iPayment, Inc.

Review: In August 2012, I signed up with IPayment as they were advertised as a free program I could use through my hosting company, HostGator. They appeared to be one of the many credit card processing companies that takes a nominal percentage fee for transactions instead of charging a monthly fee.

I stopped using my company right around the same time, and found no need to activate or ever use my account.

Then the bills started. $153.90 in November and $64.90 in December (a total of $218.80). I contacted them regarding these fees and told them that I did not realize they charged these high fees and could no afford even a small percentage of them. They offered resolution with a faxed form, which either never sent or was never received. I sent the fax again, and contacted IPayment on January 17, 2013 to explain my situation including documentation from the forms they mailed me, which provide I never activated nor consented to the fees and terms. They responded to say that they waived my debt as a courtesy.

On April 10th, 2013, their collections agency sent me a letter claiming that I now need to pay them the $218.80. I contacted IPayment, which said I actually owe $268.80 due to 2 NSF charges of $25 each and that they had NO PROOF, not even the original email THEY SENT ME, to waive this debt. Now, I'm dealing with both them and a collections agency for a service I NEVER USED.

Would NEVER recommend to anyone ever.Desired Settlement: Drop the debt and end the collections process. I'm willing to bring in outside legal representation and consider small claims court to resolve this manner.

Business

Response:

The merchant account was approved on 08/03/2012 per

receipt of the signed application and agreement. All fees assessed were disclosed via merchant agreement

and signed application. The merchant placed a call to iPayment on 04/14/2013

with regards to collection balance and fees. The merchant was advised that

upper management would review the account for possible waiver of the collection

balance. A call was placed to the merchant on 04/17/2013 advising that the

collection balance on the account was waived and collection agency was notified

of waiver. iPayment does not know of any further issues with the merchant

account.

Consumer

Response:

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

Review: 9511472

I am rejecting this response because it totally neglects the fact that this issue had, according to iPayment, been resolved previously. I was told that the fees had been dropped, only to then be sent to collections, which then required in the actions I took in April of 2013. If iPayment had kept a record of the initial waive, I would not have had to contact both iPayment and the collections agency in April. The final waiving of the debt was communicated to me through a telephone message, which is another, nearly untraceable way of communicating. If they could not keep track of an email they'd sent that initially cleared me of the debt, how would a simple phone message really stand up in the future? This is poor record keeping on their behalf.

Review: It was our first time hosting an event at Fort Worth and we were going to need a mobile merchant service to take payments from our customers for ticket sales and other services. When I was asked what the machine would be used for, I mentioned for ticket sales, but I never specified other services because at that time I was not aware of any other services we would need to collect on and also was not aware I would need to specify any other services. During the event I needed to take payment for other services (other than ticket sales). I had a $10,000 monthly limit, which I never exceeded. After the event I noticed these deposits were never made. I called corporate office to see why they were holding all the funds that were supposed to be deposited to our business account and they said because of unknown transactions and that we would have to wait 180 days to receive our money. Otherwise, we would have to contact every customers and ask for all of their information (full name, address,zip code, ect.), which is nonsense because these customers were lined up to go into the event, how was I going to have each and every one wait - That's what the wireless machine is for. They mentioned they had to wait 180 days to see if there would be any disputes during that time and if not, we would get our money within 180 days. I've been dealing with different merchant services, but never wireless service, for over 10 years (though my other business) and never had an experience like this one. With my other business, this had never occurred. I don't feel I received the service I needed and the people were very unhelpful. They mentioned that they did charge these transaction, but that they would be on hold. The event was held 5/7/14 through 5/11/14 and we have yet to receive our funds. I am extremely disappointed with this company. I just want my money!!! I called them today and said that after reviewed through management, that they would hold for 90 days, which I still think is ridiculous!Desired Settlement: I would like to receive full payment for all the transactions that were made. I cannot wait 90 days. I need my money! Transactions are as follows: 5/8/14 - $9005/8/14 - $8005/8/14 - $9005/8/14 - $8005/9/14 - $3605/9/14 - $1805/9/14 - $605/9/14 - $1205/9/14 - $605/9/14 - $205/10/14 - $90 Total $4,290.00I really don't know who else to go to, other than the Revdex.com - In advance, thank you for your help with this matter!

Business

Response:

We have reviewed the customer’s complaint. Upon the initial signing of the agreement type of services and products sold are asked to be specified so we know what the customer will be selling using our merchant services. If different products/services are sold different merchant accounts are required for each service. Since we were not notified that different products were going to be sold on one merchant account we have to review the transactions. The hold is not due to processing on a wireless terminal. The original hold was to be for 180 days however after review a 90 day hold was determined. Due to the multiple products sold the funds will remain on hold for 90 days.

