BBB Accredited Business since

Electronic Payment Systems, LLC

Phone: (800) 863-5995 View Additional Phone Numbers 6472 S Quebec St, Englewood, CO 80111 http://www.eps-na.com


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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Electronic Payment Systems, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Electronic Payment Systems, LLC include:

  • Length of time business has been operating
  • Response to 82 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

82 complaints closed with BBB in last 3 years | 16 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 19
Billing/Collection Issues 6
Delivery Issues 17
Guarantee/Warranty Issues 0
Problems with Product/Service 40
Total Closed Complaints 82

Customer Reviews Summary Read customer reviews

43 Customer Reviews on Electronic Payment Systems, LLC
Customer Experience Total Customer Reviews
Positive Experience 30
Neutral Experience 2
Negative Experience 11
Total Customer Reviews 43

Additional Information

BBB file opened: September 09, 1996 Business started: 01/01/1997 Business started locally: 01/01/1997 Business incorporated 10/02/2000 in CO
Licensing, Bonding or Registration
Many local municipalities, townships and counties have registration, bonding and/or licensing requirements. The BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

Permit and license requirements for regulated industries in the State of Colorado can be viewed at the following website:

http://www.colorado.gov/pacific/dora/licenses-and-permits-0

To view the registration of a business with the Colorado Secretary of State click below:

http://www.sos.state.co.us/biz/BusinessEntityCriteriaExt.do

Type of Entity

Limited Liability Company (LLC)

Business Management
Ms. Chonda Pearson, Executive Assistant Mr. Larry Stuart, National Sales Director
Contact Information
Principal: Mr. John Dorsey, CEO
Customer Contact: Ms. Chonda Pearson, Executive Assistant
Business Category

Credit Card - Merchant Services Financial Services Check Cashing Protection Systems Credit Card Processing Service

Alternate Business Names
Electronic Payment Systems
Additional Information

Below is an explanation of Electronic Payment Systems "EPS" agreement and cancellation process:

"EPS's" agreement is a one year term, which will automatically renew for an additional one year term unless "EPS" receives notification from merchant at least 90 days prior to the anniversary date of the contract term in effect.

The merchant can cancel out the agreement at anytime, providing a 30 day written notification is received by "EPS," however, all fees for the one year agreement will need to be paid in full to "EPS" before the account is cancelled.

If the merchant places a stop payment on fees or a Not Authorized, the merchant will be placed in the collection system for the remaining fees owed.



Industry Tips
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Customer Review Rating plus BBB Rating Summary

Electronic Payment Systems, LLC has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 6472 S Quebec St

    Englewood, CO 80111 (303) 221-2510 (800) 863-5995

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

7/28/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Back in the fall of 2014, my business, Optimum Fitness Systems, hired Electronic Payments Systems, a.k.a. Access Now, to do a website project. Over the course of several months, EPS failed to follow thru with their part of the agreement, so I requested that they cancel the project and refund the funds that was paid to them. Instead, they continued to debit my business account and I had to close that account. After several months of phone calls, emails, legal involvement from my attorneys, EPS finally agreed to refund the requested amount. However, they insisted that they do that only thru wired transaction. Though hesitant, I finally agreed and gave them my new banking account information. Funds were finally wired over in March of 2016, but the amount refunded was almost $90 short of the requested amount. When asked about why that was, ***** ********** their new account manager, stated that they could only "approve" the limited amount that was sent. The following month, April 2016, a debit was charged to that same account for $99.50 for a PCI compliance charge, a service I never signed up for. I expressed my disappointment to Mr. ********* via phone message and email, but never heard back. I had to dispute that charge with my bank then once again had to close that account. I have had to close TWO business accounts because of unscrupulous business practices of EPS.

Desired Settlement: Once again, I will request shortage amount of $90. Having to close my business account for the second time, EPS should be responsible for the charges associated with that: $20 bank processing fee $22 for printing new checks for new account after having to cancel previous account $150 for 2 hours of my time (though there was more time involved) to resolve this $282 total

Business Response:

After the wire to the merchants account we show no phone calls until the merchant was charged the PCI fee of 99.50. We are happy to reimburse you to 99.50 fee charged But we are unable to pay the 22.00 fee for your new checks and a 20.00 bank processing fee (?)

Consumer Response:

 
Complaint: ********

I am rejecting this response because:

Emails and phone calls were sent to Blake Robertson with no response. I disputed the $99 charge and was refunded for that. But again, I had to close the account (for the second time) and incurred charges related to that.

Quite honestly, I don't expect Access Now (a.k.a. EPS) will do anything more at this point. Just let this go on record as a warning to the public that they should not do business with Access Now/Electronic Payment Systems.

Sincerely,

** ****** ****

7/12/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I signed a contract with EPS, LLC. on 7/20/2009 and we were not happy with the service so we faxed in a cancellation letter on 12/28/2012 with my signature on it and the next month the monthly fee of $35.00 was still deducted out of our checking account so I had the Controller, ***** *******, call on 1/14/2013 and she spoke with ****** and we were informed they never received the faxed cancellation letter so on 1/14/2013 we retyped a new cancellation letter which the Controller signed and we faxed it in on 1/14/2013 and the next month the monthly fee of $35.00 was still deducted from our checking account so when ***** called on 2/8/2013 they told her that she was not allowed to sign the cancellation letter that it needed to be one of the owners and that she could just have the owner sign on the same letter and refax it in so on 2/8/2013 we had ****** ******, President and Owner sign and date the letter and we refaxed it in. Then in March and April the monthly fee of $35.00 was still deducted from our checking so we called on 4/11/2013 and spoke with ******** and she confirmed with ***** that the contract was cancelled as of 7/2013 and there will no longer be the monthly fee of $35.00 or the yearly PCI Compliance fee of $99.50 and from 7/2013 the monthly $35.00 fee was terminated BUT in April of 2014 I noticed the yearly PCI Compliance fee deducted from our checking so ***** called and they reassured her that this deduction would be the last deduction and the reason this came out is because we would have still owed for the 2013 year compliance then low and behold April of 2015 and April of 2016 the PCI Compliance fee was still withdrawn from our checking account so we placed a call to the customer service number and your company looked up the account and she stated that the contract does not show cancelled and we explained the whole story and she asked if we could refax in all the documentation that we had previously sent and we said sure and on 5/3/2016 ***** faxed in both cancellation letters with all our notes on them and we had requested that someone call us back and verify that the fax was received and to also let us know when my fees would be refunded and no one returned our call so on 5/5/2016 we started calling back to customer service and now the story got changed to say that our contract was only cancelled on 5/3/2016 and we said no that's when we refaxed you all of our previous documents so you could research our issue so we got no where with the customer service and we requested that we wanted a manager or owner and from this point on we have just been put into ***** *********** voicemail and we have left him over 10 messages and the only return phone call was at 7:30pm MST and we are in EST which we had informed them when we left the message. We are trying to do our due diligence here and work this issue out but no one at this company wants a resolution. We also spoke with a ****** in customer service on 5/10/2016 thinking that we would explain the situation one last time and of course we got the same run around. We also asked him if our contract was not cancelled then why did someone stop the monthly fee of $35.00??? No response to that! We also asked why they would be charging us a yearly PCI Compliance fee when we are not even using any system of theirs so there would be no compliance that even needed to be completed??? The response was that our account is still open so they would have to do the yearly compliance so we requested proof that the compliance was done and that request was sent to ***** also and imagine that we are still waiting for that proof. When we originally called the company to ask how to go about submitting a cancellation they said that a faxed letter was perfectly fine and that we did NOT have to send anything in certified or return receipt. I am assuming that this company just keeps telling all their customers that they never received their cancellation faxes so they can keep charging them the fees and to hope that no one notices.

Desired Settlement: We want our three years of yearly PCI Compliance Fee's refunded to us which would be $99.50/year times three years would equal $298.50 plus we want something in writing on their company letterhead stating that our contract is cancelled as of 07/2013 and there will be no more money deducted from our checking.

Business Response: ****** ***** signed for services with EPS in July 2009. The first letter received signed by ****** ***** was on May 3, 2016. This contract will cancel In July 2016 (this month) with the July 2016 fees to be debited in August. If ****** ***** would like additional information on the account please contact our offices via the BBB. Any communication must be with ****** *****. Thank you

Consumer Response:
Complaint: ********

I am rejecting this response because:  As you can read from my complaint the cancellation was faxed in numerous times and verified that the fax from 07/2013 was received by one of Electronic Payment Systems, LLC.'s  employees and the monthly fees were terminated.  The only fee's that were not terminated was the yearly PCI compliance fee.  I would like to know if they didn't accept our faxed cancellation on 07/2013 then why was our monthly fees stopped??? 

Sincerely,

****** *****

Business Response: In 2013 EPS received a notifications of the intention to cancel services, and notified at that time that it could not be accepted as it was not signed by the signor on the original contract. The first letter signed by ****** ***** was in May 2016, and the contract cancellation is taking place this month. I am sure you, the BBB, understands that we cannot allow just anyone to speak on behalf of a contract and need appropriate authorization to cancel a contract.

Consumer Response:
Complaint: ********

I am rejecting this response because:   Again, you are not answering my question........If you DID NOT ACCEPT our cancellation/contract termination request then why would you have stopped the monthly fees on July 2013?  Let me make something else clear also......I might be the General Manager of this dealership and I do have authority to sign contracts on the behalf of the dealership BUT ****** ****** is the President and Owner of this dealership so to not have allowed his signature on a cancellation/contract termination letter is absurd and ***** ******* is the Controller and Chief Financial Officer of all of our dealerships and absolutely has the authority to discuss and take care of any issues for the betterment of our dealerships.  Let me ask this question..........what would have happened if I retired, quit, was terminated or died are you telling me that this contract would never be cancelled?

Sincerely,

****** *****

6/24/2016 Problems with Product/Service
5/17/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: We signed a contract with EPS, LLC. on 7/20/2009 and we were not happy with the service so we faxed in a cancellation letter on 12/28/2012 and the next month the monthly fee of $35.00 was still deducted out of our checking account so I called on 1/14/2013 and spoke with Jessie and we were informed they never received the faxed cancellation letter so on 1/14/2013 I retyped a new cancellation letter and I faxed it in on 1/14/2013 and the next month the monthly fee of $35.00 was still deducted from our checking account so when I called on 2/8/2013 they told me that I was not allowed to sign the cancellation letter that it needed to be one of the owners and that I could just have the owner sign on the same letter and refax it in so on 2/8/2013 I had ****** ******* President and Owner sign and date the letter and I refaxed it in. Then in March and April the monthly fee of $35.00 was still deducted from our checking so I called on 4/11/2013 and spoke with ******** and she confirmed with me that the contract was cancelled as of 7/2013 and there will no longer be the monthly fee of $35.00 or the yearly PCI Compliance fee of $99.50 and from 7/2013 the monthly $35.00 fee was terminated BUT in April of 2014 I noticed the yearly PCI Compliance fee deducted from our checking so I called them and they reassured me that this deduction would be the last deduction and the reason this came out is because we would have still owed for the 2013 year compliance then low and behold April of 2015 and April of 2016 the PCI Compliance fee was still withdrawn from our checking account so I placed a call to the customer service number and she looked up the account and she stated that the contract does not show cancelled and I explained the whole story and she asked if I could refax in all the documentation that I had previously sent and I said sure and on 5/3/2016 I faxed in both cancellation letters with all my notes on them and I had requested that someone call me back and verify that the fax was received and to also let me know when my month would be refunded and no one returned my call so on 5/5/2016 I started calling back to customer service and now the story got changed to say that our contract was only cancelled on 5/3/2016 and I said no that's when I refaxed you all my previous documents so you could research my issue so I got no where with the customer service and I requested that I wanted a manager or owner and from this point on I have just been put into ***** *********** voicemail and I have left him over 10 messages and the only return phone call was at 7:30pm MST and I'm in EST which I had informed them when I left the message. I am trying to do my due diligence here and work this issue out but no one at this company wants a resolution. I also spoke with a ****** in customer service on 5/10/2016 thinking that I would explain the situation one last time and of course I got the same run around. I also asked him if my contract was not cancelled then why did someone stop the monthly fee of $35.00??? No response to that! I also asked why they would be charging us a yearly PCI Compliance fee when we are not even using any system of theirs so there would be no compliance that even needed to be completed??? The response was that our account is still open so they would have to do the yearly compliance so I requested proof that the compliance was done and that request was sent to ***** also.

Desired Settlement: I want my three years of yearly PCI Compliance Fee's refunded to us which would be $99.50/year times three years would equal $298.50 plus I want something in writing on their company letterhead stating that our contract is cancelled as of 07/2013 and there will be no more money deducted from our checking.

Business Response:

***** is not listed on this account and has no authority to make any changes on this account. EPS received a cancellation letter from someone other than the personally guarantor on January 04, 2013. This letter was not accepted by EPS because ****** ***** did not sign the cancellation letter.

If the merchant claims they did provide a signed cancellation letter signed by ****** ***** in 2013, please provide proof of this letter, and proof of receipt from EPS (as example: signed shipping/mailing receipt, or email acknowledging receipt). The signed cancellation letter our office received from ****** ***** was received on May 03, 2016.

The account is set to close at the end of the merchants contract term on July 28, 2016. If the merchant would like to discuss this account in detail, I will need to speak with the personal guarantor. I however we cannot  discuss the account with someone who does not have permission to speak on behalf of this account.

Consumer Response:
Complaint: 11441516

I am rejecting this response because:    I have full authority to speak on behalf of any of our 5 dealerships seeing that I am the controller for all the stores plus the first cancellation letter which was faxed in on 12/28/2012 was signed in fact by ****** ***** who was the person who signed the EPS 90 Application and Purchase Agreement which supposedly they never received and then the second cancellation letter was signed by myself and ****** ****** who is the majority shareholder of all the corporations and that letter was faxed twice and it was also verified by an EPS employee that it was received and that it was accepted as proper cancellation.  I have attached copies of both cancellation letters which were faxed in and that was instruction given by EPS's employees there was never anything mentioned that the cancellation had to be submitted by certified or receipted mail.  This is a total run around and I want our money refunded.

Sincerely,

***** *******

Business Response:

Unfortunately, It is regulations that we can only speak to the individuals listed on the application.

BBB: Please take not that this complaint is not coming from the actual business owner, and all communication must be direct with the business owner, and a representative of the business. We do not have this persons information anywhere on the application.

 

Thank you in advance.

Consumer Response:


Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 11441516, and find that this resolution is satisfactory to me.

Please make note that I will be sitting with ****** *****, General Manager who signed the EPS contract and ****** ******, Owner of the dealership and they will be filing another complaint.  I would really like to know what would have happened if ****** ***** was no longer employed at our dealership would the EPS contract go on forever?


Sincerely,

***** *******

5/16/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I used EPS to handle check writers in my business. At the time (2009) EPS offered a program that would guarantee checks to be paid to me even if they bounced. To be on this program I had to lease a terminal from their supplier. I used EPS for a very short time because number one they didn't keep their end of the agreement as I had to beg several times to be paid on a bad check that they approved number two they were very unprofessional if I had a problem that I needed to speak with them about and number three they had very bad business practices that had I known I would have never used them to start with. I returned the equipment to the leasing company when I cancelled my service with EPS in 2010 and was sued for an outrageous amount (4500.00) for a terminal that I could have purchased for less than 500.00. Now EPS will tell you that they have nothing to do with the leasing company, that they are separate but they make their customers purchase it. This was a very bad experience not only for myself but my customers as well. So today I am reconciling my bank account and there is a charge from V/MC PCI ANNFEE with a phone number ************** for a charge in the amount of $99.50 I called the number and guess who after 7 years? It was EPS, so I called them and they said I am not PCI compliant and that was the charge. Well guess what? I am PCI compliant and have been every year for the last 7 years with my current merchant processor. I have not received a charge for PCI from EPS in the last 7 years. This is a scam they are pulling on old previous customers, they refused to refund my 99.50 even though I don't do business with them and have not in 7 years. I want my money back and I am also going to contact the Attorney General in the State they are located if they do not refund it. Stay away from this business, they are bad news.

Desired Settlement: I want my 99.50 back and to never hear from this business again!

Business Response: The merchant did call in to our client service with this issue. The merchant was immediately refunded the fee of 99.50 on 04/27/2016

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 11415739, and find that this resolution is satisfactory to me.

Sincerely,

***** *********

 

2/5/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was approached by a salesman from EPS and we went over our contract agreements. I was told multiple times that I would be able to cancel services with the company with minimal fees. After this initial meeting, I was contacted by another salesman claiming to be the sales manager. He told me that our first contact was under investigation by the company. I was told that they had voided all of our paperwork and I would need to compleat the forms again. Once I was told something completely different about the system we were able to use, and that I would need a new piece of hardware in order to process transactions. He did not tell me that I would be signing a lease in order to do this, nor that he had included the lease in the paperwork that I was filling out, or that it looked exactly like an agreement I had previously signed with different terms. I found this out when I was contacted by the leasing company Global Leasing Solutions. The stated term of the lease was never disclosed to me, and the monthly cost of the lease is much higher than was originally discussed. What's more, they have withheld payments from my account on transactions we have processed. After contacting the online payment processors, I have discovered that they released the money 6 days ago and nothing has hit my account.

Desired Settlement: I wish to cancel my contract.

Business Response: The merchant originally signed for services and a gateway account on 12/22/2015. The merchant was approved for a merchant account (MID 600100101962). On 12/23/2015, The merchant met with ***** and ISO, and signed up for a lease on a terminal (wireless unit) for tradeshows etc. The agent installed the equipment on 12/29, at that time the merchant completed a Delivery and acceptance of the equipment. The merchant processed several transactions on 01/09 (saturday) and these funds were sent for deposit on Monday 01/11. The merchant then processed transactions on 01/13 which were flagged by visa, Documentation was requested and reviewed.Once approval was received, the funds were released. Funds are deposited based on his banks funds availability policy. The merchant has not contacted our office since 01/21 to state there was ever an issue of deposits. If there is still an issue, and the deposit has not been received, we are requesting documents (bank statements) showing the deposit was not received.

2/4/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Actual rate paid if not what was presented during sales phase (it's almost doubled). We signed up after numerous sales conversations with ******* *******, the sales rep. The entire reason we were shopping for a new vendor is because we felt our all-in rate of 2.79% was too high. ******* made comments about how expensive that was and I was assured that EPS would beat that. We provided billing fees and rates from our previous provider and was quoted a rate of 2.59%. Then discovered that this rate was not an "all-in" rate with EPS as it didn't cover AMEX transactions. ******* supposedly had this issue corrected (I've yet to receive confirmation of this). Then when we received our first statement for the full month of September 2015 our rate was 4.76% ($599 in fees charged on $12,578 of processed transactions). I immediately called *******, the sales rep, and after several days of leaving voice messages that were not returned, I got him on the phone at 8:33 am on Monday 10/5/15 and was told that the fee we were charged were ridiculous, were a mistake, and that he would fix it. He promised to call me back by 9:30am that morning, one hour later. He never did and after several more unreturned voice messages I got him on the phone again on Wednesday 10/7/15 at 8:32 am. I was told that the fees were corrected and he just needed to talk to another person there who was coming in in about 15 minutes to finalize it. Once again I was promised a call back no later than 9:30 am but likely much sooner. I never received a call back. I've left numerous voicemails since, talked to customer service, and a customer service manager named ***** twice. My last conversation with ***** on the morning of Tuesday 10/13/15 ended with him saying he couldn't do anything for me except have me submit billing statements from our previous provider and he could see if they could meet or beat those charges. This is what I did BEFORE I signed up with EPS. He said that the additional charges were disclosed in my contract- the sale contract the ******* walked me through via DocuSign and basically dismissed entire sections of fine print as "that's just saying..." while reassuring me that there are no additional fees or if there were normally, they are being waived. The most frustrating thing is that I SPECIFICALLY said to Richard on at least two occasions during the due diligence phase prior to signing up: "What might I be missing, because I don't want my expectation of us paying 2.59% to be violated and in a month I have to express some form of disappointment with you". To this I received the answer that there was nothing being missed. Well here we are, and indeed there were things missed. This strikes me as a classic example of a sales person severely over promising and under delivering. now I can't get him on the phone and the customer service people refuse to honor what he said. I'd simply like our first month's bill corrected to what was promised (reduced from 4.76% to 2.59%), a guarantee that I will not be charged a $250 sign up fee, and to cancel our agreement and part ways. My engagement with EPS has been a waste of time and has cost me more double what I was paying with a very reputable vendor. Had I known the experience would be anything like this, we obviously would never had signed up.

Desired Settlement: I'd simply like our first month's bill corrected to what was promised (reduced from 4.76% to 2.59%), a guarantee that I will not be charged a $250 sign up fee, and to cancel our agreement and part ways. My engagement with EPS has been a waste of time and has cost me more double what I was paying with a very reputable vendor. Had I known the experience would be anything like this, we obviously would never had signed up.

Business Response: Can the merchant provide documentation showing the promise of a 2.59% "all-in -one" rate? EPS does have a meet or beat pricing policy, but to receive that, we do need at least 1 months complete previous processing statement for review. I do not see EPS received this information from the merchant. Please advise.

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
I'm happy to provide our last month (and many more) processing statement(s) from our previous vendor to demonstrate our previous comprehensive rate paid inclusive of all fees. In fact, we offered to send these over prior to sign up but was told there was no need by ******* ******** Please provide the address they should be sent to and they will be sent immediately.

Business Response: Our understanding is that all documentation needs to be sent in through the BBB. Please send the requested documentation through the proper lines

1/28/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was sold to use EPS as my merchant service provider so I left my other merchant service for EPS. EPS's service did not live up to their promises. Below is a portion of my cancellation/explanation letter to EPS. FR: NW Productions, LLC / Pageants NW ***** *** ***** Merchant # 2209071 You had great customer service to begin with and your sales team obviously did a great job of selling me with the rates/term that was pitched to me. So I cancelled and switched from my current merchant service company (at that time) and signed up to accept your merchant services at the end of March, 2012. Then it took your technical department a lot of time from a few hours and then into days to get my terminal to work with your software. I had my first transaction on 4/5/12 which I thought went through fine. At this time, I noticed that my address was incorrect so I called your technical department to fix it which took hours and then it took days to fix. I then had my next transaction on 4/24/12 in the amount of $1395. I received an email from your risk department on 4/27/12 stating that EPS determined that 10% of my deposits would be held in a separate Reserve Account which I knew nothing about and that no one had explained to me upfront about. Also on 4/27/12, I was emailed a form that was mandatory for my customer to fill out before the $1395 would be deposited into my account. I spoke with my customer about it and she got frustrated that she needed to fill out this additional information especially since we had done business in the past with her same credit card (but from my old merchant services company). In the end, she asked me if she could just write a check or give us cash instead of having to go through the entire process of filling out this paperwork and faxing it to you. I accepted her wishes and I called your risk department to cancel the transaction. It then took an entire additional week before it was actually followed up on from your end. All in all, I had horrible service from your company. At the end of April, 2012, I let your risk department know that I wanted to cancel my agreement with you and decided to go back to my original merchant services provided who actually offered me even a better agreement than what EPS offered and since it was still within the 30 day period of canceling from my old merchant, it was quick and easy to get back on with them. I did not receive any small print information on the agreement stating anything about the length of my agreement with you. I was told by your salesperson that I would have a month to month service with no other contractual obligations. I expect this to be done immediately with all charges from my Key bank account to be credited since my cancellation from the end of April, 2012.

Desired Settlement: I got a call from a collections company called Greenberg Grant & Richards (****** *****) stating that I needed to pay the collections (from you - EPS) and if I paid immediately, I would be completely done with the entire EPS thing. I paid $343.50 IN FULL on 11/5/12 over the phone to Greenberg Grant & Richards with my card. Approximately 6 months later, I received another call from Greenberg Grant & Richards stating that I owed for collections in the same amount and from the same person. I told him (Joseph Jones) that I already paid them. He checked their records and agreed that I had already paid them and wasn't sure why he had a note to call me again. Now on 9/15/15, I received a call from a company called Tucker Ablin (*** ********) saying that I needed to pay for the collections from EPS for an amount now double the last amount. I explained her her that I already paid the collections in full and she has now asked me to prove it. If this doesn't get resolved immediately, I don't have any other choice but to file suit against you as now it's not about money. It's about principle!

Business Response: In March 2012, the merchant signed a 1 year agreement for merchant services with EPS through an agent/ISO office based in Arizona. Our corporate office enters the information in the system based on the information provided and signed into by the merchant. The merchant did sign the agreement stating he received and read the terms and conditions of the agreement (page 2 under Personal Guarantee/Acceptance. The merchant was placed into collections on November 1 2012 for the amount of $538.50, the remaining terms of the agreement signed into.

Business Response: I requested our client services review the collections. It does look like the account was requested to be removed some time ago, they are filing a letter now stating that the account has been removed and paid in full. Once this is received, I will forward for your records.

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 11031105, and find that this resolution is satisfactory to me. Although had I not continued to pursue this matter by taking a lot of time, effort, phone calls, BBB complaints, and on-going persistence over the past several months in getting this resolved over a couple hundred dollars by which this company used deceptive practices (with their sales department) in my opinion, this whole situation would still be unresolved. I was ready with an attorney to go after this company should all else fail. To anyone that gets a sales pitch from Electronic Payment Systems, LLC, be very careful about switching over to them with all of their promises.

Sincerely,

***** *** *****

12/1/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: False advertisement for a cc lawsuit that ended up as a new contract not asked for. In November 2014, EPS called our business ****** to ****** ********** stating that we were eligible for a cc lawsuit. The following day we received a new cc machine and contract for there service that we did not even discuss. I tried to contact **** ********* the person who had called orginally, she stated that it was going to be mandatory for this service by the end of 2015. I asked to speak with ***** ******** the office manager,with no response for a month. I had spoke with another rep **** at the business, who had stated there have been many complaints on ***** for not returning calls to there customers. The following monthly fees are taken out of checking $59.90 monthly, $8.95 warranty fee, misc. tax fees, annual fee of $99.50, they stated the services fees would be charged to our customers. My statements do not match with theirs on fees and charges. Our customers are not happy with the fees being charged to them. We have never had any problems with our prior company or outrageous charges. I have checked with other cc companies that have not heard of the so called manadatory change to charge customers the fees, and that our fees are higher than most. We have been very frustated with this company and we feel were taken advantage of by them falsely stating that we were eligible for a cc lawsuit. There has never been anything received on this. We would just like them to let us out of this contract with no additional charges or fees. We are very unhappy with the service they have offered, and I have tried to contact them several times for assistance, and have had nothing but trouble. Thank you for taking the time to review our complaint.

Desired Settlement: We would like them to let us out of the contract, with no additional fees or charges.

