ComplaintsforEvergreen Payment Solutions, LLC

• Initial Complaint

  08/17/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  In late May a representative of Evergreen Payment Solutions approached our business with a quote for merchant services that would cost $538/month and save us several thousand dollars each year in credit card fees. There was pressure to sign up right away, complete the application, etc. We received a box with equipment containing 4 credit card readers and we only have one register. During the process of completing paperwork to get set up, we noticed a LOT of one time, annual and monthly fees. Additionally, we were told all the equipment we'd received was "backup" and that we had to order the equipment to be used. This new equipment would come at an added cost, of course. We stopped signing paperwork and asked for an explanation of all the fees, etc. No response was given. One representative set up a phone call appointment to discuss the questions, but then did not call nor respond to messages. We feel their onboarding process is misleading and fraudulent. They say one thing then do another. When questioned, you don't feel like you're getting a straight answer. They began charging our account for fees, said we'd get a refund, but no refund has been issued. We would not recommend Evergreen Payment Solutions or their affiliates.

  Business response

  08/19/2024

  Hello *******, 
  
  Thank you for contacting Evergreen Payment Solutions!

  After reviewing the details on your account, we quoted your business with our Cash Discount Program based off of $42,149.33 in volume on a monthly basis. Annually, Evergreen Payment Solutions is set to save you over $6,000 in revenue. The Cash Discount Program allows our merchants to eliminate credit card fees all while rewarding your customers! ******************** does this by automatically adjusting your prices to offer a reward to customers paying by cash, this reward is in the form of a discount. We have attached your quote that confirms the $538 monthly total to your business and how it is built with the equipment program of $499 per month. 

  We would like to point out that the equipment sent to your business is all factored into your quote! This ensures you will have no interruption in processing should any unit's malfunction or we need to swap something out for your business. To address your concerns on the fees included with the merchant agreement- these are standard within the merchant service industry. Evergreen Payment Solutions clearly lays them out within our application so there are no surprises, the items you are concerned with are directly passed from the card brands and will be assessed with any merchant service provider you choose. 

  Your questions and points listed have been escalated through our management team and we will have someone give you a call directly! We hope that you give us the opportunity to gain your business and your trust, we look forward to speaking with you. 
  
  Sincerely, 
  Evergreen Payment Solutions

  Customer response

  08/20/2024

   
  Complaint: 22158086
  
  I am rejecting this response because:

  I have been told many times that "someone would call me" or "get back to me" with answers to my questions but this does not happen.  I have attached multiple emails showing my questions during this process.  These have yielded no response from anyone from EPS or their affiliates.  The response I did get was a text response to set up a phone call, which I did, but then no one called.  I have had other text responses saying someone would contact me ASAP but that never transpires.  When I needed to sign something...I was getting contacted left and right.  But when I have questions - nothing.  I sent a request for reimbursement of fees that have already been charged in the amount of $251.62 but have not even received a response nor the refund. While I do see that the equipment (FOUR card readers when I only have ONE register) you sent me would cost me $499 per month and that was included in the quoted price, you are telling me I won't even use that equipment, but I need to order another piece of equipment.  Everyone I have asked says the equipment I received are just backups in case something happens.  Why do I need 4 backups that I am paying $499 per month for and also need additional equipment that comes with its own lease fees? Other merchant service companies have only ever sent me one piece of equipment.
  

  If all I was paying was $538/month, it's true that we would save around $6,000 per year.  However, I added up all the annual, 1 time, monthly and per transaction fees.  Those added up to $6,173 just in the first year.  Also, why would I pay $1 per month for the *********************** and $1 per month to Dollar 4 ********? While these are small dollar fees, I did not agree to these donations that were inserted in the application. 

  When I finally said that I would not sign the last document that was sent my way until someone answered my questions, the e-sign document was cancelled and no one has responded since then. At this point, I would like the following to happen:

  1. A refund in the amount of $251.62 in fees that have been charged to my account.  I was told that until everything as all set up, any account charges would be refunded.

  2.  I hereby revoke permission given to Evergreen Payment Solutions and their affiliates to automatically deduct fees from the *********************** LLC dba Western Anglers business account ending in #****. This revocation has been given to our bank and is effective immediately. My bank has stated that they do have the ability to stop payment and will also assist me in reporting fraudulent activity.  This includes and ETF's that may be charged.

  3. I further hereby render any agreement with any of the following entities and their affiliates as null and void on the basis of fraud and false advertising.

  4. Equipment received will be returned in its original form.  No equipment has been installed or used. 

  5. This information has been communicated by email and postal mail to Evergreen Payment Solutions and all affiliates found on forms, quotes, applications or other documentation.

  Sincerely,
  

  
  ***************************

  Business response

  09/05/2024

  Thank you for contacting Evergreen Payments! 

