United Payment Services, Inc.

Complaint:
I am rejecting this response because:
Try a simple google search and you will find dozens (if not hundreds) of issues just like mine This is not isolated and it is not uncommon Thankfully it's harder to hide with the transparency of the internet I am hoping this report will help others avoid the same mistake I made The right thing to do would be to cancel my account and not charge the termination fee (as was agreed by my sales person).
Regards,
R*** ***

Complaint:
I am rejecting this response because:
Yesterday, I called United Payment Services and asked about the money taken out of my bank account They told me that it was not them who took my money and told me to call another company called EMPS/ First DataI called them this morning, and they told me that they do not have my account on record
In researching further, they told me that all accounts are opened under United Payment Services and there are red flags on my accounts stating that they are not allowed to talk to me and suggested that I need to talk to United Payment ServicesIt seems like United Payment Services opened accounts instead of and discreetly stole my money from my bank accounts every monthI asked for refund and they refused and told me that they are not the one who took my money out of my bank accountsThey are lying They have been excessively and wrongfully taken money out of my account They are trying to mislead me to think that another company is taking my money but in reality United Payment Services is the one who took my money
Please help meThank you very much
Regards,
E*** ***

Complaint:
I am rejecting this response because:
If doing the right thing
is outside the scope of your contract then I want everyone considering doing business with you to know this I want them to know that you cannot be trusted Trust involves doing the right thing even when your contract might say otherwise I speak from experience.I have clients who ask me to refund fees that technically I don't have to I could pull the same nonsense and tell them to go read their contract Well, as we all know, contracts are completely one sided to protect us (the business) from litigation But some of us forget that just because the contract gives us the right to screw everyone doesn't make it right If you want to be a trusted business you must always remember that your contract is there to protect you from unscrupulous customers - not as a means to take advantage of everyone Contracts are not there to prevent us from doing the right thing!
And I don't appreciate a response that denies the issue of salespeople making promises and then suddenly disappearing That's garbage too Take some responsibility for your employees/contractors Don't hide behind a contract If someone on your team says something that they shouldn't have said, own it Take responsibility for it Yeah, it may cost a little, but it's the right thing to do Live with integrity
Regards,
R*** ***

Complaint:
I am rejecting this response because:
I sent the
condition to the rep on Apr 30, at 12:PM and she replied on Thu, Apr 30, at 12:PM with "Thank you for the updateI know you will be very happy with our service and I look forward to assisting you with all of your processing needs! Please make sure that the bottom right corner of each page is initialed as well as signatures on all pages where indicated."
never did she say that there was no trail period and I would assume that she then agreed to the condition since she sent me the paperwork which I signed on 5/10/at 4:36:PM as per all the date stamps on all of the e-documents
Regards,
D*** ***

In response to the recent complaint from E[redacted] Hyun-this merchant signed up for service with United Payment Services in August of 2014.  The representative never told the merchant that her current account would be terminated if she didn't sign up or switch to our company.  Once she...

signed up for service with United Payment Services, she was advised to contact her previous processor to obtain account closure procedures.  If the merchant never contacted her previous processor to close and stop the billing, they would continue to bill monthly fees to her bank account.  E[redacted] would have been seeing a debit to her bank account each month since August of 2014 but never called until now to find out what it was for.  We received a call from E[redacted] in January 2016 to close out the account with United Payment Services.  Her account was closed with United Payment Services and the billing was stopped as of January 6, 2016. We received a call yesterday from E[redacted] asking why we were still billing her.  At that time, we advised her that United Payment Services wasn't billing her and the debit she sees is most likely from her previous processor.   Due to this, United Payment Services will not refund any fees billed from another company.

We are rejecting this complaint due to inaccuate allegations and having written and signed confirmation of all terms and conditions.

