iPayment, Inc.

Review: Our company has not used iPayment for credit card processing since August 2013. When we realized they were still billing us, we called and asked them to stop. We were told by customer service that if we submitted a cancellation form and noted "Please Expedite" on the form that the account would be cancelled and that we would not be billed for the month of November 2013. We did so 11/08/13. When we received no confirmation we called again 11/15/13 & were told to submit again, and that we would receive email confirmation within 48 hours and no charge for the month of November. We have not received confirmation, and I just called again and was told that by contract we would be charged for the month of November in which the contract will be cancelled. I was told that the previous customer service reps had no authority to say that the closure could be expedited and that there would be no charge for Nov. 2013.Desired Settlement: We ask that iPayment not bill us for the month of Nov. 2013.

Business

Response:

Good Afternoon

The reference merchant account was approved on 7/05/2005 per receipt of the signed application and agreement . The debit placed to the merchant account was the processing fees for the month of October 2013. Customer contacted us on 11/8/2013 requesting closure. We will credit these month end statement fees to the account on file which ends in 912 and we have closed this account.

Review: Was processing credit cards with this company and have not received my most recent deposit.

Called 1/2/15 spoke with a woman in the ACH department she said I would be receiving my deposit on Monday 1/5/15 minus my November and December fees. Signed in using my phone to process several orders I had and none of my cards would authorize so I went to sign into account through computer and my account was "deactivated". I called n and spoke to Steve who said he closed my account due to a chargeback, I have called all of my customers and no one has disputed any charges. I asked when my 1967 $ (minus the 80.00 for Nov and Dec fees) would be released to me and Steve laughed and said that's not gonna happen. They are a scam company, having done this to hundreds of people, I have found many many websites of people saying they are going through the same thing! I called him again and told him if they were not going to send me my money for the products my customers ordered then they need to refund my customers their money so they can pay me a different way and he is passing me off to collections. He keeps stating that I am not getting my money for 6 months and they are refusing to refund my customers so that they can pay me another way.Desired Settlement: I just want my money that is owed to me from my customers orders in the amount of $1967 or refund my customers their money so they can pay me a different way.

Business

Response:

Hello,This account was opened on 11/26/14 and closed on 1/2/15 due to Security risk. There are severe risk issues relating to continuous chargebacks, this is why the funds were placed on hold. Since the original held $1697, there have been 5 chargebacks which have diminished the amount held to $578.23. It is anticipated due to the issues with how the sales were conducted that more chargebacks could come through, these funds are held to cover the amount. These funds are held for up to 180 days per the agreement which is common in the processing industry when security issues arise. We hope this explanation helps clear up any confusion, these funds will remain on hold to cover the costs of further chargebacks.

Consumer

Response:

Review: 10370804

I am rejecting this response because: There would not have been any chargebacks if the funds had not been held. I cannot ship customer orders until I have recieved the funds to do so. My customers are stopping payments because I advised them too and that they could send me the funds directly to get their products. This scam company has done this to numerous businesses. I do not authorize them to take any money from my account since I never recieved a deposit from them I do not owe them a penny. They keep trying to take money that is not due to them and as a reasult I have had to open a new account. Advise them that all info is being turned over to my attorney.Regards,

Review: Noble Travel contracted with First Data Merchant Services Corporation dba iPayment to provide payment processing solutions so Noble Travel could accept credit card and electronic payments from its clients. Instead, Noble Travel has lost monies as monies were debited from Noble Travel's account with no explanation or authorization.According to Noble Travel, they have incurred a loss totaling $8477.24, and are seeking a refund for said amount, plus attorney's fees/costs.Desired Settlement: Noble Travel is seeking a refund of $8477.24, plus attorney's fees/costs.

Business

Response:

Upon review of the customer's complaint it does not look like the customer has lost any money. We did recieve a series of duplicated transactions where both us and American Express have paid the customer for transactions. When this occurs we as the processor will deduct the deposits we made since the customer was already funded by American Express for the same transactions.

