iPayment, Inc.

Review: In April of 2012, I called Merchant services to learn how to terminate services. I was advised that I needed to fax a request to close letter with my merchant number and signature. I did so. I have a copy of the fax transmittal dated 4-10-12 that my fax said was completed. In July 2012 I found the company was still charging monthly fees though I had not used their merchant services since April. I called again, spoke with Gail in the closure department was told it hadn't yet been processed and so I waited. I contacted the company numerous times, but was always told it was still processing, never that my request was not received.In May 2012 I called again as they were still charging me monthly for services not provided. I spoke with Sonya and Rosa. At this time I was told they had never received the request to close. I faxed the request again and called to verify receipt. Was told to send a copy of the original fax transmittal. I did so. My fax showed it is "ok". They cited a lack of a code indicating it never went through on their end. I asked that they refund the monthly service fee they had been charging though they had not been providing ANY services. They denied refunding the $1158.40. Now, six months after finally stopping, they have charged me for a PCI compliance fee and an annual membership fee of $49.50 and $64.50 and refuse to refund this as well. They have not been my merchant services provider since March 2012.Desired Settlement: I would like a full refund made of the $1158.40 AND the $114.00. Their own records show that they have not processed any transactions for me since April 1, 2012. What gives them the right to collect funds when no services have been rendered.

Business

Response:

The reference merchant account was approved on 7/14/2011 per receipt of the signed application and agreement. The account was closed on 6/18/2013. Upon reviewing our internal account documents we will accept the provided fax confirmation as proof of receipt of closure form on 4/17/2012. We will refund the requested amount to the account we have on file which ends in 5442.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9865191, and find that this resolution is satisfactory to me.

My only concern is the length of time until IPayment actually refunds the fee. I will be optimistic and hope it is within a reasonable time. Thank you and IPayment for a quick response.

Regards,

Review: I had a small business,using a credit card co.with a low percentage rate per transaction.A rep from ipayment merchant services came into my store and said they could beat the percentage rate and there were no other fees.I then signed on with ipayment for the lower rate.Come to find out there actually WAS a fee.Ive been trying to get the fees back taken out of my bank and cancel due to misrepresentation of the rep.There were 2 fees of $19.95 and another $5 taken out of my bank account,and now I have received a bill for $49.95 from a collection service ("delinquent balance") and Ive never used any credit cards so I don't know what this if for!Desired Settlement: I would like the money taken from my bank refunded, totaling $44.90. 2nd;I would like to know this account was closed and 3rd; the collection notice cancelled.This is totally ridiculous!

Business

Response:

The reference merchant account was approved on 05/23/2013 per receipt of the signed application and agreement. We will refund the $44.90 and advise collection agency of this fee as being paid in full. This account is closed as of the end of business today 12/11/2013.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9836514, and find that this resolution is satisfactory to me.

Regards,

Review: Ipayment inc Placed my accounts on the Terminated Merchant File (MATCH) claiming I broke mastercard rules solely because they were notified I was not Microsoft Authorized. Mr [redacted], of Ipayments possibly inept legal department, told me that they would ignore any evidence of my authorization BUT any evidence of my authorization has to be obtained by me and given to them.. HUH? So I have to prove to you I am authorized but you will not recognize anything I give you showing I am authorized.You are asking me to go above an beyond any company in the world has had to go to gain authorization. Not even Microsoft gives this much issue reselling their items.I sent Mr [redacted] directly to Microsoft's "How to be a license reseller" and it clearly states sign up for the Microsoft Partner Program. I then sent him a link to the Microsoft Partner program License which states we can sell Microsoft technologies. He then claims I could have gotten that from anywhere. Alleged Ignorance is bliss when it comes to Mr [redacted] and his way of doing law.I offered to Pay for his time to show him how he can become authorized. I gave him my Microsoft credentials so he could log into my own account and review my license agreement with Microsoft.. Mr. [redacted] is actively trying to deny any request or evidence and do any due diligence. He also expressed that until his contact from microsoft contacts him and says differently, they will not remove me from match. He will also not supply the info MS has given him and who at microsoft contacted him.. SO again. Mr [redacted] is actively trying to prevent me from gaining the proper information he knows will satisfy his legal issues. Ethics left his plate long ago.Desired Settlement: removal from the Match Database and a retraction letter sent to me on Ipayment letterhead from Mr[redacted] apologizing for putting our name on the match list in error. They also need to release the ~$19,000 they are holding of mine.

