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:11/13/2025

  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 am not sure of the date. I was turned over to collections for $166.95 by Priority Systems LLC. I have never heard of this company. I called the collections company, and they said it was for a credit card processing fee that I owed from a business I sold 2 years and 8 months ago. I then called Priority Systems LLC to see if I could get a better idea of what was going on. After much reluctance, the lady on the phone looked up my previous business name and said I did owe the $166.95. I asked her why. She did not know. She said they process for several companies, and the company ********* said I owed them this money. She told me that I should call them. I told her that I was not going to call *********, as Priority Systems LLC was the company that turned me over to collections. I used the same credit card processor for the five years that I owned my business, and never used Riverside, Clover or any of the other less than reputable credit card processors. After I sold my business, I moved out of town, and moved on. I never received a bill, a call, an email - anything from Priority Payment Systems LLC to tell me I owed money. I have never heard of Priority Payment Systems LLC. This is how these shady credit card processors work. Look at their reviews on this site, look at their ****** reviews, they can say I owe them money, never get in touch with me, and then turn me over to a collection agency.

  

  Business Response

  Date: 11/17/2025

  Hello *****,

   

  Are you able to provide any notification of this collection so that we are able to research this for your further? Thanks 

  Customer Answer

  Date: 11/17/2025

  Here is the letter I received from Oxygen XL.

  This email was received AFTER Priority Payment LLC turned me into collections.  I NEVER received any type of correspondence from Priority Payment LLC prior to being turned over to collections.  I have never heard of Priority Payment LLC.  I called their office, and spoke with a gal who said, "It probably had to do with credit card processing because they deal with numerous credit card processors."  I asked to speak to a supervisor, and she refused, stating there was nothing more they could do for me.

  I had the same credit card processor the entire time I owned my business which was tied to my point-of-sale system.  I did not process with Priority Payment LLC, Riverside or any other credit card processor they may be affiliated with.

  Letter from Oxygen XL

  Creditor: Priority Payment Systems LLC
  Principal: $166.95
  Interest: $0.00
  Total Balance: $166.95
  Oxygen File: 111977731
  
  Dear ***** ****,
  This is to inform you that the balance due to Priority Payment Systems LLC is $166.95.
  Please mail in your payment today to this agency.
  You may pay online, by visiting: ***************** and following the prompts.
  If you wish to pay via phone or have any further questions, please call us at ************.
  This is an attempt to collect a debt and any information will be used for that purpose. This is a communication from a debt collector. NYC DCA #*******.
  Regards,
  
  ****** Pometkar
  Account Representative
  Oxygen XL
  
  Mailing Address:
  *********************************************************************************
  ************************************
  **************
  To opt-out of receiving e-mail communications, please CLICK here.

  

  Business Response

  Date: 11/19/2025

  Thank you *****,

  We will review and respond accordingly. Thanks 

  Customer Answer

  Date: 11/20/2025

   
  Complaint: 24144628
  
  I am rejecting this response because:  I am not sure if you are playing games or hoping I wont respond.  I supplied the requested information.  
  
  It is pretty simple, I was never a customer of ********************************************* LLC.   I was turned into collections by Priority Systems LLC without anyone ever contacting me.  The only way I found out I had been turned over to collections is because I my credit monitor alerted me.

  Here is what you can do to alleviate this situation.

  A formal statement on company letterhead to be sent to me via email confirming I do not owe the debt, the account was wrongfully sent to collections, and the report was made in error.
  

  You will contact Oxygen XL and instruct them to cease all collection efforts and instruct them to remove any entries that they placed on my credit report.

  Oxygen XL must notify Experian, Equifax, and ********** that they reported me in error.  I will require proof of all communications with these agencies.

  The stalling tactics are not going to work with me.  Please do the right thing and admit your mistake and correct your mistake.

  Thank you!

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

  

  Business Response

  Date: 11/20/2025

  Thank you *****,

  
  We are currently reviewing your concerns and will respond accordingly. Thanks 

  
  

  Customer Answer

  Date: 11/20/2025

   
  Complaint: 24144628
  
  I am rejecting this response because:

  Same response - please do not respond again until you actually have something with substance to say.  According to the directions from the BBB, I am required to respond to you.

