iPayment, Inc.

Review: When I was contacted by the sales person, I was assured that the fees charged would be less than my current credit card processor fees, and funds would be in my bank account the next business day.From the very first, my experience was less than satisfactory. First, I was told that I had given an incorrect bank account number and that my voided check referred to a closed or blocked account. I was told that I needed to send another voided check to prove I had an account. When I called the sales rep, I found that she had omitted the first three digits of my account when she entered it. She said that problem was corrected and that things would work from that point on. I began to use the machine in mid September. When no funds were put into my bank, I phoned both sales rep and customer service, and was told funds would be there Monday. I left for two weeks, but checked my accounts daily. Monday, still no money. I called them again and was told that the bank info needed to be verified. On my return, I spoke with [redacted] of their company, and she said she would give my number to [redacted], who would fix things. [redacted] told me that they could not just take the information on my cancelled check, as some people fraudulently opened accounts, so they needed to have me give them my information again. He said I would now receive my money the next business day. I began having to call them almost daily. I finally got part of what was owed on October 13. I phoned them again and was told that it would take several day's closing before things could work smoothly. They charged me for calling the IRS to verify my account was valid.After talking with a person there named [redacted], I received $197 more, but that still left a significant amount owed. I considered the contract invalid at this point so cancelled it. They then charged me $350 cancellation fee. I was disputing this when they deducted an additional $14.95 from my bank. DO NOT USE THIS COMPANY. THEY ALSO GO BY IMERCHANT DIRECTDesired Settlement: I want the remaining funds owed me and want them to refund the $350 cancellation fee and the additional funds they took from my bank($58.85). They never fulfilled their contract, making the contract invalid, so the fee should never been taken from me. When I call them, they promise to call back, but these calls never come. I also want an apology. This company should not be doing business.

Business

Response:

Hello, we acknowledge the concern for the month end fees. In the original application, it has a clear listing of the schedule of fees including month end fees and early termination fees despite the reason for closure. We have submitted refunds for September month end fees, $48.94, on 10/19/15 and released the remaining funds on hold, $177.58, 10/15/15.

Business

Response:

Hello, we understand the concern for your business with the collections and cancellation fees. The balance is owed is $25.00 and we have submitted it to be waived. Unfortunately we can not submit the credit for our early termination fee due to the signed agreement.

Consumer

Response:

Review: 10884401

I am rejecting this response because: The amount owed is

$112.41, not $25.00. The early termination fee CAN be refunded, as it is your company who didn't follow through. It does not take over two weeks to be paid from any other company. Your refusal to accept responsibility for your errors makes it even more important that people know about you. To pay me less than 25% of what you owe me is theft.

Regards,

Review: We enlisted this company to process our credit cards. The person taking in our company iinformation did not listen to what our business did and did not classify us correctly within their system. We were listed as a personal trainer working from home rather than a doctor's office that does weight loss. After accepting our credit card transactions for one day, they placed a hold on our account without telling us. They continued to accept our credit card transactions for three and a half days. The funds after the first day were never deposited into our account. Everyday I called to ask why & was not given a clear answer. Today, Friday, they informed us that they do not do business with weight loss centers. We asked them to cancel our account and return our money. They informed us that our account is under review by their risk management department and that our money is on hold. They said that we may not have access to our funds for 180 days. SIX MONTHS!! Credit card income is 70% of our income. We have checks in the mail that are going to bounce because they are withholding a week's worth of credit card income. This is stealing. We are a small business and can not survive without a week of income.Desired Settlement: PLEASE JUST GIVE US THE MONEY THAT WE EARNED. Our patients paid for our services and these people kept their money. If they had told us upfront that they did not work with weight loss centers, this never would have happened. They were dishonest, they represented us in a way that was not true and they are keeping our money without just cause. In order to explain the reason they are keeping our money, they cited a document we have never seen and certainly did not sign.

