is closed

before the initial 3 year term. However, in revieweing the information it does appear there was a miscommunication between the

merchant and the independent sales agent who submitted the contract. Therefore we will honor the merchant’s request by

cancelling out the debt and removing it from their credit report. The collection agency has been advised accordingly.

We value our

customers and we hope that this is a satisfactory resolution.

Review: When I closed my business 3/**/14 I realized that [redacted] Merchant Services had been fraudulently charging me $46.90/mo 9/*/12-9/*/14. When I closed my business 3/**/14 I realized that [redacted] Merchant Services had been fraudulently charging my business, [redacted] in [redacted],**, $46.90/mo since 2012 (9/*/12-9/*/14). I didn't previously catch it as my company utilized two other merchant processors (one for online and one for in-store sales). As I'm sure you are well aware, merchant processing fees are not particularly transparent and it took us several months, after I closed, to sort through the charges and realize that there was a 'ghost processor' who had been fraudulently charging me. Once we realized it, it also took a day of phone calls to even discover that it was your company charging me! On my bank statements the charges came up as "[redacted] Processing [redacted] [Account #]." The phone number listed was for "[redacted]"!? I've been trying to get my refund since September and have spoken to numerous employees at [redacted] Merchant Processing (Apparently they are responsible for processing [redacted] accounts?). Each employee I spoke with expressed that there "was something wrong with the account," and indicated that it was very fishy and there actually wasn't proof of the contract-or me signing it! Imagine that, since I never authorized it or signed a contract and-as you can obviously see-there was never even a single charge made on that account in two years! Each employee I spoke with said they would call me back and that they were taking care of the $1,172.50 + Bank Fees (Now $12/month since September just to keep my bank account open! I have not received one call back in three months, and I have not received one correspondence by email or by mail! I received a token refund of $93.80 for September and October-as if that would make me 'go away.' There still has been no proof presented to me of an investigation. There is no paper trail whatsoever, yet I was just informed by two employees that the case "was closed and no further refund will be issued." No explanation. No proof. No correspondence. I will not go away. I'm filing a fraud investigation with [redacted] Bank and this complaint with the Revdex.com. I was originally very willing to work with you. I have been exceedingly polite and patient. Now, due to your abysmal customer service, your ingenuous attitudes and outright rudeness over a situation that warrants your attention and concern-I'm even more determined than ever! I expect a written response including all proof of correspondence, proof of the contract, proof of my signature with dates, times and locations and the name of your sales associate who set up the account and verified the information you have.Desired Settlement: I expect to be reimbursed in full for all charges made to my bank account from this business. I was charged $46.90/month from 9/*/12 - 9/*/14 (25 x $46.90) less the $93.80 I was reimbursed on 9/**/14. In addition, I expect to be reimbursed for the Bank Fees charged since September (3 x $12/month) for keeping my bank account open so that this company could issue my reimbursement. As of today, 11/*/14 the total owed to me is $1,114.70.

Business

Response:

This complaint was forwarded to our [redacted] division in [redacted] and response is below. The merchant entered into an agreement with us on 04/**/2011. We have a signed contract on file with signature. We take identity theft very serious and if merchant is stating thisis not her digital signature we will take action. If this is identity theft then we will require the merchant to sign and an affidavit stating this. I encourage the merchant to call our Loss Prevention team to begin this process. The phone number is ###-###-####. Once the affidavit is signed and in the hands of the authorities we will issue a credit for the fees incurred. If this was not Identity theft the merchant is responsible for the monthly fees on this account. We have no record of the merchant calling in or sending us a term form prior to09/**/2014. We received the term form on 09/** and issued a credit of 2 months fees in goodwill. IF the merchant can provide proof of call or term form sent prior to this date we will consider a refund but please note the signed agreement indicates the merchant needs to notify us within 30 days of noticing the error and the merchant is responsible to review bankstatement and merchant statements monthly. [redacted] | [redacted]t: ###-###-#### | tf: ###-###-#### | f: ###-###-#### [redacted] | [redacted] | [redacted]t: ###-###-#### | tf: ###-###-#### | f: ###-###-####[redacted] | [redacted] | [redacted] | [redacted]t: ###-###-#### | tf: ###-###-#### | f: ###-###-####[redacted] | [redacted]

Consumer

Response:

I've reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me as long as they follow through on their promises. I'm still angry that it took this long and required me filing a complaint with the Revdex.com—for them to take this matter seriously.