  Same response!  I am not sure if you are playing games or hoping I wont respond.  I supplied the requested information.  
  
  It is pretty simple, I was never a customer of ********************************************* LLC.   I was turned into collections by Priority Systems LLC without anyone ever contacting me.  The only way I found out I had been turned over to collections is because I my credit monitor alerted me.
  Here is what you can do to alleviate this situation.
  A formal statement on company letterhead to be sent to me via email confirming I do not owe the debt, the account was wrongfully sent to collections, and the report was made in error.
  
  You will contact Oxygen XL and instruct them to cease all collection efforts and instruct them to remove any entries that they placed on my credit report.
  Oxygen XL must notify Experian, Equifax, and ********** that they reported me in error.  I will require proof of all communications with these agencies.
  The stalling tactics are not going to work with me.  Please do the right thing and admit your mistake and correct your mistake.

  Thank you!
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:11/13/2025

  Type:Service or Repair 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 am looking at a credit report showing that I owe a debt of about $555 to Priority Payment Systems, LLC, a company *** never heard of or have ever done business with. I havent received any form of communication from this company, but they have all of sudden popped up on my credit report saying I owe them money. This is incredibly frustrating and irresponsible. I will not pay a cent without any proof that I personally owe this debt.

  

  Business Response

  Date: 11/13/2025

  Good afternoon Sir,

   

  If you are reviewing this on  your credit report; could it be possible that it could be the merchant themselves? We are the processor which process for the merchant.  If you are viewing this on your credit report you should see a 16 digit number that starts with 5544, 8152 or 8739 which would allow us to pull up your information. 

• Initial Complaint

  Date:11/11/2025

  Type:Order 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.

  The *** came in and set this up for me I just started a company i dont even have a dealer ship license yet and they locked me in a contract for 48 months at 8:30 dollars a month I payed the first month because they took it straight out of my account left it in negative I called the company they said they wont do anything there gonna impact my credit and they mis***resented an 18 year old there *** told me way different from what they sneaked in on the paper work my business just started a couple months ago Im not making 45k a month thats obvious .

  

  Business Response

  Date: 11/12/2025

  Hello Mr. ***** can you please provide the name of your business and merchant number so that we may better  review your concerns. Thanks 

  Customer Answer

  Date: 11/13/2025

  This is the paper work I got 4 days ago. Never even had paper work ***** sherped threatened to ruin my credit and she wasnt gonna do anything about this.

  

  Business Response

  Date: 11/18/2025

  Hello Mr.Light, I have made contact with the sales agent and they advised that they will be contacting you to resolve your concerns. You will be contacted before end week. Thanks

  Customer Answer

  Date: 11/18/2025

   
  Complaint: 24133126
  
  I want the contract to be over resolved and over with it out of it and not do business with this company. So not sure why u needs your sells agent to get ahold of me get ahold of someone to delete this contract that I was mis informed of thanks 

  

  Business Response

  Date: 11/18/2025

  We completely understand your concern with this matter however because the agent set the account they will need to close the account. As previously advised the agent office will be contacting you directly to resolve your issue. Please let us know if you have any questions. 

  Customer Answer

  Date: 11/19/2025

   
  Complaint: they reach out to tell me they cant do anything and wont get me out of this contract or take the machines back 
  

• Initial Complaint

  Date:09/11/2025

  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.

  We just discovered that after over 2 years since we canceled our account, we are still being charged processing fees. Not sure why the accountant didn't catch this. He no longer works there. The credit card company didn't do or say anything even though there haven't been any ************ returned the equipment.

  

  Business Response

  Date: 09/19/2025

  Thank you for the opportunity to respond to this client's concerns
  We take their concerns seriously and want to ensure that their experience with us is handled with care. Upon reviewing our records, we do not have any indication of a request to terminate the account. Our policy allows for disputing fees within 30 days, and we encourage clients to review their bank statements regularly for accuracy.
  As a gesture of goodwill and recognizing the circumstances, we have closed the account and are offering a refund for the fees incurred over the past 90 days. We hope this resolution meets their expectations.
  Additionally, please be assured that we are reviewing our procedures to enhance our responsiveness to account concerns, and we appreciate all feedback in helping us improve our processes.
  If you have further questions, please do not hesitate to contact us.
  Thank you for your services.

