iPayment, Inc.

Review: This company sent me a bill for $131.90 for services I did not use. Now I am in collections and reported on my credit report. I discussed with the company and was originally told that I would not be charged for service because never used. The lady emailed accounting and told not to bill.( to cancel all charges and write off)The next month received bill called again and was told what the charges were for. They told me I cancelled however still owe. I also called the merchant credit verification for frauds. This company told me there was no account under my business name or myself. The company mentioned the I payment would let them know when there was an account set up.Never again heard from them either. I never was told any billing amounts when I signed up. I know that this was a scam and will not pay for services cancelled and never used.Desired Settlement: To get the collection off my credit report and a letter of canceled collection. Also, company to send correction of no money owed.

Business

Response:

The merchant account

was approved on 08/22/2012 per receipt of the signed application and agreement.

The merchant placed a call to iPayment on 12/19/2013 regarding closure. A

closure request was received on 12/20/2013 and the account was closed on

01/02/2013. The merchant was advised that the December 2012 month end fees

would be waived. However, she continued to owe the November 2012 month end fees

as her bank rejected the debit and did not pay the November balance. The

merchant is responsible for all fees assessed as the account was maintained,

monitored and services by iPayment. A copy of the signed application will be

mailed to the merchant for their records.

Consumer

Response:

Review: 9547523

I am rejecting this response because: the bill again fees were not correct. I was told the first time that I owed nothing. Also, the card they tried to charge on was changed due to hacking activity with the bank. I notified them of a new card. Also, closed the account before billing date ended. Took 2 weeks to close completely? I refuse to pay for their errors. Also, again the bill was with amount of 85.00 for fraud which again the security company never received my account to process the compliance. The security company told me no record for my account on file. I was told to wait until I was notified to make the compliance. This company did not disclose any amount of charges I would receive. I was only told and charged 17.95 monthly. Then I received a bill for 131.30 say What? They are crooked no disclosure I signed regarding these amounts billed.

Business

Response:

A checking

account needs to be on file at all times. The merchant did not notify iPayment

of any changes to the bank account on file. All fees billed were disclosed via

signed application and agreement signed. The merchant is responsible for the

November 2013 statement fees as a signed closure request was not received until

12/21/2013. The PCI complaint status needs to be adhered to by the business at

all times. The merchant was given notifications on every months statement

reminding of compliance certification needed. As a courtesy iPayment will also be

waiving the November 2013 month end fees of $131.90. iPayment does not know of

any further issues with the merchant account.

Review: I canceled my memberships by phone and by fax on January, 6 2015. I spoke to a woman named [redacted] who informed me that my account will be canceled effective immediately, however, there will be a small amount due for the partial month's service, which will be charged in February. I was charged $12.04 on February 3, 2015, as agreed. I was then charged (still processing) $50.90 on March 2, 2015. I called the customer service number to inquire about the charge. After speaking to a representative and a supervisor, they claimed to have no knowledge of me requesting a cancellation, and said that I was lying about ever calling. They refused to refund the $50.90 and could not give me an explanation as to how they came up with that arbitrary charge. I sent a second cancellation request via email and fax on March 2, 2015.Desired Settlement: After speaking to the supervisor and being called a liar, I contacted my bank to put a stop payment for the $50.90, as it was still a processing charge. I am submitting this request proactively, as I expect the company to attempt to charge me again and/or send a collection notice. I would like to insure that my account is showing as closed as of January 6, 2015 and that I will not be charged again.

Business

Response:

Hello,We are sorry you have experienced a delay in closure. Upon any discussion on closing an account we would ask you send in a written request (or closure form) to have your account closed. With any company, when sending correspondence you should always follow up and ensure your request is being received or processed in order to avoid further fees.There are notes further speaking with you about closer this month, the account is being closed today 3/10/15. The balances owed are being waived.Please call the phone number on your merchant statement for any questions.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10507817, and find that this resolution is satisfactory to me.

Regards,

Review: Two years ago, I was looking at different merchant services accounts to find a better rate, I came accross ipayment and called. I was told I had to fill out a credit report to be given best rates and to see if we qualified.I continued my search and decided to go through our bank with their merchant services account. I never activated an account with ipayment, never used this account and I wouldn't know how to use it.Today, 2 years later, I received a statement from ipayment showing -$62.95 so I called to see what this was. I was told this was the monthly service charge taken out of ourr bank account. So, every month, for the past 2 years they have taken this amount from our account for nothing!Desired Settlement: We want a complete refund of every cent they removed from our bank account.

Business

Response:

We have reviewed the customer's complaint. We are showing the customer's account was opened 4/23/12 and we are showing the customer never contacted us regarding closing the account until 9/11/14. We have received the closure request and are currently processing it. We are unable to provide any refunds at this time, however if the customer has any type of documentation of a closure request being sent in prior to the date above we can review that for refunds.

Business

Response:

We have reviewed the complaint. We are not showing that the customer used the account, however we do send the debits on a monthly basis accompanied by a merchant statement showing the breakdown of all fees billed and our contact information. We are unable to refund every charge the customer was billed since we did not receive a closure request until this current month. I have received approval to refund the last 6 months of charges totalling $377.70. This will be available in your bank account in 5-7 business days.

Consumer

Response:

Review: 10217664

I am rejecting this response because:

We reject this offer, ipayment took $1816.01 out of our account unlawfully. We want it all back.

