iPayment, Inc.

From the get go there have been so many issues with this company. Starting with telling them I had to take American Express. They said I would be able too. Had to go through a bunch of calls, emails, faxes to get that straightened out. Even though I signed papers with all the fees. Two times they deducted money from my checking for fees not on my contract(cps fee and a yearly fee). It took alot of phone calls and emails to get resolved. I have done business with 2 other card processors, never in my 9+ years in business have I had such trouble with a card processor. Beware. Glad I only signed a year contract. I would not recommend this company to anyone. I have only had this company for about 30 days. I called my sales rep to let her know of all my problems with the company,she let me know she is quitting because of all hassle she has to go through with them. Nice. She could have let me know that before she talked me into doing business with them. All around a bad experience.

Review: iPayment has charged me a $30 fee for PCI non-compliance but enforces a standard other than the official standard I agreed to comply with. I am expected to comply with the PCI 3.0 standard. I purchased a PCI 3.0 standard compliant device from them to ensure I was compliant. As long as that single device is my only device then I am PCI compliant. The point of the standard is that points between the device(card reader) and the processor are secure, and the point of the verification is to determine that there is no way to access the raw data from the card reader pursuant to the 3.0 standard. So once again, as long as the only card reader is the vx520 then the verification process only applies to the card reader. The 3rd party ipayment has engaged is testing my LAN which would be relevant if I used, for example, a card reader on a PC POS system. In that case the POS register might transmit card data to the POS server via the LAN. But since the PCI 3.0 compliant vx520 deviec is the card reader and itself encrypts the raw data before it enters any network, there is no compliance issue. It is already assumed that there are insecure parts of the network between the card reader and the processor, so there is no point in testing my LAN when the card reader itself is PCI 3.0 compliant. Someone is a big mn for not thinking this through....Desired Settlement: $30

Business

Response:

Upon reviewing the customer's complaint, we did agree to refund the $30.00 they were billed as courtesy. The refund was put through on 5/19 and should be available in the customer's bank account.

Consumer

Response:

Review: 10054376

I am rejecting this response because:

I understand your desire to move on these things, but this is hardly a simple issue, I have put several hours into a reply so far, it was a holiday weekend, and I was out of town part of this week. This issue is anything but resolved. They are attempting to assess a $30 fee per month that I allege they are not entitled to, so a "courtesy" credit for one month that does NOT acknowledge the core problem or provide a solution to it is NOT a resolution. Here is the start of the letter I am writing to the US Attorney General and the PCI council. It is completed enough to give you an idea.

I am writing to bring to your attention the following issue in hopes that you can mitigate the issue and curtail the extortion of millions of dollars from many small businesses across the Country. Credit card processor iPayment is processing recurring debits of $30 to some of their more than 100,000 customer's checking accounts as a penalty fee without first providing specific advance notice of their intent to do so. They claim a right under the terms of an agreement that also compels their customers to be PCI Compliant. However, in many cases iPayment has sold equipment to their customers that was described as PCI compliant equipment.

Review: This company acts as a processor to the credit cards that I accept online. They have taken funds out of my bank account and refuses to put the monies back,and they are holding the funds. Their representative has terminated my account and they are still taking funds out of my account.They have refused to talk to me or due any communication.The total amount of this transaction is 2388.00 and the other amounts taken $339.14 and $250.00 for termination fees that they terminated me, I did not leave them.And this all came about from me taking a large transaction than I was supposed to, and they reached out to me and said that I would have to do an increase form to take larger amount which I did and they still took my monies even thou I did not have any of my customers do a dispute.And they told Authorize. net they will continue to hold as long as they want!Desired Settlement: The $2,388.00 plus $339.14 and $250.00

Business

Response:

The merchant

account was approved on 04/03/2012 per receipt of the signed application and

agreement. The approved limits on the account were $2,000.00 monthly and a per

transaction amount of $40.00. On 05/10/2013 funds were held per the terms and

conditions of the agreement. The merchant processed three sales for a total of

$4,388.00 which were well above the approved monthly limits. The merchant was

advised to send in necessary documentation for verification of sales. After

further review the merchant was advised that refunds would need to be processed

back to the cardholders for the transactions and that any additional transactions

would remain on hold. The merchant was given specific reasons for the holding

of the funds and the closure of the merchant account. The early termination fee

rejected and was not paid by the issuing bank. iPayment will waive the early

termination fee as a courtesy. However the merchant is responsible for the May

2013 month end fees for all transactions processed through the account. The

merchant has been in communication with iPayment as of 06/20/2013 regarding a

return that needs to be processed back to the cardholder for $2,388.00. The

account has been re opened so that the return may be processed. The merchant

should continue to work with iPayment to ensure the return is successful.

