Potamkin Automotive

Complaint: I am rejecting this response because:I have never heard of a PCI-doss compliance form so I did not know to fill it out! Your representative was the one who told me that it was a "one time per year inactivity fee" that is not just something I made upI could never log into my account to use it or do anything else with it because the log in information was never sent to me! Your company got my email address wrong not meI am the one who called to correct it not youI was also told when I originally signed up for the account that for each person I referred to sign up with your company I would receive a $bonus and I did sign up one person and yes they used my reference numberThat was never received and I'm not asking for thatI only want what you stole from meI think it's funny how all of the people I work with who signed up with your company had the same problemWe all had $taken from our account (one lady had it done times!) but you act like it was our fault for not being informedI noticed how in your reply to this original complaint you never addressed the rude employee who hung up on me and refused to give me his superiors contact informationI think along with my refund you should also be re-educating your staff on customer service standards and the recruiters that are signing people up should be trained to educate people about these " oh so impirtant forms" that seem to be hidden under the big bold title of "all fees waived"! Regards, [redacted]

uSwipe takes great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer The fee you incurred was not an “inactivity” fee as stated in your complaintThis fee was charged due to your failure to validate your PCI-DSS compliance, as required by your merchant agreementAny business with an open merchant account is required to attest to PCI-DSS compliance on an annual basisThe due date varies depending on when you opened your Merchant Account In preparation for your due date, we send courtesy notifications via standard mail and email, to advise you of the approaching deadlineFailure to complete your Self Assessment Questionnaire by the due date resulted in a non-validation feeAn open Merchant Account will continue to receive the non-validation fee on a monthly basis until the compliance is completedWhen you certify your compliance with PCI-DSS, you demonstrate your commitment to Data Security, in addition to reducing your exposure to fraud and the costs associated with it Per your Program Guide and our Terms and Conditions, any fees you incur from your Merchant Account can be debited from the checking account provided to us when your uSwipe account was opened, including non-validation feesEven if you never processed a transaction through uSwipe, by having an open Merchant Account you have the ability to process a transaction and are obligated (per your agreement) to comply with all mandates set by the processing bankThis includes completing your PCI Compliance requirementsWhile you may not have been actively using your account, the fact remains that you still had an open Merchant Account with uSwipe as you did not notify us of your intent to close your account Unfortunately, we are unable to offer any reimbursement of the non-validation fees that you received as these were charged in accordance with the Merchant Agreement, Program Guide and Terms & Conditions that you agreed to when opening your account

As stated in our original response, we send courtesy notifications via standard mail and email to advise you of the PCI-DSS requirementsWhile is it only required that we send notification via one medium, we understand that importance of how your merchant account plays a role in your business and go above our duty to notify you via multiple avenues; however, we are not required to verify that you receive, or read, any notifications that are sent Per your Program Guide and our Terms and Conditions, any fees you incur from your Merchant Account can be debited from the checking account provided to us when your uSwipe account was opened, including non-validation fee; uSwipe did not “steal” any money from you as we also incurred an expense from our processing banks and the card associations by your account not being validated in a timely manner While it is unfortunate that you were unable to access your account, any information we use to create your account is based on the information you provided on your application (including your email address)Additionally, since the email that contains your username and password is an automated message, our organization was unaware that you did not receive itWe encourage all of our customers to reach out to our customer service department with any questions related to their account – it would have been helpful had you contacted us within the first few days of opening your account to let us know you had yet to receive your login information While we are unable to corroborate your claim that the individual you spoke with was rude and refused to allow you to speak with a supervisor, this type of behavior is not toleratedWe have since addressed the situation with our support staff and have recently implemented on-going training programs to ensure that our customers continue to receive professional and supportive service from our organization Lastly, you are correct – we do offer of $referral credit for merchants who are referred and approved for a new accountAfter researching this, I do indeed see that you referred a new customer to us and greatly apologize that you did not receive your referral credit in a prompt and timely mannerWhile the account that you referred is now closed with us, it is important to our organization to honor our obligationsWe will be sending you a $referral payment; this will be addressed to the address you provided at the time you submitted your Revdex.com inquiry

