FIRST AMERICAN PAYMENT SYSTEMS

First American Payment Systems is the parent company of Payscape Advisors and Merimac Capital This is a cr**it card processing services that I have us** for the past years of a year contract It was sold by a salesperson from Payscape Advisors utilizing their processing services and Merimac Capital equipment lease In the past year we have had several problems with our customers being charg** multiple times on their charge card services Each time we call** for customer service support they inform** us that it was a problem with the equipment After several attempts with their customer service group offering no resolution to the problem we decid** that we could no longer accept this level of service and cancell** our contracts with Payscape Advisors and Merimac Capital Payscape Advisors draft** our bank account with cancellation fees well in excess of the remaining contract balance Numerous calls were made to Payscape Advisors and all were referr** to First American Payme

In August of I was encouraged to open a processing account with First American to save moneyI was contacted by a sales representative for First American who misled me with promises of services and contract pricing that have by no means been metIt was explained to me that my total costs for processing should not exceed 2% of card totals processed and I was in the 3%-3.5% area which adds upOriginally *** ***, accounts manager, says I will need to switch processors, I inform him I have a contract with my current processor and equipment lease - he assured me he handles these all the time and he would personally take care of it, he would send a cease and desist letter, which I have never seen and doubt was ever sentIt turns out my processing fees are now between 5% and 5.5% way higher than I was paying before and the equipment lease is charging $when the contract says $*** assured me he would be there every step of the wayMy previous processor and leas

Signed a lease with Merimac Capital (First American payment Systems) on 8/for stationary credit card machine and portable machine for the hrwrecker service that we offer
The portable machine would not work properly The wireless service that they use would not work in our area on the portable machine We lost out on several payments because of their problem Notified the company and they said there was nothing they could do Tired to cancel the month lease we signed but they would not allow it We returned all the machinery on 12/ They informed us that if we did not pay the $monthly payment, our account would be sent to a collection agency We have been paying this fee since Decof Enough is enough

Thank you for forwarding Ms
***’s additional correspondence. Please be advised that our records do
not show a written closing request was ever received from Ms***, therefore
the account renewed for an additional one-year period on June 22, as
stipulated in the Terms & Conditions If Ms*** would like to
submit proof of delivery for this written request, we are happy to review the
document for further consideration Again, as Ms***’s account was
terminated on August 5, 2015, prior to the end of the term (June 22, 2016), the
account was automatically charged the contractual early termination fee
and placed for collection of the outstanding balance. Nonetheless, as a
show of good faith and in an effort to resolve this matter, we will agree to
refund $for the collection fee and bank return fee assessed. These
funds will be credited to the bank account on file for the merchant within the
following to business days
Thank you for your attention to
this matterShould you have any questions or need any additional information,
feel free to contact the undersigned directly

I have been in business for thirty years and have changed credit card services two times without any problemsI needed to change banks but the bank I was changing to required I also change credit card service to theirsI was assigned someone who said I would not have to do a thing He would take care of everything which was necessary since my store was in a very busy periodHe informed Heritage, my credit card service, that I was switching to his bankHe created a "bridge" to his bank while waiting for the new machines and then set up the new machines on Oct.4thI thought that was the end of it but Heritage then began sending me a monthly statement of $for doing nothingI left open the old bank account and noticed the $was not debited from it Since I had never signed approval for my new bank for an ACH to Heritage and since it was never listed on my new bank statement, I was curious why Heritage kept sending me a statementIn August 2018, I called and it was ex

I own a deli restaurant *** * *** ** *** *** *** *** and I called during the month of April a credit card processing company APPSTAR they told me that I will have the equipment send and service rening in 48h but they wanted me to sign DOCU SIGN so I did and provided my bank account number and routing number they wanted because they wanted to be able to deposit the credit cards daily proceed to my bank account
The problem :
I never received the equipment neither APPSTAR never initiated the service I called many times but the sales man I talk with him in the begining never was coming on the phone
I receive a call in June from First American Payment Systemns that they are now the colloection agency to get $ I refused to pay because I NEVER received equipment neither services from APPSTAR but First American mention above said that it was NOT their problem .....they are mandated to collect .....they do NOT want to get involved but just get paid ...an

Sales Agent came to our small Auto Repair Business and promised that we would save money by changing our card processing to First American which they have their equipment through Merimac CapitalNever were we told that on top of the card processing fees we would have to pay an additional LEASE per month of just the equipment itselfNeither were we told that we would have a four-year contract and if defaulted we would have to pay over $This is ridiculous! The Agent sent Merimac a signed document which is NOT my signature or handwritingKnowing all this we would have NEVER agreed to do Business with this Company All we want is to break any ties with them, this is an abrupt and unnecessary situation for my Small Auto Business

Dear Mr***: Thank you for forwarding Ms***’s complaintAt this time, the matter has been forwarded to the local sales office and they should be in contact with Ms*** to work out a resolutionShould you have any questions or need additional information, please do not hesitate to
contact usSincerely, Merchant Relations

Dear Ms***, We are in receipt of Mr*** complaintBy way of background, First American Payment Systems is a credit card processing company that processes transactions for merchants set up by our various Independent Sales Offices, including Appstar Financial (“Appstar”) The
merchant signed the merchant processing application and agreement with Appstar on 04/12/By signing the agreement, the merchant acknowledged to have received, read, and be bound by the agreement and the terms & conditionsThe early termination fee charged by the merchant is disclosed in bold font above the signature in the agreement, and in paragraph of the terms & conditionsAs this merchant never received equipment or processed, we will, as a gesture of good faith, refund the funds taken out of the merchant’s account in the amount of $Please allow 5-business days for the refund to appear in the merchant’s bank account Thank you for your attention, do not hesitate to contact us with further questionsMerchant Relations

