Red Payments

Good afternoon We here at red payments are the sales office and do not have any control over the interchange fees that are associated with VISA and MASTERCARD We are investigating the issue and we will have someone contact you on Monday We apologize but we are also having a hard time...

understand what and where the error is that is causing this monetary inconvenience

Good afternoon  Would please be so kind and call our officeWe would want nothing more then to resolve your issues Please contact us at ###-###-####

good morning We do not hold your money We are the sales office and we are working with you to get you your money You are not on next day funding due to your average ticket Your funds were not on hold there was just a risk verification for YOUR protection we apologize that it...

has taken longer then you or we had expected but I asure you if not today then tomorrow your funds will be in your accountWe just contacted the risk department at the bank to verify Please always feel free to contact us at [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
 
First of all, I did not have full knowledge of the cancellation fee the entire 2 years I was with Red Payments.  There is no where in the contract that states a certain fee.  I was told about the fee when I  called about cancelling  I never told them to cancel my account; at the time I was inquiring about it so they did take the funds without my knowledge.  Secondly, there was no email to me stating the cancellation fee as the stated in there reply.And thirdly, charging someone $395 to leave the company for a competitor and then charging someone 4 times that amount for closing their business is absolutely ridiculous.  Just because I didn't go out and find a new processing company I should not be penalized.  I still have no idea where they came up with $2700 as the cancellation fee.  Why couldn't I pay out my contract at the monthly fee?  That would be much less.      
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Review: This compliant is submitted on behalf of our client, NDIRA, Inc./Instyle located at [redacted], who has repeatedly contacted Red Payments regarding the fees charged by Red Payments. In the past several weeks, [redacted] has contacted Red Payments service several times over the charges but Red Payments has been unable to resolve this matter to our satisfaction and hence this compliant is being filed against Red Payments.

Although we understand the high volume of requests Red Payments must receive from customers on a daily basis, we are appalled at the way in which their customer service representatives have disregarded our concerns—a matter not to be taken lightly.

Our hope is to resolve this matter in the most efficient way in a timely manner.

Red Payments recently placed a payment processor at our business location listed above. While placing the payment processor, Red Payments sales representative, Ms. Mary E[redacted], assured us of the following:

(i) That there would be a monthly change of $20 only if there is no activity on the processor;

(ii) She would send a copy of the contract right away after going to the office; and

(iii) Red Payments will reimburse previous processor's charges in the amount of $350.

Neither Ms. Mary E[redacted] nor Red Payments has been able to provide a copy of the contract till date. In addition, we have been overcharged for the last 4 months. We have been charged close to $320.16 up to this point. Red Payments has repeatedly indicated that they would refund the amounts charged but to no avail. We have been misled to sign the contract and agree to their terms.

I would, therefore, request Red Payments to reimburse $320.16 to us forthwith and cancel the contact with us. Red Payments has caused unnecessary harassment to us. I would also request Red Payments to stop any further charges to us.

I look forward to hearing from you and resolving the matter. Please let me know if you have any questions.Desired Settlement: Request Red Payments to reimburse $320.16 to us forthwith and cancel the contact with us.

I would also request Red Payments to stop any further charges to us.

Business

Response:

Good Evening First we would like to apologize that your experience with Red Payments was not absolutely perfect! I was reviewing all the notes to the account and we spoke with your client quite a few times. In our conversations we stated that we have NO issues reimbursing the Previous Processor ETF ONCE and ONLY ONCE, the merchant provides proof that they paid it. NO proof was ever provided to us. As for the fees, we also stated that once the merchant is processing with us, We have absolutely no problem refunding them everything they were over charged. The merchant never processed. Once we submit and account, they have an MID they are now following the agreement that they signed. Merchant was charged for months that they didnt process because he was under contract with us here at red payments. We had 2 customer service representatives speak with him numerous times and he did not want to work with them. We can contact collections to remove them from collections for the cancelation fee, but a refund for charges that were brought onto the account while we were trying to get the merchants issues resolved and he wasnt cooperating; we can not due. We apologize for the inconvenience. You may contact us at ###-###-####, we will be happy to speak with you and try to resolve any other issues