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10602717, and find that this resolution is satisfactory to me
I no longer wish to haggle with this companyI am going to cut my losses and see if they hold up to their end of the bargain THIS time! There was a lot of misinformation in that last responseBut I don't want to get into it anymoreI only reported them to the Revdex.com in order to keep this from happening to more people
Regards,
*** ***

uSwipe takes great pride in conducting business with the
highest level of service and supportWe have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer
When we
receive notification to update a bank account, we
request that the account owner leave the original bank account open until the
bank account change has been completed (which may take 3-business days)Your
bank account was closed before we were able to make the necessary changes to
your account, causing your deposits to be rejected by your original bank and
stored in a ‘reject account’ by our processing bankWhen this occurs, it takes
additional time to receive the funds back from your original bank account, clear the flags in the account and change the necessary deposit indicators
back to their original stateWe are
working with the processing bank to have the rejection flags cleared and your
funds releasedThis case has been escalated to management at the processing
bank and we anticipate this being completed within 2-business days

I have reviewed the response made by the business in reference to complaint ID 10943990, and find that this resolution is satisfactory to me.
L[redacted]

uSwipe takes great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer.   The fees that...

you incurred were not “overcharges.” The fees were acquired by the rates associated with the credit cards that you had processed. These rates were agreed upon with your signed merchant application. It is your responsibility as a merchant to read and review your merchant processing agreement. A signed application from you assures us that you are aware of and that you agree to the fees that you will be charged. If you had signed an application with different rates than we had charged you, then the term “overcharge” would be appropriate. That is not the case in this situation. We charged you the fees that you signed and agreed upon. Regarding the amounts you feel you should be credited, $50-$100 as well as $1000, those numbers were solely produced by the dollar amount of credit card transactions that you processed. Nothing was charged in addition to those fees; which you signed and agreed to. I have attached a copy of your merchant processing agreement for your reference. In regards to your claims of Mr. G[redacted] avoiding you, you were notified by Jaredd himself that his schedule would be erratic and that he would physically be out of the office. This makes the claims that you make of him avoiding you very untrue. In spite of the face that you had called the office multiple times to discuss your fees, you were still using the service. If you were in fact unsatisfied with the service and you felt that you were being overcharged, then you should have not continued to use it for 6 months. We did speak with you multiple times regarding your account and your pricing structure was changed to match your old account. Due to a data entry error you were actually overcharged here and we did credit you back that amount in a very timely manner. Your account has been credited $139.59 as of May 5th, 2016. Furthermore, your account with uSwipe has been closed, you will no longer be charged monthly, and you will not be able to process credit card transactions through uSwipe moving forward.

We apologize for any miscommunication the merchant may be experiencing. However, there are numerous ways to contact our organization. Our primary business information is listed in various areas including the Revdex.com record in which this merchant accessed to submit this complaint. In addition, the...

monthly statements that are mailed to the merchant contain our contact information as well. Upon calling our corporate office, there is an option to speak to 24 hour support in the event a call is received after hours. We can also be reached via various social media platforms.uSwipe, Inc has been diligently attempting to reach this merchant over the course of the last nine months. There are documented email correspondence as well as outbound telephone calls to the merchant that have gone unanswered. In order to terminate your account, a merchant is required to return the equipment provided to them. Please contact our office at ###-###-#### or [email protected] so we may provide return instructions and a prepaid label so you may return your equipment. In addition to returning your equipment, we require a written request by the principal signer of an account to terminate it. Again, we apologize for any discouragement or miscommunication and look forward to diligently resolving your matter.