Review: A representative called my business and asked me how much interest I was paying on my processing service and that they can lower my interest rate. I was skeptical at first since I was already with my own bank but because of some business hardship I was willing to take a look at what they have to offer. The next day a reprecentative from the company came to my business and take a look at my statements and convinced me that I was paying too much and they can definitely help me. He then gave me a application and said to just fill it out and to let them know what my bank said after talking to them, to see what my terms of termination will be. When I called my bank, the fees for the cancelation was going to be $1000 because I have two equiptments. I immediately contacted Ipayments and informed then that I will not be able to come onboard because my contract is still on with my bank so therefor, I cannot switched my service at this time. The next day Ipayment send a technician to swap my credit card merchine. I told him that they cannot do so because I have already let them know of the situation and cannot transfer my service to them. Two weeks later, my bank account was debited for $575.00. I call their office and spoke with Mr [redacted] who then told me that he will look into the suitation and contact me. He did so the next day and told me that they can refund me $475.00 of my money but with condition that I switched. However, I could'nt because it was my money and that still do not covers the $1000 I have to pay my bank. He could not give me a concrete answer as to why they took my money and also the company has been going into my bank account each month withdrawing $44.95 for service that I do not have. This company a frud and should be checked. I am not sure how many scams they've done to other businesses. I have looked at my contract and in no line did it say that I will be charged $575 and also monthly dues even though I have no equipment and is not receiving any service.Desired Settlement: I will want for the company to refund me back ALL of my money. My $575 and also the monthly dues they have taken from my account so far.

Business

Response:

This merchant’s account was open on 10/22/13. No request has ever been sent in to have the account closed. If the customer has previously sent this information we ask for fax/email confirmation of them sending it with the original form so we can honor past fee refunds. We are also asking for a copy of a bank statement showing $575.00 being charged to their account since I am not showing that charge coming through our system. This customer did sign agree to a 3 year contract however, once we receive the closure request form we agree to close the account without the $495.00 Early Termination Fee.

Review: A representative with Merchant Company came in to my business to pitch me on switching credit card processors. I filled out an application so that I could get quotes. Later found out when iPayment began "drafting" my bank account with no services rendered that apparently the application I filled out was also a contract to start doing business. However, I never switched credit card processors nor did iPayment or Merchant Company ever process anything for me. They NEVER RENDERED ANY SERVICES for my business. I contacted both companies in order to resolve these issues, quit being charged & get a refund for the "drafts" made from my account. I spoke with several different representatives from each company & was promised these issues would be resolved. However, I am now receiving letters from "third party" collection agencies stating that I owe these companies money. When I have contacted the collection agencies they refer me back to iPayment, Merchant Company & Century Payments(not sure who/what Century Payments is or how related to other two companies). I have been charged a total of $587.48. I am at a loss as to what to do from here. I am at the realization that I will not receive any kind of refund, however, stating that I owe money & turning me over to a collection agency needs to stop. Please Help!Desired Settlement: I want it to be clear to all parties that I nor my business owes any payments or money. Which in turn should stop my business from being "turned in" to collection agencies.

Business

Response:

The merchant account was approved on 02/21/2013 per receipt of the signed application and agreement. All fees billed to the merchant were disclosed via the merchant agreement and month ending statements mailed to the address of record. The merchant also placed to a call to iPayment on 04/02/2013 to go over the month end fees. No attempt to close the account was made by the merchant. The merchant account was closed due to non-payment on 08/28/2013. As a courtesy iPayment will waive the collection balance totaling $92.55. iPayment does not know of any further issues with the merchant account.

Review: I sold dental practice back in June 2012 and had my office manager fax over all forms needed to close my merchant account. A few months later I noticed that my bank account was still being billed the monthly service charge and had my office manager call to find out why, she was told they never received the merchant request cancelation forms. I had her re-fax them and they still kept charging my accounts. She called back and still was told they never received forms, she re-faxed again and called to confirm they received the forms and they did and canceled my account. She requested a refund for all the months I was billed and they said they could do nothing about that they never received any forms. She asked them if it shows she called regarding this matter all the months past and they showed her calls and the conversation she had with the representative but no records of the forms. She requested to talk to a supervisor and she was told the same thing by them, that since they did not receive the forms the charge stands, She informed them that we had the fax confirmation showing it went through and was still told that if the account was closed at the time they would refund half but sense it was not they would not be refunding anything which makes no since at all.Desired Settlement: I am requesting a refund for all the months I was charged. They show her calls to cancel account but are stating they never received form when we have the fax confirmation showing fax went through. I do not believe I should have to pay for their mistakes.

