US Bankcard Service

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 9870728, and find that this resolution is satisfactory to me Although, I am not sure how this is possible since all contact has been with their customer service representative ( [redacted] ***) or at least that is what is says on all email that I have received thus far from him I will look into the matter fully, but if I discover this company is lying to me, then I will not only file another complaint but will seek legal advice I have attached a recent email from [redacted] to prove why I feel that my services were with United States Bankdcard Service Regards, [redacted]

The account number provided in this complaint is not a United States Bankcard Service account number

According to the account number provided, this business owner does not have an account with United States Bankcard Service. All of our account numbers begin with 878854...., while hers begins...

with 8788155. It appears what happened is that this merchant has spoken with our shared customer service outlet for her billing questions. However any inconsistencies with her billings and what she was expecting per her contract are a matter for the sales office that set up her account, not United States Bankcard Service. Please have the merchant refer to their original merchant application to determine what business setup their account (this is who her agreement is with), and she'll be able to determine the correct organization that can resolve this dispute.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 9870728, and find that this resolution is satisfactory to me.
Although, I am not sure how this is possible since all contact has been with their customer service representative ([redacted])  or at least that is what is says on all email that I have received thus far from him.  I will look into the matter fully, but if I discover this company is lying to me, then I will not only file another complaint but will seek legal advice.  I have attached a recent email from [redacted] to prove why I feel that my services were with United States Bankdcard Service.  
Regards,
[redacted]

The account number provided in this complaint is not a United States Bankcard Service account number.

Review: I signed up for the United States Bankcard (U-swipe) service at a trade show. At the time of signing I was informed the only charge for this service would be the transaction fee. There were no other charges associated with the U-swipe card service. I have never used the product nor have I ever received a billing statement. On January 5, 2015 I had an automatic charge on my checking account for $120.00. When I called I was informed that a letter was sent with my bank statement in August letting me know that in January I would be charged this amount. I was not given the reason for this charge. I also did not receive the bank statement they claimed to have sent me. I have NEVER received a statement from this company. I have two friends who signed up the same time I did and they have not had any correspondence from the US bankcard services either. I feel this is an unfair practice when they changed the rules and did not inform me of the changes. The only reason I was willing to try them was because of their claim of NO other service fees. I finally received my first statement January 8th, 2015 letting me know that there was a charge of $120.00 for services for 2014. I am not happy with this company and their fraudulent sales practices.Desired Settlement: I feel this company owes me a refund of $120.00 for the service fee they charged. Since I have never used their product, I don't feel this fee is warranted. To me they are crooks. I cannot believe they are permitted to access a fee with no fore warning to the customer. This is just not right.

Business

Response:

United States Bankcard Service has

established a long lasting and reputable foundation in the community and we

take 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.

On October 17, 2013, Karen [redacted]

entered into an agreement with Global Payments Direct and United States

Bankcard Service for merchant services provided to the business owned by Ms. [redacted].

At that time, the merchant agreed to our Card Services terms and conditions of

the merchant account per her signature on Page 3 of the Merchant Application.

This signature states that “A copy of the Card Services Terms and Conditions,

revision 05/12-USBS, has been provided to you. Please sign below to signify

that you have received a copy of the Card Services Terms and Conditions and

that you agree to all terms and conditions contained therein.”

Please refer to the Card Services

Terms and Conditions Section 18 Amendments and Section 22 Notices for specific

details on the fees that were incurred. In August 2014, notice was sent to the merchant

notifying her of the increase of various charges and fees. It is the

responsibility of the merchant to ensure that they review and understand their

agreement with United States Bankcard Service and to call with any questions or

concerns regarding any notices received prior

to incurring the fee.

While United States Bankcard

Service has charged this fee in accordance to the Card Service Agreement, we

sympathize with the merchant in that they claim to have not received their

notices. Additionally, the merchant has not used their account since signing

up. We have approved a good faith refund in the amount of $120.00 for the fee incurred.

