iPayment, Inc.

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!!

This is the worst credit card company ever! Don't fall for this "a" rating it's be! If I would of done a little more research on this company I would of never dealt with them! I just started my company and decided to process a medium transaction of $2200 its been 3 weeks! And they have a hold on my funds and won't release the it. I've called over 20 times to resolve this issue and all they do is put me thru loops and hoops to get my funds release continuing to ask for all types of different documents every time I call them which I have provided and I'm still struggling to get my funds back while my company is on hold for this transaction! I just should of taken a check and never dealt with this company if you're reading this stay away from this "company" it's a scam. If I don't receive my money in 2 more days I'm going to just have to get a lawyer!

I would recommend Debt Solutions to anyone who wants extremely good service, they are very helpful and you can talk to an officer of this company and trust their statements. I'm so thankful to them and now completely stress free, Sincerely Marlene [redacted].

Hello,We are sorry you experienced a delay in closure.  The account is closed as of today.  You will not be billed any further monthly fees.  Regarding the past charges, we do have recurring billing as long as the account remains open.  Whether you process any cards or...

not, similar to many other services our there which have a set monthly cost regardless of processing.In summary, your account is closed and will not have any further billing.  Good luck in your future endeavors.

The customer’s funds were held temporarily during a review by Risk Management after the same credit card was run within a few days for a high dollar amount. Invoices were requested and a review of the account was required. Each invoice did not contain all information requested and none of the...

card holder’s returned our phone calls. The issue was escalated and management did approve the funds to be released as courtesy prior to feedback from their customers. The funds were release in full on 5/20/14.

Complaint: 10851783
I am rejecting this response because:
iPayment's response is leaving out facts that I DID sign and send them cancellation notices via email, fax, and US mail multiple times across several years.  I did use their proper form.  Whether they lost them, misappropriated the form or the mailman lost them is not the issue.  I am the principal on the business, Unidatum Integrated Products.  They chose to not respond to my multiple cancellation notices.  And they are choosing to not address this issue by ignoring responsibility for NOT properly cancelling my account.   Two things can happen going forward:  
1.  Continued denial of cancellation and use of a collections company to collect on a late fee despite cancellation requests for Unidatum Integrated Products.  And misuse of using my personal name to report a perceived business debt between iPayment and Unidatum Integrated Products.  This will result in this issue not being resolved to my satisfaction through the Revdex.com channel.  And this will initiate the process of me putting together a lawsuit in my county of Misssissippi claiming damages in excess of $3000 have been done on A[redacted]'s credit profile and a second lawsuit issued by Unidatum Integrated Products against iPayment for not delivering services and ignoring cancellation requests per the Merchant Service Agreement for over 15 months amounting to over $2250 that we will ask to be refunded.  All of this will be presented and judged upon in Mississippi.  That's two lawsuits of which I will update the Revdex.com with on the status of as well as to make it public knowledge.  Public knowledge of lawsuits on these matters can in the future assist similar complaints made by other people in class actions that class action lawyers may be putting together.  
2.  Close collection processes and deliver a letter saying there is no debt owed between A[redacted] and iPayment.  This would result in the issue being resolved and would allow me to provide proof to credit agencies that there is no debt.    
Please include in future correspondences the name, position, and location of the person responsible for responding to this Revdex.com complaint.  Also include their direct manager.  Their decision on how to settle or not settle this complaint in the Revdex.com forum should be clear and accountable.  This is a serious matter and I will use all means legally to have this issue resolved.  
Regards,
A[redacted]

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.

Hello,Upon review of this issue you have detailed, we find the funds you request have already been released for deposit.  Our Risk department requested you to increase the approved limits for your account and this has been completed.The $1900.00 you request to receive has been...

released as of 6/5/15 in the amount of $1507.27 ($1900.00 minus monthly fees of $392.73).  The second deposit you request of $1400.00 on 5/21/15 was in fact also released on normal time frames with no delay.  This was deposited with two other transactions totaling a deposit of $1650.00 on 5/24/15.Upon completion of this review we will see this case as resolved as all funds have either been released or deposited as normally scheduled.Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11574557, and find that this resolution is satisfactory to me.
However, this does not solve the lost money and further payment to terminate the lease agreement. I will call the number provided and talk to them. What course of action should I take if they will not come to a reasonably agreement?
J[redacted]

Hello,With regard to a letter received in 12/5/14, this was due to the $70.90 reject for the 11/14 processing fees due to stop payment.  The amount of $95.90 was because there is a $25 Non-Sufficent Fund charge due to the reject.  We received the closure request on 12/1/14 and it was processed on 12/5/14.  Just because the account was closed doesn't mean the fees for 11/14 would not be owed.  With that said, a courtesy credit has been given for $261.80, there will be no further refunds or charges to the account.

