iPayment, Inc.

Review: I have been trying to cancel since July 2013. They have since continued to bill my checking account. They have even changed names of their company after I stoppped payment on the company. I can't seem to get a straight answer and no one will call me back. They have ripped me for hundreds of dollars.Desired Settlement: Stop the continued debits. Refund of all charges since July 2013.

Business

Response:

We have reviewed the customer's complaint and are showing the account has been closed due to non-payment as of 5/21/14. We apologize if the account was supposed to be closed prior to that date, however we are not showing a closure request form being recieved for processing. We are currently unable to place any refunds to the account at this time. If you have any documentation (email or fax confirmation) of a previous time a closure request was sent in we can review the issue further. Thank you.

Consumer

Response:

Review: 10125013

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

Regards,

Business

Response:

Unfortunately we are unable to close the any merchant account over the phone and do request something in writing. As previously requested, if the customer has any records showing a fax/email confirmation of a closure request sent in prior to 5/21/14 we will honor that closing date. The customer was still under contract when the account was closed and under contract if closed in 2013 as they claim to have requested. We cannot refund any monthly charges without proof of the closure being sent in however we can waive the $250.00 early termination fee that is owed as courtesy.

Review: After signing up through my mobile phone, I received my package in the mail, I was instructed to call to get the swiper set up. I attempted to make inquires on the fees that would be charged and I was repeatedly told there would be a "small" percentage charged for each transaction. I was never notified of any monthly fees other than the approximate $8 customer service fee. The first statement I received, I was charged a little over $10.00. I called again and could not get a straight forward answer from anyone that I spoke with regarding monthly fees other than that I would be charged the "small" percentage for each transaction. My next monthly statement, I was billed nearly $40. So I called again and asked to speak to someone to cancel my account. Having the services was not beneficial to me and was causing me to lose money. I was told that I could not cancel the service because there is a year contract and there would be a large cancellation fee. I was then told that I could be refunded a portion of the fee that I was charged. There is apparently a $25 monthly fee if the account is not used, which I was never told about previously. I also attempted to search online through their website to find what fees are charged and the only options are to put in your contact information to request a quote. I was never notified regarding any yearly contract either. By the time I received my next statement, I was once again charged nearly $40 and was never refunded any amount as I was told would be done the month before. I called again and spoke to Anthony. He also told me I could not cancel due to an annual contract. He proceeded to be extremely argumentative and rude and told me that I apparently did not read all the information when I signed up and that all of the answers to my questions could be found online. I asked him who else I could speak to, to cancel my account and he said it was him. Finally, he said he could have "his bosses" call me back but they were going to tell me the same.Desired Settlement: I would like a refund for the amounts that have been charged and my account cancelled.

Business

Response:

After reviewing the customer’s complaint we have come to the decision that all fees charged are valid. The customer did successfully install the equipment and did process transactions. The customer did have the ability to print and retain a copy of the terms and conditions associated with the merchant service that had all fees listed when they filled out the application. As courtesy we are agreeing to let the customer out of their contract by waiving the Early Termination Fee as long as they return a written closure request and the phone swiper in good working condition to the address below:

Agoura Hills, CA 91301

Review: In Jan 2014 I e-mailed iaccess to cancel my account under the 30 days written notice. I believed that I was cancelling my whole merchant services account. After calling customer service in Feb 2014 I was informed that was just for the online access to my account and they put me through to Anthony Herrera to cancel my account. Anthony informed me that I owe the company $250.00 for cancelling the account and $295.00 for the equipment. The equipment we had stopped working in October 2013 as they can tell from no charges on the account. I was told at that time that the equipment I had would no longer work anyway as the company went out of business and the network has been taken down. I have no information that says I pay for the equipment when I terminate my account. When I asked about this I was told it was in an addendum to the contract that is an internal document so I wouldn't have a copy. When I asked for the signed document I received a document that has nothing about a $295 fee and the signature on the document is not mine. After a few calls and e-mails to Anthony to resolve this matter I still do not know what form I need to fill out to cancel my account and am being charged monthly fees - including iaccess!! I instructed my bank to stop paying them until this is resolved and today I received a collections letter.Desired Settlement: I would like my account cancelled now!! I want the equipment fee waived as I have sent it back and no more charges on my account. I will pay the cancellation fee of $250.00, but the rest of the charges should be removed including the charges in the collection letter for Feb 2014. The company is aware that I wanted to cancel!

Business

Response:

This customer is liable for both the merchant processing termination fee of $250.00 and the termination of the equipment agreement which is $295.00. The customer will not being charged for the equipment ($795.00), they will be billed for terminating the equipment agreement. I have attached a copy of the Equipment agreement and a closure request form. The merchant account is still showing as open and will continue to until the form is filled out and sent back.