   

  We also have approved a refund for ****** and you will received the refund between 9/22 and 9/23

  
  

  Customer Answer

  Date: 09/20/2025

  The first bank statement is incomplete, this one is better.

  

  Business Response

  Date: 09/22/2025

  Thank you for the opportunity to respond to this client's concerns

  
  We take their concerns seriously and want to ensure that their experience with us is handled with care. Upon reviewing our records, we do not have any indication of a request to terminate the account.

   

  Our policy allows for disputing fees within 30 days, and we encourage clients to review their bank statements regularly for accuracy.
  As a gesture of goodwill and recognizing the circumstances, we have closed the account and are offering a refund for the fees incurred over the past 90 days.

  We hope this resolution meets their expectations.
  Additionally, please be assured that we are reviewing our procedures to enhance our responsiveness to account concerns, and we appreciate all feedback in helping us improve our processes.
  If you have further questions, please do not hesitate to contact us.
  Thank you for your services.
  
  We also have approved a refund for ****** and you will received the refund between 9/22 and 9/23

  
  

  Customer Answer

  Date: 09/23/2025

   
  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:08/29/2025

  Type:Service or Repair 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.

  Was told by their salesman ****** ******* that there system would intergrate wirh my POS system. After 3 Months of trying to get thier equipment to work and being charged $90 a month for 2 Months for not processing cards through thier system. After no return calls from salesman I called Priority Payments to try and get the charges to stop coming out of my bank account. Was told they could not put a stop on it. I had no choice but to put a block on my bank account to stop the money from coming out and cancelled their service. Was told I would be charged and early termination fee for canceling service. After a year I recieved notice of being turned over to collections for the early termination fee. After several phone calls I was told they would not wave the early termination fee because I signed the contract. All around just terrible customer service

  

  Business Response

  Date: 09/05/2025

  Hello,

   

  After reviewing he complaint for the merchant we were able to reach out the partner and confirm their was some issue getting the system setup. There we are going to waive the collection of $445.00 and remove the client from collection. 

  Customer Answer

  Date: 09/09/2025

  I have already paid the $445.00 fees to the collection agency. Will I be reimbursed the money if I accept there offer? 

  

  Business Response

  Date: 09/09/2025

  Hello *****,

  Yes, you will receive a refund for $445.00, which was submitted last week. The refund will deposit in your account within 5 to 10 business days. Thanks 

  Customer Answer

  Date: 09/10/2025

  Hello,  It is not possible for them to deposit the $445.00 directly into my bank account.  I have a block from priority payment system on my bank account. I had to do that cause they would not stop taking fees out of my account while there ********************** would not work.

  

  Business Response

  Date: 09/12/2025

  Hello *****,

  We are reviewing to see if we can just refund the funds directly to you. I will respond with an update. Thanks 

  Customer Answer

  Date: 09/17/2025

  Waiting on response from business to see if they can refund money directly to me since they cannot direct deposit into my bank account. I can provide business a different acct to direct deposit if needed.  Thank You

  

  Business Response

  Date: 09/17/2025

  Hello,

  We approved the refund for ****** on 9/12. The refund will be completed 9/20 and should post to the merchant account within 5 to 10 business days from 9/20. Thanks 

  Customer Answer

  Date: 09/18/2025

  I understand the funds were approved. How will I recieve the refund if I no longer have a merchant account and ********************** is blocked from my bank account?  Thank You

  

  Business Response

  Date: 09/22/2025

  Hello ,

  A refund check will be mailed out to the address on file. 

  Customer Answer

  Date: 09/23/2025

   
  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:08/26/2025

  Type:Sales and Advertising 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.

  We were sold on credit card processors that could give us a 1% discount in our rates. Priority Payments underwrote the contract. Then after a week of sales they refused to deposit funds. They now hold 105k+ of our businesses funds. This has put tremendous stress on our cash flow and caused us to pay some of our employees late. Please release the funds. We sold the furniture to our customers and delivered it. It is not reasonable for you to hold our funds.

  

  Business Response

  Date: 09/09/2025

  Hello,

  Currently this matter is being handled with our legal department. Thanks 

  Customer Answer

  Date: 09/09/2025

   
  Complaint: 23799024
  
  I am rejecting this response because: I have not heard a response from the legal team and I continue to be charged by ******** even though they already have all of our fundings.
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 09/10/2025

  As of 09/10 Priority has addressed the issues raised in the complaint by letter from its attorney to the Client and its counsel.

