WorldPay ISC, Inc Merch Bankcard ChargeAnywhere Vantiv Merchant processing service not as presented and not canceled as promised. Refund REFUSED Symmes Twp Ohio

I was contacted by NPC WorldPay regarding credit card processing services. I was told their rates are lower than any other company and their service will save me money because they don't have fees. I was told by sales person #D0242R009 that there was no early termination penalty or hidden fees.... WELL ALL THAT COULDN'T BE ANY MORE WRONG AND MISLEADING.

Their rates are undefined... meaning they cant actually give you a rate because "i'ts defined by the card company (visa, mc, etc) based on they type of card that is used! LIE #1. Their fees!!!! HOLY COW $75minimum /month for the luxury of having an account + $9.95/month also another luxury of having the account + $19.95 PCI compliance fee because we didnt set up whatever this is - also they didn't tell us to set it up or how to set it up.

Supposedly there was a separate email sent but we never got it and they cant prove they sent it + $165/year another PCI compliance fee + $595 early deconversion fee + $25 if need to change my bank info + $15 retrieval fee + $99annual fee + $90 Regulatory Accounting Assistance Program fee.... we haven't even processed a credit card yet and this is already more expensive than all fees I've paid my current processor for 5years!!!

THis also doesn't include the fees for the processing machines to the tune of $40.05/month. so... that said - I canceled. I called them and informed them that none of this was saving me money and I wanted it canceled. THey said OK, it's canceled just send back the machines and we're all good. They got the machines beginning of February 2019 but here we are in September and I've paid them $1788.20 in fees FOR NOTHING!!! I only processed ONE CARD on their system to see how much the rate was going to be to see if even with all these fees, if the rate was low enough to average down the cost... it's not.

In late January 2019 when I last spoke to them I was assured everything was canceled and we'd have no more fees... my error was believing them and not double checking my accounts to make sure they were not charging me any longer. After a pre-tax season review of my accounting, my accounting person noticed this charge every month and checked with me on what it was so they could classify it properly... low and behold I had no idea what it was and due to the hundreds of transactions on my accounts every month it was unnoticed.

I spent a week trackign down what this fee was and contacted a company that I have never heard of before "Merch Bankcard" and they informed me that WorldPay set up the account for me with them and it had not been canceled... I told them I canceled it with worldpay in dec2018 & jan2019. Merch Bankcard said it was not canceled because I had not filled out their form!

WorldPay said there was noting for me to fill out... So I filled out the form and Merch Bankcard said i wouldn't be charged anything else. Since that day I have been charged another $595 AND $104.90 (these are included in the total $1788.20 mentioned above). I called WorldPay at 3pm 9/9/19 but they were closed... I left a message to have someone call me back. They called me back today 9/10/19. The short story is: Everything is my fault and I'm not getting any money back. to bad, so sad.

Refund fees charged after cancellation. $1683.30

Feb 6 2019 $269.90

Mar 7 2019 $104.90

Apr 8 2019 $194.90

May 7 2019 $104.90

Jun 6 2019 $104.90

Jul 5 2019 $203.90

Aug 6 2019 $104.90

Aug 26 2019 $595.00

Sept 5 2019 $104.90