Complaints

This profile includes complaints for First Data's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  First Data

  600 Vel R. Phillips Ave Milwaukee, WI 53203

• 

  First Data Merchant Services

  2240 New Market Pkwy SE # 1183A Marietta, GA 30067-8771

• 

  First Data Merchant Services

  1169 Canton Rd Marietta, GA 30066-6066

• 

  First Data

  2300 Palm Beach Lakes Blvd Ste 310 West Palm Bch, FL 33409-3310

• 

  First Data Corporation

  13499 Biscayne Blvd. Tower Ste 4 North Miami Beach, FL 33181

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:07/16/2025

  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 am writing to formally file a complaint against Clover Merchant Services, also known as First Data Merchant Services, regarding their unethical business practices and failure to honor our account cancellation ********** 2022, we canceled our account with ****************************************************************. Despite this cancellation, we have been charged $212.90 annually for three consecutive years. We have made multiple attempts to resolve this issue directly with them, requesting the cancellation of our account and a stop to the ongoing charges. However, our requests were ignored, and the charges continued.Recently, Clover Merchant Services canceled our account after we switched bank accounts, which was a direct result of their refusal to stop charging us. To make matters worse, they have now sent our account to collections, further damaging our business reputation.These actions reflect a pattern of shady business practices that are unacceptable. We believe that Clover Merchant Services has not only failed to provide the service we expected but has also engaged in deceptive practices that have caused unnecessary stress and financial strain on our business.We request that the Better Business Bureau investigate this matter and take appropriate action against Clover Merchant Services to prevent them from continuing these practices with other customers.Thank you for your attention to this issue.

  Business Response

  Date: 07/22/2025

  Thank you for bringing your concern to our attention regarding the fees billed for your open merchant services account. The $212.90 amount was for your monthly merchant processing fee of $62.90 and $150.00 collection fee. As we were unable to collect the fees associated with your monthly cost it was placed into collections, however, as a courtesy we have waived the $212.90 collection balance. While we believe this resolves your concerns, nevertheless, do not hesitate to contact customer service at **************.

  Thank you,

  Fiserv

• Initial Complaint

  Date:07/15/2025

  Type:Product 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 a new bank account. ********************************************* online form denies my request to move my direct deposit to the new bank account. They say to call *********** to fix it but there really isnt any way to do so as it only confirms past deposits. This must be fixed within 36 hours or I will lose money and will be unable to pay bills

  Business Response

  Date: 07/22/2025

  Thank you for bringing your concerns to our attention regarding your Money Network card to our attention. In order to throughly investigate and resolve the issue you've brought to our attention, we kindly ask that you provide additional information.
  
  At this time, we details included in the complaint are not sufficient for us to take further action. Specifically, we require:
  
  -Full Card Number and/or
  -Full Address  
  
  Your cooperation is essential in helping us resolve this matter efficiently. Please reply with the requested information at your earliest convenience so we may proceed accordingly.
  
  If you have any additional questions or concerns for Money Network, please contact **************** at **************. 
  
  Thank you,
  Fiserv

• Initial Complaint

  Date:07/09/2025

  Type:Product 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.

  My middle class tax refund debit card still has balance of $115.26 according to Money Network website. My card has been being declined when attempting to purchase locally or online even tried to cash out from the bank. I called Money Network tried to get a replacement card and called more than 10 times since last year 2024. It would have the same error messages at the end told to to call another time. The phone number has no human contact at all. I searched the website and could not find any help either. Please help. Thank you.

  Business Response

  Date: 07/17/2025

  Thank you for bringing your concerns involving your Money Network account our attention. 

  We had a Money Network representative contact you today at the phone number on file with your account and what is on this complaint. The representative was able to successfully reactivated your card provided your account balance of $115.26 as of today.

  If you have any further questions, please reach out to Money Network **************** ****************.

  Thank you,

  Fiserv

• Initial Complaint

  Date:07/08/2025

  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.

