United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer
The card associations implemented a liability shift deadline of October 1, for all merchants accepting paymentsAs of the deadline, it is a merchants responsibility to process all cards presented with an EMV chip card through an EMV capable deviceUnited States Bankcard Service has these encrypted devices and they are available for purchaseAlthough as a new customer your current equipment may have been provided at no charge, unfortunately, we do not provide these encrypted devices for freeThe $PCI Non Compliance Fee being assessed to your account has no relation to EMV chip card processingThis fee is being assessed because yo have failed to validate your annual Attestation of Compliance as required in the PCI-DSS requirements set by the PCI Security Standards CouncilNotification is sent to your business every month advising you to complete your Self Assessment Questionnaire and to attest yo your complianceSection of Your Card Service Terms & Conditions states, “This Card Services Agreement shall remain in full force and effect for an initial term of three (3) yearsThis Card Services Agreement shall be automatically extended for successive one (1) year periods on the same terms and conditions..." The $is an advancement of the fees for the duration of your contract that is due upon canceling your merchant accountThis sum is not a termination or cancellation fee but a financial obligation per Section of your agreementWhile we empathize with your situation and apologize for any lack of understanding pertaining your agreement, unfortunately, your signature on your Merchant Application indicates you received, reviewed, read understood and agreed to these terms
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10145485, and find that this resolution is satisfactory to me besides the interest charges from my checking account I open this checking account last year and never use it There is no any expense and charges from anyone There are additional interest charges from a reserve line because uSwipe withdraw the money without notice cause my balance not enough money in my checking account and automatically taken out $from a reserve line to cover the checking account The reserve line has pay back by me The total interest assessed is $ Please have uSwipe/US Bank Card Service to refund me the interest charge cause by their actionThank you
Best Regards, *** ***
**-As stated by the business United States Bankcard Service has
established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customerIt is our policy to pass any fees that we incur from the various card associations on to our customersAccording to the terms and conditions of a merchant account, we always provide at least days’ notice to our customers of any changes in their fee structureHowever, since this merchant claims to have not received such notification, we agree that the merchant should be refunded the fee that they incurredNote, however, that I am unable to locate this merchant's account based on the contact information providedPlease have the customer provide their account number (beginning with 8788...) so I can issue a credit to their accountThank you, ** **
United States Bankcard Service has
established a long lasting and reputable foundation in the community and we
take great pride in conducting business with the highest level of service and
supportWe have and continue to develop long lasting
relationships with our
merchant, affiliates, and business partners; we regret any time we receive a
response from an unsatisfied customer
On October 17, 2013, Karen ***
entered into an agreement with Global Payments Direct and United States
Bankcard Service for merchant services provided to the business owned by Ms***
At that time, the merchant agreed to our Card Services terms and conditions of
the merchant account per her signature on Page of the Merchant Application
This signature states that “A copy of the Card Services Terms and Conditions,
revision 05/12-USBS, has been provided to youPlease sign below to signify
that you have received a copy of the Card Services Terms and Conditions and
that you agree to all terms and conditions contained therein.”
Please refer to the Card Services
Terms and Conditions Section Amendments and Section Notices for specific
details on the fees that were incurredIn August 2014, notice was sent to the merchant
notifying her of the increase of various charges and feesIt is the
responsibility of the merchant to ensure that they review and understand their
agreement with United States Bankcard Service and to call with any questions or
concerns regarding any notices received prior
to incurring the fee
While United States Bankcard
Service has charged this fee in accordance to the Card Service Agreement, we
sympathize with the merchant in that they claim to have not received their
noticesAdditionally, the merchant has not used their account since signing
upWe have approved a good faith refund in the amount of $for the fee incurred
However, we will not be able to waive or refund this fee in the future
United
States Bankcard Service has established a long lasting and reputable foundation
in the community and we take great pride in conducting business with the
highest
level of integrityWe have and continue to develop long lasting
relationships with our merchant, affiliates, and business partners; we regret
any time we encounter an unsatisfied customer
Our records indicate that the cancellation letter was received on April 15th, and the request to have your account closed was completed on April 17thAs of today, your account has been closed
Complaint:
I am rejecting this response because:
I received your response jan.20th regarding my complaint against US bankcard service.my id#11001808.it is very important to note that when I signed a form with us bankcard service,it was not a TERMS AND CONDITION FORM.I signed a MERCHANT APPLICATION with them.what is being omitted on their part is this:they never sent me a copy of any terms and condition relating to my year contract with them.the representative asked me to complete the application and fax it back for approval.it highlighted all areas that I was required to sign with a bold black arrowhead.the small print for terms and conditions had a line stating that I received the terms and conditions and agreed to them.I regret to say that I did not read any terms and conditions as a copy was never given to me by the representative helping me to complete the application.the terms and conditions were only sent to me on Nov.11,after I asked that I receive a copy.I attest that at no time did the representative mention the terms and conditions to me as I signed my signature to the MERCHANT APPLICATION and faxed it back to him as he requested.the other significant concern that I have with US BANKCARD SERVICE IS THIS:they removed money from ottley neurology center checking account after I rescinded authorization in writing to prevent money to be removed from my checking account.this letter was faxed to them on 11-16-2015.on nov.25,they withdrew $from my business checking account.I had fulfilled my year contract with them which started 3-14-2012.I asked to cancel my contract with them on 11-6-and was told by David,the customer service repthat I could not cancel my contract until march or I would still have to pay monthly fees and the yearly service fee regardless.I was also treated unprofessionally by david, who insisted on calling me "miss" when I gave him my name as drottley.he would not refer to me by drottley.also, he refused to allow me to speak to any other person at the business.dr.ottley
I would like a refund of $that I was charged when no service was given by us bankcard service.I would like a check mailed to my business address pleasealso,I feel that us bankcard service should be required legally to have each business receive a copy of their terms and conditions, read the copy, and sign the actual terms and condition paperwork.it is very deceiving for them to hide this agreement in with the merchand application & imply that the merchant has read this when they have not!!!
