Payment Depot

[redacted] ,First and foremost I want to apologize for the inconvenience that your account closure caused you It looks like you have been working closely [redacted] (multiple emails over the last few days), our customer service manager, in order to process the transactions that were rejected after the closure and I believe risk has released any funds that were being held at the processing bank Our policy is to give a full refund if an account is closed in the first days and a prorated refund after days Given the circumstances I would like to extend to you a full refund of the $that you paid us on 1/ We are sorry for the inconvenience that this has caused you and while we don't have control over the processing bank when they close accounts, we do acknowledge that this has caused a major inconvenience for you and we are happy to offer you a full refund Again we apologize and hope that this is a satisfactory resolution for you[redacted] is our customer service manager and I have already let her know to give you a full refund It would probably be best to speak to her directly to continue working on getting the remaining transactions processed, but if you would like to speak to me, you can call me on my direct line at [redacted] COO Payment Depot

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below, which have been emailed to you as well in response to your reply***, It's not your fault, in fact it would be one of your technician's fault for ill advising meWhat he had explained to me was not the correct way to enter a 'Force Authorized Transaction,' which is specifically what we were doing at the timeAll chargebacks came from same personI called multiple times to try and resolve the issueNeither time was anyone concerned with my issue, nor did they try their best so resolve my repeated chargeback issueIn fact they gave me more bad advice and I continued to try and charge the card multiple timesI have extensive documentation from the Department of Motor Vehicles, State of Florida vehicle registrations, credit slips and Finance contracts/Bill of SalesI sent about pages of documentation multiple timesFaxes didn't go through? How about the emails? Did those ever reach the Chargeback Department? Doesn't seem like anyone is putting much effort into this This client purchased vehicles and remained in posession of them, so yes the money is still owed to me I will respectfully wait for you to contact the Chargeback Department in writing, preferably email, with [redacted] CC'd, so we can continue to work through this problemThis money is legally owed to me and I am not going to stop until the right thing is done You're supposed to excel in helping small businessesIt would be a terrible PR scandal to give a small business the wrong advice and make them lose $plus the two cars exchanged for the $6000+ in credit, which is now owed to collections With the most respect possible, figure it out and get back to me [redacted] Owner & Operating Manager [redacted] Regards, [redacted]

This was my response to *** I have a call scheduled with him in a few minutes:***, Do you happen to remember who you spoke with regarding the forced authorization issue? Also have you been in touch with [redacted] ***? He clearly owes you the money and it should be easy to prove to him that he has not paid you yet What is the response from him, other than the chargebacks? The chargeback department told me that they do not accept emails, only faxes and regular mail I don’t even have an email for them, just a phone number I am going to continue to try to get to the bottom of this for you but it seems like ultimately the most important thing is that we get you that funds that are owed to you by [redacted] How much does he actually owe you? I saw multiple charges for different amounts

[redacted] ,First and foremost I want to apologize for the inconvenience that your account closure caused you It looks like you have been working closely [redacted] (multiple emails over the last few days), our customer service manager, in order to process the transactions that were rejected after the closure and I believe risk has released any funds that were being held at the processing bank Our policy is to give a full refund if an account is closed in the first days and a prorated refund after days Given the circumstances I would like to extend to you a full refund of the $that you paid us on 1/ We are sorry for the inconvenience that this has caused you and while we don't have control over the processing bank when they close accounts, we do acknowledge that this has caused a major inconvenience for you and we are happy to offer you a full refund Again we apologize and hope that this is a satisfactory resolution for you [redacted] is our customer service manager and I have already let her know to give you a full refund It would probably be best to speak to her directly to continue working on getting the remaining transactions processed, but if you would like to speak to me, you can call me on my direct line at [redacted] COO Payment Depot

This was my response to *** I have a call scheduled with him in a few minutes: ***, Do you happen to remember who you spoke with regarding the forced authorization issue? Also have you been in touch with [redacted] ***? He clearly owes you the money and it should be easy to prove to him that he has not paid you yet What is the response from him, other than the chargebacks? The chargeback department told me that they do not accept emails, only faxes and regular mail I don’t even have an email for them, just a phone number I am going to continue to try to get to the bottom of this for you but it seems like ultimately the most important thing is that we get you that funds that are owed to you by [redacted] How much does he actually owe you? I saw multiple charges for different amounts

