• Report: #384585

Complaint Review: United Bank Card – Harbortouch | Ripoff Report Verified™ …businesses you can trust. Harbortouch offers a full range of merchant services, supplying POS systems, electronic cash registers, credit card processing terminals as part of its unparalleled free equipment program. Leading national supplier of point of sale (POS) systems, serving tens of thousands of businesses across the nation.

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  • Submitted: Fri, October 24, 2008
  • Updated: Wed, October 30, 2013

  • Reported By:Ashveille North Carolina
Jared Isaacman, United Bank Card, Mike Warrener, Mike Warren, Mike W
53 Frontage Road Hampton, New Jersey U.S.A.

Harbortouch | United Bank Card REVIEW: Customer Satisfaction Commitment: Harbortouch values each merchant it serves, realizing exceptional customer service is as important as competitive pricing, innovative products. The company offers award winning customer support which is handled entirely in-house available 24 hours a day, 7 days a week, completely free of charge to all of their merchants. The company also stands by its equipment, offering a lifetime warranty on all POS systems. Additionally, professional installation and ongoing training are included with every POS order.
*UPDATE: Recognized by Ripoff Report Corporate Advocacy Program as a safe business service – Harbortouch pledges to always resolve any issues - feel safe, confident & secure when doing business with Harbortouch, Recognized by Ripoff Report Verified™ as a safe business service.

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Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to Harbortouch for its commitment to excellence in customer service.

Ripoff Report’s discussions with Harbortouch formally United BankCard 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. Harbortouch 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.

Harbortouch offers a full range of merchant services, supplying POS systems, electronic cash registers and credit card processing terminals as part of its unparalleled free* equipment program.

Harbortouch POS System Review: Rivals Sports Bar & Nightclub from Harbortouch POS on Vimeo.


Harbortouch POS System Review: Lobo de Mar from Harbortouch POS on Vimeo.


As one of the largest and most reputable payment processors in the United States, Harbortouch currently handles the merchant accounts for over 110,000 business locations and processes in excess of $9 billion annually, with those numbers continually increasing.

Consistently recognized as a leader in innovation, Harbortouch is a five-time Inc. 500/5000 honoree (2005-2009) and was listed on Deloitte's 2008 "Technology Fast 50" list. Additionally, Harbortouch was named a Gold winner by the 2012 Golden Bridge Awards, a Silver Winner by the 2012 Best in Biz Awards and a Bronze winner by the 2012 American Business Awards.

United Bank Card changed its name to market new products and services but kept its focus on customer service, leaving no customer behind

United Bank Card was founded in 1999 as a traditional credit card processing company. In 2007, the company entered the point-of-sale system market with the launch of their full-featured, touch-screen Harbortouch POS system. In 2011, Harbortouch began offering this high-quality POS system with no up-front costs as part of its revolutionary “free” equipment program. The company saw tremendous demand for the Harbortouch POS system and it became increasingly central to their operations. The Harbortouch POS system quickly became the company’s flagship product offering. At the beginning of 2012, United Bank Card officially changed its name to Harbortouch to reflect the company’s focus on their POS systems. The name change also highlighted their transition to a more technology-oriented, forward-thinking company. Although the company changed its name, Harbortouch still maintained the same management, employees and focus on customer service. Harbortouch continues to put their customers first, realizing that exceptional customer service is just as important as competitive pricing and innovative products.

“ The only kind of business that will make the kind of commitment that HarborTouch has, .. is the kind of business consumers can definitely trust. If there were more businesses that had the same thinking as HarborTouch, just imagine, there would not be as much of a demand for consumers to use Ripoff Report” – ED Magedson – Founder, Ripoff Report

The information provided in this report is based on comments made by CEO Jared Isaacman during an onsite inspection held by a third party verification company with no biases toward Harbortouch United Bank Card.


United Bank Card is Ripoff Report Verified
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..

Harbortouch was started as United Bank card in 1999 as a basic credit card processing service. They are aiming to move to a full service model, touch screen point of sales system at a low service cost to small or midsize business. The vision is to expand to the mobile device for on the go payment.

Their main sources of sales are geared towards small to midsize merchants. Their main sales are done by independent contractors or sales representatives under Harbortouch. These contractors have certain requirements that they must abide by in regards to credit card regulations. They represent Harbortouch and their products and services assist with the completion of paperwork, but Harbortouch does all of the underwriting and approval of applicants. From that point Harbortouch provides all of the services to the merchant. The independent contractor functions as the onsite representative between the company and merchant.

