BEWARE OF FIRST DATA CARDSERVICE INTERNATIONAL!
AKA - Linkpoint Central, First Data, First Data Merchant Services (Same company)
I used first data (linkpoint central) for about 3 years. The original monthly fee FIRST DATA CARDSERVICE INTERNATIONAL!!! which was agreed upon was $50 per month. They stated that if I started to make more money through online sales the fee would go up slightly. Well I admit that I was a newbie to all this and very bad with accounting. When I started actually viewing my bank statements I noticed that they were taking out monthly withdrawals of around $400 per month.
Now I could see if I made $20, 000 per month but unfortunately I was only making under $5000. They were constantly doing withdrawals and overdrafting my bank account repeatedly with their overpadded fees. So I called them to try and straighten things out and they tried to fluff it off as chargeback fees. Well I had on occassion a few chargebacks however, 2 per month was the most and most times none. So that was obviously false.
They did agree to take off some of the fees, however they only ended up taking off about $37 which was ridiculous. So I notified first data that I would be closing my account with them. They said I had to send them a fax or else I could not close it so I did. I also requested to my bank that my bank not allow first data to take any more money out of my account. Well that did not work! Even after the account was closed, they continued to do withdrawal after withdrawal. My bank said they didn't know how they got through so eventually they were able to block them since they had already overdrew my account to over $600.
I then fought some of the fees and ended up with a balance of about $195 overdrawn. Well first data continued to attempt withdrawal after withdrawal and in case no one knows this. When they have your account and routing number, It's like your writing a bad check and they bounce over and over. So for every time they attempted to take more money out, I got charged $35 each. Within about a months time after the account with first data had been closed I was overdrawn over $1000 from them bouncing my checks!!! Bouncing checks that I did not write or authorize! How could this be legal?? As of now I am being charged by my bank $8 per day on top of everything for every day it is overdrawn because of them!
I am now in the middle of fighting this and even though it has been months now they are still sending me chargeback notices??? This company is a MAJOR SCAM so beware! They overcharge you and god forbid if you try and leave them, you will pay!!!
Unless you want to permanently destroy your credit and end up broke - BEWARE!!!