Complaint: 10688071
I am rejecting this response because:
We already shipped the goods to our customers. We printed the transactions from our merchant account so definitely our account was not closed yet when the transactions was settled.  
Also we never received phone calls or emails from Ipayment or Quick commerce telling us that the transactions were not captured.  Aside from that we got proof from Authorize.net telling us 
that those 3 transactions with the total amount of $4,969.47 were authorized and captured, please see attached file, authorize.net put a password to open the file, this is the password for 
that excel file kkKwPamADxRd. You can also call authorize.net for verification that they transferred the money to Ipayment. The total transaction that was settled should be $32,617.30.  
Please release the fund as soon as possible.
Below are the info for authorize.net:
Authorize.net Customer Support at ###-###-####
Our Merchant Account Number is 
LAst 4 digit or our Business Tax I.D: 1477
Our Email Address: [email protected]
Regards,
Big Rock Auction

Poor Business Ethics and Practices!
We were paid $3800 via bankcard from a Bank of America’s customer on June 9, 2015. We also had another transaction totaling $4700 on that same business day. Ms. Adams, in risk management, contacted us on June 11, 2015 via email and telephone to request documentation in order to release the funds in three business days. We honored the request the same day. Three days later Ms. Adams informed us that she had a “hunch” that this transaction would be a risky one and advised me to refund the customer. We will not refund the customer because of a hunch and because it is a legitimate transaction.
Today we were told that $900 from a different customer would be released today, half of the $3800 will be released after 30 days and the remaining half after 90 days. This is unacceptable and we have no more use for this service effective immediately.

Hello, iPayment realizes the frustration this may have caused for the business. The reason funds are on hold for thirty days is for protection for both the merchant and iPayment. Should the cardholder dispute a transaction, we would use the reserve amount to cover any disputes caused by the...

card holder. After the estimated 30 days, the funds will be released to the checking's account on file. Since there was a previous dispute for $942.53, iPayment must raise a flag for future disputes on the account; thus, any reserves will be released after the estimated 30 days.

Complaint: 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,[redacted]

Complaint: 9936763
I am rejecting this response because:
I had sent the termination form to our mediator prior to now and am attaching it here.
The UPS tracking number for the terminal is 1Z[redacted]53.  I was told it would be there by this Thursday.
NOTE:  Our bank called today saying that your company tried to debit 159.90 and 149.85 from our closed account.  That account was closed for this very reason.  Please back date that letter to the time I started trying to terminate services which is the beginning of February. 
Regards,
Bergsma Plumbing Service & Repair
[redacted]

After reviewing this concern, we have determined a total of $2,125.95 was charged after a closure form had been submitted in May 2012.  This amount has been approved to be refunded and the request has been submitted.  In addition, this account was closed on December 13th...

2014.

Complaint: 11754068
I am rejecting this response becauseI have...

sent everything to the company that they requested to close my account. I attached a check when returning my equipment. The equipment was returned, and signed for, but the check attached mysterisly 'lost'. I put a 'stop payment' on the check, costing another $35.00, then sent another check, to the same address. Now the check has been returned, with a note attached 'undeliverable address'. This is ridiculous, what a person is put through to close out a credit card processor. I'm sure, most people just give up, and pay whatever penalty the processor deems o.k. This company tried to charge me $1500.00, which would put me out of business. I am a very small business, and cannot afford to keep paying out for a service I no longer want/need. I have been charged $74.00, September, $41.00, August, both months monies taken out of my checking account while not using their services, July, not only fees for processing, but a 'compliance fee of $129.00. (I previously had received a letter stating that the compliance fee would be charges for in August, which is another reason I decided to change processors. No other company charges that amount. All others charge the customer more that what the compliance fee is, which is $100.00. This company makes an additional $29.00 p/customer..that is NOT acceptable). Each representative I spoke with told me something different. I sent a copy of a contract I signed agreeing I could cancel my account with no penalty, as I had already fulfilled my original agreement. Amazingly, I had to forward my copy,they did not have one??? Each 'person of authority' I speak with seems to keep leaving the company after we have spoken, so when I call back, the person is 'no longer available'... I will send a check one more time with the agreed amount to close out my account. I feel I should be reimbursed for these charges from the time I went with a different processor, since I do have a contract stating I could cancel with no penalty. When I have been refunded, and will change my complaint    
Regards,
[redacted]

I am sorry to hear of these issues.  To review properly, please provide the merchant account number on your statements.  Please also let me know if the account is open or closed and what dates it would have been open or closed.  What is the business name?  I will need...

more specifics to review your case and begin to try and resolve the issues.

Mr. [redacted],
Please provide your merchant number so we can locate you account and review your complaint.  Based on the information provided so far we are not able to locate your account.

Complaint: 10851860
I am rejecting this response because: It is not accurate.  They can claim whatever they want.  I DID NOT agree to a limit approximately 50% of what my historical charges have been for over 10 years.  Additionally, they sent me a letter rejecting my account AFTER  they accepted, and processed amounts over the limit.
They can claim whatever they want.  Their records are inaccurate, and they are well aware of their deceptive practices.
Risk management at this company told me that the salesperson submitted what it took to open the account! However, what sales told me (as Flagship not iPayment) was a different story. Why would I open an account, drop my previous processor of over 10 years to sign up with a service that would not meet my needs?
Deceptive practices no matter what they claim. It was never disclosed that I was not even doing business with Flagship, and that was just a name to solicit sales!
Regards,
S[redacted]