During the onsite interview CEO Jared Isaacman was asked to discuss what types of complaints their company receives and what is being done to resolve these issues: “The most common complaint that has occurred has to do with not having strict control over the independent contractors because they are not direct employees over the company. There is a wildcard factor with sales being made by the independent sales staff due to different variations of compliance with regulation and quality of service. Going from the credit card terminal to the point of sales, which is basically a computer system, is more complex. Merchants have an expectation of the program working a certain way or having different functions and sometimes a merchant will feel like the independent contractor oversold the program.”

Mr. Isaacman was then asked to describe a specific situation where a client was not satisfied with the level of service they received: “Once an order has been placed with Harbortouch they may have been oversold on the product or feel that there has been a miscommunication on the sale. Once the order has been received, the account gets assigned to an Order Administrator to walk the merchant through the process from then on. If any miscommunication or over sell on the product occurred, this is where it would be worked out. For the most part, Harbortouch will try to accommodate the merchant within reason. Once the order has been shipped, the company’s tech will install the POS system and the merchant must sign off on the installation.”

Harbortouch POS System Review: Bradley's Pit BBQ from Harbortouch POS on Vimeo.



The merchant has access to 24/7 tech support on site, weekly webinars, newsletters, ongoing training sessions, support material, additional training DVD’s, and independent contractor functions that serve as a resource for support to the merchant.

If there is an issue where a customer feels as though they have been misled or paid fees that they did not authorize, they are encouraged to contact Harbortouch’s customer service department, and if the fee was inaccurate, it will be refunded to the merchant. Their fees do increase twice a year, but this is fully outlined and explained in their contract agreement.

Since complaints were made on Ripoff Report their company has made direct changes to the way they handle independent sales. They hold their representatives accountable for how they present themselves and their program. They have started a certification program for sales representatives which insures that they are fully educated on the products that they will be selling and representing. This increases the quality of the sales representatives and instills professionalism. They are also working on refining their order administration process.

In a leadership role within the company, Mr. Isaacman has instituted many changes in various areas in order to make the customer happy. They have hired a quality control manager, started an in house newsletter, expanded the office to include onsite training for employees, and implemented ongoing reconstruction within departments to better service customers.

Harbortouch is pleased to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. They believe that taking part in this process reiterates their commitment to their customers and adds credibility to their services and business, while demonstrating their dedication to their customers.

Harbortouch POS System Review: Moon Dance Wine & Spirits from Harbortouch POS on Vimeo.



HARBORTECH / STATEMENT FROM THE THE FOUNDER AND CEO JARED ISAACMAN

Harbortouch’s primary goal is to provide exceptional service and value to our customers. Our merchant customers are the lifeblood of the company and our success is completely dependent on their satisfaction. Every decision we make reflects the importance of this relationship and every action revolves around our customers. We strive to provide these customers with the best possible experience through cutting-edge technology and unparalleled levels of service."

Harbortouch has placed a strong focus on customer service and satisfaction. Harbortouch values each merchant it serves, realizing that exceptional customer service is just as important as competitive pricing and innovative products. The company’s award winning customer support is handled entirely in-house and is available 24 hours a day, 7 days a week, completely free of charge to all of their merchants.

Harbortouch 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 Ripoff Report’s Investigation Harbortouch has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

Harbortouch POS System Review: Neworld Cafe from Harbortouch POS on Vimeo.



Harbortouch POS System Review: Jake's Bar & Grill from Harbortouch POS on Vimeo.



In summary, after our investigation, which included discussions with Mr. Isaacman and many of his past and current associates, Ripoff Report is convinced that Harbortouch is committed to quality delivery of products and services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about 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. this program works.

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 ensure that the member business did right by their customer.

NOW TO THE ORIGINAL REPORT THAT WAS FILED

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Jared Isaacman, United Bank Card, Mike Warrener, Mike Warren, Mike W COMPLETE Bad Deal - Credit Card Merchants and Online Stores BEWARE of this axxhole Jared and his rip off company Hampton New Jersey

October 24 2008. Jared ISaacmans' company UNITED BANK CARD is a merchant credit card processing center.

They are a rip off in the BIGGEST WAY. They hold money from the merchant for days longer than allowed. It has been told to us by OTHER merchants credit card companies THAT THEY ARE FAMOUS for holding funds back, and using it to make their payroll for employees.

If you have a customer do a chargeback, (When a person who bought from you, gets their money back , NOT FROM YOU, but the credit card company, because they lie and say they did not buy anything... UNTED BANK CARD will freeze your money in your account AND NOT GIVE you your money that you earned from sales.

