National Payment Processing, Inc

Hello,We are sorry that the merchant did not understand the terms of their agreementThe month of October was charged 11/3/We cannot charge a month until the entire month is complete, this is why billing is done for each month the following month.Equipment was received 11/8/The days of
November 1-were assessed as active and account was charged for month of November on 12/3/and closed 12/8/This account is closed and will not receive anymore charges.As a goodwill gesture to merchant because we do very much appreciate that she considered our company for service, we are going to refund the $54.00. Merchant can allow up to business days to receive refund of $54.00.Thank you,

Hello,
In regards to case #***, we are refunding the merchant $350, that they were charged for a cancellation fee
Thank you,
*** ***
Agent Support Representative
National Payment Processing Inc
Office ***
*** ***
l***@nationalpaymentprocessing.com
www.nationalpaymentprocessing.com

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to meThank you!

Hello, This merchant was overcharged $40.45 on 9/3/2014 when there account should have been closed 8/18/2014 with no further charges after closing their account with our company. We made sure that the account was closed 9/17/2014 and refunded the merchant the $40.45. This merchant has been refunded...

and will receive no more charges. Permanent Clerk Change Date Memo ME 10/01/2014 CREDIT PCI NON-ACTION FEE FOR 30.00 HAS BEEN APPROVED DTA 10/01/2014 PRCSD JB CR $4.95 AUG REG FEE PR VP DTA 10/01/2014 PRCSD JB CR $5.50 AUG STATEMENT FEE PR VP RKZ 09/30/2014 CHGD STATMNT HOLD FLG FRM N TO S NP 09/29/2014 SUBMITTED RFND FR 8/14 STMNT $5.50 REG $4.95 NAF $30 PER REP IWF 09/26/2014 MC CVC2 FEE MVD FRM MBF SCREEN TO MFC GRID 09/17/2014 ACCOUNT CLOSED MERCH RQST/NO RSN MJ 09/17/2014 ACCOUNT CLOSED : REASON - 216 - Thank you,

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is a band-aid on the real issue--that there is no checks and balances on how National Payment Processing runs their business. Their independent sales agents are responsible for representing National, but yet National has no way of checking up on these agents. We will accept National's attempt at resolving this, but we are still waiting on the refund as of today, Monday, November 24, 2014. I hope this serves as a warning to other consumers/merchants about how National Payment Processing does business and treat their clients. Although we are waiting on a refund for $350.00, my social security and bank account information is still in the hands of this Shawn Patric, and National has no way of finding him and stopping him.

Hello,
After further review we have considered the clients position, and as a good will gesture as to keep the peace between both parties the amount requested of $99.95 will be refunded to the client. We hope that this refund is to their satisfaction.
Thank you,

Hello,We would like to assure the merchant that we have handled their account correctly, and we understand their request. Attached you will see the merchants close account form. This form is needed in order to legally close the account. As the merchant correctly stated, we received the form on...

1/21/2015. As mentioned under the signature line of this same form is the parameters for closure.It states "Please allow 30 days to process request FROM THE TIME we receive the form and any free equipment placed with the business". This merchant had no free equipment, and we received the form 1/21/2015. This authorized the account to be closed 2/21/2015. As a courtesy we had the account closed 2/17/2015. All charges are valid during the 30 day close process. All of the charges are valid that this merchant received for January billing in the month of February when we were closing the account.This account is closed and will receive no more charges to it.1. Merchant InformationMerchant # [redacted]Physical Address [redacted]S Acct. Manager      Account StatusD (02/17/15)Thank you,

Hello,
We sincerely apologize and are sorry that the merchant feels that we were unjust in charging his account and that he should not have been charged. The records show that we processed his request and handled all matters of this account according to procedure.
The merchant "Marketworx"...

merchant account number "[redacted]", was boarded with this company on 10/20/2008. (Please see attached application) All fees waived are listed in the comment section on page 3 of the application. You see on page 3 of this application that the wireless fees and the gateway fees are the only fees waived. The annual fee is not waived on the application so it was assessed to the account. The annual fee is charged the month before the anniversary date of the account. Since this account was activated 10/2008 the annual fee is assessed to the account September of every year. Billing is done on the 2nd of each month for the previous months processing. So the charges on 10/2/2014 are for the fees assessed to the account for 9/2014.
Since 2009 the annual fee has been charged to the account every September and billed to the account the following month on 10/2/2014, (or within first week of October). This year we received the merchants close form as they have admitted to on 9/19/2014. Please see attached form). Per 30 day close process this account was not due to close until 10/19/2014. All charges within the 30 day close process the merchant is responsible for. I let the merchant know when I received the form that I had received it, and let him know that we began processing the account for closure. I never told the merchant the account was closed.
We closed the merchants account on time and according to procedure, and charged his account according to application and agreement signed with us in 2008 and also on closure form.
Thank you,

Revdex.com:
I have reviewed the response made by the business in reference to...

my concern, and find that this resolution is satisfactory to me. "I was recently contacted by National Payment Processing via email, with an agreement to resolve the matter. To keep you updated, I have attached their response."