Business

Response:

Our apologies, please see the terminal agreement attached. The addendum does contain the following link where all fees are listed. The terms of the terminal agreement are located in section 6.

http://www.intlcardservice.com/equipment/agreement/

Consumer

Response:

Review: 9969279

I am rejecting this response because:

Review: I signed an agreement to use Ipayment, Inc. to do my Merchant Services for my online Business. After several transactions I noticed that money was not being deposited into my account. After calling they told me that they were unable to read the voided check that I sent. I rush ordered checks to get them next day and sent a new voided check. Then after a couple more days (they did not contact me despite MANY attempts to contact them) I called and they said they needed a bank letter. So I went to the bank, and spoke to the banker, got a letter and had the banker talk to someone from ipayment and fax over the information they needed. I called to confirm they had all the information that they needed and they said that they did and everything was set. I waited a few days and STILL did not see any of the money that my customers were paying go into my account. I called and was informed that they had canceled my account due to "security risks". They said the issues with the check were unresolved (despite me go to the lengths of having the talk to my banker and giving them more than enough information) and that one of my customers had asked for a chargeback, meaning they thought it may be a fraudulent charge. I spoke with that customer after learning this and they said they did not recognize the company name on their bill and forgot they paid for the class (We teach CPR classes) so asked it to be cancelled. Ipayment decided to close the account because of this and did not tell me about it. I had to find out when customers called and said they could not check out on my website. So now there is a lot of money in transactions that they have not paid me and also won't refund my customers. They have basically stolen my customers money. My customers don't get it back, and I don't get it either. Worst customer service and worst operation/company I have EVER dealt with. I just want the money that customers paid for and to move on!Desired Settlement: I want the fees I paid for Ipayment's services refunded to me. I want the money that my customers paid me, or at the VERY least for it to be refunded back to them. It sounds criminal for ipayment to keep the money if you ask me. It belongs to me, but at the very least give it back to the customer. I also want an apology for the way I've been treated, I spent countless hours and money trying to get this to work. I think they should be investigated for fraud by stealing my customers money.

Business

Response:

The merchant account was approved on 10/08/2013 per receipt of the signed application and agreement. On 10/10/2013 iPayment received an ACH credit reject and was not able to deposit funds onto the checking account listed. Funds were held pending voided check/bank letter to correct the issue with the bank account. A call was placed to the merchant on 10/14/2013 advising of documentation needed to update the bank account on file to release funds. The bank letter and voided check where received from the merchant on 10/16/2013. On 10/18/2013 a second call was placed to the merchant advising that additional documentation would be needed to update the bank account on file due to a possible change in business structure needed. Due to ongoing issues with the bank account update and cardholder disputes coming in within a short amount of time, the merchant account was closed on 10/19/2013. The merchant was given specific reasons for closure on 10/22/2013 and was advised returns would need to be processed back to the cardholders for transactions held or funds would remain on hold for a 90 review. The merchant refused to send letter approving returns to be processed back to cardholders so additional documentation was requested from the merchant to conduct a verification of sales processed. Documentation was received 10/24/2013. On 10/29/2013 iPayment advised the merchant funds would be released but merchant account would remain closed due to aforementioned issues with the account. All funds held have been released to the merchant. iPayment does not know of any further issues with the merchant account.

Business

Response:

iPayment reserves the right to establish a reserve on the merchant account at iPayment’s sole discretion based upon the merchants processing history and the potential risk of loss to iPayment as may be determined from time to time per the terms and conditions of the merchant agreement. Due to ongoing issues with the merchant account previously mentioned, funds were held and the merchant account was closed. The merchant was given an option to have iPayment process returns back to the cardholders or funds would be held for a 90 day review period. The merchant did not agree to have the refunds processed. iPayment agreed to release funds to the merchant only after further verification of transactions was conducted. All funds have been released as of 10/29/2013. A confirmation letter of closure and of funds released will be mailed to the merchant for their records.

Consumer

Response:

Review: 9774024

I am rejecting this response because: It contains another lie and the response does nothing to resolve the issue, it actually exacerbates the problem.

Claiming to have the right to establish a "reserve" on my account? They closed the account, so what "potential risk" or reason could there possibly be for them to take money from me? They are essentially saying they plan to steal from my customers and I. Additionally, iPayment's statement that I did not agree to have refunds processed, is false. When initially informed that I could not get my money, I demanded that refunds be given back to the customers rather than iPayment fraudulently holding the funds. As with everything else with this company, I was told conflicting information and lies relating to what was needed to be done to accomplish this task. Eventually I was told that I could either submit paperwork to have the funds released to me, or paperwork for refunds. iPayment has absolutely no right to hold a "reserve" on my account as, by their own statement, they closed it, therefore I do not have an account. Being that they harassed my customers by posing as a banker from a different financial institution, left bullying voicemails and lied to them (and me), I am concerned for their financial security as well as that for my company and family. I stand by my requests for apologies, discipline, and confirmation that no funds will be withdrawn from me. Dealing with iPayment has been the worst experience of my life. I have not received any confirmation letter from them either.

