- Report: #764038
Report - Rebuttal - Arbitrate
Complaint Review: Commerce Payment Systems
Commerce Payment Systems1465 Broadway Hewlett, New York United States of America
Commerce Payment Systems REVIEW: Commerce Payment Systems clients, feel safe, confident & secure when doing business with Commerce Payment Systems. Commerce Payment Systems commitment to client satisfaction, exceptional client experiences & success. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, ..A program that benefits the consumer, assures them of complete satisfaction & confidence when doing business.
*UPDATE: Commerce Payment Systems recognized by Ripoff Report Verified
EDitors UPDATE: Positive rating and recognition has been given to Commerce Payment Systems for its commitment to excellence in customer service.
Ripoff Reports discussions with Commerce Payment Systems have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Commerce Payment Systems listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.
The information provided in this report is based on comments made by Michael Mendlowitz and his staff during an on-site inspection held by a third party verification company with no biases toward Commerce Payment Systems.
Commerce Payments Systems (CPS) is a credit card processing company and works to gain new clients through internet, direct mail and sales presentations. Their vision is to provide efficient, low-cost and reliable credit card processing solutions to all merchants. Sales for the company are generated primarily in 2 ways, direct mailing advertisements are sent out to the merchants and the other way is through internet searches that are conducted by the consumer. They also have a nationwide sales force that calls upon potential customers.
CPS tracks all order deliveries of equipment needed to process cards. They know the exact date items will arrive to new clients. On the arrival date, the customer service department places a Welcome Call to all new clients. During that call they ensure that the client is properly trained on how to work the equipment, they provide all relevant service contact numbers and they answer any additional questions that the client may have.
The company is trying to limit the amount of time that a client remains on hold when seeking customer support. The current hold time averages less than one minute and they have a goal to reduce that waiting time to 30 seconds. To achieve this goal, all calls are recorded and the hold time is tracked and reviewed by the customer service supervisor.
Prior to accepting a new client, Commerce Payments Systems carefully reviews the application with the new merchant. They explain in detail the fee structure and rates that apply. After the new client is accepted the welcome call is made where rate and fee details are again reviewed. These welcome calls are now recorded and randomly monitored to ensure that they are being conducted correctly.
Ripoff Report Verified .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
David Fields , the VP of Customer Support , stated We carefully consider all customer complaints as constructive criticism and use them as tools to improve our customer service upon". Our customers are the face of our business and their satisfaction is of the utmost importance. We value our customers above all else, and look forward to continually improving so that their experiences with Commerce Payment Systems remain strong, consistent and positive. Some of the other things Rip-off Report learned in the course of its investigation: typical customer feedback reads: Commerce Payment Systems (and Mr. Fields) truly communicate in a timely and effective manner. We are very pleased with the responsiveness that he and his employees show us. They are serious about meeting commitments, and deliver on all their promises."
Commerce Payment Systems principal, Mr. Michael Mendlowitz , has informed us that his personal philosophy is that his clients are a precious resource. As a successful businessman, Mr. Mendlowitz feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Mendlowitz hopes to maintain Commerce Payment Systems as a successful enterprise both now and for many years to come.
Further, at Commerce Payment Systems, all of the customer support representatives now must have a minimum of 2 years experience in the bank card industry. This is a requirement for an employee to be part of our customer support team. What this means to you, is that all of your questions will be answered promptly and professionally. Their friendly support representatives are available 24 hours a day 7 days a week, with an average wait time of under 20 seconds. Most other Merchant Service providers outsource there support staff, which comes along with long wait times and language barriers. This is something you will never have to experience here at Commerce. Further, they contact customers to gather valuable feedback so that we can continue to adapt and deliver the best customer service possible. Commerce Payment Systems is willing to go above and beyond to do what it takes to make things right with their customers.
