Initial Business Response / [redacted] (1000, 5, 2016/01/19) */ CPAY has not deceived the consumer with regards to the B-Notice or backup withholdingsPlease refer to IRS website: [redacted] CPAY is always willing to work with our merchants and understand there are circumstances where exceptions to an agreement have to be made in favor of our clientThe merchant executed the agreement which outlined all the business information that the consumer was able to review prior to signing the agreementIf there was a mistake in any of the information we do have the ability to rectify it, in this case the consumer's TIN
Initial Business Response / [redacted] (1000, 12, 2015/07/08) */ We did not receive notice from the client that he wanted to cancel his credit card service until he notified our corporate office in Jan CPAY closed the account in FebruaryThere are no reported issues on the account and there are multiple records from our office attempting to contact the customer with no successEven with [redacted] placing this complaint, CPAY attempted numerous times to contact the customer, unfortunately the voice mail continues to state that his voice mail box is full and cannot accept messagesCPAY is more than willing to assist the customerHe can reach Director of Call Center Operations, [redacted] , directly Initial Consumer Rebuttal / [redacted] (3000, 14, 2015/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response continues to assume there was no contact before Jan It ignores the documented and shared attempts to cancel within the first daysThere are "no reported issues on the account" because the people on the phone did not report themThe phone records show otherwise While the claim is to have tried to reach me "multiple " and "numerous" times, I am as easy to reach as anyoneThey have my business phone, which is answered during all business hoursI would be interested to have proof of how many "multiple" actually isEmail has not been utilized from their end Bottom line: I never used the serviceI never received the machine needed to use the serviceI documented and have phone records for the times within the first days in which I contacted the company to cancel Before resorting to Revdex.com I communicated with the supervisor of Customer Service via the easily documented means of email"I'll get back with you" is what was repeated again and again over the course of four monthsRevdex.com has records of how many attempts it took them to get a response, as well I will be contacting the suggested Director as requested (though no contact information is provided), and hope to update saying they were "more than willing to assist the customer." In all, I do not accept the response from the business because it ignores much of the content of the original complaint and deflects rather than addresses the problem Final Business Response / [redacted] (4000, 25, 2015/10/26) */ The consumer executed a merchant agreement for a month periodHe decided to break the contract prior to the expiration of the agreementDespite his choice to break the agreement CPAY refunded the legitimate Early Termination Fee as a courtesyIn good faith CPAY is willing to refund an additional months of legitimate monthly fees again, as a courtesy, if all matters are put to rest Final Consumer Response / [redacted] (4200, 27, 2015/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) As a courtesy, the company could prove good faith by reading and addressing the core of the complaint: I tried three times in the day cancellation period to cancelEach time I was told my sales rep was the only way to cancel and he would call meThere was no call from my sales repThe third call, as the day period was closing, the person on the phone emphasized the same pointI was not satisfied and pleaded for another way to cancel, she said there was no way other than through my sales repI asked for a complaint to be filed that the issue was not addressed, and to make a note on my account that I wanted to cancel Almost as if they were trained to stymie, it was not until after the days that they told me all I had to do was write in In trying to resolve the issue post-days, I was told there was no record of my calls, and no notes on my accountI sent them my phone records with their number, dates of calls, and then was told they would get back with meI asked for records from their end, and the possibility of the calls being recordedNo response Ignore and conquer has been the strategy this company has employed, never addressing the core issue, refusing to return my calls or emails, and then casting blame on meI have shown due diligence for over a year, taking some form of action almost monthly to resolve the issue, but the core of the issue is not resolved The way it is, the company unjustly charged me almost $1000, refunded 500, and now is offering to "courteously" return a less than two hundredFrom the initial deceptiveness of the original sales people to the deflective customer service, and to the lack of willingness to even address the complaint, I do not consider this case resolved My concern is that it seems like the sales people are trained to deceive, then the customer service trained to take any measure to make sure the account is not closed in the day "guarantee" period, even if it means further deception (saying the sales rep is the only way to cancel), not leaving notes, and not making records of calls, even at the customer's explicit requestThis is not ethical business, and I would hope they would go the distance to make sure the public knows that is not the strategy that they employ
