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

  2155 Barrett Park Dr NW Ste 215 Kennesaw, GA 30144-3631

• 

  First Data Merchant Services, Inc.

  750 La Playa St San Francisco, CA 94121-3262

• 

  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:08/12/2024

  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.

  We received a call offering a free POS merchant processing machine and lower processing fees. The fees quoted were lower. We agreed to have the machine sent to us on a trial basis and it was never delivered to us. The fees quoted also ended up with hidden charges. 1st data billed us 49 per month and we called and had the fees cancelled. We were billed 3 Times and each time the fee was cancelled. We were told that the issue was resolved, and we would no longer be billed. We just received a subscription agreement roughly one year later billing us for the machine. I spoke with First Data customer support who connected me with their merchant channel Velocity Business Solutions, LLC. They told me that our CEO signed a contract on July 1 2024 which is a total fabrication. The also report shipping the machine to us in July of 2024. We never received a machine from them.

  Business Response

  Date: 08/20/2024

  ****************,

  Thank you for bringing the stated concerns to our attention. 

  We have attached the Lease Subscription Agreement for your review along with the confirmation of email sent, paperwork opened and signed.. Please note that that agreement was signed by ******* High ****** via electronic signature on 7/15/2024 at email address ****************** which appears to be her business email. The documents show they were sent 4:57:30 PM, opened at 4:58:06 PM then signed and returned at 5:00:41 PM. The agreement clearly has a lease term of 48 months at $80.00 and in bold states This is a non-cancelable subscription. It is the merchant's responsibly to read the terms of the agreement before signing. By signing the agreement you acknowledge you agree to the terms and fees listed. 

  Additionally, you will find attached the delivery and acknowledgement form also signed by ******* High ******, sent to and returned by the same email address of ***************** on 7/25/24. **************** initialed the form for each of the below as acknowledgement and agreement to the statement. 

  The equipment I have requested has been delivered to my business location.

  I have received a copy of my Subscription Agreement.

  I have read and understand the terms and conditions of the Subscription Agreement.

  I understand that this subscription is NON-Cancelable for the full term.

  My business subscription payments will be automatically deducted from my designated business account on the same day each month during the term of the subscription agreement. 

  I agree to the total number of pieces of equipment contained with in the Subscription Agreement. 

  Based on the above information, we have a valid lease agreement with **************** who listed herself as the owner of the business. **************** then acknowledged she received the equipment, read and understand the terms and that she was aware the agreement was non cancelable. Therefore, we would refer you to **************** to discuss her lease and agreement of such. 

  However, if we can be of any further assistance please do not hesitate to reach out. 

   

  Thank You, ******

  Customer Answer

  Date: 08/20/2024

  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.
  

  This was not signed by **************** and they still have not provided any proof of delivery of any equipment.  We emphatically deny this electronic signature and receipt of any machine.
  

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

  Business Response

  Date: 08/26/2024

  ****************,

  When signing the agreement, it is required to send your ** as proof of signer. Please see attached which is the ** for **************** that was sent along with the signed lease agreement. Also, is a copy of the check provided for the debit of payment information. 

  We have provided you with the signed lease agreement, the paperwork showing the agreement emailed and returned from your business email address and proof of ** provided with the agreement. We have no reason to believe that the lease was fraudulent nor signed by anyone other then ****************. You were provided the equipment acknowledgement in which **************** acknowledged receipt of the equipment. This is proof of receipt of the equipment. The lease is valid. 

  Thank You, ******

   

• Initial Complaint

  Date:08/09/2024

  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 have been a First Data customer for approx. 20 years. I am writing because they are supposedly doing away with the First Data Global Gateway, which I am connected to. I am unable to get in contact with anyone at First Data Global Gateway to a) figure out when it will no longer work (I have a great number of customers tied to this and support has been horrible, giving contradicting information about when it will be disconnected) and b) what specific connection information is needed to connect to Clover? I really need some assistance in getting a lot of questions answered before this is disconnected or it was DRASICALLY impact my business and result in financial loss. I need someone to escalate this to the highest levels to get the overseers of this technology to get me the answers I need.