  We have reviewed your account and confirmed that Evergreen Payments has closed your account without penalty. 
  There will be no further debits to your account no penalties assessed. 

  As there were no termination fees applied to your account, ****************************************** would not offer any credits for payments withdrawn. 
  Please call us directly should you have any questions! 
  
  Sincerely, 
  Evergreen Payment Solutions
  

  
  

• Initial Complaint

  08/01/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  On Feb 19, 2024, I was approached by a sales agent for Evergreen payment solutions, about changing credit card processors so that I could save money at my business. He quoted me a very low rate on V/MC/Dis as well as a few other fees, but the biggest fee being a flat rate of $130/mon that was described as both a subscription and an equipment lease at the same time. That's a huge flat rate to overcome, but the quoted discount rate seemed to show that they would save me money overall. Their effective rate 1.89%, compared to 2.5-2.9% I was paying before. They promised I would save money, even guaranteed that in writing, and would release me from the (4 yr $130/month) equipment obligations if they were not able to provide savings. Their rates after I processed with them for 2 months were not close to the quoted amount or quoted rates. The effective rate was more than 50% of their quote. They have been unable to provide any breakdown of the quoted rates to see how they came up with their estimated fee. They guaranteed I would save money, I didn't. They said they would release me of the equipment obligations, and would switch me to the processor of my choice. They have refused and are now threatening legal action. The contract I signed under the assumption that the quote and guarantee of savings would protect me if I was paying more to their company that I would have paid my current processor, is **************************************************************************************************************************************** where to sign. Assuming the contract stated what the salesman and phone agent were assuring me, and I also had the assurance of a document releasing me from obligations I didn't want, I signed the huge confusing contract. They didn't do what they promised, they broke their agreement. They promised savings, they didn't produce. They promised to release me, they are trying not to.

  Business response

  08/05/2024

  Thank you for contacting Evergreen Payment Solutions, Juniper!

  After reviewing the details on your account, we are pleased to report you are working with our escalations team as recently as Thursday, August 1st to begin processing payments again. 
  
  When quoting your business, your equipment program was included with the cost analysis while you are processing $21,049.48 in volume on a monthly basis. When processing consistently through Evergreen Payments, we guarantee to save you money against the 2.54% you paid previously. In the 2 months you processed, you did not process for an entire statement period, you began processing 4.11.24 and stopped processing on 5.24.24. To accurately assess your rates, you must process a full statement period. 
  
  To view the breakdown of your rates, you have access to the online portal to view each month's statement electronically as well as a hard copy placed in the mail to your business address. 

  Evergreen Payments Solutions is in current contact with your business, we look forward to working more with you in the future. 
  We reached out on Friday, 8.2.24 and are pending a call back from your office. Please give us a call at ************ so we may discuss any other questions!
  
  Sincerely, 
  Evergreen Payment Solutions

  Customer response

  08/07/2024

   
  Complaint: 22080541
  
  I am rejecting this response because:

  The quote the company provided me was for $21049.48 and around $392.67, including the subscription fee. (I understand that this amount can be a little higher depending on the cards used.)

  In April I processed $18,613 and they charged me $601.96 with the subscription fee.  

  In May, I processed $15,106 and they charged me $508.58 with the subscription fee.  

  Whether a whole month was used or not, they charged me MORE than the quoted amount for processing LESS in sales.  We are not talking about effective rate - this is just the gross numbers.  They charged me 50% more than their quoted amount for when I processed $2500 less. It doesn't matter if this was over 3 weeks or the whole month, they charged me more for less.  

  They have also talked about changing the SIC code from one repair business to another type.  This is not going to change much by way of interchange rates, and why didn't they use the best SIC code when they started my processing?  What code did they use when they gave me a quote? 

   

  I was guaranteed savings, they have no way of guaranteeing me savings and thus they should honor their promise of changing me back to the provider of my choice without any early termination fees or equipment obligations.

  
  Sincerely,
  
  ************************

  Business response

  08/10/2024

  Juniper, 
  
  There are many factors that come into play when calculating your rates and the savings listed on the quoted agreement. The volume has a heavy factor due to the equipment program being based on a benchmark volume, if you are not meeting the volume expectation this will outweigh your effective percentage rate. There is a disclaimer listed on your quote, please review this at the bottom of the signed sheet as it lists these details.

  Outside of the volume not meeting the quote, you also did not process for a full statement period. To address your reference to changing the SIC Code,  your SIC Code was set appropriately, we have options to change the fee class after you begin processing to quality you for better interchange rates if needed. If a business functions under the wrong SIC code(s) / fee classes, they may be paying more than they need to on interchange fees and are missing out on discounts they may qualify for. In most cases, it takes expert-level knowledge to truly understand which SIC codes will suit your business best as well as seeing how you process on average. This is not something that can be determined at face value each time. 

  As recently as yesterday, our team has been in contact with you. Evergreen Payment Solutions has reached a mutual resolution that is pending your signature to proceed. This is being sent to your email for documentation and attached here as well.
  