Review: I own a store in [redacted] I was getting ready to open. a representive came in and ask me if I was interested in a credit card merchant service I was so he set me up with red payments I ask him if it was a contract he said yes but in the state of [redacted] I could cancel for $50.00 I said ok we set it up it was a little high. he came in a few months latter and told me he could switch me to a company with better rates I ask him about the cancelation fee of 50.00 he said that was no problem he would take care of it. he never did. anyway he set me up with a new company gave me cancellation letter for red payments I sent it by fax and called them to see if they received it they were very rude told me that the agent was no longer with them and that they were suing him I told the lady that that was non of my bussines and she went on to say that I would be supinaded to court if I canceled my contract I told her I didnt do anything wrong I just wanted to cancel my contract. she told me if that represinitive came in my store I was not to talk to him I told her I would talk to who ever I wanted.so the next month after I received another bill from red payments in the amount of 88.39 there were no transaction for service they didnt process anything just charged me 88.39 which was more then the month before with a lot of transaction on it. I called them they said I had no choice it had been taken out of my bank. she said they didnt get the cancelation notice I told her I called you after I faxed it and you said you got it. she said there would not be anymore charges that was it. I sent them ther equipment back with another cancelation notice by ups so they had to sign for it. another month went by I received another statement where they took another payment in the amount of 82.49 there were still no processing. just charged me for I dont know what. the 2 bills were more then my service when I was runing credit cards thru them. they charged me 88.39+82.49=170.88 in two months that I did no service with them. I think they were upset with there agent because he went to a different company and took it out on me. I believe they should refund my account in the amount of 170.88 because they didnt do any processing for me and I canceled.ploease advicDesired Settlement: I think they should refund my account in the amount of 170.88

Business

Response:

In response to the complaint of

[redacted],

We originally called [redacted] because her

sales rep was fired from our company. We

wanted [redacted] (our customer) to be aware that because he signed [redacted]

up he may have a hold of [redacted]’s personal information and she

should not stay in contact with him. That was something that we do here to

protect our merchants from fraudulent sales

representatives. [redacted]

then proceeded to scream

at us and threaten us, in lieu of us actually

trying to help her . Not seeing that her account was from [redacted] I

told her that there may be a large cancelation fee. She started franticly

yelling on the phone. Looking closer into her account I saw she was from

[redacted] and quickly apologized for the mix up and told her that she was

correct it would only be 50.00. I asked if you want to cancel please send us a

cancelation letter. We again explained what was happening to her sales rep

because we felt that she was OUR customer has the right to know when she is dealing with a fraudulent individual.

We did tell her that we are taking legal action on her Sales Rep

but never mentioned anything about taking her to court. We felt we were doing

the right thing by trying to protect her against identity theft, but she took

it as we were telling her what to do.

Not even giving us a second to

speak she starts yelling again .We explained to her that the [redacted] that

she originally spoke with is no longer with us and there isn’t any record or

her stating that she received her fax or notice or confirmation of canceling.

We did receive her terminal in mid may with a notice and we did put it into our

system. And started the closure procedures.

When she finally called June [redacted] we told her we apologize that she

got hit with fees in may and as a courtesy we will go ahead and close her

account without the 50 dollar cancelation fee.

If the merchant prefers we can charge her the $50 cancelation fee and refund

her the fees for the month of May as a courtesy. There is no reason that

she would be requesting the refund for the April fees considering that this is

when they she says they requested to cancel.

Please let us know what else we can do to make a satisfactory resolution to

this issue.

I switched to RED payments from the processor suggested by my local bank after a walk in salesman ran my numbers and showed me how their rates would save about $40 per month. It wasn't a huge difference, but I figured after the $100 cancellation fee from my current processor was paid, I would be saving some money each month.