Business

Response:

The merchant account was approved on 09/09/09 per receipt of the signed application and agreement. On 03/01/2013 the office manager placed a call to iPayment with regards to closure. A email with the closure form was sent to the merchant that same day. A signed notice of cancellation is needed for both the security of the merchant as well as for banking institution verification purposes. The office manager placed a call to iPayment again on 05/07/2013 advising the business was still being billed. The merchant was advised to the send confirmation page of fax being sent successfully to iPayment for refunds of any additional fees but they refuse to send in confirmation. As a courtesy a refund will be processed for April 2013 month end fees totaling $74.90. No fees were billed for May 2013. The closure request was received on 05/07/2013 and the merchant account was closed. Should the merchant have any additional questions or concerns or can provide confirmation of fax sent they can reach out to iPayment directly.

Review: Ipayment Inc. has charged my company (Azorb Desiccant Solutions) fees of $214.66 that they held on a batch process of 2 credit card sales totaling $9,400.39 due to this exceeding my approved amount. I was called by Steve Graham (###-###-####) on New Year's Day in their risk management department of this issue. I told him we do not much credit card business and do not want to up my transaction limit beyond $5,000, which I am currently approved for. As an option, he suggested I could reverse/refund the charges in their system, which I did. I notified the customer of what I was doing and requested they pay by check instead, which they did. I just received my Ipayment statement and they are taking their fees for these transactions in the amount of $214.66. I called Ipayment on 1/9/14 spoke to Tyler in customer service about this statement. He put me on hold an told to discuss with a manager and said the charges would be removed and he would call or send an email to confirm. I hadn't heard back from Tyler so I called back today (1/10/14) and spoke to Jennifer in customer service, who transferred me to a supervisor named Jennifer. Jennifer informed me they are not going to refund the transaction fees and in fact the will even be higher sine it is a refund. I am confused, furious and disgusted with their company and wish to pursue the return of these funds, along with sharing what I believe to be very suspicious and unfair business practices.Desired Settlement: Complete refund, with no additional fees added. Also, I wish this to be shared within the business community so they discontinue such a unfair and deceptive practice.

Business

Response:

The reference merchant account was approved on 07/11/2011 per receipt of the signed application and agreement. We will refund the processing fee associated with the return of the two transaction orginally processed on 12/30/2013 in the amount of $9,400.39. The total refund will be $194.59.

Consumer

Response:

They did refund the amount stated, but I was also told they were going to charge me a larger fee for reversing/refunding the charges, which would be on my end-of-month statement. Until I see if they charged me as per our telephone discussion, I would like to leave this complaint open. My next statement should be sent to me in early February and I will be able to see if additional charge were levied. Thank you.

Review: Ipayment has been billing my business fees that were not in my contract. The amount is as high as $80.00 a month. I signed up with no monthly fee and now I have not ever even processed 1 transaction and I have been charged several thousand dollars.Desired Settlement: I want this fixed.

Business

Response:

We have reviewed the customer's account. We are showing the account was set, per the agreement, to have a $5.95 monthly charge. We are showing the fees on the account are slightly higher due to the merchant not being PCI compliant and recieving a penalty fee of $35.00. This fee can be removed as soon as the customer completes the PCI Self Assessment Questionaire. Once that is complete the customer's fees will be less $35.00. There is also a service fee of $14.95 for our online service called iAccess. This is an optional service and if you would like that removed please call into our office and we can remove that for you. If you choose not to keep that service and if you complete the PCI questionaire that is advised on your merchant statements, your bill will go back to $5.95 a month if there is no processing.

Business

Response:

Re: Merchant Account Number Ending XXXXDear Merchant,The Housing Assistance Tax Act of 2008 included the enactment of Section 6050W of the Internal Revenue Code which requires the reporting of certain monetary processing information for each calendar year. This requires all Merchant Acquiring Entities to file an annual information return with the Internal Revenue Service (IRS) and provide you, the merchant, with a corresponding Form 1099-K that will report your gross sales.Merchant services providers must participate in the IRS’ Name and Tax Identification Number (TIN) Matchingprogram and take other measures to ensure and maintain compliance with this law. This has resulted in theneed to implement a $4.95 monthly fee effective January 2013.Continuing your merchant account with us or use of your merchant account after 30 days shall constitute youracceptance of these terms.Should you have any questions, please contact the Merchant Service area at ###-###-####.We thank you again for your business!Merchant Service

Consumer

Response:

Review: 10333157

I am rejecting this response because: This is not the contract I signed. I have never signed a contract that states I have fees. In fact just the opposite. There was no fees. You tried to tell me that I had to pay 50.00 bucks because it was I did not verify now you say it is 35.00 a month for that?? What? Where is my refund or proof of contract showing I agreed to any fees? This has gone on long enough. Since this has started ipayment has taken 150 dollars more. For what I have never processed a credit card through your system.