Review: I was in the process of opening a second merchant account with NPP for a second business I was starting. I decided to go with "The Square" and called my point of contact to cancel the process. In May 2013 I received a bill for $22.40. I immediately called the company and was told the account would be closed and the funds reimbursed. I received a second bill for the same amount in June 2013. I called again and was told the account would be closed and the funds reimbursed. I received a third bill in July 2013 again for the same amount. I called and am now being told the funds will not be reimbursed. I never gave them my banking information for the second business. They have been taking funds from my primary business's account which I never authorized. A total of $67.20 was taken out of my primary business account without authorization.Desired Settlement: $67.20

Business

Response:

The merchant account was approved on 04/10/2013 per receipt of the signed application and agreement. On 05/10/2013 the merchant placed a call to iPayment with regards to closure. The merchant was referred to their independent agent office National Payment Processing for closing procedures as they handle the closure. The merchant called on 07/10/2013 again and was referred to their agent office for assistance with the closure. On 07/11/2013 National Payment Processing submit a request to have the account closed. The account is now closed as of 07/12/2013. As a courtesy iPayment will submit a refund for month end fees billed from April 2013-June 2013 for a total of $67.20. Should the merchant have any additional questions or concerns they can contact iPayment directly.

Review: I signed up to collect credit card payments for Conference Registrations and was approved. Started to process payments online. Then MArch 7, 2013 or so I got a call from there Risk Dept. I explained what I was doing and sent information over that they requested. They stopped depositing the money that was charged and began to hold it. They said they needed to confirm the charges with the cardholders. All along more charges are being processed. Three weeks go by and they then tell me I can't process cards thru them anymore. I hurry up and pull online processing down while I look for another merchant to process. In the mean time the $4,000 dollars that were processed are still being held. Now it is May 1, 2013 and there are still holding the money. First they tell me it will be April 1, 2013 that we will deposit then when that did not happen I call and they tell me it will be 6 months. Please help in anyway you can ThanksDesired Settlement: I would like the outstanding money deposited into my account like they were supposed to do.

Business

Response:

The merchant account was approved on 02/19/2013 per

receipt of the signed application and agreement. The approved limits on the

account were $10,000.00 per month and a transactions amount of $200.00. Funds

were held on 02/28/2013 the merchant processed a transaction for $1,800.00 well

above the approved per transaction amount. The merchant was asked to send in documentation

and verification of sale. After further review it was determine that certain

information was omitted from the merchant’s application. On 03/08/2013 the merchant

was advised that iPayment could not work with the sales and that returns would

need to be issued. The merchant was

given specific details for the funds being held. The merchant called again on

03/21/2013 and 05/01/2013 and was advised again that returns would need to be

processed or funds would remain on hold for 180 days. The merchant can contact

iPayment directly if they have any further questions or concerns.

Consumer

Response:

Review: 9528235

I am rejecting this response because:

Review: On June 01, 2010, I entered into a 3-year contractual agreement with Card Payment Solutions and its affiliates. I successfully completed my 3-year contractual obligation with Card Payment Solutions and its affiliates and terminated the contract on June 14, 2013 pursuant to its termination procedures outlined in the contract. The contract agreement closure was verified and confirmed verbally by Matt in their customer service department on June 23, 2013. In addition, Matt stated that since the contract was successfully closed that there will not be any additional fees nor charges associated with this contract. My reasons for filing this complaint is because on December 31, 2013....6 (six) months after the successful termination of my contract agreement....IPayment, an affiliate of Card Payment Solutions, sent an ACH debit to my bank in the amount of $113.00...$64.50 for a PCI Compliance Fee and $49.50 for Annual Fee. I did not authorize a bank deduction for these fraudulent fees because my contractual agreement and obligation with Card Payment Solutions and its affiliates ended on June 14, 2013. Their request for these fees after a contract has been successfully fulfilled and terminated is unethical not to mention illegal. I contacted Card Payment Solutions and spoke to several customer service representatives about the fees. I was told by Joanna in their customer service department that they keep your banking information up to 6 months after your contract has been terminated....and if you close your bank account that they will send the fees to a collection agency. This explains how they are able to steal money out of unsuspecting businesses account....which is illegal.The end result is that I filed a fraudulent activity charge claim with my bank regarding the fees. In addition, I incurred additional fees associated with having to take this route to prevent this company from stealing from me again. This company and all its affiliates should be under investigation.Desired Settlement: I am requesting a refund for the following items:$113.00....breakdown: $64.50 PCI Compliance...$49.50 Annual fee$68.00 NSF fees$30.00 stop payment on ACH DebitTotal $211.00In addition, I want them to send me an official contract closure letter stating that they will never attempt to debit my bank nor send any fees or reports to a collection agency and credit reporting agencies. CC: Texas & California State Attorney General offices, Federal Trade Commission, CardPaymentOptions.com

Business

Response:

The reference merchant account was approved on 06/9/2010 per receipt of the signed application and agreement. The account was closed on 6/14/2013. We will process a refund of $113.00 as request. The account will remain closed and there will not be any further billings.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9858958, and find that the refund resolution of $113.00 is satisfactory to me.