Initial Business Response / [redacted] (1000, 10, 2016/01/11) */ We have reviewed Mr***'s rates at the time he signed up versus his agreement and the rates did matchMr [redacted] did contact our office to speak with [redacted] as he mentionedAt that time the representative made a rate reduction to lower rates than his agreement statesThe reduction occurred at the end of OctoberAs a courtesy CPAY would like to offer a credit for the difference in fees going back to October 1st Initial Consumer Rebuttal / [redacted] (3000, 12, 2016/01/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) The rate reduction is welcome but only addresses a portion of my grievanceI discussed, at length , with [redacted] the numerous other inappropriate or un-known charges to our accountI still would like these charges reversed in addition to the rate refundPlease call me directly if this these issues can be correctedI still would like to cancel our service with C-Pay due to the lack of communication over these issues from your local representative and the companyThank you for responding to this issue***[redacted] Final Business Response / [redacted] (4000, 14, 2016/01/26) */ CPAY has been in contact with Mr***We have gone over all fees he had questions about and have provided him with an accounting of the charges and credits that have been issued to his accountMr [redacted] also requested to have his rates re-evaluated and sent to him so he can review
On 9/26/Central Payment received [redacted] s bank statement requesting a $reimbursement for her previous processorOn 9/27/2016, she was advised in order to process request, Central Payment needed an ETF reimbursement form signed by owner as she was agreeing to our terms & conditions On 9/27/2016, [redacted] refused to sign our ETF reimbursement due to not being aware of our month agreement and requested to cancel her serviceOn 9/27/2017, [redacted] was informed in order to properly discuss her request, we needed owner to call in personallyCentral Payment did not receive a response from [redacted] until 2/8/claiming she had attempted several times and was set on hold for hoursAttached file is a copy of [redacted] s signed agreementWe received an agreement as [redacted] acknowledge she would be assessed to all fees listed on the applicationRESOLUTION: Since [redacted] mentioned she wanted to cancel her account on 9/27/16, as a courtesy, Central Payment has credited the total amount of $which is the breakdown of September 2016- February [redacted] was also removed from collections due to a stop payment placed when we attempted to collect $for March feesAs of 4/15/2017, account has been closed
Ms [redacted] has already returned the equipment and has submitted her cancellation letterHer account is in the process of being closedShe has also confirmed she has received all funds
Per our conversation on 6/14/17, Central Payment has agreed to a one year addendumAttached file is the addendum we will need signed by [redacted] in order to reimburse $Central Payment also agreed to lower the qualified rate from 0.15% to 0.11%As stated on pageof the agreement, [redacted] will have additional savings when completing the PCI questionnaireOn 6/14/17, [redacted] was advised The PCI link would be emailed to [email protected] so she can complete and become compliantCentral Payment also offers a price match guarantee programIf [redacted] believes she is being quoted a better deal, we can review her account to match the offer
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, Ngat Huynh
*** *** signed a contract with us on 1/06/and per the contract I have attached central Payment did not ever agree to waive an annual fee we actually put the annual fee on the third page of the contract that he signed. Central Payment has offered to issue partial credits to him as a
courtesy but he had declined those efforts. Merchant has called in and was confused by being PCI compliant so he is not charged an monthly non compliance fee and the annual fee for PCI. Central Payment just like this merchant must be PCI compliant but obviously at a much larger scale
Resolution
Central Payment is willing to offer half of the annual fee for PCI back to the merchant on each account as courtesy
Initial Business Response /* (1000, 9, 2015/07/29) */
*** worked with our representatives and has decided to remain with Central PaymentOur representatives are assisting with courtesy credits as well
Initial Business Response /* (1000, 13, 2015/10/16) */
Chargebacks are not initiated by the Processor but by the card holderThe consumer's customer is the party disputing these transactionsThe merchant did not win both ChargebacksOne merchant lost one Chargeback and the second is still open
Our Chargeback department is awating a response from the card issuing bankAs a processor CPAY has to follow all Chargeback protocols