Review: We closed our account with this credit card processor in July 2009. From July 2009 until Septemer 2010 they continued to withdral fees from our checking account on a monthly basis. When we talked to them about this matter, they claim they never got the cancellation letter via fax that was sent. A refund would not be possible. We sent a letter also explaining the situation and asking for a refund of the fees. If you look at the account you can see we did not use any of their services for the period of July 2009-September 2010. After reviewing the letter they still refused to credit any of the fees per our conversation with them 11/**/2010. They are unwilling even for a partial refund, even though they provided no services for us during this time.Desired Settlement: We would like a full or partial refund of the $557.80 that was taken from our account.

Business

Response:

Review: We have been doing business with EVO Merchant Services without customer service for many years. Due to rising costs we have transferred our business to another Service provider. We have been with another company for over three months and have been billed for two months and finally charged a $250.00 Cancellation fee. When we asked about the contract they informed us the contract is renewed automatically. Apparently, they have been renewing our contract for years without our knowledge. I have blocked them from debiting any more money from our checking account as of today.Desired Settlement: I would like the two additional months of charges and the $250.00 cancellation fee returned.

Business

Response:

The merchant started processing with EVO in March 2008 for a 36 month term. The contract rolled over for one year in March 2011, again in 2012 and 2013 according to the Terms and Conditions of the Agreement.

According to the Terms and Conditions of the contract, the agreement will remain in effect for a period of 3 years and will renew for successive 1 year terms unless terminated by written notice within 90 days before the end of the initial term or any renewal term.

The merchant stopped processing in May 2013 but we did not receive notice of their cancellation until August * 2013. The account was subsequently closed on August ** 2013 and charged $250 early termination fee as there were 7 months remaining on the contract. The account incurred monthly minimum charges in June and July because the merchant did not provide written notice to close the account until August.

We therefore do not feel the merchant is entitled to any credit as the early termination charge was conducted in accordance with the Terms and Conditions of the Agreement. We have attached a copy of the merchant’s agreement.

Review: In December 2011 I signed up with EVO Merchant Service to take credit card payments for my business in [redacted] which is [redacted]'s [redacted]. The service was actually not cost effective for me. So in March 2013 I stopped taking credit cards and I asked customers to pay with only cash or checks. In July 2013 the iPhone "Square" service came out and I decided to use this phone-swiping service because it was much more affordable for me. In August 2013 I asked EVO if I could cancel my account with them but they said that I was locked into a contract until December **, 2014. They said if I didn't accept any credit cards there would only be $12.00 in monthly service fees that I would be responsible for paying. Since there was a $295 cancellation fee I decided it was cheaper to just wait out the remaining 17 months of $12.00 services fees totalling $204. I asked if these were the only fees and they said yes and that I would have to notify them in writing (by letter) on December **, 2014 to cancel. I contacted the Revdex.com at this time trying to find a way to get out of this contract, but the Revdex.com couldn't reconcile with me and EVO, so I got stuck paying the $12.00/month. Then this past March 2014 I saw a $111.00 charge in my business account. The bank and I could find no source for this charge. There was no phone number attached to the charge and no company name. The charge simply said "BKCRD SERVICES." So my bank issued me a $111.00 credit for unathorized withdrawal of funds. When I saw my EVO statement that arrived a few weeks later I saw the $111.00 and I was shocked! I called EVO and asked what this was for and they said that they instituted a "Compliance Fee." I know what a compliance fee is. I paid this once when I was taking credit cards from another credit card company called [redacted]. I was notified by [redacted] about the compliance fee. We discussed what it was about. I had to fill out a VERY lengthy questionnaire (about 15 pages) to make sure that I was "in compliance" and then I recevied a certificate and I posted that next to my credit card machine in my office. EVO simply charged my business account $99, no forms, no calls, nothing. I called EVO to ask them to remove the fee only to find that they were very nasty on the phone. I explained that clearly I haven't charged anything in over one year and that I was told several times by customer service that I would be responsible for only the minimal $12.00 service fees until my contract was over in December 2014. I was very disappointed and said that had I known they were going to charge a $99 fee I would have considered closing the account one year ago by paying the $295 cancellation fee. I asked them to please remove the $99 and they would not. So I told them that once again I was going to contact the Revdex.com. They said go ahead. A few days later I see another charge on my business account for $295.00. So basically EVO decided to charge me the cancellation fee. No required letter in writing, no authorization from me, nothing. This is illegal and they should be penalized for this. I would like to know what the Revdex.com thinks of EVO's unprofessionalism. I was in the process of contacting the Revdex.com regarding the $99 compliance fee. So now I am contacting the Revdex.com with regards to this $295 exhorbitant cancellation fee which I didn't even authorize.Desired Settlement: I feel that I am right and that I am paying what I was told I was required to pay which is $12/month. To force me to pay a $99 compliance fee when it is obvious that I am no longer using their service is unfair. To now charge my account $295 for an exhorbitant cancellation fee is #1 illegal without my authorization and #2 very manipulative. Not only that but EVO is clearly demonstrating and I believe is violating their privileges by having access to my bank routing number. Because of this I feel that EVO should not have access any longer to my bank routing number because they are not professional. I, however, willing to pay them their $12.00/month and having been subject to these huge withdrawals from my business account without any notification, feel that I should not even be obligated to pay them their $12.00/month service fees. If, however, the Revdex.com mediates this and decides that I SHOULD continue to pay the $12.00/monthly fee then I will abide by that, but I feel that my rights have been violated and that I should no longer let this company take any more of my hard-earned money!