In response
to the recent complaint from Tourino Jacks:
"Arial","sans-serif"; font-size: 11pt;">1. 
LEVY-the State of Massachusetts had placed a hold on the account for IRS/State
Tax Levy.  Unfortunately whenever this does happen, any funds/fees owed is
out of our control and can only be resolved between the merchant and the
state.  We had advised this to Tourino on several occasions, explained we
can't do anything to resolve the issue for him or refund any Levy Fees. 
2. 
Customers Information Email Issue-there was a software issue with the merchants
processing gateway.  Per the processing gateway, at no point was any card
information emailed out, they tried to get in contact with Tourino back in
June 2015 to resolve.  Due to no response from Tourino, the case was
closed in July 2015. 
3. 
Fees-Tourino signed up for service back in May 2013.  All fees he's been
charged monthly are for the service he signed up for and agreed to when he
signed the application/agreement.  Merchants are notified via email, mail
and on their monthly statement if any changes or increases in fees will
occur.  A customer service telephone
number is also provided so merchants can call for further information.  We always advise merchants that they can contact
us at anytime if they have concerns with the statement fees. 
4. 
Cancellation/Penalty Fee-In regards to the account being cancelled in February,
there are no notes of Tourino contacting our office to close out the
account.  Today, a Customer Service Representative contacted Tourino
letting him know that we received his Revdex.com Complaint and advised him that we
never spoke to him about closing the merchant account.  We advised him to
send a signed cancellation request to close out the account and explained to
him once this is received, the account will be closed and the billing for
monthly fees would stop.  The account is not in contract, therefore will
not be charged an early termination fee.
5. 
Employee Complaint-Anytime Tourino contacted our office with any questions or
concerns, he was always assisted.  The
only time United Payment Services wasn’t able to assist Tourino was when he
needed to resolve the Levy with the state of Massachusetts and his processing
gateway.
Due to the
above, United Payment Services will not refund any fees.

Complaint: 11298264
I am rejecting this response because:It is untrue that fees and cancellation fees were disclosed at any time. During their sales and application process, the only fees which were disclosed were the actual percentage fees for processing transactions per transaction.  Furthermore, I did not use this businesses' services at any time, nor did I cancel an account; they simply took money from my bank account without my permission. And yes, they took funds under a different name so I was not able to block them through the bank. When I spoke with them last, they admitted that they took money under a different name. This company has a multitude of negative reviews and complaints for a good reason.
Regards,
K[redacted]

This is crazy. The merchant admits in the complaint that she agreed to a contract and to all fees.  We only charged what was agreed upon and obviously if she agreed to everything we disclosed everything. The $399 is for an early termination fee.We stand by our policy of full disclosure...

and that is what we did for this merchant.

Complaint: 11298264
I am rejecting this response because:This business did not disclose their fees and cancellation policy when they took my application. Any other company whom I have dealt with has made full disclosure before any contract was made. United Payment Services may state that they had a "signed" contract, however the terms were never made clear and their sales people were deceptive in stating only the percentage amounts for credit card charges, never the fees involved.Their "contract" is a 30+ page document, of  which I only received a copy when requested by mail.For example, I deal with ATT, and their telephone representative made it very clear that a one year contract was required. Completely acceptable, as long as it is up front.  Not only did United Payment Services not make fees and policies clear, they began taking money out of my account although I Never used their services, and took $499 out of my account although I Did Not cancel. When I called them, they said that they "might" refund the $499.00 if I provided them with a $100 "collection fee" and an $83.00 fee for something...I don't know what, plus a letter from my bank stating that I would continue to business with them.I don't imagine that a bank would ever certify such a thing. 
Regards,
[redacted]
U