Regards,

Review: They have charged me for 2 years for a merchant account I have not used and which I thought I had closed in the first month. I have received some notices showing the account would be closed if PCI compliance was not completed with in 30 days. I thought they must have a faulty system that sends out communication when a client account is closed.But they did not close the account and continued to charge me each month since.First year charges were $44.95/month. June charge of $133.95. Next year charges of $79.90 per month with a June charge of $168.90. My total bill paid to them is $1376 for services they did not provide, that I did not use and for which they claimed they would cancel.Desired Settlement: I would like a refund of $1376.

Business

Response:

The merchant account was approved on 11/29/2011 per receipt of the signed application and agreement. The merchant also went through the merchant account activation process on 12/29/2011. All fees billed were disclosed via merchant agreement and month ending statements mailed to the address of record. No attempts to close the account were made on behalf of the merchant until 08/05/2013. The merchant is responsible for notifying iPayment of closure and providing a signed closure request as stated on the merchant agreement. As the account was maintained, monitored and serviced by iPayment the merchant is responsible for all fees. The merchant account is now closed as of 08/07/2013.

Business

Response:

The merchant claims to have called to close the account a month after opening on 11/29/2011 but records indicated the merchant actually completed the activation process required to activate the account on 12/29/2011. As part of the agreement the merchant is required to adhere to the Payment Card Industry Data Security Compliance but the account does not automatically close because of non compliance. The merchant is in fact advised on the statement reminders sent out monthly, that a non-compliance fee would be assessed if the compliance certification is not complete so they are encouraged to complete the certification process to avoid penalties not closure. Statements were mailed to the merchant every month to the address on file which matches the address provided on this complaint. As previously mentioned a closure request with the authorized principal is required per the terms and conditions of the agreement in order to close out the account. Since the merchant has no record of providing this documentation to iPayment prior to 08/07/2013 all fees stand.

Consumer

Response:

Review: 9652647

I am rejecting this response because:

Review: I closed out my merchant account and they say that they didn't receive my paperwork and kept on charging me fees and when I called and talked to them I was promised several times that they would refund what they had over charged me but now they have decided that they don't want to give me the refund. I am sure that the phone conversations are recorded and I would love to see them keep their word.Desired Settlement: I just want the refund that was promised to me.

Review: This company has been debiting our account for 2years at the cost of USD4,000 without our permission. Some how these ipayment people managed to get some of business information. I frequently kept receiving mail from them for 2 years after having called and terminated their service because we had never signed up for any such company. Naturally we thought that the problem was dealt with since we had called multiple time to sort the matter out. So this month we noticed that money was being withdrawn from our business sporadically. We had not given any permission for any company to automatically deduct funds from our account. Our bank was very helpful, they traced the money being withdrawn, they always deducted a different amount as to not raise suspicion, they traced it back for two years! Never the same amount! Our bank calculated that they had stolen around $4,000 from us. When at the bank the staff called the number on the bank statement to no avail. The reason that we found out about the money was that they had deducted two payments of $50 or so and than credited one of the payments back. This was what raised the red flag for us. The company name did not appear on any of the bank statements. Today I was going through some mail and saw the I payment envelope... lo and behold everything clicked, it was these people who were stealing from us. I called the number and got a hold of a woman , I immediately proceeded to tell her that I was taping this conversation due to legal issues concerning theft from our account. Normally when employees are subjected to mad people the immediate response is to pass the call on to a superior, she did no such thing, instead she started telling me that she did not give me permission to tape her... LOL! They can tape my conversation but yet when you try to hold them accountable they run with their tail between their legs. She repeated herself 3 times than hung up on me. I was not mean to her but she sure as H[redacted] did not want to talk to me. I have heard that other people out there that this has happened to have not been able to contact them, this is the number and address that I have for everyone that wants to get their money back from these scam artists. I Payment, Inc PO BOX 3429 Thousand Oaks CA 91359 ###-###-#### Let me now what else we need to do to put these pieces of sm behind bars so they can stop stealing from honest hardworking people. Thank you.Desired Settlement: We want our money back! It is "supposedly" a credit card service provider... we do not have a credit card machine! Why would we be paying them for something that we do not have.Apparently we are not the only people to whom they have done this too. Please help if you can.

Business

Response:

The merchant will need to provide a valid 16-digit merchant account number. No account was located with the information provided.

