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:12/02/2024

  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 owed Pavillion $170 because on the day the charges were presented to my account a charge of $612 came out of my account that I was unaware would be charged that day. This resulted in the $170 owed to ********* being returned for non sufficient funds. I immediately called Pavillion and explained the situation. The *** saw that my account has been in good standing for several years and she advised that once the account gets to collections (I did not have the money to pay the $170) based on the account's prior status some, if not all of the fees should be waived. The $170 has been since paid - $130 via bank debit and I mailed $40 to ************************************************. Along with a letter to please stop debiting my checking account - I will pay the returned check fees by mail.I was charged a total of $850 (17X50.00) by Pavillion in fees or the returned charges. They put each of these charges through my bank a total of 48 times over the course of 2 weeks. The charges were reversed because I did not have the funds in my account. I called Pavillion to try to work this out. The *** said Pavillion presents the charges 3 times only. Then I can call collections and they will work something out with me. I waited then called collections and asked if the fees could be waived and if not, can I make payment arrangements because I do not have the money to pay the fees charged. The *** said no. I work from 9AM to 8pm daily, we cannot have phones at work, so when Pavillion calls me I cannot answer. Pavillion closes before I leave work. Friday 10/29, Pavillion debited my account $890. Which will be returned to Pavillion - no money in my account. I called today, the *** would not even let me speak. I asked about payment arrangements again, he told me I would need to pay within 2 months. I cannot do that, I am just asking for a reasonable payment arrangement and to please stop debiting my bank account. I am just trying to work out a reasonable solution.

  

  Business Response

  Date: 12/05/2024

  **** ****
  *******************************************************************************
  BBB CASE NUMBER: 22626517
  
  Our Account Number: ***********
  
  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. 
  
  Our organization has decided to waive the associated fees once they are returned from your banking establishment.  In addition, we have assigned a manager to assist with your concern and further assist with any further inquiries.  Their contact information is below:
  
  Manager Name: ******* *****
  Phone Number: ***************
  Email: ************************************************************************************
  
  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 Inc.          

  Customer Answer

  Date: 12/11/2024

   
  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:11/26/2024

  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.

  For the past 3 weeks Pavilion Payment Check Services calls everyday to collect on bogus past due accounts related to online gambling. Additionally, they have sent 3 collection letters for the same bogus accounts. I have never participated in any online gambling, and rarely buy anything online.

  

  Business Response

  Date: 12/02/2024

  ****** ****
  *********************************************************************
  BBB CASE NUMBER: 22608624
  Our Account Number: VIP Preferred Number: *********** / ********, *********************, and **********
  
  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 11.05.2024, the patron of record enrolled though our VIP Preferred Check Cashing Program and the following information was captured within our operating system:
  
  Name:    ****** ****
  Address: ************************************************************************
  Phone Number: X** X** 1314
  Current Bank Name on File: MONTECITO BANK AND TRU
  
  On 11.07.2024, there were three transactions that were processed through our organization, for $3,500.00,$2,874.00, and $2,499.00. In addition, on 11.11.2024, there was another transaction processed through our organization for $6,127.00. These transactions were processed through our VIP Preferred Check Cashing Program through ************** CASINO, ************ AZ, and EAGLE CASINO & SPORTS.  For your review, we have included the transactional receipts within our operating system that were captured at the time of each transaction for review.
  
  Subsequently, our organization funded our clients and debited the patrons designated bank account on file- ************** AND *** per our Terms of Service. To date, all four transactions have been returned to our organization as ACCOUNT FROZEN.
  
  Per the request of ****** ****, our organization has ceased contact as of 11.29.2024 and have placed all these accounts in a dispute status.
  
  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 Inc.          

  Customer Answer

  Date: 12/02/2024

   
  Complaint: 22608624
  
  I am rejecting this response because i have never used any of these services.  I have been the victim of identity theft.  These charges are fraudulent, and therefore, I am not responsible for these charges. 

  It's clear to me that no one ever verified the identity of the person claiming to be me.  Did you run a credit report?  Verify my social security number?  Ask for a government issued photo ID and verify it was authentic? 

  Additionally, the phone number and email shown on the attachments are incorrect.  