Business

Response:

In response to the referenced complaint, we had communicated through our statement messages that a $99 PCI fee would be billed on the April 2014 statement. Since her bank rejected our ACH attempt for April fees, a closure was processed on her account which triggered the early closure fee of $295.00.

In reviewing the history on her account and her intention to leave the account open to avoid the $295 fee, we have credited the $295 fee back to her bank account on file. The PCI fee and her regular monthly $12 fee that billed in April 2014 was never collected by EVO since her bank rejected this. This amount has been waived.

Due to the inconveniences she experienced and in order to put her complaint to a resolution, we have closed her account so that we will no longer bill the $12 monthly fee.

We trust that this resolves her complaint.

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: I was a customer of EVO Merchant Services beginning in 2007. Really never had any problems, the online system worked perfectly for me.

In early 2014 I decided to change service providers in order to streamline everything with my current bank, Wells Fargo.

I sent a cancellation request form to eProcessing Network and their form stated the account would not be canceled until I notified my bank, Wells Fargo.

So I promptly notified Wells Fargo of the change I was making - & they wanted my new merchant business so I know they handled it quickly, since 1 account has to be closed out before another can be opened to process CC's.

Unbeknownst to me, EVO continued to charge my bank account monthly fees, which varied from $6.95 to $15 to $39.50.

The account should have been closed by the end of January, but on their end it has remained open accruing a total of $105.35 as of today's date, 8/**/14.

I contacted EVO yesterday, 8/**, and they confirmed my account was indeed still open with them.

I informed them it should have been canceled; customer service informed me (quite rudely by the way) that I needed to fax a letter stating I wanted to cancel, and another letter stating I wanted a refund. Which, honestly - $105 is quite a drop in the bucket for this company that I have made a LOT of $ over 7+ years!

BTW - I read another very recent complaint on here where someone was trying to cancel, and Customer Service told them they had to complete a Cancellation Form.

Interesting - I wasn't told that. So now I wonder if that will come up in order to keep my account open. We'll see.

So I called this morning to confirm they received my fax.

Was told yes, they did and my account would be closed "by the end of this month". We'll see if they actually do that.

I was also informed my refund request was denied. No surprise there.

I know this industry well, as I worked over 4 years in Sales for one of the 3 major credit reporting agencies -- and trust me when I say -- this industry is considered to be the LOWEST, dirtiest level of sales anywhere. It's unfortunate, since it doesn't have to be that way.

But do not assume any tenure like mine (7 years) with one of these companies will earn any type of loyalty to customers in order to make things right.

They simply do not care.

Anyone looking to sign up with this company....beware. The only CC processor I can recommend is Wells Fargo - who is quite fair in pricing & ALL FEES are transparent....they do not hide anything. And they care about your business, especially if you bank with them. I can't see this situation happening with them at all.

I learned my lesson.

SO - IN A NUTSHELL - THIS BECAME A NON WORKING MERCHANT ACCOUNT IN JANUARY 2014 BUT I CONTINUED TO BE CHARGED FEES AS IF IT WERE A WORKING ACCOUNT.

[redacted]nd eProcessing Network can provide data to show there was no way to even use this account the past 7 months.Desired Settlement: I would like them to honor the cancellation of my merchant account immediately - or show on their records it was closed as of Feb *, 2014.

