- Report: #909394
Report - Rebuttal - Arbitrate
Complaint Review: Sage Payment Solutions
Sage Payment Solutions1750 Old Meadow Road #300 McLean, Virginia United States of America
Sage Payment Solutions BMO Harris Bank N.A. Unauthorized Charges to my bank account for services after cancellation by me. Causing me to incur NSF fees by my Bank McLean, Virginia *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
*Author of original report: Sage Payments
*UPDATE Employee: Response to C Riley from the BBB.
On June 9, 2012, I noticed another charge on my account and sent another email to Mike. Michael I am forwarding this email again to you because I am being billed again $3.95 and $29.95. I requested that all merchant accounts be temporally closed. You were not authorized to take these funds from my account. I closed these accounts as per the attached email. I told you on the phone that my business was not doing very well at the time and needed to close the accounts down for awhile. I have not made any income in a year or used this processing service in a year.
However, you have continued to receive my payments without complaint. Please refer to the contract that you signed stating that I could do this at any time without penalty. Also It seems that I am being charged for PCI non compliance. I did this in January. I was sent an email and I self certified. all of these matters should be corrected immediately and my funds redeposited into my account. Your accounting has caused my account to be overdrawn. I am sorry Mike but I just do not have the money anymore.
On June 8, 2012 my bank called me and said that I was over drawn once again because of another $100 check that was coming in. I looked at my account and it was Sage charging yet another fee to my account with out my authorization. I immediately called Sage and talked to Tom C who sent me an email and asked for the information for Mike Stenstrude.
Tom C.Merchant Financial SupportSageSage Payment Solutions1750 Old Meadow Rd.Mclean, VA 22102Tel: 1(800) 261-0240 Ext. 410850Fax: email@example.com://NA.Sage.com/sage-payment-solutions. I sent the information to Tom C. Thanks Tom!
Please find copies of the email that I sent to Mike Stensrude of Sage, Senior Account Executive. You will also find his contact information below.
$3.95, $29.95, $78.95, and $29.50.= $142.35 owed to me. Please remit right away. This is an attempt to collect a debt owed. Sage also charged me $78.95 in July after I had canceled. This charge caused my bank to charge me a Not Sufficient Funds Fee of $29.50.
Once again you have charged my account for another $103.95 in addtion to $29.95 for NSF This has to stop now. I do not owe you anything and I did my self certify for PCI compliance in January. Please add this amount to the amount that you owe me. Again this is an attempt to collect a debt.
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 07/10/2012 10:58 AM and is a permanent record located here: http://www.ripoffreport.com/r/Sage-Payment-Solutions/McLean-Virginia-22102/Sage-Payment-Solutions-BMO-Harris-Bank-NA-Unauthorized-Charges-to-my-bank-account-for-se-909394. 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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