Regards,

Review: IPayment took the liberty of closing our merchant account, started about 1 month ago. A few chargebacks came through from a customer who made small, frequent payments for our advertising services. Since the chargebacks totalled 3 all in all (though they came from the same customer for the same service) Ipayment decided to close our account without notice or communication of any kind. They hit us with the total chargeback amount plus $250, PLUS $255- this was all ostensibly part of their 'account closure fee.' The only communication from Ipayment was initial notification about the chargebacks and info about how to dispute them. No info at all about how we are out a payment processor, not to mention all of Ipayment's arbitrary fees for their discretionary account closure. This is criminal. I am fighting Ipayment on this.Desired Settlement: I want a refund of all account closure fees plus the amount charged back (pending our dispute of said chargebacks). We should be refunded $675.00.

Business

Response:

We have reviewed the above complaint. Due to multiple chargebacks coming through within the first month of service we did close the account. Notification was sent for each incoming chargeback as well as a notice of termination that was sent 6/11/14. We are showing each debit we have attempted on the merchant’s account we rejected and it now appears the bank account has been closed. None of our fees were able to be collected and the chargebacks are still being disputed therefore no refunds will be placed to the customer’s account at this time.

Review: IPayment has charged me for services they have not provided. They mislead me when I was purchasing their services, stating that I would not be charged as long as transmission were not being. This condition was very important because I own a tax business that due to congress will not start transmitting until after January 30th and will stop transmitting April 15. That makes only 3 months out of the entire year that I would use this credit card reader.After calling [redacted]. at Merchant services (who could not answer simple questions properly) I find out that even if I try to cancel, ipayment will still charge me for the following month. Basically charging me for the entire tax season whether I use their services or not because I purchased the service two months ahead of tax season to ensure that the device worked properly and give me enough time to find a replacement device if it did not. Ipayment's treatment of me is unacceptable and I would actively discourage anyone - including my firms business clients - from using this service. The processing machine they sent was also antiquated, it could only work if plugged into a phone cord, which is also unacceptable.Desired Settlement: I would like a refund for November, December, and January because I made it very clear that one transmission in December was a test and not a real transmission. I do not want to pay for services that were never rendered.

Business

Response:

The reference merchant account was approved on 11/13/2013 per receipt of the signed application and agreement. We will refund the below amounts for the months of November and December as well as waive January fees as well. Please advise if customer would like to continue using our credit card processing services.

Review: iPayment is holding about $40,000.00 of my deposits even though I have successfully completed a review and my monthly processing limit has been increased. I want this money deposited into my account immediately. To make matters worse, no one there will even talk to me about this or tell me when the money will be deposited into my account. Their risk department tells me I can only speak to Nestor about this matter and he is impossible to reach. I have called him numerous times, left a voicemail, emailed, and called the general line at their risk department where they said they would give him a message to contact me. He has neither called nor emailed.Desired Settlement: I want the full amount which is being held deposited into my account immediately.

Business

Response:

The merchant account was approved on 06/14/2006 per receipt of the signed application and agreement. The approved limits on the account were set to $40,000.00 monthly and a per transaction amount of $40.00. On 08/30/2013 funds were held per the terms and conditions of the agreement. The merchant processed well over the approved limits on the account in August 2013 totaling $86,000.00 and over. The merchant did send in a limit increase request and limits were increased on 09/09/2013 to a monthly volume of $70,000.00 monthly and a per transaction amount of $45.00. A total of $15,356.03 were released to the merchant on 09/10/2013. Due to the volume processed in August 2013 still being over the $70k approved, the merchant was advised that a remainder of $10,000.00 would remain on hold for a 30 day review. The merchant can reach out to iPayment for review of funds held on 10/10/2013.

Review: I am the owner of Elite Taxi LLC. We have been struggling with iPayment since November of 2012 to get reimbursed for the money they withdrew from our checking account for statements they incorrectly billed us for. I have over 100 emails (not an exaggeration) where we were promised refunds but have yet to receive the thousands of dollars they over charged us.Now we are getting letters from Attorneys and a Collection Agency demanding their last statement fees!I cannot afford an attorney on this, so am diligent about getting our money, but they will not respond. This is almost a year!Desired Settlement: The money they promised us and a shipping label from UPS or FedEx so we can ship them their machines at no cost to us.