  Customer Answer

  Date: 09/10/2025

   
  Complaint: 23799024
  
  I am rejecting this response because:

  You are still holding our funds and removing more funds from our business accounts. We demand a refund of at minimum 85% of our funds for now. We have delivered almost all of that product already.

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

• Initial Complaint

  Date:08/01/2025

  Type:Sales and Advertising 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.

  We were in Business as a Store until August of 2024. We had to close store location and no sales were processed after 15th of August. We contacted this provider stating that We had shut down the locations, and no longer using the services. It seems they have ignored this call as well as messages sent to them. the company seems to have sent it to collections. which affects the **************** name. We called Oxygen XL and they argued with Us stating. You didn't fill it out correctly so you Owe. They acknowledge that we closed the Account and services. So how do you continue to charge when account was closed. By Our business. This needs to be corrected and Priority Payment Systems LLC. Cancel the collections, as they acknowledged WE Closed Account.

  

  Business Response

  Date: 08/04/2025

  To whom it may concern,

  This merchant account *************** was closed in October 2024 but the September monthend fees ($178.95) (Insufficient funds) and October monthend fees ($79) (Account Closed) remained owed on your account plus an ACH reject fee of $30 was added your account.  The ********************** owed is $287.95.  No additional fees have been billed since you closed the account in October 2024.

  Please work with the collection agency to resolve the outstanding debt owed.

  Thanks

   

• Initial Complaint

  Date:07/21/2025

  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 previously used Riverside Payment for credit card processing.Priority Payment Systems, LLC was hidden there as a part of the contract. I switched services several months ago but they keep billing me. They are set up as an ACH payment then I changed my ACH filter with my bank so the amount is denied every month. Yet they keep trying to bill through Priority Payment System, LLC even I have finish with Riverside Payment last year! Then now, Priority Payment System, LLC send payments to the collections company. Also as their group, Cascade Equipment Leasing was trying to keep taking my money!

  

  Business Response

  Date: 07/29/2025

  Reach back out to Riversiade (Amiie *****), Ammi stated that they will be willing to meet the merchant in middle of the 2K balance . She also stated that she will reach out to the merchant to further discuss and will keep Priority posted.
  
  
  

  Customer Answer

  Date: 07/29/2025

   
  Complaint: 23632329
  
  I am rejecting this response because:

  I haven't received any call or e-mail

  from Priority Payment.

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

  

  Business Response

  Date: 09/25/2025

  Good afternoon BBB,

   

  The attached documents pertain to the lease and MID closure as of March 2024. However, the merchant account was forwarded to collections for payment prior to that date. The partner office has waived the early termination fees associated with both the lease and MID moving forward.

  Customer Answer

  Date: 09/26/2025

   
  Complaint: 23632329
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******** *****

  

  Business Response

  Date: 09/26/2025

  Good morning,

   

  Unfortunately, per the partner (Riverside) response they are willing to work with the merchant on the amount that is owed and the merchant can reach out to ********* directly to discuss the details . The  direct contact number is **************

  Customer Answer

  Date: 09/26/2025

   
  Complaint: 23632329
  
  I am rejecting this response because:

  I called the Riverside Business phone number, but never hear back from them! 
  
  Sincerely,
  
  ******** *****

• Initial Complaint

  Date:07/16/2025

  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 have received an email requesting payment for services that I did not solicit. I am not sure who this business or company is, and I have had no contact with them to my knowledge. If they wish to reach out to me and explain how or when I used their services for any reason, I am happy to take their phone call. However, they cannot charge me for services that were not ever rendered nor agreed upon.

