Global Check Services

Better...

Business bureau:
I have reviewed the response made by the business in reference to complaint id [redacted] , and have determined that this proposed action would not resolve my complaint.   for your reference, details of the offer I reviewed appear below. This response is unacceptable and offensive. To begin a response with "as for the woman" is inappropriate. I did not attempt to open multiple accounts. I submitted my dl, bank account statement and all other information as required by this "business". Your dl number is the way you sign into the account to check the status... Therefore there isn't multiple accounts that I attempted access. I recieved approval for this one account and called the vendor I attempted to do business with to complete the transaction. The busniess then was responsible for securing the green light from global check.. A process that they developed. I was then called by the vendor and told that global check's system crashed and that I needed to resubmit everything... Which I did. I was then asked for more bank statements... Which I provided. It was only when I called I was told by " [redacted] " that I did not qualify. The issue at hand was the demeanor and conversation of the employee (which was witnessed by others as she was on my car bluetooth) and that was the nature of my complaint. The idea that I am "banned" from a service I never used based upon the incompetence and willfull misrepresentation of the employee and this response to my complain is absurd. I would like to see these "differrent licenses" especially considering that the submissions are jpeg files uploaded by camera phone. Logic would dictate that difference licenses would require different addresses.   this is clearly a cover of inept employees and reprehensible customer service and I would not be surprised if " [redacted] " herself wrote this response as she indicated that she was the "highest I could go" in the organization. It is my hope that anyone who has to interface with this company is prepared to deal with a lack of professionalism and disorganization. My complaint as written previously and now still stands. I am sure that those who are able to rationalize will be able to clearly differentate between my commentary and the rebuttal offerered by this "business".
Regards,
[redacted]

Review: I was signed up with Global Check by a salesman by the name of [redacted]. I had had a bad experience with a previous financing company and was a little bit concerned with trying another one out. He understood my apprehension and offered me a contract with Global Check that would be Month to Month and said he would waive their annual contract. We used Global Check for a little while and found that it was difficult to approve our customers for their financing based on their minimum income requirements. We decided it wasn't worth the monthly fees to continue with the program based on the fact we couldn't do much business with them. We sent a written letter to Global Check to cancel the account at that time. One day I looked at my checking account and noticed that they had taken $300 out of my checking account. I was a little surprised to say the least since we had cancelled the account. I called their customer service number and [redacted] pulled up my contract and noticed it was Month to Month and agreed that the money should not have been taken out of my account. He assured me the $300 would be put back in my account in 3 to 5 business days. About 10 days later, when the money still wasn't there, I called again and talked to another representative who said they didn't know why the money hadn't been released back to me, but that it should be released now and would be 3 to 5 business days. Since then I have called multiple times and gotten the run around. That was back in early June. Today is August 1st and I called once again. This time, for the first time, they told me my request was turned down. Even though they sent me an agreement to sign that had Month to Month on it and the annual part of the term scratched out, they feel that it is the right thing to do to not honor that agreement. Apparently, when [redacted] or whoever, faxed me back my account information they put Annual agreement down as the term. When I questioned Mr. [redacted] about this he said it was a mistake and that the contract was Month to Month and that I could just scratch the Annual agreement out and write in Month to Month. I figured that since the original agreement was signed for Month to Month that that made sense and should be ok. Little did I know that this was a set up from the start. Even if their little scam was "legal" which I'm not sure about, what they did was completely unethical and a very bad way to do business with another business. I would never treat one of my customers this way and would never go back on an agreement even if I could get away with it. Shame on Global Check.Desired Settlement: I would like to get my $300 back from Global Check since I followed the original agreement. I would appreciated if they did business the same way.

Business

Response:

To cover the first issue concerning the term of the agreement. It is annual. On the contract itself it says no terms may be altered and that it is annual. As a precaution, we send out at least two confirmations via e-mail and fax to the business when they sign up describing the terms, fees, and operation just in case there is an agreement between the store and agent we aren't privy to. We also do a verbal confirmation call covering the cost, term, and operation. This is done to ensure the store is aware of what we are accepting. If any agreement is made between the store and agent that conflicts with our written agreement, that discrepancy should be taken up with the sales person making promises outside the scope of what we do.

After reading the recorded notes from prior calls, it is clear that no one promised to make the contract monthly and waive any obligations. On the contrary, there were a few instances where the person reminded the caller that no such promise was able to be made.

Concerning the attempted sales. The reason some weren't accepted was because what you entered as being the customer's income ultimately proved to be far greater than the actual amount. This is something we also check to make sure all are being honest with us before we hand over money on a sale that may end up defaulting.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I guess I'm a little confused by Global Checks response to my complaint. Does [redacted] work for their company or not? He is the person who sold me on the financing and set up the contract with me. If he never told me that it was a Month to Month contract, then why did he fill it out that way? I would like to have copies of the recorded calls between him and I since I brought up the fact that I did not want to sign up for a yearly contract for this very reason. I would also like to hear the recording where I was told specifically that I could not do this month to month. Also, why was it that their representatives told me that it was indeed a month to month contract and that they were going to refund my $300? As far as the final paragraph in their response, I was merely explaining that their qualifications for financing were too steep for most of our customers in our lower income area. It wasn't a complaint, merely the reason we decided to cancel our account. I would really appreciate my $300 back that acknowledged I was owed. I am also a part of a national chain of Automotive Repair facilities and will make sure everyone in the chain knows how this company does business if I don't get the money back.

Regards,

Business

Response:

[redacted] is a sales agent but does not have the authority to change the terms as is written in red towards the bottom saying no part of this shall be waived or altered.. He may have asked for it on the application but our responses back to the store said the contract was an annual term. instead of a recorded call, you can view the e-mail/faxes sent to the store. A copy is kept in your in-box in your record. Has been since the first day you signed up.

