BBB Accredited Business since

Central Payment

Phone: (415) 462-8335 Fax: (800) 449-7620 View Additional Phone Numbers 2350 Kerner Blvd STE 300, San Rafael, CA 94901 View Additional Email Addresses http://www.cpay.com View Additional Web Addresses


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Description

This company is a credit card processing company, enables retail business the ability to accept credit cards.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Central Payment 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 Central Payment include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 179 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

179 complaints closed with BBB in last 3 years | 70 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 65
Billing/Collection Issues 13
Delivery Issues 45
Guarantee/Warranty Issues 1
Problems with Product/Service 55
Total Closed Complaints 179

Customer Reviews Summary Read customer reviews

11 Customer Reviews on Central Payment
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 10
Total Customer Reviews 11

Additional Information

BBB file opened: March 08, 2006 Business started: 02/01/2006 Business started locally: 02/01/2006 Business incorporated 01/11/2006 in CA
Type of Entity

Corporation

Business Management
Mr. Mathew Hyman, Managing Partner Mr. Nery Espinal, Director of Merchant Relations Melissa Fitton Ms. San Huynh, Director of Finance Mr. Zachary Hyman, Managing Partner
Contact Information
Customer Contact: Mr. Nery Espinal, Director of Merchant Relations
Principal: Mr. Mathew Hyman, Managing Partner
Number of Employees

750

Business Category

Credit Card Processing Service Point of Sale Systems

Service Area
This business service area covers: Nationally
Alternate Business Names
Smart Pay Merchant

Customer Review Rating plus BBB Rating Summary

Central Payment 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

  • 2350 Kerner Blvd STE 300

    San Rafael, CA 94901 (415) 462-8335

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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)

7/29/2016 Delivery Issues
7/26/2016 Billing/Collection Issues
7/26/2016 Problems with Product/Service
7/26/2016 Advertising/Sales Issues
7/23/2016 Problems with Product/Service
7/22/2016 Billing/Collection Issues
6/14/2016 Delivery Issues
6/2/2016 Problems with Product/Service
5/15/2016 Billing/Collection Issues
5/11/2016 Billing/Collection Issues
4/15/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: i am canceling service no contract between us Got debited 124.95 on the 2nd of feb. plus 24.95$ for over a year. People need to be careful when they So I have an account with them since feb 2011 I didn't realize the account was 3 years contract which is my fault I tried to cancel down the road to use a better company but they told me there was a part in my contract says if I don't cancel within 90 days before my contract is up. The contract gets renewed automatically for to more years So I switched companies and kept their account for over a year paying 24.95$ witch is a rip off but I had no other option Better than paying $600 cancelation fee And I put the cancelation date on my calendar which was January 29th I called and canceled after a long fight with them on the phone I have their credit card machine which I am mailing back to them I checked my account next day and I was charged 124.95$ when I called this morning they said oh that's ( payment card industry )CPI compliance I told the lady mam I canceled this account few days ago she said it takes 30 days I want my money back Please

Desired Settlement: I want my money back

Business Response: This complaint has no merit. ***** is not a signer for this merchant account. He contacted our Customer Service department on 1/29/16 to ask about cancellation of the account. At this point our representatives tried to assist asking why it is he wanted to cancel and the response was that it really doesn't matter. We provided the cancellation information and stated that we ask for a 30 day notice of cancellation and was further asked to have the equipment returned. He stated that his local representative had taken the equipment, later admitted that he was still in possession of the equipment. CPAY expedited the closure of the account to 2/15/16.

4/13/2016 Advertising/Sales Issues | Complaint Details Unavailable
4/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Slammed into contract by company. No copy of paperwork provided. Unable to return equipment I was contacted at my place of business by ****** (sales rep that did not provide her last name) telephone # ************* ****** represented merchant costs would be significantly reduced, credit of sales right away. She made many fraudulent representations. I called ****** to tell her I am returning the equipment and need an address to send equipment. She provided a shipping voucher that was not good. I called Central Payment to notify of my service cancellation. I am trying to return equipment, but they tell me shipping voucher provided by ****** is not good. I called ****** and she told me it was my problem and hung up. Received equipment on February 26. ****** hand delivered the equipment and set it up. I received no paperwork or contract. When I call Cetral Payment I am put on hold for 4-6 hours. Keep being put on hold with no resolution or help. I am concerned that the company will try and take money out of my account for the equipment. They will not talk to me. ****** provided false information and represented the service and product in a fraudulent manner in order for me to try the service. All I want is to be able to return the credit card processing machine and protect myself against any liability. I have been unable to get any communication with ****** or the company. This is a fraudulent scam. I have been defrauded and slammed into something that was not as represented. I have $344 that they processed in sales that has not been credited to my bank account.

Desired Settlement: I want ****** or the company to provide me with a shipping voucher that works to return the equipment. I want confirmation that I owe Central Payment nothing and that my service has been cancelled. I want all the money they processed $344 that is still owed to me from sal s using their equipment.

Business Response: Ms. ****** has already returned the equipment and has submitted her cancellation letter. Her account is in the process of being closed. She has also confirmed she has received all funds.

4/9/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Merchant has made debits to my business acct that I never agreed upon.In some instances charging me twice in 1 month. I feel like I've been scammed. Merchant representative promised me a no contract, no fees, no processing fee, absolute no fees unless I used their services. And if i did use their services, I would only be charged the credit card companies interest agreed upon in the initial application. I used their services for a total of 4 transactions at end of June 2015, which looked promising. Then came July 2015, I used their credit card swiper another 8 times. I was expecting the same low rates as promised in June 2015, but upon receiving my July Statement from Central Payment. I noticed a $15.00 processing fee, which was never part of the agreement made. I notified my merchant representative and Mr.****** promised that it would be refunded back to me 7-10 days. As reasonable person I agreed to wait the 7-10 days, but I never received the refunded promised by Mr.******. Tried to contact him the following week, only got a his voicemail. I left a kind message regarding the matter. I never received a call back. This a raised a red flag in my book, so I discontinued to use Central Payment merchant services as of that point. Mr.****** told me repeatedly, at any point if I was not happy with the merchant services. I could just stop using it and I would not be charged anything as long as I didn't use the companies credit card swiper. Then I receive the August statement and Central Payment debited my business account $8.45 for a processing fee and a transaction fee. I did not even use their credit card swiper once that month. Once again, I called Mr.******, to only get his voicemail. I left a few messages on his voicemail. A few weeks passed and I received a call from Mr.******, stating that this is a mistake and it will be taken care of and your money will be refunded. I agreed and waited patiently. September Statement is received and once again my business account is debited $22.96 for a processing fee and card compromised plan fee. Which makes no sense because I still have not used their companies services. Go through the same process of trying to contact Mr.****** and same result. October Statement is received and again my business account is debited $22.95. I call Mr.*****, only to get his voicemail again. November Statement is received and this month Central Payment decides to debit my account $45.90. Call Mr.******, only to get voicemail again. He finally calls back and once again promises that this matter will be resolved and the money will be refunded within 3-4 business days. Which never happens. December Statement is received and my business account is debited $15.00 for processing fee. The story continues in January 2016 they debit my business account $5.00 for processing fee. Then comes February 2016, they debit my business account $100. I've emailed the company and got no response from anyone, my merchant representative wont answer my calls or return my calls. So in total this company has charged my business account $234.71, but the worst part is I can't get a hold anyone to cancel the service and get my money refunded. It feels like I'm getting scammed and ripped off for services I'm not using nor do I want to use.

Desired Settlement: I would like to get all my money refunded and cancel my merchant account with Central Payment with no early termination fees or any other type fee, like I was promised from day by Mr.******.

4/9/2016 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: *** ** was the Agent for CentralPayment, who sold the service to ****** *****, Inc* *** stated that he required no contract and he only charged 18% *** ** was the Agent for CentralPayment, who sold the service to ****** *****, Inc* *** stated that he required "no contract or signed agreement. And there was only 0.018% if the total income of $18,000.00 or greater each month (all fees included), 0.02% if less than $18,000.00 of the total income per month (all fees included). If ****** ***** decide to cancel, CentralPayment will send the box with the pre-pay lable in it and send the Terminal back without cost to ****** *****, Inc". ****** has used CentralPayment for ten months. The total income was always greater than $18,000.00 per month, the fee was over 0.02% every month. ****** *****, Inc decided to discontinue using CentralPayment. CentralPayment has charged illegally to ****** ****, Inc's Bank Account with the amount of $95.00 for the annual fee on top of the over charged of monthly fees. ****** *****, Inc has contact ****** at CentralPayment, ****** has told *** **** at ****** *****, Inc that ****** *****, Inc has signed the contract with CentralPayment and has agreed to the term and condition. ****** *****, Inc never signed any contract with CentralPayment before. ****** *****, Inc believed *** ** (The Agent for CentralPayment) has represented ****** *****, Inc to signed the contract without ****** *****, Inc permission. ****** *****, Inc would like CentalPayment provide the signed contract (from *** **), reduce all the total monthly charged to ****** *****, Inc to 0.018% as promised when account was set up, give the refund of $95.00 annual fee charged to ****** *****, Inc's Bank Account.

Desired Settlement: ****** *****, Inc would like CentalPayment provide the signed contract (from *** **), reduce all the total monthly charged to ****** *****, Inc to 0.018% as promised when account was set up, give the refund of $95.00 annual fee charged to ****** *****, Inc's Bank Account. CentralPayment will send the box with the pre-pay lable in it to ****** *****, Inc so ****** *****, Inc can send the Terminal back without cost to ****** *****, Inc as promised by *** **.

Consumer Response: *** ** was the Agent for CentralPayment, who sold the service to ****** *****, Inc* *** stated that he required no contract and he only charged 0.018%

Business Response: CPAY contacted *** on 2/24/16. At the time he was on vacation and would not return until March. Call back information was provided.
We reached out to *** once again. *** was previously already given a courtesy credit for the annual PCI compliance fee. He still decided to close his account with CPAY. We have received his cancellation letter and the account is in the process of closure.

4/4/2016 Problems with Product/Service
4/4/2016 Advertising/Sales Issues
4/1/2016 Advertising/Sales Issues
3/30/2016 Advertising/Sales Issues
3/30/2016 Delivery Issues
3/22/2016 Problems with Product/Service
3/18/2016 Problems with Product/Service
3/14/2016 Delivery Issues
3/14/2016 Advertising/Sales Issues
3/8/2016 Delivery Issues
3/8/2016 Delivery Issues
3/8/2016 Problems with Product/Service
3/8/2016 Problems with Product/Service
3/7/2016 Delivery Issues
3/4/2016 Advertising/Sales Issues
3/3/2016 Advertising/Sales Issues
3/2/2016 Problems with Product/Service
3/2/2016 Problems with Product/Service
2/26/2016 Advertising/Sales Issues
2/25/2016 Advertising/Sales Issues
2/23/2016 Advertising/Sales Issues
2/23/2016 Advertising/Sales Issues
2/23/2016 Problems with Product/Service
2/23/2016 Advertising/Sales Issues
2/18/2016 Problems with Product/Service
2/17/2016 Problems with Product/Service
2/17/2016 Billing/Collection Issues
2/8/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Central Payment has charged higher credit card rates than contractually promised, applied charges not contracted, for equipment not provided & more. Contracted with Central Payment 6/2015 to provide credit card processing for our two clinics. The initial billing period revealed actual rates higher than contracted and higher than previously paying. The initial statement also revealed charges not detailed in the contract, charges for equipment not provided and un-explained charges. I have had multiple communications in person, via e-mail and texts asking for resolution to these problems from our representative, ***** *****. There has been little response. October I resorted to contracting the company directly to resolve these issues. I had a long conversation w/***** at x**** detailing my specific complaints. He assured me he would come up with a plan of action and e-mail me that day or next. I received nothing and have attempted to contact him several times to no avail. I called back 3 weeks later and asked for a manager. I was forwarded to a managers voice mail to leave a message. I have not heard nothing to date.

Desired Settlement: I would like the monthly credit card commissions adjusted to what I would have otherwise paid had I not change to Central Payment processing. I would like a refund of the charges not specified in the contract, a refund of the charges for equipment not received and a refund of any to date unexplained charges. I would also request release from the Central Payment contract to pursue other credit card processor providers without additional penalties or fees and a return of the provided equipment without penalty or fees.

Business Response: Initial Business Response /* (1000, 10, 2016/01/11) */ We have reviewed Mr. *****'s rates at the time he signed up versus his agreement and the rates did match. Mr. ***** did contact our office to speak with ***** as he mentioned. At that time the representative made a rate reduction to lower rates than his agreement states. The reduction occurred at the end of October. As a courtesy CPAY would like to offer a credit for the difference in fees going back to October 1st. Initial Consumer Rebuttal /* (3000, 12, 2016/01/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) The rate reduction is welcome but only addresses a portion of my grievance. I discussed, at length , with ***** the numerous other inappropriate or un-known charges to our account. I still would like these charges reversed in addition to the rate refund. Please call me directly if this these issues can be corrected. I still would like to cancel our service with C-Pay due to the lack of communication over these issues from your local representative and the company. Thank you for responding to this issue. ***.***** Final Business Response /* (4000, 14, 2016/01/26) */ CPAY has been in contact with Mr. *****. We have gone over all fees he had questions about and have provided him with an accounting of the charges and credits that have been issued to his account. Mr. ***** also requested to have his rates re-evaluated and sent to him so he can review.

2/8/2016 Delivery Issues
2/8/2016 Delivery Issues
2/5/2016 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Sales Representative gives false information and then places you in a false contract. On December 14th, 2015 I was approached by ****** ****** about using Central processing. He showed me numbers and at that time they were better than the rates that I had been receiving at that time. He stated that I had 30 days if I did not like the service and I could cancel with no fees if I returned the machine. He took the contract with him and did not leave one with me. My wife had tried to contact him on January 4th and he ignored my messages. He finally answered his phone on 6 January 2015 and stated he did not say this and while talking to my wife he called her a stupid ***. i then contacted their customer service they stated that the contract was denied and there were no fees. I was contacted by the manager the 8th now stating there is now $595 in fees. I contacted the customer service again and they said my account is closed and no fees. The company has lied to me, cursed at my family and threatened me all in less than a month. They should not be in the money industry.

Desired Settlement: To void the contract as was stated with no fees and no further contact by this company.

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ ******* contact CPAY's Customer Service department and made statements placed on this complaint. ******* decided to use an alternate company after signing the agreement and refused the assistance of our representatives and manager. This situation was already resolved days prior to the complaint being placed with the BBB. As a courtesy only, CPAY closed the account without having presented any evidence of the allegations.

2/5/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Fraud against my business and the I.R.S. thru their (Central Payment Service) agents and employees **** ***** and ***** ***** agent #XXXXXX. In October of 2013, **** *****, a representative of Central Payment Services (CPS) under supervision of ***** ***** (agent #XXXXXX) came to my place of business, ********************* & Spa (MB) to solicit Central Payment services. My mother, who at the time, was helping me get my business started went over the contract with ****. He told her all he needed was the business info and her social security number to get started. He never said anything about needing a TIN-which my mother would not know since at the time the business is a single member LLC and my mother is NOT part of the business per se. CPS claims to have called to confirm the social security number and the TIN given by my motherthis never occurred nor is there any record of it occurring except some tick marks on a faxed copy of the contract. December of 2015, I received a letter from CPS stating their records did not match the records of the IRS. CPS requested I send a W-9 and a 147(c) letter by 12/11/15. I sent both forms on 12/8/15. The letter stated "if we do not have the correct information before that date the law requires us to withhold 28% of the interest, dividends, and certain other payments that we make to your account." I had the forms requested in by the due date. On 12/22/15 CPS was to deposit roughly $1,300, however, only $943.92 was deposited even though I sent the requested forms before the due date CPS requestedthey, CPS still took my money. They did it again on 12/24/15 taking about $40.00 this time. At that time I called CPS and they kept telling me the IRS has my money and I would get it back on my taxes. My mother and I went to our local IRS office 12/28/15 we sat down with ****** ******** XXXXXXXXX of the IRS. He helped us figure out what was going on. I showed him the letter CPS sent me; on this letter there was a TIN government issuedthe problem is that TIN is issued to someone else, not me or my mother or any person associated with my business. I was curious as to where CPS even got that number so I had *************** e-mail a copy of the contract to me; low and behold, **** ***** and and/or his agent ***** ***** #XXXXXX, committed fraud after my mother had signed the contract. They went back and wrote a fake TIN government issued to someone else. At this point in time, the contract became void due to fraud. You can clearly see it's in his handwriting (****'s) I have made numerous attempts to get in contact with Mr. **** ******* (Director of Merchant Relations), boss. I spoke to him once only on 12/28/15 (****) said he realized what happened and he would******'s submit my paperwork to see what they could do about submitting a refund. A week passed, on 1/4/15 I tried to contact **** again to call or e-mail back. I've tried every day via e-mail to *************** or calling the rigorous automated customer service line every time **** was "in a meeting" or I was sent to a voicemailit has now been over two weeks since **** was notified of the situation and I have never heard back from him with an update on my account. No action has been taken to make any of this right. CPS still wants to charge me $300 to cancel my contract even though their employee(s) committed fraud. My requests are not unreasonable, all I want is the roughly $400 taken from me, and to not have to pay a cancellation fee. I do not feel that is asking too much due to fact that an employee of CPS came to my place of business, solicited my business, for CPS. commited fraud-by giving a fake TIN, and caused me over a month of grief and stress over the holidays that has now spread into mid-January. The next step will have to be the retention of legal counsel, a road I do not care to take. Again, CPSrefund the money you lied and said the IRS was holding, cancel my contract with no fees, and in return you can keep the thousands of dollars you have collected in the past two years from me. ******* ********

Desired Settlement: In October of 2013, **********, a representative of Central Payment Services (CPS) under supervision of *********** (agent #XXXXXX) came to my place of business, ********************* & Spa (MB) to solicit Central Payment services. My mother, who at the time, was helping me get my business started went over the contract with ****. He told her all he needed was the business info and her social security number to get started. He never said anything about needing a TIN-which my mother would not know since at the time the business is a single member LLC and my mother is NOT part of the business per se. CPS claims to have called to confirm the social security number and the TIN given by my motherthis never occurred nor is there any record of it occurring except some tick marks on a faxed copy of the contract. December of 2015, I received a letter from CPS stating their records did not match the records of the IRS. CPS requested I send a W-9 and a 147(c) letter by 12/11/15. I sent both forms on 12/8/15. The letter stated "if we do not have the correct information before that date the law requires us to withhold 28% of the interest, dividends, and certain other payments that we make to your account." I had the forms requested in by the due date. On 12/22/15 CPS was to deposit roughly $1,300, however, only $943.92 was deposited even though I sent the requested forms before the due date CPS requestedthey, CPS still took my money. They did it again on 12/24/15 taking about $40.00 this time. At that time I called CPS and they kept telling me the IRS has my money and I would get it back on my taxes. My mother and I went to our local IRS office 12/28/15 we sat down with ****** ******** XXXXXXXXX of the IRS. He helped us figure out what was going on. I showed him the letter CPS sent me; on this letter there was a TIN government issuedthe problem is that TIN is issued to someone else, not me or my mother or any person associated with my business. I was curious as to where CPS even got that number so I had ****** ******** e-mail a copy of the contract to me; low and behold, ********** and and/or his agent *********** #XXXXXX, committed fraud after my mother had signed the contract. They went back and wrote a fake TIN government issued to someone else. At this point in time, the contract became void due to fraud. You can clearly see it's in his handwriting (****'s) I have made numerous attempts to get in contact with Mr. **** ******* (Director of Merchant Relations), ******'s boss. I spoke to him once only on 12/28/15 (****) said he realized what happened and he would submit my paperwork to see what they could do about submitting a refund. A week passed, on 1/4/15 I tried to contact **** again to call or e-mail back. I've tried every day via e-mail to ****** ******** or calling the rigorous automated customer service line every time **** was "in a meeting" or I was sent to a voicemailit has now been over two weeks since **** was notified of the situation and I have never heard back from him with an update on my account. No action has been taken to make any of this right. CPS still wants to charge me $300 to cancel my contract even though their employee(s) committed fraud. My requests are not unreasonable, all I want is the roughly $400 taken from me, and to not have to pay a cancellation fee. I do not feel that is asking too much due to fact that an employee of CPS came to my place of business, solicited my business, for CPS. commited fraud-by giving a fake TIN, and caused me over a month of grief and stress over the holidays that has now spread into mid-January. The next step will have to be the retention of legal counsel, a road I do not care to take. Again, CPSrefund the money you lied and said the IRS was holding, cancel my contract with no fees, and in return you can keep the thousands of dollars you have collected in the past two years from me.

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ CPAY has not deceived the consumer with regards to the B-Notice or backup withholdings. Please refer to IRS website: ***************************************** CPAY is always willing to work with our merchants and understand there are circumstances where exceptions to an agreement have to be made in favor of our client. The merchant executed the agreement which outlined all the business information that the consumer was able to review prior to signing the agreement. If there was a mistake in any of the information we do have the ability to rectify it, in this case the consumer's TIN.

2/5/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My transactions are no properly credit to my account and they being double charging me my monthly fee twice per month on 12/22/2015 i did a transaction for $60.00 , i called them to verify it went through they said yes then they told me funds will be available for 12/23/15 so today i checked no funds i called and they said i owe them for October fee of $42.45 , i told them it was impossible they dedcuted from my account every month , so i called the bank and they verify with me that yes everything has been paid but they have been charge me twice my month fee for october and november not only do they owe me my $60.00 but 84.90for overcharging me i faxed them the proof and have not heard from them .

Desired Settlement: ant I want my $60.00 dollars and the overcharge for october and november total $144.90 ASAP

Business Response: Initial Business Response /* (1000, 8, 2016/01/19) */ ******* submitted a fax indicating the monthly service fees to her account. The document also outlines the returns made by the bank to her account. An appointment has been set with ******* to assist in clarifying this activity.

2/1/2016 Problems with Product/Service
1/29/2016 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I signed on with them 3 years ago and was informed that $ 300 would be charged when I cancelled , but they agreed to accept $100 now they want 300 I started with them approx. 3 years ago and cancelled and I was informed there would be a $ 300 charge , which I was not aware and they agreed to accept $ 100, now they want full $ 300 ,which they have deducted from my bank account. I am 71 year old 100 % disabled veteran and closed my business Gulf Construction &^ Supply 114 S Conner St Enterprise Al XXXXX. I feel they misrepresented by not informing me of the cancellation and not keeping verbal agreement to the reduced amount.

Desired Settlement: Cancel $ 300 cancelation penalty they took from bank account that I was unaware they were going take.

Business Response: Initial Business Response /* (1000, 11, 2016/01/27) */ As a courtesy CPAY agrees to reimburse $200 towards the consumer's cancellation fee. The credit has been issued to the account. Initial Consumer Rebuttal /* (2000, 13, 2016/01/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)

1/7/2016 Delivery Issues
1/7/2016 Delivery Issues
12/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Lied to about fees and services I signed up back in Sept. I have yet to be able to use them but they have had no problem charging me a monthly fee. I called yesterday after seeing a charge to my acct. Now they are telling me I'll have to pay over 500 to get out of the contract. I was told there would be no monthly fees that the only fees were 10 cents per transaction by the area manager. I was also told I could get out of the contract with no problem. He also stated everything would be set up within a week. Nothing ever got set up but yet they charge me. Now they are sending a different unit that I told them I didn't want. I have been lied too from the beginning.

Desired Settlement: No termination fees, money credited back to my acct, equipment picked up and to leave my company alone.

Business Response: Initial Business Response /* (1000, 10, 2015/12/07) */ This consumer contacted our office to voice her concerns and her situation has already been handled. The consumer's account was already closed with no fees in November.

12/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They auto withdrew money from my bank account one month after a letter they requested to stop service was faxed to them. My daughter and I own *******'s **** ************ in ***** *** We have done business with Central Payment since 2012. Because my daughter, ******* ********, has moved out of the area she informed Central payment that she wanted to stop their service. They told her to fax the Merchant ID which is #XXXXXXXXXXXXXXXX, the name of her company and the reason for cancellation. They also supposedly told her to call them in 3 days if she didn't hear from them. Because she was so busy with her move she promptly forgot about them. She called my a few days ago to tell me that Central Payment withdrew $32.90 out of our joint banking account so I called them to find out why. They told me that they didn't have a record of her fax. I have the transmission verification report recorded on Oct. 6, 2015. They said that because they don't always receive the faxes they tell customers to call them back in 3 days and because she didn't do that she had to pay for October. I faxed the info to them again on Nov 11, 2015 and they told me to call in 3 days if I didn't hear back from them. I think that this is a total scam and how am I supposed to know if they are telling me the truth or not? I feel like we should be reimbursed for the month of October and that the 3 day call back is a way for them to collect more money. I'm wondering how often this happens to clients that just take their word for what they tell you.

Desired Settlement: I would like to receive a refund of the $32.90 that they took from my bank account after we had terminated their services.

Business Response: Initial Business Response /* (1000, 8, 2015/12/02) */ The merchant submitted their 30 day notice of cancellation letter in November. The merchant was further advised that the 30 day cancellation process takes place upon receipt of the cancellation letter. To resolve the merchant's concerns we have expedited the closure. The account is closed.

12/22/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: BEWARE!Money SCAM Company.Don't trust them with any of your business needs. Please research other Credit Card processors.Save yourself a HUGE headache I had 2 Chargebacks happen in mid July from a client's disgruntled husband. I have spent countless hours on the phone with many Reps and have gotten nowhere. I won both of the Chargebacks, which you would think Central Payment would give me my $389.00 in funds of mine they are holding & credit me back the $203.00 in NSF Fees I was charged through my bank. I have lost $592.00 through Central Payment with these Chargebacks. I am not a big business, I am a independent hairstylist and I don't have $592.00 to give away. I have been tossed around from rep to rep from customer service to Chargebacks to high risk department & I have not had one person that can help me. No one at this company or partnered with this company knows what they are doing or can tell me why my money is being held. The only thing I hear from every single person is that I lost my money because it went to "collections" I always hear they are going to research it or they will email me a breakdown of everything which I never get. Finally 1month after being on the phone almost everyday, I started taking down names & extensions. On Aug 28 I spoke with ****** @ 4:15 he said he would have a supervisor research it & call me back,never got a call back. Called back on Sept. 2 spoke with ***** ext. **** who proceeded to tell me they can not refund me my money because then they will be out of the money. ***** then said she will email me a breakdown of everything. What a surprise never got it & never received a call back. Then I spoke with a ********* @ ext.**** who promised me she will research everything & promised she would call me back the day after Labor Day. I never got a call back from *********. I called back on Sept. 8th explained the whole story involving the chargeback(which you have to do each time you call in to Central Payment & talk to a new rep each time) I told the rep ********* never called me back,the rep put me on hold to get a hold of *********. The Cust. svc. Rep. Came back on & said ********* told her to tell me that ***** from cancellations was suppose to call me back, which never happened. She put me on hold again to transfer me to *****. ********* got back on the line & said ***** would call me back, NEVER HAPPENED! Called again on September 9th, now got transferred to someone who claimed to be a Mgr of the department by the name ***** or **** Ext. **** who once again promised he would look into the matter & will call me back to resolve this issue. Once again I never got a call back from **** ext.**** the "Mgr." I called again on September 11th and spoke with *** @ ext.**** explained everything to ***, he said he will put me on hold & get **** (*****) @ ext.**** on the line. Of course **** was "Not Available" *** said he would make sure **** the Mgr. got my message & would have **** call me back. Today is now September 15th & I still have no resolution or given the courtesy of having anyone look into this matter & call me back. I am now out $592.00 and this company could care less. If I can find a class action lawsuit against this company, I would jump on the bandwagon. This company has no reason why they are keeping my money & Central Payment can not justify why I am out $592.00 nor do they care about Small Businesses. I wish I would have researched this company and read all the bad reviews on them, I would have never been in this horrible situation. I was also lied to & put into a 3 yr contract, the rep that came out to the salon swore up & Down I would not be put in a contract & could cancel anytime. The rep said I didn't need to read through all the paper work because it was late and he just got back from a long trip & wanted to get home to get some sleep.Wow as a new business I was so naive. Of course when I said I need my outside rep to call me, they said he was no longer employed at Central Payment. Do yourselves a favor & save yourself heartache,headaches & your time & stay far away from this deceiving company. Choose another reliable Co.

Desired Settlement: I want my funds of $389.00 returned to me & I want them to refund the $203.00 in NSF fees that was accrued. I won these Chargebacks & Central Payment is making me feel that I was at fault. These are horrible business practices

Business Response: Initial Business Response /* (1000, 13, 2015/10/16) */ Chargebacks are not initiated by the Processor but by the card holder. The consumer's customer is the party disputing these transactions. The merchant did not win both Chargebacks. One merchant lost one Chargeback and the second is still open. Our Chargeback department is awating a response from the card issuing bank. As a processor CPAY has to follow all Chargeback protocols. Initial Consumer Rebuttal /* (3000, 15, 2015/10/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with Central Payment's response. I won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing 1 of the charges again, so now I am waiting to hear back. $389.00 of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback fees. I feel as if I am being scammed because $389.00 is such a random number and they will not send me a breakdown to show where my $389.00 was applied to. A representative by the name of ***** who is in charge of Chargebacks was supposed to email me all my documents on 3 separate occasions, she never has. Since I won the first round of Chargebacks, I feel Central Payment can at least return my $389.00 back to me in good faith but instead they closed my account. I would like my $389.00 returned to me. Final Consumer Response /* (3000, 18, 2015/11/20) */ The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with Central Payment's response. I won the first two chargebacks which I have documentation that the decision was in my favor, the cardholder came back again a few weeks back disputing 1 of the charges again, so now I am waiting to hear back. $389.00 of my money I earned was held by Central Payment, everytime I would ask for a breakdown of why they are keeping my $389.00, the only response I get from the customer service representatives is, the money went towards the Chargeback fees. I feel as if I am being scammed because $389.00 is such a random number and they will not send me a breakdown to show where my $389.00 was applied to. A representative by the name of ***** who is in charge of Chargebacks was supposed to email me all my documents on 3 separate occasions, she never has. Since I won the first round of Chargebacks, I feel Central Payment can at least return my $389.00 back to me in good faith but instead they closed my account. I would like my $389.00 returned to me.

12/3/2015 Problems with Product/Service
12/3/2015 Problems with Product/Service
11/10/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I Send the fax to Central Payment and I said would not continue My contract afte My contract is over This is exactly I wrote I ***** ********** ower of **************. I would like to discontinue on Septer 9, 2015 My contract with you all. The last day of my contract Thank You . Insted of 9October) I wrote Septemebr But I also worte My last day of My contract Now The want to charge me (300.00) For early canclation Fee Plus (600.00) Fee Brige of contract Pleas help me Resove this problem I also send several other Fax they say we only except the first one

Desired Settlement: I would pay my minime payment until my contract is over.

