Complaints

This profile includes complaints for First Data's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  First Data

  600 Vel R. Phillips Ave Milwaukee, WI 53203

• 

  First Data

  6201 Powers Ferry Rd Atlanta, GA 30339-2926

• 

  First Data Merchant Services

  5565 Glenridge Connector Ste 2000 Atlanta, GA 30342-4799

• 

  First Data Merchant Services

  464 The Gables Dr Mcdonough, GA 30253-1903

• 

  First Data

  5100 N Federal Hwy Ste 402 Ft Lauderdale, FL 33308-3847

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:11/20/2024

  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.

  On 10/18/24 my Money Network EDD card was stolen & used without my permission. I called MoneyNetwork with 20 minutes after realizing my debit card was stolen. They cancelled my ******** told the representative that someone stole ******** put in a claim for the unauthorized transactions. Unfortunately I received a letter stating that my claim was denied. I tried to call them but cant get a live person on the phone. I saw that there may be a class action lawsuit being drawn up as so many people have had similar experiences & issues. I purposefully left 3 days of payment on the debit card as EDD had overpaid me so that when they came asking for their money it would be there but now due to the unauthorized transactions it is gone & no one is willing to help me. Money Network told me to call EDD & in turn EDD told me to call Money Network. I have 2 police reports on this matter. One for the theft of my property & one for stolen identity. What is it going to take for this so-called legit company to resolve my issue? Im tired of getting the run around. Numerous times people have reported missing funds from their accounts & a tv news ********************** even did a piece on this incompetent and shady company. Their website is misleading as well. *********** times are 4 hours off & all out of order with **************** of transactions. Balances are off etc.I was sent a new card that I am unable to activate as well. I cant believe EDD could go from bad (BOFA) to worse! This company is ripping people off left & right & I cant wait to see them go down when the massive class action lawsuit comes out. This company is scamming people out of their money & pocketing it! I WANT THEM TO RECOGNIZE MY CARD WAS STOLEN & USED WITHOUT MY PERMISSION, PUT THE STOLEN FUNDS BACK INTO MY ACCOUNT & TO ACKNOWLEDGE MY POLICE REPORTS ASAP! THIS IS STRAIGHT UP POOR BUSINESS **************** THEY THEMSELVES ARE COMMITTING!!!! SHAME ON YOU MONEY-NETWORK!!!!

  Business Response

  Date: 12/09/2024

  Thank you for bringing your concerns involving your Money Network card to our attention. 
  
  Money Network previously denied your dispute for reasons set forth in Money Networks denial date 11/05/2024. Based on your appeal and the information provided, Money Network has reviewed this matter again. 
  
  Based on that review Money Network is affirming the denial for the following reasons: 
  -The card does not have declined transactions due to invalid PIN entry at the time of the disputed transactions. 
  -PIN was used in the disputed transactions. 
  -Card present transactions between the disputed transactions. 
  
  As such we continue to conclude that these transactions were made by you or with your authorization. If, however, you have additional information for consideration, you may provide that to Money Network. If you have additional questions, you may contact Money Network **************** directly at **************. 
  
  Thank you, 
  
  Fiserv 

  Customer Answer

  Date: 12/12/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does NOT resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  The day (10/18/2024) these unauthorized transactions were made my backpack was stolen out of my work vehicle. I had a notebook that happened to have the PIN number for the MoneyNetwork card written down since it was a new card. They found the pin number & proceeded to use my card. I called as soon as I found out my card was stolen. I have proof that I was at work & those transactions were NOT me. I have over 30 witnesses that will be more than willing to confirm I was physically with them at the time the unauthorized transactions were made & that this was NOT me who made these transactions AND that my backpack was stolen.  My work vehicle that day was a large 36 passenger bus that I transport people in for T.V. show. There is no way I could have driven this bus to these locations & used this card. Once I am at work I am not allowed to leave our shooting location which is noted on the police report. I sent the police report along with the detective's name & phone number that is currently working on my case. If MoneyNetwork wants to resolve this matter, CALL THE DETECTIVE who is working on my case. As I stated on the fraud claim form, I will take further action with my lawyer to resolve this issue if it is not handled in a timely matter.
  
