iPayment, Inc.

Complaint: 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:
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.  
Regards,
[redacted]

Unfortunately we are unable to close the any merchant account over the phone and do request something in writing. As previously requested, if the customer has any records showing a fax/email confirmation of a closure request sent in prior to 5/21/14 we will honor that closing date. The customer was still under contract when the account was closed and under contract if closed in 2013 as they claim to have requested. We cannot refund any monthly charges without proof of the closure being sent in however we can waive the $250.00 early termination fee that is owed as courtesy.

Hello, iPayment acknowledges the concern for the funds on hold. However, on 6/19/15 the business, Grover's Garage Inc., processed refunds and we were unable to debit $6,800.84 from the business checking's account. On 7/10/15 more refunds were processed totaling $2,917.67 and we were...

unable to debit the business checking's account to cover the refunds. With these (2) occurrences, the account had to be closed and a batch including the $3,122.58 must remain on hold to cover the losses from the rejects. Moreover, the processing fees and bank charges are on the Schedule of Fees on the application and can not be waived since they are used to process all sales and refunds. For escalated assistance, please call our Risk Department at 800-324-9825 option #5.

Complaint: 11101230
I am rejecting this response because:
They knew my transaction volume in the first place. I gave them my transaction history from my previous merchant account and they did have all the info. They sales rep promised they would offer same service same as my previous merchant account. Not only they didn't but also they put a hold on my transaction and push me to reverse them. When I did reverse then charge me for the service fee that they didn't perform. This is absolutely rip-off. When I called them each time, there is only one person who is absolutely unprofessional answered him. I asked for his supervisor and he always forwarded my call to someone voice mail. Since, I could NOT complete any of my transaction with this company and in fact they impose financial and moral loses into my business, I need all the fees that they stole from my bank account to be refunded. Until then I will continue to leave negative feedback and share my experience with everybody. 
Regards,
M[redacted]

We have reviewed the complaint and confirmed the release and receipt of the deposit. As previously mentioned multiple calls were placed to the business from the day the debits occurred until the funds were released. There were also multiple attempts to receive invoices and other correspondence from the customer that went unanswered. The review of the transactions and the release of funds is complete. Unfortunately no reimbursement will be made, as we are able to hold and review funds as listed in the agreement and without cooperation from the customer this process can be delayed.

Hello,We are very sorry you hear of the issues you experienced withour services.  You are correct when saying that every processor hasdifferent costs based on a many number of variables.  On that note, wealso cannot be assumed to have the same costs as every other...

processor. We have our own costs to meet as every other company out there and thus we setour fees accordingly.  Our fees are disclosed to you at every turn and weare sorry you did not quite understand what you would be paying for ourservices.   Unfortunately, the refund you request is not backed by anyspecific data to which warrants a refund.  We will not be able to processthis request.   Good luck to you in all your future endeavors.

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

Complaint: 10441516
I am rejecting this response because:I still do not have the gateway set up.  I called this AM and got answering machine.  You also need to tell your reps not to lie.  I was told by my rep. Rita that the only charge I would see is the 1% and that all those other fees I see from my other processor would go away.  And there was also the $6.50 statement fee.  Nothing else.  Now I am being told I still have those same fees I always received from my other processor.  I also need resolved the issue with the processing limit.  This original amount was taken from my other processors statement, which was a very low month for us.  If you use this very low limit of $2393 there is no way to get to your $35 minimum monthly discount!!  Then I would pay 5% for anything over the $2393!! This is a very deceptive way to do business.  I was told this approved processing would be changed to $5000 and they would also lower that $35 minimum monthly discount.  Your rep should also disclose that when they come come here to discuss the merchant account. I think I should get a refund on these fees for the time I am unable to use the account due to the gateway not being set up.  I have asked several times and it seems that it is a very difficult thing to get done.  I am being told they are working on it.  AUthorize just needs the VAR sheet to complete the setup.  Why should this take so long?I was also told I would not be charged separately by the gateway Authorize.net  The charges Authorize.net shows on their website is much much more than I pay with my current account with Alpine Payment Systems.I cannot consider this resolved until all these issues are addressed.
Regards,
[redacted]

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.