Business

Response:

The merchant accounts were approved per receipt of the signed applications and agreement. The merchant had multiple accounts set up for the business. CardPayment Solutions has reviewed the merchant accounts and does not see documentation of any refunds pending for the merchant. A signed closure request with authorized principles signature is required to close out the merchant accounts per terms and conditions of the agreement. A closure request was not received for any of the merchant’s accounts. All merchant accounts were closed due to non-payment in June 2013. The merchant sent some of the loaner terminals back to CardPayment Solutions. However, six accounts are still showing an outstanding amount owed for the equipment of $550.00 each due to non return of equipment. The equipment debits were not paid and were rejected by the merchant’s bank. In order to clear the outstanding debits for the loaner equipment the merchant must return the equipment to CardPayment Solutions and must do so at their own expense as agreed to on the Long-Term Equipment Loan Agreement signed by the merchant. The merchant can contact CardPayment Solutions directly for instructions on how to properly send back equipment. The merchant must obtain a RMA # from CardPayment Solutions before returning equipment for tracking purposes. A copy of the signed Equipment Loan Agreements will be mailed to the merchant for their records.

Business

Response:

The merchant can use the following RMA numbers to return the equipment:

4223696500467821 Please use RMA# 82061 to send back equipment

4223696500467839 Please use RMA# 82062 to send back equipment

4223696500467854 Please use RMA# 82064 to send back equipment

4223696500467847 Please use RMA# 82063 to send back equipment

4223696500467862 Please use RMA# 82066 to send back equipment

4223696500467896 Please use RMA# 82069 to send back equipment

4223696500467821 Please use RMA# 82061 to send back equipment

Should the merchant have any additional questions or concerns they can contact CardPayment Solutions directly at 888 571 0299.

Review: I have not done business with this merchant account in over five years and they continue to take out $25.28 of my business checking account every month. I have had several phone conversations as well as sent several letters asking them to please close my account and stop taking the funds out the account and to date, they still continue to take the money out.Desired Settlement: I would like to have a refund back into our business checking account and for them to stop taking the funds on a monthly basis.

Business

Response:

The merchant account was approved on 09/29/2005 per receipt of the signed application and agreement. The merchant did place a call to iPayment with regards to closure on 06/28/2013. The merchant was advised that a signed written request to close the account is needed with the signature of the authorized principal on the account. A signed closure request is needed for both the security verification of the merchant as well as the banking institution verification. Several calls have been placed to the merchant on 07/23/2013 and 07/25/2013 to obtain the closure request. A message was left with two employees E[redacted] and D[redacted] at the business location to have the owner Matthew call back to resolve this matter. The merchant should continue to work with iPayment on the closure. If a confirmation of closure sent in the past can be provided by the merchant iPayment will work with the merchant on a refund for prior fees billed. A third call will be placed to the merchant today to discuss the closure.

Consumer

Response:

Review: 9602322

I am rejecting this response because:

I have several dates and persons at I payment I have spoke to dating back to 2008

Regards,

Business

Response:

iPayment did not receive the required closure form from the merchant in September of 2008. It is the merchant’s responsibility to contact iPayment with regards to any discrepancies on their settlement account. The merchant failed to contact iPayment anytime thereafter until June 2013 with regards to closure. The merchant was also asked to submit valid documentation of closure sent back in 2008 to support his claim and did not do so. No additional refunds will be issued to the merchant. iPayment has refunded 5 months of month end fees as a courtesy.

Review: Charged numerous amounts of charges per month ranging from $250 to $350. Tried to reach out and resolve issues multiple times only to be ignored or hung up on. Cancelled account and was still charged monthly charges in outrageous amounts. No resolution or even an attempt at a resolution from Ipayment Inc.Desired Settlement: I would like the charges withdrawn from our account for errors on Ipayment Inc behalf be refunded including the charges that were withdrawn after closing of the account.

Business

Response:

Hello,This account was opened 5/21/14 and has not yet been closed. The closure form was received on 2/4/15, I have request this account rushed with no further charges to the account. The annual fee of $99 will be returned as a courtesy; however, there are no other refunds applicable.