Regards,
Ba*** ***
Complaint:
I am rejecting this response because: I already enroll the program with *** *** and I called many many time to ask about it, why they not tell me I didn't enrolluntil I spoke with *** ***, he said ok! We will cash back to you but never!
I want them to make sure to fulfill their agreement and cash back to my account since August to present for referral for the friend.Then I will accept the response
Sorry I don't trust them anymore
Regards,
*** ***
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customerUnited States Bankcard Service knows it can be difficult for merchants to understand and complete the requirements necessary to meet PCI-DSS complianceRather than have our merchants outsourced to a third party vendor, United States Bankcard Service supplies the necessary tools and technology to assist our merchants with meeting the requirements set by PCI Security Standards CouncilThe fees associated to accessing this service are billed annuallyYour request to receive a prorated refund for this fee is not valid as it is not associated nor does it pertain to any specific calendar yearAdditionally, this fee has not been assessed to your account and would have been billed on your June 1, statementHowever, your request to close the merchant account was received on May 9, and has since been closed as of May 10, Therefore, this fee will not be assessed to your accountThis complaint was premature and is invalidWe empathize with your situation and apologize for any misunderstanding
Complaint:
I am rejecting this response because:
I am not satisfied with the response that was received by message from us bankcard service.this was received at my office by email on Fri feb 5thmy office is closed on friday.I was not able to respond to the message received from us bankcard service.MY CONCERN is: they are not acknowledging that they did not send the terms and conditions regarding my contract with them.I completed a merchant application to ask for credit card service from them for my business Ottley Neurology Center.the merchant application I completed was faxed to me with places marked by a large arrowhead.the application was completed and signed at the appropriate markings.I did not receive pages of terms and conditions until AND A HALF YEARS LATER.I had to ask for this to be sent to me on 11-6-2015.I received it on 11-11-2015.my contract with us bankcard service was signed on 3-14-for a year contractTHIS IS THE PROBLEM: us bankcard service does not send a copy of their terms and conditionswhen you sign the merchant application for credit card service, they have a small paragraph that reads: Acceptance of Merchant Application & terms and conditions.the terms and conditions are not found here, but the small print states that a copy of the terms and conditions have been received & that you agree to all items and conditions contained therein.yes, I signed below this paragraph at the arrowhead.the sales agent on the phone rushed through the application & DID NOT DISCLOSE that the contract had to be cancelled by written notice at least days prior to the expiration of the initial termWITHOUT THE TERMS AND CONDITIONS,THIS INFORMATION CANNOT BE KNOWN BY THE MERCHANT-ottley neurology center.I BELIEVE THIS COMPANY IS BEHAVING IN A DISREPUTALBE MANNER BY NOT DISCLOSING THEIR TERMS AND CONDITIONS TO THE MERCHANT.this is misrepresentation of their business & the merchant contractthis company charges higher than the rate I recieve from the new credit company.
I AM no longer requesting THE months of service charges returned to memy goal is to be certain that other businesses that research the Revdex.com for this company know this is not an honest company to do business with.they are not upfront about disclosure of terms and conditions in a legal manner.they deceive you by getting your signature on a merchant application without you being given the TERMS AND CONDITIONSONCE YOU HAVE SIGNED THIS AGREEMENT,YOU HAVE NO RECOURSE WHEN YOU WISH TO CANCEL
Regards,
*** ***
United
States Bankcard Service has established a long lasting and reputable foundation
in the community and we take great pride in conducting business with the
highest level of integrityWe have and continue to
develop long lasting
relationships with our merchant, affiliates, and business partners; we regret
any time we encounter an unsatisfied customerWe apologize that you are not satisfied
with the service you have received and we take these kinds of issues very
seriously
We
have reviewed your complaint details and the associated accountI do show that
an iPad mini and the card reader was shipped out to you, however an attempt to
track the package shows that it was never deliveredIt appears we were never notified by UPS of their failure to deliver this package.
Typically, we require refund
requests to be submitted within a 60-day period from the time the error in
billing occurredHowever, since you never received the equipment necessary to
accept credit cards, we completely understand your positionAs such, we are
approving your refund request for the charges you have incurred totaling
$I notice that the disputed amount listed on your claim is for $
Please advise where the additional $in your request is coming from so
that we can review In the meantime, you
can expect a refund to be posted to bank account on file within 3-business
days
As stated by the Business
Roman', serif;">The inquiry regarding a request for reimbursement for fees paid has been receivedYour merchant account was opened per your signature on a Merchant Application received in June of Per your signature on the merchant application, you confirm your acceptance of the Card Services Terms & Conditions
There are multiple areas of the Card Services Terms & Conditions, which you agreed to by your signature, that address your concernsWithin Section 12) Limitation of Liability, it states:
“It is agreed that in no event will Global Direct or Member be liable for any claim, loss, billing error, damage, or expense arising out of or relating in any way to this Card Services Agreement which is not reported in writing to Global Direct by Merchant within days of such failure to perform or, in the event of a billing error, within days of the date of the invoice or applicable statementMerchant expressly waives any such claim that is not brought within the time periods stated herein.”