Regards,

Review: After having undergone an audit on our business account, we found that Flagship Merchant Services failed to comply with an Account Closure Request dated 5/29/12, and continued to charge our account a total of $2,461.65 after cancellation of our contract. This includes undisclosed "Additional Charges".Desired Settlement: Flagship Merchant Services (now iPayment) to cease and desist all future charges to my account. Flagship Merchant Services (now iPayment) to confirm in writing that the account and all charges have been terminated. Submit refund in the sum total of $2,461.65 within 30 days of claim for restitution submitted on 12/15/14.

Business

Response:

After reviewing this concern, we have determined a total of $2,125.95 was charged after a closure form had been submitted in May 2012. This amount has been approved to be refunded and the request has been submitted. In addition, this account was closed on December 13th 2014.

Review: We temporarily used a company called Ipayment for credit card processing (only about 2 or 3 months), due to the fees and untimely manner in which they handled the transactions we switched our service back to Bank of America. We have not had a machine from them nor have we had any transactions processed through them since May 2012. We have been getting billed by Ipayment for 94.89 per month for approx 26 months for processing credit cards that we weren't sending through them, our processing was being done by Bank of America. We had to close our current checking account and reopen another account so they would not have the information on our company to continue this billing. We called and spoke to the manager at Ipayment, and he was very rude, insisting that we told them to reactivate the ipayment acct, which we did not because we continued to use Bank of America for processing. On August 19, 2014 we received a letter from a collection agency for the last bill dated in July 2014 for amt due, stating that we owed them for this amt and the account was now closed. Ipayment told us we had their credit card machine, which we do not have. We feel that they owe us due to the billing of a service that we did not use, but they intend to collect from us for the last bill in July of 94.89. The manager, as previously stated was very defensive and yelled into the phone and did not solve any problem at all. He even went to the extreme of telling my husband he was acting like a 4 year old! As you can see, they were very professional.. We would appreciate any help at all with this matter, we are a small business and are struggling in this economy without the help of people like ipayment. At the very least, they could deduct the value of a simple credit card machine which was sent back(around $200-$300) and refund the monthly fees of 94.89 that were charged to us in error.Desired Settlement: We feel that we should receive a refund from Ipayment in the amount of 94.89 per month for approx 26 months. Both my husband and I thought that these fees were from Bank of America, however, when we called them they said they had no idea who Ipayment was, and neither did our own bank. Therefore, we researched and called Ipayment telling them the issue. We would also like the 94.89 that they billed us to be removed from any collection actions, since the fault is with Ipayment and not us.

Business

Response:

We show this customer’s account was opened 8/14/12 and closed as of 7/25/14. The customer did process transactions through the merchant account, and did indeed call in on 10/31/13 to reactivate the account after we had closed it due to non-payment. After the collection was cleared we re-opened the account and refunded the $250.00 Early Termination Fee. We were able to collect fees until the last billing in July when the account was closed again. The customer is now responsible for paying the Early Termination Fee if the account is to remain closed. We are unfortunately unable to put any refunds through on the account due to no previous requests to close being sent in. If the

customer has a written closure request we are asking they sent in a fax or email confirmation for review.

Consumer

Response:

Review: 10198508

I am rejecting this response because:

I have the statements from I payment for those months and there was only a 94.89 chg from them and I saw no credit card processing on them. Why would I pay two different companies to process my credit card transactions? I also have statements from Bank of America showing the credit transactions that were processed through them during the same time.

Regards,

Business

Response:

We are not denying the customer has been charged, they have received billings monthly while the account. The customer was aware the account had been closed and called in to re-open the account with us where it has remained open until the bank account was closed. Prior to that we never received a request to close the account, until to re-bill and re-open after we had closed it. We cannot provide any refunds unless some documentation of a closure request prior to the closing date of 7/25/14 is sent in. If the customer does not have this information all charges will stand.

Review: When our account was approved, we made 3 deposits totalling $1,895 (batch date of 12/19/13). A day or 2 later Risk Management emailed saying the deposits had been "identified for screening and will be SUSPENDED until the screening process has concluded." We immediately faxed invoices and customers info to them, as requested. We thought that info would resolve the problem. But a day or so later [redacted] (our account rep, but not supplied with his last name) called and left a voice mail saying he also needed the customer's phone numbers. I left a voice mail with the phone numbers, but he said he never received it. So I again gave him the phone numbers when I talked to him. [redacted] NEVER called the customers to verify their info, nor was he answering our phone calls. We initially talked to David Berghetti, a nice young man who promised us they would not withhold our monies. When we called David to complain that our monies WERE being withheld, he tried to reach [redacted] (in his own company) but [redacted] would not answer his calls, either. Because we were afraid Flagship/iPayment would hold the customers money indefinitely, we requested a refund to the customers online. The refund went through.....probably because it was done electronically, rather than speaking to an agent. After 3 weeks with no response from [redacted] and no word as to how long our monies would be held, we told Flagship to close the account and filled out a form for that request and emailed it to them. After iPayment and Flagship Merchant Services suspended the deposits, they billed us $143.33 for Dec. monthly fees. They basically closed us out of our monies and then expected us to pay for services we could not use, although they WOULD allow us to deposit more monies into the account so, they could hold that as well, and make money off the interest it earned. We demand that they stop trying to collect monies from us that they did not earn because of their unscrupulous and deceitful practices.Desired Settlement: I called iPayments on 1/5/14 around 7:30 pm. They told me to call Ken the next day. I called Ken on 1/16/14 around 3:45 pm. He did nothing but give us the run around and would not answer my questions.We want them to back off and stop trying to collect money that is not theirs. We could not use the account, as the funds were frozen and THEY are the ones who froze the account. How can they possibly demand money for services they kept us from using? But that is what they are trying to do.