YES, they are doing it. AND they have been known to take your money from you for LOTS of reasons.

Meredith Vieira Co-Anchor, Today Show did a great story on hime 2 years ago. Said how wonderful he was to be a multi millionaire at such a young age. HEY MEREDITH..please do another story on him NOW. Today. It is really bad news! Jared Isaacman, United Bank Card... you are gonna get caught. The FEDS are lookin at you.

What a horrible thing this company did to us. Taking and freezing our money. In this economy, and hard times... we need the money to feed our family.

It is disgusting what they do. Read ALL the stories ehre on Rip Off. It is stunning

Bxxxx on wheels
Ashveille, North Carolina
U.S.A.

This report was posted on Ripoff Report on 10/24/2008 05:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/Jared-Isaacman-United-Bank-Card-Mike-Warrener-Mike-Warren-Mike-W/Hampton-New-Jersey-08827/Jared-Isaacman-United-Bank-Card-Mike-Warrener-Mike-Warren-Mike-W-COMPLETE-Bad-Deal-C-384585. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Jared Isaacman, United Bank Card, Mike Warrener, Mike Warren, Mike W

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Updates & Rebuttals

#1 UPDATE EX-employee responds

Please Read (ex-employee)

AUTHOR: Mike O. - (United States of America)

To all of the people that think that United Bank Card is a rip-off please read the following statement.

I worked for Harbortouch a sister company of United Bank Card under the title of Technical Supervisor and worked closely with United Bank Card's management. I cannot tell you how many times we have done good for the customers of United Bank Card and Harbortouch. I understand that it may be frustrating when funds don't come in on the day you expected but a representative can help you, be patient and give them what they need to resolve your issue. Some complaints deal with hold times. Well to be frank yes just like any other national company during peak times it gets crazy with the phones. When I started with Harbortouch in 2009 I started on Tech Support. Let me tell you the amount of calls I got was insane. Now, with that being said I tried my best to accommodate each and every customer to my fullest ability. It is funny how a perfectly normal person will get aggravated over something that may not be a big deal. My beginning to end call average was about 15-20 minutes and 99 percent of the time ended with a polar opposite person then when they originally called in. I am not bragging that I was a "superstar", there are many other reps that have this same status. On the United Bank Card side, the turn around time is much lower. Trust me United Bank Card and Harbortouch are truly good companies. If you don't believe me ask for the documentation of the contract and read it for yourself. I was always amazed with customers that would sign up with United Bank Cards processing and be very happy, but then they stop making money and the complaints start coming. Please take the complaints on this site and many other sites with a grain of salt. All you need to do is read and ask questions. They will help you with anything you may need. Or if you would like to speak with me please use the following email: michaelcorange@yahoo.com

I have nothing to loose to tell you the truth since I do not work for United Bank Card anymore. 

I am giving everyone the opportunity to discuss with me how they got ripped-off and hopefully I can give some advise on what to do next.

Regards,

Michael Orange

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#2 Consumer Comment

Freeze RegencyShop's money

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

Freeze RegencyShop's money, as I am still waiting for my credit card company to refund my money from this phony business. I am glad as The Customer, I am protected when using a credit card upto 6 months. Yes, Hold The Money from RegencyShop, I have filed my chargeback.
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#3 Consumer Comment

UNITED BANK CARD DOES SUCK INDEED!

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

It is almost laughable to see that employees of this fraudulent company are actually taking time off spamming messages boards to respond here to hide the truth. This company in reality is the biggest fraud in the history of merchant accounts. They hold your money hostage and will not release it for 6 months. Even if you have shipped the items to the customer.

DO NOT USE UNITED BANK CARD!!! STAY AWAY FROM THIS FRAUD MERCHANT!!!

The customer service is horrible. You will stay on hold forever and is impossible to get a hold of any supervisors. I am suing them in my local court as we speak. There are many complaints about this United bank card throughout the internet. United bank card ir united bank service is a FRAUD, RIP OFF company.

File a complaint against them with the Attorney General of New Jersey.

Once again, STAY AWAY FROM UNITED BANK SERVICE!

They are nothing but liars, fraudsters who will stop at nothing to take your money.
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#4 UPDATE Employee

rebuttal.

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

We see another horrible rebuttal from a bad merchant. This person is completely incapable of understanding the fact that everything they are complaining about is completely justified and that United Bank Card is within the right of the Terms and Conditions. The fact that his lunatic has nothing better to do then insult people on the rip off report speaks volumes of the character of this person.