Initial Consumer Rebuttal /* (3000, 15, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with Central Payment's responseI won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing of the charges again, so now I am waiting to hear back$of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback feesI feel as if I am being scammed because $is such a random number and they will not send me a breakdown to show where my $was applied toA representative by the name of *** who is in charge of Chargebacks was supposed to email me all my documents on separate occasions, she never hasSince I won the first round of Chargebacks, I feel Central Payment can at least return my $back to me in good faith but instead they closed my accountI would like my $returned to me
Final Consumer Response /* (3000, 18, 2015/11/20) */
The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with Central Payment's responseI won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing of the charges again, so now I am waiting to hear back$of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback feesI feel as if I am being scammed because $is such a random number and they will not send me a breakdown to show where my $was applied toA representative by the name of *** who is in charge of Chargebacks was supposed to email me all my documents on separate occasions, she never hasSince I won the first round of Chargebacks, I feel Central Payment can at least return my $back to me in good faith but instead they closed my accountI would like my $returned to me
Complaint: ***
I am rejecting this response because: They didn't acknowledge my requestThey have misrepresented information to my business. I don't wish to continue a relationship with a company that employs underhanded tactics.I will be terminating my short and unsatisfactory relationship with this businessBuyer beware, read the fine print and question everything they propose
Sincerely,
*** ***
Central Payment received two signed Agreements from *** *** that stated she read and understood our Terms and ConditionsAttached documents is *** agreements with Central Payment that lists all fees she was assessed tooPer notes, Central Payment was not notified that *** wanted to
close out her accountWe also have no record of her calling in regarding closurePer the agreement, the merchant needed to give us a call and state she wanted to close out her account and we would have given proper cancellation procedures to do soWithout notification we would not know she wanted to cancel her service
RESOLUTION: As of today (9/11/17) both accounts have been closed with no required written noticeAlso, *** has an owed amount in collections due to the stop payment reject we received when attempting to collect August’s feesMerchant decided to put a stop payment on her account instead of following proper cancellation procedures thus causing her to go to collectionsAs a courtesy, Central Payment removed and cleared *** from collections
Initial Business Response /* (1000, 8, 2015/12/02) */
The merchant submitted their day notice of cancellation letter in NovemberThe merchant was further advised that the day cancellation process takes place upon receipt of the cancellation letterTo resolve the merchant's concerns we have
expedited the closureThe account is closed
Complaint: ***
I am rejecting this response because: I was not informed of the three year addendum at the time of signing and their representative, *** *** called me yesterday and said she was unaware of the addendum
I feel that this was deceptive practice on their partThey have now offered me a slightly lower rate and a one year addendum, but I have yet to see it in writing and, frankly, I don't want to deal with this company's underhanded tactics.I have spoken with another company who used their services and they were charged a lower rate at first and then more fees were incurred every month.I want to end this very bad associationI would be willing to split the fee, as long as they sever all connections
Sincerely,
*** ***
*** was quoted an incorrect rate, and should have been communicated a new rate. However, CPAY inadvertently failed to communicate the new rate to merchant. We have no reason to suspect fraud, or any compromise of the merchant's information. We have initiated a refund of
$174.52, and reinstated the merchant's original quoted rate. We have also informed *** that she is free to terminate without penalty. As such, we consider the matter closed
I did not receive the contract that I signed. I reviewed the contract with the salesperson, *** ***. He crossed out sections of the application that did not apply. I would like to see a copy of this contract that I signed stating I would pay these ridiculous fees. My business is at a market that is only open days a week. Why would anyone sign up for a program like this knowing you would be spending that much money and only having customers days a month. I never would have changed from using Square had I known these prices. He reassured me numerous times over a weeks time that it was only $a month fee
Complaint: ***I am rejecting this response because:Sincerely,*** ***
Tell us why here