I have emailed the customer to try to resolve the complaint For all chargeback issues the Processing Bank, handles those directly They mail out letters to the merchant to let them know how to dispute the chargebacks which consists of a phone number for them to call and a fax number to send in documents, they do not accept email I spoke to that department today to get the records and they said that of the chargebacks that he had between 12/26/and 3/25/only one of them showed a response being sent in and it was a blank fax Unfortunately all of these issues are handled between the merchant and the Processing Bank (First Data) directly so Payment Depot would not have a record of the correspondence I have emailed the merchant though to try to find out more details to see if there is anything else that we can assist with but overall it appears to be an issue between him and one customer We are attempting to get more information from our merchant so that we can try to help resolve this It is unfortunate because this was out of our control but we still want to clear things up with *** Here is the email that I sent to him, I am awaiting a response***, I’m sorry for all of the problems that you have encountered so far As with all chargebacks, they are handled directly with the processing bank, First Data so we would not have records of your correspondence with them It looks like you had a total of chargebacks between 12/and 3/ I see that most of them were for one customer [redacted] I asked about the chargebacks and the one from 1/5/for $2,555.30, they said that they needed a valid auth code but the fax that they received was blank We went through each chargeback case number by case number [redacted] - $ [redacted] - $2, [redacted] - $ [redacted] - $2, [redacted] - $ [redacted] - $ [redacted] - $ [redacted] - $ The only one that they showed any correspondence was for the case ending in [redacted] for the chargeback for $2,and the FAX was blank All of the other cases show no response from you When a chargeback is initiated, your customer is credited their funds back until the dispute is closed In these cases, since they showed no response the cardholder kept his funds It does look like we credited you back a chargeback fee of $in February If your customer bought something from you and took possession of it then he would owe you the money still The chargeback fees of $are charged by the processing bank Again I am very sorry for the inconvenience but all of these are handled directly by the processing bank’s chargeback department so we would not have any record of your responses to them You can reach them at 800-858-option if you feel like there is an error If I am missing something please let me know so that I can help resolve this issue

Payment Depot provided fast and efficient setup of our ecommerce accountAfter we were set up I cancelled my previous gateway and merchant account However within month - out of the blue - I received an email saying that the account had been closed by First BankThey refunded my depositMy issue is that no notice was given and that if First Bank were going to decline the business - it would have been much better business practice to establish this in the initial vetting or at least give weeks notice Nope - they just dumped us without notice and causing us business expensiveI therefore feel it hard to recommend the company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below, which have been emailed to you as well in response to your reply.
***,It's not your fault, in fact it would be one of your technician's fault for ill advising meWhat he had explained to me was not the correct way to enter a 'Force Authorized Transaction,' which is specifically what we were doing at the timeAll chargebacks came from same personI called multiple times to try and resolve the issueNeither time was anyone concerned with my issue, nor did they try their best so resolve my repeated chargeback issueIn fact they gave me more bad advice and I continued to try and charge the card multiple timesI have extensive documentation from the Department of Motor Vehicles, State of Florida vehicle registrations, credit slips and Finance contracts/Bill of SalesI sent about pages of documentation multiple timesFaxes didn't go through? How about the emails? Did those ever reach the Chargeback Department? Doesn't seem like anyone is putting much effort into this. This client purchased vehicles and remained in posession of them, so yes the money is still owed to me. I will respectfully wait for you to contact the Chargeback Department in writing, preferably email, with *** CC'd, so we can continue to work through this problemThis money is legally owed to me and I am not going to stop until the right thing is done. You're supposed to excel in helping small businessesIt would be a terrible PR scandal to give a small business the wrong advice and make them lose $plus the two cars exchanged for the $6000+ in credit, which is now owed to collections. With the most respect possible, figure it out and get back to me.*** ** ***Owner & Operating Manager*** *** ***
Regards,
*** ***