After the first billing cycle, I did see the new rates, but instead of a net ratio of income to fee being about 2.4%, it was about 3%. Rather than saving money, I was now paying more. After looking into the statement more, I saw a minimum fee which I wouldn't have crossed unless I was doing about 4 times my best month on record. I was able to get the fee waved after calling, and that put my overall fees down to about 2.5%. I still wasn't saving money, but there was no sense to move at this point.

Then the hidden fees started kicking in. There was a $99 annual fee which my old processer didn't have. There was a $150 compliance charge which was only $80 before. Also they wanted me to perform the compliance checking, which was done on my behalf before. After another few months, I started seeing a $19.95 penalty fee on my account. I logged back into the tools and the scan which has previously said it completed and was good for 90 days, was now asking to be run again since it expired (this was only a month after running it). But the link to execute the scan was stuck in pending, so there was no way to run it correctly and therefore avoid the penalty.

Rather then seeing myself fighting on the phone every month, yet still getting surprise charges, I moved back to my previous processor, and now I'm facing a $1,600+ cancellation fee. Avoid at all costs.

Review: I tried for several months to get my questions answered by the sales rep and his boss. For months the company did not send us any itemized billing statements. I kept asking and asking [redacted] ###-###-#### and [redacted] ###-###-####. They both kept telling me that they would take care of it; that they would find out why the charges being billed to me every month were much higher than they told me they would be, but month after month I never got any statements and my bank account kept getting debited charges that did not make sense. In addition to contacting [redacted] and [redacted] about the billing I also contacted them about the PCI compliance info I was receiving because it was confusing. I went on line as instructed in May and completed the compliance, the system told me I completed it, and was not told I needed to do anything else. Finally in October, after 5 months of trying to get answers I was given a number for [redacted], and I was assured that she would take care of every thing and get me the refund we deserved. I contacted [redacted]. [redacted] finally got me copies of our statements. In reading the statements I discovered we were being billed for things that we had not contracted to be billed for. Also in working with [redacted] we discovered that there was something wrong in the PCI compliance. I had completed the compliance in May, but it was saying that we had to do a quarterly scan to stay in compliance. [redacted] logged into my account and changed it so it would not need a quarterly scan because our account did not need that and it was making us look out of compliance when we really were in compliance. [redacted] e-mailed me and told me on October [redacted] and told me that I would have a breakdown of our refund the next morning. I have tried to contact her several times since then, but I have never heard back from her since then. She stopped answering my calls and stopped responding to e-mails. I sent a text message to [redacted] on October [redacted] He responded and said, "I will get it resolved. Sorry for the problems." I did not hear back from him. I text him again on October [redacted] and he has not responded.Desired Settlement: We were charged a monthly $25 "minimum discount" that was not in our contract. So that would be $125 for May - September and another $25 if we have already been charged that in October. [redacted] might have lowered it to $15 for October, but we never agreed to a "minimum discount" fee and it needs to be refunded and removed from any future billing.

Also in July we were charged $149.99 for non compliance which was not the case and that needs to be refunded along with the $19.99 that was charged to us in August and September. So the non compliance fees that should be refunded are $189.97. Plus another $19.99 if we were already charged that for October.

That is a total refund of $314.97 for charges through September or $359.96 if those charges were billed to us in October.

