Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:08/22/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***************** is calling and sending bills that I am already paying back with the credit union. A *** from pavilion Payments checks says I owe them $650.

  

  Business Response

  Date: 08/22/2024

  *******************************
  **************************
  Inkster, MI. 48141
  
  BBB CASE NUMBER: 2217594
  
  Our Account Number: ******* - **********   -VIP Preferred Number: XXXXXX3192
  
  Dear *******************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 07.04.2024, the patron of record conducted several transactions through our VIP Preferred Check Cashing Program through MICHIGAN LOTTERY, our client. During this time frame, a total of 13 transactions were processed each for $25.00 and guaranteed by our organization.
  
  Subsequently, our organization funded our client MICHIGAN LOTTERY and debited the patrons designated bank account (CHIEF PONTIAC FCU) on file the next business day per our terms and conditions.  On 07.10.2024,all 13 guaranteed transactions were returned by the patron of records bank as INSUFFICIENT FUNDS.  In addition, per terms and services, each returned transaction was assessed a $25.00 service fee per our terms and conditions.
  
  For your review, we have included the patron of records enrollment and the transactions that were guaranteed by our organization and returned by the patrons bank for your review.
  
  On 08.14.2024, we spoke with the patron, and they did not dispute any of the transactions at that time but explained that they may not be able to rectify the outstanding balance at this time.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that in interim, we have ceased all recovery efforts and placed the claims in our dispute queue to allow for the patron to further research and review with their banking establishment.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.                

  Customer Answer

  Date: 08/22/2024

   
  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

  Date:08/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The Pennsylvania lottery tried to debit the incorrect bank account for $100 instead of my established and verified bank account. When my bank refused, *********, who I had never heard of, but appears to be a liquidity providing middle man appears to have provided the $100 and began to contact me daily regarding paying my "debt". It took me about a week to understand that they were likely not scammers and what may have happened. It is still speculation on my parts as none of the other parties seem to be transparent or good at communicating the situation. Regardless, the PA lottery has frozen my account (at the behest of Pavillion?) until I can "verify" a non existent erroneous account number, while ********* attempts to contact me daily and now has added a random $50 service fee on the alleged debt.I have told the PA lottery and Pavillion representives each three times that I have no such account.I wager conservatively $1500/month,but both ********* and the PA lottery are willing to lose me as a customer over their error.If there was an honest mistake, the money is in my frozen PA lottery account and can easily be sent back to *********, but given the level of competence and customer service that I have seen to date from both parties, there is no way I am paying Pavillion the alleged debt and trusting that the PA lottery will release my money to make me whole.

  

  Business Response

  Date: 08/09/2024

  *****************************
  ******************
  ************************************
  
  BBB CASE NUMBER: 22100574
  
  Our Account Number: ******: *** Preferred Number: **********
  
  Dear *****************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated checking banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit. 
  
  On 07.08.2024 the patron of record enrolled into our *** Preferred Check Cashing Program.  
  During the online enrollment process the following information was captured within our host system:
  
  Name:             *****************************
  Address:          *********************************************************
  Phone:             ***-***-2573
  E-Mail:             ************************
  Bank Name:     THE JUNIATA VALLEY BANK
  Bank Routing Number: *********
  Bank Account Number: ********88
  
  On 7.15.2024, there were two withdrawals /disbursement processed by the patron of record for $173.35 and $162.00. These withdrawals / disbursements were processed by our organization and submitted to the patron of record bank on file THE JUNIATA VALLEY BANK associated to the bank account on file ending in ********88. In addition, there was another withdrawal /disbursement processed for $600.00 for the patron of record associated to the bank account on file ending in ********88. To date, our organization has not received any returned transactions as a result of the disbursements that were processed to the patron of records bank ending in ********88.
  
  On 07.23.2024, there was one deposit transaction for $100.00 processed and guaranteed by our organization for our client PA iLottery and the patron of record *** Preferred account was funded for the $100.00.  Subsequently,our organization funded our client PA iLottery and debited the designated bank account on file ending in ********88 the next business day per our terms and conditions.
  