Business Response: Initial Business Response /* (1000, 6, 2015/07/29) */ EPS had cancelled the account for processing services as of July 2015. No further charges will be placed. Initial Consumer Rebuttal /* (3000, 9, 2015/08/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I want to know that we are totally free of this contract including the credit card machine with no charges and if we are would you like your credit card machine returned. Final Business Response /* (4000, 25, 2015/11/11) */ I am not sure what is going on here. The merchant had requested from our customer service to return the equipment to the business on 10/07/2015. Our records show that the terminal was sent back using FedEx tracking number XXXXXXXXXXXX. which was delivered and signed for on 10/13/2015 @ 3:05pm by ********** Final Consumer Response /* (4200, 27, 2015/11/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) On 8/14/15 you had stated that for the lease to be fully cancelled, I needed to return the terminal to you. I had returned the terminal to you in August 2015. I assumed that my contract was fully cancelled. I was and am still receiving monthly fees from ***** **** for the lease agreement. When I called EPS about my terminal the lady I had spoke to stated that the terminal was there. I requested she send it back to me until this matter was resolved. EPS did not send the terminal back to ***** ***** I was told by FIrst Data that we could not cancel the lease. I feel EPS is responsible to cancel and pay off that contract due to false advertisement.

12/1/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: False sales practices, misrepresenting services, billing without services provided, cut off communication (verbal and written). We are a new business and we were cold-called by a sales rep. False statements: -He stated that they had a POS system accessible online that we could use with a pad. -He also stated they could integrate our Surface pad with their terminal, and -They could integrate with the electronic cash register we ordered online. What was not stated until after the contract was signed, was this could NOT be done, and IF they tried, it would be 60-90 days of effort, minimal. We learned all of this from the tech during the 'installation test' and again when we called to cancel and send back the equipment. We returned all of the equipment. Two days before the installation test, we were charged $108 after being told we would not be charged until after 30 days of service. When asked to have that returned, the cancellation rep stated he could give us a 'courtesy refund' but only if we kept the service. WHAT SERVICE? We attempted to contact the sales rep for three days and was surprised that we could not reach him. He called us almost daily with great cheer to get the contract signed and to rush us to test the install even though our shop was still under construction. We are awaiting a call from his manager. Looking at the other reviews, it appears we're one of the new businesses they have taken advantage of with their practices.

Desired Settlement: We are asking to have the contracted voided. We have not had one day of service since our SHOP IS NOT OPEN. We are willing to pay a cancellation fee, just to get out of any business relationship with them.

Business Response: Initial Business Response /* (1000, 4, 2015/08/19) */ The original agreement signed by ***** **** was for Merchant services along with the equipment discussed of 2 countertop processing terminals. In the discussion at the time of signing the merchant did advise of a POS system which is why it was requested to have an EPS Gateway for inventory control. It was only advised during the install attempt, after the agreement was signed and the equipment was sent that they intended to integrate the teminals to the POS system, our tech support advised that we could attempt to integrate, but this would take 60-90 days. It was later that the merchant stated they wanted to use Surface tablets for the processing. The merchant received the equipment requested on 07/21/2015 and was active the the merchant processing agreement on 07/20/2015. Emails were sent to connect the gateway to the POS system, however that is between the merchant and POS provider to integrate, as EPS only works with the actual hardware. The merchant confirmed receipt of the equipment on 07/21 but was too busy to install there were several calls from the 21st of July until August 3rd when we were advised that the merchant was on vacation and set an install time for Thursday 08/06. On 08/06 The merchant had requested that we send out a new piece of equipment ad the equipment previously sent would not work due to no phone lines. EPS Sent out 2 more units and these were received by the merchant on 08/07. It was this date that the merchant advised of the Surface tablets and needing the terminals to integrate with the POS System. Due to the cost of shipping, time spent downloading and reprogramming equipment, the initial set up costs and the agreements signed, EPS provided the merchant with a buy out on 08/12 of $1,100.00. The credit card authorization was sent to the merchant with the following terms::::To *****, I have been forwarded your email in regards to cancellation of your merchant account with EPS. If you would like to buyout your contract EPS would need to receive a payment of $1,100.00. You currently have 23 months remaining on your agreement and the fee is $35.00 per month. You are also responsible for an early termination fee of $295.00. In the attachment above is an authorization form to buyout your contract. Highlighted below is section 3.5 A-D of our contract that covers the Terms and Termination policy for this agreement. 3.5 Terms, Termination and Terminated Merchant File (a) The initial term of the Agreement shall be two (2) years commencing on the date of approval of this Agreement. Thereafter, until cancelled in accordance with this Agreement, the Agreement will automatically renew for consecutive two (2) year terms. (b) EPS may terminate this Agreement at any time immediately and without notice based on any of the reasons noted in Section 2.3 or if EPS discovers any inconsistencies or misrepresentations (as determined by EPS in its sole and absolute discretion) on the Merchant Application. (c) Merchant may terminate this Agreement with a ninety (90) day written notice to EPS prior to the completion of the initial term or any renewal thereafter. (d) If Merchant terminates in a manner other than what is described in Section 3.5(c), Merchant will be subject to an early termination fee of $295 plus the standard fees associated with the Processing Agreement for the number of months remaining until the completion of the full term. If the equipment is returned in good condition then you will not be charged for equipment. Your equipment was never completely installed so the lease was not put into effect. If you have any further questions or concerns, please don't hesitate to contact me. Initial Consumer Rebuttal /* (4200, 13, 2015/10/19) */ Duplicate complaint CID# XXXXXXXX We were billed 9.95/month for two months in error. When a refund was requested, were told "the owner said no" by the customer care representative". This year we were forced to pay a contract with no service being provided. We filed the case (BBB Complaint Case# ******** (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXXX)) and it was falsely settled by the business and the BBB. We are now forced to pay $35.00/month for no service provided and we are paying that. For the past two months, the company billed an additional $9.95 per month in error, as they have admitted on two separate calls. They stated we will no longer be billed and it was their error. When we spoke with them today October 19, the representative stated "the owner said a refund will not be given". We demand they refund the money that is owed. Desired resolution: We require the two payments of $9.95 is returned to our account as it was an error and they will not substantiate the charge. They would only admit the it was their error and we will not be charged again. However, according to the owner, we cannot receive a refund. Final Business Response /* (4000, 19, 2015/11/11) */ I would like to point out to the BBB that ***** **** was the party that was spoken to and the agreement was signed by, Not ******* ****. ***** signed the 2 year agreement for merchant services and equipment Lease. Although EPS made every attempt to assist the merchant for installing the equipment that Mr. **** signed for, even at the initial install stating the equipment would not work and EPS sending out another option. The merchant is not held to the lease, but is being held to the processing agreement signed. There was no misrepresentation, just a lack of communication of which EPS was not informed until after shipments and several installation attempts. Final Consumer Response /* (4200, 21, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) ***** and ******* **** were both on ALL conversations with the sales team member R****** prior to contract signing. ***** and ******* were both called repeatedly, daily with pressure to install even though the store had not opened. ***** and ******* **** were both witness to the conversations IMMEDIATELY after installation stating that the systems WAS compatible with the electronic cash register and notebook we were ADVISED to purchase by R****** and the 'manager would give us the code after he returns from lunch'. ***** and ******* **** were both ignored when phone calls were placed for several days to get the code and were both told by a customer service rep that the system would not be compatible without extensive work. This is ABSOLUTELY misrepresentation and should not be allowed to continue. FALSE SALES TACTICS AND THEFT BY CONTRACT.

12/1/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I closed my account Sept 11, 2014 and was told this was my last charge. Was debited $99.50 May 8, 2015, then told I would receive refund in 2-4 weeks I used EPS for online supplement sales until the manufacturer's platform changed. I informed EPS that I was discontinuing service and the last debit to my account was to be $29 on 10/3/2014. I had cancelled in April 2014. On 5/8/2015, I was debited $99.50, called and spoke with ***** (not longer employed there). He requested that I fax a copy of the debit from my bank and was told by ***** ********* that I would receive a refund in 2-4 weeks. I spoke with him again early August and the story changed, stating that I was billed for 2014 in the amount of $99.50 and would not receive a refund. I have tried to call the CFO and owner to no avail.

Desired Settlement: I am seeking a refund in the amount of $99.50 for the amount that was debited from my account.

Business Response: Initial Business Response /* (1000, 8, 2015/10/13) */ The merchant signed an agreement in march 2005 for the processing services. one of the fees is the annual processing fee. This fee is deducted at 99.50 each year. since the merchant was active until May 2015, the annual fee is charged. This fee is not refundable and cannot be pro-rated. Initial Consumer Rebuttal /* (3000, 10, 2015/10/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for respionding. I was given two sets of different information last year and this year. When I cancelled in March of 2014, I was told that I would be billed for an additional month and cancelled in April 2014. I then received an update when billed again in 2015, being told that I was erroneously billed and would receive a refund with a month. Three months went by, I called again and was this time, given adifferent response stating that I would not be refunded due to having an account into 2015. I do not agree with th company, nor their customer service representatives, who have given different information. My initial contact, ****** is not longer with the company. I look forward to your decision. Thank you for your time and assistance. Sincerely, ***** ******* Final Business Response /* (4000, 15, 2015/11/11) */ Can the merchant provide proof of cancellation in 2014 to our office? This would need to be a response to a cancellation email, response to receipt of a fax from one of our internal reps, or certified signature of a letter being received by our office? Final Consumer Response /* (4200, 17, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have only the response indicated in my attachments, as I called the company when I was erroneously charged and was told that I would be refunded. This was all via phone conversation. Apparently, due to change in staffing, the promise of a refund will not be honored. I disagree with the company's position, but did not request proof in writing at the time.

11/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They cancelled us right after they approved us and have refused to release the funds to us. We applied and got a letter and verification we were approved with the company for a merchant account. Three weeks later they decided our company was too high risk and just stopped allowing the credit card machine to work. When we contacted them they said it was cancelled and they REFUSED to give us any verification saying it was cancelled. They have ran our clients cards all the way back in March for $3229.23. They said they are not going to release the money or give us a letter which in turn has made First Data who is the carrier of the Machiene charge us $63.71 a month. When we told them it was a requirement to say they cancelled us for the First Data to cancel they said they dont care and they will not give us one. They also have not given us any of the money we have earned which is BEYOND ridiculous.

Desired Settlement: I want our funds given to us NOW and I want them to also refund ***** ***** charges for 8 months of 63.71 per month. I want them to cancel first data from charging us any further. It is ridiculous.

Business Response: Initial Business Response /* (1000, 4, 2015/11/11) */ The merchant was approved for services, after an in depth review of the transactions, the processing bank declined services due to the high risk of the account, as title loans are known as predatory lending due to high interest rates. Although the merchant was cancelled with our bank, the lease was a separate agreement signed, the equipment can be used with any other processor for services.

10/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: this company withdraws money out of my account under claims they did not make clear to me when signing up. we stopped doing business we them yet are still withdrawing money and are very rude and hang up everytime we call.

Desired Settlement: DesiredSettlementID: Other (requires explanation) See Complaint Text

Business Response: Initial Business Response /* (1000, 4, 2015/09/22) */ EPS just received notification of this today 09/21/2015 when we were provided with the updated system. EPS Shows this account has been cancelled for nearly 2 years, with no billings. We would be happy to address this issue if the merchant can provide specific detail to the charge. Thank Initial Consumer Rebuttal /* (3000, 6, 2015/09/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) This complaint was entered over 2 years ago. Pull up the files & it will CLEARLY show we cancel & were continued to be charged. Final Business Response /* (4000, 8, 2015/10/12) */ The consumers information provided is very brief. I am not sure about charges as I can see the account has been cancelled since October 2013 (over 2 years ago) I do not see any charges since that time on the account. We would like to review further, however, need more detail that the merchant has provided.

10/26/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Receive phone call stating our account has been approved and mailed us a terminal, immediately cancelled our account leaving us to pay 5 year contract We were in the market for a merchant account for our business. We received a solicit call from a representative from EPS stating "Great news, we have approved your merchant account", and we will be sending you a card terminal to process payments overnight. At this point we did not provide EPS with ANY company verification documentation on our company, which was very different than any other merchant company i've ever dealt with. We were instantly approved in violation of the Colorado State predatory lending act § 5-3.X-XXX(X)(g)(III). They sent us a Dejavoo credit card terminal within 24 hours via FedEx to our Portland, Maine office. Instructions in the box said "once recieved, plug into internet router, then call EPS to activate terminal". We contacted EPS as instructed and they said RISK DEPARTMENT has now decided to close the account and any payments we have processed will be held for up to 1 year. We processed 2 payments in total of $4,000 for 2 client's case. While on the phone with Risk Department the next day after receiving the terminal they mentioned the $4,000 we have processed will be held for up to 1 year and our clients will have no access to their funds, and will not be refunded.EPS has gone ahead of all credit card companies Visa/Mastercard and Banking associations and held funds even after clients initiated a chargeback to EPS. EPS has moved the funds to different accounts, laundering our clients monies. Still to this day 10/1/15 our clients have still NOT received their money from EPS. Resulting is a loss of revenue of over $10,000 dollars to A Plus Consulting. EPS/First Data has thrown the cancelled account to collections ****** & ********* for the 5 year contract they stated we signed and still obligated to pay account approved or not. Even though they cancelled our account we still have to pay for the 5 year contract on services that are not rendered. They sent us contracts and agreements for another company (First Data), claiming they are the account holders. They fraudulently charged our accounts and now illegally holding our clients funds. The terminal equipment was sent back via "Certified Mail" back to EPS within 48 hours, which ***** ********** Manager stated today they have received the equipment and we are now subject to pay a $5,000 loan lease agreement for services that are not being provided. We have tried to contact First Data and EPS numerous times to work with us and to come to a amicable resolution regarding this matter. After speaking with Manager ***** ********* today TOLL FREE XXX-XXX-XXXX ext ***** ***** said we have no options but to pay on the 5 year contract which is NULL & VOID. This seems to be a pattern with the complaints on EPS BBB Profile, holding merchant account holders monies for 1-2 years, locking you into a 5 year contract with no services being provided.

Desired Settlement: We have been reaching out to EPS and First Data to come to a resolution to this matter, in efforts to cancel the account and clear the Equipment Lease that EPS initiated back in December 2014. EPS cancelled our account within 48 hours and the lease agreement should also be cancelled. We do not believe in paying for services that aren't being rendered. We do not have EPS or First Data equipment on site. Nor do we process payments through their company services. Before seeking legal action we would like to give EPS First Data another opportunity to resolve this matter. We can be reached at XXX-XXX-XXXX DIRECT LINE

Business Response: Initial Business Response /* (1000, 4, 2015/10/12) */ The consumer filing this complaint is not the owner/officer provided on the paperwork. We cannot release information on the merchant account in question to anyone other than the signer of the agreement. EPS is asking the Denver BBB to withdraw this complaint.

10/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was mislead by the representative and slammed into a 4yr. contract that I did not agree to. on august 4 2015 a sales rep. from e.p.s called they told me that the government was offering a special deal to small businesses on there credit card processing and I maybe eligible for this special offer .I was very busy that date but the person told me it would only take a couple of min. to find out if I was eligible .he asked n=me if I was near a computer and I said yes so asked me what my email address was and I gave it to him he then told me to open the email he had sent me I opened the email and it brought me to there web site where he showed me what he thought would be my % rate for processing with them and how I could charge my customers 4% processing fee for using their credit cards and I told hem that I did not want to have to charge my customers in order to save on credit card costs then he directed me to go back to my email address to see if I qualified for this government discount on my processing fees. I then went back to my email and opened the new email he had sent me. I then told him I was out of time and needed to go back to work. he asked that I give him two more min. when I opened the email it had a attachment he asked that I open the attachment I opened the attachment and found I was looking at some kind of application I told him I was not ready to change company's and he assured me that this was only to find out if I qualified for this government special rate being short on time he said for me to sign in a couple of places so I did so then I told him I really have to go and he told me he would get back to me later the next day I received a package from them I tried to get a hold of the person that I talked to the day be for and they told me that he was out sick and they would have some one else call me back. then the next day a person calling him self a supervisor called me back and I also explained to him that I wasn't ready to change credit card processors and I most definitely did not want to have two of them . he asked me what thing I would want to leave the processing company there's no way I would change with out getting out of my current contract the asked what the amount was for my contract I told them that I would check and get back to them as soon as I could find out it took a couple of day to find out what that amount was I then called back and talk to some lady and told her I new what my amount was to buy out my contract she said the person who make these decisions was out but mite be back tomorrow she told me that she would pass ** the message to her the week end came and then on Monday the supervisor ***** ********* called from the company to tell me that I was approved for them to pay off my other processor I then asked him some question about how much it was going to save me from my current processor and he say that they had not received any of my statements from the other processor I then faxed over three statements from my current processor and also asked that he send me something on paper that states that they will pay off the 1300 dollars to get out of my contract he said that was fine and he asked me if I would get back to him when I had time to look at his proposal several days went by I was very busy I took a look at there proposal and did not find enough saving to go though the change and then I looked at my checking account and found that they have charged me $ 40.71 processing charge

Desired Settlement: I then tried to get ahold of the supervisor ***** ********* that had been talking to me it took two more days about ten calls a day to finally get ahold of him when I did get a hold of him and I asked him why they where charging me a processing fee when I had not agreed to process with there company and he told me you signed a contract and I would have to pay the penalty's for canceling a four year contract and it would cost me some where around 4000.00 dollars I told him I had sent his equipment back and I never even processed a dime with his company he said yes I see you sent the equipment back and we returned it to our stock but that doesn't matter you sign the contract and all contract's are final I told him that when I was filling out this contract that his sale man said he just need this info to see if I qualify for this government rebate he then said that he doesn't know of any rebate and why don't I fill out a mortgage loan while I'm at it then he told me I would also be charge for the lease on the equipment on the 9/20/2015 of 69.95 all I want is to no longer be charged by this company for processing and rental of equipment I don't even have

Business Response: Initial Business Response /* (1000, 5, 2015/09/29) */ In review of the documentation signed by the merchant, a 2 year agreement, it speaks differently. Although the merchant willingly signed for services, received equipment and negotiated different terms, EPS will cancel the agreement.

9/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company used dishonest and fraudulent business practices to get me to sign up for equipment that was overpriced and oversold. EPS committed fraud and was deceptive in their sales practices and contract disclosure. They completely oversold their product and equipment charges and added extra charges outside the contract guidelines. I have contacted them directly Rachel--and asked for resolution--to date I have not received the courtesy of a reply.

Desired Settlement: I want the entire amount of the contract refunded back to me of $4600 and all charges stopped immediately. I also want the BBB to review the B rating of this business.

Business Response: Initial Business Response /* (1000, 6, 2015/09/08) */ I see that the agreement was cancelled on 08/04/2015 per the end of the merchant processing agreement. I do not show the merchant was ever charged the amount of 4600.00 for the merchant services.

8/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: EPS arbitrarily extended my contract for one year on the last day of the contract without my consent. Then billed me for that entire year. EPS arbitrarily extended my contract for one year on the last day of the contract without my consent, Then billed me for that entire year. They send the bill to an extremely aggressive collection agency.

Desired Settlement: I want them to nullify the bogus charges.

Business Response: Initial Business Response /* (1000, 6, 2015/07/29) */ EPS has been unable to find a merchant account associated with any information the consumer has provided. EPS is requesting a business name, email address, and Merchant ID number to complete review.

8/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Since 2008, when my account for my named ***** **** ****** *******, **** was cancelled, the company has been continuing to charge me. The company has continued to charge my account number ********** (PNC). The manager, ***** ********* has admitted that they owe me the money. I faxed him a sheet and on May 13, he submitted it to the ones who would take care of returning my money. Even after that, the company is still charging me. They charged me last month. No one has returned my calls even though they said they would. ****** and her assisance, ***, both have worked with me. Others are ***** (sp?). No one has gotten back with me.

Desired Settlement: Return of my money of $3150 and stop charging my account of ***** **** ****** ******** **** Note: my business was sold back in February 2015.

Business Response: Initial Business Response /* (1000, 4, 2015/07/28) */ EPS has records showing that the first time the merchant has contacted our office to cancel service was in May 2015. On May 11 2015, EPS had received the requested cancellation letter, and the merchant was advised that due to the agreement signed, the contract would not be cancelled until April 2015. The merchant stated that she has not processed and wanted a refund for past fees from 2010 to present, this refund was declined due to EPS not receiving notice to cancel until May 2015. The merchant then requested 6 months refund, again, the refund was denied. The merchant then contacted our office about still being billed in June. Merchant was advised again of cancellation policy and contract until april 2016. the merchant placed a stop payment on the monthly fees of $35.00. At this time the merchant has been sent to ***** and ****** for collections on the amount remaining in the contract for EPS of $350.00 plus any collection costs associated with ****** and ******

6/10/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: EPS gave out false information about doing business. They withdrew money. Never fulfilled their obligation to refund. In August 2014, my husbands business was contacted by ****** ***** about doing business with EPS. After speaking with him I was told by Mr. ***** that they would have to run a credit check on my husband with no obligation to make sure he would be able to work with EPS at which time I also advised him (Mr ****** that I did not and would not pay anything if it was going to cost my husband money to get out of his original contract. He simply stated everything we did including the contract was temporary. I asked numerous times that if we didn't agree with this were we held liable only to be told NO that at any time this so called contract would not exist and was null and void. A day later without consent from my husband or myself we received a new credit card machine. I immediately called and advised them we did not want this because it was going to cost my husband 2500.00 to get out of his original contract and that we were not doing business with this company. The next day my husband received a threatening law suit phone call from the President of the Company **** stating he had to return the machine. I again immediately called **** back and had a two hour conversation telling him that we were not going with his company and there was NO CONTRACT. He advised me that he would send me an email showing me exactly how much money he could save my husbands business within 24 hours and if I agreed with what he represented then we were to move forward and if I didn't then we would PART ways and make like we never met and NO MONEY WAS OWED!! Needless to say I never received the email and money was electronically being withdrawn from my husbands bank account without authorization. I called **** back the next day and demanded that he STOP taking money from my husbands account, however I was told by ***** that they would refund the 80.00 that was taken. Two months later in November 2014 monies were still being withdrawn and I again contacted the company, again only speaking with ****** and being told that the only way the account would be closed was I needed to fill out the cancellation letter which I did and emailed back to him the same day. The machine also had already been returned to them 2 months prior. ***** also left me a voice message which I still have stating that he received the cancellation letter and would have the credit issued. One month later December 2014 more money is being taken out and no credit issued. I called the company 4 times in one day to speak with either **** or ***** and was unsuccessful in speaking with either of them but was told by another sales representative that there was not going to be a refund and that we had a contract which I emphatically disputed. In December I had put a stop payment on this company and in February received a call that they were looking for 1000.00 from a so called collection agency. Again I strongly disputed and tried once again to call and speak with **** at EPS to no avail, also tried to call the woman from the collection agency to advised I was unable to reach ****. A month has gone by and April 2, 2015 received a letter from this collection agency now stating that 1200.00 is owed. I have made numerous telephone calls to EPS which I have saved and have recordings of my conversations with Blake and **** about how we were not liable but yet he still comes back at my husband and threatens him to pay. The companies ethics is deplorable and they should train their sales reps to not state things that are not true or beyond their control. EPS should also take a course in customer service and how to speak with someone or simply just answer their telephone calls. As a president of the company **** should be accounted for his statements and lack of sending emails and speak with the customer instead of having someone else do his dirty work to advise that my husband's business and I have a so called contract, when he knows that we really don't.

Desired Settlement: The desired resolution we are seeking is that they null and void the 1200.00 they are asking for and never contact us again and we both part ways like we never met in the beginning. They are not to contact us any longer and correct my husbands business credit with the credit companies.

Business Response: Initial Business Response /* (1000, 4, 2015/04/09) */ Unfortunately, the merchant never provided a business name, phone number or Merchant ID number. Nothing populates when entering the information the merchant did provide. to further review, EPS requests that the merchant provide the business name, phone number & Merchant ID number. Thank you Initial Consumer Rebuttal /* (3000, 10, 2015/04/20) */ From: **********@verizon.net (mailto:**********@verizon.net) Sent: Monday, April 20, XXXX X:XX AM To: Sean Doyle Subject: Re: Re: Complaint Case XXXXXXXX Good Morning Sean: Attached you will find copies of my husbands bank statements showing where EPS had withdrawn money, along with an email from one of their employees stating he attached a cancellation letter to cancel the account which we filled out and sent right back to them. I have also attached a copy of an email that I sent to them back in December requesting that they close this account. If you have any further questions either email me or call me directly at XXX-XXX-XXXX. Thanking you in advance for all of your help. Sincerely, ****** ******** Final Business Response /* (4000, 18, 2015/05/13) */ A response was sent to Sean at the BBB- images are not legible, also other information was provided. Final Consumer Response /* (4200, 20, 2015/05/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) After further review of what EPS had to offer, there are many discrepancies in their account and mine. first ck and drivers license issued as proof to only ck the credit report as stated earlier in complaint and it we agreed then all paper work would be in so there again not agreeing with fact that it is a contract. EPS stated they left voicemail's on 9/10 couldn't phone doesn't have voice mail more the other way around where I left numerous messages for **** and ***** to not have them returned.Also if they left messages why did they state prior they didn't have number or name of merchant.Also stated EPS was buying out old contract ***** was told NO due to fact going to cost my husband 2500.00 for old contract plus pay EPS so he was paying double as I stated previously EPS stated they talked with ******, this only occurred when **** called demanding his machine back again as stated previously. EPS stated they got their machine back a month later but it was due to the fact they had advised they were sending tracking number which they never did until then, upon receiving the email with tracking number the equiptment was returned the same day and Blake was advised and informed me a credit would be issued, (again stated previously). EPS then goes on to state they didn't receive the cancellation letter until 11/11 again not true, it took me until 11/7 to finally have ***** email me the form, which again was scanned and emailed back the same day (11/7) and advised again by ***** upon receiving this cancellation letter the account would be credited. EPS states that they did not received notification of a stop payment until 1/12/15 when the stop payment was put into effect 12/19/14 by our bank. This stop payment was put on after NUMEROUS ATTEMPTS to reach **** or ***** and not having anyone return my phone calls. If anyone here has left messages and not had calls returned it would be me, which I have documentation of how many times I have called this company only to not have anyone of importance or who was suppose to be in charge of this account answer me, until they weren't getting their money anymore. Again as stated EPS claims they never had certain information about the company but when it came time to take out money or send to a collection agency as they did in February they knew exactly how to get a hold of my husband. Complaint Response Date bumped because: Holiday

6/10/2015 Delivery Issues | Read Complaint Details
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Complaint: EPS has continued to charge us a monthly fee for a service we have not received. We initially signed up to use EPS services in December of 2013 but never used it and cancelled the service. Our merchant ID with EPS was XXXXXXXXXXXX. After months of still being billed we sent a formal cancellation letter to ***************@eps-na.com in September of 2014. The monthly charges still continued. We contacted them by phone in May of 2015 and they told us the charges would continue until September 2015 even though we were not receiving any service from them. Each month $35.00 is taken from our Bank Of America bank account by EPS.

