iPayment, Inc.

Review: bought a credit card swiper for my business incase a client didn't have the cash to pay for the service. Once I downloaded the application I had a phone call regarding the application and they proceeded to say if you need help with your application and how to use the swiper I can help. So I did they helped me through the process. So months went buy and I received my business account information in the mail and I notice that I was being billed everyone month from the time I started the swiper till now55.95 and 14.95 a month. The rep that called me never said I would be charged every month, I only would be charged a fee if I used my credit card swiper.. Plus they said I signed a contract and I never did that never saw any documents. I called my bank to disbute the charges and I always called Merchant Solutions to cancel the account and they said there would be a charge of $595.00 to cancel if not I will be still be billed every month for my charges until my contract date is up. I want everyone to know about this its a scam............Desired Settlement: I would like all my money refunded to me......

Business

Response:

Hello,Upon review of the merchant agreement, it does list the monthly fees currently being charged. Their is a Schedule of Fees section listing your rates/fees. Everything currently being assessed was agreed to upon your submission of the application to do business with our services. Unfortunately we do have a cost for our services we render, we are unable all charges as you requested. We provide a service to which has an opperating cost to cover which is why we have monthly fees to charge. You do not have a cancellation fee however. We will have your account closed.Please let us know if you have any questions.

Consumer

Response:

Review: 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]

Business

Response:

Hello,Your account was closed on 03/11/2015. If you are still being charged from the independent sales office (Merchant Account Solutions) for not returning equipment (as you mentioned you have not returned equipment). Then you should contact the independent sales office to return any equipment you are being charged for. As you mentioned you have not, this would explain why any charges from the independent sales office continue. Recent notations as of 6/12/2015 show you have contact our customer service and been referred to the independent sales office to resolve the equipment return issue.Thank you.

Consumer

Response:

Review: 10508276

I am rejecting this response because:Returned equipment on 6/18/2015 should arrive in 4 business days.

Regards,

C[redacted]

Review: ipayment is being over charge for all services.we close account in june 2016 they have not refund full pci fees was charge for $120 only partial fees was refunded to account of $60.Desired Settlement: need full refund.

Business

Response:

Hello, We believe the complainant is referring to the merchant account for Allentown Pharmacy, Inc. which was closed 6/9/2015. The merchant processed credit card sales up to 6/8/2015 and put a stop payment on June month end fees. Currently, iPayment Inc. is owed for the processing volume from June. As the account has a balance owed, no refund request may be granted. All services have been rendered and must be paid for per the agreement with the merchant. We are unable to provide credit card processing for free, as the client placed a stop payment on our charges.The client did receive a partial refund as a courtesy. This was done to attempt retention on the account. As the client has now closed and placed a stop payment on fees owed for services rendered. We will be unable to extend any further courtesy refunds.Thank you.

Business

Response:

Hello,To clarify, your account was not closed in 2016, as clarified in our last response. When you process with our services, you authorize us to debit your checking account any fees that are owed for said services used (refer to program guide). When you close your account, that does not waive or alter the agreement you have made to pay for said services to our company. You agreed to authorize our company to ACH your business checking account for fees owed for services rendered. To respond to your claim that "..they should send me a statement to collect balance.." this is only done after you fail to pay via the automated recurring charge issued monthly. We are not obligated to cease the agreed to collection method because you closed your account in the middle of a billing cycle. If you would, please confirm and clarify in your merchant agreement and program guide where it states we must send you a "final statement" for balances owed if you were to close your account. You have been credited for part of the PCI Compliance fee, to cover your claim you should pay for only part of the year. This has been completed already. We are unable to refund further fees to you, and we will need to collect the fees owed for the credit card sales you processed and have not paid for.Thank you

Consumer

Response:

Review: 10712506

I am rejecting this response because:

Horrible customer service, never ever use this company. Worst ever. Waits several days into credit card batch closing and instead of releasing funds into my business bank acct this lousy no good risk management company which is part of the lousy no good bank called Wells Fargo, doesn't deposit the money they put it on hold while they call the customer which takes them days to do and I don't get any money for 7 days [redacted]. Also never use the main company who hired these [redacted]to do their security reviews which is National Bank Card Services.