However, we will not be able to waive or refund this fee in the future.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10373814, and find that this resolution is satisfactory to me.

Regards,

Review: We continue to get billed and our account is automatically debited every month even though we have attempted to close our merchant account twice. I first called back in July to see about closing the account and was instructed to send an email to info@u[redacted]ice.com to do so, which I did on July 10th including all the information they claimed to require. We were going month to month so there should have been no problems closing the account. When we continued to get billed, I called again in October. I spoke to [redacted] and was instructed by him to send another email. I did so again on October 10th. It's now December 31st and we are still getting billed, between $60.45 and $110.40 each month. I called today and spoke to [redacted] again. He couldn't explain why our account had never been closed and he assured me our November and December statement charges would be refunded. That's a great start, if it indeed happens, however I'd like to see all our charges refunded from September.Desired Settlement: Sept statement: $60.45Oct statement: $70.45Nov statement: $110.40Dec statement: unsure of amount, [redacted] said it was too late to reverse the charges.Total amount: $241.30 + Dec statement charges

Business

Response:

United States Bankcard Service strives to provide exceptional service to all of our customers. We regret at any time that we have a dissatisfied customer.

Review: I was contacted by the sales representative, [redacted], regarding setting up a merchant account with this company in May of 2012. I was new in business and explained to him that I could only commit to a 1 year contract. I did not have too many problems (with exception of their machine not working properly when I received it but I was able to fix the problem myself) until November 2013. On November 11, I spoke with [redacted] regarding charges on my account. While speaking with him, he informed me that I needed to fill out a PCI Compliance form to avoid a $49.95 charge per month. He emailed me the paperwork, he helped me fill it out, it was then faxed back to him all on the same date. He assured me that I would not be charged this fee. However, I was charged $49.95 on 11/29/2013. I immediately contact the company and was told that I would receive credit on my December statement. Of course, when I received my statement for December, I was not only charged this fee again and no credit was given for the previous charge. I immediately contacted Raul on 1-3-2014 and was told that both charges would be EFT'd back into my account by no later than 1-8-2014. I checked my account on 1-9-2014, and the money has yet to be replaced in my account. I immediately called Raul once again, and of course was told that it was not submitted and to give them until 1-15-2014 to replace the money. I told him that I wanted to cancel my account with them and he told me I had a 3 year contract with them and that I was responsible for the fees on this account until my contract ended. Keep in mind that the contract was only suppose to be for 1 year not 3. He then told me that if they were unable to collect the monthly fees, I would then be turned in to collection. This has been a nightmare for me and has hurt my business financially since they withdrew money from my account that I was not prepared for.Desired Settlement: I would like both charges of $49.95 (a total of $99.90) to be returned into my account. I wish to end the contract with no early termination fees since the sales representative deceived me and given all the problems I have had with them withdrawing funds that they were not suppose to in the past few months. I am also requesting that the $55.00 annual fee be returned into my account once my contract with them is terminated, a charge that just took place on 1-2014. No contract no annual fee.

Business

Response:

The account number provided in this complaint is not a United States Bankcard Service account number.

Business

Response:

According to the account number provided, this business owner does not have an account with United States Bankcard Service. All of our account numbers begin with 878854...., while hers begins with 8788155. It appears what happened is that this merchant has spoken with our shared customer service outlet for her billing questions. However any inconsistencies with her billings and what she was expecting per her contract are a matter for the sales office that set up her account, not United States Bankcard Service. Please have the merchant refer to their original merchant application to determine what business setup their account (this is who her agreement is with), and she'll be able to determine the correct organization that can resolve this dispute.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9870728, and find that this resolution is satisfactory to me.

Although, I am not sure how this is possible since all contact has been with their customer service representative ([redacted]) or at least that is what is says on all email that I have received thus far from him. I will look into the matter fully, but if I discover this company is lying to me, then I will not only file another complaint but will seek legal advice. I have attached a recent email from [redacted] to prove why I feel that my services were with United States Bankdcard Service.