Consumer

Response:

Review: 9586754

I am rejecting this response because:

Regards

I have been calling for over a month now and since I have written to Revdex.com that's when they have decided to answer my phone calls. It was so convenient that the person

that opened the account is no longer working there neither the manager who was suppose to change this account to $5,000.00 a month and $150.00 for transactions.

Review: We had a sales representative come by our shop from merchant links, trying to get my company to sign up for there service using I-payment. We filled out paper work told the sales rep to come back the next day and we would discuss rates. The sales rep came back the following day we couldnt come to a agreement and he said the contract would never be turned in. To mnyh dissapointment my company started getting ACH withdrawls from our account from I-paymment for $30.00 for monjthly service and a $35.00 non pci compliance fee. We never agreed to have a account and we called to inform them of this. I thought everything would be taken care of becuase they seemed like they understood and refunded my money back into my account. The following week I recieved another debit from my account for $495.99 for a early termination fee for a account that I never to agreed to open up. The sales rep has verified that I never had a account and should have never been opened. I-payment is not refunding my money and now 1 month after canceling with I-Payment I have another debit out of my acount for a compliance fee of 159.00 for a account that I dont even have. This company is commiting bank account fraud and needs to be stoppedDesired Settlement: I would like my money refunded to my business account and stopp payment on all future transactions out of my bank account because I dont and have never had a account with this company.

Business

Response:

Hello,We are sorry to hear about these issues. It looks as though your conversations with customer service have already resolved your complaint. The cancellation fee and PCI fee were discussed on being refunded.Good luck to you in your future endeavors.

Review: In August of 2014, we cancel our subscription with this CC billing company, my husband faxed them the letter and [redacted], of customer service, said we were all set, the company would not be billing us anymore. For the next 4 month, they took small amounts out of my business checking account, it is my fault I did not catch them earlier. For January, they took out a 57 admin fee, when I called, the woman told me that we had not submitted the right form and basically we had to prove it and when I said I would be filing a complaint at the bank, she dared me to because she said they would just send the original contract to them and that would be enough for the amount to be billed to me. I went to the bank and had them sent the fax so I could fight next month charges, but I want the last 4 months of fees put back into my accountDesired Settlement: The last four months of fees put back into my account

Business

Response:

Hello,Thank you for bringing your concern to our attention. We received the closure form on 1/27/15 and I requested it rushed today. After reviewing your account, I have requested a refund for the previous 4 month charges totaling $79.83. We appreciate your understanding and patience while we conducted this review. While the fees are valid, customer satisfaction is vital to us. If you have any further questions, please contact me directly at ###-###-####.Sincerely,[redacted]

This has to be one of the worse companies I have ever dealt with. They are rude and arrogant. I received a call last week that someone was trying to put fraudulent test transactions thru my online site...they were declined but still were hammering my site with test transactions trying to find a working credit card combo. I received a call stating exactly this, " Consider yourself warned. If the declined transactions continue to happen, we will close your account. Call Authorize.net and resolve the issue."

I did exactly that. They told me to block those IP addresses. I did. Today I noticed the IP addresses changed and they tried again with 15 declined transactions. I immediately called my gateway company and shut down those addresses as well as tweeked some more fraud protection stuff. so tonight I get a very unpleasant and downright rude phone call from Amy at IPayment. I was "warned" and my account is now closed. I did everything I could...what else was I supposed to do? Terrible Terrible Company!!

