iPayment, Inc.

Hello, 
We have review your response and will, as a courtesy, refund 3 months of the fees totaling $114.69. A contract was signed therefore the fees are valid to maintain the account open. Our records show you call in November for the first time regarding the merchant account and the fees charged. We have fulfilled our obligation to refund you the Early Termination Fee of $250 on 11/24/2015 as stated on the contract/application.

Complaint: 10125013
I am rejecting this response because: This company KNOWS I repeatedly called them concerning cancelling this account,, and they can show no use since..ie this is a credit card processing 2013, no money received because it was cancelled, only repeated withdrawls from my account. . They are liars and gave me excuses, threats to charge me more each time I called. Always refered to man named Anthony, who told me something different every time! merchants should beware!, they will also change their to name and hack your checking account deleting money and my bank is having to strictly watch this company for more withdrawls!
Regards,
[redacted]

Complaint: 10275133
I am rejecting this response because:
Regards[redacted]
Hello,what the Merchant Link answer Revdex.com is completely lied.I
call them a lot of times (20  times or more) ,asking them to refund all
the fee before they took : $59.90 check ; $109.90 and $10.00 fee , on
07/26/2014.  All they promise is : submit a request , no time frame  to
put back my money to my account.After that , on 10/10/2014 , they
automatic withdraw from my bank : $159.90 , saying for yearly fee. even
though they did know the account already cancelled on 08/05/14 ( couple
days we open the account with them)Now they said : they may not give back $159.90 , That is even a big liar ,Because we have all the paper work (attach on file). The whole thing shows that : Merchant Link is a "[redacted]" , no responsible for everything they did , and keep lying to Revdex.com also.Thanks

Hello, we understand your concern with finding another processor. We have contacted the Issuing Bank from the fraudulent cards and advised us to not reverse the transactions; moreover, if iPayment would have reversed the transactions, your business most likely would have taken a hit. At this...

point in time, due to the response from the Issuing Bank of the cardholder being victimized, iPayment, the merchant service provider, must refrain from reversing the fraudulent transactions.

Having worked with numerous merchant service providers over the last several decades, I can confidently say this is the most inept and disorganized company I've ever dealt with. We've had an account for over 3 years and processed tens of thousands in transactions, only to be halted when processing a government charge card, with no explanation for over a week. We received a call promptly letting us know of the hold on the transaction, and a request to submit further information. After submitting the information, there was no confirmation, or follow up email of any kind, not even a returned phone call from 4 messages, left to different departments. [redacted] and [redacted], not only dropped the ball, they were among the least professional people I've ever dealt with. I hope they can find a job elsewhere, because they don't belong in the customer service industry where two way communication is the norm, not a luxury. We will only be too pleased never to do business with this organization ever again. We'll be taking our large transactions to other processors who communicate efficiently. Our recommendation is take your business elsewhere, unless you're ready to "fax" 1980's forms to accept payment in the 21st century.

We have reviewed the customer's account. We are showing the account was set, per the agreement, to have a $5.95 monthly charge. We are showing the fees on the account are slightly higher due to the merchant not being PCI compliant and recieving a penalty fee of $35.00. This fee can be removed as...

soon as the customer completes the PCI Self Assessment Questionaire. Once that is complete the customer's fees will be less $35.00. There is also a service fee of $14.95 for our online service called iAccess. This is an optional service and if you would like that removed please call into our office and we can remove that for you. If you choose not to keep that service and if you complete the PCI questionaire that is advised on your merchant statements, your bill will go back to $5.95 a month if there is no processing.