I would like a refund of $105.35 for fees they charged on a non-working account, plus any fees charged beyond 8/**/14 while this dispute is in process.

EVO can see on their end when I last processed a credit card, when the account was fully operational.

Please do the right thing for a customer who was quite happy with your services for 7 years.

Business

Response:

Thank you for contacting us regarding this complaint. After reviewing the account we

can advise the merchant was originally declined the request for a refund.

The reason the refund of fees was declined was because EVO Payments International was not contacted to

cancel the account. As specified in the terms and conditions of the merchants contract,

EVO must receive a signed letter requesting cancellation of account.

There is no indication that the merchant contacted EVO regarding cancellation until August

**, 2014. Merchant was advised of the cancellation procedure and that the account would be closed at the

end of the month once the request has been received. The merchant’s account was closed at the end of the

month with no monthly fees billed. Upon further discussion with the merchant, we have issued a partial credit

of $69.50 to her account for three months of fees as a courtesy adjustment.

Sincerely

Review: [redacted] with Evolution Bankcard has been told on NUMEROUS occasions for weeks that we are not interest in credit card processing with his business. He continues to call and has called my office 5 times in a row after he was asked not to call only to hang up 5 times as I answered the phone. He has since called back and as I answered the phone asked how I was doing and once I reciprocated and asked how he was he hung up the phone. This is telephone harassment. We are not interested in his services and we do not wish to receive any more calls from [redacted] or anyone else at Evolution Bankcard. It is obvious that the number he calls from is some type of call center and you are unable to call it back. The number is ###-###-####.Desired Settlement: I would like for this company to discontinue ANY AND ALL phone calls to my business. We are not interested in their services and do not wish to be solicited any further.

Business

Response:

This complaint was forwarded to Commerce Payment Systems, DBA Evolution Bankcard, and below is the response.

SIncerely

VP Client Services

EVO Payments International

First on behalf of Evolution Bankcard I would like to

apologize for the inconvenience this has caused you.

Review: [redacted] told us we were under no contract and told us that our fees were ONLY $4.95. no hidden fees no nothing just $4.95 a month. and only had to do a Monthly minimum of $15.00.after signing up we were told we has to go with another company because we used the virtual terminal. when we got out bank statement we were charged $20.91 for Evolution Bankcard and $7.72 for gateway. when I asked about the charges I was told that it is the fees that have to equal $15.00, not the charges. when I questioned evolution bankcard they said "sorry for not explaining that but that's just the way it is". after trying to get in contact with [redacted] for a week with no response. I asked to talk to a [redacted]. Her name is [redacted]. she kept telling me there was nothing she could do. so I said I wanted to cancel our service. after sending in the papers to cancel she informs me that they are keeping out money for 6 months to make sure there are no charge backs. she claims that we didn't send in all of our paperwork to verify all of our information. I have the proof that it was faxed and that it was received. [redacted] hung up on me 3 times and when I called to ask questions to another customer service rep [redacted] got on the phone and said" if you call back here one more time I am filling harassment charges on you, I told you that your not getting your money for 6 months and that's the end of the discussion." and hung up on me. I tried to contact [redacted] again today to find out an update on the account and I was told that he is on vacation and they did not know when he would be back. the lady put me on hold and never came back. I waited for 30 minutes and then got cut off.Desired Settlement: we would like to get the money from the people that were charged for our services. also get our money back that was taken out of our account that should not have been taken.

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.

Review: EVO continued to charge service fees after contract was formally ended (November **, 2013). We were charged for processing equipment we never requested or used and returned in original shipping box (May **,2013). Requested credit for unauthorized charges yet we continue to be charged service fees even after they acknowledged account was closed. (November, December, 2013) and January 2014. All claims here can be documented with correspondence to-date.Desired Settlement: Quit charging monthly service fees and refund unauthorized service fees a well as charges for equipment returned.

Equipment $111.25

Service fees $181.35

Total $292.60

Business

Response:

In regards to the attached complaint, we have researched the issue and can advise the following:

EVO did receive a written request to cancel the account on December * 2013. All fees up until December 2013 are valid and billed in accordance with the terms of the contract. The account was closed in December and no further billing to the merchant for December 2013 or January 2014 took place. The last fees billed were for the November billing statment of $27.00 charged on December * 2013.