Review: This company is holding $3067 of my funds. We own a small training program. upon opening the account thru creditcardprocessing.com. within 2 days they hold up our funds stating they need to verify the credit card transactions. I sent them all 5 of my clients and I personally called each one of them to exaplain what was happening. This conpany IPAYMENT has tried to take additional fees out my personal bank account causing additional charges of more than $500 to my account. This has really destroyed me as a small business. I dont believe this company has an "A" with Revdex.com. Iinformed them the that I would be filing a complaint with Revdex.com, Attorney General for all 50 states, and the federal reserve. This company is not legit. Please help me resolve this matter and prevent this from happening to others.Desired Settlement: I would like all my funds due to me $3067 in addition fees due to me for NSF returns because of ipayment

Business

Response:

This customer’s account was opened 4/29/14. Shortly after the account opened we received an alert regarding the business’ history, we also were alarmed that an $8.81 monthly charge was rejected from the customer’s bank. Due to the issues early on we held the funds the customer processed and requested documents to verify funds. After completing the review, the funds were placed on hold for 60 days and we decided to close the account due to Risk issues. The customer will indeed receive their funds after the 60 day hold.

Business

Response:

This customer’s account was flagged by our Risk Management

department. We did place a hold on the funds for review and also to cover any

card holder disputes that may occur. The monthly fees on this account did

reject when we attempted to bill which is why we hold the funds to cover any

costs for disputes that may come through. The review process is set as a 60 day

hold. Unfortunately, we are unable to shorten the length of the hold.

Consumer

Response:

Review: 10040924

I am rejecting this response because: I would like a specific date as to when funds will be released in my bank. I have no charge backs. I payment has not responded to any of my emails.

Regards,

Review: I am a new small business, and these people do not keep their end of the contract.And I can never reach them to talk to anyone. DO NOT USE Them.. I OPened a CHristian Store 4 months ago, and was new at this and need to find a payment card Company, I called IPAYMENT, told they were good. They offered so many good things and one of the things they offered was my payment would be in my business accout the next day ,Promised. Never got a contract from them that should of sent up the flares to stay away, but I was opening in less than a week... Biggest mistake I ever made, some times I wait 4 or 5 days to see the money in my account, and I need ever payment in there the next day. I have tried clling andd talking to a live person, but eith get put on hold for a long time, never talking to a person, or like today they are not excepting phone calls. They are causing nothing but problems with Been Set Free, my business. I want ot get out of the contract because they do not ever keep up with they end of it.Desired Settlement: I want out of the contract so I can find some business that is on the Revdex.com List . and I want the money I have spent on them the last 4 months refunded to the Business. Thank you for your time, Rebecca Johnson Been Set Free

Business

Response:

The reference merchant account was approved on 06/13/2013 per receipt of the signed application and agreement. This customer has processed transaction on the account starting on 6/17/2013 through 11/25/2013. Our customer service group has support to this customer on several occasions including terminal support troubleshooting, IRS TIN validation among other topics during the life of the account. The monthly statement fees are valid as there is activity on the account. Furthermore we will close the account moving forward.

Consumer

Response:

Are they agreeing to stopping the agreement?? If so,

I just want to make sure that I am not charged a penlty for closing the agreement, and are not fined in any way. I owe nothing to them... I need a written acceptance to these terms from them. Thank you for you assistance in this.

Review: 9820340

I am rejecting this response because:

Regards,

Rebecca Johnson

Business

Response:

We will waive the early termination fee on this account as a courtesy . The processing account will be closed by end of business today 11/27/2013.

Review: When I signed up for this service I asked specific fee questions as I was looking for the one credit card service with the lowest fees. They told me NOTHING about all the fees that would only be noted on the statements that come only once you sign up and use the service. $129 annual fee, a fee for not filling out some online survey I knew nothing about and now a new one for $25 if I don't use the account at all for the month. The only monthly fee I agreed to was the 7.95 monthly fee. I sent in my notice to close account and now they are going to take 30 days to do so and charge me as my account won't be active. I spent more money than made because of all their stupid HIDDEN fees. I believe they were completely dishonest.Desired Settlement: I want all my assessed fees about the 7.95 and percentages taken out for the actual charges refunded. I asked Amanda my initial representative who is no longer there when I signed up and nothing was said about and annual fee or I would have NEVER signed up. I can't afford that!

Business

Response:

The merchant

account was approved on 02/20/2013 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 $25.00 monthly minimum

was disclosed on page 2 of the signed application. The PCI compliance annual

fee of is disclosed on page 3 of the application. A reminder was also sent on to

the merchant on the April 2013 month end statement. As a courtesy the PCI

compliance annual fee of $99.00 will be prorated for the 4 months the account was opened.