Review: On July 11, 2013, I completed an application to be able to process debit and credit card transactions through Merchant Services and iPayment. The 4-page application was loaded with very hard-to-read small print. Consequently, I didn't realize that I had signed a 3-year agreement. But, apparently they charge $495 if you close the account within the 1st year. I could not find that fee listed any where in the application. It justreads any cancellation by Merchant of this agreement with respect to Payment Services within three (3) years from the date of approval or any termination by Servicers as to payment due to an event of default, Merchant will be subject to payment of the applicable early termination fee for each Merchant account and Merchant will be charged a fee for such early termination equal to (can't read) for each Merchant Account if terminated before the completion of the three (3) year term.Between March 5 and March 10, 2014, we experienced a number of problems with Merchant Services involving multiple incorrect charges. Therefore, we decided to look for another processor, and switched to Merchant Warehouse. Their fees are lower and the do not charge a cancellation fee if you decide to close your account with them. They aso have an A rating with Revdex.com unlike Merchant Services. I feel that Merchant Services is unethical in using such small print, not disclosing the actual cancellation fees or having them to start with. On May 20, 2014, iPayment took $495 out of my BB&T account without any notice or my approval. I thought that was illegal. I spoke to [redacted], [redacted]r, and Robert at Merchant Services and requested that they return the $495 to my account. But, I doubt that any or all will be returned. Any assistance you can provide is greatly appreciated.Desired Settlement: I would like the return of the and unethical $495 they charged based on their poor service and unethical practices.

Business

Response:

We have reviewed the customer’s complaint and also reviewed the agreement that was received. All information included is legible and if there were any questions or concerns about what the specific dollar amount for closure, that could have been clarified by the sales representative at the time of the signing. I have attached a copy of the page showing the early termination fee specifics.

Review: Was sold this merchant account be a third party broker Jeff Cole who told me the were no annual fees or charges to cancel early. Ended up not using the software the service was supposed to work with and never used it. I cancelled after paying fees every month for a service I do not need and then charged me $87 for what they called a protection service. Beware of this company and do not give account information, you will be sorry.Desired Settlement: I want the $87 fee refunded to me that I never authorized and that was charged to me after I closed the account.

Business

Response:

Hello,Thank you for bringing your concern to our attention. To begin, the account was activated 9/30/14 and the application was your acceptance to the fees received. The account was officially closed on 12/15/14. Based on our review, the processing history, and the information brought to our attention, I have requested the final month ending fee of 87.95 refunded, this includes the PCI Annual fee. We apologize for any misunderstand and hope we can serve you in the future.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10343363, and find that this resolution is satisfactory to me.

Regards,

Review: I called to cancel my merchant account because I sold my business. The guy that I spoke with, Anthony [redacted], informed me that there was a 3 year contract and for early termination, I would owe them $250.00, despite the fact that I was returning their terminal. When I signed up with this company, I was told by the salesman that the 3 year contract was only effective if I chose a different company for the services but NOT if I sold or went out of business. Of course, Mr. [redacted] tells me a different story. I ask to speak to a supervisor. He tells me one will call me within 2 days. Needless to say, no supervisor ever called. I called back 2 more times and finally spoke to some woman who said her name was Nora, and her employee ID was 123. She refused to give me her last name. She told me there was one higher up than she on the chain of command and it was too bad if I didn't like how the contract was written, and it was my word against one of the sales people's word therefore, she was going with their word. She then for some reason told me I should try to call Amazon.com and talk to their owner if I thought I could speak to her supervisor. This company is obviously a huge rip off, there are several complaints with both the Revdex.com and Attorney General against them and I hope they will be investigated. Nora, was hateful, rude, lied and basically called me a bh before I hung up on her. She should not be allowed to work in the public or with the public and the company should not be allowed to steal from people. Please investigate and insure public safety against companies that would hire such people as 123 Nora.Desired Settlement: I would like the merchant account closed (which I have asked for since June 12, 2014. There should be no "early termination fee" when I was told by the salesman that selling or closing the business would not be applicable to the fee. And I would like for 123 Nora to be fired since she lied about having a supervisor (and probably lied about being a supervisor). So she lies to the consumers and tries to steal from the consumers as well, that is a danger to society.

Business

Response:

Upon review of the complaint we are unfortunately able to waive the termination fee on the account. We do show the accound was opened 2/25/13 and was set up with a 3 year contract. Since the customer did sign the agreement and did process on the merchant account the Early Termination Fee does apply.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10094672, and find that this resolution is satisfactory to me.

as long as they are in fact able to waive the termination fee which is what they have stated in the response. They state "we are unfortunately able to waive the termination fee..." I would like a letter stating the account has been closed & there are no additional charges or fees.

Regards,

This company is terrible to deal with, they have a don't give a $^@^$# attitude especially when they are holding your money. Not only I, but the card holder for charges their risk management department deemed questionable, have been over two weeks trying to resolve this issue and they still act as if we are of no concern. Whatever you do do not do business with these people or their front company Flagship Merchant Services. Run, don't walk away from these people.