Review: I signed up for the credit card machine September 19, 2012 with agent Rosa [redacted] (Agent # 191944). I returned the credit card processing machine to Ms. [redacted] on November 14th, 2012. This was within the 90 days cancellation period. I thought it was cancelled. It wasn't until May 2013 that I realized that the account was still open because my bank account was overdrawn due to the charges from IPayment. In June 2013, I hired a lady, Ms. Naeemah Chike, to help me manage my online accounts because I was so busy running my clothing store, I neglected to closely watch my bank account. She immediately went online and closed the account on June 13, 2013 and contacted Ms. [redacted] to assist me with the issue getting the monthly charges returned to me. Ms. Chike and Ms. [redacted] spoke and emailed several times starting June 6 through July 24 2013. Ms. [redacted] assured me that she was going to talk with her managers and get it all settled and she agreed that I should receive a refund of all the payments from Sept 2012 through May 2013. This has not occurred.Additionally, on July 2nd, IPayment debited an additional $300 from my bank account and then on July 17th another $350 was debited from my account by IPayment. This was after Ms. Chike closed the account on June 13, 2013. while Ms. [redacted] has been responsive to Ms. Chike, it has not resulted in any money being returned to my bank account. I have the entire email thread of the communications with Ms. [redacted] and can forward them to you if requested.My Account # was 4[redacted]463515.There was also some confusion, according to Ms. [redacted], about IPayment never receiving the credit card machine back. In the emails I have, she forwarded me an email from Ryan [redacted], her Agent Director stating that she took full responsibility for the lost credit card machine and he was going to work out a payment arrangement for her to pay for the lost machine. This email conversation occurred between Ms. [redacted] and Mr. [redacted] July 11, 2013.Desired Settlement: I want IPayment to refund the fees from October 2012 through May 2013 and the two additional fees that were debited from my account July 2, 2013 and July 17, 2013.Here is an itemized list of the fees:Oct 2012 $49.95Nov 2012 $93.95Dec 2012 $113.95Jan 2013 $54.95Feb 2013 $54.95Mar 2013 $69.90Apr 2013 $69.90May 2013 $69.90July 2, 2013 $300.00July 17, 2013 $350.00

Business

Response:

The merchant account was approved on 09/25/2013 per receipt of the signed application and agreement. Per the terms and conditions of the agreement signed the merchant is required to notify CardPayment Solutions directly with regards to closure of the merchant account and return of loaned equipment. A signed closure request was received from the merchant on 06/11/2013 and the merchant account was closed on 06/13/2013. The loaner equipment is property of CardPayment Solutions and in order to ensure the merchant is not assessed a debit for non return of equipment the merchant needs to return the equipment to CardPayment Solutions as stated on the Loaner Agreement signed. The merchant is responsible for all fees assessed including the equipment debit. As a courtesy CardPayment Solutions will be refunding 6 months of month end fees from December 2012-May 2013 totaling $433.55 and the early termination fee of $350.00. The equipment debit will not be reimbursed until the equipment is returned. CardPayment Solutions is also reaching out to the agent as a courtesy with regards to the equipment.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9671244, and find that this resolution is acceptable.

Review: My company, JDL Communications has been in business since 2006 and have been accepting credit cards since said time. Over a year ago we switched credit processors from First Data to National Bankcard and we now switched to Flagship Merchant Services. It was brought to my attention they National Bankcard and Flagship Merchant Services use iPayment to process credit card transactions. Over the past year we have had not one chargeback. We recently acquired a new customer who is a local doctor and who places large orders. We have ran a few orders that have gone through with no problem and now they are stating to us that our transactions are being "held for review" because of us going over our limit. No one is contacting us, letting us know. The only way we are finding out is that we have noticed that our bank account is not reflecting the amount of the transactions. Our complaint is that it should be illegal for these companies, specifically iPayment to hold our money without telling us. The card transactions were approved and went through but the third party is holding us. The customer has has our items for around 3 weeks now as he purchased electronics and stated his credit cards were charged in the amount. How is this even legal?? We recently signed up for Flagship services and were told we were not going to have this problem and now AGAIN our transaction is on hold. This is our money, how are we not being told what is happening with our money. This is unfair and should be considered illegal. National Bankcard took their money for the transaction they placed on hold even though it was on hold and refunded, how is that possible? We want any associated fees that occurred during this time refunded to our account. Terrible for business. These merchant service companies are taking advantage of us small business owners and that is not right.Desired Settlement: Refund of all fees associated due to these issues

Business

Response:

We have reviewed the customer's complaint. We are showing the account is no longer on hold and the customer is in process of requesting a limit increase to avoid any issues with limit amounts in the future.

Having worked with numerous merchant service providers over the last several decades, I can confidently say this is the most inept and disorganized company I've ever dealt with. We've had an account for over 3 years and processed tens of thousands in transactions, only to be halted when processing a government charge card, with no explanation for over a week. We received a call promptly letting us know of the hold on the transaction, and a request to submit further information. After submitting the information, there was no confirmation, or follow up email of any kind, not even a returned phone call from 4 messages, left to different departments. [redacted] and [redacted], not only dropped the ball, they were among the least professional people I've ever dealt with. I hope they can find a job elsewhere, because they don't belong in the customer service industry where two way communication is the norm, not a luxury. We will only be too pleased never to do business with this organization ever again. We'll be taking our large transactions to other processors who communicate efficiently. Our recommendation is take your business elsewhere, unless you're ready to "fax" 1980's forms to accept payment in the 21st century.

