Complaint Review: Cardservice International - Hawaii

the company is responsible for the conduct of its agent. it is called agency authority, until you are notified in writing that they are revoking the agency authority of their agent they are still on the hook. tell them to check with their legal department. if the collection agent calls tell them it's a dispute send a letter outlining your dispute. demand they close the file! also send copies of you letters to the credit reporting bureaus you can do so at the following addresses. how to obtain your credit report TRW/Experian http://www.experian.com/ PO Box 8030 Layton, Utah 84041-8030 Cost: $8.00 (see exceptions link below) Procedure: In writing only Phone:(800) 682-7654 (800) 422-4879 TRW will supply credit reports from an automated system by calling 800 392-1122. Equifax http://www.equifax.com/ PO Box 740241 Atlanta, GA 30374-0241. FAX request to: (404) 612-2668 Cost: $8.00 (Maryland +$5.00, ME & MT +$3.00) Procedure: Write or fax Phone:(800) 685-1111 (800) 525-6285 Trans-Union http://www.transunion.com/index.jsp P.O. Box 390 Springfield, PA 19064-0390 Phone: 404-396-0961 (800) 680-7289 (800)-999-4213 Cost: $8.00 individual, $16.00 husband & wife Procedure: Write or call 610-933-1200 (call *only* if denied credit in last 60 days) finally congress has done something to help prevent idenity fraud. hopefully someday they will do something to prevent fraud by businesses. a collections agent two cents!

Mehi, I suggest you stick to your own office clients and mind your own business. You were not at my fax machine to receive the THREE PAGE agreement I signed. There were no other agreements, no other information, and nothing was sent to me in addition to my three-page contract. Unless you have access to my bank account, you cannot possibly know what the dispute is. When I noticed a discrepancy, I called the main headquarters. It was then that I learned there was more to CardServices than the agreement I signed. It was my dispute 2 months after I signed the contract that prompted the corporate offices to send their version of what I signed. I have TWO separate contracts. One I signed, which I kept for my records. The contract they sent me had a one-page signature page (which they added to and it does not match my signature page I have on record. The other two pages of my contract are non-existent with corporate offices. What they sent was their modified (fraudulent I might add) version along with a 52-page booklet. Never was the booklet sent to me during or after negotiation. Don't you dare accuse the merchants of not reading the agreements unless you are sitting in our offices and hear the conversations and the see the signing of the contract. You have no idea what I signed, read, or received. CardServices International still owes me $381.00. They removed only the amounts I questioned, however, they will not refund my deposit even though I did not use the account, other than the test that they told me I had to make of 50 cents to make sure the gateway was working. By the way... that test they requested is their excuse for not refunding my money. They said I used the account. It was the ONLY charge made. I tried to cancel the account the minute I learned of the switch in contracts, and I never charged anything to it at all. Imagine that. I expect employees to respond harshly to the merchant complaints, as your employer pays your wages. If only you and your company had integrity, there would be no complaints on this site now would there? People would get a satisfaction, money back guarantee and all would be well, but your company is not one with integrity and will probably end up on CNN Breaking News like Enron. I look forward to that day. Perhaps you can be their spokesperson and try to cover up for them. Got your paper shredder ready?

The Merchant Agreement is the 52 page document she is speaking of, not the contract. The contract she signed is a 3 page document of which CSI does have a copy.

It is typical for merchants not to read the Agreement. You can hardly fault a business for her lack of thoroughness, can you?

She checked the box stating " ...I have received and acknowledge the Merchant Agreement ..." before she SIGNED the contract.

As you can see, the agent says there was no change, but the Corporate office has a different version of the contract. So, who changed it? The corporate office blames Mr. Henderson, AND tells me to go after the agent. The corporation itself should be responsible for its representatives. Whenever a change is necessary, the company signing the contract needs to give approval, and should be given the final contract. That was never sent to me. It was the corporate office that sent me a different version of the signed contract.

I don't care about the internal problems the corporation and agents have with each other. I'm caught in the middle. On top of that, I'm getting "Refer a Merchant" mailings asking me to refer Cardservice International to other merchants. You have got to be kidding right?

It's more like "CONSUMER BEWARE REFERAL"

Received another letter from the Corporate office today.

2:11 PM
I called them and asked for the president's name. I was given the name Donald Headlund. I was told I had to go through their chain of command to get to the president. I said "Let's get started then", so the operator transfered me to supervisor #1.

2:19 PM
Supervisior: Hayat Fazel
Told me it's not the corporate's problem and I need to bring legal action against Chad Henderson. I told Mr. Fazel it is his corporate office charging me fees that are not justified, NOT his agent. I told him it is also the corporate office sending notices to the Credit agengies, NOT the agent. He said he can't help me and I need to go through the collection department. I told him I've been passed around for 2 months and he better get someone on the line that can help me. He said it's a collection problem because they couldn't draw money out of my account.

I told him this started out as a contract problem and I have the contracts to prove they were changed after I signed them. I told him it became a collection problem after my bank changed my account number to prevent Cardservice International from drawing money from my account. I said this better get taken care of because if any damages are done to my credit, they will be in serious trouble, and I will take this to Congress.

2:31 PM
Supervisor #2: David Hager
I told Mr. Hager I'm not putting up with this anymore. I told him he either takes care of this immediately or I will take further action to expose Cardservice International's business practices to the public. He told me he will remove all collection fees. I told him he better also remove any damanging remarks on my credit reports as well. He said he would. I asked for written notice when this is completed, and told him he has a very short time to take care of this because I'm not putting up with this anymore.

He adviced me to go after Chad Henderson for a refund, and the corporate office will stop the collections.

Domestic Jungle was set-up with Internet processing at a extremely competitive of $295.00. Every fee was expalined in detail and Ms. Appleton initialed and signed a contract agreeing to them. This contract is on file in our office.We do not alter or change our merchant documents in any manner whatsoever. We do not have the authority to refund any money, nor is a refund called for. This is why the customer was referred to our corporate office. Mr. Henderson sets up over 600 merchant accounts a year and has never had a problem.

Cardservice

Chad Henderson
751 Daily Drive
Camarillo, CA 93010

I also found the site "First Data" and have filed a complaint with them. Next, I intend to take this to the White House. I have seen Corporate America get busted for their business practices, and it's time Cardservie International joins the ranks of those that got their dirty business practices exposed.