Business

Response:

The customer is in communication with our legal department to work out the customer's concerns.

Review: We closed our credit card processing account with Ipayment originally signed with Flagship merchant. The company still had the ability to auto draw any balance due from our bank account. We show all statements paid to the date we canceled the account. Then 30 days later we get a collection letter for $209.71 from a CrediSolve. I called Ipayment on June 23rd the first time and talked to a [redacted] she took my phone number and said she would find out and call me back. I called again July 7th and talked to [redacted] again. After putting me on hold she told me she could not tell me what this was about and I had to call the collection agency. I pushed the subject and she said they no longer had the files and they were sent to the collection agency. How does a company not know why we were sent and what the amount was for? After 3 years of working with them.Desired Settlement: Settlement would be for Ipayment to drop the collections on a made up balance due.

Business

Response:

We have reviewed the customer's complaint and are showing the customer does in fact owe the $209.71. The amount is from an unpaid bill from July 2011. I have attached a copy of the merchant's statement for review.

Review: I signed up for this service a few months ago and after I signed up I realized that there was an 8.00/month charge, so I called the company back and told them that I had made a mistake and did not want a service that had a monthly payment, the gentleman on the phone understood and gave me the steps to cancel my account. (which I did) Last month the company charged my checking account 35.00 after I had supposedly canceled my account so I called and asked them what was up, they said something about prorated charge, I said ok I am fine with that but please make sure my account is canceled. Last week 6/2/2014 this company proceeded to take another 295.00 out of my account without me knowing about it, so I called back and the gentleman said it was a cancellation fee, but I was not supposed to get charged that, so he told me that he would have that money transferred back into my account and we should be all set (in 5 business days) now it is 6/10/2014 and I still do not have my money and I can not get anyone at the company to call me back or pick up the phone, this is a lot of money that I don't have and I need this taken care ofDesired Settlement: I want a 295.00 deposited back into my account with a mailed receipt and proof that my account has been terminated

Business

Response:

We have reviewed the complaint and greatly apologize for the delay in recieving the refund for the termination fee. This fee was credited successfully on 6/16/14. If for any reason you are not seeing the charge please feel free to contact us for any information we can provide to your bank as confirmation.

Review: the contract I entered into was misrepresented by their sales person resulting in nearly $700.00 in charges to my account. My company was approached by their sales representative John Ashenbrener in February 2013.John promised, after reviewing my current processors statement,that they could provide the same service for approx. 3% of transaction.He asked me to run then credit a $100.00 sale so he could get his commission.They charged me $38.00 to process the $100.00 transaction.I complained about it to the rep. who said he would get it taken care of.I never heard another word from anyone.The next month we processed $1041.81 in card charges of which they charged me $114.25 in fees. I called CS to complain again and nothing was done again.On 7/2/2013 they charged my account another $69.95 for some "kilobyte" fee that was never mentioned until after they took the money.I cancelled my contract by fax at their request on July 15 2013 at their request and was promptly charged $350.00.Now 5 months after I cancelled the contract my bank statement shows another debit for $49.50.In short , to process the three transactions(one at the request of their rep)totaling $2041.49, I have paid in total of $673.11. That represents 29% of sales and counting.This can not be legal.How can they get away with it ? What can I do to get my money back? When will these unauthorized charges end ?Desired Settlement: I am seeking a refund be issued to my account for these unauthorized and misrepresented charges.

Business

Response:

The reference merchant account was approved on 2/4/2013 per receipt of the signed application and agreement. This customer has processed transactions on the account through May 2013. Our company recieved the closure request on 7/16/2013 and the account was closed on the same day. We will process a refund of $69.95 as a courtesy for the month of June 2013.