  

  Business Response

  Date: 07/22/2025

  Good morning,

   

  This complaint comes from a collection that the merchant received due to inactivity. We have encouraged the merchant to call into our collection to clear this issue. Thanks  

  Customer Answer

  Date: 07/22/2025

   Complaint #********
  Status: Not Resolved
  To the Better Business Bureau and Priority Payment Systems:
  The response from Priority Payment Systems (PPS) is insufficient and does not resolve my complaint. As of today, I have not received any documentation validating the alleged debt, nor has PPS addressed the legal and procedural issues raised. Below is a clearly itemized list of outstanding requirements:
  
  1. Contractual Validation
  PPS must provide a copy of any signed or electronically agreed-upon contract between Priority Payment Systems and myself, ******** ***** ****** / *********************. This must include:
  A- The full contract with all terms
  B- Date and time of agreement
  C- Method of signature or capture
  D- IP address, device ID, or ********************** log (if electronically signed)
  E- Documentation of affirmative consent under the E-SIGN Act
  
  2. Itemized Breakdown of Charges
  A- Submit a detailed, itemized account statement showing:
  B- All dates and amounts of charges
  C- Any interest or fees applied
  D- Clear explanation of how the balance of $181.12 was calculated
  
  3. Account History & Withdrawals
  Provide documentation of:
  A- All payments received from my bank account
  B- Dates, amounts, and method of withdrawal
  C- ****************** or statements sent regarding these charges
  I am legally entitled to a complete accounting of all payments withdrawn under this disputed agreement.
  
  4. Notification History
  *** must document all attempts to notify me of any balance due or impending collection activity. Include:
  A- Dates of communication
  B- Method (email, mail, phone, etc.)
  C- Copies of any invoices, statements, or notices sent
  To date, I have never received a formal bill, invoice, or account statement from either Priority Payment Systems or Wholesale Payments since the fraudulent initiation of an alleged contract in March 2024.
  
  5. Relationship with Wholesale Payments
  A- PPS must clarify its relationship with Wholesale Payments and explain the role each entity played in:
  B- Onboarding my business (****************)
  C- Setting up the account
  D- Processing or withdrawing funds
  E- Authorizing the referral to OxygenXL Collections
  Failure to clearly disclose this information appears to be an intentional obfuscation designed to complicate accountability.
  
  6. Collection Violations
  I have attached a letter from the collection agency ********, acting on **** behalf. This letter fails to meet legal standards for debt validation and was sent without the documentation required under the Fair Debt Collection Practices Act. ******** has since closed the file and withdrawn the collection due to PPSs failure to provide supporting documentation. *** is responsible for the conduct of agents acting on its behalf.
  
  7. Resolution Requirements
  This matter will remain unresolved until:
  A- All documentation requested above is provided in full
  B- The alleged debt is formally dismissed
  C- A refund is issued for any funds withdrawn under an unvalidated or fraudulently executed agreement
  
  Final Notice:
  If Priority Payment Systems fails to respond to each of the above points, I will escalate this matter to:
  The ************************************ (****)
  The ************************ (***)
  The ******************************
  All applicable licensing and regulatory boards
  I have also attached the communication with OxygenXL to further support my claims. This complaint remains active and unresolved.
  Sincerely,
  ******** ***** ******
  Owner, ****************
  ******************************

  

  Business Response

  Date: 09/22/2025

  We are currently reviewing the account and will respond as quickly as possible. Thanks

  

  Business Response

  Date: 09/23/2025

  According to the agent office at Wholesale, ******* confirmed that the amount remains payable due to the **** The partner is unable to waive the $180.00 collection fee that is owed

  Customer Answer

  Date: 09/23/2025

   
  Complaint: 23609477
  
  Status: Not Resolved
  
  To the Better Business Bureau and Priority Payment Systems (PPS):
  
  The September 23, 2025, response from PPS is unacceptable. It came more than two months after my detailed July 22, 2025, submission and fails to address a single one of the documented issues.
  
  1. *** has not produced a contract, audit trail, or itemized billing statement.
  2. *** has not explained its relationship with Wholesale Payments or how my information was misused to open an account.
  3. *** has ignored all questions regarding notification history and failed to explain how my information was handed to third parties without my consent.
  4. *** has disregarded the fact that OxygenXL, their own collector, closed the account at $0.00 in writing on July 22, 2025.
  
  Instead, PPS repeated the same unsupported claim of an ETF, despite all evidence contradicting that position. This is not a good-faith response it appears to be an attempt to stonewall, delay, and cover up the underlying fraud.
  
  At this point, I do not know how many other third parties may have had my sensitive information shared with them. **** refusal to clarify or provide records raises serious concerns of identity fraud and consumer data misuse.
  