Commerce Payment Systems takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this: "Commerce provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. Mr. Mendlowitz is truly concerned about our contribution to the company and providing growth opportunities for us. He takes the time to listen and communicate with employees and customers." Rip-off Report was pleased to learn that Commerce Payment Systems past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
Every complaint received is now personally addressed by the customer support supervisor via telephone. This occurs usually within the first 24 hours that the complaint is generated. The most common complaint received is that some of the rates and fees are not understood by the customer. When these complaints are received the customer service department contacts the complaining party and reviews and explains the rates and fee structure of the company.
Another type of complaint received from customers is that even though they have not generated any sales, they are still receiving a bill. When this type of complaint is received, customer service again contacts the client and explains about the minimal monthly service charge that is the policy of Commerce Payments Systems. If the complainant is still unsatisfied then customer service is able to waive the monthly fee in most instances.
A previous instance a client complained about was because they were not satisfied with the equipment he had received from Commerce Payments Systems. He felt that it wasnt working properly for his business. A customer service representative was able to determine that the credit card processor that the client received was a dial-up processor and that he would be much better suited with an internet based terminal. Commerce Payments Systems then overnight shipped the proper device to the client and followed up with a phone call to make sure that the client knew how to work the new device. The client was then contacted by a customer service supervisor where the client then expressed his satisfaction to the service he received.
The company instills upon their staff that if a customer is unhappy then Commerce Payments Systems is not doing their job correctly. They have authorized their customer service employees to issue reasonable refunds when requested and they implore upon them to become more merchant friendly. These refunds can even be granted in situations where the client is wrong. They express to employees to take the extra step to keep the client satisfied. The company feels that it is a benefit to be associated with the Corporate Advocacy Business Remediation and Customer Satisfaction Program. By being a part of the program it shows existing, as well as potential clients that Commerce Payments Systems has concern for and cares about their clients.
Commerce Payment Systems recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Rip-off Reports Investigation Commerce Payment Systems has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.
In summary, after our investigation, which included discussions with Mr. Mendlowitz and many of his past and current associates, Rip-off Report is convinced that Commerce Payment Systems is committed to quality delivery of merchant services resulting in total client satisfaction.
Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, its a long name for a program that does a lot for both consumers and businesses alike.
Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.
See satisfied merchants recorded testimonials.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer .. The people at commerce Payment Systems did just that.
============ NOW TO THE ORIGINAL REPORT THAT WAS FILED
============ Commerce Payment Systems, Commerce Steals Money From Your Bank Account Methodically Hewlett, New York *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
Commerce Payment Systems systematically steals money out of your bank account which they have access to, because you sign an agreement with them to process credit card purchases for your business. We signed up with them November 09. There was suppossed to be an annual charge of $49, however we were charged $49 a month for 28 months.
In addition there were excessive processing charges for each month in direct confict of our signed agreement. They never sent a processing statement and although they say you can review your account on the internet there is no way you can access this.
After several telephone calls to challenge these overcharges, a customer service person confirmed they owed me as of July 1st over $1022.00. This does not include the other overcharges relative to percentage rates. However collecting this money has been impossible. We keep getting shifted from one person to another.
In reviewing my contract I learned that HSBC Bank USA is the holding bank for funds held in reserve for this company. I am calling them tomorrow to inform them of the probem I am having with their client they are processing credit card payments for. I feel they are complicent in this scheme of systematic theft even though they may not feel they are.
Their telephone number is 7168416360. I am also going to inform the New York Attorney Generals Office with my complaint as well. I implore all other businesses with a complaint to take the sme action. I have only read 14 complaints on this site so far, but I can only believe there are countless thousands of businesses being defrauded this way.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder RipoffReport.com Author of www.ripoffrevenge.com
Rip-off Report PO Box 310, Tempe, Arizona 85280
This report was posted on Ripoff Report on 08/11/2011 08:33 PM and is a permanent record located here: http://www.ripoffreport.com/r/Commerce-Payment-Systems/Hewlett-New-York-11557/Commerce-Payment-Systems-REVIEW-Commerce-Payment-Systems-clients-feel-safe-confident--764038. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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