  Regards,
  
  ******* ********

  Business Response

  Date: 12/20/2024

  Thank you for bringing your concerns involving your Money Network card to our attention.After further review of the information provided in the complaint, we have issued final credits in the total amount of $510.95 on December 19, 2024. 

  We trust that we have addressed all your concerns, but nevertheless, if you have any further questions, you will need to contact **************** at **************. 

  
  Thank you,
  Fiserv

  Customer Answer

  Date: 12/20/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Hello,

  There is still ANOTHER UNAUTHORIZED TRANSACTION that has not been dealt with which is for $143.32. This unauthorized transaction didn't appear in my online account until later & as I stated before my online account wasn't letting me in and by that time I had already sent in the dispute for the 3 unauthorized transactions that I could see online at that time. 

   Please note that this unauthorized transaction was on the same day (10/18/2024) as the other 3 unauthorized transactions. It was made at EXXON ****** ******* LOCATED AT ************************************************ *******************, **. *****. THIS UNAUTHORIZED TRANSACTION IS IN THE SAME GEOGRAPHICAL AREA AS THE OTHER UNAUTHORIZED TRANSACTIONS. This unauthorized transaction was NOT made by me. I did NOT use my card on the stated & above date.

    I'll be awaiting a response, thank you.

   Regards,

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

  Business Response

  Date: 01/10/2025

  Our records do not reflect a dispute claim created for the transaction that took place at Exxon.  You will need to contact **************** at ************** to request the necessary dispute forms and complete.

• Initial Complaint

  Date:11/18/2024

  Type:Sales and Advertising 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 am writing to formally complain about the unresolved issue regarding a refund of $133.50 that is owed to me by first data company.I closed my business in October ******* I had contacted customer service team to request this refund, I have called four times regarding this matter, and each time I was assured that I would receive a response within 24 to 48 hours. However, I have not received any follow-up or resolution to date.This delay is unacceptable and has caused unnecessary frustration. I need help please. Let me know if you need more information, thank you Here is last times case number #IP27859102 on Nov 11

  Business Response

  Date: 11/20/2024

  Ms. ****,

  Thank you for reaching out with the stated concerns. We apologize for any lack of follow up however in order to assist we would additional details. Your complaint does not provide us your company name, merchant number or business address. Please provide this information along with what you believe needs to be refund and why you believe you are owed this refund. 

  We would be happy to research for you to determine if a refund is owed when we can understand when is being requested and why 

  Thank You, Fiserv

• Initial Complaint

  Date:11/18/2024

  Type:Order 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.

  Signed up under false pretense. First they said that there would be "no processing fee", not that it would simply be passed onto our customers. Then they promised a $200 credit, lowering their fee down to $40/mo, and "absorbing" the Clover fee (3rd party providing the actual equipment and software). They had also made no mention that there would be a fee from Clover to begin with. Then it went from Clover basic $14+/mo to $59+/mo for the package that allows online ordering. They lied saying that they can do all the things I needed it to do (particularly having pre-selected modifiers to a sale item). Then they wanted me to switch to a Talech which costs $100 or something a month in order to have pre-selected modifiers. Before signing up, they had assured over the phone and in email that I can cancel at anytime. In the docusign they had errors which instead of correcting, they assured over the phone and in email that they will honor their word. I haven't even begun to use their service and had already paid out first the $98.90 to them for 1st month and a deposit and to Clover for $115.13 (which they had promised to "absorb").Please let me know if you need more info.

  Business Response

  Date: 12/04/2024

  Ms. **,

  Thank you for contacting us with the stated concerns.

  Per the phone conversation you had with an agent, we have closed processing account, waived the early termination fee, the lease agreement will be cancelled and a refund issued for the $115.00 you were charged for the clover service fees.

  Please do not hesitate to contact us should you have any further questions or concerns. 

