Sharon
Westlake Village,#2UPDATE Employee
Tue, January 13, 2009
BankCard USA is responding to the above referenced complaint. In reviewing the merchant's complaint, we have concluded to the following- 1. No refunds are due back to the merchant. The credit card terminal was used by the merchant. They processed credit card transactions on this terminal and received funds from their customers-the service and credit card terminal were both used by the merchant. 2. All rates and fees were disclosed to the merchant. These fees can be located in their signed merchant agreement (a copy of the merchant agreement can be provided to the merchant by request). The $25.00 monthly minimum is only charged if a merchant does not accumilate a total of $25.00 in fees (discount rate). This fee is also disclosed on their merchant agreement. 3. Although the cost of the actual terminal cannot be refunded to the merchant, BankCard USA has processed a refund as a courtesy back to the merchant. Our Customer Service Department has even offered to refund the merchant's bank fees that were charged to them. Your previous representative, Troy would not be authorized to process and approve the refund. Please contact our Customer Service directly at (800) 589-8200 ext. 31. They will process and expedite the refund for the months that you did not process any transactions. Additionally, BankCard USA has eliminated their Telemarketing Department. No other calls will be made to solicit your business into opening up a merchant account. We apologize for any inconvenience this may have caused you and your business. Please contact us with any additional questions or concerns you may have regarding this matter. Thank you, Sharon Tan Operations Department Bankcard USA (800) 589-8200 ext. 3512