Business

Response:

Good morning

First I would like to start with my apologies for the "brush off" treatment you have received from your sales rep

I am the [redacted] of the retention department where [redacted] works. I would like to give you a call later on this afternoon with [redacted] on hand and we will discuss everything and absolutely make everything right for you as our valued merchant. Please take my direct contact information as well so you can always give me a call if you need something

please keep my information and feel free to give me a call

Review: We were a customer of Red Payments. In December 2014 we decided to switch to a different credit card processing company. The new company submitted our cancellation notice to Red Payments. We were contacted by Red Payments in January 2015 asking why we were canceling with them. Our three reasons for canceling were: their rates were not as good as they had promised, they did pay the termination fee to our previous company as they had promised and finally their sale rep here in [redacted] never called or did any follow-up after we switched to them. On January **, 2015, we received an email from Red Payments that our termination fee with them would be $2,101.59. On January **, 2015, we mailed them asking them if they would reduce the termination fee by $295, which was the amount we paid our previous processor, which they had failed to pay. Later that day I received an email from them agreeing to the $295 reduction, resulting in new termination fee of $1,806.59. Now 13 days later, they have still not debited our account for that amount. In the meantime, they did debit our account $59.98 for miscellaneous charges for January, even when we were no longer processing with them. We would like them to run the termination charge immediately and stop charging us monthly fees.Desired Settlement: Termination of our account.

Business

Response:

we apologize for the delay, but it may take up to 30 days for the cancellation to take effect. I contacted the closure department and took out the 60.00 dollars you were charged for the time it took to close your account again we regret the delay and the inconvenience.

Consumer

Response:

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

Sincerely,

Review: My problems are this: When I originally changed to Red Payments, I was told, by Tom B[redacted], a Red Payments Representative, that I was under NO contract and that I could cancel at anytime with no fees. At anytime would mean regardless of business closure or not. When I went to close my account, I was told there was a fee involved. If I had known I was under a contract with closing fees, I never would have switched. My previous processor charged no fees for closing the merchant account. I knew I was going to be closing my business when I switched to Red Payments, I just wasn't sure when it would be. I requested a copy of my signed contract be emailed to me to verify this, but my request was ignored.

Also, I have an issue with the PCI compliance assessment fee that I was charged in July 2015. I knew at that point my business was closing. I contacted Tom B[redacted], my Red Payments Representative, about this in July. I have a voicemail from Tom B[redacted] on 7/**/15 stating that my account would be credited back the $149.99. This credit has never been issued.

Another issue with Red Payments at this point is the terrible customer service. I received numerous calls, voicemails, and a couple emails from Krystal Figueroa. When I returned her call on 7/**/15 and spoke with her, I explained that the business was closing. I also explained that I had been told I would receive a refund for the PCI fee. Krystal told me she needed to speak with her supervisor and that she would contact me the following Monday Aug. [redacted]. I have yet to hear from her. I have also been spoken to rudely & received rude emails by the so called Director of Client Services, Farah M[redacted].

I was upfront and honest when I switched to Red Payments about my business closing. I feel as if Red Payments has not been upfront & honest with me. I had NO idea I was in a "contract". I was told I would be refunded the PCI fee, which hasnt happened, and the customer service leaves a lot to be desired.Desired Settlement: I have since closed my account with Red Payments. The issue of the PCI compliance fee was never addressed & I was never refunded my money, although I have a voicemail stating that I would be refunded. I also never received a copy of my signed agreement which explained my closing fee that I wasn't even aware of. I would like my fee of $149.99 refunded as promised via voicemail on July **,2015. I would also like a copy of my signed agreement emailed to me since my request for that was ignored on numerous occasions.

Business

Response:

Good morning When you spoke with Tom in July you failed to mention to him that you would be BREACHING your contract with us and closing your account. We closed your account with NO FEES because you closed your business, and we stated if you send us the paperwork we will go ahead and just close the account.We also stated that if your have any written documentation that states that you have no contract we will honor that as well PCI compliance is something that is a responsibility of every merchant that accepts credit cardsits not a made up charge and it is necessary. at this time we will not be refunding you the PCI compliance fee

