Complaint Review: BEST PAYMENT SOLUTIONS CHICAGO ILLINOIS / TAMPA FLORIDA? - CHICAGO Illinois

BEWARE!! if you are a business owner in search of a merchant account, DO NOT GET CAUGHT IN THE WEB OF BEST PAYMENT SOLUTIONS!! this turned out to be a nightmare and a horrible decision as ive lost thousands and even worse, the damages to my business are endless and will take a year to fix, if i even stay in business!! i have a stripper business and joinded the best payment solutions as i cold called around and touched base with a cool sales rep. he processed my info and i was accepting credit cards right away. but then i noticed problems, the turnover was incredible, i could not build working relationships with people as no one stay very long, so i thought the problems were only beginning and i was right! i ordered simple stuff like credit card machines, plugs and the parts were not recieved! i always recieved many voice mails and never, NOT ONCE, DID I RECIEVE A CALL EVER TO RETURN MESSAGES! WITH THE EXCEPTION OF MY REP TO BS ME AN OFFER SOME RATE DISCOUNTS THAT NEVER DID SURFACE! my nightmare began when i had a customer chargeback on 4 thousand bucks!!! it was unreal!! months before this i had to be cleared on 5 thousand dollar transactions, they held my money for a month and treated me like a thief!!! they never answered the phone and claimed they called me but i never got even a vmail, they just randomly take your doe and hold it and dont even tell you anything! you get a different person everytime you call and theyre very insistent on being rude! i ran an average of 10 grand a month thru this merchant account sometimes 20k, so they made money from us! in 2007, i had zero charge backs so i thought wow, this was a good year!.

in 2008 recently, i had a 4 thousand dollar transaction from a regular customer, whom by the way had spend 20k in the past and was well known to us. to our surprise, on mar 15th i had 4 grand taken out of my account and i was debit for 4 grand! not only this, i was billed 50.00 bucks per chargeback to have it investigated!!!!!!!

i said oh, okay! so i was out the total of the sale as the customer charged back and i recieved huge amounts of overdrafts as i didnt even know the money was even being pulled out! i understand that this was policy they say. so i had to copy all of the signed sales slips the customer used in his purchases at out business.

he spent 4 grand, and then charged back claiming he didnt recognize the 4 grand in charges!! so i sent my textbook printed sales slips as required by visa mastercard regulations. they were dated, signed, with imprint of the cards! i was told by the chargeback people that my slips were completed very well, and that i should have the chargebacks reversed in my favor and recieve my funds back in 10 days, i was very skeptical at this point, as i was getting different answers. i talked to the securtiy/risk managment people and i was told that my account was being closed, my terminal turned off, and that i would recieve a letter in the mail? i said WHAT!!!!!!!!!!

I OULDNT BELIEVE MY EARS, i wasnt even contacted 1 time!!! i wasnt asked any questions, i wasnt asked for any pertinent information, no one would even return my calls! they gave me lame answers that they tried to get ahold of me, they never answered the phone! then after calling the chargeback section i was told that yes i lost on 3 of the 4 thousand bucks, and the customer recieves the 3 grand! i said just like that? i even presented checks that this person had written, and signed, credit slips that were signed! so the moral here is that the best payment solutions people do not prepare you to deal with this garbage, they only use you to make your money and then when someone blatantly commits fraud against your business by charging back without justification, they just charge you huge sums of cash to look at your paperwork and fax it to the customers bank, then they tell you that you didnt fill out your slips properly, i was suppossed to fill out separate slips for each transaction to make it legit? there are quanitity boxes on the slips for this, so if you purchase 10 pairs of jeans with your credit card the clerk should give you ten different reciepts for the items? or you can chargeback? this was a horrible scam as best payment solutions made thousands billing me for analysis of my account, the scammer customer that enjoyed my strippers time and sweat get all his doe back, and then they just close your account after gouging you for money. all along you will get voice mails, no assistance, no return calls, and at the end you are broke, you get a bad credit rating so no other merchant will touch you, and the theif gets there credit back to charge away again!! if best payment wanted anyone to be more schooled in the usage of credit slips, then they should have reps that should answer the phone, they should have picked up on any discrepancies in the past and contacted me to help me as a business owner to aid me in growing my buisness, instead they cut my throat and threw me in the gutter, the guy named Tony Dies in risk management will be the one to help you lose all of your doe and lie about returning your calls, except when closing your account and taking all of your money!

BEST PAYMENT SOLUTONS IN ILLINOIS, AND TAMPA WILL SCAM YOU, USE YOU, THEN THROW YOU AWAY!! GO WITH ANOTHER MERCHANT ACCOUNT COMPANY, IM OUT 5 GRAND, NOT TOO MENTION MY PHONE BOOK ADVERTISING IS DUE MONDY APRIL 2ND AND IM DOWN 5 THOUSAND, WHICH WILL RUIN MY ADVERTISING OPTIONS! AND CREATE LONG TERM LOSSES! THIS ALL AFTER A LADY CHARGES BACK 90 DAYS LATER TO LIVE OFF OF HER CREDIT CARDS!!

ART OHIO

CINCINNATI, Ohio

U.S.A.