No one at the office said a refund was coming. it was noted you called and asked for it but that was the extent of the conversation beyond being told it would be looked into. It was further noted by others that you claimed to them the person prior had 'promised' a refund.

Below is the text from the fax and e-mail sent to you on the day you signed up with us. This was followed up with a confirmation call a few days later covering the same. How that and this don't convey the point the contract is annual is something I'd like to know.

~

GLOBAL CHECK SERVICE INC

266 S. MAGNOLIA AVE # 201

EL CAJON, CA 92020

800-988-6221 STD FAX 800-961-2219

10/13/2011 11:22:39

TO [redacted]

816-252-3368

TO: [redacted]

Sales office [redacted]

MERCHANT INFO MERCHANT NUMBER SVC REQUESTED

FEE SCHEDULE:

Rate % 7.50 Inquirey 0.25 Monthly Fee 15.00 Minimum 25.00 Customer ARC fee 35.00

Setup charge $125.00 One time.

Marketing Material $25.00 One time.

TERM: Annual agreement.

This is a confirmation of your order.

Arc is an alternative to financing based on your customers income, not credit score.

As easy as it is to use there are procedures you should become familiar with.

We have prepared a short video that you need to watch which covers operation,

claims, and statement access. It's located in the merchant section of our site at.

www.globalcheck.com

Fees billed by GLOBAL CHECK are those listed above. There are no other charges given.

You will be contacted shortly to demonstrate the service, provide printed instruction

material, and provide you one on one instruction in its use. You will receive a training call from

us within the next couple days along with marketing material which is a banner, window decal, tent signs, and brochures.

Access your account at www.globalcheck.com. Your merchant number is 14478169

and password [redacted]. Do not give out your password to anyone. Treat it like your debit pin.

Go to www.globalcheck.com and select MERCHANT. From there select 'Account & Statement to log in.

Your account is active and ready to use. To use, go to: www.globalcheck.com. Select 'Merchant'

then 'Account & Statement', Us your merchant # & password here. Once in, click on the ARCNET 90 logo

Review the instructions on that screen. There is a short video on that page demonstrating it's use.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

is a sales agent but does not have the authority to change the terms as

is written in red towards the bottom saying no part of this shall be

waived or altered.. He may have asked for it on the application but our

responses back to the store said the contract was an annual term.

instead of a recorded call, you can view the e-mail/faxes sent to the

store. A copy is kept in your in-box in your record. Has been since

the first day you signed up.

No one at the office said a refund was coming. it was noted you called

and asked for it but that was the extent of the conversation beyond

being told it would be looked into. It was further noted by others that

you claimed to them the person prior had 'promised' a refund.

Below is the text from the fax and e-mail sent to you on the day you

signed up with us. This was followed up with a confirmation call a few

days later covering the same. How that and this don't convey the point

the contract is annual is something I'd like to know.

Paragraph 1 response: It surprises me that you would employ people who don't abide by your rules if this is the truth. If I had an employee in that kind of a position that lied to my customers, I would take responsibility for it and probably terminate their employment. What exactly are the e-mail/faxes that you are referring to? Are you talking about the agreements or the actual calls that were recorded between me and your associates?

Paragraph 2 response: Not true. The first few times I called I was told it was indeed a Month to Month contract and they didn't know why the money was removed from my account. I was told it would be returned to my account in 3-5 business days more than once. Once again, I would like to get copies of these calls.

Paragraph 3 response: Like I said before, the contract that was sent to me to sign was changed by your sales agent to read that it was a MONTH TO MONTH agreement. When I talked to him later about it I questioned that the fax sent back to me said Annual agreement and he told me that that was a mistake and that it was indeed a MONTH TO MONTH agreement like we had agreed to it. He told me just to draw a line through it and write in MONTH TO MONTH which I did on my copy.

Its sad to think that a company like yours is willing to cheat its customers out of their hard earned money. I entered this agreement with good faith that you would hold up your end of the agreement. The agreement that I signed claimed that it was a Month to Month agreement. You know that and I know that. Maybe you had some sneaky stuff in their too that allows you to get out of this agreement, but I think you know that this is an unethical way to do business with people. Until this point, I actually had a decent experience with your company, it just wasn't the right program for my specific location. After this I certainly won't be recommending you to anyone and will try and steer others away from you. If being dishonest and getting negative press is worth $300 to you than I feel sorry for you.

Regards,

This company is a major scam. They charge you to get in to the program and get there equipment and they swear that 80% of people are approved for the financing then once you get in they turn everyone down including people that clearly have money and never over draw. this company is the BIGGEST scam don't trust them. Then when you want assistance it takes days to get the help. They make sure you're locked into a contract this is how they make money. and then when you don't get any body approved all month they charge you for not using the service.

Review: On 3-20-2012 I entered into a year contract with global checks. After a few weeks one of our customer qualified for fast track financing which global checks agreed to pay us in full upon receiving the customers deposit. The deposit was made by the customer direct to global checks. After a few days I contacted global checks and spoke with [redacted] which at that time he claimed that he had not received payment by customer and will not be able to sent me the full payment which was agreed on.

after a few weeks of speaking to patrick nothing was resolved and patrick agreed on canceling out the customer in question due to an error on their behave in which the customer in question now didnt qualify for fast track by that time my customer had already made his payment and a month had past by and was charge his monthly fees by global checks. global checks closed my customers account and said they will fully refund me the full amount due to the error. weeks after only $489.00 was returned and I had to cover the rest. global checks had been charging me monthly fee since and I had send them letters to close my account after my year contract had expired and they continue to take money out of my bank account on a monthly basis.Desired Settlement: I want global checks to refund all the money they charge me

Business

Response:

Addressing the sale done in Mayl 2012. When a sale is done there are a few methods for the store to be paid. One, called FastTrack, is when the store will receive up to the sale amount up front for the payments received over the given time period. In those instances we advise the store what the amount is going to be if it's accepted. We notify the store via fax and e-mail on those days. Those notifications are also kept in the store's in box for future reference in the event the original fax or e-mail was missed. Purpose being to ensure the store is fully aware of what their customer qualifies for. This store is complaining about the portion of the total sale sent stating they were told they would receive the entire amount up front. In the referenced sale, the following was sent to the store. There were no other notifications sent. Four days later the store called and asked to have the balance of the sale voided out.