Review: The business address for Card Payment Direct from their billing statement is PO Box 3429 Thousand Oaks, CA. Their web site says they are an ISO of Wells Fargo Bank NA, Walnut Creek CA. I also have some material from the same company listing them at [redacted] Blvd #105, Scottsdale AZ. This company was my credit card processing provider since December of 2014. It was not until September of 2015 that I noticed that "misc - **additional fees" were being charged each month. Upon examination I realized that the asterisk lead to an explanation of: "**For detailed information regarding Additional Fees, please contact Merchant Services..."Clearly this is a case of hiding charges in the statement. Upon calling Merchant Services I was informed that the "misc additional fees" were for an "enhanced yearly security package" that had been split up into monthly fees; not all of them the same amount. The total of the "misc additional fees" that was taken from my bank account comes to $174. I was never once notified that these fees would be charged or in any way gave my permission to be charged for an "enhanced security package" I'd never head of. The fact that these fees were in effect hidden by labeling them in such a way as to not draw attention and even going so far as to require an extended phone call to determine what they were for, leads me to believe this was an intentionally deceiving practice. My bank informs me that in my state (MN) it is illegal for a business to charge for services without a clear advance warning (which I never received)or to even use "small print" to do so. I believe that Card Payment Direct has clearly violated this law and should refund the total withdrawn from my account as well as reimburse me for the time spent pursuing this.When calling to complain of this treatment and demand a refund (on September 10, 2015), I was told that all refunds would be done at the end of the month - no refund was forthcoming.Desired Settlement: Since I have already invested several hours of time in getting this resolved I would like a full refund of the original a amount taken from my checking account ($174), plus reasonable compensation for my time at my shop rate of $95 per hour, which would be $190 for two hours (which is generous on my part since considerably more time than that was spent)for a total of $364.

Business

Response:

Hello, we understand the matter involved with the fees and the credit card processing. Unfortunately the fees are stated on the third page on the application under "Schedule of Fees," including the PCI Annual Fee. The fee was withdrawn $50.00 in May, $33.00 in June, $33.00 in July, and $33.00 in August totaling only $149.00 which is a valid fee. Unfortunately no refund can be submitted as this was in the merchant application nor compensation for the time since the merchant service provider did not withdraw the $190.00.

Consumer

Response:

Review: 10884762

I am rejecting this response because: At no time was I presented with any information regarding the fact that I would be charged an additional $149 fee. I just re-read page 3 of my application in full and still find nothing of the kind. What's more, those fees were obviously hidden in the statements under the name "Miscellaneous Additional Fees." If the (supposed) request for the PCI compliance verification had not been so well hidden, I could have provided it, since I still have it on file. The $174 figure results from adding the "Miscellaneous Additional Fees" from all of my statements. I suppose it is possible that Card Payment Direct hid yet another additional fee in the statements that pertains to something else. Was it reasonable to expect one to spend more extended time on the phone to uncover the purpose of that fee also? The $190 requested is partial compensation for the time that was in effect stolen from me in trying to combat what gives the appearance of a dishonest business practice. My complaint and request for refund and compensation stand.

Regards,

Business

Response:

Hello, we understand the concern for your business. On page 3 of the application it says "a PCI Annual Compliance Fee will be assessed to each Merchant Account annually, which amount will be determined by compliance and security requirements at the time of the fee assessment." Because of the facts on the application, these fees are valid per the agreement.

Consumer

Response:

Review: 10884762

I am rejecting this response because: It would appear that the defense offered by the business boils down to: if they are able to hide the fact that they will be taking additional funds from their customers in the small print, never disclose what the amount of these charges will be in advance, and then successfully disguise the charges in the monthly statements, then it is valid for them to take that money from a chump like me. If the undisclosed amount of this "fee assessment" had been $1740 rather than $174, would that still be valid? How about $17400? My fault for not hiring a lawyer to read the application before signing? While it may be that they are technically within their rights in taking this money from me that still leaves them as still owning the titles of dishonest and unethical.

Regards,

Lee Wickstrom

Review: I signed up for a merchant account with Flagship Merchant Services for a credit card processing service. I was approved for $10,000 a month. My first transaction was for 1350.00 which was authorized and approved. I was told the money would be deposited in my account within two business days, of course in two business days the money was not there. I then received a message from Aimee O[redacted] of risk management "stating that I needed to submit an invoice" so I faxed Ms. O[redacted] the invoice. She then calls me back and says that "she will not be able to release the funds because my invoice included travel expenses. I explain to her that I have to travel for training but she said I was only approved for education. No where in the agreement was this ever stated. I asked her to fax me this policy in writing she stated she could not do that. She then informed me that I would have to refund the customers money. iPayment has no legal or contractual basis to hold my funds. iPayment has received the funds to be paid to my Company. this is criminal conduct involving wire fraud. This experience with iPayment has been a nightmare how can a Corporation legally conduct business in this manner.Desired Settlement: I want my funds deposited into my checking account as the contract stated and I want proof of the reason in writing from iPayment Inc. stating that this is a legal policy and is not out of compliance with California Banking Laws.