  Thank You, Fiserv

• Initial Complaint

  Date:11/16/2024

  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 purchased a POS online service from Clover for my business. When I first set up the service with them I asked that the customer be charged the 3% fee for using credit/debit cards. A few days or a week later I contacted Clover back and requested that the 3% fee be charged to my business instead of the customers. A representative at ******************** explained to me that the changes would not take affect until October 1, 2024. Therefore all purchases that were made in September with my business "In Good Hands Freedom Medical" the 3% fee was included in the purchase price that was taken from the customers cards. The issue I have is that ******************** now says that I owe them $2,485.17 plus two collection fees of $150 that bring the total to $2,785.17. I am disputing that I owe this money being that all of the money from the purchases made which was a total of $74,563.16 was deposited into my business account minus the service fee charges totaling $2,485.17. Also, a purchase of $10,300 with the service fee of $412 totaling $10,712 was made and Clover chose to hold which was never deposited to my business account so a refund was requested. Eventually they processed the refund for the full amount of $10,712 which included their 3% service fee, but now they are staying that was money I had on reserve which is not correct. I have tried several times to explain to the **** at Clover that they had taken the fees totaling to $2,485.17 from each purchase that was made at my business. I have attached some of the documents that I have for proof. Can you please send me an email as to where I can submit banks statements and credit cards statements to prove my case. Your site will only allow me do upload items up to 5MB. I am a new business and just starting out and I do not need any negative comments, remarks or reviews attached to my business. Can you Please help me get this issue resolve quickly? Thank you, ******* ******* (In Good Hands Freedom Medical)

  Business Response

  Date: 11/20/2024

  Ms. *******,

  Thank you for reaching out with the stated concerns. 

  Your processing fees for the month of September 2024 came to a total of $2,484.42. We attempted to debit these fees from your bank account ending in 1555 on 10/02/2024 however it was returned to us by the bank as unpaid. A return of unpaid fees sent the account into collections in which there was a collection fee of $150 added to the balance due. The sale processed of $10,712 was held and sent to collections as there was a balance due. The fees due would be debited from the funds and the remainder, $8,077.58, released to you. When the refund/credit of $10,712 was issued back to the cardholder the merchant account went back into collections with a negative balance of $2,484.42 and added another collection fee of $150. 

  Fees billed are for the processing of the sale charged, as a processor we pay fees to the card brands for each sale. When a refund/credit is given to the cardholder the processing fees for the original sale are not refunded back to the merchant, you are still responsible to cover the fees as the sale was processed.

  Processing fees are billed monthly and are debited directly out of the bank account on file per the merchant agreement. The 3% surcharge you choose to add to the cardholder is paid to you and not taken by us as your processing fee. For example on 9/16/2024 a sale of $5,820 had a surcharge of $174, total to the cardholder was $5994, total transferred to your bank account was $5994. It appears you incorrectly believe the surcharge is kept by ****** for processing fees, that is not the case. As a courtesy, we have waived the two collection fees of $150. A remaining balance of $2484.42 is still due.  

  Please see your attached September and October statements. If you have questions regarding your fees, billing or the surcharge please contact customer service at ************.

   

  Thank You, Fiserv

• Initial Complaint

  Date:11/14/2024

  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 have tried to contact the Money Network Cardholder Services, located at ******************************************, to resolve the issue I have with them. The issue is this: I have a Middle-Class Tax refund card, ********** that was sent to me from the California government, in the total amount of $350. As soon as I activated my card to use it, it is compromised by someone. When I contacted the Money Network on April 25, 2024, to alert them, they disabled the card and told me they will send me the new card within three months period of time and gave me the case number is (CMS-2024-0326-0905-4273-30). However, as of today, they have not sent me anything. I have tried to contact them first through their website and tried so many times over the phone, but they kept giving me another number, which has no human being to answer the phone. Also send them a registered letter mail, but they did not want to take the mail. I do know why the Government send our money through them. So, I need help from BBB to resolve this issue for me please, thank you.

  Business Response

  Date: 11/22/2024

  Thank you for bringing your concerns involving your Money Network card to our attention.After review of the information provided in the complaint, our records indicate a dispute was filed on March 26, 2024 and we have previously issued final credits the total amount of $32.10 on April 02, 2024.If there are additional transactions that would need to be disputed please call the number listed below. 