Regards,

Review: Even though the contract was signed under the following conditions:Uswipe New Business Package:2.69% + $0.00 Swiped transactionsNo Monthly FeesNo Monthly MinimumsNo Annual FeesFREE IPAD MINI w/ CARD READER: Free Shipping & ActivationGlobal Payments/USBankcard/Uswipe has changed their policy and has been taking monthly payments from my account for 15 months without any notice. I have never received a statement, policy change nor a electronic statement. I requested them to prove they sent me statements per email or in hard copy but they can't. I've asked to speak with the manager but Mr [redacted], Client Relations, phone ###-###-####, email [redacted]@usbankcardservice.com doesn't let me talk to his manager. My credit union advised to change my account number in order to stop the unauthorized deductions immediately. Mission Federal Credit Union has refunded me unauthorized debits for the last 60 days totaling $ 269.85. Global Payments/USBankcard have now put a cash collector on me demanding me pay what the bank has refunded me. Per my request, they sent me the PCI Compliance link for the first time in bold letters on 01/28/2015: IMMEDIATE ACTION REQUIRED! URGENT NOTICE FOR: ENJOY IT FACES but I yet have to receive my first account statement. I have cancelled my service contract with Global Payments/USBankcard and have returned the free iPad which they have already received back.I can forward all email conversation between Global Payments/USBankcard/Uswipe and my self asking for a solution but they are unwilling to cooperate.Desired Settlement: In total Global Payments / US Bankcard / Uswipe withdrawal $869.25 (15 months PCI Fee of $49.95 and Yearly Fee $120), but my bank credited $269.85, so I want the balance of $599.40 refunded and take my account/name off the collection bureau and repair my credit history due to misleading, unfair and illegal business practices.

Business

Response:

As stated by the Business. The inquiry regarding a request for reimbursement for fees paid has been received. Your merchant account was opened per your signature on a Merchant Application received in June of 2013. Per your signature on the merchant application, you confirm your acceptance of the Card Services Terms & Conditions. There are multiple areas of the Card Services Terms & Conditions, which you agreed to by your signature, that address your concerns. Within Section 12) Limitation of Liability, it states: “It is agreed that in no event will Global Direct or Member be liable for any claim, loss, billing error, damage, or expense arising out of or relating in any way to this Card Services Agreement which is not reported in writing to Global Direct by Merchant within 60 days of such failure to perform or, in the event of a billing error, within 90 days of the date of the invoice or applicable statement. Merchant expressly waives any such claim that is not brought within the time periods stated herein.” Additionally, Section 18) Amendments states: “This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either a notice describing amendments to this Card Services Agreement or an entirely new agreement, which amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice..” Furthermore, Section 22) Notices adds: “All notices required by this Card Services Agreement shall be in writing and shall be sent by facsimile, by overnight carrier, or by regular or certified mail. All notices sent to Global Direct or Member shall be effective upon actual receipt by the Corporate Secretary of Global Payments Direct, Inc., 10 Glenlake Parkway North Tower, Atlanta, Georgia 30328. Any notices sent to Merchant shall be effective upon the earlier of actual receipt or upon sending such notice to the address provided by Merchant in the Merchant Application or to any other e-mail or physical address to which notices, statements and/or other communications are sent to the Merchant hereunder. The parties hereto may change the name and address of the person to whom notices or other documents required under this Card Services Agreement must be sent at any time by giving written notice to the other party.” As stated, fees may be added to your account at anytime with or without notice. In this situation, you were provided notice of these fees prior to them being added to your account. In the event you had a billing dispute, per Section 12, it needed to be provided in writing within 60 days of locating the error and within 90 days of the statement date. As a merchant and business owner, it is your responsibility to review your merchant account statement, bank statements and financial records. Additionally, it is your responsibility to provide a written request in the event you feel there is a billing error or dispute. Although your request is not valid, we will honor the maximum amount of damages allotted under Section 12. A refund covering the prior 90-days from the date this billing dispute was presented to us will be issued to your account. This credit will first be applied against the open collections balance that you currently have with Global Payments (the amount that was charged back to Global Payments by your bank). Any remaining credit will be mailed to you at the address provided in this complaint.