Consumer

Response:

Review: 9669903

I am rejecting this response because:the merchant number on the statement from "ipayment " is 48[redacted]003 for Arbor Island Creations. From my research online I have found out that they "service" that they provide is for credit card transaction... soft ware or machines. We do not have any credit card machine or software as we are a small home based business that only deal with checks, money orders or cash. Bank of America with whom we bank with has been alerted about the fraud situation to which they calculated that roughly $4,000.00 has been taken out of our account over the past two year. Not only had we called numerous times to find out what these statement s were for but also we told them to shut it down on numerous ocassions. Bank of America got a fax from the with our "so called contract". the signature on it is a forgery. somehow they got our information for some kind of third party, I supposed that is how they end up stealing money from people. How can we as a small business be charged for a credit card machines or service when we do not even have one?? I have found numerous complaints on this companies and also numerous other company names to swindle people. They are already involved in several other lawsuits at this time. As I have to see my lawyer next week I will be bring my information on this matter to him. We do not need this kind of hassle from companies who steal peoples money so they can live the high life. Please do what you can to make people aware of these sm. Their pay back is immenient. I want our money back and I want these people to be held accountable not only for my companies loss but for everyone else they have done this too.

Regards,

Business

Response:

The merchant account was approved on 02/27/2012 per receipt of the signed application and agreement. The merchant did complete the application electronically provided all business, personal and banking information. The final stage of submitting the application online is by reviewing and agreeing to the terms and conditions and providing a mouse over signature. The merchant is not allowed to move forward with the signature portion of the application until they agree to the terms and conditions of the merchant agreement. All fees billed were disclosed to the merchant via the application and monthly statements mailed to the address of record. The merchant is responsible for all fees billed. The merchant did not contact iPayment regarding closure until 12/12/2012. Proper closing procedures were given to the merchant and a closure form was emailed to [redacted].com. A closure form with authorized principal is required to close the merchant account per the terms and conditions of the agreement and for banking institution verification. The closure form was never received by iPayment and there has been no attempt from the merchant to follow up regarding the closure with iPayment directly since 12/12/2012. The merchant account will be closed per this Revdex.com correspondence. As a courtesy iPayment will refund the past three months of month end fees totaling $258.55.

Review: I use my own American Express Business Card to monitor my transactions and pay my taxes as well as get mileage from using the card. I use Ipayment to process these transactions to my American Express Card. Last month I procsses about $12,000 to my OWN American Express Card. Again, to my OWN CARD. Not even a clients card of my business. They told me they thought the activity might be wiht a stolen card and suspended the money. How? It is MY CREDIT CARD I processed, MY BUSINESS. No phone number to call. Now, ready for this. They charged my card $12,000 which is correct but then said they wont deposit the money in my bank for up to 12 months now in case the transactions are not correct (to a stolen card). WHT???? IT IS MY CARD. THEY NOT ONLY CHARGED MY CARD $12,000 but NOW ARE HOLDING MY CASH, MY MONEY, 12K THAT I HAVE TO PAY TO AMERICAN EXPRESS for UP TO A YEAR?? This is illegal?? HOW CAN THEY DO THIS? I am now out of pocket 12K and they are holding my cash for a YEAR????????Desired Settlement: Deposit the money into my ACCOUNT ASAP!!! They have my 12k. I am paying American Express (MY AMERICAN EXPRESS AGAIN, NOT A CLIENT). I even sent them fax showing it is my account. Showing every transaction. Explaining how I do it for tax purposes and to get my air mailes. HOW CAN THEY HOLD THIS MONEY. RELEASE THE MONEY IMMEDIATELY TO MY BETHPAGE BANK ACCOUNT!!!!!

Business

Response:

The merchant account was approved on 08/22/2012 per receipt of the signed application and agreement. The approved limits on the account were $5,000.00 and a per transactions amount of $500.00. On 07/21/2013 all funds were held per the terms and conditions of the agreement. The merchant processed 34 transactions on the same card totaling $9,968.00. The merchant was advised to send in necessary documentation for review of sales. Once verification was complete it was identified the merchant had processed these transactions to his own card. The merchant violated the terms and conditions of the agreement by processing these transactions. On 08/09/2013 the merchant was advised that the account would be closed due to the aforementioned reasons. Returns were issued on all sales processed to his card on 08/14/2013 and the merchant account was closed as of 08/16/2013.

Review: This company has held over $400 hostage and in December they told us it will be refunded. After a dozen calls and emails to [redacted], who refuses to return a phone call or email, I am forced to file a complaint with them to get relief. -----Good Afternoon, Please see attached paperwork pertaining to the Funds that were on hold with the risk department. There 2 fees that were billed to the account that I have requested be refunded the ETF of $350 and the PCI fee of $90. Currently the amount of $440.00 is owed to you. I will be calling to find out the correct mailing address for the check.Desired Settlement: They owe us $440 and we want it now!!!