  Please call if you have any further questions, 
  Evergreen Payment Solutions

  Customer response

  08/15/2024

   
  Complaint: 22080541
  
  I am rejecting this response because:

  We are working on an agreement but I don't approve the initial drafting.  My lawyer is working on modifications and we will see if a satisfactory resolution can be reached. 
  
  Sincerely,
  
  ************************

  Business response

  08/31/2024

  Juniper,

  It appears a resolution has been or is nearly reached. We look forward to the completion of this matter. 

  Customer response

  09/01/2024

   
  Better Business Bureau:
  
  Evergreen payments and I have come to a resolution regarding complaint ID ********, Thank you for your help. 
  
  Sincerely,
  
  ************************

• Initial Complaint

  07/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  November of 2023 a guy named ***** started coming into my business trying to sell me on his credit card processing services(Evergreen Payment Solutions). I decided to give him a shot on 1/10/24. Things started off badly and escalated to the nightmare I am now in. I was noticing charges coming from ****. First thing that popped up when I googled that was a government website, however I would come to find out it was ********** Merchant Solutions. I also was seeing separate charges coming from ********* Payments who was a known affiliate of Evergreen. I contacted *****, and **** from Evergreen and they were both adamant that those charges had nothing to do with them. I told them both that I was going to put a stop payment on anything that was not them, and they said that was what they recommend. A few weeks later I started getting letters from ****** saying that I owed them money. They were apparently the ones behind the **** withdrawals. ***** told me there is no reason for those lease fees and they were included in what my monthly fee with Evergreen. Evergreen by the way quoted me out at 2.08%, and was in fact charging me 3.9%-5.5%, and if you include the 3rd party fee it goes up over 11%! For example: February 2024 they processed $7321.66 and charged me $404.74 (5.5%), and then the lease fee was$458.59 (6.2%). After going through a couple consultations, and Evergreen trying to get me to resign a backdated contract at 3.11%. I decided to start the process of dropping them as my cc provider. I have a letter of guarantee saying they will pay off my lease and let me go if they don't save me money. That was a month ago and now I'm getting letters from **** claiming that I owe them $15,760.20! It took an hour to get on boarded with them and now it has been more than 3 weeks for the cancelation team to get back to me. I am a small business and this amount of money will either put me out of business or ruin my credit. I don't know how this is legal.

  Business response

  07/03/2024

  *****, 
  
  Thank you for contacting Evergreen Payment Solutions!

  When quoted for your new merchant service agreement, Evergreen Payment Solutions quoted your business a total savings against the 3.86% you paid with your previous provider. 
  That cost analysis included your equipment program that is built through FDGL. This program is all encompassed with your savings of nearly $2,000 on an annual basis. We would also like to note that FDGL brands themselves as Clover,  we have explained in detail with your scheduled quality control calls. 
  

  On a recent conversation with you involving your rates, there were adjustments made to your account to provide you with more savings moving forward! For the month of February, your business was charged $247.32 based off of $7,321.66 in volume for your merchant processing. While being quoted for services, your business provided an average monthly volume of $22,114.79. Your business has yet to meet the quoted volume since beginning your services in February of this year. To keep good faith, we have issued you a credit to help with volume differences over the last 4 statement periods.
  
  With your agreement being signed with Evergreen Payment Solutions, we would like to take a moment to explain the relationship between Riverside Payments and Evergreen Payment Solutions. Our company, Evergreen Payment Solutions, is the company that handles all sales and servicing on your account. Riverside ********************* provides us with the ability to access rates and govern best practices to ensure that all activity is aligned with the requirements **** and MasterCard put out for the industry. The charges you are referencing to your DDA are for billbacks associated with the major card brands, these are not set to recur to your business. 
  
  Evergreen Payment Solutions has discussed your cancellation requests at length, explaining if you cancel services, you will be responsible for the agreement terms. 
  We have escalated your account further and will have a team member reach out to you shortly!
  
  Sincerely, 
  Evergreen Payment Solutions

  Customer response

  07/05/2024

   
  Complaint: 21933086
  
  I am rejecting this response because:

  Your sales rep ***** told me that my lease fee was going to be through Evergreen, and should be built into the monthly fee that appears on my bank statement as "*************CD" and that should be the only account making withdrawals on my account.  However, I have had 3 different "companies" making withdrawals: ************** FDMS, and Riverside Payments.  I would be thinking that I am crazy if it weren't for the other local businesses who have signed up with ***** that are having the same problems...This reeks of a scam. ************** Evergreen, or whatever you want to call yourselves may have only taken out  the $247 for February, but I was then charged another $458.59 by FDMS, or Clover, or whoever. You keep wasting my time having me call in for "consultations" where you tell me that you ARE saving me money, but simple arithmetic says otherwise.  You then try and con me into signing a "new" backdated quote that is over 3.1%.  I understand that I was dumb enough to sign up with Evergreen in the first place, but **** that's pretty insulting to even my limited intellect.   