I agreed to what was stated to me over the phone. I said I did not want to do business with them if there were any fees, I never received a contract and I never used their services until June 6th, called on the ninth because of a $59.44 bill received asked for correction and said contract never received any call backs called again on the 10th and was finally told that if I cancelled they would still charge me two months service fee (which is unfair since they did not provide any service). There were 2 charges made on the 6th to which no deposit has been made in the account they pulled their "cancellation fee"  I insist that this business be reviewed by legal action as you can see I am the first of many folks R[redacted] Eskin has made promises to fraudulently.
 CA Law:
(1) No real consent. If the buyer's consent to a contract was induced by the seller's fraud, or was given by mistake, or under duress, menace or undue influence, the buyer can rescind the contract (Civ. Code § 1689(b)).\
(4)  Failure of bargained exchange before being rendered . The buyer has a right to rescind a contract when the exchange which the buyer bargained to receive from the seller "fails in a material respect from any cause" before it is rendered to the buyer (Civ. Code § 1689(b)(4)).
(1)  Court's power to refuse to enforce. A court has the power to refuse to enforce a contract or a clause in a contract that is unconscionable when made (Civ. Code § 1670.5(a)) (2)  Evidence of context admissible. To enable the court to decide whether a contract or clause is unconscionable, the parties may present evidence of the setting, purpose and effect of the contract (Civ. Code § 1670.5(b)).
CONSUMER PROTECTION STATUTES Most states enacted consumer protection statutes during the mid-1960s through the mid- 1970s. Such statutes now exist in all fifty states. These statutes are aimed at preventing consumer deception and market abuse. Most consumer protection statutes prohibit unfair and deceptive advertising and sales practices. This prohibition was contained originally in a federal statute regulating interstate business practices, the Federal Trade Commission Act (“FTC” Act). While many states have adopted the general provisions of the FTC Act, the specific language of these laws varies from state to state. However, the basic concept and intent of these statutes are identical. They are intended to protect reasonable consumers from unethical and unscrupulous business practices. Consumer protection statutes apply to most consumer transactions in which goods, services, or property are offered for sale or lease. The primary intent underlying consumer protection statutes is to promote full and fair disclosure of important facts about a transaction. The idea is to give consumers all necessary information so that they can make wise shopping decisions. Sellers, therefore, should tell buyers everything that is important about a sale before the sale is consummated, including any terms and conditions to which the consumer later may be subject. The consumer protection laws thus tend to balance the often unequal bargaining position of consumer buyers and merchant sellers. In other words, better-informed consumers are less likely to be “taken” by a merchant. Consumer protection statutes generally are broad and flexible so that they can apply to numerous forms of unfair and deceptive schemes in all types of transactions. As such, they can provide an all-purpose remedy against abusive business practices regardless of the product or service or the nature of the advertisement, sale or promise. 
Complaint: 10669386
I am rejecting this response because:
Regards,
M[redacted]

The agreement you signed clearly states a $399 early termination fee.  This is standard with all of our merchants.  We have been in business since 1998 and have Never had a trial as you are stating

I am rejecting the rejection as the merchant actually stated he signed the agreement and agreed to fees. we offer refunds to merchants on a Daily basis when we did something wrong or feel it is the right thing to do. in your case we feel it is best to not offer a refund. for you to make generic global statements is outrageous and slanderous. we have over 10000 merchants and wouldn't have so many happy merchants without being practical, fair, and courteous. we tried our best with you and am sorry it did not work out

Review: My complaint is they put me in a contract and my rep told me it was a month to month Cause I told him I didn't want contract due to it was a new business and I didn't know how many setups I would do. Due to im on disability and have alot of health problems. I called back in April to the rep Chris Brown @1[redacted]1 and left a message asking for a call back because I was being charged 47.43 and I am not using it. Also emailed didn't get no response either way. Then charges went up to 73.44 for 3 months I have not used it. First time I called they told me I signed contract, when the rep told me it was month to month. When I was completing the application the contract box was checked I told him (rep) right then and there I didn't want it and questioned him, he said that the application I was filling out was there standard app. and he would change it when I completed my part. So I took his word then next I know I get a paper saying I owe.I called again today explaining again the situation I get told I have to pay 399.00 to cancel. I called Chris Brown's # today and it's not Chris Brown's # no more? It was not my fault the rep did not correct the paper work I'm on a fixed income and in March 2014 will be cut again I can't afford this, the same thing I told rep his reply sure I understand we will meet your needs. I have the email where I sent to him (rep) he did not reply I called no reply I have supporting info I can fwd to an email address.Desired Settlement: Refund of my money of 43.47 73.44 73.44 And close the contract with no early termination fee

Business

Response:

We are more then happy to honor month to month if merchant can provide emails showing she was told month to month. If she cannot provide any documentation proving this then we have to go by the signed contractual obligations

Review: When I talked to the rep I asked if there was any yearly contract that I was locked into. The rep named Rick said no. I then asked about cancelation fees and he said there wasn't anything like that with them. when I went to cancel the service in which I never even used for one transaction, I was then told I had to pay a $99.00 fee because I was in a one year agreement. I then asked to talk to a supervisor, I was told there are none. so I was put to customer service that is when they told me I was in a contract for 3 years and the cancelation fee is $399.00. I asked them to put me on a payment plain the lady said ok and I thought that was that. but the next day they had withdrew the full amount from my account with out any authorization from me to do so. so the bottom line is I was lied to from the start from it going from not being locked in a contract and no early cancelation fee, to being in for one year and cancelation fee of $99.00,then to a 3 year contract and $399.00 cancelation fee. the customer service lady also spoke to me and rick and she agreed that the stories did conflict and that Rick the rep was wrong, but I guess that doesn't matter. I feel the company is a scam and I'm not sure how they can get away with what they are doing.ThanksDesired Settlement: I want my $399.00 that they took from my account unauthorized. I also would like to get the $36.00 overdraft fee the bank hit me with because I didn't have that much money in the account, that is why I asked for a payment plain.Thanks