Business

Response:

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

Review: I processed a transaction over a week ago. It was over our max limit, which I found out was lower than what I was initially told. My company does big transactions so this surprised me! We were contacted this past Sat, and I immediately tried to respond back. I have left over 10 messageges this past week, and not one single person has called me back!!!!! The only way I talk to someone is if I contact the risk mgmt dept, or keep calling. First I was told someone named [redacted] was handling my acct so I left her a few msgs with no response for days. Then I called risk mgmt again and was told someone named [redacted] was now handling my account. I left msg after msg for him as well, and spoke to him when he finally answered the phone. He told me I needed to fax him some info, which I did within 5 minutes of speaking w/ him. For 2 days I didn't hear back and called and left a msg stating I just would like an update. No response. I called and spoke with a supervisor yesterday who told me he would get with Joseph when he got to work and have him call me...NO RESPONSE! I called today and spoke with another so-called supervisor [redacted] who said she sees that my funds have been verified with the customer, and the hold has been taken off , but that now my account is up for review!!! WHAT???? I put my trust in this company to process my credit card transactions, and this is the experience I get with the very first transaction! I want the money my company worked hard to earn! I wouldn't recommend this merchant service to anyone!!! Not only is this the major problem, but I was told when we opened the account that I would be saving money with the lower rate and no monthly fees. For 2 months I didn't process any transactions and was charged over $120 in statement fees, wireless fees, and 'OTHER FEES' which I was told would be refunded. No refund!!!! Misrepresentation by account exec. Horrible experiences within 2 1/2 mos of service with this merchant company!!!!!!!!!Desired Settlement: I need the $7400 that was processed using our customer's American Express card, and also need at least $120 in fees I was charged when no transactions were made through this merchant. I was told there were 'zero'monthly fees, which was less than my other merchant which was $5 with Suntrust merchant services! I wish I would have never switched!!!

Review: I was using Flagship as a card processing company, I called them on 11/26/12 and closed my account with them. This was enough time to end my last payment that month. They told me that it takes 30 days to end my service so they have to charge me for two months.Desired Settlement: Please refund me the money that was taken from me, plus any fees that my cause my bank to go in over draft due to unepected charges

Business

Response:

The merchant

account was approved on 09/09/2012 per receipt of the signed application and

agreement. The merchant did send in a closure request on 11/27/2012 and the

merchant account was closed on 01/02/2013. The merchant was advised that due to

the delay in closure the November 2012 fees would be waived from collections as

they were rejected and not paid by the issuing bank. The merchant was also

refunded the December 2012 fees for a total of $41.95 on 02/20/2013. The

merchant has not been billed any additional fees from iPayment as the account

has been closed since 01/02/2013. The merchant did place a call to iPayment

about billing from Authorized.net on 04/19/2013 and was advised that

Authorize.net was a third party gateway and that they would need to reach out

to Auth.net regarding any fees and closure.

Review: [redacted] ###-###-#### Ben & Char Wood Art 2790 Stehle Road Theodosia, MO 65761 Ipayment, Inc. PO Box 3429 Thousand Oaks, CA 91359 Der Customer Service; I have previously contacted you, on November 11, to close out my account. You have not closed it as of December 9th. My reasons for closing this account have not changed: 1. I initially contacted Ryan Robbins in your sales department. I specifically asked for a NO contract account, because my small "mom & pop craft" business is part time. Also, as a new business I could not be sure how long I might remain in business. Ryan said they have a plan that would not involve a contract. He also told me the monthly fees, on months that I process no charges, would be $15. I asked if there were any other fees, he said he would "waive" the set up fee and the IRS verification fee. A. Ryan emailed the forms to me on or about August 8th. The forms mentioned a "contract". I questioned Ryan about that and he said that you would not put me on a contract, that I could cancel at any time without fees. He said go ahead and send it in and he would take care of it. Here was my mistake, believing your sales person. 2. My first months bill was rather confused as I had lots of activity over a three week craft show. I did not notice extra charges. 3. On my second bill, for month ending October 31, I had no credit card charges. I was expecting a bill around $15.00. Instead the bill was $34.95!. It was $25 for my "min discount" fee, then a $5.00 "statement fee", and $4.95 for a "regulatory fee". A. I called Ipayment on November 11, and talked to "Virginia", she checked my account and asked to verify some information, like phone, email, and so on. As we went through this she found several mistakes on your end. First you had the wrong email on file (yet Ryan emailed me prior to this). She also said that there was problem with my "business name and IRS id" So I repeated to her the business name and my FEIN. Then she transferred me to "customer service". B. Talked to"john" and told him that I wanted to cancel my account. He asked me some questions to verify my account and placed me on hold. I was on hold for 9 minutes. When he came back o he said I have a 3 year contract and said I could pay that fee. Told him I would not pay it because "Ryan" the sales person said he would not put me on a contract and give me a $15.00 monthly fee on months I did not charge. Told "John" to close my account. Apparently, "John" lied also. I just received a new bill form Ipayment for $118.90! In addition to the min discount, statement fee, and regulatory fee, you have added "additional fees" of $69.-00 and "tin/tfn incvalid" fees of $14.95. The bottom line for me is - you salesperson "Ryan" lied tome about what my charges would b and lied about the "no contract" account that I wanted. In addition you made mistakes on my account and are now trying to charge extra fees to correct your mistake. Cancel my account. I will not pay this recent bill or any cancellation fee. Sincerely, [redacted] Cc: Missouri Attorney Consumer Fraud Division Missouri Council on Aging Revdex.comDesired Settlement: Cancel my account.