A short time after signing a contract with iPayment and a company local to me, I ran into some difficulties with the local company. The personnel at iPayment were so helpful in my being able to resolve any issues. Thank you.

Review: I was doing business with Ipayment, Inc. in June of 2012 and didn’t like the services, so I called and cancel my account June 2012. I was agreed by the company and myself that the

monthly withdrawals from my account would end the of June 2012. It is now June 2014 (two years later) and they are still making monthly withdrawals from my account although I have no business transactions with this company. Now on June 13, 2014 I called Ipayments, Inc. they said I would have to sign a form for cancellation to stop withdrawals. I asked them to sent me the form by fax and

as of June 26, 2014 then (Ipayments, Inc.. I have not receive a form yet. I need your help with solving this matter and help me get my money back.Desired Settlement: At least 18 months of withdrawals from my account from Ipayment, Inc.

Business

Response:

We have reviewed the customer’s complaint and have looked into the account. It appears we have not received the closure request form to process the request. I did attach the form for the customer to complete and return. We will have the account closed once the form is received. As courtesy we have agreed to refund the last 3 months of fees. We can look into this further but would need documentation (either an email or fax confirmation) of when the initial closure request was sent to us.

Review: I singed up for a merchant account with a company called Directnic , who turned out to be a reseller for IPAYMENT , I received an email informing me my account was approved and we were to start accepting customer's credit card payments .A customer made a purchase over the Labor day weekend , paid with a credit card , and we have since to get our money for IPAYMENT . When we singed up we advised Our highest tickets was $1000and average tickets around $300 , . They have held the funds for no reason , requested copies of the invoices ,which we provided , with all customer's info , and after making 5 calls to them , they still haven't funded or released our money , and they are giving us the run around with fake excuses and just to buy time to hold the money in order for them to use the funds , as it looks like after reading all the other complaints and reviews that this is a business practice for this company , and they were quick to withdraw a higher monthly fee for my account than agreed on , another deceptive practice . and scam .We can't do business when we sell products and our money is stolen by this companyDesired Settlement: I need my money deposited into my account ASAP it has been close to 17 days now , or will file a class action lawsuit by joining with other merchants who had been ripped off by this company .

Business

Response:

The merchant account was approved on 08/29/2013 per receipt of the signed application and agreement. On 09/03/2013 funds were held per the terms and conditions of the merchant agreement. A random verification was conducted on the new account and a call was placed to the merchant for necessary documentation of sales process on 08/31/2013 and 09/02/2013 to conduct such verification. After further review some discrepancies where found on the invoices when verifying cardholder information. Several attempts were made to verify information with the issuing banks before funds could be released with no response from the issuing bank or the cardholder. Due to the aforementioned reasons funds were held for a 30 day review. Since no Chargeback’s/Cardholder disputes were presented by the issuing banks during the 30 day review, funds were released to the merchant’s checking account on file as of 10/04/2013 in the amount of $1253.01. iPayment does not know of any further issues with the merchant account.

Review: I was told by a representative ([redacted]) that the service was offered with no contractual obligations. No contract was sent to me, nor did I esign or otherwise agree to a contract. After a couple of months, I was unhappy with the service provided, and I called the office and asked to cancel the service. The customer service rep I had ([redacted]) was no longer with the company and another girl told me I had a three year contract. I never signed anything. I asked for a copy of the contract I signed. They sent me a contract with an empty signature line. In place of my signature there was an IP address. I never saw an esign agreement page and never agreed to anything. An IP address can be easily obtained. I had never seen the paperwork before. This is a dishonest misleading practice to procure early cancellation fees from customers. The fee is 350 no matter when you would cancel I was told. The initial sign-up for service was april 2012 and I had the call to cancel in oct 2012. They have been harassing me ever since.Desired Settlement: I want to be able to cancel my service and stop paying the monthly fees and not be held liable for the cancellation fee.

Business

Response:

The merchant account was approved on 04/18/2012 per receipt of the signed application and agreement. The merchant is responsible for the early termination fee as disclosed on page 3 of the signed application. 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 signature which will come through with the merchants IP address. The merchant account is still open and the merchant continues to process transactions on a daily basis through the merchant account. If the merchant wants to move forward with the closure of the merchant account they will need to reach out to their independent agent office International Card Service directly at ###-###-####.

Consumer

Response:

Review: 9650437

I am rejecting this response because:

I called ICS today and told them that the Revdex.com related to we they would waive the fee and they said that they have no information about this matter and they would charge the fee.