Review: I signed up with Flagship Merchant services to sell guitars on eBay through my business CNS Technologies and avoid the 3% fee charged by PayPal. I was very clear about my intentions with my account rep Brian Maloney at Flagship. He said he completely understood my intent. My account was set up and I sold a guitar on eBay and the transaction ($1250) was done via Flagship with no problem. Two weeks later I sell a second guitar on eBay and do the transaction via Flagship Merchant Services again. This time the transaction is denied. Their reason is that my business website says I sell data protection (amongst other things) and a guitar is not data protection. I had no choice but to refund the customer his $1156 as Flagship/iPayment refused to honor the transaction. I am out the listing fee and will have to pay it again if I want to list the guitar again.Desired Settlement: The apology must come from everyone involved, including Brian Maloney at Flagship and Anthony Vasquez at iPayment, a subsidiary or affiliate of Flagship. I what them to admit fault, that they made the error. They seem to not admit fault and just pass responsibility to each other's department. I also want my eBay listing fee reimbursed. I had listed this guitar four times before it finally sold when someone met my reserved price of $1100. The listing fee was $16.83.

Business

Response:

The merchant account was approved on 07/31/2013 per receipt of the signed application and agreement. The account was approved as a data protection business per the application received. On 08/28/2013 funds were held per the terms and conditions of the merchant agreement. The merchant was asked to send in documentation for verification of $1,156.62 sale. Verification was complete on 08/30/2013 and it was determined that a new account would need to be set up due to the product being sold being different than what was received on the application. The merchant was advised that iPayment would work with the sale as a onetime courtesy while the issue with the account was corrected through the merchant’s independent agent office Flagship Merchant Services. The merchant advised that he had already processed a refund for the transaction. A new account was set up for the merchant on 08/30/2013 with the corrected business type. The merchant did call to speak to iPayment about the set up issue on 09/05/2013 and was referred to the agent office Flagship regarding their complaint. A communication has also been sent to Flagship regarding the merchant’s concerns with the set up. A refund will be issued to the merchant for two months statement fees of $7.95 each as a courtesy. As mentioned a new merchant account was set up as of 08/30/2013. iPayment does not know of any further issues with the merchant account.

Business

Response:

iPayment received the signed application from the independent agent office Flagship and process the approval of the account based on the information supplied. Clearly there was miscommunication that occurred between the agent and the merchant. However, the merchant is also responsible for reviewing the information and agreement before agreeing to the terms and conditions of the agreement. If the merchant has further concerns with this piece they will need to address them with Flagship directly. As previously mentioned iPayment has also sent notification to the agent office with regards to the complaint of the application.

iPayment did advise the merchant that the sale could not be processed because it was being processed through an account not establish for the correct business type. After further review with management and in a good faith effort iPayment reached out to the merchant on 08/30/2013 advising that the sale would be allowed as an exception. Unfortunately, the merchant had already processed the return. iPayment is willing to work with the merchant regarding fees billed and a refund will be processed for the processing fees of the sale and return of the $1,156.62 transaction. A total of $24.39 will be credited back to the merchant for the processing fees of the sale. The September 2013 statement is not available in the system until the end of the month once the fees generate for the credit issue of $1,156.62 a refund will be processed for those fees as well. A refund has already been processed to the merchant for the two month statement fees totaling $7.95 each. With regards to the Authorize.Net fees iPayment will reach out to Authorize.Net regarding a refund. The merchant can contact ipayment directly with any additional concerns regarding the credits.

Consumer

Response:

Review: 9713206

I am rejecting this response because: THEY ARE LIARS!!!! LITTLE THEY SAID HAS BEEN TRUE!!!!

Today I logged into my bank account and I still am being charged for two separate gateways. I did not set this up, they did. This is not my F-UP!!! Be it Flagship or iPayment, please close ALL accounts and refund ALL money that was inappropriately taken from my bank account. There have been so many withdrawals taken without my authorization or knowledge, I have lost count and I think since this is theft, I am now reporting this to the FBI and Wells Fargo fraud department. When will you stop? What will it take?? Why should I have to pay for an error that I did not make? This company has said they closed my account. They lied, AGAIN!!! Why am I still being billed for multiple accounts? THIEFS!!! I am still paying! Nothing has stopped!!! Please help me!!!! How do I complete with a financial firm that has access to my account and is taking money at their whim??? STOP!!! I bet in their next reply they will pass the buck again!!!