Business

Response:

Hello. We understand the gravity of the situation regarding the funds on hold. The merchant account was orginally set up under the Standard Industry Code as Personal and Career Training. By runnning the $1,350 transaction as a travel expense, iPayment can not process the the transaction due to liability issues. We have offered the merchant to process the refund with no expense to iPayment and also offered the merchant we would process the refund with the merchant's signed consent. At this point in time we can not deposit the funds into the business checkings account.

Review: Ipayment has been taking out anywhere from 49.90 to 178.95 from my bank account since 03/05/12 to the present time every single month.despite selling my grocery store.on 02/21/12 when I sold my business I call Ipyment to notified them of the sale and told them the new owner wanted to do business with them.so when I was on the phone they exchange information to do business.because I owned the credit card machine it wasn't a lease from no one. at that time I spoke to rep by the name of kyle told me to send a form to cancel my account which I did.to my surprise on 06/04/15 they took out 178.95 that made my account overdraft so I went to my bank to find out how did I overdraft because I didn't remember making any transaction for that amount.after talking to the personal banker she notified me that the same people been taking money out of my account for years.I didn't took notice because the way ipayment got it set up on the bank statements it reads bankcard and the amount it doesn't say processing or merchant of any kind. it is set up to deceive and misled people on the way they steal our money from our accounts like they have to me for 3 and a half years they got me good.I still trying to figure the exact amount but is between $2500 and $3000 for what for nothing.it was my machine I wasn't processing nothing. they couldn't even send me a monthly statement from them every month to let me know what they were doing to me. but they were sure taking it out my bank account for years every month.so what i'm thinking they were charging me and the new owner at the same time for the same terminal machine at the same time. something here is not right I just hope Revdex.com is able to help me recoup the thousands ipayment stole from me because that's what it is theft.they took money for a service I wasn't getting someone has to put a stop to this unfair practice.Desired Settlement: my resolution is I want the thousands they took from me.if for some reason they refuse to make this right I'm going to hire an attorney from California were they at. and file a lawsuit against ipayment and we would let the judge decide who is right and who was not.im not going to give up.if I have to im going to talk to an investigative reporter so don't be surprise if this ends up on tv.this is the stuff they are dying to get there hands on. this company needs to get expose to the public.

Business

Response:

Hello,We are sorry to hear of this issue. Upon review of the notations on your account, you had stated on the phone you were unsure of whether you sent a written closure request or not. You stated to our customer service representative that you "probably" sent one in. I understand you verbally advised us to close your account and you have confirmed on the phone and in this complaint that you are aware we require a written request. During your phone conversation on 6/6/15 after being advised to send in a written request you hung up the phone and have yet to send in a written request. Please fax a request to ###-###-#### to close your account.In some cases where we fail to close an account we are in grounds to issue a refund. As we explained to you the procedure and you did not follow through with us, we are unable to refund you the fees applicable per your agreement for services. Our agreements state you will have monthly and/or annual recurring fees charged whether you process a credit card or not. Until you complete our procedures to close, your account remains open.Please be certain you verify we receive your request as well. Being that you cannot be certain if a fax or email makes it's way to the recipient without calling and confirming.Thank you.

Consumer

Response:

Review: 10675896

I am rejecting this response because: it's obvious Ipayment don't want to return the money in the amount of 2,800 they took out my bank account for the past 3 1/2 years. the way they took it out without me finding out for so long is clever on there part. you think if I was told to close the account a certain way and if not done that way that I would be charge 60.00 a month I wouldn't do it .I remember clearly sending the form to close the account .what I don't recall is the agent kyle hicks informing me of the 60.00 per month fee if not close. if they are going to take out 60.00 per month you don't think I deserve a least a monthly statement from them. not my bank so I can be aware of there actions. I guess it didn't cover the paper it was to be printed on or postage. I got several documents emails and packages receive from them they say I never close my account I said yes .we can go back and forth on this and not get nothing resolve .im in talks with a lawyer I will get my day in court. I have always wanted to go to California. thanks Revdex.com for allowing me to file this complaint against this company. you should google the many complaints ipayment have receive over the years from hundreds of former clients .I don't see how ipayment can have a Revdex.com accredited rating of an A+ when there is so many complaints.