Regards,

Business

Response:

The early termination fee has been waived in the system by iPayment and is documented on the merchant's account. A request has been sent to ICS to reach out to the merchant with regards to closure.

Review: They did not speak of fees or early termination to sign up for the account. They were better "cheaper" than square. They said nothing of a 3 year contract or early termination fees of 543.00. I have been billed 35-50 a month and have never used it.Desired Settlement: Cancelled service NO termination fees.

Business

Response:

Hello,To begin, there is no cancellation fee on the contract. The account is still currently active, if you would like to cancel, please contact our call center at ###-###-#### or myself directly at ###-###-#### for assistance. With regard to pricing concerns, there is a PCI (Payment Card Industry) compliance that needs to be fulfilled to help reduce costs. I have emailed this information to you. Pricing concerns can also be further addressed directly by your agent office if you contact us. Please let us know if we can be of further assistance, the best solution can be acquired by reaching out to us directly.

BEWARE!!!! I was shopping around for a new merchant company, thought I might go with this company. Got as far as giving them my bank info, but never heard back from them on purchase of a machine, so I could actually use their merchant company? I was shocked to discover they had proceeded to charge two months of merchant fees for a machine that never existed or was turned on.They promised me a refund, I never got it. Then when I blocked them from my bank they are now threatening to take me to collections!!!! Customer service was rude, yelled at me, and basically laughed at me when I told them I was going to contact Revdex.com. . STAY AWAY!!! [redacted]!!!!!!,

Review: We are an auto transport brokerage specializing in transporting vehicles to and from Alaska. We contracted this company's credit card processing services. They approved us for an account. We currently have clients trying to pay for the transport of their vehicles. Ipayment processed all of the payments and then proceeded to freeze our account....which they had just approved. Next they decided to confiscate all monies in the account. I told them if they thought these were invalid payments I granted permission for them to contact all of the credit card and banks to verify payment. They never called a single company (ask for phone records), our clients need to receive their vehicles in Anchorage, their money is frozen in our account. We recommended that they refund all of the charges and they have refused. When we asked where in their contract was a clause granting them permission to take any of these actions, they said they would send us a letter in the mail and that they could hold all of the funds for up to 6 months. We have still not received any letter or corespondence from Ipayment. Our clients need to get their vehicles but this company has STOLEN all of those funds totaling more than $11,000. Now we cannot access the funds to pay our trucker who we need to pay in installments. I wish to know how to proceed against this company's unlawful actions. Any help woud be greatly appreciated.Desired Settlement: Full refund of our clients' payments so that they can then pay for their transport.

Business

Response:

This account was opened 2/10/14. Our Risk Department got involved and began reviewing sales that came through on 2/13/14. There was a hold that was placed on the customer’s funds however refunds have already been issued for each of the cards that were processed. There is no longer a hold on those sales.

Review: In December of 2013 I hired iPayment, Inc. to do my Credit Card Processing for my Company, Apex Products. I made many transactions successfully, and was content with them until it was time for them to pay me. When I noticed no direct deposits were being made into my Bank Account, I was referred to Star Gloria Adams to find out the reason why. I was told my payments were being held 180 days from the date of my last sale. I asked why, and she told me this was their practice to make sure all of my customers were happy with the products they purchased. You could imagine I was quite unhappy, I've had many happy customers since 1998, but I accepted this, decided to be patient, wait until mid June of 2014 to get my money iPayment, Inc. owes me, and switch to another Merchant in the meantime, whom I'm happy with now. Going back to December, 2013 I was sent a 1099-K form from iPayment, Inc. showing earnings of $1249.30, yet the amount deposited into my Bank Account was only $341.87 from iPayment, Inc. They 1099'd me for an amount nearly 4 four times of what they paid out. Obviously, a large discrepancy exists in the amount of money I was entitled to, verse the amount deposited for this 2013 period. This leave an owed balance of $907.43. I have records and proof off all documents needed to prove my case is just.Desired Settlement: Balance of $907.43 is given to me.

Business

Response:

We have reviewed the customer’s complaint. We are showing $1,249.30 in processed transactions however it looks as though the balance decreased over time as charges were incurred. I have attached the listing of fees the customer was charged. We have submitted a request to review the annual fees you were charged, if approved I will be submitting a check request for the difference.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10202501, and find that this resolution is close to satisfactory to me, but still a low-ball.

