Initial Business Response /* (1000, 11, 2015/10/05) */
This complaint has no merit. CPAY does not take a "deposit" to set up an account. The merchant agreed to a $200 Application and Setup fee at the start of his agreement. The account is cancelled and we did not apply the renewal cancellation fee....
Furthermore, CPAY has already issued a credit for the last month's of legitimate monthly fees as a courtesy only.
On 10/6/17, [redacted]t had 9 transactions authorized for the overall amount of $54,000.00 owned by the same client. There were multiple attempts made on 9 different cards for different amounts including some declined transaction until they were able to successfully run a total amount of $54,000.00. Any...
processing company, would have notice these numerous declines and would handle the same way as Central Payment. Due to the amount and declines of numerous attempts when trying different amounts, it was reported to our Risk department as a red flag. As stated on Terms & Conditions, for the merchant’s protection, when a sale is flagged as Risky, funds will be on hold until further investigation. Attached file is [redacted]t’s agreement. On page.1 of the agreement, we request an average ticket amount to summarize what the highest sale amount the business usually runs so as a processing company we protect our merchants from unusual transactions. On 10/09/17, Central Payment reached out to [redacted]t and requested any documentation regarding the transaction for further review. Our Risk department advised due to the sale amount, numerous attempts, and [redacted]t’s processing history not supporting as a usual amount, we advised to refund the customer and accept a cashier check or have funds held for 180 days to prevent any Chargebacks. [redacted]t’s husband [redacted] agreed to have funds held. After 30 days of funds being held, on 11/28/17 Our Risk management spoke to [redacted]t’s daughter. [redacted]t’s daughter requested immediate action to have funds released but was advised it was agreed to keep funds on hold. As a courtesy, Central Payment agreed to release in 90 days instead of 180 days. The set released date is January 6, 2018.
Per the conversation on 3/16/17, Central Payment reached out to [redacted] to advise he has no early termination fee and can keep equipment. [redacted] understood and was Ok with resolution.
[redacted] signed a month-to-month contract on August 15th 2016 and canceled account on December 12th 2016. I have attached the contact that [redacted] singed and agreed to. It does stated the charges that would be charged to this merchant on page three of the contract. When signing...
this contract the merchant is stating that they have agreed to and understand the contract and fees associated with this contract. It shows that she was offered interchange + .40BP and 0.10 cents and that she would have a $7.00 monthly statement fee plus a $25.00 monthly minimum, which we explained to her. It also shows she would have a $0.25 cent batch fee etc. [redacted] used our services and used them during the months she is asking credit for. I have attached the statement showing the processing fees incurred during those months. One of our reps spoke to [redacted] and explained in detail all charges per the contract she agreed to. Please note again that the money merchant is asking for is for processing fees incurred for using the processing services Central Payment provided to her.
Resolution
As a courtesy I will issue back her monthly min of $25.00 for October, November and December since I feel she did not understand how the monthly min worked even thought we did explain to her in depth. However since she processed she will be responsible for the other fees incurred during these months.
Per our conversation on 6/14/17, Central Payment has agreed to a one year addendum. Attached file is the addendum we will need signed by [redacted] in order to reimburse $375.00. Central Payment also agreed to lower the qualified rate from 0.15% to 0.11%. As stated on page.3 of the agreement, [redacted] will have additional savings when completing the PCI questionnaire. On 6/14/17, [redacted] was advised The PCI link would be emailed to [email protected] so she can complete and become compliant. Central Payment also offers a price match guarantee program. If [redacted] believes she is being quoted a better deal, we can review her account to match the offer.
[redacted] signed and agreed to the contract that I attached to the pervious response. By signing the contract she stated she read and agreed to all fees that are clearly writing on the contact. Central Payment doesn't hide these fees and again we do put them on the contract. When merchant signs the contract she again is stating she had agreed to and understands all fees associated with this contract. [redacted] did processing and incurred processing fees for September thru December. Central Payment is willing to give back the monthly min of $25 even thought Central Payment clearly wrote this on the contract I submitted. Central Payment will also as a courtesy issue the three months merchant was charged for not becoming PCI complaint even thought again this was told to the merchant on page three of her contract. Central Payment will also as a courtesy issue back the three months of CCAP which was 7.95 per month for three months. In regards to other fees incurred these are fees for processing and can not be credited back because these fees have already been paid to the bank.