Business

Response:

Please move this review to iPayment’s profile. The decision regarding the holding of the funds for this merchant is made by the Loss Prevention/Security Team of iPayment. Creditcardprocessing.com's role in the sales process with this merchant is to explain the rates and fees associated with credit card processing and the equipment used for said credit card processing. We then assist the merchant through the application, underwriting and boarding process of their merchant application and merchant account install. At that point, they have a merchant account with I-Payment and all debiting and crediting and holding of funds are handled and determined by iPayment and we have no control over such decisions.

Consumer

Response:

Review: 10800298

I am rejecting this response because:

Review: I started a new account with this company at the end of August 2015. I entered three credit card transactions on Sept. 3rd. It is now Sept. 23 and ipayment has not yet delivered the funds to my bank account. Numerous calls to customer service, customer service supervisors and sales staff do not resolve this. Staff rarely returns phone calls, or makes promises they will call later but never do. They keep finding reasons that the funds haven't been replaced (need more paperwork etc.) despite our best efforts they keep stalling. It all feels very fraudulant.Desired Settlement: I would like all of my funds that are due to me released immediately. I would also like to close my account with them and only pay the $7.00 fee for the one month of service.

Business

Response:

Hello, We understand the issue of the funds not being deposited into the correct bank account. In the merchant agreement, a bank account was provided to us which was closed when we initially deposited it; thus, we could not deposit the funds. Moreover, we received a request to change the business structure on 9/23/15 as well as the documents to change the bank account which caused the delay. We released the funds 9/24/15 totaling $3,789.01 minus the processing and monthly fees.

Review: I hired Flagship merchant services to process our credit card transactions. We had 3 charge backs. On Saturday, on or about 15:05, I received a phone call from someone in the risk management department named S[redacted]. He informed us that a payment batch of 350.00 was suspended because of some chargebacks. He asked me to generate 15 invoices. I generated the invoices based on Authorize.net information. It took 50 minutes to generate them. I emailed them at 15:50 and attempted to call him. No luck because it was Saturday and they would only open on Monday at 9AM.On Monday, August 31st, 2015, I contacted my account representative and explained the issue. At that point, I was told that someone else was involved on my case. After a couple email exchanges, I learned that an individual named:Ken Mejes, ###-###-#### was looking into it. I called him at 0925 and then at 11am. All I got was voice mail. Then, I sent hi 2 emails. Today at 16:47, he finally decided to reply to my email and here is the reply:Hello,I have attempted to reach out to you but I am unable to leave a message. Please provide the card holders contact phone numbers for the invoices provided.Thank you,Ken R[redacted] Risk ManagementT. ###-###-#### F. ###-###-####www.ipaymentinc.comHe never called me. He waited until the end of the day to reach me. After I received the email, I called him twice. He finally answered and we spoke. He wanted me to provide phone numbers for all the customers invoices. I told him that some customers does not provide this info. He said: well, I am going to close the account and it will take 180 days to get your funds, but better yet, I will ease it for 90 days. They will be released on November 31st, 2015.Desired Settlement: This is not business practice. I am not disputing the chargebacks and 90 days holding someone's funds is unfounded.If my account will be closed, they should deduct the chargeback amount of 120.00 from the 1300.00 dollars that are on hold and release the funds.

Business

Response:

Hello. We acknowledge your concern of the $120.00 being held after the account being closed. The reason the $120.00 chargeback is on hold is if the merchant service provider, iPayment, does credit the $120.00, the cardholder can still dispute the amount after 90 days; thus, an additional liability will be placed on the merchant service provider. We can hold the $120.00 for 90 days rather than 180 days as a courtesy should the cardholder dispute the $120.00.

Review: I signed up with the company from credit card processing. I was quoted $17.99 per month only to be charged $50 or more dollars per month for various fees. I was told if I did not like service I could cancel at no charge per Sherian Foster. I used services in November and did not like it. After being charged 50+ dollars per month I repeated requested cancellation December, January, Feb and March and was charged a $350 Cancellation fee. I spoke with a rep by email and was told if I reopened my account I would be refunded the cancellation fee and guaranteed my rate would be $17.99 per month only to get a bill this month of $180.00. I called in on Wednesday, July 10th and spoke with Sophia who spoke with a manager and said I would get a refund of the Early Cancellation Fee on June 13th which never happen. I am afraid to cancel because I am afraid I will be hit with another FEE. This company operates in fraud and I need some assistance with working this situation out. I have numerous emails with promises that never happened. Any assistance would be greatly appreciated.Desired Settlement: I would like to be refunded the Early Cancellation Fee as well as last month overrages.