Under handed sales tactics and awful customer serviceNever return calls,no statements sent

I have a collection on my report from this company for credit card processing equipment I have never had When I filed the dispute nothing happened They did not produce any documents showing who and when this was done I then had a terrible experience when I called the company after they did an illegal "hard inquiry" on my report They were unprofessional and rude I kept asking for a supervisor or someone else to speak with and he said that their was no one else I just needed to pay the balance for the equipment (that I never had) I then hung up only for them to call me back and I told them not to call me and the man said, "we know exactly who you are." I just said what you all have done is illegal Do not call me again He then hung up I have had to call and report this to the credit bureaus as well

I was called by a repat First American Credit cards systemsOn FebI signed up with this companyI was told that I was only going to pay $a month for the usage of the machine regardless whether I used or not and no contract On the second month I discovered that was not trueOn May I sent a written cancelation request via faxUp to this date I 'm expecting to receive $plus deducted on June so approximately under $ they owed to my I have called these people over and over ; I haven't receive any resolution

This company promised no fees and no penalties and no timeframe what-so-everI've been trying to get ahold of anybody at the company for over a month nowI was charged $right away for an annual fee and then $60-$per month after thatI have not been happy with the lies they told me and the fact that nobody seems to be able to call me back during my business hoursThis company should not have such a high rating, there are SO many negative review and they are just stealing money from business owners

I was going through the application process for applying for a credit card processing serviceI decided it wasn't going to work because of the high fees to work with my CRMI agreed with the gentleman that would be cancel the applicationNow I find out that first American claims I agreed to a contract at $a month with a $cancellation feeI never entered into a contract

I signed a contract with Heritage Payment Systems a subsidiary of First American Payment Systems 12-06- The contract was to end 12-06- In November of after six weeks of having trouble with my credit card machine Heritage told me that they could not fix my machine (I think there is nothing wrong with the machine) and that they could not send me a new one unless I signed a new two year contract I told them I wanted time to think about it In January I called and told them I went with another company and wanted to send their machine back They informed me that my contract renewed automatically on Dec 6th, that I could not cancel without paying for another full year Fact # I did not have a machine that worked and they knew it Fact # I told them in November I did not think I was going to renew it Fact # They knew that it renewed in December and did not inform me I did not know that it automatically renewed in December Fact # They were the ones

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Here is an email from the New business owner to *** and *** today: The new owner is willing to sign and paySo, I need to be released from liability.I am also attaching documentation showing the new business owner registration with the state along with his banking details showing he has in fact received funds from this company to his personal banking account without me as an owner. I have also filed a compliant with the consumer protection act with the attorney general in the state of Texas.NEW OWNER EMAIL Dated 1/12/18*** and rustyI am just getting back in town from a furniture show and spoke to *** regarding this chargeback issueI obviously am taking on full responsibility as I purchased *** out way before these issues came upLars was given very clear instructions to change the account over time my name and we have lots of communication showing thatRegardless, I am trying to get the business back to a healthy state and get people paid offWe essentially ran out of operating capital and were not able to place an order with a large manufacturer, hence the reason for the people not being able to get their productsI have since brought on a little money to help us get back on track, we are restocked with lots of inventory and should make some pretty decent money over the next days.Can you please let me know how much is currently owed so I can set up a payment plan with your companyI fully plan on getting you paid backThanks in advance.*** ***Sent from my iPhoneRegards,
*** ***

Complaint: ***
I am rejecting this response because: He didnt address the issues I complained aboutIve never disputed what the actual contract said, only that I was misled about itAlso Ive checked this email on my phone, tablet, and home computer and I cant get the attached audio file to show upAlso, yes I did pay the "reduced" amount but that's only because the staff said it was an offer only good for days and afterwards you'd be sending to collections and thus destroying my credit scoreI paid, hoping to be able to get the money back
Regards,
*** ***

This company entangles you in contracts that you cannot possibly entangle yourself fromFor example, if after the term on the lease, you do not notify within days BEFORE your contract automatically extends one more year with a $termination fee
If you have two accounts, and they are not issued on the same day, you cannot terminate you account
The lady in collections is rude, calls you stupid and worseShe will not work with you in any manner except on the phone, she says that she is allowed to records the conversations, however we are not allowed to recordShe keeps threatening to ruin my credit and will not work to resolve this problem

Dear Complaint Resolution Team, We are in receipt of Ms***’ complaint and have been in direct contact with Ms*** working to resolve the underlying issues in her complaintWe worked with Ms*** to determine what outcome she wanted from her Revdex.com complaint, and she indicated that she would
be happy if we closed the account immediately without penalty and also refunded the last month’s fees that were withdrawn from her accountWe have received Ms***' closing letter, and we will be closing the account with no penalty as a gesture of good faith towards Ms***Also, we will refund the last month’s end of month fees totaling $since Ms*** did not process on the accountWe ask that Ms*** please allow 7-business days for the funds to appear in her accountWe hope that these gestures satisfy Ms*** and prove for her the excellent customer service that First American Payment Systems strives for. Thank you for your attention to this matter, if you have any questions or concerns do not hesitate to contact me directly. *** *** Merchant Relations