GLOBAL CHECK SERVICE INC

266 S. MAGNOLIA AVE # 201

EL CAJON, CA 92020

800-988-6221 STD FAX 800-961-2219

05/22/2012 13:19:33

TO [redacted]

05/22/2012

The FastTrack sale entered for:

Home [redacted] Cell [redacted]

Employer [redacted] contact:[redacted]

Sale amount $1758.46 has been accepted and is being processed.The

fasttrack amount of 501.93 will be posted once the initial customer

debit clears

If this wasn't clear enough please advise as to what would have made it so. If there is a better method we'd like to know what it is.

Concerning the request to close. The store called in June wanting to know how to close their account. At the time they were in default. Their 25.00 monthly bill had been returned by their bank as NSF. There were 6 or so months left on their contract and were told to send us something in writing requesting it to be closed. IN addition it would be required to bring their account current with the balance owed covered. To this the merchant disagreed and nothing further was done.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Global checks has made false statements and I have no orther choice but to proceed with legal actions (1) if account has not received a full refund of the monthly charges since the contract expired 3/20/2013 (2) account continue to stay active.

I have tried in many ways to have my account closed via letter / fax phone ect. And have gotten no were.

Regards,

Review: Well we signed with Global Check to produce more business. We were thrilled because many of our customers had requested that we offer some type of financing especially to those with not so great credit.[redacted] was the rep who came into our office to do the initial presentation NO Credit Check Financing was the catch. During the presentation we asked questions like what are the requirements and the down sides of this product? We were told it was very simple and a great investment. Customer requirements: valid checking account,& no overdraft in the past 30 days along with minimum down payment. He added that everything would be done online, & approval or denial would be received w/in a few minutes. We also asked how soon we could expect payment after sale? The answer was: within 48 hours. ALL the information provided sold us!Unfortunately it was ALL untrue!! Since initial set up and after all the money paid up front to install & get our equipment up to date, which mind you, our old equipment was used we were told the set up fee was waived. Well,since that day we have used this product ONLY ONCE. That was enough to prove that this is more than we bargained for. Our 1 customer was required to bring in the works. ID, Social Security Card, voided check, employers complete information, check stub, bank statement, and on top of all this we had him drive back to his bank with a bank form that was to be filled out by All: himself,business & the bank representative. This bank form asked for routing number, account number and bank rep's name, title and phone number.The customer was pretty upset with US over the entire process because not only was it a lengthy wait time he also found himself going back and forth. The customer made this comment to us after the sale: "This was a horrible experience and not only will I not return, but I will make sure and tell everyone I know how bad this experience was" A Complete negative for our Business & False Advertisement at its Best in our opinion.Desired Settlement: We contacted the company,& sales rep, soon after this ONE Sale to request refund and cancellation of their product and services. As we felt they were going to be of no financial gain to us. They refused stating we could choose not to renew after the year and that this was the only option. We would like ALL fees charged for initial set up to be Refunded. We do not care to use this product or service any further.Thank You in advance.US Tire & Wheels[redacted]

Business

Response:

A few things need addressed here. The requirements we have concerning what a store's customer needs to have are not as extensive as what is stated. We do require evidence of income (a pay stub), bank information ( a copy of a check or bank form if a check isn't available), and bank account statement along with proper ID. What was provided to us for the sale ran was the pay stub, bank statement, bank form ( no check copy given), and ID.

This is needed for assurance the person can and will pay back the total amount given to the the store. The amount to the store is provided by global check and we in turn wait for the store's customer to pay us back. We do not ask for social security numbers. If the store collected that, it was for their own use, not ours. The trip to the bank would not have been necessary had the customer provided a copy of a check. We need the correct routing and account number for their bank. A bank statement only provides an account number, The bank form is an alternative to a copy of a check. These steps are provided the store on the day we receive the contract. There is a demonstration slide show on their account page which is two minutes in duration showing a store how to use this and what is required.

The above named items are done to help the store avoid losses and ensure they are paid by their customer. However, it also requires the store keep their end of the bargain. Part of that is being financially solvent and completely truthful with us since our money is at risk based on what the store gives us concerning their customer. In this case, those requirements were not met. On june 13, prior to this complaint being filed, we received notice this store, [redacted] in [redacted], bounced their monthly fee of 25.00 as NSF. In addition, there never was a call placed to us in the past expressing the opinion that the amount of paper work was overwhelming or that there was a wish to close out their account.