  On around June 9th I contacted Money Network customer service after receiving an email notification that the phone number on my account had been changed. However, I did not change it. This alarmed me and so I logged into my online account and checked for any recent activity. I noticed a $400 pending withdrawal in hold status that wasn't done by me and so I called and alerted the *** I spoke to. Without any education being provided to me Without asking to investigate the matter further Without doing any research into how my account became compromised Without my authorization The ***resentative immediately informed me she was going to have to shut down my account for my own safety. She placed a stop on the **** $400 person to person transfer which I was happy about but I was locked out of my own account WITHOUT ANY FURTHER NOTICE, PROOF OF CLOSURE, OR ABILITY TO HAVE THE MATTER INVESTIGATED. I have had the account for a couple of decades and had a regular deposit that hit the account after it was closed and I called about it and was told it was a failed deposit and would eventually be sent back to sender. I am suspicious of Money Network's handling of my account closure and the failed deposit. I have no proof of anything! I spoke with a supervisor who didn't offer any creative solutions for how to resolve this matter. They want me to believe they care about my money and my account by closing it but won't show the same care Providing proof of my account closure Proof of the failed deposit Proof of the returned deposit back the sender Proof that the phone number updated due to fraud was removed from my now closed account records Proof that there were no other options for me to have kept my account Proof that they aren't obligated by law to research and investigate potential stolen data from their cardholders accounts and all other acts of fraudulent activity. I am asking for an update about the failed deposit and all other concerns, now. Please and thank u.

  Business Response

  Date: 07/24/2025

  Thank you for bringing your concerns to our attention regarding the experience you had with Money Network. Money Network's records reflect the account was closed due to the phone number being changed by an unknown actor and the $400.00 transfer. Additionally, our records indicate a transfer for $460.00 to CASH APP*TRULY *******ADD CASH APP* on June 9, 2025. If you did not make the following transfer please contact Money Network **************** at **************.

  Thank you,

  Fiserv

• Initial Complaint

  Date:07/07/2025

  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.

  Hello,I currently work for Braums, and we are forced to use a Money Network prepaid card for our paychecks. On May 14th, I purchased some clothing on an online site that I thought was Hollister. After I purchased, I realized I did not receive a confirmation and started looking and realized I had been scammed. I contacted Money Network, which said they would mail me a dispute form. I had to call back twice to get the form mailed, as it wasn't showing up. I filled out the form and sent it in, and again did not receive any kind of communication. I contacted the company again, and they said they denied the claim, and I would have to appeal. On May 29th, I emailed the dispute/appeal department all the evidence that I had. They have never given me my money back or contacted me. Today, my account was drained, and when I reached out to the company again, it was the same thing. Fill out a dispute form, and we will get back to you. They then locked the account and sent out a new card, but didn't tell me so. They also told me they didn't see anything regarding my old case. I believe this company is scamming people. I would love to use another option, but my boss doesn't allow it. The app will not allow screenshots, which makes it hard to provide evidence; however, I am attaching a copy of the email that was sent May 29, 2025, to the dispute department. The original case was for $78.10, and the amount taken today was for *****, making a total of $162.64.

  Business Response

  Date: 07/16/2025

  Thank you for bringing your concerns involving your Money Network account our attention.  We have initiated a chargeback to the merchant who has until August 5, ******************************************************* after that date to inquire about the chargeback.
  
  If you have any further questions, please reach out to Money Network **************** at **************.

  Thank you, 

  Fiserv

• Initial Complaint

  Date:06/26/2025

  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.

  6/10-6/11 stayed at hotel in **************. 6/10/25 bank card with Money Network is charged $155.66 and Money Network holds on to a pending charge of $155.66 so my account is debit twice. 6/20/25 MN=money network is still holding both charges in my account. I call the hotel they say they only have one charge . I call the card holder they want the hotel manager to provide the following, my paid in full invoice isnt good enough for them o release the unauthorized funds from my account Letter head Customer Name Last four card transaction Date of Transaction amount of transaction Statement affirming the pending transaction will not be posted to the account and that ********************** can be removed And an electric signature ********** is going to provide all this. They didnt even request the second charge that was all MN .

