TransFirst

Complaint: [redacted]
I am rejecting this response because:[redacted] called me. he assured me that the $49.00 would be returned to me as well as $93.89.and when my next statement came in I could contact him and he would return that amount to me also.he sent me a fedex return slip to send back the device, which I have returned and he assured me that my account would be closed once they received it.
Sincerely
[redacted]

Initial Business Response /* (1000, 5, 2015/09/11) */
Dear Sir/Madam ~
In response to information related to case # XXXXXXXX with regard to [redacted] principal [redacted], TransFirst offers the following information.
The account was newly boarded with TransFirst to accept credit...

card payments. In our effort to validate the business and funds being processed, we attempted to contact [redacted] on Friday, 8/28/15.
There was no voicemail option available. Within 48 business hours, TransFirst attempted again to contact [redacted], but was unsuccessful. A letter was sent to follow up.
On 9/2/2015, [redacted] contacted TransFirst [redacted] and was asked for additional information to validate the business and transactions. The interaction became confrontational and the call was ended.
[redacted] was contacted by a member of [redacted] team later this same morning, 9/2/2015. The business was explained and the transactions validated. The funds totaling $2,000.00 were released same day 9/2/2015.
We regret the experience that [redacted] initially had with our company and anticipate to have a mutually beneficial partnership ongoing.
TransFirst, Inc. is committed to abide by Revdex.com accreditation standards which include a commitment to make a good faith effort to resolve consumer complaints or concerns. However, we also have a responsibility to ensure that we are processing card activity properly and in accordance with card association guidelines.
Thank you,
[redacted]
Director ~ [redacted]
XXX-XXX-XXXX
Fax XXX-XXX-XXXX
Initial Consumer Rebuttal /* (4200, 11, 2015/10/26) */
This company processedmy sales and refuses to release funds holding my clients and I responsible while they have the money.
I have been using this company to process my sales. I have had to filed previous complaints as they process the sales and never send you the your money. I have clients and employees who are suffering. They claim they need additional record which I have no problem providing and have but they won't tell me how to send them the record and instead say the account is in hold because we did too much business. I have my proof or documentation of them formally asking for records or a reason. There are $3000 worth of funds currently being held and no one from Transfirst will answer or contact me. I' have all my records and documentation. This isn't the first time and I have contact my lawyers and this is now my second complaint.
Please help.
[redacted]
[redacted] sports LLC
XXX-XXX-XXXX
I would like my money released is all. I also like to be refunded the fees they took for processing but at this point just want my money and to walk away.
Final Business Response /* (4000, 16, 2015/11/18) */
In response to rebuttal 10/26/15 requesting release of funds. There are currently no funds retained with TransFirst, Inc.
Merchant processed (6) credits/refunds on 10/23/15 to offset the (6) sales that totaled $2,954.00. The account is currently closed.

I want to keep this complaint active, [redacted], the company transfirst, stole 99 dollars from my account for the annual fee and this is after they cancelled my account. Now they say they are returning my money on July 26, 2017. This is a crooked bank and must be investigated.

TransFirst LLC [redacted]
[redacted]  [redacted]Re:     Revdex.com Case #[redacted] – Complaint Filed by dba MOTO4US – [redacted], Owner           Our business client [redacted] (Merchant) has...