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

How can I be in breech of a contract that I wasn't aware of? Tom B[redacted] was fully aware that my business was closing. I had told Tom B[redacted] when I switched to Red Payments in January that my business was going to be closing soon. He verbally told me I was NOT under contract and could cancel AT ANY TIME. Did I make him write it down? No. Why? Because I had been doing business with Tom B[redacted] for over 8 years and trusted him. Obviously my mistake! When I spoke with Tom B[redacted] in July, I explained to him that my business was closing at the end of September, which was why I did not feel I needed to pay the PCI compliance fee. Tom verbally told me in a voicemail that I would be reimbursed the PCI compliance fee. I still have it saved on my phone. Tom knew my business was closing when he inquired with Red Payments about the reimbursement of the PCI compliance fee. Tom agreed that I should not be charged the PCI fee. In the voicemail from Tom B[redacted], dated July [redacted], that I still have saved, he states I would be reimbursed the fee and also refers to Red Payments as "a bunch of knuckleheads". That, by far, is the most honest statement I have heard from anyone associated with Red Payments at this point.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I never received a check from Red Payments nor have I received any type of correspondence from Red Payments concerning the refund of 149.00. Feel free to deposit into my account. Once the refund is received, I will resolve this complaint.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Please check your bank account we sent you an ach for the 149.99 it should be in your bank account today

Review: We selected this company as our credit card processor in April of this year. Over 1 week ago we processed about $30,000.00 in credit card charges from [redacted] in Detroit. The following day we received a request from the processors fraud department asking for copies of all invoices comprising the charges. We sent them within the hour. We still do not have our money. All charges processed were for items we sold to Pepsi. We have been accepting credit cards for many, many years and have never experienced anything like this. It is impossible to speak with any at Red Payments for an explanation of their actions. We are currently looking for a new processor. We now have 5 more transaction without money to our bank. This company appears to be a total scam.Desired Settlement: Get our money transferred to our bank account.

Business

Response:

good morning We do not hold your money We are the sales office and we are working with you to get you your money You are not on next day funding due to your average ticket Your funds were not on hold there was just a risk verification for YOUR protection we apologize that it has taken longer then you or we had expected but I asure you if not today then tomorrow your funds will be in your accountWe just contacted the risk department at the bank to verify Please always feel free to contact us at [redacted]

Review: Red payment sales representative told me there is no monthly fee, contract or other unauthorized fee will charge. I also received an email about confirming that should Red Payments be at fault in any way, I may remove myself from our 36 month agreement without any cost or penalty to I or my business from Red Payment National Sales Manager.

First month, everthing is ok. The second month, $25.00 monthly fee (unauthorized charge) add on. The third month, $25.00 monthly fee (unauthorized charge) plus $150.00 PCI fee (unauthorized charge) add on.

I have called Red payment sales representative and Red payment customer service so many time but the problem never been fixed. Also, Red payment customer service manager hand up my phone because she did not want to talk about it. She claimed it is the problem about sales representative and she is not friendly at all. Red payment Nation sales manager told me he will take care of this issue but never did.

From Last week, I called the Red payment sales representative to cancel this service but he never responds. I even emailed and called Red Payments [redacted] at ###-###-#### and [redacted] but he never reponds.Desired Settlement: Refund unauthorized charge and cancel service.

Business

Response:

Good morning We apologize your experience with Red Payments was not up to your standards. We see that your signed Volume and your real Volume is a lot different. according to your price analysis, you would see all the savings only when your processing your full signed volume. As I see the manager had told you, that when you are processing the signed volume we can do something about the reimbursement. It was also stated that, if you had the agreement that you made with the sales rep about the no contract in writing, that we would gladly honor it. Nothing was presented to us. The cancellation fee would have been 650.00. Since your experience wasn't what we would like it to be we can close you with out a cancellation fee. All of our charges are on your terms and conditions, which you signed that you agree to and understand them. We can gladly send them over to you as well, if you like. We are waiting to hear back from your in order to process the cancellation in a timely fashion.Again I apologize on behalf of everyone in red payments.

