Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/31/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There was a fraudulent charge attempted from my checking account for 2,150$, which was declined from my bank for insufficient funds, yet this Pavillion payments is claiming they paid it

  

  Business Response

  Date: 10/31/2023

  *************************
  ******************** W
  *************, **. 13057
  
  BBB CASE NUMBER: 20794843
  
  Our Account Number: ********** :VIP Preferred Number: 7778146073
  
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 2/10/22 the patron of record enrolled into our VIP Preferred Check Cashing Program with CAESARS SPORTS **. On 10.09.2023, there was a transaction guaranteed by our organization for $2,150.00. Subsequently, our organization funded our client and debited the designated bank account on file the next business day per our terms and conditions.
  
  The guaranteed transactions were returned to our organization on 10.12.2023. The transaction was returned to our organization as Account Closed.
  
  On 10.18.2023, our organization spoke with the consumer of record and the account was placed in a fraud queue.  In addition, per our standard operating procedures, we mailed the patron of record an affidavit of forgery form to be completed and returned to our organization.
  
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we have ceased all recovery efforts and have placed this claim in our fraud queue. In addition, we have closed the patron VIP Preferred account.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  ************************;             

  Customer Answer

  Date: 11/01/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/11/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a complaint against Pavilion Payments Check Services, located at ********************************************************. On August 29, 2023, September1, 2023 and September 7, 2023, I received notifications from my bank, ***************** that checks had been written for $10,000 (check *******) and $350 (check *******) made out to Pavilion Payments Check Services. I did not authorize these checks and I do not have any dealings with this business.I immediately contacted my bank and they have filed a fraud report. I have also filed a police report. I am requesting that the Better Business Bureau investigate this matter and I am requesting that the appropriate action be taken of releasing me of any financial responsibility due to these fraudulent transactions.I have received a letter from an alleged debt collector regarding these transactions. I am also asking that I no longer be contacted by them.I am available to provide any additional information that you may need.Thank you for your prompt time and attention to this matter.*********,***********************

  

  Business Response

  Date: 09/12/2023

  
  Better Business Bureau, Inc.
  Case Number:  ********   
  Consumer Name:  ***********************
  Our Account Number:  ********
  
  
  
  Date: 09.12.2023
  
  
  Dear BBB Customer Relations Advocate,
  
  ******************, LLC formerly known as Global Payments Check Services, LLC.  is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit.
  
  We were in receipt to your correspondence on 09.11.2023 and have investigated the matter in alignment with our operating system.
  
  On 02.18.2023, our records indicate that the patron of record enrolled into our *** Preferred Check Cashing Program and a welcome email was sent to ********************. We have attached the welcome email that was sent to the patron of record. Below is the enrollment information that was captured at the time of the patron of record enrolled:
  
  ***********************
  *******************************
  WEST *******, ** 45069
  Phone Number: ***.***.9637
  
  In addition, at the time of enrollment the following banking information was captured:
  
  Bank Name: FIFTH THIRD BANK
  
  Routing Number: 042000314
  Account Number: ********
  
  Prior to successfully funding your BETMGM account through our ACH program, patrons who utilize our service must accept our Terms of Service through the clients site. It is important to note that if a patron does not accept our Terms of Service funding will not occur. For your review, we have attached our Terms of Service.
  
  On 08.27.2023, there was a transaction processed for $10,000.00 through our clients site. This transaction was guaranteed by our organization, and we funded the patron of records account with ******. We have included the system record of the transaction that was guaranteed by our organization. Subsequently, per our Terms of Service, we debited the bank account that was enrolled by the patron of record on the next business day 08.28.2023. On 08.31.2023, the patron of records bank returned the transaction to our organization as INSUFFICIENT FUNDS and in addition, a service fee was assessed for the return.
  
  Please be assured that as of 09.11.2023 our organization has complied with your request to cease and desist.In addition, we have placed the account in a fraud queue for further dispositioning and our organization has notated our operating system.  In addition, the *** Preferred account has been permanently closed.
  