Complaint: 10855284
I am rejecting this response because:Clearly I did not have the ability to process any transactions as this company claims that I did.  I had absolutely no information about processing through the company and had no record of an account being opened.  I did not  have a merchant number or account number.  I never received any  communication from this company by mail or e-mail as they claim I did.  Since no written communication was ever received it was my understanding that an account had not been opened and did not exist.'Even after sending the e-mail to the address I was told to over the phone, I did not receive any communication of any kind from the company to confirm that they had ever received it.  The only written communication besides statements from this company that I received, came only after Revdex.com became involved.  Then the e-mail they sent me stated the account was closed and that if I didn't return the equipment to them I would be charged additional fees!  I clearly do not have any equipment from this company.Clearly they have terrible customer service ( as it's non-existent), and they are a fraudulent company taking advantage of small business owners and sucking us dry on a monthly basis.  I am continuing to demand the return of my hard earned money that USwipe had no right to take.  This company sure came up with a good name for themselves as they swipe the merchants money from their bank accounts without consent and refuse to issue refunds when they have taken the money that doesn't belong to them.I will not rest on this matter until all of my money has been returned to me.
Regards,
S[redacted]

uSwipe takes great pride in conducting business
with the highest level of service and support. We...

have and continue to develop
long lasting relationships with our merchant, affiliates, and business
partners; we regret any time we receive a response from an unsatisfied customer. As discussed in your conversations with our customer support team, your refund check was processed on July 27, sent via standard U.S. Postal Service. As it was not sent certified mail, a tracking number is not available. It is not uncommon for mail to take up to 5-7 business days to be delivered. If your refund check is not received by the 10th day, we will void the original check and reissue your refund; in such a case, the replacement check would be sent via UPS to ensure delivery and trackability.

This person was solicited by an independent contractor. Our organization, uSwipe Inc, a domestic U.S. based registered merchant service provider, has no affiliation with First Data Canada and is not a party to the agreement this merchant signed. The contract was initiated by an independent representative who has no direct affiliation with uSwipe Inc, a registered ISO in the U.S. The correspondence in reference are result of a miscommunication as the merchant insisted she had an account with uSwipe Inc when in fact she does not. Per the merchants own admission, she initiated a contract with First Data and the fees assessed to her account were billed by First Data. This complaint is improperly being filed against uSwipe Inc and therefore is invalid.

Complaint: 10602717
I am rejecting this response because:I have never heard of a PCI-doss compliance form so I did not know to fill it out! Your representative was the one who told me that it was a "one time per year inactivity fee" that is not just something I made up. I could never log into my account to use it or do anything else with it because the log in information was never sent to me! Your company got my email address wrong not me. I am the one who called to correct it not you. I was also told when I originally signed up for the account that for each person I referred to sign up with your company I would receive a $50 bonus and I did sign up one person and yes they used my reference number. That was never received and I'm not asking for that. I only want what you stole from me. I think it's funny how all 4 of the people I work with who signed up with your company had the same problem. We all had $99 taken from our account (one lady had it done 3 times!) but you act like it was our fault for not being informed. I noticed how in your reply to this original complaint you never addressed the rude employee who hung up on me and refused to give me his superiors contact information. I think along with my refund you should also be re-educating your staff on customer service standards and the recruiters that are signing people up should be trained to educate people about these " oh so impirtant forms" that seem to be hidden under the big bold title of "all fees waived"!
Regards,
[redacted]

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
 
The...

fee you incurred was not a monthly fee for having an
account. This fee was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account.
In preparation for your due date, we send courtesy notifications via standard
mail and email, to advise you of the approaching deadline. Failure to complete
your Self Assessment Questionnaire by the due date resulted in a non-validation
fee. An open Merchant Account will continue to receive the non-validation fee
on a monthly basis until the compliance is completed. When you certify your
compliance with PCI-DSS, you demonstrate your commitment to Data Security, in
addition to reducing your exposure to fraud and the costs associated with it.
 
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements.
 