Business

Response:

This allegation is filled with inaccuracies. We would never quote 2 different early termination fees. Our early termination has been for years $399. We are authorized to debit the account for the early termination fee per the signed merchant application and agreement. All terms and conditions were clearly disclosed to this merchant and also in writing in the signed merchant agreement. All terms will be enforced

Review: I am writing to register a complaint with United Payment Services. When I originally contacted UPS about setting up an account I was put in contact with [redacted] about opening an account. John explained how the account worked and assured me that UPS had the lowest rates available. What John failed to mention was the monthly fees that I would be paying. Also, I was not informed that I was signing a 3 year contract - he never mentioned this. In fact, I found out that about the contract through another provider of credit card services - one with lower monthly fees (that were stated up front) and no contact. Today I discovered it is roughly 400.00 to get out of the contract; yet another fee not mentioned by John. Additionally when I decided to change my bank with UPS I was charged a fee for that, a fee that no one told me would occur. This bank change was request at the beginning of April via email with Sean in customer service. He did not let me know a fee would be applied. I am not happy with John or united payment services in this regard. In my opinion it is poor business to not mention significant fees and contracts. I contacted John when I heard about these fees and tried to express my discontent and he told me he would get back to me on a Monday and he never replied. I contacted him that Friday and he never replied back. Additionally my calls to customer service to inquiry about cancelling my account were handled about [redacted] and [redacted] I was not the least bit happy with the way they both handled my request for information about cancellation. I do not know how these customer services representatives are trained, but asking Why are you cancelling? is rude and pushing the issue is not very customer friendly. I feel like UPS has been very evasive in finding me someone to speak with who is a manager or supervisor, as I have not been able to. I am incredibly unhappy with this company, its outrageous monthly fees, and the lack of customer service this company provides.Desired Settlement: I'm cancelling my account with UPS & will be charged $399.99 for this cancellation. I would like a refund for this fee. I feel like this company, with their sly practices, have duped me out of far more money than this & for such a small business, this is a large sum of money. Had they been more upfront regarding their monthly fees & explained them fully, I would have never used this company. I pay this company more in fees than I get in sales using credit cards because I use them so little.

Business

Response:

All rates and fees are clearly disclosed on the signed application that this merchant read and signed. I also know that John and all sales reps disclose all rates and fees verbally. I am sorry that this merchant did not remember the phone conversation.

We strive for excellence in all departments and am sorry you feel we did not meet our goal.

All rates and fees were clearly disclosed and thus all signed contractual obligations will be enforced

Business

Response:

We are sorry you feel this way. We followed all standard procedures and did our best. We wish you the best in the future

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9724887, and find that this resolution is probably as good as it will get. Though not satisfied, I also know nothing will be done in my favor.

Regards,

Review: I called to get my small business set up with credit card services and the agent who help me told me that if I didn't like the service in a few months or in a yr I could cancel no problem. So after a few months I saw where I wan't making enough to keep the service but I knew I had to wait a yr to cancel, I waited and when I called to cancel I was told I was locked into a Three year contract and I couldn't cancel unless I paid Three hundred Ninety-nine dollars and returned the credit card machine. well I explained that if they checked there records they could see that I hadn't used the service in months but was still paying the monthly fee which added up to more than the canceling fee, but she insisted, that was to bad and unless I pay the cancellation, she would not allow it and take legal action if I closed the bank acct that was used to collect there fee. I asked to speak to some one else and was told no other person is going to say anything different and unless I pay the fee there is nothing else to be said to .Desired Settlement: I want to cancel with the fee being waved because now I have paid more than the cancellation fee and I would gladly return the credit card machine and I don't want any negative results.after all I am a small business not a large company that can just be paying all the extra fees . Please help!!!!