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. HOWEVER....This is the same crap we went thru in October of last year.My account WAS closed properly by filling in the proper paperwork and faxing it to central payment.I have printed this response off and fully EXPECT central payment to follow thru this time around.I DO NOT expect to see $495.00 being taken from my account AGAIN by central payment in a couple of months only to start this all over again which seems to be the current pattern.I would like the option in the future to re-open the complaint as I am a little unsure of the ability of central payment to follow thru with actions....
Initial Business Response /* (1000, 8, 2015/05/01) */
CPAY has already closed [redacted]'s account per her previous request. Her local representative states that he did advise [redacted] of the credit for her Application and Setup. CPAY has now issued this credit to her account. We apologize to [redacted] for the...
delay in receiving her credit.
Initial Consumer Rebuttal /* (3000, 10, 2015/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received the setup fee of $195.00 5/6/15 which is appreciated but the monthly fee of $69.31 was not refunded. I feel I am owed that amount due to the lack of information from the Account Executive, his lack of service as promised to assist in the setup and his stall tactics, which goes back to February time frame. If the Account Executive would have full filled his promise, my contract would have been cancelled in time to avoid a monthly fee. A prompt refund of the monthly fee of $69.31 is still outstanding.
Thank you.
Final Business Response /* (4000, 14, 2015/06/10) */
6-2-15
Sent via email:
Hi [redacted]
This customer is not "owed" that amount back. She called and submitted her 30 day notice of cancellation in March. The $69.31 accounts for March month-end statement. As a courtesy ONLY we have issued this credit.
Thank you,
[redacted]
Final Consumer Response /* (2000, 16, 2015/06/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Hello [redacted]
I have received the refund which was due me, thank you. Contrary to [redacted]'s remark as I was not "owed" the amount back. I was due the refund, due to the lack of information provided to me by the Account Executive. I started inquiring with the Account Executive in January and never once did he tell me I needed to contact the company, only that he would be drive to my business to instruct me how to install the machine. A day was set in Jan, needless to say the Account Executive never arrived or called to let me know he wouldn't be there. I called a day later and my call went into his voice mail. I called again a few days later and finally spoke with the Account Executive. His reason he didn't show was due to illness and we once again set another day in Feb for him to come to my business, again he did not show. Never once during all our phone calls did he inform me to contact the business to close our account. After numerous calls again I could not reach the Account Executive, I sent him a text informing him if he did not call me that day to settle the matter I would contact Revdex.com. Surprise, I had a call from him within 5 minutes. At that time he finally informed me they were having numerous issues with the machine we had, we were still within our trial period and I should contact the company to cancel our account and everything would be refunded to me. If the Account Executive had informed me back in Jan what I needed to do, the account would have been closed in Jan and I would never been charged a monthly fee. The Account Executive is remiss in his title and needs to perhaps go back for training so he is informed on how to do his job effectively. I am truly disappointed in the service I received during the time I had my contract and will never refer the company as a reputable business.
Complaint: [redacted]
I have the original signed contractual agreement (not a quote) that clearly proves CPAY fraudulently altered the agreement after it was signed and submitted. Fees and rates were added and increased on the counterfeit agreement produced by CPAY.
It is insulting to hear them say that they "have no reason to suspect fraud" after I delivered side by side copies of the documents to the Director of Risk Management [redacted], Managing Partner [redacted], Managing Partner [redacted] and Registered In-House Counsel [redacted] on November 9th, 2017.
Returning some of the stolen money does not absolve them from wrongdoing. In my opinion, referring to serious violations of a contract as merely "inadvertently failed to communicate" either shows complete lack of competency or an absolute disregard for the truth. My sensitive personal and business information is now in the hands of a company that has proven it can not be trusted.