  Sincerely,
  
  T. ******** ****

  

  Business Response

  Date: 12/03/2024

  ****** ****
  *********************************************************************
  BBB CASE NUMBER: 22608624_2nd response
  Our Account Number: VIP Preferred Number: *********** / ********, *********************, and **********
  
  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. 
  
  We are in receipt of your second communication received on *****. 2024. In your initial communication you asked our organization to cease any further contact as your desired settlement. Please be assured we honored your request upon receipt of the initial correspondence. We notated the VIP Preferred account within our operating system, and we took measures to cease calling any number that was associated with the account and cease the mailing of any further written communication.
  
  Our organization does perform risk mitigating screening when a patron enrolls into our VIP Preferred program in attempts to validate patron information. During this process, we did not receive any information that indicated any fraudulent activity or any associations with identity theft.
  
  Additionally, our risk management team was notified for further evaluation and assessment. Upon review, all the outstanding balances were placed in a fraud queue.  Please be assured that there is no financial liability associated with ****** ****.
  
  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 Inc.        

  Customer Answer

  Date: 12/04/2024

   
  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:11/09/2024

  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.

  HI, I've used Pavilion Payments before with ************. Yesterday, I just got notification that two charges for $1500 and $1625 were to be deducted from my account. I never deposited $1500 or $1625 into my circa account, and now Pavillion are trying to debit them from my bank account. I'm asking to have these transactions reviewed/ to stop trying to debit my bank account for them.

  

  Business Response

  Date: 11/11/2024

  ***** ******
  **********************************
  ************************************
  BBB CASE NUMBER: 22534665
  Our Account Number: VIP Preferred Number: ***********
  
  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 10.08.2023, the patron of record enrolled though our VIP Preferred Check Cashing Program and the following information was captured within our operating system:
  
  Name:   ***** ******
  Address: ********************************************************
  Phone Number: X** X** 0282
  Email:  ******************************
  Current Bank Name on File: *********** 360
  
  On11.05.2024, there were two transactions that were processed through our organization, for $1,625.00 and $1,500.00. These transactions were processed through our VIP Preferred Check Cashing Program through ********************.  For your review, we have included the transactional receipts within our operating system that were captured at the time of each transaction for review.
  
  Subsequently, our organization funded our client ******************** and debited the patrons designated bank account on file- *********** 360 per our Terms of Service. To date, our operating system notes indicate that the debit(s) to the patron have not been returned to our organization.
  
  If the patron of record did not conduct these transactions, they may dispute them with their banking establishment.  As a precaution, we have suspended the patron of records VIP Preferred account which will inhibit any further transactions from being processed through our VIP Preferred program. Once the transactions have been returned to our organization, a member of our team will contact the patron, and we can provide further guidance to relieve the patron from any financial obligation. Per our standard operating procedures, we request a signed affidavit of forgery or a police report. Unfortunately, we cannot begin this process until the transactions are returned as dishonored by the patrons bank.
  
  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 Inc.        

  Customer Answer

  Date: 11/14/2024

   
  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:09/23/2024

  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 being told to pay for transactions back in March and April you because of supposed deposit made from a bank account that wasnt even open anymore. I have no idea how that happened and then my information was passed along to a debt collector ****** **** and Creed. As soon as I looked them up they had nothing but negative reviews, scam mentions everywhere, and theyre not even BBB credited. When I log on to pavilion payments it shows no amount due. I have tried contacting both parties but cannot get a response back. I am frustrated about more time wasted and further action taken for charges that are bogus.

  

  Business Response

  Date: 09/24/2024

  ******* ********
  *************************************
  
  BBB CASE NUMBER: 22325429
  
  Our Account Number: ********** - **   -VIP Preferred Number: XXXXXXX8782
  
  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 04.20.2023, the patron of record enrolled though our VIP Preferred Check Cashing Program through **********. The following information was captured within our operating system:
  
  Name:    ******* ********
  Address: *********************************
  Phone Number: X** X** 0056
  Email: **************************************** 
  Bank Name: ********* NATIONAL ASSOCIAT
  Routing Number: *********
  Account Number: **************         
  
  On 03.31.2024 there were 9 transactions conducted for a total amount of $185.00.  On 04.01.2024, there were a total of 8 transactions conducted for a total amount of $330.00.  On 04.03.2024, there were 4 transactions conducted for a total amount of $85.00. These transactions were processed through our VIP Preferred Check Cashing Program through ************
  
  Subsequently, our organization funded our client ************ and debited the patrons designated bank account on file the next business day per our terms and conditions.  All 21 transactions were returned to our organization as ACCOUNT CLOSED by the patrons of records bank ****************** AS.  In addition,each returned transaction was assessed a $25.00 service fee per our terms and conditions.
  