  
  We trust that we have addressed all your concerns, but nevertheless, if you have any further questions, you will need to contact **************** at 1.800.240.022.

  
  Thank you,
  Fiserv

  Customer Answer

  Date: 11/23/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Mony Network did not address my issue, please read the attached fully and send my money in check $350.00. I never use my Debit Card, because they disabled it, and I requesting them to send me in full amount of $350 in check, since I do not trust their Debt Card. 

  After my Debit Card was compromised, they disabled it, and they never issued me a new card after they told me they will send it within three months period time. Actually,no one ever contacted me to resolve the issue, or they do not have any customer service agent to respond to a call, except an automated service. Thank you for your help.  
  
  Regards,
  
  Abrehite ***********

  Business Response

  Date: 12/02/2024

  There was a dispute opened for this account on 03/26/2024, which you already received credit for these on 04/02/2024. There are a few transactions that occurred on the account on 04/04/2024. If you are disputing the remainder of the balance on the account You will need to contact **************** and file a dispute for those. You can reach customer service at **************.

  Thank you, 

  Fiserv

  Customer Answer

  Date: 12/05/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  You need to read very carefully my complaint. First of all, there is no customer service agent available to help customers, and you never respond to my certified letter that I have attached to my complaint for a proof at BBB site. That is why I contacted you through Better Business Bureau for them to help me to resolve the issue. Thanks to BBB, at least I am able to get a response through them, although you did not resolve my request. Second of all, you closed my account in March of 2024, when I alerted you that my account is compromised, and also when the *** machine declined it when I tried to use it for the remaining balance of my money. So, in which account are you credited the dispute amount? To the closed account? It just does not make sense. You need to review my account very carefully and either issue me a new debt card with a full amount of $350 or send me a check of $350. I have never used the Debt Card since the government issued me.  My request through the Better Business Bureau is not only about the $32 that is compromised. But it is to ask you to give me the full amount of $350 in a new Debt Card, that was in my Debt Card before you closed without issued me a new one or send me a check of $350. I prefer a check since your card is not working at *** machine.       

  
  Regards,
  
  Abrehite ***********

  Business Response

  Date: 12/12/2024

  We had a Money Network representative leave a voicemail at the phone number in the above complaint to file a dispute for the transactions on the *** Money Network card. please call back at your convenience **************  so we may assist.

  Thank you,

  Fiserv

  Customer Answer

  Date: 12/20/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  December 20,2024

  On December 12, one of the representatives of Money Network agent, by the name of *****,called and left me a message to call her back with the number she provided. I called her on December 13 at 5:10 AM (PT) and spoke with her about my case. And she promised me that she will open the dispute and she will call me back on Monday on December 16, to give me the dispute # and to update me about my case. Also, she mentioned that the case might take up to 90 days to process before she will write me a check. However, as of today, December 20, 2024, she did not call me back.

  This case has been open since March 2024 (about 10 months ago) and I should not be waiting for another 3 months to be resolved. So, I am asking the Money Network with respect to check my account very carefully and ****** me a check with the full amount of $350 that the California government issued me (Middle Class Tax Refund). I have never used this Debt Card which it had $350, as you are very aware of it by now. So, I am expecting you that you will resolve this case at the end of this year or at the beginning of January 2025, thank you. 
  
  Regards,
  
  Abrehite ***********

  Business Response

  Date: 12/27/2024

  Our records reflect dispute claim CMS202412240750354470 has been opened. If you have additional questions or concerns, please call customer service at **************.
  
  Thank you,
  
  Fiserv

  Customer Answer

  Date: 01/10/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  On December 24, at around 12:35 PM, one of the Money Network representatives named by ***** called me and told me that she is going to open a new dispute claim and will send the confirmation letter by mail within 5 business days. As a result, she took my home address including my phone number. However, she did not send me any letter as of today. Also, she reviewed my Debt Account while I was over the phone with her, and she said that the card has only a $10 dollar credit balance. When I asked her, how come only $10, her response was, there were three withdrawals made on this account. When I asked her how come someone be able to continue withdrawn from my Debt Card while the Money Network deactivated my Debit Card, for further fraud prevention, since March 26, 2024? Her response was that the fraudsters are outsmarted us, that is why it is happening.
  