Complaint: 10851783
I am rejecting this response because:Upon research, it appears that we have no agreements with iPayment, Inc.  iPayment, Inc somehow obtained our company credit card number and began charging our credit card from 2011-2012 a small amount of $150/month so it was under the radar in our finance department.  After reporting this to our credit card company, we sent an email to iPayment inquiring about why they were charging our credit card.  Unidatum Integrated Products had never worked with iPayment, Inc and has never signed any merchant agreement with this company.  The only merchant account that Unidatum Integrated Products has had was with Innovative Merchant Solutions LLC for a merchant account and it is documented as an account that was opened on February 23, 2005.  Unidatum Integrated Products closed the Innovative Merchant Solutions account over the phone with IMS on June 3, 2011.  Unidatum opened a new merchant account with Flagship Merchant Services and Authorize.net on the same day.  Innovative Merchant Solutions had been charging over $150/month for any month that had no credit card transactions and was overpriced.  We went with Flagship because they charged only $25/month for no card transaction months and had a low transaction rate.  Innovative Merchant Solutions spoke to A[redacted] over the phone and closed the account.  The $150/month charges from innovative merchant solutions stopped happening after that call.  Somehow, iPayment obtained our credit card number several months later and began charging our card again.  Unidatum and iPayment has no legal agreement to do business.  iPayment has delivered no services to Unidatum at ANY point in time.  So there is no account that needed to be closed.  We have no records of an account or account number with your company.  iPayment cannot claim to be piggybacking our closed account at Innovative Merchant Solutions LLC for it was closed.
Unidatum Integrated Products LLC and A[redacted] reserves the right to sue iPayment, Inc for fraudulent credit card charges and credit card theft.  Upon research on our end, we now realize the true gravity of this issue is not an unclosed account miscommunication but unauthorized usage of our credit card.  We request that iPayment provide all documentation in their possession regarding any accounts with Unidatum Integrated Products and A[redacted].  We request proof of signatures and agreements made between your company and ours.  We reserve the right to seek recompensation for amounts charged against our credit card in the future should your company continue not to cooperate on this matter.
Below is an email chain in 2012 after research that helped us realize that we have no account with you. 
Regards,
A[redacted]
RE: Closed account somehow still alive bp
Merchants Help <[email protected]>
Wed, Jul 11, 2012 at 11:40 PM
To: A[redacted] <[redacted]@unidatum.com>
Dear Valued Merchant,
 
As your Merchant Service Provider, we appreciate your business and want to thank you for your continued patronage. As one of the fastest growing Merchant Processor in the USA, we recognize and appreciate our obligation to provide your business the ultimate in customer satisfaction.
 
We  received your inquiry to close the account and would like you to know that we truly enjoy working with you and feel honored to be your chosen Merchant Processor.
 
We would like to take this opportunity to discuss your merchant account to see if anything can be done on our end to meet your needs.
 
Please contact our Customer Care department directly via phone at ###-###-#### option 1 extension 5556 to speak with a Customer Care representative to discuss your merchant account and if necessary, provide you with closing procedures.
 
Sincerely,
Merchant Services
 
 
 
From: A[redacted] [mailto:[redacted]@unidatum.com] Sent: Wednesday, July 11, 2012 6:56 PMTo: Merchants HelpSubject: Closed account somehow still alive
 
We keep getting letters saying we're being charged by iPayment, Inc.  We had closed a quickbooks merchant account many years ago in writing.  Did it come back to life or something?  Can you please clarify which company ipayment or merchant-info.com is affiliated with (eg, intuit quickbooks)?
 
It says our merchant number is 4223 [redacted]472.  Unidatum Integrated Products LLC, [redacted] Jeff Davis Ave, [redacted]
 
 
Thanks,
A[redacted]

Complaint: 10508276
I am rejecting this response because:
 
Merchant Account Solutions-they owe me my money back. I bought a credit card swiper next thing you know someone from merchant solutions calls me to go over the process to download everything on my cell phone I asked Aaron Goodman the sales rep if there where any charges and he said no the only charge you will get is when you use the credit card swiper with your business. I have then been charges numerous charges tot-allying $1,000.00 or more. I have never used the card swiper at all no transactions have ever been made. I have been so stressed over this you call and no one can tell you what the next step is to do after you terminated your account with. As of April 2015, I still getting charges for not returning the card swiper and for $79.00 and $379.00 for breaking there contract. I want everyone business owner to know this I dont want want happen to me to anyone else. I'm self employed and I work to hard for someone to come in and take control of my life long hard working money. Look forwarding to hearing from you.
Merchant Account Services is taking money out of my business account for transaction not completed.they are fraud .I never signed anything with them, they never told me about the charges. I need this resolved its going on too long.
 would like to have my money back totally $1,000.00
Regards,
C[redacted]

Hello,First an foremost, I would like to apologize for any communication issues you had previously.  To explain, the 142.50 was held due to violations with regard to acting as a Third Party Seller.  It was determined the shoes were being purchased by a William [redacted], then ordered...

through Nike, shipped to Mr. [redacted], then shipped to the customer.  This was considered a violation and a risk by our risk department and the account was closed.  Based on the volume transacted, the fees by the end of the account totalled $252.98, more than the $142.50 on hold, which was allocated for that payment, the remaining fees you owed are being waived.I hope this helps answer your questions.  Please be aware that it is important to process within the appropriate guidelines.Sincerely,[redacted]

We have reviewed the customer's complaint. We are showing the account is no longer on hold and the customer is in process of requesting a limit increase to avoid any issues with limit amounts in the future.