Sincerely,[redacted]
[redacted] signed into a month to month contract on December 21st 2016. We received [redacted]'s letter on January 1st 2017. I have attached a copy of the contract [redacted] signed and agreed to. On this month to month contract you will see all rates and monthly fees she agreed...
to. When [redacted] called in and spoke to our reps she advised she was canceling the account because she felt she had found better rates with another processor. Central Payment reps explained to merchant that she was already on very competitive rates but we did advised that we will meet or beat any other proposal however [redacted] declined. Central Payment advised we need a letter of cancellation that it can take up to 30 days to close the account however there are no fees during that time unless she is using the services. [redacted] did process until the 7th of January so she will owe funds for processing. I have also attached the first and only billing statement on file showing that she was only charged .54 cents. Please also look at contract showing the monthly fees merchant would be responsible for. Please also see signature where merchant agreed to these terms.
Resolution
Since there is no more active processing on the account we will expedite the closure of the account. I will also as a courtesy issue the $0.54 cents that she was charged in December and once her January statement comes out I will as a courtesy issue her the $7.00 statement fee even thought this was agreed to on the contract by [redacted]. Since she has processed in January she will see a debit to her account for those fees but that will be the last debit.
This complaint has no merit. [redacted] is not a signer for this merchant account. He contacted our Customer Service department on 1/29/16 to ask about cancellation of the account. At this point our representatives tried to assist asking why it is he wanted to cancel and the response was that it really...
doesn't matter. We provided the cancellation information and stated that we ask for a 30 day notice of cancellation and was further asked to have the equipment returned. He stated that his local representative had taken the equipment, later admitted that he was still in possession of the equipment. CPAY expedited the closure of the account to 2/15/16.
Initial Business Response /* (1000, 10, 2015/05/27) */
Mr. [redacted] executed a 36 month agreement with CPAY. CPAY closed his account in April. We did not collect an early termination fee. This complaint has no merit. CPAY will gladly provide a copy of the merchant agreement executed by Mr. [redacted]...
to the Revdex.com if necessary. CPAY does agree to waive any fees in collections that are not for active processing.
Initial Consumer Rebuttal /* (3000, 12, 2015/05/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The issues of my complaint were completely ignored in their response. How do I respond when they did not even address the issues in my complaint?
On 9/26/2016 Central Payment received [redacted]s bank statement requesting a $495.00 reimbursement for her previous processor. On 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 36 month agreement and requested to cancel her service. On 9/27/2017, [redacted] was informed in order to properly discuss her request, we needed owner to call in personally. Central Payment did not receive a response from [redacted] until 2/8/2017 claiming she had attempted several times and was set on hold for 2 hours. Attached file is a copy of [redacted]s signed agreement. We received an agreement as [redacted] acknowledge she would be assessed to all fees listed on the application. RESOLUTION: Since [redacted] mentioned she wanted to cancel her account on 9/27/16, as a courtesy, Central Payment has credited the total amount of $380.90 which is the breakdown of September 2016- February 2017. [redacted] was also removed from collections due to a stop payment placed when we attempted to collect $17.45 for March fees. As of 4/15/2017, account has been closed.
Per our conversation on 4/3/2017, we agreed to waive amount owed in collections due to account being terminated for not properly cancelling account. We also agreed to email a return label to get equipment back to us. $495.00 debit is in process because we have not received equipment. [redacted] stated he had sent equipment to Northern Leasing and had confirmation of them receiving. Central Payment advised [redacted] we had no records of equipment being leased and if possible to forward proof for further review because Central Payment provided the equipment. [redacted] agreed asked to be emailed and would reply with proof of equipment being returned. As of 4/4/2017 we have not received an email.
Resolution: As a courtesy, Equipment does not have to be returned to Central Payment. Our records shows $495.00 debit is still in process. [redacted] placed a stop payment on 10/3/2016 so it’s possible debit could fail. However, if debit goes thru we will go ahead and credit once our records confirm we have successfully collected. If [redacted] claims charge was already successfully removed, with proof of debit we can expedite credit.