initiated this complaint after receiving a chargeback in a dispute with one of his customers as part of TransFirst providing credit card processing services for his business.  The Merchant’s claims in this complaint are inaccurate as his customer has the funds for this transaction – we do not.  In fact the Merchant still owes us monies to cover his customer’s chargeback which he agreed to do as stated in the Merchant Processing Agreement he signed with us.  He deliberately blocked the funding of the chargeback.  The Merchant has also refused to allow the return of the motorcycle so his customer has both – the funds from the chargeback and the motorcycle. We have contacted [redacted] to confirm the details of his customer’s chargeback and to explain the Visa rules that would cover this ongoing dispute.  We are recommending that the Merchant contact his customer and make arrangements to retrieve the motorcycle.  We’ve reviewed with Merchant that while the sale document signed by his customer states “SOLD AS IS”, it does not disclose terms anywhere that “All Sales Are Final” or “No Refunds” so there is no compelling reason for Visa to support the Merchant in this case.  We have received signed authorization from the Merchant to continue this dispute with the Visa Arbitration committee, but have cautioned him that under Visa rules his customer would very likely win and he would incur fees of $100 and additional fines/penalties of $400-$700 if he lost.  In our conversations, [redacted] has asked us to hold and not move forward with Visa Arbitration until further notice.   In addition to non-disclosure of terms stated previously, his customer raises an issue of a mileage discrepancy where there are more miles on the title the Merchant received when he bought the motorcycle at auction than what was later on the odometer at the time of sale to his customer. Additionally, printed on that same title are notes – “Exceeds Mech Limits, Salvage – Non Rem” whereby his customer states the motorcycle cannot be licensed for street use in his state.  His customer indicates he has attempted to contact the Merchant to return the motorcycle and still has it available for pick-up by Merchant. We appreciate that the dispute [redacted] has with his customer is frustrating, but must reiterate that his only recourse is to retrieve the motorcycle AND that he must fulfill his obligations to cover the underlying chargeback and pay what is due to TransFirst.  He must maintain an adequate balance in his designated bank account to cover all obligations incurred for processing card transactions under his Merchant Processing Agreement. He should contact us to make arrangements to bring his account current.  We can be reached at [redacted], option 1, 3, then ext 3009 for Collections or ext 3011 for Chargebacks. Please feel free to call us if there are any further questions regarding card acceptance and card dispute processing for this Merchant account.  [redacted]Operations Manager

Hello Mr.   [redacted], I am writing in reference to the Revdex.com Customer Dispute  that you submitted regarding our Meet or Beat promotion through [redacted].     First off, let me apologize for the length of time that it has taken for us to resolve this for you and the...

effort that you had to put forth to receive that $500.00 offer.   The sales person that you had been working with [redacted],  resigned around the same time and this issue had not been escalated to Management for us to resolve. I will be sending you a gift card in the amount of $500.00  to the address that you provided in your letter. (attached)  If you could please confirm back to me via e-mail that this is correct, I would feel more comfortable processing the card order.    After you receive your gift card, if you would please let the Revdex.com know that this issue has been resolved, I would greatly appreciate it.   At TransFirst, our reputation is everything to us and we work hard at keeping out A+ Revdex.com rating and providing World Class Customer Service to our clients. Again, I sincerely apologize for the frustration this has caused you and I do hope that you will consider us again for your Merchant Processing needs. Regards, [redacted]

Initial Business Response /* (1000, 5, 2015/11/02) */
Dear Mr. [redacted],
I wanted to start by apologizing for the poor experience you have had with TransFirst Merchant Services. We have reviewed your account and acknowledge there was opportunity for consideration during the time of closing.
Due...

to the communication that the lease could be canceled at any time we have submitted a request to First Data Global Leasing to cancel the lease. This process does take some time to initiate you may see one additional lease payment removed from the checking account on file with First Data Leasing, but once the full cancelation is completed you will receive a refund for the lease payments paid.
The account has been closed as of 10/22/2015 therefore you will not see any other fees or charges to the account.
Again, we sincerely apologize for the poor experience you have had with us.