At present, the store is in default on their contract since they do not have 25.00 in their business account to pay for their service.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I will agree that they did not ask for the SS card. However, the information about the bank form was never relayed until the customer was in our office and I was on the phone with one of the representatives obtaining help with our first sale. The demonstration video we saw showed 2 icons to click one with check present other without prior to this date I was completely clueless that such form existed because we were never advised. Mind you we had advised the Rep when he came in that 1.) The Owner is from Pakistan and does not understand English too well, and 2.) I am a hands on type person and would require as much information as possible because I do not like to be caught by the element of surprise. The rep walked us thru all the screens and even made sample sales but not once did he mention the bank form. Regardless of the fact, Thankfully the sale was made and we were expecting to be paid with-in a few days. When we weren't I contacted Customer Service and they explained that we can not get paid in full until the customer makes payment is when we will receive part of that payment. I exclaimed that all that is completely unfair and total opposite of what we were told. I commented that if this had been told during the initial presentation we would have declined because the reality of the situation was that NOT only are we now OUT of Merchandise but also OUT of Money and waiting for payment, I asked where is "OUR" Gain as a small business? Because the Customer gained by being able to take the product, and "YOU" the Finance company gained by earning business and you may not get paid in full now but you will get paid in plenty of interest fees, but us as the 3rd party small business we are out of stock and out of money to replace the merchandise that was sold. Totally makes no sense to me. I know I called!.The fact that they did not record or take note of that particular call seems to be a little odd to me. The reason for the bounced check is because we will not deposit any money in to account until this matter is resolved and we are released from this contract with Global Check Services. It is completely absurd that they will not admit we were mislead and taken advantage mainly because we are at a disadvantage since the owner don't speak or understand English too well we are not as savvy as the average business. Ultimately, we want to be released and let out of this contract and want reimbursement for the initial fees paid. If not all, at least in part because we will not be using the equipment any further. Please help us just end this dispute as calmly as possible. Neither party is benefiting either way.

Thank you for your time,

Regards,

Business

Response:

In the first part it is said there was no mention of the bank form. Again, if the customer does not have a check, how are we supposed to get the proper routing and account numbers? The bank form is discussed as the alternative to a blank check on the demo video and instructions. To date, this is the first time we've ever heard a complaint from anyone about it. Most are glad we have it for those situations when a customer doesn't have a check to use. If we aren't able to get the proper bank routing and account information, there would be no sale at all which is why it exists.

Concerning the interest that is believe we're earning. We're not. There is no interest being charged to customers by us. If any is, it's by the store. If the plan fee was added to the sale it was done so the store's fees for guaranteeing the payments would be passed on to the customer. Essentially, have the customer pay. Our cost to the customer is 35.00 per sale. That amount is written on the ARC agreement between the store and customer. It's also on the merchant application form filled out wit the agent when the store signed up. Both are one side of one page and not complicated to read.

When any sale is done, an e-mail and fax is sent to the store explaining how much of the total sale amount we would fund upfront. Its an amount based on the grade of the customer. Not all customers qualify for the full amount. The option to reject a sale altogether if it's not enough is also given. We did get a call about that, days after the store received the money we sent. By then it's too late to change since the customer has already had their account debited and as far as the store's customer and us are concerned, the sale is done.

Claiming a lack of sophistication is misplaced at this juncture. During each and every sales process with all stores we communicate the status of each transaction each step of the way so as to avoid any misunderstanding. The only way for someone to not know is if they ignore our faxed and e-mailed notices and never check their on-line statement we provide. We do this to ensure that even if a person forgets how things work, they get a reminder each step of the process. Most stores are very grateful we provide this so they can focus on what their business does instead of having to spend time learning the ins and outs of doing this.

The one error I made was the amount of the NSF from the May bill for this store. it wasn't 25.00 that bounced as NSF. It was 10.00. If this account is not the primary business account that is another issue. It was discussed by the agent with the store concerning its financial viability. Since GCS is risking up front money we need to know a business is stable and there be a mutual level of cohesive trust. Hiding a primary account would only be done to shield from potential chargebacks in the event a customer defaults before we've received the funds to cover what we've given already. That doesn't seem an unsophisticated tactic. If it is the primary account then it demonstrates the business is not as stable as what was claimed to us when the store signed up. Since you are not the responsible party, and are not under contract with us, this entire complaint lacks standing. The account for [redacted] in [redacted] is in default until it's cured. That you can pass on to who ever it is that is responsible and if they have an issue with us, have them call us.

Review: The Global Check representative fail to disclose fee associated with the use of their service. When his was brought to the companies attention of Global Check. There response was that we were under contract and that there was nothing we could do about it.Desired Settlement: Refund of month fees, cancellation of service

Business

Response:

On March 5th when you signed up a confirmation fax and e-mail were sent to you. In addition, we made a confirmation call to you on March12 to review fees and procedures. Below is a copy of the fax and e-mail sent. Both of which are in your in-box of your record and have been since the day signed up, 8 months ago. We did receive a call from you a couple weeks after signing up concerning being charged for equipment in addition to the service. The equipment is something we don't bill for nor have any involvement with. If that is what this is about, please refer to the equipment seller, [redacted]

Confirmation e-mail/fax sent to this store March 5

GLOBAL CHECK SERVICE INC

1524 GRAVES AVE UNIT C/D

EL CAJON, CA 92021

800-988-6221 STD FAX 800-961-2219

03/05/2013 13:44:58

________________________________________________________________________________...⇄ />
TO [redacted]

TO: [redacted]

Sales office [redacted]

MERCHANT INFORMATION:

________________________________________________________________

PNC BANK |: [redacted] |: [redacted]

FEE SCHEDULE:

Rate % 9.00 Inquiry 0.20 Monthly Fee 15.00 Minimum 25.00 Customer ARC fee 35.00

V code items have no rate charged. Cost is 0.50 per item regardless how large.

Resubmitted items have no rate or per item charge

Setup charge $495.00 One time.

Marketing Material $25.00 One time.

TERM: Annual agreement.

The only fees due are those listed above. There are no other charges that apply nor are there any fees billed by anyone else.

This is a confirmation of your order.

Arc 90 is an alternative to financing program based on your customers income, not credit score.

Log into your account at www.globalcheck.com and watch the 'INTRO' video

at the top of the page to become familiar with your account. Watch the

demo videos next to the 'ENTER A SALE' section to learn how to properly

do a transaction.