Business Response: Initial Business Response /* (1000, 15, 2015/10/23) */ ***** submitted a 30 day cancellation letter at the start of August. The agreement does not end until October. Furthermore, ***** breached his agreement with CPAY in January. ***** signed and agreed to the terms of his agreement: 1.3 On an exclusive basis, MERCHANT agrees to submit all SALES for processing from CARDS accepted in MERCHANT's business as described in the Merchant App lication to BANK in accordance with the RULES and pursuant to the terms of this AGREEMENT. ***** has been processing his credit card sales through a different processor. He furthermore submitted his cancellation letter months before the contract expired. CPAY is more than willing to remove these fees if he is willing to honor the agreement he executed with CPAY.

10/30/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: MY CONTRACT WAS UP WITH CENTRAL PAYMENT JUL 1, 2015. I CALLED THEM AND FAXED THEM NOTIFICATION THAT I NO LONGER PREFERRED TO DO BUSINESS WITH THEIR COMPANY. THE YOUNG MAN, TOMMY, WHO SIGNED ME UP WITH CENTRAL PAYMENT CALLED ME AND ASKED ME NOT TO CLOSE MY ACCOUNT. I DECLINED. I AM NOW RECEIVING STATEMENTS FROM THEM AND THEIR COLLECTION AGENCY. I CALLED THEM TODAY TO TELL THEM THAT I HAD MET MY OBLIGATION. I HAVE SOLD MY BUILDING AND SEPTEMBER 19, 2015 IS MY LAST DAY OF OPERATION . MY HUSBAND IS A CANCER PATIENT, WE ARE MOVING TO A SMALLER HOME AND I WILL NO LONGER HAVE A RETAIL STORE. I WAS VERY DISAPPOINTED WITH THEIR HANDLING OF THIS SITUATION. I AM PRAYING THAT BBB CAN HELP RESOLVE THIS PROBLEM.NOTHING HAS BEEN PROCESSED THRU THEIR COMPANY IN THE PAST TWO MONTHS.IT'S VERY DISAPPOINTING TO FIND SUCH SHODDY BUSINESS PRACTICES SUCH AS THEIRS. THANK YOU, SINCERELY, MRS. ***** ****** Product_Or_Service: CARD PROCESSING COMPANY Account_Number: XXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Correction to a credit report TSYS MERCHANT SOLUTIONS, THE COLLECTION ARM OF CENTRAL PAYMENT SENT ME A LETTER THREATING THAT MY ACCOUNT MAY BE REPORTED TO EXPERIAN AND ADDED TO AFILE NAMED "MATCH". I WANT TO BE FREE OF THESE PEOPLE AND I DO NOT WANT THEM REPORTING TO EXPERIAN OR ANY OTHER CREDIT BUREAU BECAUSE OF THEIR OWN INAPT EMPLOYEES.I COULD SEND THEM A CHECK FOR $49 AND BE THRU WITH CENTRAL PAYMENT. I'M SURE MANY PEOPLE DO, BUT I REFUSE TO BE TAKEN ADVANTAGE OF BY A BUNCH OF SHISTERS. THANK YOU, MRS. ***** ******

Business Response: Initial Business Response /* (1000, 10, 2015/10/14) */ This consumer contact CPAY to close her account and submitted her 30 day notice of cancellation the second week of September. According to the terms and conditions her account has already been closed. CPAY has found no fault and all items have been handled according to the consumer's merchant agreement between her business and CPAY.

10/22/2015 Delivery Issues | Read Complaint Details
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Complaint: Return $200.00 Deposit. Refund my Last statement amount billed because no credit cards were processed. Merchant Account # XXXXXXXXXXXXXX / I am trying to cancel my credit card processing service because I have switched to a new processor. The Account Representative Victor **** will not return my $200.00 deposit as promised. I am also being billed for credit card processing fees when there are no credit cards transactions for the month. I have been with CentralPayment for about 3 years. What is more appaling is Mr. ****'s response to my request. The amount due is $243.01.

Desired Settlement: 1. Return my $200.00 as promised 2. Refund my last statement amount because no credit cards were processed of $243.01. 3. Cancel my Credit Card Processing Account

Business Response: Initial Business Response /* (1000, 11, 2015/10/05) */ This complaint has no merit. CPAY does not take a "deposit" to set up an account. The merchant agreed to a $200 Application and Setup fee at the start of his agreement. The account is cancelled and we did not apply the renewal cancellation fee. Furthermore, CPAY has already issued a credit for the last month's of legitimate monthly fees as a courtesy only.

10/16/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: This company arbitrarily raises its monthly fees hoping you won't notice. When you call to complain, they lower the fees back to contract levels for a period of time, then begin raising them again. They play this game until you either accept being overcharged or find a better merchant service provider and ask to have your account closed. During the couple of years I was with them I was overcharged in fees by many thousands of dollars.When you try closing your account, they announce a $300 termination fee and a closing delay of 30 days because they know they can pick up one more round of monthly fees with a 30-day delay. When closing your account, they make you fax a hand-signed letter and tell you that you must hear from them within 24 hours of your fax. Of course, you don't hear from anyone, so you have to call in again and fax the letter while you are on the phone with someone from their company just to make sure they got it.In short, this is a sleazy company that likes to take advantage of the businesses that use them for merchant services. There are much better merchant service providers out there. Product_Or_Service: Merchant Service Provider Account_Number: XXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund I want this company to reimburse me for all the money I was overcharged in fees during the time I was with them. In addition, I do not want to pay a termination fee, nor do I want to pay one extra monthly fee.

Business Response: Initial Business Response /* (1000, 10, 2015/07/17) */ Received business response via email on 7/17/15: I am in communication with Mr. ******. He asked for a follow up on Monday afternoon so he can gather his records. In the meantime, I have explained to Mr. ****** that CPAY does not hide any charges or fees that are assessed and everything is communicated with our merchants in writing 30 days prior to any increase. Again, I'm working with him and have a follow up appointment with him Monday afternoon. **** ******* Director of Merchant Relations Initial Consumer Rebuttal /* (3000, 12, 2015/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Actually, the question "Do you accept the response from the business?" makes no sense here because all they've said is we had a follow-up for this afternoon. However, I did not hear from Mr. ******* this afternoon, so once again this reflects badly on Central Payment. I prepared the data I planned to show him, in fact I graphed it on Excel, and it clearly shows the abuse of their fees being raised over time until you call in to complain. Seeing is believing. On the phone he denied that they do this. I hardly expected him to admit it. Now he must look at the data and explain the see-saw behavior. Final Business Response /* (4000, 18, 2015/09/30) */ CPAY has not over charged on monthly fees. All records can be provided upon request detailing any changes notifies as well as the terms and conditions. CPAY is willing to waive the cancellation fee as a courtesy. Final Consumer Response /* (4200, 21, 2015/10/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am having an attorney review everything to see where to go from here. It's a sleazy industry that needs to get cleaned up, so why not start right here.

10/7/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Lack of communication w/ salesmen. Mislead on two separate contracts. Forced to sign multiple contracts without knowledge. Poor practices by salesmen The salesmen, *** ********, showed up and pressured us into the purchase of the machine through Central Payments. He told us we could have a month by month contract even though Central Payment locked us in for three years. He did not tell us exactly what the total costs and fees are even though we had requested that he did. When we have had problems with our machine, he does not communicate with us. One problem we had, he didn't contact us for 3 weeks. He has continued to ignore our requests and doesn't answer our questions. We began experiencing a problem with our card reader and he did not help us out. We contacted Central Payments and tried a new machine. That didn't so the Salesmen said he would set us up with a different machine. A "nicer, newer machine for $29.88 a month." Here he claimed that we wouldn't have to pay for the machine valued at over $2000 (which also broke within a week). He instead switched us to Merchant Retriever and now we are locked in for a 4 year contract with them while still paying for Central Payment. He will not meet with us when we have questions. We are attempting to get out of Central Payment's contract and have received no help from ***. We are forced to do everything ourselves because he doesn't help us.

Desired Settlement: We simply want a new sales representative. We would like to get out of the contract with Central Payments.

Business Response: Initial Business Response /* (1000, 10, 2015/09/21) */ This client has contacted our corporate office and our staff has resolved their issues.

9/22/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Account was closed via email on 3/25. Charged $40 on 5/4. Issued stop pay. Attempted charge of $38 in June. Turned over for collection Account was closed via email on 3/25. Charged $40 on 5/4. Issued stop pay. Attempted charge of $38 in June. Turned over for collection. Vendor (*****') claims cannot cancel via email; must cancel via fax. Sorry, no. Email is cancellation in writing.

Desired Settlement: Credit back fraudulent charges and remove account from collection.

Business Response: Initial Business Response /* (1000, 11, 2015/08/14) */ This client voiced her concerns and our staff was able to assist and also removed the fees owed that had no processing activity on 7/8. No fraudulent charges have been billed to this account. Initial Consumer Rebuttal /* (3000, 13, 2015/08/14) */ 8-14-15 Sent via email from consumer: **** ****** <****@compcond.com> I believe they have "called off the dogs" but have nothing in writing to indicate they have issued credit for the amount they turned over to collection. Attached is the email response from their collection agency. I attempted to call them repeatedly to ensure the balance had been written off but had to hang up each time after 30-45 minutes on hold. **** ******

9/17/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: We are still getting bills for a account we have been trying to close for 3 years. Our business closed in July of 2012. In July we contacted Central payment and requested that our account be closed at the time that the contract was up. It was due to be up in August. They told us they will not cancel over the phone we needed to send them a fax. We did. We continued to get bills. We faxed again. We continued to get bills charged directly to our bank account. Eventually we shut the bank account down since the business had been closed for quite some time. In December of 2014 we received a collection notice from an outside agency. In hopes to finally get everything resolved, we paid more than $200 to get the "fees" that we supposedly had on the account (all of which were incurred after multiple attempts to cancel the contract) taken care of with the collections agency. I then called Central Payment to make sure that the account had actually been closed and there would be no futher charges. They assured me that it had and there would be nothing else. Yesterday I received another collections notice. When I contacted the collections agency they said they received it July 8, 2015 (almost 3 years after our attempts to close the account started). I contacted Central Payment and asked about it and was told it was an early termination fee because they autorenewed our account in 2012 "when we didn't cancel" and when they decided to close our account in July 2014, our renewed contract was not done. I made reference to the call from early this year when we were told everything was taken care of and they said they had no record of that call and that they would never say an account had nothing due on it. I asked if we could get a letter that said that the account is closed and that we would receive no further charges once this was paid. Stating that I would pay this if I could get such a letter. They transferred me to collections where I got an answering machine which then hung up on me instead of allowing me to leave a message.

Desired Settlement: After 3 years of trying to cancel this out, we would like this latest charge removed, taken off of our credit report, taken out of collections, and a letter that states that our account has been cancelled and will not incur any further charges. We would also like our credit report to be corrected for all of the previous issues that have occurred due to their inability to cancel our account.

Business Response: Initial Business Response /* (1000, 10, 2015/09/01) */ This account was terminated for non-payment in 2014. This customer was provided the proper cancellation instructions as well as the instructions on how to cancel a merchant account clearly outlined in the terms and conditions. No cancellation was received by CPAY. Futhermore, this customer's account has not affected her credit report.

9/17/2015 Delivery Issues | Read Complaint Details
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Complaint: CentarPayment failed to provide better service (rates) and promised savings. COW LICKS KIDS SALON Merchant # XXXXXXXXXXXXXX Local company representative Mr. ***** ******* came to my salon in March, 2015. After evaluating my last merchant statement, he showed me charts and graphs how CentralPayment will lower my overall effective rate and save me money. He assured me, that if CenralPayment fails to lower my monthly bill, I can leave the company without early termination fees. At that moment, my overall effective rate with another provider was 1.94%-1.97%. So, I signed the agreemnet. With CenralPayment from March, 2015 to June, 2015 my overall effective rate increased from 1.92% to 2.35%. The numbers indicate that CentarPayment failed to provide better service (rates) and promised savings. After reporting this issue to the corporate headquarters, the company failed to resolved it. Local representative Mr. ******* does not return calls or wishes to comment on this matter.

Desired Settlement: I am asking CentralPayment to terminate my written agreement upon my request without any early termination fees.

Business Response: Initial Business Response /* (1000, 10, 2015/09/01) */ CPAY has already closed this account with no fees as a courtesy only. There is no basis for this complaint.

9/1/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I am writing because I have been trying to cancel wit this company for the past 6 months.They finally cancelled me X-X-XXXX but billed me 7-2-2015 I did everything I was suppose to do to cancel these services. I first wrote a letter,inwhich they say they never received. Then I sent a fax from Office Depot and still money was being withdrawn. So I had my bank Truliant put a stop payment on my account to eliminate any further withdrawals but in turn then I started receiving collection papers. I called the collection agency, never got the representative, left messages stating the problem, no response...ever, jus billing. Sent a second letter out and I guess they finally saw it and when I called back in (finally getting a person) they told me I was cancelled as of X-X-XXXX but on 7-2-2015, their processing took out 49.00....why???? I have had the worse experience with this company as far as excessive fees and cancellation.

Desired Settlement: I want a refund.

Business Response: Initial Business Response /* (1000, 10, 2015/08/14) */ ***Document Attached*** These statements are incorrect and complaint has no merrit. The last billing statement for this merchant account was for May month end fees. The attached document is for June indicating no fees deducted. There was also no statement generated for July month end fees. We contacted the consumer to perform a conference call with their bank for validity as there CPAY is not the only company that is able to ACH funds. The consumer stated they would contact our office back.

8/26/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My issue involves a contract with Central payment, and I will describe the issues involved. They are billing me approx. $400, which is unjustified. 1. There is a contract apparently signed by me, yet I have never seen the contract. This appears fraudulent, and was likely signed by my old business partner, ***** ******, who set up this account. I actually don't even know what Central Payment is, and its services have apparently never been used since the company "cardtruth" that they are billing has been out of business for over a year. I have given central payment the contact information for ***** ******, yet they continue to contact me for payment & have even sent me to collections. 2. Upon realizing that I have been receiving monthly charges from central payment for many years, I immediately closed the bank account they were auto billing, and I contacted central payment to cancel the "contract." Central payment disconnected my calls several times, and other times left me on hold for over 30 minutes at a time. Several times I was told my issue was taken care of, but it was not. I have been contacting them for months to cancel my account, yet they made it impossible to cancel until recently. Phone records will show the number of times that I called, and I had no other intention other than to cancel. 3. Please contact ***** ******, the creator of this account and the person who signed the contract. I never signed it, and refuse to be responsible. Also, please inform me if central payment was ever used, and since it was not, I would like a full refund for YEARS of fraudulent charges to my bank account. Thank you.

Desired Settlement: At a minimum, they need to cancel all current charges and stop harassing me with collection letters. If money is owed, ************ should be contacted directly. Finally, I would like a full refund for all monies paid in the past and extracted from my bank account.

Business Response: Initial Business Response /* (1000, 10, 2015/05/27) */ Mr. ******* executed a 36 month agreement with CPAY. CPAY closed his account in April. We did not collect an early termination fee. This complaint has no merit. CPAY will gladly provide a copy of the merchant agreement executed by Mr. ******* to the BBB if necessary. CPAY does agree to waive any fees in collections that are not for active processing. Initial Consumer Rebuttal /* (3000, 12, 2015/05/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issues of my complaint were completely ignored in their response. How do I respond when they did not even address the issues in my complaint?

8/17/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: In my letter of cancellation to close my account, the early termination fee amount I agreed to pay was to be taken on 08/02/15 and it was taken early! The premature execution of the early term fee withdrawal has created overdraft fees and other financial hardships.

Desired Settlement: Requesting a refund for the monthly service fee that was taken a few days ahead of the early termination fee withdrawal

Business Response: Initial Business Response /* (1000, 9, 2015/07/29) */ ***** worked with our representatives and has decided to remain with Central Payment. Our representatives are assisting with courtesy credits as well.

8/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Misled into signing up with Central Payment. We were initially called and told that a company representative from our current service provider would be coming to our place of business on 3/19/15 to upgrade our credit card terminal. Instead, when they showed up they were reps from Central Payment who told us EVERYONE would need new processing terminals by October 2015 as a security chip was being introduced that would be required to be used by all businesses. They proceeded to insist that they could give us a better deal than our current company, all we had to do was fill out an application form that Central Payment would use to see if we would qualify for their services. We told the reps plainly upfront that we did NOT want to sign anything that day that would obligate us because we had dealt with shyster reps before and had been burnt, so wanted to check out the credibility of Central Payment first and also compare their offer with our current processor. They insisted they were the most ethical company out there and that what we signed was simply an application for approval; that nothing would be official until we were notified again and every bit of information was gone over with us via a lengthy phone call and either approved or disapproved of by us at that time. Well, they lied. We never got that lengthy phone call, just a 30 second quickie that I thought was just a continuation of the application process. Instead we started getting emails giving us a new merchant account number and declaring we would need to go to their website to get PCI compliant. Additionally, a new processing machine just showed up in the mail, and within days withdrawals started to be attempted from our bank account that were above the amount they had even mentioned the machine would cost. Meanwhile, we talked with both our current processor and our bank and they said we would most likely never even need a new machine because 99% of our business is keyed in so the chip would do us no good. Plus the new system would not be ready by October anyway. When we saw the emails and the activity taking place on our bank account that we had not authorized, we immediately called Central Payment and they said they would close our unauthorized account. Well, over a month and a half later, payments are still attempting to be withdrawn by Central Payment from our bank account. I would not call that closed! I would call that fraudulence! In addition, we have been VERY RUDELY harassed by Northern Leasing Systems through whom Central Payment sent us their new credit card processing machine. We have never opened that box and have attempted repeatedly to send it back. At first they claimed we couldn't because we didn't have a certain number that was required. We tried to get that elusive number and were given the run around by our Central Payment rep, who finally said he would find out what we needed in order to return it, and then simply never called us back. We then called Northern Leasing again and through much rudeness were given a return address. We sent the machine through Fedex to that exact address. Northern Leasing then routed it to a PO Box (which they KNEW Fedex would not deliver to) so the box was then returned to us, apparently so they could claim they never received it back. But we have all the Fedex paperwork to prove we attempted. In summary, we were misled into signing up for service with Central Payment; we were grossly misled to believe that company reps coming to our business were from our current service provider to do an upgrade, and when calling to try to resolve these issues we were met with rude customer service. The company reps have definitely not be ethical as they claim and we would not choose to do business with this company knowing what we do even if they gave us free service!

Desired Settlement: A ceasing of all attempts to withdraw money from our bank account (which would include shredding our bank account information by both Central Payment and Northern Leasing) and an acknowledgement that we are NOT a merchant of theirs. Reimbursement of the financial cost in attempting to send back the credit card machine which we never asked for and never used, and an actual way to get it back to them if they want it. In claiming that it is worth several thousand dollars one would sure think so!

Business Response: Initial Business Response /* (1000, 11, 2015/06/11) */ ***** contacted CPAY requesting the closure of the account, no physical or electronic message was received from the customer to have the account closed. Our records indicate that the customer sent the machine back to CPAY towards the end of May. We are investigating the claims presented by the customer through this complaint. In the meantime we have closed the account as requested in sign of good faith. Initial Consumer Rebuttal /* (3000, 13, 2015/06/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Our first attempt at returning the machine was through FedEx on 4/15/2015, a month earlier than stated above. This cost us $18.63 and was routed back to us. Therefore, we had to send it back again on 5/19/2015 which cost us another $14.00. Additionally, we asked for the account to be closed (which we had never asked to be opened) in March, and as recently as the beginning of June we were still receiving charges. Final Consumer Response /* (3000, 18, 2015/07/16) */ We just received another statement from their collections dept. dated 7/6/2015 still claiming we owe. They claim we may be reported to Experian, a credit bureau, and Match, where our account may be suspended from current and future processing. This is all over $15.95 that should never have been on the account because when we immediately called (back in March) stating we didn't want any part of their business, we were told our account would be closed.

7/30/2015 Delivery Issues | Read Complaint Details
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Complaint: they got me in to contract that i have to pay $111. for 4 year. there rap daniel a telley who came to us told u he can cancel or make change on but they got me in to contract that i have to pay $111. for 4 year. there rap daniel a telley who came to us told u he can cancel or make change on it but. now his not ans his phone.i had call central to complint about him they didn.t took any action on him and they have not refund my money that rep had make change on my acc i have all those paper from the daniel a teley had told us on scratch paper .. for all the changes they made on my acc they lower my rate but dint refound my money to my acc as they there rep told me ...they lied about everthing they had said... i have very small busniess and this kind change make very had on us i dont read good english .. i was going throug everything daniel telley told me .. he has took advang of my sencond launge .. please take some action on the caomany so it will not happen to other small busiess man like me i work very hard for my money ...

Desired Settlement: i will like to get my money back only the one they were charnge me more .. and have then cancel my lease and the 550. fity i had paid them

Business Response: Initial Business Response /* (1000, 10, 2015/07/14) */ At least 9 staff members (manager, supervisors and representatives) tried to assist this client and tried to answer his questions but unfortunately the customer refused assistance. He was made aware of his cancellation fee before it was assessed. The lease was also verified in several occasions prior to being processed. He also accepted delivery of the equipment and also signed agreeing to a NON CANCELLABLE LEASE through Norhtern Leasing. CPAY would still like to assist ****** if he wishes to honor the agreement he executed.

7/21/2015 Delivery Issues | Read Complaint Details
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Complaint: We were mislead by a sales rep for central payment, not just one person but several in a salon setting We were approached by. A sales rep for central payment he told us there would be no monthly fees no contracts no contract terminations it was a month to month type of service we would be charged for only what we use. The amount we would p A sales rep for central payment he told us there would be no monthly fees no contracts no contract terminations it was a month to month type of service we would be charged for only what we use at was a percentage per card swipe. When I did not use central payment because there were fees that were not suppose to be charged to me and the fees were higher than we were quoted, I was charged a monthly fee and when I called them they told me I would have to pay over $500 to get out of my contract, which the rep had said there was no contract but we were on a month to month basis. This company falsely sent a rep out to sign up several of the girls at my salon and they have lied to everyone one of us. The customer service is VERY UNHELPFUL!

Desired Settlement: I just want out of this contract and I will not pay fees to discontinue this service I just want to be done with this unethical company.

Business Response: Initial Business Response /* (1000, 10, 2015/06/15) */ This customer contacted our office on 5/26 and voiced her concerns. Our staff was able to assist with adjusting her account with her rates and fees. The customer agreed to adjustments and will remain a CPAY customer.

7/20/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: $51 was removed (unauthorized)from our account and we did NOT use any services. We (************************ Craft Show) were given the opportunity to TRY Central Payment Credit Card services with at our one weekend a year show. We hated it. It did not work in that location. EVERY year since we have been charged for using it. Although we haven't. CP said we signed a contract for THREE years. We didn't. New management has taken over **** BUT our account was charged over $51 but with fees it turned into over $200 bc we were trying to close the account! They had NO right to take money (that wasn't there) out of the bank account.

Desired Settlement: We used the system ONE weekend and returned EVERYTHING. We should have NOT been charged the last three years! WE have called, emailed etc... and they said we HAD to pay THREE years. Although this was NOT the agreement we made with our rep ****** ********* we paid. BUT this year is CRAZY! I would like this year's money returned as well as fees, as well as the past two years.

Business Response: Final Consumer Response /* (3000, 11, 2015/01/05) */ 12-24-14 Sent via email: I was the treasurer of The ***** of ***********. Our representative was ****** ********* The leader was ***** ********* I contacted ****** and set the initial program up. It is MY account that Central Payment keeps accessing ..... This program did NOT work for us. Neither ***** or myself signed anything to extend this more than that first weekend four years ago. Central Payment has charged us for not filing records, etc... we DON'T USE THEM. Both ***** and I have personal businesses that have tried to work with Central Payment. We are NOT talking about those. We are ONLY talking about the ***** of ***********. AND the fact that they are STILL trying to take out MORE money.... they have caused us $172 MORE in fees!!!! ******** **** Nature's Touch Soaps

7/13/2015 Delivery Issues
6/26/2015 Delivery Issues | Read Complaint Details
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Complaint: Despite deceptive sales tactics, I attempted to cancel within 90 days, was given the run around, and have hit a wall with customer service. I run a small coffee shop, and True Payment Solutions has caused us financial pain, as well as the headache that come from the many efforts to communicate. The sales tactics were deceptive and manipulative, and got me into a contract I did not want (but was guaranteed that I would be able to back out with no problem). Below is an argument that I showed due diligence to opt out of what I was weasled into, have gone above and beyond to make the case personally with the company. I just want the $998.85 that they withdrew returned. August 19: Two TPS salesmen came in and proposed a lot of things that sounded great. Being busy, I asked for it on paper so I could look it over. They had me sign the "application" and they would be back the next day with the contract once everything was approved. August 20: They did not come back, but rather an installation man did. I realized what had happened, expressed that I did not want the service, and sent him on his way after he assured me he would have the rep contact me and cancel. August XX: XX:XXam, I called TPS and asked to cancel service. They said the rep had to do it. He would call me. September X: XX:XXpm I called in regards to the invoice for the register equipment. I let them know not only did they have the wrong spelling of name, wrong address, and wrong email, but that I had not received the machine, did not want it, and was not moving ahead with the service. They said "okay" and said that my rep would have to handle cancellation. October 15: At 8:36am, I called and spoke with a rep. This was the longest and most frustrating conversation, and I did get upset - while still telling the lady on the line I was not mad at her, just the situation. "There has to be a way for me to cancel service today!" ''I just want to cancel!'' I was told again that it had to be the sales rep. She gave me his name, and I asked that a note be made that I was upset, trying to cancel service, and that I didn't believe the rep was going to call me. I was told repeatedly the ONLY route to cancel service was through the rep (who I haven't heard from since day one). I asked to speak to a supervisor, and was told I could not. After the 90 days passed ** which I was ''allowed'' to cancel service, TPS started drawing funds from the bank. By January, I'd called a few more times, and was told nothing of having the sales rep cancel, but that I had to mail it in writing. Plus, there'd be a $500 fee. I naturally argued that I DID try to cancel, and to look at the notes. There were no notes on my account, or records of my calls. After I sent the cancellation note in writing, they waited another month, withdrew another sum, and then charged the cancellation fee. What was becoming routine, I called TPS and happened to speak to one of the higher-ups. She was kind to listen, and sympathized, but held that ultimately I had 90 days and there was no evidence of efforts to cancel. I provided my phone records, begged they check if the calls were one of the recorded ones, and switched to email communication. This is an excerpt: ''Please consider: 1. TPS recently returned the payment machine to Central Payment. The machine I never had, and was in your possession the entire time. This is fact, and on record. 2. Records show absolutely no activity, ever, on my account. This is fact, and on record. 3. There were three phone calls within the first 90 days, with no machine and no usage of service. This is fact, and on record.'' I have records of every call and conversation. I've continued efforts at communication, now sticking to easier to track email. The pattern of no response, and no solution continues. I've been trying to cancel the service since August 20, with proof of effort. I have never used the service, do not have the equipment, and did what I knew to and was directed to by the company. I hope this will be resolved soon, funds returned.

Desired Settlement: I just want what was withdrawn from the bank to be returned. It totaled $998.95.

Business Response: Initial Business Response /* (1000, 12, 2015/07/08) */ We did not receive notice from the client that he wanted to cancel his credit card service until he notified our corporate office in Jan 2015. CPAY closed the account in February. There are no reported issues on the account and there are multiple records from our office attempting to contact the customer with no success. Even with **** placing this complaint, CPAY attempted numerous times to contact the customer, unfortunately the voice mail continues to state that his voice mail box is full and cannot accept messages. CPAY is more than willing to assist the customer. He can reach Director of Call Center Operations, **** *******, directly. Initial Consumer Rebuttal /* (3000, 14, 2015/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response continues to assume there was no contact before Jan 15. It ignores the documented and shared 3 attempts to cancel within the first 90 days. There are "no reported issues on the account" because the people on the phone did not report them. The phone records show otherwise. While the claim is to have tried to reach me "multiple " and "numerous" times, I am as easy to reach as anyone. They have my business phone, which is answered during all business hours. I would be interested to have proof of how many "multiple" actually is. Email has not been utilized from their end. Bottom line: I never used the service. I never received the machine needed to use the service. I documented and have phone records for the times within the first 90 days in which I contacted the company to cancel. Before resorting to BBB I communicated with the supervisor of Customer Service via the easily documented means of email. "I'll get back with you" is what was repeated again and again over the course of four months. BBB has records of how many attempts it took them to get a response, as well. I will be contacting the suggested Director as requested (though no contact information is provided), and hope to update saying they were "more than willing to assist the customer." In all, I do not accept the response from the business because it ignores much of the content of the original complaint and deflects rather than addresses the problem. Final Business Response /* (4000, 25, 2015/10/26) */ The consumer executed a merchant agreement for a 12 month period. He decided to break the contract prior to the expiration of the agreement. Despite his choice to break the agreement CPAY refunded the legitimate Early Termination Fee as a courtesy. In good faith CPAY is willing to refund an additional 2 months of legitimate monthly fees again, as a courtesy, if all matters are put to rest. Final Consumer Response /* (4200, 27, 2015/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) As a courtesy, the company could prove good faith by reading and addressing the core of the complaint: I tried three times in the 90 day cancellation period to cancel. Each time I was told my sales rep was the only way to cancel and he would call me. There was no call from my sales rep. The third call, as the 90 day period was closing, the person on the phone emphasized the same point. I was not satisfied and pleaded for another way to cancel, she said there was no way other than through my sales rep. I asked for a complaint to be filed that the issue was not addressed, and to make a note on my account that I wanted to cancel. Almost as if they were trained to stymie, it was not until after the 90 days that they told me all I had to do was write in. In trying to resolve the issue post-90 days, I was told there was no record of my calls, and no notes on my account. I sent them my phone records with their number, dates of calls, and then was told they would get back with me. I asked for records from their end, and the possibility of the calls being recorded. No response. Ignore and conquer has been the strategy this company has employed, never addressing the core issue, refusing to return my calls or emails, and then casting blame on me. I have shown due diligence for over a year, taking some form of action almost monthly to resolve the issue, but the core of the issue is not resolved. The way it is, the company unjustly charged me almost $1000, refunded 500, and now is offering to "courteously" return a less than two hundred. From the initial deceptiveness of the original sales people to the deflective customer service, and to the lack of willingness to even address the complaint, I do not consider this case resolved. My concern is that it seems like the sales people are trained to deceive, then the customer service trained to take any measure to make sure the account is not closed in the 90 day "guarantee" period, even if it means further deception (saying the sales rep is the only way to cancel), not leaving notes, and not making records of calls, even at the customer's explicit request. This is not ethical business, and I would hope they would go the distance to make sure the public knows that is not the strategy that they employ.