A refund will be issued for the remainder of $66.00 to the merchant’s checking

account on file. A copy of the application will also be mailed to the merchant

for their records. A closure request was

received on 06/12/2013. The account is now closed as of 06/21/2013.

Review: I had two pet stores one located in Hornell, NY and the other in Wellsville, NY and I was using ipaymen to process my credit cards for both of my stores and in July of 2013, I made plans to close my business in my hornell store and one of my employees ([redacted] Learn) wanted to open her own pet store in the same location, so I contacted ipayment to find out if [redacted] could finish out the term of my contract with ipayment, so I would not be charged any early termination fee and so [redacted] could assume the location and the credit card equipment the very next day that I ended my business there and not miss a beat. I did get the ok from ipayment to do this and [redacted] and I followed ipayments instructions and filled out the proper paper work and filed it with ipayment as instructed to do. I closed my business at 24-26 Seneca st., Hornell, NY on July 31, and [redacted]'s business, Over The Bridge Pet Supplies open at the same location on August 1, 2013. There was a glitch in the first few weeks with getting the account with ipayment out of my name, but after numerous calls to them by both Myself and by [redacted], they finally got it changed over in [redacted]'s name. One year later I receive a bill from ipayment (merchant services) with a monthly bill for the account that was supposed to be closed over a year ago. I and myself have made numerous calls to ipayment (merchant Services) questioning this and all we can get out of them is that I never closed that account and if I wanted it close I needed to fill out a form requesting that the account to be closed, and when I asked about a refund of all of the funds that they have been collection from me on a closed account, they said no refunds and that's that.1)I got them a new customer 2)I still am their customer 3)I trusted them to close that account and they assured me that there would be no glitches 4)The two agents that [redacted] and I worked with are no longer there and there have no record of our paper work or the notes..Zero activity on that account also.Desired Settlement: I want all of the charges and fees to be reimbursed to me from August 1, 2013 until current date. I will file another closure form, but I didn't want to do that and have ipayment (merchant services) use a new closure form filled out by me and say by me doing that, that I was in some how accepting that I would not be receiving any reimbursment of the money that they have stolen from me and my business.

Business

Response:

We have reviewed the customer’s compliant. I am showing we spoke with the customer initially in June regarding closure on their account. We agreed the Early Termination fee would be waived and the last 3 months of fees would be refunded as courtesy upon receiving the closure form. The customer was also aware we never received a closure request prior to this initial call and we advise we can review for further refunds if the customer had proof of sending the closure from a previous date (fax/email confirmation). We did attempt to email and call the customer to advise the form had not been received and that the account was still open. As the customer mentioned they did not send in the form. At this time the account is still open, I have attached the closure form needed to process the request. Once this is received we will agree to the initial terms and refund the last 3 months and the Early Termination Fee will not apply.

Business

Response:

We have reviewed the complaint. We are willing to honor the original offer of 3 months of refunds and the additional months request has been delayed, which looks to be since June. We still need a closure request form to be sent in as all requests need to be in writing. I have reattached the form which needs to be completed and returned to process the closure. The refund offer will still stand, we need to closure form simply to stop the reoccuring monthly billing.

Consumer

Response:

Review: 10222708

I am rejecting this response because: Merchant Services have stolen money from my store since August of 2013. Your Agents did not do their Job properly and I have to pay for that. You people have no answer as to how you could reprogram my terminal into another business's name if you didn't receive my request and/or permission to do so. Explain this. Your response's do not address my questions and you just keep saying the same thing over and over again. Please explain to me how my terminal got programmed for another store without my consent, seeing's how you say that you have no record of me contacting you people about this? I will send the request to cancel this account once again. I am very surprised by the runaround that you are giving me, Please explain how you can justify your actions.

Regards,

Review: In June I was contacted about signing up with Century Payments by L[redacted]. Once I signed the contract she left the company. I tried to set up my old terminal multiple times. I would go to work early, and no one would call. I never received a new terminal either. In July I find I am being charged by "Bankcard" on my checking account. I call and tell them what has happened. They say they are going to return the fees, and that they will cancel the account. They kept charging me until January when I put a stop on the monthly fees, and a 350.00 cancelation fee. I told them in the fall again that I had received no services yet I was being charged. Now I am trying to get my 650.00 in fees back, and to have the 99.00 and 350.00 I stopped payment on waved. No one will return my calls or emails. I have also been in contact with payment multiple times. This company does the processing for Century Payments. I keep calling ipayment , and I am always told I will be called back. I never receive call backs. They told me today that the collections fees were valid.Desired Settlement: I would like the approx. 450.00 in fees I stopped payment on to be waved. I would also like the approx. 650.00 in fees to be returned to me.

