iPayment, Inc.

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.

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 draft $350.00 out my account after I canceled merchant services on the 7th day of my 30 day cancellation time frame. They admit it was their mistake but I have not gotten my $350.00 back. I would like for the Revdex.com to help me get my Money back. ASAP!!! These people took most of my grocery and car payment money and left me and my children helpless, hungry, and devastated. HELP ME PLEASE!!!!!!!Desired Settlement: I want my entire $350.00 back

Business

Response:

The merchant account was approved on 05/24/2013 per receipt of the signed application and agreement. On 06/06/2013 a signed closure request was received from the merchant and the merchant account was closed. The merchant placed a call to iPayment on 07/17/2013 regarding the early termination fee billed. The merchant was advised to send in the bank statement showing the debit had cleared their bank account so the refund could be reviewed. The statement was received and forward to the merchants independent agent office CardPayment Solutions for approval. The approval for refund was received from the agent office on 07/23/2012 and the refund was processed to the merchants account. iPayment does not know of any further issues with the merchant account.