6/24/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: The independent contractor/sales rep misrepresented the company by stating I would only be charged if I used the credit card machine. I never used it. My local sales person misrepresented this service to me. She said there would be no charges unless I used the credit card machine, plus she never mentioned an "early termination charge." I have been charged monthly every month since 10/24/2014. My business never opened; I never used the machine once. Central Payment sees the activity statement; there has never been any activity. I am employed now and have no plans to open my own business. I've called their customer service number at XXX-XXX-XXXX and emailed Central Payment (latest reply from them was on 5/8/15, ********* ******* Merchant Relations) multiple times to cancel and be refunded. This morning (5/12/15) I was charged a $550 early termination fee!! Again, for a service I haven't and will never use. I called my bank to request a stop payment, then I called CPay again. The representative told me to run a charge of $200.00 through my machine. I don't understand this rationale... My local rep doesn't return my phone calls. Monthly charges are as follows: 10/24/2014 $8.85, 11/3 $0.49, 12/2 $22.50, 1/5/2015 $30.45, 2/2 $7.95, 4/2 $22.95, 5/4 $22.95. Total charges = $550 + 116.14. I would like to be reimbursed the full amount. I am shipping the equipment today to *** ****** St., *** ******* CA XXXXX, still in original packaging. I have a very limited income to support my family and don't believe I should be punished for an "error" or "misrepresentation" by the local sales representative. Corporate has the ability to rectify this error and I would appreciate it if they would. Thank you.

Desired Settlement: I want to be refunded for all charges and fees incurred since 10/24/2014. I would like the contract cancelled. I don't want it auto-renewed. I never used this product since my business never opened.

Business Response: Initial Business Response /* (1000, 13, 2015/06/15) */ This account is closed. The Early Termination Fee has failed from being collected however CPAY has waived the $550 cancellation fee as a courtesy and will not be rebilled. CPAY was not made aware that the customer's business closed until he informed our office at which time we initiated cancellation process. Initial Consumer Rebuttal /* (2000, 15, 2015/06/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) Central Payment has stated they have waived the $550 Early Termination Fee and it won't be rebilled. They also stated my account is closed, so I expect no further monthly charges to my checking account. I would have preferred to have all the monthly charges refunded to me, however I accept their response as long as no additional charges are processed.

6/17/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Being charged for services that my company did not signed up for nor ever used. Central Payments has been charging ********* LLC, for credit card processing that has never been used or signed up by ********* LLC,. Once contacted, the customer service gentlemen of Central Payments on the phone stated that a fee needed to be paid in order to cancel the service. I (****** *****) stated I did not sign up for this service because I already have a credit card processing set up with a different company. I was also told that ***** ******* was the one responsible for setting ********* LLC with Central Payments. I have contacted ***** about the issue and he stated that he never did set ********* LLC with Central Payments. He claims he has been in contact with Central Payments to resolve this issue however nothing has been accomplished. Meanwhile, Central Payments is sending me as a "DBA" of the LLC I work for to collections for a service that I have never used or signed up for.

Desired Settlement: First and foremost I would like this issue resolved. Stop the service at once and take my company ********* LLC, and my name ****** ***** out of collections. 2. Refund ********* LLC, all money drawn from ********* LLC bank account by Central Payments for the services that were not used nor signed up for. 3. Make sure this issue is closed and if collection has reported this to the credit bureau to contact them and fix that problem.

Business Response: Initial Business Response /* (1000, 11, 2015/06/15) */ This customer's account is closed. The merchant improperly terminated their account by placing a stop payment. The account was not used because the customer chose to use an alternate processor instead. As a courtesy we have cleared the owed balance on the account since the owed balance has no processing activity. Initial Consumer Rebuttal /* (2000, 13, 2015/06/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you

6/15/2015 Delivery Issues | Read Complaint Details
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Complaint: Account Executive mislead and misrepresented company business policy and practices.The company has yet to refund money owed. 1/24/2015 the Account Executive approached my business to entice us to try his credit card processor. Making promises of a 60 day trial period and the application & setup fee of $195 would be returned should we decide to cancel within the 60 day period. The card reader and screen monitor came in 7-10 days, no instruction were included and the Account Executive failed to show up to provide installation or support as promised. After numerous calls to the Account Executive we contacted tech service. That person walked us through set up on phone, the equipment appeared to be working. Within a few days and numerous attempts to process credit cards the equipment would not read any cards. We had to revert to the previous credit card processing machine. We called tech support several times for assistance. They told us to wipe the card reader and could not provide any other assistance. During this time I contacted the Account Executive 3 times telling him of my dissatisfaction, never once did he tell me the process to cancel our account but promised to visit our business to offer assistance, almost a stall tactic in hopes we would go past the 60 day trail period, he never showed up. 3/5/ 2015 I contacted customer service and was told to send a letter to Close the Account, which I did that day 3/5/2015. Customer service also informed me they would not refund the setup fee or application, since the Account Executive had promised me the refund it had to come from him. 3/25/2015 I called, unable to leave a message with the Account Executive, texted him telling him that I would contact BBB if I did not hear from him within 2 business days and I wanted the $195.00 refunded as he promised me. Within 5 minutes of sending the text I was contacted by the Account Executive. I was informed the refund would be forth coming within 2 weeks. 2 weeks passed *** no refund as promised per Account Executive. 4/7/2015 I tried to contact Account Executive, unable to leave message on his phone, texted him once again, no response. As of today's date I am in receipt of a monthly statement for $69.31 for the month of March which I do not owe due to the stall tactics of the Account Executive. I contacted billing and was informed there was a 30 day cancellation period, something the Account Executive did not inform me of.

Desired Settlement: PROMPT refund of $195.00 Written proof from the COMPANY that my account has been closed,and that there are NO balances owing on the account.

Business Response: Initial Business Response /* (1000, 8, 2015/05/01) */ CPAY has already closed *****'s account per her previous request. Her local representative states that he did advise ***** of the credit for her Application and Setup. CPAY has now issued this credit to her account. We apologize to ***** for the delay in receiving her credit. Initial Consumer Rebuttal /* (3000, 10, 2015/05/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received the setup fee of $195.00 5/6/15 which is appreciated but the monthly fee of $69.31 was not refunded. I feel I am owed that amount due to the lack of information from the Account Executive, his lack of service as promised to assist in the setup and his stall tactics, which goes back to February time frame. If the Account Executive would have full filled his promise, my contract would have been cancelled in time to avoid a monthly fee. A prompt refund of the monthly fee of $69.31 is still outstanding. Thank you. Final Business Response /* (4000, 14, 2015/06/10) */ 6-2-15 Sent via email: Hi ******* This customer is not "owed" that amount back. She called and submitted her 30 day notice of cancellation in March. The $69.31 accounts for March month-end statement. As a courtesy ONLY we have issued this credit. Thank you, **** ******* Final Consumer Response /* (2000, 16, 2015/06/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) Hello ******* I have received the refund which was due me, thank you. Contrary to ****'s remark as I was not "owed" the amount back. I was due the refund, due to the lack of information provided to me by the Account Executive. I started inquiring with the Account Executive in January and never once did he tell me I needed to contact the company, only that he would be drive to my business to instruct me how to install the machine. A day was set in Jan, needless to say the Account Executive never arrived or called to let me know he wouldn't be there. I called a day later and my call went into his voice mail. I called again a few days later and finally spoke with the Account Executive. His reason he didn't show was due to illness and we once again set another day in Feb for him to come to my business, again he did not show. Never once during all our phone calls did he inform me to contact the business to close our account. After numerous calls again I could not reach the Account Executive, I sent him a text informing him if he did not call me that day to settle the matter I would contact Better Business Bureau. Surprise, I had a call from him within 5 minutes. At that time he finally informed me they were having numerous issues with the machine we had, we were still within our trial period and I should contact the company to cancel our account and everything would be refunded to me. If the Account Executive had informed me back in Jan what I needed to do, the account would have been closed in Jan and I would never been charged a monthly fee. The Account Executive is remiss in his title and needs to perhaps go back for training so he is informed on how to do his job effectively. I am truly disappointed in the service I received during the time I had my contract and will never refer the company as a reputable business.

6/9/2015 Delivery Issues
6/8/2015 Problems with Product/Service
6/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Centtal payment will not honor my lease. States if desk is unable to fix problem we proudly offer a full replacement to help keeping business running. September XX XXXX leased point of sale system from central payment. Our sales person is **** ****** Serial # eXXXXXXXX item # ************** lease is 4 years $213 a month. Central payment refuses to send a replacement. They want me to send it to manufacturer and pay to get it fixed. When they are responsible for replacement and repairs.

Desired Settlement: I was seeking a replacement. After trying to get them to remedy the problem and asking for a replacement was out of the question for them. I just want them to payoff my lease so I can start over with a new company. Central payment is trying to bully me.

Business Response: Initial Business Response /* (1000, 12, 2015/05/06) */ CPAY does not own the lease. The customer has a lease through Northern Leasing. The customer contacted our office for repairs. Per the reseller, the unit must be sent to them for repair. CPAY offered to cover repair costs if necessary to assist. This complaint has no merit as CPAY was willing to take on costs for repairs as a courtesy. Initial Consumer Rebuttal /* (3000, 14, 2015/05/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) Central Payment's response is not accurate. We tried to get our system fixed for 3 weeks and they gave us a run-around. They said it was our responsibility to pay to get POS equipment fixed. After we stated we were contacting the BBB, they said they would pay to have the POS fixed ONLY if we went back to processing with them. It felt like he was bullying us to use them as a processor again. They never lived up to their contract on the processing. Our batches took 48 hours to get into our bank account after a promised next day. We had lots of issues with the processing and they choose not to take care of it. So for the best interest of our business, we had to change processors. When we cancelled processing , we were verbally told they would continue POS support and it is also stated in our contract.

6/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Cancelled my contract with my sales rep in June. billed every month since june and was charged a 375.00 cancellation fee. Sales rep told no cancel fee Used CC Machine for about a year. Told Sales rep I didn't want anymore 4 months later picked up machine was charged 50.00 per month for 7 months after cancellation, and also charged $375.00 Sales rep told me many times I would be refunded but still have yet to see the money

Desired Settlement: I would like $728.15 Back because this is what was charged after I cancelled with Central payment

Business Response: Initial Business Response /* (1000, 9, 2015/03/10) */ Received business response via email on 3/6/15: I've had a chance to review this account. This merchant executed a merchant agreement and decided to switch companies while still under contract. Attached is a copy of the merchant agreement for your records indicating this is a 3 year agreement. I have also attached a cancellation letter submitted by the client on 1/9/15 where he expressed his desire to cancel the merchant account. CPAY tried to work things out with the client to avoid his breaking the agreement, but instead he continued hanging up on the representative who were trying to assist and placed a complaint instead. CPAY is still more than willing to assist this client so he can fulfill his agreement. In return CPAY agrees to credit back the legitimate cancellation fee upon his return to process with CPAY for the duration of his agreement. Thank you, **** ******* Director of Merchant Relations Initial Consumer Rebuttal /* (3000, 11, 2015/03/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was verbally told multiple times that I would get a refund for 6-7 months because. I told the salesman to cancel and gave him the Credit terminal back 5-6 months before the cancelation paper that was signed. Instead $375.00 Cancelation fee was withdrawn from my account. The salesman did not follow through with his end of the deal. I was told multiple times that there was no cancelation fee, and was even told that I would get a refund for the months after I verbally told the salesman that I did not want the CC terminal any longer

6/3/2015 Delivery Issues
5/22/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Central Payment is a company that provides credit card machines and processing for businesses. We have been with them for 2 years and haven't really paid that much attention until recently that they charge us more than we make to use their services. For the month of January, we had one credit card charge of $150 and they charged us $134.75 for their services. That only leaves us $15.25 and we still have to pay business taxes on $150, which could leave us in the negative on that one charge. For the month of February, we didn't have any charges and was billed for $47.46. So we decide to cancel the service and send the equipment back, which cost us around $15 to ship it back to them. Well today, I look at our business bank account, as I do everyday, and see a charge from Central Payment for $375. I call them up and they say that it is for early cancellation of their service. What else to do but pay it, because getting a lawyer will just cost that much more. So now we are not going to be accepting any credit cards, only cash and check, which we have been burned by a few times before. I wouldn't suggest to anyone to use this company for there needs. Product_Or_Service: Credit card processing and equipment Account_Number: ********************

Desired Settlement: DesiredSettlementID: Refund I would, at the least, like to get my $375 early cancellation fee back from them. I believe that they have probably made enough money off of my little two person business through the two years we have been with them.

Business Response: Initial Business Response /* (1000, 13, 2015/05/06) */ Mr. ******** entered in to a standard 3 year term with our Free Terminal Program, which requires a 36 month agreement. Our office received a call from the client or his manager requesting the closure of the account. Our staff attempted to assist the customer so that he may honor his agreement at a much lower cost to him based on his processing activity. Assistance was refused. Our staff advised the customer of his contractual obligations before he officially closed his account and before he submitted his cancellation request. With this knowledge and refusing our assistance the customer submitted his 30 day cancellation notice. CPAY received a call with the complaint that the customer did not agree with our policy requesting a 30 day cancellation letter. CPAY, as a courtesy, worked with the customer and issued credit for the last 30 days his account was open with CPAY.

5/22/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Cancelled account in Oct 2014 and we are still being charged for an open account. We were immediately charged the cancellation fee. We were the victims of a stolen credit card. Our staff followed CPay's instructions of calling and confirming the card and they said it was fine to charge. Then 30 days later we get a chargeback of $26000+ for merchandise that had already been shipped. We now have no recourse for the loss of merchandise. Then CPay held $50000 of our money due to the large chargeback they approved. We had to hire an attorney to get the funds released. We immediately cancelled our account in Oct 2014 with CPay and was charged $550 for an early termination fee. We were also charged sales tax on the machines which we had to return but they refused to return the money paid to them. Now we are still being charged monthly fees for an account that was closed in Oct. I have spent multiple hours trying to resolve this with no response other than call this other number. We are getting the push off. CPay has the worst customer service, they put you on hold for ever or never answer the phone, you have to wait for them to call you back.

Desired Settlement: We would like a refund of all the fees charged to us including the early termination fee of $550 plus $100.45 for December and $53.90 for the month of November. We want this account closed. Thank you!

Business Response: Initial Business Response /* (1000, 5, 2015/01/15) */ This accounts has already been closed according to the cancellation letter received at the end of October. The customer had charge backs fees for customers disputing transactions after the closure of the account. The customer also states that CPAY gave the approval to run this transaction, which is incorrect. CPAY provided the number to the card issuing bank. Like all other processing companies, CPAY has no control when a customer of our merchant decides to dispute a transaction through their card issuing bank but we do have an obligation to abide by the regulations when Chargebacks occur. There is no mistake from CPAY in this case and further provided the merchant an a copy of their terms and conditions at their request. CPAY will issue credits for any fees that are not processing or Chargeback fees that may have took place after the submission of the cancellation letter. As for the cancellation fee, while the merchant cancelled at no fault from CPAY we can assist by reimbursing 25% of the cancellation fee as a courtesy. Chargebacks would have occurred with any other processor that this merchant would have been signed up. Initial Consumer Rebuttal /* (3000, 7, 2015/01/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would appreciate the 25% reimbursement of the cancellation fee and also the excessive chargeback fees charged on the Dec 2014 Statement. I called and was told I would receive a call back and never did, typical of your customer service. As soon as I see the money reimbursed into our account, I will satisfy this complaint. Thank you. Final Business Response /* (4000, 13, 2015/05/08) */ CPAY has issed the promised credits to the merchant's account.

5/22/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My business partner and I sold our company and canceled our contract. Four months later we are still being charged. On December 23, 2014, Bugs and Kisses account XXXXXXXXXXXXXX sent a letter to cancel our contract. When we originally signed up, we were told there was no cancelation fee to cancel. On 1/5/2015 we were charged $91.39 and on 2/2/15, we were charged $129.51 even though we had no used the machine since December. We contacted Central Payment on several occasions to find out why we were being charged after we canceled. They explained we had to pay $550 to cancel even though we were originally told we did not have to. We paid that 3/12/2015 and sent back our equipment. They said our account would be closed. Then we are informed that we are being turned over to collections for the amount of $109.90 for unpaid fees from February and March. We have spent several hours on the phone and every person gives us a different story of why we still have to pay and every person gives us a different total of what is due. Yesterday we paid $109.90 in hopes that our account will finally be closed.

Desired Settlement: We would like our $109.90 back and for our account to finally be closed.

Business Response: Initial Business Response /* (1000, 5, 2015/05/05) */ This merchant account was closed in April. The 30 day cancellation notice was not sent to our office until March. Our office worked with *****, who is the signer of the account, and waived the NSF fees for the rejected months. This account was verified prior to entering in our system as a 36 month term. The actual cancellation fee is $375 as was advised to ***** when she contacted our office. This fee has failed and we did not collect it. The requested credit in the complaint for $109.90 does not account for the amount of the cancellation fee. However, since those months were not used we are more than happy to apply it to the balance of the cancellation fee.

5/20/2015 Delivery Issues | Read Complaint Details
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Complaint: Recently I was convinced to switch to another merchant for credit card processing. They assured me that I would save nearly half in total fees and if there was any early termination fee they would cover it. That is until the previous merchant set UNREASONABLE terms. They said My early termination fee would be $375.00 and because I did not finish My contract I would also have to pay back the $495.00 that they paid on an early termination fee when they brought me in to their company. Account_Number: XXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I think the $375.00 is plenty, they have also been charging me $52.53 the last couple of months even though the processing has already been switched to the other company. I will be broke. Between the two of them I don't know who to believe

Business Response: Initial Business Response /* (1000, 8, 2015/05/01) */ This client is using the BBB service with no cause. The customer contacted our office in April to let us know she was switching processors for lower rates. Our staff has offered assistance and has made the customer aware of the our Lifetime Price Match guarantee so that she still receive the same if not better rates than what she was proposed. Instead of taking this offer a complaint was placed with the BBB. Our offer is on the table and we will be more than glad to assist if the customer permits. This client entered a 36 month agreement, which will be complete on 8/9/16. This client agreed to the terms and conditions of the agreement and further acknowledge and signed the attached addendum regarding the retraction of her previous processor's cancellation fee in the even the client does not honor the 36 month term.

5/14/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Will not return calls or emails. Issued fake PCI Compliance certificate. Will not refund overcharges. Never gave login credentials to me. I cancelled service with this company in Jan 2013. They continued to debit service charges from my business checking account for the next 6 months. In May 2013 they issued a PCI Compliance certificate that indicates a score of "Pass". I never took the questionnaire for the PCI Compliance and never asked for it. They do not return all emails and rarely return phone calls. They attaempted to make Zero contact with me or my company after we cancelled our account. By not providing decent customer service or relations,and sending out fake PCI certificates, this makes Central payment in breech of contract and ethics. They have acknowledged overcharges to my company. They refuse to refund all overcharges which total $439.75. The original terms of the 6 month agreement were satisfied on my end. This matter will go to litigation pending the outcome of BBB's inquiry. Thank You

Desired Settlement: I am seeking a settlement of $439.75 in the form of a check made out to ****** *******. I am ****** ******* /owner of the company and personal guarantor as originally indicated in the agreement. I also need a letter stating that my account was in good standing with a zero balance as of October 1st, 2013.

Business Response: Initial Business Response /* (1000, 11, 2014/05/30) */ Central Payment spoke with ******. In April 2014 he was credited for the cancellation fee as well as clearing the fees owed on his account. Initial Consumer Rebuttal /* (3000, 13, 2014/06/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is still a remaining settlement refund that I was promised by Central Payment to be deposited back into my checking account. As of June XX XXXX, there has been no refund, credit or anything from Central Payment. I was told on May XX XXXX that this would happen in the next "3 or 4 days". This company (Central Payment) still owes me money by their own admission and they have not paid it. I still have heard absolutely nothing from the local rep that originally signed me up for this card processing service. Do Not do business with this company. They are a huge headache. They have until Friday June 13 to refund the amount they promised.

5/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I was put into a contact and the company kept adding fees. My fees do not match my agreement. They also put me into a lease on an obsolete machine. I was lied to at my presentation and I am being charged for a machine that has been obsolete for several years. I can not process payments and they refuse to help me out. I want out of my lease and agreement that they changed in middle of term. Fees keep getting added.

Desired Settlement: I would like a complete refund of all fees and refund for machine. Machine will be sent back.

Business Response: Initial Business Response /* (1000, 10, 2015/04/27) */ This complaint has no merit against CPAY. Mr. ***** had a merchant account with Central Payment on a Month to month term. His account was cancelled according to the cancellation letter submitted by ***. Furthermore, CPAY does not hold a lease for Mr. *****'s account. Therefore we are unable to stop a debit that was not debited or had any affiliation to CPAY. We kindly ask the consumer to retract this complaint as CPAY has no lease for him.

5/7/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: We chose to switch service to another company, sent a cease processing form, which was ignored. Paid 6 months fees,company is pressing for more money Jan 11,2013 (Friday) entered into service contract using own equipment. Blue(customer) copy of contract was removed, has no signatures, dates or terms. The sales person was pushing to complete the contract THAT day. Very pushy. He also stated that he would personally be here on Monday to program our equipment. We called on Monday to find that he no longer worked for the company. July 19,2013 we chose to switch service companies, sent a notice to cease bank card processing July 19, 2013. We told the company that our contract did not have any signatures, they faxed their copy which showed signatures, terms and was dated. However information had been altered. Central Payment continued to debit our bank account , and a second notice to cease was faxed on Nov 8, 2013. Monthly debits of $42.45 continued until a stop payment was issued at our bank. March X XXXX. A total of $339.70 had been paid to Central Payment for no service. On March 17th, 2014, a letter from TSYS and a ******* ****** was received. A return letter was sent explaining why we stopped payment. Copies of our copy of the contract was included together with the fax copy of their contract copy. No reply was received, letters continued to arrive from TSYS. Telephone calls were made to TSYS to resolve this situation. calls made at 11:15am May 5, 9:21am May 9 and again at 8:40am on May 20th. A detailed message was left, for Ms ******, no return call was ever received. July of 2014, a statement from Central Payment was received showing a $0 balance owed. October XX XXXX, an email was received from McCarthy, Burgess and Wolff of Ohio. Attached to the email was a form letter, void of any reference. No Balance due, not file number, or acct number. October 27, 2014, Called MB&W spoke to a woman although did not record her name. I did note that it took her awhile to understand that we had been paying CP $42.45 for 6 months after sending a cancellation notice. At that time I told her that we would be willing to pay $35.30 to bring the total to $375.00 as a "cancellation fee" She told me that she had to propose that to the company and get back to me. No reply until November 5, 2014 Spoke to ******* at MB&W extension ****. After discussing the whole matter with her, she told me that my cease bank processing notice had to be sent by registered mail. She was going to confirm this and send that information to me. She would also present the previous proposal for paying the balance of a $375.00 cancellation fee. No Reply until March 5, 2015!! At approximately 5:05 pm a very aggressive man phoned from MB&W demanding a payment of over $200 for Central Payment. He would not allow me to go through my file and explain the details of the situation. He was rude, and a bully. He claimed the call I received on Nov. X XXXX was not in their records. He told me that I was uncooperative and he had asked me three times what information they were supposed to be supplying me. He told me that there was nothing that he could do to help me. It was obvious that he was not up to date on the file, and claimed that we owed for the equipment. I lost my cool and yelled that we owned the equipment! I hung up on him. I realize that TSYS and McCarthy Burgess and Wolff are only affiliates of Central Payment, however the interaction with those two companies reflect our efforts to resolve this matter.

Desired Settlement: To date $339.70 had already been received by Central Payment from The Mercantile Inc. I ask that Central Payment accept this amount as settlement, and release The Mercantile Inc and The Principals from the contract. With a guarantee of no further action from their affiliates TSYS and McCarthy Burgess and Wolff. As communication with Central Payment and it's affiliates is sporadic and uninformed at best, I ask that the releases be submitted in writing, notarized and sent to The Mercantile Inc *** **** ***** Street ********* ** XXXXX by registered mail.

Business Response: Initial Business Response /* (1000, 11, 2015/04/13) */ This client's account with CPAY has been closed quite some time. CPAY has requested a breakdown of the fees in question. CPAY is waivingany owed fees that are not fees for actual credit card processing activity. Initial Consumer Rebuttal /* (3000, 13, 2015/04/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am confused by CPAY's response. If the account has been closed for some time, why were billing statements issued up until July 2014? Billing Statements issued from August 2013 through February 2014 all show $0.00 in activity summary and each show just fees assessed. August 2013, $44.46, September through December 2013, $42.45 each. January 2014 Fee of $42.45 February 2014 a fee of $127.45. I stopped payment of anything further on March X XXXX, Additional billing statements were received But NOT paid by The Mercantile. March 2014 $42.45, April 2014, $42.45 May 2014 $58.40 and June 2014 $58.40. July 2014 the amount showed a summary of $0.00 Letters from TSYS began in March of 2014, showing an outstanding balance of $42.45 for March, April, May, June and July. and a balance of $116.80 for August September, and October. With attempts to resolve this issue, and no response from TSYS. Then the matter was given to a collection Agency McCarthy Burgess and Wolff, and calls were received. STILL trying to collect on these fees. NONE according to my records for processing ANY credit/debit cards!! IF this account was "closed for quite sometime". WHY am I still being hounded for payment. The Mercantile has not processed any cards through Central Payment since July 2013!! I have requested that Central Payment release The Mercantile Inc and The Principals from the contract. With a guarantee of no further action from their affiliates TSYS and McCarthy Burgess and Wolff. As communication with Central Payment and it's affiliates is sporadic and uninformed at best, I ask that the releases be submitted in writing, notarized and sent to The Mercantile Inc *** **** ***** ****** ********* ** XXXXX by registered mail. Final Business Response /* (4000, 17, 2015/05/06) */ CPAY has already removed these items from collections. Final Consumer Response /* (2000, 19, 2015/05/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am disappointed that CPAY has not sent a written release to The Mercantile as requested, but am relieved that the calls have finally stopped. I hope that this is indeed the end of this relationship.

5/7/2015 Delivery Issues | Read Complaint Details
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Complaint: Bully-tactics to get me to sign, was blatantly lied to about cost and terms of releasing me from the contract should my business close. Approached repeatedly by sales associate ******* ****** in 2013, who used bully-tactics to get me to sign the 3 year contract (on April 18, 2013) and switch over to his company for the merchant account. I was promised a lower rate, and most importantly, promised I could release from the contract- WITHOUT PENALTY- should I close my business. This was my number one concern with the contract. He blatantly lied to me to get me to sign. The rates were not lower, much higher in fact, and the company charges a penalty of $275 for breaking the contract in the second year. I have called Customer Service repeatedly and been given the run around. I asked to speak with a manager and was told he is "Out Sick" every time I call. The Customer Service rep refused to give me his last name, only his first name *******. Attempts to contact him have been fruitless, I never received a return call. I was told by **** ****** if I did not meet the minimum transaction quota the charge would be $50. Since I closed the business in October 2014 I have not met the quota and have been charged $140 per month since then. This is WAY higher than I was promised. I was also promised this company would pay up to $200 to release me from my old merchant contract with BBT but they did not. Account number: XXXXXXXX

Desired Settlement: Release from contract with no penalty and at least one month refund for not meeting the quota.

Business Response: Initial Business Response /* (1000, 5, 2015/02/16) */ CPAY attempted to reach ****** to offer a solution. His business voicemail states they will re-open on 2/25. ****** signed a 36 month agreement with CPAY for credit card processing. He further acknowledged on the agreement (we can send if necessary) that any other special arrangements made between he and his agent would be in the "Special Instructions" section of the agreement. Cancellation representatives had previously offered a reduction to $275, but instead of receiving this courtesy reduction ****** placed a complaint. Due to the nature of ****** breaking his agreement with CPAY, as a courtesy, we can reduce his cancellation fee to half of the $375, which is the actual cancellation fee. Initial Consumer Rebuttal /* (3000, 7, 2015/02/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like to accept this offer, unfortunately I cannot get a rep on the phone to honor it, nor will **** ******* give me a return call. I have called multiple times, only to get the voice mail every time. So again with the run-around. Not to mention, it is not being addressed that this company has MUCH higher fees than originally promised. Final Consumer Response /* (2000, 10, 2015/05/07) */ 5-7-15 Sent via email: Yes, it has been resolved. Thank you.

5/6/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Not terminating service and taking fees out of my bank account. September of 2014 i called to terminate service with this credit card processing company and went with another company. I was told to fax a termination order to them. I did so that same day with a follow up phone call to make sure they recieved the fax. After the acknowledgment of the fax the person told me that it will be taken care of and will see in our final statement. Nov 2014 i realized that monthly payment fees of $37 was still being taken from account . I called central payment and they acknowledged the error and also had my wife call to explain that i was not involved with the business any longer and their were no credit card transactions for the past two months. Jan 2015 i called once again with no action from central payment. I called again after i recieved another bill with fees taken out today march XX XXXX. I was tranfered to another department. which they said that they never recieved any fax, phone calls from me. After explaining the events of 7months. I was told i didnt do what i just explained and would not take care of this without proper procedure of the fax. After explaining i did fax. They said they did not recieve anything. 7 months and approximately $ 250 later, nothing is taken care of.

Desired Settlement: Money that was taken from account after termination of services. $261.45. Also for central payment to stop service.

Business Response: Initial Business Response /* (1000, 11, 2015/04/20) */ On 11/17/14, CPAY received a call from a person by the name of ****, who is not a listed contact/owner for this account. **** requested information on the contract term and cancellation of the account. Because **** is not a listed principle for the account our staff asked for any proof stating she is a decision maker for the business in order to further assist with the closure. **** said she would obtain this and call back. The call back was not until 3/16/15. Our staff attempted to assist *****, the caller, and advised to submit his closure letter in order to have the account closed. To date CPAY has not received a cancellation letter. However, while we ask for a 30 day cancellation notification CPAY will expedite the immediate closure of the account.

5/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Agent promised pin pad with sign up. Never received payment or had service set up. Still being charged monthly minimum. I was approached by **** ******* in September 2014 to switch my processing. He promised emv pin pads for me to switch. After signing contract i never saw mark again and to this day I am still being charged minimum fees totaling $116 a month and cannot receive any info on getting a refund and canceling out my account.

Desired Settlement: I would like to have my account closed and receive a refund for the minimum fees which i was charged since I was never actively processing with central payment.

Business Response: Initial Business Response /* (1000, 10, 2015/04/20) */ CPAY was contacted by this client. He expressed his concerns and CPAY closed his accounts per his request. CPAY has also issued credits for monthly fees from up to the time the accounts were closed (November through February).