Business

Response:

Hello,Contained within our last response, we requested you send a written request. Upon review of your latest response, we believe you have not yet sent this request in? I will have this account closed to appease this complaint, granted it appears sending in a request is being refused on your part. I understand you state you previously sent one in, but I requested another be sent which has not been done.Regarding the claim we do not mail statements. We mail statements to the address you provide us. If you do not receive statements, or change your address, we are unaware of this and are not required to reach out to you to confirm your address is still good. You are required to notify any service and/or mailers that you have an address change to ensure mail is routed to the proper location.Thank you.

Review: This company has been fraudulently pulling money out of my business account. I have called them on several occasions and was told they would refund the amounts. Never have I received a credit. I don't even know of signing anything with them. some how they started pulling funds out of my account.I have also went online and found hundreds of complaints on several issues with this company. The majority of them is this very issue.Desired Settlement: I would like them to refund all of my money they have been fraudulently pulling out of my account.I want nothing to do with this unknown company.

Business

Response:

Hello,Please provide more details about your concerns. What is the accurate account number on the statements mailed to you? When did this fraudulent account open? What is the name of your business? How much money has been taken out? I did find a business at your address you supplied which has current/active credit card processing. Please be certain you are not currently using our companies services upon further review of your filed complaint.With more information I can assist you further.

Consumer

Response:

I am rejecting this response because: My account has fulfilled the contract and when I switched to another credit card company, this company (I-payment) continued to take out money from my account annually . they charged me 159.00 twice and also 495.00 on January 2nd 2015. The account number with this service is 4[redacted]24046. it is funny that they are saying this account is still active because "[redacted]" the person I spoke to on January 9th 2015 at 1:30 said the account have been closed and she would credit this 159.00. As this was brought to my attention, I started looking back and found another 159.00 along with a 495.00 cancel fee. This is after my contract was more than fulfilled to the full term of three years. I-payment owes me 813.00 total. This is what they have been taking out of my account with out my permission. they were hired by merchant lynx services, which is my old credit card carrier. Indy

Regards,

Business

Response:

Hello,The merchant account number you provided was closed 1/2/2014. You spoke with our customer service 1/12/2015 and they agreed on a refund and this was issued for $159.00. There are no fees being withdrawn on this merchant account number further.Thank you.

Consumer

Response:

I am rejecting this response because: there is still a 495.00 fee which should have not been charged and fraudulently taken out of my account. Since the contract with merchant lynx services was fulfilled in full.

Regards,

Review: Illegally and Unauthorized extraction of funds from my business account for the past four months. Charged for services not rendered and times never purchased or received. Thiscompany operates like fraud based business. Their customer service never answers to resolveissues. Always send you to the Press 1,2,3 or four to circle of nowhere. Does not matter whenyou call or how long you wait. I have waited up to five hours. No resultsDesired Settlement: Demand a full refund and prosecute these criminals to full extent of the law. Because they arecommon criminals.

Business

Response:

Hello, we understand the concern for your business.On or about 6/29/15, the merchant account, F[redacted] Video, was set up to process credit cards. iPayment allows businesses to use credit card services and deposits funds into Merchant Accounts. On page 3 of the Merchant Agreement, a Schedule of Fees is given to the merchant so the merchant knows the actual rates and fees. Unfortunately these month end fees are used to keep the Merchant Account open and active and the fees can not be reversed. Please call ###-###-#### between 6am PST and 6pm PST to cancel the account.

Review: I recently switched to Flagship for credit card processing. I then found out that it is actually ipayment. We have been in business over 25 years. My former processor was Elavon, and I was dissatisfied with charges, and ease of reaching by phone. I contacted Flagship (ipayment, and gave history, type of typical charges, etc. AFTER account was setup, I found out that charges are not as explained, customer service is difficult to reach, and I am not approved. I gave all info to sales, but apparently in order to open account, details were not passed along to whatever department handles. Now I have wasted time, given confidential info, and will not be able to use due to a low limit for a new business to Ipayment.A total waste of time, and we are NOT a new business, and have been using and processing for 15 years prox with Elavon.When I was finally able to reach someone from customer service, the response was talk to the rep!! I am now without a card processor.Deceptive practices from a large company!!!!!Desired Settlement: Allow my business to process credit card charges, at rate quoted, and for type of charges that we have been doing for 15 years!!!