Review: I own and operate a small furniture store. I have used ipayment for almost 2years now. This year we did a high impact sales event at our store which increased our sales. The sales started from February and lasted till end of April this year. We had already informed ipayment about our sales event and that they will see an increase in our transactions. They acknowledged it and assured us that everything will be fine. After march 31st they did not sent us any credit for the credit card transactions we did. When we called we came to find out that we did more transactions than we are suppose to. They have been holding a big amount of credit that I should have received 60 days ago. They still have not done anything about it. Every time we contact them they are responding by saying it will be released tomorrow. Their tomorrow is never coming up. I have a small business and I am almost to the point where I dont have any amount of money to order furniture for my customers because they have not released the payment they were suppose to couple of months ago.Desired Settlement: We need ipayment to release our funds that we worked hard for by making sales in our store immediately. If this matter doesnt get resolved within days I will press fraud charges against them.

Business

Response:

Due to the customer's spike in sales without officially requesting a volume limit increase the funds were held for review. After the review the full amount was released to the customer on 5/15/14.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10050429, and find that this resolution is satisfactory to me.

Regards,

Review: I tried to close my account with this company in January. They said to Fax a form to them and they would close the account. They lost the form and never closed the account. So I attempted again to close my account with this credit card company in February. This time I emailed them an email to cancel my account and made sure they received it. They refused to send me an email stating that my account was closed and said it would take 30 days to close my account. I believe February 19th was the actual date I emailed to close the account. I was told on the phone that I would not be charged again after that date by their customer service but on March 2nd I was charged again a charge of $59.95 even though I wasn't even using their service in February. I had changed to another processor called Stripe before January. They told me that they would send me an account is closed confirmation. Why is it taking them so long to close my account, why don't they confirm I closed my account and why do they keep charging me $59.95 for nothing even after they said over the phone that they wouldn't. If it takes them 30 days to close the account, don't charge me because it takes you forever to close my account even though I am not using your service.Desired Settlement: The thing I want the most is a letter or email in their writing stating that my account is closed and I will not be charged any more. I am not using their service. Why are they charging me as if I was? I would also like them to refund the $59.95 they charged me for nothing. But most of all I want in writing that I am cancelled because I asked them for this repeatedly and its like I am talking to the wall. Thank you very very much!

Business

Response:

Hello,We are sorry you experienced a delay in closure. The account is closed as of today. You will not be billed any further monthly fees. Regarding the past charges, we do have recurring billing as long as the account remains open. Whether you process any cards or not, similar to many other services our there which have a set monthly cost regardless of processing.In summary, your account is closed and will not have any further billing. Good luck in your future endeavors.

Consumer

Response:

Review: 10528558

I am rejecting this response because:

Review: We were in negotiation with a 3rd party, Elite Funding, that opened this account without full authorization on our behalf. We decided the service did not meet our needs and opted not to pursue. Elite went ahead and finalized this with iPayment without authorization. For 2 months they have been taking fees out of our account for services that are not authorized. I have called, emailed and faxed both companies. iPayment tells me that the only ones that can close the account are Elite Funding and Elite will not respond to repeated requests to reverse what they have done. iPayment is the company that is taking the funds out of our checking account, they are the ones who send me the deduction list. Yet they cannot close an account that was not authorized in our name. The name on the account is Carson Dental and Cosmetics and the number is 4223696xxx-xx-xxxxDesired Settlement: I want the account closed immediately and I want the fees of $22 and $101.95 refunded. I want a communication to the fact that the account is closed and I want communication as tho when the refunds are issued.

Business

Response:

The merchant

account was approved on 04/29/2013 per receipt of the signed application and

agreement. The merchant did place a call to iPayment regarding closure on

05/16/2013. The merchant was referred to Elite Merchant Group as they handle

the closing procedures for the merchant account. A closure request was received

by Elite Merchant Group on 06/13/2013 and the merchant account was closed on

06/18/2013. A refund will be processed to the merchant for the April 2013 and

May 2013 month end fees totaling $123.95. iPayment does not know of any further

issues with the merchant account. The merchant account remains closed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9591763, and find that this resolution is satisfactory to me.