Business

Response:

The reference merchant account was approved on 8/26/2013 per receipt of the signed application and agreement. We will close the processing account as of the end of the business day today 12/11/2013 and waive early termination fee.

Review: Failure to close account and cancel service charges to bank debit after repeated requests. Company given 4 notices requesting that service to the Rosenberry Inn, Wausau, WI merchant #4[redacted]027968 under ownership of Barry and [redacted] be closed. The first notice was by email in May of this year when we sold the business. A phone call was placed to Cental Payment on or about August 7, again requesting the account be closed. At that time I was told to submit that request in writing which I did on the same day. Today I called Central Payment to complain that service charges are still being taken out of our account as of 10/3/2013. I was transferred to IPayment whch supposedly has our account. This contact stated that the August letter was not received until the end of August and that the account was not closed as it had my signature, and they require my husband's. However, at no time prior to today were we notified of that requirement. Over the past 5 months our bank account has been charged a total of $346.75 for a service we requested be closed in May. In addition, there now is an overdraft of $59.38 with a $20 bank charge because we did not anticipate continued charges beyond August after the written request was submitted. We have faxed a written request with Barry's signature at the provided fax #.Desired Settlement: Written verification of account closure and refund of 5 months service charges totaling $346.75 plus $20 bank overdraft charge.

Business

Response:

The merchant account was approved on 07/23/2009 per receipt of the signed application and agreement. A signed closure request with the principal’s signature is required to close the merchant account per the terms and conditions of the agreement. An email is not considered proper closure notification. A closure request was received on 08/06/2013 with the wrong signer. The merchant did not send the proper closure documentation until 10/08/2013. The account was closed as of 10/14/2013. As a courtesy a refund was processed to the merchant on 10/11/2013 for month end fees from July 2013-September 2013 totaling $208.05. However, the refund was rejected and did not post to the merchant’s account due to bank account closure. A call will be placed to the merchant to confirm information to send a check for the refund approved of $208.05.

Review: About February iPayment contacted me saying my account with them was over-due. This was news to me, as I have had never had a contact with iPayment, or a service plan with them. When told that I wasn't going to pay them for services not rendered as laid out in a non-existent account; and that I certainly wasn't was going feel responsible for not contacting them about canceling an account that I wasn't informed that I had not entered into, they immediately sent my name to a billing agency. I do not have an account with these people and am very upset that they are wreaking my credit without cause.Desired Settlement: I want them to stop making fraudulent claims on my money.

Business

Response:

[redacted]’s account was approved on 08/25/2010 per receipt of the signed application and agreement. The merchant signed up for the credit card processing account through the independent agent office Icon Payment Solutions. All fees billed were disclosed via merchant’s agreement and month ending statements mailed to the address of record. The merchant first reached out to iPayment with regards to closure of the merchant account on 05/18/2013. The closure form was emailed to the merchant’s on 05/21/2013 to the email address on file which is the same email address listed on this complaint. An authorized closure form with principal’s signature is required to close the merchant account. The closure form was not received by iPayment and the merchant account was closed as of 05/30/2013 due to non-payment. The merchant has a past balance due for month end fees from February 2013- April 2013. As a courtesy, iPayment will waive the collection balance totaling $209.85. A copy of the signed application will also be mailed to the merchant for their records. iPayment does not know of any further issues with the merchant account.

Review: I opened a merchant account wit Ipayment and on March 18 2013 I closed the account in writing. I spoke with a C[redacted] who indicated that final document was received and there would not be any additional charges to my account. The on December 31, 2013 my account was debited for PCI compliant fee of 65.50 and an annual fee of 49.50. These are serious erroneous charges. I spoke with Ipaymant concerning these charges and them having continued access to my checking account and there response was essentially I have no recourse. They can do this if they like.Desired Settlement: I would like Ipayment to first refund my business account and then restrict any further access to my business account.