5/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: The regional Sales Executive ****** A. ****** Intentionally misrepresented the rates and fees for services and products offered by the company. In an attempt to sell credit card processing services, ****** ****** misrepresented the fees and costs associated with central payment. ****** ****** drafted contract documents that were intentionally misleading, had specific errors, and included different terms than what was discussed and agreed upon. Specifically, ****** had offered a new credit card machine (approximate $500 value) at no charge, and he miscalculated the rates that would be charged on each transaction, to make it seem like there would be a savings on each transaction, an promised approximate "savings" of $200 per month. In reality, the credit card machine was to be leased at a rate of $100 per month for 48 months ($4800 for a $500 machine that was offered for free).I did agree to leasing the check machine only after ****** told me that the $99.00 monthly lease amount would be included in the discounted rates and credit card charges he showed me on my previous bill. Also the processing rate he used to calculate was only valid for a small percentage of the transactions that would be processed. ****** also fraudulently filled out the application for his services. ****** filled out the landlord for someone that I dont know. I am my own landlord. I was on thier service for less than three days before I could completly review these fraudulent items

Desired Settlement: I would like to be released from this contract for Processing and all fees to do with his Central Processing. I would like to be released from the lease agreement on both the credit card machine and check machine To include any and all fees.

Business Response: Initial Business Response /* (1000, 8, 2015/05/01) */ ***** contacted our office to cancel without yet processing with CPAY to see the results/savings in processing. He refused assistance from multiple representatives and Supervisor. CPAY is here to provide the support he needs. We have invested in setting up this merchant account for him and are more than willing to make any necessary changes to ensure he is saving money with his processing. ***** holds a lease through a third party, Northern Leasing. He verified this lease in several steps to ensure he was fully aware that it was a non cancellable lease with Northern Leasing. If ***** decides he wants to close the account CPAY is willing to waive the legitimate cancellation fee as a courtesy since he has yet to use the service, however, we cannot speak on behalf of Northern Leasing as they are not a CPAY entity. However, we would much rather satisfy *****'s needs if he wishes to process through CPAY. Initial Consumer Rebuttal /* (2000, 11, 2015/05/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will accept CPAY'S offer to close my account with waiving the cancellation fee. I believe that CPAY is trying to resolve my issue. I believe that CPAY should investigate the practices of the outside salesman / independent contractor I have had the unfortunate experience with. Thank you.

4/30/2015 Delivery Issues | Read Complaint Details
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Complaint: Deceptive, Fraudulent, Devious and Unprofessional Practices to gain Signed Contract and Subsequent Business Funds. It came to my attention the account from Central Payment of ***** (Merchant I.D. XXXXXXXXXXXXXX signed in mid-July of 2014) was obtained via fraudulent, deceptive, devious and unprofessional circumstances. Salesman Casey ****** presented himself as the replacement to our local credit card processing company (Capital Bankcard) claiming Central Payment had absorbed Capital Bankcard and the previous rep. was no longer with the company. To "make it legal" he had me sign a "replacement contract" and was providing a new terminal as "compensation for my inconvenience." In effect, this bound me to a brand new contract from Central Payment that has higher fees, an application charge ($195.00), a PCI charge ($65.00) and a non-cancellable terminal lease. On September 15, 2014, I found out the story provided by Mr. ****** was not true and I returned the terminal (received by ****** XX-X-XX) with a letter demanding (1) immediately CANCEL the account; (2) immediately REFUND application fee, PCI fees and other excessive fees and (3) immediately TERMINATE the lease.

Desired Settlement: (1) CANCEL account XXXXXXXXXXXXXX (2) REFUND at least $260.00 minimum (3) TERMINATE equipment lease contract

Business Response: Initial Business Response /* (1000, 8, 2014/10/31) */ CPAY management spoke with ******. CPAY was not aware of this client's concerns until this complaint was placed. ****** agrees that he could have gone through our corporate office first to have his concerns resolved. Nevertheless, he has agreed to continue working with CPAY. In return CPAY will do a cost analysis to ensure he receives a lower cost on his credit card processing. He will continue working with management to put all items to rest. Initial Consumer Rebuttal /* (3000, 10, 2014/11/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not want ANY more contact from CPAY. I want them to be a reputable company and resolve this fiasco by doing what I ask, which is what is the RIGHT thing to do. (1) Cancel the account; (2) Refund the $260.00 and; (3) Terminate the equipment lease. I will accept NO OTHER resolution and WILL get litigious if I must. Final Consumer Response /* (2000, 16, 2015/04/30) */ 4-30-15 Sent via email by consumer's attorney: *** ***** <**************@yahoo.com> Hello Yvette, The name(s) would be ****** ******* OR *******'s Mexican Restaurant. I am the financial adviser to Mr. *******. You may contact me (XXX-XXX-XXXX) if you need further information. Best regards, *** ***** : Miss *****, This case can be considered resolved. Thank you.

4/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We originally requested cancellation of service on September 20 and they were notified by certified letter on October 1. They have continued billing. They claim they notified us two months later in December that the President of our company could not sign the cancellation request and an owner would have to sign for it. After being notified the owner signed in January. They acknowledged receipt of the new form on February 9 and cancellation is to take effect on March 9, 2015. Subsequently they have charged our bank account monthly fees from October 2014 until March 2014 when no transactions went through their service and their machine was not in our office. Additionally, they charged our account on February 10 $375.00 for a cancellation fee and then charged a monthly fee again on March 2, 2015. During the 6 months several communications were made with phone representatives of the company and on several occasions they gave incorrect fax numbers and incorrect email addresses to expedite delivery of the cancellation notice. The owner of our company subsequently spoke with a representative named Scott at extension **** on March 3 and he advised that the cancellation would be final on March 9 and the company would not refund any of the incurred charges for the prior months including March, 2015. He also was very rude and unprofessional in his discussions with the owner. We believe these actions constitute theft as no service was provided during the 6 month period that we were trying to cancel.

Desired Settlement: $46 refund for November, 2014; $43.90 refund for December, 2014; $43.90 refund for January, 2015; 128.90 refund for February, 2015; $43.90 refund for March, 2015. Total refund amount requested $306.60.

Business Response: Initial Business Response /* (1000, 11, 2015/04/07) */ The consumer's account was closed on 3/3/15. CPAY received a cancellation letter signed by an unknown person to CPAY. Upon receipt of said notice, CPAY staff reached out to the business to address their needs and advise of the notice received by an unknown person. Our representative spoke with a female employee at the business who placed the caller on hold and did not come back on the line. Our staff followed up with an email to **********@gmail.com (email address in our records). As a courtesy, CPAY is willing to credit back all monthly fees going back to January 2015. This consumer breached their processing agreement with CPAY and refused assistance or price match in order to honor the agreement. Initial Consumer Rebuttal /* (2000, 13, 2015/04/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) I was asking for a refund of all months that we did not utilize their service. They offered to settle by paying the 3 months in 2015 which I believe is fair. I am expecting them to credit my bank account in a prompt manner to close this issue.

4/20/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I signed up with the sales rep for a month to month contract. When I tried to cancel the service the company informed me of a $500 cancelation fee. I, along with another independent contractor, signed up with a sales representative of Central Payment, *** for credit card processing services. We were told that the contracts were on a month to month basis with no cancellation fee. My Co workers contract, filled out exactly as mine, stated in the special notes section (hand written by the sales rep.) month to month, no cancellation fee. In October of 2014 I started a new job and no longer needed the service. When I tried to cancel I was informed of a $500 cancellation fee. I addressed the error with the cancellation dept. who directed me to the contract and stood firmly on the fee. I then contacted the sales rep *** who apologized for his over sight, he failed to write it in under the special instructions and assured me he would have the matter fixed. Since that conversation I have contacted *** almost every month letting him know it has not been taken care of and that I have issued a stop payment through my bank. He again apologized profusely and went as far as to offer to reimburse me out of his own pocket. I told him that was not necessary as the amount taken was very small, however I still needed the account to be fixed and closed. I am now receiving letters, months later, threatening to take me to collections. I called central payment again and after speaking with a customer service rep, and the cancellation dept. I was transferred to management who informed me that *** no longer works for the company and that is not their fault that he made a mistake. As a "courtesy " they are willing to cut the cancellation fee in half as well as the last few months fees that they have turned over to their collection dept. Only if I were not to contact my attorney or the BBB. If I did either of those things then they would withdraw their offer. All I want is what I was told. I no longer need the service I am not an independent contractor any longer and I would like the contract canceled without the $500 fee as promised. I do not feel as though I should be punished because of an over sight on the sales reps fault. He represented their company and from my understanding tried to fix his mistake.

Desired Settlement: Closing of the account without fees.

Business Response: Initial Business Response /* (1000, 11, 2015/03/31) */ CPAY Management spoke with the customer in February. She stated that she was no longer at the business because she did not find it lucrative for her family. CPAY did arrange, as a courtesy, to waive the cancellation fee to assist this client as we only needed to receive her written notice of cancellation, which has not yet been received. This complaint has no merrit, however, the offer is still on the table. Initial Consumer Rebuttal /* (3000, 13, 2015/04/02) */ Final Business Response /* (4000, 15, 2015/04/16) */ Thank you. Ms. ******'s account with CPAY is fully closed according to the cancellation letter received. Final Consumer Response /* (2000, 17, 2015/04/20) */ 4-20-15 Sent via email: Good afternoon, I do believe everything has been resolved, and I very much so appreciate your help. Thank you, ****** ******

4/16/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The rep for the company misrepresented the company by not disclosing the policies I got a visa machine my company closed down 6 months after getting the machine when I contacted the rep she informed me there was a 3 yr contract that she never mentioned until I had no use for the machine she told me she would give it to her next customer that she signed up that was in june 2014 the company continues to chg me every month even though I am not using the machine and now this month they charged me 10 proc fee 5 dollar statement fee and 90 dollar other fee which then in turn overdrew my acct costing me more money. I have tried to work with the rep to no avail, I cont to be chg for a product I am not using and want to be compensated for all fee's from june 2014 to present and cancel my contract immediately for misreprentation this company is just stealing from consumers and want to charge me 325 to cancel the contract which I was never informed about and was told they would give it to their next client to avoid all these fees This is just wrong when they see the activity statement every month and know the machine is not being used !!

Desired Settlement: I want to be refunded for all fees since my business closed in june of 2014 in which I immediately informed the rep , along with the 100 fee i was charged for Jan I want the company to stop immediately taking money out of my acct and my contract be voided immediately and all phone harrassing phone calls from this company to cease

Business Response: Initial Business Response /* (1000, 10, 2015/03/31) */ CPAY spoke with this customer and assisted with their concerns. CPAY took it a step further and as a courtesy waived their Early Termination fee. This account has already been closed.

4/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: merchant contract was presented under different terms. 12/03/2013 We were offer merchant services, Their sales rep **** ********** had promised that we were going to had a merchant services with no contract and no cancellation fee, also they were supposed to handle the cancellation from my prior merchant service provide, and such request wasn't ever completed. 08/04/2014 I had call to canceled my contract and every other employee that I have talk to has been extremely rude and unprofessional, and overall now they are staying that I had a 3year contract or an early cancellation fee, and that their sales reps works independently and they are not to honored what their sales rep **** once promise, dis guy was dishonest and had offered similar to other business in my area. I need to have my contract canceled I'm not willing to do business with this company ever, since most employees including **** ********** **** ****** and "*********" manager(no last name since she stayed she wasn't required to provide her last name had treat me unprofessional, and had not honored what I was promise, a " Merchant Service with no contract and NO CANCELLATION SERVICE". Now they are also forcing me to retain their service for another 30 days until any cancellation takes place and they will charge me $550.00 fee, which never supposed to be one, according to their sales rep **** ********** Please help me this company is promoting something that is nothing but lies. My merchant id is XXXXXXXX. ***** ******

Desired Settlement: **Merchant service cancel; As it was promise no CANCELLATION FEE and effective immediately,without retaliation.** Please only what's fair and what it was promise by their sales rep, whom I tried and my husband try to reach several times unsuccessfully. My husband just reach him last Thursday 07/31/2014 and even that day **** had told him that he was going to take care and that we were not going to need to paid nor we were gonna get charge a fee, however the last manager that reach me today "*********" was rude and confirm that we were going to get assets the fee regardless of what their contract employee **** may had said. once Again not fair.

Business Response: Initial Business Response /* (1000, 10, 2014/09/15) */ CPAY management reached out to *****. She expressed her concerns and we were able to assist in providing a resolution. ***** will remain a CPAY customer and has been given a contact at corporate for future assistance. Initial Consumer Rebuttal /* (3000, 12, 2014/10/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was contacted by **** ******* director of merchant relationships. I express my concerns about my current account and my desire to break apart from central payment, he dint offer a resolution the overall highlight of or conversation was that I wasn't going to talk to their sales rep anymore(Aldo *********** and that was about it. I mention to him several times that I wanted my original contract that they had with my signature and after that contract was on my hand I was going to decide whether I stay or not, I refuse to pay their alleged " cancellation fee" because I firmly believe that that wasn't ever stayed to me and that I was lure by their sales tactics and now they would like to charge a fee. They show me a copy of a "contract with my name and information" however the areas were my signature suppose to be there was only a file line for what it seems to be an archived file code for the image of my contract. However my contract was signed and filled by hand. Ever since my conversation with **** ******* on 09/12/14 the requested copy of my original contract hasn't been delivered to me, ever since I have made several attempts to talk to **** and inquiry about my request however I haven't been able to do so. The email that **** had sent me had a cancelation form for my previous merchant processor, but that's about it, no resolution was reach nor were they able to suggest any. I have a copy of the email and I will be glad to forward to you as proved of my statement. I really feel that this company is making me waste my time and they seem to show any interest to resolve my request, which is once again leave their service as it was promise "no contract and no cancellation fees". Please help .

4/8/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Our contract was 2 years, when we called to cancel it, we were told it would cost $300 to do so. We explained we were not using the service. When they refused to cancel our contract unless we paid $300, we decided it would cost less to the contract run out. Then they started charging a compliance fee which doubled my billed. I filled out the compliance form, and still was billed. The system needed to scan my card reader, which I explained, again, was not in use, nor hooked up. The scan could not occur. They continued to bill this extra money even though I was not using the service, and therefore not in need of compliance.

Desired Settlement: $300 for violation of contract. Company provided means to cancel and refused to comply with their own policies. We were lied to repeatedly.

Business Response: Initial Business Response /* (1000, 5, 2015/01/15) */ Mr. ******, the signer for this account, contacted our office this January to cancel the services. Our staff offered to assist as we have done in the past. Assistance was reduced by Mr. ******. His agreement has been reviewed and all items have taken place the way the account was signed up, however, if Mr. ****** wishes to ride out the agreement until his expiration in March he would have no cancellation fee. Initial Consumer Rebuttal /* (3000, 7, 2015/01/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) We have cotacted this company on more than one occasion. We also made contact in January of 2014, when we discussed with a representative that fact that our equipment is not usable, and therefore cannot be scanned by the provider. We were assured this would not have an effect on our ability to be PCI compliant, which is not the case. We are being billed double as to what is in our contract, as every month we were "non-compliant," even though we submitted the form, we were billed as non-compliant, though we have processed NOTHING for 24 months.

4/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: his Employee **** ***** R. Manager from ******** offer us false advertisement, didn't respond phone call and didn't provide copy of the contract he offer cheap rate, next day deposit after transaction, pay on full the cancelation of our previous contract with SCB, witch he cant cancel, stop by and check how the service of his machine is, but after we get his service never see him again or return our call/email.

Desired Settlement: They need to cancel my contract witch he dint provide us whit one copy of nothing, refund the money they tock from my bank acct.

Business Response: Initial Business Response /* (1000, 10, 2015/03/18) */ CPAY has attempted to assist this client on several occasions. Unfortunately the representatives who tried to assist have reported to be mistreated by the contact at the client's business and refused assistance. This account was set up according to the setup form received by our office. However, we understand there are instances where additional services are required by our clients. When this is the case we will gladly add the services needed. We would still like to assist our client in having the account adjusted to the way he would like to have the account in order for him to honor the agreement executed. If this client decides that he would like to cancel the legitimate agreement executed, we are more than willing to reduce his cancellation fee as a courtesy to assist.

3/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Was told to cancel account in June 14 They continued to pull money out of our acct. for last 5 mths In Jan 2015 they charged a cancellation fee275.00 In June of 2014 central payment was contacted to cancel our acct. to Dale's Garage and Body Shop. They failed to do so and kept trying to pull monthly fees out of our acct. We have received multiple letters telling us we are being sent to collections and that we owe money we do not. They should have cancelled our acct. in June and did not do so. Now we have been charged a cancellation fee in Jan 2015 of $275.00. We do not feel responsible for the cancellation fee nor any other. It was on them to get this taken care of before hand and they refused to do so....I would never go with this company again nor recommend it to any other business. Scams is all it is...They kept raising fees and did nothing about it.

Desired Settlement: Please cancel all fees you say are due. If this had been cancelled by Central Payment when they were told to do so we would not have these monthly fees that are up to around $400.00 now. I want a complete reimbursement of the $275.00 Cancellation Fee....and for the monthly charges that have reached to around $150.00 to be dropped immediately.

Business Response: Initial Business Response /* (1000, 10, 2015/02/26) */

3/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Central payment charged me a cancellation fee of $300.00 even though I was no longer under contract with them. My contract with Central Payment began in March of 2010. The "terms and conditions" of my contract read as follows: "If MERCHANT is approved for this (3) year MERCHANT account, any cancellation by MERCHANT of this agreement within (3) years from the date of approval, or in the event that FNBO terminates the agreement pursuant to Section 5.3 of the Terms and Conditions, the MERCHANT will be subject to the applicable early termination fees and MERCHANT will be charged a fee for such early termination equal to (i) $550.00 if terminated before completion of the first year of the Term; or (ii) $375 if terminated after the completion of the first year of the INITIAL TERM but prior to the end of the second year; or (iii) $300.00 if terminated after the completion of the second year of the INITIAL TERM but prior to the end of the third year period of the INITIAL TERM." I faxed Central Payment my cancellation letter on January 15, 2015. That was 2 years after my 3-year contract ended and they still charged me the $300.00 cancellation fee with the excuse that the contract says it auto-renewed after the initial 3 years. No where in my contract does it state nor does it include a clause of a "renewal". I can email/fax the Director of Merchant Relations, **** ******* a true and accurate copy of my original contract because it doesn't seem like he has reviewed it, or read it carefully as he assures that it automatically renews for successive two (2) year periods ("Renewal Terms").

Desired Settlement: I ask that Central Payment give me a FULL refund of the $300.00 they debited my account being that there is no "early-termination", I was no longer under contract since March 2013.

Business Response: Initial Business Response /* (1000, 8, 2015/02/16) */ CPAY spoke with ****. She has expressed her concerns. We pointed out where the agreement states her renewal term. However, after further consideration of the expiration date of her renewal term CPAY agreed to pro-rate her cancellation fee and **** will receive a refund for $200. **** agreed this to be a fair settlement.

3/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: on April 8,2014 I spoke to the lady on customer service named ***** to close my account as my agreement was no more and they were charging to much,lad I had their credit card machine shipped back and even then they were charging me every month 56.20 every month and one day I had a letter from them claiming $175.20 as an outdstanding balance ,I called them the lady on phone told me my account is not cancelled and still in running and I told the lady my account is already closed and I have confirmation no XXXXXXX but the lady told me we can not close the account until you send us written statement ,after that I wrote her written statement and faxed it back ,the result was they again drew $250 from my bank account and still they are demanding $175.20 and they are sending me letter from collection department named as TSYS merchant solutions ,please look in to the matter and try to resolve this issue as soon as possible because they are trying to loot me and stealing my money

Desired Settlement: I want my $250 and and they need to take back all papers against my business and they need to be honest with every one

Business Response: Initial Business Response /* (1000, 9, 2015/02/16) */ This account has been closed since October 2014. ****** did submit a cancellation the same month that the account was closed, however he placed a stop payment on CPAY prior to doing so. While the actual cancellation fee for his account was $300, CPAY issued a reduced cancellation fee. This complaint has no merit.

3/2/2015 Problems with Product/Service
2/25/2015 Problems with Product/Service
2/25/2015 Problems with Product/Service
2/11/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The sales representative continual fed me false information about the processes involved in using their services and the cancellation process. The Central Payment sales representative ****** ******** was formerly a member of my BNI group. He gave me the sales presentation on how it worked and told me to sign the contract. He said he just covered everything in the contract and I can just sign if I agree to those things. I asked some clarifying questions such as what happens if I am no longer a business next year or don't need their services anymore, and he told me that I could cancel WITHOUT a cancellation fee. He had waived other monthly processing fees so I assumed he had the authority to do so with the contract and was accurately presenting the information. From that point on I've had nothing but problems. First of all, my terminal doesn't work with my phone. I would keep calling him and he'd say he'd call me back to help me out with it the next day and never would. It still doesn't work to this day several months later. Also, when I initially started setting up my account and began filling out the PCI compliance form, I had a question about what they were asking of me and asked him what it meant so I knew how to answer. He informed me that I should stop taking the quiz. He said that is something he is supposed to do and had me send my password and information so he could complete it for me. I asked if he was sure and said I didn't mind doing it. He insisted that he do it and said it's something I shouldn't be doing. A few months later, I began getting charged PCI compliance fees. I tried reaching him week after week to get him to help me get them refunded and resolved. He is near impossible to contact and if I do get through, he says he'll call me back and never does. So, I ended up with 4 months of PCI fees. They are supposedly going to refund those because, as I found out, he was lying and wasn't supposed to do anything with my PCI compliance quiz; only I was. This past month, I finally called corporate headquarters to express my frustration. I got through to a manager named *****. I expressed my frustration to her and asked that she help me get those months refunded and help me cancel. She said if I wanted to cancel, it would cost me $550 to do so because I'm breaking a contract. Furthermore, she was extremely rude and refused to process more than 3 months of PCI refunds. I called *** afterwards frustrated and he assured me he would help me cancel and that I wouldn't have to pay any fees. After not hearing from him for a few days, I called again on Friday, November 21 asking him to help me. He said he was busy but would try to take care of it that day and again assured me I would not have to pay the cancellation fee. He told me they were more afraid of losing him than vice versa and that he had the power to work it out. I still have not heard back from him. Monday, November 24, I called the Central Payment center again and finally got through to the director of merchant relations, ****. I told him how I wanted to get out of this contract. I expressed that I no longer wanted to do business with a company that employees such deceitful representatives and that I was disgusted with the false information and lack of help I was receiving. I also informed him that I am no longer operating my business at a professional capacity due to health problems and as *** promised, I wanted out of the contract without fees. The best he said he could do would be a $250 cancellation fee while giving me my refund or skipping the refund and having me pay around $186 in cancellation fees. He said he was giving me a deal and taking a loss. I refused this deal and when I told him I was going to bring to the public what was going on, he said he could take back the deal if I was going to defame them. I clarified I would never defame the company, but had no problem bringing forth all the facts to others (e.g. the BBB) to make sure people didn't get tricked into the same situation. I told him that I am financially not in a place to pay the fee and that they should uphold ***'s promise.

Desired Settlement: I would like my full 4 months of PCI compliance fees refunded to me because the process was misrepresented to me. I also would like to return their equipment to them (free of charge to me) and be released of my contract with this company without financial penalty. I do not want to be charge any more fees and simply want to cancel without the cancellation fee as the sales representative promised I could on three separate occasions. At that point, I will no longer pursue any actions against the company would like to move on from this experience.

Business Response: Initial Business Response /* (1000, 8, 2014/12/15) */ CPAY management spoke with ******** on 11/24. There is no valid reason to void this agreement. ******** voiced her concerns with regards to the PCI Compliance fee. This has been offered to be credited in full as a courtesy upon her completion of the Self Assessment Questionnaire as required by the PCI council. ******** was advised that we have solutions for all her problems, however she refused to allow our staff to assist. Since ******** was adamant on cancelling the account without cause she was offered a reduced Cancellation fee of $200. ******** asked what would happen if she went out of business. CPAY agreed to cancel with no cancellation fee if the business did in fact close. ******** stated she was to discuss this with her husband and advise of the direction she wished to take. CPAY is still more than willing assist ******** and these offers are on the table if she allows CPAY staff to assist. Initial Consumer Rebuttal /* (3000, 11, 2014/12/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like to close my account with no cancellation fee because, as I advised **** on the phone, I am no longer operating my business. However, I am not accepting the response simply because I want clarification on the process and make sure I am on the same page as CPAY, as I was advised by the BBB representative. **** stated on the phone I had to prove that I no longer had the business. As I expressed to him, I am not sure how to do so. I am a sole proprietor with no employees and not even a tax identification number. I work alone and file business expenses with my personal taxes. The only thing I can think of is to cancel my business bank account and show proof of such once the refund from Central Payment has gone through because, at that point, I will not need it any longer. I am pregnant and unable to continue operating the business. I want to cancel my account as *** ********* my initial Central Payment representative said I could, because I am not running the business. That would mean I would not have to pay the cancellation fee as offered above. So again, the terms are agreeable in the sense that I want to cancel without a cancellation fee because I am no longer operating as a professional and now stay at home with my son. What I "disagree" about is I just want clarification because I have no way of proving so, other than closing the bank account once the refund I was promised is issued, and trying to provide proof of such. Final Business Response /* (4000, 15, 2015/02/04) */ 2-4-15 Sent via email: I've read ********'s response and your email. I understand according to the numerous websites online that the business is still operating and her voicemail also still also states her name at ******* ******* If *** is currently not operating due to her baby being due, no problem, we can definitely place her account on "Hold" status rather than closing while under contract until she is ready to resume her business. While the business is on "hold" there would be no monthly fees. Furthermore, I can even go back and issue the four months of non-compliance fees. As you can see there are several options that we have presented to ******** in all situations she has presented and we are still more than happy to accommodate her needs. I hope that we are able to make this work out for *** as easy as possible for her as we definitely do not want to cause any stress. I do not mind contacting *** directly once more if necessary, or she can feel free to contact me directly via phone or email as well. Thank you, **** ******* Director of Merchant Relations Central Payment (P) XXX-XXX-XXXX Ext. **** (F) XXX-XXX-XXXX ********@cpay.com www.cpay.com Final Consumer Response /* (2000, 17, 2015/02/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) I agree with the offer to close my account with CPAY with no charge. I no longer am running my business, but in fact now stay at home with my son, home-schooling him, and am no longer self-employed. I will continue my role as a stay-at-home mom and will be homeschooling my oldest even after my next child is born. As stated in CPAY's initial response, the offer to close my account with them if I am no longer running the business is acceptable to me. I accept the offer to close my account without paying anything further. I will be in contact with **** today (2/10/15), which he stated to me in an email to me last night, 2/9/15. I can additionally forward the personal emails that have been sent in the past week regarding resolving the problem between **** and I. The emails explain that I had simply forgotten to seek out and delete the websites that had the ***** B's listings on them and had forgotten to change my voicemail. I have unlisted the info/listings for Sweet B's as far as it is in my control (e.g. Yelp only lets me delete the info on the page, not the actual listing), changed my voicemail, and changed my Facebook page to state it is simply a photo-journal and no longer a running business serving the public. I had deleted my website well over a month ago in December (12/2/14) as a result of me closing down and simply had forgotten to tie up these loose ends, which are now taken care of. I am looking to resolve this issue with CPAY and go our separate ways peacefully and respectfully. I will forward the emails I spoke of above to make sure I provide the most information as possible and will report any further conversations with **** or any other CPAY representatives I have in the coming days.

2/6/2015 Advertising/Sales Issues
1/22/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was promised my credit card processing fees would be cut in half in order to get my business. They lied I was cold called by this company, and after providing them with my fees from my previous processor the agent (********) said they would cut my fees in half. After my first months statement from them my fees went up from my previous provider. I called ******** and he promised to have them reduced, and the difference refunded to me. My fees were never reduced, and I never had any fees refunded. I called him multiple times after, and have yet received a call back. I then received an email from a woman named ****** from central payment. She said she would try and fix the issue. She never did, and now multiple attempts to contact her have failed. I called on the 13th of jan to cancel my contract due to their lack of honesty, and I was told I would be charged $550 to cancel. I told them they did not honor their contact therefore I would not pay that money. They then proceeded to tell me that I would be reported to collections. The agent ******** then said she would talk to her supervisor to see what could be done, and they would have an answer to me by January 15. No answers! I will not tolerate this any more. They threaten me after being completely dishonest to win my business. They need to cancel my contract with them immediately. No fees, no more questions.

Desired Settlement: This company needs to cancel my contract immediately with NO FEES. I will escalate this to the Wyoming Attorney General if they refuse.

Business Response: Initial Business Response /* (1000, 5, 2015/01/19) */ Mr. ******** expressed his concerns. As always CPAY tried to provide a solution from our corporate office since he was not receiving assistance from his local representative. Mr. ******** was adamant on cancelling his service. CPAY has already agreed to release him from his agreement as a courtesy and his account has already been closed as well. Initial Consumer Rebuttal /* (2000, 7, 2015/01/21) */ (The consumer indicated he/she ACCEPTED the response from the business.)

1/21/2015 Billing/Collection Issues
1/2/2015 Delivery Issues
12/19/2014 Delivery Issues
12/16/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This business is scam Sale person ***** *** XXX-XXX-XXXX set up an account for us with promised lowest rate with no contract. He told us to call him with any issue even if want to cancel the account. However, it turns out the fee for this company is way too high. I contacted the sales person to cancel the service. He did not pick up calls. I left serveral messages for this person. This sales person is unreachable and never return calls. Central Payment keeps charging monthly fee. I contact Central Payment customer service to request the refund. They refused to offer me refund. I asked for the CEO phone number. The customer service representative not only did not provide me the contact info but also threaten me that will not issue or cancel the account for me. Somehow I got to talk with the head of the department called *****. He promised to issue me refund if I agree to see him. I agreed to see him. He wanted to see me 2nd time but he failed to keep his schedule and he never called me back or refund any of my money. I believe this business is a scam. I don't know how this business accredited with BBB but I 100% will not recommend this company for anyone. This company practice is unethical.

Desired Settlement: I want my 3 months refund back May June and July. The head of the department ***** promised to refund me. He scheduled to see me but came in late. And schedule 2nd time but did not make it and never heard anything from him since.

Business Response: Initial Business Response /* (1000, 11, 2014/10/07) */ **** personally visited this client, furthermore we offered reductions and demonstrated how we could assist. ******* **** has placed a complaint with the BBB with no merrit. Furthermore ********* account has been closed since 8/8/14. Initial Consumer Rebuttal /* (3000, 13, 2014/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did stay in my statement **** visited me one time. **** then requested to see me again because he said he could offer me lower rate. I agreed to see him 2nd time. However, he failed to keep his schedule. He called me on the day he supposed to see me with the reason he could not find parking. I then schedule to see him different day. Again, he did not show up. And, I have not heard anything from him since. **** failed to keep his schedule twice. Therefore, it makes me think that this company is seriously a scam. I requested to cancel my account because I no longer trust this company, and I wanted my refund. The customer representative threaten me over the phone that he would not close my account if I keep asking for the CEO contact information. I then stop asking for the CEO contact information to please the customer representative in order for my account to be closed. I do not mind to sign a release form to release a conversation with this customer service rep. All of this incident happened because the unprofessional manners of both employees: the sell person - ***** **** and head of the department - ****. ***** *** did not answer any of my calls. **** failed to keep the schedule. I am a client and I do not have any responsible with any of the company's employee. Because I did not hire any of these people. Therefore, if the employees did wrong, the company has to have responsible for that, not me. If ***** *** had answered his call to solve my concerns then I would not have to file a complain. I want the company issue the refunds for 3 months May, June and July. Because this incident was not my fault. This is the employee's unprofessional manners. The company has to have repsonsible with those employees, not the clients. In addition, there are many complaints file against this company with similar reasons. And, the complaints happens quite frequently every 2 months. It even makes me thing that this company is a scam. I want my refund back for May, June, and July.