Business

Response:

The reference merchant account was approved on 12/11/2013 per receipt of the signed application and agreement. We will waive any outstanding fees and the processing account will be closed by the end of business today 1/16/2013

Review: I was charged a early termination fee of 350,00$ today and was not told about it by the salesman before I singed the contract for a credit card terminal , I told him to not start until two months . THE COMPANY MERCHANT SERVICES I PAYMENT SENT MEN A BILL AND CHARGED IT TO MY CREDIT CARD AND TOOK OUT MONEY and sent me a processing fee. I think the salesman was not honest about the contract before I singed for their service for a wireless credit card terminal.AT & T told me up front about an early termination fee before selling me would like them to cancel the charge and not send me any more bills since I have closed the I payment account and the merchant services account and a like an honest co. should. the I.C.S. account as also closed. Also I think the 3 Companies should be forced to pay me 350.00$ AND RE-CREDIT THE 350.00 TO MY CREDIT CARD A TOTAL OF 700.00 FIR DAMAGED TO MY CREDIT AND CREDIT HISTORY FOR IT WAS FRAUDULENT PRACTICES AND NOT HONEST Product_Or_Service: WIRELESS CREDIT CARD MACHINEDesired Settlement: DesiredSettlementID: Refund I HAVE REQUESTED merchant service's I PAYMENT TO REFUND THE FEAL TYO MY CREDIT CARD AND STOP CHARGING MY ACCOUNT FOR THE 3 CO. SERVICES. also I WOULD LIKE TO GET PAIED 360.00 $ FOR THE DAMAGE TO MY CREDIT HISTORY AND CREDIT AVAILABILITY.I WOULD ALSO LIKE THE 3 COMPANIES TO HAVE THIS REPORTED TO SAY THEY DO NOT DO AN HONEST BUSINESS.

Business

Response:

The merchant accounts were approved on 05/29/2013 per receipt of the signed application and agreement. The merchant was set up with two accounts. One retail and one mail/phone order account. The merchant did place a call to iPayment on 06/28/2013 regarding closure and the merchant accounts were closed as of 07/08/2013. The early termination fee was disclosed on page 3 of signed applications. The merchant is responsible for the early termination fee. A copy of the signed application and agreement can be provided to the merchant upon request. However, as a courtesy the early termination fee will be waived on the accounts. The early termination fees billed on 07/09/2013 were rejected by the merchants issuing bank and did not pay. The collection balance owed for month end fees from May 2013 and June 2013 that also rejected will be waived as a courtesy too. If the merchant has any questions or concerns with regards to their independent agent office ICS they will need to contact ICS directly.

Review: Ipayment (aka Merchant Services) has continued to wrongfully charge us fees. We signed up for their service in 2012. After being charged monthly fees that were twice as much as what we were originally quoted, we finally found a new merchant service and closed our Ipayment account on June 26, 2013. However, Ipayment continued to debit money from our bank account each month. After months of our protests, they finally stopped. Today, we received our December bank account statement. They debited another $99 on 12/31/13 for PCI Compliance. When we called to say we had never charged a single sale through them, and that we had closed our account over 6 months ago, they said they still had every right to debit our bank account, and they refused to reverse the charge.Desired Settlement: Refund of $372.

Business

Response:

The reference merchant account was approved 4/9/2012 per receipt of the signed application and agreement.The customer's account was closed on 8/10/2013. We processed a refund in the amount of $32.95 for July's month end statement fees on 9/24/2013.The July month end statement was the last invoice where we collected fees. We will refund the $99.00 Annual PCI fee as the customer did not process any transaction volume during the calendar year of 2013 as this fee is a compliance fee to ensure our customers are following the security standard in our industry.

Consumer

Response:

Thank you for your rapid response. I have reviewed the response made by the business in reference to complaint ID 9875804, and find that this resolution is satisfactory to me.

Regards,

Review: scam by iPayment, Inc. PO Box [redacted] Thousand Oaks, CA 91359 [redacted]This is switch and bate [redacted]sign you up to accept credit or debit and hold your money for risk assessment reason. I do not know what we were approve for it if they could not pay any of our money.we have not received a penny of our money that my customer paid in good faith since we open account with them . they hold $5000 of newly account they open and tell me to ask my customers to dispute the charges in order to pay me cash. I refuse to do illegal practice my customer paid with their card in good faith and got their merchandise I will not call them to bring me cash because I sign up with crook processing company.ipayment and flagship merchant they together scam small businesses out of their money since they are vulnerable and defenseless. Imagen you open an account in the bank put your money into it and never able to take it back. Flagship merchant open an account to accept visa and master card and debit and ipayment do the processing and collected $5000.00 from my customer and put the account on hold and they told me it's due to risk assessment we have to hold your money unlimited time because of ipayment processor and flagship company my business suffer my merchandise gone and apparently I have no right to claim my money stay away from flagship company and ipayment I have provided ipayment with all my customers receipt& signature and they are happy with their purchase.Attorney general are looking into this practicesDesired Settlement: pay my money they holding about $5000 and pay all fees and expense incur due to their fraudulent practice.