Central Payment’s fees are all included on the Application & Agreement. Attached documents are the two applications Central Payment received as merchant agreed to our Terms & Conditions. On page. 3 of the agreement, [redacted] signed as he was aware of all fees. Central Payment did not receive a...
letter of cancellation in February therefore, [redacted] was charged monthly fees for the month of March. As stated on Page.2 under Equipment Setup, [redacted] agreed to return all provided equipment to Central Payment if terminating service before 36 month completion at owners expense. Terms & Conditions also state account will be closed 30 days after we receive a letter of cancellation.
Resolution: As a courtesy, Central Payment expedited closure for both accounts. As of 4/19/2017 both accounts are now closed. Due to [redacted] claiming he sent both letters in February, $18.17 and $24.50 has been credited for March fees.
[redacted] was the Agent for CentralPayment, who sold the service to [redacted], Inc[redacted] stated that he required no contract and he only charged 0.018%
Central Payment is continuing to take money from my bank account even after I provided the forged contract and the Managing Partner agreed not to charge us based on the true contract. Another withdrawal was made today in the amount of $16.75.
Other potential victims of this scheme should be aware of the deceitful practices of this Revdex.com “A+” accredited company. How come my valid complaint is not available to clients researching Central Payment?
Initial Business Response /* (1000, 11, 2015/06/15) */
This customer's account is closed. The merchant improperly terminated their account by placing a stop payment. The account was not used because the customer chose to use an alternate processor instead. As a courtesy we have cleared the owed...
balance on the account since the owed balance has no processing activity.
Initial Consumer Rebuttal /* (2000, 13, 2015/06/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you
Initial Business Response /* (1000, 8, 2016/01/19) */
[redacted] submitted a fax indicating the monthly service fees to her account. The document also outlines the returns made by the bank to her account. An appointment has been set with [redacted] to assist in clarifying this activity.
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]
Initial Business Response /* (1000, 11, 2015/10/05) */
This complaint has no merit. CPAY does not take a "deposit" to set up an account. The merchant agreed to a $200 Application and Setup fee at the start of his agreement. The account is cancelled and we did not apply the renewal cancellation fee....
Furthermore, CPAY has already issued a credit for the last month's of legitimate monthly fees as a courtesy only.
On 10/6/17, [redacted]t had 9 transactions authorized for the overall amount of $54,000.00 owned by the same client. There were multiple attempts made on 9 different cards for different amounts including some declined transaction until they were able to successfully run a total amount of $54,000.00. Any...
processing company, would have notice these numerous declines and would handle the same way as Central Payment. Due to the amount and declines of numerous attempts when trying different amounts, it was reported to our Risk department as a red flag. As stated on Terms & Conditions, for the merchant’s protection, when a sale is flagged as Risky, funds will be on hold until further investigation. Attached file is [redacted]t’s agreement. On page.1 of the agreement, we request an average ticket amount to summarize what the highest sale amount the business usually runs so as a processing company we protect our merchants from unusual transactions. On 10/09/17, Central Payment reached out to [redacted]t and requested any documentation regarding the transaction for further review. Our Risk department advised due to the sale amount, numerous attempts, and [redacted]t’s processing history not supporting as a usual amount, we advised to refund the customer and accept a cashier check or have funds held for 180 days to prevent any Chargebacks. [redacted]t’s husband [redacted] agreed to have funds held. After 30 days of funds being held, on 11/28/17 Our Risk management spoke to [redacted]t’s daughter. [redacted]t’s daughter requested immediate action to have funds released but was advised it was agreed to keep funds on hold. As a courtesy, Central Payment agreed to release in 90 days instead of 180 days. The set released date is January 6, 2018.
Per the conversation on 3/16/17, Central Payment reached out to [redacted] to advise he has no early termination fee and can keep equipment. [redacted] understood and was Ok with resolution.