Business

Response:

Hello, we understand the concern for the merchant account. The processing limits are on the original merchant agreement and application set up by the Independent Sales Organization, Flagship. By agreeing to the limits, iPayment must abide by the processing limits do fund the necessary account for liability issues. The rate quoted is also on the application; moreover, our records indicated the merchant account requested closure on 10/12/15 on an escalated call.

Business

Response:

Hello, we understand the concern for the processing limits regarding the business. Our application states the highest amount the merchant can process in a single transaction, also known as the High Ticket, was initially set $6,000. The amount is based on financial documents of each credit card merchant account. Our records indicates iPayment is currently allowing the merchant to process credit cards as long as the merchant adheres to the processing limits. The main reason a merchant service provider sets limits is to avoid liabliity for future disputes. iPayment can reassess the limits in 6 months review the account again.

Consumer

Response:

Review: 10851860

I am rejecting this response because: It is not accurate. They can claim whatever they want. I DID NOT agree to a limit approximately 50% of what my historical charges have been for over 10 years. Additionally, they sent me a letter rejecting my account AFTER they accepted, and processed amounts over the limit.They can claim whatever they want. Their records are inaccurate, and they are well aware of their deceptive practices.Risk management at this company told me that the salesperson submitted what it took to open the account! However, what sales told me (as Flagship not iPayment) was a different story. Why would I open an account, drop my previous processor of over 10 years to sign up with a service that would not meet my needs?Deceptive practices no matter what they claim. It was never disclosed that I was not even doing business with Flagship, and that was just a name to solicit sales!

Regards,

S[redacted]

Review: Sales manager R[redacted], phone # ###-###-#### came to my gas station and he gave me some good rates, and he told me the machine was free and no fee will be charged for the machine. When I received the bill the rates were way higher. I called Mr. J[redacted] and to solve the problem with him. He said it will be corrected and the amount credited to the account. I have called him numerous times and every time he said he will fix the rates but has never corrected them. After that I have canceled the contract by sending the merchant request to close the processing account on April 15th 2015. Mr. J[redacted] said he received the cancelation and said he will close the account. He also said he would send me a box to send the machine back. He has charged me two time since that date.Desired Settlement: Refund for the bills received,the extra fees that was not part of the contract, and also the difference in the rates.

Business

Response:

Hello,We are sorry to hear of the issues you experienced with our services. I have attached a copy of the merchant agreement which contains information about the fees agreed to be paid. To confirm, the equipment was sent on loan with no charge. If, after closing your account, equipment is not returned you are charged for the cost of the equipment. Regarding your request for a refund of difference in fees and fees not on contract. Would you specify what fees you are referring to that were charged and not apart of your agreement? All fees charged are authorized based on your signature on the agreement which lists your schedule of fees and any addition applicable fees.Attached is your agreement for services. We are unable to refund fees which were authorized by your signature for our services.

Review: On9/11/13 I closed one part of my account then on7/24/14 I closed the rest of my account with them. Then on 12/31/14 they took $129.00 out of my bank account. they did not send a bill or anything telling me I owed them money. hey just went into my account and took the money.On 1/5/15 I went to my bank and filed an unauthorized debt form along with the forms that my account was closed. My bank or myself have yet to recieve any response from them. When I contacted the company by phone they told me they would not return my money. Thank You [redacted]Desired Settlement: I am on S.S.d.I. and I need the money to pay my bills so if you get it back for me that would be great.

Business

Response:

The accounts were indeed closed on the days you described. All fees related to the services we provide are billed at the end of any specified term (annual fees are year-end, monthly fees are month end, etc.). With our PCI Compliance fee, having an account open more than 6 months in the year made your account eligible for billing fees owed for services rendered. However, I have issued a prorated refund of 64.50. You were billed and open for 6 full months of 2014 (plus 25 days in July).Good luck in your future endeavors.Sincerely,[redacted]

Review: I used First National Processing/iPayment for credit card processing for my business since 2006. But repeatedly they took unauthorized amounts from my business checking account, and kept raising the fees.After they took an unauthorized amount from my account yet again on 5/31/15 with no warning ($119.00), I called to ask to have it refunded on 6/12/15. When they would only agree to replace $20 of the amount taken (which was never replaced), I closed the account in writing via fax on 6/12/15.Two days later, they sent me a fraudulent "bill" for $142.30 for unspecified fees, which included the May fees, which had been already taken from my account in the beginning of May.I attempted to get the $119. refunded to no avail.They then sold the fraudulent "bill" to a bill collection company, CrediSolve, who has been dunning me via mail and phone. I notified CrediSolve immediately that this was a fraudulent bill, and that iPayment/First National Processing owed me $119. But they continue to dun me and ignore my attempts to get them to stop dunning me.Desired Settlement: I request that my account be credited in the amount of $119.00 that was taken without authorization. It was for PCI Compliance for the upcoming year, which doesn't apply, since I closed the account. I also ask the they contact CrediSolve and remove the amount of the so called "debt" and send me proof they they have done so.I also ask the Revdex.com let the number of many similar complaints be reflected in the letter rating given this business, instead of giving them an A rating.