Review: I contacted this company and spoke with R[redacted] needing CC processing for an art show, after charging $50 at an art show I received a bill for $59.44. When I spoke to R[redacted] I stated it would only be used for art shows, when they wanted me to sign a contract I noticed an annual fee and stated I did not want to pay any fees for the service, he stated if he waived all fees would I sign a year contract and I stated yes. After calling this company 16 times or more they finally stated to send them a cancellation email but I would have to pay for 2 months service. I state keep the $53 dollars in charges but I would pay no more no contract was either received by email or mail. They asked when I called if they wanted a contract and I stated yes but have yet to receive one. There were only one day of charges (2) run and they pulled $399.99 out of my bank account. I am unemployed and they have taken all cash from my account that was designated for bill paying. Please help!! They falsely advertised there services. I owned a business years back and never paid any fees to intuit other than the CC fees from monies processed these folks are running a scam! They also stated they had large business such as Walmart and they passing these great fees onto the public. I have the emails sent to them. I also have seen no deposit for CC run and it has been 10 days.Desired Settlement: They should at least keep their word that was given over the phone that I would be charges for two months service which would have been $119 but I would prefer that they returned the amount in full -- I am going to start a dispute with my bank but need assistance keeping these folks from stealing money from another unsuspecting person. They should be fined for all monies stolen with no services given. This should be illegal to charge for services not rendered.

Business

Response:

This is crazy. The merchant admits in the complaint that she agreed to a contract and to all fees. We only charged what was agreed upon and obviously if she agreed to everything we disclosed everything. The $399 is for an early termination fee.We stand by our policy of full disclosure and that is what we did for this merchant.

Consumer

Response:

I agreed to what was stated to me over the phone. I said I did not want to do business with them if there were any fees, I never received a contract and I never used their services until June 6th, called on the ninth because of a $59.44 bill received asked for correction and said contract never received any call backs called again on the 10th and was finally told that if I cancelled they would still charge me two months service fee (which is unfair since they did not provide any service). There were 2 charges made on the 6th to which no deposit has been made in the account they pulled their "cancellation fee" I insist that this business be reviewed by legal action as you can see I am the first of many folks R[redacted] Eskin has made promises to fraudulently. CA Law:

Review: I wanted to shop for a better deal with credit card processing company. United Payment Services said that they could deliver and I was In contact with a rep K##i G#####n. I asked for a trail period to see who is better and she agreed. (Only later I found out that she purged the email from the conversation on her end). After a time I wanted to quit United Payment Services and they told me that I was under a 3 year contract and would need to pay $399.00 to leave. I told the customer service agent that I had a 6 month trail and they denied it. After sending them a copy of the email with a time stamp on it they didn't want to listen and took the $399 from my bank account.Desired Settlement: I would like to get the $399 back

Business

Response:

The agreement you signed clearly states a $399 early termination fee. This is standard with all of our merchants. We have been in business since 1998 and have Never had a trial as you are stating

Consumer

Response:

Review: 10785180

I am rejecting this response because:

I sent the condition to the rep on Apr 30, 2015 at 12:36 PM and she replied on Thu, Apr 30, 2015 at 12:41 PM with "Thank you for the update. I know you will be very happy with our service and I look forward to assisting you with all of your processing needs! Please make sure that the bottom right corner of each page is initialed as well as signatures on all pages where indicated."

Review: I obtained a credit card machine from United payment services. I was told there would be aSeven dollar and fifty cents access fee each month and a transaction fee for each transaction only. Then they billed me a 50.00 monthly service charge .When I called Rick to discuss this matter all I received was double talk United did not live up to the agreement, and then Rick told me the reason he didn't tell me there was a monthly fee if there were no sales because he didn't want to jinx my new business, also I asked him prior to the agreement I called several times before doing anything I asked many times is there a monthly fee and he said no monthly fee , just a 7.50 access fee so I returned the credit card machine to them. United is billing me for 150.00 for 3 months. I refused to pay because that was not the agreement. Rick from United gave me the wrong information just to enroll me as a customer and there customer service is very arrogant they deliberately mislead people, also I found over 1.6 million complaints online of how this company says one thing and then does something else. All the complaints are for the same problem BEING MISLEAD by united payment servicesDesired Settlement: Remove from my credit report to show there is nothing due to United from John Marino/ C and J Powersports. Please Acknowledge. Thank You