Business

Response:

Hello,We are sorry to hear of the issues you are expressing. Upon review of your merchant agreement, it seems all fees are being charged as signed for. You have processed credit card transactions and accepted the terms of the merchant application and the program guide. This explains and authorizing applicable service fees. Our customer service departments are available to aid you in understanding your schedule of fees. The agreement does state you have a cancellation fee. Unfortunately we would not be able to waive this fee as the agreement is signed for and being used for your credit card processing.Thank you.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed]

Review: National Bankcard, Inc open Are over Murchant Account 04/2015 thay never Tranfar any $ amount in my bank account untly now. they are holding $31,000.00 and more amount .and 5/17/2015 they close My account .and thay Tranfar My account at iPayment, Inc. National Bankcard, Inc and iPayment, Inc thay both a[redacted] . We did everything , we give tham all Shipping Tricking Number and Invoice also. But Now iPayment, Inc not Reponding over email Or Phone Cell also. almost two Month they are Holding $31,000.00 +more. very very Bad customer service.Desired Settlement: National Bankcard, Inc open Are over Murchant Account 04/2015 thay never Tranfar any $ amount in my bank account untly now. they are holding $31,000.00 and more amount .and 5/17/2015 they close My account .and thay Tranfar My account at iPayment, Inc. National Bankcard, Inc and iPayment, Inc thay both [redacted] . We did everything , we give tham all Shipping Tricking Number and Invoice also. But Now iPayment, Inc not Reponding over email Or Phone Cell also. almost two Month they are Holding $31,000.00 +more. very very Bad customer service.

Business

Response:

Hello,We are sorry you have been in this situation with funds held by our Risk department. We have taken many calls from you regarding this hold and have explained everything in full. To cover your complaint about not responding to any calls or emails this is not true. We have many notations showing you have called and been explained all matters regarding the hold. We have explained that the products you are selling are on our prohibited list and we cannot allow for the sales to go through. We suggested that you issue refunds to your customers and accept an alternate form of payment to get your funds. You had stated you would not issue refunds which resulted in us holding the funds. In addition to the transactions being of a prohibited product, your account is now receiving Chargebacks and Retrievals which are customer inquiries/disputes totaling $13,471.70 to date. We will have to hold the funds and can review for a release in July. Having Chargebacks/Retrievals equal more then the amount you process in a month poses a very high risk issue.We hope this answers your questions. Again we did offer you a resolution which was to issue refunds to your customers and accept an alternate form of payment which you declined to do.Please call ###-###-#### for further assistance on a timeline for releasing your funds held.Thank you.

Review: Dear Mr. [redacted],I signed up for merchant services with Authorize.net Gateway billing, in August 2014. At that time I was told that the monthly fee would be $25.00. However, almost immediately the monthly fee rose to $49.89. I was also told by [redacted], that my association with your organization was on a month to month basis; that I could cancel anytime. Now I discover that I was misled. Deeply imbedded in your contract is a clause which states customers are to be retained for a minimum of 3 years, otherwise they are to be penalized for no longer needing or wanting your services. I cant tell you what a shock that turned out to be. My company is brand new; I have no idea if it will be around 3 years from now. Why would I willingly and knowingly sign up for services that I may not need 3 years from now? In addition to the aforementioned fiasco, I was being charged a fee for non-compliance. Apparently, the web designers that I hired could not make the corrections to my website, so your company charged me $79.89 every month for several months. I am NOT a web designer, therefore, I could not make the necessary corrections to my website. I could only sit by helplessly as the inept designers continued to work on the problem. I spoke to a member of your staff, who informed me that I would be charged a non-compliance fee of $79.89 until the problem was resolved. Needless to say, I was not going to continue to pay $79.89 per month to your company. I instructed the Customer Service Representative to cancel my merchant account.The next month my account was charged a $350.00 early cancellation fee. I am requesting that the money be returned to me. I was not told of these fees at the beginning; I was being charged more than 3 times the amount I was initially quoted; and I felt rather helpless throughout the entire process. Thank you in advance for your assistance in resolving this matter.Desired Settlement: I want the $350.00 early termination fee returned. I want all the non-compliance fees returned. Ingram Merchant Services is engaged in deceptive trade practices. Something should be done about. If every company attempted to keep their businesses afloat by penalizing customers who no longer see the value in their services, this would truly be chaos.