  We attempted to contact the patron via the mail and called the patron during the time frame of 04.04.2024 08.02.2024. During this time frame, our operating system notes indicate that we did not have any successful contact with the patron of record.Subsequently, these accounts were written off as a loss and placed with a third-party recovery agency.
  
  Please be assured as of 09.24.2024, our organization has requested that the third-party recovery agency cease their recovery efforts. For your review, we have attached all the transactions that were guaranteed by our organization for your review. In addition, we have provided the patron of record with a direct point of contact to assist for any further inquiries. 
  
  Name:    ****** ******
  Title:       Compliance and Recovery Specialist
  Phone Number:    *********************
  Email: *******************************************
  

  For your review, we have attached all the transactions that were processed and guaranteed by our organization and our Terms of Service. If these transactions were not conducted by the patron of record, our assigned associated will provide further guidance on the documentation needed to disassociate the patron from these transactions.
  

  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:08/22/2024

  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.

  ***************** is calling and sending bills that I am already paying back with the credit union. A *** from pavilion Payments checks says I owe them $650.

  

  Business Response

  Date: 08/22/2024

  *******************************
  **************************
  Inkster, MI. 48141
  
  BBB CASE NUMBER: 2217594
  
  Our Account Number: ******* - **********   -VIP Preferred Number: XXXXXX3192
  
  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 07.04.2024, the patron of record conducted several transactions through our VIP Preferred Check Cashing Program through MICHIGAN LOTTERY, our client. During this time frame, a total of 13 transactions were processed each for $25.00 and guaranteed by our organization.
  
  Subsequently, our organization funded our client MICHIGAN LOTTERY and debited the patrons designated bank account (CHIEF PONTIAC FCU) on file the next business day per our terms and conditions.  On 07.10.2024,all 13 guaranteed transactions were returned by the patron of records bank as INSUFFICIENT FUNDS.  In addition, per terms and services, each returned transaction was assessed a $25.00 service fee per our terms and conditions.
  
  For your review, we have included the patron of records enrollment and the transactions that were guaranteed by our organization and returned by the patrons bank for your review.
  
  On 08.14.2024, we spoke with the patron, and they did not dispute any of the transactions at that time but explained that they may not be able to rectify the outstanding balance at this time.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that in interim, we have ceased all recovery efforts and placed the claims in our dispute queue to allow for the patron to further research and review with their banking establishment.
  
  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: 08/22/2024

   
  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:08/06/2024

  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.

  The Pennsylvania lottery tried to debit the incorrect bank account for $100 instead of my established and verified bank account. When my bank refused, *********, who I had never heard of, but appears to be a liquidity providing middle man appears to have provided the $100 and began to contact me daily regarding paying my "debt". It took me about a week to understand that they were likely not scammers and what may have happened. It is still speculation on my parts as none of the other parties seem to be transparent or good at communicating the situation. Regardless, the PA lottery has frozen my account (at the behest of Pavillion?) until I can "verify" a non existent erroneous account number, while ********* attempts to contact me daily and now has added a random $50 service fee on the alleged debt.I have told the PA lottery and Pavillion representives each three times that I have no such account.I wager conservatively $1500/month,but both ********* and the PA lottery are willing to lose me as a customer over their error.If there was an honest mistake, the money is in my frozen PA lottery account and can easily be sent back to *********, but given the level of competence and customer service that I have seen to date from both parties, there is no way I am paying Pavillion the alleged debt and trusting that the PA lottery will release my money to make me whole.

  

  Business Response

  Date: 08/09/2024

  *****************************
  ******************
  ************************************
  
  BBB CASE NUMBER: 22100574
  
  Our Account Number: ******: *** Preferred Number: **********
  
  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 *** Preferred Check Cashing Program that allows them to link their designated checking 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. 
  