Business

Response:

The reference merchant account was approved on 10/25/2011 per receipt of the signed application and agreement. The account was closed on 4/5/2013. We will process a refund of $114.00 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 9860337, and find that this resolution is satisfactory to me.

Regards,

Review: We begin using the credit card with creditcardprocessing.com, everything went okay until April 30, when I checked the business account, I found out the amount below was debited and taken away by ipayment. There was no notifications sent to us about the debit transactions. I had to contact ipayment about the issue. The staff in risk management told us the amounts were on hold because one card was swiped twice within few days, and I provided the supporting documents and the reason we charged the card twice. Basically, the customer paid half for the deposit, and when she got the items, she came to pay the rest. The debit transaction was still pending and the staff in risk management told us they would be removed. Sales Amount4/29/2014$500.00 4/27/2014$1,107.50 4/25/2014$1,000.00 Totals$2,607.50On about May 6, I checked the account and all the amount got debited, resulting a low balance in our account. On the same day, we called the staff, she told us the issue would be resolved on the same day. On May 10, we realized all transactions after May 1st were held back. No notifications from ipaymentinc were send to us. Sales Net5/8/2014$377.80 5/7/2014$2,490.59 5/5/2014$97.99 Totals$2,966.38 In these days, the staff in risk management never replied to the email or voice message, we had to call the front desk to give her a physical message. A few customers turned away because they do not want to pay cash or check.Desired Settlement: We would like to have all the credit card payments creditted to our bank account now. We would like to be reimbursed for the two insufficient fund checks.We would like to be reimbursed for the interest for the period our fund has been held.We would like to be reimbursed for the time we spent to contact ipayment.We would like to be reimbursed for the time we spent to deal with the customers and vendor because of the delay of the payment and shipment.

Business

Response:

The customer’s funds were held temporarily during a review by Risk Management after the same credit card was run within a few days for a high dollar amount. Invoices were requested and a review of the account was required. Each invoice did not contain all information requested and none of the card holder’s returned our phone calls. The issue was escalated and management did approve the funds to be released as courtesy prior to feedback from their customers. The funds were release in full on 5/20/14.

Business

Response:

We have reviewed the complaint and confirmed the release and receipt of the deposit. As previously mentioned multiple calls were placed to the business from the day the debits occurred until the funds were released. There were also multiple attempts to receive invoices and other correspondence from the customer that went unanswered. The review of the transactions and the release of funds is complete. Unfortunately no reimbursement will be made, as we are able to hold and review funds as listed in the agreement and without cooperation from the customer this process can be delayed.

Consumer

Response:

Review: 10057288

I am rejecting this response because: taking the fund away from our business account without notifications is unreasonable. In addition, ipayment has not informed us to stop receiving payment by credit card, resulting hard time for the business.

Regards,

Review: Our company was charged $350.00 by ICS without our knowledge or permission. When I called to inquire about why these funds were taken from our account we were advised it was because we had cancelled our contract(However when we had opened our account, Bryan Pelto, an employee at ICS stated to our business owner via email that there was no contract, Fee's or PCI compliance fee's).He then advised that if we signed a merchant close request form that we would not be charged any fee's upon cancellation and the money would be refunded to us. We have 3 of these forms on file that were previously sent over before the contract was cancelled. When we called to speak to his supervisor, Michael Gomez , they advised the account had already been closed in 2012. He also asked that any communication with Bryan be forwarded to him and he would speak with Bryans manager [redacted] to work on getting us our refund.When I did not hear back from Michael Gomez I called him the following day to inquire about an update on the issue at hand. He then told me we have been denied for a refund with no further explanation and that Nori who is a supervisor would be in contact with me the same day. I never heard from anyone. It is now Monday 10/14/2013 and we called and asked to speak with Nori. She was extremely rude and nasty. She told me we aren't going to receive a refund. She explained they closed our account in 2012 because of non-payment and the cancellation fee was consolation for the missed payments. I asked her to please submit documentation of what was paid and what was not, since our records do not show missed payments and we were never advised of any and we would like to cross reference our account activity. She told myself and my office manager she would not send us the information we requested. She also stated that being the office assistant and not the account holder she was not obligated to provide us with any information. She said If the business owner is that worried about it he can call me himself. We have been met with nothing but difficulty and have not been able to come to any resolution with this company.Desired Settlement: we would like our refund of $350.00

Business

Response:

The merchant account was approved on 01/31/2012 per receipt of the signed application and agreement. On 08/07/2013 the month end fees for July 2013 rejected and were not paid by the merchant’s bank due to stop-payment. The merchant account was closed on 08/29/2012 due to non-payment and remained with an outstanding balance for July 2013 month end fees totaling $61.95. All fees billed were disclosed via the signed application and agreement. The early termination fee was disclosed on page 3 of the signed application. The merchant was under a three year term. As the account was utilized, monitored and maintained by iPayment the merchant is responsible for the early termination fee. A copy of the application was emailed to the merchant on 10/11/2013 for their records.

