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            ComplaintsforSeamlessChex

            Payment Processing Services
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            Complaint Details

            Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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            Complaint Status
            Complaint Type
            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I didn't sign up for the service, i try to reset my password somehow the link never works. I just want this account closed. Called customer service Sent several emails and tryed the chat option. Still no response.

              Business response

              11/13/2023

              Hi ********, SeamlessChex provides payment processing solutions for businesses.
              On 11/06/2023, you signed up for an account and indicated this would be used for personal purposes. 
              The reason you were not able to reset your password is because we do not support personal account types.
              You never uploaded any documents or billing information and your account was never charged.
              Per your request, your account profile has been deleted.

              Best Regards,

              The SeamlessChex Team

               

            • Complaint Type:
              Billing/Collection Issues
              Status:
              Resolved
              This company was so great from the time I signed up in August 2021 until early this month. But then I suddenly stopped receiving emails when a check was received, deposited, etc. I contacted ************************ on 11/17/2022. He was completely condescending, rude and combative. He doesn't like our website that reports on vaccine injuries. So they act very petulant towards me. ******* went on to say that our account had no SS-4 on file, despite the uploaded documents page clearly showing it being uploaded the day we opened our account in August 2021. You cannot even open an account without an SS-4. So he said our account is now marked as a "risk." It's so petulant, childish and tiring. Then today, 11/30/2022, I got in touch with ******. We were charged $38.37 for a check that was returned. First, ****** said that was a bank fee, despite knowing full well it was not a bank fee. When I responded that it was the ****% fee, then he acknowledged "This is charged regardless if a check is returned." ****** is even the one who wrote the company's online policy about this ("Seamless Chex does not charge if your checks get returned'). It's no use going back and forth with them. Guess I'm just out $38.37 because they personally dislike me because of our website. I would warn anyone to avoid this company if at all possible. They were so great in 2021, as long as you don't have to talk to these two guys. I still do not receive emails so I just to log in and view everything. They are trying their best to get rid of us. We'll find another processor in due course and ***** your wish.

              Customer response

              01/03/2023

              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 and the matter has been resolved.

               

               

              Hello,

               

              The business contacted us and resolved the complaint to our satisfaction. Thank you.

               

              *****

               

               

            • Complaint Type:
              Billing/Collection Issues
              Status:
              Answered
              On our about early September Seemless Chex made a deposit to a closed account. Those checks were never recovered our company was shorted $2,850. I was instructed by a **** of America rep that the checks would go to their corporate office and then mailed to us. Hurricane *** came and we have not received any mail to our business in close to 3 weeks.Several weeks later the account was closed during a natural disaster in ******* without any written, verbal or electronic notice. Our company losses exceed $16,780 between payroll funds, loans and other funding due to their mistake. I also cannot access any of the prior customer payment information to verify which payments have been or not been made.We have instructed all of our clients to contact Seemless Chex to obtain their payment information and check information.

              Business response

              10/24/2022

              Hi ***,

              Your account was set up for eCheck 21 which means you use our gateway and we submit your checks to your bank for processing. 

              All payment processing is handled by your bank.

              We are sorry to hear that **** of America closed your bank account but this is their decision and out of our control.

              As this complaint is related to an issue with **** of America and not Seamless Chex, we request that you kindly withdraw it.

              Kind Regards,

              -The Seamless Chex Team

               

               

            • Complaint Type:
              Problems with Product/Service
              Status:
              Resolved
              This merchant suddenly closed my paynote merchant 2 days ago and told me I had no way to use them, he told me my merchants were scammers, but we didn't, then today they stole me $1270 through the bank , I don't know what's wrong, and because in the middle of the transaction, the customer also sent the payment to us, the funds are on the way, we have delivered the goods to the customer, we asked him if these payments will end up in our bank or refunded When they got to the client's bank, they hung up.

              Business response

              09/12/2022

              Paynote is an ACH processing company that SeamlessChex owns. We received a list of invoices from this customer that our risk team determined are unlikely to be legit. The emails look made up and phone numbers are all ****** voice numbers. We tried calling all these numbers and nobody responded.  As a result, we debited the merchant $1200 to cover our potential financial exposure on this merchant. We have no intention of holding onto the merchants funds longer than necessary to cover our financial risk. We relayed this to the merchant below is our correspondence with the merchant. Please note, the merchant relayed that they would remove their complaint when we return the funds. We have been in business for 11 years and based on our expertise feel this complaint is illegitimate as we are simply billing this merchants account to cover our potential financial risk and do feel strongly that this merchant is fraudulent. 

               

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              Customer response

              09/14/2022

              Better Business Bureau:


              I have blocked payment through the bank. I have now completed this service. Their service is terrible. All orders have been completed by customers, so we can't define how customers pay. We provide customers with three payment methods, and none of them has any problems. Only they have problems. Their service is terrible. If they steal my money again, I will send a complaint again. Finally, to clarify, we are just the sellers. Unlike this company, they are just swindlers

              I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

              Sincerely,

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



               


            • Complaint Type:
              Problems with Product/Service
              Status:
              Resolved
              6/29 - Sent email (Attached) to cancel services, Seamless Chex and Paynote. After I sent the email, I was charged another prepay month, ***** (Attached)7/1 - Since I had not gotten an email for confirmation of cancellation, I called. The person then put through my cancellation over the phone. I then asked when my balance would be refunded to my account. I was told it has to go through underwriting, which is inappropriate since I have no loan with them, have no risk, and don't owe them anything. I was being lied to.The nature of the dispute is that they are keeping my cash from me, $2400 (Attached) plus prepayment for a month of services that I have cancelled, $*****. (Attached) At best, I got the wrong information, and at worst, this is embezzlement. The business has not tried to solve the problem. The guy I talked to on the phone told me to send an email. They don't respond to emails which is why I had to call two days later to make sure my accounts were cancelled.My desired resolution is a refund of $24***** immediately sent to the bank account that they drafted this balance. My account is under ** ******

              Customer response

              07/08/2022

              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 and the matter has been resolved.