Business

Response:

Hello,First off, I am sorry to hear of the issues you experienced with completing the compliance and the cancellation fee not being discussed beforhand. It is strongly suggested to always review both your merchant application and your program guide which is mailed upon approval. All of which do disclose the PCI fees and contract terms.To clarify, the PCI Non Action fee is not $79.89. It is $30.00 per month until you become compliant. You have other monthly fees which again are discussed in your merchant application/agreement.We will issue a refund to you for the cancellation fee of $350.00 due to these issues but we are unable to refund you any penalty fees for not being in compliance with our and the industry's requirements.Thank You[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10593972, and find that this resolution is satisfactory to me.

Regards,

Review: The Revdex.com handled this issue around 2 years ago, and they were to send me a refund according to what the company told the Revdex.com but after the complaint was resolved on your end the company said that they will not pay and I have to take them to court to get back my money. Well now they have signed me up for their services again with out my authorization and once I called them they said that I have to pay them $49.95 and a termination of $499.00. This is a bad company with out no overview. I asked to speak with a manager and the person said no that I have to settle with him. This people should be arrested.Desired Settlement: I want them to stop harassing me and delete my information that they have on file so they will stop signing me up for their services with out my consent.

Business

Response:

Hello, we acknowledge your concern with iPayment. However, with the information which was provided, (Name, Address, Phone number, e-mail) there is no active account open with a $499.00 ETF. Please provide sufficient documentation to continue investigation such as a Merchant ID number. Thank you.

Review: This company was a company I looked into for a credit card processing company. I ended up changing my mind and not going with their service. When j told them I didn't want their service the rep eventually said ok and that he would cancel my information out. A month later I got a bill and when I called about the bill for the service I never ended up with from them they tried to tell me I would have to pay. $500 cancelation fee for a product I was never even supposed to have. It's a scam.Desired Settlement: I want this account canceled and no $500 fee charged to me. The first rep when I called about the bill never mentioned a few, it was supervisor who threatened me that if I canceled is be charged $50".

Business

Response:

Hello,We are sorry to hear about the issues you have experienced with the independent sales office, Merchant Account Solutions. Here at iPayment Inc., the processing center, we have closed your merchant account and waived any applicable cancellation fees. If you were sent equipment from the independent sales office, Merchant Account Solutions, then you must return that equipment to avoid any additional charges.Please contact the independent sales office at ###-###-#### to arrange for returning any equipment.Thank you.

Review: Green Plumbing, Inc. set up an account on the phone with Patrick Pascua at Merchant Account Solutions in December 2014 with the assurance from Patrick that there was no contract whatsoever for the service. Please check the recording of Patricks conversation with us for confirmation. Soon after we set up the account we were not satisfied and decided to cancel the service. We tried for two weeks to reach Merchant Account Solutions over the phone and left several messages, which were never returned. Finally, we did speak with several people about canceling the service, among them, Anthony with Merchant Account Solutions, J[redacted] and P[redacted] with iPayment Inc.We informed P[redacted] of Patricks assurance that there was no contract whatsoever, and asked him to check the recording for verification. P[redacted] also assured us that if they could not produce a contract, either a verbal recording or a written, signed contract, that Green Plumbing, Inc. would not be liable for cancellation fees and other fees that we never agreed to. Again, check the recording. Customer Service proceeded to e-mail us a contract in which they placed J[redacted] in a cursive font in the place of a real signature. See attachment. This was highly offensive and criminal.iPayment Inc. made an unauthorized withdrawal from our bank account on 01[redacted] in the amount of $272.70.Merchant Account made an unauthorized withdrawal from our bank account on 03[redacted] in the amount of $295.00.Desired Settlement: We want this account canceled as of December 2014 and a full refund of all unauthorized charges. We are not responsible for any cancellation fees.