Review: Ok I left Card Payment direst back in april and filed a complaint and it was resolved but now got a charge on my checking account for $350 cancel fee which is from I payment. I have no phone number to contact anyone and in the last complaint with card payment direct it was told to me there would be no more charges because of false advertisement. My account on this transaction is #4[redacted]00968 and the trace number is [redacted]719805.This was a month to month contract and NO CANCELL FEE was to be issused but they said I was in a 3 year contract when the sales I had never said that . This sales is no longer with company and never received any contract papers.I got to talk to I payment Inc at ###-###-#### they are a processing for Card Payment Direct which my complaint in june was resolved but now I am faceing a cancel fee which was in a contract that I never received and sales man stated that it was a month to month service but apprantly its a 3 year contract. This sale person was a sub contractor for card payment direct and is no longer employed with company his name Breck Brown, he was giving false sales info and I would assume that's why he no longer works for the company. I won my last complaint with card payment direct and they refunded my monthly fees and they said there would not be any more charges but now there other processing company I payment Inc is charging me.Desired Settlement: $350 from I payment, for a cancel fee that card payment direct said I would not get.

Business

Response:

The merchant account was approved on 09/20/2012 per receipt of the signed application and agreement. The early termination fee was disclosed on page 3 of the signed application and agreement. However, it was confirmed with the merchant’s independent agent office CardPayment Direct that the early termination fee was agreed to be waived per their Revdex.com complaint response to the merchant. A call was placed to the merchant on Tuesday 08/20/2013 requesting a bank statement to confirm the merchant’s bank paid the fee. The merchant was advised once confirmation was received a refund would be issued immediately for the early termination fee. The refund was processed on 08/21/2013. The merchant should allow 2-3 business days for receipt of the credit. iPayment does not know of any further issues with the merchant account.

Review: emailed for info.I was called by rep and was told to fill out form and info packet would be mailed w/everything needed to open if it looked ok.received w/7.95 bill.I never opened account.took a month for them to refund.same day it was refunded they charged $102 and change.took it directly out of my bank account.they said they would not give back.it was a monthly charge.again I did not authorize the account to be active and did not give permission..Desired Settlement: Refund the money of $102

Business

Response:

The merchant account was approved on 05/31/2012 per receipt of signed application and agreement. A closure request was received on 06/08/2012 and the merchant account was closed. The merchant was issued a refund for a portion of the June 2012 of $12.90 but the refund rejected due to the business checking account closure. A check will be issued to the merchant for the $12.90 and the remainder of the June 2012 month end fees of $89.00. A call will be placed to the merchant to confirm the address for the check request. iPayment does not know of any further issues on the merchant account.

Review: I was informed by [redacted] ([redacted]@ipaymentinc.com) that my merchant account with Merchantinc was going to be closed. I was not informed that merchantinc had any association with ipayment until I saw the email address listed for [redacted]. [redacted] would not give me any reason as to why my merchant account was to be closed and he demanded that I refund the buyers from ebay. I informed him that one of the items was already shipped so in essence the buyer would get the item for free since merchantinc was holding my money and would not release the funds to me for the transaction that has already taken place with the buyer. [redacted] would not answer my calls/voice mail, but instead hid behind his computer and emailed me as the phone rang after I had customer service transfer me to his extension. After dozens of emails, [redacted] would not offer any reasoning for merchantinc holding $142.50 of my funds for an item that I had shipped to the customer. (USPS Tracking can be seen here-94[redacted]70) I demand merchantinc/ipaymentinc to release the $142.50 to me. [redacted] has shown no empathy with the situation and poor customer service skills as he repeatedly ignored my calls and would not offer any reason for closing my merchant account and holding $142.50 of my funds. Again, I demand my funds totaling $142.50 be released from merchantinc/ipaymentinc. Thank you.Desired Settlement: I demand merchantinc/ipaymentinc to expeditiously release the funds they are holding totaling $142.50 to me.

Business

Response:

Hello,First an foremost, I would like to apologize for any communication issues you had previously. To explain, the 142.50 was held due to violations with regard to acting as a Third Party Seller. It was determined the shoes were being purchased by a William [redacted], then ordered through Nike, shipped to Mr. [redacted], then shipped to the customer. This was considered a violation and a risk by our risk department and the account was closed. Based on the volume transacted, the fees by the end of the account totalled $252.98, more than the $142.50 on hold, which was allocated for that payment, the remaining fees you owed are being waived.I hope this helps answer your questions. Please be aware that it is important to process within the appropriate guidelines.Sincerely,[redacted]