[redacted] signed a month-to-month contract on August 15th 2016 and canceled account on December 12th 2016. I have attached the contact that [redacted] singed and agreed to. It does stated the charges that would be charged to this merchant on page three of the contract. When signing...
this contract the merchant is stating that they have agreed to and understand the contract and fees associated with this contract. It shows that she was offered interchange + .40BP and 0.10 cents and that she would have a $7.00 monthly statement fee plus a $25.00 monthly minimum, which we explained to her. It also shows she would have a $0.25 cent batch fee etc. [redacted] used our services and used them during the months she is asking credit for. I have attached the statement showing the processing fees incurred during those months. One of our reps spoke to [redacted] and explained in detail all charges per the contract she agreed to. Please note again that the money merchant is asking for is for processing fees incurred for using the processing services Central Payment provided to her.
Resolution
As a courtesy I will issue back her monthly min of $25.00 for October, November and December since I feel she did not understand how the monthly min worked even thought we did explain to her in depth. However since she processed she will be responsible for the other fees incurred during these months.
Per our conversation on 6/14/17, Central Payment has agreed to a one year addendum. Attached file is the addendum we will need signed by [redacted] in order to reimburse $375.00. Central Payment also agreed to lower the qualified rate from 0.15% to 0.11%. As stated on page.3 of the agreement, [redacted] will have additional savings when completing the PCI questionnaire. On 6/14/17, [redacted] was advised The PCI link would be emailed to [email protected] so she can complete and become compliant. Central Payment also offers a price match guarantee program. If [redacted] believes she is being quoted a better deal, we can review her account to match the offer.
[redacted] signed and agreed to the contract that I attached to the pervious response. By signing the contract she stated she read and agreed to all fees that are clearly writing on the contact. Central Payment doesn't hide these fees and again we do put them on the contract. When merchant signs the contract she again is stating she had agreed to and understands all fees associated with this contract. [redacted] did processing and incurred processing fees for September thru December. Central Payment is willing to give back the monthly min of $25 even thought Central Payment clearly wrote this on the contract I submitted. Central Payment will also as a courtesy issue the three months merchant was charged for not becoming PCI complaint even thought again this was told to the merchant on page three of her contract. Central Payment will also as a courtesy issue back the three months of CCAP which was 7.95 per month for three months. In regards to other fees incurred these are fees for processing and can not be credited back because these fees have already been paid to the bank.
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. HOWEVER....This is the same crap we went thru in October of last year.My account WAS closed properly by filling in the proper paperwork and faxing it to central payment.I have printed this response off and fully EXPECT central payment to follow thru this time around.I DO NOT expect to see $495.00 being taken from my account AGAIN by central payment in a couple of months only to start this all over again which seems to be the current pattern.I would like the option in the future to re-open the complaint as I am a little unsure of the ability of central payment to follow thru with actions....
Initial Business Response /* (1000, 8, 2015/05/01) */
CPAY has already closed [redacted]'s account per her previous request. Her local representative states that he did advise [redacted] of the credit for her Application and Setup. CPAY has now issued this credit to her account. We apologize to [redacted] for the...
delay in receiving her credit.
Initial Consumer Rebuttal /* (3000, 10, 2015/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received the setup fee of $195.00 5/6/15 which is appreciated but the monthly fee of $69.31 was not refunded. I feel I am owed that amount due to the lack of information from the Account Executive, his lack of service as promised to assist in the setup and his stall tactics, which goes back to February time frame. If the Account Executive would have full filled his promise, my contract would have been cancelled in time to avoid a monthly fee. A prompt refund of the monthly fee of $69.31 is still outstanding.
Thank you.
Final Business Response /* (4000, 14, 2015/06/10) */
6-2-15
Sent via email:
Hi [redacted]
This customer is not "owed" that amount back. She called and submitted her 30 day notice of cancellation in March. The $69.31 accounts for March month-end statement. As a courtesy ONLY we have issued this credit.