  Business Response

  Date: 08/12/2024

  ******************,

  Thank you for reaching out with the stated concerns. Unfortunately, we are unable to locate your merchant account with the little information provided. In order to assist we would need additional information. Please provide your company name, merchant number and business address. 

  Thank You, ******

  Customer Answer

  Date: 08/12/2024

  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 merchant account number is ************. The ********************** Global Gateway store number is **********. I need to speak with the head of the gateway to inquire about when the deprecation will be final. Also, I need to figure out what changes were made in the *** as my invoicing company cannot connect to Clover.
  
  Regards,
  
  *****************************

  Business Response

  Date: 09/04/2024

  ******************,

  Thank you for your patience while we reviewed your concerns. 

  Merchants are scheduled to be migrated by the end of September. However, will not disconnect any merchant abruptly without warning. We have confirmed an email was sent out to you in May that has all the details about using Clover API

  If you need assistance or have questions about the migration those should be direct to ***************************************.

  Thank You, ******

• Initial Complaint

  Date:08/07/2024

  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 have had the Moneynetwork.com/EDD account since May 2024 (June through August 7). My problem is that I cannot view my account activities or set up alerts. I have attempted to work with several customer service representatives and supervisors who attempt to troubleshoot with limited resources. However, I have been hung up on and told that there is nothing else can be done. Furthermore, I am told that I will get help from their technical support, but that is miscommunication and excuses given from the those who I have spoken to at Moneynetwork.com/EDD. Additionally, today, August 7th, I spoke to two supervisors, ******** and ********. Both were unhelpful and said the same thing. When I kept asking questions from ********, all he could say was that only two calls have been noted, June 10th and June 25, 2024 that had my complaints. I have been told the same thing, that someone from technical support will reach out and help me, but that has not happened. The miscommunications and lack of support from representatives who do not have any training on helping their customers. EDD should reconsider using Moneynetwork.com/EDD. In fact, when I attempted to ask ******** to reach out to his means of chatting with technical support, he hung up on me.

  Business Response

  Date: 08/23/2024

  Thank you for bringing your concerns to our attention. We had a representative from Money Network contact you regarding the concerns stated. The representative advised yourself of ticket INC016528167 for the issues you are experiencing. The representative obtained additional information to help research the issue as to why you cannot access the app or website and they will follow up once there is an update. If you have any further questions, please reach out to Money Network **************** at **************.
  Thank you,
  
  Fiserv

• Initial Complaint

  Date:08/07/2024

  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.

  I am filing this dispute in regard to a transaction that was made at 8:13pm on June ******* at the *********************** on Morada Ln Stockton Ca atm machine. I went to pull money off my card and transfer it into my bank account and the amount was $780.00 with a $3 atm fee and it said unable to process your transaction at this time. I then checked my account balance on June ******* and it showed the transaction as posted like the money was taken off the card, but it was not. I called you guys to file a dispute on June ******* as soon as I realized what had happened,also went on June ******* to ********************* to see if they could check the atm cameras or assist me in anyway and they said it all had to be done through you guys. I have a family to provide for and it's not like this was a small amount trying to be withdrawn which is now froze up and I have no access to. Please if you have questions please contact me ********** This was the original dispute that was filed in late June they then told me I would have the provisional credit by the Monday after 4th of July and still no money back in my account

  Business Response

  Date: 08/09/2024

  Dear ************,
  
  Thank you for bringing your concerns involving your Money Network account our attention. Based on your correspondence, we have initiated a chargeback to the merchant for the disputed item who has until September 5, 2024, to respond. Our records indicate you received a provisional credit of $783.00 on August ******. You may contact **************** on or after that date to inquire about the chargeback.
  
  If you have any further questions, please reach out to Money Network **************** at **************.

  
  Thank you,
  Fiserv

• Initial Complaint

  Date:08/06/2024

  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.