Complaint: 11175535
I am rejecting this response because no where does any email or correspondence with Mr. [redacted]...

does it state there is a $250 cancellation fee. I have scoured each and every email, and the only one that mentions the terminal is attached. Yes, it does state a 1 year agreement; however, under the fees, it does not state a cancellation fee. [redacted] had not even mentioned this during conversations. In fact, had he we may have considered a different option. I think some major training needs to happen with the employees, because this is a major fee that should have been noted.
Regards,
B[redacted]

This company is a complete scam.
I was tricked into signing up for a 1 month trial. What I wasn't told was that hidden in the details was a 3 year contract with a 295.00 cancelation fee. On top of that I found out that I was also signed up for a 4 year lease on equipment. Then on top of that they told me the lease required me to also have insurance for the item. I had already canceled my contract and dont even have the item I'm supposed to be leasing...this lease is not able to be canceled and if I refused payment they would send dept collection after me.
I have told my bank to stop payment on anything from this company ever. They will never get a dime from me for their outright lies!

Complaint: 11180442
I am rejecting this response...

because:I called the indicated phone number.Of course, no. accounts agree the data is good but ..... in a matter of a problem turned out that I have a bad tel. #. They said I should call the Gift Card department. I asked about thenumber of the Gift Card said the department does not have a phone number. Can you help me understand what's going on ??They know everything about me but why draw my money from my account they did not know any think. Thank You
Regards,
[redacted]

We will be happy to send a letter confirming there are no monies owed upon receiving the closure request and credit card terminal. As of now the form has not been received and the account is still currently opened. Once received the account will be closed without the termination fee as promised and a letter will be issued.

Hello,We are sorry to hear of the issues you have experienced in closing your account.  Upon review of the notations in our systems, we see our customer service department spoke with you on 08/01/2014 regarding our closure procedures.  At which point, you had refused to be...

transferred to the assigned agent about the closure procedures and then disconnected the call from our customer service representative.  From there, we did not receive a call from you until 06/08/2015.  We require proper written request to close an account and as we attempted to assist you in 2014 from which you disconnected the line, we are unable to refund the charges for our services.  We have monthly costs which are not waived if you do not process any volume.  in 08/01/2014 you were aware your account was still open and active and failed to provide the closure request we require.Thank you.

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]

Complaint: 10712506
I am rejecting this response because:
Agreement is not easy to understand by me or anyone.
it contain too many papers to read.
it should be easy to understand. when you terminate account still they have power to go back to bank and charge????
its should be in layman language
so we are not responsible for $25 fees charge for return fees.
happy to pay transaction fees $13.81.
Its not about $25 but its has to make sense.
Regards,
N[redacted]

Hello,I have spoken with the Independent Sales Office and they provided some information on the $295.00 charge. There are 2 devices not returned. You may receive refund from the Independent Sales Office (Merchant Account Solutions) if the devices are returned. The Independent Sales Office requests you contact ###-###-#### to return the equipment and discuss a refund of the cancellation fee charged of $295.00. The equipment agreement addendum references under www.intlcardservice.com/equipment/agreement (attached to Revdex.com case) the cancellation fee in addition to other charges that may apply. The $295.00 charge is not assessed by iPayment Inc and not able to be refunded by iPayment Inc.Regarding the $272.70 our Risk department assessed PCI Compliance fees and Tax Identification Invalid fees. These are penalties for not following the agreement/program guide for our services. We will have the $272.70 refunded the week of 5/25/15 to smooth this issue over for you.

BEWARE! I was sold my merchant service account (supported by iPayment) through a sales group called FLAGSHIP but I was not told that iPayment was the REAL provider. I have had 2 accounts with iPayment for 2 years and I have experienced nothing but headache after headache. I want to use someone new, but can't afford the headache of changing right now.
They do not coordinate well with FLAGSHIP one of their front (sales) companies AT ALL. I call the iPayment support number and spend 10-15 minutes going through menus trying to get someone to help me and then SEVERAL times when someone finally answers they have no idea how to help me because it's not their department and they say they will transfer me but HANG UP instead! This had happened several times.
It took them SIX MONTHS to change my account from a sole proprietorship to a corporate account. I am not exaggerating! I had to call and call and call to get them to do their job.
I am begging you to save yourself a lot of grief and avoid using iPayment at all costs.

Hello, we understand your concern for your business. Unfortunately the fees are valid stated on Page 3 on the agreement under the schedule of fees. In terms of collections, the balance is handled by a 3rd party, CrediSolve, and the issue has been escalated to them. Please call CrediSolve to...

rectify the situation.

Complaint: 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,
[redacted]