ExpertPay

I added the new credit card to my account, it was my dad's credit card. after processing I received a "receipt" email. Then in the morning I get an email saying my account with [email protected] is blocked. After calling the number to my account rep he could only tell me I was being referred to the state because I had too many credit cards active for paying child support. I could not find on the NYS website how to complain against expertpay and Conduent.
I really don't care since mailing in a check or using my bank's Bill pay feature yields the same time for the state to get my payment.

Spoke with the individual and was able to reset his bank account for a new deposit

ExpertPay is a Debit based system The user tells ExpertPay when to debit his/her account by giving an "effective date" ExpertPay blindly debits the bank account not knowing whether the funds are available or if there are debit blocks on the account Per the NACHA (National Automated Clearing House Association) rules, your financial institution has days after the transaction to take the funds back for a multitude of reasons (i.eInsufficient Funds, Debit Block and many more) ExpertPay informs the user upfront of all the hold times ExpertPay is based on business days (banking days) If a holiday is included in the payment schedule it affects the release date These funds are in a non-interest bearing account and do not receive any benefit during this period ExpertPay is not a mandatory service, it is simply a method to make a child support payment It is up to the Obligor to know when his/her payment is due and make their payment according to the time schedule Attached is a copy of the verbiage on the website as the obligor makes the payment The obligor is informed several times prior to submitting the payment

ExpertPay is an online debit based payment system specifically designed to make child support payments [redacted] Incset up weekly recurring payments on February 10, Mr [redacted] says he contacted ExpertPay on 8/25/ His payment was schedule for 8/26/ The only person who could "cancel" this payment was the employer Mr [redacted] had until 8:EST on 8/25/to cancel his recurring paymentsFor security purposes, ExpertPay employees do not have access to edit or cancel employer payments Had Mr [redacted] logged into his ExpertPay account on 8/25/and cancelled his payment prior to 8:EST his payment would not have been debited from his account Because he did not cancel his recurring payment, the weekly payment systematically scheduled a payment for 9/2/ Mr [redacted] received an email letting him know the payment was scheduled on 8/26/ Mr [redacted] then had days to cancel his next weekly scheduled recurring payment He could have logged into his ExpertPay account and canceled his payment any time in between 8/26/and 8:EST 9/1/ [redacted] was an "established" employer in ExpertPay so his payment was not held and disbursed to the State on 9/3/ Mr [redacted] then did a Stop Payment on the funds at his financial institution so his payment was not funded AFTER the payment was disbursed Attached is a copy of his recurring payment history showing payment dates, a copy of the manual provided on line in the help screens showing how to cancel a recurring payment (page 38) and a copy of the Terms of ServiceMr [redacted] did not cancel his payments which were sent to the receiving state and did a stop payment to have his bank not fund the payment Per the Terms of Service which Mr [redacted] agreed to upon registration and setting up recurring payments, his company currently owes ExpertPay $

ExpertPay notified [redacted] separate times that his payments were not longer being accepted by the State of Florida As soon as ExpertPay received the first payment an email notification was sent to the email address on file indicating that the State of Florida was no longer accepting payments for his case and provided him with the phone number to the State of Florida (which is the phone number that Florida provided ExpertPay) to contact them to find out how to make future payments ExpertPay also notified [redacted] each and every time after the first payment [redacted] received emails at providing him notification and documentation on what to do The first email was sent on 8/24/17, the second was sent on 9/and the third email was sent on 11/ Each email was sent on the day ExpertPay received the returned payment from the State of Florida Attached is a copy of the three emails that [redacted] received providing instructions on what to do

ExpertPay is an website to make child support payments on-line it is a debit based system Per NACHA regulations, the obligor's financial institution can return the funds for non payment up to business days after submission ExpertPay relies on the end user to know when their child support payment is due and to submit the payments accordingly All hold times are displayed and agreed to upon the submission of the payment Attached is a copy of the hold times and Terms of Service that must be agreed to each time a payment is submitted