Business

Response:

I am sorry to hear of these issues. To review properly, please provide the merchant account number on your statements. Please also let me know if the account is open or closed and what dates it would have been open or closed. What is the business name? I will need more specifics to review your case and begin to try and resolve the issues.

Business

Response:

Hello,Thank you for providing the merchant account number. Our Risk department determined your transactions cannot be ran with our company. We suggested you to refund the sales to avoid the hold and this issue. Any that were not issued refunds on, we are now holding. Unfortunately the hold is placed for our security as well as yours. Your account was closed as your business does not meet our guidelines. Our Risk department will review for release of any funds held within the timeframes they stated last on the phone with you.

Review: I signed up with this company for credit card processing in early January. They were to set up the Authorize gateway account so we could process credit cards on our websites. They still have not done that. We did get a machine to process credit cards at our flea market. We were told the fees were $6 statement fee, and 1% transaction fee. No other charges. Just got the first statement and we were charged $47.93 to process $13 in transactions. In addition to the 1% we were charged .02 dues & assessments, .36 interchange, .01 license per item, .02 NABU fees for Mastercard. then for Visa .20 interchange , .02 ACQR processor fees, and 2.00 Fixed Network CNP FEE. Then VS OFLN DB .22 interchange, ACQR fees of .02 and Tran integrity fee of .10. Also min iscount of $34.87 and $3.95 regulartory fee and the 6.00 statement fee.I also contacted this company regarding the 2393 processing volume they had on our account and told them it had to be at least $5000. because of the $35 minimum it would cost me 1.5% to process my limit. The person I talked to said the $35 was minimum I had to process (which also looks like a lie). Also processing surcharge of 5% for anything over the $2393. These limits would force us to pay 5% processing fees. This company misrepresents their services, and does not return calls. I am fed up with themDesired Settlement: I would prefer to have the entire contract null and void and return the equipment without any fees of any kind. I was lied to.

Business

Response:

Hello,We are sorry for the misscommunications you experienced during the setup of your mechant account. Upon review of the signed agreement, the fees expressed are listed for your review before signing. The schedule of fees section details what will be charged. Each card brand does also charge fees specific to their network, which we passthrough to you. The Monthly Minimum is the amount of card fees (our rate only) which you need to accumulate in order to fully illiminate the Monthly Minimum fee. The phone number on your merchant statement should be utilized to express any issues in order for us to review to better the services for you. I do not see any records of you calling our call center for assistance.

Business

Response:

Hello,Please contact your agent, the customer service number on your statement or Authorize.net directly and we can get your gateway boarded today. Again, I apologize for the issues experienced so far, we cannot change any of the pass-through networking fees you have conerns about as these are not our fees. These are the Card Brands fees from which we pass through to you.

Consumer

Response:

Review: 10441516

I am rejecting this response because:I still do not have the gateway set up. I called this AM and got answering machine. You also need to tell your reps not to lie. I was told by my rep. Rita that the only charge I would see is the 1% and that all those other fees I see from my other processor would go away. And there was also the $6.50 statement fee. Nothing else. Now I am being told I still have those same fees I always received from my other processor. I also need resolved the issue with the processing limit. This original amount was taken from my other processors statement, which was a very low month for us. If you use this very low limit of $2393 there is no way to get to your $35 minimum monthly discount!! Then I would pay 5% for anything over the $2393!! This is a very deceptive way to do business. I was told this approved processing would be changed to $5000 and they would also lower that $35 minimum monthly discount. Your rep should also disclose that when they come come here to discuss the merchant account. I think I should get a refund on these fees for the time I am unable to use the account due to the gateway not being set up. I have asked several times and it seems that it is a very difficult thing to get done. I am being told they are working on it. AUthorize just needs the VAR sheet to complete the setup. Why should this take so long?I was also told I would not be charged separately by the gateway Authorize.net The charges Authorize.net shows on their website is much much more than I pay with my current account with Alpine Payment Systems.I cannot consider this resolved until all these issues are addressed.