Desired Settlement: We would like the charges to stop and be reimbursed for the months of charges we've had to pay for not receiving any service from EPS.

Business Response: Initial Business Response /* (1000, 4, 2015/05/21) */ Mr. **** signed an EPS merchant processing agreement through an outside sales representative on September 27 2013. To validate the agreement, the merchant provided a copy of a voided check for deposits and withdraws for the services as well as a copy of the drivers license. On October 30th (over a month after signing the agreement) the merchant contacted our corporate offices and requested to be placed on a seasonal status for 4 months until he gets the business going, meaning that there would be no monthly billing fees for the processing services at the time of seasonal status. As a customer courtesy The account was placed on seasonal status and reactivated in Feb 2014. On March 3rd, the merchant contacted our office again questioning the billing, the representative reviewed the agreement and the seasonal status request. The merchant said he would call us back on March 5th the merchant called asking about amex fees and terminal questions, again he would call us back, on March 10th the merchant called to cancel services- the merchant was advised of the cancellation policy and the agreement signed in 2013. The merchant advised he would call back to speak to the manager. The next call was september 18th to cancel services and wanted a refund for all monthly billing merchant was again advised of the agreement and cancellation procedure. EPS did finally receive a cancellation letter 09/25/2014 and the contract is dated to end 09/2015. The merchant called in on 05/04/2015 to review these terms again with our management team. Initial Consumer Rebuttal /* (3000, 6, 2015/05/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) EPS gave us no explanation of recurring charges if we cancelled. And they are still unclear regarding what will happen when th contract is dated to end in September. Final Business Response /* (4000, 8, 2015/06/08) */ When the merchant called in, they were advised the terms of the agreement signed. This includes the cancellation policy and procedure. The merchant also signed agreeing to, accepting, and understanding these terms when signing the agreement. The BBB also states the EPS cancellation policy and procedure under our review with the BBB. The contract will end in September 2015, at this time the agreement will be complete and no further monthly billings will take place.

6/1/2015 Problems with Product/Service | Read Complaint Details
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Complaint: This *** company lied to me about there services on merchant credit cards services told me that there contract for merchant services will so much money and that's it...I called them ,,,left messages ,,told them all the problems,,,still no reponse from them or call back ,,,Now I have a another merchant services on my credit account that I didn't authorize to why there on there... Product_Or_Service: Credit card processing Order_Number: rel code 6901 app # Account_Number: ***-XXX-XXX / Mer #

Desired Settlement: DesiredSettlementID: Refund Close out account ,,pick up there product...Done deal...I hate companys that lie to business to get over on them ,,and when its done stick it to them

Business Response: Initial Business Response /* (1000, 6, 2015/03/31) */ unfortunately, the merchant is providing very limited (and quite confusing) information. According to our system the merchant (***** *******) signed an agreement with *** for processing services and Signed into a lease agreement with ****. The merchant was approved for services on 02/23/2015. The merchant did use the system to process credit cards ( A little over $2400.00) and receive deposits for these transactions. He did call in to go over fees with *** and to review deposits on the account. He has made threatening calls in to office with the last call dated 03/18

5/12/2015 Delivery Issues | Read Complaint Details
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Complaint: we opened an acct with them in 2006 and called end of 2014 to find out ending contract, told me to fax notice, I did but it was 87 days, not 90 we opened an acct with them in 2006, business has slowed down for us in the last 2 years, so I called the end of 2014 to find out what I needed to do end our contract, they told me to fax a request the first week of feb 2015, as that would be 90 day notice and that's what they request, I did but when I called to verify receipt of the fax they told me it was submitted 87 days before contract ended, not 90 days! I told them to look at the use, we have not used it much at all in the last year and we are paying them $45/month. since it was not 90 notice, they automatically signed me up for another year contract, so now it goes until may 2016.

Desired Settlement: I want to end the contract in may 2015 as I faxed the requested info in the time frame that their customer service rep told me to (first week of feb), not be another year contract, business is closing and we have more than fulfilled our contract, being with them for almost 9 years.

Business Response: Initial Business Response /* ****** ** *********** */ The consumer needs to provide proper information for our review. Please provide Business name, Merchant ID number and business phone number. Thank you Initial Consumer Rebuttal /* ****** ** *********** */ (The consumer indicated he/she DID NOT accept the response from the business.) business name is Bodyz USA Gym in Flint, MI, associated phone numbers: XXX-XXX-XXXX, XXX-XXX-XXXX, XXX-XXX-XXXX. Business owners Shannon and ******* ******. I can provide merchant # if needed but not going to post for public to see on website Final Business Response /* ****** ** *********** */ EPS does require a 90 day notification to cancel services. EPS will have this account cancelled For the May 2015 date. Keep in mind that the fees for the month of May will be debited in June 2015. If there are any questions please feel free to contact me direct at the information provided. Thank you.

4/30/2015 Delivery Issues | Read Complaint Details
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Complaint: Ray ****** came into our Auto Repair Shop and told us that he was there to do an upgrade. We didn't even have any credit card machine to begin with but he knew that because it was all part of his scam. He explained about his services to me and my father who is the owner but speaks very little English. I took off to pick up my son from school and when I got back my dad had already signed the contract. I started reading the contract and Ray took it from me and proceeded to tell me that he would explain it to me. He "explained" the contract to me the way he wanted to and I asked him "what if we are not satisfied with your services"? He replied you have 30 days to cancel". Almost everything out of his mouth was a lie. We didn't get a copy of all the documents my dad signed. The rates we got were ridiculously high and that was not what we had agreed to. Around the second week the machine was not working properly so I called Ray, he said "give it a couple more weeks to fix it self". I called the E.P.S office and that's when I was slapped with the reality of things. My dad had a 4 year non-cancelable contract with FIRST DATA and a 2 year non-cancelable contract with E.P.S totaling a buyout price of $5,293.30. ***** ******** from E.P.S told me that his company was not responsible for whatever third party merchants say or didn't say. He also told me that there was nothing that I could do but stay with the contracts or buy out of the contracts. What a horrible company. I called Mr. ****** many times but no answer or returned calls from me leaving voice mails. When I would call from a different number he would answer then hang up when he found out it was me. E.P.S was not able to find my account on two different occasions that I called and wanted to cancel. ***** ******** was who I spoke with the most. He told me that he was the manager and there was nothing that I could do. They hire scam artist to do their dirty work and then they wash their hands saying "they have nothing to do with our company". WOW. Product_Or_Service: Merchant Services

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to cancel the contracts without them charging me the $5,293.30. The machine is $300 and they want to charge me over four thousand to lease it, that's ridiculous. We were lied to and how did Ray communicate with my dad if he doesn't speak English? I consider this company to be a fraudulent company that takes advantage of honest hard working people. We trusted in their representative Ray ****** who is a liar and a scam artist.

Business Response: Initial Business Response /* ****** ** *********** */ The merchant was approved with EPS processing services Mid January and processed and received deposits for over 1300.00 (in less than a month of processing. Our agreement clearly speaks for itself. All fees are located on the front page of the agreement where the merchant signs 3 times, accepting the terms and rates associated with the agreement. If the rates were not agreed upon,when the agreement was reviewed, why utilize the services and run credit card transactions through the terminal? The merchant did refuse the lease payment that was originally agreed to, and the amount of the lease is currently in collections with Tucker & Albin. The merchant may contact their offices to settle the collection matter for the lease. The merchants processing account has not been noted as delinquent at this time. Initial Consumer Rebuttal /* ****** ** *********** */ (The consumer indicated he/she DID NOT accept the response from the business.) My dad did sign the paper work without understanding it and we did run credit cards but not even for a month but with problems the whole time. Ray would not answer his phone and avoided us at all cost. I tried cancelling because Ray told us that we had 30days,but your company would not let us cancel. I decided to stop receiving payments and I shipped back the machine to their company. we paid the first months but cancelled payments for the next month because the company was not making any effort to help us. what a simple way to get ride of a ("problem") customer just send them to collections. what a company, In better words scam artist... Final Consumer Response /* ****** *** *********** */ (The consumer indicated he/she DID NOT accept the response from the business.) Your representative told me that we had 30days to cancel after he didn't let me read the contract. The business does not provide any resolutions just excuses. when they provide a resolution I will gladly consider it. Final Business Response /* ****** *** *********** */ The agreement for the Lease is for 48 months, The agreement with EPS is for 2 years. Our agreement clearly speaks for itself. All fees are located on the front page of the agreement where the merchant signs 3 times, accepting the terms and rates associated with the agreement. The merchant used the service and accepted deposits from EPS. This service was not based on a "Trial Period" as the merchant signed a contract. If the merchant can provide something from the agent in writing stating these claims, then we can review again, but only at that time.

4/21/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: We have been charged a 7.95 warranty fee monthly for charge machines we have not had for at least 10 years. We are willing to settle for a credit we are willing to settle for a credit for the past 3 years, even though they owe us so much more money. We just want this resolved, we have not had their charge machines for years, yet they continue to take 7.95 out of our checking acct per month. I spke to a guy at EPS and he said he would check into it and did not know when he would reply back and would not give me the owners name or number. He did say all charges would stop now, but they should have stopped years ago. We are a business Optical Center and my name is ****

Desired Settlement: We will settle for 3 years fees back, even though we are owed much more. That total would be 381.60

Business Response: Initial Business Response /* ****** ** *********** */ EPS was not able to find an account linked to the merchants name or phone number provided. Please provide our office with the Business phone number, Owners Name and Merchant ID Number. Thank you Initial Consumer Rebuttal /* ****** ** *********** */ (The consumer indicated he/she DID NOT accept the response from the business.) It is funny they found the account everytime I called. The account is under the name Sandra or Sandy Bank. The phone number is XXX-XXX-XXXX or it could be under our old number of XXX-XXX-XXXX. EPS has the account number along with all of the above info. They just don't want to credit us for what they legally owe us. I can fax over a copy of the statement showing they have been taking 7.95 out of our account for years if anyone needs that. This is a big time scam Final Business Response /* ****** ** *********** */ Ma'am, with all respect, the name on the BBB is not the same as the name on the account, and in your complaint you did not provide a Business name. If you would like a proper response, the correct information needs to be provided. ATTN: BBB:::: To review the account and information all agreements state that we can only speak to Sandy ***** I am not sure who **** ******* is, and no information for **** ******* is linked to the account. Please have Sandy **** contact our office. We will need bank statements showing the charges the merchant is referencing. Thank you

4/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Promised refund and never received it, was told after was already promised that we would not be getting said refund. Consumer's Original Complaint : Was told we were approved for a refund, in OCT of 2014 after months of ignored calls was told no never mind. We took money and are keeping it. In April of 2013 switched from EPS to another company, the new company said they would handle canceling with EPS, from April to September EPS Sent invoices still charging us even though we were not processing cards. We called and canceled ourselves faxing a letter saying the same that we wish to cancel on September 14 of 2013, still have a copy of what we faxed. We no longer were receiving statements after that date. Figured it was done. In August of 2014 we decided to switch to our bank for card processing. After doing so on September 1st of 2014 I noticed there was a $35 a month charge still being taken out. I asked the bank who it was thinking it was the most recent company and was informed it was EPS still charging our account after we called and faxed telling them to cancel in September of 2013. So I called EPS, I talked with ***** who told me that we could not be refunded from September to September because they do yearly contracts, our contract had been up for years, but could do a refund from January 2014 to September 2014, just needed to send another copy of the original fax and it would go before the board for refund review at the end of the month. On October 5th of 2014 another charge from EPS was taken out from our bank, the bank canceled that one and got the money back and informed us we should close that account and open a new because companies like EPS are know for not being honest and continuing to take money from people. We did close that account, the bank manager is more then willing to help with any papers needed to show this company continued to try and take money out of our account even though we asked them to stop in 2013. A few days after they took the money on Oct 5th I called EPS and spoke with ***** again, this was on or about the 7th. I was told this time that we were approved for the refund and would be getting $315 back and just to wait for a call confirming our mailing address. By the end of October I was wondering where the call was, I called and left over 20 messages for ***** from the end of October till as soon as yesterday, January 5th 2015. I stopped asking for ***** and talked to anyone I could the last few days always saying they would talk to ***** and he would call, I never received a call. Today I finally talked with ***** again and he said we were denied the refund because the letter we faxed in 2013 was not sent certified mail or do we have a fax conformation. I was told by *** another supposed manager there that there is no one above her or ***** I could talk to. Was told they have no record of us calling in in September of 2013 yet she quoted info we told them in that call. They have lied to us and ignored us over and over. We are a ********* Business and try and treat people fairly and honestly, that they would lie to us over and over is not acceptable and dishonest. We were ok with them refunding the $315 and not the full $420 they owed us, not totally ok with it but understood to a point, but to ignore our calls and now tell us we will not be getting the refund they told us we would is not ok. In my opinion it is theft as they took the money out of our bank account without our permission. Please help us, we are a small business and don't think it is right for them to do this to us. They lied to us on many occasions. Thank you ***** *******, *******'s Jewelry & Repair

Desired Settlement: Owed $420 but would settle for the $315 we were told we would get.

Business Response: Initial Business Response /* ****** ** *********** */ The merchant states it in the first few sentences. He relied on the processor he switched to to cancel the EPS processing services for him. The merchant did submit a letter to us on 12/30/2014 showing a September date, but EPS never received proof that the fax was sent/received in September 2013. 2 refund requested were placed but both declined for valid proof of cancellation needed. EPS did request this information but the merchant has not submitted. Initial Consumer Rebuttal /* ****** *** *********** */ (The consumer indicated he/she DID NOT accept the response from the business.) We switched in April of 2013 and relied on new company to cancel they did not cancel so in September of 2013 we sent the cancel fax ourselves. We sent the Cancel fax in September of 2013, I even called and confirmed they received it and was told they did. Our fax does not print a confirmation, we sent the fax that is the TRUTH!!! 100% Truth, we are a Christian run business and would never nor did we lie about it. We have the fax we sent with the date we sent it printed on it. Just because EPS lies they think others do as well. Blake told me we were approved for a refund and when the check was ready we would receive a call verifying our mailing address. EPS has lied over and over and with all these and other complaints against this company I do not see how they are allowed to be in business let alone have a good rating with the BBB. Where is your proof? I asked your employee about a previous call where I had talked about the cancel letter and got phone confirmation, said there was no call then quoted me from said call. This company is unethical and should be shut down. Final Business Response /* ****** *** *********** */ Unfortunately EPS still has no proof that the merchant sent the cancellation letter the date stated. The account is closed but no refund can be issued until the documentation is presented as stated previously. Final Consumer Response /* ****** *** *********** */ Not resolved, not resolved at all. Still have not refunded the money they owe us. Even had the gall to cold call us and ask about switching back to them.

4/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Electronic Payment Systems promissed me a refund of fees paid by me to my old processor do Business with them. I was bated into switching Credit card processing to Eletronic Payment Systems by ***** *** a sales rep for EPS,***** told me I would get back any fees I had to pay out to switch to his company (EPS) I payed said charges Of $1190.00 to my old Processer EMS I sent to eps all paper work showing the debits from my account By EMS (old Processer) and was told I had to wait 90 Days by EPS Customer SeviceI have called a number of times and Spoke to A CS Manager ***** @ XXX-XXX-XXXX @ EXT **** and I have left message with Him as well No response and I have LF Messages with a Manager ****** @ XXX-XXX-XXXX @ Ext XXXX I spoke to ****** On 1/26/15@ 4:00 ESt and He said he would call me back in 45mins and never called to me this company lied and Cost me $1190.00 and alot of greif

Desired Settlement: I want the $1190.00 promised to Me by Electronic Payment Systems LLC.Refunded to My Accounts # XXXXXXXXXXXXX and or Account # XXXXXXXXXXXXX ASAP

Business Response: Initial Business Response /* (1000, 13, 2015/03/31) */ Final Business Response /* (1000, 14, 2015/03/31) */ EPS does not show record of any agreement advising a purchase out of the merchants previous processing agreement. Does the merchant have this documentation available?

3/20/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I want the company to stop trying to collect for service I do not have with them. I do not want any monetary compensation from this company. The only thing I want is for them to stop harassing me for money for services I no longer have with them. They kept charging my bank accounts for 2 of my companies that the service was cancelled a long time ago. They have the cancellation letters and I have the acknowledgement of the sales rep that was working for them that it was cancelled. When I called there customer service department about the charges, they told me since they had no notification of cancellation, they automatically extended the contract for another 2 years, to 2016! I never authorized this.Now someone from a collections agency is calling me because I had to put a stop pay on them taking money from my bank account. The reason I stopped service with them is because the funds for credit card proceesing took way to long to go on my account. My companies are ************* and ****************************.

Desired Settlement: I just want them to stop calling me for money I don't owe them and stop the collection agency from calling. I have not used their service for at least a year and did all the appropriate steps to cancel it.

Business Response: Initial Business Response /* ****** ** 2015/03/17) */ The merchant signed the agreement with EPS for processing services in July of 2008 for the business Road Runner moving & Storage. The agreement signed was a year to year agreement, upon cancellation the merchant would need to send a cancellation letter to our corporate offices at least 90 days prior to the end of the current contract in effect. EPS just received cancellation for this account (Road Runner) on October X XXXX and the account is set to cancel July 2015. The merchant is responsible for these fees until the end of the contract agreed to. The merchant signed the agreement with EPS in August 2013 which is a 2 year agreement, EPS receivd the cancellation letter October 2014 the contract remains until August 2015. Same as the previous account, the merchant is responsible for the current contract in effect. The merchant placed a stop payment on the BR Auto Glass merchant fees and has been placed in collections for this account. Initial Consumer Rebuttal /* ****** ** 2015/03/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I cancelled the service with both of my companies and they continued to withdraw the monthly fees. They received both cancellation letters from myself and their rep at the time along with verbal cancellation. I don't want any monetary compensation at this time. If they continue to try to collect for services I am not using and have not used for a long time I will seek the money the have taken for both accounts with no service used.

3/12/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I got a chargeback of 299.99 and my bank account was debited twice for same chargeback. I got a chargeback of 299.99 on for card ending with ***** my bank account was debited on 18th Sep, Again i was debited for the same chargeback on 18th Sep. I tried to contact the team at EPS and they told me that deposit was made into my account on 30th Sep as i won the chargeback and customer proceeded with second chargeback. However i dont have any deposit of 299.99 on 30th Sep. I shared my bank statement with the team ***** and *****. But they refused to reply me after i shared my bank statement with them.

Desired Settlement: Please refund my money.

Business Response: Initial Business Response /* (1000, 5, 2014/12/18) */ The dispute for case # XXXXXXXXXXX for the amount of $299.99 was initiated on 09/16/2014 and debited from the merchants account on 09/18/2014. The merchant presented documents for this case on 09/16/2014. The merchant won the chargeback with the amount of $299.99 being credited back to the merchants account on 09/30/2014. The customer was not satisfied and decided to dispute the transaction for a second time on 11/13/2014. The merchant was then debited 11/17/2014 during this time the case became pre-arbitration on 11/21/2014. The merchant won the pre-arbitration and was then credited back the 299.99 on 12/02. All was explained to the merchant via phone and email. Thank you Complaint Response Date bumped because: Holiday Complaint Response Date bumped because: Holiday Initial Consumer Rebuttal /* (3000, 7, 2014/12/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hi, i have received the same response on email as well. And i sent following reply to the mail on 19th Nov "Attached is the screenshot of my *********** account, if you want i can send you the statements as well, i have not received any deposit of $299.99 on 09/30. " And after this email i did not get any response from their team. I have attached screenshot of my *********** bank account showing all Debits and credits processed by EPS. Please check and let me know if there is any deposit processed by EPS on Sep 30th 2014 or any nearby date of Sep 30th. Basically My account was debited twice for $299.99+$299.99 and nothing has been deposited in my account neither on Sep 30th nor on Dec 02. I have attached screenshots of my account activity for both period. Also if required i am ready to send my Bank Statements as well. Final Business Response /* (4000, 17, 2015/02/03) */ EPS provided all needed information in the attachment. The merchant received the information to see the chargebacks and the amounts in question. Has the BBB reviewed this information. What the merchant is stating is incorrect. Final Consumer Response /* (4200, 21, 2015/02/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have still not received funds in my account. And they have debited my account twice for the same case.

2/27/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: EPS is holding about $45,000 of my business in a Reserve Fund and refuses to discuss my account with me. I opened a merchant account with EPS in November 2012. As per my signed contract, they withheld a security reserve as transactions were processed. The contract states that that reserve is up for review annually. By the point the time frame had elapsed, the reserve amounted towards $45,000 of my business funds that EPS was withholding. In early 2014, I contact EPS to discuss how these reserve funds would be credited back to my business. Attempts to discuss my contract with EPS were continually unsuccessful. Many messages were left for ******* ********* head of Risk Assessment. He rarely answers the phone, or if I could reach him, he would quickly hang up. He never returns calls. Calls to Client Services were also unsuccessful. Every single time I've called, and I have called MANY times, I would be transferred around, hung up on, or transferred to voice mail. As per the contract, I sent certified USPS notification to cancel my account, well in advance of the 90 day notification required before annual automatic contract renewal. Calls to verify this has been processed have been unsuccessful. Calls to verify the status of my reserve funds are unsuccessful. All requests for information have been ignored, including written requests sent via certified mail. ******* ********* You are now in breach of contract. I am writing Colorado's Attorney General and Florida's (my state's) Attorney General to report illegal banking practices. I will be forced to retain an attorney, since you've been uncooperative.

Desired Settlement: I request my reserve be returned.

Business Response: Initial Business Response /* (1000, 9, 2015/02/09) */ Merchant is correct we do have funds in a reserve for this account. The account was officially closed on 12/04/2014. EPS was alerted that the merchants former business partner being charged and later found guilty of attempting to hire a hit man to kill a federal judge, although this was his former business partner there is still a connection that EPS still may have any legal or financial consequence. Under most circumstances we would hold these funds for a period of one year, or until EPS feels that the liability/exposure on the account has expired. Our Risk Management Team has reviewed and below is what EPS can do. Balance Owed: $44,976.54 We will begin payouts in April April: $10,000 May: $10,000 June: $10,000 July: $10,000 August: $4,976.54 If there is any negative activity on the account, obviously we would deduct from the balance owed. EPS is well within our contractual rights to hold these funds until December 2015 if required. An email was previously sent to the merchant notifying of the release of funds. Initial Consumer Rebuttal /* (3000, 11, 2015/02/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am not satisfied with the outcome of this BBB as of February 11, 2015. My original complaint was that EPS refused to speak with me about my account and the large sum of money they are withholding. I had unsuccessfully tried since early 2014 to communicate with EPS about my account and contract. EPS claimed this payout information was provided in an email. This is correct. However this email was sent in January 2015... almost 1.5 years after I first began trying to discuss my contract with EPS, and only AFTER I contacted the Florida Attorney General, Colorado Attorney General, Better Business Bureau, and RipOffReport. Furthermore, the information on the payout schedule is incomplete. Will I be paid April 1st or April 30th? EPS is being intentionally vague. EPS claims they are contractually allowed to hold funds to December 2015, but have never been able to furnish this contract. EPS falsely claims that a "former business partner" was convicted of a heinous crime, and states that my company may have some financial obligation as a result. This is false. I have no former business partner. I have never owned, in whole or in part, ANY other company. Therefore, I have no financial connection or obligation to any contract they may have signed with any other company. Neither did I sign any contract that states I have a financial obligation to another company. This is the first time EPS has made this claim, and it would certainly fall flat in any court. TIMELINE: November, 2012: I signed a contract with EPS. A reserve fund was to be withheld pending a clean track record with our customer transactions. June-ish, 2013: Contact EPS to stop the reserve withholdings (10% of each transaction). Our track record with customer credit transactions was impeccable. EPS stopped withholding a reserve, as they already had $45,000 held. October, 2013: Contacted EPS to inquire about release of withheld funds, as we continued to have an great track record with our transaction history. Attempts to discuss were unsuccessful. January, 2014: EPS no longer accepts our calls, and never returns calls. November, 2014: Cancelled my contract with EPS via certified mail, over 90 days in advance of automatic annual renewal (as per contract stipulations). Notice was received and honored, though they state that it was canceled in December, which is incorrect. Still no communication has been possible with EPS. December, 2014: I file complaints with BBB, Florida Attorney General, Colorado Attorney General, and RipOffReport. I also email the company president, COO, Risk Supervisor, Customer Relations, and several other employees. These email addresses were provided by another victim on RipOffReport. January, 2015: EPS finally responds with a vague timeline of payments they will return to me. February 2015: EPS responds to this BBB complaint with false claims of past business relationships and vague payout information. I am not satisfied with the outcome of this BBB as of February 11, 2015. Final Business Response /* (4000, 13, 2015/02/25) */ EPS has not been vague about the payouts that have been scheduled for this account. We have listed the months, amounts and the overall balance, We cannot state an exact date that these credits will be entered into the system due to holidays, weekends, etc. I can state for the record that these would be credited to Mr. ******** on or around the 1st of every month. It was an oversight that I did not include the date in the original E-mail to Mr. ********, not an attempt to be intentionally vague. In addition, the last communication form my office to Mr. ******** asked him to review the payout schedule and advise (offer feedback). To date I have not received a reply from Mr. ********. With regard to insecurity, this merchant is conducting business in a "higher-Risk" industry. Dealing in antique currency, rare coins, gold etc... Is inherently higher risk as defined by the associations. Keeping a reserve on an account of this type is not uncommon and maintaining that reserve after the account has been terminated is also a commonly accepted practice in our industry. This merchant has had NSF's directly related to chargebacks as recently as April of last year. In fact, the merchant had changed their bank account without notification during their processing history with EPS, during this time they were non-responsive to EPS staff that contacting Mr. ******** to get updated information. It took over one month to reach Mr. ******** to get this issue corrected. EPS has had several issues with this account over the years starting with the events that brought Mr. ******** into the picture. The previous principal of record is a gentleman by the name of ***** ********* Mr. ******** has been convicted for conspiring to murder a U.S. district court judge ********************************************************************************************************************************** EPS still faces exposure on this account based on the industry type and we are still willing to release reserve payments to Mr. ******** even though the full chargeback liability timeframe has not expired. EPS is also willing to release this reserve to Mr. ******** before our contractual obligation would mandate EPS to do so. Both of these actions should be seen as a testament to our willingness to support this merchant not deceive or hinder them. Mr. ******** entered into a contract with EPS on 11/19/2012.