  So you say its based on volume?  OK, well, lets take the month of April...I did $20,529.38 in CC transactions.  ************* took $781.33(3.8%), which is still higher than the 2.08-2.62% I was originally quoted, but not egregious.  The egregious part happens when I am then hit with another charge of $385 for an equipment lease from FDMS.  That brings the CC processing fee for the month of April to $1,166.33 (5.7%).  Which once again ***** told me the equipment lease should be included in the ************* withdrawals. That is why at both his and ****'s recommendation I put a stop payment on anything that wasn't *************.  I now have $15,760.20 bill that I am apparently being sent to collections over.  How is it justifiable that these cheap POS terminals are worth over $17,000.00 after what they claim I owe and what I've already paid?  Seriously I want that questioned answered!  By the way I thought It was odd that I got so many terminals when I only needed one, but ***** assured me that I wasn't being charged for them and they are just "redundant...because they break a lot"  you would think if they're worth over 5k apiece they'd be sturdier.  Once again, reeks of a scam!

  I've been told someone would contact me "soon" for almost a month now.  I need this taken care of NOW!  This $15,760.20 bill would literally put me out of business.  I would spend that money on an attorney well before I'd ever pay that ****. It's frustrating because it took me less than an hour to be onboarded, and there is a direct number you can call if you want to sign up for this terrible service.  When it comes time to cancel?...No direct number, no emails, no way to check status, nothing.  Just call your rep or a random customer service person to have them tell you "soon".
  
  Sincerely,
  
  ***********************

  Business response

  07/12/2024

  Hello, 
  
  Please review the quote you signed with your account executive *****; the $420 equipment program is built in with your savings against your previous provider. We would also like to reiterate that you represented your business would process $22,114.79 in volume on a monthly average to achieve a savings against your previous provider of 3.86%.

  There are factors that play into the charges tied to your merchant account, such as PCI compliance fees and other penalty fees if you do not meet standard requirements. 

  For the month of June, you were not PCI compliant, this has carried the penalty fees within your statement balance and is not included in your quoted effective rate.  We are happy to discuss the other outstanding items on your account, we attempted to do this with you when you requested to terminate the agreement. 
  To confirm, if you terminate your services with Evergreen Payment Solutions you are responsible for the penalties involved. 

  We will have a team member connect with you again to ensure that you understand the options you have to move forward. 
  
  Sincerely, 
  Evergreen Payment Solutions

  Customer response

  07/18/2024

   
  Complaint: 21933086
  
  I am rejecting this response because:

  I was PCI compliant as of 5/24/24. I have STILL not received a phone call.  Bottom line you are NOT saving me money.  Instead, you are costing me a fortune and causing unnecessary stress.  I have been trying to cancel services since the first week of June.  You have tried getting me to resign backdated documents, and I have been lied to about what I should be paying. I have lost all trust in your business and services.  I want you to honor the signed "Letter of Guarantee", and lets go our separate ways.
  
  Sincerely,
  
  ***********************

  Business response

  07/29/2024

  Thank you for contacting our team, when we spoke to you about your savings in May of this year - Evergreen Payments confirmed the charges you are questioning are from your previous processor. 

  We are happy to help you close them out should you proceed to process with Evergreen Payments. In reference to your savings, we would like to confirm that without the *** questionnaire being completed from your end - achieving the savings are not possible until this questionnaire is complete. If you choose to cancel, you are responsible for the penalties involved within the agreement terms. 
  
  Please give us a call at ************ if you would like to discuss this further.

  We appreciate and value your feedback, 
  Evergreen Payment Solutions

  Customer response

  07/29/2024

   
  Complaint: 21933086
  
  I am rejecting this response because:

   I filled out the *** compliance with someone from another company you guys put me in contact with on May 23/24(MX Merchant)because you guys "don't handle the *** compliance stuff".  You cost me more than my previous processor without the the added on "equipment rental"(through yet another company(Clover/FDMS)), and when you include the extra "fees" its more than 4x more(over 12%)!  You keep promising to save me money, then you charge even more, and try to get me to sign back-dated contracts for a higher amount that I originally signed on for. I have been doing my best to go point by point on all of your responses, and address each thing you say individually.  However, I feel like I'm talking to a bot.  Why did one of your people try to coerce me into signing a back-dated contract?  Why will you not honor your letter of guarantee? How can those 3 terminals (two of which are not necessary) be worth over $17,000?  Are you really going to force my hand, and make me contact an attorney?  Please respond to each of those questions.  I personally know another local business owner who is having the same issue with you, and judging from the other reviews on this website there are even more people like me.  You say the equipment is included in your fees, send multiple terminals even if the business only needs one, or doesn't need any at all!  You then allow a third party access to our bank accounts to charge an insane leasing fee on said equipment. Evergreen has proven to be sketchy company at best, and full-on criminal scammers at worse.  I'm thinking it's more of the latter.  By the way I have STILL not heard from the cancellation ****** It's been over two months!  This has been the BIGGEST headache I've had to deal with as a business owner. We are obviously too far apart on this, and I can never trust Evergreen again.  Honor your letter of guarantee, and LET ME GO! 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  05/06/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  A young man came in to our business and wanted to talk to us about changing our credit card processor. I said no, but my husband kept bugging me to it least talk to him because they were promising a much lower rate.They promised a 2.25% interest rate and free equipment. After I signed the contract, they then came back and said they needed more information to honor the rates. I told them the contract was signed, and I was not sending any more information. They kept sending more emails and calling saying they needed more information. I told them AGAIN I had already signed the contract, all they needed to do was send the equipment. Fast forward three months, they sent another contract they wanted me to sign, the rate is now 4.50%. I did not sign this contract and told them I would not sign the contract.Fast forward one week, I receive three boxes of credit card equipment in the mail. I then received a letter from Clover and my monthly lease rate for the equipment is $650 a month plus applicable taxes.I called Clover, and they said I can dispute, but I need to get in touch with the payment processor. I called and spoke with a young gal who was a supervisor, and explained the situation. She was of no help of course. I have had several businesses and know that credit card processors and Clover (equipment lessor) operate on the fringes and get by with unbelievably dishonest business dealings. I knew better!!Please. save yourself the heartache. If someone from Evergreen Financial calls or stops by with a great credit card rate or free equipment offer, do not believe them.This is business as normal for them. They lie to get you to sign a contract, then turn around and need more information to honor the contact you signed. Then when you dont sign their new contract, all the rates and equipment rates change. Honestly, I cant even get my head around this - bizarre!

  Business response

  05/07/2024

  Hello *****!

  Thank you for contacting Evergreen Payment Solutions. In January of this year, your business signed for services on our Cash Discount Program. This program allows our merchants to eliminate credit card fees all while rewarding your customers. 

  Based off this program, Evergreen Payments Solutions began the process to integrate into your existing Stripe *** software. The documents received were sent to you to ensure the *** is provided with the correct information to integrate seamlessly. We have noted that once your integration was ready, you opted out of our Cash Discount Program to move over to our F500 rates. This is the change of rates you were referencing. With the Cash Discount program, you were set to pay 1.71%. Without offering your customers the Cash Discount, your F500 rates would be changed to a 2.25% all-inclusive rate. Whichever program you choose, you are set to save between $3500 - $6500 on an annual basis. 
  We have escalated your concerns to our management team, someone will be in contact with you. If you would like to speak with someone sooner, please give us a call directly at ************.
  

  Sincerely, 
  Evergreen Payment Solutions

  Customer response

  05/07/2024

  As can be seen by the above documentation, after signing the original contract, I received an email from *********************** requesting 3 months of bank statements and credit card statements.  He emailed twice a day everyday, asking for the same thing.  I asked him, Why?  He never answered, he just kept sending the same emails.  He also called twice a day everyday.

  i emailed ************************* - the original sales person whom I signed the contract with and  asked him if I was turned over to another credit card company ot what happened, why am I being asked for more information. You can see the documentation above.
  

  I have attached the new contract above.  They sent me a total of four new contracts to sign - which I never signed.

  Then the grand slam, they had Clover send three boxes of credit card equipment and and invoice for $660 per month to lease said equipment.  This invoice was attached in the previous statement.  As I said to *****, why would I lease equipment for $660 per month when I currently own my equipment?

  This is classic bait and switch.  I thought I was dealing with Evrrgreen Payment Solutions, but I actually was dealing with *********************  ***** had me sign a contract with Evergreen, and then turned me over to *********.  One of the selling points in the beginning was that Evergreen cut out the middle man, therefore their rates are less expensive.  Laughable!

  The above practice is deceptive, devious and downright dishonest.  I thought because ***** was a local guy, I was dealing with someone above board.  That is the farthest thing possible from the truth.

  Look at other BBb reviews, ****** reviews, ******** reviews for Evergreen Financial - this is their normal - this is how they operate.

   

   

  Customer response

  05/07/2024

  As can be seen by the above documentation, after signing the original contract, I received an email from *********************** requesting 3 months of bank statements and credit card statements.  He emailed twice a day everyday, asking for the same thing.  I asked him, Why?  He never answered, he just kept sending the same emails.  He also called twice a day everyday.

  i emailed ************************* - the original sales person whom I signed the contract with and  asked him if I was turned over to another credit card company ot what happened, why am I being asked for more information. You can see the documentation above.
  

  I have attached the new contract above.  They sent me a total of four new contracts to sign - which I never signed.