I have emailed the customer to try to resolve the complaint For all chargeback issues the Processing Bank, handles those directly They mail out letters to the merchant to let them know how to dispute the chargebacks which consists of a phone number for them to call and a fax number to
send in documents, they do not accept email I spoke to that department today to get the records and they said that of the chargebacks that he had between 12/26/and 3/25/only one of them showed a response being sent in and it was a blank fax Unfortunately all of these issues are handled between the merchant and the Processing Bank (First Data) directly so Payment Depot would not have a record of the correspondence I have emailed the merchant though to try to find out more details to see if there is anything else that we can assist with but overall it appears to be an issue between him and one customer We are attempting to get more information from our merchant so that we can try to help resolve this It is unfortunate because this was out of our control but we still want to clear things up with *** Here is the email that I sent to him, I am awaiting a response.***,
I’m sorry for all of the problems that you have encountered
so far. As with all chargebacks, they
are handled directly with the processing bank, First Data so we would not have
records of your correspondence with them.
It looks like you had a total of chargebacks between 12/and 3/25. I see that most of them were for one customer
*** ***
I asked about the chargebacks and the one from 1/5/for
$2,555.30, they said that they needed a valid auth code but the fax that they
received was blank
We went through each chargeback case number by case number
*** - $
*** - $2,
*** - $
*** - $2,
*** - $
*** - $
*** - $
*** - $
The only one that they showed any correspondence was for the
case ending in *** for the chargeback for $2,and the FAX was
blank. All of the other cases show no
response from you
When a chargeback is initiated, your customer is credited
their funds back until the dispute is closed.
In these cases, since they showed no response the cardholder kept his
funds.
It does look like we credited you back a chargeback fee of
$in February.
If your customer bought something from you and took possession
of it then he would owe you the money still.
The chargeback fees of $are charged by the processing bank
Again I am very sorry for the inconvenience but all of these
are handled directly by the processing bank’s chargeback department so we would
not have any record of your responses to them.
You can reach them at 800-858-option if you feel like
there is an error
If I am missing something please let me know so that I can
help resolve this issue

[redacted],First and foremost I want to apologize for the inconvenience that your account closure caused you.  It looks like you have been working closely [redacted] (multiple emails over the last few days), our customer service manager, in order to process the transactions that were rejected after the...

closure and I believe risk has released any funds that were being held at the processing bank.  Our policy is to give a full refund if an account is closed in the first 90 days and a prorated refund after 90 days.  Given the circumstances I would like to extend to you a full refund of the $399 that you paid us on 1/19.  We are sorry for the inconvenience that this has caused you and while we don't have control over the processing bank when they close accounts, we do acknowledge that this has caused a major inconvenience for you and we are happy to offer you a full refund.  Again we apologize and hope that this is a satisfactory resolution for you.[redacted] is our customer service manager and I have already let her know to give you a full refund.  It would probably be best to speak to her directly to continue working on getting the remaining transactions processed, but if you would like to speak to me, you can call me on my direct line at [redacted]COO Payment Depot

I have emailed the customer to try to resolve the complaint.  For all chargeback issues the Processing Bank, handles those directly.  They mail out letters to the merchant to let them know how to dispute the chargebacks which consists of a phone number for them to call and a fax number to...

send in documents, they do not accept email.  I spoke to that department today to get the records and they said that of the 8 chargebacks that he had between 12/26/14 and 3/25/15 only one of them showed a response being sent in and it was a blank fax.  Unfortunately all of these issues are handled between the merchant and the Processing Bank (First Data) directly so Payment Depot would not have a record of the correspondence.  I have emailed the merchant though to try to find out more details to see if there is anything else that we can assist with but overall it appears to be an issue between him and one customer.  We are attempting to get more information from our merchant so that we can try to help resolve this.  It is unfortunate because this was out of our control but we still want to clear things up with [redacted].  Here is the email that I sent to him, I am awaiting a response.
[redacted],
I’m sorry for all of the problems that you have encountered
so far.  As with all chargebacks, they
are handled directly with the processing bank, First Data so we would not have
records of your correspondence with them. 
It looks like you had a total of 8 chargebacks between 12/26 and 3/25.  I see that most of them were for one customer
[redacted]
I asked about the chargebacks and the one from 1/5/15 for
$2,555.30, they said that they needed a valid auth code but the fax that they
received was blank.
We went through each chargeback case number by case number
[redacted] - $707
[redacted] - $2,555.30
[redacted] - $400
[redacted] - $2,525
[redacted] - $707
[redacted] - $800
[redacted] - $700
[redacted] - $151.50
 
The only one that they showed any correspondence was for the
case ending in [redacted] for the chargeback for $2,555.30 and the FAX was
blank.  All of the other cases show no
response from you.
 
When a chargeback is initiated, your customer is credited
their funds back until the dispute is closed. 
In these cases, since they showed no response the cardholder kept his
funds. 
 
It does look like we credited you back a chargeback fee of
$15 in February. 
 
If your customer bought something from you and took possession
of it then he would owe you the money still. 
The chargeback fees of $15 are charged by the processing bank.
 