  On 07.29.2024, the guaranteed deposit transaction for $100.00 which was funded by our organization was returned to our organization as INVALID ACCOUNT NUMBER by the patron of records bank THE JUNIATA VALLEY BANK. Per our terms and service our organization assessed a return fee of $50.00 for the return transaction.
  
  As a result of the return deposit transaction that our organization guaranteed, we temporarily suspended the *** preferred account on file. In lieu of the specific return reason, our organization deactivated the bank account that was on file ending ********88. On 07.31.2024, The patron of record spoke to one of our recovery representatives and the patron of record explained that they have no account number ending in ********88 with THE JUNIATA VALLEY BANK.
  
  To date, we have contacted our client, and they have advised that the patron of record has requested a withdrawal request in the amount of $153.40. If the account ending in ********88 which was previously utilized for withdrawals is the correct account, our client has requested that the patron provide them with a bank statement to ensure it is in the patrons name before they are able to process the withdrawal with that account number. In the event, the correct bank account is the account ending in********88, the patron must contact our organization to assist with this request.
  
  If the account ending in ********88 is not the correct account and is no longer needed,then the patron may choose to update their banking information online.  Once the banking information is updated, the client will notate their records that the account ending ********88 is no longer needed, and they may need a bank statement with the current banking information before the withdrawal is processed.
  
  Our organization has assigned a dedicated manager to assist the patron. Their contact information is below:
  
  Name: ***************************, Senior Manager, Customer Service
  Direct Phone Number: ************
  E- Mail: *********************************************************
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that in the interim, we have ceased all recovery efforts and have waived the $50.00 service fee that was assessed and placed the claim in our dispute queue to allow for the patron to further research and review with their banking establishment. In addition, we have attached the transaction our organization guaranteed, our terms of service, and the enrollment information captured within our operating system. 
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  ************************; 

• Initial Complaint

  Date:08/01/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently received a phone call from ********************************** Collector with Pavilion Payments ********************************************** phone # **********************; fax# **************). She said I made 3 withdrawals on 7/8/24 using my VIP Preferred check cashing card (VIP number 1906) at ****************** in **********, ** and all three checks had been returned from ***************** ***** Bank. ******************* stated the checks had been cashed because I was a VIP card holder. Obviously, no photo identification was requested by Pavilion Payments. I informed her I have never been to ****************** and denied being responsible for any of the returned checks. She then emailed me photos of each transaction. The same woman was in all 3 photos and is not me. The ********** account is one that I had, it was closed in 2021. I emailed ******************* and informed her the photos are not me and I again denied any responsibility in owing the debts. I have also received written demands from Pavilion Payments. I am requesting assistance from the BBB to resolve this issue.

  

  Business Response

  Date: 08/04/2024

  ***************************
  *******************
  ***********, **. 70452
  
  BBB CASE NUMBER: 22072710
  
  Our Account Number: ******* - **   -VIP Preferred Number: 7773931906
  
  Dear ***************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 07.08.2024, the patron of record conducted several transactions through our VIP Preferred Check Cashing Program through ******************. The following transaction were processed and guaranteed by our organization:
  
  $600.00
  $1,000.00
  $1,00.00
  
  
  Subsequently, our organization funded our client MYSTIC LAKE CASINO and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.12.2024, these transactions were returned by the patron of records bank as NO ACCT/UNABLE TO LOCATE.  In addition, per terms and services, each returned transaction was assessed a $30.00 service fee per our terms and conditions.
  
  On 7.23.2024, we spoke with the patron of record and placed all the accounts in a fraud queue.  Per our standard operating procedures. In addition, we have ceased all recovery efforts and placed the patrons phone number in a do not contact status.
  
  Please be assured as our organization has written off the all the associated accounts as fraud.  At this time, the patron of record has been disassociated from any financial obligation to our organization and we have closed the patrons VIP Preferred account.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.          

• Initial Complaint

  Date:07/31/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was fraudulently charged through Betmgm for $3500. The amounts charged were repeated amounts of $500 and $1000 dollar increments. My email was hacked into as well as all of my phone records through ***** Ive closed all accounts and had to restart fresh. My bank has accounted for fraud and I have responsible gaming limits set through Betmgm that doesnt allow for that much to be deposited. Id like ********************************************* to recognize the fraud and collection attempts.