Business

Response:

Hello, we understand your concern for your business. Unfortunately the fees are valid stated on Page 3 on the agreement under the schedule of fees. In terms of collections, the balance is handled by a 3rd party, CrediSolve, and the issue has been escalated to them. Please call CrediSolve to rectify the situation.

Review: On October 26th, my checking account was billed $189 by Merchant Services. I called the next morning October 27th at 7:22 a.m. I have the record in my phone call log. I have record of a conversation that lasted 7 minutes and 39 seconds with a gentleman with their company who informed me they were aware of the mistake and that the charge would be reversed. I then called my bank PNC to let them know regarding the mistake. The bank indicated that the charge should be reversed by Friday morning, and if it was not, I should formally dispute it. By Friday morning, the charge had not been reversed, so I called Merchant Services back to inquire regarding the unauthorized charge.That call was probably one of the worst things I have ever experienced from a company. The first customer service rep was so unbelievably rude and insinuated that I did not speak with someone at the company about the unauthorized charge. I suspected that she was lying to me, and I was proven right when she went on to say that I had been charged the same amount the previous year and of course there is no charge for $189 from 10/2014 in my account. She then said she was looking for the charge, but she couldn't find it, but that it might be for $150 - that was a lie too. I have no such charges from them. I have a monthly fee of $50.90. They have charged $30 for an additional fee, but I would never have authorized a charge of $189 for this service.I asked for them to cancel the account and was transferred to another woman (Eunice I believe) who was also rude - they seemed angry at me for bringing the mistake to their attention. It was scary because they have access to my bank account. I was told I had to fill out a form in order for them to cancel my account and that I might get half of the money back in 30 days. After doing more research, I just decided to file a number of complaints about it because I was told by the first gentlemen that I was not the only one who had been mistakenly charged.Desired Settlement: Refund the money to my account; close the account; please never charge me again.

Business

Response:

Hello, we understand your concern and acknowledge your issue with iPayment. As your merchant service provider, we will submit the refund for $189.00 for the Payment Card Industry - Enhanced Security Package Annual Fee. We apologize for any inconvenience and please allow 7-14 business days.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10925923, and find that this resolution is satisfactory to me. In fact, they have already refunded half of the $189 at this point. They have also closed my account as I requested.

Regards,

W[redacted]

Review: iPayment has hired a collection agency to collect $150 directly to the ceo of Unidatum Integrated Products LLC. The ceo is not liable for any debt the business entity may have. This has appeared on his credit report via the collection agency. Unidatum Integrated products no longer uses Quickbooks merchant services which was the original product. iPayment had received 4 years of payments at $150/month on-time and never having to actually deliver any merchant services. Unidatum Integrated had no credit cards to process and so iPayment has received way more money from Unidatum that they even deserve. Unidatum Integrated requested cancellation of the account in writing via phone,fax and mail several times in those 4 years. iPayment kept charging their credit card and ignore the requests. These methods of doing business are not consistent with their Revdex.com A+ rating and I am forced to report this treatment.Desired Settlement: Remove any credit collections agency from my credit report and drop any collections process for this account. Refusal to do this will begin a lawsuit as I have personal damages caused by this collection agency reporting. And the company that I run (Unidatum Integrated Products) will begin a lawsuit to collect the $150 x 36-48 months of payments charged to their credit card without honoring cancellation. Unidatum has records of letters sent requesting cancellation and non-use.

Business

Response:

Hello. We understand the concern for Unidatum Integrated Products. Unfortunately, iPayment has never received a signed closure form from the principal on the merchant account. On 7/11/12, a service rep advised via e-mail cancellation is handled by our Customer Relations. O 1/13/13 we sent a closure form via e-mail to the merchant; however, a signed closure form was never received. The account closed 1/29/13 due to non-payment and has been forwarded to the third party collection agency. Unfortunately, all services will be handled by the collection agency to collect any month end fees by the merchant account.