Perhaps legal action will be the thing they will listen to? I am done with this! Please stop wasting my time with your false claims of refunds and apologies. You have lied, and you continue to lie and still are taking more money, for multiple accounts!!! WT_???

Really disappointed in the Revdex.com's lack of help too!!!

Disgusted,

Review: On 07-26-2014 , I signed the contract to use the merchant services with Merchant lynx services , without no penalty for anything if I cancelled within 30 days.On 08-05-2014 , I cancelled the service because of very poor service of the company, right after that they charged me : $99.00 for enrollement; $10.00 for the service ; plus I gave the sales rep. the check: $ 59.99. I called and called so many times , they promise me all the money will be return within a month, but up to today - 10-21-2014 , no money refund yet, plus they automatically withdraw $159.00 from my bank again on 10-20-2014. I talk to the manager , she said : she don't have the time frame about when all the money will be refund to me , plus tell me go to my bank to get help.What kink of company is that ? I have all the paper work : the contract signed by them that I can cancel any time without not any penalty : the cancellation code issued from them on 08-05-2014 ( the day I cancelled). When I ask them : why you continue withdraw my $159.00 just now while the account was already cancelled ? The manager said : all I can do is make another request.Desired Settlement: I would like Merchant lynx services refund me : $ 59.99 check ; $ 99.00 installation fee ; $10.00 fee; $159.00 annual fee.I would like Revdex.com put the company on the market with very bad reputation ; they are just like the fraud company; just like to steal money from other business; they don't care about all the signatures and agreement between them and the customer, keep lying and no responsible for all what they did

Business

Response:

I have reviewed the complaint it looks as though the request for the refunds is being reviewed. However, I am showing that the $159.00 fee is not due to be refunded since it was rejected from the customer's account. We will submit a request to rush the approval process on the remaining refunds and will have someone reach out to the customer with an update.

Consumer

Response:

Review: 10275133

I am rejecting this response because:

Regards

Hello,what the Merchant Link answer Revdex.com is completely lied.I

call them a lot of times (20 times or more) ,asking them to refund all

the fee before they took : $59.90 check ; $109.90 and $10.00 fee , on

07/26/2014. All they promise is : submit a request , no time frame to

put back my money to my account.After that , on 10/10/2014 , they

automatic withdraw from my bank : $159.90 , saying for yearly fee. even

though they did know the account already cancelled on 08/05/14 ( couple

days we open the account with them)Now they said : they may not give back $159.90 , That is even a big liar ,Because we have all the paper work (attach on file). The whole thing shows that : Merchant Link is a "[redacted]" , no responsible for everything they did , and keep lying to Revdex.com also.Thanks

Business

Response:

We have reviewed the account and are showing the credit for $159.00 was approved. Since the customer has still not recieved the funds we are going to re-submit the refund. The customer will receive the funds in 5-7 business days.

Review: Back in August, I entered into a verbal agreement with Titan Merchant service for a credit card terminal. I explained to the representative, that most credit card machine companies overcharge the merchants. The representative assured me that they only charge a flat $10.00 per month for fees. And I also explained to the rep, that I will probably be closing my shop in a few months anyway and that I DID NOT want to LOCKED into any contract. She assured me that I can cancel at anytime and that I would not be locked into any contract agreement. That all I needed to do was call and cancel and simply return the credit card machine. Since then, iPayment has debited my checking account for $70.00 in September and October. I called to cancel and was informed to sign and email the cancellation form and to shipped the machine back to National Payment Processing, which I did. When I called today 10/31/2014 to ask why are you still debiting my account when the account was closed and the machine was returned to you? The representative at first stated that they didn't get the fax about the cancellation notice. I explained to her that not only did I fax it the form, but also put a copy of it in with the machine, which I received a signature confirmation on, so I know you all received it. The representative, rudely hung up on me! Because she knows that they are scammers! And deceitful. And I want the world to know.Desired Settlement: I want ipayment or National Payment Processing, to refund me $140.00 for September and October. For making illegal withdrawals from my checking account, since those fees where not the original agreement and the account was closed per customers request.

Business

Response:

We have reviewed the customer's complaint. I am showing the customer's account is currently still open. A copy of the closure was not sent in for processing, if it was sent with the terminal it did not arrive to the processing center. I have attached the form needed to have the account closed. There will be no refunds at this time since the last few billings have been stopped by the customer.

Watch out this merchant services. Provide wrong information. Delay the payment, holding the money for high transaction, take it money and take it back because of their failures. Also provide wrong 1099 submitted to IRS and don't want to change based on the correct sales.(Correct sales = Sales - Sales return). They will tell you that your accountant can fix it the error without they willing to correct the 1099 form. And more...