Business

Response:

The termination fee on this customer’s account has been waived along with the December monthly fee that a stop payment was placed on. This customer does not owe us any fees moving forward. A request has been placed to refund the remaining fees to the merchant. This will be reviewed and submitted to their account in 7-10 business days.

Business

Response:

We have resubmitted the request for the refund, I am unsure why it did not process with the bank. This will be sent out tomorrow for processing.

Consumer

Response:

Review: the company keep deducting money as transactions fees without me processiing any credit cards, I called many times to resolve the issue, I never got a response, they are charging me fees that are not in the contract, they are affiliated with a company called flagship, recently that company is holding amount of $ 2270 from a transaction that I processed without any reason or any dispute from my custmer, and the manager is not cooperating and refuses to deal with the issue, plus she is very rude and not professional. It has been over a month that I am trying to resolve this matter with them, they are ignoring me and keep deducting unknown fees from my bank accountDesired Settlement: I want them to refund the fees they deducted, and release the amount of 2270.00 to me that they are holding over a month now. and I demand professional responses and better custmer service.

Business

Response:

Mr. [redacted]h’s account was approved on 06/28/2012 per receipt of the signed application and agreement. The approved limits on the account are $8,000.00 monthly with a high ticket amount of $1,000.00. On 09/04/2013 funds were held per the terms and conditions of the merchant agreement. The merchant processed a transaction for $1,500.00 above the approved high ticket amount. The merchant was asked to send in necessary documentation for verification of sale. On 09/10/2013 a call was placed to the merchant to discuss funds held. The merchant was advised that iPayment could not work with the transaction and specific reasons were given to the merchant. The merchant was advised that a return would need to be processed back to the cardholder for the $1,500.00 transaction. On 09/15/2013 the merchant ran a second transaction on the same card for $707.98. Again the merchant was advised that iPayment could not work with the sales and returns would need to be processed for both transactions. Funds will remain on hold to offset the returns the merchant will be issuing back to the cardholders.

Review: My parents are doctors and attended 27 medical conferences this year, and 26 of them my Dad used a similiar company to handle the credit card transactions for our booth with swipe on our cell phone, we had little problems with it. My Dad decided to use ipayment at our last medical convention and we had nothing but technical issues with making credit card transactions, and made us use our original company, we lost a lot of bussiness because of the delays the technical issues were causing. We had made $12,000 in transactions on our original swipe pos, and $15,000 of transactions on ipayment. Ipayment would not give my parents their money, saying that they didn't know them and they need to make sure our customers won't return their purchases and they were going to hold the $15,000 of my parents money for 6 months. After 2 days battling with ipayment to release their money they released $6,000 and still holding the remaining $9,000. Not only that but some transactions said they went through initially but after we got home my parents noticed several missing transactions that we had paper receipts for the money is just not there in the transaction history, but we all remember these particular transactions going through. This is totally unacceptable. In my opinion ipayment is guilty of extortion. The Revdex.com should not back this horrible company. Their business etiquette is shady enough for me to believe they are scamming their customers and embezzling our hard earned money. They need to be investigated thoroughly, and release my parents $9,000 immediately. There is no reason to put a hold on their earnings.Desired Settlement: ipayment release my parents money, and a written apology to my parents for causing unnecessary financial stress, and deplorable customer service, and find the missing transactions that we have paper receipts for, if they can't find them, then reimburse my parents the missing money.

Business

Response:

Hello,With regard to the concern of funds being held, the funds being held in the amount of $17,343.15 were released 12/30/14. These funds were held by our risk department due to security concerns regarding the transaction. Since this issue, the approved monthly volume has been increased to avoid future issues. This should resolve this concern. With regard to missing transactions or other account concerns, please contact us at ###-###-#### for assistance with the account, or you can reach me directly at ###-###-####.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10357968, and find that this resolution is satisfactory to me.