Review: We start service on 04/13, The company provided free supplies and waive my annual fee for the first year but on 12/13 they charged me $55 for annual fee.The company will give me instant rebates and 10% cash back rewards for the referral friend. I refer friend since 08/13, I never get any rebates or cash back from them although I ask them many times. Until 02/14 I refer another one I still call and ask them. Finally they sent me a check $100 for my referrals.How about my cash back?Desired Settlement: 1. First year annual fee was suppose to be waived.2. Was suppose to get a rebate for referral of a friend, plus 10% cash back rewards.I want them to fulfill their agreement.

Business

Response:

Dear Miss [redacted],

United States Bankcard Service has established a long

lasting and reputable foundation in the community and we take great pride in

conducting business with the highest level of integrity. We have and continue

to develop long lasting relationships with our merchant, affiliates, and

business partners; we regret any time we encounter an unsatisfied

customer.

Your inquiry poses a couple different issues and I’d like to

address them each individually. Firstly, the annul fee is printed on the

Merchant Application near the other fees that are applicable to your account. The

rates that are on the application are the ones that are entered into the

system. Unfortunately, it seems that the representative who established your

account did not communicate with the underwriting team regarding his guarantee

to remove the annual fee for the first year. As a valued customer, we will

issue a credit for the annual fee that you were told would be waived for the

first year. You will see this credit on your next statement. Please note,

however, that the annual fee will be applicable going forward.

Lastly, please note that we have various referral programs

available to our customers. The primary referral program is simply a $50

referral credit for each merchant setup that you refer to us (this is the check

that you recently received). In order to receive monthly referral credits, you

must be enrolled in the program and I do not see that paperwork in your file.

Also, please note that this particular program is actually a profit-sharing

program and is calculated based on the income generated on the account, not the

volume the account(s) process.

If you would still like to move forward with enrolling in

the profit-sharing incentive program, please let me know and I will send you

the enrollment form. I will also do some investigating to see if we can prorate

the incentive.

If I have not addressed all of your concerns, do not

hesitate to let me know. We value your business and will strive to ensure your

satisfaction.

Best Regards,

<st1:country-region w:st="on">United

States</st1:country-region> Bankcard Service

Consumer

Response:

Review: 10034520

I am rejecting this response because: I already enroll the program with [redacted] and I called many many time to ask about it, why they not tell me I didn't enroll. until I spoke with [redacted], he said ok! We will cash back to you but never!

I want them to make sure to fulfill their agreement and cash back to my account since August 2013 to present for 2 referral for the friend.Then I will accept the response.

Review: Upon signing with this credit card processing company (under their service name USwipe), we were in a NO FEE agreement. I was to pay only the appropriate percentage per transaction with no monthly or annual fees of any kind. After joining them in August,2013 with both my business accounts, I only received one statement dated that November for my one and only transaction with this company. Since I never again had need of the service, I never received, nor expected any other statements. On January 5, 2015, they debited both of my accounts for $120/each. When I called them, they said it was a service fee, about which they claim I'd been warned in a previous statement (again, I've never received other statements). I had no warning, or I would have canceled the service as I was not using it. The company refused to refund my $240. In a follow-up phone call with a supervisor from my bank, the US Bankcard representative admitted that even had I canceled the service upon the warning, they would have charged me, and it would not be refunded! Our agreement was that there was to be NO service fee, and they essentially stole $240 from me without warning or recourse (I had no notification of this ACH charge until January 8, 2015, so it was too late to be disputed and corrected by my bank, due to federal policy on limits of times to challenge ACH debits). This company has now refused to return phone calls, has declined to credit my account, and is responsible for an unauthorized debit to my accounts in the amount of $120/each, for a total of $240.Desired Settlement: I would like a full refund of my money to both accounts, in the amount of $120 for each account.