Review: In 2012 my company signed on with Global Checks to provide short term financing for Plumbing work. After paying the set up fee we never saw or heard from Global Checks again until Dec. 4 2013 when they debit the business checking account. When I saw the charges I immediately contacted Global Checks. They instructed me to send a letter to cancel the services and request a refund. I did as they requested and mailed the cancellation letter on Dec. 4, 2013. I called back on Dec. 23, 2013. Customer Service instructed me to call after the 1st of the month as that is when they issues refunds. I called back, they did not even consider my refund. Customer Service sent another request to have the refund reviewed. I contacted Global Checks on Jan. 13, 2014. They are not going to issue a refund. Why? Because our contract renewed in November (news to me I was never instructed of this fee) and because they did not cancel our account until Dec. 31, 2013.

Beware of Global Checks they are out to get Small BusinessDesired Settlement: I don't want any other small business to get taken advantage of.

Business

Response:

On November 19 2012 the business, [redacted] Plumbing in [redacted] CA signed up with us. On the contract, attached, there is an annual fee of 150.00 which comes due on the anniversary date each year. The first year was waived. After we received the agreement from the sales office we send a confirmation e-mail and fax to the store, also attached, with the fee schedule on it it. In addition we do a confirmation call which was done on November 28 with the owner, [redacted]. In that call we cover the fee schedule as well. You called us on Dec 4 2013 requesting the account be closed which it was . A letter was received later in December. You alleged fraud by the sales office which was why you were told any decision would take a few weeks bring the time period to after the first. We found no evidence of fraud by the sales office what so ever. .

Review: In May of 2013, a representative from Flex-Chex Inc./Global Check Service Inc., approached me about entering into a financing program for the customers of my automotive repair business. After several visits with this representative, email exchanges, and phone calls, he requested a check for $150 to start the process for the financing program. On June 24, 2013, the representative asked for the check to be made payable to him and stated it would be placed into an account to be used as a start up fee, once approved by Flex-Chex Inc./Global Check. On three separate occasions, affiliate companies, (MBF Leasing, LLC., Secure Payment Systems, Inc., Azura Leasing), debited our account without notification and withdrew monies not agreed upon. After contacting the owners of Flex-Chex Inc., J. [redacted] claimed to not know why their representative had asked me to write a check payable to him, and that they would look into that matter. In that same conversation, on August 15, 2013, Mrs. [redacted] also stated that the three withdrawals should not have been made due to the fact that [redacted], my business, was not yet approved for the program. She then assured me that all the money would be reimbursed back to our account. After reviewing [redacted] bank statements, we noticed several debits to our account not found in our agreement and also discovered no money had ever been refunded.

After the original delivery of the POS terminal and imager, ("equipment"), the cord to the imager broke, and I contacted Flex-Chex Inc., requesting a new cord. The owner, L. [redacted], told me to have the equipment packaged and ship it back. During our conversation, after I let him know that Flex-Chex was not a valid option for my customers, he offered me a new financing program, Arc90, which I accepted. He stated since the equipment would be shipped back to him, he would be able to download the new software onto the equipment, replace the cord, and return the equipment to me within a few weeks. I sent the equipment via FedEx on September 5, 2013 as requested. It was not delivered to [redacted] until November 4, 2013. Since the financing program cannot be offered to my customers without the specified equipment, I called Flex-Chex Inc. several times over the two month period, for updates on the repairs. On one occasion it was explained to me by Mr. [redacted] that the equipment needed to be shipped back to the manufacturer and I would receive it in two weeks. The equipment never arrived to my business so I kept attempting to contact Mr. [redacted] because I had customers who wanted to use the program. After loosing business from those customers, I tried yet again to contact Mr. [redacted], and my calls were never answered or returned. In an attempt to get some answers, I called Mrs. [redacted] but instead spoke with D. [redacted], the third owner. Mr. [redacted] stated he was unaware of the situation and wanted to let me know he was going to look into this issue and call me back. His finding was that there was a lack in communication within their company and that is why the equipment was never returned.

Due to the two months of being left in limbo and discovering the many withdrawals to [redacted]'s bank account without even having the proper tools necessary to fulfill the contract agreed upon, all confidence was lost in the credibility and honesty of Flex-Checks Inc./Global Check Service Inc., and affiliate companies.Desired Settlement: I would like all agreements made between myself, ([redacted]), and Flex-Chex Inc./Global Check Service Inc., MBF Leasing LLC, Secure Payment Systems, Inc., Azura Leasing, to be terminated.

Business

Response:

FlexChex is not part of our company. We are not affiliated with the terminal secure payments, or the leasing companies either. With ARC90 no equipment is needed so the reference to the POS terminal is not to do with us. What we do have is your business signing up with us in Sept this year and then going into default the following month for failure to pay your monthly bill. If you have issues with Flexchex, giving them money, the lease, the equipment, and any of mentioned employees in your letter which are not ours, it should have been filed against them, not us. I didn't see any mention of persons who work here or anything attributable to our organization beyond inappropriately attaching our name to someone else. This complaint should be removed.

Review: To whom it may concerns:On December - 12-2012 We entered into a contract with the company Global Check (see Attachment).The agreement was to provide financing to our customers when they needed financial assistance to pay for their car repairs.The program works off of the Customers Personal Checks; The Company was supposed to give us a machine (check reader)to be able to process thesechecks so the program can work.Global Check has never sent nor have we received the Check Reader, but we have been Charged from the very beginning the fees for the program. We can not process anything; [redacted]. Representative said is our salesmanproblem;(He does not answer or return our ph. calls)Now they cancel and charge us taken the money from our bank account !!!Desired Settlement: we would like all our money back that they have charged us since the beginning.