Business

Response:

Hello,We are unable to review what you mention we should on the call with the sales agent. The application your company submitted contains all pertinent information for your review before agreeing to and using our services. Digital applications with digital signatures are accepted. I do apologize but we did not forge the application. I do see you using our services at one point. How did your company apply/setup and use the service without authorizing and agreeing to an application? The services were used and the application was agreed to with your company, we are unable to refund fees owed for services rendered.

Consumer

Response:

Review: 10581112

I am rejecting this response because:Thank you for your letter dated, April 22, 2015. I am responding to the message from business” point by point.1. We are unable to review what you mention we should on the call with the sales agent.They may be unable to review the recording, but this does not change the fact that we were assured that there was no contract for this service. Does their response mean the recording no longer exists? Did they speak with P[redacted] (sales agent) regarding this issue? Is hecurrently employed by the business?2. The application your company submitted contains all pertinent information for your review before agreeing to and using our services. Digital signatures are accepted.We never submitted a written or on-line application. We never signed, digitally or otherwise, an application.3. I do apologize but we did not forge the application.We never signed an application, digitally or otherwise. We never submitted an application.4. I do see you using our services at one point.We did use the companys service briefly in December, and then canceled the service.5. How did your company apply-setup and use the service without authorizing and agreeing to an application?We set up the service on the phone with P[redacted] " with Merchant Account Solutions in December 2014. He never sent or asked us to sign, digitally or otherwise, an application. P[redacted] P” assured us that there was no contract involved and that we could cancel this service at any time, because there was no contract.6. The services were used and the application was agreed to with your company, we are unable to refund fees owed for services rendered.We used the service briefly in December and then canceled the account. We are not disputing charges for the service used. iPayment Inc. made an unauthorized withdrawal from our bank account on 01-12-2015 in the amount of 272.00 after we had canceled the service. We informed our bank not to allow iPayment Inc. to make any more withdrawals from our bank account. Another unauthorized withdrawal from our bank account was made on 03-12-2015 under the name, Merchant Account, in the amount of 295.00. We closed our bank account to prevent further theft,I would like to add that Merchant Account Solutions has not been able to provide a signed contract or the recording of the phone conversation when the account was set up. We have repeatedly tried to speak with the sales agent, P[redacted] P*, who set up the service on the phone with us, but have been unsuccessful. I have to wonder why P[redacted] is unavailable.Thank you for your assistance in the matter.

Review: This credit card processor is holding ALL of my sales transaction money which totals $2166.20. They are stating it is because they need to verify charges for an $1853.52 transaction. I have reached out to the customer for him to call iPayment and verify these charges, (the company is The Boeing Company) and they stated they could not get ahold of the customer. I am a very small e-commerce business, and I cannot afford to have this amount of funds held indefinitely. They have been holding these funds since 10/27/2015. I asked them if they could please release all the funds but the one in question and they will not answer me. J[redacted] is the Risk Management person that is holding my funds. His phone number is ###-###-####. I don't know what else to do here. I have tried to get the credit card holder to verify these charges, but this is a huge company making millions of dollars. They probably figure they don't NEED to verify any charges. If I keep getting orders, and my funds are held, I will go out of business because I have to pay my vendors for the cost of goods, but I have no money coming in.I wish I would have read all the pages and pages of bad complaints against iPayment before I signed u with Flagship Merchant Services, but unfortunately Flagship has a 4.9 rating out of 5 and I had no idea that iPayment would be involved. I deeply appreciate any help on this matter. My next recourse is an attorney, which I cannot afford.Desired Settlement: Please ask them to release my transaction funds totalling $2166.20.

