Flagship Credit Card Processor Brian Maloney Promises lowest possible costs. lists basic fees, after 2 months, suddenly hidden fee structure and many other surprises Boston Massachusetts

Guarantees lowest possible processing costs. Reduces some of the billing to accomplish the offer. In about 2 months, suddenly additional costs taken from banking account. I call these hidden fees. His explaination is that they are fees due to the processing firm, IPayment. Yet, no mention of IPayment was ever made in many discussions about processing/fees/etc. When dealing with both Flagship and IPayment, often put on hold, expect a 45 minute to 1 hour delay for assistance. They bounce you from one poorly trained individual to another, attempting to help, but really creating consumer frustration, to the point that you give up dealing with them and hang up. They do not follow through in any form of a timely mannor. They even tell you they are putting you on HOLD to let you cool off, when they are the offensive member of the conversation. After many wasted calls and efforts, gave a refund of 19.95, even though they charged 119.95. No explaination. Had to email Brian again. Who responded that it could take a week or more for the missing money. Yet they took the money without notice, without term agreement, without any hesitation. Just decducted it instantly from our business account. Computer transfers could also facilitate an instant refunded, not 1-2 weeks duration. Took the money 12/1. This is 12/13. On 12/12/12, Brian emailed it would be another week or more. Again, waste of time, effort, and total mishandling on their part in the customer service department. No excuses, just greed!