Thank you,
[redacted]
Final Consumer Response /* (2000, 16, 2015/06/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Hello [redacted]
I have received the refund which was due me, thank you. Contrary to [redacted]'s remark as I was not "owed" the amount back. I was due the refund, due to the lack of information provided to me by the Account Executive. I started inquiring with the Account Executive in January and never once did he tell me I needed to contact the company, only that he would be drive to my business to instruct me how to install the machine. A day was set in Jan, needless to say the Account Executive never arrived or called to let me know he wouldn't be there. I called a day later and my call went into his voice mail. I called again a few days later and finally spoke with the Account Executive. His reason he didn't show was due to illness and we once again set another day in Feb for him to come to my business, again he did not show. Never once during all our phone calls did he inform me to contact the business to close our account. After numerous calls again I could not reach the Account Executive, I sent him a text informing him if he did not call me that day to settle the matter I would contact Revdex.com. Surprise, I had a call from him within 5 minutes. At that time he finally informed me they were having numerous issues with the machine we had, we were still within our trial period and I should contact the company to cancel our account and everything would be refunded to me. If the Account Executive had informed me back in Jan what I needed to do, the account would have been closed in Jan and I would never been charged a monthly fee. The Account Executive is remiss in his title and needs to perhaps go back for training so he is informed on how to do his job effectively. I am truly disappointed in the service I received during the time I had my contract and will never refer the company as a reputable business.
Complaint: [redacted]
I have the original signed contractual agreement (not a quote) that clearly proves CPAY fraudulently altered the agreement after it was signed and submitted. Fees and rates were added and increased on the counterfeit agreement produced by CPAY.
It is insulting to hear them say that they "have no reason to suspect fraud" after I delivered side by side copies of the documents to the Director of Risk Management [redacted], Managing Partner [redacted], Managing Partner [redacted] and Registered In-House Counsel [redacted] on November 9th, 2017.
Returning some of the stolen money does not absolve them from wrongdoing. In my opinion, referring to serious violations of a contract as merely "inadvertently failed to communicate" either shows complete lack of competency or an absolute disregard for the truth. My sensitive personal and business information is now in the hands of a company that has proven it can not be trusted.
Sincerely,[redacted]
[redacted] signed into a month to month contract on December 21st 2016. We received [redacted]'s letter on January 1st 2017. I have attached a copy of the contract [redacted] signed and agreed to. On this month to month contract you will see all rates and monthly fees she agreed...
to. When [redacted] called in and spoke to our reps she advised she was canceling the account because she felt she had found better rates with another processor. Central Payment reps explained to merchant that she was already on very competitive rates but we did advised that we will meet or beat any other proposal however [redacted] declined. Central Payment advised we need a letter of cancellation that it can take up to 30 days to close the account however there are no fees during that time unless she is using the services. [redacted] did process until the 7th of January so she will owe funds for processing. I have also attached the first and only billing statement on file showing that she was only charged .54 cents. Please also look at contract showing the monthly fees merchant would be responsible for. Please also see signature where merchant agreed to these terms.
Resolution
Since there is no more active processing on the account we will expedite the closure of the account. I will also as a courtesy issue the $0.54 cents that she was charged in December and once her January statement comes out I will as a courtesy issue her the $7.00 statement fee even thought this was agreed to on the contract by [redacted]. Since she has processed in January she will see a debit to her account for those fees but that will be the last debit.
This complaint has no merit. [redacted] is not a signer for this merchant account. He contacted our Customer Service department on 1/29/16 to ask about cancellation of the account. At this point our representatives tried to assist asking why it is he wanted to cancel and the response was that it really...
doesn't matter. We provided the cancellation information and stated that we ask for a 30 day notice of cancellation and was further asked to have the equipment returned. He stated that his local representative had taken the equipment, later admitted that he was still in possession of the equipment. CPAY expedited the closure of the account to 2/15/16.
Initial Business Response /* (1000, 10, 2015/05/27) */
Mr. [redacted] executed a 36 month agreement with CPAY. CPAY closed his account in April. We did not collect an early termination fee. This complaint has no merit. CPAY will gladly provide a copy of the merchant agreement executed by Mr. [redacted]...
to the Revdex.com if necessary. CPAY does agree to waive any fees in collections that are not for active processing.