Review: A salesman knocked on my door to sell me credit card processing. dealing with this salesman, [redacted], I was promised a 2% total from the cost of the sales. that never showed to be true. when initially I was concerned about him coming threw, the [redacted] started calling me and rushing me towards signing the paperwork, didn't take my plea to wait a few days. he offered me a 60 day window to try it out and see for myself. After not seeing the rates as promised I cancelled the service before the 60 days. suddenly I saw a penalty withdraw-ed out of my account of $1177.53, which is unheard of in the industry too begin with. I want my money back. please help, my gas and electric bill was suppose to be paid from it. they called already to shut off service. I cant deal with this!Desired Settlement: to deposit the money they tookout from my cking account

Business

Response:

Good afternoon the merchant stated that they had a 60 day trail starting November **,2014....which we would have honored had the account been closed in that 60 day time frame He sent us the cancellation letter February *,2015 as you can see with the attached document Even though merchant WROTE January *,2015, if you look at the top where it states the fax transmissions it CLEARLY states February *,2015 which is well past their 60day mark Therefore he had breached his agreement with us and was charged a cancellation fee. At this time we regretfully deny the request for refund of the cancellation fees Thank you very much for your time on this matter [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have requested cancellation from the salesman on January [redacted] by text. ill attach a copy of the texting of that day with him, which clearly shows that they where well aware of it and ignored it!

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We reviewed all the information that you had presented to us and we will give you back the LD fees 1,177.53 Everything else we can not refund you because it was charged while your account was open with us prior to the cancellation letter, even if it was sent in January Please feel free to contact us at [redacted] My name is [redacted] and I will be glad to speak with you thank you very much and I apologize on behalf of Red Payments and myself

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved becausedue to the passover holiday I have limited access to be able to reply properly. I'll reply beginning of nextweek. Thank you for understanding

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I have processed my credit cards with Red Payments for 2 years. I recently had to sell my business due to an ill child. On April ** I saw that Red payments withdrew over $1500 from my checking account without my knowledge. The early termination fee is $400 so I have no idea where they came up with this $1500+. When I signed up with Red Payments I was told I was on a month to month contract not a 3 year contract. I don't feel I should have to pay them anything but at this point I think I would be happier paying the $400 early termination fee than this $1500+. I find this to be a very unprofessional way of running a business and would not recommend this company to anyone.Desired Settlement: I would like all or part of my money back.

Business

Response:

Good morning Merchant had full knowledge of the charge for the cancellation fee in the amount of 1500.00 dollars Merchant was speaking with our client support specialist between the dates of March [redacted] to March [redacted] Merchant stated that they are selling their business and we told them that we will give them 30 percent off their FULL cancellation fee and their new fee was 1500.00. We have all emails between us and the merchant and all documentation where it states that they have an LD fee; which is our cancellation fee. Every merchant has a different cancellation fee and the only time we charge 395.00 cancellation fee is if we can not beat or match a competitors rates. [redacted]'s original cancellation Fee was 2700.00 Dollars It was stated to the merchant on March [redacted]. we have the communication between us and the merchant Unfortunately at this time we will not be issuing the merchant a refund.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

First of all, I did not have full knowledge of the cancellation fee the entire 2 years I was with Red Payments. There is no where in the contract that states a certain fee. I was told about the fee when I called about cancelling I never told them to cancel my account; at the time I was inquiring about it so they did take the funds without my knowledge. Secondly, there was no email to me stating the cancellation fee as the stated in there reply.And thirdly, charging someone $395 to leave the company for a competitor and then charging someone 4 times that amount for closing their business is absolutely ridiculous. Just because I didn't go out and find a new processing company I should not be penalized. I still have no idea where they came up with $2700 as the cancellation fee. Why couldn't I pay out my contract at the monthly fee? That would be much less.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved I don't think you understand my compliant. When I originally signed up with Red Payments I was told that I was on a month to month installment plan and that I was not in a contract. So I was shocked to find out that I was charged $1500. I have recently talked to the sales person that set me up with Red Payments and she agrees that I should not be charged this fee. I was not confused about the fee of $400; I only thought that would be a more fair amount of money being that I thought I was not in contract. Would you consider letting me pay out the minimum processing fee of $25 plus the statement fee of $10 for the remainder of the contract?Could I please get an itemized invoice for exactly what is included in the $1500 fee.I feel that I was falsely informed when I signed up with Red Payments and that you should do something more that a 30% discount on a fee that I was told did not exist.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

