Report: #972274

Complaint Review: Global Merchant Services

  • Submitted: Wed, November 21, 2012
  • Updated: Mon, November 26, 2012
  • Reported By: aflorida — Florida United States of America
  • Global Merchant Services
    121 South Orange Avenue Orlando, Florida 32801
    United States of America

Show customers why they should trust your business over your competitors...

Be careful when applying for credit card processing services with Global Merchant Services.  The sales person I dealt with, Guy G., seemed to be very positive and knowledgeable, but in the end he took advantage of a small company in order to get a sale.

I was charged $149 and told my account was approved.  After less than 4 days of processing, we were sent an email from the Risk dept stating that our account was closed and we could no longer process.

Obviously I was shocked (aside from the fact that this company communicated very well during the sales process, but I get no call explaining, only an abrupt email from someone I'd never spoken to).  My business was immediately effected, as sales were stopped instantly - of course. 

When I was finally able to speak to my sales rep, I was informed that underwriting had decided that we were too risky for them.  This is where I learned that you are actually "approved" and charged BEFORE underwriting actually reviews your application.  If this is not the case, then someone please tell me how we were shut down after the underwriter took one glance at our website.

In the end, I did ask for a refund of my application fee, and was told by the sales person that he was "going to try".  After a few more emails to/from him (and he was extremely unprofessional in his responses), and a month or more, I filed for a charge back.  My CB was denied, as the sales person responded that I was "acting out of anger" and that my company "withheld information on the application". 

This statement is untrue, and if the underwriter (and anyone else on Earth) can take one look at our website and see what we do, anyone would know that we did not withhold information.  The sales person maintained that he "did his due diligence", when actually what he did was anything he could to get his contract signed and fee paid.

Congratulations, sir.  I hope you enjoy your commission.  $149 is not a huge amount of money, but treating people this way is certainly not the right thing to do.  I may not have gotten my money back, and we may have lost sales in being shut down, but at least I can sleep at night knowing I would never take advantage of someone just for a "sale". 

To the consumer: just keep in mind that the sales people will not ask you everything they need to know.  They will either assume that you KNOW what they need to know & should be telling them, or they will try to bend your info for an approval.  Two of the companies we spoke to after this happened had similar situations, where the sales person wanted to "bend" the information in hopes that underwriting would approve. 

DON'T ACCEPT IT!  It's not worth it!  You'll be processing for a few days and BAM!  The rug will be pulled out from under you either by shutting you down completely, or withholding large percentages of your sales, which you cannot get back for 6 months - even if you cancel.  Credit Card Processing Sales, in my experience, will do anything to get a sale - even if it is at your expense. 

2 Other things I've learned that may help you in your shopping:
1.  Submitting an application to these companies does NOT mean just checking to see what the company can do for you (limits, fees, etc).  When you submit an app, they can/will (if approved) literally set up an account for you & charge you monthly fees, and you may not even realize it. 
2.  Each company can see what the other companies have approved you for.

We thought we were just "shopping" processors, and the next thing I know, we're being told, "Oh it looks like "XYZ Company" approved you for "X amount of dollars".  So you will be innocently just trying to start/run a business, and they will be playing you for that sale.

I am not "angry", but it does sadden me to be treated this way, and I thought my writings could possibly help some other small business avoid being taken advantage of.
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This report was posted on Ripoff Report on 11/21/2012 01:50 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 Author of original report

Sticking up for the little guy

AUTHOR: aflorida - (United States of America)

I'm sure that in 18 years, I'm the only complaint you/your company has EVER had.  Hopefully those reading this report can decide for themselves.  The attacking manner with which you wrote your rebuttle is gentle compared to the way you treated me when I DID in fact reach out to you several times, as you well know.

Yes, I signed a document stating that the $149 was non refundable.  I never denied that - not to you, and certainly not in my report.  The bottom line is that consumers should know that you can be told you are "approved" when in fact you are not really "approved", and can have the rug pulled out from under them when they think everything is going well.  We never withheld any information from you or your company.  We answered every question to the best of our ability, and as honestly as possible.  Our website was also LIVE, and any of you could have looked it up at any time... since this is all it took for the risk dept to shut us off.

You can be as upset about this report as you would like.  You will find that I very rarely do anything like this - only when I feel others should be prepared before getting into the same mess.  You will also be hard pressed to find someone who will label me as a dishonest person.  "My Bank" denied my request due to the fact that it was a "non refundable" charge - not based on my relationship with said bank. 

This is not a peeing contest.  If this report helps even just one person be prepared, then I'm glad I posted it.  Thank you for your rebuttle; you are certainly entitled to defend yourself.
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#2 REBUTTAL Individual responds


AUTHOR: Global Merchant Services - (United States of America)

In reviewing this complaint, we noticed how this merchant (Afton B. - Grocery Wave) can try to gain fans of consumers based on her own faulty personal beliefs when in fact all documentation was in fact clearly signed and notated in the beginning and throughout the entire process of the application process. Afton for you to submit a report on the website above shows us a great deal of character in which you are.

First of all, I am the person who stepped in to rectify the situation as Director Of Sales And Marketing (not your Sales Person) and provided you with accurate data and detailed step by step responses and worked on your case for weeks as I have tried to resolve your issue as you were well aware in all documents that you signed that stated that the Application Fee of $ 149.00 was non-refundable. So sorry that your charge back was declined, however, your bank must have noticed the same with your request and also noticed the documentation as was submitted to them for accuracy and that is why your charge back was DECLINED. Your merchant account was closed due to your business structure as we have approved the account based on what was told to us in the beginning. Unfortunately, your account was closed due to risk factors that your company did not disclose when submitting your application, but I SEE YOU ARE TRYING TO PLACE BLAME ON GMS and myself when in fact it was your fault from the beginning.

I of course have never had a complaint nor our company for the 18 years with hundreds of thousands satisfied merchants. I have been marketing merchant services and is quite concerned on why you would even attempt this knowing that I offer 300% of client satisfaction to all clients and merchants (which I have given to you as indicated in several emails that you sent back and forth to me on congratulation me on my efforts). HMMMM...

The $ 149.00 is not commissionable income for myself as I thought you should know this as I have been on salary for years. We only tried to attempt to offer excellent customer service to you as you turned it around when in fact your BANK DECLINED AND REVERSED the charge back based on documentation you submitted to GMS. I hope this clears up this complaint for all who read this to know that it is not the Processors or Bank's fault - but in fact can also be the MERCHANT (which in this case it is).

As I have indicated before that you can feel free Afton B. anytime to reach out to me.. So sorry you are feeling this way as again - I ATTEMPTED TO OFFER JUST WHAT WE HAVE BEEN OFFERING FOR YEARS WITH NO COMPLAINTS AS YOU CAN SEE ABOVE>

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