2/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After finding out there electronic credit card reader did not work with my phone I asked for termination of our contract. They did not follow through This company called me and offered me a credit card reading service for$10.00 a month. Last April with a company Representative a Mr Armstrong. He told me their electronic credit card reader did not work with my phone. Based on that I asked for a cancellation of contract. He agreed. My last statement was in April 14th. Mr Armstrong died and did not follow through. I later found out. I called again and asked why account was not canceled.I spoke with a Mr Robertson who said to stop charges it had to be done in writing so I did. I called several times only to be directed to several different voice mails. I finally reached a person in their legal department that told me I had no way out! That they did not have to honor any verbal or written correspondence! I was never given the services promised yet continue to be billed. I informed them I was blocking charges the promised to ruin my credit! I have never used there services except for a test they ran on my account. They never gave me the training or equipment they promised! All they do is bill me. This company is anything but legitimate! Please Help they will not even return my call!

Desired Settlement: I would like a refund from charges from last April when I was promised a cancellation based on the fact their credit card reader did not work on my phone. Then and their they could not live up to their end of the deal. No one contacted me even though they could of via e-mail. Their legal department told me an opt out option in their contract and then back pedaled on that to! I have been lied to repeatedly by several different employee's of theirs. They even told me they can promise me anything they want does not mean they have to do it! I am at my wits end trying to get them to honor the deal they agreed to. Now they tell me I should accept something else other than what I was sold. I asked them about the opt out clause again only to receive silence. I asked since the billed me for services I never received even though they lied and said I did. I would settle for no more charges taken out of my account as promised by Mr Robertson. Which agreement they have gone back on.

Business Response: Initial Business Response /* (1000, 9, 2015/02/09) */ On March 19 2014 the merchant signed a 2 year processing agreement for Credit Card processing Via Authorize.net, EZ Pay Mobile and a No Credit check program, EZ Payment Plan Online. The merchant was approved for these services and issues a merchant ID number XXXXXXXXXXXX on March 19, 2014. Our Technical support called each number provided on the application 13 times with no return call from March 20th-April 8th. On April 9th the our support team finally got a hold of the merchant and he asked they call back at 3:30 to complete training and install. Our tech team called at the time he requested, the merchant advised it was not a good time to try again in an hour. After trying to call for 25 minutes with no response another message was left. The merchant finally called our offices on 04/14 due to charges agreed upon when signing the agreement for processing. Merchant was advised that the charges were for set up of the auth.net service requested. EPS continued to contact merchant to set up services, but only received voicemail. The merchant contacted our offices January of 2015 stating he wanted to cancel. EPS received the letter to cancel on 01/12/2015- Contract will end March 2016.

2/3/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We currently changed to EPS through ***** ******** for credit card processing and it was the BIGGEST mistake ever! From day one I had issues with the machine of not having the correct phone number on the customers receipts. EPS had put a private direct extension CFO's number and it took 4 differnet attempts to finally get that small issue taken care of!!!!! The machine they sent us was not compatable with a land line which is what we use! So anytime I need to do anything as far as a transaction I have to move the machine to a ethernet connection and to no solution from them. Then they with held our customers monies back from putting it into our account with NO reason, NO explanation. We were "randomly" chosen was their reason! REALLY!!!! They are suppose to inform you that they are going to with hold funds and we never got a phone call, email, etc.!!!!! Finally after numerous phone calls and having to raise H$LL they deposited the monies.Since when does a credit card processing company have the right to with hold funds. We have been business for 21 YEARS! NEVER a chargeback! So we told them that we want to cancel our contract with them due to breaching their contract with us and NOW they are refusing!!!! Why would a business want to do business with another company who doesn't want to do business with them. UNBELIEVABLE! THEN the "ONLY" person who could release the funds left early for the day. We were also told that EPS tried to contact us which was a FLAT OUT LIE! We have all of our calls monitored as far as outgoing, incoming, etc. NEVER A PHONE CALL ! WE have gotten nothing but the round around with them! The WORST CUSTOMER SERVICE EVER!

Desired Settlement: DesiredSettlementID: Other (requires explanation) To be able to cancel our contract with them. We have no TRUST in this company! And trust is IMPERATIVE when someone is handling your monies.

Business Response: Initial Business Response /* (1000, 4, 2014/12/16) */ We do see that the merchant completed an application for services with a representative ***** services. The application was submitted to our offices on 11/05/2014 a QA was completed with the merchant, verifying the information on the application and approved for services on 11/05/2014. The merchant informed our offices on 11/07 that the wrong phone number was on the receipt ( previously verified with the merchant at the time of the QA)due to the merchants phone line disconnecting our tech representative advised on how to move forward with the download, merchant stated she would call back if there were any issues. The merchant finally called back 11/10/2014 to complete the install attempted on 11/07 it was at that time the merchant advised of the proper line in use. Our tech support revised the issue in that same call. The merchant ran a transaction on Saturday, 11/15/2014 for the amount of $2,229.46. Our Risk management contacted the merchant for documentation due to VISA flagging the transaction on Monday 11/17/2014. The merchant returned the call on Wednesday 11/19/2014. The merchant was advised that Visa will randomly flag transactions for processing review. This is for security purposes, to validate the rather large first charge the merchant accepted, due to the application the merchant signed stating the average ticket is $350.00. Once the documentation was received on 11/20/2014 the merchants funds were released from the diverted status. Initial Consumer Rebuttal /* (3000, 13, 2015/01/05) */ It is 1/5/15 @ 11:34a.m. and I see this is CLOSED! I am responding to the response of the credit card processing company. We were NEVER contacted about the monies being held. EPS had sent us some records that they contacted us and we also have records that they did not contact us to let us know that they were holding funds. As a result of the unexplained holding funds we had NSF fees due to EPS's lack of communication. Then they did nothing about it but make excuses. And to this day we have not been using them and they ARE STULL taking funds out of our account!!!!! The only resolution with this FRAUDULANT company is to discontinue business with them of any sort. Final Consumer Response /* (4200, 17, 2015/01/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I called the EpS company because I regularly check my checking account balance and noticed that our funds had not been deposited, not because I was returning a call!!!!! I NEVER GOT A CALL!!!!! The account was handle not improperly but also VERY UNPROFESSIONAL!!!! Beaware CONSUMERS!!!!! Final Business Response /* (4000, 19, 2015/02/03) */ EPS was simply following the guidelines for reviewing transactions ( as all processors do). The merchant did receive their funds, after the merchant contacted our office as requested, and complied with the request (per the guidelines. The issue was resolved after the complied.

2/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: EPS did not honor my written cancellation! I signed an agreement on 5/13/11 with EPS for merchant services. Their salesman,****** ********* repeatedly assured me that I was under no obligation and pointed out "NO CANCELLATION FEES" statement located on page 1 upper right corner of application. I mailed them a cancellation letter on 3/3/14 & returned their pin pad, they have continued to withdrawal money from account. I called them 12/3/14, they say they never received letter and to fax it, which I did. I called the contract manager and he reports they received my letter by it takes 90 days to process and was not processed until the next year started and I have to continue paying until May 2015. I spoke to 3 people today and all 3 referred to an obscure clause that references "articles 1.01 thru 3.14(K)" These articles were not provided to me and not included in the contract. They are purposefully misleading people by promising one thing and not providing all agreements in the actual contract. When I signed this agreement, I thought this was referencing the lease agreement, which was thorough and included all clauses. They are using deceptive practices by verbally saying one thing, avoiding full disclosure of agreements by not including all clauses in the actual agreement document and using fine print in the signature section that is the attestation to being an authorized company representative and that the information is true and correct, to reference a separate document that is not included in the actual agreement.

Desired Settlement: I want all money withdrawn from account from June 1, 2014 to present returned, which I will have to go over all of my bank statements to tally up the withdrawals.

Business Response: Initial Business Response /* (1000, 4, 2014/12/16) */ The merchant did sign for merchant services on 05/13/2011 and was approved for merchant services on 05/16/2011 for the contract signed. The merchant first notified EPS of the intentions to cancel services 03/03/2014. The merchant was notified at that time per the agreement, she needed to provide written notice to EPS at least 90 days prior to the end of the current term currently in effect. This meaning we would have needed to receive notice of cancellation no later than 02/13/2014 for the agreement not to renew for additional 1 year terms. The merchant recently called again 12/03/2014 and was again advised of the terms of the agreement. The agreement is set to cancel 05/13/2015. Initial Consumer Rebuttal /* (3000, 7, 2014/12/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did not receive nor initial that I received pages 4 and 5 of the attached document. Again, this business uses deceptive practices by not including pages 4 and 5 with the agreement and instead attaches the equipment leasing agreement where these last two pages should be, leading one to assume that the fine print is referencing the leasing agreement clauses instead of the actual clauses. Pages 4 and 5 were first sent to me on 12/3/14, after I complained that they did not cancel my account. In doing my own research into this business, several others have had the same problem, which leads me to believe that they are using a procedural widespread business tactic to deceive their customers. Final Consumer Response /* (4200, 15, 2015/01/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Again, the last two pages were never provided. The last two pages of the attached document to this response is not only missing my initials, but also the fax stamp. This company is using underhanded tactics by using barely legible small print, followed by a leasing agreement from another company to mislead the consumer and failing to provide documents to further deceive consumers. Final Business Response /* (4000, 17, 2015/02/03) */ The agreement was signed by the merchant. If the merchant had questions about the application and terms and conditions they had the opportunity to seek advice if needed. The merchant signed an agreement. They signed stating they reviewed and accepted the terms of the agreement. If they were uncomfortable with these terms in anyway, they did not need to sign.

1/27/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: CANNOT GET COMMUNICATION REGARDING OUR HELD FUNDS EPS WAS OUR MERCHANT PROCESSOR IN 2013. IN DECEMBER OF 2013 THEY INFORMED US THEY WERE SHUTTING DOWN OUR ACCOUNT AND HOLDING OUR FUNDS FOR THE PERIOD OF 1 YEAR. IN NOVEMBER 2014 I MADE CONTACT WITH THE HEAD OF RISK MANAGEMENT ******* ********* HE INFORMED ME THEY WOULD BE DOING A REVIEW AND RELEASING OUR MONEY IN JANUARY OF 2015. (LONGER THAN A YEAR BUT OK)STARTING ON JANUARY 14, 2015 I BEGAN EMAILING HIM TO GET THE BALL ROLLING. AFTER 3 EMAILS AND NO RESPONSE I BEGAN TRYING TO CONTACT HIM VIA TELEPHONE. TODAY IS JANUARY 21 AND STILL HAVE NO EMAIL NOR PHONE RESPONSE. TODAY I STARTED TO CALL IN SEVERAL TIMES AND WAS NOW INFORMED BY ***** ***** THAT HE IS WORKING ON OUR ACCOUNT. THEY HAVE TO GET INTO OLD SYSTEMS AND DEAL WITH BANK THEY NO LONGER DEAL WITH ETC...... MR PETERSON FOR SOME REASON WILL NOT SPEAK TO ME HIMSELF NOR WILL HE EVEN RESPOND TO AN EMAIL. I WOULD SIMPLY LIKE A RESPONSE AND WOULD LIKE TO KNOW WHEN OUR FUNDS WILL BE RELEASED. IT IS WELL OVER A YEAR NOW.

Desired Settlement: WE WOULD LIKE A STATEMENT SHOWING THE MONEY OWED AND WE WOULD LIKE OUR FUNDS RELEASED TO US IMMEDIATELY!

Business Response: Final Consumer Response /* (2000, 6, 2015/01/27) */ The business has satisfied our request and we received the funds. Thank you very much!

1/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: In late September, 2013, I signed a contract with ******** for them to create a turnkey on-line e-store for me. The person I dealt with was **** ******* While my web site was being built, I got a call from *************** at EDS stating that he works with **** ******* and hes calling to set up my merchant account. I said great, and gave him my information, but was surprised to learn that there was a setup fee and a monthly charge. I had already sunk money into the web site, so I signed a two-year contract. I then called ***********, and asked why I needed to pay for the merchant account, when I purchased a turnkey e-store? He stated that I already had an account set up with PAYPAL, and that I didnt need another merchant account. He also stated that EPS has nothing to do with ********, and he doesnt know how ****** got his name. I then called ****** back and cancelled the account stating that I did not need it. He said OK, and I then followed up with an e-mail. The merchant account was never connected to my web site, and no service was ever provided. Yet they have billed my checking account the following amounts and will continue to bill me monthly:NOV 4$ 39.95NOV 8$99.50DEC 3$35.00JAN 3$35.00When I realized that they were charging my checking account, I first called *************** on his cell phone number, and asked why I was being billed. He stated that he was no longer with EPS, and that he left the company because he did not agree with some of their business practices. Since then I have been calling EPS on a weekly basis, and they said they are investigating. Today, they said that I need to keep paying for two years. The bottom line is that they sold me the service under false pretenses, and then breached the contract by not providing any services. However, they continue to bill me. Product_Or_Service: MERCHANT ACCOUNT

Desired Settlement: DesiredSettlementID: Refund I want them to reverse the charges to my checking account, and stop billing me.

Business Response: Initial Business Response /* (1000, 5, 2014/01/10) */ To look into the issues the consumer state he is having I need the following information. Once this is received I can review the account. Business Name (Legal and DBA) Business phone number Business Address Merchant ID Number Issued by EPS. Thank you Initial Consumer Rebuttal /* (3000, 7, 2014/01/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is my second submission to this request. This is not a response. It is a request for information that they already have. This is my second sumbmission. 1. ***** ******** *********** ****** F ***** 2. ************ 3. ****************************** 4. I don't have a merchant ID. No account was ever set up on my web site. No services were ever provided. Final Business Response /* (4000, 30, 2014/04/21) */ The merchants fees for the month of december was returned as UNAUTHORIZED TRANSACTION on Jan. 21. The account was placed in collections on the 23rd due to this issue. EPS also sent collection notifications of this. The merchant account has been closed due to this and has been added to collections in the amount of $1363.00 Final Consumer Response /* (4200, 34, 2014/04/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) EPS continues to ignore the fact that they used deceptive business practices to trick me into signing their contract under false pretenses. They absolve themselves from any responsibility for the deceptive actions by stating that their agent, ****** ******** was an independent contractor, and they are not responsible for his actions. This is not true. I have spoken with Mr. ********* He apologized for deceiving me. He stated that he was an employee of EPS; He received all of his leads from EPS, including **** ********* name from ******** and that he worked off a script provided by EPS. He further stated that they received leads for all of the new ******* customers. If EPS cannot take responsibility for ****** *********** actions, then they cannot reap the benefits emanating from those same actions. If they reap the benefits of his misrepresentation, then they must also shoulder any accompanying burdens. It is my contention, based on the fraudulent manner used to entice me to sign an agreement that I was led to believe was part of my turnkey contract with *** ***** that the contract and the invoice they sent me have no merit or validity, and that I have no further financial obligation to EPS.

1/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Product will not work with our future infrastructure. Regardless EPS shows no indication or allowance to allow us to use a product that will. Our company has expanded it's service offerings. Upon this i contacted EPS first, because we have been a happy customer for more than 3 years, to speak with a representative. I contacted the rep at the time that coincided with our 90 day cancellation period. Due to the secrecy of the rep, my guess he was trying to hide the fact that the product he recommends was a bad deal and very expensive for my business. It took several days for me to understand what he wanted me to sign. The product would only fix my business problem by about 50% of what we needed. I thought on it for a few weeks and consulted our bookkeeper. In 2015 we are switching our books to ********************. With *********** we can create a invoice and email it to a customer, the customer then can "Click Here To Pay", then he/she can pay and ********** will reconcile the transaction automatically. Either the ************* or the Expensive leased proposal from EPS would not do this. On December 10th, 17 days past our 90 day cancellation window, i informed EPS "*****" that the intuit product was better appropriated for what we wanted he seemed to concede and understand. He told me that EPS products could not perform to the level of ***********. I then asked to cancel with EPS that's when EPS's and *****s true colors came to light. He informed me that even though his products could not work for us that we were 17 days past our cancellation period and that i would be locked into service with EPS for an additional year. I asked him to reconsider and that's when things got ugly. ***** went on to tell me that EPS pretty much doesn't care what happens to our company that they wanted to make money. Further he said if i don't like it he would file a collection with **** for $500 so that visa would shut down my companies ability to process cards. I signed the cancellation and i will be a very outspoken proponent against EPS and their terrible treatment of customers.

Desired Settlement: Our contract date is from 02/23/11. Upon this date the 90 day policy from EPS is calculated. I request that EPS allow us the 17 day discrepancy by adding the 17 days to our current contract date (from today) so to satisfy the EPS Policy (which ***** informed me was to Make Money) and to accept this complaint as a 90 day cancellation notice. So that our company can proceed with a product better suited for our needs. We have paid EPS over $10,000 in processing fees without one fraudulent transaction. Would you please consider our request? Thanks,

Business Response: Initial Business Response /* (1000, 5, 2014/12/16) */ I am not sure if the reasoning was clear to the representative you spoke to. As a customer courtesy, EPS can have the account cancelled, effective 02/2015, but would not be able to cancel it out sooner than that date. Please notify us, if you would like to accept this offer

12/22/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a phone solicitation from an EPS sales agent, named ***** ******* I told him I already had a cc processing company, but that I was dissatisfied with them, as they had a BBB rating of "F". He told me if I signed up with EPS who had an "A+" rating, they would buy out my old contract, something he said they did all the time. He also promised me a much better fee structure, which was to be a flat $89.00 a month with no extra fees. I said I would sign up with EPS only under the condition of this buy out he promised, and only if there were no extra fees. Shortly after, we exchanged emails documenting these promises. Because the process took 6 months, I had conversations where the fees I was paying EPS would be pro-rated forward when this deal was done, because I was not using their machine until the buy out was completed. 6 months later, after MANY phone calls, EPS refused the promised buy out. They also were charging me more than double the amount I was promised. "Customer service" told me that "nothing is fair", and not to expect to get out of their contract or to be repaid the fees I paid while waiting for them to decide. I was also told by one of their "customer service" people that it is a "dog-eat-dog worldlook around outside, one animal eats another" which is basically saying that their business is based on a predator-prey business model. I signed up with them in good faith, on one condition, that they buy out my other contract. They relied on a sale's rep's mis-representations and outright lies to lure me into a contract, and have now formally reneged on that promise, saying they have no accountability for what a sales rep says. According to what I was promised the fees would have been a little over $400. for EPS and the terminal. I believe their contract was made null and void when they decided against the buy out, and that they owe me over $1000.00 of inflated fees they charged me while I waited. Product_Or_Service: Credit Card Processing Account_Number: XXX-XXXXXXX-XXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Cancellation of the contract for CC processing and their terminal lease made under false promises, and refund of all over charged fees paid, which has totaled $1046.28.

Business Response: Initial Business Response /* (1000, 4, 2014/11/17) */ Since *** **** filed this complaint, she chargeback the lease agreement via Account Closed. The merchant failed to pay the fees associated with the account for processing services, again due to account closed. The merchant arrived at the corporate offices 11/10/2014 with the equipment and demanded we take it back. When the equipment was sent out the the merchant ( per the agreement signed by the merchant) the equipment was new and in working condition. When the merchant brought the equipment to the corporate office, it was not in working condition. Due to the merchant being delinquent and failing to pay as agreed on the lease (along with returning broken equipment) and failing to pay as agreed on the merchant processing, the account has been placed in collections. Initial Consumer Rebuttal /* (3000, 6, 2014/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) One of the things that lured me into an agreement with EPS was an A+ BBB rating. I had enough contact with the incredibly shady dealings in this industry, having gotten involved with an "F" rated company. When I received a call from their sales agent, I told them of my very negative experience, and was promised all the great customer service an "A+" company represented. I was open and obvious from the beginning that I already had another contract, and that their offer to buy out that contract was the only reason I would be interested signing up with EPS. Clearly, no one in their right mind would sign up for a second credit card processing company if they already had a contract, unless such a promise was made and had reasonable credibility. There was no ambiguity, and my situation has been the same from my first contact with EPS. Initially they were enthusiastic and personable, and I believed they cared about my situation, and that they were going to meet their end of the promise to buy me out of that other contract, and that the funds I was paying would be pro-rated when the buy-out occurred. All during that time I paid more than double what I was promised, in good faith. After 6 months of phone calls, I realized the buy-out was a lure of their sales person, which the company itself refused to honor. After paying over $1000, (for a contract that I was promised would be charged only around $400 for this period of time), I realized this promise was only a long delay tactic. In this very lopsided business deal, there is no protection for the consumer. I am not "delinquent" on my paymentsthey took over $1000 from my bank account, while failing to do what they said they would do. I let it go that long, sincerely believing they would make good on their promises, often making several calls a weeks trying to get some answers. At what point do you realize you have been lied too, duped into an agreement they had no intention of fulfilling? I gave it 6 months, and finally had no recourse but to close my bank account, which is as of today's date 19 days past due. To put an account that is less than 3 weeks overdue into collections is nothing less than spiteful, greedy, and opportunistic. I pleaded with multiple people for human values like compassion and fair trade practices, and was basically told theirs was a predator prey business model. As their prey, they will put my account into collections for stopping payment, while they dishonor their agreement with me with impunity. Interestingly, ***** told me to stop payment on the other CC processing company if they wouldn't cooperate with their pay-off quote. He said "If there are mis-representations, using deception to secure an unfair gain, it is fraud, and that you should stop payment." So I used his advice with his own company. I was also promised only $89.00 a month, and they took over $200.00 out of my account each month, saying I was signed up for some "gateway" I never even heard of much less agreed to. So yet another lie. . . I signed a contract with them on TWO CONDITIONS: I was promised a buy-out of my other contract, and that there would be no added fees to the $89.00 a month. I never used their machine one time. I was waiting to use their services only if they did what they said they were going to do. To use their services would be agreeing we had a viable agreement, which we did not. After months of back and forth negotiations, on the last phone call, they said, "We might have done a buy-out, IF you had used the machine"! That was never mentioned once in this nightmare of customer service, but rather used as an excuse to say why they decided against buying out my other contract. Once they decided against honoring their agreement with me, the polite conversations ended. They became rude, hung up on me, told me "nothing is fair in this world", and basically said in effect 'we have trapped you in an agreement, you have to pay'. In the process of my last phone contact with EPS, I was told they would file harassment charges if I kept calling, so I had 2 peace officers accompany me to return their terminal, so there would be no false accusations along with their false promises. I have only been polite, and firm. Never in all my experiences of customer service, have I had a company not be reasonable in their willingness to be fair. They made a promise, they reneged on that promise, and therefore our contract has no validity. I returned their terminal to their place of business in person, as I was told by their customer service person I could. Again, I did not want any "lost or damaged in the mail" accusations. Since it was never used, if they say it no longer worked when they got it back, it never worked when they sent it to me. I never used it, so I would have no way of knowing it did not work when I received it. I have read of other BBB complaints where people received machines that did not work, so it is entirely possible. I refuse to let them lie and say it is my fault. It was returned in exactly the same condition I received it in. If they make that as a false accusation, they are beyond crooks. I have a picture of it on their desk in exactly the same condition I received it in. The people ******* ******* ****** ****** there I spoke to all know my situation, and that I have just asking for the human decency to be let out of their contract made by obvious, overt misrepresentation, and to be refunded the fees I paid in good faith, but based on false promises. On 11/14/14 I returned their machine with a letter in hand to demand a fair resolution. The photos below are the machine on their front desk, and the letter I handed to ****, the man in the first picture. He was evasive and refused to even honor the offer made by ***** the day before. They keep changing their story. I just want to terminate my contract with EPS and ***** and be done with them forever. I have never used their services. It is all paperwork, and all they have to do is cancel agreements that were made by promises they refused to honor. I still have hope for a fair resolution. I still believe in the basic goodness of people, so I showed up in their office to plead for fairness one last time, so they might see me as a real person, not just another account they get to collect money on. Like I would with any other business, I have tried to reason with them on my own, and they have chosen to be greedy, so I am hoping they care about their A+ rating and will resolve this with true fairness. Final Business Response /* (4000, 9, 2014/11/20) */ Although the merchant has a lengthy response, there is not documentation attached for our viewing. EPS assures that we are compliant and not scamming anyone. Businesses that sell scams are fly by night, open one day and the doors close the next. EPS has been in business for over 25 years and in the same location for over 15 years. The merchant was placed in collections because she owes a debt. EPS has attempted to work with her but the merchant refused. When the equipment was sent out the the merchant ( per the agreement signed by the merchant) the equipment was new and in working condition. When the merchant brought the equipment to the corporate office, it was not in working condition. and she wants a refund from EPS? The account is in collections.The merchant can contact our offices to make the payment in full or payment arrangements id needed. Thank you Final Consumer Response /* (4200, 11, 2014/11/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Even though the FTC has telemarketing rules, it appears that EPS is unwilling to be accountable for their misrepresentation in deceptive telemarketing in inducing me to sign a contract. They insist that their having a contract is all that is needed to support their position. EPS would have me believe I have no protection from their misrepresentation, but thankfully there are federal laws to protect the consumer. I will enumerate each violation below. EPS does have all this documentation, as I have communicated it verbally and in writing numerous times over a 6 month period. From the first week, EPS was aware the promise of a buy out as a condition of my contract, and simply chose to ignore their culpability, while attempting to enforce a contract made by false promises. They have all the email documentation regarding this. The FTC posted this settlement, which is almost identical to mine: September 30, 2011 The Federal Trade Commission is mailing refunds to 100 merchants throughout the country who were defrauded by an operation that provided debit and credit card processing services. The FTC alleged that ***** *** ***** ****** ********* aka ***** ********* ******** ********** Inc., ****** ******** ********** Inc., ******* ********* ***** Inc., and *** ******** Inc. falsely promised they would save small businesses hundreds to thousands of dollars a year in processing fees by offering lower rates than their current credit card processing service. The defendants also allegedly falsely promised that they would buy out merchants' equipment leases if they accepted the offer, failed to disclose fees, and concealed pages of fine print until after merchants had signed contracts. Settlements with Rian and McCarthy banned them from marketing card processing goods or services for sale or lease, and required the sale of certain assets to provide funds for refunds. For this reason, I believe I do not owe them any further money, but that they owe me $1040.00 I paid based on using lies to secure a contract. The following are taken from: Electronic Code of Federal Regulations Federal Trade Commission http://www.ecfr.gov/cgi-bin/text-idx?***=ce4eb9fb08cd7305f6090b15e80de7c6&node=pt16.1.310&rgn=div5#se16.1.310_13 §310.3 Deceptive telemarketing acts or practices. (a) Prohibited deceptive telemarketing acts or practices. It is a deceptive telemarketing act or practice and a violation of this Rule for any seller or telemarketer to engage in the following conduct: (1) Before a customer consents to pay659 for goods or services offered, failing to disclose truthfully, in a clear and conspicuous manner, the following material information: 2) Misrepresenting, directly or by implication, in the sale of goods or services any of the following material information: (i) The total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of a sales offer; (i) The total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of a sales offer; (iii) Any material aspect of the performance, efficacy, nature, or central characteristics of goods or services that are the subject of a sales offer; (iv) Any material aspect of the nature or terms of the seller's refund, cancellation, exchange, or repurchase policies EPS misrepresented 3 significant things : 1.(i) The total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of a sales offer; I was assured of a flat $89.00 a month contract by the sales person, and then in an email saying they would not add any extra fees. 2. (ii) Any material restriction, limitation, or condition to purchase, receive, or use goods or services that are the subject of a sales offer; I was told that if I signed up with EPS, they would buy out a previous contract. Obviously they would not do a buy out without my signing up. So believing that condition for a contract, I did sign up. 6 months later after charging me the whole time more than double the fees I was assured of, they decided against the buy out. If they had known they were not going to do the buy out, they could have cancelled me in the first week, but they led me to believe they would for 6 months. 3. (iv) Any material aspect of the nature or terms of the seller's refund, cancellation, exchange, or repurchase policies I was never told up front that they would not cancel my agreement or refund the money I paid, if they refused to do the buy out. That is a HUGE condition they did not disclose. The buy out was consistently promised during 6 months of negotiations, so it was never even discussed that they would enforce the contract if they did not do the buy out. In several conversations where the buy out was still on the table, I was told they would pro-rate what I had paid so far. This part of the verbal understanding was not part of their contract, and would have been a major deal breaker. Never would I have agreed to a contract where they were wiling to keep charging me money, while never intending to honor their agreements. (b) Assisting and facilitating. It is a deceptive telemarketing act or practice and a violation of this Rule for a person to provide substantial assistance or support to any seller or telemarketer when that person knows or consciously avoids knowing that the seller or telemarketer is engaged in any act or practice that violates §§310.3(a), (c) or (d), or §310.4 of this Rule. Since they were fully aware of these substantial conditions made by the telemarketer for my contract, I can only conclude they were deliberately misrepresented. Had they been the accidental misrepresentations of an over-enthusiastic sales agent, they could have early on admitted their accountability to his false promises, and cancelled the contract. But instead they insist I am liable for the entire contract, and that they are not liable for the false promises of their own employee. In conclusion, the violations of EPS are stated by The office of Consumer Protection in plain English: The Rule requires sellers and telemarketers, whether making outbound calls to consumers or receiving inbound calls from consumers, to provide certain material information before the consumer pays for the goods or services that are the subject of the sales offer. Material information is information that would likely affect a person's choice of goods or services or the person's decision to make a charitable contribution. More simply, it is information a consumer needs to make an informed decision about whether to purchase goods or services or make a donation. Sellers and telemarketers may provide the material information either orally or in writing. Failure to provide any of the required information truthfully and in a "clear and conspicuous" manner, before the consumer pays for the goods or services offered, is a deceptive telemarketing act or practice that violates the Rule and subjects a seller or telemarketer to a civil penalty of $16,000 for each violation. Before a Consumer Consents to Pay: Before sellers and telemarketers get a consumer's consent to purchase or persuade a consumer to send full or partial payment by check, money order, wire, cash, or any other means they must provide the consumer with the information required by Section 310.3(a)(1) of the Rule. Sellers and telemarketers also must provide the required information before asking for any credit card, bank account, or other information that they will or could use to obtain payment. Clear and Conspicuous: Clear and conspicuous means that information is presented in a way that a consumer will notice and understand. The goal is that disclosures be communicated as effectively as the sales message. When written, clear and conspicuous information generally is printed in a type size that a consumer can readily see and understand; that has the same emphasis and degree of contrast with the background as the sales offer; and that is not buried on the back or bottom, or in unrelated information that a person wouldn't think important enough to read. When a seller or telemarketer makes required disclosures in a written document that is sent to a consumer and follows up with an outbound sales call to the consumer, the disclosures are considered clear and conspicuous only if they are sent close enough in time to the call so that the consumer associates the call with the written disclosures. When disclosures are oral, clear and conspicuous means at an understandable speed and pace and in the same tone and volume as the sales offer. The law requires truthful disclosures Sellers and Telemarketers Provide to Consumers, and my case is loaded with lies, false promises, delays that could have been resolved in the first week, if it were not for the greed to keep getting the withdrawals from my bank. I ask the BBB to hold EPS accountabl