Business

Response:

RE: T[redacted]

[redacted]

[redacted]

The first time we heard from this store was on May 24 this year. Several weeks after he had already defaulted on his billing with us. When we were called by [redacted] in May that was when we learned about the missing terminal. He was told then that we don't sell or supply any equipment. In addition, we told him a machine wasn't necessary to even use the service. He was aware of that already.

If any money was paid to the person selling a machine, we wouldn't know about that or have any influence one way or the other since we aren't involved in equipment sales. In Dec of 2012 we do show account activity using the web interface to process a test transaction using this person's own information. Using the service without a machine still exists, as he's aware. However, the issue of his billing default needs resolved first.

Review: I bought a rifle from G[redacted]. I paid all except one payment. My card was compromised so I got a new one. I called Global check services at least 4 times and every time they said no problem it's due to come out of my account within a few days. It never came out and I was charged a late fee. I called in April and was told , no problem, it's coming out on my payday. Never did.Desired Settlement: I want the 167.00 to come out of my check on the 24th of April or I will pay G[redacted] directly as one of their male agent suggested.

Business

Response:

As for Mr [redacted] who complained about not getting charged for thepurchase he made. We thank him for his honesty in keeping up on hisdebts. It was a mistake in that we did not forget about him bouncinghis prior payment. We usually do not represent a bounced item untilsome time in the future when we're fairly certain it will clear. We dida few days ago.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards. P.S, My check didn't bounce. My account was temporarily closed due to a compromised debit card.

Review: I was called by a sales man who about harassed me over the phone to use their ARC 90 financing program for my customers. I was told it was $15.00 a month for this service. and he would charge it as a one time fee of $189.00

I was charged $194.01 and then I stared to get $50.00 monthly bills.

I asked to cancel and they refused. I asked repeatedly over and over, they refused.

I was told that even if I cancel they will still have to charge me $50.00 a month as I signed a contract. Well fist off I was lied too. and second I never once used the service.Desired Settlement: I want the contract canceled and no further billing and I want them to do honest business practice

Business

Response:

Handy Hammer's justification for defaulting on his contract and notpaying his bills is ambiguous at best. The selling office's descriptionof our service on his web site was topical and not intended to coverevery detail which is what Handy Hammer is hanging is hat on. Thecontract and follow up confirmation faxes, e-mails, and conversation wehad with him did cover all fees and wasn't an issue at the time. Nonethe less, we had to charge it back to the selling office since hedefaulted on his contract.

Review: On 10-15-12, I entered into a non cancelable contract with Global Check Services, [redacted]. A check Verification & Recovery Service. Then in the next couple months we started having banking issues so we changed banks and on 1-28-13 the trouble with Golobal started. They said my bank "froze" the account with them and they could not get thier payment so they kept the money they owed me. Now things on my part are cleared up and they are paid but I am not. They continue to take the payments out of my customers accounts but they are not passing it on to us. Right now they owe me well over $800.00. They have collected all of what one customer owed and cleared thier account out and I can't even see what has been done. They also owe me two payments from another customer. Six (6) months of holding our money is totally unacceptable.Desired Settlement: I would like to get paid. I will NEVER use them again once the other customer is paid off.

Business

Response:

The issue was your financial stability and the risk we were being exposed to based on your bank account being nsf, closed, and frozen at various times for the small amount of the billings being done.

GCS performs the debits on your customer's account which puts us in a position to absorb a return from that customer when and if it occurs. We need assurances that a business is safe and viable to participate in this form of financing since we are assuming a large risk on behalf of the business.

A customer has up to 6 months or in some cases longer to dispute an ach transaction. If we credit your account and later the customer charges it back, based on your account status, there is no way we would ever get it back. We need to be sure we're not going to take an unnecessary hit like that. If a business does not have even 40.00 in their account they're near bankrupt and probably won't be able to cover any customer returns. In those cases we do one of two things. If the account is brought current, the credit will post once the time the customer has to refute it lapses. That or we simply return it to the customer if the account never resurrects itself.

When your account went into default several months ago we notified you immediately of the problem. Several times actually and it wasn't until this past month you replied indicating you didn't understand why your bank froze your account. That's not something we would be privy to but we are required to abide by whatever responses we get from a bank concerning billing. Of the ten months you have been on board with us six of those months your billing was returned as unpaid for a number of reasons. That doesn't lend itself to being an on going concern or stable. For that reason we had to take a very cautionary approach to issuing credits since once sent, there was no option of return.

Review: I submitted an application for financing and was approved. I then contacted the merchant and was advised that my drivers license could not be submitted and I would have to wait when Global Check reopened on Monday (the business was able to see my account details including approval. She was not able to get my DL to submit in the system). On Monday I get the paperwork, signed and return to the merchant and waited for final approval. I was then advised that The ARC 90 system was down. On Tuesday I was informed by the merchant that ARC 90's system had crashed and that I would need to resubmit the information. I called the Global Check office and spoke with [redacted] who was exceedingly rude and unhelpful. She told me I had four accounts and when I protested she said "well you did it". When I asked for a manager I was told she was the highest I was going to get. When asked if she owned the company I was told "no I don't but I'm he highest you are going to get today". I was then hung up on. I called back and got the same rep..when I asked for a manager I was asked "who is this" and "what do you need". She refused to give me the name of her immediate and continued to hang up on me. This is reprehensible customer service. If customers Re treated in this manner companies will lose business.Desired Settlement: I just want [redacted] to receive customer training. She is a terrible representative for the company and will dissuade customers from doing business with them.