Per our records, we had spoke with you on several occasions
by phone reminding you that your compliance needed to be completed by the 25th
of February and it was not. You were also provided the direct number to our
office so that you could call in and check to make sure that your compliance
was completed and you did not. Any fees incurred prior to validation are
non-refundable. Our systems show no record of a refund being approved on your
account as the fees that were charged were valid. Additionally, your account is
still open and will not be closed until we receive the equipment. According to
our records, you were sent a return label to send back the equipment on March
4, 2016.
 
In regards to you not signing the application; we would not
have sent you a credit card processing device without your signature. You
accepted the device and used it to process transactions. If you had not signed
an application for this service then that should have been a concern brought to
our attention immediately. Not after three months of using the service.
 
Referencing the fees that you are requesting to be refunded,
you were only actually charged the $99.00 PCI non-validation fee in the month
of March. In the months of December-February, you were billed for processing
fees from the transactions you ran, your monthly statement fee of $9.95, an
annual fee of $55.00 in January and a monthly minimum of $25.00 in the months
you did not process any transactions. All of these fees were agreed upon the
signing of your merchant application and are non-refundable.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
The fee you...

incurred was not related directly with the rates
you were quoted with processing transactions. In fact, the fee that you are
referring to was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account,
but new accounts are provided a 3-month window to complete their compliance
before the account falls into non-validation status. In preparation for your
due date, we send courtesy notifications via standard mail and email to advise
you of the approaching deadline. Failure to complete your Self Assessment
Questionnaire by the due date resulted in a non-validation fee. An open
Merchant Account will continue to receive the non-validation fee on a monthly
basis until the compliance is completed. When you certify your compliance with
PCI-DSS, you demonstrate your commitment to Data Security, in addition to
reducing your exposure to fraud and the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. By having an open Merchant Account you are obligated (per
your agreement) to comply with all mandates set by the processing bank. This
includes completing your PCI Compliance requirements.
Per our records, validation of your compliance for the
account number provided in this inquiry was completed on June 19 2015 at which
time the non-compliance fee was promptly removed from your account. Any fees
incurred prior to validation are non-refundable. Our systems show no record of
a refund being approved on your account as the fees that were charged were
valid. Additionally, your account has been closed as of February 24, 2015, per
your request.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
After reviewing...

your account, I do show that you requested a
refund and that your account be closed in March. I apologize that this request
was not taken care of in a timely manner, which caused further billing to your
account. While the $12.95 is a monthly fee associated with your account being
open, uSwipe would like to offer a courtesy credit of $12.95 for the past
3-months, totaling $38.85. A check for this refund will be mailed to the
address you provided in your inquiry. If you have any further questions regarding the status of your refund or your closure request, please feel free to reach out to our customer support at ###-###-####.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
A request has...

been submitted to have your monthly account
fees set to zero while we are waiting for your refund to process. Once the
refund has posted, your account will be closed. You should not receive any
further charges from uSwipe. However, please ensure that you return any equipment that uSwipe has provided to you when your account was first opened.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
Firstly,...

the representative (R[redacted]) that you spoke with was a
technician in the installation department who had attempted to reach you to
install your equipment since June (when you opened your account). After many
attempts to reach out to you, we requested that the equipment be returned as 90
had passed and you were still not using the free equipment we had provided your
business as an incentive to process credit card transactions. Our records
indicate this is when you finally discussed your account with R[redacted]; however at
this point your account had already been inactive for over 3 months. Please
note, however, that the fees you are objecting to are completely unrelated to
the installation of your equipment.
The fee you incurred was charged due to your failure to
validate your PCI-DSS compliance, as required by your merchant agreement. Any
business with an open merchant account is required to attest to PCI-DSS
compliance on an annual basis. The due date varies depending on when you opened
your Merchant Account. In preparation for your due date, we send courtesy
notifications via standard mail and email, to advise you of the approaching
deadline. Failure to complete your Self Assessment Questionnaire by the due
date resulted in a non-validation fee. An open Merchant Account will continue
to receive the non-validation fee on a monthly basis until the compliance is
completed. When you certify your compliance with PCI-DSS, you demonstrate your
commitment to Data Security, in addition to reducing your exposure to fraud and
the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements.
As of today, we have received your returned/unused equipment
and your account has been closed. You have already spoken with many individuals
at our company and multiple levels of management; unfortunately, you do not
qualify for a refund as the fee(s) you incurred were not charged in error.