  On 07.08.2024 the patron of record enrolled into our *** Preferred Check Cashing Program.  
  During the online enrollment process the following information was captured within our host system:
  
  Name:             *****************************
  Address:          *********************************************************
  Phone:             ***-***-2573
  E-Mail:             ************************
  Bank Name:     THE JUNIATA VALLEY BANK
  Bank Routing Number: *********
  Bank Account Number: ********88
  
  On 7.15.2024, there were two withdrawals /disbursement processed by the patron of record for $173.35 and $162.00. These withdrawals / disbursements were processed by our organization and submitted to the patron of record bank on file THE JUNIATA VALLEY BANK associated to the bank account on file ending in ********88. In addition, there was another withdrawal /disbursement processed for $600.00 for the patron of record associated to the bank account on file ending in ********88. To date, our organization has not received any returned transactions as a result of the disbursements that were processed to the patron of records bank ending in ********88.
  
  On 07.23.2024, there was one deposit transaction for $100.00 processed and guaranteed by our organization for our client PA iLottery and the patron of record *** Preferred account was funded for the $100.00.  Subsequently,our organization funded our client PA iLottery and debited the designated bank account on file ending in ********88 the next business day per our terms and conditions.
  
  On 07.29.2024, the guaranteed deposit transaction for $100.00 which was funded by our organization was returned to our organization as INVALID ACCOUNT NUMBER by the patron of records bank THE JUNIATA VALLEY BANK. Per our terms and service our organization assessed a return fee of $50.00 for the return transaction.
  
  As a result of the return deposit transaction that our organization guaranteed, we temporarily suspended the *** preferred account on file. In lieu of the specific return reason, our organization deactivated the bank account that was on file ending ********88. On 07.31.2024, The patron of record spoke to one of our recovery representatives and the patron of record explained that they have no account number ending in ********88 with THE JUNIATA VALLEY BANK.
  
  To date, we have contacted our client, and they have advised that the patron of record has requested a withdrawal request in the amount of $153.40. If the account ending in ********88 which was previously utilized for withdrawals is the correct account, our client has requested that the patron provide them with a bank statement to ensure it is in the patrons name before they are able to process the withdrawal with that account number. In the event, the correct bank account is the account ending in********88, the patron must contact our organization to assist with this request.
  
  If the account ending in ********88 is not the correct account and is no longer needed,then the patron may choose to update their banking information online.  Once the banking information is updated, the client will notate their records that the account ending ********88 is no longer needed, and they may need a bank statement with the current banking information before the withdrawal is processed.
  
  Our organization has assigned a dedicated manager to assist the patron. Their contact information is below:
  
  Name: ***************************, Senior Manager, Customer Service
  Direct Phone Number: ************
  E- Mail: *********************************************************
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that in the interim, we have ceased all recovery efforts and have waived the $50.00 service fee that was assessed and placed the claim in our dispute queue to allow for the patron to further research and review with their banking establishment. In addition, we have attached the transaction our organization guaranteed, our terms of service, and the enrollment information captured within our operating system. 
  
  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,
  
  ************************; 

• Initial Complaint

  Date:08/01/2024

  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 recently received a phone call from ********************************** Collector with Pavilion Payments ********************************************** phone # **********************; fax# **************). She said I made 3 withdrawals on 7/8/24 using my VIP Preferred check cashing card (VIP number 1906) at ****************** in **********, ** and all three checks had been returned from ***************** ***** Bank. ******************* stated the checks had been cashed because I was a VIP card holder. Obviously, no photo identification was requested by Pavilion Payments. I informed her I have never been to ****************** and denied being responsible for any of the returned checks. She then emailed me photos of each transaction. The same woman was in all 3 photos and is not me. The ********** account is one that I had, it was closed in 2021. I emailed ******************* and informed her the photos are not me and I again denied any responsibility in owing the debts. I have also received written demands from Pavilion Payments. I am requesting assistance from the BBB to resolve this issue.