Business

Response:

**-As stated by the business. United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. It is our policy to pass any fees that we incur from the various card associations on to our customers. According to the terms and conditions of a merchant account, we always provide at least 30 days’ notice to our customers of any changes in their fee structure. However, since this merchant claims to have not received such notification, we agree that the merchant should be refunded the fee that they incurred. Note, however, that I am unable to locate this merchant's account based on the contact information provided. Please have the customer provide their account number (beginning with 8788...) so I can issue a credit to their account. Thank you, [redacted]

Review: I contacted this company by phone to have my account closed. They were charging exorbitant monthly fees for a service I was barely even using and I've since switched carriers. I was sent a vague email reply instructing me to contact someone whose email address was jalbarran and gave him what I thought was the necessary information to cancel my account. Weeks went by and I got no response. I was looking at my next bank statement and noticed that they had charged me another high monthly fee even though I hadn't scanned any cards on the credit card processing station at my place of business, so I called the company and was told that my signature would be needed to close the account (kind of a key detail that was omitted upon my first request to close my account), and that it couldn't just be a photograph of my signature, but it needed to be either sent by mail or by email pdf. I sent a letter by mail with my signature and waited. I heard nothing. A few days later I emailed David Albarran to ask for confirmation that my account has been closed and that I will incur no further charges. It's been almost a business week and I've gotten no confirmation. I would urge others not to use this company for bank card services, as their customer service is sorely lacking. I've gotten overcharged, given the runaround, and been ignored.Desired Settlement: I just want a simple confirmation that my account has been closed and that charges will cease.

Business

Response:

United

States Bankcard Service has established a long lasting and reputable foundation

in the community and we take great pride in conducting business with the

highest level of integrity. We have and continue to develop long lasting

relationships with our merchant, affiliates, and business partners; we regret

any time we encounter an unsatisfied customer.

Review: COMPLAINT:I responded to a post card solitication from United States Bankcard Service to do my merchant credit card processing. The post card clearly stated that I would NOT have to sign a contract, and there would be no annual fee, , only a $10 month statement fee, ALSO that there would be no non compliance fees as long as I did the annual attestation of compliance, SAQ.. So I called the company and talked with K[redacted], he re-iterated the terms that were stated on the post card were correct. I signed with the company January 22, 2014.After the first year I was with the company they began charging me a $120 yearly fee, plus a $99 yearly non compliance fee. Early April of this year I faxed and emailed request to have my contract terminated, I spoke with several people, including D[redacted] only to find out that they had me in a 3 year contract, (which they said is not due to expire until January of 2017) and would cost me early termination fees of $900, which is ludicrous. I have the original agreement in writing from K[redacted], stating their terms, but was told by D[redacted] that K[redacted] was no longer with the company, so they refused to honor their agreement. I think what this company has done to me is very immoral, if not illegal, shame on them!Desired Settlement: DESIRED SETTLEMENT:I want them to terminate my contract immediately with no termination fees, and would like to have the $99 compliance fee that was charged to my account on June 1st re-imbursed.

Business

Response:

United States Bankcard Service has established a long lasting and reputable foundation in the community and we take 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. In January 2014, your company entered into an agreement with Global Payments Direct and United States Bankcard Service for merchant services. At that time, Ms. B[redacted] agreed to the Card Services Terms and Condition per her signature on Page 3 of the Merchant Application. This signature states that “A copy of the Card Services Terms and Conditions has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms and Conditions and that you agree to all terms and conditions contained therein.” Per our conversation with Ms. B[redacted] in April 2015, she reiterated that she has a copy of these terms.Please refer to the Card Services Terms and Conditions Section 13 Term and Termination for details regarding the accelerated fee(s) (which were $839 at the time of your inquiry in April), where it states:In the event Merchant terminates this Card Services Agreement…the following amount(s) shall be immediately due and payable to Global Direct: the lesser of (a) the maximum amount permitted by state law, and (b) all monthly fees assessed to the Merchant under this Card Services Agreement and due to Global Direct for the reminder of the then existing term of the Card Services Agreement, including all minimum monthly fee commitments. Merchant hereby authorizes Global Direct to accelerate the payment of such applicable amount(s) and to deduct such total amount(s) from Merchant’s account…”Regarding the changes to your fee structure, please refer to the Card Services Terms and Conditions Section 18 Amendments, where it states:This Card Services Agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitation non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either (i) a notice describing amendments to this Card Services Agreement or new services to be provided or fees to be charged to Merchant or (ii) an entirely new agreement, which notice, amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global Direct’s notice…” We would like to resolve this matter with you. However, please note that the addition of any fees or surcharges to your account are in compliance with our Card Services Agreement (as described above) and notice of the additional fee was included in the messages section of your monthly merchant statements. As we do not have access to the documents that you claim were provided by Mr. L[redacted], we cannot verify if they state anything contrary to your signed Card Service Agreement. If you are able to provide documentation from Mr. L[redacted] that states you do not have an annual commitment with our organization, please provide it as soon as possible for review so we can resolve this matter.

Business

Response:

As Stated by the Business. I have received authorization to allow this merchant to exit their contract with United States Bankcard Service with no penalty or fees due to the verbal agreement claimed by the Customer. As a service organization, it is important to us to ensure that our current and former customers have a pleasant service experience with our organization and it's unfortunate that Mr. L[redacted] did not properly indicate the special terms of this merchant's agreement in our systems; had he done so, we could have saved the Customer from the frustrations that have arose since. To resolve this matter, I have updated the merchant's records to indicate there are no early termination fees and have submitted a request to have the account closed. Also, the Customer is correct; the merchant already owned the equipment before an account was opened with us. We sincerely hope that if French Connection Antiques needs credit card processing services in the future, she will consider reopening her account with United States Bankcard Service. In the meantime, we wish the Customer the best in her business ventures. Thank you, [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10670868, and find that this resolution is satisfactory to me.

Regards,

[redacted]

Review: I signed up uSwip at a show in Los Angeles. Convention Center for their special offer their credit card reader service with a free ipadmini to use. After sign up, there are three times I called in to verify with my address and company with Peter and other customer service for them to ship out uSwip's reader device and a free ipadmini on the agreement. Each time I called to verify with them, they said they will ship out both device out to me. I wait and never get anything from them. I am not able to use the credit card reader device and ipad they promised on agreement to ship out to me as the business tool to use their service. They do not have integrity. They started charging my checking account $49.95 monthly without notice. Five charges $49.95 from Global Payments from my checking account. The charges amount was not on the agreement. In April 2014, I told to David Albarran. David was telling me to close account in writing in order to stop the service charge and write the charges for refund in the cancellation letter. David said accounting department will decide on refund. On 7/18/14 I talk to David. His attatude is not nice and negative. He said he cannot fund the money to me. He said the accounting department already rejected. David said the account is already closed he cannot send me the rejecting letter from accounting. He said I should call early before the account closed. I told him last time you told me my account is still active and I must close the account in order to stop the charge. He asked me why I did not call early for charges on my checking. I did not check my account. I just start up I did not have any other expenses using my checking account and I am not expected they will charge me without their device can use their service. I told David how can I get charges that I never able to use your services. He immediately said to transfer to someone. The call immediately goes into a voice mail without name. I left message and no one give me a call back.Desired Settlement: I never receive uSwip/US Bankcard Service's credit card reader device to use and ipadmini on the agreement in order to use their service. I got five charges $49.95 from Global Payments from my checking account . I did not know they taken out money from my account. There was not enough money in my account. There are two extra $25 overdraft fee charged on 3/3 and 4/1 and an interest charge from my Reserve Lin $6.33. I would like uSwip/US Bankcard Service refund five time charges and fees.