Regards,

Review: Our company set-up an account with Flagship Merchant Services using the RoamPay iPhone credit card swipe device around early February. We are a semi-annual Consignment sale (twice a year). We told this to our account agent [redacted] at the time of set-up to document this as our account will have high activity (dollars) for a few days and then no activity for 6 months. Then, repeat. He assured us that this would be documented on our account. The first sale we had went from Feb. 27 thru March 1. All went very well. Was very pleased with the service and app we were provided. About a couple of months later, we were informed that our account agent [redacted] Sarnese was no longer with Flagship. Our agent was then changed. We got a call from her and she stated that she just wanted to check in. We emphasized again that we were a semi-annual consignment sale with the details of no activity for six months and then a few days of high activity. She said that she understood and would make note on our account. We started our next sale on August 6th. Our sales pretty much sky rocketed in comparison to the last sale (in February/March). On August 8th both swipe devices went down. We immediately called (approximately 24 minute conversation) to troubleshoot. No fix could be made, therefore, we were told an order for new devices would be sent for overnight arrival on Aug. 9. We were also informed that we would not be charged the higher "key in rate". The afternoon of August 8th, we received a call from our "new agent", this time a male who wanted to trouble shoot again. As I explained to him that not only did we have dozens of people in line, my phone was the only one with the app working. Therefore, I did not have time to troubleshoot and to please get us the new swipe devices in FedEx. He hung up. August 9th. No devices arrived. We called and were informed that not only was there no documentation of our phone calls, but also that there was no guarantee of the swipe device arrival. After much conversation (over 45 minutes), it was reported to me that the male agent who contacted me the afternoon of Aug. 8 had put a delay on the swipe devices because I was not willing to troubleshoot the problem. But, as I informed the customer support person, I did not have time to because it was only my phone that the app would work on and we had many customers in line. I simply did not have the time to troubleshoot with dozens of people in line to checkout. She informed me that they could have new devices by 8/13. I said that would not be acceptable as we paid for insurance on these devices and that our sale would be over by 8/10. I was then informed that the shipping would be approximately $50 to have them on 8/10. I argued and said no, this was their fault for not getting us our devices. She argued back by saying they had "no documentation" of our conversations. But, yet, they had documentation of our account agent stopping the shipment of our devices... So, now after much debate, we were assured that we would have delivery of swipe devices on 8/10, first thing in the morning. FedEx delivered them at 11am, 1 hour before our sale closed. Yes, we informed them that we were going to close at noon. Also, we kept checking our current "broken" devices to see if they would work from 8/8 to 8/10. They suddenly started to work at 10:30am on 8/10, 30 minutes before arrival of the new devices. We never even took the new devices out of the FedEx packaging. A week after the close of sale, I receive a phone call from their security department. We were informed that we had been "red flagged" because we went over our swipe limit. We were informed that our original agent, [redacted], gave us a limit of $8,000 a month. That this was in our contract. (1) We went back through every email and we cannot find anything were he informs us of an $8,000 monthly swipe limit. (2) We never would have agreed to this upfront. We were informed that they were going to hold our total customer charges for a minimum of 30 days. Their argument was we had no activity for 6 months and then extreme activity with majority being keyed-in. We argued that the account is documented as a semi-annual consignment sale and that the swipe devices went down (and also shipment delayed). We were told "we have no documentation of this". Finally after taking this to many levels, I got a manager and was threatened that if I didn't back down, he would put another flag on our account and hold our money for 180 days. In fact his specific words were, "Ma'am I can hold your money for 180 days if I want to!" I then begged and pleaded that they release some of the money so we could pay our bills and consignors. That we understood why they wanted to hold onto some money for anyone that would want to contest their purchases/charges. They said they would let some money go through. However, they are currently holding $10,000+. I was also told that if I cancelled the account at any time before the minimum of 30 days, they would "feel the need" (their words) to hold the money for the 180 days and thoroughly review our account. I asked why they were doing this. Again, I was told they had "no documentation" of our account being a consignment sale with the specifics and no documentation as to why we were keying in all these charges. So now, we feel scared to even call and ask if our account is in good standings. We cannot cancel our account in fear they will continue to hold our money for the 180 days. This is forcing us to pay our monthly fees to them. And, if they "feel the need" they can flag us again and we pay even more monthly charges. We did ask about the guarantee for the no higher "key-in rate" billing. And we were told that we would have to argue that when this was all over. With the "no documentation" reason we have been given over and over again, well, we aren't hDesired Settlement: 1. We would like for our money to be transferred.2. We would like to be guaranteed that we will be billed the regular swipe rate and not the key-in rate.3. We want an apology for the rudeness and "no documentation" excuse we were given over and over again.

Business

Response:

The merchant account was approved on 02/08/2013 per receipt of the signed application and agreement. The limits on the account were set to a monthly limit of $8,000.00 and a per transaction amount of $100.00 with a High Ticket of $850.00. On 08/08/2013 the merchant processed a batch for $9,990.00, well above the approved monthly limits. Funds were held per the terms and conditions of the agreement. A call was placed to the merchant on 08/09/2013 advising of funds held and to request documentation needed for the verification of sales. On 08/14/2013 the merchant was given specific reasons for the holding of the funds $9990.00 was released to the merchant. The merchant was advised that the remainder of batches held would remain on hold for 30 day review. On 09/10/2013 all additional funds on hold were released totaling $10,497.18 and the merchant was advised of release of funds. A copy of the application showing the limits on the account will be mailed to the merchant for their records. The merchant can submit a request to have the limits reviewed for an increase. They can contact iPayment directly for procedures. A refund has also been calculated for the volume of transactions that downgraded due to key entry on credit and offline debit transactions for August 2013. A refund for $136.74 will be processed to the merchant’s account on file. The merchant can contact iPayment directly should they have any additional questions.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9700175, and find that this resolution is satisfactory to me. We would like to know when the refund will be issued. Also, no contract was ever emailed to us. It was an online "signing" and was neither mailed nor emailed. We will believe this company is deceptive.

