PCBancard Reviews (%countItem)
PCBancard Rating
Address: 420 Boulevard Suite 206, Mountain Lakes, New Jersey, United States, 07046-1733
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I was charged $817.95 - 41 charges of $19.95 per month in 2017 for 4 merchant services accounts. I received no communication from Platinum Choice Bancard by phone or email regarding PCI non-compliance fees nor was I informed about ***, a separate merchant services company I am to contact to avoid PCI non-compliance fees. Are there Quality Control measures to protect Platinum Choice Bancard customers from being exposed to fraud? Is Platinum Choice Bancard in the business of protecting my business or exploiting it?
Also, I was also billed another PCI non-compliance fee for January 2017 after I submitted Certificate of Validation to Kristen Losh on January 18, 2018. I have now been charged $837.90.
Due to regulations from the Card Holder Association (*** all merchants must do a yearly questionnaire to maintain their PCI Compliance. The processor sends out statement messages with reminders. Platinum Choice does not get notified when a merchant is PCI Non-Compliant. The merchant will see the non-compliance fee on their statement every month they are not in compliance. The non-compliance fee is determined by the Processor, not Platinum Choice Bancard. We offered to refund up to 2 months per account once merchant became compliant but that was not acceptable to this merchant. Since merchant is cancelling, we do not offer any refunds. If the merchant wants to continue to process with Platinum Choice we would be happy to offer the 2 months refund for PCI Non-Compliance Fees.
Salesman came to my place of business, sold a product to include free website, able to invoice customers through email at no monthly or annual fee. I have a signed contract stating such in regards to the fee. Salesman repeatedly told me he would find out about how to set up my website and how to invoice my customers through email. Finally told me he misunderstood and invoicing my customers through email was not an option. Product did not meet my needs, I only used product for one charge. Advised salesperson in December to cancel my account. Salesperson never contacted home office about cancelling my account. Started calling home office on 1/9/18 after noticing a charge to my bank account which I was advised was annual fees. Advised my contract does not show any fees of any kind other than a percentage per transaction of 2.68%. I currently have a 2.75% with the company I have now and no annual fee, so why would I change and pay something I am not paying now? Spoke with Kristen at their office on two occasions. She has tried to tell me the annual fee was in a statement, however I have never received the 1st statement from this company. In my opinion this company is committing fraud by charging for something that is not laid out in the initial contract and will not refund me the "annual fee" that is not laid out in our business contract.
Please send Platinum Choice Bancard a copy of your contract, so we can compare it to what was submitted to the corporate office. It can be emailed to *** We never received any notification that this merchant wanted to cancel except for an email dated 1/29/2018.
Complaint: ***
I am rejecting this response because:
No resolution
As I asked in my call where I spoke with Kristen on the 29th, can someone please forward a copy showing me where that is allocated in contract. The part of the contract that says anything about a annual fee is not marked in any way, and also not notated as to what month it would be charge. If this was not general procedure then why would the employee of Platinum Choice Bancard (Kristen) be able to point this out to me immediately on 1/29. Also I have never been offered a refund in any of the conversations by anyone from Platinum Choice. I do however have an email from Ms. Tina Bruner trying to sell me more products and even mentions "As far as the fees you have been charged, I sadly do not have any control over that BUT I can speak with our owner who is extremely understanding and cares about each of our merchants."
Since this complaint I have also received another charge of $19.95. So the refund I am now looking for is $96.75.
The one charge you reference was a charge where your salesperson (Bennett C) purchased a product from my business. He was here in person. As I told Mr C when he was here, I rarely deal with customers in person at the time of the payment transaction. I was told I would be able to email invoices to my customers which they would be able to pay from a link in the email. I was also told I would be receiving a free website. I was told there were no charges of any kind for equipment, or monthly or annual fee, or cancellation. Only fees would be the percentage fee per transaction. Since I was not able to use the product as I was told I would I decided to cancel my account. It was not being used. As per my detailed history with this issue I contacted my salesperson Bennett C in December to cancel my account at which time he advised he would take care of it.
Was Mr. C not your salesperson? Did he not represent your company? Was he not acting on the behalf of Platinum Choice Bancard?
At this time I am not only looking for a refund of $79.80, But a refund of the most current charge to my account on 2/7/2018 of $19.95. This refund can be submitted by check since I have cancelled my debit card with my bank as to not incur any further fraudulent unauthorized charges.
Regards
Your account has been cancelled and I will send you a check for the $19.95 non-compliance fee. As stated before the annual fee is hard coded on the application. I hope Revdex.com considers this resolved.