12/6/2014 Advertising/Sales Issues
11/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Sales person has not contacted us after sale and has not delivery on all item agree upon Sale person will not call us back we have a system the we can't fully use

Desired Settlement: End our contract without penalty

Business Response: Initial Business Response /* (1000, 11, 2014/11/03) */ CPAY has reached out to Mr. *******. He expressed his concerns and has agreed to allow CPAY to assist in light that his local representative is unavailable. We will have local support provided to Mr. *******. We will also comp him equipment so that he is able to accept debit transactions. Initial Consumer Rebuttal /* (3000, 13, 2014/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) They still have not sent anyone over to setup equipment even after the promise they would. I Just want out of the contract because this is at terrible company to do business with. Final Consumer Response /* (2000, 20, 2015/04/16) */ 4-16-15 Wireless wizards <*************@gmail.com> Yes it has thanks Sent from my iPhone

11/24/2014 Delivery Issues | Read Complaint Details
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Complaint: An account executive for your company committed fraud by changing the terms of a contract with liquid paper after I signed it. Account executive ******* ******** approached me about an account with Central Payment. He offered me a no contract account. When I received my first few statements, I was not happy because it was not what I was quoted. I was also being charged a monthly PCI non-compliance fee even though I had filed out the form online with a customer service rep. I decided to cancel my account and called Mr ********* He was extremely rude and unprofessional, and told me to send him a letter and that he would forward it on. I didn't trust him, so I called customer service myself. That's when I discovered that I was in fact in a 3year contract, and there would be a $550 fee charged to my account. I explained to the customer service manager that I was not in a contract and that Mr. ******** had me write "month to month" in a box on page 2 of the contract which had printed lines on it. The manager was rude when I told him that I would contact the BBB and file a complaint. He said" go right ahead, we have 60,000 clients, we don't care." So in the mean time I emailed Mr. ******** told him what I learned and asked him to honor his word and do the right thing to resolve this situation. He called and said that I was month to month and that he would cancel my account and do the right thing. I received my copy of the contract and discovered that Mr. ******** had used liquid paper and changed the "month to month" and wrote over it to say into 3yr. contract. It is obvious that it was changed because the hand writing is different from mine and the pre-printed lines were missing. That is fraud! I called and spoke to another manager and explained to him what had happen. He told me that only I could cancel my account, so it was still active. Another lie from Mr. ********* He like the other manager backed Mr ********* said that they would investigate, and call me back but they never did. My next complaint will be the Texas State Attorney general(since that is where the business took place) consumer protection division. my merchant account # XXXXXXXX

Desired Settlement: I don't Mr. ******** should be allowed to legally get away with this behavior. Since he has committed Fraud.

Business Response: Initial Business Response /* (4000, 17, 2014/11/10) */ Mrs. ********** expressed her concerns and we have waived said fees in October. Final Consumer Response /* (3000, 12, 2014/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Cpay has stated that they have closed my account with no further charges, but I just received a second notice from their collections department saying that I owe them money. I called them last month and this month, but no one will return my call. If they send me into collections, I will be forced to contact the attorney general and report fraud. The terms of the contract that I signed were changed after I signed it.

11/21/2014 Delivery Issues | Read Complaint Details
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Complaint: I was signed up for a new processing company unknowingly. The rep from Central Payment came to my business (he previously worked for Merchant Services, whom I used as a processing company through him) he stated I needed to upgrade my machine to comply with new laws. He also stated that since I was a good customer I was eligible for a rate decrease. I agreed since I had worked with him before, I assumed he was with the same company and just keeping me updated on everything. It turns out that he was in fact with a new company, Central Payment, and I signed up for a new processor. I still have a contract with the old processor and a cancellation fee of $400. I now have another contract for another 3 years with Central Payment that includes a cancellation fee of $550. I am also now "Leasing" 2 machines at a monthly rate of nearly $100. I do not wish to do business with a company that uses trickery and employs representatives that do this to small business owners like myself. Neither company will help me in any way, and I am stuck paying two monthly bills, leasing 2 machines, or having to pay $950 in cancellation fees. NOT GOOD!

Desired Settlement: I want to cancel with no fees! I want my money back for the new machine I was told I needed, and have been "leasing" from this company.

Business Response: Initial Business Response /* (1000, 8, 2014/08/26) */ Central Payment management spoke with ******. ****** expressed her concerns. To date ****** is still processing with CPAY, but stated she has signed up with another provided. CPAY is still more than willing to assist ****** with her needs. At this time she has decided to use another processing company. ****** and CPAY mutually agree on a reduced cancellation fee. Initial Consumer Rebuttal /* (3000, 10, 2014/08/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) When my new company tried to reprogram MY machine so we could start processing with the new company, Central Payment locked the machine...I cannot process any credit cards...they won't unlock the machine until I send it back to them with a fee of course, stating I was responsible since I let my new company "tamper" with equipment running CP programming. By law I own the machine, (Central Payment DOES NOT)I should be able to have any processor I choose, without fear of losing my machine. I am completely unable to process any cards, I know own a $895 paper weight. Since my business is at least 50% credit cards, I am experiencing a significant loss of income daily. This is a nasty response to a client who decided to take their business elsewhere, based on poor customer relations to begin with. I am absolutely floored that a company in this day and age would use tactics like this. They have put me behind thousands of dollars, and I do not appreciate it. They will hear from my lawyers.

11/19/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Central Payment is taking fees daily when it should be once a month. Central payment corp stated that as April 1, 2014 our company was on monthly fee deduction. Yet and still they continued to take fees daily which in turn created over draft fees that they refuse to reimburse our company for. Have spoken with ********* on 7/17/2014 and she stated that it wasn't her companies problem. They fail to take responsibility for the mistakes that their company has made. And we should not have to cover the price for their mistakes.

Desired Settlement: We just want them to cover the overdraft fees that our company has incurred as a result of the daily fees being taken out even after they put us on the monthly fee deduction.

Business Response: Initial Business Response /* (1000, 11, 2014/08/26) */ CPAY received statements from this customer. The statements were already reflecting overdrafts not caused by CPAY. CPAY is willing to assist with some of these as a courtesy, however we cannot cover fees not caused by Central Payment. Initial Consumer Rebuttal /* (3000, 13, 2014/08/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) Cpay is responsible for any and every overdraft that was caused by their company. We are not worried about the overdrafts that we created as we are not asking them to pay for those. And seeing that our account was suppose to be on MONTHLY fee with-drawls and Cpay kept taking out daily fees. We would have had maybe one as opposed to 6 or 7. Cpay refuses to accept their part in the matter by throwing blame at everyone else, but refusing to accept responsibility for their actions. Bottomline they created a bigger problem by not sticking to their end of an agreement because for some reason they couldn't get their system to update that our account was a monthly fee account. We just want them to take care of the fees that they caused.

11/19/2014 Problems with Product/Service | Read Complaint Details
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Complaint: False Advertisement & False sales technical skills Central Payment sent a sales man who has criminal background with following charges: Aggravated Indecent Liberties,GE14less than 16,Sex Intercou, & Aggravated Criminal Sodomy; Child less than 14 How i found out, I gave the application and needing help to set up, but sales man couldn't help me and called customer service, it took hours on the phone, and problem is still there. I request to close the account, and they said there is $550 early termination fee. I am very upset with them sending a criminal person took all the private information.

Desired Settlement: I just want to close the account without early termination fee, if they are going to refund the money fine, otherwise keep it, I will not be poorer.

Business Response: Initial Business Response /* (1000, 7, 2014/10/30) */ Mr. *** opened two accounts with CPAY. He did not use one account. As a courtesy, CPAY has agreed to waive the Early Termination Fee in light that the account was not utilized. Mr. *** has agreed to continue processing through CPAY on his second account and his concerns have been addressed and resolved.

11/19/2014 Problems with Product/Service | Read Complaint Details
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Complaint: The sales representative lied about fees and contract agreement On the first days of this year 2014, this representative named ******* in ******* *******, claiming many of the things that this sales representative promise at the time of acquiring this service, were lies, fees, lies about cutting by half my prior service, lies about getting referrals, I am spending more than 3% of fees than what we agreed??? I just want out of this company!!!! I am very disappointed for the outrageous fees charged for their services.

Desired Settlement: I just want simply out of this comapny, there are better fees with other companies.

Business Response: Initial Business Response /* (1000, 8, 2014/10/31) */ We have attempted to reach Mr. ******* to address and resolve his concerns. We will continue to try to get in touch with him. Until recently, Mr. ******* has been using CPAY for his credit card processing. Mr. ******* has not contacted our office to voice his concerns. CPAY is more than willing to make any necessary adjustments to his rates to ensure he receives the best possible pricing.

11/13/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: My business used Central Pay Machine three days, I canceled as quick as I could and got charged $550 for canceling. Central Pay refuses a refund. 13 August - Central Pay credit card machine installed in my "**** & ****" business. 18 August - Machine sent via UPS back to Central Pay. 25 August - Machine received by Central Pay. 19 September - Routine follow-up call reveals I have to formally request cancellation via email, which is done. 30 September - Close out statement from Central Pay charges $27 for low sales volume. When I call, I'm assured the account is canceled and there will be no further charges. 28 October - I'm charged a $550 "cancellation fee."

Desired Settlement: Refund of $550 and formal written assurance that my account is cancel and "***********" is purged from Central Pay customer database.

Business Response: Initial Business Response /* (1000, 5, 2014/10/31) */ CPAY corp waived the cancellation fee for this account. We obtained information that iPayment charged this cancellation fee when the account was closed. We have instructed iPayment to issue refund right away as Central Payment had already waived this fee. We attempted to contact the customer to apologize for this mistake. The credit will be issued in full. Initial Consumer Rebuttal /* (3000, 7, 2014/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of 5 Nov 14, the $550 refund has not yet posted to my BofA account and until it does, I will not consider my complaint resolved. Once it does post, I will promptly accept the response. Final Consumer Response /* (2000, 12, 2014/11/13) */ The $550 refund has been posted to my account and I regard the complaint resolved. Thanks to all for their part in successfully closing this issue.

11/12/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Unauthorized charges to my bank account. (Money taken out without my knowledge) I was visited at my business by a representative of this company. I told him I was interested in the service. He said he would be back next week. He didn't come back for 2 months. When he did I told him I was no longer interested in the service. (This all took place in May and June). In July I received a billing statement and charges to my account were taken out in the amount of $19.50. I called the company and they told me to write a letter of cancellation. I did and sent it in August. I received another billing statement October 17th for more charges to my account. (The money is automatically withdrawn). In the amount of $35.45. I called the company again and they refuse to reverse the charges and stated I would be charged again this month! Help!

Desired Settlement: I would like the account cancelled, $54.95 returned to my account, and written confirmation that this has taken place. I have NEVER authorized them to take money out of my account. And for this company to not take any more money!

Business Response: Initial Business Response /* (1000, 8, 2014/11/05) */ Central Payment received the merchant's cancellation letter. ****** signed a merchant agreement to process through Central Payment. Central Payment agreed to cancel the account with no Cancellation fee as a courtesy. ******'s account is closed. Initial Consumer Rebuttal /* (2000, 10, 2014/11/12) */ (The consumer indicated he/she ACCEPTED the response from the business.)

11/6/2014 Problems with Product/Service | Read Complaint Details
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Complaint: The salesman is a liar and misrepresented himself as being affiliated with Wells Fargo. This salesman came to my business and represented himself as affiliated with Wells Fargo. If it weren't for that I would have ended the conversation right then. Subsequently we negotiated a credit card processing deal which he said also included a $15000 line of credit with Wells Fargo.Something I don't need but would have been nice to have. This salesman said he would come in my shop and reprogram my point of sale system and get everything operating. That his company would do a buyout from the point of sale company I am presently using. So a credit card processing device comes to me via Fed Ex and I get a phone call to call an 800 number to find out how to hook it up. This isn't what the salesman told me he would do. I am not computer savy and I don't even know if this machine is compatable with my point of sale equipment. I have called the company 3 times and still have no results or contact from the salesman. I feel like my next step will be to call the NC Attorney General's office and lodge a complaint there. I am also going to contact Wells Fargo and inform them that this company has a salesman presenting himself as a representative of their company.

Desired Settlement: I want this equipment removed and the contract to be made null and void. If they have done anything to interrupt my service with my present card processor then I want it reinstated also.

Business Response: Final Consumer Response /* (2000, 14, 2014/11/06) */ 11-6-14 Sent via email: Yes, thank you for your help. Their representative called me today and agreed to cancel my contract with them. They appear to be a very reputable company. My issue was with the salesman that misrepresented the company and their services, however I will not be doing business with them in the future.

11/6/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Mr. ***** ***** verbally misrepresented terms and fees involved in Central Payments Services, and sign an Ipad based on his verbal communications Merchant ID XXXXXXXXXXXXXX; Mr ***** ***** Account Representative did not disclose all fees involved with the credit card service. He verbally advised only 2 fees. One of $75.00 annual fee which would be waived the first year and a transaction fee of 1.51% of each credit card transaction. He was looking at an IPAD out of my view. After disclosing only these 2 fees. he moved the iPad around for me to sign with only a signature line viewable. He advised the only funds taken out of my business account would be the 1.51% of each transaction and no equipment or shipping fees at all. On 05/15/2014 Central payments began taking various fees out of my account. The equipment had never been activated or used. I contacted ***** by phone and was told not to worry about it he would get me a credit (which they did) On June 2nd there were 2 more charges, June 17th another charge. June 24th another charge June 30th another charge, July 2nd another charge, July 10th another charge. These charge were all refunded to me. Again none of the credit card equipment was ever used or activated and the account was never set up to be used because my retail store wasn't open for business yet. On July 22, 2014 I called central payments and advised some background research on ***** ***** revealed previous fraud type activity and that I was mislead and want to cancel the account. They said I had to do this in writing and via fax. I did that on July 22, 2014 and advised them to have somebody to pick up their unopened equipment. By July 31st 2014 the equipment had not been picked up so I emailed them again and advised the account was closed on July 22, 2014 and to pick up the equipment or send me a UPS tag and I would return it. No response from central payments. On August 4,2014 Central payments tried to withdraw 48.95 from my account. My bank stopped the payment and advised me to file a police report, which I did. On July 25th I received a letter from their collection agency stating I owed 48.95. I called them on 08/27/2014 and spoke to a male person. He advised I owe that because even though I cancelled the account it took several weeks to close it. I advised him of all the problems. He said it wasn't there fault I signed a blank contract and I am liable for early termination fees. I advised him in detail of how I was scammed in front of witnesses. No resolution was reached and I told him I would contact the BBB of their practices. I trusted what their employee ***** ***** verbally told me and there was nothing but a blank screen on the IPAD that I signed and there was no verbiage for me to read. He said it wasn't is fault I signed a blank screen. They have tried to charge me hundreds of dollars (close to $1,000.00) for an account that was never activated or used. As I was preparing to submit this to the BBB, ***** ***** called me on my cell phone. (XX-XX-XXXX) He said to not send this to the BBB and he would take care of everything and cancel the account without penalties. He said he would call me within 24 hours to confirm. I never received a call back from *****, but did receive a voicemail from Central Payments to call them (**** ******** I believe, couldn't understand him on the voicemail) I returned the call and left a message for him to call me and never received a call back. Again the service was never activated and the equipment was never used. I would have never agreed to anything except what was verbally disclosed due to the fact I was already set up with credit card service at a much cheaper rate.

Desired Settlement: I want them to cancel my account without any charges or penalties and if they would like to have their equipment send me a UPS or shipping tag and I will gladly return it. I was scammed from the beginning by a person that has been in legal trouble in the past that works for them and have hours and hours on the phone talking to them and taking away from my work. The agreement was very improperly disclosed and I was never given the opportunity to read anything. When I signed the Ipad it was only a blank screen with a signature box. I questioned ***** ***** and he said I was signing acknowleding the 2 fees of 75.00 per year and 1.51% of each transaction and at no time disclosed this was a contract or any of the other dozens of fees that Central Payments tried to charge me.

Business Response: Initial Business Response /* (1000, 8, 2014/09/24) */ We have reviewed the situation at hand. ****** did not use his account because he refused to activate, despite the numerous attempts made by our support team to assist. Instead called and was verbally abusive to at least one team member and continued hanging up on even a supervisor. Although there is no fault from CPAY, we did waive the cancellation fee upon closure of the account, which is a legitimate fee. ****** needs to return the equipment to CPAY in order to avoid fees for non-returned equipment. Initial Consumer Rebuttal /* (3000, 11, 2014/09/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company's representative ***** ***** did not disclose any of the numerous fees from CPAY and I have spent over 40 hours of my time dealing with the money taken out of my business checking account by CPAY that was not authorized. ***** ***** told me when he asked for my business checking account number that was for deposits only and any charges from CPAY would be deducted from the credit card swipe. He never said money would be deducted from my checking account for any reason. They started taking money from my business account long before my store was open. ***** ***** dropped off their equipment and it was never opened. I am also getting letters from their collection agency for $48.95 on an account that was never activated. CPAY needs to have their representative ***** ***** pick up the equipment he brought to me, or email me a UPS or FEDX tag and I will gladly return it. The collection account needs to be retrieved by CPAY because again the account with CPAY was never activated. I have owned businesses for over 20 years and have been warned about companies like CPAY using Non-Disclosure tactics to lure in customers. I have lost too much money due to the time spent dealing with a company that will not listen to reason or understand non-disclosure. If this is not resolved immediately on the above listed terms I will put it in the hands of my Corporate Attorney. I contacted the BBB as the first step in a resolution.

11/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: A rep for Central Payment explained and offered a flat rate of 1% on all my credit card transactions which turned out to not be the case. Cancellation of Central Payment Account # XXXXXXXX On or about March 1, 2014 ****** ****** a sales representative for Central Payment came to my office and explained that recent changes in legislation allowed small business owners to receive the same low rates as large retail businesses, such as Costco and Starbucks. That rate would be a flat rate of 1% on all my credit card transactions. She looked at some of my current credit card processing statements and told me that instead of various rates being charged per transaction it would only say 1% for ANY type of card used, other than American Express. She told me that she could lower my monthly credit card processing fees from my current processor. Ms. ***** returned on March 7, 2014 with a contract. She misrepresented the terms of the contract, she emphatically stated again that I would be saving money and that my credit card percentage would be 1%. Ms. ***** never mentioned or explained ''IC +''. I received my first billing statement for March and upon reviewing it, it was clear that I had been duped; I was paying 1% on top of another percentage for processing credit card transactions. When I contacted Central Payment, they said that I should have read the fine print on the contract. I left several messages with Ms. ***** and my calls were never returned. In the meantime, I received an email stating that I had to process credit cards exclusively through Central Payment. On April 7, 2014, I spoke to ******** ********** an account manager at Central Payment who stated that I may not use any processing service other than Central payment, and that if I didn't resume processing I would be charged with an early termination fee. He confirmed this with an email. On June 19, 2014 I spoke with ***** at Central Payment and informed him that I would like to cancel. He replied that I would have to write a cancellation letter stating the reason for cancellation and fax it to them. When I stated that my reason was the misrepresentation of the charges by the salesperson, ***** transferred me to *******. When I repeated my reason for cancellation, ******* said that there would be an early termination fee. When I said I would complain to the Consumer Protection Agency, he threatened to have me blacklisted from credit card processing so that I wouldn't be able to process credit cards with my current processor or any other processor ever again. When I asked if he was threatening me with retaliation, he denied it was a threat, but implied it was a certainty. I've been subjected to tactics of lies, threats and coercion; it's certainly no stretch of the imagination to assume they are capable of fraud as well. On June 28, 2014 I sent a cancellation notice to Central payment. This company must be stopped. They have deceptive marketing practices and prey upon small businesses who cannot afford to defend themselves. And I feel certain they intend to blackball me for future processing, which I beg you to help me prevent.

Desired Settlement: Cancellation of services with no fees.

Business Response: Initial Business Response /* (1000, 5, 2014/07/02) */ The information ******* has provided is not accurate. ******* was set up exactly as stated on his merchant application and agreement. CPAY will provide a copy of this as well. Furthermore ******* verified the agreement with our underwriting department before the account was setup. On the Schedule of Fees section you will see that he was set up with Interchange plus 1% and .15 cents per transaction. He also placed his initials accepting any special arrangements made between he and his representative are to be placed in the Special Instructions section. There was no mention of a "flat" 1% and no Interchange mentioned. ******* also initialed stating that he understands the rates on the Schedule of Fees section. When ******* contacted CPAY about paying ONLY 1% he spoke with representative who explained how Interchange pricing works. It would not make sense for any business to sell its product under cost. Nevertheless, despite the rate placed on the agreement, representatives still offered to adjust the account to accommodate *******'s needs. Unfortunately he has declined all assistance and is now attempting to use the BBB as a way to be released for a legitimate agreement he signed. CPAY management attempted to contact ******* on several occasions, a voicemail is not set up and there was no answer. CPAY is still more than willing to assist ******* so that he may honor his agreement with CPAY. CPAY will continue to attempt to get in touch with ******* to further assist. Initial Consumer Rebuttal /* (3000, 7, 2014/07/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) Interestingly, nothing in the company's response answers my complaint, which is they have a salesperson who came to my office and gave me a full misrepresentation of the costs. Not only did she promise me a flat 1%, she went through my monthly bills and showed me that it would be less expensive. Their bill was in fact significantly higher. When the underwriting department called to make sure that I understood the contract, the subject of the "IC" rate never came up. The unsigned response from CPAY asks why a company would sell services under their cost. The answer is that they wouldn't, but they would certainly promise a lower priced service and then charge for a higher one. It's so common, there's a term for it: bait and switch. There are laws against it. And by the same token, I could as easily ask why I would agree to sign on for a service that will cost me significantly more than my current service? The whole scenario beggars the imagination. Whether it's a systematic practice of the company or the fault of one rogue salesperson, it seems to me that CPAY got caught with their hand in the cookie jar and is trying to avoid the consequences. The astronomical number of complaints in their Better Business Bureau file should serve as some indication of their standard of behavior. When I spoke to *******, he asked for my address to send me a return authorization for the return of the equipment. I gave it to him, and to date I've never received it. When they asked how they could fix this, I said they could give me the price their salesperson promised; the only solution I can think of is that they reduce my total ACTUAL processing costs - all inclusive, regardless of incomprehensible abbreviations - to below that of my current processor. Otherwise I see no reason to change services, and I certainly am not going to reward their dishonesty with a termination charge. Failing the acceptance of my offer, they can send me an authorization and I'll return their equipment and we will be finished. ******* ****** L.Ac.

11/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: A sales agent from Central Payment signed us up for 2 companies at one time, and failed to disregard Central Payments application, cant get reimbursed One of the salesmen who works for CP came to us and we switched our CC processing, however he signed us up for 2 different companies and they have been withdrawing money from my bank account. There has never been a transaction with Centreal Payment but they refuse to stop. Have called 2 times and they have agreed that they **** stop if I send in a cancelation letter but with no reimbursement.

Desired Settlement: Full refund for all months collected.

Business Response: Initial Business Response /* (1000, 10, 2014/08/14) */ ******* signed an agreement with Central Payment for credit card processing. CPAY complied, activated his account and made the service available to him. ******* did not voice his complaints until July. As a courtesy CPAY agreed to release ******* from his agreement and closed his account with no early termination fee. Initial Consumer Rebuttal /* (3000, 12, 2014/08/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) The sales person who works for Central Payment also had him sign another agreement the same day for another plan and did not terminate the first. We are still in contract with Sterling, the other plan the same representative signed us with. He did not cancel Central and we did not know there was two plans activated. I am sure they are saying they didn't hear from us but I called several times. We would like a refund due to their salesman signed us up for two companies on the same day.

10/31/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: On August, XX XXXX, Central Payment regional manager, ***** ************* came to my office, stating that he could save me money on my credit card processing. I was told that I could try Central Payment for a 1 month, commitment free basis. After that month, I could either switch to Central Payment, or stay with my current provider. Chris had me sign several documents. He explained to me that I was authorizing Central Payment to process my transactions. ***** explained to me that he would be ordering the equipment that I needed to swipe the cards, and that I would be receiving them by the next week. On August 27th, Central Payment debited my account $3.44 for the sales tax of the equipment. On September 2nd, Central Payment debited my account $18.85 for the delivery of the equipment. Then again, on September 2nd, Central Payment debited my account $8 for a monthly fee. I had yet to receive the equipment, but was being charged for the equipment, and for services that I couldn't receive because I had no equipment. I contacted *****, and he told me there was a delay in the delivery, but he would have them to me by the 5th of September. On September 9th, I still hadn't heard from *****, nor I had I received my equipment. At this point I decided to call it quits with Central Payment. I called ***** twice, but he wouldn't answer. I then called Central Payment customer service, and that's when I was told that I was locked in to a 3 year deal, and that it would cost me $500 to cancel. I finally got a hold of ***** later on September 9th, and told him that I decided to not go any further with Central Payment, and what the customer service agent had said to me. ***** said not to worry, and that I was not locked into a contract. So, on October 3rd, Central Payment debits my account twice, in the amounts of $17.50, and $25.00. I have called and left messages every day this week, along with writing ***** an email. He has yet to respond. Product_Or_Service: credit card processing

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like Central Payment to discontinue debiting my account. I have never used their service, and I never will.

Business Response: Initial Business Response /* (1000, 5, 2014/10/15) */ CPAY management spoke with ****. He expressed his concerns and provided information on closing his account. **** did sign agreements with CPAY for processing but did not leave room for our corporate office to assist. **** stated he did not speak with a manager at our corporate office, otherwise an exception could have been made to better accommodate his needs. **** has the closure process information and CPAY will waive the cancellation fee.

10/24/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Sales rep gave completely false information just to get us signed up and under contract. They do not want to let us out of contract even after lied. In early June a Central Payment sales rep by the name of ***** ****** came in to the barbershop I am employed at. He was trying to get us to all change our credit card company over. He asked how much we were paying in monthly fees. We told him around 40 bucks. His response was, "Oh I can have you paying just 20 bucks a month with the small volume of transactions you all do." He then said that they would cover our cancellation fee with the other company which was 500.00. He was very pushy about getting the contract signed and out the door. Before he left he stated he would take care of canceling all of our stuff with the previous CC company we were using. When I got home my wife looked over the contract and told me that it said something about a 25.00 minimum charge. I called him the next day and asked him about it and he said since my volume is so low that won't pertain to me. Well July 2nd comes around and our bank account is hit for the 38.01 from the previous CC company and 36.54 from Central Payment. I was very angry when this happened because for one ***** stated he would handle canceling the previous company and my fees with central were only supposed to be around 20 bucks. Especially since I had only used the new machine a couple of time for small amounts. After that happened I tried to call *****, actually all the guys from the shop did. He didn't answer for a day or two. When he finally answered on 6/7/14 he said he was on vacation in ******** and would call back to handle everything when he got back. A week passed and he never called back. I called the central payment customer service and spoke with ******** ********* on 6/14/14. I informed him of what was going on. He emailed me a paper that he said I would need to fill out to cancel service. He also stated that ***** had ALOT of complaints on him already. When we hung up I checked my email and it was to cancel service with the previous company since ***** never did that. I checked with the original CC comp we were using and it was a 500.00 cancellation charge. My wife called back on 6/22/14 and spoke with ******* and told her the whole situation and ******* looked up the agent ***** in the system to place a complaint and her words were "Oh wow, he does have a lot of complaints." My wife told her that in our eyes that should be breach of contract since he was going around lying to everyone. She stated that she agreed. She also said they would cover 250 cancellation charge with the previous comp when ***** said it covered the whole cancellation charge. She stated we would need to call back that evening when I get home from work and have me speak with a supervisor. I called that same evening around 7:30 and was told all the supervisors leave at 5. Not sure why I was told to call back at that time if there weren't going to be supervisors there. I called back on 6/23/14 and was transferred around about 3 times until I spoke with *******, a supervisor. I explained the whole situation to him and how ***** fed nothing but lies just to get us all to sign up and that I want out of my contract since he did not follow through with his side. He said all I can do was apologize but that what's done is done. I said so you are just going to let an employee keep working for you and feeding lies to people and then screw them over? He said well yes he is still employed here and all I can do is apologize. I then told him I already had two people tell me he has tons of complaints on him. He said who told you that. I said Fernando told me and ******* told my wife. He said well once again all I can do is apologize. So that is how our call ended. I think it is very unprofessional to have a Sales Rep going around lying through his teeth just to make commission. Then hold the customer responsible for his lies while he has complaint after complaint and is still employed! All I want is out of my contract. I am not asking for anything else but that.

Desired Settlement: I want out of the contract that we were only under for 2 weeks before all the lies started coming to the surface. Maybe some of this was stated in the contract but all four of the barbers at the shop can verify that everything he said was a lie. Even when I called to ask him about something in the contract he said oh that doesn't pertain to you because your volume is so low. I do not want to have to pay 500.00 to them to break a contract that was never explained correctly in the first place. Especially when I know for a fact he has a lot of complaints in their system. Thank you for your time.

Business Response: Initial Business Response /* (1000, 12, 2014/08/26) */ CPAY has attempted to get in contact with *******. While there is no fault on CPAY's side, we will close *******'s account as a courtesy. Initial Consumer Rebuttal /* (3000, 14, 2014/08/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) Close my account as in not charge the 700.00 that has already been biiled to me? I received a bill the other day from Central Payment for over 700.00 so until I receive something saying I will not be charged those fees that I have ALREADY been billed for I will not accept the response. And as far as CPAY not being at fault. Your employee that has a ton of complaints on him is at fault.

10/23/2014 Problems with Product/Service | Read Complaint Details
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Complaint: This company charges a monthly fee and will not respond to requests to close my account. This company processes credit cards. They deduct at least $39.oo a month from my bank account. I have tried repeatedly to close the account and they say that their cancellation department will call me back but they never do.

Desired Settlement: Closure of my account.

Business Response: Initial Business Response /* (1000, 10, 2014/10/07) */ CPAY has attempted to contact ***** on multiple occassions to assist with addressing his concerns. CPAY contacted Mr. ********* at the number provided to us through his complaint with the BBB and left detailed instructions on how to cancel his account as well as a direct contact phone number to reach if he has further questions.

