Optimal Bankcard

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID [redacted] .Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is reasonable and not really satisfactory to me and the matter has been resolved Sincerely, [redacted]

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID [redacted] The contact number I had for them is no longer assigned to that company but to another credit card company who has never heard of the people that I worked with and the number I dialed is not the actual number that the company reports that I have calledSincerely, [redacted]

Very rude customer service representativeWhen asked to talked to the supervisor she would not bring anyone on line, Clarissa was not at all responsible to my commentsI had faxed an account cancellation letter to them in November, but no action was taken, except they kept debiting my account monthlyWhen asked for a refund ($+$15+$114+ $15),(nov- feb charges) they declined as said they did not receive the letter on timeWell, today she had to pull the letter from a fax box dated They had not been processedThey have not sent any confirmation of the cancellation of my accountI feel that after talking with the customer repevery month, they would have taken some action but I still am in a limo state, where they debit my bank account monthlyI will not recommend this bank card service to Anyone

In response to this complaint, First I would like to apologize for the inconvenience this has caused you. We have been in contact with the merchant to address the issue at hand*** confirmed that the total refund amount she was looking for was $which has been
issue this point through separate refunds one for $19.95 and one for $*** *** was satisfied with the refund that was issued. Advised that if she had any further issues or questions to call back and speak with customer service.David D***

In response to this complaint. First on behalf Optimal Bank Card I would like to apologizefor the inconvenience this has caused you We take all forms of forged signature very seriouslyBut asidefrom the merchant application being signed, a copy of the voided check and copyof driver’s licenses was also receivedThis has been reported to the VP ofsales for immediate attentionThis is what is needed to authorize the opening ofa merchant accountYour merchant account has been officially closed andrefunded all fees that have been charged totaling $The refund will postto the bank account ending in within 2-business days. Optimal Bankcard values your business and trulyapologizes for this inconvenienceWe truly hope this satisfies your issue, ifit does not please feel free to email me at ***,or you can call me directly at ###-###-#### and ask for me by name Thank you *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***The business has finally released the money they had on holdThis is great but it doesn't help my returned checksI am glad that it had been resolved though.
Sincerely,
*** ***

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID *** However, at this time it appears that despite me having never signed to open an account, closed the account that they illegally
opened on my behalf, and have cancelled any relationship that I could have with them they still charged my bank account for $on May ***, I am in the process of reversing this charge from my bank, but this action by Optimal Bankcard is unacceptable.Sincerely,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID ***.Sincerely,*** ***

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID ***.Sincerely,*** ***

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID [redacted].Sincerely,[redacted]

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID [redacted].  Nor have I received the needed card processing equipment required to accept the chip technology credit cars which put's my business...

at risk.Sincerely,[redacted]

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID [redacted].Sincerely,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. The business has finally released the money they had on hold. This is great but it...

doesn't help my returned checks. I am glad that it had been resolved though. 
Sincerely,
[redacted]

In response to this complaint, First I would like to apologize for the inconvenience this has caused you. We have been in contact with the merchant to address the issue at hand. [redacted] confirmed that the total refund amount she was looking for was $32.45 which has been issue this...

point through 2 separate refunds one for $19.95 and one for $12.50. [redacted] was satisfied with the refund that was issued. Advised that if she had any further issues or questions to call back and speak with customer service.David D[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is reasonable and not really satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

This company guaranteed I would see lower credit card processing rates through them than who I was previously going with. After 90 days I reviewed my transactions and found this to be very inaccurate. [redacted] and ** were about .5% higher while [redacted] was nearly 3% higher in fees.
I called to cancel my merchant account and was told I had to fax the request in and it couldn't be emailed. I faxed the cancellation request in with specific instructions to email when the cancellation had been processed. After a week, I hadn't heard anything so tried to call to follow up. After finally reaching somebody (read below about the phone experience) I was told that I can email the request in, which I did with a copy of the email from the online fax service confirmation of the fax being received the previous week.
The phone experience is miserable - you hear a ring then immediate music with no indication of whom your calling, how long the queue/wait time is and on multiple occasions, it would drop after 10 or 15 minutes. When I was finally lucky enough to get through to somebody to follow up on my previous cancellation attempts, their customer service skills were extremely poor and they put me on hold for 18 minutes (after waiting for nearly 10 for someone to answer then only speaking with a body for 2 minutes) only to have the call drop (I was using an office phone so no cellular service to blame here). After calling back 3 more times (twice getting dropped while listening to the initial hold music) I finally got in touch with somebody who said my cancellation request was just received today (really, 10 days after it was sent!!) but they wouldn't transfer me to the cancellation department to speak to anybody and informed me it takes 3-30 days to process the cancellation.
Do yourself a favor and avoid this company - they are misleading with their rates/charges and their customer support / customer service experience is possibly the worse I've ever encountered!

Revdex.com:At this time, I have not been contacted by Optimal Bankcard regarding complaint ID [redacted]. The contact number I had for them is no longer assigned to that company but to another credit card company who has never heard of the...

people that I worked with and the number I dialed is not the actual number that the company reports that I have called. Sincerely,
[redacted]

Very rude customer service representative. When asked to talked to the supervisor she would not bring anyone on line, Clarissa was not at all responsible to my comments. I had faxed an account cancellation letter to them in November, but no action was taken, except they kept debiting my account monthly. When asked for a refund ($15 +$15+$114+ $15),(nov- feb charges) they declined as said they did not receive the letter on time. Well, today she had to pull the letter from a fax box dated 11/*/15, 1/*/16. They had not been processed. They have not sent any confirmation of the cancellation of my account. I feel that after talking with the customer rep. every month, they would have taken some action but I still am in a limo state, where they debit my bank account monthly. I will not recommend this bank card service to Anyone.