TIm
Anywhere,#2UPDATE Employee
Fri, February 07, 2014
First off I would like to say that merchants don't just get put on the TMF list for just anything. This tends to be due to a more serious matter.
Also if you do your research on the company in which filed this compaint on both the BBB and Ripoff report you will see complaints in which may give an explanation on why Heartland Payment Systems took the action in which they did in regards to this merchant.
In this specific case even in the years since this complain was filed there seems to be a very common issue with All The Time Auto in regards to product delivery after the payment was taken. Some of those complaints include NEVER RECEIVING the product. Which if the customer does not receive the product they will more than likely initiate a chargeback with the merchant....I would! Once a merchant continues to have chargebacks like any financial institution the company must protect themselves from being "stuck holding the bag."
As an example a Scam artist sets up a company that appears to be legitiment and begins to take payment for products in which are delivered after payment and in fact never have intention of sending the product. Then before the customer has a chance to file the dispute the merchant closes their bank account and skips town the payment processor is repsonsible for the money in which was owed to the customer for the dispute. This happens every day across the U.S. So whenever a company has an excessive chargeback issue the servicing institution must protect themselves.
In fact All the time Auto at the time of the order does not have the product in there posession. They are basically a parts broker and once the secure your payrment will go and attempt to find it. Obviously the issue arises when they cannot find the product and don't want to refund the customers money.
So when David initially said a hold would not be required in the begining even when you discolsed what "you thought" were your chargeback percentages that very well could have been true. But when you continued to have chargeback issues which were clearly in abundance and excess of what you stated then that is when things begin to change. Judging from your reviews as well I believe it would be safe to say that this remains an on going problem for you.
Heartland upholds the highest of standards in the payment processing industry and is an advocate for merchants.
(My Opinion)
So in conclusion I (my opinion) would say that the action was taken was to protect Heartland and in fact the issue at hand remains with you and the way you conduct business. I am basing that statement purely off the fact that it still remains that your own companies complaints stem from a reason why a financial institution would require a hold on funds.
Thank you for reading.