Additionally, Section 18) Amendments states:
“This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either a notice describing amendments to this Card Services Agreement or an entirely new agreement, which amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice..”
Furthermore, Section 22) Notices adds:
“All notices required by this Card Services Agreement shall be in writing and shall be sent by facsimile, by overnight carrier, or by regular or certified mailAll notices sent to Global Direct or Member shall be effective upon actual receipt by the Corporate Secretary of Global Payments Direct, Inc., Glenlake Parkway North Tower, Atlanta, Georgia Any notices sent to Merchant shall be effective upon the earlier of actual receipt or upon sending such notice to the address provided by Merchant in the Merchant Application or to any other e-mail or physical address to which notices, statements and/or other communications are sent to the Merchant hereunderThe parties hereto may change the name and address of the person to whom notices or other documents required under this Card Services Agreement must be sent at any time by giving written notice to the other party.”
As stated, fees may be added to your account at anytime with or without noticeIn this situation, you were provided notice of these fees prior to them being added to your accountIn the event you had a billing dispute, per Section 12, it needed to be provided in writing within days of locating the error and within days of the statement date
As a merchant and business owner, it is your responsibility to review your merchant account statement, bank statements and financial recordsAdditionally, it is your responsibility to provide a written request in the event you feel there is a billing error or disputeAlthough your request is not valid, we will honor the maximum amount of damages allotted under Section A refund covering the prior 90-days from the date this billing dispute was presented to us will be issued to your accountThis credit will first be applied against the open collections balance that you currently have with Global Payments (the amount that was charged back to Global Payments by your bank)Any remaining credit will be mailed to you at the address provided in this complaint
As previously stated in our initial response, the merchant signed the Merchant Application on page 3 stating that a copy of the card services terms and conditions had been read and agreed to. By providing their signature on that line, they were explicitly stating:
“A copy of the Card Services Terms and Conditions, revision 01/12-USBS, has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.”
If the signer did not receive a copy of the terms and conditions at the time of completing the merchant application, the merchant should not have signed the application stating that they did. By agreeing to the terms and conditions, the merchant (i) agreed that they would be placed in a 3-year term to be automatically renewed for successive 1-year periods until notice was provided to terminate the agreement; and (ii) that if the merchant cancelled their account prior to the term, early termination fees would apply. Both of these conditions resulted in the deduction of $200 from the merchant’s account.
At this point, we cannot offer any reimbursement as any deductions (acceleration of fees) were within the contract terms of our agreement with the merchant.
Thank you,
B[redacted]
Portfolio Management
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting...
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer.
In January 2014, your company entered into an agreement with Global Payments Direct and United States Bankcard Service for merchant services. At that time, Ms. B[redacted] agreed to the Card Services Terms and Condition per her signature on Page 3 of the Merchant Application. This signature states that “A copy of the Card Services Terms and Conditions has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” Per our conversation with Ms. B[redacted] in April 2015, she reiterated that she has a copy of these terms.
Please refer to the Card Services Terms and Conditions Section 13 Term and Termination for details regarding the accelerated fee(s) (which were $839 at the time of your inquiry in April), where it states:
In the event Merchant terminates this Card Services Agreement…the following amount(s) shall be immediately due and payable to Global Direct: the lesser of (a) the maximum amount permitted by state law, and (b) all monthly fees assessed to the Merchant under this Card Services Agreement and due to Global Direct for the reminder of the then existing term of the Card Services Agreement, including all minimum monthly fee commitments. Merchant hereby authorizes Global Direct to accelerate the payment of such applicable amount(s) and to deduct such total amount(s) from Merchant’s account…”
Regarding the changes to your fee structure, please refer to the Card Services Terms and Conditions Section 18 Amendments, where it states:
This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either (i) a notice describing amendments to this Card Services Agreement or new services to be provided or fees to be charged to Merchant or (ii) an entirely new agreement, which notice, amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice…”
We would like to resolve this matter with you. However, please note that the addition of any fees or surcharges to your account are in compliance with our Card Services Agreement (as described above) and notice of the additional fee was included in the messages section of your monthly merchant statements. As we do not have access to the documents that you claim were provided by Mr. L[redacted], we cannot verify if they state anything contrary to your signed Card Service Agreement. If you are able to provide documentation from Mr. L[redacted] that states you do not have an annual commitment with our organization, please provide it as soon as possible for review so we can resolve this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10373814, and find that this resolution is satisfactory to me.
Regards,
[redacted]
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take great pride in
conducting business with the highest level of service and support. We have and
continue to develop long lasting relationships with our merchant,...
affiliates,
and business partners; we regret any time we receive a response from an
unsatisfied customer. On March 14, 2012, B[redacted] MD entered into an
agreement with Global Payments Direct and United States Bankcard Service for
merchant services provided to the business O[redacted]NeurologyCenter. The merchant
agreed to a 3-year term at that time, per the terms and conditions of the
merchant account. Ms. O[redacted] agreed to the Card Services Terms and Conditions
on March 14, 2012, per her signature on Page 3 of the Merchant Application.
This signature states that “A copy of the Card Services Terms and Conditions,
revision 01/12-USBS, has been provided to you. Please sign below to signify
that you have received a copy of the Card Services Terms and Conditions and
that you agree to all terms and conditions contained therein.” This signatures demonstrates to United States Bankcard Service that you did infact receive the Terms and Conditions at the time of opening the merchant account; if you did not receive the Terms and Conditions, they should have been requested at such time before signing signifying that you had received the,. If you would
like an additional copy of the signed Merchant Application, please let us know.