Business

Response:

United

States Bankcard Service has established a long lasting and reputable foundation

in the community and we take great pride in conducting business with the

highest level of integrity. We have and continue to develop long lasting

relationships with our merchant, affiliates, and business partners; we regret

any time we encounter an unsatisfied customer. We apologize that you are not satisfied

with the service you have received and we take these kinds of issues very

seriously.

We

have reviewed your complaint details and the associated account. I do show that

an iPad mini and the card reader was shipped out to you, however an attempt to

track the package shows that it was never delivered. It appears we were never notified by UPS of their failure to deliver this package.

Typically, we require refund

requests to be submitted within a 60-day period from the time the error in

billing occurred. However, since you never received the equipment necessary to

accept credit cards, we completely understand your position. As such, we are

approving your refund request for the charges you have incurred totaling

$249.75. I notice that the disputed amount listed on your claim is for $286.08.

Please advise where the additional $36.33 in your request is coming from so

that we can review. In the meantime, you

can expect a refund to be posted to bank account on file within 3-5 business

days.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10145485, and find that this resolution is satisfactory to me besides the interest charges from my checking account. I open this checking account last year and never use it. There is no any expense and charges from anyone. There are additional interest charges from a reserve line because uSwipe withdraw the money without notice cause my balance not enough money in my checking account and automatically taken out $200 from a reserve line to cover the checking account. The reserve line has pay back by me. The total interest assessed is $12.38. Please have uSwipe/US Bank Card Service to refund me the interest charge cause by their action. Thank you.

Best Regards,

Review: THIS MERCHANT PROCESSING COMPANY IS DECEPTIVE AND A SHAM.I HAD A BUSINESS THAT WAS USING WELLS FARGO MERCHANT PROCESSING FOR ATM/POS SALES. HAD A 4 YEAR LEASE THAT EXPIRED IN 2010. FOR ANOTHER 2 YEARS AFTER THAT, WELLS ALLOWED US TO GO MONTH-TO-MONTH. DID NOT WANT TO SIGN A NEW 3 TO 4 YEAR LEASE AS I WANTED TO SELL THE BUSINESS AND DID NOT WANT TO BE TIED DOWN TO A NEW LEASE AGAIN. BUT WELLS FARGO WOULD NO LONGER ALLOW MONTH-TO-MONTH SO IN MARCH 2012, I CONTACTED US BANKCARD SERVICES AND SPOKE TO THEIR REP, PETER HERNANDEZ, WHO THEN PROCEEDED TO SELL ME HIS COMPANY SERVICES AND ASSURED ME THAT THEY DID NOT REQUIRE A CONTRACT. PETER KNEW THAT I HAVE THE BUSINESS LISTED FOR SALE AND IT COULD VERY WELL BE SOLD ANYTIME. ONLY PROBLEM IS THAT THE ACTUAL EQUIPMENT FOR CREDIT CARD PROCESSING HAD TO PURCHASED SO I DID JUST THAT INSTEAD OF LEASING IT. BUSINESS SOLD AND CLOSED ON MARCH 26,2013. CALLED PETER AND INFORMED HIM THAT BUSINESS HAS SOLD AND WISHED TO CLOSE OUT THE ACCOUNT. HE SENT ME SOME FORMS AND I THOUGHT THAT WAS IT. IN FACT, HE MADE A COMMENT THAT IT TOOK EXACTLY ONE YEAR. WELL, IN APRIL 2013, THIS COMPANY DEBITED $30.55. I CALLED CUSTOMER SERVICE AND FOUND OUT THAT I WAS ON A 3 YEAR LEASE CONTRACT AND THAT WAS THE MINUMUM CHARGE! CALLED PETER HERNANDEZ AND HE THEN SAID THAT I NEVER RETURNED THE MONTH-TO-MONTH ADDENDUM HE SENT. NON-SENSE! COMPLETE LIE! WHY WOULD I NOT RETURN THAT SO CALLED ADDENDUM? IT WAS THE MOST IMPORTANT DOCUMENT! HE WAS SO QUICK TO CALL AND FOLLOW UP ON OTHER FROMS THAT NEEDED TO BE SIGNED BACK THEN(LIKE COMPLIANCE DOCS,ETC) BUT WOULD NOT FOLLOW UP THE SO-CALLED ADDENDUM? ANYWAY, HE SAID NO PROBLEM AND HE WILL HAVE THE $30.55 CAHRGE REVERSED AND THAT HIS SUPERVISOR WOULD CALL AND IT WILL BE ALL FINE. NO CALLS CAME IN. LEFT SEVERAL MESSAGES FOR PETER TO CALL ME BUT COMPLETELY IGNORED. CALLED AND ALSO LEFT SEVERAL MESSAGES FOR JEROD, HIS SUPERVISOR. IN MAY 3013, THIS COMPANY CHARGED ME ANOTHER $129.55 ALTHOUGH THERE HAS BEEN NO ACTIVITY SINCE BUSINESS SOLD ON MARCH 26TH.Desired Settlement: JUST WANT THIS PROBLEM RESOLVED AND FOR THIS COMPANY TO STOP MIS-REPRESENTING THEIR SERVICES. IF I INDEED AM ON THE HOOK FOR ANOTHER 2 YEARS, LET ME KNOW WHAT I OWE SO I CAN SETTLE THE BILL. I HAVE NOW SPENT 30.55 AND 129.55 FOR NOTHING. NO ONE WILL CALL ME BACK FROM THIS COMPANY.