Business

Response:

As for The woman [redacted], She is banned due to attempting to openmultiple accounts using different driver licenses as her identification.Even without her colorful use of vocabulary with our employees and theother issue of her bank account balances she would still be barred fromuse.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.This response is unacceptable and offensive. To begin a response with "as for the woman" is inappropriate. I did NOT attempt to open multiple accounts. I submitted my DL, bank account statement and all other information as required by this "business". Your DL number is the way you sign into the account to check the status...therefore there isn't multiple accounts that I attempted access. I recieved approval for this ONE account and called the vendor I attempted to do business with to complete the transaction. The busniess then was responsible for securing the green light from Global Check..a process that they developed. I was then called by the vendor and told that Global Check's system crashed and that I needed to resubmit everything....which I did. I was then asked for more bank statements...which I provided. It was only when I called I was told by "[redacted]" that I did not qualify.The issue at hand was the demeanor and conversation of the employee (which was witnessed by others as she was on my car bluetooth) and that was the nature of my complaint. The idea that I am "banned" from a service I never used based upon the incompetence and willfull misrepresentation of the employee and this response to my complain is absurd. I would like to see these "differrent licenses" especially considering that the submissions are JPEG files uploaded by camera phone. Logic would dictate that difference licenses would require different addresses. This is clearly a cover of inept employees and reprehensible customer service and I would not be surprised if "[redacted]" herself wrote this response as she indicated that she was the "highest I could go" in the organization.It is my hope that anyone who has to interface with this company is prepared to deal with a lack of professionalism and disorganization. My complaint as written previously and now still stands. I am sure that those who are able to rationalize will be able to clearly differentate between my commentary and the rebuttal offerered by this "business".

Regards,

Review: On October 19, 2012 [redacted] (representative of Global Check Services) informed us that he represents a company with 0% financing and would qualify our customers immediately and would not cost us for financing with the money directly deposited to our account within 2 business days, but there would be a one time fee for a check reader for the amount of $649 that was supposedly refundable if we didn't like the service. And we can cancel anytime without any penalty or charges. So we proceeded with the service and signed the contract and paid him $649. Then after signing the contract which he gave us we had an issue with the funds not being deposited into our account. We contacted [redacted] several times without any success. Then we contacted the toll free number direct and they told us that the money will be deposited within a few days. This few days Global Check promised wasn't received until December 3, 2012 for an amount broken down in 6 installments--which Mr. [redacted] fraudulently misrepresented. According to Mr. [redacted] we were supposed to be paid the full amount of the sale. Then, when we went to inquire further we found that there was a different contract that Global Check had with a forged signature and date different than the one we had. We have the original document that we signed. The one Global Check has is not the one we signed.We have all the supporting evidence of the original terms of the contract with the forged signature and wrong date.At that point, we knew that we were scammed. If a settlement is not reached, we would like to know the governmental agencies that regulates financial institution in order to stop other merchants from being scammed as well.Desired Settlement: 1. Please cancel this fraudulent contract immediately.2. We want a complete refund of all the charges that you deducted from our account and stop any further charges being incurred including a refund of $649 that was paid for a refundable check reader.3. We are at a loss of the balance that the customer financed--I don't think we can recover that.

Business

Response:

We received the agreement for this store, [redacted], on Nov 5, 2012. On that same day we called the store to confirm the contract with them as we always do. The fee schedule was explained to which the store owner indicated a different perception and had requested a copy of their agreement. It was sent to them that day and was made available on their account page. The merchant didn't indicate any differences in the contract terms or that there were any alterations after that. Until today, we were never told or made aware of there being a claim of contract alterations. What we were told on Nov 5th is the sales person told them it operated differently than it actually does. The merchant could have canceled the contract at that moment. They did not.

On November 10 the store used the service with their first customer. In that process a confirmation fax was sent to the store indicating what the payment terms would be. The store called and was told the customer wasn't solvent enough for us to fund the store the entire sale amount up front. That it would be paid to them as the payments were collected from their customer. Same was stated in the confirmation fax/e-mail sent to the store in regards to this sale. These messages are faxed & e-mailed to the store with each transaction and are also available in their in box on their account page with us. All messages are made available at all times for the store to view. These messages are still there.

If the contract terms were unacceptable, the store should have said something on Nov 5 when we called them. They should not have used our service until those issues were resolved. Minimally, we should have been alerted following the receipt of transaction confirmations sent to the store concerning the timing of the money disbursement when it wasn't what they expected. If they were expecting up front funding and the confirmation fax said otherwise, the sale should not have been accepted. They accepted it as it was.

The one sale they processed ended up being charged back as unauthorized by their customer. Meaning, the customer never authorized the store to initiate debits to their account. As to the truth of that, we aren't in a position to judge its voracity. That would be an issue between this merchant and their customer. We are bound by banking regulations to honor a return reason of unauthorized by a store's customer.

We make it a practice to maintain a constant flow of information to each store to ensure there are no misunderstandings or confusion. In the instant case it's substantiated by the statement of events of the merchant. They were given the contract we received on the first day and were given the notices pertaining to the sale they ran. As to why a complaint is being lodged now with the Revdex.com when it's supposed to be done after other remedies with us have been exhausted is at minimum a misguided abuse of discretion.

By the merchant's writing, the complaint should be directed to the sales person's organization, not us. Each sales agent is an independent business owner or working for a business separate from us. If the sales person wasn't truthful, our safeguards are designed to disclose that. They worked as evidenced by the call on Nov 5. The one sale that ended up going bad was also signaled by us as questionable when it was entered by the store. This too could have been averted had the store heeded our warning. If the store refuses to acknowledge caution when it's presented, it can hardly be labeled our fault if the result isn't to their satisfaction long after. The complaint belongs squarely with the sales person's organization and with the customer who defaulted.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

May 19, 2013

Dear [redacted],

It is irrelevant in any fraud situation as to when you

received the contract because the contract in itself is null and void. The

contract that was downloaded from your website that supposedly we had signed

is: 1. has a different date then the one we have; 2. Isn’t my signature; 3. has

a different letter head then the one I signed; and 4. has different terms than

the one I signed.