*** *** has been receiving deposits from Central Payment since October and was never mentioned she claims to not signing agreementAll fees are included on the agreement and we notify of rate increases through statementsCentral Payment received a signed contract
and voided check as merchant agreed to serviceAttached files is a copy of the agreement signed by *** * *** as well as first and last page of PCI questionnaire to proof that signatures matchIf *** claims she did not sign contract, Central Payment requests a copy of Drivers License to take necessary actionsOn page of the agreement, it states merchant is agreeing to a year term and If processing after initial term will auto renewal for yearsIf cancelling before year renewal, merchant is responsible for a $Early Termination FeeAs stated on Terms & Conditions, merchant needs to notify Central Payment if not wanting to auto renewal during the year term for an agreementOn 4/7/we advised *** in order to cancel service, we need a letter of cancellation which we have not received and is still processing credit cards as of 4/8/As of today 4/10/2017, *** has not been charged $ETF due to still not receiving a letter of cancellationTherefore, no necessary refund to be issued
Resolution: Central Payment will waive $Early Termination fee and equipment does not need to be returnedAs a courtesy, we will cancel account with no letter of cancellationHowever, *** needs to confirm she will stop processing credit cards so we can close account
Initial Business Response /* (1000, 10, 2015/10/14) */
This consumer contact CPAY to close her account and submitted her day notice of cancellation the second week of SeptemberAccording to the terms and conditions her account has already been closedCPAY has found no fault and all items have
been handled according to the consumer's merchant agreement between her business and CPAY
Attached file Is *** Application and AgreementOn pageof the agreement, *** signed the application acknowledging to our terms & conditionsThe fees she has been assessed are the same fees that are listed on pageof the agreementAs stated on the application, *** was set on
a month to month agreement with no early termination feeDue to her not being on a contract that allows her to cancel her application at any timeAs a courtesy, upon approval Central Payment offers to reimburse previous processors early termination feeMerchants are required to sign an addendum that states they will complete months or Central Payment has the right to retract the reimbursementPer notes, *** has not been advised we don’t want to reimburseShe has refused to sign the agreementAs a courtesy, our sales agents will offer to help with previous processors closure but as an authorized signer, merchants are responsible to cancel their own accountRESOLUTION: Central Payment will reimburse $once we receive a signed addendum
In order to further assist and resolve this case, Sue will need to provide a bank statement that show the description of the debits from her bank account and a monthly statement for MID: *** Central Payment reached out to Sue on 6/27/to advice of the necessary documents but
was only able to leave a voicemailSue can email the documents to ***Once received, Central Payment can further investigate
Initial Business Response / [redacted] (1000, 5, 2016/01/19) */ CPAY has not deceived the consumer with regards to the B-Notice or backup withholdingsPlease refer to IRS website: [redacted] CPAY is always willing to work with our merchants and understand there are circumstances where exceptions to an agreement have to be made in favor of our clientThe merchant executed the agreement which outlined all the business information that the consumer was able to review prior to signing the agreementIf there was a mistake in any of the information we do have the ability to rectify it, in this case the consumer's TIN
Initial Business Response / [redacted] (1000, 12, 2015/07/08) */ We did not receive notice from the client that he wanted to cancel his credit card service until he notified our corporate office in Jan CPAY closed the account in FebruaryThere are no reported issues on the account and there are multiple records from our office attempting to contact the customer with no successEven with [redacted] placing this complaint, CPAY attempted numerous times to contact the customer, unfortunately the voice mail continues to state that his voice mail box is full and cannot accept messagesCPAY is more than willing to assist the customerHe can reach Director of Call Center Operations, [redacted] , directly Initial Consumer Rebuttal / [redacted] (3000, 14, 2015/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response continues to assume there was no contact before Jan It ignores the documented and shared attempts to cancel within the first daysThere are "no reported issues on the account" because the people on the phone did not report themThe phone records show otherwise While the claim is to have tried to reach me "multiple " and "numerous" times, I am as easy to reach as anyoneThey have my business phone, which is answered during all business hoursI would be interested to have proof of how many "multiple" actually isEmail has not been utilized from their end Bottom line: I never used the serviceI never received the machine needed to use the serviceI documented and have phone records for the times within the first days in which I contacted the company to cancel Before resorting to Revdex.com I communicated with the supervisor of Customer Service via the easily documented means of email"I'll get back with you" is what was repeated again and again over the course of four monthsRevdex.com has records of how many attempts it took them to get a response, as well I will be contacting the suggested Director as requested (though no contact information is provided), and hope to update saying they were "more than willing to assist the customer." In all, I do not accept the