  

  Business Response

  Date: 07/31/2024

  *************************
  **************
  ********, **. 08005
  
  BBB CASE NUMBER: 22072710
  
  Our Account Number: EUSS6   08 - EUSS6  12   -VIP Preferred Number: 7777575445
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 11.16.2020 the patron of record enrolled into our VIP Preferred Check Cashing Program with TROPICANACASINO.COM. The following information was captured during the enrollment process:
  
  Name:     SHAINA EUSTON  
  Address: ************************************************** 08005
  E-mail:    ********************* 
  Phone:    ***.***.3379
  Bank:       OCEANFIRST BANK
  
  
  On 07.18.2024, there were several transactions processed and guaranteed by our organization for our client BORGATA. There was a total of 5 transactions:
  $500.00
  $500.00
  $500.00
  $1000.00
  $1000.00
  
  Subsequently, our organization funded our client BORGATA and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.24.2024, these transactions were returned by the patron of records bank as ACCOUNT FROZEN.  In addition, per terms and services, each returned transaction was assessed a $35.00 service fee per our terms and conditions.
  
  On 07.26.2024, our organization mailed the patron of record a verification letter and all the transactions that were guaranteed by our organization.  On 07.31.24, our representative spoke to the patron of record and explained that these transactions were not authorized. Our representative dispositioned all the accounts as such, and they were placed in a fraud queue.  On 07.31.2024, a representative within our fraud department e-mailed the patron of record an affidavit of forgery form to be completed by the patron of record as we wait for the patron to submit this form back to our organization to finalize these transactions and disposition them as fraud. Please be assured, we have ceased our recovery efforts during this time frame.
  
  In the interim, if the patron has any further inquiries, they may contact our fraud specialist who will assist the patron with any further inquiries.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.       

  Customer Answer

  Date: 08/01/2024

   
  Complaint: 22072710
  
  I am rejecting this response because:

  My bank is stating that the charges are coming through BetMGM not Borgata. I have no account with ******* therefore wouldnt be able to make deposits if I tried. I feel an affidavit is time consuming in this matter and unnecessary. 
  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/02/2024

  *************************
  **************
  ********, **. 08005
  
  BBB CASE NUMBER: 22072710
  
  Our Account Number: EUSS6   08 - EUSS6  12   -VIP Preferred Number: 7777575445
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  Please be assured as of 08.02.2024, our organization has written off the all the associated accounts as fraud.  At this time, the patron of record has been disassociated from any financial obligation to our organization.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.          

  Customer Answer

  Date: 08/02/2024

   
  Better Business Bureau: thank you for your cooperation during this difficult time. I appreciate my account status being closed and owing no money due to fraud. I am pleased with the service thank you.
  
  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

  Date:07/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 7/16/2024 I attempted to make a $10 deposit via the PA Lottery app with a new credit card. The transaction failed multiple times before I received a message confirming the transaction's success. On 7/18/2024, however, a former bank account associated with my PA Lottery account (holding a balance of $0) was instead wrongfully charged $10 by Pavillion Payments. PA Lottery customer service verified that my transaction attempts were indeed made with the aforementioned credit card, however the charge was applied to the former bank account regardless. On 7/19/2024, the $10 was rightfully returned to my former bank account. On 7/23/2024, a $50 fee and another $10 was wrongfully charged to my former bank account. On 7/23/2024, Pavillion Payments' collections representative ***** claimed he "could not see" any charges and that I should "call back in a few days." On 7/24/2024, the $50 fee and the $10 was rightfully returned to my former bank account. On 7/26/2024, the $50 fee and the $10 was wrongfully charged to my former bank account. On 7/26/2024 Pavillion Payments' collections representative ***** again claimed he "could not see" any charges, before backtracking and transferring me a manager's voicemail box, despite me explicitly offering to resolve the $10 owed (via correct payment method).