Initial Business Response /* (1000, 5, 2015/06/15) */
We reviewed Revdex.com complaint #XXXXXXXX. TransFirst would have to respectfully disagree with [redacted] called in to our training team in January 2013 to advise he did not want to do training on the [redacted] and he...

would train at a different time. [redacted] stated in his complaint he "would like to have something just in case" and "inquired about a card swiper for a phone or pad because some clients who came here do have a credit card to swipe". [redacted] did not raise a dispute on the terminal lease until the end of October, 8 months later. During this time [redacted] called in to advise he was shopping as he wanted us to review the rates on a competitor's offer; which TransFirst advised we were beating the competitor's rates. [redacted] processed his last transaction on March 24, 2014. TransFirst did not receive any calls from [redacted] until August 2014 when he wanted to close his account because he switched to a new processor. According to the terms with the [redacted]'s Early Termination Fee would have been waived if he called TransFirst and provided a closure reason prior to leaving TransFirst.
However, given [redacted]'s situation and request, as good faith, we will be refunding the Early Termination Fee of $500. [redacted] will be receiving this refund back to his bank account we have on file within 3-5 business days.

Initial Business Response /[redacted]/
Please see attached.
Initial Consumer Rebuttal /[redacted]/
(The consumer indicated he/she DID NOT accept the response from the business.)
All that you have said in your response is what I already know: There is a lease...

filled out in my name with [redacted] a lease that was facilitated through Transfirst. My COMPLAINT is that Transfirst told me nothing about the lease when I signed up, and that even though I SPECIFICALLY told the representative I wanted to purchase the equipment, they signed me up for a lease instead. You have provided an electronically signed document. It could have been signed by anybody. But for the sake of argument lets say I signed it. Would it be a [redacted] move ot sign something without reading all of it? Yes. But that would not change the fact that the representative from your company told me I was buying the equipment when in fact they knew I would be leasing it. It does not change the fact that they LIED, and therefore Transfirst LIED. In your response you gave me the number to [redacted] I know the number. What I want is for TRansfirst to take care of the lease for me. This is a problem Transfirst created by a lie and I expect Transfirst fix it by contacting [redacted] and convincing them to cancel lease without penalty. If Transfirst does not do this, I will take Transfirst to Small Claims court here in [redacted] which will cost Transfirst more time and money than it would for them to fix this. In closing,if you think my claims unfounded and that it is unlikely I was lied to by one of your reps, just give the topic a quick google to find horror stories (google "transfirst lied about lease"): https://www.cardpaymentoptions.com/credit-card-processors/transfirst/ (read the comments below especially)
[redacted]
[redacted]
Finally, if the Revdex.com considers this a good faith effort at solving the complaint that will cause me to lose alot of respect for the Revdex.com. Passing [redacted] buck and denying all wrong is not a good faith effort.
Final Business Response /[redacted]/
Dear [redacted],
I wanted to thank you for taking the time to speak with me to work towards a resolution with your lease complications.
Issue Resolution Steps:
We spoke with [redacted] together on June 04, 2015 and discussed the requirements for cancellation. Their agent advised the buyout amount would be $801.70 whether the terminal was kept or returned.
Since the buyout was not a plausible option, TransFirst and [redacted] have agreed to send an [redacted] machine at no cost to [redacted]. This option still keeps the lease open and would require [redacted] to make active payments for the remainder of the lease.
We also made [redacted] aware that TransFirst no longer owns this lease but is owned by [redacted] and further inquiries about a lease buyout would need to go through them.
Thank you again for accepting our attempt to correct a misunderstanding. If you have any questions or concerns, please do not hesitate to call me at XXX-XXX-XXXX.
[redacted]
[redacted] of [redacted]
TransFirst, LLC
XXXXX [redacted]
[redacted] XXXXX
Final Consumer Response /[redacted]/
(The consumer indicated he/she ACCEPTED the response from the business.)
Transfirst went above and beyond to satisfy complaint. I would recommend doing away with equipment leases, as they are a horrible deal for consumer.

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

Mr. [redacted],   Thank you for providing your positive outcome with the Revdex.com. We do need one final verification from you to close  your 2nd account.  For security purposes we need to perform a standard piece of verification. I apologize for the inconvenience, but if you could please contact us at [redacted] it will just take a moment to get this complete. Any agent at that number can assist, and finalize the closure.