Initial Consumer Rebuttal /* (3000, 12, 2015/05/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The issues of my complaint were completely ignored in their response. How do I respond when they did not even address the issues in my complaint?
On 9/26/2016 Central Payment received [redacted]s bank statement requesting a $495.00 reimbursement for her previous processor. On 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 36 month agreement and requested to cancel her service. On 9/27/2017, [redacted] was informed in order to properly discuss her request, we needed owner to call in personally. Central Payment did not receive a response from [redacted] until 2/8/2017 claiming she had attempted several times and was set on hold for 2 hours. Attached file is a copy of [redacted]s signed agreement. We received an agreement as [redacted] acknowledge she would be assessed to all fees listed on the application. RESOLUTION: Since [redacted] mentioned she wanted to cancel her account on 9/27/16, as a courtesy, Central Payment has credited the total amount of $380.90 which is the breakdown of September 2016- February 2017. [redacted] was also removed from collections due to a stop payment placed when we attempted to collect $17.45 for March fees. As of 4/15/2017, account has been closed.
Per our conversation on 4/3/2017, we agreed to waive amount owed in collections due to account being terminated for not properly cancelling account. We also agreed to email a return label to get equipment back to us. $495.00 debit is in process because we have not received equipment. [redacted] stated he had sent equipment to Northern Leasing and had confirmation of them receiving. Central Payment advised [redacted] we had no records of equipment being leased and if possible to forward proof for further review because Central Payment provided the equipment. [redacted] agreed asked to be emailed and would reply with proof of equipment being returned. As of 4/4/2017 we have not received an email.
Resolution: As a courtesy, Equipment does not have to be returned to Central Payment. Our records shows $495.00 debit is still in process. [redacted] placed a stop payment on 10/3/2016 so it’s possible debit could fail. However, if debit goes thru we will go ahead and credit once our records confirm we have successfully collected. If [redacted] claims charge was already successfully removed, with proof of debit we can expedite credit.
Central Payment’s fees are all included on the Application & Agreement. Attached documents are the two applications Central Payment received as merchant agreed to our Terms & Conditions. On page. 3 of the agreement, [redacted] signed as he was aware of all fees. Central Payment did not receive a...
letter of cancellation in February therefore, [redacted] was charged monthly fees for the month of March. As stated on Page.2 under Equipment Setup, [redacted] agreed to return all provided equipment to Central Payment if terminating service before 36 month completion at owners expense. Terms & Conditions also state account will be closed 30 days after we receive a letter of cancellation.
Resolution: As a courtesy, Central Payment expedited closure for both accounts. As of 4/19/2017 both accounts are now closed. Due to [redacted] claiming he sent both letters in February, $18.17 and $24.50 has been credited for March fees.
[redacted] was the Agent for CentralPayment, who sold the service to [redacted], Inc[redacted] stated that he required no contract and he only charged 0.018%
Central Payment is continuing to take money from my bank account even after I provided the forged contract and the Managing Partner agreed not to charge us based on the true contract. Another withdrawal was made today in the amount of $16.75.
Other potential victims of this scheme should be aware of the deceitful practices of this Revdex.com “A+” accredited company. How come my valid complaint is not available to clients researching Central Payment?
[redacted]
Initial Business Response /* (1000, 11, 2015/06/15) */
This customer's account is closed. The merchant improperly terminated their account by placing a stop payment. The account was not used because the customer chose to use an alternate processor instead. As a courtesy we have cleared the owed...
balance on the account since the owed balance has no processing activity.
Initial Consumer Rebuttal /* (2000, 13, 2015/06/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you
Initial Business Response /* (1000, 8, 2016/01/19) */
[redacted] submitted a fax indicating the monthly service fees to her account. The document also outlines the returns made by the bank to her account. An appointment has been set with [redacted] to assist in clarifying this activity.
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]