Please refer to the Card Services Terms and Conditions
Section 13 Term and Termination for details regarding the contract length:
This
Card Service Agreement shall remain in full force and effect for an initial
term of three (3) years. The Card Services Agreement shall be automatically
extended for successive one (1) year periods on the same terms and conditions
expressed herein, or as may be amended, unless Merchant gives written notice of
termination as to the entire Card Services Agreement or a portion thereof of at
least 60 days prior to the expiration of the initial term or any extension or renewals
thereof…
Please refer to the Card Services Terms and Conditions
Section 13 Term and Termination for details regarding the accelerated fee(s) of
$200.00, where it states:
In the event Merchant terminates
this Card Services Agreement…the following amount(s) shall be immediately due
and payable to Global Direct: the lesser of (a) the maximum amount permitted by
state law, and (b) all monthly fees assessed to the Merchant under this Card
Services Agreement and due to Global Direct for the reminder of the then
existing term of the Card Services Agreement, including all minimum monthly fee
commitments. Merchant hereby authorizes Global Direct to accelerate the payment
o such applicable amount(s) and to deduct such total amount(s) from Merchant’s
account…”
At this time, the Merchant Account is closed (as of November
23, 2015). Pertaining to the request to refund the annual fee, the annual fee is
applied on an annual basis and is not prorated based on the open and/or cancellation
date of a merchant account.
Dear Miss [redacted],
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take great pride in
conducting business with the highest level of integrity. We have and continue
to develop...
long lasting relationships with our merchant, affiliates, and
business partners; we regret any time we encounter an unsatisfied
customer.
Your inquiry poses a couple different issues and I’d like to
address them each individually. Firstly, the annul fee is printed on the
Merchant Application near the other fees that are applicable to your account. The
rates that are on the application are the ones that are entered into the
system. Unfortunately, it seems that the representative who established your
account did not communicate with the underwriting team regarding his guarantee
to remove the annual fee for the first year. As a valued customer, we will
issue a credit for the annual fee that you were told would be waived for the
first year. You will see this credit on your next statement. Please note,
however, that the annual fee will be applicable going forward.
Lastly, please note that we have various referral programs
available to our customers. The primary referral program is simply a $50
referral credit for each merchant setup that you refer to us (this is the check
that you recently received). In order to receive monthly referral credits, you
must be enrolled in the program and I do not see that paperwork in your file.
Also, please note that this particular program is actually a profit-sharing
program and is calculated based on the income generated on the account, not the
volume the account(s) process.
If you would still like to move forward with enrolling in
the profit-sharing incentive program, please let me know and I will send you
the enrollment form. I will also do some investigating to see if we can prorate
the incentive.
If I have not addressed all of your concerns, do not
hesitate to let me know. We value your business and will strive to ensure your
satisfaction.
Best Regards,
<st1:country-region w:st="on">United
States</st1:country-region> Bankcard Service
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting...
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer. While we empathize with your situation and apologize for any inconvenience or hardship, United States Bankcard Service is not liable for loss associated to chargebacks or fraudulent transactions. The October 1, 2015 liability shift deadline pertaining to EMV chip card acceptance states the liability for a fraudulent transaction falls on the merchant if they fail to process the transaction through a chip card device. United States Bankcard Service has these terminals available for purchase but it is the merchant’s responsibility to obtain or purchase a chip card processing device. In addition, as a merchant, the liability for all chargebacks falls upon the merchant. Section 14 of the Card Service Terms & conditions, as well as the Card Associations Card Acceptance Guide; specifically outline the process, procedures and liabilities surrounding chargebacks or fraudulent transactions. Obtaining an authorization on a card does not guarantee payment. Section 14 states: “14. Returned Items/Chargebacks If a card holder disputes any transaction, if a transaction is charged back for any reason by the card issuing institution, or if Global Direct or Member has any reason to believe an indebtedness previously purchased is questionable, not genuine, or is otherwise unacceptable, the amount of such indebtedness may be charged back and deducted from any payment due to Merchant or may be charged against any of Merchant's accounts or the Reserve Account (as defined below). Merchant acknowledges and agrees that it is bound by the rules of the card associations and network organizations with respect to any chargeback. Merchant further acknowledges that it is solely responsible for providing Global Direct and Member with any available information to re- present a chargeback and that, regardless of any information it provides or does not provide Global Direct and Member in connection with a chargeback, or any other reason, Merchant shall be solely responsible for the liability related to such chargeback. A list of some common reasons for chargebacks is contained in the Card Acceptance Guide provided, however, that such list is not exclusive and does not limit the generality of the foregoing. If any such amount is uncollectible through withholding from any payments due hereunder or through charging Merchant's accounts or the Reserve Account, Merchant shall, upon demand by Global Direct, pay Global Direct the full amount of the charge back. Merchant understands that obtaining an authorization for any sale shall not constitute a guarantee of payment, and such sales slips can be returned or charged back to Merchant like any other item hereunder.”
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10022481, and find that this resolution is satisfactory to me.
If the company had simply answered my email regarding the state of my account in a timely manner, I wouldn't have had to file a complaint, but they obviously didn't see fit to do that. All I wanted was confirmation that the account has been closed, and I'm happy I finally received it.
I apologize that you are unsatisfied with the service you have received. I am investigating your enrollment in the program. The system does not show you as enrolled, but I will review Kevin's records to see what he had provided to you/told you. I would like to get this matter resolved as soon as possible. If I unable to locate your enrollment, I will reach out to you personally. Otherwise, you can expect the referral credits that you are requesting on your next statement.