Business

Response:

For this account, we have attempted on multiple occasions to reach out to the person who holds the account with us. Unfortunately, we do not show Juanito as the person who signed for the account and therefore were unable to release specific information about the account to him.

Review: Multiple times my statement had charges that were exorbitant and vague. I would make phone calls to find out the reason and no one would return my calls. I was transferred to their "affiliate company" who did not return phone calls. When I did get through to a customer representative from these two companies, each would blame the other and transfer me to the other company. It was a fiasco. Literally, this process took months. When I finally did get to Raul USBS, I asked for my account to be credited back certain charges and he declined. There was never any effort to work with me. When I said that I would need to change credit card processors since I was unsatisfied with his response, he made no effort to keep my business. In twenty years of doing business I have never filed a complaint the the Revdex.com. I simply must post this in an attempt to save other businesses from United States Bankcard Services.Desired Settlement: Credit back my account for 2014. $109.55.We are a seasonal business and I did not renew my account with USBS and they immediately deducted my bank account when I reopened the checking account with my bank

Review: I was solicited from this company last December. I agreed to try them on a month to month basis. I made sure to ask each time that I spoke to them that it is on a month to month and that I had no contract! I tried them for a few months ,wasn't happy. I sent in a cancellation letter in August and sent the machine back to them. They refuse to cancel me without charging me a ridicules fee. I have a written statement from the sales person who I dealt with. They don't want to honor there agreement because the sales person is no longer with there company. That shouldn't be my problem. When they wanted me for a customer they were ok with saying anything to get my business. As far as I'm concerned they are criminals.Desired Settlement: I want them to cancel my account .I want it closed and all of this finished with. I supplied them with my cancellation letter 2 times. I will not be embezzled for this. They made plenty of money from me in the 6 month with them. They will not make another dime from me! Its hard enough to run a small business today company's like this should be dealt with SHAME ON THEM!!!

Business

Response:

Dear Ms. [redacted],

The review of your account has been open with our organization since November 7th. Due to the nature in which your account was setup by your sales representative - without the proper documentation (e.g. month to month contract addendum) - we would typically hold a merchant liable for the terms they signed for. However, further research has been performed and we have decided to allow you to be released from the contract with no early termination fees.