  

  Business Response

  Date: 07/29/2024

  *************************
  *****************************************
  **************** 19054
  
  BBB CASE NUMBER: 22049142
  
  Our Account Number: ****** -VIP Preferred Number: **********
  
  Dear ***********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (***) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct *** transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 07.16.2024, there was one transaction processed and guaranteed by our organization for our client  PA iLottery. Subsequently, our organization funded our client PA iLottery and debited the patrons designated bank account ***** OF AMERICA) on file the next business day per our terms and conditions.  On 07.22.2024, the transaction for $10.00 was returned by the patron of records bank as INSUFFICIENT FUNDS.  In addition, per terms and services, each returned transaction was assessed a $50.00 service fee per our terms and conditions. On 07.17.2024, our organization represented the transaction for $10.00 and the service fee for $50.00 to the patron of records bank account per our terms and conditions. To date, these transactions have not been returned to our organization.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that our organization guaranteed the *** transaction for our client and funded the patron of record.If the patron of record disputes the transactions that were represented to their bank, we shall treat this as a dispute per our standard operating procedures. In addition, our VIP preferred program is not utilized to process credit card transactions.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.       

  Customer Answer

  Date: 07/30/2024

   
  Complaint: 22049142
  
  I am rejecting this response because:

  The Pennsylvania Lottery confirmed in writing that my attempted payments were initiated via credit card, NOT Pavillions VIP Preferred Check Cashing Program. 

  You attempted deposits on July 16, 2024, with a card ending in 7147.

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

  

  Business Response

  Date: 07/31/2024

  *************************
  *****************************************
  **************** 19054
  
  BBB CASE NUMBER: 22049142
  
  Our Account Number: ****** -*** Preferred Number: **********
  
  Dear ***********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit. 
  
  As of 07.31.2024, we are in receipt of the transaction that was returned by your bank. As such, we have closed the claim as a dispute.  In addition, we have attached a copy of the transaction that was guaranteed through our *** Preferred Program. Please be assured all our recovery efforts have ceased in this matter and in addition, we have closed the *** Preferred account.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.       

• Initial Complaint

  Date:07/20/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Pavilion Payments Check Services, LLC. My account is not closed and I did not attempt to make a transaction to STARDUST.

  

  Business Response

  Date: 07/22/2024

  *********************
  4205 *************
  *********, *** 18017
  
  BBB CASE NUMBER: 22018461
  
  Our Account Number: ********** -VIP Preferred Number: 7778777906
  
  Dear *********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 03.06.2023 the patron of record enrolled into our VIP Preferred Check Cashing Program with GREENWOOD GAMING AND ENT.
  
  On 07.01.2024, there was a transaction processed for $10.00 through our client Stardust and guaranteed by our organization for our client. Subsequently, our organization funded our client Stardust and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.05.2024, the initial transaction was returned by the patron of records bank as account closed.  In addition, per terms and services, each returned transaction was assessed a $50.00 service fee per our terms and conditions.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we ceased all recovery efforts and have dispositioned the account as fraud. In addition, we have disassociated the patron of any financial responsibility and have not reported this information to the three main credit reporting agencies.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.       

  Customer Answer

  Date: 07/23/2024

   
  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

  Date:07/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 03 July 2024, letters were sent to me regarding a check that was due that was not authorized by me. On 12 July 2024, I received the letters and responding both via BBB compliant because this is unbelievable plus formal **** Priority Mail. There was unauthorized activity on my account and checking account (see formal letter from M&T bank) which closed my account due to unauthorized activity. This is fraud and needs to be labeled as such. This is not my debt.Transaction including:$1,300 $1,300 $1,400 $286 Attached is a Debt validation letter, the letter from M&T Bank that shows that it was unauthorized and a bank letter stating the account is closed. Please cease and desist al communication as the pending investigation is closed by the bank and please contact M&T Fraud Protection if any other issues.

  

  Business Response

  Date: 07/15/2024

  *************************
  ******************
  *******, *** 19355
  
  BBB CASE NUMBER: 21982170
  
  Our Account Number: ******* - ** -*** Preferred Number: 7778657887
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit. 
  