This person has spoken to people on the phone and has also written on the rip off report using nothing but threatening language. If you would like to threaten with indictments or would really like to something besides complain in a forum please do so. I would advise you go to the BBB or maybe get a lawyer, you would quickly learn that you have no case and everything you are upset about is because of YOU. The complaints or charges you have are about as valid as the product you seem to sell. YOU have the unhappy customers who charge back not United Bank Card. Please look at the person in the mirror and realize that YOU are the person who should be reported on the rip off report, YOU are the scam artist not the company that is trying to protect itself from bad merchants like YOU. Maybe if you do this you will have more time to actually keep your customers happy and prevent charge backs, maybe another processor will do business with you for a few months until they also realize that you are incapable of running a business and are once again receiving charge backs from unhappy merchants.

I have to ask the rip off report to prevent this person from replying or posting anything in the future as his complaints are nothing but personal attacks and are peppered with rhetorical questions that are completely irrelevant. I am pretty sure one time the reader was asked if the writer was an idiot..... I think based on all conversations with this person and his inability to understand what a chargeback is and how they work the answer to that is an resounding YES he is an Idiot.

The person filing this complaint should feel free to contact Chris Rotondi at United Bank Card if he really has to discuss his unwanted closed account any further. If not please he can bang his head continuously against a wall until he finally figures out that rational normal people don't do that, maybe then he will understand that in order to be a reputable company like United Bank Card he should sell his customers what they order not just take their money and give them nothing

Thank you
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#5 UPDATE Employee

There are always two sides to a story....

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

I have been in this business for many years......funny how the ones that complain the most are the ones who are violating Visa/Mastercard rules and regulations and then they blame there processor.

THis merchant was running two businesses out of his home and running all of his transactions out of one machine. When his customers saw a charge from a company they did not recognize they charged it back.

It was only when he was caught running fradulent transactions (it is illegal to run transactions for two businesses on one merchant account) on his terminal that he had a problem with UBC. In chargeback issues money is held according to Visa/Mastercard regulations NOT to pay our payroll. It is a cardholders right to file a chargeback and up to Visa and Mastercard to settle.

You also mentioned (in one of your three posts posing as different people) that Mr. Isaacman does not return phone calls. Well let me tell you I get his voicemails and there has not been one message from you to him at all.

Mabye you should worry about running a legitimate business yourself instead of bashing Jared. Anyone who knows Jared is smart enough to know that nothing you said about him is true. You should be lucky enough to be as intelligent and successful as him.
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#6 Author of original report

Jared Isaacman, United Bank Card, Mark Ward Chris the useless customer rep

AUTHOR: Bitch on wheels - (U.S.A.)

Chris, you can't spell worth a damn. Worse yet, you do not have the facts in my case. You are generalizing, and you need to get your resume out there....you will need a new job soon.

In my case, I did not have what you said "Excessive charge backs". What is excessive anyway? I had 3 of them in 4 months. 2 of them were from the illegal aliens who have been allowed to have US Bank Accounts and Credit Cards. I shipped them the products, they received it. THEN, they call their bank credit card company and make a dispute, also known as a Charge Back. They kept the product AND got their money back. So, uh...how is that a good plan that you have in place? These people are professionals, they do it all the time. They get free products. Your company won't protect me. I take the huge hit, and you penalize me. You threw a GREAT customer under the bus! Do me a favor, explain that to me. EXPLAIN it. I gave you the facts, now explain it.

Your company was faxed this info from me, emailed this info from me, called in this info... was there another way I should have communicated, besides these 3 technologically acceptable modes of communication? Drop a note from a plane? Oh, I could have had your owner, Jared Isaacman do that for me!! He likes to fly expensive jets! In his ridiculous jumpsuit.

Your company is CLEARLY having financial issues, and the credit is FREEZING/FROZEN. So, you hold money for 180 days (6 months) Interest free. Wow. Nice for you.

The FTC needs only 1 more complaint filed against you and they will do a FULL investigation.

At this point Chris, with the rapid and numerous merchants who your company has ripped off...I think it is time to get that resume together. But for goodness sake USE SPELL CHECK!

OH..and one more thing that I am certain you do not know about. But you should. The way a Search engine works, like say GOOGLE, is this. The more references to a word, name, etc. that an article or blog (this forum here) has, and the MORE words it contains, and the MORE it is added to, the MORE POPULAR it is in the search engine.