  Then the grand slam, they had Clover send three boxes of credit card equipment and and invoice for $660 per month to lease said equipment.  This invoice was attached in the previous statement.  As I said to *****, why would I lease equipment for $660 per month when I currently own my equipment?

  This is classic bait and switch.  I thought I was dealing with Evrrgreen Payment Solutions, but I actually was dealing with *********************  ***** had me sign a contract with Evergreen, and then turned me over to *********.  One of the selling points in the beginning was that Evergreen cut out the middle man, therefore their rates are less expensive.  Laughable!

  The above practice is deceptive, devious and downright dishonest.  I thought because ***** was a local guy, I was dealing with someone above board.  That is the farthest thing possible from the truth.

  Look at other BBb reviews, ****** reviews, ******** reviews for Evergreen Financial - this is their normal - this is how they operate.

   

   

  Customer response

  05/07/2024

   
  Complaint: 21673199
  
  I am rejecting this response because:

  You can only upload 5 items - I have endless emails from ************************* (sales - Evergreen Payment Solutions), *************************** (merchant support - Riverside Payment Services), *********************** (AKA *************************** - Riverside Payment Solutions).

  I signed a contract with ************************* and Evergreen Payment Solutions.  The interest rate was 2.25 % and the equipment was FREE.  He said the equipment would be shipped and them onboarding would call and make an appointment to set us up and processing.  The very next day, I started receiving texts, emails and phone calls from *********************** requesting 3 months of bank statements and 3 months of credit card statements,  I was perplexed, I told him I had already signed a contract and would not be sending more information.  As you can see in an attached email, I asked ***** what was going on.  I asked him why after signing a contract I needed to provide more information.  I asked him specifically if I had been transferred to another company or what was going on.  
  

  It is obvious when looking through the emails that I was no longer dealing with Evergreen Payment Solutions, but Riverside Payment Services instead - that is why they needed more information.

  In all the multiple emails that **** and **** sent me, i received four different  applications to apply for a merchant account. I attached one of these applications.  The rate had now gone up to 4.25% and I did not even open the new contract for equipment they sent.

  Is this bait and switch, what is going on here?  I honestly have never been through such a bizarre, dishonest, deceptive interaction in my life.  I thought I was working with Evergreen Payment Services, signed a contract with them, then they turn me over to ********* Payment Services, but I have to send more information, reapply, and be thankful they are saving, me money by cutting out the middle man.

  I have been dealing with this for four months.  **** calls so much that everyone at work jokes with me and says my stalker is on the phone.  I think they got frustrated that I would not play ball by their absurd rules, so they sent the equipment contract into Clover.  Clover sent me 3 boxes of equipment which comes with a lease payment of $660.00 per month.  First of all, I do not need more than one piece of equipment as we process everything through the front desk.  They sent a minimum of 3 pieces of equipment.  I did not open all the boxes as the equipment is being returned, so there could be more than 3.  I also currently own my equipment, so why would I agree to a lease payment of $660 per month through Clover?

  Since this has happened, I have gone on ************************ Reviews, Better Business Bureau, and done research on Evergreen.  This is normal business practice for them.  
  

  I realize that the BBB cannot solely police these unethical, dishonest, deceptive credit card processing companies, but something has to be done.  I have no doubt I will get this taken care of, but the money, time, and energy it takes to file complaints, contact lawyers, and write these explanations is time I will never get back.

  It is funny that in the response from Evergreen they said they would be contacting me.  I sat on the phone for over an hour yesterday, I wanted to speak to the Founder *******************.  I waited patiently, kept getting transferred around, explaining my story.  The supervisor, ***************************, finally told me that she was the highest person on the hierarchy chain that I could speak to, and she could do absolutely nothing for me.  She told me  I needed to understand that they are like Amazon, ******************* would never speak to a customer on the phone, he is obviously way too important for that.  

  I wholeheartedly reject their response.  They know what they need to do to make this right.  I obviously am not going to go away quietly.

  
  

  
  Sincerely,
  
  *************************

• Initial Complaint

  03/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The company's representative gave us misleading information about the company's application, their product and services. We requested in several instances for an initial application to be canceled. We NEVER agreed to leasing any equipment or to any agreements where cancellation fees were part of the transaction. If you are being approached by Riverside Payments, **** Check with a business consultant or attorney first. We were not given the truth of what they were trying to sell us.

  Business response

  03/28/2024

  This account was signed by **********************, can you move this over to their record please?

  Business response

  04/03/2024

  Hello ******, 
  
  Thank you for taking the time to reach out to Evergreen Payment Solutions!
  When contacting you to install your new equipment, you confirmed you did not want to move forward with our company. There may be confusion on your agreement, we are not with CardPointe as you stated on the call on 3.21.24. To address your concerns about there being a term to this agreement - Even though there is a term to the agreement in place,  it is built to save you money against your current provider as well as provide you with exceptional merchant services. We would love the opportunity to walk you through the program so you can understand its benefit. Our management team attempted to reach out to you as recently as yesterday afternoon. Please give our team a call directly so we may further assist you! 
  