Review: I signed up with this company. I was told it was with Apple Pay. I called to cx services and by 08/01/15 I sent in the required documentation. I was billed month after month. I called back again speaking to them about me not using services and I cancelled within my trial period and I DID NOT even try because of their false proposal and misrepresentation of who they were. I was still billed and spoke with [redacted] 1800-396-5660 ext [redacted] (not her ext anymore) and was told my fees would be refunded. I can never get ahold of them! Their fees cost me OD fees in my account as well. Acct was still open after numerous times of contacting them. I called today and got customer service and the lady said they are not the same entity and there are two companies working together and their charges ARE in fact valid and they WILL NOT refund me. So, if the lady from the same phone number I called above said I would be refunded there was nothing she could do with it and would not refund it. She also stated there was NO DOCUMENTATION or notes on her end so there's nothing I could do! I am out $248.50 and nothing I can do. I told her they were full of &^&* and I would write to the Revdex.com because their practices are not legit and also lies! My business is ran under 100% customer satisfaction and as a professional and having my documentation and promised services and I follow their rules and protocol.... there is no reason I should not be refunded.Desired Settlement: I request to be refunded in full. I did not EVER once use their service and cancelled before the 14 day trial and these criminals should not get away with this! I request for them to be researched. I will never again trust a merchant co. because of these. This is why people don't trust businesses anymore. Thieves like these!

Business

Response:

Hello, Please provide us verification of the charges totaling $248.50. Thank you,

Review: NPP continued to bill me after I filled out and faxed a Closure Form for termination of services with them. Back on Jul. 12, 2016, I was told that there would be a 30 day period during which I would be billed one last time. Even though I was unhappy with this information, I accepted it. However, when I called to verify that our connection was finished with the recent statement cycle (received on Aug. 6), I was told that they had no information that I had closed my account. This angered me considerably. The person on the phone told me that a "Closure Center" would have to be contacted, which I did, but it was only a a phone message directing me to the website for another "ring-around-the rosy" circle ("fill out this form and fax it ...") -- In other words, they're set to continue to take money from my bank account without my permission, with no legal grounds that I can see. When someone goes through the hoops, assuming that at the end of the circus they're finally out of a completely dissatisfying business relationship and desire to terminate it once and for all, that SHOULD BE IT.Desired Settlement: I want these people to STOP TAKING MONEY OUT OF MY ACCOUNT and NEVER SEND ME ANOTHER STATEMENT for services that I no longer "enjoy." I also want a written notice of TERMINATION of our "relationship," and that the final extortionate payment to them (through the end of July, 2016) is, indeed, FINAL.

Business

Response:

Hello, May I please have the name of your business as well as your Merchant ID number? Thank you,

Business

Response:

Hello, We will have the account closed by the end of this week and no billing for August. Thank you,

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

I expect to receive a written notification by mail, however, that confirms that NPP has closed the account I had with them.

Review: the company national charge in my account 647.95 and never give the utoritation the company national pay can to my business and offer to me service merchDesired Settlement: the company ebry week took manoy in my account I want this stpo

Business

Response:

Initial Business Response

Contact Name and Title: [redacted]

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@nationalpaymentprocessing.com

As representing NPP in this matter and issue I would like to assure both Revdex.com and the merchant that we have all intention on resolving any matters where we are at fault.

In order for this to occur we will need the merchant to provide his account information i.e (merchant account number) so we can look up his account to even verify if the charges to the account came from our company, and not another company affiliated with NPP. In which case that company would need to take responsibility of the issue.

We have the merchants best interest in mind and look forward to their much needed cooperation to get to the bottom of this unfortuante circumstance.