10/23/2014 Delivery Issues | Read Complaint Details
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Complaint: A salesman forCentral Payment came to our place of business,the contract was for 1% and it has been doctored I have the copies of both contracts mine A salesman for Central payment came in our place of business on or about X-XX-XX and signed me up for a credit card machine. The contract was suppose to be for 1% on transactions and no shipping charges. When I looked at my bank account to check it they took out 3 different charges for $19.95 and 25.95 and then another 20.52. So I called the company about these charges and they gave me the run around and told me that I am paying 3.18% and 3.48% on each transaction. I talked one of the companies people into sending me a copy of the contract and it had been doctored, They are telling me that I have to go by what their contract says. This is fraud so I have went to my local police about this and he has also done this to several other business in Lexington and they will be pressing charges too. I would like to get out of this contract and have my money refunded to me since the have no problem with fraudulent conduct and they are also fraudulent,. ADDITIONAL DETAILS: Case is being handled by another organization: Lexington Tn Police Department

Desired Settlement: I would like to get out of this contract and have my money refunded.

Business Response: Initial Business Response /* (1000, 10, 2014/10/07) */ CPAY management spoke with Miss ****. She expressed her concerns and allowed CPAY to make the appropriate adjustments to her account to accommodate her needs.

10/20/2014 Delivery Issues | Read Complaint Details
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Complaint: I want to cancel my credit card processing with Central Payment. For the past 2 months, my request had been ignored and I'm getting charged. Merchant ID: XXXXXXXXXXXXXX DBA: China Feast I am writing this for my parents who cannot write English well: I contacted my vietnamese sales rep to end my no-cancellation fee contract with Central Payment. He told me to call Central Payment ourselves and do. And we wouldn't be charge for the next month of September. We did and we chose the Vietnamese language option to speak to you customer service rep. He told us to fax the cancel request and we did. It sent successfully to the number he gave us. We strongly believed it did until we saw our account still being credited the monthly fee and we didn't think too much of it. Until we saw it again for October. We contacted them again through the Vietnamese customer service who said he had no knowledge of us ever talking to them and as far as he know we are still under contract. He told us to refax the same documents to the same fax number. We did and the fax couldn't sent successfully. We contacted them again, and he transferred us to the main English customer service rep. They told us that they have no record of us ever contacting them and as far as they know we were also under contract. If we wanted to get out, send a cancel request to the same fax number that couldn't work for the past 2 months. We just want to cancel. What is it so hard to process our cancel request? Why don't you accept our fax? This is very frustrating to keep getting push around to different reps who have no record of any previous calls. All we want is for the contract to be cancel and for Central Payment to stop billing us.

Desired Settlement: Cancel my no-contract agreement with Central Payment and stop billing my account.

Business Response: Initial Business Response /* (1000, 5, 2014/10/13) */ This client contacted Central Payment to request the cancellation instructions. The instructions were provided as the client requested. Central Payment has yet to receive the written cancellation notice as advised to the client on a couple of occasions. Central Payment has closed this merchant account. Initial Consumer Rebuttal /* (2000, 7, 2014/10/19) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/15/2014 Delivery Issues | Read Complaint Details
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Complaint: The sales person **** Still stated cancelation fees with my current bank would be reimbursed if I signed up with Central Payment. My bank charged me $500 and to this point I have only received $300. I have contacted **** about this many times and still have not got any explanation as to what the problem is.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to be fully reimbursed as **** promised I would be.

Business Response: Initial Business Response /* (1000, 5, 2014/10/07) */ CPAY office had not received any notifications about an outstanding item for Mr. *******. CPAY Management reached out to ****. He discussed his concerns. CPAY had previously credited his account $300 as stated on his agreement in June 2014. **** stated he would like the full amount of $500 covered, not just $300. As a courtesy CPAY's representative agreed to cover the remainding $200. **** has been notified. Initial Consumer Rebuttal /* (2000, 7, 2014/10/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/12/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I had used central payment for my merchant services. I started using this company in March of 2014. I had several issues with their services. Not getting credit for switching over their service. I was told I would be credited for my prior companies charge for cancellation. Their salesman told me if I chose to use their company I would receive 24 hour credit for my money to deposit into my account. This never happened. I was told a month later that I did not qualify for this service, but when I signed with their company I was not told there would be a process to qualify. I also called this company in June 2014 to cancel with them. I promptly mailed their processing machine back to them. Therefore I was not processing with their company. I sent a cancellation letter in writing August 12th. This was after I spoke with their cancellation dept. back in June. I still continue to receive bills even though they have not processed one single transaction for my business since June of 2014. I have spoke with their personnel several times and again faxed another letter today sept.11th 2014. This has been a headache to get resolved. I don't feel I should pay for business that was not processed.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like this company to stop sending statements that I do not owe. They are a shady company and should be investigated on bad business practices. They don't stand behind the what their salesmen are telling the customers in the field. I have no problem paying for what I owe. But when they have not processed one single transaction since the middle of June 2014 I don't feet I should pay them one red cent!!

Business Response: Initial Business Response /* (1000, 5, 2014/09/15) */ *******'s account has been closed at her request through her 30 day written notification. ******* contacted our office in July about having concerns with her account. However, ******* was unwilling to allow our representatives to assist in resolving her issues. The account was closed with August month-end fees credited against her cancellation fee. Initial Consumer Rebuttal /* (3000, 7, 2014/09/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) The bills I keep receiving from this company state I owe processing fees from July, August, September. This company has not processed any business for my comp0any since June when I mailed back their processing machine. I did try to resolve matters with this company. I keep getting different answers from every department within their company. I want them to quit sending statements from months that I obviously had no business dealings with them. I want other small businesses to be aware of their shady business practices before they get involved with this company. I took them for their salesmans honest word and it has cost me dearly and has been the worst experience ever with a processing company. I think there needs to be stricter regulations to protect the small business owner from dishonest company dealings.

10/10/2014 Problems with Product/Service | Read Complaint Details
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Complaint: The salesman lied about the rates and quoted me a monthly charge that was far from accurate. He also begged me for money and free wine. In April 2014 after some very aggressive pitching I decided to switch to central payment. My sales rep promised me a much lower rate on my credit card service (merchant account number XXXXXXXX) but after a full month of service it became apparent that he was a liar and a fraud. Not only did they charge more than promised but the rep himself would not stop coming bye and begging me for money! he said that I owed it to him personally for waiving the 100 dollar application fee (which is customarily waived by these reps). I was very uncomfortable with this but gave him a ten dollar bottle of wine anyways because I thought he was going to save me thousands of dollars a year as he promised. He came back begging for money on several different occasions. I gave him 50$ cash because he insisted that I agreed to that when we signed the contract (I did not, I thought that I gave him the wine as an alternative). The sales rep. also spent a lot of time attempting to convert me to his fundamentalist Christian cult. He even gave me a book to read which I reluctantly accepted in an attempt to get him out of my store. He made me extremely uncomfortable and as a result of this and his misrepresented quote for fees I decided to end my business after I saw the processing fee for 1 full month of service (may 2014).

Desired Settlement: I would like the early termination fee of 550$ cancelled based on the fact that the business agreement was based on a fraudulent quote for services. I also think that the 60 dollars that I shelled out (10 in wine and 50 cash) for him to waive the application fee should be reimbursed as well but I would be happy with a cancellation of the early termination fee. This company put me in a situation where my 1rst amendment rights were threatened and all I'm really asking for is for them not to profit off of it by charging me 550$ for cancelling a contact where they intentionally misrepresented their fees for services provided in order to earn my business.

Business Response: Initial Business Response /* (1000, 8, 2014/09/24) */ CPAY Management spoke with ******, he expressed his concerns and CPAY has agreed not to charge the Early Termination Fee. ****** will try to retrieve equipment from his other company, which he states they took when they converted him from CPAY. ****** has a point of contact at CPAY in case he has further questions or concerns.

9/11/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I was lied to about the monthly charges, obtained a signature from someone that does not work here, rude customer service. I texted the guy who signed me up and he stated that it would be a minimum of $5 plus the credit card charges. That was a lie. Never received my welcome packages. The customer service lady stated that a person name ** ******* signed. I do not and have never had anyone with that name to work here. I never had any employees so I know that was a lie. Never received the actual contract. I wasn't aware of a cancellation fee. I just never realize how a company could lie just to get someone to sign up for their services.

Desired Settlement: I just want out of this contract with no fees because I was lied to when I signed up. I do not use this credit card machine at all.

Business Response: Initial Business Response /* (1000, 8, 2014/08/26) */ Central Payment reached out to ***** to assist with her concerns. ***** expressed she does not wish to honor her agreement with Central Payment. CPAY is able to provide proof to the BBB indicating that everything that ***** has signed for is in fact taking place. ***** contacted our office with regards to her concerns on 7/30, our representative attempted to assist, but assistance was rejected by the merchant. As a courtesy, *****'s cancellation fee was reduced by half.

9/8/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I never received the card reader and requested cancellation within 48 hours. I have been debited 3 times after cancellation request I have never received the card reader and was never given a copy of my contract. I requested cancellation of this service through the sales rep ***** ******* **** I was told that this was cancelled and was issued a refund for the shipping charges but never received a refund for the other 2 charges. I should never have been charged for a service which I did not receive and cancelled within the specified time frame. I should not still be charged for a service that was cancelled.

Desired Settlement: I would like a refund for both debits to my account and in writing that this has been cancelled and no further debits will occur

Business Response: Initial Business Response /* (1000, 11, 2014/06/05) */ Central Payment has made contact with ******. ****** expressed her concerns. Management spoke with ****** regarding her option. She requested a copy of her agreement with CPAY mailed to her in order to review. She agreed to contact CPAY management once she has received a copy of her agreement to come to a mutual resolution. Initial Consumer Rebuttal /* (3000, 13, 2014/06/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never recieved a copy of the paperwork I signed. I spoke with central payment and was told a copy would be mailed to me as of today 12 June 2014 I still have not received a copy of this paperwork. I did receive notification I was being sent to collections for a service and equipment I never recieved. I need these charges reversed and a copy of my paperwork ASAP Final Business Response /* (4000, 21, 2014/08/26) */ ******'s account has been closed. In a prior conversation the local representative was working with ****** regarding her issues. As a courtesy CPAY has waived the early termination fee and closed ******'s account.

8/27/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Account Executive said Central Payment was an program upgrade on my current payment processing service. He never indicated this was a new company. Mr. ***** ****** ******** an Account Executive with Central Payment called me and stated he had an upgrade to my current payment processing service. He had signed my company with the service I was currently using so I had no reason to doubt his sincerity. I met with Mr. ******** on March 28th, 2014. On April 03, 2014 I received the welcome to Central Payment letter. When I discovered this was a new company I called to cancel. They stated I should try to cancel the service with my current provider so I wouldn't have to cancel their service and be charged the 550.00 cancellation fee. I explained the situation to *********,of Cental Payment, I wasn't looking for a new provider, and Mr. ******** misrepresented the reason why he was calling me in the first place. When I told her I wanted the service cancelled, she said I was being rude and hung up. I returned the unused card reader and they deducted the $550. from my bank account. If I had gone out looking for a new payment company I would understand the charge, but when Mr. ******** called he knew I trusted him. I believed what he was telling me. Central Payment has shown an attitude of anything goes when it comes to bringing in money. Customer Service only works when the company shows an interest in providing a service based on truth and mutual benefit to all parties involved. Unfortunately for me, only Central Payment and Mr. *******'s profited from this venture and I feel I was their mark for the day. Their business practices are questionable to say the least.

Desired Settlement: I would like my $550.00 returned, Mr ******** couldn't be reached for 60 days after the business transaction and since I never used the service and had contacted them right away and told them of the situation they made no effort to help resolve this matter except in their favor. I wonder why they have need for such underhanded tactics. Perhaps if they worked more on the service they provided they wouldn't have to resort to such low level trickery to try and bring in revenue.

Business Response: Initial Business Response /* (1000, 5, 2014/06/27) */ ******* singed and guaranteed an agreement to process with CPAY. While CPAY did not make any deceitful acts, several CPAY representatives offered assistance to further accommodate *******'s needs on multiple occasions. Unfortunately he did not want to receive assistance in order to honor the agreement. CPAY is still more than willing to help ******* and make any necessary adjustments to meet his business needs for credit card processing. Initial Consumer Rebuttal /* (3000, 7, 2014/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Central Payment never called me to resolve this issue. When I called their 1-800 number to complain about the misrepresented offer of a upgrade on my current payment system, their representive advised me to talk To the payment company I was currently using and to try and get them to cancel their service. I explained to central payment I was happy with my current provider and if their Account Executive had been honest when he called and stated he was now working for both companies and using previous customers from the original company to make additioal commission then I would have told him I wasn't interested. As I stated in my original complaint I wasn't looking for a new service. When Central Payment tried to contact their Executive they said no answer for their call. After I made my complaint to the BBB he called and said he had been away for 60 days. HE wasn't able to help me with the issue. I returned the swiping device in its original condition, but no acknowledgement from Cectral Payment except to take the $550. from my account and continue on their way. This is a desperate company, that will do anything to bring in revenue. Customer Service is nonexistent with Central Payment. Their Account Executive only left a voice message, but never talked to me or left me a time to call him so we could discuss the problem. As things remain, Central Payment wants payment for doing nothing for customers. I have learned one thingfrom this experience, only listen to the companies I contact myself, even if I had business dealings with a company if they contact me it's in their interest they are protecting. Companies like Central Payment couldn't care less once they get their Money.

7/9/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Sales Rep. claims were false. Rates quoted would save the business money even with leasing a new credit card terminal that we needed for security. On March 5, 2014 my husband and I were visited by ****** ****** the Regional Sales Executive for Central Payment. ****** ****** claimed that if we switched to Central Payment for credit card processing he would give us much better rate that we are currently paying for credit card processing therefore our business would have significant savings every month. He claimed that the current credit card processing terminal that we use is not capable of providing high enough security to be used with the Central Payment system; we would have to upgrade our terminal through a lease from him. However, the savings would be so great that even with the $100/month lease fee for the new credit card processing terminal there would still be a significant savings. The new processing terminal is fully warranted and if there is ever a problem it would be replaced at no cost. Central Payment requires that ****** ****** take a copy of a recent statement from our current supplier to send to them so that they can verify that there is in fact a savings. If a savings was not verified the contract would be nullified, this statement was made several times. Every one of these representations is false. Every time that ****** ****** did a cost comparison calculation he used the lowest of the 4 tiers from the Central Payment plan and compared it to the average or the highest from the current processors statement. It was not until later when he was filling out the contract that he disclosed that the rates are in 4 tiers and there is another transaction fee on top of that. But he quickly glossed over these facts and kept talking about other things as a distraction, so that we would not have time to focus on what he said. Looking at the last statement from the old processor in more detail, there are card fees that are half of the lowest fee that ****** ****** provided and none as high as Central Payment's highest, that does not imply savings. Making a simple calculation, splitting the individual cards 25% into each tier shows the old plan average rates at about the same as the new. If there is a savings there certainly is not enough to cover the extra fees from the machine lease. If the old terminal was not acceptable to Central Payment, then why is it listed as an option on the Central Payment Agreement form? Our old machine is a Verifone V 510. The new terminal has no warranty. Section 5 of the terms and conditions: 'NO WARANTIES: We are leasing the equipment to you ''as is'' ' If Central Payment had any intention of performing a 'savings verification', then why have we not heard back after 21 days? We signed an agreement with Central Payment on March 5th. They identify us as MID# XXXXXXXX. They sold the lease to Northern Leasing Systems, that is identified as agreement XXXXXXX. The cost to get out of these agreements appears to be $5940.

Desired Settlement: We want both contracts voided at no cost to us. All credit card transactions through March 20 processed per the original agreement. They can have their equipment back.

Business Response: Initial Business Response /* (1000, 10, 2014/05/08) */ Central Payment management spoke with ***** regarding her complaint. Central Payment was able to assist ***** with her concerns. We are performing a rate reduction on her account to make sure she saves on her processing fees and will be assisting with her lease as well. ***** was provided with contact information in case she requires further assistance in the future. Initial Consumer Rebuttal /* (3000, 12, 2014/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have yet to receive the contact information from Central Payment and I would like it in writing from them that I am no longer responsible for the lease.

7/3/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: The product promised and part of the signup agreement was not provided. The sales person is currently unreachable/will not return calls. The agreement between the sales person does not match what we recieved. He is unavailable to discuss this matter. Multiple calls and email we sent to him with no response. Furthurmore the company has already charged our account for something I'm unaware of at this point and we still have not received the merchandise as promised. We were promised a BRAND NEW* Verifone ****** as an insentive for signing up this this merchant. As of now all we have received was some lousy card swiper with a usb connection which we can us. I have contacted the company 6 times to resove this matter with no success. he independent sales rep's name is ****** ********* phone #XXX-XXX-XXXX. The company is Central Payments @X-XXX-XXX-XXXX

Desired Settlement: There are 2 options: 1. we receie what we ordered and a detailed legible fee document for the future or the entire order needs to be cancelled and our money returned.

Business Response: Initial Business Response /* (1000, 5, 2014/06/17) */ CPAY reached out to ********. He has expressed his concerns. As it turns out, ******** spoke with our corp office who in turn sent the machine he requested. This complaint was posted while the machine was already in transit. It will arrive today. ******** has been made aware and has no further questions at this time. He has also been advised to speak with management or a supervisor if he has further concerns.

6/24/2014 Delivery Issues | Read Complaint Details
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Complaint: ******* ********* was dishonest in selling us Merchant Services. Everything he promised was false We were told that we would get a cheaper percentage using CPAY merchant services & convinced us to cancel our account w/ Wells Fargo. He made false promises to get the contract & we had multiple stores too. He led us to believe that CPAY would "pay off" our existing contract. That never happened & when we made numerous attempts to reach our Account Rep. he wouldn't return our calls. Then we find out that ******* didn't work for them since December. He has been here to our shop numerous times. This company is a fraud!

Desired Settlement: We want their machines out of All of our stores and we want all contracts ended with CPAY. We just want to have them pay off what we owe the bank for using CPAY's machines, pay off the contract cancellation debit, As they said they would do. We want to go back to the way it was BEFORE we met ******* & CPAY! This company should be ashamed of themselves!

Business Response: Initial Business Response /* (1000, 11, 2014/05/21) */ Central Payment management spoke with *******. He expressed his concerns and Central Payment has agreed to assisting with the Early Termination Fee from his previous processor. ******* will get the required information and a manager will be contacting him again on 5/21/14 to finalize. Initial Consumer Rebuttal /* (3000, 13, 2014/06/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) This incident has NOT been resolved. No one contacted us on 5/21/14. We are going to CANCEL our Central Payment account by the end of THIS WEEK if it is not taken care of. We were PROMISED In WRITING that we won't have to pay for 2 machines and we still are paying. This makes NO SENSE! BOTH Wells Fargo & Central Payment is charging us. ******* will need to contact us by the end of the week, As far as we are concerned we have no contract & ******* told us we can cancel at any time. Which will happen by FRIDAY6/6/14 if we don't hear from them.

6/23/2014 Delivery Issues | Read Complaint Details
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Complaint: Agent for company misrepresented the company claiming they were affiliated with Wells Fargo. Due to charges to my bank account, and being unable to reach said agent for Central Payment, I decided to visit Wells Fargo and learned they ARE NOT AFFILIATED IN ANY WAY! When the agent did arrive to show me the equipment, I informed him I decided to stay with my current credit card processing company.Today (05/02/2014) I received ANOTHER unexplained charge from Central Payment. Thinking it was a simple clerical issue, I contacted them. They said the could refund both unexplained charges if I chose to continue with them (hello, I'm not with them I cancelled before I even got the equipment). And if not, there is a $500 early termination fee. I am certain that it has been UNDER 30 days since I initially signed up for service, not to mention I cancelled when the agent arrived with the equipment 2 weeks ago. Product_Or_Service: Credit card processing Order_Number: unknown Account_Number: not recieved

Desired Settlement: DesiredSettlementID: Refund I would like to be refunded $48.60 (26.94 on 4/16 and 21.66 on 5/02/2014)AS WELL AS having this account closed without any fee as I cancelled in plenty of time.

Business Response: Initial Business Response /* (1000, 10, 2014/06/05) */ CPAY management spoke with *******. She expressed her concerns. CPAY has offered to assist ******* with a solution to her concerns and rate reduction. We will also provide the merchant with a mobile swiper for credit card processing. At her request, we are placing the agreement made with ******* in writing and sending the information to her as discussed and agreed.

6/18/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I have been transferred numerous times to different people, have been subjected to many abuse and asked to FAX the same documents to different people. All I wanted is to cancel the contract which they are unable to provide copies upon request. The contract number is XXXXXXXX, the Business name is Covenant Beauty Supply. I had a credit card processing account with this company. They kept charging me even after I requested cancellation. Every time I call I will be transferred to a different person that will request for the same item that I have originally sent. The method is look my name is bla bla bla I will take it from here if you will only send me this cancellation letter directly. After you send it and call back you will get the same request from another agent. This is an attempt to frustrate the customer so the customer gives up and the people continue to charge your account through your bank. Central Payment is owing me $1,000.34 and they have refused to pay me back. I have sent registered and certified mail. They claim they did not receive it. This is very disappointing that these people are making their money on the back of innocent mama and papa stores. Please help if you could or direct me to where I can get my issue resolved.

Desired Settlement: There is a hold on my $1,000.34 that Central Payment is sitting on pending the cancellation of the contract. Beware there is no contract anywhere. This outfit is a scam.

Business Response: Initial Business Response /* (1000, 11, 2014/04/23) */ Central Payment received this client's cancellation letter and closed the account. This client switched to another company and did not fulfill the agreement with Central Payment and instead placed a stop payment against CPAY. This account is closed. Initial Consumer Rebuttal /* (3000, 13, 2014/04/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with central paymentresponse,because up until the time I filed a complaint against them they were still charging me,even after I had canceled with them last year for overcharging me.There was never a contract agreement signed.i called them,and they gave me a runaround,they asked me to send a letter of cancelation ,that otherwise they will continue to charge me,even though I had canceled with them last year,I sent a certified letter,fax them,but they kept telling me that they never received anything from me. I have copies of the letter with me,they are refusing to return my $1,034,and I just received a bill from their collection agency.This is a company that enslave people and force businesses to stay with their abusive company.Please help to get to the bottom of this and tell them to return my money.They have traintheir employee to lie,force,intimidate,and makeup story to stay open, and people are being forced to stay with them.They categorically told me to go and reopen my account with them,that is the only way I can get my $1,034 back.please help me help other people that have gone or will go through this.

6/5/2014 Delivery Issues | Read Complaint Details
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Complaint: I was redirected by you to the BBB in *****************. When I didn't hear anything. I went to that website and was redirected to back to you. My complaint is that fees were added without my consent or knowledge over the course of the 3 year contract. I was very clear with my sales person, ***** ***** that I did not want to renew my contract. My contract was renewed without my consent for an additional 3 years. In addition, our business deals with contracts. When our corporate billing company is not able to process payment we will do so from our front desk. Recently, we have had 3 charge backs that have cost $25 each time because the consumer disputes the charge. We have provided a copy of the contract to our credit card processing center with the card holders number and signature agreeing to the terms. The customer disputes without valid reason, we are charged ($25 each time) and Central payment disregards the terms of our contract. Our processing company reverses the money from our account, charges us $25 each time and does not hold the customer to the terms of the agreement. I would like and audit and the fees refunded to my account that were not in the original contact that I signed with the credit card processor 3 years ago. I would also like the money returned to my account for the charge-backs that I have proved were legitimate on our end, to include the fees that I was wrongly charged. I would like my contract cancelled per the 3 year agreement.

Desired Settlement: 3 year Contract Renewed without my approval. Additional fees appear on my statement. Charge-backs not be investigated by CP My complaint is that 1.) monthly fees were added without my consent or knowledge over the course of the 3 year contract. 2.) I was very clear with my sales person, ***** ***** that I did not want to renew my contract. My contract was renewed without my knowledge or consent for an additional 3 years. 3.) In addition, our business deals with contracts. When our corporate billing company is not able to process payment we will do so from our front desk. Recently, we have had 3 charge backs that have cost $25 each time because the consumer disputes the charge. We have provided a copy of the contract to our credit card processing center with the card holders credit card number and signature agreeing to the terms. Customer disputes are too easy for the customer and are not being investigated with the money being returned to the customer. This is very time consuming to the business and is becoming costly. The customer disputes without valid reason, we are charged ($25 each time. When disputed Central Payment removes the amount that was charged and we are asked to prove that the charge is legitimate. We take the time to send the proof and Central payment returns the money to our account. Then Central payment disregards the terms of our contract and takes the money back out of our account, charges us $25 each time this happens Central Payment does not hold the customer to the terms of the agreement. Your Desired Resolution: 1.) I would like an audit done on my account and the money for the additional fees that were not part of the original 3 year agreement returned. 2.)I would like my account canceled. 3.)I would like the money and $25 charge-backs returned to my account per customer disputes that were not valid. 4.) I would like the PIC compliance fee that was charged in 2014 ($85) returned to my account.

Business Response: Initial Business Response /* (1000, 11, 2014/04/17) */ Cetral Payment has no control of Chargeback disputes. However, our chargeback department follows all protocols to help the merchant. When a merchant loses the dispute it is outside CPAY's control. We are more than glad to assist with some courtesy credit towards the chargeback fees. With regards to the account's terms. The merchant was provided with a welcome kit, which indicated the account would auto-renew unless cancelled at the end of the term. If ***** has any concerns CPAY will is more than glad to provide the assistance required. CPAY management attempted to contact ***** to assist with her concers. We were unable to get through on the numbers we have on file but did leave a voicemail with a direct contact information to provide the required assistance. Initial Consumer Rebuttal /* (3000, 13, 2014/04/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) My business number is (XXX)XXX-XXXX. This is the number that the credit card transactions are run on and submitted to Central Payment. We answer the phone all the time, or return voice messages as this is a business. My personal cell phone number is (XXX)XXX-XXXX. As far as my losing a customer dispute, the fact that is being overlooked is that I have a contract with the disputee. It isn't possible to lose a dispute when the disputer is under contract. Credit Card Disputes that not being looked into, although all of the proper documentation is submitted (example, the contract) is a very easy way for a consumer to cheat small business. I would like to use an example of my automobile loan that I have through Honda. Could I just dispute that I owe the money for my vehicle and not have to make my payments? Absoluetly not, I signed a contract. In this case the credit card company is not looking at the information provided, because if they were, the person in question would not "win" the dispute. Complicating the situation is that the company Central Payment recieves $25 for each dispute which they take directly out of my account. After the customer is deamed to have "won" the dispute, we (the business) can dispute again and present the evidence again. When the customer "wins" again, we get charged another $25. As a business, I am afraid to go any further in a dispute and feel that it may be easier just to let the customer walk. Why? Because not only am I not going to recover the contractural obligation from the customer, but it takes time to gather the evidence, and then it costs me $50. As far as this welcome kit.. I recieved that over 3 years ago. My fees have varied since then and I have no idea why. I tried to cancel this contract with Central Payment for both of my businesses. The window of opportunity to cancel this contract, I am told is within 30 days prior to the 3rd year. Not before and not after, but within those 30 days. This is almost next to impossible. In other words, a letter sent today, or in 6 months, would not quailfy me for cancellation. Futhermore, I thought contracts in the state of Colorado and several other states, go month to month after the intial term. I thought (we deal with contracts in our business) that it is illegal to renew a contract for an entire term (in the case another 3 years, without notifying the customer (me) and rewriting the contract). I would like this contract cancelled. Actually, I would like both of my business accounts cancelled with this company. As far as credits.. That is vague. Central Payment's entire response is vage. I would like to know exactly how much of a credit, when that will be given to me, and when my contracts for Ladies Workout Express and adam & eve salon & spa will be cancelled.

6/5/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: In July 2012 I contacted Smart Pay to have the contract cancelled. on Feb 3, 2014 I found out the company had not cancelled the account. In July of 2012 I contacted Smart Pay Merchant Services and ask that my account # ********** under ************** be closed. I was told I needed to fax the request to the company, which I did. I never heard from the company again, nor have I ever received any correspondence from the company. I thought all had been settled and the account closed. I closed the account due to an auto accident that occurred in May of 2012. As a result of the accident I was unable to return to work and subsequently had a stroke in August of 2012. The stroke left me unable to handle the family finances and my husband ***** took over that part of our family duties. On February 3, 2014 my husband was online checking out bank account when he found a withdrawal for $128.90. Upon further research he found recurring withdrawals for $43.90, these were being taken out EVERY month. My husband called the company at the ************ number and had to ask many times to speak to a higher manager. Each time he was told they never received a fax and it was just to bad they would not refund the money. They were asked to look at the account and they could plainly see that there had been NO activity on the account at all during that 19 months that the account had been closed. We were asked to fax another letter to request the account be closed. We told them no we would send a registered letter so we would have proof of the request to close the account. This is the letter We have mailed; ****** ******** ********************* ********************* February 3, 2014 Account Closure Department Manager Smart Pay Merchant Services *************************** ******************** Dear Managment: I am writing to express my continuing dissatisfaction with your company's service on my credit card processing account number, **********, listed under **************. Back in May of 2012 I had an auto accident that left me unable to work. I had hoped I would be able to return to the salon but after two months of not being able to recover enough I called and asked customer service to close my account. I was told I needed to fax a letter with my account number and business name to close the account. I did as customer service requested and though everything had been handled. I never heard from your company again. Due to the auto accident that I had in May of 2012, I also ended up having a stroke in August of 2012. Due to the stroke I was unable to handle the financial end of our families' affairs. My husband ***** ******** took over this duty for me. Today, February 3, 2014 my husband checked his bank account and found a withdrawal for $128.90. When he asked me if I knew what the charge was for I had no clue. He did a search in the banking account and found withdrawals for $43.90. I requested this account to be closed nineteen (19) months ago, 19 months at $43.90 a month is $834.10 of our personal money you have taken from us. This is not including the $128.90, which would bring us to a total of $963.00. This is completely unacceptable, extremely costly, and has hurt my family beyond words. This account must be closed right away and the money that has been taken from our account each month needs to returned in full right away. Sincerely, ****** H. ******** Former owner of **************

Desired Settlement: We are asking for a full refund of the money taken from us since the account was closed in July of 2012. That is 19 months at $43.90 a month for a total of $834.10. Plus the additional charge of $128.90, which would bring us to a total of $963.00. All we want is the money they took after the request was made to close the account. That total is $963.00

Business Response: Initial Business Response /* (1000, 5, 2014/02/20) */ Central Payment provided the cancellation information for ****** in two different forms, via her Terms and Conditions given to her at the start of her account and again when she called to obtain the cancellation information. Central Payment did not receive a written cancellation letter as required. As a courtesy CPAY closed the account immediately when she voiced her concern on 2/6/14. Furthermore the agreement between ****** and Central Payment states she has 90 days to advise of any discrepancies. Central Payment offered courtesy credits going back 3 months, but was credit was declined. The offer is on the table for ****** if she wishes to accept this courtesy credit. Initial Consumer Rebuttal /* (3000, 7, 2014/02/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was not offered credits for 3 months going back nor was I offered a credit of ANY kind. I was NOT told that my account would be closed when we called to find out why the account was still open more than a year after I requested it be closed. If I had been told all of these things I WOULD NOT have paid $35.00 to put a stop payment against SmartPay through my bank. I have a copy of my contract and I have a copy of the letter I faxed on July 30, 2012 requesting that the account be closed on Aug. 1, 2012. The letter was faxed to the phone number SmartPay provided me with. I did as I was told to do when I called customer service back in 2012 to close the account. Again, I did not know that SmartPay was continuing to debit my personal checking account due to having a stroke on Aug. 12th of 2012. I was left unable to handle the family finances and my husband took over that process in addition to all of the other day to day functions I could no longer attend to. I would be most happy to provide submit a copy of my contract and the original letter faxed on July 30, 2012. Final Consumer Response /* (3000, 11, 2014/03/17) */ I was not offered credits for 3 months going back nor was I offered a credit of ANY kind. I was NOT told that my account would be closed when we called to find out why the account was still open more than a year after I requested it be closed. If I had been told all of these things I WOULD NOT have paid $35.00 to put a stop payment against SmartPay through my bank. I have a copy of my contract and I have a copy of the letter I faxed on July 30, 2012 requesting that the account be closed on Aug. 1, 2012. The letter was faxed to the phone number SmartPay provided me with. I did as I was told to do when I called customer service back in 2012 to close the account. Again, I did not know that SmartPay was continuing to debit my personal checking account due to having a stroke on Aug. 12th of 2012. I was left unable to handle the family finances and my husband took over that process in addition to all of the other day to day functions I could no longer attend to. I would be most happy to provide submit a copy of my contract and the original letter faxed on July 30, 2012.