12/1/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I signed an agreement to use EPS as a funding source for my customers. I wasn't filled in on how their billing system works, and now I'm paying extra! In October of 2013 a representative of EPS came to my door with an offer for funding my customers for 90 days. The salesman stated that I will pay $50 for the setup fee and $30 a month. Well I was charged $35 a month and $19.95 for processing fees. I could understand the extra $19.99 if I was using EPS for check or credit card processing. As well as $99.50 for an annual fee on Nov. 8 2013, and another annual fee of $99.50 on Oct 1 2014, just two weeks before my contract is done. This is awesome, the representative said they would refund me as a courtesy if I sign on for another year. WHAT? All I want is the annual fee reversed and consideration when it comes to what I was told compared to what I was charged $30-$55.

Desired Settlement: I would like a refund of the $99.50 as well as compensation to some extent in regards to what I was told compared to what I was charged

Business Response: Initial Business Response /* (1000, 8, 2014/11/03) */ I have submitted paperwork of the application signed by the merchant on 11/14/2013. The term of this agreement is 2 years (highlighted on page 2). You will see all fees were agreed to (also found on page 2) Monthly Fee 10.00, Monthly Minimum 35.00, EZ Payment Plan 7.5% and $1.00 of each check, Single check 1.89% and $0.25 of each check. A 50.00 set up fee, annual fee of 99.50 and since the merchant is using an online version of the check service a $19.95 gateway fee ( all highlighted. As previously stated, the merchants account will be cancelled November 2014 at the end of the 2 year term. Thank you Initial Consumer Rebuttal /* (3000, 11, 2014/11/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) The date filed on the contract by them is wrong, first of all. So doesn't that mean the contract was never good? I never initialed by the hidden charges. These guys are pulling every little trick and it's had quite a negative effect on my small business. Final Business Response /* (4000, 13, 2014/11/17) */ The agreement was signed, No initials needed, the signature alone validates the account opening and any fees associated. All fees are above the requested signatures(3 total)pre-printed for the merchant to review before signing. The use of the account The use of the service also validates the account. As previously stated, the merchants account will be cancelled November 2014 at the end of the 2 year term. Thank you

12/1/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: APPLICATION FOR CC MACHINE TERMINALS ON THE DEC 16 2011 I APPLIED FOR A CREDIT CARD MACHINE TERMINAL HOWEVER MY APPLICATION WAS DENIED AS I DIDN'T MEET THE REQUIREMENTS.I AM STILL BEING BILLED SINCE 2011 UNTIL PRESENT FOR SERVICE NOT BEING RENDERED I MADE SEVERAL ATTEMPTS TO HAVE THIS PROBLEM RECTIFIED BUT THE COMPANY HAS NOT RESPONDED TO ANY OF MY COMPLAINTS

Desired Settlement: I WOULD LIKE MY FUNDS REFUNDED TO ME IN FULL IMMEDIATELY

Business Response: Initial Business Response /* (1000, 7, 2014/11/03) */ on 12/19/2011 the merchant was approved for Credit Card processing and the EZ payment plan. Our customer service spoke to ******* for the first time after set up in June 2013, the merchant was calling in to cancel the account, stating he only wanted the EPS 90 day service, we advised how to cancel processing (submit letter as stated in the agreement) but will keep EPS 90 active at the merchants request. After several calls to the merchant we still have not seen notification to cancel. I will use the BBB complaint as the cancellation letter as a courtesy, and have the account cancelled on the contract renewal date of December 2014. Initial Consumer Rebuttal /* (3000, 9, 2014/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I applied to Electronic Payment Systems for accepting credit cards at my store.However their partners ***********************. & ********* who provides their credit card terminals & computer systems DENIED me on the grounds of low credit score. Never heard from any of them again. I was not a-ware that Electronic Payment Systems was electronically stealing monies from my account. No service supplied, no supplies,no equipment Never had access ,to use their services. Never got a statement from EPS or affiliates. That would have raised a red flag. When I realized monies being stolen from my account,I immediately made several calls, to EPS I could never speak to any one in charge ie. (******) ******** Left several messages with sectaries,No return calls. Yes I signed up for their services,Was denied their services, Never Had or used their services. Therefore a full refund must be made to me Final Business Response /* (4000, 11, 2014/11/17) */ I am not sure why the merchant is speaking about *** ******** or ******* in a complaint to EPS. The services (processing) was set up and the merchant was not denied for this. If the merchant has a complaint about other companies, he will need to notify them direct. EPS has a signed application for processing services and EPS 90 services, which they were approved for. As a courtesy, EPS cancelled the account, although EPS never received a notification to cancel the services.

12/1/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I canceled my contract with this company for credit card processing in 7/13. They charged my 99.50 annual fee on the 3rd of October. I canceled my contract with this company for credit card processing in 7/13. They charged my 99.50 annual fee on the 3rd of October. I contacted them on the 7th of October and they said a check would mailed in 7 to ten days. I recontacted them on the 8th and they said they would deposit the funds in my account on th 11th. I contacted them again today and they are telling me the refund has to be approved by the owneer and I cannot speak with or email him. I spoke whith ***** today.

Desired Settlement: The money they took out of my account (99.50)

Business Response: Initial Business Response /* (1000, 4, 2014/11/03) */ I do see that the merchant was charged the annual fee in error. The refund request was placed, but can take up to 30 days for approval for ACH or Check issued refunds. It does look like the refund was approved on 10/27 and an ACH to the merchants account was submitted on 10/31. The funds should be seen within 24-48 hours. Thank you Initial Consumer Rebuttal /* (3000, 6, 2014/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) As these people have lied to me many times before, the money has not been put back in my account as of today 11/5/14. It has now been over 72 hours. Final Business Response /* (4000, 8, 2014/11/17) */ Please check your account again, as we can only make the refund adjustment and see what has or has not been posted to your account. Tracking this in our system, it shows the posting was satisfied. If you do not see this in your account, we can move forward with a review, our accounting department will need to then see proof the funds were not received. Thank you

11/20/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Even after cancelling my service in writing with EPS they continued to withdraw unauthorized funds from my account. My one year contract with EPS began on 7/27/2010. I continued to use their services until April 2014. I called to cancel my service and was told to email my cancellation in writing. The customer service rep said my account would renew on July 28th so to get the cancellation in prior to that. On May 19, 2014 I sent the email with written cancellation. I then received an email back from customer service stating they needed my signature on the cancellation. I printed, signed and emailed it back. I also mailed a hard copy. When I checked my bank account I saw that EPS had withdrew a bi-yearly fee of $99.50. I called to dispute this and was told they had not received the cancellation notice. I then emailed it again 9 times and made several phone calls to ensure they got it. I was told I had to speak with the manager *** ****** She was never available and never returned my numerous messages. I sent more emails and continued to attempt to get help over the phone. Every customer service person I spoke with said *** had to call me back. This never happened. On 7/2/14, EPS deducted $64.73 from my bank account. I went to **** of ******* and filed a stop payment from EPS so they would not be able to steal more money from me. However, on 10/2/14, EPS got another bi-yearly fee of $99.50 from my account. **** of ******* stated they had changed their merchant name and the charge was able to slip thru. It is now mid November and I have continued to leave messages and try to directly resolve this issue. Last week I was told that Curtis is the person handling my account. I call daily, leave messages, no return call. Upon looking online at sights such as ********** this seems to be common practice for EPS. They conveniently never receive the cancellation and continue to withdraw unauthorized funds. I have been forced to close my bank account to stop them from continuing this.

Desired Settlement: I want my $263.73 refunded that EPS had no right to take from my account.

Business Response: Initial Business Response /* (1000, 4, 2014/11/17) */ The agreement signed is a year to year agreement which renews unless it is cancelled at least 90 days prior to the contract term currently in effect. It looks like there were several calls made to EPS by the merchants wife. EPS is unable to speak to anyone other than the owener or officer who signed for the services. EPS did finally speak to the merchant on 07/08/2014 and did receive the cancellation request from the account signor. The Customer Service manager did speak to the owner at least 2 times (according to system review) and the cancellation was requested to be cancelled 07/2015 per agreement signed. Initial Consumer Rebuttal /* (3000, 6, 2014/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response from EPS is inaccurate. For the four years we used our service with EPS they spoke only to my wife who handles all of my business accounts. Interesting how they could no longer speak with her when it was time to cancel. I called them on May 20th after receiving an email from EPS stating they needed my signature on the cancellation I had emailed them the previous day. I signed it and emailed it to them. From May 19 thru November 5th I have record of 17 emails I sent to EPS regarding my account cancellation and requesting they stop taking unauthorized funds from my bank account. After speaking with a customer service rep at EPS I gave written authorization to speak with my wife regarding the account on July 8th. They still refused to discuss the account with her. In addition to the 17 emails I have record of 14 phone calls. On 4 occasions I was connected to the manager Amy who was to verify my cancellation in writing. I never heard back from her a single time. I was a good and loyal customer of EPS for four years. They have continued to hold me hostage and steal funds from my bank account. I have been forced to go to the expense and hassle of closing my business account to stop them from stealing from me anymore. In their response to the BBB complaint they stated that they spoke with me on July 7th and processed the cancellation which was originally dated May 19th. So why did they continue to debit funds from my account on October 2nd for a $99.50 renewal fee?? Upon doing online research of EPS this is a common complaint. There is record of dozens of other customers of EPS that were treated in the same way I have been. EPS stating they did not receive the cancellation and ongoing unauthorized debits. Clearly this is how they do business. In addition to having to close my bank account I have spent hours and hours trying to settle this issue with EPS. Again, I ask to be reimbursed the $263.73 that was taken from my account after my cancellation. Final Business Response /* (4000, 8, 2014/11/19) */ The merchant refers to the contract he signed as EPS holding him hostage, and the fees he signed and agreed to as stealing his money, it is apparent that he is making invalid points in his BBB complaint. As I previously stated, the agreement signed is a year to year agreement which renews unless it is cancelled at least 90 days prior to the contract term currently in effect. The agreement was signed 07/27/2010 and approved/activated 07/27/2010. The notification to cancel services would have needed to be received no later than April 27th. At this time the merchant has been placed into collections for the fees owed on the remainder of the agreement. The merchant is welcome to contact the collections representative ***** ********* at XXX-XXX-XXXX to make payment in full or payment arrangements. Final Consumer Response /* (4200, 10, 2014/11/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response from EPS is unbelievable! I assume the employee turn over rate must be very high at EPS. My original call regarding cancelling my account was on May 16, 2014. The customer service rep told me to put the cancellation in writing and it would be effective immediately. As previously stated the cancellation was emailed to EPS on May 19th. When a customer cancels their service with EPS in May how do they justify withdrawing funds from their account in October?? I also had $64.73 taken from my account on 7/2/14. I have asked numerous times what this fee was for and no one at EPS has been able to tell me. Then I had 2 charges of $99.50 taken - one in May and another one in October. Now you actually have the unfair business practices of stating that I owe you money and you're turning me over to collections. Funny how none of that happened until I filed this complaint. Me along with hundreds of other past customers with very similar complaints. This is not a coincidence. This is a result of the poor business dealings by EPS. You rip people off EPS and should be ashamed of yourselves!

11/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Attempted to cancel an in-house financing service contract more than a year ago due to services provided not as described, still getting billed. Original problem is getting paid for vehicle repair work that customers financed through EPS. Their services were marketed as guaranteed payment to us, regardless of actual customer payment for financed work, hence the "guarantee". After several accounts payments were either drawn out for months or not paid at all, we attempted to close the program in October of 2013. EPS shows no notification letter until April of 2014. They demand that the year to year contract be finished, so we have been EFT drafted $35.00 a month for their service, plus $99.00 yearly renewal fee both last October and this October, even though they are providing no service whatsoever. We understand the concept of a contract, but since the original problem was EPS not properly paying us as the salesperson assured us we would be, we feel they should have just nullified the agreement. Two accounts remain not fully paid to us, total amount was less than $300.00, but 12 moths of $35.00 account fees plus two yearly $99.00 fees add up to enough money we contacted them to try and resolve the issue. No luck, we were passed from an account representative up to a manager, and what we get for our expressed dissatisfaction is an explanation that the contract ends November 17th, and all the money removed from our account was owed EPS, and in regards to the never paid repairs financed, we were told if the in house collections were unsuccessful, the accounts are turned over to a 3rd party, and if EPS ever receives payment, so will we. Very poor customer service and business practices resulted in this complaint.

Desired Settlement: We would be willing to accept half the amount paid to EPS as a refund, not going to worry about the actual non-payment on 2 old accounts. I come up with $618.00 paid to EPS with no services received in return.

Business Response: Initial Business Response /* (1000, 4, 2014/11/03) */ The merchant signed an Agreement in the month of November. As of November 2014 (this month) the account will have completed the contract signed and cancelled. This has been advised to the merchant on a few occasions. Again the contract for services was signed by the merchant, EPS did fulfill our part and guaranteed all checks that paperwork and documentation was completed.

11/17/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: 2 unauthorized charges to my business account causing it to overdraft. Paid $100 cash to **** ** *** a Georgia Agent I originally signed up with an Atlanta, GA dealer ***** ** *** and I paid him $100 cash. He stated money would not be taken out of my account until I've actually used the service. Last month EPS cause my business account to overdraft with a charge of $71.00. I filed a fraud claim with my bank **** Then today (10-3-14)another charge of $92.00 was charged from my account. I cannot get in contact with Mr. ***. I feel this is a get rich quick scheme. And I should not have to close out my account in order to stop these transactions from happening. No one from the company will refund. After I told them to drop the account and states its up to my bank to refund me.

Desired Settlement: I would like a refund of my charges including overdraft fees.

Business Response: Initial Business Response /* (1000, 9, 2014/11/03) */ The merchant signed a 2 year agreement with EPS through ***** *** and was approved for services on 08/22/2014. As of 10/08/2014 the merchant has been placed into collections due to breach of contract and placing a NOT AUTHORIZED on the monthly fees of $52.95. To review and research the charges the merchant has explained to the BBB, EPS will need bank statements showing the amounts and the Overdraft charges. Keep in mind that all fees EPS charges are preprinted on the agreement, and much like any service contract entered, services start the day of approval. If anything was offered by the agent other than what is claimed in the EPS processing agreement, you will need to reach out to the sales agent directly. Thank you

10/6/2014 Delivery Issues | Read Complaint Details
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Complaint: they will not respond to phone calls, they will not pay off former lease that they agreed to, i have been open over 30 years and this is the worst com they need to answer there phone calls , stop lying and do what they said they would do when they got me to go with there service

Desired Settlement: i am asking they pay off my prior lease like they said they were going to,

Business Response: Initial Business Response /* (1000, 11, 2014/09/22) */ Checking our records, we did not receive the documentation for buyout. To process this request, EPS will need the previous lease document with a total buyout amount. A verbal notification cannot be accepted, as this does need to be received in a letter/paper format. you can attach it to the BBB file. Thank you

9/15/2014 Problems with Product/Service | Read Complaint Details
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Complaint: A year ago, we chose EPS as a merchant processor and began billing. 2 days later they cancelled our contract but are still holding $47,500 of our $$ We have tied repeatedly to contact EPS, more than 25 times over the last year. They will not talk with us and will not return calls. The closest thing we have heard to an explanation is the "something is really wrong here" followed by no contact. I undestand from our attorney (who is preparing a civil complaint) the EPS is now in violation of the law, since hey have held our money for one year now. No activity has occurred on our account for more than 8 months. Management has repeatedly refused to return calls. Which I guess leaves us no alternative but to take legal action. The conduct of EPS personnel has been, from the beginning, terrible.

Desired Settlement: Complete return of the $47,500 they are holding in their "reserve" along with a written apology for their unprofessional behavior over the last year.

Business Response: Initial Business Response /* (1000, 4, 2014/09/03) */ The merchant was advised by our risk team that the account was shut off by the bank due to excessive chargebacks. This means that the merchant can either currently have or was previously placed on file for exceeding the maximum chargebacks (2%) allowed by Visa/MasterCard. EPS was notified in September 2013 that the merchant was on the MATCH list with previous processor for Excessive Charegbacks. At that time the merchant was advised that EPS would hold the funds for a minimum of 1 year. I do see that the merchant calls a handful of times in 2013 about the excessive chargebacks but the calls did not start again until August of this year. our risk management has began the process of reviewing the account.

8/25/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I own ******** ***** ***** LLC and EPS-90 Called me to use their system and this is my complaint. I received a call from ******* ********* about EPS-90 in Nov 2013. When he presented the program to me he asked that I just give it a try and see if it works for my Dealership. I told him I didn't think it would and declined his offer. He convinced me that if I signed up for EPS-90 there would be no fee's because I wasn't going to use the credit card machine for processing due to the fact I already had a system. He then told me he would send a packet to me and if I use payment plan forms for my customers, no fee's apply for that portion of the EPS-90 program. During the contract review with him I had asked ******* about the $25 and $10 Monthly fee again, and he said that part does not apply to me. Then he asked for a voided check, I asked why do you need that? He replied, So if you do use the paper contract we can direct deposit payments to your account, this is how we get payment to you fast. I asked him if this program doesn't work do I need to cancel? He replied "No, sense you don't want the card processor there is no need". The E-contract is dated for 12/06/2013 and I thought everything he said was true but on 02/06/2014 I noticed a $35 withdrawal from my account so I called ******* and he said this is a mistake. Then another withdrawal on 03/04/2014 of $35 again so I call him again and ******* said don't worry I will have it refunded back the next day. That did not happen. I have called several times and they will not put me thru to ******* and he has blocked my emails completely. Another person from EPS-90 called me and we talked about the issue and he said he would take care of this and talk with ******* to resolve this. Now no one will talk to me about this issue and I would like to get this resolved. Product_Or_Service: EZ Payment Plan 90 Day Account_Number: Lakewood Motor Sales

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like this contract voided and the withdrawals to stop.

Business Response: Initial Business Response /* (1000, 4, 2014/05/20) */ I apologize for the miscommunication. There are fees involved with the EPS 90 program and those fees are pre printed on the application signed. We have advised ******* that those fees cannot be waived for future reference. We are submitting a refund to the merchant for the amount of 175.00 this will cover 5 months of billing at 35.00 per month. Again, we apologize over the issue, and if there are any other questions please feel free to call. Initial Consumer Rebuttal /* (3000, 6, 2014/05/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) 1) I would like it in writing that ******** ***** ***** LLC and ******** ********* be released from the contract and that EPS will not damage the credit of the Social Security # associated with the contract in dispute mailed to ******** ***** ***** LLC, XXXXX ** ******** ***** ******* Mi XXXXX At that point I will close the dispute. 2) EPS has fulfilled their agreement to reimburse ******** ***** ***** the sum of $175 on 5/23/14 in which the complainant excepts. Final Business Response /* (4000, 26, 2014/08/13) */ again, Refunds can take up to 30-45 days to issue. Refunds are requested but our representatives cannot guarantee they will be approved. However, in this case, the refund was approved for ACH to the merchants account on August 5th. Final Consumer Response /* (3000, 16, 2014/06/23) */ ******** ***** ************** ********* have not received in writing from EPS90 stating that this matter will not be submitted to any credit bureau and release ******** ***** ***** and ******** ********* from the contract with EPS90.

8/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: EPS has continued to deduct the annual fee of $99.50 plus $10.00 per month since we canceled service with them in June of 2011. We signed up with EPS in May of 2003 for our credit card processing. We have a copy of the merchant application form that was signed. In June of 2011 we purchased a POS System & went with a different card processing company that was more compatible & saved us money on the rates. We called to advise EPS of this change & to cancel our account. When we realized they were still charging us $10.00 per month we called again & were told to fax them a request in writing which we did. We assumed it was taken care of until I discovered in May of 2013 that they were still deducting the annual fee & $10.00 per month. We contacted them & they said that we never canceled our account. I faxed them another request which I was told they would look into it & get us a refund. They have continued to give us the runaround & still deducting the annual & monthly fee. I have repeatedly called & they have done nothing to resolve this issue.

Desired Settlement: I believe they owe us a minimum of $758.00 plus interest or some kind of additional adjustment for all the aggravation & time that this has caused. I don't understand how they can legally get away with this kind of practice.

Business Response: Initial Business Response /* (1000, 4, 2014/07/08) */ The merchant called in on May 6 2013 to request cancellation of the merchant agreement signed in 2003. The merchant was advised of the EPS cancellation policy they agreed to in the terms and conditions, stating that we do need to receive a written notification at least 90 days before the end of the current year in effect. The merchant signed in May 2003, A cancellation letter was received in May 2013, the account was cancelled in May 2014 per the terms and agreement Initial Consumer Rebuttal /* (3000, 6, 2014/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) The application that was signed in May 2003 says nothing about their cancellation policy. This was verbal when we called to cancel their service in June 2011 when we changed companies. We were told to put it in writing & fax it to them which we did. We followed up with them & were told they would take care of it. We did not know they were still deducting the annual fee & the 10.00 per month charge until May 2013 when our accountant questioned the charges. We then called again & faxed another request to cancel & issue a refund. We have been getting the run around since June 2011. I have the bank statements, contract & letters to prove we did what they asked. How can they legally continue to deduct these fees from our account that has been canceled & inactive all this time? I don't believe we are the only merchant that has had this problem. They owe us a refund for the annual fee & monthly charges back to June 2011. Final Business Response /* (4000, 35, 2014/08/18) */ This application was faxed to EPS originally 11 years ago, we attempted to clear it up as much as we could. I have attached the enlarged copy of the terms and conditions if this will assist in your review. Thank you Final Consumer Response /* (3000, 17, 2014/07/15) */ The application that was signed in May 2003 says nothing about their cancellation policy. This was verbal when we called to cancel their service in June 2011 when we changed companies. We were told to put it in writing & fax it to them which we did. We followed up with them & were told they would take care of it. We did not know they were still deducting the annual fee & the 10.00 per month charge until May 2013 when our accountant questioned the charges. We then called again & faxed another request to cancel & issue a refund. We have been getting the run around since June 2011. I have the bank statements, contract & letters to prove we did what they asked. How can they legally continue to deduct these fees from our account that has been canceled & inactive all this time? I don't believe we are the only merchant that has had this problem. They owe us a refund for the annual fee & monthly charges back to June 2011. My contact person when I called to cancel our account was a woman by the name of ******. I then faxed her a written request to close our account and was told that she had received it & would look into the matter. No where on my application that I had or the one they faxed to me does it have anything with regards to their cancellation policy.