response from the business because it ignores much of the content of the original complaint and deflects rather than addresses the problem Final Business Response / [redacted] (4000, 25, 2015/10/26) */ The consumer executed a merchant agreement for a month periodHe decided to break the contract prior to the expiration of the agreementDespite his choice to break the agreement CPAY refunded the legitimate Early Termination Fee as a courtesyIn good faith CPAY is willing to refund an additional months of legitimate monthly fees again, as a courtesy, if all matters are put to rest Final Consumer Response / [redacted] (4200, 27, 2015/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) As a courtesy, the company could prove good faith by reading and addressing the core of the complaint: I tried three times in the day cancellation period to cancelEach time I was told my sales rep was the only way to cancel and he would call meThere was no call from my sales repThe third call, as the day period was closing, the person on the phone emphasized the same pointI was not satisfied and pleaded for another way to cancel, she said there was no way other than through my sales repI asked for a complaint to be filed that the issue was not addressed, and to make a note on my account that I wanted to cancel Almost as if they were trained to stymie, it was not until after the days that they told me all I had to do was write in In trying to resolve the issue post-days, I was told there was no record of my calls, and no notes on my accountI sent them my phone records with their number, dates of calls, and then was told they would get back with meI asked for records from their end, and the possibility of the calls being recordedNo response Ignore and conquer has been the strategy this company has employed, never addressing the core issue, refusing to return my calls or emails, and then casting blame on meI have shown due diligence for over a year, taking some form of action almost monthly to resolve the issue, but the core of the issue is not resolved The way it is, the company unjustly charged me almost $1000, refunded 500, and now is offering to "courteously" return a less than two hundredFrom the initial deceptiveness of the original sales people to the deflective customer service, and to the lack of willingness to even address the complaint, I do not consider this case resolved My concern is that it seems like the sales people are trained to deceive, then the customer service trained to take any measure to make sure the account is not closed in the day "guarantee" period, even if it means further deception (saying the sales rep is the only way to cancel), not leaving notes, and not making records of calls, even at the customer's explicit requestThis is not ethical business, and I would hope they would go the distance to make sure the public knows that is not the strategy that they employ
Initial Business Response / [redacted] (1000, 10, 2016/01/11) */ We have reviewed Mr***'s rates at the time he signed up versus his agreement and the rates did matchMr [redacted] did contact our office to speak with [redacted] as he mentionedAt that time the representative made a rate reduction to lower rates than his agreement statesThe reduction occurred at the end of OctoberAs a courtesy CPAY would like to offer a credit for the difference in fees going back to October 1st Initial Consumer Rebuttal / [redacted] (3000, 12, 2016/01/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) The rate reduction is welcome but only addresses a portion of my grievanceI discussed, at length , with [redacted] the numerous other inappropriate or un-known charges to our accountI still would like these charges reversed in addition to the rate refundPlease call me directly if this these issues can be correctedI still would like to cancel our service with C-Pay due to the lack of communication over these issues from your local representative and the companyThank you for responding to this issue***[redacted] Final Business Response / [redacted] (4000, 14, 2016/01/26) */ CPAY has been in contact with Mr***We have gone over all fees he had questions about and have provided him with an accounting of the charges and credits that have been issued to his accountMr [redacted] also requested to have his rates re-evaluated and sent to him so he can review
On 9/26/Central Payment received [redacted] s bank statement requesting a $reimbursement for her previous processorOn 9/27/2016, she was advised in order to process request, Central Payment needed an ETF reimbursement form signed by owner as she was agreeing to our terms & conditions On 9/27/2016, [redacted] refused to sign our ETF reimbursement due to not being aware of our month agreement and requested to cancel her serviceOn 9/27/2017, [redacted] was informed in order to properly discuss her request, we needed owner to call in personallyCentral Payment did not receive a response from [redacted] until 2/8/claiming she had attempted several times and was set on hold for hoursAttached file is a copy of [redacted] s signed agreementWe received an agreement as [redacted] acknowledge she would be assessed to all fees listed on the applicationRESOLUTION: Since [redacted] mentioned she wanted to cancel her account on 9/27/16, as a courtesy, Central Payment has credited the total amount of $which is the breakdown of September 2016- February [redacted] was also removed from collections due to a stop payment placed when we attempted to collect $for March feesAs of 4/15/2017, account has been closed