Again I am very sorry for the inconvenience but all of these
are handled directly by the processing bank’s chargeback department so we would
not have any record of your responses to them. 
 
You can reach them at 800-858-1166 option 1 if you feel like
there is an error.
 
If I am missing something please let me know so that I can
help resolve this issue.

[redacted],First and foremost I want to apologize for the inconvenience that your account closure caused you.  It looks like you have been working closely [redacted] (multiple emails over the last few days), our customer service manager, in order to process the transactions that were rejected...

after the closure and I believe risk has released any funds that were being held at the processing bank.  Our policy is to give a full refund if an account is closed in the first 90 days and a prorated refund after 90 days.  Given the circumstances I would like to extend to you a full refund of the $399 that you paid us on 1/19.  We are sorry for the inconvenience that this has caused you and while we don't have control over the processing bank when they close accounts, we do acknowledge that this has caused a major inconvenience for you and we are happy to offer you a full refund.  Again we apologize and hope that this is a satisfactory resolution for you.
[redacted] is our customer service manager and I have already let her know to give you a full refund.  It would probably be best to speak to her directly to continue working on getting the remaining transactions processed, but if you would like to speak to me, you can call me on my direct line at [redacted]
COO Payment Depot

This was my response to [redacted].  I have a call scheduled with him in a few minutes:[redacted],
Do you happen to remember who you spoke with regarding the
forced authorization issue?
Also have you been in touch with [redacted]?  He clearly
owes you the money and it should be easy to prove to him that he has not paid
you yet.  What is the response from him, other than the 6
chargebacks? 
The chargeback department told me that they do not accept
emails, only faxes and regular mail.  I don’t even have an email for them,
just a phone number. 
I am going to continue to try to get to the bottom of this for
you but it seems like ultimately the most important thing is that we get you that
funds that are owed to you by [redacted]  How much does he actually owe
you?  I saw multiple charges for different amounts.

This was my response to [redacted].  I have a call scheduled with him in a few minutes:
[redacted],
Do you happen to remember who you spoke with regarding the
forced authorization issue?
Also have you been in touch with [redacted]?  He clearly
owes you the money and it should be easy to prove to him that he has not paid
you yet.  What is the response from him, other than the 6
chargebacks? 
The chargeback department told me that they do not accept
emails, only faxes and regular mail.  I don’t even have an email for them,
just a phone number. 
I am going to continue to try to get to the bottom of this for
you but it seems like ultimately the most important thing is that we get you that
funds that are owed to you by [redacted]  How much does he actually owe
you?  I saw multiple charges for different amounts.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below, which have been emailed to you as well in response to your reply. [redacted],
It's not your fault, in fact it would be one of your technician's fault for ill advising me. What he had explained to me was not the correct way to enter a 'Force Authorized Transaction,' which is specifically what we were doing at the time. All chargebacks came from same person. I called multiple times to try and resolve the issue. Neither time was anyone concerned with my issue, nor did they try their best so resolve my repeated chargeback issue. In fact they gave me more bad advice and I continued to try and charge the card multiple times. I have extensive documentation from the Department of Motor Vehicles, State of Florida vehicle registrations, credit slips and Finance contracts/Bill of Sales. I sent about 50 pages of documentation multiple times. Faxes didn't go through? How about the emails? Did those ever reach the Chargeback Department? Doesn't seem like anyone is putting much effort into this. 
This client purchased 2 vehicles and remained in posession of them, so yes the money is still owed to me. 
I will respectfully wait for you to contact the Chargeback Department in writing, preferably email, with [redacted] CC'd, so we can continue to work through this problem. This money is legally owed to me and I am not going to stop until the right thing is done.  You're supposed to excel in helping small businesses. It would be a terrible PR scandal to give a small business the wrong advice and make them lose $6000 plus the two cars exchanged for the $6000+ in credit, which is now owed to collections. 
With the most respect possible, figure it out and get back to me.
[redacted]
Owner & Operating Manager
[redacted]
Regards,
[redacted]

Payment Depot provided fast and efficient setup of our ecommerce account. After we were set up I cancelled my previous gateway and merchant account.
However within 1 month - out of the blue - I received an email saying that the account had been closed by First Bank. They refunded my deposit. My issue is that no notice was given and that if First Bank were going to decline the business - it would have been much better business practice to establish this in the initial vetting or at least give 2 weeks notice.
Nope - they just dumped us without notice and causing us business expensive. I therefore feel it hard to recommend the company.