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer
The card associations implemented a liability shift deadline of October 1, for all merchants accepting paymentsAs of the deadline, it is a merchants responsibility to process all cards presented with an EMV chip card through an EMV capable deviceUnited States Bankcard Service has these encrypted devices and they are available for purchaseAlthough as a new customer your current equipment may have been provided at no charge, unfortunately, we do not provide these encrypted devices for freeThe $PCI Non Compliance Fee being assessed to your account has no relation to EMV chip card processingThis fee is being assessed because yo have failed to validate your annual Attestation of Compliance as required in the PCI-DSS requirements set by the PCI Security Standards CouncilNotification is sent to your business every month advising you to complete your Self Assessment Questionnaire and to attest yo your complianceSection of Your Card Service Terms & Conditions states, “This Card Services Agreement shall remain in full force and effect for an initial term of three (3) yearsThis Card Services Agreement shall be automatically extended for successive one (1) year periods on the same terms and conditions..." The $is an advancement of the fees for the duration of your contract that is due upon canceling your merchant accountThis sum is not a termination or cancellation fee but a financial obligation per Section of your agreementWhile we empathize with your situation and apologize for any lack of understanding pertaining your agreement, unfortunately, your signature on your Merchant Application indicates you received, reviewed, read understood and agreed to these terms
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10145485, and find that this resolution is satisfactory to me besides the interest charges from my checking account I open this checking account last year and never use it There is no any expense and charges from anyone There are additional interest charges from a reserve line because uSwipe withdraw the money without notice cause my balance not enough money in my checking account and automatically taken out $from a reserve line to cover the checking account The reserve line has pay back by me The total interest assessed is $ Please have uSwipe/US Bank Card Service to refund me the interest charge cause by their actionThank you
Best Regards, *** ***
**-As stated by the business United States Bankcard Service has
established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customerIt is our policy to pass any fees that we incur from the various card associations on to our customersAccording to the terms and conditions of a merchant account, we always provide at least days’ notice to our customers of any changes in their fee structureHowever, since this merchant claims to have not received such notification, we agree that the merchant should be refunded the fee that they incurredNote, however, that I am unable to locate this merchant's account based on the contact information providedPlease have the customer provide their account number (beginning with 8788...) so I can issue a credit to their accountThank you, ** **
United States Bankcard Service has
established a long lasting and reputable foundation in the community and we
take great pride in conducting business with the highest level of service and
supportWe have and continue to develop long lasting
relationships with our
merchant, affiliates, and business partners; we regret any time we receive a
response from an unsatisfied customer
On October 17, 2013, Karen ***
entered into an agreement with Global Payments Direct and United States
Bankcard Service for merchant services provided to the business owned by Ms***
At that time, the merchant agreed to our Card Services terms and conditions of
the merchant account per her signature on Page of the Merchant Application
This signature states that “A copy of the Card Services Terms and Conditions,
revision 05/12-USBS, has been provided to youPlease sign below to signify
that you have received a copy of the Card Services Terms and Conditions and
that you agree to all terms and conditions contained therein.”
Please refer to the Card Services
Terms and Conditions Section Amendments and Section Notices for specific
details on the fees that were incurredIn August 2014, notice was sent to the merchant
notifying her of the increase of various charges and feesIt is the
responsibility of the merchant to ensure that they review and understand their
agreement with United States Bankcard Service and to call with any questions or
concerns regarding any notices received prior
to incurring the fee
While United States Bankcard
Service has charged this fee in accordance to the Card Service Agreement, we
sympathize with the merchant in that they claim to have not received their
noticesAdditionally, the merchant has not used their account since signing
upWe have approved a good faith refund in the amount of $for the fee incurred
However, we will not be able to waive or refund this fee in the future
United
States Bankcard Service has established a long lasting and reputable foundation
in the community and we take great pride in conducting business with the
highest
level of integrityWe have and continue to develop long lasting
relationships with our merchant, affiliates, and business partners; we regret
any time we encounter an unsatisfied customer
Our records indicate that the cancellation letter was received on April 15th, and the request to have your account closed was completed on April 17thAs of today, your account has been closed
Complaint:
I am rejecting this response because:
I received your response jan.20th regarding my complaint against US bankcard service.my id#11001808.it is very important to note that when I signed a form with us bankcard service,it was not a TERMS AND CONDITION FORM.I signed a MERCHANT APPLICATION with them.what is being omitted on their part is this:they never sent me a copy of any terms and condition relating to my year contract with them.the representative asked me to complete the application and fax it back for approval.it highlighted all areas that I was required to sign with a bold black arrowhead.the small print for terms and conditions had a line stating that I received the terms and conditions and agreed to them.I regret to say that I did not read any terms and conditions as a copy was never given to me by the representative helping me to complete the application.the terms and conditions were only sent to me on Nov.11,after I asked that I receive a copy.I attest that at no time did the representative mention the terms and conditions to me as I signed my signature to the MERCHANT APPLICATION and faxed it back to him as he requested.the other significant concern that I have with US BANKCARD SERVICE IS THIS:they removed money from ottley neurology center checking account after I rescinded authorization in writing to prevent money to be removed from my checking account.this letter was faxed to them on 11-16-2015.on nov.25,they withdrew $from my business checking account.I had fulfilled my year contract with them which started 3-14-2012.I asked to cancel my contract with them on 11-6-and was told by David,the customer service repthat I could not cancel my contract until march or I would still have to pay monthly fees and the yearly service fee regardless.I was also treated unprofessionally by david, who insisted on calling me "miss" when I gave him my name as drottley.he would not refer to me by drottley.also, he refused to allow me to speak to any other person at the business.dr.ottley
I would like a refund of $that I was charged when no service was given by us bankcard service.I would like a check mailed to my business address pleasealso,I feel that us bankcard service should be required legally to have each business receive a copy of their terms and conditions, read the copy, and sign the actual terms and condition paperwork.it is very deceiving for them to hide this agreement in with the merchand application & imply that the merchant has read this when they have not!!!