Thank you for your help, it is frustrating when we have to go this route but I am happy to finally have a closure.

Review: In March, of 2014, I did some research and found iPayment, INC was one of top Credit Card Procesing out there. So, I contacted them and told them that I won't start my business till Nov, 2014 and asked them if it's okay open the account now or later. They tell me that I only be charged on what I use. If you do not have transaction, it won't be charge. I called on April again and told them DO NOT Charge till Nov, 2014. But, Recently, I found that they withdrew the charges without my authorization even I did not have any transaction. I called in Sept. They told me that's month fee. The charges were appeared as "BANKCARD MTOT DISC 55", Not "Ipayment". I thought it was bank monthly so I missed initially. 3/3/2014 - 41.284/2/2014 - 41.2905/05/14 - 12.95 ------------- It seems they lower the monthly6/2/2014 - 141.95 ------------- I am not sure why so high7/3/2014 - 42.958/4/2014 - 42.959/3/2014 - 42.9510/3/2014 -- 42.95==================Total: 409.27I still have all of my bank statements to approve this.Desired Settlement: Please refund me 409.27 that was been charged.

Business

Response:

I have reviewed the customer’s complaint. The customer’s account with us 2/12/14, per the original application the monthly fees would be $12.95. The customer began seeing a $30.00 non-action fee since the mandatory PCISAQ (Self-Assessment Questionnaire) had not been completed. I am also showing the annual PCI compliance fee was charged of $129.00. The merchant’s account has been closed and no other charges are due and as a courtesy we are agreeing to refund the $129.00 PCI annual fee. The refund will be credited directly back to the account on file within 5-7 business days.

Review: In the summer of 2013, I started receiving letters from iPayment Inc. regarding an account for SW Events Planning (Account# 42[redacted]70). I assumed it was junk mail. Then I received a letter dated September 5, 2013 stating I owed $65.00 for services rendered. According to the letter, the amount consists of August 2013 monthly fees plus a $25.00 return fee. Since I had no dealings with this company, I call the 800 number listed on the letter and explained the situation. I was told by an iPayment Inc. representative the company had no record of the account listed on the letter and I would stop receiving the letters. On November 30, 2013, I received a letter dated November 22, 2013 from CrediSove ([redacted], Collection Representative), which is a collection company stating I have a delinquent balance of $151.35 owed to iPayment Inc. I have not ever requested the services of iPayment Inc. and was told by the company there was no record of the account. Therefore, I do not owe any fees the company is requesting payment for.Desired Settlement: I would like iPayment Inc. to settle this issue by doing the following:1. Remove and close out the fictitious account for SW Events Planning (Steven Williams)from their records and note no money is owed on the account.2. Notify CrediSolve no balance is owed for SW Events Planning and to stop the collections process.3. Send a letter to me (Steven Williams) stating the account for SW Events Planning is closed and there is no balance owed on the account.

Business

Response:

The reference merchant account was approved on 07/29/2013 per receipt of the signed application and agreement. We will notify the collection agency to waive the above mentioned amount and the account will be closed at the end of business day 12/2/2013.