Review: The company used an automated service to call my cell phone to leave advertisement messages. This information was not requested by me, and is unwanted.Desired Settlement: NA

Business

Response:

Hello,We apologize for any inconvenience the merchant may have felt with being contact by our company. The message received was a voicemail that is optional to respond back to. To get in contact with the merchant it requires that the merchant call our number back. If they never call our number back we never get in contact with them.This merchant will have their number removed from a list of marketable merchants from our company, and we suggest that they register their number on a national "do not call list" so that other services do not contact them, and they have the same upset.We will not contact this merchant anymoreThank you,

Review: On 9/19/14, I submitted a Merchant Account Closure Request form by email to Mr. [redacted] with National Payment Processing to close the merchant account for my business. The form I submitted states, "Please allow 30 days to process request from the time that we receive the form. Mr. [redacted] emailed me back a few hours later stating, "Form received and submitted into database for processing". On 10/14/14, I opened up the Sept. statement I received on or about 10/10/14 and was surprised to find an annual fee of $99.95 charged and the funds electronically transferred to NPP from my company bank account. The annual fee is charged in advance for the coming year, not the past year. NPP took $99.95 for a service they will not be providing to my company over the next year on a closed account. I immediately contacted Mr. [redacted] by email on 10/14/14 asking why I was charged the annual fee on a closed account and respectfully requested a refund. Mr. [redacted] responded back approximately one hour later stating, "I have received your request, and I took it up to the billing department. They informed me that since 2008 when you have been signed up you have been charged this annual fee on this date. This was a correct charge to your account and it was supposed to be charged to your account. Your account is closed, and for the reason mentioned above there will not be a refund." A few hours later, I responded back to Mr. [redacted] complaining that his company was charging an annual fee on a closed account, effectively taking money from me without providing value for that money. Mr. [redacted] responded back a few minutes later quoting the 30 days clause mentioned above and stated the account had been closed earlier than the 30 days but the fees would stand. On 10/16/14, I responded back to Mr. [redacted] explaining that it was not ethical, right or fair to take $99.95 from my bank account without providing value for that money. I stated that I was agreeable to a one month proration. No response has been received in the past 7 days.Desired Settlement: It is my belief that entering the form into the database effectively closed the merchant account on September 19, 2014 so it was processed prior to 30 days. I would like a refund of the annual fee of $99.95 that was withdrawn from my company bank account. I closed the merchant account on 9/19/14 before the annual fee came due on 9/30/14. If $99.95 is not agreeable, the annual fee should be prorated and I would be agreeable to a refund of $91.63, which represents 11 months of the annual fee.

Business

Response:

Hello,

We sincerely apologize and are sorry that the merchant feels that we were unjust in charging his account and that he should not have been charged. The records show that we processed his request and handled all matters of this account according to procedure.

The merchant "Marketworx" merchant account number "[redacted]", was boarded with this company on 10/20/2008. (Please see attached application) All fees waived are listed in the comment section on page 3 of the application. You see on page 3 of this application that the wireless fees and the gateway fees are the only fees waived. The annual fee is not waived on the application so it was assessed to the account. The annual fee is charged the month before the anniversary date of the account. Since this account was activated 10/2008 the annual fee is assessed to the account September of every year. Billing is done on the 2nd of each month for the previous months processing. So the charges on 10/2/2014 are for the fees assessed to the account for 9/2014.

Since 2009 the annual fee has been charged to the account every September and billed to the account the following month on 10/2/2014, (or within first week of October). This year we received the merchants close form as they have admitted to on 9/19/2014. Please see attached form). Per 30 day close process this account was not due to close until 10/19/2014. All charges within the 30 day close process the merchant is responsible for. I let the merchant know when I received the form that I had received it, and let him know that we began processing the account for closure. I never told the merchant the account was closed.

We closed the merchants account on time and according to procedure, and charged his account according to application and agreement signed with us in 2008 and also on closure form.

Thank you,

Business

Response:

Hello,

After further review we have considered the clients position, and as a good will gesture as to keep the peace between both parties the amount requested of $99.95 will be refunded to the client. We hope that this refund is to their satisfaction.

Thank you,

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me. Thank you!

Review: On December 31,2015, my company processed a merchant card transaction for one of its clients,for the sum of $2287.30. Titan through their processing affiliates (national payment processing/I payment), debited my business bank account for the relevant fee of $65.38 without crediting the due amount of $2287.30 ! I made several phone calls, wrote several emails between January 2,2016 to January 6,2016, trying to resolve the matter. They gave excuses ranging from my account limit to type of business, while holding my money. After much deliberation and correspondence in which I pointed out that they were the ones who misrepresented information when setting up my account, they finally agreed to release the funds. To my dismay, this agreement was on Wednesday the 6th Jan, instant, and my bank statement shows I will be credited on Jan 11th!!. Those culprits seem to purposely release the funds Friday night knowing very well that the bank won't credit until monday.

In my view, their conduct/action is unethical and illegal. How can a merchant company collect fees from its customer's bank account without depositing the sum from which their fee is due? I have no agreement to pay them from any other source except from the services they provide. I have suffered a lot of inconvenience and had to put up with their poor customer service while they held my funds.they need more than just a slap on the hand.