Regards,
Ba*** ***
Complaint:
I am rejecting this response because: I already enroll the program with *** *** and I called many many time to ask about it, why they not tell me I didn't enrolluntil I spoke with *** ***, he said ok! We will cash back to you but never!
I want them to make sure to fulfill their agreement and cash back to my account since August to present for referral for the friend.Then I will accept the response
Sorry I don't trust them anymore
Regards,
*** ***
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customerUnited States Bankcard Service knows it can be difficult for merchants to understand and complete the requirements necessary to meet PCI-DSS complianceRather than have our merchants outsourced to a third party vendor, United States Bankcard Service supplies the necessary tools and technology to assist our merchants with meeting the requirements set by PCI Security Standards CouncilThe fees associated to accessing this service are billed annuallyYour request to receive a prorated refund for this fee is not valid as it is not associated nor does it pertain to any specific calendar yearAdditionally, this fee has not been assessed to your account and would have been billed on your June 1, statementHowever, your request to close the merchant account was received on May 9, and has since been closed as of May 10, Therefore, this fee will not be assessed to your accountThis complaint was premature and is invalidWe empathize with your situation and apologize for any misunderstanding
Complaint:
I am rejecting this response because:
I am not satisfied with the response that was received by message from us bankcard service.this was received at my office by email on Fri feb 5thmy office is closed on friday.I was not able to respond to the message received from us bankcard service.MY CONCERN is: they are not acknowledging that they did not send the terms and conditions regarding my contract with them.I completed a merchant application to ask for credit card service from them for my business Ottley Neurology Center.the merchant application I completed was faxed to me with places marked by a large arrowhead.the application was completed and signed at the appropriate markings.I did not receive pages of terms and conditions until AND A HALF YEARS LATER.I had to ask for this to be sent to me on 11-6-2015.I received it on 11-11-2015.my contract with us bankcard service was signed on 3-14-for a year contractTHIS IS THE PROBLEM: us bankcard service does not send a copy of their terms and conditionswhen you sign the merchant application for credit card service, they have a small paragraph that reads: Acceptance of Merchant Application & terms and conditions.the terms and conditions are not found here, but the small print states that a copy of the terms and conditions have been received & that you agree to all items and conditions contained therein.yes, I signed below this paragraph at the arrowhead.the sales agent on the phone rushed through the application & DID NOT DISCLOSE that the contract had to be cancelled by written notice at least days prior to the expiration of the initial termWITHOUT THE TERMS AND CONDITIONS,THIS INFORMATION CANNOT BE KNOWN BY THE MERCHANT-ottley neurology center.I BELIEVE THIS COMPANY IS BEHAVING IN A DISREPUTALBE MANNER BY NOT DISCLOSING THEIR TERMS AND CONDITIONS TO THE MERCHANT.this is misrepresentation of their business & the merchant contractthis company charges higher than the rate I recieve from the new credit company.
I AM no longer requesting THE months of service charges returned to memy goal is to be certain that other businesses that research the Revdex.com for this company know this is not an honest company to do business with.they are not upfront about disclosure of terms and conditions in a legal manner.they deceive you by getting your signature on a merchant application without you being given the TERMS AND CONDITIONSONCE YOU HAVE SIGNED THIS AGREEMENT,YOU HAVE NO RECOURSE WHEN YOU WISH TO CANCEL
Regards,
*** ***
United
States Bankcard Service has established a long lasting and reputable foundation
in the community and we take great pride in conducting business with the
highest level of integrityWe have and continue to
develop long lasting
relationships with our merchant, affiliates, and business partners; we regret
any time we encounter an unsatisfied customerWe apologize that you are not satisfied
with the service you have received and we take these kinds of issues very
seriously
We
have reviewed your complaint details and the associated accountI do show that
an iPad mini and the card reader was shipped out to you, however an attempt to
track the package shows that it was never deliveredIt appears we were never notified by UPS of their failure to deliver this package.
Typically, we require refund
requests to be submitted within a 60-day period from the time the error in
billing occurredHowever, since you never received the equipment necessary to
accept credit cards, we completely understand your positionAs such, we are
approving your refund request for the charges you have incurred totaling
$I notice that the disputed amount listed on your claim is for $
Please advise where the additional $in your request is coming from so
that we can review In the meantime, you
can expect a refund to be posted to bank account on file within 3-business
days
As stated by the Business
Roman', serif;">The inquiry regarding a request for reimbursement for fees paid has been receivedYour merchant account was opened per your signature on a Merchant Application received in June of Per your signature on the merchant application, you confirm your acceptance of the Card Services Terms & Conditions
There are multiple areas of the Card Services Terms & Conditions, which you agreed to by your signature, that address your concernsWithin Section 12) Limitation of Liability, it states:
“It is agreed that in no event will Global Direct or Member be liable for any claim, loss, billing error, damage, or expense arising out of or relating in any way to this Card Services Agreement which is not reported in writing to Global Direct by Merchant within days of such failure to perform or, in the event of a billing error, within days of the date of the invoice or applicable statementMerchant expressly waives any such claim that is not brought within the time periods stated herein.”
Additionally, Section 18) Amendments states:
“This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either a notice describing amendments to this Card Services Agreement or an entirely new agreement, which amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice..”