Ms [redacted] has already returned the equipment and has submitted her cancellation letterHer account is in the process of being closedShe has also confirmed she has received all funds
Per our conversation on 6/14/17, Central Payment has agreed to a one year addendumAttached file is the addendum we will need signed by [redacted] in order to reimburse $Central Payment also agreed to lower the qualified rate from 0.15% to 0.11%As stated on pageof the agreement, [redacted] will have additional savings when completing the PCI questionnaireOn 6/14/17, [redacted] was advised The PCI link would be emailed to [email protected] so she can complete and become compliantCentral Payment also offers a price match guarantee programIf [redacted] believes she is being quoted a better deal, we can review her account to match the offer
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, Ngat Huynh
*** *** signed a contract with us on 1/06/and per the contract I have attached central Payment did not ever agree to waive an annual fee we actually put the annual fee on the third page of the contract that he signed. Central Payment has offered to issue partial credits to him as a
courtesy but he had declined those efforts. Merchant has called in and was confused by being PCI compliant so he is not charged an monthly non compliance fee and the annual fee for PCI. Central Payment just like this merchant must be PCI compliant but obviously at a much larger scale
Resolution
Central Payment is willing to offer half of the annual fee for PCI back to the merchant on each account as courtesy
Initial Business Response /* (1000, 9, 2015/07/29) */
*** worked with our representatives and has decided to remain with Central PaymentOur representatives are assisting with courtesy credits as well
Initial Business Response /* (1000, 13, 2015/10/16) */
Chargebacks are not initiated by the Processor but by the card holderThe consumer's customer is the party disputing these transactionsThe merchant did not win both ChargebacksOne merchant lost one Chargeback and the second is still open
Our Chargeback department is awating a response from the card issuing bankAs a processor CPAY has to follow all Chargeback protocols
Initial Consumer Rebuttal /* (3000, 15, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with Central Payment's responseI won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing of the charges again, so now I am waiting to hear back$of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback feesI feel as if I am being scammed because $is such a random number and they will not send me a breakdown to show where my $was applied toA representative by the name of *** who is in charge of Chargebacks was supposed to email me all my documents on separate occasions, she never hasSince I won the first round of Chargebacks, I feel Central Payment can at least return my $back to me in good faith but instead they closed my accountI would like my $returned to me
Final Consumer Response /* (3000, 18, 2015/11/20) */
The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with Central Payment's responseI won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing of the charges again, so now I am waiting to hear back$of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback feesI feel as if I am being scammed because $is such a random number and they will not send me a breakdown to show where my $was applied toA representative by the name of *** who is in charge of Chargebacks was supposed to email me all my documents on separate occasions, she never hasSince I won the first round of Chargebacks, I feel Central Payment can at least return my $back to me in good faith but instead they closed my accountI would like my $returned to me
Complaint: ***
I am rejecting this response because: They didn't acknowledge my requestThey have misrepresented information to my business. I don't wish to continue a relationship with a company that employs underhanded tactics.I will be terminating my short and unsatisfactory relationship with this businessBuyer beware, read the fine print and question everything they propose
Sincerely,
*** ***
Central Payment received two signed Agreements from *** *** that stated she read and understood our Terms and ConditionsAttached documents is *** agreements with Central Payment that lists all fees she was assessed tooPer notes, Central Payment was not notified that *** wanted to
close out her accountWe also have no record of her calling in regarding closurePer the agreement, the merchant needed to give us a call and state she wanted to close out her account and we would have given proper cancellation procedures to do soWithout notification we would not know she wanted to cancel her service
RESOLUTION: As of today (9/11/17) both accounts have been closed with no required written noticeAlso, *** has an owed amount in collections due to the stop payment reject we received when attempting to collect August’s feesMerchant decided to put a stop payment on her account instead of following proper cancellation procedures thus causing her to go to collectionsAs a courtesy, Central Payment removed and cleared *** from collections
Initial Business Response /* (1000, 8, 2015/12/02) */