Business

Response:

Hello, we understand your concern for the funds on hold. As a merchant service provider, iPayment verifies the cardholder information with the customer to prevent any liability issues. In the case with Simply Housewares, it was indicated on 10/30/15 the cardholder information did not match the invoice. Should the cardholder dispute the transaction and create a chargeback, the merchant service provider, iPayment, would suffer the loss and not the cardholder. On 11/9/15, the merchant was credited $308.34 and on 11/11/15 the merchant was credited $1978.39.

Review: IPAYMENT is a merchant services company, providing credit card services to businesses. In July, I applied for and was approved for a merchant account with this company. I have been in business for nine years, and have a good reputation. I process $20,000 to $30,000 in sales per month, and have several lines of credit and no debt. I signed up for a merchant account with this company because I thought they could save us some money on the fees we currently pay. Shortly after signing up, and after processing our first transaction with iPayment, our account was frozen and audited by their 'risk management' department. When I questioned the judgement of the risk management employee, B[redacted]., he became extremely defensive and confrontational. A few days later I found out that he had 'punished' me by terminating our account and blacklisting my company. When I inquired as to why our account was terminated, I was told that we were selling 'illegal items'. I was shocked and offended by this false accusation. Our company sells stage jewelry, native American costume accessories, and props. It soon became apparent that the 'risk management' employee didn't like me questioning his actions, and he thus decided to make false accusations about my company so that he could then close our account. This is highly unprofessional.These false accusations have resulted in our company being blacklisted by other banks with no recourse whatsoever aside from filing am eventual lawsuit. When audited, we:1. Sent an invoice, showing exactly what the customer ordered (in this case, a bracelet)2. When asked, we disclosed the customer's phone number to iPayment, so they could contact the customer.3. When the customer was contacted, he verified that he had in fact ordered a costume bracelet.Nothing we sell or have ever sold is illegal, and we have never received such a wild and unsubstantiated accusation in nearly a decade of doing business.Desired Settlement: We demand that these false accusations against our company Chrono East Trading LLC be withdrawn, and that an apology be issued, along with a proper investigation into the 'risk management' department's misapplication of policies, and blatant libel and slander against our company. If we are unable to get a resolution via formal complaints or mediation, we will be forced to pursue legal action.

Business

Response:

Hello. iPayment acknowledges the concern for the image of any company. After investigating the merchant account, iPayment did not "blacklist" Chrono East Trading LLC. The merchant service provider, iPayment, was required to cancel the account because of the breach of agreement with the company. The original merchant account was initially set up to sell "costume goods"; however, Chrono East Trading LLC's products were not "costume goods". Because iPayment did not place the merchant on any "blacklist," there is nothing iPayment can do to withdraw Chrono East Trading LLC from such a list. Moreover, if the merchant is having issues setting up new accounts due to our actions, please contact our Risk Department to clarify the issue.

Terrible risk management team. June

They improperly placed holds your fund.

Just like Paypal which get sued recently.

Review: I have a brand new credit card machine that was programmed with the new chip processing software. I closed one of my businesses and wanted to transfer my machine to another one of my businesses that needed the new chip processor. iPayment unprogrammed my machine and now First Data who manufactured the machine says that iPayment made this machine no longer functional. So, I have a brand new credit card machine that I cannot use and I purchased this machine in March 2015.iPayment keeps referring me to customer service. Each time they give me a new customer service number and the representative ultimately tells me the same information, my machine is unprogammable. They were the ones that de-programmed it in the first place!Desired Settlement: I would like the same machine replacement that can be programmed so I can use it. I can do nothing with the current machine I have.

Business

Response:

Hello, we acknowledge your concern for the continued use of the terminals. Our records indicate no one from Durant Amusements has called our company since the account closed 10/15/15 to assist with unlocking the device. Please call our terminal support at ###-###-#### Option #2.

Review: On Thursday 3/19/15 I received a call from a Chicago phone number giving me a sales pitch for credit card processing, I agreed to meet with a rep at my office yesterday. Yesterday "Kelly" arrived at my office 30 minutes early. During the meeting "[redacted]" was not able to present me with a business card, she simply wrote her first name on her paperwork with her phone number. The paperwork my coworker and I were presented with was obviously copies of copies, very low quality. While the company promises to save us thousands of dollars each year I question if they are legit. Any company that wishes to obtain my banking information, social and drivers license should be able to present me with legit credentials.Desired Settlement: I would like to be contacted by someone with authority in the organization. My recommendation to this company would be to supply your sales reps with business cards, have them provide a last name, wear something with a company logo or simply provide paperwork that is accurate (I was quoted different numbers then what appear in the paperwork) and possibly provide the reps with professional material about the business. At this point I question if this is a legit company due to the experience.