  On 01.06.2023 the patron of record enrolled into our *** Preferred Check Cashing Program with DRAFTKINGS.  The following information was captured during the enrollment process:
  
  Name:     *************************
  Address: ******************************************************************
  E-mail: ********************************************
  Phone:    ***.***.2799
  Bank: PNC BANK,NATIONAL ASSOCIAT and MANUFACTURERS AND TRADERS
  
  For your review, we have attached included the *** enrollment and the transactions that were guaranteed by our organization.
  
  On 06.24.2024, there were several transactions processed and guaranteed by our organization for our client PARX ONLINE CASINO. Subsequently, our organization funded our client PARX ONLINE CASINO and debited the patrons designated bank account on file the next business day per our terms and conditions.  On 07.02.2024, these transactions were returned by the patron of records bank as INSUFFICIENT FUNDS.  In addition, per terms and services, each returned transaction was assessed a $50.00 service fee per our terms and conditions. We have included the transactions in the 1st attachment that were guaranteed by our organization and were returned for INSUFFICIENT FUNDS by the patron of records banking establishment.
  
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we ceased all recovery efforts and have dispositioned the account as fraud. In addition, we have disassociated the patron of any financial responsibility and have not reported this information to the three main credit reporting agencies.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.       

  Customer Answer

  Date: 07/15/2024

   
  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.  Although the letter is addressed to *************************** and that needs to be changed.   I would like to ensure no more communication on this subject and it is closed. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:06/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a collection notice from Pavillion Payments stating I charged $50 to a debit card on a gaming site. The card charged is to a bank with which I have zero accounts. I have not opened an account with the bank listed, and I have confirmed with the bank that nobody has opened an account in my name, and there is no such debit card in existence. This looks like a scam to get a $50 declined charge plus a $30 processing fee. If the card doesnt exist and the bank account doesnt exist, how can I be financially responsible for charges to non existent accounts?

  

  Business Response

  Date: 07/01/2024

  *************************
  ******************************
  **********, **. 35242
  
  BBB CASE NUMBER: 21910727
  
  Our Account Number: **********: VIP Preferred Number: 7779080120
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 12.09.2023 the patron of record enrolled into our VIP Preferred Check Cashing Program with Borgata. On 05.30.2024, there was a transaction processed for $50.00 through BETWAY - LA and guaranteed by our organization. Subsequently, our organization funded our client BETWAY - LA and debited the patrons designated bank account (ENT FCU) on file the next business day per our terms and conditions.
  
  The guaranteed transaction was returned to our organization on 06.04.2024 as NO ACCT/UNABLE TO LOCATE.  In addition, per our terms and services each return was assessed a service fee of $30.00.
  
  On 06.11.2024, our organization spoke with ************************* and dispositioned the account as fraud per the consumers request and ceased recovery efforts.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we closed this account and have dispositioned the debtor record as fraud as there is no financial responsibility associated with *************************.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.
  

• Initial Complaint

  Date:06/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am told that on 5/30/2024 at 11:50:41 I paid $50.00 to Draftkings. And It was apparently denied by my bank which would make sense if someone had tried to use my money on that site because I have never used and will never use their services. Now Pavilion Payments Check Services wants me to pay $50. I dont have any record of this transaction on either of my visas or my master card. I would like to stop being threatened over something I didnt do or because someone tried to scam me. Regards,*************************

  

  Business Response

  Date: 06/13/2024

  *************************
  **************
  **********, *** 20181
  
  BBB CASE NUMBER: 21841713
  
  Our Account Number: ******** -VIP Preferred Number: **********
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 05.30.2024 the patron of record enrolled into our VIP Preferred Check Cashing Program with DRAFTKINGS.  The following information was captured during the enrollment process:
  
  Name:     NICOLAS *****
  Address: ************************************************************
  E-mail:    **********************
  Phone:    ***.***.4760
  Bank: INVESTORS SAVINGS BANK
  
  On 05.30.2024, there was one transaction processed for $50.00 through DRAFTKINGS and guaranteed by our organization. Subsequently, our organization funded our client DRAFTKINGS and debited the patrons designated bank account on file the next business day per our terms and conditions.
  