We signed up with Platinum Choice Bancard under the assumption of receiving a machine better fit for our business and better customer service. The customer service was nonexistent, we struggled for months to receive a credit card processing machine that actually worked. Our first "high tech" machine we received came with no instruction manual. After asking our sales rep (Karen) for instructions we were told to watch YouTube videos. We were assured that our requirements could be met. However, we ended up having problems with each machine (4 in total). We needed a terminal that would automatically batch out each night on it's own, due to stylist leaving later and coming in earlier than our receptionist. Not only did the machine not batch out automatically, we were unable to batch out without calling in each day. We also specifically stated we needed a machine that would allow us to enter tips at the time of service, none of the machines did this, causing us the loose hundreds of dollars in tips. The last terminal we received a sales rep came in to program it and failed. She was to call me to set up a new terminal but went out for knee surgery and didn't inform any of her coworkers of our situation, therefore PBC charged us $145.00. After calling PBC they sent a new terminal and emailed me a form to sign which I refused and asked for a copy of my contract again, which I never received the duration of my service. I returned all the terminals, spoke with Charlene letting her know we were tired of the confusion, she apologized and agreed that it was mishandled. When calling the company the automated system states the phone calls are recorded, PCB should have record of all of the repeated phone calls and each situation as it happened. I was contacted on 11/15/17 by a collection agency stating I owe them $795.00. I do not agree with this. I gave them ample opportunities to correct each problem, from 1/21/17-5/15/17. Thus loosing tips, cc charges that were never refunded.
I cannot respond to this merchant as she has already been sent to a collection agency and going forward all communication must be between them and complainant
Complaint: ***
I am rejecting this response because: I allowed PCB months to provide us with a working terminal which they could not do, I cannot afford to keep missing sales and tips due to their lack of support. It is detrimental to a small business to not have a working cc terminal. I had to make a business decision for all of my stylist and myself.
Regards
As stated before merchants account has been placed with a collection agency. PCB can no longer discuss this with her.
I had to cancel my account with Platinum choice due to their security issues with credit card payments. I own multiple *** locations and was told by *** to find a new company because Platinum didn't meet their requirements on account safety. I have been being billed $67 in fees for months even though I didn't use the services. Now that I'm leaving I get hit with a $119 ANNUAL charge to make sure I'm in compliance per location. So I was debited over $558 and didn't use and canceled my service. When I contacted them and spoke with Charlene B I was told I was STILL waiting to be canceled and might be charged these charges again next month! I want my account canceled and my fees for this compliance annual fee returned since I put the request in before this fee was to hit!
Merchant did not cancel due to any security issues with Platinum Choice. She cancelled due to another company purchasing her company. All transaction security is done by the ***. The largest most secure processor in the world. There were absolutely no instances of security breaches by *** with *** which is the name we have on this account. We have never worked with a merchant called ***. On July 5, 2017 PCB received email from ***, owner, that *** has bought *** and they can only work with specified vendors that *** work with. We gave our address to return the terminals and pinpads. These were not received back to PCB until July 20th. Either owner is not being truthful with PCB or she is not being truthful to the Revdex.com. We were notified during the month of July 2017 to close account and processor charged them the PCI Annual Compliance fee during that month. No credits will be issued to this merchant as they had all of our terminals and pinpads almost the entire month of July and did not ask to close the account until the new month already started..that month being July 2017.
Complaint: ***
I'm rejecting this response because:I still have no answer on the DATE it will be closed and if more fees will be charged to my account. You need to read the email better. *** bought *** NOT ***. Yes, when they performed a security test they found you had breaches in the system and demanded ALL *** go with *** or ***. I still get emails saying I need to update my terminals with you because they are out of date. With *** and *** I'm ALWAYS in compliance ! I have asked 3x now when I will be canceled and if they are going to try and sneak some other fees on my account before they terminate. I still have no answer , just the run around . I need to see an invoice this time last year showing those fees ? You say they are annual then show me last year when I paid ? I still have no answer on that question . My next step is to file with the *** and ***. I will post on every site until we get some answers and dates ! I have *** reviewing the charges and changing account numbers to stop this company from sneaking money from my account. If you are a merchant reading this RUN from this company !
Regards
we received the following email from this merchant. He chose to go with a company that requires him to process with someone else. This has absolutely nothing to do with Platinum Choice Bancards security. This is merely one software company who has a preferred processor. See email below from owner
---------- Forwarded message ----------From: ***<***>Date: Thu, Jun 8, 2017 at 9:13 AMSubject: Fw: Credit Card ProcessorTo: *** <***>
Hey ***, Here is a email advising me again that I MUST go with one of the 2 listed providers for credit card processing our my system will not work. *** has installed all new firewalls and equipment for security reasons. Our company was just bought by *** and they are very picky about who and what vendors we can use now. This is for all 3 of my locations. *** On Thursday, June 8, 2017 9:07 AM, "***, ***" <***.*** wrote:***- Per our conversation, our *** system, ***, is only compatible with *** and ***. Per your ***, you must accept credit cards and therefore must have one of these processors. Please let me know if you have any questions. Thank you.
Complaint: ***
I am rejecting this response because:They still have NOT answered the question on when I will be canceled and what date. This company is still trying to hit me with fees . This is my 3rd time rejecting your answer . Do you have anybody that can answer my question. If you are a MERCHANT stay away from this company . You see what I'm going thru ! We have filed a complaint with *** and a*** office. See my complaint there also. STAY AWAY FROM THIS SCAM COMPANY ! Still no answer !
Regards
Your accounts are in the process of being closed and will be completed before months end. Platinum Choice Bancard has submitted the closure request to the processor ***. Please stop filing complaints under different names. We are aware you are the same company and are just trying to hurt the reputation of Platinum Choice Bancard since you lied in your complaints about the reasons you closed your accounts. We have serviced your accounts with no issues for several years until you had to buy software which was not compatible using *** as your processor. If you continue to spread these falsehoods we advise you govern yourselves accordingly.