Review: I have a long list of complaints about IPayment. They contacted me about using their services claiming there were no contracts and that the terminal was a free terminal. They were fully aware thata my business would not open until March of 2012, and they started charging my account in February 2012 without my permission. That's also when I found out I was locked in a 3 year contract. One year later IPayment calls and says I am respnsible for paying $200 for insurance on the terminal that is suppose to be free in case it gets damaged. They still reiterated that the terminal was free. They also told me because I paid this insurance, I would receive a portable reader which I never received. Then in May of 2013 my terminal fell and broke. I called several times trying to get a new terminal. I was transfered to Global Solutions which would not answer my calls. I had no way of taking credit cards and couldn't get any help. I finally switched to square in June 2013. I've called IPayment over and over to cancel my account. In the mean time, they are charging me $74.95 monthly which isn't right. I called over and over trying to cancel. The lady that handles canceling accounts was supposedely not ever there when I called and would never return my call. Finally, when I got through to her in August, she told me it would be $250 to cancel my account and $499 for the terminal which was suppose to be free, plus I paid for insurance for it! I have been lied to from the beginning from this company about the contracts and the fees. They broke my contract by not being honeast, and not answering my calls and getting back to me about my terminal. I should not have to pay $250 for canceling my contract when they haven't held up their end of the contract. I shouldn't have to pay $499 for a terminal that was suppose to be free especially when I paid for insurance on the machine. I'll send the machine back. I'm sure they could fix it.Desired Settlement: I would like a refund of the $74.95 that I was charged for July, August, and September. I also want out of my contract since IPayment lied and broke their end of the contract. I refuse to pay $499 for the machine and $250 to end the contract. They have been extremely rude and made it clear that they didn't care about me or holding up their end of the deal.

Business

Response:

The merchant account was approved on 02/03/2012 per receipt of the signed application and agreement. All fees billed were disclosed via merchant agreement and month ending statements mailed to the address of record. The early termination fee was disclosed on page 3 of the signed application. As a courtesy iPayment will waive the early termination fee and close the account per this Revdex.com correspondence. A refund will also be processed back to the merchant’s checking account for the July and August 2013 month end fees totaling $149.90. September 2013 fees were not billed to the merchant’s accounts as all month end fees are billed at the end of the month. With regards to the equipment piece the merchant will need to work directly with their independent agent office [redacted] to resolve this matter at 800 918 6409. iPayment has also sent notification to [redacted] to contact the merchant with regards to their concerns.

Consumer

Response:

Review: 9713542

I am rejecting this response because:

Regards,

I accept Ipayment and Merchant services letting me out of my contract and refunding the fees, but I have tried to call Global solutions over and over about the machine and can't get a response. I shouldn't have to pay for a machine that was suppose to be free, and I would love to send it back, but can't get anyone to call me back or talk to me.

Thanks

Review: I was charged 199.00 early termination fee from this company..I was never advised that there was going to be an early termination fee charged to from this company this stems from a company called My Business Venture and had a compliant through them also...I was lied to all around from both of these companies. there person I spoke with at My business venture was Jason Becker and the person that I spoke to at I payment is a person named [redacted]Desired Settlement: I would like to have the 199.00 refunded back to me ASAP not have to wait for any time frame they took this money out of my account illegally.

Business

Response:

We have reviewed the customer's complaint and do show that fee was waived in the contract. The fee was credited back to the customer on 11/3/14.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10283046, and find that this resolution is satisfactory to me.

Regards,

Review: I had recently downloaded an app on my Iphone for credit card processing, so that things may be a bit easier when selling t-shirts at my local flea market for an upcoming weekend. I requested information and immediately got a phone call in return. After setting up an account I had to wait numerous weeks to get approved and by the time I did get approved my saturday morning of selling t-shirts we over. so the services of this company were not AT ALL needed anymore.I recently got a call from my bank stating that a monthly fee of 10.90 had been taken out of my account. I called the company and had the amount refund and when asked about closing the account I was given a number to call to close it. NO ONE had said anything about a cancellation fee of 300.00. when I called to cancel I was told it was not possible cancel without paying a 300.00 cancellation fee. I told Anthony Herrera that I never got a chance to even use the service for what it was needed for, and that the service of the company was not needed. He insist on me continuing with the company, or paying 300.00 to cancel my account. He was very polite at first stating that they wanted me to use the service. Once I said I do not need it nor want it, he became very rude stating, "well I don't want to cancel this account for free" I asked to speak to a manager or someone from the corporate office and was told I could not because, "they are not just sitting around waiting to talk to you." I asked for a copy of this "contract" that was said I signed that states I have to pay 300.00 just to cancel, and I did not receive one. I logged into the Iaccess.merchant-info.com account seeking a copy of the contract, but only thing on it were terms and conditions for the website its self. I am afraid I will possibly be charged for logging in as well by what I read in the terms it says I have 30 days to cancel that account, so I am hoping that is free because I didn't use it. It went straight to a blank page after logging in and reading the terms.Desired Settlement: I would like to close, deactivate, discontinue, and cancel both the merchant account and the iaccess account waived (free of charge.) Due to the fact that I did not (and do not) want a chance to use any of the services. I did not Receive any equipment only billing letters and a thank you for enrolling letter. I just want the cancellation of this account to be waived, and for them to no longer be able to take money from my bank account.