  Business Response

  Date: 06/30/2025

  Thank you for bringing your concerns to our attention regarding your Money Network card. As this is regarding a motel/ hotel pre-authorization hold the hold is automatically removed after 31 days. If you have any additional questions or concerns for Money Network, please contact **************** at **************. 

  Thank you,

  Fiserv

  Customer Answer

  Date: 06/30/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have personally spoke to the hotel manager, he  said the hotel is  not holding any pending charges from my stay, they only have one charge for this stay and the invoice is attached. Money network is unfairly holding this money in a pending fashion from my account because of their own ridiculous internal rules that infringe on withholding money unauthorized from my disability account . The hotel has repeatedly told me no they are not asking them to hold this money, The hotel provided the paid in full invoice that should be sufficient enough satisfactory evidence the transaction is complete. Please help me I have to use the money theyre withholding to pay my rent  and bills. At this point its going on a month no where did they disclose they will double charge me for a month. This is insane. 
  
  Regards,
  
  ******* *******

  Business Response

  Date: 07/10/2025

  Thank you for bringing your concerns to our attention regarding your Money Network card. As this is regarding a motel/ hotel pre-authorization hold the hold is automatically removed after 31 days. 
  
  At this time, we are unable to release the hold. To request removal, a signed letter on the merchants official letterhead must be submitted. The letter should include the following information: Cardholders name (as it appears on the account)

  Last 4 digits of the card number
  Date(s) and amount(s) of the transaction(s) in question
  A statement from the merchant, affirming that the pending transaction(s) will not post to the account and can be removed by Money Network.

  This documentation can be submitted via fax to *************** or by email to ****************************************** Alternatively, the cardholder may wait for the hold to automatically fall off within 31 calendar days, from the transaction(s) date(s)

  If you have any additional questions or concerns for Money Network, please contact **************** at **************. 
  
  Thank you,
  
  Fiserv

• Initial Complaint

  Date:06/25/2025

  Type:Product 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 been trying to end my lease and keep getting sent to different phone numbers, offices, places. I am told to mail my equipment to an address with a hand-written note describing the return. I requested a pay-off amount in writing on June 4. Was told I'd receive it in 72 hours. Have not received it. Every call to customer support rounts me to a different "company" with different India-based service ***** I didn't not intend to do business with this company. Rather I signed up for payment processing with Slice and have been farmed out to this company. I want to terminate my lease, return the equipment be done.

  Business Response

  Date: 06/30/2025

  Thank you for bringing the stated concern to our attention. To assist with the resolution of this matter please reply with your Merchant Number, Doing Business As name, or the associated Lease Number. Upon receipt we will be able to assist with the resolution of your stated concerns.

• Initial Complaint

  Date:06/24/2025

  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've tried numerous times to log-into their website to check my transactions. Even after I entered my correct Username and password, the websites refuses to allow me to log-in. The current balance on my debit is zero. When I contacted customer service, they refused to mail me a list of all of my transactions. I was also kept on hold with A.I. for twenty-five minutes.

  Business Response

  Date: 07/11/2025

  Thank you for bringing your concerns to our attention. A temporary password has been sent to the email address Money Network has on file and that matches this complaint. A separate email has also been sent to inform you of the temporary password was issued to assist in accessing his online banking account. For reference, a copy of the email sent to you has been attached. Please call Money Network **************** at ************, if you have any questions or concerns related to this matter. 

  Thank you,
  Fiserv

• Initial Complaint

  Date:06/17/2025

  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.

  *** had this prepaid bank account since i started working at ******* in 2006 for direct deposit. Ive continued to use it because it was convenient to withdraw and deposit cash while at work. Recently, apparently my account was compromised and they just closed my account . I cant use one of their checks or my secondary account. They didnt try to call or email me. They keep telling me that I have to get a new card from my store but they no longer use them so I have a little over $2000 in the account I cant even touch and I need it.