please contact me here at red payments [redacted]my name is [redacted] I would like to sort all this out for you

Review: I signed a contract with Red Payments, LLC in December of 2013. There was no provision for a mandated PCI Compliance fee in the paperwork of the contract I signed. I was told the annual PCI Compliance fee was $39.50 and the PCI Non-Compliant fee was $150. I completed the PCI form in 2015 and was told that the fee is $150 regardless of whether to compliance questionaire had been prepared and was in a "link". This was not explained and my service broker has told me that this happened to several of his clients and he has disassociated himself from Red Payments. I have a three year contract which looks like they can change anything they want at this point. The customer service department is no help.Desired Settlement: Date Sent: 7/*/2015 11:43:17 AMI would like to have my credit card service fee for the month of July reduced by $150.00 and the correct PCI Compliance fee of $39.50 charged to my company. My merchant number is [redacted].

Business

Response:

Good afternoon We are sorry you feel that Red Payments is not helping you According to our call logs and records we did explain this fee to you last July 2014 You were charged this fee on your July 2014 Statement we can do a 1 time courtesy and refund you half of this years fee, but this is something that is apart of visa and MasterCard compliance and is also in your terms and conditions which you can find at [redacted] this is an annual fee and it will be on your statement around this time next year too we do not know where the 39.50 comes from because that is not even our cost for PCI compliance If you would like half the refund we will gladly give it to you as a one time courtesy

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. I would like to add that I will terminate my business relationship with Red Payments upon completion of the contract period. And because I have access to multiple business clients that use credit card machine processing services I will alert them to this adverse business practice.

Sincerely,

Review: Took out "$1995.86" out of my bank account without any notice, also I checked my Agreement that I signed to, didn't mention "$1995.86" any where.

I've contacted them several times, their representatives are all aware of this situation and does not want to answer their phone.

honestly, all I wanted was talk to them about my rates to be little bit lower that what it is now. and just because I haven't use their

card machine, they can not just charge me "$1995.86" without any notice and I never mentioned that I wanted to cancel the contract with them.Desired Settlement: I want my "$1995.86" back to my bank account also, want to have my contract back with "Red Payments"

Business

Response:

Merchant Called June **,2014 to tell us that he will no longer be using our services

I [redacted] advised the merchant that there will be a cancellation fee for canceling this account

I tried to retain this account and offered the merchant to lower rates as well as a personal retention personal with a direct number. The merchant hung up the phone.

We monitored his account and we noticed he stopped processing; so we tried to retain this account for the 30 days they were inactive and charged him Liquidating

Damages fee of 1995.00

Which was due to us; he signed the contract, he signed that he read the terms and conditions which clearly state that the processing bank has the right to terminate

the account if it has not processed for 30+ days

Our phone calls are all recorded and we do have a recording of the merchant verifying the account and stating that they wanted it closed

If the merchant wants to come back to process we will gladly return all of the 1995.00

But if he chooses not to, then we are entitled to our LD fees

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

According to pdf files which [redacted] have sent me, states that For Cause. Bank may terminate this Agreement in its sole discretion, effective immediately, upon written or verbal notice, or by closing Merchant’s point-of-sale terminal, if Bank reasonably determines that any of the following conditions exists.

However, they failed to give me verbal or written notice, and those conditions doesn't state anything about inactivity for 30 days will lead to automatic closing.