  Please feel free to provide us with the police report that was referenced in the complaint, or you can execute a notarized affidavit of forgery and return document to the address below. We have attached the affidavit of forgery that can be utilized.
  
  Attention: Fraud Department
  Pavilion Payments Check Services
  PO Box 480357
  *****, ** 60714
  
  We thank you very kindly for the opportunity that was created to address your concern and we apologize for any interruptions this may have caused you.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  
  Best Regards,
  
  Pavilion Payments Check Services LLC  

  Customer Answer

  Date: 09/19/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I won on GA Lottery Powerball online. I tried to retrieve the funds and was told (via message online) to add my bank account information or retrieve winnings through my bank account or PayPal. I never opened a bank account with Global/Pavillon Payments. After inputting my bank account information, their system errored and I was given a number ************ to call. The representative stated she needed to call their back office to manually enter my ***** Fargo ACH transfer information (to retrieve) for the winning ticket. Instead, a hard credit check was ran on my account to retrieve the funds. I never filled out an application for credit (why would I)? I was only following the message to retrieve my winnings. Their system already had enough funds on my account to purchase lottery tickets, but it pulled $62 that I will dispute on my bank account, because Im there to retrieve funds not debit more funds than needed to play online. Today, When I called back after the unauthorized inquiry, all I could get was an automated response. I need them to remove the unauthorized hard credit inquiry, put my money back in my account that was pulled 9/6/23 to buy tickets. I had over the amount on my account for future online purchases, and please do not submit credit inquiries on my account to retrieve winnings. Please exchange/return the unauthorized debit of $62 pending on my ***** Fargo account. You were supposed to be paying me-I had more than enough money to play the tickets I played.

  

  Business Response

  Date: 09/14/2023

  Better Business Bureau **** 
  Case Number: 20570756 
  Consumer Name: ******************************************
  OUR *** ID number: ********** 
  
  09/14/2023
  
  Dear BBB Customer Relations Advocate,

  
  ******************************************* Gaming Services ****(formerly Global Payments Gaming Services, **** AKA GPGSI) is a third-party payment processor. We provide check and *** guarantee services to Gaming merchants that accept physical and electronic checks (***) for services throughout theU.S. We received your correspondence and have reviewed the facts within our operating system. 

  
  On 09.07.2023 there was one WEB based enrollment with GA Lottery for *** processing with our *** Preferred Program. IMG_3197.jpeg shows the enrollment screen for *** enrollment. On this screen, there is a checkbox which must be completed before the *** enrollment is completed. The attached Terms of Service explain that a credit inquiry is performed on the *** Preferred accounts. 

  
  The *** Preferred account is not a credit nor a loan account. The credit inquiry can be disputed by the consumer with the ************* as unauthorized. 
  The *** Preferred account only uses the *** method for processing.GPGSI did not process a card transaction. IMG_3206 shows that $62.00 was processed via CARD6463, matching the **** card information in IMG_3205. The consumer will have to dispute the card transaction with GA Lottery.

  
  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us. 
  Best regards, 

  
  Pavilion Payments Gaming Services

  Customer Answer

  Date: 09/15/2023

   
  Complaint: 20570756
  
  I am rejecting this response because:

  I contacted the credit bureau this firm ran my credit on (Experian 9/7) and they advised that I needed to reach this firm and have them remove the unauthorized hard credit inquiry. I also attached their terms on the GA Lottery Website, and nothing states (as shown in my attached screenshots) that a hard inquiry is a part of the requirements to receive winnings. I feel their response is misleading, and appears to coincide with my understanding, but the hard fact remains, a hard inquiry to open a new checking account with them was the note on the reasoning for their inquiry. I did not authorize an inquiry and I will dispute their second debit for $62 on 9/7. By which is the same account as the *** request for my funds requirement their website stated was the only way to retrieve funds. My debit card is there to add funds, but cannot be used to retrieve funds. 

