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Complaint Details
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Initial Complaint
04/22/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I want to warn others. This company is holding $15,000.00 of our money for no reason. We closed our account with them on 2-1-.2024. We have the e-mail to prove it. WE CLOSED THE ACCOUNT. We want our money returned mmediately. We have tried to call, e-mail, use thier chat - no one gets back to us. We are being scammed by this company. read the other reivews and compalints here - sameting. We want our money returend to today, We writing here to warn others. We are filing complaints with the Utah Attorney Generals Office, Illinios Attorney Generals Office, 1. Utah Attorney Generals Office, The Illinois Attorney Generals Office, Better Business Bureau, The Department of Financial Protection and Innovation (DFPI), Consumer Financial Protection Bureau, FTC. This needs to be documented. Also - this company has an A+ ratig because they pay for accredidatin. How does a compamy with 6 one star reviews have an A+ rating?
Business response
04/23/2024
Regardless of any coincident request to close the account that **** ****** may have sent to us, National Processing concluded that we needed to close the merchant services account for Construct-A-Lead due to a high volume of chargebacks. When National Processing attempted to charge Construct-A-Lead for the value of those chargebacks, the account-holder erroneously informed their bank that these charges were not authorized. The contract that Construct-A-Lead had with National Processing expressly permits charges for any chargeback activity relating to the account.
Rather than allowing Construct-A-Lead to continue performing transactions that were highly susceptible to chargebacks, we had to close the account and exercise our contractual right to hold funds for 180 days.
Construct-A-Lead recently won a chargeback dispute that allowed National Processing to apply the proceeds of that transaction to the delinquency accumulated by Construct-A-Lead. As a result, National Processing is now holding only $1,320.10. **** ****** received at least 3 replies from us yesterday and at least 2 replies from us today about this issue.Customer response
04/24/2024
Complaint: ********
I am rejecting this response because:This is VERY inaccurrate. National is holding $15,000.00 of our money. We have communications from Natinal Processing yesterday confirming this.
We have had our attoreny review the contract. They are not allowed to hold money. This money does not belong to them. Highly illegal.
WE closed the acocunt in writitng on February 1st, 2024. National Processing is not capable of processing small businesses credit cards.
We have now filed compalints with the Attorney Generals Officie in Utah and Illinois.
They are lying here, however - they can not lie to the Utah Attorney General and the Illinois Attoryney Generals office. Then we will file with the FTC, Consumer Financial Protection Bureau, The Department of Financial Protection and Innovation (DFPI). We want this dovcumented everywhere.
Warning others not to do business with this company. The BBB can not do anything however Attorney Generals can.
As you can see by their response they are nto out to help your business. Why would you lie here?
Not sure why they would take on all the negitive posts. We want our money returned today.
They try and say they can hold on to your money - however they can not. Quite simply it's not their money - it doesn't belong to them.
Sincerely,
******* ******Business response
05/01/2024
We have had communications with **** ****** on Monday, Tuesday and Wednesday of this week. Our email communication today included spreadsheets detailing the handling of funds; all funds are accounted for and were handled in compliance with the contract. Bill has received an invitation to talk with senior leadership, but he has not accepted that invitation up to this point.Customer response
05/07/2024
Complaint: ********
I am rejecting this response because:Warning to all. There is no customer service period - you wl le=wait on hold for 20 monutes, not have your e-mails returend. No one responds to chats/tickets created. *** forbid you have a chargeback - they have ZERO chargeback support. They try at any cost to put you on a rick hold - good luck getting your money back.
