First Data Services By Cardservice International Electronically forge your signature to "prove" you agreed to fees you never knew about. Create new fees at will and take the money right out of your account. Simi Valley California *EDitor's Suggestions on how to get your money back into your bank account!

This company gets a scanned signature when you apply for a merchant account, then they "sign" your name to anything they claim you agree to - even tho' you didn't agree to it. They send you many pages of fine print, which say basically that they can do anything at all with your money and your checking account, change their rules and increase or add fees whenever they want.

They collect your SSN, bank routing numbers, everything they need to have power and control over you - and you give it to them because you think they are a ligitamate, trustworthy finance business partner, enabling you to take credit card payments. But then they take total and blatant advantage of you and your money after you've agreed to their fees. They invent new fees at will, and take it right out of your bank account whether you know about it or agree to it or not.

They continuously increase their fees. I have a month-to-month contract. Nothing was ever said about an annual fee. Now they have taken $120 out of my checking account, calling it an Annual Compliance Service Fee.

Here are places we can go to file complaints and get these people investigated and STOPPED... FTC.gov, click Consumer Protection, then click Division of Financial Practices. Here is an excerpt from that site: "The advertising of financial products or services, including subprime credit cards or stored value cards. Consumers are entitled to accurate and complete information about costs and other key terms before they enter into financial transactions: it allows them to compare offers and make informed purchasing decisions. The Division challenges the deceptive marketing of credit cards, stored value cards, leases, and other financial products."

Go to your state's Attorney General office and register a complaint.
Ask who in your state governs credit card companies. In FL it is the Office of the Comptroller of Currency.
Then there's FBI.gov; click on Report Internet Crime.
Here's a great link to report fraud online: (((link redacted))).

And the BEST help on Cardservices international and getting your money back is posted on this website by the Editor of Ripoff Report.com It's posted in the rebuttals:

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

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

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!

DO NOT TAKE NO FOR AN ANSWER!

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.

CHARGES TO YOUR CREDIT CARD

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, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.