  

  Business Response

  Date: 08/04/2024

  ***************************
  *******************
  ***********, **. 70452
  
  BBB CASE NUMBER: 22072710
  
  Our Account Number: ******* - **   -VIP Preferred Number: 7773931906
  
  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 07.08.2024, the patron of record conducted several transactions through our VIP Preferred Check Cashing Program through ******************. The following transaction were processed and guaranteed by our organization:
  
  $600.00
  $1,000.00
  $1,00.00
  
  
  Subsequently, our organization funded our client MYSTIC LAKE CASINO and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.12.2024, these transactions were returned by the patron of records bank as NO ACCT/UNABLE TO LOCATE.  In addition, per terms and services, each returned transaction was assessed a $30.00 service fee per our terms and conditions.
  
  On 7.23.2024, we spoke with the patron of record and placed all the accounts in a fraud queue.  Per our standard operating procedures. In addition, we have ceased all recovery efforts and placed the patrons phone number in a do not contact status.
  
  Please be assured as our organization has written off the all the associated accounts as fraud.  At this time, the patron of record has been disassociated from any financial obligation to our organization and we have closed the patrons 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,
  
  Pavilion Payments Check Services, LLC.          

• Initial Complaint

  Date:07/31/2024

  Type:Sales and Advertising 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 was fraudulently charged through Betmgm for $3500. The amounts charged were repeated amounts of $500 and $1000 dollar increments. My email was hacked into as well as all of my phone records through ***** Ive closed all accounts and had to restart fresh. My bank has accounted for fraud and I have responsible gaming limits set through Betmgm that doesnt allow for that much to be deposited. Id like ********************************************* to recognize the fraud and collection attempts.

  

  Business Response

  Date: 07/31/2024

  *************************
  **************
  ********, **. 08005
  
  BBB CASE NUMBER: 22072710
  
  Our Account Number: EUSS6   08 - EUSS6  12   -VIP Preferred Number: 7777575445
  
  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 11.16.2020 the patron of record enrolled into our VIP Preferred Check Cashing Program with TROPICANACASINO.COM. The following information was captured during the enrollment process:
  
  Name:     SHAINA EUSTON  
  Address: ************************************************** 08005
  E-mail:    ********************* 
  Phone:    ***.***.3379
  Bank:       OCEANFIRST BANK
  
  
  On 07.18.2024, there were several transactions processed and guaranteed by our organization for our client BORGATA. There was a total of 5 transactions:
  $500.00
  $500.00
  $500.00
  $1000.00
  $1000.00
  
  Subsequently, our organization funded our client BORGATA and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.24.2024, these transactions were returned by the patron of records bank as ACCOUNT FROZEN.  In addition, per terms and services, each returned transaction was assessed a $35.00 service fee per our terms and conditions.
  
  On 07.26.2024, our organization mailed the patron of record a verification letter and all the transactions that were guaranteed by our organization.  On 07.31.24, our representative spoke to the patron of record and explained that these transactions were not authorized. Our representative dispositioned all the accounts as such, and they were placed in a fraud queue.  On 07.31.2024, a representative within our fraud department e-mailed the patron of record an affidavit of forgery form to be completed by the patron of record as we wait for the patron to submit this form back to our organization to finalize these transactions and disposition them as fraud. Please be assured, we have ceased our recovery efforts during this time frame.
  
  In the interim, if the patron has any further inquiries, they may contact our fraud specialist who will assist the patron with any further inquiries.
  
  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: 08/01/2024

   
  Complaint: 22072710
  
  I am rejecting this response because:

  My bank is stating that the charges are coming through BetMGM not Borgata. I have no account with ******* therefore wouldnt be able to make deposits if I tried. I feel an affidavit is time consuming in this matter and unnecessary. 
  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/02/2024

  *************************
  **************
  ********, **. 08005
  
  BBB CASE NUMBER: 22072710
  
  Our Account Number: EUSS6   08 - EUSS6  12   -VIP Preferred Number: 7777575445
  
  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. 
  
  Please be assured as of 08.02.2024, our organization has written off the all the associated accounts as fraud.  At this time, the patron of record has been disassociated from any financial obligation to our organization.
  
  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: 08/02/2024

   
  Better Business Bureau: thank you for your cooperation during this difficult time. I appreciate my account status being closed and owing no money due to fraud. I am pleased with the service thank you.
  
  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:07/26/2024

  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.