  My request is that this firm REMOVE the HARD INQUIRY OFF MY ACCOUNT. It was not authorized and I agree, I was not interested in establishing a bank account with this firm. But that is the reason the inquiry is listed through Experians alert (which I attached).
  The credit bureau advised that the inquiry can not be disputed. I must contact the the unauthorized firm, which makes no sense, but its what I was told.

  Sincerely,
  
  ******************************************

  

  Business Response

  Date: 09/19/2023

  Better Business Bureau **** 
  Case Number: 20570756 
  Consumer Name: ******************************************
  OUR VIP ID number: ********** 
  
  09/19/2023
  
  Dear BBB Customer Relations Advocate,

  
  ******************************************* Gaming Services ****(formerly Global Payments Gaming Services, **** AKA GPGSI) is a third-party payment processor. We provide check and ACH guarantee services to Gaming merchants that accept physical and electronic checks (ACH) for services throughout the U.S. We received your correspondence and have reviewed the facts within our operating system. 
  

  Per the patrons request, our organization has contacted Experian and have requested that the information be deleted from their credit inquiry.  As of 09.19.2023,we were informed that Experian has received our request and it may take up to 30 days to reflect on the patrons credit report.
  

  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us. 
  Best regards, 
  

  Pavilion Payments Gaming Services

• Initial Complaint

  Date:08/10/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received several transactions on my personal bank account a few weeks ago from *********** that I never authorized, I haven't been to *********** nor played online with them. I disputed all of transactions with my bank and the transactions have been reversed however today I received a letter from Pavilion Payments Check services claiming they are a debt collector looking to receive the money and the service charges for those transactions which i did not make. The letters have my old maiden name on them but my new address. I will provide bank statements and any other documentation you need to prove I never had any interaction with the ************** or any website related to them in regards to these transactions. These are fraudulent and i have already disputed the transactions with my bank and now that this letter is supposedly from a debt collector I do not want this to ruin my credit score that I am working hard to build up and keep up. This place is either a scam or they were given my information by someone else This was not me. I will Not contact them and provide any personal information or my voice on record for them to use as they want when I do not know how they even obtained any of my Banking information.

  

  Business Response

  Date: 08/10/2023

  Better Business Bureau, Inc.
  Case Number:   20451366    
  Consumer Name:  *****************************
  Our Account Number:   NEUH3 - NEUH3 04
  
  Date: 08.10.2023
  
  
  Dear BBB Customer ***************************************************************************************************** LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit.
  
  We were in receipt to your correspondence on 08.10.2023 and have investigated the matter in alignment with our operating system.
  
  On 09.26.2020, the patron within our operating system enrolled at our clients website -BETRIVERS.COM, **. At the time of enrollment, the below information was utilized to enroll into our *** Preferred Check Cashing Program:
  
  *******************************
  3 ****************
  *********************, ** 19079
  Bank Name: PNC BANK,NATIONAL AS
  Email: *********************** 
  
  Prior to successfully funding the patron of record, patrons who utilize our service must accept our Terms of Service through the clients site. It is important to note that if a patron does do not accept our Terms of Service funding will not occur.
  
  Please be assured as of 08.10.2023,our organization has ceased and desisted all recovery efforts associated with ***************************** and have permanently closed the *** Preferred account. In addition, we have placed the accounts in a fraud queue and have placed the consumersphone number in a do not contact queue. As of 08.10.2023, we have discharged any associated balances within our operating system as fraud and the balances associated with *******************************. We have no records associated with *****************************.  
  
  Currently, there is no outstanding balance due to our organization in this matter. In addition, please be assured that our organization has not reported any outstanding debts to the three main credit reporting agencies.
  
  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us.
  