Complaint: [redacted]
Thanks for your response. When should I expect the credit to post to my account? I have been waiting for several months at this point.
Sincerely,
[redacted]

Dear [redacted] and [redacted],   Thank you so much for the opportunity to speak with you and address your recent complaint.  I appreciated your time on the phone and I definitely understand your frustration.  Following is the detail as requested regarding your merchant account with our...

company:   During the last week of January, 2015, we mailed you a 1099K with “[redacted]” listed as the legal business name using the Tax ID Number ending in [redacted].    August 2016 , we mailed you a TIN reminder  (Tax Identification Number).  During the first week of November, 2016 instructions were sent on what steps to take to avoid Back-up Withholding as required by the Federal Government.  I’ve attached both documents for reference.  Both documents were mailed to [redacted] at [redacted].    We understand that you are frustrated and we do apologize that you received inconsistent information regarding your funds being held when you contacted our company.  This isn’t up to our standards and for this we apologize.    As an Acquirer/Credit Card Processor, we are required by the federal government to report gross credit card sales by Federal Tax ID on an annual basis.  If your Tax ID that you submitted for your application with our company doesn’t match what is on file with the [redacted], we receive a “mismatch” notification.  The [redacted] unfortunately does not tell us what is inaccurate, just that it does not validate or match their records.  [redacted] did submit an updated W-9 which did end up “matching” or validating what was on file with the [redacted] which stopped the withholding process.  In the interim, there was a withholding of your funds as required by the [redacted].  $644.88 has been withheld to date as required by the [redacted] including $507.55 for 2016 and $137.33 for 2017. Following are the specific amounts withheld so you can match this up with your records:     There aren’t any further withholdings scheduled as your Federal Tax ID has been validated.  This money can be recouped when you file your 2016 taxes. You will receive your 1099K form in the next couple of weeks.  The withholding amount will be in Box 4 in order for you to use this as a credit on your 2016 taxes.  This is a legal obligation and a mandate by the [redacted] which started in 2011.    As requested, following is the [redacted] communication regarding the required withholdings our company made.  This was published by the [redacted] on June 6, 2011 for Payments Subject to Backup Withholding in Payment Card and Third Party Network Transactions:   [redacted]   We sincerely apologize for any inconvenience and frustration this might have caused and appreciate the opportunity to address your complaint.  Please do not hesitate to reach out to us directly should you need further assistance.   Sincerely, [redacted]   [redacted]   [redacted]  
[redacted]

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

Initial Business Response /* (1000, 8, 2015/08/28) */
TransFirst has been able to confirm that we received a properly executed merchant agreement that supported the billing of the fees associated with the account. However, as good faith to the merchant, we have opted to close the account and issue...

a refund of $81.00. The originating sales representative has been in contact with the merchant and communicated this to them, which the merchant communicated they were satisfied. We believe this resolution should resolve all outstanding concerns.
Initial Consumer Rebuttal /* (3000, 10, 2015/08/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never communicated any satisfaction with your representatives. Last time I spoke with him he told I had ordered devices for an [redacted] I dont even own an [redacted]
The total charges were not refunded and the 35.00 bank fee caused because of your companies actions was not refunded so no, I do not accept this response and I would discourage any business owner I know from using your services.
Final Consumer Response /* (4200, 14, 2015/09/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Please resubmit the refund ammount. the bank blocked your last try because of the previous charges that I am disputing. you also did not include the 35.00 insufficent funds fee you caused me to incur as there was no money in the bank because the business had not even opened.
Final Business Response /* (4000, 16, 2015/09/21) */
TransFirst has resubmitted the refund amount to the merchant's bank as requested. In addition, although we did not receive verification of an insufficient fund fee, we have opted to refund the $35.00 in good faith. The merchant will see this as a separate deposit entry within their bank statement. We believe this will resolve all outstanding issues.