8/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I canceled my contract with EPS in September 2013. They are now debiting my bank account for "service charges" claiming account was never canceled. I engaged with EPS in July 2013, following a big sales pitch for "reduced savings on my credit card processing" and contractual expectations re: processing fees. After 2 months of service engagement with EPS, it became apparent that there were hidden fees (outside of the contract)no net savings to me as a merchant and deplorable customer service, as it would take days to get a return phone call from Customer Service. I canceled my contract with EPS in September 2013. And assumed it was a "fait accompli". Much to my surprise, an auto debit was effected, by EPS, for $35 "end of month fee" on 4/2/14 (8 months later) I contacted EPS and spoke with ***** who indicated that my account was placed on a "seasonal hold" by ****** (no longer connected with EPS) and that no correspondance indicating account CANCELATION existed on my now-dormant account. I sent a 5-page fax to ***** requesting the account be canceled and included past correspondence between Shelby and myself indicating same (in my fax on 4/9). On 4/21, I spoke to a ******** at EPS who indicated that yes, file notes suggested my account was canceled on 10-4-13, and the account had been noted as CLOSED (ticket # X-XXX-XXX-XX). Assuming that was the end of it, I was suprememly surprised to experience ANOTHER 35 "End of Month fee" taken from my business account on 5/2. Just recently, another $99.50 was debited (5/9/14) for "annual compliance fee". When I called again, I was told that a "seasonal hold" was placed on my account, it is still active (NOTE: ******** asserted there was no such thing as a seasonal hold; account noted as cancelled) and that a supervisor (***) would have to talk to "others" about canceling the contract. I have no other recourse but to close my business account (at much cost and time to me) in order to stop these erroneous, unearned and undeserved charges. I am available to discuss these details further by phone: XXX-XXX-XXXX. I am simply a small business owner who has been GROSSLY taken advantage by EPS, LLC Colorado. Final note: the independent sales division that originally petitioned my business (Merchant Solutions via EPS of AZ) is no longer representing EPS LLC. Your investigation is greatly appreciated! **** ****** Owner ************ ********

Desired Settlement: $169.50 and NO FURTHER BUSINESS ENGAGEMENT ON ANY LEVEL, INCLUDING TAPPING MY BUSINESS ACCOUNT FOR UNAUTHORIZED OR UNEARNED FEES.

Business Response: Initial Business Response /* (1000, 4, 2014/05/20) */ I am unable to locate an account with the information provided. Could you please provide a business name along with your merchant ID number? Thank you Initial Consumer Rebuttal /* (3000, 11, 2014/06/05) */ The very basis of my complaint was to (A) insist that EPS discontinue the unauthorized debits from my business checking account on the basis that my account was closed in late September 2013. Arbitrary deductions began "out of the blue" in April and May of this year on the claim (by EPS) that my account wasn't closed, rather a "seasonal hold" was placed on it. (B) I requested a refund of $169.50, the total taken from my account. I have provided documentation to EPS verifying my request to close the account (last year) and sent the documentation by fax on 4/9/14. On 4/21/14 I was told by an employee that yes, my account was indeed closed as of 10/4/13 and confirmed via "ticket # X-XXX-XXX-XX". The fact that the response you received from EPS was simply "account not found" validates my claim. Had the responder read the entire complaint, they should have picked up on my company name. On one occasion, when I called EPS (one of several calls), they found my account from my phone #/caller id. No time was spent on this original complaint by EPS. I am not satisfied,however, as the ignorant reply does not help me collect the $169.50 taken from my checking account by EPS. I am a small business owner, working 15 hour days to maintain operations and am finding this process overly time consuming if not grossly unfair. Please notify EPS that the account # they used to take fees ($169.50) out of my checking account was #XXXXXXXXXXX. AGAIN, THIS ACCOUNT WAS CLOSED ON XX-XX-XX PER DOCUMENTATION SENT ON 2013 AND RESENT ON 4/9/14 AND VERBALLY ACKNOWLEDGED BY EPS,ON 4/21/14. The address for the refund check, along with a letter confirming the cancelation of this account and no further collection activity will be taken by EPS, can be mailed to: ****'s ****** ***** LLC, DBA ************ ******** @ **** ** ******* ***** in Scottsdale, AZ XXXXX. I can be reached via e-mail or direct: XXX-XXX-XXXX. Thank you for your assistance in this on-going matter! **** ******, owner, ****'s ****** ***** LLC DBA ************ ******** Final Business Response /* (4000, 29, 2014/07/11) */ as previously stated the contact was made between the merchant and AMS- the merchants Independent Sales Office. It was not until April of 2014 that EPS was ever contacted by the merchant. Our cancellation policy does clearly state that written notification is needed to be received by our office to cancel services. Our corporate address is listed on the top of the first page of the merchant agreement. If the merchant would like, I can have the account removed from our in house collection team and cancel the service, but for a refund, the merchant will need to contact the agent office direct. Final Consumer Response /* (4200, 15, 2014/06/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) ****** (former Account Supervisor for EPS Processing & Leasing) did not place a "seasonal hold" on the account, rather written correspondence between ****** and I, via e-mail, specifically states my request to cancel the contract (due to hidden fees (not previously disclosed), false sales promises of "lower processing costs" that did not bear fruit and deplorable customer service; I did not receive return calls for several days on several occasions when phoning for assistance). THAT DOCUMENTATION IS ATTACHED!!! PLEASE REVIEW THE EMAIL FROM ****** ON 9/30/13 THAT STATES: "I HAVE SUBMITTED FOR THE CANCELLATION OF YOUR ACCOUNT...." Ergo: NO "SEASONAL HOLD" request as claimed in EPS rebuttal. I assumed this was a CLOSED matter (a then-monthly fee of $30, previously charged, was reversed in October 2013). I was extremely shocked to discover a $35 debit from my account on 4/2/14 (NOTE: previous monthly fee was $30, now $35 and originally quoted in the contract as $15 per month) When I called EPS to inquire about this arbitrary deduction, I spoke to a *****, who claimed that there was NO written request to cancel this account. I sent copies of all previous correspondence, between Shelby and I, documenting the request in 2013 re: CANCELING the account to ***** on 4/9/14 via fax (ATTACHED). My fax was completely ignored by EPS as further debits to my checking account ensued on 5/2/14 ($35) and 5/12/14 ($99.50).Furthermore, I received verbal confirmation from ******** (at EPS) on 4/21/14 that "yes, the account was properly canceled and closed in a timely manner on 10/4/13, there is no seasonal hold and the ticket # associated with this (internal-EPS) communication is X-XXX-XXX-XX". ***** (at EPS) had entered this data on XX-X-XX noting account CLOSED. You can imagine my frustration at this point. It seems that every time I called for assistance, between 4/9/14 to the date I filed this complaint, I was given conflicting information and met with complete indifference. To summarize the conflicting information, I've been told: "yes, account satisfactorily closed" to "no written documentation on file requesting the account be closed", to complete ignorance of my faxed correspondence on 4/9/14, to the current accusation that I am harassing customer service. Given the above facts, and deceptive manner and practices by EPS, I can honestly state that I feel harassed beyond measure. It should also be noted that ****** is no longer associated with EPS and is not in a position to speak to this matter, as I reached out to her again recently. The very spirit of a contract implies that both parties will participate based on mutual agreement and expectations. My expectations were not met, fees were constantly changing, with clearly a disconnect in communication despite written facts and documented history. I question the integrity of this company and its employees and would prefer this matter be settled in finality with BBB's assistance. Their rebuttal does not address any of the above facts, rather quotes the terms of a previous contract that was effectively canceled due to lack of performance and inaccurate billing practices on the part of EPS. Thank you for your assistance. **** ****** Consumer Response /* (3000, 37, 2014/07/29) */ From: **********@aol.com Sent: Tuesday, July 29, XXXX X:XX PM To: ***** ***** Subject: Re: Denver BBB RE: Complaint Case #XXXXXXXX Dear Ms. ****** I appreciate your personal attention in this matter. I do not have a contract with EPS, with an "official corporate address" to complete the insidious request for additional documentation of cancellation notice (despite volumes of documents previously supplied). I completed an Application to become a merchant with EPS. I do not recall signing any contracts per se. Let me also reiterate that on 4/21/14, an EPS Customer Service rep (Dominick) confirmed by phone that indeed my account was noted as "satisfactorily closed" on 10/4/13. ******** also provided what I assume is an INTERNAL "ticket number" as further support that this matter was concluded LAST YEAR. The ticket number he provided: X-XXX-XXX-XX. Furthermore, another CSR, "*****" gave me a FAX number with which to send my documentation of cancellation request (from months prior); suggesting that a FAX was sufficient (said fax sent 4/9/14). Again, this was sent to *****'s attention, an EPS CSR, at his suggestion. Sadly, it was ignored. BBB issued a letter to EPS, attention **** ******, dated 7/2/14, noting EPS's violation of BBB standards with a request for response by 7/9/14 or revocation of BBB accreditation would ensue (response later submitted on 7/11/14). This last response by EPS, through the on-line communication between us, suggested they would "remove my account from in-house collections and cancel the services"...."for a refund, the merchant will need to contact the agent office direct". I am no longer interested in pursuing the refund I am due ($169.50), rather, simply wish to be released from any liability, recourse or further communication from this company. and accept their promise as reiterated in the sentence above, from their on-line response. To the extent that you are in agreement with this agreement, and can confirm EPS intentions and indication that they will follow through on their "promise" to cancel the service, we can consider the matter closed. Thank you, **** ****** Owner ************ ******** ****'s ****** ***** LLC Business Response /* (4000, 40, 2014/08/13) */ To re-confirm with the merchant, the account was cancelled and removed from our in house collections on the 11th of July. If there are any questions please let me know. Thank you Consumer Response /* (2000, 42, 2014/08/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)

8/11/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Business breached contract and it caused me monetary damages. Business failed to deposit $369.75 on March 7, 2014 on my account. I made several calls to the business and talked to a supervisor named ****** on 3/12/14. I told him that if he did not tell me by that day when would the money be deposited the contract would be terminated. I faxed him that day the information he required and put in the fax the content of the prior sentence herein. He never contacted me that day. The next day I sent a letter to EPS stating that they had breached the contract. I also returned the payment machine to Ladco Leasing which leases the machine. After the receipt of my letter, EPS paid me the $369.75 and another payment of $369.75 which was due to me from another client. However, on or about 3/13/14 I told the latter client to stop payment on the last check that was to be deducted by EPS from his account. I did this because EPS had breached the agreement and I did not know then whether they would deposit any further payments from clients on my account. That check which the client stopped payment for was for $350 minus EPS charges the payment due me which I never received was $323.50. Furthermore, because of EPS breach I had to ship the payment machine to ***** ******* for a total charge of $61.49 for shipping and handling. I have documents to prove all of the above.

Desired Settlement: I want $384.99 in the form of a check.

Business Response: Initial Business Response /* (1000, 5, 2014/05/08) */ EPS is currently looking into your complaint, but as requested many times by our customer service, we do need to validate the information you show. Please send the check agreement, and receipts along with bank statement for the timeline outlined in your complaint to further our research. EPS is not liable for any fees for your lease with ***** leasing, we are two different companies, any fees from ***** will need to be requested from ***** direct. Consumer Response /* (3000, 18, 2014/06/20) */ I provided EPS all the explanation and evidence to document my claim on 5/19/14. They have failed to answer. The total they owe me is $400.84. They continued to try to withdraw money from my bank account so I had to close it and had to pay $15.85 for new checks. Thus, the new total due by them to me. It is obvious that they will not respond to my complaint. Please enter my complaint against their record in your data bank. They owe me $400.84 and they never paid me. Business Response /* (4000, 20, 2014/07/08) */ The merchant states that they have provided the documentation to validate the amount and claim, however there is no attachments on the BBB Site. I cannot move forward without this information. Thank you Consumer Response /* (4200, 23, 2014/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) This business is just stalling. I sent them everything on 5/19/14. It just shows what kind of business they are when they themselves cannot find my documents. I refused to waste anymore time on this matter. I am a consumer protection law attorney. This business has terrible customer service and it had it for all the four years I dealt with them. Frankly, it speaks bad of CO to have a business like this over there. But I guess they are everywhere. I repeat they breached the contract I had with them. They owe me on damages for $400.84. Otherwise, please report them that they have failed to satisfy my complaint. I have nothing more to say. Consumer Response /* (3000, 18, 2014/06/20) */ I provided EPS all the explanation and evidence to document my claim on 5/19/14. They have failed to answer. The total they owe me is $400.84. They continued to try to withdraw money from my bank account so I had to close it and had to pay $15.85 for new checks. Thus, the new total due by them to me. It is obvious that they will not respond to my complaint. Please enter my complaint against their record in your data bank. They owe me $400.84 and they never paid me. Business Response /* (4000, 20, 2014/07/08) */ The merchant states that they have provided the documentation to validate the amount and claim, however there is no attachments on the BBB Site. I cannot move forward without this information. Thank you Consumer Response /* (4200, 23, 2014/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) This business is just stalling. I sent them everything on 5/19/14. It just shows what kind of business they are when they themselves cannot find my documents. I refused to waste anymore time on this matter. I am a consumer protection law attorney. This business has terrible customer service and it had it for all the four years I dealt with them. Frankly, it speaks bad of CO to have a business like this over there. But I guess they are everywhere. I repeat they breached the contract I had with them. They owe me on damages for $400.84. Otherwise, please report them that they have failed to satisfy my complaint. I have nothing more to say. Business Response /* (4000, 40, 2014/08/08) */ As you can see, the documentation was uploaded 07/22/2014, and was not uploaded or provided in May as stated. The file that was provided are bank statements, these statements show that funds were deposited to the merchants account. The merchant provided The Paperwork showing the check dated for 03/11/2014. Obviously we cannot deduct from the check writers account before that date. The merchant was advised of this. EPS was notified of Funds cleared and sent to his bank for deposit. EPS never advised the merchant to have his customer stop payment, the merchant advised that himself. EPS is not responsible for his errant communication or any fees for that representation. Consumer Response /* (4200, 43, 2014/08/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) EPS continues to lie as expected. The records were mailed to them on 5/19/14. They simply lied about obtaining them as explained by me before. They are wrong about the check being withdrawn on 3/11/14. The check in question was supposed to be withdrawn from my account on 3/3/14 and deposited on 3/6/14 NOT 3/11/14 as they say. Proof was provided of this. I advised the client to stop payment because EPS had breached the contract with me by then. But then again this has been explained before. EPS is just confusing the issue to explain their reprehensible conduct. Please refrain from putting the following statement anywhere related to my complaint: "BBB determined company provided proper verification that indicated there was no obligation to resolve issue of complaint." I will check the site later to make sure that this has not been done. As stated before, I object to this statement. EPS has provided verification of nothing. They just have shown a failure to recognize that they are a shoddy company with terrible customer service. In short, EPS response is non-responsive and evasive.

7/21/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Threat over the phone to send our decision not to accept their payment system to collections. They said it would go again Mr.****'s personal credit. We decided June 24th, one day after the telephone contact, to keep the credit card processing system we already had. We informed EPS of our decision. They tried to convince us other wise and would not accept the decision. I had to hang up on them twice because they would not accept this answer. The contract was signed electronically. We have at least three days or more (probably more) to change our minds. In reflection, we feel they were scamming us with promises of thousands of dollars they were going to collect for us out of the billions of funds available to companies from previous credit card processing fees. We also sent a letter dated June 24th, 2014 informing them of our decision. We received a call on our voice mail threating to send us to collections because our contract could not be changed. Also, that this information would go against our credit. We do not appreciate any big company trying to bully small companies into submission. I truly hope this does not happen again to any other small company. They claimed that we were rude and unprofessional but, we feel that they were the ones that were rude and unprofessional. They didn't care that we felt what we had was what we needed personally. They just wanted our money. I dare to say that they have caused us to look on their company as someone we do not wish to do business with now or in the future.

Desired Settlement: We do not want ANY reporting going against our credit rating as threatened. Second, EPS used promises of getting thousands of dollars (settlements of billions were available) back to us from previous credit card processing fees. We hope to see these kind of pressure tactics not being used unless proven. Too good to be true? Probably. Also, we hope to see no harassment or threats being used against anyone who chooses to decline their offer after being pressured over the phone to make a speedy decision. Especially when the decision is made within a day after the phone call.

Business Response: Initial Business Response /* (1000, 4, 2014/07/08) */ The merchant spoke to ****** and signed a contract for services on June 23,2014. The merchant provided EPS all business and personal information to move forward with the agreement, and even emailed our office a business check and copy of his ID. As requested by the merchant we sent the terminal overnight to start our system as soon as possible. Per the state of Kentucky,once the agreement has been signed by both parties and it is accepted without any changes, the agreement is binding. There is no 3-day right of rescission for a purchase or contract. As you know EPS has paid dues to board the account, downloaded a new piece of equipment (that can nolonger be sold as new) and paid to ship the equipment etc. For this reason we do have a contract. At this time, the merchant is in our in-house collections department and have not been submitted to any other collection agency. The merchant can contact our collection department and speak to ***** ********** He can review any payment or buyout options with the merchant.

7/21/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Making false promises on their services and not letting you cancel. A sales person from EPS/EPS90/ELECTRONIC PAYMENT SYSTEMS from ENGLEWOOD COLORADO came to my place of business making big false promises to process credit cards and short term loan services, they promised to meet or beat the rates we had at the time, but after switching to their service they immeadiatly started charging much higher rates, I called them and they promised they would make adjustments or refund the money, but that never came through. An additional service they sold me was a check system called EPS90 running postdated checks for customers like a short term payment agreement (90 Days), they told me that if for any reason the customers checks would not clear EPS would pay for the checks, now I have two checks totaling almost $1000.00 dollars, and EPS is not paying for those checks when I called them for about the 15th time, sent many e-mails to them, and left voice messages finally they told me to send the equipment back to the leasing company (1st Amerincan Leasing LLC).That is a third party company EPS used when I first signed up with their services that equipment was mandatory and it had to be purchased from EPS and leased trough this leasing company, but now the leasing company sent me a letter saying the lease with them 1st American Lease can NOT be canceled it was a 48 month lease, even after they confirmed they received the equipment back. I then contected EPS back but they are saying they can not help me to cancel the leasing company and can not cancel the agrement with them. I think these two companies are working together to rip people off, now I have two companies charging monthly fees adding up to more than $7000.00 for someting I don't use and equipment I already sent back. I am also filing a saperate complaint against 1st American Leasing about this issue.

Desired Settlement: want to cancel without paying any fees.

Business Response: Initial Business Response /* (1000, 11, 2014/07/08) */ EPS enters the agreement as what the merchant signed to on our merchant application. The agreement that was signed into on 09/11/2013 is a 2 year agreement, EPS did receive notice of cancellation on May 14, 2014 and the contract will cancel In September 2015, again, per the agreement signed.

7/9/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Requesting Release of held funds by EPS that was agreed to be released January 2104 to Finest Luxury Enterprises, Inc, MID XXXXXXXXXXXX. On January 04, 2013, our company processed 3 orders, totaling the amount of $4,250.00. After review by the EPS risk department, they decided to shut down our new account and hold all funds for 12 months because the terms of the statements of orders that were processed was for 6 to 12 months period. We did originally request that since they felt we were high risk, after being pre-approved, that they simply refund the 3 transactions to our clients and end the relationship at that point. EPS refused to comply and insisted that funds be held for 12 months. In December, 2013, I called the Risk Department and spoke to Ryan. He pulled our file and did confirm the funds being held for 12 months. He explained that the funds were not up for release until January 07, 2014 at which time we can call to confirm that the Release of funds are being processed to be returned to us. I called on January 08, 2014 and spoke with Ryan again and he did confirm that he put through the paperwork to Mr. Peterson for final review and release funds. He explained it could take anywhere from 2 weeks to 2 months and it should not take any longer. I called Ryan at the end of January to check on the status and he confirmed that it is being reviewed for release and normally the held funds are released at the end of the month so they can take care of all of it at once. I called several times since and left several message with Ryan and finally was able to get ahold of him in mid-February. He apologized for the delay and said we are one of many with this concern and promised that our funds will be released shortly. I waited another couple weeks with no response and attempted to call Ryan a few times a week leaving voicemails. After about a month of leaving several messages a week with no response, I began leaving voicemails a few times a week with Ryan and Mr. Peterson with no success of contacting either of them. As of June 02, 2014, I have not received any response as to the status of when our funds that were due to be released in January, 2014 will be returned to us.

Desired Settlement: We ask the BBB to help resolve this issue so that our release of funds in the amount of $4,250.00 are paid back to us in a timely manner. There is no reason why any company should have to wait 5 months in addition to the original 12 months that the funds have already been held. I feel that we have been more than patient in this matter. Please note that Merrick Bank already submitted a 1099 for these funds that we paid. Yet, we do not understand why EPS refuses to answer our dozens upon dozen of voicemails and will not communicate or comply with the release of funds that our due to us. Thank you for your immediate attention into this matter.

Business Response: Initial Business Response /* (1000, 13, 2014/07/08) */ The merchant has been advised several times by our risk management, that we do need to go through proper steps of advising there is no more risk left to EPS in the sales the merchant processed. As of today, the check is scheduled to go out on 07/11/2014 Initial Consumer Rebuttal /* (2000, 15, 2014/07/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

7/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: While utilizing the services of EPS a 10% reserve was withheld from all transactions. We terminated services over a year ago and they have not refund We terminated our services with EPS and were advised by *************, and ********* that we would have to wait one year for the return of the 10% reserve. One year has passed and they have failed to respond to any messages or emails, or provide the funds being withheld.

Desired Settlement: We want all Monies being held by EMS to be returned.

Business Response: Initial Business Response /* (1000, 7, 2014/06/20) */ The merchant contacted our office on May 13 2014 for a review of the reserve funds. The review of these funds can take 30-60 days as the merchant was advised. The total reserve amount was $83,215.64. The fees owed to EPS totaled $19,731.32 totaling a check sent to the merchant in the amount of $63,484.32. If there are any questions, please feel free to contact Mike Peterson in our Risk Management Thank you

6/23/2014 Delivery Issues | Read Complaint Details
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Complaint: To whom it may concern I spoke to Ret today he is the Lead technician for Tech Support. He told me that ***** who I had been a manager in Feb of 2014 that I had spoke to is no longer there along with Byron who worked in Tech Support. I have notes prior to speaking to Ret from last year that I had called in November and December asking what I needed to cancel my contract since it was going to end in Feb 2014. Instructed me to send in cancelation so that my contract would not be renewed for another year. I sent in a letter requesting this many of times. At this time I am looking to hiring a attorney and also going to my local news station which I have a good friend that is a anchor here in town and letting my community and the state of Arizona know how EPS works as professionals. I was told by Byron that this would get taken care off and that it would be cancelled and would not have to worry about monies being taken out of my account. Ret expressed to me that many people to do notate accounts and that is one of the reasons why the same people I dealt with are no longer there. He also said that he cannot guarantee or say that I did call but who ever took my call did not log it into my account. I did ask him if he saw all the times I did call irate and upset if this was notated. Ret said yes that is in the notes and I asked then why aren't my phone calls logged in? I want my cancellation that was sent in since last year to be honored and that my account no longer is debited. I also want to say that the customer service there is misleading and misrepresented and that even reps have to hold by legal bounds when conversing to consumers. My business name is JAP and Associates the phone number is 480-306-4898. I will go public with this if need be. Thank youVeronica Mueller

Desired Settlement: DesiredSettlementID: Refund From March April and May of 2014 which is $***** monthly and for my account to be cancelled. I do not want to do business with a office that does not want does not take accountability that representatives are not trained to log calls or conversations. I am sure if you look further into this company you will find that I am not the only merchant that is dissatisfied with the conduct of this business. However Ret was the only one who was helpful today. Thank you

Business Response: Initial Business Response /* (1000, 4, 2014/05/20) */ Unfortunately none of the information the merchant provided is pulling up matching with a Merchant account on file. Could the merchant possibly provide a business name and MID number? Initial Consumer Rebuttal /* (3000, 8, 2014/05/21) */ my merchant name is JAP and Associates PC my phone number that they can bring up my account is ***-********. Please look into this, this is one of the confusions they have there and I show on my bank statements they are taking out money every month. Final Business Response /* (4000, 14, 2014/06/10) */ reviewing the status notes on this account, Going back to 2012 on March 2012 the merchant called in about questions on her lease agreement, since EPS is not the leasing company, we could not assist and advised her to look on the leasing paperwork for correct contact information. The next call was March in Feb and March 2014 to review cancellation process, which I do show the merchant was speaking to ***** EPS did receive a cancellation letter on March 7 2014. Per the agreement signed, the merchant does need to provide EPS with a 90 day written notification before the end of the contract term then in effect for the agreement to not renew for an additional one year terms. The agreement was dated Feb 03 2009. The merchant was advised by our customer service team that EPS would have needed to receive a cancellation letter by November 2 2013 for the agreement to not renew. If the merchant has a document showing EPS physically received the cancellation letter before this date, please send that information and we can further review. Thank you

6/23/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Paying For Services Not Received I have disputed charges by this company and have not received any seolution

Desired Settlement: Return All Funds For Services Not Provided

Business Response: Initial Business Response /* (1000, 4, 2014/06/10) */ EPS received and approved an application to process credit cards on 11/13/2012 for A&M Automotive. The application shows that both ******* and ******* ******* signed for this service.The EPS agreement the merchants signed is for processing service, not for equipment. As of 11/13/2012, as requested per the signed agreement, EPS opened an account allowing the merchant to accept credit cards. EPS had made contact with the merchant and when the merchant called in May 2013 about a PCI charge to the account, he advised he did not want the account opened. This was the first contact made to EPS by the merchant of no longer needing the account. The merchant was advised on that call in May 2013 to send in a cancellation letter for proper cancellation procedure. He was advised of this again on May 8 2013 and again on May 9 2013, and again May 15 2014 ( a year later) each time the merchant refuses to send the cancellation letter. It was explained to the merchant Just as we need a signature to open a merchant account, we need that signature to cancel a merchant account. Once EPS receives the cancellation letter, we can submit for proper cancellation.

6/9/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I tried to get assistance many times for a reverse payment they continued to send me to voicemails then never called back. All payments take three da Three days some times longer

Desired Settlement: Provide better support

Business Response: Initial Business Response /* (1000, 4, 2014/05/08) */ Our records show that the merchant has had issues with multiple disputed transactions (chargebacks) along with NSF's on ACH Debits for chargebacks. These issues may and will delay deposits. EPS risk management follows all guidelines by Visa and MasterCards policy. Initial Consumer Rebuttal /* (3000, 14, 2014/05/20) */ This is a plain lie the company was notified many times. That Secure Comfort did refund the customer and now the merchant is hold other funding with long delays for little to no reason. We should not be abused in this way.