Again, stop all withdrawals from my account and please

refund all the fees you fraudulently withdrew immediately. And cancel whatever fraudulent contract you may have.

Review: Global Check system being taking payments out my account and claim they never get them. Then they turn around and charge you a return fee of 25.00 when the payment had already cleared. This company is a scam and I hope and pray you think twice before using this company. Its this one guy that always answer the phone with an attitude. He inform me that they needed proof that the money came out the account. I fax my bank statement showing the before balance and after balance when they took it out. They still wont credit my account. I was told by the guy they would have to trace the payment but the payment cleared over four months ago and the last one over three weeks ago. Please read the reviews before purchasing anything from these guys. Then had the nerve to threaten me with the cops showing up at my door, so im filing a complaint and with the courts for threats. I will not pay this company another penny until my account is right. Im being over charged and they're aware of it. THESE PEOPLE ARE SCAMS AND SHOULD BE BANNED FROM OPERATING IN THE UNITED STATES.Desired Settlement: GET MY ACCOUNT RIGHT AND CREDIT MY ACCOUNT FOR THE PAYMENTS THAT I SENT IN PROOF OF OR DON'T GET PAID AT ALL SIMPLE. iM GIVING THEM 24 HOURS TO GET THE ACCOUNT RIGHT.

Business

Response:

Mr. [redacted] made a purchase at Affordable Excitement and used ourservice to finance it. In the agreement he was to make a series ofbiweekly payments over the course of a year to pay for it. The total ofwhich amounts to the cash price plus about 17%. Thus far he has defaulted on 7 of the biweekly payments to date. Theywere returned NSF. Those payments were represented and according to ouragreement with the store we have to add in a return fee when thecustomer bounces a payment. The same as if a person bounces a check.There was no additional interest or other fees added. Looking at the notes on the account there might be confusion over twopayments that he bounced. One for 39.42 and another for 39.02. Bothwere returned NSF and both were represented. These were not one in thesame payment. They were two separate items from April 3 and the otherApril 17.The seven payments have been recovered. The balance of the paymentschedule is 166.89 for the remaining 5 payments or 140.34 if paid priorto the next scheduled debit date on Oct 2. If he wises to pay thebalance early and save some money he can call us to do so or just letthe final 5 payments be made. As to the allegation of cops showing up at his door, it wasn'tsomething said here. Perhaps he is confusing us with his call to thestore where he made the purchase at since he defaulted on his promisedpayments to them.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

This company is still refusing to admit they got our payments even after I fax them my personal bank statement showing where the money was deducted from the account. I contacted them again on last night and was told they still had to investigate where the funds went and would call me back on today. Please be advised this was the exact same information I was told last week. Please Please whatever you do, DO NOT DO BUSINESS WITH THIS COMPANY. I dare this company to deny they threatening me that the police show show up at my door. Thank God for recording device. My account still haven't been credit for the payments that they claim they didn't received yet but did. I WANT THIS COMPANY TO CREDIT MY ACCOUNT FOR THE PAYMENT THAT I SENT IN PROOF FOR. This company really need to get banned from financing customer in Georgia. I wish that I would've read the review before I made the purchase. Everybody ain't lying about this company. Just read the reviews before you decided to use this company to finance anything for you. If this don't get resolved on the company level, I plan on taking it farther. Thanks

Review: I contracted with Global Check through Citi-Vue Financial a representative of Global Check approximately 12-19-12. I have never processed a check through global check or it's agents. My clients just never needed the financial services that I anticipated. The terms of the financing I found out were to restricted for my client base for example my clients wanted more time to pay back the loans than Global Checks allows and most of the time needed more money than Global Checks could finance. I asked Citi -Vue if the amount would increase and the time would also increase the answer was they were planning but not at the time. I was not using Global so honestly I forgot all about them. In February 2014 I noticed my checking account was missing one hundred fifty dollars. I contacted the bank and they told me the name of the company.

I contacted global checks by phone and letter requesting my money back. Global has an evaluation process in which they closed the account but refused to refund my money because they said I didn't contact them before the end of the renewal period. I did not use there service at all during 2013 if would have used the service than I think it would be reasonable to assume I wanted the service but I did not.Desired Settlement: I would like my money back.

Business

Response:

To [redacted]

[redacted]

[redacted]

[redacted]

[redacted]

In reference to the complaint filed, the Revdex.com does not have the authority nor ability to compel your request. It is a private business similar to your own in that regard. To remedy this, remove the complaint and contact us directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[I am not satisfied with Global's response because I have called Global and faxed a request to return my fee and there response was not positive.]

Regards,

Business

Response:

Precisely what do you expect the Revdex.com to do and what is the purpose of filing this complaint? Do expect them to help you breach your contract or is there some other purpose. Please provide a detailed response.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

As I stated in my last correspondence. I have never used the services of Global Check. The company did not meet the requirements of my business. I am not paying for services that I did not use and don't need. I will take this to the federal level and it will remain as an unresolved case on there records with the Revdex.com. I will also file a complaint with the city of El Cajon or where ever their business license is held.

Regards,

Business

Response:

I had one question. What did you expect the Revdex.com to do. It wasn't answered. Additionally, it was asked that you contact us directly after the initial complaint was made which you did not.

At GCS all we ask is that people honour their agreements. During the time you had the service it was available for use. You had an entire year to close your account and did not. How we are at fault has yet to be explained.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

There was no effort to contact my office in reference to any upcoming renewal date. Global checks policy is to say nothing and put the burden on the client to remember the renewal date is forth coming. They are not going to hind behind there policy of automating renewal to keep my money. Revdex.com may not be able to force Global check to refund my money but I not going to close this complaint.

Regards,