I see that your President Jared Isaacman has RipOffreports about him on the first page of google! So, Chris... keep answering all the rebuttals on this RipOffReport.com, about United Bank Card, Jared Isaacman, and Mark Ward, and all these RipOffReports will keep moving higher in the Search Engines, and will take over the first pages of all search engines, Jared Isaacman, Mark Ward, Chris the Job Searcher, and United Bank Card UBC, New Jersey.
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#7 Author of original report

Jared Isaacman, Mike Ward, United Bank Card SUCKS

AUTHOR: Bitch on wheels - (U.S.A.)

Chris: - I am replying here, in this forum. Your rebuttal is weak, like you.

Your following comment tells all! ...here it is.......
"I would like to be more in depth but as usuall a merchant number is not provided nor is any contact information."........

First of all Chris, you can't spell worth a damn. I found 6 errors in your rebuttal.

Second: The statement says it all! You have this problem alot don't you? Rip off report has dozens of merchants who found a way to get to your company, for the damage you have caused. Only 1 more report needs to be filed with FTC, and your company is officially under investigation.!!! You are part of the scam, so be careful...you could easily be indicted too. Ha!! Finally..... HOW MANY merchants DON'T know about RipOffReport, and are just sitting there, with no money, and you are holding it. and they have no way to let the rest of the world know...what your company is doing to people and their MONEY?????

The words in your rebuttal statement "as usual" gives it away! This happens alot to your ruthless company....

No, I won't post my merchant number on here. What an idiot you are. And I HAVE CLOSED my account. MerchantOne, Cardservice, and claims that you closed MANY accounts recently, due to the credit and banking problems you are having. Just BAMM..you close them, with ridiculous excuses. AND THEN HOLD THE MONEY from the merchant for 180 days!!!!! That is half a year!

AND, I did not infuriate my customer, and that is not why they did a chargeback on me! The truth is, AS I TOLD your company over and over, they are Illegal Aliens, using a credit card that they have no intention of paying on. WHEN I CALLED the credit card issuing bank of the Illegal Mexican Aliens, they told me thiese Aliens had disputed / done chargebacks on 12 items from many companies. THEY ARE GETTING PRODUCTS FOR FREE....... And you know it. THEY NEVER contacted me, and complained about the beautiful product they received. THEY ARE PROFESSIONALS AT THIS.

Anyone can do a chargeback, and you all let them. YOUR AGENTS GET $10 bucks when there is a chargeback. You charge me $30, which means you get $20, plus the money for the sale. YOU LOVE CHARGEBACKS. AND YOU LOVE CLOSING ACCOUNTS, because you can hold the money for 180 days. Interest free.

THIS IS THE BIGGEST RIP OFF I HAVE EVER seen.

Your days are numbered. Get that resume out there Chris. If, anyone would hire you with your ignorant spelling errors. Do spell check, before you send that resume.
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#8 UPDATE Employee

chargebacks

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

one last note regarding how ignorant of a complaint this is.... This person also seems to be under the impression that if they have a customer despute a charge made at there merchant location United Bank Card is responsible to pay this charge back on behalf of the merchant while they also get to keep the money for the fraudulent transaction.
This complaint file is fraudlent, and is made up of the most backwards thinking I have ever encounterd.
if a merchant can actually make a transaction that isn't FRAUD maybe they will not have chargebacks. If the merchant can actually not infuritate their customers to the point of charging back Maybe they will have not have to file dumb complaints calling laced with profanity. Maybe the customer who charged back on this merchant should put them on the rip off report. Please contact me when ever possible at Chris@unitedbankcard.com so your account can be closed.

thank you
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#9 UPDATE Employee

lack of understanding

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

It is unfortunate that the person writing this complaint has been given such bad advice regarding the credit card processing industry and had resorted to personal attacks on the owner of United Bank Card. It also unfortunate that this person take the word of a competitor as truth and seriously beleives that funds from merchants need to be held to cover payroll. I am not sure how that competitor who told you this conducts business but that is not how it needs to be conducted at United BAnk Card.
I will offer some insight to complaint. I would like to be more in depth but as usuall a merchant number is not provided nor is any contact information. I will provide my emial address in the hopes that i will be contacted to help recitify this specific complaint.
a credit card transaction can be chargedback by the issuer of the card or the cardholder anytime within 6 months. Merchants can get paid for these transactions as quickly as 48 business hours. If a card hold charges back anytime after that the processor is responsible for paying the issuer back. the "crooks" at united bank card woudl have to pay these 17000k back. since United Bank Card is responsible for the where abouts of these funds for the other 178 days of this authorization it has every right to hold and verify these transactions. I find this complaint completely slanderous and uninformed. please contact me at chris@untiedbankcard.com if you are seeking any real resolution to this issue.

thank you
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