  Business Response

  Date: 06/25/2025

  Thank you for bringing your concerns to our attention regarding the issues you experienced with Money Network. As you old card was compromised the card was blocked and a new account was generated. Our records indicate you have recieved and activated your new card that ends in 9365 on June 24, 2025. While we believe this resolves your concerns, nevertheless, if you have additional questions, you may contact Money Network **************** directly at **************.
  
  Thank you,
  Fiserv

• Initial Complaint

  Date:06/17/2025

  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.

  Subject: Request for Immediate Contract Cancellation and Refund Due to Deceptive Practices Clover/First Data Hardware Services,I am writing to formally request the cancellation of my contract with your company, effective immediately. This decision follows multiple incidents of deceptive practices and misrepresentation on your part, which have led me to believe that your company has acted in bad faith throughout our dealings.When I initially entered into a contract with Clover/First Data Hardware Services, I was informed by your representative that my monthly fee would be a specific amount. However, upon reviewing my bank statements, I discovered that a significantly higher fee was being charged, which is in direct contradiction to what was originally promised to me.When I raised this issue with your representative, they admitted that they were unsure as to why the fees had increased to more than was discussed. More than discussed was being taken from my account, yet they failed to rectify the situation or provide a clear explanation. They was taking my money out of my account without the service being able to be used. This lack of transparency, combined with misleading information, has left me feeling that I was misled into signing a contract under false pretenses, in my opinion they are taking advantage of consumers and its not fair something needs to be done. In addition to the financial discrepancies, I also experienced rude and unprofessional behavior from your team after I had signed the contract. This treatment was unacceptable and further contributes to my belief that your company has engaged in unfair business practices.The company terminal has never been used and has been returned to them. Several demand letters has been sent out company has not responded other than sending billing statements.Zquita ******* Subscription number: ***************

  Business Response

  Date: 06/26/2025

  Thank you for bringing your concerns to our attention. The attached letter is in response to a recent complaint submitted by merchant Big Bens Place, owned by Zquita *******, in which she alleges deceptive practices related to her denied EBT (SNAP) application.
  After a full review, Velocity Merchant Services can confirm that there was no deception or misrepresentation involved in the handling of her application. The denial was issued directly by the ******************************* (***), not our organization, due to the merchants failure to comply with a mandatory component of the application process.

  As documented in the attached **** letter dated March 3, 2025, the merchants application was denied after she refused entry to the ***** contracted inspector on February 28, 2025. SNAP regulations (7 CFR 278.1)require a store visit to confirm eligibility for participation in the program.Failure to cooperate with this process results in automatic denial, which was the outcome in this case.
  Velocity Merchant Services records show that their representative, ****, communicated with the merchant during the application process and informed Ms. ******* that **** inspectors would begin conducting store visits at random times beginning February *******. The merchant now claims she was unaware of this and intends to pursue legal action; however, the attached **** determination clearly outlines the reason for denial as refusal of entry, and explains her appeal rights.
  Velocity Merchant Services are confident that all proper procedures were followed, and no deceptive practices occurred on their part.

  Thank you,

  Fiserv

  Customer Answer

  Date: 06/27/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear 

  
  To Whom It May Concern,
  
  
  Thank you for your response regarding my complaint. However, I must strongly disagree with the conclusions stated in your letter. The issues I raised go far beyond the **** denial and directly involve misleading and unprofessional conduct by Velocity Merchant Services.
  
  
  While I understand the **** is responsible for SNAP approval, I was explicitly told by your representative that I would receive advance notice before any inspectors arrived. That promise was not honored. Inspectors arrived unannounced, and I was not prepared to allow entry under those conditions. When I inquired about why I wasnt notified, the representative could not provide a clear answer and simply said he would email and check. This failure directly contributed to the denial, despite my willingness to cooperate under proper circumstances.
  
  
  Additionally, the representative also misled me about the financial aspects of your service. I was told a specific amount would be withdrawn, yet more was taken from my account without explanation or authorization. When I asked why, the representative again could not explain. These incidents form a clear pattern of misrepresentation and a lack of transparency that no business owner should be subjected to.
  