Furthermore, Section 22) Notices adds:
“All notices required by this Card Services Agreement shall be in writing and shall be sent by facsimile, by overnight carrier, or by regular or certified mailAll notices sent to Global Direct or Member shall be effective upon actual receipt by the Corporate Secretary of Global Payments Direct, Inc., Glenlake Parkway North Tower, Atlanta, Georgia Any notices sent to Merchant shall be effective upon the earlier of actual receipt or upon sending such notice to the address provided by Merchant in the Merchant Application or to any other e-mail or physical address to which notices, statements and/or other communications are sent to the Merchant hereunderThe parties hereto may change the name and address of the person to whom notices or other documents required under this Card Services Agreement must be sent at any time by giving written notice to the other party.”
As stated, fees may be added to your account at anytime with or without noticeIn this situation, you were provided notice of these fees prior to them being added to your accountIn the event you had a billing dispute, per Section 12, it needed to be provided in writing within days of locating the error and within days of the statement date
As a merchant and business owner, it is your responsibility to review your merchant account statement, bank statements and financial recordsAdditionally, it is your responsibility to provide a written request in the event you feel there is a billing error or disputeAlthough your request is not valid, we will honor the maximum amount of damages allotted under Section A refund covering the prior 90-days from the date this billing dispute was presented to us will be issued to your accountThis credit will first be applied against the open collections balance that you currently have with Global Payments (the amount that was charged back to Global Payments by your bank)Any remaining credit will be mailed to you at the address provided in this complaint
As previously stated in our initial response, the merchant signed the Merchant Application on page 3 stating that a copy of the card services terms and conditions had been read and agreed to. By providing their signature on that line, they were explicitly stating:
“A copy of the Card Services Terms and Conditions, revision 01/12-USBS, has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.”
If the signer did not receive a copy of the terms and conditions at the time of completing the merchant application, the merchant should not have signed the application stating that they did. By agreeing to the terms and conditions, the merchant (i) agreed that they would be placed in a 3-year term to be automatically renewed for successive 1-year periods until notice was provided to terminate the agreement; and (ii) that if the merchant cancelled their account prior to the term, early termination fees would apply. Both of these conditions resulted in the deduction of $200 from the merchant’s account.
At this point, we cannot offer any reimbursement as any deductions (acceleration of fees) were within the contract terms of our agreement with the merchant.
Thank you,
B[redacted]
Portfolio Management
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting...
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer.
In January 2014, your company entered into an agreement with Global Payments Direct and United States Bankcard Service for merchant services. At that time, Ms. B[redacted] agreed to the Card Services Terms and Condition per her signature on Page 3 of the Merchant Application. This signature states that “A copy of the Card Services Terms and Conditions has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” Per our conversation with Ms. B[redacted] in April 2015, she reiterated that she has a copy of these terms.
Please refer to the Card Services Terms and Conditions Section 13 Term and Termination for details regarding the accelerated fee(s) (which were $839 at the time of your inquiry in April), where it states:
In the event Merchant terminates this Card Services Agreement…the following amount(s) shall be immediately due and payable to Global Direct: the lesser of (a) the maximum amount permitted by state law, and (b) all monthly fees assessed to the Merchant under this Card Services Agreement and due to Global Direct for the reminder of the then existing term of the Card Services Agreement, including all minimum monthly fee commitments. Merchant hereby authorizes Global Direct to accelerate the payment of such applicable amount(s) and to deduct such total amount(s) from Merchant’s account…”
Regarding the changes to your fee structure, please refer to the Card Services Terms and Conditions Section 18 Amendments, where it states:
This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either (i) a notice describing amendments to this Card Services Agreement or new services to be provided or fees to be charged to Merchant or (ii) an entirely new agreement, which notice, amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice…”
We would like to resolve this matter with you. However, please note that the addition of any fees or surcharges to your account are in compliance with our Card Services Agreement (as described above) and notice of the additional fee was included in the messages section of your monthly merchant statements. As we do not have access to the documents that you claim were provided by Mr. L[redacted], we cannot verify if they state anything contrary to your signed Card Service Agreement. If you are able to provide documentation from Mr. L[redacted] that states you do not have an annual commitment with our organization, please provide it as soon as possible for review so we can resolve this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10373814, and find that this resolution is satisfactory to me.
Regards,
[redacted]
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take great pride in
conducting business with the highest level of service and support. We have and
continue to develop long lasting relationships with our merchant,...
affiliates,
and business partners; we regret any time we receive a response from an
unsatisfied customer. On March 14, 2012, B[redacted] MD entered into an
agreement with Global Payments Direct and United States Bankcard Service for
merchant services provided to the business O[redacted]NeurologyCenter. The merchant
agreed to a 3-year term at that time, per the terms and conditions of the
merchant account. Ms. O[redacted] agreed to the Card Services Terms and Conditions
on March 14, 2012, per her signature on Page 3 of the Merchant Application.
This signature states that “A copy of the Card Services Terms and Conditions,
revision 01/12-USBS, has been provided to you. Please sign below to signify
that you have received a copy of the Card Services Terms and Conditions and
that you agree to all terms and conditions contained therein.” This signatures demonstrates to United States Bankcard Service that you did infact receive the Terms and Conditions at the time of opening the merchant account; if you did not receive the Terms and Conditions, they should have been requested at such time before signing signifying that you had received the,. If you would
like an additional copy of the signed Merchant Application, please let us know.