  Furthermore, in response to my letter on December 20, 2024, through the Better Business Bureau, Money Network responds that they open a new dispute claim: CMS202412240750354470. However, when I called on January 9 at 1:20 PM through the number they provided to me to talk to a human being agent, I spoke with ******* and asked her to check the status of my claim with the new dispute number CMS202412240750354470, her response was, that number does not exist in their system. When I gave her the original dispute number: CMS-2024-0326-0905-4273-30, she said that claim number does not exist in their system as well. And she mentioned that they might remove it from the system, if it had been more than 180 days.
  
  I am deeply concerned that Money Network really does not want to resolve this case. When they opened a dispute claim on March 26, 2024, for me, I requested them to send me a new Debt Card with the amount of $350. Instead of resolving this claim, they opened another new dispute claim, which I really dont understand why. And this new dispute case number does not even exist in their system. They are pretending that they are on the process of resolving this claim without actually doing it so.  As a result, I am not in agreement with their response, unless they send me my $350 in check.
  
  I have been waiting for them since March of 2024, and they have never attempted to respond or to resolve my dispute case, instead they open another new phony dispute claim so that I agree with their offer and close the complaint I have through BBB, and later to end up being ignored once again.
  
  Regards,
  
  Abrehite ***********

• Initial Complaint

  Date:11/14/2024

  Type:Order 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 inquired with the company at the end of September to transfer an existing equipment lease into my name. The person who responded to my inquiry told me the transfer was not possible, which in fact was a lie in order to me to induce me to sign a new equipment lease. I trusted that as a representative of the company he was telling me the truth but in fact he was committing deceit in order to get a commission on a new equipment lease. When I followed up with him in mid-October, he suddenly ceased to reply to my communication. When I followed up, also in mid-October, with the company they requested I send them documentation of the incident. After I sent them documentation the company is now refusing to respond to my requests for an update. I signed an equipment lease under fraudulent pretenses and I wish to have the lease cancelled and the company is refusing to respond to my reasonable inquiries.

  Business Response

  Date: 11/18/2024

  Mr. *****,

  Thank you for contacting us and bringing the stated information to our attention. 

  To assist we would need additional information information as your complaint does not provide any details. Please provide us your merchant number, business name, business address, the name of the business consultant that you worked with and attach the proof that you have regarding the claims. Once we have the information needed to locate you account we will be able to research and resolve this issue for you. 

   

  Thank You, Fiserv

• Initial Complaint

  Date:11/13/2024

  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.

  First Data merchant services is trying to collect a debt from me that I did not incur. On my ******* shopping cart I was cleaning up fulfilled and unfulfilled purchases, by merely clicking on "Fulfilled" beside the name of a customer that cancelled a custom made order that I was kind enough to allow, since our website states that "CUSTOM MADE ORDERS ARE NOT RETURNABLE OR REFUNDABLE" ******* for some reason refunded $5995.00 for a second time without my permission or intent since we had already refunded this customer once. Now ********************** wants me to pay for a glitch in *******'s system. These are funds that I did not receive or acquire in any way.

  Business Response

  Date: 11/21/2024

  Mr. *****, 

  Thank you for reaching out with the stated concerns regarding a refund issued in error to your cardholder. 

  When a refund is issued, the funds are returned to the cardholder. In order to return the funds they are debited from your merchant account. In this case, we were unable to debit the funds from your account. ****** pays those funds to the cardholder on your behalf. Due to the unpaid debit the account was sent to collections. These funds are owed to Fiserv and you are responsible for the debt.  

  Courtesy processing of a reversal for a refund issued in error needs to be submitted within 30 days. It is past the timeframe to complete a reversal. The funds were returned to the cardholder, therefore, you would need to reach out to your customer to discuss return of the funds they received in error. Unfortunately, we are unable to assist with retrieval of those funds. 

  Please do not hesitate to reach out should you have any further questions.