Business

Response:

We have reviewed the customer's complaint and will close the account without any Termination Fees. We will also ensure iAccess is cancelled and that no charges are put through for logging into the website. I am also showing May's month end billing for $10.90 did reject. Since this amount is currently owed we have agreed to waive the balance, the customer now has no balance owed to us.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10090643, and find that this resolution is satisfactory to me.

I would like to know is there anything else I must do in order to close the account.?

Regards,

Review: On October 8, 2013, we had a sale for $3,535.10. On March 13, 2014 we were notified by our bank that money was taken from our account for this particular Chargeback. We immediately replied to Merchant Services. The Chargeback was initiated by American Express because they claimed that this transaction was not given an authorization code. We immediately replied to Merchant services by providing a response and a copy of the PROPER AUTHORIZATION CODE. We have been given many excuses why this amount has not been paid from they made a mistake to their processor made a mistake. The fact is our machine provided us with an AUTHORIZATION CODE and the transaction was processed legally and correctly. American Express came back 5 months later on this transaction!Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like the chargeback reversed in my favor and a credit applied to my account for funds unrightfully taken.

Review: I went to process a couple credit cards on the 1st of Feb. They wouldn't go through so I called Merchant Services Direct. They said they can't process any long on my machine( which they set me up with 2 years ago. They claim I have to buy a new machine at the cost of around $500. Not only that but the lease they set up for me through Ladco which I still have 11 months on my contract still has to be paid for even though I can't use the machine. I spoke with Ladco and they said they paid them for the machine in the beginning, so in turn Merchant Services Direct already got paid for the machine. Plain out stealing!! I feel since they have messed me over, they should pay my lease, not me. I believe that a contract goes both ways. I set up with this company and the lease company they set me up on for a 3 year contract, I believe they should have honored that contract. You don't just one day tell me, without warning, that the machine I have will no longer work. What is worse, they could have potentially made me lose thousands of dollars if we had been at one of our Home Shows at the time where most the money we bring in is through credit card processing. They didn't even warn me. In light of the way they have treated me I have cancelled my account and will not pay them another dime. I also believe that they need to pick up the tab for the rest of the leasing contract as I can't use that machine. My feelings on this is that they stand to make a lot of money but messing over their customers and I am not paying them any longer. I have never done a complaint and wish I never had to but this one is thievery!!! I will not pay any early termination fee as they did not fill their contract with me.Desired Settlement: I want Merchant Services Direct to agree they have messed me over and void my contract with them. I also want them to pay off my lease to Ladco as they have already been paid from Ladco for the machine that I can no longer use. I know speaking with various people at their company they keep claiming that they didn't know this was going to happen either. That may be will and good but that is not my fault and the financial burden should not fall on me, it should fall on them, we had a contract!!!

Business

Response:

The customer's account was opened 12/28/11. The customer was leased a WAY System terminal through LADCO, a third party leasing company. Unfortunately WAY System has closed down and all terminals linked to them have been deactivated. This is out of our control and since it is an inconvenience to our customer we are able to send out a loaner terminal free of cost while they wait out the remainder of their term. If the customer chooses to cancel their account after 12/18/14 we can close them without a terminal fee and will need the loaner terminal sent back.