Hello, 
Swift Capital Opportunities LLC is the agent office that signed your business up with credit card processing. Our agreement with Swift Capital does not allow us to issue refunds or cancel any accounts on their behalf. iPayment Inc only offers the systems to obtain the...

credit card authorizations & deposit the funds into the business account. You will need to call ###-###-#### option 2 to discuss your merchant account and the fees you are inquiring about. We will continue to reach out to Swift Capital to have them get in contact with you and try to resolve any issues. We apologize for any inconvenience and will work with Swift Capital to get your issues resolved.

Revdex.com:
I have...

reviewed the response made by the business in reference to complaint ID 11484624, and find that this resolution is satisfactory to me. I just want to say thank you to Christine W for being an absolute gem and finally resolving the issue. 
Regards,
[redacted]

Roland in Tech support is great at his job. I own Diamond Decola landscape and Sealcoating and this guy saved me a ton of time and headache. I was having a bad day dealing with a customer who didn't recognize the charge and disputed it. It was my first batch which could mean termination but he talked to risk management for me and got it taken care of. If you need to talk to someone who is not lazt ask for Roland in Tech support. James.

Complaint: 11558268
I...

am rejecting this response because: not only are the fees unsubstantiated, I-payment generated more fees in the amount of $213.72 on July 7, 2016 after closing the account and settling all fees in June.  The company lied about the amount of fees due and is tying to take even more money.  Luckily my bank account was closed down to prevent further theft, my next step will be to pursue criminal charges.
Regards,
T[redacted]

Hello,Thank you for your patience with this matter.  We have issued a check totalling $597.07 which is being sent via FEDEX to your address.Good luck with your future endeavors.

[
Complaint: 11310267
I am rejecting this response because:Had we known that using your service for Third Party was not prohibited, we would not have opened the account.
Furthermore, I explained very clearly to the sales rep (P[redacted] from Flagship Merchants) that we wanted to open an account for this specific reason, to which he stated there were no issues.
Additionally, the only "contract" we received is the attached file. Can you please point out where section 21.1.13 is in this document? 
Please consider releasing at least a portion of the "Reserve Fees".
Regards,
M[redacted]

Hello,The independent sales representative’s call center contacted Mr. Shaffner, the owner of 3 Palms Zoo, to set an appointment and was offered the opportunity to earn $100 if the independent sales representative office could not beat the merchant’scurrent processing cost. To qualify, the merchant must be processing with a processor, must bring a processing statement, and must average over $2,000 in monthly Visa/MC/Discover transaction volume. This merchant did not meet the criteria. The independent sales representative has stated that they reached out to this merchant and explained on a call with the merchant and their call center manager that the merchant did not meet the criteria [because they are seasonal and don't average over $2,000 in monthly volume]. Mr. [redacted] (head of the independent sales representative office) also reached out to the merchant to explain the same, but the merchant was remained insistent, notwithstanding the explained criteria. Mr. [redacted] has also advised us that during his call with the merchant, he apologized for the inconvenience, and offered to remove the business name from their lead lists, and was hung up on.We have ensured that the independent sales office be certain terms of any offers (and how to qualify) are clearly understood. Lastly, even though we believe this is a missunderstanding of terms with the independent sales office, iPayment Inc. would like to pay the merchant the $100.00.  We will mail a check to the address provided in this case once confirmed this case will be resolved.

Hello,
We...

have reviewed your account and the $39.99 fee is a valid fee that was
communicated to you via your September statement. As a courtesy I will refund
the $39.99 fee for November. A signed closure form has yet to be received
from you but you can fax that form to###-###-#### for immediate processing.

We show this customer’s account was opened 8/14/12 and closed as of 7/25/14. The customer did process transactions through the merchant account, and did indeed call in on 10/31/13 to reactivate the account after we had closed it due to non-payment. After the collection was cleared we re-opened...

the account and refunded the $250.00 Early Termination Fee. We were able to collect fees until the last billing in July when the account was closed again. The customer is now responsible for paying the Early Termination Fee if the account is to remain closed. We are unfortunately unable to put any refunds through on the account due to no previous requests to close being sent in. If the
customer has a written closure request we are asking they sent in a fax or email confirmation for review.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11444269, and find that this resolution is satisfactory to...

me.
Regards,
K[redacted]