Lesson learnt....don't go for the cheapest!, stick to Square.com!!Desired Settlement: Titan needs to provide me with why they took payment from my account in advance and instructed me to refund my client, while they did not see it proper to refund me first! Their action in my view is dishonest. When, their representative at iprocess agreed to release the funds to me on Jan 6th, I requested a confirmation via email. To date, no email.

Customer service is at its worse.

Business

Response:

Hello, we have contacted the merchant regarding her questions. The original application states that she will be using the account strictly for Residential and Commercial cleaning only. She will need to create another account that will allow merchant to process transactions of a different business type. We are waiting to receive an application to set up a new account that will allow you to make transactions for a different business type.

Consumer

Response:

I am rejecting this response because:The copy of my application with Titan merchant services that was sent to me via email does not show any description of business activity. At no time did I give information that my business is only involved in cleaning of commercial and residential premises. my website and Articles clearly describes other business activities, which Titan would have verified before approving my application.The issue at hand is not whether the business activity as per Titan's "records' matches exactly the work done for transaction in question, but rather, why they saw it fit to DEDUCT from my bank account, proceeds which was not from the merchant card transaction. They deducted their fee from my bank account on December 31, 2015, the same instant that our client's card was processed. Titan did not release the relevant funds to my bank account until 1/11/16!During this almost two-week period of arguing with me back and forth, sometimes with a "verbal attitude", as to what information their own staff put on my application, they should have reversed their unlawful charges and debit same only at the time or after they have credited my bank account with the due amount of $2288.30. There is a principle involved.It should be noted that my application was not fully visible online hence their marketing staff had to discuss the missing information via telecom with me. I do not recall advising them that my business was established only for the purpose they claimed. It would be foolhardy of me to do so. I do not see how I could have benefitted when I knew my client's job was already in progress and that she required payment facility by credit card. I asked to see my full application so that I could match it with the one in my records which I completed online. I have not received same.[redacted]

Consumer

Response:

I am rejecting this response because:It does not address the concern which I stated...." why was my company's bank account debited with Titans fee approx. 11 days prior to TiTan crediting the due funds from which their fee was due?" Their fee should have been charged simultaneously to crediting my account.their request for my company to refund our client because of their (Titan's) own error and misrepresentation of facts regarding my company's nature of business, is totally unacceptable. At no time did they apologize for taking their fee from my company's funds and offer to refund it until the matter on hand was resolved.A simple apology would suffice. I do not have more time to be writing on this matter.Thanks for your input so far.[redacted]

Business

Response:

Hello,We sincerely apologize for the inconvenience this has caused you. You have the option of closing your account if you would like to. Please see attached for the closure form.Once again, we are sorry and we did all that we could to make sure that the funds were released as a one time courtesy. We also tried assisting you with making the necessary changes so that this problem could be avoided in the future.

Review: I have tried to close an account with [redacted], and they directed me to National Payment processing to cancel my account. My cancellation was received by them 1/21/15 (case 21319) . My account was [redacted].National Payment Processing continues to collect from my bank account for "compliance" and "non compliance" fees. When I called to have this corrected, they said I must talk to customer services, and when they switched me over to them, customer service said they had no record of my account and I was talking with the wrong division. Offering no help. According to [redacted], I will continue to be charged as long as National Payment Processing continues to charge them.Thank YouMark [redacted]; WYndham [redacted]Desired Settlement: I would like National Payment Processing to refund all "fees" and charges not authorized, after January 21, 2015. As of 2/17/2015 I have been charged $34.90 - and National Payment Processing told me over the phone, they will charge that again in February. So I want refunded $69.80

Business

Response:

Hello,We would like to assure the merchant that we have handled their account correctly, and we understand their request. Attached you will see the merchants close account form. This form is needed in order to legally close the account. As the merchant correctly stated, we received the form on 1/21/2015. As mentioned under the signature line of this same form is the parameters for closure.It states "Please allow 30 days to process request FROM THE TIME we receive the form and any free equipment placed with the business". This merchant had no free equipment, and we received the form 1/21/2015. This authorized the account to be closed 2/21/2015. As a courtesy we had the account closed 2/17/2015. All charges are valid during the 30 day close process. All of the charges are valid that this merchant received for January billing in the month of February when we were closing the account.This account is closed and will receive no more charges to it.1. Merchant InformationMerchant # [redacted]Physical Address [redacted]S Acct. Manager Account StatusD (02/17/15)Thank you,

Review: A letter of termination was sent to the company 9/28/2012. They have continues remove money from my bank account even though there has been no use of their services since thenDesired Settlement: return 1500$ to my account

Business

Response:

The merchant had a complaint that he wanted a refund for the last year. As our policy works, and this was explained to the merchant, we do not begin the close process until both items are returned.