  Final ******************start="1616" data-end="1619"> This complaint cannot be ****ed resolved. PPSs evasive conduct, two-month delay, and refusal to produce records demonstrate a pattern of concealment. I request that BBB **** this complaint as UNRESOLVED and escalate for further review.
  
  Sincerely,
  ******** ***** ******
  Owner, ****************
  ******************************

  

  Business Response

  Date: 09/25/2025

  Good afternoon,

   

  After further reviewing the account we have concluded that the merchant does have 0.00 balance and have been cleared from the collection agency. Please know that we do apologize for any confusion that this has caused. 

  Customer Answer

  Date: 09/30/2025

   
  Complaint: 23609477
  
  I am rejecting this response because:
  
  Status: Not Resolved
  
  To the Better Business Bureau and Priority Payment Systems (PPS):
  
  PPSs most recent response is not acceptable. While they now admit that my account shows a balance of $0.00 and has been cleared from collections, they have once again failed to address the central issues of my complaint:
  
  1. Fraudulent *******************start="736" data-end="739"> PPS has never provided a contract, audit trail, or any documentation showing I consented to open an account. My business was onboarded without my knowledge or authorization.
  
  2.Unauthorized *********************start="951" data-end="954"> PPS has never explained how my personal and financial information was passed from Wholesale Payments to PPS and then to OxygenXL without my consent. This is a serious breach of data privacy and creates ongoing identity theft risk.
  
  3.Misrepresentation
  PPS has contradicted itself multiple times:
  -July 21: Their collector (OxygenXL) demanded $181.12.
  -July 22: The collector closed the account at $0.00 in writing.
  -September 23: PPS told BBB that $180 was still owed.
  -Now: PPS admits $0.00 balance.
  
  This pattern is not confusion it is misrepresentation.
  
  4. Unresolved ****************start="1586" data-end="1589"> PPS has ignored my July 22nd itemized requests for:
  -Contractual validation under the E-SIGN Act.
  -Itemized account and billing history.
  -Documentation of withdrawals from my bank.
  -Notification history.
  -Clarification of their relationship with Wholesale Payments.
  
  Final ******************start="1910" data-end="1913"> This complaint remains entirely unresolved. *** cannot claim resolution by simply stating the balance is $0.00 while refusing to address the fraudulent onboarding, unauthorized data sharing, and misrepresentation that caused the harm in the first place.
  
  I request that BBB keep this complaint marked as Unresolved until PPS provides full documentation, accountability, and proper restitution has been provided.
  
  Sincerely,
  
  ******** ***** ******
  Owner, ****************
  ******************************

• Initial Complaint

  Date:07/16/2025

  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.

  This company was sub-contracted by my POS online platform. When I canceled with the primary company, they continued sending me bills even though I closed out with the original company. Now they are sending the bills to collections and not providing any invoicing. I haven't used the service in a year and they now they are going to collections.

  

  Business Response

  Date: 07/17/2025

  ****, 

  I show that the account was closed on November 21, 2024 but several months fees rejected prior to that date (Sept-Nov 2024).  Please advise of additional detail related to the amounts owed.

  Thank you

  Customer Answer

  Date: 07/17/2025

   
  Complaint: 23609412
  
  I am rejecting this response because: I made several attempts to close the account dating back to early 2024 with the parent company "Elite Merchant Services" of whom I originally contracted with. Look through your records and you will see I didn't receive any money through your service all the way back to early 24. I am rejecting this offer as Elite Merchant used your company without giving me full disclosure that I would be responsible for closing my account with you. Please see the attached email showing several attempts to close the accounts prior to November '24.
  
  Please delete the bill and close the collection as the services were not used and I was not properly notified that I would be responsible for closing my account with you, that Elite established.
  
  Sincerely,
  
  **** ******

  

  Business Response

  Date: 07/25/2025

  The rejects totaled $144.75 and the breakdown is below. I am also attaching the merchant processing application which contains language allowing us to debit the bank account for fees.  During this period, there were no attempts to contact Priority or the ************ to cancel the account.  

  ACH Return $24.95 (R08) November Fees / ACH Return $59.90 (R08-Payment Stopped) October Fees / ACH Return $59.90 (R08-Payment Stopped) September Fees.