              Sincerely,

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



               

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              This company has continued to charge us monthly for an account that we have been trying to cancel since January 2022. We have tried calling their number; first, we left multiple messages, and now when we call we get a busy signal...what company or even personal number gives a busy signals anymore. This is a sure sign that this company is a SCAM. We have sent multiple emails since January requesting cancelation. Not only has the account not been canceled, but they haven't even bothered to respond.This morning I checked our email account and there is an email sent by them last night, WELCOMING US TO THE COMPANY! WHAT IS GOING ON!? I REPLIED TO THE ***** BUT I DON'T EXPECT A RESPONSE AND THE ***** IS GIVING A BUSY SIGNAL.To those reading reviews please DO NOT sign up with this company. Not only was the service useless (it resulted in multiple chargebacks and actually cost us more money than it brought in) but then they continue taking your money when you try to cancel and don't even bother responding by phone or email. This is surely a SCAM!We read previous reviews before signing up but they seemed to be very individualized issues. We were wrong. This company is definitely a SCAM! Please please beware and do NOT sign up with them!!!

              Business response

              07/23/2022

              Hello,

              There appears to be some confusion because the charges in the screenshot you are referencing are from another company called V5 *** RET PS and not us.

              Your account was signed up through one of our resellers and I believe the issues you are experiencing is from another payment processor. 

              Please let us know if this makes sense and kindly remove the complaint.

               

              Thanks,

              The Seamless Chex Team

            • Complaint Type:
              Billing/Collection Issues
              Status:
              Answered
              Beginning on or around May of 2000 a contracted with seamless checks to facilitate third party billing ACH for my company products we sell. I was told that it was a seamless process to ACH client funds to pay for our services. Over the course of the next 11 to 12 months this company refused to take any responsibility for closing four checking accounts blaming my bank for the issues. My team records every sales conversation calls the bank to verify the funds are there verifies account and routing number and with the customer on the phone checks were then processed and all were returned for forgery no account found among other reasons. I now have a difficult time opening a checking account and I'm out over $10,000 minimum in overdraft fees closed accounts with my money in them and the time it took to do this.

              Business response

              06/29/2021

              Hi,

              This merchant was approved to use our online check payment gateway not ACH processing. 

              The Seamless Chex payment gateway allows merchants to accept and generate check images, which are then printed and deposited into the merchants bank account.

              All checks are processed by the merchants bank just like a paper check. 

              If checks are returned it is the merchants responsibility, just like a paper check.

              Seamless Chex did not process any of these payments.

              We advised the merchant many times that all returns are their responsibility and this is clearly stated in the signed agreement on file.

              It's also important to note that this merchant operates in a high risk industry vertical which, is notorious for having high chargebacks/disputes/returns.

              This merchants Seamless Chex account has been closed as a result of customer complaints, delinquent payments,  and an outstanding balance of $282.93.

               

              Thanks,

               

              Customer response

              07/04/2021

              Better Business Bureau:

              I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

              When an organization offers a program that states on their website : SeamlessChex is a full service eCheck processing platform. Instantly verify your customer’s bank account, accept payment and receive fast next-day deposits directly into your bank account, yet 4 of my bank accounts were closed due to the originating bank claiming the checks that seamless "instantly verified" came back as fraud, forgery, account not found, account closed, not authorized, no account found and more, it is very hard for me to believe they are not responsible. Considering a large portion of the submitted business was recurring, with the switch to seamless, all of a sudden current clients payments were all of a sudden considered closed or fraud. I can't open an account at Bank of America, Regions, or Chase due to this problem and have hundreds of documents to back up my claim, as well as business bankers and fraud departments investigating their business practices.   

               

               

               

              In order for the BBB to appropriately process your response, you MUST answer the question above.


              Sincerely,

              ***** ****  



               

              Customer response

              07/26/2021

              Better Business Bureau:

              I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

              Seamlesschex provides a verification service prior to depositing checks that they claim verify their legitimacy "Balance verification technology to ensure checks do not bounce" is their claim. 80% of submitted checks came back as fraud, forgery, closed account, no account. What is the purpose of the technology. 4 bank accounts have been closed due to seeemless chex fraudulent promises and inability to perform. The Secret Service is investigating me because of the checks seemleschex said were good to deposit. I dont know what else to say. If they say their echeck process i mistakenly thought was ACH wasnt the issue. Their "technology" that was supposed to keep us from accepting bad checks, failed. .  

               

               

               

               

              In order for the BBB to appropriately process your response, you MUST answer the question above.


              Sincerely,
              ***** ****  



               

              Business response

              08/04/2021

              *****,

              While Seamless Chex does offer verification to authenticate and confirm bank accounts, this was not enabled on your transactions.

              Even if you did you enable bank verification on these transactions it is still possible to get returned items or chargebacks, as this is still a checking account and balances fluctuate throughout the day. 

              As your business is considered high risk it is expected that you will get a higher than average return and chargeback rate. 

              The best way to reduce returns and chargebacks is to provide responsive and accessible customer service.  

              Your bank has full discretion whether to accept deposits, hold funds, charge overdraft fees, or close accounts.

              Our recommendation would be to provide your bank the records of your sales conversations.

              We have no control over your banks decision to close your accounts.

              We hope you get a speedy and positive resolution. 

              Regards
              -The Seamless Chex Team

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