Business

Response:

If the customer is unwilling to take the offer of a free terminal and wait out the remainder of the term, we can close the account without an early termination fee ($250.00). We would need a closure request filled out authorizing the closure of the account. That is all we can offer. We will not be covering any of the leasing costs, that is a separate contract with a different company all together.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9917200, and find that this resolution is satisfactory to me.

Regards,

Review: My merchant account with Ipayment Inc is 4[redacted]013760. I had credit card payment processing services with Ipayment INC. I refunded a transaction SEQUENCE/CASE#:[redacted]75 Transaction date 03/08/13 CHARGEBACK AMOUNT: $400 amount Reason given for chargeback: Code 483 - FRAUD-CARD ABSENT ENVIRONMENT. Ipayment did not notify me and debited $400 from my business account. I did not recieve a letter or email. Ipayment does not notify its customers. My bank account now is overdraft negative -$400. Besides that they will take 3-5 business days or maybe more to resolve this . This is not enough since my account is negative. I faxed them all proof that the chargeback dispute is invalid. I showed proof of delivery for two Google Nexus 7 Tablets. and Yet they do not show they will resolve this immediately.Desired Settlement: I want my bank account back to normal and a refund for overdraft fees $35.

Business

Response:

The merchant account was approved on 02/18/2013 per

receipt of the signed application and agreement. Per the terms and conditions

of the agreement the merchant is responsible for reimbursement of all transactions

processed that become cardholder disputes. The merchant was sent an email

notification on 05/13/2013 to the email address on file [redacted][email protected]

advising of the cardholder dispute, amount, reason and debit. A response has

been sent to the issuing bank of the cardholder dispute and is currently

pending. The merchant can contact iPayment directly if they have any questions

or concerns.

Review: Operated my business as Discount Golf, [redacted] Wheeling Ave, Glen Dale, WVa 2[redacted]8 and had a contract with this compant to process credit card transactions. Company withdrew money from my checking account after my contract with them had been cancelled. My account was made inactive in Dec of 2012 and closed 4/22/2013. Equipment was returned and I was told account was successfully closed and no more fees were owed on the account. Dec 31st 2 withdrawls were made from my checking account. Have called 3 times to have the money returned to my account and am tired of getting the runaround!!Desired Settlement: $114 that was withdrawn from my account!

Business

Response:

As promised the merchant will be refunded the full amount they were charged. They called in 2/26/14 and were verbally told this information as well. The refund will be in their account within 3-5 business days.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9944891, and find that this resolution is satisfactory to me.

Regards,

Review: I had made a major mistake signing up for this unjust company. This company legally steals money and somehow gets away with it. I've been selling computers and accessories online via Ebay and had established a successful sales history. I then decided to accept credit card payments and that's when I encountered this fraudulent company. I, unaware, didn't conduct a research about this company and didn't know I was heading towards a trap hole.I am a new customer for this company and had sold my computer products on eBay with iPayment processor. I patiently waited a week for my money to be transferred to my bank account and still haven't received a penny. I called the company, their first excuse about the restriction on the account was because I had to send them tracking information and invoices regarding the transactions. After doing so, I called them again and still haven't received my money. So then I called again, then they came up with another excuse that each credit card sale must average $150 per transaction. The products that I had sold were $220 each, which was fairly close to the specified amount. Then once again, I called the company and they told me I couldn't sell my items. I had sold a couple of Apple Cares*, which are basically warranty for Apple computers. Their excuse was that I wasn't allowed to sell warranty. Anyways they keep coming up with these regulations just to keep hold of my money. I, out of frustration, had asked them to send me the Contract agreement to see where these rules and regulations had been generated from. I didn't find anything on my contract that mentions what they had asked me for.I was able to provide everything they had asked for.Desired Settlement: Everything they had asked for I was able to provide. They just want to hold my money for no apparent reason. I have provided them with sale invoices. I had sold products averaging around $150. Lastly, I had asked them to send me the contract to see where these rules and regulations were coming from. All I'm asking for is to settle the transactions and send the money to my bank account. I had already sent the items to my customers, but I still haven't received my money... This is a fraud.