  I have requested multiple times to cancel my account. They say they customer service can not do it and will call me back. 3 days expires without the promised call back. When I recontact the company they say the same thing. Then they continue debiting my business accounts for ******************** i no longer use and have requested multiple times to cease. I am not bound by contract and they continually ignore and refuse to honour my request to cancel my account while stealing my money.

  Business Response

  Date: 08/22/2024

  ****************,

  Thank you for reaching out with your concerns. We apologize for any frustration caused. 

  Several attempts have been made to reach you to resolve however we have been unsuccessful at reaching you and have received no return calls from our voicemail requests. Based on your complaint we have closed the account and issued a refund in the amount of $71.90 for fees billed. 

  If you have any further questions please do not hesitate to contact us back.

   

  Thank You, ******

• Initial Complaint

  Date:08/02/2024

  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 12/15/2023, $219.22 was debited from Northampton Wools business account without my permission. In a 11/12/2003 letter from Clover, which referred to First Data Merchant Services, Private Client Leasing (Subscription Number 052-2132651-000), Clover stated FDMS was welcoming me as client with subscription payments to automatically transfer from the store's checking account # ending in ** on day 5 of each month. Northampton Wools, terminated its Point of Sale agreement with Clover over 8 years ago, returning any Clover POS equipment at that time. I have not used nor received any Clover POS services since. Clover's 2023 letter stated FDMS was entering into an "agreement" WITHOUT either company first contacting Northampton Wools to discuss any lease arrangement, provide any POS equipment or provide me with a lease. I have not used nor do I intend to enter into ANY POS-related agreement with Clover, with FDMS and/or Private Client Leasing. I am requesting a refund of the $219.22 debited on 12/15/2023 along with a refund of the $30 stop payment fee piad to any further not-authorized debits for a total of $249.30. To date, I have written three letters to *******************, CEO, Clover Network ***** *************************, CEO of FDMS and ************************* of Private Client Leasing. A copy of the letters contents has also been sent by email to **** of Private Client Leasing. PCL is the merchant channel referenced in Clover's letter. All letters were sent Certified Mail Return Receipt Requested. Phonecalls to any of these businesses were not productive.There has been no written response nor acknowledgment from Clover, FDMS or Private Client Leasing.Your efforts in having the $219.22 taken without permission plus the $30 stop payment fee now be reimbursed to my account are truly appreciated. Please let me know if you need any additional documentation.

  Business Response

  Date: 08/16/2024

  Thank you for bringing your concerns to our attention.  Our records reflect that a lease account *************** was established with First Data Global Leasing (FDGL) on 11/8/23 signed by ************************* via docusign with email of **************************.  ****************** also signed the Delivery & Acknowledgement form on 11/8/23 acknowledging and accepting the Terms & Conditions of the non-cancelable lease.  We also show that ****************** contacted FDGL on 1/8/24 and requested the lease agreement which was emailed to the same email of ************************** of where the agreement was signed.  ****************** also provided her DL (drivers license) and voided check.  The lease was disposed of without the return of equipment on 2/9/24.  There will be no refunds forthcoming.  If you have any further questions, you will need to direct them to FDGL at **************.

  Customer Answer

  Date: 08/29/2024

  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.

  None of this is correct.
  On December 15, 2023,  as soon I received a letter from Clover telling me that my bank account would be hit every month I responded using the phone number in the letter and through a series of electronic choices asked for a copy of the contract. No copy ever came either through email or USPS.
  On that same day, a few hours later the bank manager at my bank called Clover and received the same electronic choices and the bank requested left a voicemail, requesting a copy of the contract. No contract was ever e-mailed or mailed.
  After hours of phone calls trying to track down someone who would or could answer my questions, I was finally connected to ****** (a Fiserv representative) on January 30, 2024. He looked for the contract, and said, I dont see any sales agent listed to which I responded- Because there was no agent and no contract. I again requested a copy of the contract that he was supposedly looking at and I never received one through email or USPS.
  I never received any equipment; this company has not provided proof of shipping any equipment or proof that it was delivered. No one from the company called or wrote to verify receipt of said equipment or to install said equipment- because nothing was ever sent.
  This company has not provided proof of having a copy of my license or of a voided check. I can provide my bank statement for all of November and December showing no break in the check numbers that were written by me during those months. I never gave anyone or mailed anyone a voided check.
  I have written and sent and have receipts that prove I sent numerous letters disputing this contract. I have spent countless hours on the phone and computer trying to resolve this issue.
  My complaint stands.
  With all sincerity and in all honesty,
  *************************
  
  see attachment.
  