We did research the equipment fee billed and can confirm we did in fact receive the equipment back. We apology that this was not refunded at the time we received the equipment back. A credit of $199 for the equipment and a separate credit of $15.04 for shipping has been issued to the merchant.

We trust this resolves the issue.

Sincerely

EVO Payments International

Review: EVO, INITIALLY, PROMISED US THAT WE WERE NOT IN A CONTRACT. THEY HAD US SIGN AN APPLICATION WHICH DID NOT STATE THAT WE WERE IN ANY KIND OF LONG TERM CONTRACT. THE APPLICATION STATED WE WERE AGREEING TO THE TERMS AND CONDITIONS WHICH WE UNDERSTOOD TO BE INCLUDED ALL ON THE SAME PAGE. WHEN WE TERMINATED WE WERE TOLD THAT WE WERE IN A 3 YEAR CONTRACT AND WE WERE BEING CHARGED $395 EARLY TERMINATION FEE. WE THEN FIND OUT THAT THE TERMS AND CONDITIONS ARE A SEPARATE 3 PAGE AGREEMENT WHICH WAS NOT INCLUDED. WE NEVER SIGNED THE TERMS AND CONDITIONS SO WE HAD NO IDEA WE WERE IN A CONTRACT. APPARENTLY WE WERE SUPPOSED TO ASK FOR IT. WE REPEAT, WE THOUGHT THAT TERMS AND CONDITIONS WERE WHAT WAS WRITTEN ON THE APPLICATION IN EXTREMELY SMALL PRINT SO WHY WOULD WE ASK FOR IT!

IN ADDITION, WHEN I CALLED TO ASK HOW TO RETURN THE EQUIPMENT, ABOUT 9 DAYS AFTER THE LAST TRANSACTION, THEY SAID THEY WOULD SEND ME THE INSTRUCTIONS. WHEN I NEVER RECEIVED ANY INSTRUCTIONS, I CALLED AND WAS TOLD THAT I HAD TO RETURN IT WITHIN 10 DAYS. SINCE THE 10 DAYS HAD PASSED I AM NOW BEING CHARGED $120.

BUYER BEWARE! YOU ARE IN A CONTRACT.Desired Settlement: I WOULD LIKE TO RETURN THE EQUIPMENT AND HAVE THE $515.00 REFUNDED.

Business

Response:

In response to the Revdex.com Complaint from [redacted], it appears there was a misunderstanding of the contract and terms and conditions. In good faith, we are crediting the full amount of the cancellation fee and equipment charge of $515.00. The merchant should see the credit in their bank account within 2 business days.

We regret any misunderstanding and trust this resolves the issue.

Sincerely,

Review: My Company Architectural Windows and Doors LLC was contacted by this company to use there Credit Card Processing. After many conversations and applications I was informed by my sales representative that we had been approved. I than informed my staff to begin using the Credit Card processing machine that they had provided. Come to find out that the underwriting dept did not approve this account to the amount I was told. After many hours of discussion with the underwriting and [redacted] my sales rep [redacted] I was told that he made a mistake and that's the way it goes. The initial transaction was on 2/** and it finally came to an end on 3/*. I have in cured hundreds of dollars of expenses and they did nothing to rectify there error or reimburse my cost. There was no communication with me after I had process the sales that these transaction were not going to be process. People in sales, sales [redacted]s, people in underwriting all lied to protect there area of concern. I have never as a business man been treated so poorly with total disregard about my business. This company should not be doing business outside the state of NY.Desired Settlement: They need to reimburse me my expenses that they caused me. As of this date $550.00 in charges due from their actions. Also a letter that can be sent to my suppliers explaining the error that they caused and this was not due to Architectural Windows and Doors LLC

Business

Response:

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

Sincerely,

EVO Payments International

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 and as per

our conversation, we will be refunding $985.32, due to the all of the overdraft

fees you have incurred. This refund should post to your bank account within

48-72 hours to the bank account we have on file.

In addition, I had spoken to [redacted] in reference to supplying a

letter that can be forwarded to the suppliers. This was emailed to the merchant.

Please be advised that the merchant account has been officially

closed. No further deductions will occur.

Commerce Payment Systems 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 ###-###-####.

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. I especially want to thank [redacted]or his honesty and determination to resolve this complaint. With his efforts it is clear to me that this complaint was a result of miscommunication between departments and not how Evolution Bank Card treats there customers.

Sincerely,