• Report: #284872

Complaint Review: First Data Merchant Services, Suntrust Bank

  • Submitted: Wed, November 14, 2007
  • Updated: Sun, January 20, 2008

  • Reported By:Atlanta Georgia
First Data Merchant Services, Suntrust Bank
Melville Ny Melville, New York U.S.A.

First Data Merchant Services, Suntrust Bank $500 early termination fee- no response- "we can't help you" Melville, Nymelville New York

*Consumer Comment: Hard signature?

*Consumer Suggestion: Contracts

*UPDATE EX-employee responds: First of all...

*Author of original report: wow- an actual response- is this how you guys do your business- here on rip-off?!!

*UPDATE Employee: Request Contract

*UPDATE Employee: Request Contract

*UPDATE Employee: Request Contract

*UPDATE Employee: Request Contract

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I received the early termination fee as well as everyone else here. I was told by Suntrust, it is not their fault, they cannot do anything about it, and they can't give me a copy of the program guide- that I should have it- and if I lost it, too bad. Customer service reps were useless- they direct you to a phone number that no one returns a phone call- all you can do is leave your info and hope someone calls you back- BUT if you terminate early- no matter what the reason- you get charged $500. I was never told of the early termination fee nor was I told I was signing a contract for 3 years- apparently the rep does not need to tell you this info. And for Suntrust to be involved with this company is unbelievable- I think they are just as guilty-for being involved with a company that is so shady and and does not return phone calls, and does business this way. And they have NO response to it- and do not care. I have been able to get away with just being charge a 12.50 a month fee until I can figure out how to get out of this- but if inactive for 6 months- you get charged for it as well- the $500- is there anything in the agreement about inactivity- and being charged $500??? Has anyone looked into that- and by the way- I have lost my program guide- which no one is able to provide a copy to me- I am furious and cannot believe this is legal!!!

Cat
Atlanta, Georgia
U.S.A.

This report was posted on Ripoff Report on 11/14/2007 04:41 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Data-Merchant-Services-Suntrust-Bank/Melville-New-York/First-Data-Merchant-Services-Suntrust-Bank-500-early-termination-fee-no-response-we-c-284872. 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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REBUTTALS & REPLIES:
0Author 8Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Hard signature?

AUTHOR: Robert - (U.S.A.)

""First of all, if they cannot provided ou with a hard copy of your signature saying that you agree with their terms they can't charge you a dime.""

Incorrect. Things have changed drastically with the expansion of the internet and changes to US law. Electronic "signatures" are binding in contracts executed over the internet.
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#2 Consumer Suggestion

Contracts

AUTHOR: Chorix - (U.S.A.)

Hello, i have to agree with A, i made a living as a consulting in the electronic payment world.
First of all, if they cannot provided ou with a hard copy of your signature saying that you agree with their terms they can't charge you a dime.

Threat you banker that you will be closing all your accounts with them because they are endorsing those practices.

Third, Close the bank account affiliated with the merchant services so they won't take more money out of your account.

Fourth, contact a Sunthrust regional manager and let him know about this situation

Fifth, if everything fails, contact your state attorney and FTC and file a complaint.
I hope this help you out, if you need further assistance please reply this post and i would give you my contact info.
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#3 UPDATE EX-employee responds

First of all...

AUTHOR: A - (U.S.A.)

First of all, I do NOT represent Suntrust Merchant Services and no longer work with them, so save the attitude. Since I did work with them, I know how their system works. I'm trying to assist you in getting back your $500.00 ETF. Demand a copy of your signed contract or online application from them. If they cannot provide it, they cannot enforce the ETF.

Secondly, the 90 inactivity closure is listed in the Merchant Program Guide. The program guide is a separate document from the contract, and is about 30+ pages. Read the contract fine print, by signing the contract or online agreement, you are agreeing to be bound by their terms in the program guide.

Unfortunately, all the information I've given you should have been explained by your Suntrust's Sales Rep and/or Customer Service. However, having worked with them, I'm not suprised.
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#4 Author of original report

wow- an actual response- is this how you guys do your business- here on rip-off?!!

AUTHOR: Cat - (U.S.A.)

So where on the contract does it state the 90 days inactivity? I can't believe this is how I have to get my information- here on rip- off- does anyone else see a problem with this???
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#5 UPDATE Employee

Request Contract

AUTHOR: A - (U.S.A.)

Call Suntrust Merchant Services and demand a copy of your contract/agreement. I worked for Suntrust Merchant Services, and a lot of times the Sales Reps do not have the contracts scanned into the system. If they do not have your signed contract or online agreement, they cannot legally enforce the Early Term. Fee.

It is listed in the Program Guide that your account can be cancelled after 90 days of inactivity. If you are still under your 3 year contract, the Early Term. Fee can be applied.
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#6 UPDATE Employee

Request Contract

AUTHOR: A - (U.S.A.)

Call Suntrust Merchant Services and demand a copy of your contract/agreement. I worked for Suntrust Merchant Services, and a lot of times the Sales Reps do not have the contracts scanned into the system. If they do not have your signed contract or online agreement, they cannot legally enforce the Early Term. Fee.

It is listed in the Program Guide that your account can be cancelled after 90 days of inactivity. If you are still under your 3 year contract, the Early Term. Fee can be applied.
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#7 UPDATE Employee

Request Contract

AUTHOR: A - (U.S.A.)

Call Suntrust Merchant Services and demand a copy of your contract/agreement. I worked for Suntrust Merchant Services, and a lot of times the Sales Reps do not have the contracts scanned into the system. If they do not have your signed contract or online agreement, they cannot legally enforce the Early Term. Fee.

It is listed in the Program Guide that your account can be cancelled after 90 days of inactivity. If you are still under your 3 year contract, the Early Term. Fee can be applied.
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#8 UPDATE Employee

Request Contract

AUTHOR: A - (U.S.A.)

Call Suntrust Merchant Services and demand a copy of your contract/agreement. I worked for Suntrust Merchant Services, and a lot of times the Sales Reps do not have the contracts scanned into the system. If they do not have your signed contract or online agreement, they cannot legally enforce the Early Term. Fee.

It is listed in the Program Guide that your account can be cancelled after 90 days of inactivity. If you are still under your 3 year contract, the Early Term. Fee can be applied.
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