Regards,

Review: We called in august and terminated our account. Our last charge was to be Sept. 3rd for 99.90. I noticed they took 69.90 on 10-3. When I called to question this, they told me they never received the closure form. I was never told I had to fax in a closure form. They said they sent one. I said I never received one and had I, I would have called them-since I was never told I needed one and regardless would have sent it out and mailed it back-I asked them to waive the fee since they misinformed me they then told me no they already waived my early termination fee which was also a lie which they quickly backtracked when I called them on it, because contractors are not subject to that. Anyway, now they say I still have to fax them this form but it takes 30 days and I will still be charged with November. They also said they will not refund us because it was our responsibility to call for the form I never knew I was supposed to get or received anyway-I have never had any problem receiving their bills in the mail or any of their emails but somehow this "form" that was "sent" was somehow never received by email or postal service? I want my 69.90 back from October and a letter from them stating they will no longer take any more money from my account, that my account is closed and they will destroy any bank evidence they have on my business. I understand I am clearly not the only company this has happened to. I thank you for your prompt attention to this matter and appreciate any assistance you can give me. Thank-you and have a wonderful day.Desired Settlement: 69.90 for october billand no further money taken

Business

Response:

The merchant account was approved on 02/09/2012 per receipt of the signed application and agreement. The merchant did reach out to Merchant Services on 08/06/2013 regarding closure. The merchant was given the proper closing procedures and advised that a signed closure request was needed to close the merchant account. Per the terms and conditions of the agreement and for the banking institutions verification a closure request with authorized principal’s signature is needed to close the account. A closure request was received on 10/16/2013 and the merchant account was closed. There is no early termination fee per the application signed. As a courtesy a refund will be processed to the merchant’s checking account on file for the September 2013 month end fees totaling $69.90. iPayment does not know of any further issues with the merchant account.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9760840, and find that this resolution is satisfactory to me. However, the business just emailed me regarding the refund and it does not add up to the amount of $69.95 they said I would be refunded. Per their email, I am only being refunded $34.90.I have attached a copy for your review.

Regards,

Review: I requested my account to be closed with this company in March 2014. They finally closed my account in May 2014 after calling to complain because they continued to charge a monthly fee, automatically withdrawing the money out of my bank account. It took them two months to close my account.Now, 8 months later, they took another $64.50 out of my account without notifying me. I had to ask the bank who was withdrawing money out of my account. Much to my surprise, it was the Integrated Card Service. I called to find out why. They told me I had to pay a compliance fee for the first five months since I had not closed my account until May. EIGHT MONTHS after I closed my account, they are not only charging me a fee, but they did not notify me they were withdrawing money from my account. I believe this is a scam. How many more times is this company going to withdraw money from my account for some senseless excuse.This should be illegal.Desired Settlement: I want $64.650 refunded and deposited into my account.

Business

Response:

Mr. Copelan,THe $64.50 charge was a pro-rated cost for the PCI (Payment Card Industry) Annual Fee which is $129.00 for the year. It is charged in the November and December billing cycle, Ms. [redacted] had paid it previously as well during the life of the account, this was a valid charge.In this instance, I have requested the $64.50 refunded per Ms. [redacted]'s request. Customer satisfaction is paramount to us, we believe this should resolve the matter.

Review: This credit card processing company is a scam. They advertise that the charges will be $7.95/month along with their standard processing fee for credit card transactions. However, after the first month, the charges were $30, $70, $120, or even more per month. After several attempts to close the account (multiple months in a row), someone finally send a closure form to me. After submitting the form, I have been charged an additional TWO months of charges (over $100). Today, I was told they have at least a 30 day processing period to close accounts, and they will charge for an entire month of fees and will not prorate. What a joke! Please DO NOT use this company!! I am having to CLOSE my bank account just to make sure they do not steal any more money from me!Desired Settlement: I would like at least the final payment of $70.90 refunded. However, I believe their fradulent practices warrant a FULL refund of all monies that I have paid to them. I have NEVER been so dissatisfied, nor have I ever been so PATIENT with a company who clearly committed fraud.

Business

Response:

The merchant account was approved on 04/15/2013 per receipt of the signed application and agreement. All fees billed were disclosed via merchant agreement, signed application and monthly statements mailed to the address of record. A copy of the signed application will be mailed to the merchant for their records. The merchant did send in a closure request on 08/16/2013. Due to the delay in closure a refund will be processed to the merchant’s account for the September 2013 month end fees totaling $70.90. The merchant should allow 5-7 business days for the refund to post to the bank account on file. The merchant account was closed as of 10/10/2013. iPayment does not know of any further issues with the merchant account.