Business

Response:

Hello,To confirm you did not provide any personal information to the rep? I am sorry you feel the sales rep is unprofessional and we will have this discussed with all levels of the management team.Thank you.

Consumer

Response:

I am rejecting this response because: My original concerns were not addressed. I asked them to verify if this person was a legitimate employee which was not addressed in their response. It was not a matter of the rep not being professional. I am concerned that they were unable to provide proof that they are truly employed by this organization.Regards,[redacted]

Business

Response:

Hello,What was the representatives full name? What was the name of her sales office? I am unable to address this further on a individual level as we do not have enough information to go by. As I did mention however, we can have this addressed on a company level regarding the handling of new sales. But without specifics I cannot identify the sales rep just by their first name.Thank you.

Consumer

Response:

This is exactly my concern, she only provided a first name which was mentioned in the first message sent to you.

Here is the information we were left with so that you can further investigate. "[redacted]" ###-###-####

This is the only information we were left with and this is the primary reason why I contacted the Revdex.com.

Regards,[redacted]

Review: I have been a small business owner for 12yrs, this company upon presentation had a lot to offer my small business. Things were in line and functioning properly for a few weeks until recently. There was a problem pulling the billing from my account, this problem was corrected on my end right away. Now they are with holding my credit card deposits but did pull some billing out of my account today. Jeff who set up the account will not return my calls and I still do not have any deposits into my account. I can not do business this way.Desired Settlement: I would like my money deposited into my account and my contract devolved. I do not wish to do business with this company any longer.

Business

Response:

Hello, we understand the concern for any funds on hold. Unfortunately the issue arised when we were unable to collect the month end fees after services were rendered for September 2015. The only the issue can be rectified was with a bank letter stating authorization from the merchant. Our records indicate funds has been deposited into the account totaling $996.45 on 10/24/15.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10868609, and find that this resolution is satisfactory to me.

Regards,

M[redacted]

Review: On 1/22/2015 I subscribed to CSI Processing to handle my merchant services. I was told there was no contract and no fee to cancel. On 5/30/2015. Card Payment Solutions (CSI) withdrew $178.00 from my business account for an annual fee that was not part of my agreement. I have papers which stated that my annual fee is $79.00. I have contacted the bank and currently disputing the charge. I have called them and they did not provide me with any paper work the substantiated the fee. In addition, I was told that there is a fee to cancel and that I do have a three (3) year contract. The representative, Dave Maul, told me that there was no fee to cancel and month to month contract and that the signature for the contract was needed only to begin services. This service was misrepresented and the agent does not answer my calls. I have called the company and was told that they would have him call me. He has not called nor has anyone else responded.Desired Settlement: I want my money refunded and I want to cancel all services.

Business

Response:

Hello,We are sorry to hear about the missunderstanding in terms. I have attached for reference your merchant agreement and a mailer sent regarding changes to your account. The merchant agreement authorizes the charge of a PCI Compliance fee. This fee/program was restructured to our Enhanced Security Package which is the applicable fee you were charged of $179.00.You have spoken with our customer service department and they have a pending refund which is being processed. We will consider this complaint resolved as the request for a refund is already been address by customer service.Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10663497, and find that this resolution is satisfactory to me.