Sincerely,
******* ******Initial Complaint
11/29/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I contacted National Processing a year ago based on their claims of charging lower merchant fees when clients use a credit card. I explained to the sales agent that I'm a small sole practitioner, I did not have any clients yet. He explained the "cash discount" option in which the only fees are charged to the client, not me the merchant. I said it sounded great and signed the forms. In Jan 2023 I started being charged a monthly fee and they said I had agreed to this and was locked in for 5 years. I was very upset. I called in March thinking they would clear it up and refund me but instead they said I was locked in for 5 years. They named a very high cancellation fee. They said they would agree to cancel it in December ****, which is an even higher fee than their cancellation fee. I don't understand what they are doing or how they can have the salespeople say one thing and the paperwork say another.Business response
12/18/2023
Hello ********,
Weve done some research on your account and come away with some findings. The salesperson you worked with is no longer employed at National Processing. We apologize that your experience with our Sales team was not as clear and straightforward as it should have been. Accordingly, weve closed your account as you requested, and we have waived your early termination fee. If you have any other feedback that can help us achieve our high standard of ethics and transparency, please let us know.Customer response
12/20/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*************************************Initial Complaint
10/26/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
DO NOT USE THIS COMPANY. THEY ARE THIEVES They hold your money and will not put it in your account. They are holding over $5400 of my money for no reason other than to be thieves Capitol One paid them but they will not put the money into my business account. I have done nothing wrong. Capitol One has issued a dispute against them for me and I am going to be filing a police report about them. They have also threatened me a man by the name of *************************** ( who is a green haired, look up their executives) who is an alleged supervisor. They are threatening to boycott me for all other credit companies to never do business with my company so that my company cannot take credit cards. . If that were true why did they approve the sale and accept the money from Capitol One but not give the money to me or back to Capitol One?. They are thieves. As of the writing of this they will not give me the $5400 or give it back to Capitol One they were given by Capitol One and are now attempting to take ANOTHER $5400 OUT OF MY BUSINESS BANK ACCOUNT. They will not allow me to do a credit and Capitol One is now involved in a dispute. As stated they are thieves. BEWARE I charged on my BUSINESS ACCOUNT and the money was to go into my bank business account.. The bottom line is they were given the money by Capitol One and refuse to give it back to Capitol One or me. There path to a resolution is this. They want me to give the thieves another $5400 wait 180 days and then they will give me back the $10800. Bottom line is they are thieves and want to keep the $5400. They told me when I spoke to them the second time that they knew Capitol One would do the dispute which I put in and give me my money back and they would see to it that no other credit card company would allow my business to do credit cards. They also told me they were going to take another $5400 out of my bank account WHICH THEY HAVE ATTEMPTED TO DO. WHY? They have MY $5400. Does that sound like a reputable business?Business response
10/27/2023
It is unfortunate that you have not had a positive experience with National Processing. Running a transaction on your own card was in violation of card brand rules. Because this transaction was in violation of the card brand rules, we are required to report this to our partner banks and the card brands. Our team was trying to help you understand the situation. Our team has provided a path to resolution for you, however so far you have been unwilling to work with our team. We are more than willing to work with you for a resolution.Initial Complaint
10/02/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
National Processing - Due to their fault have charged my accounts with $9000. They keep blaming TSYS for this and are not responding to any of my requests to get my money back. It’s been 7 days already.Business response
10/26/2023
We noticed that there was an internal error regarding the IRS Backup Withholding settings. As soon as we noticed the error we informed you and associated businesses of the situation. The backup withholding setting error caused the funding of EBT card processing to be withheld from the deposits. The issue appears to have affected 3 of the 8 active processing accounts. The issue has since been resolved, all funds have been released, and fees were waived for the months that merchant was affected.Initial Complaint
12/09/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I have been attempting to work with National Processing to have our customers information transferred into our new processing system and this data transfer is possible, but they claim its their policy to not share this data. I would simply like for our customers data, including credit card numbers and banking routing and account numbers to be transferred. I have spoken with ***** (supervisor) and he has claimed this transfer is possible, but again, its not their policy. This has put our business in a very tough position and Im asking for some help from them to assist with this transfer and something I was assured by *** (Sales Executive) when we originally signed up for their services this wouldnt be an issue if we ever decided to part ways.Business response
12/13/2022
Due to our company Security Policy we don't offer this as an option due to the risk we take on as a business and the risk it can put on the business owners clients. This is a standard practice for our industry.Customer response
12/13/2022
Complaint: 18551764
I am rejecting this response because:This data transfer process can be completed securely and without violating any compliance laws per my phone conversation with ***** (National Processing supervisor).
Sincerely,
***********************Business response
12/14/2022
Apologies for the frustration but due to our internal security policy we are unable to share any customer information. We take security very seriously and this is a violation of PCI compliance. We would be happy to let your new processor take over your current gateway as a solution.Customer response
12/15/2022
Complaint: 18551764
I am rejecting this response because:
I disagree.
Sincerely,
***********************Initial Complaint
10/28/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
National Processing continues to call me about a debt that I no longer owe. I have blocked their number several times but they continue to call an harrass me.Business response
11/07/2022
This consumer cannot be found in any of our records as having an account with us. I have called and emailed the consumer to see if it could be under someone else's name.Initial Complaint
10/19/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
On June 22 2022, my husband and I started our autotomotive buisness in **********. We wanted to allow our customers to pay ** by using multiple forms of payment and was in seach of a *** dervice to accept cedit cards. I found National Processing and was impressed with what they had to offer and they had had low processing fees. My husband and I signed the agreement, but we have never received the *** device. I have called the 800 number and was told that I would be receiving a call back from my ******** called me back and assured me that I would be receiving a *** dervice in a couple of days and still no *** dervice. I am being charged a monthly fee every month for nothing. I am requesting for my account to be cancelled and for my monthly fees refunded immediately.Business response
11/07/2022
We have spoke to the consumer and resolved this issue.Customer response
11/09/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*************************
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Customer Complaints Summary
11 total complaints in the last 3 years.
5 complaints closed in the last 12 months.