Complaint: 11474867
I am rejecting this response because:  Yes I did have a relationship with Uswipe and many emails that went back and forth. I have contacted First Data and they are telling me to contact Uswipe. My application was sent over to Uswipe and never was there a confirmation to me of this from Uswipe, so after months of no replies  I asked Uswipe to cancel the application and never heard back. I did deal with Uswipe U.S.A first and then they transferred me over to Uswipe Canada.
Regards,
[redacted]

Complaint: 11432461
I am rejecting this response because:This last response from Uswipe is precisely why I moved on to another CC processor.  AGAIN Uswipe fails to address the previous contract that I have mentioned in every response and every phone call to Uswipe (and now with the Revdex.com).  They now call me a liar and claim there is no proof that I ever called about the OVERCHARGES.  Uswipe PLEASE provide for all of us the previous contract for MILLENNIUM ENTERPRISES.  (I can and will if asked)  Then please explain after 6 months of my reliance on you to DO what you SAID you would DO and provide me with the SAME pricing structure as the MILLENNIUM ENTERPRISES contract, WHY you defame and slander me in your handling of this matter.  I acted in good faith and believed this company when they claimed they would fix the problem.  I was never instructed to file a written complaint about the charges.  I was simply told they would fix the problem.  NOW after 6 months they CHANGE their story. They claim all of my calls were “not documented and are therefore are speculation and hearsay”.  How convenient!!   This is not true.  I can if needed supply all documented dates of the calls made to customer service to resolve this pricing problem.  I can also supply ALL of the previous bills(from 7/2014-10/2015) to MILLENNIUM ENTERPRISES.  AGAIN I continued to use Uswipe in good faith believing they would follow through with the promises made to me by their customer service department. Obviously the way Uswipe handles customer complaints of “overcharging” is first to ignore and deny the problem (while enriching their pockets) then make false promises to fix the problem (while enriching their pockets) Then finally SLANDER and ATTACK the client (while enriching their pockets).  They now claim I am unable to understand the “complexities” of the rates charged by merchant processors. Funny how for the first year and half that I did business (with Uswipe)as Millennium Enterprises I was ABLE to understand and APPROVE of the charges from Uswipe.  I am now OUT over $1000.00 and they now are attempting to justify their actions by claiming my numerous complaints are only a figment of my imagination.  Uswipes claims of great pride in customer service is absolute NONSENCE.  This company’s integrity represents an all-time LOW from my experience with customer service. I would highly recommend to anyone considering doing business with this company DO NOT DO BUSINESS WITH USWIPE.
Regards,
L[redacted]

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
 
This...

fee was charged due to your failure to validate your
PCI-DSS compliance, as required by your merchant agreement. Any business with
an open merchant account is required to attest to PCI-DSS compliance on an
annual basis. The due date varies depending on when you opened your Merchant
Account. In preparation for your due date, we send courtesy notifications via
standard mail and email, to advise you of the approaching deadline. Failure to
complete your Self Assessment Questionnaire by the due date resulted in a
non-validation fee. An open Merchant Account will continue to receive the
non-validation fee on a monthly basis until the compliance is completed. When
you certify your compliance with PCI-DSS, you demonstrate your commitment to
Data Security, in addition to reducing your exposure to fraud and the costs
associated with it.
 
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements. If we are unable to retrieve funds from your bank account due to
insufficient funds, per the Terms and Conditions, your account may be submitted
to collections.
 
If your collections amount(s) have been resolved, then you
should not worry about an impact to your credit report(s). However, if you do
not resolve the collection matter, the amounts may be reported. Please contact
the collections department if you are unsure on the status of your collections
account.