Business

Response:

The merchant account was approved on 06/20/2013 per receipt of the signed application and agreement. The approved limits on the account were set to a $3,000.00 monthly volume and a per transaction amount of $150.00. On 07/17/2013 the merchant processed 4 transactions on the same card totaling $876.00. Funds were held per the terms and conditions of the agreement. The merchant was processing transactions well above the approved per transaction amount. The merchant was advised to send in documentation of sales for review. After further review of the transactions, the merchant was advised that credits would need to be issued back to the cards as iPayment would not be processing the transactions. The merchant was also advised the account would be closed. Certain information of the business was omitted from the initial application. Specific reasons for the closure of the merchant account and holding of funds were given to the merchant. The merchant will need to process refunds for the transactions or funds will remain on hold for 180 day review. The merchant can contact iPayment directly should they need assistance running the returns. A copy of the signed application will be mailed to the merchant for their records.

Consumer

Response:

Review: 9635259

I am rejecting this response because:

Review: Deceptive and unfair billing practices. My April 30th statement included a fee called "Additional Fees" for $30. There was no explanation of what this fee was related to, or why I had received it. When I called customer service to inquire about the fee, the representative told me that the fee was assessed because of a notice on the bill itself called "Urgent Compliance Reminder," which required that I go to a website (https://compliance.merchant-info.com) and fill out information, otherwise I could be assessed a charge. I made two observations. First, we did not use the service during the billing month. I explained that, since we did not use the service, nor was there any way that anyone else could have used the service, we should not have to pay the fee. Second, and more important, nowhere did the statement say that the $30 charge we were assessed with the name of "Additional Fees" was connected to the "Urgent Compliance Reminder" which contained no description of exactly what charges could be assessed related to it. For my May 31st statement, I was again assessed "Additional Fees" to the tune of $69. Again, no indication of what the fee was related to on the bill.Here is how I think this should have been handled. Because I retrieve my statements online and do not receive them by mail, I should have been called and made aware of the PCI compliance requirements, and been sent an email and/or letter in the mail stating that I needed to become compliant or I would see a charge of $30 as of a certain date, escalating thereafter. Even better, if I did not certify compliance, the company should have simply stopped providing the service to me rather than charging inexplicable fees that I had to call to find out what they were related to. Lastly, I'm uncomfortable with the fact that this company thinks it can assess charges at whatever time it wants, just because the statement includes language like, "charges can be assessed / increased any time."Desired Settlement: I would like a full refund of $69 + $30 for "additional fees" assessed in April and May of 2013, respectively, to my the organization I work for: [redacted]

Business

Response:

The merchant account was approved on 05/29/2008 per receipt of the signed application and agreement. All fees billed were disclosed via month ending statements mailed to the address of record. Reminders were sent out on every April since the account opened advising the merchant of the PCI annual compliance fee billed in May. The merchant is responsible to adhere to their complaint status at all times per the credit card association’s regulations whether there is processing or not within a given month. The merchant was also notified of the importance of completing the compliance certification on every month’s statement. As a courtesy iPayment will refund the $30.00 non action fee assessed in June. The merchant is still responsible for the PCI compliance fee as the annual fee is billed for the prior year (May 2012-May 2013). The merchant account is now closed. iPayment does not know of any further issues with the merchant account.

Business

Response:

The merchant account was approved on 05/29/2008 per receipt of the signed application and agreement. All fees billed were disclosed via month ending statements mailed to the address of record. Reminders were sent out on every April since the account opened advising the merchant of the PCI annual compliance fee billed in May. The merchant is responsible to adhere to their complaint status at all times per the credit card association’s regulations whether there is processing or not within a given month. The merchant was also notified of the importance of completing the compliance certification on every month’s statement. As a courtesy iPayment will refund the $30.00 non action fee assessed in June. The merchant is still responsible for the PCI compliance fee as the annual fee is billed for the prior year (May 2012-May 2013). The merchant account is now closed. iPayment does not know of any further issues with the merchant account.