• Report: #581084
Complaint Review:

Elavon Inc.

  • Submitted: Mon, March 15, 2010
  • Updated: Tue, August 30, 2011

  • Reported By: susan — pittsburgh Pennsylvania United States of America
Elavon Inc.
Elavon, Inc. Knoxville, Tennessee United States of America

Elavon Inc. Merchant processing company I own a small hair salon in pittsburgh. I decided to process credit sales with a new company for a better rate.I had not been told to call elavon to cancel the account. I was charged unkowingly 31.75 Knoxville Tennessee *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*UPDATE EX-employee responds: Being polite never hurt anyone

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I have been charged 31.75 dollars every month for over two years after moving to a new processor.I wasnt told to close Elavons processing services, and after two years with no activity, they continued to rob my account. When I spoke to a manager there reply was oh well, didnt you see this amount being charged to you every month. I thought it was the cost of renting my visa terminal. I am a small hair salon in pittsburgh, and want to warn other small businesses of the merchant processors. Beware! When there isint activity on an account for over four months, most processing services contact you. This company did not try to contact me or return a portion of my money. 


EDitor's Suggestions on how to get your money back!


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!


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.


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 03/15/2010 08:00 AM and is a permanent record located here: http://www.ripoffreport.com/reports/elavon-inc/knoxville-tennessee-37920/elavon-inc-merchant-processing-company-i-own-a-small-hair-salon-in-pittsburgh-i-decided-581084. 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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Updates & Rebuttals

#1 UPDATE EX-employee responds

Being polite never hurt anyone

AUTHOR: CCochran - (United States of America)

I worked for Elavon for more than three years. I did customer service and voice authorizations.

#1: It clearly states in your contract that you have to terminate your account with Elavon. Read your contract.

#2: This happened all the time. Every single time I took a call like this it went one of two ways. If the merchant was polite about it, a manager would look at your account history. If you hadn't used the service in so long, they would refund most of or all of the fees you paid as a result (as long as it was outside the contract window). For example, if you signed a 24 month agreement 36 months ago and you haven't used the service in 15 months, you would likely be refunded for 12 months, as the first 3 were under contract. If the merchant is rude and non-cooperative, the manager will likely say that you should have read your contract and your monthly statements. Simple as that. (Which is true. Elavon is not obligated to refund any merchant fees outlined in the contract, but they usually will when someone makes an honest mistake).

Bottom line, read before you sign. Be attentive and vigilant about looking at your merchant statements. Pay attention. That would have saved you a lot of time, trouble, and effort.
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