Consumer

Response:

Review: 10851783

I am rejecting this response because:

Review: I opened an account with this company to receive credit card payments through my website I had the account for about a week, one of the representatives contacted me saying that there is a whole on my account because I received too many international orders. Therefore they had to review the account I gave them a few days to call they call about 3 days later saying that they decided to close the account because it's too risky and they will deposit my remaining funds which they did, it was $184 however they also took $350 I guess it's the cancelletion fee and I now have a negative 142 on my account. I'm not understanding why I have to pay $350 when I didn't ask to cancel the service. This company is a scam and I want the $350 put back into my account.Desired Settlement: I want my $350 back in my account.

Business

Response:

Hello. iPayment acknowledges the concern for the matter at hand. Our records indicate the cancellation was rejected due to a reason of a "stop payment" and the funds declined on our end during our attempt; thus, we can not credit what was not debited.

Review: Your company has continues to take money from both our business checking accounts over the past year for credit card charges (that we do not owe)cancelled service with them over a year ago and went back to our local bank due to never being able to get answers to questions if they ever answered their phones-even if you called early , late , middle of day always a message that we are experiencing high volumn of calls..emailed them with no results or answers as to why they feel they can go into our bank accounts and take money.We are a small mom and pop shop and both senior citizens so this is very appauling to us..I expect to get our money refunded to our bank-might not be a lot to a big company but it certainly is to us..(This was for credit card machine that our company contracted to take cards from our customers that didn't work out due to their company never being available to answer their phones)Desired Settlement: All money taken from both our business bank accounts over the past year..

Business

Response:

Hello. We acknowledge your concern for the month end fees being taken out. The fees are used for maintenance on the account and keeping the account open. Our records indicate on October 2014 we referred the merchant to the Independent Sales Organization, Reliable Group, to discuss rates; however, there was no indication to cancel the account. To cancel the account, please call 800-554-2777 and request closure. We also show notes we replied to an e-mail 10/13/15 showing the account is in compliance with the Payment Card Industry or the PCI. Unfortunately no month end fees can be reversed as the merchant account still remains active.

Consumer

Response:

Review: 10849145

I am rejecting this response because: this is a ridiculous statement on maintaining my closed account--money has been taken since last year from both of my business accounts--this account was closed so their would be no reason to maintain a closed account other than to take money that they did not earn--last time anyone even answered the phone they were looking into it and would get back to me-which they never did!!There has been a good bit of money on accounts that showed no activity other than them taking money from both--I am in compliance because I have to be in compliance to be able to take credit cards thru m local bank--I am only asking for money to be returned to my bank that was not earned for any reason from this company-I will get the statements from both accounts to show how much they have taken--we are a mom and pop shop senior citizens trying to make a living to have to be taken advantage of..

Regards,

D[redacted]

Business

Response:

Hello, we understand the concern for any small business. The call back request was from the Independent Sales Organization who is not associated with iPayment; however, they handle the rates and fees. Unfortunately without a written closure request, we can not know if the account needs to be closed as we do not have notifications based on inactivity. To obtain the closure form, please call ###-###-####. Regarding the refunds, iPayment can refund the past 3 months.

Review: This company held over $5000 of my money before I called them to ask when was it to be deposited. That's when they told me that a customer Stared that they didn't recognize a charge by my company so they were going to hold $2500 of my money for thirty days. This wasn't a charge back and I have talked to the customer. This company should be investigated by the FBI and closed down with they way they do business. They are a scam.Desired Settlement: I would like my money released because it really hurt my business to hold so much money for someone stating that they didn't recall a transaction. This was not a charge back. The amount was for $940 and they are holding over $5000 and said they will hold $2500 for thirty days. I want my money today.

Business

Response:

Hello, iPayment realizes the frustration this may have caused for the business. The reason funds are on hold for thirty days is for protection for both the merchant and iPayment. Should the cardholder dispute a transaction, we would use the reserve amount to cover any disputes caused by the card holder. After the estimated 30 days, the funds will be released to the checking's account on file. Since there was a previous dispute for $942.53, iPayment must raise a flag for future disputes on the account; thus, any reserves will be released after the estimated 30 days.