Regards, ,

Review: I entered into an agreement with this company to handle credit card transaction. After entering agreement I learned they cap the amount of money that can be transacted by them. The following transactions from my bank account below show they credit money into my business account after a transaction and took it back out the following business day.

Date: 06/20/2014

Transaction amount: $2,400.00

Deposit amount (Credit): $2,362.08

Transaction number: 140620-4[redacted]33797

Date: 06/23/2014

Debit amount from the account: $1,000.00

Debit amount from the account: $1,400.00

Transaction number: 140623-4[redacted]33797

After the customer compliant through his credit card provider because services weren't rendered because the money was taken out of my account as indicated above. On July 14 Flagship debited my account for $2400 which was not their money because they debited my account in 2 transactions on June 23. It was the amount money they deposited to my account on June 20 . They have taken money which is not theirs. I contacted customer service who promised my money would be returned and 5 months later I still do not have.Desired Settlement: I want the $2400 that was taken without approval and rightfully deposited back into my account.

Business

Response:

Please move this complaint to iPayment's profile. The decision regarding the holding of the funds for this merchant is made by the Loss Prevention/Security Team of I-Payment. Flagship's role in the sales process with this merchant is to explain the rates and fees associated with credit card processing and the equipment used for said credit card processing. We then assist the merchant through the application, underwriting and boarding process of their merchant application and merchant account install. At that point, they have a merchant account with I-Payment and all debiting and crediting and holding of funds are handled and determined by I-Payment and we have no control over such decisions.

Business

Response:

Hello,Unfortunately, we cannot give you the $2,400 because we do not have it, as previously stated it was charged back by your customer due to the reason of non-receipt of merchandise. You will have to reach out to the client if you are trying to acquire payment, from our end the customer claims he did not receive the merchandise and you did not provide supporting documentation that he did. Thank you for your understanding.Sincerely,[redacted]

Consumer

Response:

Review: 10307660

I am rejecting this response because iPayment is clearly not acknowledging the detailed information I provided such as the dates and credits and debits from my business account. We're requesting an official audit of the transactions based on the information provided previously and listed below. Where are their facts to prove their actions. They have taken money that was not their and the transactions show that:

Review: On July 3, 2013, our company 8AM Public Relations utilized iPayment, Inc.'s services to process and collect a credit card payment from an 8AM client for $1000. As this was not the first time using iPayment to process this client's payment, we did not foresee any problems. On July 5, I was notified that there was a discrepancy on regarding our client's billing address and to call to verify it. This call was made along with faxed information reflecting the client's signature and written address on the credit card authorization form. iPayment then stated that they would need to speak to the client personally. The client then called and left a message for Brad at ###-###-#### as instructed, however the payment was never deposited to 8AM nor returned. After over two weeks of no return calls as requested from Brad or iPayment, or return calls from a supervisor, I called to have the client's payment refunded as it should not have taken 14 days to process one payment. After securing the refund, I then cancelled the account with iPayment. As of today, Aug 5, 2013, I am not told that the client's payment will not be refunded until I reopen the account with iPayment and continue the refund process, thus incurring additional fees for a payment I have never received.8AM has never been paid for services it has rendered for the month of July. iPayment is currently holding this $1000 payment and thus causing 8AM financial harm.Desired Settlement: Client's payment needs to be either refunded to the client or deposited into the 8AM business account as per the contract with iPayment. Funds have are currently being unreasonably held by iPayment since July 3, 2013.

Business

Response:

The merchant account was approved on 05/31/2013 per receipt of the signed application and agreement. On 07/06/2013 funds were held per the terms and conditions of the agreement. The merchant was asked to provide documentation of sale for random verification. Several attempts to verify the transactions information were made with no response from the issuing bank or cardholder. On 07/17/2013 the merchant processed a return back to the cardholder and close the merchant account. The account was closed on 07/19/2013 due to the closure the return did not settle properly. The merchant placed a call to iPayment on 08/05/2013 regarding the missing return. After further review the merchant was advised that the return did not settle due to closure. The merchant was advised that the account would need to be re opened and the return would need to be re processed. The merchant re submit the return on 08/07/2013 and the transactions settled through successfully. iPayment does not know of any further issues with the merchant account. The merchant account is now closed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9652181, and find that this resolution is satisfactory to me. Several attempts were made by myself to speak with a representative, but was always told that only one associate could assist me. Requests for a manager were never honored and return calls from the assigned associate were few. Likewise, cardholder attempted unsuccessfully to reach assigned associate and her call was not returned either. I am relieved that this ordeal is now resolved.