  Thank You, Fiserv

  Customer Answer

  Date: 11/22/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ****** *****,   Merely clicking on "fulfilled" on a sale should not issue a full refund to a customer who has already been refunded his $5995.00 once. This is an extremely deceptive or even a down right dumb practice. This method of refunding should have an indication that yet another refund will be issued. You should be chasing after the **************** card holder who has the money, because I don't.

  Business Response

  Date: 12/09/2024

  Mr. *****,

  Thank you for the information provided. At this time it appears to be an issue with the Shopify plug-in integrated with the web site. However, we are still researching to confirm. 

  We will reach out to you when we are able to confirm the issue. We appreciate your patience. 

  Thank You, Fiserv

   

• Initial Complaint

  Date:11/13/2024

  Type:Service or Repair 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 September 16, 2023, ************* of ****** requested Clover Network, LLC of *********************************** to close one of the two locations serviced by the Clover POS and Merchant Services. At that time, the location was closed, and 100% of the gift cards across our multiple locations were invalidated: I can't load a card, unload a card, or even check the balance of the cards that are issued. Since we are a winery who pays our growers in gift cards, as well as issuing traditional 'gift card uses' we are looking at thousands of dollars of 'lost money' - both on the Corp. side, as well as on my customer's side. Many customers have asked for cash refunds of cards (cards I can't check the balance of). I have called the following people every business day since this has become an issue ( ***** *****, *** *****, ***** *******, ****** ******, ***** ******** as well as the Clover Tech Team, the Clover Gift Card team, and general Clover support.) In each case, they all have 'full VM boxes' with no way to send them an email or any way to have designated a single 'point of contact'. I have logged over 100 hours on the phone attempting to resolve this issue. Numerous cases have been opened regarding this issue. Many have been closed with no resolution. Most phone calls result in a dropped call with no call back. BOTH the ******* Attorney Generals have suggested this is the best way to bring attention to the situation prior to bringing a multi-state lawsuit against financial negligence. I want to offer Clover the chance to reconcile my gift cards before a lawsuit is brought forth, but since the company will not give me a phone number or email address for any single point of contact with this issue... I am having to result to more formal complaints. The next level (Suggested by the ** offices) is to reach out to the *** DSS then the ***** I don't want to do that... I just want a human point of contact to help me resolve these missing thousands of dollars.

  Business Response

  Date: 11/21/2024

  Ms. *********, 

  Thank you for reaching out with the stated concerns. We apologize for any frustration this issue caused you. 

  Our tech support has confirmed that they spoke with you and the gift card issue was fixed on November 7, 2024.

  We believe this issue has been resolved. However, if you have any further questions  please do not hesitate to contact us. 

  Thank You, Fiserv

• Initial Complaint

  Date:11/12/2024

  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 am being told that I'm not allowed to use my money on here the way I want they assume my purchases are fraudulent when they're not they don't ask if it is me or not they just assume I am not comfortable with being told how I'm allowed to spend my money.

  Business Response

  Date: 11/29/2024

  We are responding to your BBB complaint regarding your attempt to transfer funds from your Money Network card to a bank account.
  
  Certain Money Network programs have restrictions to what financial institutions can be used for transfer of funds. Please refer to the card agreement for available options on withdrawals and associated fees.  
  
  If you have any further questions, please contact Money Network **************** at **************.
  
  
  Thank you,
  Fiserv

  Customer Answer

  Date: 12/02/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ******* ********

• Initial Complaint

  Date:11/12/2024

  Type:Service or Repair 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 10/23/24 I had reserved a room at ******* for one night. Upon check in Money Network placed a preauthorization hold on my EDD card for $93.35. The following day, 10/24/24 had checked out and on 10/25/24 the merchant processed my payment for $81.17. So when I called Money Network they had told me per their policy a preauthorization hold will stay in place for 31 days because the merchant may charge me for incidentals. Well if they would have done that it would have been processed along with the $81.17 room charge on 10/25. I was told that if I wanted the hold to be removed sooner than the 31 day time frame I need to contact the merchant to ask them to write a letter on their business letter head that they would not be processing another transaction then fax it. I asked the merchant and they got very upset with me. I called ** back and spoke with 3 reps that stated its their policy. I asked where can I find this policy, they directed me to their payment card holder agreement on the ** website I informed them that it did not mention ANYTHING about a 31 day time frame preauthorization hold which makes them out of compliance. It reads as follows: Authorization Holds. Except as specified in subsection (f) below, you do not have the right to stop payment on any purchase transaction originated by use of your Card. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be "preauthorized" for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. During this time, you will not have access to preauthorized amounts. Once the final payment amount is processed, the preauthorization amount on hold will be removed I am asking ** release my funds or will have no other choice but contact CFPB and State *************************