We did not receive the merchants close form until 2/18/2014. We then received the merchants equipment 2/28/2014. Merchant is not authorized to close the account until 3/28/2014 per 30 day process.

All the funds charged to the account before this date were authorized to be charged, and the merchant is not entitled to a refund.

Consumer

Response:

I am rejecting this response because:

A letter was sent to the vendor 9/28/12 stating that I no longer wanted any service from them. They received the letter but never informed me that the machine need to be returned, or how or where to return it. There was no activity on this account form 9/28/13 until 03/11/14.

Sincerely,

Review: The account has been closed since 2005. This was verified by a salesperson from National - [redacted] - he left a voice mail message that the account was closed in 2005.My company is still getting billed monthly and they have been taking money out of my checking account to this date. I would like to know how I am going to get a refund for this issue.Desired Settlement: I want a refund for the money taken out of my account since 2005.

Business

Response:

Hello,I wanted to inform you that I had called the merchant earlier today regarding this matter. We had come to an agreement and will be settling this soon.Thank you,

Review: In April of 2014 we were approached by a sales agent, [redacted] who signed us up for 2 processing companies (National Payment Processing and Ace Merchant Processing) without our consent. We did not receive the complete contract upon signing. Your agent handed the papers to us one-by-one and out of numerical order--we trusted that he was giving us ALL of the information. The page in agreement containing information regarding how much the "early termination fee" would be was omitted and we never received the proper paperwork explaining it. We were told there were NO CANCELLATION FEES from [redacted] AND from a cancellation rep from your company named [redacted]. Upon initially signing our agreement, we asked [redacted] numerous times if there were cancellation fees and his exact words: "No fees, cancel any time." When we spoke to [redacted] to cancel our relationship with National, he said there would be no fees to pay, especially due to our situation. The only time we saw the COMPLETE contract was when we had to request a copy twice from your Agent Support Representative (once on 10/12/14 and 10/28/14). We complained about [redacted] to National and Ace, and neither company have been successful in reaching him via repetitive emails or calls. We have tried to reach him for over 4 months without success to fix this situation. After talking to numerous reps, we were told from both processing companies they would file formal complaints against him (no proof of this has been given that both companies followed through). How is it possible that NO ONE can hold this unethical sales rep, [redacted], accountable for what he did? He is going around and signing merchants up for multiple processing accounts against their consent?! He represents a part of your company and your company's reputation. This unethical crook has my social security # and bank account information, and I am afraid this could lead to identity fraud in the future. But all you have is his cell phone number that doesn't have vmail setup?!Desired Settlement: FIND OUT WHERE [redacted] IS AND STOP HIM! This guy is an unethical crook who REPRESENTS NATIONAL PAYMENT PROCESSING when he is out there signing merchants up for your services. I want this guy to stop what he is doing, and I need National Payment Processing to be accountable for his actions since you are unable to reach him on his cell phone. My social security number and bank account are in his possession!!! Please investigate and find out more info on this "independent agent" of yours!

Business

Response:

Hello,

Review: Never been sign up for the merchant service and still get charge for $11.06 from my bank.

I told them not to sent out the credit card EQUIPMENT but they still did ok fine I called them and send back the EQUIPMENT with the closure form they told me. soon they mail me with the statement with charge of $11.06 from my bank which I never used their service. my account # is XXXXXXXXXXXXXXXXDesired Settlement: I want to close my account and get my money back.

Business

Response:

Initial Business Response

Contact Name and Title: [redacted]

Contact Phone: XXX-XXX-XXXX

Contact Email: [redacted]@nationalpaymentprocessing.com

NPP has taken all measures above and beyond to meet merchants request. Far beyond $11.06 that they were initially requesting.

I personally reached out to the merchant on 11/07/2013 and let him know that the refund of $35.45 was approved. Refund was made on 11/8/2013.

Below are the notes from Ipayment to prove this transaction:

NP 11/08/2013 SBMTTD RFND FR 10/13 MEF $35.45 PER ISO

RR 11/05/2013 HE DIDNT USE SERVICE /XFRD TO AO TO HELP WITH REFUND

RR 11/05/2013 S/W [redacted] OWNER VER TIN/ CALLING WHY HE WAS CHARGED / ADV

11/01/2013 ACCOUNT CLOSED MERCH RQST/NO RSN

MJ 11/01/2013 ACCOUNT CLOSED : REASON - 216 - MERCH RQST/NO RSN