6/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I am manager of **************,a non-profit coffee house.CPS took unauthorized money out of our bank account for a different accounts cancellation fee The cancellation fee for merchant # ********, ***************** was unauthorized to be deducted from the account of **************, merchant # ********. This terminal change was authorized by **** ***** , sales rep for CPS. These are two separate businesses and the money was not the responsibility of **************. The money should never have been taken anyway as it is supposed to being refunded by CPS, not deducted, for their failure to comply with the arrangement made by the sales Rep **** for these businesses.

Desired Settlement: We demand that the money withdrawn from ************** be returned immediately and then in turn that they issue a full refund to the proper account.

Business Response: Initial Business Response /* (1000, 11, 2014/04/03) */ CPAY closed the account months ago with no cancellation fee as a courtesy. We can provide documentation proving a second account opened. We still assisted the merchant with their concern and waived closure fees AND issued credits only as a courtesy. Initial Consumer Rebuttal /* (3000, 13, 2014/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Well, if they closed the account with no fees, as they state, then why did Pampered Princess #ID XXXXXXXXXXXXXX, just receive a letter dated 4/7/14 that states an outstanding balance of $168.40. Due immediately or collection action will be taken? They did not close the account, and are still trying to take money from bank accounts that have had to be closed due to their processing of multiple transactions, and unauthorized withdrawal out of accounts that are not even connected to Pampered Princess. And they never refunded the total amount of money that had been unethically ,and illegally taken out of A *** of *****'s non profit account. A *** of ***** # XXXXXXXX , has no ties to Pampered Princess financial obligation. They are two separate businesses. And due to this , A *** of ***** will also be choosing to cancel their account with CPS but I will not do it yet, as I am scared to do so until this current mess is handled . I cannot afford for them to continue to take money from us that is not theirs to take.

6/2/2014 Delivery Issues
5/30/2014 Advertising/Sales Issues
5/29/2014 Problems with Product/Service | Read Complaint Details
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Complaint: salesman ****** A ****** came to my business for sale product:Central Payment. i told him in advance i do not want to make yearly commitment/contract I have been in my business over last 20 years, so i am fully aware of merchant payment transactions. so when saleman ****** ****** came to my business and selling his product i told him in advance that before i sign this paper, I DO NOT WANT ANY HIDDEN FEES OR I AM NOT MAKING ANY COMMITMENT (YEARLY OR THREE YEAR CONTRACT). also i told him that i might retire sometime soon so there will be no contract nor commitment.i also told him that currently i am using merchant payments account from other company without yearly commitment. ****** told me that "O.K", so i signed paper.later whencompany sent me bill and through the telephone conversation with the company i found out it was three year contract in spite of Salesman promise.Also he never ever brought back that copy to me in spite of his promise to bring back that copy.He first came around April 18th 2014 open acct(MID # XXXXXXXX) and I want to closed account of April 28th 2014 due to mispresentation. I do not want this company taking money out from my bank any more.

Desired Settlement: I do not owe any money to this company nor they are not going to take out any money from my bank account. Due to salesman's mispresentation I do not have any commitment or contract with this company.Company keep changing their stories (ex: send complain by mail then fax and then by e mail and now they are telling me that they are threating me that they will take money from my bank acct).This company is not very professional and extramely rude.

Business Response: Initial Business Response /* (1000, 5, 2014/05/13) */ This complaint is incorrect. A representative from Central Payment and management had a very lengthy conversation with this client. She mentioned that she didn't want to have to pay a cancellation fee for being under contract if her business closed. She further understands that she had an agreement and insisted on simply cancelling because she just wanted to do so despite our efforts to assist her. She was also offered to have the contract termination fee waived in the event her business closed and was offered assistance in multiple ways numerous times. Even though all aspects of this account are 100% legitimate Central Payment is still more than willing to make the necessary adjustments and assist this client with anything she needs so she can honor the agreement she signed if she is willing to give us an opportunity.

5/28/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Attempting to collect money after cancellation and termination of contract within 30 day period. We did not need a new merchant account, but had promises of lower rates. The fast and high pressure of the person representing Imagine Processing had me sign and not read any of the small print. Just sign here, and here, and here. After receiving the equipment, I hooked it up and called my current provider to cancel. I was told I already had lower rates than what Central Payment offered. So . . . I packed up the new machine, returned it to Imagine and sent a termination letter, all within the first three weeks. Shortly after, I get a call from Central Payment regarding money we owed to them. Explaining that I had terminated the account, I was told there were two separate companies, and I hadn't canceled the lease with them (Central Payment). The rude gentleman from Central Payment asked me if I was in the habit of signing things I did not read first. Anyway he said we owed $35.00 a month for three years. What????? I had to close my bank account and open a new one to keep them from taking money. They now are working with a collection agency to get $695.00. I've explained to the collection people that I have no connection with Central Payment, and will not pay them any thing.

Desired Settlement: To stop being harassed by phone, by anyone connected with their company.

Business Response: Initial Business Response /* (1000, 10, 2014/05/12) */ This account has been closed since November 2013. The call in question is with regards to a machine sent to ***** under the Free Terminal Program. ***** had 30 days to return the equipment delivered on Wed 8/14/2013 @ 11:31 am signed by ******.

5/14/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Have never had any processing equipment or used this company's services in any way. Automatically deducting money from bank acct. Online purchase of software from Cinch Cart for consignment store. Eventually informed needed to use Central Payment for processing credit/debit cards. Close to opening our new store so contract signed and faxed so we could begin processing. Our computer did an automatic update on 10/7/2013 and we were no longer able to use the software. Cinch Cart was informed and another length of time passed without resolving the problem. ****** ******* worked for several hours on the problem who I later found out is involved with Central. Presumably is his "boss". Spoke with man on 11/6/2013 about problem and was told "the POS and software were under review" by Central. Again, we have not rec'd. any equipment from Central nor used any software or had any further contact for a month!! Monthly charges were deducted from our bank account starting in November, 2013 (for Oct.) and have continued monthly since. This includes a charge from Central and from Authnet Gateway for which I have no knowledge why being billed but believe these 2 co. are involved together. I was told to cancel the contract would be $550.00, HOWEVER, my company has done NO activity with them. As of 1/11/2014, the total deducted for the 2 co. is $86.33. Please note that CinchCart and Central Processing were both sent certified, return receipt packages with all paperwork about this problem on 12/16, 2013 via USPS. As of 1/11/2014, neither co. has had the courtesy of giving a response. I am requesting immediate termination of any contract with this company along with reimbursement to the bank acct. and will deal with CinchCart to request the purchase price and S/H from them for the software which was actually for a restaurant and not a consignment store.

Desired Settlement: Termination of any contract between my company, The Penguin Peddler, and Central Payment and Authnet Gateway. Return of funds automatically removed from our bank account totaling $86.33 as of 1/11/2014. October, 2013 of $14.32, Nov. 2013 of $28.00 and Dec, 2013 totaling $43.90) No further deductions/automatic withdrawals from bank account.

Business Response: Initial Business Response /* (1000, 8, 2014/02/04) */ Central Payment has closed ******* account with no cancellation fee as a courtesy. CPAY also agrees to reimburse ***** for month-end fees from November through January. Final Consumer Response /* (2000, 10, 2014/02/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) The cancellation courtesy and return of the automatic withdrawals is most appreciated. I will anticipate a complete resolution to this matter. Consumer Response /* (3000, 15, 2014/03/10) */ Received notice that this account would be terminated and a refund made. As of this date (3/9/2014) no refund has been received back into the checking account as this had been an automatic withdrawal (EFT). There is no EFT for March, 2014 which is per the agreement, however, the previously requested funds have not been credited. Please fulfill your agreement. Consumer Response /* (3000, 18, 2014/04/16) */ eceived notice that this account would be terminated and a refund made. As of this date (3/9/2014) no refund has been received back into the checking account as this had been an automatic withdrawal (EFT). There is no EFT for March, 2014 which is per the agreement, however, the previously requested funds have not been credited. Please fulfill your agreement. Consumer Response /* (2000, 22, 2014/05/14) */ The total amount was refunded into The ******* ******* bank account. Thank you for your assistance in this matter. The outcome was successful even if the whole process took countless hours and stress to get to.

5/8/2014 Problems with Product/Service | Read Complaint Details
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Complaint: we received fee above the monthly charges, 89$ or more fee, for new year, we should have cancelled and resigned up for our account, monthly fee 140 there was a yearly fee we were not clearly notified of the amount $89 or more, the sales rep relay misled our expectations. and what our bill was monthly

Desired Settlement: fee for 2014, to be waived, or reimbursed, and we would like to find another carrier, and discontinue service,

Business Response: Initial Business Response /* (1000, 10, 2014/03/25) */ Central Payment Management called to speak with Mr. *****. Mr. ***** was informed that Central Payment is always willing to assist all of our merchants and will continue to do so with his business. He was provided a direct contact information in case he has any questions or concerns in the future. This case has been resolved. Initial Consumer Rebuttal /* (3000, 12, 2014/03/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) please note we were informed that a compliance survey would be offered us, Central Payment, and the representative, purposely did not disclose the form, or provide where we could be certified, Be cause of there neglect resulted in $89 And $15.97 a month fee,

4/21/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Fraud and scam artist Rep with CP contacted me from their ************ ** office. Was told had 120 days to decide after signing up. Signed up about three weeks after initial meeting. Sales rep contacted me to say she was sorry she mislead me but she was told to do that by the branch manager of ************ ** office of CP. I contacted that office and attempted to cancel well within in my 120 time period I was told. Branch Manager told me she was wrong. I contacted CP corporate and they said I did not have to deal with local office. Still wanted to cancel. They would not. Minimum billing was $5/month. On 11/16/13, my controller contacted ******** at CP corporate and she said since account never activated would cancel. You continue to take $58.40/month out and Feb was over $100.00. I want all money returned to my company.

Desired Settlement: All money refunded spent due to misleading and unfair practice application by sales staff and branch in ************ **

Business Response: Initial Business Response /* (1000, 8, 2014/04/03) */ This complaint has no merrit as this merchant voiced his concerns with our office. CPAY agreed to close the account with no cancellation fee AND with credits with the client agreeing that his issues have been resolved. This took place on 3/6, a day before the date of this complaint. Furthermore, **** executed a 36 month agreement with CPAY AND acknowledged the compliance section of the agreement, which reads: The merchant application and %Terms & Conditions attached hereto includes all terms of the service and/or agreement. If any other agreement was made between MERCHANT and Sales Representative, which such agreement shall not amend the Terms and Conditions in any way, it must be included in the "Special Instructions" are of the merchant agreement. While this was acknowledged by the merchant, CPAY still assisted in resolving this item.

4/16/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: credit card machine upgrade issue. this is ***************************************************. when my old merchant wants the machine back, we ask our salesman ******* if we would have a machine, but we don,t want any charge and he promised yes. and he brought us a new machine and than at the same month I found the upgrade fee on the bill. I called the company twice and they say I should call the salesman, and I call him twice left message but he never call me back. at this case since the charge, I assume the machine is my. when closed the business, the salesman called me midnight yelled over me said why we do this, the machine is him. I mentioned about the charge, I said once we get the charge back and he sign back say he gets the machine. I will give him machine back. the salesman don,t believe the fee at first, and than he figure out the fee and say he will call me back at next day plus he say he doesn,t have to sign any paper because he owns the machine, he just borrow the machine to me. since it he never call me back, and than two months later I receive a e mail say that I have to return the machine back to the company, because they own the machine, otherwise , they will charge me $595. I call the company, they said they could only refund $25, since it is over 60 days. the manager also treating me that if I file complain and they also file complain against our company. for what? for they over charge me and kicking me like a ball. I will return machine back tommrow anyway.

Desired Settlement: full refund, not the partial refund .

Business Response: Initial Business Response /* (1000, 10, 2014/02/04) */ Central Payment has attempted on a couple of occasions to contact this consumer to resolve this situation. Unfortunately we have been unable to get in contact with them. CPAY is more than willing to assist with regards to the legitimate fee in question. We further offered a partial credit towards the upgrade fee, also as a courtesy and it was declined by the consumer. If this consumer wishes to discuss this with our office we will gladly assist in reaching a mutual agreement. Initial Consumer Rebuttal /* (3000, 12, 2014/02/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never ever recive any phone call from them, I called them, they offer patrial refund $25 dollars, but they charge upgrade fee without my authriztion since then I have been kick back and forth like a ball. and ship back the machine cost me another $15, whole process is a scam. Final Consumer Response /* (3000, 15, 2014/03/11) */ I never ever recive any phone call from them, I called them, they offer patrial refund $25 dollars, but they charge upgrade fee without my authriztion since then I have been kick back and forth like a ball. and ship back the machine cost me another $15, whole process is a scam.

4/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: extra charges have been added to my bills. When joining with central payment services I was told by my sales representative that we would not receive any extra hidden charges. I was also told that is that were to happen I can discontinue their services anytime. However, there have been extra charges added anyway. After calling to get them removed I was told they can add any charges any time to my bills "per the contract that was signed" I have since changed my merchant account and want the $550.00 removed from my account returned. I tried calling the sales representative whom explained very clearly that there would be no extra charges billed to my account but of course he has not returned my calls. I am tired of the all the strong arming done by these awful companies with their lies.

Desired Settlement: $550.00

Business Response: Initial Business Response /* (1000, 5, 2014/01/24) */ ***** had an agreement to process with Cetral Payment. CPAY received a cancellation letter from ***** requesting the closure of the merchant account. Prior to cancelling, CPAY staff offered assistance, which was refused by *****. Several attempts and voicemails were left in efforts to further assist ***** so the agreement is not broken. CPAY further verified the agreement and term with ***** at the start of the account. Initial Consumer Rebuttal /* (3000, 7, 2014/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I MAILED 2 CERTIFIED LETTERS BECAUSE I RECEIVED NO RESPONSE BY PHONE. I DO NOT HAVE VOICE MAIL. THERE WAS ONE ATTEMPT BY A VERY NICE GUY TO HELP ME HOWEVER, HE WAS UNABLE TO RESOLVE ANY ISSUES.I HAVE NOT BEEN ABLE TO CONTACT THE SALES REP THAT SIGNED ME UP. HE HAS NOT CALLED ME BACK. AND I CAN ASSURE EVERYONE THAT HE EXPLAINED TO ME THAT THERE WOULD NOT BE ANY HIDDEN CHARGES I HAVE THE ACTUAL PAPER HE PHYSICALLY WROTE ON SHOWING ME ALL THAT I WOULD BE CHARGED. WE ALSO DISCUSSED CANCELLATION IF EXTRA CHARGES WERE INCURRED. I WAS TOLD THAT I WOULD BE ABLE TO CANCEL IF THIS WERE TO BE THE CASE. AGAIN, THE ONLY WAY THEY WERE WILLING TO RESOLVE ANY ISSUES WERE BY SAYING "WE CAN CHARGE YOU WHATEVER, WHENEVER WE WANT TO PER OUR CONTRACT. I MUST SAY THERE IS NOTHING TO SAY TO THAT. I WANT EITHER ALL THE HIDDEN CHARGES GIVEN BACK OR THE $550.00 THAT I CONSIDER THEFT BACK! THANK YOU Final Consumer Response /* (3000, 10, 2014/03/03) */ I MAILED 2 CERTIFIED LETTERS BECAUSE I RECEIVED NO RESPONSE BY PHONE. I DO NOT HAVE VOICE MAIL. THERE WAS ONE ATTEMPT BY A VERY NICE GUY TO HELP ME HOWEVER, HE WAS UNABLE TO RESOLVE ANY ISSUES.I HAVE NOT BEEN ABLE TO CONTACT THE SALES REP THAT SIGNED ME UP. HE HAS NOT CALLED ME BACK. AND I CAN ASSURE EVERYONE THAT HE EXPLAINED TO ME THAT THERE WOULD NOT BE ANY HIDDEN CHARGES I HAVE THE ACTUAL PAPER HE PHYSICALLY WROTE ON SHOWING ME ALL THAT I WOULD BE CHARGED. WE ALSO DISCUSSED CANCELLATION IF EXTRA CHARGES WERE INCURRED. I WAS TOLD THAT I WOULD BE ABLE TO CANCEL IF THIS WERE TO BE THE CASE. AGAIN, THE ONLY WAY THEY WERE WILLING TO RESOLVE ANY ISSUES WERE BY SAYING "WE CAN CHARGE YOU WHATEVER, WHENEVER WE WANT TO PER OUR CONTRACT. I MUST SAY THERE IS NOTHING TO SAY TO THAT. I WANT EITHER ALL THE HIDDEN CHARGES GIVEN BACK OR THE $550.00 THAT I CONSIDER THEFT BACK! THANK YOU

4/9/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Central Payment Corp continues to withdraw from my Business checkin account in spite of continues efforts to cancel the Contract and Sales Misrep... entral Payment has refused to cancel my Merchant account and continue to withdraw money from our business Checking account. Central Payment Corp, located ********************************************** on 1 has failed to cancel my merchant account in spite of several requisition by e-mail, phone and letters... This month they even charged me an extra 85 dlls for annual fee. History: We opened a Kiosk in Vegas back in March 2013.. We needed a way to process credit cards on our equipment.. We were referred to ***** ********, an account executive.. who asked us to sign a document without filling up so he can expedite the opening of the account.. Or mistake was to believe in him and we did. We only had the store open for one month. So we tried to cancel the merchant account and found out that we had a three year contract.. When I spoke to them, ****** *******, back in July 2013.. I Requested the cancellation and agree to paid the cancellation fee. ****** mentioned to me that I needed to send them a Letter for Cancellation... and I sent them a letter.. I thought that I will received a bill for the cancellation, only to find out that they continue to withdraw money from my Checking Account. They argue they have never received such letter.. Trying to talk to them over the phone is impossible, usually a 30 minutes wait.. Had my employees contacted them and apparently they cannot talk to them, since who opened the account was me.. Sent another letter Las Month.. They did received the second letter on January 16th, per my conversation with ***** (Customer Service) but that it will take 30 days to process the cancellation. This company does a very Shady Business. They find ways to continue withdrawing money from your checking account.. Very difficult to talk to...

Desired Settlement: I have sent a letter where I have requested a refund or credit towards the cancellation fee, all of the extra charges they did after I originally cancelled the account.

Business Response: Initial Business Response /* (1000, 10, 2014/03/24) */ Central Payment has tried to contact Mr. ***** to address his concerns. We have been unable to get in contact with him. However, we are more than willing to help address his concerns. Mr. ***** declined to allow us to assist prior to cancelling the account. Central Payment has issued a courtesy credit for the $85 PCI compliance fee in good faith. We have left management information in his voicemail box so he can call us back if he needs additional assistance.

4/4/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: They continued to remove monthly fees from my account after the lease ended and all the proper procedures were done to properly end our contract. I sent in my letter or cancellation 60 days before my lease was coming to an end. I called central payment several times to make sure I was doing everything correctly. I sent back all the equipment including any extra receipt paper and any papers that came with the machine. 2 months after I cancelled they debited my account for $35.40 even though I didn't even use their machine or have it in my possession for that matter. No fees should have been removed from account after February. I called them to let them know they need to refund my money and they said they would contact their cancellation department and call me back that day. That didn't happen. I called a couple days later only to end up arguing with 2 unqualified employees who both told me different stories. They finally told me they refunded my money.....yeah right. They still have not refunded me and I will most likely have to close that account and open a new one which will also cost me money because I will have to buy new checks. It's not right to run a business and still charge people for things they aren't using. I want my money back!

Desired Settlement: I want my $35.40 refunded to my account in a timely manner. If I charge any of their employees for a device they canceled 2 months later they wouldn't be happy. Learn how to run a business properly and honestly.

Business Response: Initial Business Response /* (1000, 8, 2014/04/03) */ ****** posted this complaint the same day she called our office at which time she received confirmation that the account had already been closed and the credit she is requesting already issued. Initial Consumer Rebuttal /* (2000, 10, 2014/04/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) I finally did receive a refund from central payment. It did take another two phone calls. The refund was not issued for another two weeks after the first time i called. Still would never do business with central payment again.

4/4/2014 Delivery Issues | Read Complaint Details
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Complaint: Central Payment is refusing to offer an amicable solution to a contract misunderstanding that is adversely affecting International Gourmet Pantry. The misunderstanding began in June 2013 when International Gourmet Pantry (IGP), a grocery store, had an ownership transfer. In order to make the transition as smooth as possible, the previous legal owners allowed the new owners-to-be to run daily operations and revert back with feedback/questions while the legal ownership transfer process completed with the State of Michigan. During this period, IGP operations went on unhindered resulting in $7000++ amount of transactions billed through Central Payment (CPay) - i.e. the credit card processors. Both owners-to-be and the previous owners agreed that all the transactions accumulated during the transition period were in fact revenue for the owners-to-be. Shortly after receiving pertinent legal paperwork, IGP's new owners began searching for credit card processors that would offer both great service and rates. The search narrowed down to a credit card processor other than CPay. For reference, we will refer to this processor as ''Credit Card Processor 2 or CCP2.'' Both previous and current ownership of IGP wanted to ensure that the funds collected by CPay, in an excess of $7000++, and at this point be deposited into the new owners' account as this would undoubtedly simplify accounting. A conference call was made to CPay Customer Service (CS) to inform them of the change and to request the owners information be updated. However, CPay CS took exception to the transfer request and suggested that the funds could be withheld in the interim until the old account is closed and a new account is opened. Both owners agreed to this suggestion. The new owners of IGP, being novice to the whole business, asked CPay CS to outline the steps to open a new account. CPay CS confirmed that the process will begin when a CPay Sales Agent or Account Executive contacts IGP's new owners and that a request was being put into the system for an agent to contact IGP's new owners. All communication from here on was with IGP's new owners. The contact with a CPay Account Executive was not forthcoming. IGP signed on with CCP2 and began processing credit cards. After waiting for some time, IGP called CPay again and asked for the name of the Account Executive. As a result, CPay CS dialed in the right person and the application process kicked off. From the get-go, IGP never had the intention to process credit cards with CPay but was following instructions of the CPay CS agent to get the funds released. IGP, while on the phone with CPay's Account Executive, asked how could the process be sped up as the funds have been on hold for quite some time and the business needs adequate cash flow to have an effective beginning. It was agreed that filling an application online, through a portal, would be the fastest way. IGP agreed. CPay's Account Executive, to assist IGP, filled in most of the application and requested that IGP initial and sign the application. Neither party discussed the application to be a binding contract. It was always assumed by IGP that it was CPay's policy to follow this procedure in situations like these. It is IGP's sincere belief that CPay's Account Executive did not mean to deceive IGP but in the spur of the moment and given the gravity of the situation, could have easily omitted this detail. Once the application was submitted to system, IGP was offered a new state-of-the-art machine free of charge which was meant to replace the old machine and was told that it could be used until IGP stays with CPay and if IGP stops transacting with CPay before a 3 year period, the machine would need to be returned. IGP took this as a goodwill gesture and at this stage thought to itself that IGP could retain CPay as a backup processor or "Plan B," should anything happen to the CCP2 machine. While thinking along those lines, IGP took the expressed notion of the 3 year period simply as a depreciation period. ... to be continued below within the 'settlement box' below.

Desired Settlement: After some duration, a physical copy of the documents called the Welcome Kit, were received by IGP. It was at this point that IGP realized it had been pulled into a contract. To clarify the matter, IGP contacted CPay Account Executive in hopes that IGP could be let out of the contract and this misunderstanding be put behind us. We were advised to take up the matter with CPay CS. We did. We called into CPay CS and asked that the funds be released and we be taken out of the contract. We were informed that the policy would only allow the funds to be released in the form of a check and would be made payable to the previous owners instead of the current owners, and that the termination of the contract would result in penalties, i.e. early termination fees. This was and has been a very disappointing and inconvenient process thus far. While the dispute lingers on, IGP was charged fees on a monthly basis in spite of not using CPay's equipment and/or not utilizing any of their services. CPay did however, mail out a check for the withheld amount to the previous owners who graciously signed it over to the current owners of IGP. For settlement, we are requesting that all baseless monthly charges be credited to us and the contract be terminated without penalty.

Business Response: Initial Business Response /* (1000, 11, 2014/01/09) */ Central Payment management contacted ********* owner of International Gourmet Pantry. ******** voiced his concerns. While CPAY, as a courtesy, deducted monthly fees billed from the legitimate cancellation fee ******** has been offered an additional credit towards the cancellation fee, again as a courtesy. This cancellation fee is legitimate and Central Payment has documented evidence in form of *********** merchant agreement. Unfortunately ******** feels that it is all or nothing. CPAY has attempted to resolve this situation. Initial Consumer Rebuttal /* (3000, 13, 2014/01/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Central Payment isn't offering a desired response to the problem despite claiming to understand the situation. IGP's stance is that the issue should have panned out differently from start and should have been very clear for new business owners. Using neutral terms to get someone bound into a contract is just wrong, then charging them to cancel and giving a partial amount back is hardly a courtesy. We would like renew our request for a full refund of all fees resulting from this experience. Thank you. Final Business Response /* (4000, 17, 2014/02/18) */ Central Payment made the proposed arrangement only as a courtesy to assist this client. Instead of receiving this courtesy offer the client posted a complaint against CPAY. The courtesy offer is on the table if the client wishes to accept. Final Consumer Response /* (3000, 20, 2014/02/19) */ Their courtesy is misplaced and isn't as important here as their need to come out clean; amend their procedures to accommodate an acceptable level of contractual disclosure. In the case that's in question, CPay simply failed at this very basic step and therefore need to refund all amounts that were wrongfully gained.

3/25/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company failing to refund a PCI annual fee. I terminated my service before this fee was assessed and they are refusing to refund it On January 23, 2014 I sent my letter of terminating service with Central Payment Corp., they informed me there was a 30 day waiting period. I have not used their service at all this calendar year. On my January 31,2014 bill I was charged for an annual PCI fee of $85.00 On February 10, 2014 I requested a refund of that charge, I was denied.

Desired Settlement: I want a refund of the $85 for the annual fee, which was charged to me.

Business Response: Initial Business Response /* (1000, 10, 2014/03/24) */ CPAY spoke with *****. We explained the PCI fee and as a courtesy issued credit towards PCI compliance. ***** has accepted and her concern has been resolved. Final Consumer Response /* (2000, 12, 2014/03/25) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/17/2014 Delivery Issues | Read Complaint Details
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Complaint: There was an automatic renewal of our contract on both of our accounts that we were not aware of. We need to have a choice in this matter. After numerous calls to customer service I have yet to speak to the proper departments supervisor to discus this matter. By having an auto-renewal clause buried deep in the small print of the initial contract, we find ourselves with absolutely no choice in which company actually earns our business. Furthermore, we should not be required to contact the company to discontinue service. It should be THEIR obligation to contact us if they want that business. We're not pleased with the charges we incur every month and I called to discus this matter. Three weeks have passed with as many phone calls and I feel like we're getting the run-around. Running a business is very time-consuming and I don't have the time to make endless phone calls only to never be able to speak with a decision maker regarding our two accounts. All we want is to have a choice in who processes our credit cards and be able to cancel the account without incurring any penalties, fees, or whatever if we choose to do so.

Desired Settlement: We would like to have the opportunity to cancel our accounts should we choose to do so without incurring any penalties. It would be nice if our credit rating wasn't totally trashed also.

Business Response: Initial Business Response /* (1000, 5, 2014/02/20) */ Central Payment supervisor and management spoke with ***** about his concerns and also, as a courtesy only, previously agreed to allow him to cancel if all matters are put to rest. Instead of accepting this courtesy, ***** stated he will post this complaint with the BBB regardless. This complaint has no merit as Central Payment offered a courtesy and declined by *****. Furthermore Central Payment can provide the BBB with supporting documents where these terms were agreed by *****.

3/17/2014 Problems with Product/Service | Read Complaint Details
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Complaint: not able to close an account resulting in Central Payment taking fees from an unrelated banking account 1 ***************** has not been closed resulting in fees charged to a closed bank account.2. ************** has had fees taken from their bank account by Central Payment ,with out permission 3.Represintitive from Central Payment came up with a plan to transfer ***************** to ***************** account. leaving an unresolved contract.

Desired Settlement: refund money taken from ************** banking account. A refund of bank overdraft fees, caused by Central Payment, to *****************. Restore ***************** old contract.

Business Response: Initial Business Response /* (1000, 5, 2014/02/21) */ ***** is NOT a principal signer on the agreements with Central Payment and has no merit for placing a complaint. ****** has signed two separate agreements. These agreements were verified and ****** was fully aware of both contracts. CPAY has evidence of this and can supply the BBB with such. Furthermore, CPAY closed the account and issued courtesy credits for the months of December and January. This was done in good faith to resolve all issues, however regardless of this courtesy *****, again who is not a signer, placed this complaint with no merit.