Regards,

Review: 1st Merch BnkcrdSVC C/O Online dataPO Box 3429Thousand Oaks CA 91359RE:Merchant 4[redacted]004878Cramik Enterprises Inc.34 Canal StWesterly RI 02891I am writing to inform you that your decision to charge Cramik Enterprises Inc.$1,586.11 for a service that was not performed is unacceptable.You have been contacted several times and have refused to reverse these charges.To restate the issue: On month date year, a charge for $29,733.86 was presented for authorization, the authorization was given #093790 by your representative.When funds were not received by us an inquiry was made by e-mail dated 4/9/2013,(Copy Attached) requesting payment.We never received the funds. We contacted Joseph on 5/3/13 He said do a void sale. When we did the void sale, the automated response was not processed. Joseph was called on 5/7/13 we were told to contact customer service. Janet in customer service was contacted, she said she could not do a reversal and that to reverse the Transaction a Rekey would have to be completed. and was advised that the charge amount exceeded our agreement. An ARU Return Rekey release form was received by us on 5/17/13. The form was explained as a requirement to reverse charges made by our customer.The form was returned to you.We then asked for credit of the service charge $1586.11 for processing the transaction which was never completed. I spoke to Denise and she said I would have to speak to Joseph. I was transferred to him and told that the money would not be returned due to the fact that we exceeded the amount of our credit agreement. I Then Contacted Joseph in the risk department. His position was the same as Janet in Customer service.A charge of $1,586.11 for a service that was authorized by your organization and not fulfilled is unreasonable if not illegal.A reversal of this transaction is expected [redacted]Cramik Enterprises Inc.34 Canal StWesterly RI 0289###-###-####Registeredcc. Revdex.comDesired Settlement: Reverse unearned charges

Business

Response:

The merchant

account was approved on 04/25/2005 per receipt of the signed application and

agreement. The merchant did process two transactions that were well above the

approved limits set on the account. Refunds were processed back to the cardholders

on 05/10/2013. The merchant is responsible for all fees assessed for

transactions processed through the merchant account as iPayment is billed by

the credit card associations for all items processed. The merchant did place a

call to iPayment on several different occasions regarding the discount rates

billed for the sale and return. After further review the merchant was advised

on 06/18/2013 that the processing fees would be waived. iPayment does not know

of any further issues with the merchant account.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9570058, and find that this resolution is satisfactory to me.

Thank you for your involvement I am sure without your intervention the results would be different.

Review: The initial sales process with Credit Card Processing was amazing. Great personal service. Prompt calls back from a dedicated account manager. Of the 6-7 credit card processing companies I was considering, this company won my business.I set up all my customer auto-charges before the Christmas holidays. Charges were to take place on 1/1/14. On 1/4/14 as I'm expecting my $1765 to cross into my bank account, I receive a notice saying that my funds were suspended until a random audit takes place. I promptly (within 10 minutes) provided them with the requested customer information. 3 days later, I receive no update, no status, nothing. I ask Ryan Mirpanah for a status and he says that the suspension has been lifted and I should receive my funds soon.2 days later and 10 days after the charge...no funds have been released to me.Desired Settlement: I want my money that is due to me.

Business

Response:

The decision regarding the holding of the funds for this merchant is made by the Loss Prevention/Security Team of I-Payment. 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 I-Payment and we have no control over such decisions. According to iPayment, the funds were released to the customer’s checking account on 1/13.

Consumer

Response:

Review: 9871231

I am rejecting this response because:

Review: In 2012 I started a home business and received a letter stating that we had been approved for merchant services with ipayment and that our first sale processed through the merchant account would be our acceptance of their terms and conditions. We had never signed up for merchant services and did not received any credit card payments from any customers so we didn't worry too much about the letter. Due to health problems with my wife the business never took off and we had to put everything on hold. Upon review of our account we saw that ipayment has been charging our personal account monthly since July of 2012. The total amount that they took from us is $1426. My wife called the customer service number and was told that they received our information from MRG Endurance (a sales office) and was given a phone number. She called the number and it was not a good number. She then called ipayment again and was given another number, again it was not a correct number. We I looked up ipayment online I found so many websites stating that this company in known for misleading people and taking money from accounts when they were not authorized, services that were not wanted.Desired Settlement: I want a refund of $1426 as they were not authorized to take money from our personal account and we never used their services.

Business

Response:

This customer's account was opened 06/06/12, they contacted us 03/04/13 for closing procedures as they were aware the account was open. They were advised we need a closure request form to be filled out and sent in in order to stop service. We still have yet to receive this form which is why the account is still open. I attached the closure request form. I will rush the closure upon receiving to avoid additional fees and I will also refund the last 6 months of fees to the bank account on file ending 5435. The total credit will be $449.10.

Consumer

Response:

Review: 9913816

I am rejecting this response because: the amount for the six month refund is incorrect. There were two charges in August and I have attached a copy of my bank statement showing this. I have also attached the signed document to close the account. I do not agree with the response from the company; however, I will accept the resolution if the additional payment is added to the amount to be refunded. Please send confirmation that the account has been closed.

Regards,

Business

Response:

The customer is correct there was an error in billing in August where the customer was charged twice, however this was automatically placed back into the customer's account within 2-3 business days. If they did not receive a refund for the duplicate billing please include a copy of the month's bank statement for review as our records are showing that was successfully credited.

We will agree to refund the customer's request for the remaining months they were charged if they are able to submit proof that they sent a closure request a year ago when they called for closing procedures. Without that documentation we are only able to honor 6 months as courtesy.

