Express Merchant Processing Systems First Data This is a SCAM Atlanta Georgia

I contacted First Data because it was listed on a reputable website in my industry which is to mental health care and yoga. I was told that the charge for having a swipe card machine for my phone would cost $5 per month and the fees for each charge were explained to me. I got the machine set it up with a phone call and then went out to continue marketing to get clients.

Two months later I received a letter claiming I owed $170. I did not recognize the business, Express Merchant Processing Systems, so I thought it was an error. I then got a second letter a few weeks after that stating that I now owed $296. I was confused and learned that the reason I was being charged was because the company calimed they could not withdraw the $5 from my account and charged me an ACH reject fee of $25 and then a bill collection fee of $50 for the last four months that I thought I was being charged only $5 each month. That's 15 times the cost of the monthly charge!

It seems that they purposefully did not withdraw the monthly fee so that they could charge me the $75 each month. They are now threatening to report this to my credit. I filed a complaint with the State Attorney General and will be working with my bank and taking them to court if necessary. 

I was told that they provided excellent customer service. However, I never received a call or email alerting me that they could not withdraw the $5 from my account. I also did not receive an explanation of why I was receiving the bill and what the charges are for. This seems to be an error on their part and they are trying to extort money from me because they did not want to take the time to make a simple courteous phone call to clear up a simple matter.