ExpertPay is a debit based system and is provided a "provisional" credit when debiting the users bank account Upon the initial debit, NACHA regulations allow for business hours after to return the payment for several reasons (i.einsufficient funds, debit block, frozen acct and many more) ExpertPay holds the funds to insure the payment is funded Once the payment is funded, ExpertPay forwards the payment according to the Terms of Service: ExpertPay notifies the user separate times of the payment time-line the first time is upon registration: PROCESSING SCHEDULE The effective date for processing payments will always default to the next banking dayThe effective date is the date the funds are debited from your bank account.All debited funds are subject to a five business day hold to verify funds and insure account authorizationUpon the fifth business day, provided all funds have cleared, the funds are then transmitted to the receiving government agency.the second time is upon making a payment:For all payments, please allow at least seven (7) days for the payment to be received by the state agencyFor a complete explanation, please see the Legal Notice and Terms of UseThe third time is after selecting the bank account and continuing:Payments are submitted to the receiving state five (5) business days from the effective date And the final time is upon submitting the payment:You have until 8pm ET the business day prior to the effective date to edit or cancel this payment If this is a recurring payment we will submit on your behalf per the schedule, however it is your responsibility to edit/cancel occurrences as needed.All processed payments will be HELD for business days before submission to the appropriate state child support agency It may take 7-days to arrive at the state agency.ExpertPay is a third party provider and only method to make a child support payment It is not associated with any state and holds the funds to meet the NACHA requirements to prevent fraud and protect the company's financial interest The funds are held in a non-interest bearing account

Mr. ***'s account was active and ready for use It appears he has logged in and made a payment

I am rejecting this response because:
First two emails were never sentWhy would I keep sending you my money I knew what was going on? Why didn't the phone customer service tell me something was going on after multiple calls?Nothing more for me to sayYou can't defend against lies.Just give me my money back and stop arguing, will you? It's easier for everyone

Upon making your payment using the ExpertPay website, you agreed to the $Returned Payment fee ExpertPay is offered to you as a transaction fee service so as long as funds are in your bank account The site clearly states that you agree to these Terms of Service when you register
and at the point of payment submission ExpertPay is a method to make a payment It is not a mandatory method to make your child support payments to the State of Ohio Please see the attached copy of the Terms of Service and documentation which you agreed to when you submitted your payment ExpertPay will not reactivate your account and will not waive the $fee Please contact the State of Ohio at 1-888-965-for alternative methods of payment

ExpertPay returns payments when they are receivedIn this case, ExpertPay received and returned the payment in question on 11/10/Please see the attached credit to Mr***'s bank account

I am rejecting this response because: Contrary to what Expertpay indicates, they do know what County the payments are sent toThis is indicated in the last digits of the case numberIn my case these digits are is Dade CountyI know this because it was told to me by one of the Expertpay customer service representatives, and later confirmed by the State of Florida representative I spoke to.Also, When the first payments were rejected earlier this year, Expertpay told me this would not happen again, so I went ahead and used their services gain. Every single time I spoke with Expertpay over the phone (many times), they were told what County the payments went toNo one was capable of telling that the payments would not be acceptedInstead, I was mislead to use this service twice moreThis caused again delays on my Daughter getting the money she needs.I have only been reimbursed half of what I am owed by Expertpay so farI am also not being reimbursed for the $fee I was charged for each of the failed transactions.It is appalling that Experpay keeps trying to deny responsibility instead of just simply reimbursing meI am basically financing their incompetence.Expertpay still has $of my money + $ on fees for a service I never received

ExpertPay is a Debit based system.  The user tells ExpertPay when to debit his/her account by giving an "effective date"  ExpertPay blindly debits the bank account not knowing whether the funds are available or if there are debit blocks on the account.  Per the...

NACHA (National Automated Clearing House Association) rules, your financial institution has 3 days after the transaction to take the funds back for a multitude of reasons (i.e. Insufficient Funds, Debit Block and many more).  ExpertPay informs the user upfront of all the hold times.  ExpertPay is based on business days (banking days).  If a holiday is included in the payment schedule it affects the release date.  These funds are in a non-interest bearing account and do not receive any benefit during this period.   ExpertPay is not a mandatory service, it is simply a method to make a child support payment.  It is up to the Obligor to know when his/her payment is due and make their payment according to the time schedule.  Attached is a copy of the verbiage on the website as the obligor makes the payment.  The obligor is informed several times prior to submitting the payment.

Expertpay forwards the payment to the State in which the obligor indicates.  The State of Florida has stopped taking payment for six counties.  this is not an ExpertPay issue.  the State SDU isn't taking payments or these six counties from anyone.  ExpertPay has no way of knowing...

what cases are being sent for which counties.  The State of Florida should have notified the obligor that this case was no longer being handled at the State level and to contact the county.  When ExpertPay receives a refund, ExpertPay notifies the obligor via email indicating to contact the State and provides the phone number to do so.