Review: We were a victim of Credit Card Fraud. Credit Cards that a customer used to pay for product were stolen. We were unaware of this until the transactions were suspended by the processing company. For 3 days they wouldn't contact us to let us know why the transactions were suspended. When they finally called, they said that they hadn't been in touch because they were investigating the transactions as fraud and had determined that they were indeed stolen cards. We never sent product out and we never received the funds from the processing company. Instead of reversing the transactions so protect the owners of the cards, they held the funds and are now trying to take the funds back from us. Funds they NEVER deposited into our account! They agree that they've never given us the funds but say that it is protocol for them to take the money from us, hold it for 10 days and then give it back. In the meantime, the owners of the stolen cards are calling us as we are appearing on their statements, even though WE NEVER received the money. I have sent bank statements to the processing co showing that we never received the money. They have now flagged us and we can't use any processing companies for credit cards. This is hurting our business! We are just a small business. We want them to stop trying to take funds from us that we never received and remove the flag from our name. Our credit was perfect until we fell victim to fraud. The gal assigned to our account, S[redacted] ###-###-#### won't respond to our phone calls. We were the victim as well as the card owners. The processing company shouldn't make it worse. They just need to reverse the transactions and be done with it!Desired Settlement: They need to reverse the transactions and remove the flag from our account ASAP.

Business

Response:

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.

Consumer

Response:

Review: 10767068

I am rejecting this response because: The credit card company charged the card holders cards. The credit card company is holding those funds. We never received them and can prove it beyond a doubt with copies of our bank statements. The credit card company is trying to take the funds from us even though we never received them. The credit card company needs to release the funds back to the card holders.

Regards,

K[redacted]

Business

Response:

Hello. We acknowledge the funds on hold as the merchant service provider. To clear any confusion, we are not a credit card company, but a merchant service provider. At iPayment, we deposit the money into business checkings accounts and allow businesses to use credit cards. To protect card holders and also the company, guidelines are created to protect both the consumer and the company. In this particular case, the Issuing Bank of the cards, USAA Savings, advised us to hold to all funds on hold; moreover, this conversation was confirmed by our Risk Representative at iPayment. At this point in time, the funds must be held in accordance with the issuing bank.

They ripped me off big time. The salesperson convinced me to switch to them by telling me low rate approval 1.6%. I opened an account with them and after my first transaction I notice it is not 1.6% in fate it was more than 3.5% plus their stupid monthly fee and device fee even statement fee. More than that they hold my account because of my transactions went above their approval even I gave them my previous merchant account statement they approved me for a stupid amount of 30k per month. To keep it short, they push me to reversed my transactions and ruined my reputation in front of my clients. Anyway, more funny they billed for sweeping and returning those transactions at the end of month. There was a stupid guy name Juan from risk management who doesn't undestand anything at all. At the end, one word, this company is a real scam, do not make a same mistake as I did. Their fee is so high and their service is horrible, worst in the town.

Review: Had been given a fraudulent information.I was contacted by the company representative Chris Madans, after a presentation,Chris had filled an agreement to be approved by the company, he ask for the signature on the agreement, copy of the business check and copy of the driver license. I was told there will not be any charges (equipment or service) till the activation of the service. All the information he gave me was fraudulent, there were charges for both and I decide not to go with the IPAYMENT. First bill I received I had crossed and wrote across " please cancel this account" I try to follow up, but for some reason was unsuccessful. Since I had never switch my merchant account to IPAYMENT and never once process any transaction, I assumed I was under no further obligations to the company. I had just found out that I have been charged for 17 months that totaled to about $465.Desired Settlement: I would like to have my money refunded and stop all further charges to my account.

Business

Response:

Hello, we understand your concern regarding the credit card merchant account. iPayment serves as the Merchant Service Provider who deposits the funds into the Merchant's Bank Account and allows the Merchant to process credit cards. On or about 6/20/14, Sasha G Salon entered a Merchant Agreement with a Schedule of Fees on Page 3 of the document. These fees are used to maintain the account despite inactivity on the Merchant Account. On 11/18/15, our records indicated we received a signed closure form; thus cancellation will be escalated. Unfortunately because the fees are used for maintenance on the Merchant Account, no refunds can not be processed.

Consumer

Response:

Review: 10949262

I am rejecting this response because:The application I had signed is application, that is what it said, not a contract or any obligatory document. If account is not activated what does it take to maintain it. I was not aware of this charges because in my business checking account it never came up as IPayment, but came up as BANKCARD/MTOT DISC 4[redacted]46993 SASHA G SALON & SPA, which to me look like it was charges for discover card (DISC). I only realized there maybe a problem as I called the number on the IPayment statement as it states ( -$64.89) and I assumed I had a credit coming for $64.89 from discover and was told thats money that came out of my account and had been charged to my account ever since 6/14/14. Seventeen months charges for work they never did total of almost $500. I don't know how its possible that's been a legal charges.