  The guaranteed transaction was returned to our organization on 11.22.203 as CORP CUST NOT AUTHORIZED.  
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we ceased all recovery efforts and have dispositioned the account as fraud. In addition, we have disassociated the patron of any financial responsibility.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.
  
  

  Customer Answer

  Date: 06/14/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and think this resolution is ok. Maybe next time they should try a little harder to see if it seems like a scam or not. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:05/07/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was at ********************* on April 29, 2024 and went to ******* and asked what my balance was. The teller informed me it was $900 so I withdrew $500. On Tuesday, April 30th I received an overdraft notice from our bank for $105. It stated 3 $500 withdrawals were made and ******** my account. Another $400 was withdrawn from my bank and a $300 withdrawal was made with my credit card. I never use my credit card to withdraw cash because of the fees.I do not have receipts for any of these withdrawals, which they give to you at the time. I would like a full refund of $2305, which includes the overdraft fee.

  

  Business Response

  Date: 05/09/2024

  5.9.2024
  Better Business Bureau ****
  Case Number:  21679578
  Consumer Name:  *************************
  Merchant ID number: **********
  
  Dear BBB Customer Relations Advocate,
  ******************************************* Gaming Services **** is a third-party payment processor.  We provide check and ACH guarantee services to Gaming merchants that accept physical and electronic checks (ACH) for services throughout the U.S.  We received your correspondence and have reviewed the facts within our operating system.
  
  From the date of 4/25/2024 to 4/28/2024, casino patron ************************* completed 5 transactions for a total of $1,200.00.  The transaction processed have been provided along with copies of the receipts with signatures for all transactions. 
  
  If the patron has any further inquiries, we have assigned a dedicated manager to assist further.  Their contact information is below:
  Name: ***************************
  Number: ************
  Email: *********************************************************
  
  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us.
  
  Sincerely,
  
  Pavilion Payments
  

  Customer Answer

  Date: 05/09/2024

   
  Complaint: 21679578
  
  I am rejecting this response because: these download documents are 4 documents for the same transactions.

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

  

  Business Response

  Date: 05/10/2024

  Better Business Bureau ****
  Case Number:  21679578
  Consumer Name: *************************
  Merchant ID number: **********
  
  Dear BBB Customer Relations Advocate,
  
  ******************************************* Gaming Services **** is a third-party payment processor.  We provide check and ACH guarantee services to Gaming merchants that accept physical and electronic checks (ACH) for services throughout the U.S.  We received your second correspondence on 05.09.2024 and have reviewed the facts within our operating system.
  
  During the date range of 4/25/2024 to 4/28/2024, casino patron ************************* completed 5 transactions for a total of $2,200.00. 
  
  In our previous communication, we provided a total of 5 transactional receipts which captured transactional type, date, time, and amount which also included a signature for each transaction.  We have included another attachment with all 5 separate transactions for your review. Below is a summary of the transactional information:
  Transaction Type         Date                     Time                Transaction amount        Merchant
  Credit card Advance     04.27.2024        3:33:57AM         $300.00                         Grand Casino Hinckley
  E-check                        04.26.2024         6:51PM             $500.00                         Grand Casino Hinckley
  E-check                        04.26.2024         11:09PM           $500.00                         Grand Casino Hinckley
  E-check                        04.27.2024         2:22AM             $400.00                         Grand Casino Hinckley
  E-check                        04.28.2024         1:20AM             $500.00                         Grand Casino Hinckley
  
  If the patron has any further inquiries, we have assigned a dedicated manager to assist further. 
  

  Their contact information is below:
  Name:  ***************************
  Number:************
  Email:  *********************************************************
  
  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us.
  
  Sincerely,
  Pavilion Payments

  Customer Answer

  Date: 05/20/2024

   
  Complaint: 21679578
  
  I am rejecting this response because:  I received your email regarding my case #**********. I responded that I do not accept Pavilion Payments response. If you look at the transactions they sent, they are all the same one. Therefore, I am entitled to a refund.

  I would like this case to remain open until I receive the proper documents. I did not receive any copies of my withdrawals.
  

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