• Report: #874196
Complaint Review:

first national merchant services

  • Submitted: Thu, April 26, 2012
  • Updated: Thu, April 26, 2012

  • Reported By: pragnesh — newport news Virginia United States of America
first national merchant services
1601 Dodge St. omaha, Nebraska United States of America

first national merchant services company debit our account without reason - without our permission - at the same time company was not our service provider omaha, Nebraska *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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we are doing business as n/y gold and diamonds and i am president of the company.on 09/30/2011 we sale some item to parker/janet v by her visa card .....4639 after checking her id and get approval code 377280 by batch no : 000415 and method : swiped.

 then we received charge back request 0n feb 15 2012 to submit sales draft and we try submit the sales draft by fax but after somany try fax was not received by charge back dept..then i call them and get email id and send them by email : jackerman@tsys-ms.com on feb 18,2012 at 12 :17 pm and mr.j.r.ackerman received my email and send me a email that received and forwarded to chargebacks. on 18 feb 2012 at 12:18 pm . we have a copy of that email.

 after that we received a letter on march 22,2012 for 10 day prenotification : pending debit to your account . and we send again sales draft by email : rwhitehead@tsys.com on 03/28/2012 and this person send email :

Response received 
Roy Whitehead
Chargeback Specialist II 
TSYS Merchant Solutions 
Merchant Research Center
P:402.602.1936  F: 402.602.1999 
1620 Dodge St.  Mail  FL 22 West
Omaha, NE 68197 

and we also send fax on
(1) 402-602-1999 and 402-602-1949 attnn to brandy and she call us back from 402-341-0500 on my cell no 919-451- 8934 mentioning that she received my sales draft fax and you good.we have copy from verizon wireless.
(2) 402-602-3084 attnn to leticia and she also received the fax.

after all this we see our bank account was debited by $ 162.75 on april 23,2012. we switch this company on feb 28,2012 so at that time this company was not our service provider and they take money from our account without notice and without reason...

then when i call them they say on the first time when we send you charge back retrival request on oct 19,2011 you did not accept the letter...now we are in the mall and all merchant has a mail box at one place . postman is not going to door to door and we go and check our mail box everday. besides there is stric warning to the postman by malls that do not hand over the post to any merchant in the mall...and also mr.roy confess in his email dated 4/25/12 that they received back from usps saying that return to sender not deliverable as addressed unable to forward .. but it is not and never possible in the mall .so this company by him self forget to send us letter and now blame on us and take the money....if we didnot received the letter how do we know there is chargeback...we never dream..also then company send us another letter to reply and we reply them in time....

second problem is that we call to the company that we donot want your service any more so send us labe for shipping the terminal on feb 28,2012 and company send us lable and we shipp them and they received the terminal..then on march 5th we see our account was debited by $ 100.70 and i call them and they say you didnot inform us to cancelled the account so we charge...i say that is not my problem .. your internal company correspondence is missing....then they say ok we will give you credit but still today the didnot give us credit.

so we scared about this company that they have our routing no and account no so they are taking money from our account and this company have to give us our money back $ 263.45  .

we request your good selves by this report to help us in this matter and let us know do we have to go to the civil court as we have all the evidence and if needed we can contact to the usps department and can call the postman who was on duty at that time...and are able to check usps record for non deliver of letter.

this company is telling lies and did fraud two times in our account even they are not our service provider after feb 28, 2012.

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 04/26/2012 10:27 AM and is a permanent record located here: http://www.ripoffreport.com/reports/first-national-merchant-services/omaha-nebraska-68102/first-national-merchant-services-company-debit-our-account-without-reason-without-our-p-874196. 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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