Review: In the beginning of December of 2013 I switched my merchant services to Flagship Merchant/ipaymentinc.com. The switch from my old service to Flagship was less then smooth. Flagship made repeated mistakes reprogramming my terminal which resulted in my terminal not working for a small period of time, and rejecting cards I was told it would accept. Those problems did result in my business losing $275 in revenue. After using the terminal for 3 "successful" deposits/transactions on December 5th ($145.62), 6th ($49.11), and 9th ($124.52), I called and terminated my service with Flagship (and switched back to my previous merchant service). Or at least I thought I had cancelled.It is worth mentioning that before my service with Flagship was even up and running, I was charged a $32.95 "service fee", which was not previously discussed with me. Upon calling them to find out what the fee was for, I was not given a straight answer as to what the fee was actually for, and was told the fee would be refunded. But they never actually refunded the $32.95.So after December 9th I no longer used Flagship's service. I had switched back to previous Merchant Service after the last deposit from Flagship posted on December 9th. I thought that had officially ended my relationship with Flagship Merchant as they were longer processing anything for me.This was not the case though. On January 2nd of this year, they withdrew $34.70 from my bank account for what they described again, as a "service fee". Upon calling them to find out what exactly the fee was for, as I was longer using their service, I was told I did not properly cancel my service previously, and I had to fill out "cancellation" paperwork before they could officially close my account. Needless to say I found this unacceptable as I was not using their service, had previously called multiple times to troubleshoot various problems, and ultimately cancel my service with them.Desired Settlement: Upon reading multiple reviews online and checking the Revdex.com's website, I have found out this company is NOTORIOUS for taking undisclosed fees and continuing "service" after service should have been cancelled.I would like a refund in the total amount of $67.65. That is the total of the two "service" fees I was previously hit with.It is very disappointing to deal with a company that lacks this sort of professionalism. It was their bad business practices that lead to me cancelling my service.

Business

Response:

The reference merchant account was approved on 11/13/2013 per receipt of the signed application and agreement. The November month end statement fees of $32.90 will be refunded. The December 2013 month end statement fees of $34.70 are the processing fee associated with the 3 transaction totaling $323.00 which were ran during the month. The account will be closed at the end of business today 1/7/2013.

Review: As an Owner of a small business needing to purchase Merchant Processing for my Customers for the processing of their Debit/Charge Cards, therefore 2/8/2012 I had a Rep. come to my home and explain the offer they had which was PCiPayment Merchant Processing P.O. Box 3**9, Thousand Oaks, Ca.91359, the reason for shopping for a Merchant Processor was due to the one I had becoming so expensive, therefore I purchased PCiPayment since it was less expensive in the beginning as time went by it became quite expensive, therefore in June 2013, I needed to make a change I shopped and found one better, now I have to cancel the PCiPayment act. and have a charge for cancelling the Act. before the Sunset or end of the Act. which I paid it was quite expensive, at this time PCiPayment sent the confirmation stating they had received the Cancellation fee and they would not be withdrawing funds my Act. any longer now Dec. 2013, they have with drawn a PCI COMPLIANT fund in the amount of $129.00. I really have a concern a Co. could charge a Compliant Fee when you have not used their Service since June of 2013, I sincerely feel they have an obligation to notify customers if there will be another Charge forthcoming. It seems fraudulent to charge a person for a service they have not used currently. Small Businesses have a real challenge to survive in this environment without all of the technicalities. Sincerely, Product_Or_Service: Merchant Processing Account_Number: 4[redacted]000051Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to see PCiPayment of Thousand Oaks, Ca. refund the $s to my Act. or forward them to my Address.

Business

Response:

The reference merchant account was approved on 02/13/2013 per receipt of the signed application and agreement. The account was closed on 7/8/2013 per the customer request. During the life of the account, the customer processed $288.17 in volume. The annual fee mentioned in the compliant is a annual compliance fee to ensure the customer is compliant with the industruy's security standards. The fee was assessed to all customer which processed a transaction during the calendar year of 2013 when this account was open.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9869713, and find that this resolution is satisfactory to me.

Regards,

Review: Every credit card processing company uses a different fee schedule for the credit card swiped based on the risk of the individual or company from whom it is received. In a doctor's office, there is little risk of charge-backs because the cards would be declined first as opposed to corporate cards. Leaders, The Merchant Services Co. knowingly charged my office the higher fee schedule for almost all cards submitted, resulting in higher fees to them from my patient's payments. This went on for years until I became more educated on the matter and called them. They said that they "would use a different grid", meaning since I caught them, they would allow the swiped cards to be processed at the lower fee. There was no absolute determination made on the individual credit card, only egregiously inflated processing fees assigned until an ignorant customer wised up! Beyond that there were superfluous and overlapping charges for services not needed or rendered. This company should be investigated and would be if there were enough regulators. When I called to close out the account, they continued to debit my account for six months.Desired Settlement: There were at least $40 per month in inflated or duplicative charges per month since September 2009. That is $480 per year for 5 years = $2400

Business

Response:

Hello,We are very sorry you hear of the issues you experienced withour services. You are correct when saying that every processor hasdifferent costs based on a many number of variables. On that note, wealso cannot be assumed to have the same costs as every other processor. We have our own costs to meet as every other company out there and thus we setour fees accordingly. Our fees are disclosed to you at every turn and weare sorry you did not quite understand what you would be paying for ourservices. Unfortunately, the refund you request is not backed by anyspecific data to which warrants a refund. We will not be able to processthis request. Good luck to you in all your future endeavors.