ExpertPay is an website to make child support payments on-line.  it is a debit based system.  Per NACHA regulations, the obligor's financial institution can return the funds for non payment up to 3 business days after submission.  ExpertPay relies on the end user to know when their...

child support payment is due and to submit the payments accordingly.  All hold times are displayed and agreed to upon the submission of the payment.  Attached is a copy of the hold times and Terms of Service that must be agreed to each time a payment is submitted.

Spoke with the individual and was able to reset his bank account for a new deposit.

ExpertPay notified [redacted] 3 separate times that his payments were not longer being accepted by the State of Florida.  As soon as ExpertPay received the first payment an email notification was sent to the email address on file indicating that the State of Florida was no longer accepting payments for his case and provided him with the phone number to the State of Florida (which is the phone number that Florida provided ExpertPay) to contact them to find out how to make future payments.  ExpertPay also notified [redacted] each and every time after the first payment.  [redacted] received emails at  providing him notification and documentation on what to do.  The first email was sent on 8/24/17, the second was sent on 9/19 and the third email was sent on 11/14.  Each email was sent on the day ExpertPay received the returned payment from the State of Florida.  Attached is a copy of the three emails that [redacted] received providing instructions on what to do.

I am rejecting this response because: the complaint is for 2 payments. They only paid one. They know this, yest continue to lie. They owe me $686. I will proceed to file charges for fraud.

ExpertPay is an online debit based payment system specifically designed to make child support payments.  [redacted] Inc. set up weekly recurring payments on February 10, 2016.  Mr. [redacted] says he contacted ExpertPay on 8/25/2016.  His payment was schedule for...

8/26/16.  The only person who could "cancel" this payment was the employer.  Mr. [redacted] had until 8:00 EST on 8/25/16 to cancel his recurring payments. For security purposes, ExpertPay employees do not have access to edit or cancel employer payments.  Had Mr. [redacted] logged into his ExpertPay account on 8/25/16 and cancelled his payment prior to 8:00 EST his payment would not have been debited from his account.  Because he did not cancel his recurring payment, the weekly payment systematically scheduled a payment for 9/2/16.  Mr. [redacted] received an email letting him know the payment was scheduled on 8/26/16.  Mr. [redacted] then had 7 days to cancel his next weekly scheduled recurring payment.  He could have logged into his ExpertPay account and canceled his payment any time in between 8/26/16 and 8:00 EST 9/1/16.   [redacted] was an "established" employer in ExpertPay so his payment was not held and disbursed to the State on 9/3/16.  Mr. [redacted] then did a Stop Payment on the funds at his financial institution so his payment was not funded AFTER the payment was disbursed.  Attached is a copy of his recurring payment history showing payment dates, a copy of the manual provided on line in the help screens showing how to cancel a recurring payment (page 38) and a copy of the Terms of Service. Mr. [redacted] did not cancel his payments which were sent to the receiving state and did a stop payment to have his bank not fund the payment.  Per the Terms of Service which Mr. [redacted] agreed to upon registration and setting up recurring payments, his company currently owes ExpertPay $115.47.

ExpertPay is a debit based system and is provided a "provisional" credit when debiting the users bank account.  Upon the initial debit, NACHA regulations allow for 72 business hours after to return the payment for several reasons (i.e. insufficient funds, debit block, frozen acct and many...

more).  ExpertPay holds the funds to insure the payment is funded.  Once the payment is funded, ExpertPay forwards the payment according to the Terms of Service:  ExpertPay notifies the user 4 separate times of the payment time-line.  the first time is upon registration:  PROCESSING SCHEDULE The effective date for processing payments will always default to the next banking day. The effective date is the date the funds are debited from your bank account.All debited funds are subject to a five business day hold to verify funds and insure account authorization. Upon the fifth business day, provided all funds have cleared, the funds are then transmitted to the receiving government agency.the second time is upon making a payment:For all payments, please allow at least seven (7) days for the payment to be received by the state agency. For a complete explanation, please see the Legal Notice and Terms of Use. The third time is after selecting the bank account and continuing:Payments are submitted to the receiving state five (5) business days from the effective date And the final time is upon submitting the payment:You have until 8pm ET the business day prior to the effective date to edit or cancel this payment.  If this is a recurring payment we will submit on your behalf per the schedule, however it is your responsibility to edit/cancel occurrences as needed.All processed payments will be HELD for 4 business days before submission to the appropriate state child support agency.  It may take 7-10 days to arrive at the state agency.ExpertPay is a third party provider and only method to make a child support payment.  It is not associated with any state and holds the funds to meet the NACHA requirements to prevent fraud and protect the company's financial interest.  The funds are held in a non-interest bearing account.