  
  Due to these repeated failuresincluding:
  
  
  False assurances about the inspection process
  Unexplained and unauthorized charges
  Lack of transparency and accountability
  
  
  
  
  I am requesting immediate termination of my contract, and a written confirmation that I will not be held responsible for any further payments. I returned your equipment unused, and I have not benefited in any way from this relationship due to your companys handling of the situation.
  
  
  If this matter is not resolved promptly and fairly, I will escalate it to the Better Business Bureau, my states attorney general, and the ************************, as well as consider taking legal action for breach of verbal agreement and deceptive practices.
  
  
  I expect confirmation of contract termination in writing within 10 business days.
  
  
  Sincerely,
  *********************
  **************
  *********************

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

   

  
  
  Regards,
  
  Zquita *******

  Customer Answer

  Date: 07/01/2025

  Subject: Formal Response to VMS Communication Regarding EBT Application and Contract Dispute
  
  
  Dear First Data
  
  
  Thank you for your response regarding my concerns. However, your message fails to address the full scope of the issues I raised, and I find your response to be dismissive and incomplete.
  
  
  To clarify:
  
  
  Misrepresentation and Deceptive Practices
  Your sales representative clearly stated that I would be notified in advance of any **** inspection, as your company would receive notice first. This was a key factor in my decision to move forward. Your current position contradicts what I was told, which constitutes misrepresentation. Whether or not your company was the entity that ultimately denied my EBT application is irrelevant your representative provided false information to secure my agreement.
  Unauthorized Charges
  I was quoted a specific price for your services, but a different, higher amount was withdrawn from my account without my authorization. Your representative acknowledged this and said they would investigate, yet I have not received a clear explanation or refund. Withdrawing funds in excess of what was agreed upon is not only unethical but potentially unlawful.
  Lack of Service Usage and Breach of Contract
  I have not used your services. Given the false information I received, and the unauthorized funds withdrawn, I consider this a breach of contract on your part. You cannot hold me to an agreement that was entered under false pretenses and that you have failed to honor in both pricing and service.
  Request for Contract Termination
  I am formally requesting that you void this contract immediately. I have not utilized your services, and your company has failed to uphold its end of the agreement. Continuing to enforce a contract based on deception and unauthorized billing is unacceptable.
  
  
  
  
  I will not allow your company to take advantage of my small business. I intend to pursue all appropriate legal and regulatory remedies if this issue is not resolved swiftly and fairly.
  
  
  Please confirm in writing that the contract has been voided and that no further charges will be made to my account.
  
  
  Sincerely,
  Zquita *******
  Big Bens Place
  
  

  Business Response

  Date: 07/14/2025

  Thank you for your follow-up regarding complaint ID ********.
  
  We would like to reiterate that Velocity Merchant Services does not schedule or control **** inspections. At no point do we, nor can we, provide advance notice of **** inspector visits. The **** conducts these inspections at their discretion and without prior notice, as part of their standard protocol to ensure compliance and integrity.
  
  In this case, the denial of your SNAP application was solely due to your refusal to allow the inspector to complete the required onsite inspection. This is clearly stated in the ***** determination. Our role in this process is to assist with preparing and submitting the application and related paperwork, which we fulfilled completely and accurately on your behalf.
  
  Regarding your concerns about account charges, please note that you signed contracts with Velocity Merchant Services that explicitly outlined all costs and fees associated with your account. You reviewed and agreed to these terms and charges prior to moving forward. After thorough review, we have found no discrepancies or unauthorized withdrawals.
  
  Based on the above, we are unable to terminate your contract. The equipment was issued and services were rendered as outlined in the signed agreement; therefore, the terms of your agreement remain in effect.
  
  We understand your frustration and regret that the **** outcome was not favorable; however, it is not the result of any error or misrepresentation on our part.
  
  If you have further documentation supporting your claims, please provide it so we can review. Otherwise, we consider this matter resolved.
  
  Thank you,
  Fiserv