Regards,

M[redacted]i

Review: La Salud Hispana Medical Communications Group, Inc. is a minority, full-service scientific medical education and patient health information communications company. We specialized in the developing, planning and implementation of innovative, high-quality and effective cross-cultural customize scientific medical education initiatives to support specific independent educational activities for healthcare providers and patients that will translate to better management of disease in real-world clinical scenarios and improvement in patient safety and population health.We were in need of a credit card merchant account to accept credit cards for our Medical Conferences registration fees and/or program sponsorships. We did a lot of research online to select the best credit card processing company. We selected CreditCardProcessing .com which was a horrible choice and we did not know, nor they fail to tell us they are a reseller company for another company call IPAYMENT. Our application was accepted and processed and we were given the ok to start processing payments through Authorize.net. We had no idea we were also working with a company call IPAYMENT. Immediately, they charged our checking account a processing fee we were not told about it. We processed out first payment for a registration for an international medical conference that Ipayment put on hold for over a week for further review. After leaving multiple phone messages for days with no response and submitting the requested documentation through emails, we finally reach a supervisor whom told us flatly that we needed to refund the charges and that he will close the account. We were told that because we were a travel/airline agency we did not qualify for their services. We explained we are a medical education company not a travel agency. However, we were told flatly and in a very rude manner again that the account will be close and we had no saying on the matter or right to appeal the decision. CreditCardProcessing drop the ball completeyDesired Settlement: We are demanding a full review of this issue and reinstatement of our account. Ipayment advertises everywhere their mission is to work with small companies to help them be successful. They are not practicing what they advertise by closing accounts unfairly with no review and/or written explanation. In addition to misleading companies with false advertisement. Our company feels invaded and mistreated unfairly. Ipayment has no manners and very poor customer service, authoritarian managers.

Business

Response:

Hello, we understand your concern for any funds on hold. The reason iPayment held the funds was due to transaction being processed as a hotel/airfare transaction and the business was set up to process medical transactions. This creates a liability issue since the card holder can dispute the transaction within 6 months and iPayment would suffer the loss for processing under the wrong industry. We apologize for the inconvenience; unfortunately, we can not reinstate the account. Once the refund has been processed, our risk department can close the merchant account.

Consumer

Response:

Review: 10939902

I am rejecting this response because Ipayment is charging us fees for a total of $ $62,90 cents and yet they telling us they closing the account. In addition, once again for the million time we reinstate we are not a travel agency. WE ARE A MEDICAL EDUCATION COMPANY. The charges are for registration fees to an international congress. If you closing our account then refund the charges you are charging our company and guarantee us you will remove our name from any data base that will prevent us from opening another merchant account.

Regards,

I signed an applicationwith this company and was given a 90 day free trial in writing. First they sent the wrong number of credit card terminals and the wrong type. They never sent to right equipment to me. They began charging my account immediately for statement fees and other fees, but never once processed any credit cards. I was unable to reach my sales rep on the 2 phone numbers he gave me. I had to hold for 45 minutes to speak with a service rep and then was told my contract was "non-cancellable" and I was charged $350 to close my account plus two months of service charges for nothing.

Review: I was thinking about switching over my merchant account to them. The salesman came in and told me I had 30 Days to cancel. The company was going to pay the fee for me to which merchants. They were not able to pay the merchant to which me over them. I called several times. I spoke to a manager Karen and she said she would handle it. She said I could call her anytime and she would have to get on the phone with me. She never returned my phone calls. Time was getting close to the 30 days so I called again and spoke to someone who gave me the address to return the terminal. He told me the company was taken over and he was sorry about the inconvenience. I left Karen a vm about what I was doing and never received a call. Please keep in mind each time I called the answered the phone by a different name. I am not sure If Ipayment bought this company out or the name always was Ipayments Inc

When the machine was returned and I had them sign for it. I received all call about returning and verifying my account was closed.

I saw some charged from on my bank statement and my bank put a stop payment on my account. They were still able to get in and have taken over $463.00 out of my account. They are sending me statements saying I am using their terminal for charges and I am not. They send me a monthly statement. I called them and got no where. They have taken out of my account each month since Sept. a total of $463.00. This is the second time I had a stop payment done. The last time my bank was able to put the money back in. How as of Friday I am waiting to here back from the fraud department of Wells fargo. The banker told me to report them to you.Desired Settlement: They have taken out of my account in Sept: $50.95 Oct. $115.85 Nov: $115.95 and Dec. $180.25

Please have them put the money back in.

Business

Response:

Hello,