  Best Regards,
  
  Pavilion Payments Check Services LLC              

• Initial Complaint

  Date:06/26/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received 2 letters notifying of 2 separate electronic debts. Letter body below:"This communication of from a debt collector.We are writing to you concerning the electronic debt which you presented to CAESARS - **. This transaction was not executed by your bank due to NO ACCT/UNABLE TO LOCATE.We would like to take this opportunity to explain our involvement in this matter. Pavailion Payments Check Services, LLC provides a guarantee service for customers who wish to pay for goods and services provided by merchants in the form of an electronic debt. When your electronic debt was returned unpaid by your bank, we were obliged to reimburse CAESARS - ** for this item.If the total balance due is paid in full to this office, all collection efforts shall cease.You may contact our ********************* toll-free at ************: Monday - Thursday 8:15am to 9:00pm CST, Friday 8:15am - 5:00pm CST and Saturday *8:00am to 12:00pm CST.THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE." (On the reverse side of this notice, it provides instructions to dispute & they will provide a copy of *************************** sent them a certified letter to dispute. They sent me some sort of receipts with my name & address, but not my phone number and someone else's email address. Images of receipts noted as not available. And, they requested a notarized affidavit of forgery or a police report. I have not incurred these electronic ************ have wrong information. I will also file a BBB claim with CAESARS - **, if I can find them. I will not be sending this company my personal information as an identifier, so not sure how this gets resolved. If you could please assist, that would be helpful. I have not checked my credit report, but these charges should NOT be on my credit report, as they are fraudulent. Thank you

  

  Business Response

  Date: 06/26/2023

  Better Business Bureau, ****
  Case Number:  ********    
  Consumer Name:  *******************************
  Our Account Number:   ******** AND ***********
  
  
  
  Date: 06.26.2023
  
  
  Dear BBB Customer Relations Advocate,
  
  
  ******************************************* Gaming Services **** (GPGSI) is a third-party payment processor.  We provide check and ACH guarantee services to Gaming merchants that accept physical and electronic checks (ACH) for services throughout the U.S.  We received your correspondence on 06.26.2023 and have reviewed the facts within our operating system.
  
  On 5.23.2023, the consumer of record enrolled into our VIP Preferred Program via our clients WEB portal which allows consumer to make deposits to conduct their gaming experience through our clients WEB portal Caesars- **.
  
  Below is the patron information that was captured at the time of enrollment:
  
  Name:     *******************************
  
  Address: *****************************
                  *************, ** 54873
  
  Phone:    ************ and ************
  
  Email:     *********************** 
  
  Bank Name: S AND T BANK
  
  
  As a result of enrollment and accepting our Terms of Services, there were two transactions that were processed on 5.23.2023 for $20.00 and $30.00. These two transactions were guaranteed by our organization for our client ******* **.    Subsequently,the merchant was funded by our organization, and we debited the patrons bank account on record the next business day. On 5.30.2023, the patron of records banking establishment returned both transactions for NO ACCT/UNABLE TO LOCATE. Per our standard operating procedures in alignment with our Terms of Services, a service fee of $30.00 was assessed for each returned transaction.As the guarantor of these transactions, our organization assumed all financial responsibility and attempted recovery efforts as a direct result of the two returns received by our organization 05.30.2023.
  
  On 06.20.2023, our organization received a dispute letter from the consumer, and we placed the account in a do not contact status and ceased our recovery efforts during this time. In addition, we mailed the consumer our standard debt validation letter including the enrollment information and transactional information that were processed on 5.23.2023.  Per our standard operating procedures, we asked if these transactions were conduct fraudulently and to provide our organization with an affidavit of forgery and a police report if available.
  
  In lieu of the most recent correspondence received through the Better Business Bureau, we have taken the necessary action to write off both transactions as a loss and have closed the debtor accounts as fraud. Please be assured that there is no financial responsibility to the consumer. In addition, please be assured that we have not reported any information to the three main credit reporting agencies because of receiving the two returned ACH transactions as this is not in alignment with our standard business practice.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.               

  Customer Answer

  Date: 06/26/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************