  Business Response

  Date: 11/14/2024

  Thank you for bringing your concerns to our attention regarding authorizations from ******** As these transactions occurred on October 23 & 25, 2024. As this is an authorization from a hotels/motels, funding holds can take up to 31 days to release from the account. Please call ********************************************* customer service at **************, if the authorization is not removed after the 31 days has lapsed. 
  
  In order to have a pending authorization removed prior to the charge posting, you must contact the merchant ********* that placed the hold and request that the merchant ********* to send a letter on company letterhead with the following items: 
  - Cardholder Name 
  - Card number (last 4 digits only - Merchants are now prohibited from sending full card numbers in e-mail or fax)  
  - Date of transaction  
  - Amount of transaction  
  - A statement from merchant affirming that the pending transaction will not be posted to the account and can be removed by Money Network.  
  - Signature/Electronic Signatures are accepted)  
  The merchant can fax or email the information to Money Network, using the following:  
  
  Account Management fax number of ************** or email to ***************************************** as an attachment or embedded in the body of an email message. 
  
  If you have additional questions, you may contact Money Network **************** directly at **************. 
  
  Thank you, 
  
  Fiserv 

  Customer Answer

  Date: 11/15/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  you had instructed for me to contact Money Network which I had did and I still am not getting anywhere. Ive talked too many uneducated, untrained call center representatives, supervisors, and managers And Im receiving conflicting information. I was told that the 31 day policy is an agreement between MN and the merchant. I dont care what type of agreement that MN has with the merchant. It has to be transparent and put in writing under your card agreement, terms of additions to be compliant and enforced. This is in violation of the ************************ and I will notify them of this if this hold is not removed. Your response was if I want money network to release the hold BEFORE THE TRANSACTION HAS BEEN PROCESSED, I need to do a,b,c, this information you are providing me does not relate to my situation. The merchant processes the payment on 10/25/24. See the attached screenshot of my reservation which proves the 1 day stay amount was ***** for check in 10/23/24-10/24/24 checkout. The merchant processed my ***** payment over 15 days ago.  So as you had stated before, your steps to resolve this matter is not only redundant but a waste of my tlme! I need my medication. I need to buy food. I am demanding MN  to release my funds because they are conducting shady, non transparent and illegal business and is in violation of their  own card holder policies terms and conditions.

  
  Regards,
  
  ******* *******

  Business Response

  Date: 11/26/2024

  In our previous response, as these transactions occurred on October 23 & 25, 2024 and this is an authorization from hotels/motels, funding holds can take up to 31 days to release from the account.  

  The authorization holds have been lifted and the funds have been returned to your card on November 23, 2024.

  If you have additional questions, you may contact Money Network **************** directly at **************. 
  
  Thank you, 
  
  Fiserv 

  Customer Answer

  Date: 11/26/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  I had to wait 30 days even after the merchant had processed my payment. This is against your own policy terms and conditions and does not specify 30 days. 
  
  Regards,
  
  ******* *******

  Customer Answer

  Date: 12/04/2024

  Yes, my money has been returned. But please explain why had to wait an additional 30 days when the money was already received by the merchant? (Without quoting some verbal policy, thats not in your terms and conditions).

  This is Bad business practices at its finest, and if you ask me, seems like First Data uses   peoples disability and unemployment funds on a borrowing basis for 31 days (even after merchant processed payment) to benefit themselves.

  It is imperative that First Data/Money Network specify the 31 day policy in the terms or conditions so the next person is forewarned and will have a choice if they want to use their Benifits card for such purchases. I will contact the consumer financial protection bureau if this is not changed within the next 10 days and have them force their hand to Make sure this company is in compliance!