Regards,

Company is holding over 1,880 of our companies money. They stated its because of the amount (which we was approved for anyway) and because it was punched in. We have verified all charges and the customers are happy. Company still hold funds.

Review: My current complaint is that this business has, for at least the third time, withdrawn unauthorized funds from my bank account. The larger complaint is that they misrepresented themselves to me from the beginning of our association. I had an initial discussion regarding a merchant services account where we verbally agreed to terms of my using their service. In the verbal agreement, they said I would be charged a monthly fee of $7.95 per month and a gateway fee of $10 per month. I was told there would be no set-up fees, no annual fee and no penalties. The reality is that they charge me $35.90 per month plus the $10 gateway fee per month. Two of the three unauthorized bank withdrawals were annual fees according to them, dated in May and September of this year. The other was insurance, which I neither requested nor wanted. Additionally, during the first phone interview they said I could get out if I wanted to. I specifically asked if the case was that I made no sales, could I get out. They said I could and did not mention any cancellation fees. I made no sales. After I decided to discontinue using their service, they informed me there would be a $250 cancellation fee. I told them I had no idea there was a fee and hung up. Later, I decided $250 would be better than $39.50 a month and called to cancel, well then they informed me the cancellation fee was $350. I was incredulous! Two other discretions from them include the fact that they never told me there would be a minimum of $1200 per month in sales, I would never have agreed to that. There was also an average ticket of $150 for my sales. That is ridiculous, I told them an average ticket would be maybe $15. I have tried many times to contact my representative, but he never answers the phone or responds to my voice messages. When I call the customer service line, they transfer me to him. I am getting no help. I request to have all of my money refunded and to also cancel their service with no penalties as they promised me. Thank you for your timeDesired Settlement: I wish to have all of my money refunded. That amount is $765.56. I wish to be removed from using their services with no further association. Thank you.

Business

Response:

We have reviewed the customers complaint. We are showing each charge was sepcified on the agreement, and did confirm the termination fee is listed as ($350.00 if cancelled within the 1st year of term, $250 for the remainder of the 3 year agreement). If the customer were to close their account they would be charged $250 not $350. If the customer wishes to proceed with the closure I have attached the closure request form needed to close the account.

Review: I cancelled IPAYMENT as my credit card machine payment system in both of my health clinics yesterday. They called my wife today and said since I would no longer be using them that I owed them 1500.00 for both of their credit cards machines that they issued me in 2009. This was bad in itself but in the past I have incurred additional fees. When I called and asked why??? They said that I was forced to purchase my machines even if I didn't want to. So I figured I already purchased them anyway. This is terrible business.Desired Settlement: Have me send the working machines back to them per what ever courier they want. I will pay the cost to send the machines back to them. And I will ensure they are packaged well.

Business

Response:

I have reviewed the complaint and spoke with the Sales Office who set this acount up. It appears the Sales Office has a cancellation supervior who has been in contact with Audry at the business to rectify the issue. If you have not come to an agreement and are in need of further assistance please let us know.

Review: charging monthly service fee, they never processed any cards for me nor do I have equipment for them.

In April 2012 and agent guess work with cardpayment solutions promised competitive rate and good deal on a new POS systems. When I received the POS's they were not what they promised. I called the agent and told him the POS's not what we agreed upon and I want to replace them or refund my money. They asked me to ship them back and had to pay for shipping and also they charged me restocking fees.

Now they charged me over $800 in monthly charges since April 2012. I called the customer service to get refund and stop the charges but the person answered told me you signed a contract and we wont refund the fees we charged you. I explain to him that I returned all your equipment and never had terminal for you guys and never processed any card for me and the deal got cancelled because your agent failed to deliver what was in the contract. The customer service representative didn't want to understand and kept telling me you signed a contract and we wont refund those fees and what I can do is to cancel your contract. I asked for supervisor but he told me no one is available.Desired Settlement: I need them to refund all the fees they charged me and stop and future charges since I have no equipment for them and they never process any payment for me.