6/2/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I was told EPS-90 was FREE to use. did NOT sign up for credit card processing. still got charged and they wont return phone calls. its been 4 months I was contacted by an ******* ********* about an EPS 90 program which gives my customers up to $5000 WITHOUT credit check to buy vehicles from me. we spoke for over a month and over that period he assured me multiple times it was FREE to use and no charge no contract and so on. he did mention they did credit card processing but I told him I was not interested in it. when he sent me the contract it had some number on it that were incorrect as far as monthly charge and minimum transactions and amounts, but when I called him he said it was for the credit card processing not for the EPS 90 and that it was a NEW program and they use the same contract. after the first 30 days I got charged via ACH $35 and $19.95 I contacted him and he said that I was NOT supposed to be charged and it is a FREE service and he will refund the amount. the following month I was charged $35 and $19.95 AGAIN but this time ******* would NOT answer my calls or emails. I got a hold of a bunch of managers and they keep kicking tires and not following up with me until i was charged a THIRD time $35 and $19.95. I started calling again and even got a hold of the "president" of the company **** ***** and he talked to me one time told me it was ridiculous what was going on with me and "he will get to the bottom of it and fix it" after about 10 days I got a hold of ******* in which he apologized because he was OUT of town and he said he would get the issue resolved and I would be refunded in FULL plus he would put my account on HOLD so I won be charged and fix my contract. i was great. 4th month comes around ( which was about 1 week after i spoke with him and 6 days ago )I got charged a FOURTH time same charges. i called him many times and he did not answer me. I STILL DO NOT PROCESS CREDIT CARDS WITH THEM AND I DO NOT USE THE EPS 90 PROGRAM EITHER. I need this issue resolved and taken care of.

Desired Settlement: I am seeking to be refunded the money I was charged for a service that was "FREE" and nothing I signed up for. I never even used the service. I was charged $50 to sign up which I authorized and I'm OK with being charged. however im NOT OK being charged $35 a month and an addition $19.95 per month for a total of $219.80 over the last 4 months period.

Business Response: Initial Business Response /* (1000, 4, 2014/05/20) */ I do apologize for any miscommunication. There are fees for our EPS 90 service. these fees are located above where we request the merchant to sign 3 times. Although it is not normal practice to cancel our an agreement with a refund we will do just that. To process a refund I do need documentation of any charges that are being requested for a refund. Once I receive that documentation a refund request can be placed

5/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Refund for charges on a service we terminated and returned equipment. We wrote a letter requesting the termination of our credit card processing services and returned the equipment the same day suggested by ***** at EPS on 2/22/2013. After faxing the letter ****** our office manager called ***** to confirm she received the fax ***** confirmed she had received it. Over a year later we are still getting charged to our account electronic withdrawals from EPS for $35.00 and a electronic withdrawal from Integrated for $86.42 a month along with other charges including a $642.84 in July 2013 with no explanation. Our accountant has documentation for the charges taken from our account since we have terminated our lease with EPS and returned all equipment. We would be happy to provide to you if needed. We have tried to contact EPS several times in the few times we made contact they say we are in a continuous renewal. I'm not sure how we can be charged for use of a product we returned and they confirmed they had received. We finally was able to make contact today with a ******** at EPS after trying to make contact with the manager of EPS for 3 hours. ******** suggested we send the original letter we faxed to ***** to terminate the service of EPS and fax a request for service rendered and not used and confirmed again they had received the equipment in 02/2013 and didn't show we had a lease with them. I am at a loss how this company can charge us for something we don't have the equipment to process our credit card services. I would be more than happy to send the breakdown of charges withdrawn from our account and any further information that would be helpful to you. Your assistance in this matter would greatly be appreciated. Thank You, ****** ********, Vice President, *** ******* & ******* Inc.

Desired Settlement: The amount of charges made after returning equipment and sending letter cancelling our credit card processing services as of 2/222013

Business Response: Initial Business Response /* (1000, 7, 2014/04/21) */ in review of the notes I do see that ***** did leave a message on 02/22/2013 advising that we needed a cancellation letter to be sent in, once we received the cancellation letter the account would then not renew in March 2014 for additional 1 year terms. The merchant called back on 2/22/2013 and advised they would be sending a cancellation letter but no letter came through. The merchant recently placed a stop payment on the March 2014 (final) payment. the amount of $35.00 plus the 25.00 ACH rejection fee is due to complete the agreement. The account is currently cancelled by may be in a collection status unless the payment is received. Initial Consumer Rebuttal /* (3000, 14, 2014/05/07) */ We do not accept the response from EPS. The cancellation letter was returned with the credit card machine readers and were received. This was verified by ****** an agent we spoke to in March 2014 regarding the matter. That they would continue to bill us a year after the contract was cancelled is ludicrous. We refuse to pay for services and products not received and not being used. Our resolution would be for EPS to refund the $2,689.87 that they have taken. Final Business Response /* (4000, 19, 2014/05/08) */ At this time the account is cancelled with a balance owed due to the ACH reject. I am not sure who ***** is that the merchant spoke to,we have had no one here by that name. The merchant signed into an agreement, and with all agreements/contracts there is a term for the services provided. If someone signs for a lease on a car or a cellular phone contract, they are held to that and cancelling before would result in penalties,the same applies for the merchant service agreement signed.

5/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: spoke with *** and ******** and **** in customer service to cancel account they lost fax 3 times and want me to fax again. pathetic called 02/26/14 1:35ct and spoke with **** and was transferred to ***. had me fax a letter on my cancellation. faxed 02/26/14 1:45pm ct. another payment came out of my account so i called back and spoke with ******** and was transferred to ***** and was transferred to ***** ext ***** was told by ******** to refax. left message for ***** 2 times that day with no call back. faxed again on 03/05/14 10:03am. another payment came out of my account and i called back on 04/04/14 11:15am ct and spoke with *** and faxed again at 11:15am and called back at 11:20am ct and spoke with **** and i was told that *** received the fax. all faxes went through successfully. i want remibursed for the last two payments and for this year because i think the lying cheats at eps will continue to draw money from my account.

Desired Settlement: money back for overcharging

Business Response: Initial Business Response /* (1000, 7, 2014/05/08) */ The merchant signed an agreement with EPS on March 23 2010. The agreement terms are year to year, if the merchant requests for the account to not renew for an additional one year terms, the merchant must notify EPS in writing at least 90 days prior to the renewal date. The merchants contract should have been cancelled at the end of March with the merchant still owing the March fees. I can place a refund request of 35.00 for the month of Aprils fees and the account will be cancelled.

5/5/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: They misrepresented their processing fees. They failed to tell me about other monthly /yearly charges and charged me for things they didn't deliver ***** ******* representing both Electronics payments systems (EPS) and 1st American leasing. Signed me up for a new credit card processor. It was represented to me that I would be processing at 1.89%. And I would be saving about $100 per month on the average over my current processor. They have been charging about 2.5% plus $35 per mouth plus an annual fee. There for costing me more. They also told me I had to have new equipment but don't worry they had the leasing company and signed me up for a $111.84 lease from 1st American leasing. They also added an $8.95 per mouth warranty and at one time for several mouths they were charging me an additional $8.95 warranty for equipment I didn't even have. They also promised me a big outdoor sign to help promote this new service. That never came to be either. They have caused me so many financial hardships I just want to be done with them. I would like to be released from any and all obligations from them (EPS) and anyone connected to them (1st American leasing) I feel that I could be owed several hundred dollars also but if they just let me go I will be more than happy to be done with them.

Desired Settlement: At this time I am not seeking any monetary settlement. The only thing I want it to be done with them, Electronic payments systems and 1st American lease. And without any early penalties or other drafts from my checking account.

Business Response: Initial Business Response /* (1000, 7, 2014/04/21) */ EPS cannot speak on behalf of 1st american leasing company, only our agreement. The Mr. ******** will need to contact the leasing company direct for review of that agreement. Mr. ******** signed for services and was approved for services on 05/15/2013. At that time he reviewed and signed the agreement for processing with EPS with Mr. ******** On page 2 of the merchant application on the top section noted as PRICING SCHEDULE A all possible fees are disclosed preprinted on the agreement This includes any monthly , per transaction, or annual fees. This is above where it is requested for the merchant to sign 3 times accepting the terms and the personal guarantee. From May 2013 until Feb 25 2014 the merchant did not contact our offices over any issued until Feb 25 when the merchant submitted a cancellation letter. The merchant service account has been scheduled to cancel on May 2015 per the agreement and contract signed.

5/5/2014 Problems with Product/Service
4/29/2014 Delivery Issues | Read Complaint Details
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Complaint: To Whom It May Concern, My name is ******* *** and I own an auto dealership business, **** **** *****. I would like to file a complaint against EPS (Electronic Payment System) their headquarters address is 6472 S. Quebec Street, Englewood CO 80111 and phone number is 1-303-221-2510, The reason for filing my complaint is, EPS withdrew an amount of $5,054.08 with no authority. I did not understand why they withdrew this amount so I contacted them on February 25th, 2014 and spoke with a girl named *** to address the matter. She said that I should fax the bank statement to her and she'll deposit the money back into my account the next morning, so I did Fax it in. There was no response, so I called again and the person I talked to said that *** didn't work for the department anymore. So, I talked to a gentleman named Byron in customer service and he told me the same thing, to fax the bank statement and he'll tty to deposit the money back into my account by March 3rd, 2014. There was no change in my account and I still had the amount stated above missing from it. Fve left messages to the manager and I haven’t received any calls or emails about this matter and because I haven't been contacted I feel that I'm not getting my money back, so I want to file a complaint and ask that the BBB will help me solve this matter. I've emailed twice and talked to countless agents with this company but there hasn't been no response. Tf this was a mistake like the company said it was, they should've acted fast to solve this matter, but it’s been about 3 months and to no avail I'm still missing my money. I'm afraid that I've been a victim of fraud.

Business Response: Initial Business Response /* (1000, 4, 2014/04/21) */ The merchant did speak to our customer service on various occasions. This is currently in review as stated to the merchant, as it is an issue from the processing center. as of today, I do not see a response. I will contact their offices and request an update. Initial Consumer Rebuttal /* (2000, 6, 2014/04/29) */ From: **** ***** (mailto:*****************@yahoo.com) Sent: Monday, April 28, XXXX X:XX PM To: Better Business Bureau Subject: Re: BBB Complaint Case# ******** (Ref#73-23001241-********-X-XXXX) This is *** **** *** from **** Auto Sales the complaint case # ******** have been resolved. thank you

3/28/2014 Problems with Product/Service | Read Complaint Details
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Complaint: The representative of this company said that I would be approved for a merchant account for the sales of a travel club and I was denied after 2 months I was told by ***** ***** that I would be approved to offer my services which is a travel club with their company and be able to use their company and be able to be a merchant for credit card processing. He also put me through a three way call with his boss/owner and he also stated that they do many timeshare companies with no problem. I was a bit hesitant because not too many merchant companies offer merchant accounts to timeshares. Even though our company is not a timeshare, I told them both that it is a membership club. They said no problem. They both disclosed to me the fees that would be incurred plus I had to sign a lease for the credit card machine. I asked how much that would be. They said it would be around $99.00. I said why do I have to sign a lease? What if I don't get accepted by your company? They said no problem. I am approving it, said ******** boss. I think his name was ***. I asked *** why do I need to pay this amount every month if I already have a Credit Card machine. *** said, "That's the way we do it." After running a few transactions, I found out that they closed my account within weeks. They said that it was going through risk management. I tried over 10 times calling ***** directly to his cell and telling him of what happened. He said don't worry we have another bank that we can place you in. During all this time I was waiting for weeks to find out what was going to happen. I tried calling him several more times but this time he didn't answer my calls. I called his cell phone, I tried texting him, I called his office. The receptionist always said he was in a meeting or was busy with another client. I don't know how someone can be with a client and being busy for two straight weeks. He never even had the decency to call me back and apologize. I just can't believe that this company makes you sign a lease even if they are not totally sure that I will be able to process with them.

Desired Settlement: I would like to be able to get my money back except for the two months that I had my merchant account open with them and be able to break the 4 year lease with Northern Leasing Systems, Inc. I have been paying for 7 months $791.28 ($113.04 monthly). I also would like for this company to disclose to future clients that having a merchant account is not necessarily approved. There is a window period that their risk assessment department will approve or disapprove a company from having a merchant account.

Business Response: Initial Business Response /* (1000, 6, 2014/03/16) */ I do believe that the merchant is a bit confused in the situation. EPS is the processor, not the agent who signed him for services and we are not the leasing company. We also do not give instant approval over the phone for high risk business. We did approve the merchant based on basic information received by the agent office who the merchant originally spoke to. They did not give detail as to the memberships etc, as these typically are High risk that EPS will not process for. The account Vegas Vacations has been closed with EPS as of 07/2013 due to High Risk Bank Decline. If the merchant is having issues with the agent and or the leasing company, he will need to contact them direct.

2/27/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: To cancel our account, we were directed to file documents for a change of responsible party. This was used to trap us into a new two year agreement. We were attempting to cancel our account since it has very little activity. The person who initially signed the agreement many years ago is no longer with the company. EPS required a new responsible party to allow us to cancel service. We signed new paperwork to change responsible party. Afterward EPS notified us we now have a new agreement which cannot be cancelled for two years. The original merchant account number************* New merchant account number issued ************ Amount involved is the total of all the fees associated with the agreement we were forced to sign under the pretext of just a change of responsible party. We believe we were deliberately mislead and not informed of the proper method to cancel. We strongly believe this is unethical business practice. We completely explained our intent and purpose. We were not informed the new paperwork will prevent our cancelling service.

Desired Settlement: Terminate account immediately without additional payments. Refund all fees charged after we signed to change responsible party.

Business Response: Initial Business Response /* (1000, 4, 2014/01/28) */ The merchant is absolutely correct. Another account should not have been opened for this reason. I will have the merchant account cancelled and a refund totaling 107.85 deposited into the merchants account on file. The refund is for November Fees 57.85 December Fees 25.00 and the January fees 25.00.

2/10/2014 Problems with Product/Service
2/3/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: EPS falsely sold their service and equipment to my company 3 years ago, and we are unable to cancel the service. Three years ago my company signed up for the EPS 90 payment system. The system was designed to allow customers to write checks as a way to finance purchases. The system never worked the way it was described and furthermore I have been stuck in a 3 year contract with this company. My three years is up and when I called to cancel the service I have been paying for but never used, it is to my surprise the contract actually "auto-renewed" 2 weeks ago for another 3 years! I have literally not used the EPS program except for 2 months when I first started 3 years ago. Buried deep in their contract is a clause that states you cannot sue them except in their jurisdiction in Colorado. Being in Missouri that poses a logistical challenge for us. Basically we have been lied to by EPS, how they have an A+ rating (based on their website advertising) is completely beyond me.

Desired Settlement: I would request immediate cancellation of our "contract" and a refund for each month that we were charged for eps service, but never used it. That would be 34 months worth.

Business Response: Initial Business Response /* (1000, 8, 2014/01/06) */ EPS did not take any part of the Equipment lease for this merchant. The merchant will need to directly contact the leasing company he signed with for additional information on the lease. The agreement signed with EPS is a year to year agreement that automatically renews on the anniversary date each year unless the merchant provides EPS a 90 day written notification of its intentions to not renew the services. We show the merchant entered the original agreement on November 2010. We would have needed the notification sent to our office no later than August 2013 for the agreement to cancel in November 2013. If the merchant would like the agreement cancelled upon the November 2014 renewal, we will need to receive the written notification by August 2014. Final Consumer Response /* (4200, 14, 2014/01/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) My question is not about the lease, the lease has already been taken care of through the leese company (LADCO). This complaint is in regard to the 3 charges that EPS removes from my bank account every month. There is a contract based on your previous response, otherwise why can I not cancel it? Please respond about cancelling the charges EPS is making against my bank account for a service that I am no longer using and which the agreement has expired. Final Business Response /* (4000, 16, 2014/01/16) */ Please read the first response dated 01/06/2014 it clearly states The agreement signed with EPS is a year to year agreement that automatically renews on the anniversary date each year unless the merchant provides EPS a 90 day written notification of its intentions to not renew the services. We show the merchant entered the original agreement on November 2010. We would have needed the notification sent to our office no later than August 2013 for the agreement to cancel in November 2013. If the merchant would like the agreement cancelled upon the November 2014 renewal, we will need to receive the written notification by August 2014. The agreement with EPS has not expired. If the merchant would like to cancel the service, please follow the instructions I have listed above. Thank you

2/3/2014 Delivery Issues
2/3/2014 Problems with Product/Service
1/14/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Our business was scammed by this company..We were promised a financing program called eps 90 and it has not worked for us. On September 24th 2013 a sales person by the name of **** *********** came in to show us this wonderful financing program. We at Parkview Automotive were interested and he explained it was the EPS90 program and we can accept checks from our customers with this program. We signed up for what we thought was the EPS 90 program. Instead **** lied to us and signed us up for a credit card acceptance program when I specifically told him I did not want to sign up for accepting credit cards because I currently have a 3 year contract with another company. He lied to me and said the paper work we signed was standard procedure and that we were going to get the eps 90 program only. A few days later we got the machine that we leased for 46 moths for $112.00 a month. This machine is supposed to accept checks. So I called EPS various times to get this machine going and I was told briefly how to use it by *****. He told me how to use it and promised further training. ***** was supposed to train me and everyone at our company but he never did. I called him about 10 times and he never returned my call. **** *********** also promised marketing material that never came in the mail and that nobody at EPS knows what I am talking about. When ***** finally called me back I learned that we were on the credit card program instead of the EPS 90 program and he said he did not know of any marketing material to help us with the EPS 90 program but that he would look into it. He then told me that I had a 2 year agreement with the credit card accepting program. I explained to him what **** *********** had told me about the program and he said he was going to fix it to get the EPS90 program to accept checks for us. But as of yesterday 12-11-13, we are still unable to accept checks with the machine they still have us as a credit card merchant that we never agreed to be. We had a customer who was ready with the checks but the machine was telling us to contact the retailer because there is an error on our set up. So therefore this program is not working and the customer support is horrific. EPS and the leasing company are charging us around $225.00 per month for a program that does not work! The customer service is very bad and they don't tell the truth especially ***** and ****. My co-worker **** and I have tried to call *****, **** ***********, Shannon and customer service at EPS and no one at this company resolves anything for us. We get bounced around to the point were they just hang up. We were scammed by **** *********** who walked into our shop on September 24th 2013. He lied to us and scammed us into getting a service we did not want and has failed to fix the issues with EPS. We no longer want the issues fixed we want our money back and the contract to be cancelled.

Desired Settlement: EPS must cancel this contract as soon as possible and stop charging me fees. They must also help us get out of the equipment lease since they failed to get this machine to work for us. I am ready to take this to federal court in a class action law suit since there over 100 very unsatisfied customers with this company. This person Jeff Friedlander is a criminal and should not be going around selling this to businesses. It simply does not work and the customer support does not exist.

Business Response: Initial Business Response /* (1000, 5, 2013/12/30) */ I am sorry to hear that the merchant feels the program is not working properly. I can see the day after receiving the merchant application, there were several attempts by our office to contact ***** to complete a review of the services signed for (a Q.A call) When our staff did speak to him on 09/26 at 9:25 am the savings for credit card processing was faxed over to ************. This was a 50.00 per month savings for the card processing. On Dec 12 there was a phone call from our office speaking with ***** and ****. They reviewed the system, how the program works and was to send their business logos for custom marketing material. We have had no calls in to our offices stating the equipment is not working, the equipment was tested and in working order when sent to the merchants location. The merchant( *****) has signed a 2 year agreement with EPS for the EPS 90 and Credit card processing. Final Consumer Response /* (4200, 18, 2014/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) One phone call was made to us this month by ***** and nothing has been resolved yet. In that phone call ***** said he would call us back and NEVER DID. I checked the caller id and there are no calls from this company except for that one call. This company can't resolve anything for us we want to get out of the contract ASAP. I also want to know where Mr. **** *********** is and why he has disappeared like he did after we signed all the documents. Why does he not return any of our phone calls? Who is this man going taking advantage of people? Why does this company still have an A with the BBB? I think the BBB is loosing creditability in giving this company an A rating. All we want is to get out of the contract because due to lack of communication or intentional fraud by **** *********** we signed up for something that does not work for us. We are being robbed each month by this company as they are taking a total of $225.00 per month for fees. Please get us out of this contract and return all of the money that you have taken from us. Final Business Response /* (4000, 13, 2014/01/10) */ EPS has tried in every way to resolve this issue with **** and *****. Further information has been directed to the BBB regarding this case and the new case from the same company ********.

1/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Have Received NO Training on How To Use The System After Two Sched Appts and Billed For Equipment that has been sent back and no return calls whentold Called When Saw I Was Billed 395.00 Dollars on Equipment that was sent damaged and EPS never sent anyone to pick it up. Was told to drop it off at a FedEx location that we don't have in a small community. EPS also said that they would then have FedEx Pick it up then Which Never happened so we had to figure it out. Next we were told that they never received it and we just might have to eat the expense. We Have Also Scheduled Three Different Appts To be trained how to use this setup and it still hasn't happened. We were also told that they make no money on the equipment that we use and they only billed me 395.00 for it but are charging me 99.90 a month for four years to own it. big difference... Then Contacted a Supervisor on 11/21/13 to cancel whole agreement and she sid I WILL get back to you today or tomorrow and now it is 11/25/13 and still have heard nothing and when I called they said she was off today and there was no one else to speak with even though the supervisor said she had to take it up with her boss but I have not been aloud to speak to them as of yet. In closing I have had this program since 09/25/13 and still can not use it or want to use it after all this , I have spent Around 700.00 so far with absolutely no results. Thank you for your help as I have received none so far.

Desired Settlement: I want a complete refund of all money spent and my agreement voided.

Business Response: Initial Business Response /* (1000, 5, 2013/12/03) */ After talking to Brian and the placing the refund of the $395, he is just fine and I will be doing training with him and a couple employees on Thursday morning at 8:00 our time. He let me know that he doesn't have an issue with removing the BBB complaint after speaking with him. Final Consumer Response /* (4200, 20, 2014/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will not budge from the cancellation of my lease due to the fact of all the lies that continue to go on. I have Sent e-mails, and called at least 50 times and no one will return a call or e-mail. the equipment is not the problem but the software would not work properly, so this is why I want the lease agreement cancelled also. As far as giving me credit, the only credit I have received is for what I had coming for the return of the equipment that did not work. ***** also promised credits for all invoicing to date because it did not work and we had been paying for it which was never received. ***** will not return calls or e-mails and this is very poor business management. I also spoke to my original sales rep and she claimed the office could not cancel my lease due to me cancelling my bank account which is another farse because they took the fees out this month so it has not been cancelled. I'm tired of the run around and want results. Cancellation of my processing agreement to me admits the product did not work as advertised and after a discussion with the leasing company they have told me that you can let me out of the lease and have done so for other customers in the past. So in Closing Please respond to each described problem and not what sounds good on paper to the BBB. Final Business Response /* (4000, 18, 2014/01/10) */ EPS is once again willing to schedule a call to find out what the issue is as all equipment that leaves our office is in working order. As the BBB states that resolving this issue will require BOTH parties to move from the current position to middle ground. EPS has Cancelled the processing agreement, Refunded money as requested. There is nothing more EPS will or can do. What is the merchants middle ground?

1/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was solicited by EPS as a company able to provide my company (Louisiana Swamp House), with a means to accept credit cards...they had me sign contracts that i was told was for 2 years. they then got a 2nd party to finance the equipment. The 2nd party is Executech Lease Group LLC. This 2nd party sold the lease agreement to a third party named Northern Leasing ..EPS and NorthernLeasing continued to debit my account although the machine never worked .they did so for 15 months. I returned the equipment after 5 months. They acknowledged that I did so but continued to debit my acct. Im now told the contract was for 4 yrs not 2 as i was first told.The machine never worked ,never,ever, spent hours and days with tech support. I finally after many complaint phone calls did a buy out with EPS., costing me more money ..Now I have Northern Leasing Threatening to sue me., all because of EPS...I feel like it was all a scam and I have been victimized..EPS withdrew $702.23 from my acct. and Northern Leasing has drawn $1053.20 and claims I owe them another $2000 ..for nothing. Product_Or_Service: Credit card machines Account_Number: ***********5

Desired Settlement: DesiredSettlementID: Refund EPS should reimburse me all funds they took from me and they should be responsible for the fees Northern Leasing took also. And EPS must get Northern Leasing Off my Back and not ruin my credit because of their inability to provide the service they promised...Totalis $3755.43

Business Response: Initial Business Response /* (1000, 4, 2013/12/30) */ EPS corporate office has no relationship with any of the named leasing companies. It does seem that the merchant used an independent sales office when signing for services with Electronic payment Systems for credit card processing and as the merchant pointed out - a second party for the lease. The merchant did take it upon herself to sign the two agreements, in this case the lease agreement which EPS is not a party to. Any concerns the merchant has with the lease will need to be directed to the leasing company.

1/13/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: EPS uses false tactics and promises ,all verbal lies to get bussinesses to join. On July 17 2013 Mr.*************** a rep for EPS Electronic payment systems came to my place of bussiness offering me a ( no credit check EZ payment plan)that i could offer to my customers if they did not have partial or the full amount to pay for repairs done to there vehicle.He explained the plan,customers applying only need a checking account,valid drivers license and proof of employment.Mr ******* explained to me and my wife that we would benefit from the plan because we would get the full amount from the application deposited into our account with in 2-3 days.I aked Mr ******* what happens in the event the customers checks are no good or closes the account. Mr ******* explained to us that EPS would take care of that thru collection agencys and there lawyers,and I should not WORRY since the money would be in our account within 2-3 day GUARRANTEED once the APPROVAL CODE was printed thru the proccesing machine.Mr *************** also informed us and showed us a cancelatin sheet that would be filled out by him and nortorised to cancel to whole program if i was nOt satified with the payment plan.Base on the ability to deposit the funds in our account and not carry the liability on the checks i agree to join. Mr ******* also explained that he needed a check for $500.00 dollars to open the account on there end and would be fully refundable with a few weeks.I confronted Mr ******* many times about the false promises and he explained that EPS and or the check machine need to be program to release the funds into our account.As far as the $500.00 refundable amount back to me, he also said that he would get a cashiers check and personaly deliver it to our place. Mr ******* also promised FREE banners ,posters and phamplets for our waiting room with our company logo which we never got. Mr ******* never denied what he promised infact he agrred that I was correct and that there was a mis understanding with managemant and the program that takes the checks and that he would take care of that.Its Dec. 12,20133 and no solution to my complaint..I have calle many times to the corp offices and all I get is once I get transferded is a voice mail where i leave my name nummber and never get a call back to addresse this issue.Mr ******* is representing this company in manner that is decepful and totally wrong for the bennefit of his own finacial gain. What i want is a full refund and to be let out of the contract due to FALSE presentation on the plan he presented to us.

Desired Settlement: Full refund on fees collected and the $500.00 dollars. I also want to be released from the contracts ,with no penaltys and or fees.