3/14/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Sent in a written consent to cancel services. Company charged cancellation fee and would only refund if that amount was processed thru their services. Charges were never processed so account should not have been reactivated. Company is charging $102.50 in monthly billing. I called to tell them the account was not needed and no more charges would be going thru their company. They stated they will cancel but monthly amount charged will not be refunded. Product_Or_Service: card services Account_Number: **********

Desired Settlement: DesiredSettlementID: Refund $102.50

Business Response: Initial Business Response /* (1000, 5, 2014/02/20) */ Central Payment reviewed the ********** account. We understand there was no activity for the month of January and issued the credit for $102.50 back to her account.

3/14/2014 Delivery Issues | Read Complaint Details
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Complaint: Salesman failed to mention all the hidden charges, even if some are across the board compliant charges. Money does not post Iin 24hrs as told either. Salesman failed to mention a $89 yearly compliance fee, a $25 chargeback fee, $.24 per swipe on top of the 1.6% fee of transaction. We were told money would post to our bank account within 24 hours and so far has not happened.

Desired Settlement: They say we can cancel for a 550 fee, we want to cancel with no fee, we were misled. worse, we recommended them to another company and feel terrible for doing this.

Business Response: Initial Business Response /* (1000, 10, 2014/02/21) */ Central Payment Management spoke with *****. He voiced his concerns and offered to make modifications to his account despite all of what ***** believes to be "hidden fees" being clearly written on the same page he signed to agree to these rates and fees as well as the term of the agreement. We presented a solution for him and advised he agreed to try the service and if he still did not see it benefits him we will assist with a reduced cancellation fee. CPAY has a recorded call between this conversation with *****, therefore this complaint has no merit. We are more than willing to continue to assist ***** and address any further concerns he may have.

3/11/2014 Delivery Issues | Read Complaint Details
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Complaint: My contract expires on 1/25/14 with Central Payment which I use for credit card services. I called to cancel on 1/21/14 to inform them I will be canceling my contract on 1/25/14. on 1/23/14 they deducted $145.44 out of my checking account for an Annual Fee of $85, $15.95 for PCI Compliance Fee and $7.95 for insurance fee. The $36.54 was the monthly charge. I have spoken with ******, *****, *****, ***** and ******* the manager and also my local sales representative ****** *******. Only ****** is willing to try and help but the people that work over the phone were very threatening and not helpful. I explained to both ***** and ******* that I was going to file a complaint. ******* told me if I did he would file a complaint against me personally and against ******** Interiors, Design & Construction, Inc. This is a company that I have given business to for the last 4 years and are now unsatisfied that I am switching to competition. I feel this is a personal threat. Product_Or_Service: credit card processing Order_Number: ******** Account_Number: ********

Desired Settlement: DesiredSettlementID: Refund $145.44 - I would like a full refund for harassment to me personally and towards my business. I run a legal, loyal small female owned business.

Business Response: Initial Business Response /* (1000, 5, 2014/02/17) */ Central Payment received the required 30 day notification, as stated by ******, at the end of the month. She received billing for normal fees, and prior notification of such fees, as the account was active and available for her to use for her final month of her agreement being fulfilled. ****** signed up for a term of 36 months and while she was required to submit a written notification of cancellation 30 prior to the expiration of her agreement she did not do so until 2 days prior to the end of the agreement. This fee could have been avoided if notification was provided at the necessary time. ****** was explained this information and instead of listening for a resolution, as a COURTESY, towards her concerns she decided to verbally abuse Central Payment staff using loud profanity towards employees and management. Right after doing so she terminated the conversation. (Central Payment has evidence of this) In further attempts to assist ******, even after her behavior towards the staff, Central Payment management attempted to reach out to ****** once again to try to offer a solution, unfortunately the call was disregarded. We did leave her a voice mail asking for a return call to resolve amicably. Since ****** did not answer or return a call, Central Payment reached out to her local representative for assistance. We asked that he offer a courtesy credit in order to assist her and resolve her concerns. Her representative spoke with her and stated ****** accepted the courtesy credit offered to resolve this matter, however ****** still proceeded to post an invalid complaint with the BBB.

2/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: This complaint was taking by a BBB staff member:

Please review complaint details from consumer:
A representative from this company came into my store advertising this merchant processing machine. The representative stated that I am not signing a contract and the payment would be very low. When I look at my bank statement I saw that I was charged $85.00 for the processing machine. I contact the company to cancel the contract. The company stated that I will have to pay $550.00 and $199.99 which is stated on the contract.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want to cancel this contract and return the machine.

Business Response: Initial Business Response /* (1000, 12, 2014/01/09) */ **** has been in contact with our office. He would like to discontinue our service. **** states on his complaint he is aware of closure fees. We attempted to contact **** to finalize the closure of his account, but was unavailable. We will continue to reach out to **** to properly assist with the closure of his account per his request. Final Consumer Response /* (3000, 14, 2014/01/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) The contract that I have clearly states that I am not bound to any conditions of the contract. All the provisions that indicate any cancellation fee or any fees, other than the 1.99 % transaction fee, is clearly crossed out. I insist I canceling the partnership and have no intention to pay a fee I am in no way bound to pay. If my account is not cancelled without having to pay a cancellation fee, I will undoubtedly bring this matter to court and not only will I argue against paying the cancelation fee, but I will also request that all the other fees that I have been wrongfully charged over the past several month be refunded to me Final Business Response /* (4000, 18, 2014/02/04) */ Central Payment reached out to **** once again. His account with Central Payment is closed. In speaking with ****, he was under the impression that he had two accounts with CPAY since he states he was recently charged a $495 cancellation fee. This amount is not a CPAY cancellation fee, nor have we billed his account for that amount. **** was given confirmation that his account was closed per his request per the terms of his agreement.

2/11/2014 Problems with Product/Service
2/5/2014 Delivery Issues | Read Complaint Details
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Complaint: I am stuck in a contract, when I have no access to their services. Please see additional info. I started with this company in June of 2011. I had signed a three year contract unknowingly- along with 6 other girls in a beauty salon. I stopped working at this salon in January of 2013, not by choice, but because of a rent increase I could not afford. The location I am now at, does not have internet, and I have NO WAY to use this service. I called them, and asked if there were any way to get out of this contract, where it was not possible to use their service. "No." was their answer. The early termination fee is somewhere around $375 dollars, which does not go down at all, no matter how long is left on the contract. Considering I am in my 20's I can't afford to ruin my credit because of this. I continued paying for the service for the last 11 months, every month, even though I couldn't use it. With all the monthly fees, and no usage fee- I'm paying nearly $40.00+ for this service, when I have NO access to it. I'd also like to note that two others who have left the salon prior to me, WERE LET OUT OF THEIR CONTRACT with no penalty, but for some reason, I am being held to it. The two people who were let out of hteir contract were ***** ****** ********, and **** ******. However, three months ago I was told someone could take over my contract, so that I could avoid the early termination fee. A friend of mine, who now works at the salon (***** ******), agreed to take over my contract which runs out in June 2013. We contacted our area representative, and were all on the same page. For some reason, this man decides to open her a new account, monthly, instead of taking over my contract, even though she was willing to do so, because she has no plans in leaving the salon. I have talked to customer service several times in an attempt to get any relief what so ever. The last time I talked to them, an agent told me they would open me a ticket, and I would be refunded all charges since *****'s account was incorrectly opened, because it was supposed to take over mine, and I would be let out of my contract. I contacted them again tonight to see if everything was all set. Apparently now, there is absolutely nothing they can do for me. No refunds, and I'm stuck in a contract that I can not use- (not be choice, but because I have no way to use it.) I'm extremely frustrated and wish this company could help me out. I'm an independent massage therapist, not a large corporation. I do not have $450+ dollars (so far, with another 6 months to go!) to give a company like this when I have no way to use it. Please help!

Desired Settlement: Ultimately, I would love to be refunded for the charges I have paid since January of 2013, and be let out of my contract. But any help is appreciated, as I can't afford to continue this way.

Business Response: Initial Business Response /* (1000, 10, 2014/02/04) */ ****** called Central Payment to cancel the agreement. ****** signed and agreed to process with CPAY for a term of 36 months. CPAY assisted by closing the account without a legitimate cancellation fee if everything is resolved. We have a recording of this conversation with ****** agreeing to these terms. ****** later filed a complaint with the BBB. ******'s account was closed with no cancellation fee in good faith. Final Consumer Response /* (2000, 12, 2014/02/05) */ (The consumer indicated he/she ACCEPTED the response from the business.)

2/5/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Numerous calls to Sales Rep and Merchants office with questions on account, no reply from either. Sales rep made several promises about their services only to find out after signing the contract that these services are not available, ie. re-occurring check charges to our customers. I made numerous calls to the rep and he has never returned any of my calls. Called the main office and they informed me that some of the services are not available and some they are working on to become available. I spoke with a manager and she was suppose to contact me by the end of the day on 12/20/13 but I have yet to hear from her or anyone at the company. Because of this, I am currently paying for 2 merchant services because Central Payment does not offer everything they originally promised.

Desired Settlement: Promised services or full refund with no cancellation fees.

Business Response: Initial Business Response /* (1000, 9, 2014/02/04) */ Central Payment closed ******* account with no cancellation fee as promised to her. Final Consumer Response /* (2000, 11, 2014/02/05) */ (The consumer indicated he/she ACCEPTED the response from the business.)

2/4/2014 Advertising/Sales Issues
1/14/2014 Billing/Collection Issues
12/17/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: I bought credit card processing equipment from them. I cancelled my service and they have promised to remove the lock on my swipers for 6 months On 8/3/2012, I signed up for a no contract credit card processing agreement with Central Payment for my business, Garage Doors & More of the Piedmont, DBA Overhead Door Services Inc. On 8/6/2012,their representative ***** **** sold me 2 mobile credit card swipers (Lipman, 8010) and 1 with an ethernet cable(Verifone, VX510). Due to their high fees, we decided to move our service to Intuit Payment Processing. We set up an account with Intuit Payment Processing in April 2013. They told us that Central Payment would need to unlock our machines, so that they could connect them with our new account. We called in to Central Payment's technical department and told us to have the machines plugged in to a land line. We did so, on at least 5 different occasions, but the process did not unlock the machines. In the past 6 months, we have called back and spoken to many different departments, but we have gotten no resolution. Intuit has assured us that these machines are compatible with their system and they don't understand the hold up. We feel that Central Payment has purposely held our machines hostage out of spite.

Desired Settlement: I am asking that my machines be released as promised by their staff or the purchase price of the machines returned. The (2) Wireless Machines were $350.00 each and the wired unit was $200.00. I would also like to add that the wired machine in our office has never worked. ***** ****, their representative, blamed our phone system yet he knew what type of system we had before selling us the units.

Business Response: Initial Business Response /* (1000, 8, 2013/11/20) */ On 10/10/13 Trish (claiming to be the owner's spouse) called to request the deactivation of the terminal. Our technical support team assisted in doing so at their request. CPAY technical support staff also settled the terminal on the same date to ensure all transactions were cleared. If this consumer has further questions or requires further assistance. This consumer opened two merchant accounts with Central Payment. One of the two accounts was signed and verified with the owner on a 3 year agreement, which CPAY released AS A COURTESY being the fact that they were to continue using their second, month to month, account, releasing him from a legitimate $550 Early Termination Fee. This consumer stated that he would cancel both accounts with CPAY if CPAY didn't release him from his agreement on one account. CPAY is more than willing to assist ****** with any questions or difficulty he may have with his equipment while still processing with CPAY. Final Consumer Response /* (3000, 15, 2013/12/04) */ Their representative, **** ******* sent me an email and left a message at my office, but doesn't answer our calls when we contact his office. On 12-3-2013, I sent him an email asking him directly if he was prepared to release my machines as I have requested for nearly 8 months.It was a very direct question. He did not respond or return my call that I made on 12-3-2013. I would like Central Payment to set a solid appointment to call my office and have these machines released. I have no need to speak to any of their representatives until they get their ducks in a row and have the measures in place to release my machines. I have spent hours on hold with Central Payment with zero resolution because no one there seems to know how to complete the task. Final Business Response /* (4000, 17, 2013/12/05) */ Central Payment has documented evidence of the email exchange between CPAY and ****** and his wife *****. ***** replied to and email this morning as well and an appointment has been set up to address their concerns.

12/16/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Hidden fees have been debited from our account that we were never informed would be charged. Customer service has been very uncooperative. As the owner of a new bakery, I was approached about using CPay but declined due to the 4 year contract that was required. When questioned, I explained that I was struggling to keep the doors of my business open and could not risk the high cancelation fee. Therefore our sales rep, **** *****, negotiated a month to month contract. I agreed to the monthly contract. Mr. ***** "reviewed" the contract with me conveniently leaving out all the hidden fees that would be debited from our account. In fact, when I asked about any other fees I was reassured that the only fees were the statement fee of $9.50/ month and the small percent (a little over 1%) in credit card sales. Well, Mr. ***** certainly mislead me. It started with a $30 equipment shipment fee and has only escalated from there! After reviewing my bank statement and realizing how much money was unknowingly be withdrawn from my account, I immediately called to cancel my contract with CPay. This was a horrible experience! I have literally never in my life experienced such horrible and rude customer service! Even the manager we demanded to speak with was rude, and unwilling to listen much less help. So I decided to call my local representative, **** *****, to help as he initially seemed like a nice guy. Well, to date Mr. ***** has yet to return a single call or email that has been sent to him over throughout the last month. This is not only unprofessional, but unethical as well. A month after canceling my contract with CPay (and NOT using their equipment) I sit here looking at my most recent billing statement (Oct. 31, 2013) from them. In addition to the statement fee (the only fee I was told I would be charged) I was also charged small amounts for MC Acquires License Fee, Visa Fanf 1B tier 01, non-validation fee, acquirer processor fee, mc nabu fee and a capture fee. Then they're still not done! At the bottom they add a $25 processing fee and an authorization fee bringing my grand total to $56.98 for a machine I am not using. This number is a lot different from the $9.50 I was initially quoted- although I should not even be charged the $9.50 considering I cancelled. It needs to be brought to one's attention if they are going to be charged outrageous fees (not just fine print at the bottom of the contract). And CPay certainly should not train their representatives to LIE and say that there is only one monthly fee when in fact there is 11 monthly fees! A large business may not notice an extra hundred or so dollars missing from their account each month, but when you barely make enough to pay the bills it doesn't go unnoticed when another business thieves from you. Not only is Central Payment an immoral company, but they seriously need to work on their customer service skills as well! I will dreadfully be calling for the 2nd time tomorrow to see to it that my contract gets canceled this time and that they STOP debiting unauthorized fees from me. And I hope for the sake of CPay they graciously straighten this situation out for me this time!

Desired Settlement: I agreed to paying the statement fee of $9.50/ month and the credit card sales fee (a little over 1% in credit card sales- I don't have my contract at hand to know the exact percentage). Thus, I don't mind paying what I originally told I was responsible to pay. However, I would like all other fees including the shipment fee to be refunded to my account. I would also appreciate ALL fees incurred in the month of Oct. to be refunded since our contract was suppose to be canceled at this time.

Business Response: Initial Business Response /* (1000, 8, 2013/11/26) */ Mr. ****** contacted our customer service department on 10/4 to review the fees on his account. A representative answered his questions and took it a step further by offering assistance adjusting his rates and fees to meet his needs, unfortunately the offer was declined. He was further offered courtesy credits on shipping fees (although CPAY pays for shipping) to assist and further accommodate his needs. This offer, too, was declined. ********* 30 day cancellation notification was received in November and the account will be closed at his request. Final Consumer Response /* (3000, 10, 2013/11/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) They area bunch if liars and I glad to be done wih them. Final Business Response /* (4000, 12, 2013/12/03) */ We have attempted to assist *******. Unfortunately we can only assist if we are allowed to do so. Central Payment confirms this merchant's account is closed.

12/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I LEASED A POS SYSTEM AND CARD TERMINAL THROUGH THIS COMPANY, SINCE THE DAY I RECIEVED IT I HAVE HAD MALFUNTIONS WITH THIS TERMINAL RETAIL POS. WE HAVE WENT THROUGH THE PROCESSES THE SAID THEY NEEDED BY CALLING WHEN AN ISSUE ARRIVES, THEYLL ADDRESS IT AT THAT TIME. THE PROBLEM OCCURES 4-5 TIMES DAILY WITH SCREEN FEEZING, PAPER RECEIPT NOT PRINTING, CREDIT CARD TERMINAL NOT WORKING AT ALL, TOTALS THROU OUT THE DAY GET LOST SO WE LOSE ALL OF OUR RECORDS FOR TRACKING MERCHANDISE AND TAX PURPOSES. WE NOW HAVE BEEN DEALING WITH THIS FOR 3 WEEKS AND I AM LOSING BUSINESS BECAUSE OF IT AND MONEY IS BEING LOST. WE HAVE TRIED TO GET THEM TO GET US A NEW SYSTEM OR TERMINATE OUR CONTRACT AND TAKE SYSTEM BACK BUT NOW RECIEVING NO RESPONCE ANY MORE. NO EMAIL OR CALL BACKS.

Desired Settlement: I AM LOOKING FOR ALL CONTRACTS TO BE TERMINATED AT 0 COST TO ME THEY PROVIDED ME WITH A FAULTY SYSTEM AND STILL TAKE THE PAYMENTS FOR SYSTEM FROM MY BANK ACCOUNT. THEY CAN HAVE THERE SALESMAN COME PICK UP ALL MERCHANDISE FROM MY PLACE OF BUSINESS, I DO NOT THINK I SHOULD HAVE TO MAIL THIS BACK TO THEM ON MY OWN EXPENSE.

Business Response: Initial Business Response /* (1000, 5, 2013/09/05) */ Central Payment has been made aware of this consumer's concerns. Our Technical Support department with assistance from the local representative are working diligently to resolve the problem. Final Consumer Response /* (4200, 13, 2013/10/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) JUST SIMPLY CLOSING THE ACCOUNT DOESNT REFUND AND MONEY THAT WAS TAKEN FROM MY BANK ACCOUNT WITH OUT PERMISSION, AND WHAT ABOUT THE TAX INFORMATION LOST? THERE HAS BEEN NO EFFORT ON THEIR PART TO RESOLVE THE ISSUES. Final Business Response /* (4000, 17, 2013/11/26) */ Mr. ********'s system was replaced. Central Payment has not removed funds from his bank account without his consent. If Mr. ******** is referring to his Lease payment, the company that he has a lease with is Northern Leasing. Mr. ******** is more than welcome to contact the Director of Merchant Relations in order to address further questions he may have. We are more than happy to assist.

11/7/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Cancelled Account and never processed. After, unauthorized charges continue. On 4/18/13 we sent the company our cancellation paperwork. They continued to send bills until 8/31/13 for services. They claim the paperwork was never received and will not grant a refund for the money while their services were not actually in use.

Desired Settlement: we simply would like a refund of the $484.67 that was charged from our account from 5/31/13 to 8/31/13. The charges are as follows: $63.35 & $89.30 - 8/31/13 $74.35 - 7/31/13 $65.40 & $59.40 - 6/30/13 $58.52 & $74.35 - 5/31/13

Business Response: Initial Business Response /* (1000, 10, 2013/10/22) */ ***** states in his complaint that the account was never used. CPAY holds records of the account being used and further have documented when ***** called our office to cancel. While CPAY requires a 30 day notification of cancellation, as a courtesy Central Payment received and expedited the closure right away in September 2013.

11/7/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: contract issue and false advertising. unclear points in the contract for the small business.unfair charges and fees in the contract. bad sevice I had a business and I closed down because the economy is bad .and my contract was with central payments merchant services . the contract it's not saying any thing about the business when it closed down and early termination fee . we understand the processing companies they help the business to process there transaction for them when they are in business .and there is no other reason to keep charging the business when they are not in business or if there is no transaction was made .because the processing companies collect their money from the transactions was made inside the business and the consumer who spend the money inside the business .the company should not collect the money from the business owner or from the business by it's self .BECAUSE WE ARE ONT A PORTNERSHIP

Desired Settlement: I am looking for the justice things only why we should pay the early termination fee if we are not in business anymore

Business Response: Initial Business Response /* (1000, 8, 2013/10/21) */ Central Payment received an application and agreement signed by ***** ******. CPAY verified the contract term of 18 months of processing (reduced from the standard 3 year agreement) with *****, which he agreed to. CPAY has documentation proving this. The cancellation fee for cancelling the account was $550. As a courtesy it was reduced to $450.

11/1/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Early termination fee is exhorbitant after a 3 year relationship. Auto renewal several months ago without our knowledge. Our non-profit organization has been processing through CP for over 3 years. Without realizing it, our contract automatically renewed. We chose to move our processing business to our local bank to avoid service charges of our checking accounts. Now Central Payment wants a $300 early termination fee, and will go no consideration to the fact we are a non-profit organization, have been a customer of theirs for over 3 years, and was not notified of an auto renewal on their part except through a contract we signed over 3 years ago. Where is customer service? Where is willingness to help those corporations that help others? Spoke with ***** and referred to **** with absolutely no consideration.

Desired Settlement: Want $300 early termination fee waived and account closed immediately without additional fees.

Business Response: Initial Business Response /* (1000, 8, 2013/10/16) */ This case was opened on 9/30 and has no merrit. Central Payment advised the consumer that as a courtesy ONLY, the cancellation fee would be waived on 9/27 and we only ask for their 30 day written notification, which was processed on 10/1/13. Regardless of waiving the cancellation fee, CPAY tried to work with this consumer in providing assistance and reduction in pricing so that they may honor the legitimate agreement signed. Unfortunately they declined.

10/31/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: my account was charged with extra fees,i spoke with the business consultant **** ******* about them.he toldme he´s going to reimburse me the bank fees central payment offer me savings in my merchant bill ,**** ******** THE BUSINESS CONSULTANT CELLPHONE *********** told me i have to pay only 195 dollars for the set up fees and i will get a free debit card processing machine , no others fees that all. then i recieve the machine and i review my bank statment and i see extra charges from central payment on my bank account plus the bank fees for overdraw this cause me a lot of problems in my account. i talked about this with the consultant **** ******** and he told me central payment will reimburse me the extra charges money plus the overdraw fees than the bank apply to my account. that was 2 weeks ago a most , i was waiting to see any reimburse in my account but i dont see any then a call **** ******** at cell *********** and i ask him to come because y was really upset with he´s company service because instead to save money i was loosing more money already and i want to cancel . he told me he´s going to come to the store and talk to me about it this was a week ago and he dont even come yet. i dont even plug the equipment yet because i dont want it , i dont want to deal with people who offer something and delivery something different. if you BBB can help me to solve this headache i will appreciate a lot thanks

Desired Settlement: refund of extra fees and the overdraw fees than the bank already apply to my bank account 08 01 13 ......$ 21.48 plus $37.00 overdraw 08 01 13 ......$ 14.01 plus $37.00 overdraw plus another charge of .25 cents that cause another $ 37.00 overdraw i dont plug the machine yet and they already charge me .25 cents that cause $ 37.00 overdraw fees. all this overdraw fees are because i deposit only the exactly amount to cover my payments nothing extra thats the reason when they apply extra fees is not extra money to cover them. I ask you BBB to help to deal with this issue than cause mi a lot of problems thanks.

Business Response: Initial Business Response /* (1000, 5, 2013/09/05) */ ***** did not report his concern to our corporate office. The day after his complaint was filed with the BBB our technical support dept reached out to him after multiple prior attempts to activate his account. It was at this time when ***** informed us of his concern, unfortunately refused assistance from different representatives. He was immediately contacted one more time from upper management, again, to assist and resolve his concern and once again refused assistance and ended the call instead. As stated in the explanation above, CPAY is more than willing to address and resolve *****'s concerns even though CPAY has no fault in this case. We are still trying to reach out to ***** to have this addressed but we can only assist if he speaks with us. Final Consumer Response /* (4200, 16, 2013/10/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) THEY NEVER CONTAC TO ME AFTER I SPOKE WITH ONE OF THEM REPRESENTAIVES BECAUSE HE START THREATHING ME ABOUT THEY GOING TO PUT A COMPLANT TOO AGAINST TO ME.THIS PERSON I WAS REALLY RUDE . AND AS ISAY BEFORE I DONT WANT TO DEAL WITH THIS COMPANY BECAUSE THEY INSTEAD OF HELPING ME AS THEY SAID IN THE BEGINING THEY ONLY CAUSE ME PROBLEMS AND MONEY LOSES. THEY SAID I GOING TO SAVE MONEY IF I USE THEY SERVICE BUT THEY LIE BIG TIME. Final Business Response /* (4000, 14, 2013/10/15) */ CPAY would still like to extend ***** assistance with the account he asked us to set up for him to honor the agreement he signed. We have made attempts to reach ***** to assist and resolve his concerns with no success in getting in contact with him.

10/28/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: We signed up for a credit card machine for our business. The contract was voided and they are still billing us after many, many phone calls We got their card machine and it did not work. Then they charged us for fees we did not know about. It was terrible. After many calls to *****, the manager, he ended our contract. They continued to debit our business account. We called, they reversed the transactions. Then, they kept debiting our business account to the point that the bank closed our account due to NSF fees and lack of funds. We had to take the money out so they couldn't get any more. They are now billing us for the debits that were rejected on a contract that was voided! This company keeps assuring us they have corrected the matter and each month we get debited or billed. We have had to open a new business account and now we can't get anyone to call us back on this matter. We have been dealing with *****, as the manager and ***** ***** was our local rep. We have bills for June and July in the amount of $48.00 per month. We're very concerned that by not paying these, they will go to collections. This company needs to correct the matter and they need to stop billing us, stop trying to debit the account and they need to make this right and stand behind the termination of this contract.

Desired Settlement: We would like to seek some compensation for the closing of our business account and the hassle they have put us through. We are not trying to get rich from this but we feel that $100 is in order to recoup funds that they have cost us and for the inconvenience of the bank closing our business account. If they refuse to make this right, we will file a small claim against them for harassment and fraud of our bank account. Please help us get this matter settled.

Business Response: Initial Business Response /* (1000, 5, 2013/08/13) */ ******** account is closed. CPAY has also credited ****** for the June and July fees. Final Consumer Response /* (3000, 13, 2013/09/10) */ Thank you. I am satisfied with this as we have not received another billing to this date. The only other thing I would ask is that the rep we dealt with, ***** *****, has an original contract with our current credit card provider that he used for comparison, that he promised to return to us. We have been unsuccessful at reaching him to get our document back. We would appreciate the return of it. Thank you Final Business Response /* (4000, 17, 2013/10/15) */ Unfortunately Central Payment is not in possession of said document.

10/7/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Misleading and fraudulent presentation by the salesperson On Sept 23,2013 I answered an obvious cold call from ******* ***** offering me a service financing plan through Wells Fargo for my service customers. We spoke briefly about the program and he set up an appointment the next day. When he arrived he met with my wife and I to discuss the financing options. He also told us that in order to be PCI compliant and use the Wells Fargo program we must switch credit card processors to Central Payment. He guaranteed that Central Payment would beat my current processors rates and get my deposits the NEXT day, guaranteed! Well he shoved that down our throats and was not only misleading (Wells Fargo has no such program at all!) he told us that if we were PCI compliant which he guaranteed we would be the first day he installed the terminal we would never pay a PCI compliance fee. Enter the extremely fine print, If we are PCI compliant we pay $85.00 a year minimum, if we aren't we pay $23.95 a month! He did not go through the PCI compliance at all and I have not heard from him anymore. I also found out from another agent that there is no next day deposit, it is 48 hours just like our previous processor. He kept rescheduling the "webinar" to set up the funding part (we still were not aware it didn't exist at this time) from Friday Sept 27th, too busy, to Monday Sept 30th, sinus infection, to Tues Oct 1 at 9:30am. Its 4:30pm and he hasn't arrived or called. I contacted Central Payment this morning to try and cancel the contract, they informed me that I owe them $550.00 early termination fee since my 72 hour window to cancel the contract had expired, now I know why he kept re-scheduling knowing full well that there was no webinar to have and no financing to acquire until the 72 hours expired and his lies would be exposed. We are victims of blatant fraud! And now they want to basically steal money from me I guess I owe them a duping fee. All Central Payment said was "didn't you listen to the verification call?" I mostly did, but I trusted their salesman at the time and was still under the impression that setting up the processing account was a requirement to be able to offer the fictitious financing program. They were suppose to call me back sometime today, I haven't heard anything, we were also communicating via email and they stopped responding to that as well.

Desired Settlement: I would like to return their terminal. I would like the contract voided and it shouldn't cost me a dime. I was misled and lied to. I already paid $50.00 to ******* ***** for the account set up (which has already cleared the bank) and tax on the terminal which Central has already debited. I ran 1 credit card for $413.74 on Sept 30th. I want that money minus of course their minimum monthly fee of $25.00 plus discount rates and I would like to part ways with Central Payment forever.

9/12/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Was signed up for 2 credit card machines/contracts when I only wanted 1. Have been disputing this with company for almost a year with no resolution. My name is ******** *******, owner of ***** ****** Repair in Olean, NY. Central Payment representative **** ***** came to my store offering credit card services through Central Payment, at this time I was associated with two businesses.. The options **** ***** offered were to get 2 machines (1 for each business), or 1 machine with 2 accounts. I had agreed to the 1 machine with 2 accounts as the other business was in the process of closing. I was sent 2 machines and have been paying for 2 accounts since I signed up with ****. The moment I received 2 machines in the mail- I began contacting **** to get this resolved.... It has been almost a year and he does not return my phone calls or resolve any of these issues. I also spoke with customer service at one time and was advised of the hundreds of dollars ETF. This company has caused several overdraft fees in my bank account, I had to put stop-payment on Central Payment to avoid any further transactions, I am cancelling my accounts and switching to a different provider. The account that I currently use: Merchant#: ******** DBA Name: *** ****** Shop Stephanie ******* ********************* *************** The account that I DID NOT WANT: Merchant# 16671410 DBA Name: Revolution Hydroponics (which is no longer in business) Stephanie ******* 309 West State Street *************** I am able to provide proof that Revolution Hydroponics is no longer in business... , however I do not know how **** even started the account for Revolution Hydroponics as I was not the owner of the business! For the account I have never used- I have paid a total of $451.55 and the credit card machine has never been taken out of the box. October $28 ($25 monthly fee, $3 statement fee) November $28 ($25 monthly fee, $3 statement fee) December $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) January $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) February $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) March $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) April $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) May $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) June $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) July $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee) August $43.95 ($25 monthly fee, $3 statement fee, $15.95 PCI non-validation fee)

Desired Settlement: I would like a refund in full, and both accounts closed with no ETF.

Business Response: Business' Initial Response /* (1000, 8, 2013/09/05) */ Central Payment has reviewed both accounts. CPAY verbally verified the agreement of each account prior to processing and entering the account into our system. ********* was made aware of both accounts. CPAY has agreed and closed MID ********, releasing ********* from the legitimate 36 month agreement. Consumer's Final Response /* (2000, 10, 2013/09/12) */ (The consumer indicated he/she ACCEPTED the response from the business.)


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Customer Reviews Summary

11 Customer Reviews on Central Payment
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