  Thank you, 
  Evergreen Payment Solutions

• Initial Complaint

  02/13/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Equipment was deliverd incorrectly at first so no intallation was done, when new was sent we had ****** been being charged for service that hadn't started yet. I then Asked for refund before we continued, no responce, I geve a dead line for responce and it did not happen, so we canceled. We are still getting payments taken even though we canceled on 1/11 in an email. now they tell me there is more to be done to cancel and someone will be calling back. No call yet. Also some of the payments being taken are for leased equipment, which was never authorized.

  Customer response

  02/14/2024

  Just Spoke with *****, was helpful but did say the agreement had been processed and there may be an early termination fee. We do not agree because the service part of the agrement was never met, despite being given 2 months to find a solution to our situation.

  Customer response

  02/23/2024

  Spoke with ***, she was insistant that after 2 months delay that they still send us the right equipment and get us up and processing if we want the refund. We told them that trust had been lost in the setup process and that we needed faster responce thatn we were getting, so we had moved on with another company, and a refund of the charges that had been taken prematurly was all we needed.

  Business response

  03/01/2024

  Hello,

  We would be more than happy to assist with any refunds that *** be needed. Please contact our support line at ************ and have all proper documentation ready to submit. We look forward to speaking with you!

  Customer response

  03/01/2024

   
  Complaint: 21287259
  
  I am rejecting this response because:  we were on hold for 11 mins and 26 seconds and left a message reiterating earlier calls with ****, ***************************, and **** that we need to be refunded and to cancel our service because 2 months of waiting on a responce for refund is unacceptable for us to wait on a solution. This all started because we were being charged before they had gotten us an acceptable POS system. We have lost trust in them as a business.
  
  Sincerely,
  
  ***********************

  Customer response

  03/22/2024

  We need to send back the equipment and be done, because we are not happy with the level of service being provided. Also there is some dishonesty happening here. We asked for POS software to be working before processing began and that did not happen, we were being charged for services before POS software was installed and working. Also the note that was said to have been put on the contact about NO PERSONAL GUARANTEES was either missed or disregarded, we are an Incorporated business which affords its owners protections, so we do not voluntarily sign away those rights. Please provide us an address to send back all equipment to and we can end this and go our separate ways.
  
  
  Thanks
  
  
  ***********

  This was also emailed to: *************************************************,
  ************************* <***************************************>,
  "*********************************" <*********************************>,
  "*****************************" <*****************************>,
  ****************************************,
  "Oti, Precious" <*******************************************>

  On Mar 22, 2024, 8:55?AM

  Business response

  04/03/2024

  Good Morning,
  
  Thank you for reaching out to Evergreen Payment Solutions! The equipment delivered on 11/27/2023 was the equipment your business requested at the time of signing your location with Evergreen. With the current billing system in place, once your merchant account has been activated there is a cost to the service. Since receiving the equipment, our management team has worked with your business diligently to ensure that the system meets your needs. We also completed a demo on an alternate POS system through Korona POS to see if this suited your location better. Evergreen is able to provide you with the savings offered to your business and we have provided you with the equipment necessary to successfully run payments.

  Your request to cancel came before giving us the opportunity to provide the savings as outlined in your quote that you signed (attached) or allowing us to provide alternative solutions that may better suit what your business requires. We are happy to reimburse any charges you have received before installation of the equipment if you decided you would like to move forward. If you wish to terminate your services, you are responsible for the agreement in place. We would like to note that if you proceed with the agreement, we have the option to remove the personal guarantee off the paperwork per your request. 
  
  We value and appreciate your business, please give our team a call directly so we may discuss this further. 

  
  Sincerely, 
  Evergreen Payment Solutions

  Customer response

  04/03/2024

   
  Complaint: 21287259
  
  I am rejecting this response because: The agreement was signed with the stipulation that the Point of sale software was completed before any credit card processing was changed or charged to us. This was discusssed in lenght on the phone and with the on site rep ******* the same was done with the personal guarantee. This agreement was null and void when you began charging us before software was completely set up, however we gave you an opertunity to return the charges and wait until we completed the setup phase, but we got no responce about it after a month of asking, This is where we said enough is enough and requested that the agrement be ended. My proposal is to end the agreement in full and I will return the never used equipment and go our seperate ways.
  
  Sincerely,
  
  **********************************

  Business response

  04/10/2024

  Good Afternoon, 

  Evergreen Payment Solutions would like the opportunity to review this agreement with you over the phone as soon as you have time available to clarify any questions you have! Both the merchant agreement and the equipment package are built within the agreement and have an automatic billing system in place. To enable and/or program any software for your location, there first has to be a merchant account in place for the correct parameters to be built.