Business Response: Initial Business Response /* (1000, 5, 2013/12/30) */ The merchant did sign a 2 year agreement with EPS for the EPS90 services. Please review Section 3(g) of the EZ Payment Plan Articles.(g) Unless otherwise noted Merchant account deposits are forwarded to the Federal Reserve for clearing to Merchants deposit account within 24 to 72 hours from date to present. The date to present is the date listed on the check. there is no section that states the amount is paid upfront to the merchant. EPS will cover any checks that come through as NSF etc. up to a 10% threshold as listed under section 3(s) Merchant shall not have returns for any reason that represent TEN-(10)% percent of total dollar volume for any period. In the event that Merchant exceeds the TEN-(10)% limit, no check instruments will be available for guarantee until Merchant's aggregate return rate returns to below the stated and acknowledged limit. If checks are sent to collections these checks are paid out on or about the 10th or 25th (Guarantee Payment Dates) of each month for the activity prior to the last Guarantee Payment Date. Lastly, EPS contract and agreement speak for itself, Section 3 (d) Representations made by the Independent Contractor or their employees, representative or any other persons associated with them that are not expressly contained in this Agreement ARE NOT VALID and do not apply. EZ Payment Plan makes no representations outside of this Agreement. If you rely on representations made by Contractor not contained in this Agreement you are doing so of your own free will and at your own risk and shall not place any claim of any sort on EZ Payment Plan for such reliance. (e) The section headings contained in this Agreement are for convenient reference only, and shall not in any way affect the meaning or interpretation of this Agreement. (f) Nothing contained in this Agreement shall be construed to constitute a joint venture or partnership between or among any persons or entities referred to herein.

1/13/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was tricked into a said contract and the unauthorized debit from my account I was tricked my Mr. ************* into a contract that was suppose to be an agreement between me and EPS for them to finance my customers rims if they didn't have credit for 90 days no credit check. I was told this fee was 395.00 with 90 day cancellation. EPS has been charging my bank account for merchant processing services which I neva authorized. They say they wanted to compare my rates to which I was receiving from Heartland Merchant to review to see if the could bet the rates and if so they would be honored to do my processing also. I neva gave dem permission to charge my account for processing. they have chared it 3 times already for. $50.20, $50.20, and $45.00 all without my permission. They got a blank check from me supposely to deposit money from sells when the customer money is debitted from their account. I faxed them a letter on 10-04-2013 about cancellation and Mr ******* went cashed a check for $195 on 10-08-2013 which I instructed dem not to on 10-04-2013 because of cancellation due to Fraudness of this whole EPS system. I had contacted them by phone on several occassions but they gave me the run around so that's when I faxed them the cancellation letter.

Desired Settlement: Refund of $740.40. $540.40 I was decieved out of and $200 for pain and suffering for running me around and goin in my account without permission which caused me several NSF fees for $36ea.

Business Response: Initial Business Response /* (1000, 5, 2013/10/10) */ The merchant signed a 2 year agreement for services with EPS. EPS has only charged for monthly fees that the merchant agreed to under Pricing schedule A of our processing agreement. EPS has not received a payment for $395.00 as the merchant states. We will need proof of this fee being paid direct to EPS corporate

12/16/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was called by EPS in AZ I was told that I would receive a rate 1.6 and I was approved for the Merchant Cash Advance Programs sent my doc but nothing I was called by EPS in AZ I was told that I would receive a rate 1.6 and I was approved for the Merchant Cash Advance Programs sent my doc but nothing emailed the sales rep he said he quit and to call the main office in CO so I talked to ***** the VP of the company he said he would look into it and get me the name and number to call and find out what is going on with my application NO CALL BACK FROM HIM. next day called again go a lady name ******* was very rude and NO CALL BACK FROM HERE. Talk with *** the manager of customer service she said Mr **** I cant make them answer the hone for you but they answer it when I call, so I asked her to conference call us all together same no answers for her. If ***** ***** is not wiling to help you should not do business with them.

Desired Settlement: communication.

Business Response: Initial Business Response /* (1000, 5, 2013/11/18) */ The merchant is dealing with an ISO office out of Arizona. EPS in colorado (the corporate office) handles the processing service only for this merchant. We do have an agreement for the merchant for processing service at a qualified rate of 1.69% as the merchant stated. IF the merchant is seeking a cash advance, he will need to contact the agent office, as that is not something our office direct can provide. Thank you Final Consumer Response /* (3000, 7, 2013/11/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) This response is a clear answer that the corporate office does not even understand the problem. The problem has always been that the ISO office out of Arizona don't staff the phones and the calls go to a auto answer system. You can leave a message but no one returns calls. I called many times a day for three days and never received a call back till after I put this complaint. I call there customer service line but they could not connect me to anyone in the Arizona office. The customer service team should be able to transfer the calls to the sales staff in AZ. Final Business Response /* (4000, 9, 2013/12/03) */ The agent ISO office in Arizona is not connected to our phone system in Colorado, as it is only an ISO and not apart of our corporate system. EPS has confirmed the issues in the complaint but has no way to directly transfer the call for the merchant.

12/4/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Failure to fulfill there side of the agreement. Also lack of customer service. I signed up for the flex pay program with Electronic payment systems Inc. For my small bussiness. Once the contract was signed they where supposed to send a rep. to set up the system and show me how it works. A rep came out dropped off a banner and said he would be back the next day then never showed. I called to find out what was going and try to get set up to no avail. Finally Another rep. showed up unannounced and when I explaned to him i was busy with a customer at that moment He said that was fine and he'd be back in a few hours but never showed. At this point I was fed up with there lack of customer service. Then I was charged 35.00 dollars for service that month (which still hadnet been set up). So I called about canceling my contract and was directed to "****". I explaned my situation to him and he advised me of how to cancel my contract. So i follow the procedure and think I am done but low and behold I am agian charged 35.00 dollars the next month also a 99.50 annual fee that i was not aware of seeing as its only been two months since i signed up. I call "****" back and explan my self again so he dirctes me to there home office in colorado where i speak to "****a" who is very rude and will not provide me with any help and tells me i recived the program in the mail which i have not and is extremily rude so i gave up talking to her and am now filing a complant aginst the company.

Desired Settlement: All i would like is my contract cancelled and to be refunded the two service fees and the annual fee seeing as the service was never setup for me to use.

Business Response: Initial Business Response /* (1000, 8, 2013/12/03) */ As of today I have cancelled the merchants account and placed a refund for a total amount of 209.45. This amount includes Sept fees of 39.95 Oct fees and November fees totaling 70.00 and the annual fee of 99.50. I apologize for this oversight. Final Consumer Response /* (2000, 10, 2013/12/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied with there response and am glad we could resolve this matter in a civil manner

12/2/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: EPS called me to advertise great credit card processing fees. Within 3 weeks I found charges were 8x larger than advertised. EPS won't close account. Mr. Reggie Broussard representing Electronic Payment Systems called me at my home phone number on May 13, 2013 and offered his services in processing credit card payments for my small home business. He made the following promises over the phone which convinced me that I should use EPS' services to save money over Paypal and Square (www.squareup.com) that I have been using up until that point. Here are the promises he made: - no monthly charges - no contract - free credit card machine - only 0.5% fees against the charges made on the credit card machine The last item meant that for a $500 charge my cost would only be $2.50 instead of the $15 it costs via Paypal or Square. I was then transferred to Maria Hansford who showed me where to sign the "merchant application and processing agreement" via "Docusign". After plugging in the credit card machine and making 2 charges of $500 each, I found that EPS withdrew $43.23 out of my account to cover their fees. This amount was over 8 times larger that what was promised and 50% larger than what it costs me to use Paypal or Square. When I called their customer service on June 4th to complain I was questioned as to "who promised me 0.5% fees"? When I asked them to close my account, I was told all I needed to do was to send a request by FAX to *************. I sent the fax immediately, along with an email request to ************************** as a backup, in which I also asked for the mailing address where I should return the credit card machine. I never received any reply back from EPS, but found upon my return from vacation on August 1st 2 withdrawals of $9.95 each and another one for $43.00 out of my bank account. I made no use of of EPS' services, or their credit card machine since my request for cancellation on June 4th. I called EPS customer service again on August 1st and was told that my fax "has not been received" and "there is no record of my trying to close this account". I was then told to resend the fax. When I called again within the hour to confirm whether my new fax was received, someone else answered the phone and told me: "it doesn't matter whether I sent them the fax or not. I am now locked in a 2 year contract until May 2015 and I will be sent to collections if I try to stop payments to them"! She then showed me at the bottom of a form a stipulation that apparently I signed stating "... including the two (2) year processing term found in section 3.05 of the terms and conditions". Reading the section 3.05 (c) I found the following: "Merchant may terminate this agreement with a ninety (90) day written notice to EPS prior to completion of the initial term or any renewal thereafter". Although EPS is claiming they are not receiving the faxes I have been sending, I can prove that I sent email requests repeatedly for the same purpose. I have since contacted the Colorado District Attorney Office and North Carolina District Attorney Office. NC DA Office has opened a case (File number *******) and tried to contact EPS on 3 different occasions: August 19th, September 11th, and October 23rd. In none of these cases anyone from EPS bothered to respond. Not only that, but I have received a letter from Mr. Blake Robertson (director of legal forwarding EPS) dated October 10th where I am threatened to be forwarded to the EPS collections attorney if I don't pay them $1388! In conclusion, I feel EPS misrepresented themselves to try to get me to sign and then they are trying to force me into a 2 year contract in a deceitful manner. They will then prevent me from terminating the contract by any means necessary. Unfortunately it looks like I am not alone. There are over 90 complaints on ripoffreport.com from other victims who fell pray to this disreputable company: http://www.ripoffreport.com/reports/directory/electronic-payment-systems I believe EPS is a predatory institution and it needs to be punished according to the law.

Desired Settlement: - Refund of $62.90 fees that were charged without my consent. - close merchant account number ************ - terminate collection action. - letter of apology from CEO of Electronic Payment Systems apologizing for the poor conduct of its customer service representatives and deceptive practices.

Business Response: Initial Business Response /* (1000, 8, 2013/11/18) */ I do see that the merchant signed for services with EPS and chose the cost plus pricing at .50% above Visa/MasterCard and Discovers cost of interchange. The information for the Cost plus pricing can be found below pricing schedule a of the merchant processing agreement. It states:If applying for a Cost Plus account, fees quotes are in addition to VS/MC/DS cost of interchange. The EPS contract and agreement can be found in several places throughout the merchant agreement. On top of the second page of the agreement under Electronic Debit/Credit Authorization is shows the Early Termination fee of $195.00 and states: Merchant hereby authorizes Bank in accordance with this Agreement to initiate debit/credit entries to merchant's deposit account, as indicated below. This authority is to remain in full force and effect until (a) Bank has received written notification from Merchant of its termination, in such a manner as to afford Bank reasonable opportunity to act on it and (b) all obligations of Merchant to Bank that have arisen under this agreement have been paid in full. This authorization extends, but is not limited, to such entries to this account which concern discount fees, transaction fees, chargebacks, penalties, service fees, return item fees, lease, rental and purchase charges, check services, warranty services, internet services or other services offered by EPS, involving Point Of Sale ("POS") and processing equipment. It can also be found under the agreed and accepted signature where the merchant signed, stating in bold:MERCHANT HEREBY AGREES AND ACCEPTS ALL TERMS AND CONDITIONS CONTAINED HEREIN AND OUTLINED IN THE ARTICLES 1.01 THRU 3.14(L) and articles 1-7 of the MERCHANT APPLICATION.RESPECTIVELY FOR THE MERCHANT PROCESSING AGREEMENT, AND IF ELECTED AS A SERVICE, ARTICLES 1 THRU 8(b) RESPECTIVELY OF THE ARTICLES, TERMS AND CONDITIONS OF THE EZ PAYMENT PLAN APPLICATION AND PURCHASE AGREEMENT. FURTHERMORE, MERCHANT ACKNOWLEDGES RECEIPT OF A PHYSICAL COPY OF THIS AGREEMENT WHICH CONTAINS THE AFOREMENTIONED ARTICLES AND OTHER TERMS AND CONDITIONS THAT GOVERN THIS AGREEMENT, INCLUDING THE TWO (2) YEAR PROCESSING TERM FOUND IN SECTION 3.05 OF THE TERMS AND CONDITIONS. As the merchant stated Section 3.05 mentioned states:3.5 Terms, Termination and Terminated Merchant File (a) The initial term of the Agreement shall be two (2) years commencing on the date of approval of this Agreement. Thereafter, until cancelled in accordance with this Agreement, the Agreement will automatically renew for consecutive two (2) year terms. (b) EPS may terminate this Agreement at any time immediately and without notice based on any of the reasons noted in Section 2.3 or if EPS discovers any inconsistencies or misrepresentations (as determined by EPS in its sole and absolute discretion) on the Merchant Application. (c) Merchant may terminate this Agreement with a ninety (90) day written notice to EPS prior to the completion of the initial term or any renewal thereafter. (d) If Merchant terminates in a manner other than what is described in Section 3.5(c), Merchant will be subject to an early termination fee of $195 plus the standard fees associated with the Processing Agreement for the number of months remaining until the completion of the full term. Our contract is detailed and does speak for itself. If the merchant would like to review the accoutn currently in collections they may contact Blake Robertson at 800-863-5995 Ext 4103

12/2/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The Senior Certified Banker of EPS lied regarding the rates and the policy and misled me into a contract ***** *****, Senior Certified Banker, contacted me and offered low rates for credit card processing. I told him that I will close my business in the end of 2013 and it is very important to me to be able to cancel the services without any charges. This is why I clarified with him several times this point and he said that I would not have to pay any fees and can stop all obligatory payments at any time and he will take my credit card terminal and will cancel by this all my obligations. He said that when I will be contacted by the "bank people" (which I found out later on was Northern Leasing Systems, Inc.) to confirm the terms of contract, I should just confirm everything and agree to everything, and since HE is the senior account manager he has the power to terminate the contract at anytime and would take back the credit card terminal and I would not have to pay any monthly payments. I trusted him and signed what he told me to. Next month I realized that EPS is charging me much more that what ***** ***** told me, plus I was also charged additional fees that I was never told about. I received terrible customer service, customer service representative raised his voice and my problems were taking care of only after couple days. And this is why I decided to close my account. This is when I was told the opposite of what ***** ***** promised me. I was told I cant cancel and that I am am stock in a contract for 48 months. After I realized this I was trying to contact Brian with no success. He answered me one time and promised to call back, but never did. I was able to cancel my contract with EPS Merchant Services, but the contract with Northern Leasing Systems, Inc., which I was misled into by ***** *****, the Senior Certified Banker of EPS Merchant Services I was not able to cancel and suppose to be charged for the next 48 month a fee of $69.51. I was scammed and misled into a contract by ***** ***** Senior Certified Banker. I had no idea that I signed a contract with any other company besides EPS Merchant Services. Now I am left with payments for the next 4 years of $69.51 for a credit card terminal that I don't use. E

Desired Settlement: I request what I was promised by EPS representative: To take back my credit card terminal and cancel by this all my monthly fees. EPS can just transfer it to a different company and terminate by it my obligations.

Business Response: Initial Business Response /* (1000, 5, 2013/10/10) */ The issue the merchant has is with the leasing company, Not with EPS merchant services. EPS corporate offices are not affiliated with the lease agreement and the merchant will need to contact his AGENT office or the Leasing company direct. Final Consumer Response /* (3000, 7, 2013/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes the contact is with the leasing company. But ***** ***** is representative of EPS and he lied regarding the contact with the leasing compony. He promised me to be able to terminate my contract with the leasing company at any time. It was a lie. And you should take responsibly what YOUR representative promise to YOUR customers. Final Business Response /* (4000, 11, 2013/11/18) */ ***** ***** is also a representative for the leasing company. EPS does not hold the lease agreement, therefore, the merchant must contact the correct company.

12/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I entered an agreement with EPS of Colorado for 800 Business to Business Leads on May 10, 2013 for $7,500 charged to my credit card ending in **** on 5/10/2013. The Marketing agreement would provide 800 leads for the purchase and processing of business leads to various companies with credit card services. I have contacted the company continuously for updates and received only promises to contact the customer service number for additional information (**************). The recording indicates someone will get back to you within 24 hours. The original number on the contract is **************. I contacted the Corporate Headquarters in September 24, 2013 to file a complaint. I was told by an Executive Manager, **** ******, that the company does not charge for leads and that this must be a fraudulent company. There phone number (**************). This is the reason I am contacting you to please investigate this situation for me to avoid someone making the same mistake Product_Or_Service: Business to Business Leads Order_Number: **** Account_Number: ******

Desired Settlement: DesiredSettlementID: Refund I am a senior citizen and want to have the charge removed from my credit card provider. I will provide the entire number is you request it.Thank you,******** ******

Business Response: Initial Business Response /* (1000, 16, 2013/11/18) */ The issues the merchant is speaking about is not with EPS (Electronic Payment Systems) in Colorado, The issue they have and the office they need to make contact with is our of Arizona, they can be reached at ************. No money was paid out to EPS in colorado

11/11/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Yes,they owe me $52,000 Beware, Beware, Beware!!! Do not use this service because you think that it will minimize your risk it increases it! Yes, they owe me $52,000 Beware, Beware, Beware!!! Do not use this service because you think that it will minimize your risk of being left with bad checks. This service actually increases your risk and liability. Customer Service is awful by design. They claim that we never scanned the complete series of checks. Yet we have printed receipts from the machine verifying the scans. Every time we called, emailed or faxed customer service we got the run around. A different story every time...first they sent a new machine saying that there were problems with the machine that we pay $150/mo for, yet it prints receipts and identifies the checks properly, next customer service says that our default was over 5% so they don't owe us any funds and the guarantee is null and void. When I asked for a written calculation that determines the 5% default rate the CS agent just seemed to make up a couple of numbers and was unwilling to put anything in writing, she was more interested in getting me off the phone. She verbally said you ran $10,138 in checks and had $1147 in declines so we are not funding any more of your checks. Funny we processed over $150,000 in checks so if we only had $1147 in decline we would still be well within the 5% allowed. Not only will their guarantee of funding checks let you down, the whole system will leave you high and dry. You will not be able to take your customer to small claims court because they will not show you a declined / NSF check, you will not be able to prove to the court that you even tried to process the check. If you try to process the check yourself and then they try to process the same check you could be charged with check fraud. So in the end you are left with these checks in your hand that are worthless because of EPS90. If you never processed the checks thru EPS90 you could have a shot of depositing directly into your account and if the NSF then small claims, but with EPS90 those options are gone. A word about the default rate. According to their contract you cannot have more than 5% defaults. However it's on the checks that have cleared not the checks that we have run. So in our case we ran $50,000 in checks that they never tried to cash on time many are over one year past the posted date, since they waited more than a year the checks will probably not clear now even though they may have cleared if they processed at the post dated check time. Again we have receipts that all the checks were scanned.

Desired Settlement: I want to be fully compensated for all checks that they failed to process in a timely manner. I want to be compensated for attorney fees and damages.Since my business is in the process of being sold for 5 times EBITDA the $52,000 of bad debt caused by EPS90 is lowering my compensation by $260,000.

Business Response: Initial Business Response /* (1000, 8, 2013/10/25) */ An email is sent to the BBB with information that was provided to the merchant earlier this month. A majority of the checks seemed to not receive an approval when the merchant submitted these checks, therefore, they cannot be paid. Other check have incomplete documentation (ie Valid Identification, Proof of employment or incomplete application) The merchant has been working with Blake in our collections department and has been advised of all checks.

11/11/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was deceived upon contract signing. I cancelled contract more than 90 days prior to renewal by written letter. EPS now states no letter was received I called to cancel my service in November of 2012. I was told I was on a year contract. I sent a letter on 12/04/2012 stating I wanted to cancel my contract which is more than 90 days required by the contract. I now on 10/15/2013 received a letter that I never notified EPS and my contract renewed and I'm in default for $878. I was told I would pay my annual fee and my monthly fee. In May of 2013 I again was getting an unauthorized debit from EPS. At which time I closed my account and had to open a complete new business account. I contacted the very rude customer service dept. and told them to send me paper billing. I have never received any bill until now I'm being sent to collections.

Desired Settlement: I want to know my outstanding balance to finish up my Oct 2012 thru Oct 2013 billing cycle. Not to be charged for Oct 2013 thru Oct 2014. I have not used the service at all in any time in question.

Business Response: Initial Business Response /* (1000, 5, 2013/10/25) */ The merchants account is closed. To move forward, we will need proof of the letter sent in 2012 cancelling services. Ref. to notes by our customer service: 10/15/2013 1:49:35 PM ********** Informative Informative Informative called merchant and left him a message 10/15/2013 12:59:00 PM ****** Contract Issue Informative Severe received blurry fax merchant claims he sent 12/4/12 (contract was renewed until Oct regardless) but this letter is not signed and merchant did not send the certified mail proof I asked for - handing to Blake in collections to let him decide if he wants to continue to collect but we have every legal right to as the merchant still hasn't proved her sent a certified letter last year. 10/15/2013 12:38:04 PM ****** Informative Informative Informative Even though there are notes saying we sent his agreement over by fax and mail -I will refax again to the same fax number in the notes - ********** 10/15/2013 12:36:07 PM ****** Informative Informative Informative supervisor call: merchant says he sent a certified letter last November to close - advised his contract was valid until this month if he did indeed send a letter - asked him to send in this proof and we will remove him from collections

11/11/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company is a payment processing company who sold us their services guaranteeing the transfer of our companies money within 72 hours. we processed a payment on 10/7/13 which we have yet to receive our client whom we charged has be charged and eps is holding our money continuously using stall tactics on depositing it to our account. The first excuse was a computer problem. then they needed an invoice now we provided a signed letter from the client we charged and we still don't have our money. We are a small company with guys waiting to be paid etc and eps is basically illegally stealing our money. The customer service is horrible they wont return phone calls or always ignore my calls and have absolutely no grounds for withholding our funds. their service is to process payment take the 2.5 % and deposit the remaining to our account. This seems completely fraudulent and illegal to me.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like our 6080.00 dollars deposited in our account without paying the percentage of the service agreement and if not handled in timely manner then i would like interest for the time that we do not have our money

Business Response: Initial Business Response /* (1000, 5, 2013/10/25) */ This merchants funds were released on 10/16/2013 and posted into the account on file. The transactions are occasionally flagged by Visa and MasterCard. When the transactions are flagged, EPS is obligated to request documentation to verify what services transactions were for per the merchant agreement signed by the merchant. If the merchant does have further questions, they may contact our customer service at ************

10/25/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was told by sales agent that I was not under contract when in fact I was, he tricked me into believing his lies. I was contacted on 7/25/2013 by************** from EPS's Arizona office. He talked with me about setting up a merchant account to start accepting all major credit cards for my business. He told me the details of the account as follows: .50% plus $.25 per transaction with a $10 total monthly fee with no minimum amount I had to charge. He told me that I was on a month to month basis and that I was NOT under a contract and could cancel at anytime with no costs. He was very persistent that I fill out the merchant application (which again he specified that it was not a contract) that day and that he only "had one card reader left for free." I asked him once I read the application about the two year part I saw on the form and he went and was talking to his supervisor out loud asking why it was there as well, his supervisor then said out loud so we could both head that it had to be there but I was definitely on a month to month plan and had no obligation. So I signed the form and everything was okay for the first month, the fee was only $10 and everything seemed to be okay. But the second month I was not using the reader because my clients preferred to pay in cash and check. I was looking at my bank statements online and realized that the fee the second month had jumped up to $35. So naturally I called EPS Arizona, I couldn't get ahold of ***** naturally and talked with the operator who was very nice at first until and she informed me that I had to charge $25 a month or be charged that $25. I asked her about canceling my account and she told me that because my account was under 90 days old I had to call the office in Colorado to talk with them. So I called the main office and they played the passing game as well and sent me back to the Arizona office. Once again I called and the operator told me she would talk to her boss ******* and have her call me back. After about an hour******* calls me and tells me that if I want to cancel I have to pay $1164 fulfilling the rest of my contract. This was a surprise to me seeing as I was under the impression that I was on a month to month basis and she told me "they don't do that." I asked her about what ***** said and asked about being lied to and she just told me it was my fault and got very defensive, rude, and treated me like a child. So I asked about my contract and found out that I had apparently signed a two year contract with a $200 cancellation fee,$ $99 a year annual fee, and a $25 a month minimum amount that I have to charge or be charged for( that I would have to pay $35 a month times the number of months left on the contract to cancel.) I feel very cheated by this company with very unethical business practices, they will lie to you just to make a sale and make you believe that you are not signing a contract when in fact you are. Don't fall for their aggressive sales tactics and agents whom you will never hear from or be able to contact again.

Desired Settlement: I want out of the "contract" that I was deceived into signing by *************, I want to know where to send the card reader and want nothing else to do with this company. I am not paying over $1100 to cancel my account when I was told there was no cancellation fee and that I was under no obligation by your alls sales agent.

Business Response: Initial Business Response /* (1000, 4, 2013/10/10) */ The agreement that the merchant signed with Electronic Payment Systems is a 2 year contract- Please see this section of your merchant processing agreement:3.5 Terms, Termination and Terminated Merchant File (a) The initial term of the Agreement shall be two (2) years commencing on the date of approval of this Agreement. Thereafter, until cancelled in accordance with this Agreement, the Agreement will automatically renew for consecutive two (2) year terms The EPS merchant agreement and information contained in the agreement speaks for itself.

10/7/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: EPS's cancellation policy is deceptive and malicious. I called to cancel my account in June 2012 and was told I would have to pay a $420 penalty because my renew date was Sept 1st. I then called on August 1st **** and I was told it was too late because I needed to cancel 90 days prior, which was never explained to me when I had called in June. So I either pay the $35 per month for another year or $420 penalty. I feel they deceived me and are malicious in not allowing for some lee way after being a good customer for 8 years.

Desired Settlement: I simply want people to know they have a choice in seeking merchant service providers and EPS is not a reputable company. I would like for them to cancel my account without having to pay $420.

Business Response: Initial Business Response /* (1000, 5, 2013/09/09) */ Our agreement signed by the merchant and also contained in the BBB review of EPS clearly shows our cancellation policy (in writing) Section 3.05 clearly states that the agreement is a 1 year agreement that will auto renew for an additional 1 year terms unless the merchant provides EPS with a written notification of their intentions to cancel at least 90 days prior to the end of the agreement terns currently in effect. The merchant was provided the agreement at the time of signing to view, a copy of the agreement was sent to his office within a week of originally signing with EPS, we have reviewed the terms and cancellation policy to the merchant in october 2012 and again this year. EPS has been very clear about our cancellation policy and procedures in several different ways. EPS did receive a cancellation letter on August X XXXX and the contract will cancel as of August X XXXX per the agreement signed. Final Consumer Response /* (3000, 7, 2013/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have reviewed the only contract I signed and it does not state any cancellation fee. In fact it states there is no long term contract agreement. I would love to see this signed document they elude to because I have mine on file and I have never signed any other document. The problem is my agreement that I signed is between me and a subcontractor called First Deposit USA. I am told they are no longer in business because of shady business practices, so I have to suffer by paying for the next year for a plan I will never use. Just the fact that EPS is not willing to give some leeway should be a warning for future consumers. Go with a company like PayPal who provide excellent service and have no cancelation fees. Final Business Response /* (4000, 9, 2013/09/23) */ Please send me the copy of the agreement from EPS which states no cancellation fee. Thank you


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43 Customer Reviews on Electronic Payment Systems, LLC
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