Please refer to the Card Services Terms and Conditions
Section 13 Term and Termination for details regarding the contract length:
This
Card Service Agreement shall remain in full force and effect for an initial
term of three (3) years. The Card Services Agreement shall be automatically
extended for successive one (1) year periods on the same terms and conditions
expressed herein, or as may be amended, unless Merchant gives written notice of
termination as to the entire Card Services Agreement or a portion thereof of at
least 60 days prior to the expiration of the initial term or any extension or renewals
thereof…
Please refer to the Card Services Terms and Conditions
Section 13 Term and Termination for details regarding the accelerated fee(s) of
$200.00, where it states:
In the event Merchant terminates
this Card Services Agreement…the following amount(s) shall be immediately due
and payable to Global Direct: the lesser of (a) the maximum amount permitted by
state law, and (b) all monthly fees assessed to the Merchant under this Card
Services Agreement and due to Global Direct for the reminder of the then
existing term of the Card Services Agreement, including all minimum monthly fee
commitments. Merchant hereby authorizes Global Direct to accelerate the payment
o such applicable amount(s) and to deduct such total amount(s) from Merchant’s
account…”
At this time, the Merchant Account is closed (as of November
23, 2015). Pertaining to the request to refund the annual fee, the annual fee is
applied on an annual basis and is not prorated based on the open and/or cancellation
date of a merchant account.
Dear Miss [redacted],
United States Bankcard Service has established a long
lasting and reputable foundation in the community and we take great pride in
conducting business with the highest level of integrity. We have and continue
to develop...
long lasting relationships with our merchant, affiliates, and
business partners; we regret any time we encounter an unsatisfied
customer.
Your inquiry poses a couple different issues and I’d like to
address them each individually. Firstly, the annul fee is printed on the
Merchant Application near the other fees that are applicable to your account. The
rates that are on the application are the ones that are entered into the
system. Unfortunately, it seems that the representative who established your
account did not communicate with the underwriting team regarding his guarantee
to remove the annual fee for the first year. As a valued customer, we will
issue a credit for the annual fee that you were told would be waived for the
first year. You will see this credit on your next statement. Please note,
however, that the annual fee will be applicable going forward.
Lastly, please note that we have various referral programs
available to our customers. The primary referral program is simply a $50
referral credit for each merchant setup that you refer to us (this is the check
that you recently received). In order to receive monthly referral credits, you
must be enrolled in the program and I do not see that paperwork in your file.
Also, please note that this particular program is actually a profit-sharing
program and is calculated based on the income generated on the account, not the
volume the account(s) process.
If you would still like to move forward with enrolling in
the profit-sharing incentive program, please let me know and I will send you
the enrollment form. I will also do some investigating to see if we can prorate
the incentive.
If I have not addressed all of your concerns, do not
hesitate to let me know. We value your business and will strive to ensure your
satisfaction.
Best Regards,
<st1:country-region w:st="on">United
States</st1:country-region> Bankcard Service
United States Bankcard Service has established a long lasting and reputable foundation in the community and we take great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting...
relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer. While we empathize with your situation and apologize for any inconvenience or hardship, United States Bankcard Service is not liable for loss associated to chargebacks or fraudulent transactions. The October 1, 2015 liability shift deadline pertaining to EMV chip card acceptance states the liability for a fraudulent transaction falls on the merchant if they fail to process the transaction through a chip card device. United States Bankcard Service has these terminals available for purchase but it is the merchant’s responsibility to obtain or purchase a chip card processing device. In addition, as a merchant, the liability for all chargebacks falls upon the merchant. Section 14 of the Card Service Terms & conditions, as well as the Card Associations Card Acceptance Guide; specifically outline the process, procedures and liabilities surrounding chargebacks or fraudulent transactions. Obtaining an authorization on a card does not guarantee payment. Section 14 states: “14. Returned Items/Chargebacks If a card holder disputes any transaction, if a transaction is charged back for any reason by the card issuing institution, or if Global Direct or Member has any reason to believe an indebtedness previously purchased is questionable, not genuine, or is otherwise unacceptable, the amount of such indebtedness may be charged back and deducted from any payment due to Merchant or may be charged against any of Merchant's accounts or the Reserve Account (as defined below). Merchant acknowledges and agrees that it is bound by the rules of the card associations and network organizations with respect to any chargeback. Merchant further acknowledges that it is solely responsible for providing Global Direct and Member with any available information to re- present a chargeback and that, regardless of any information it provides or does not provide Global Direct and Member in connection with a chargeback, or any other reason, Merchant shall be solely responsible for the liability related to such chargeback. A list of some common reasons for chargebacks is contained in the Card Acceptance Guide provided, however, that such list is not exclusive and does not limit the generality of the foregoing. If any such amount is uncollectible through withholding from any payments due hereunder or through charging Merchant's accounts or the Reserve Account, Merchant shall, upon demand by Global Direct, pay Global Direct the full amount of the charge back. Merchant understands that obtaining an authorization for any sale shall not constitute a guarantee of payment, and such sales slips can be returned or charged back to Merchant like any other item hereunder.”
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10022481, and find that this resolution is satisfactory to me.
If the company had simply answered my email regarding the state of my account in a timely manner, I wouldn't have had to file a complaint, but they obviously didn't see fit to do that. All I wanted was confirmation that the account has been closed, and I'm happy I finally received it.
Thank you for your help.
Regards,
[redacted]
I apologize that you are unsatisfied with the service you have received. I am investigating your enrollment in the program. The system does not show you as enrolled, but I will review Kevin's records to see what he had provided to you/told you. I would like to get this matter resolved as soon as possible. If I unable to locate your enrollment, I will reach out to you personally. Otherwise, you can expect the referral credits that you are requesting on your next statement.