  We have reviewed your documents at length and there is no promise to disable billing before your install takes place; the system will not allow it. 
  At Evergreen Payment Solutions, we are more than happy to reimburse you for charges received if you are in agreement to move forward and schedule the install. If you seek to cancel the agreement, you will remain responsible for the penalties in place.

  Please give us a call directly to discuss this further, 
  Evergreen Payment Solutions

  Customer response

  04/10/2024

   
  Complaint: 21287259
  
  I am rejecting this response because: This has taken far too long for what we needed done. We had asked for *** Software to be installed before any processing changes and charges had happened and also we needed the *** Software solution to be in place before the end of the year. None of these requests were honored so we are not responsible for our part of the contract and we wish to end the relationship, and we are not responsible for any of the contract since Evergreen/Riverside Payments had ****** breached it before we cancelled. A misrepresentation claim has already been filed with the leasing company and you may also want to check your phone recordings and with the represenative who was at our business to confirm that we were very explicit about the stipulations stated above and in the Misrepresentaion Claim.
  
  Sincerely,
  
  **********************************

  Customer response

  04/19/2024

  There is a Misrepresentation Dispute on the contract in process. Please note this wilth the Answered complaint. The submitted complaint is attached.

• Initial Complaint

  01/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  Evergreen Payment Solutions is the company that solicited me to use them for credit card processing. After signing up with them, everything seemed to go through a separate business called ********* Payment Solutions and MX Merchant?Riverside Payment Solutions started handling credit card processing for my business. I was assured multiple times by everyone that I had contact with while signing up, that there are no extra or hidden fees. After only about a month, they started deducting sums of $189 from my account on a weekly basis. When I called to inquire about the charges they were rude and condescending in manner. I was told it was for PCI-non compliance. Becoming PCI compliant was utterly impossible using their system and was eating up hours upon hours of my time trying to figure out. Some of those charges were refunded, but then there were other random deductions that started coming out. When I called about those they attributed them to annual service fees and whatnot. At this point I told them I wanted to cancel their services. They informed me to send the rented equipment back ( a clover card reader). I sent the equipment back immediately. However, the pci non-compliance charges were continually racking up and being deducted from my account. At this point, I was becoming infuriated. How could I become PCI compliant when I didn't even use their equipment and had changed to a different credit card processing company? Their customer service is impossible to get a hold of and when I do get through, they blow off my questions and concerns and continually just tell me that I need to become PCI compliant. After looking further into the matter, it seems that this has happened to hundreds of other small businesses. I want my money refunded and then I would like to never hear from this company again.

• Initial Complaint

  11/21/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have been being overcharged for services by riverside. I've tried several times to negotiate with them. They have reimbursed some money, but refuse to let me out of a fraudulent contract. They offered a guarantee of savings when I first signed up, and I have not saved money one month. I have disconnected their equipment and stated a couple ******** codes that will release me from the equipment lease, but they refuse to listen. I was verbally guaranteed by ******** that i would save money very month, and I was also verbally guaranteed by **** that I would be allowed out of the contract if I still did not see savings as of this month. Even with all their reimbursements, I am still being charged over 3% every month when their guarantee of savings states I will be under 1.7%

  Business response

  11/27/2023

  Hello,

  
  We apologize about the inconvenience it seems you may have run into. We do want to notate your account is with ******************************************, not Riverside Payments. We do want to also clarify that they would be the ones to assist you with these matters as well as advise you in these situations. We have passed along your contact information and have reached out on your behalf for them to get ahold of you.
  If we can assist you further, let us know, otherwise we Hope you and Evergreen can solve this together.
  
  Best,
  Riverside Payments

  Customer response

  11/27/2023

   
  Complaint: 20901026
  
  I am rejecting this response because: 

  Evergreen payment systems solicited me into signing a contract with riverside payments. I want the recoding on October 12th between myself and ******************* at Riverside stating that if I did not save money on my next statement, she would let me out of my contract with Riverside and my lease agreement with Cascade. I was given a guarantee of savings at 1.7% which includes the $215 lease payment. I have never been charged less than 3%. This is a breach of contract.  

  **** refused to honor her word when I emailed to take her up on what she said. In addition, she had another employee contact me. I asked for a copy of my statements. She proceeded to send me a copy of another company's statement. This alone is grounds for a lawsuit. 

  I just want out of this contract and relationship. Evergreen cannot help me. ************************* at Evergreen is not returning my emails. 
  
  Sincerely,
  
  *********************

  Business response

  03/05/2024

  *****,
  
  We apologize your experience was challenging. Though we did attempt to assist, your account has been closed. Additionally, as of 1/18/24, we did satisfy the requests for your account termination and the request of this review to be removed. 
  
  If we can be of any further assistance, please let us know.

  Best Regards,

  Evergreen Payment Solutions

  
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