  On 7/16/2024 I attempted to make a $10 deposit via the PA Lottery app with a new credit card. The transaction failed multiple times before I received a message confirming the transaction's success. On 7/18/2024, however, a former bank account associated with my PA Lottery account (holding a balance of $0) was instead wrongfully charged $10 by Pavillion Payments. PA Lottery customer service verified that my transaction attempts were indeed made with the aforementioned credit card, however the charge was applied to the former bank account regardless. On 7/19/2024, the $10 was rightfully returned to my former bank account. On 7/23/2024, a $50 fee and another $10 was wrongfully charged to my former bank account. On 7/23/2024, Pavillion Payments' collections representative ***** claimed he "could not see" any charges and that I should "call back in a few days." On 7/24/2024, the $50 fee and the $10 was rightfully returned to my former bank account. On 7/26/2024, the $50 fee and the $10 was wrongfully charged to my former bank account. On 7/26/2024 Pavillion Payments' collections representative ***** again claimed he "could not see" any charges, before backtracking and transferring me a manager's voicemail box, despite me explicitly offering to resolve the $10 owed (via correct payment method).

  

  Business Response

  Date: 07/29/2024

  *************************
  *****************************************
  **************** 19054
  
  BBB CASE NUMBER: 22049142
  
  Our Account Number: ****** -VIP Preferred Number: **********
  
  Dear ***********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (***) 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 *** transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 07.16.2024, there was one transaction processed and guaranteed by our organization for our client  PA iLottery. Subsequently, our organization funded our client PA iLottery and debited the patrons designated bank account ***** OF AMERICA) on file the next business day per our terms and conditions.  On 07.22.2024, the transaction for $10.00 was returned by the patron of records bank as INSUFFICIENT FUNDS.  In addition, per terms and services, each returned transaction was assessed a $50.00 service fee per our terms and conditions. On 07.17.2024, our organization represented the transaction for $10.00 and the service fee for $50.00 to the patron of records bank account per our terms and conditions. To date, these transactions have not been returned to our organization.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that our organization guaranteed the *** transaction for our client and funded the patron of record.If the patron of record disputes the transactions that were represented to their bank, we shall treat this as a dispute per our standard operating procedures. In addition, our VIP preferred program is not utilized to process credit card transactions.
  
  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: 07/30/2024

   
  Complaint: 22049142
  
  I am rejecting this response because:

  The Pennsylvania Lottery confirmed in writing that my attempted payments were initiated via credit card, NOT Pavillions VIP Preferred Check Cashing Program. 

  You attempted deposits on July 16, 2024, with a card ending in 7147.

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

  

  Business Response

  Date: 07/31/2024

  *************************
  *****************************************
  **************** 19054
  
  BBB CASE NUMBER: 22049142
  
  Our Account Number: ****** -*** Preferred Number: **********
  
  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 *** 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. 
  
  As of 07.31.2024, we are in receipt of the transaction that was returned by your bank. As such, we have closed the claim as a dispute.  In addition, we have attached a copy of the transaction that was guaranteed through our *** Preferred Program. Please be assured all our recovery efforts have ceased in this matter and in addition, we have closed the *** 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,
  
  Pavilion Payments Check Services, LLC.       

• Initial Complaint

  Date:07/20/2024

  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.

  Pavilion Payments Check Services, LLC. My account is not closed and I did not attempt to make a transaction to STARDUST.

  

  Business Response

  Date: 07/22/2024

  *********************
  4205 *************
  *********, *** 18017
  
  BBB CASE NUMBER: 22018461
  
  Our Account Number: ********** -VIP Preferred Number: 7778777906
  
  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 03.06.2023 the patron of record enrolled into our VIP Preferred Check Cashing Program with GREENWOOD GAMING AND ENT.
  
  On 07.01.2024, there was a transaction processed for $10.00 through our client Stardust and guaranteed by our organization for our client. Subsequently, our organization funded our client Stardust and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.05.2024, the initial transaction was returned by the patron of records bank as account closed.  In addition, per terms and services, each returned transaction was assessed a $50.00 service fee per our terms and conditions.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we ceased all recovery efforts and have dispositioned the account as fraud. In addition, we have disassociated the patron of any financial responsibility and have not reported this information 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.       

  Customer Answer

  Date: 07/23/2024

   
  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,
  
  *********************