The merchant submitted their day notice of cancellation letter in NovemberThe merchant was further advised that the day cancellation process takes place upon receipt of the cancellation letterTo resolve the merchant's concerns we have
expedited the closureThe account is closed
Complaint: ***
I am rejecting this response because: I was not informed of the three year addendum at the time of signing and their representative, *** *** called me yesterday and said she was unaware of the addendum
I feel that this was deceptive practice on their partThey have now offered me a slightly lower rate and a one year addendum, but I have yet to see it in writing and, frankly, I don't want to deal with this company's underhanded tactics.I have spoken with another company who used their services and they were charged a lower rate at first and then more fees were incurred every month.I want to end this very bad associationI would be willing to split the fee, as long as they sever all connections
Sincerely,
*** ***
*** was quoted an incorrect rate, and should have been communicated a new rate. However, CPAY inadvertently failed to communicate the new rate to merchant. We have no reason to suspect fraud, or any compromise of the merchant's information. We have initiated a refund of
$174.52, and reinstated the merchant's original quoted rate. We have also informed *** that she is free to terminate without penalty. As such, we consider the matter closed
I did not receive the contract that I signed. I reviewed the contract with the salesperson, *** ***. He crossed out sections of the application that did not apply. I would like to see a copy of this contract that I signed stating I would pay these ridiculous fees. My business is at a market that is only open days a week. Why would anyone sign up for a program like this knowing you would be spending that much money and only having customers days a month. I never would have changed from using Square had I known these prices. He reassured me numerous times over a weeks time that it was only $a month fee
Complaint: ***I am rejecting this response because:Sincerely,*** ***
Tell us why here
*** *** has been receiving deposits from Central Payment since October and was never mentioned she claims to not signing agreementAll fees are included on the agreement and we notify of rate increases through statementsCentral Payment received a signed contract
and voided check as merchant agreed to serviceAttached files is a copy of the agreement signed by *** * *** as well as first and last page of PCI questionnaire to proof that signatures matchIf *** claims she did not sign contract, Central Payment requests a copy of Drivers License to take necessary actionsOn page of the agreement, it states merchant is agreeing to a year term and If processing after initial term will auto renewal for yearsIf cancelling before year renewal, merchant is responsible for a $Early Termination FeeAs stated on Terms & Conditions, merchant needs to notify Central Payment if not wanting to auto renewal during the year term for an agreementOn 4/7/we advised *** in order to cancel service, we need a letter of cancellation which we have not received and is still processing credit cards as of 4/8/As of today 4/10/2017, *** has not been charged $ETF due to still not receiving a letter of cancellationTherefore, no necessary refund to be issued
Resolution: Central Payment will waive $Early Termination fee and equipment does not need to be returnedAs a courtesy, we will cancel account with no letter of cancellationHowever, *** needs to confirm she will stop processing credit cards so we can close account
Initial Business Response /* (1000, 10, 2015/10/14) */
This consumer contact CPAY to close her account and submitted her day notice of cancellation the second week of SeptemberAccording to the terms and conditions her account has already been closedCPAY has found no fault and all items have
been handled according to the consumer's merchant agreement between her business and CPAY
Attached file Is *** Application and AgreementOn pageof the agreement, *** signed the application acknowledging to our terms & conditionsThe fees she has been assessed are the same fees that are listed on pageof the agreementAs stated on the application, *** was set on
a month to month agreement with no early termination feeDue to her not being on a contract that allows her to cancel her application at any timeAs a courtesy, upon approval Central Payment offers to reimburse previous processors early termination feeMerchants are required to sign an addendum that states they will complete months or Central Payment has the right to retract the reimbursementPer notes, *** has not been advised we don’t want to reimburseShe has refused to sign the agreementAs a courtesy, our sales agents will offer to help with previous processors closure but as an authorized signer, merchants are responsible to cancel their own accountRESOLUTION: Central Payment will reimburse $once we receive a signed addendum
In order to further assist and resolve this case, Sue will need to provide a bank statement that show the description of the debits from her bank account and a monthly statement for MID: *** Central Payment reached out to Sue on 6/27/to advice of the necessary documents but
was only able to leave a voicemailSue can email the documents to ***Once received, Central Payment can further investigate