[redacted] also mentioned that I hung up with her, and reason for that action is, she had hard time understanding my accent and her manner was rude.

I called [redacted] on July *,2014 and [redacted] on July **, 2014 after I spoke with [redacted] for help with closing. But as soon as I realized the Early Termination Fee, I soon backed out and asked about Monthly Minimum charge, for my account is expiring on 11/*/2014 and I was getting ready to give 60 day notice, for it was written on the contract.

It is against the contract that she just closed it without properly notifying me and I want my money back

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

At this time, I have not been contacted by Red Payments LLC regarding complaint ID [redacted].

Sincerely,

Business

Response:

On behalf of Red Payments LLC, I would like to respond to Complaint ID # [redacted] and assist in closing this matter.

Client contacted Red Payments to close their merchant payment processing account prior to the end of their contract period, despite multiple good faith efforts by Red Payments to reduce transaction charges and processing charges to accommodate the client. When advised that termination prior to the end of the contract term would constitute a breach of contract, the customer was informed of the liquidated damages fee / cancellation fee in the amount of $1,995.86. We have a copy of the recording with the customer and will share with Revdex.com staff, upon request.

The customer did not operate his payment processing system the following month, in breach of his obligations under the Agreement, and Red Payments exercised its right to terminate the Agreement and assessed the fully disclosed cancellation fee.

When the customer called to dispute the fee, Red Payments offered to waive the fee and reduce applicable rates if the customer chose to abide by its previously agreed-upon contractual obligations. The customer did not take any further action, but initiated a complaint with Revdex.com to dispute the charges.

Red Payments has been responsive to the client and the Revdex.com throughout this process and has stated on multiple occasions that it will agree to refund the cancellation fee and further reduce transaction processing charges if the client decides to renew its business relationship with Red Payments.

On October *, 2014, the client contacted Red Payments to request the above described documentation to renew its business relationship with Red Payments for payment processing and the documentation was promptly sent to the client for review and execution.

Red Payments has not heard back from the client and seeks to close this matter.

Please let me know if any further information is necessary. We look forward to the opportunity to continue to work with the Revdex.com to attempt to resolve all outstanding customer complaints promptly.

Review: We keep asking to be put on your do not call list. You have called our company 9 times in one day before. When asking the representative who calls you your business name, their name, or for the manager they hang up on you.Desired Settlement: Please stop calling.

Business

Response:

Dear Merchant,

We apologize for you receiving multiple calls. We have now removed your contact information from our system and you will not receive any further calls.

Thank you for bringing out attention to this matter.

-[redacted] Red Payments

Consumer

Response:

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

Sincerely,

This company is very helpful. I had absolutley no intention on changing my merchant services until I was confronted with all the savings I qualify for. The sales rep treated me like a human and not an account. I see Why they have an A rating. Not only am I saving on my processing, I have a company that actually has my businesses best interest in mind.

I have never dealt with a company with such poor customer service. Phone calls and emails go unanswered, phone messages are not returned, they do not notify you if your rep is let go or to let you know who your new rep is, and processing issues are a constant problem.

Review: Sales person said no contract no leasing agreement trial offer. After trial offer completion product didnt meet our expectations. Upon sending back we where charged a cancellation fee as if we where in a contract.

The sales person claimed to be with a company that im familiar with ([redacted]). However after meeting with the sales person. I discovered that he was with Red paymentsDesired Settlement: I would like a refund inthe amount of the cancellation fee. (972.00) plus 80.00 for the rental of property. Plus 900.00 in man hours.

Business

Response:

Sir we can speak about the cancellation fee but the 900.00 in man hours , I apologize but we will not be refunding you that. When we spoke, we spoke about the lease and that was cancelled for you with out question. You are not responsible for that. Also when we spoke, we asked for you to send us anything that you have in writing stating that the account was on a trail. Please give us till monday afternoon and call into our offices, we will speak with the sales rep and all of our managers and see what we can do for you