Complaint Review: Cardservice International - First Data - Camarillo, California, Mesa, Arizona Internet

I just read one of your reports about Cardservice International written by Domestic Jungle. I fully agree with the owner of Domestic Jungle that Cardservice International is a fraudulent company that forges peoples contracts and misuses personal information. Cardservice International is rated as generally" unsatisfactory" record with better business bureau. It does not meet a grade C of customer satisfaction. So Cardservice rating is below minimum customer satisfaction. In another better business bureau report cardservice service is rated as "misrepresentation and fraud."

I never opened an account with Cardservice International. Cardservice International misrepresents itself as a registered agent of different banks and sometimes even as a bank. Well, I have a copy of the letter from Humboldt Bank that CSI is not a registered bank representative but just an independent sales organization(ISO). I also have copies of advertisements where Cardservice advertises itself as a "registered agent for the following banks." It is pure fraud! Cardservice is not a bank nor a registered agent of the bank. Humboldt bank stated that the word agent is a "legal term." Cardservice International asked me for my personal information over the telephone and telling me that they will send me more information about financial products from First Financial Bank.

I never received any information from First Financial Bank directly. Yet, Cardservice established a fraudulent unauthorized account with Humboldt/Umpqua in my name. I filed a police report where Gregg Echols, Cardservice International representative is listed as a suspect. From reading your other reports about Cardservice International, I see a similarity, that the sales representatives disappear, they are no longer with the company, and the so called company that tries to blame individual representatives for its corrupt management remains "clean."

Did you notice why do the sales representatives disappear suddenly? If Cardservice were a good company, why would they change sales representatives like gloves? Yet management is usually the same people that" dont have any idea whats going on with some sales representatives." Well, I also believe its about time that Cardservice takes resposibility for their representatives("agency responsibility.") I provided a copy of police report and a letter from another bank that the account was fraudulently opened in my name. With that information, Humboldt Bank promised to take me off the terminated merchant list. Their attorney told me right before July 4th that he is typing and sending a letter to Mastercard. He even send me a confirmation e-mail that "it is his invariable practice" to " not vary from his decisions". Yet he told me later that Cardservice instructed him not to remove me from terminated merchant list." Therefore, he changed his mind and he will not be writing me any letters to request my removal.

Humboldt Bank stated that it did not have my complete file and therefore the decision to remove me from the terminated merchant list was "premature." This is pure fraud. Both Cardservice International and Humboldt Bank had my complete file before. I have been harmed financially and emotionally by Cardservice/Humboldt/Umpqua. Due to this horrible experience, I had severe panic attacks and headaches. I had to receive a disability. Cardservice has multiple forged faxed unsigned and undated letters that they claim I wrote. I told them I never faxed them or signed any faxed forgeries that they presented to me.

I know that Cardservice will issue a rebuttal where one of their defenders will say that I signed something with them. They will say they have a copy of the contract, letters and agreements. They will even show you a letter from an attorney that references First Financial Bank and not Humboldt bank to establish some credibility. The letter was written by mistake and the attorney can affirm that. They told me that millions of times. They will also say that I used the merchant account and that it has nothing to do with fraud.

Yet, Cardservice is the one with a pattern of complaints alleging forged contracts, unauthorized transaction debits and billing fraudulent cancellation or other hidden fees. I request that Cardservice removes the fraudulent account it is reporting under my name with Mastercard. I need a letter from Cardservice stating that it removed fraud listed under my name due to identity theft. I also request that Cardservice be shut down for operation for all fraud it committed. Financial damages need to be distributed to all the victims of Cardservice Fraud. I will also take this to Congress and other agencies that fight for justice. Please see other reports about this company and see for yourself. Please help us stop this company. It is worse than Enron.

Regina

san francisco, California
U.S.A.

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