Review: [redacted] who represents Card Payment solutions/ipayment Inc. came in to my business with an advertising flyer saying we moved in to Houston and offering $500 dollars from his company if his company that he represents Card Payment solutions could not beat the credit card rates that my other credit card company charges. I gave him one of my older statements and he return with a proposal and we agree on a 3 month trial basis. He ask me to sign a contract and I said this is a trial only and I did not want to sign a contract. He set me up with a free machine and after one month the fees were 2X higher than my original credit card processing company. He called his boss and we spoke on the phone and he said give us a chance to make it right for you so he lower the rates again. I process another month with the company and my fees were still higher and on top of that I got charge a pci compliance fee when James stated that our machines are pci compliance. I called the company and they said I would have to pay a $350 dollar contract termination fee. I went ballistic on the phone with Bo at customer service and he tried to give me a lower rate again. I told him NO just cancel my contract an I will write a complaint on your company. On June 21, 2013 I spoke with John at customer care and try to resolve the situation and he inform me about the cancellation fee and there was nothing on the notes about a trial basis and he could not do anything for me. I guess I got suckered in on a scam with a bait and switch by trying their services even though I did not sign any contract with cardpayment solutions.Desired Settlement: I would like them to refund my $350 dollar termination fee and the $39 dollar pci compliance fee.

Business

Response:

The merchant account was approved on 03/28/2013 per receipt of the signed application and agreement. All fees billed were disclosed via merchant agreement and month ending statements mailed to the address of record. The merchant is responsible for the early termination fee as was disclosed on page 3 of the signed application. The application, agreement and proposal do not state this was a 3 month trial set up. The PCI compliance fee was also disclose on page 2 of the signed application and agreement. A reminder of the PCI compliance annual fee was also sent to the merchant via the April 2013 month end statement. As a courtesy iPayment will waive the early termination fee. The merchant account is now closed. iPayment does not know of any further issues with the merchant account.

Review: First of all lets set the record straight. I never signed up for their service, nor did I ever contacted them to do business with. February 2014 I opened a business license in Washington State to do business as Churchel Dialysis Clinic LLC. Through the Department of Licensing website. Which I have no building nor business bank accounts set up yet and it is April 2014. I am waiting for my investors to come to the states first and foremost. So no need to ever enter into a contract with a merchant credit card company. March 2014 rolls around and I see 3 transactions on my fathers account that I have power of attorney over to do his bills with. I notice 2 transactions at $15.90 and 15.90 also another of 5 dollars on about 3/04/2014 I wrote to the bank to inquire what these transactions where and they replied back that it was a Dialysis Center's bill. I thought to myself that my father is in dialysis then it is probably legit. After further thinking about it, it dawned on me in April when another 3 set of transactions showed up that my father's dialysis is paid through the Vetrans health care system. So no money should be taken out. These totals where $40.90, $40.90 and $20.00. I inquired to the bank again they sent back saying it was Churchel Dialysis Clinic LLC doing the charges. I instructed the bank no way could that happen I never opened a bank account or merchant account with any business yet. They told me the facilitator was Wells Fargo, I called them up and talked to them for 30 minutes to find out that they where not the ones doing it. I told the bank to stop futher transactions they said since it was a corporation I would need to fill out an affidavit. I said sure send me one. I then received mail from American Express saying congratulations on a merchant account. I called them they said ipaymentinc.com was the one facilitating it and gave me their number. I called them up they said I opened the account, although number they gave me was not mine it was an international comp.Desired Settlement: They need to refund the funds that they took out of a 3rd parties bank account. The transaction was fraudulent from day 1. The online application according to them was filed from Berkley California, I have never been there nor know anyone from there. They said I did it with an Iphone and I don't own a cell. The number they gave me that they said contacted them was a phone company out of Marysville Washington a international telecommunication company. After 15+ hours arguing on phone its over.

Business

Response:

Upon review of the complaint I do show 3 accounts were opened in February. There were no transactions put through on the account and the client took proper action and filed a police report. We have processed refunds for each of the 3 accounts that were billed. The first set was refunded 4/18/14 and the next set for the remaining 2 accounts was done 4/28/14. Please let me know if anything else needs to be done. Each of these accounts have been closed and no further charges will go through.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10018221, and find that this resolution is satisfactory to me. Unfortunately the time to get the money back was twice as long as they made me out to believe. Then had me jump through several hoops to get it back. I still will not recommend them to any of the people I know.

Regards,