Business

Response:

This customer’s account was opened 4/22/13. Per their signed agreement they were going to continue using their OMNI 3730 terminal but wanted to add debit so they purchased a debit pin pad from us. We do not sell POS systems out of this office and per the application the customer never signed up for such services. The customer never did not contact us for closure until 2/10/14. They were advised we need a closure request form which we have yet to receive. I have attached to the form we need in order to proceed with the closure.

At this time we are unable to place refunds for their past charges however, the customer is still under contract until 4/22/15 and we are willing to close the account without the $350.00 Early Termination Fee to stop future charges.

Business

Response:

Unfortunately we cannot take any responsibility/liability for any other company or any issues with a POS system since that is not something we offer nor that we sold to the customer.

As previously mentioned there was no terminal sent to the merchant. They purchased a pin pad and agreed that we would reprogram their terminal with our information. The pin pad was shipped out 4/23/13 and calls to program the machine were made between 5/2/13 and 5/9/13. When we could not get in touch with anyone at the phone number provided on the application, notification was sent to the sales representative for an alternate phone number which was never provided to him.

If there is no documentation showing there was a closure request sent to as at a previous date with a fax or email confirmation we are unable to provide any refunds. We will be processing the closure and will waive the Early Termination Fee.

Consumer

Response:

Review: 9924074

I am rejecting this response because:

iPayment, Inc is not recognizing the third party contract but they are happy to collect the signed document portion appealing to them through this third party. I understand iPayment, Inc aka Cardpayment Solutions don't offer or sell POS's but they shouldn't hang to the sign documents from crooked sale person who didn't deliver what he promised and we ended up canceling the deal with him.

Regards,

Review: This company has multiple names: iPayment, Merchant Services, and Integrated Card Services are three of them. Deceitful sales claims and practices. Salesman verbally indicated things that he knew I was looking for. Fine print in contract refuted that. Shame on me for not reading it all. But the salesman was "telling me what it said." What he didn't tell me was that he opened TWO accounts for me instead of ONE. He was charging me a monthly fee instead of "no monthly fee" that he verbally primised. When the company wanted a yearly fee, without authorizationthey they went into my bank account to extract it. They said their contract allowed them to do that. I cancelled the service. Several months later they went into my account again to extract $350 because "their contract allowed them to do that." In fact, they went into it 4 times in one day. All members of management that I spoke to were rude, mocking, and unyielding. It cost me several hundred dollars to get away from this company and I had to close my bank account to stop them from taking more money from it. Very unscrupulous company. Read the fine print instead of listening to the salesman. Better yet, DO NOT do business with this company at all. Deceitful, arrogant, and have no concern for their customers. I relied on the spirit of our agreement. They relied on a contract that benefits them, not you. I asked them if we could work this out. They told me to go pound sand. There are other companies out there. Use them. Leave this one alone or use them at your own risk.Desired Settlement: Refund the money they took from my bank account and the numerous $35 fees that the bank charged me for each time they went in to extract money and were declined. A fair and just settlement from them would be a refund of $49 (taken for fees and penalties), $350 (taken for canceling the account after I realized what they were doing), and $140 (partial repayment for bank charges of $35 each time they went into my account. Total $539.

Business

Response:

The merchant accounts were approved on 09/20/2012 per receipt of the signed application and agreement. All fees billed were disclosed via merchant agreement and month ending statements mailed to the address of record. The merchant had one account signed up as a retail account and a second account for mail/phone orders. Both accounts were closed on 01/02/2013 and on 01/29/2013 due to non-payment. The early termination fee was disclosed on page 3 of the signed applications. An attempt to collect the early termination fee was made on 02/26/2013 for $350.00. However the early termination fee rejected and was not paid by the merchants issuing bank. A second attempt was made to collect the balance owed for the early termination fee on 07/08/2013 and the debit was rejected once again by the issuing bank. The merchant currently has an outstanding balance of $174.00 for processing fees owed from November 2012- January 2013 and an outstanding balance for the early termination fee of $350.00 for the retail account. The early termination fee on the second mail/phone order account will be waived. The merchant is responsible for all fees billed as the account was utilized, monitored and serviced by iPayment. The merchant should contact iPayment to arrange payment for the balance currently owed. A copy of the signed applications will be mailed to the merchant for their records.