  Regards,
  
  *************************

  Business Response

  Date: 09/04/2024

  ******************,

  Please see the attached copy of your signed Lease Subscription Agreement along with a voided check and a copy of your drivers license received at signing of the agreement on 11/8/23. Also included is the signed acknowledgement form stating equipment was received and agreement of the terms.

  Our records reflect on 1/8/24 you contacted the leasing department at which time, per your request, the agreement was emailed to you at *******************************. We received a letter of dispute from you on 1/17/24. A response was sent with a copy of the agreement on 2/6/2024.

  The lease was disposed of without the return of equipment on 2/9/24. There will be no refunds forthcoming. If you have any further questions, you will need to direct them to FDGL at **************. 

   

  Thank You, ******

• Initial Complaint

  Date:08/02/2024

  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.

  On July 4th 2024. CLOVER STOLE MY FUNDS. THEY ARE THE WORST. THEY STEAL YOUR HARD WORKING MONEY. CUSTOMER SERVICE LONG WAIT LILTTLE RESOLUTION. THEY ARE STEALING HARD WORKING PEOPLE MONEY. THEY PLACE YOU ON FALSE SUBSCRIPTIONS AND DOUBLE CHARGE YOU FOR SERVICES THEY ARE NOT PROVIDING. 10YEAR CUSTOMER AND THEY STEAL YOUR **********************. THEY ARE PREDATORS. THEY PUBLIC NEEDA TO BE AWARE

  Customer Answer

  Date: 08/02/2024

  On JULY 4TH OF 2024 CLOVER PROCESSING PROCESS MY CUSTOMERS PAWNTS AND REFUSED TO RELEASE MY FUNDS FOR THAT DAYS WORK. THEY CLAIM I OWE THEY SUBSCRIPTIONS FOR 2022 AND 2023. I HAD IT SET UP WITH THEM AS ACH AND THEY WERE GOING IN MY ACCOUNT EVERY MONTH SINCE IVE SET UP AUTO PAY FROM THE BEGINNING. YOU CANT GWT CLOVER WITHOUT ACH AUTO PAY. THEY ALRWADY GOT PAID FOR THEIR SERVICES AND NOT THEY ARE DOUBLE DIPPING AND REFUSE TO RELEASE MY FUNDS. THEY GOR PAID TWICE. AND THEY ARE STILL SENDING ME A BILL AFTER ITS BEEN CANCELLED. THEY ARE PIRATES AND THEY ARE STEALING HARD WORKING PEOPLE'S EARNINGS. THEY ARE CROOKS THAT NEED TO BE STOPPED.IF THEY COULD DO THIS TO ME OUR VUNERABLE POPULATION IS A RISK OF THEM AS WELL. I NEED THEM TO GIVE ME BACK MY MONEY BECAUSE I ALRWSDY PAID AND I OWE THEM NOTHING. THEY WANT TO GET PAID 2 OR 3 TIMES FOR A SEVICE Pid for 2years ago. THIS IS A CRIME! I WANT MY MONEY BACK. I HAVE EMPLOYEES TO PAY

  Business Response

  Date: 08/06/2024

  Ms. *****,

  Thank you for contacting us with the stated concerns. Unfortunately, we are unable to locate your merchant account with the little information provided. We would be happy to assist but need to review your account. 

  Please provide your merchant number, business name and full business address. 

   

  Thank You, ******

  Customer Answer

  Date: 08/07/2024

  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.
  
  MY MERCAHNT ID 519917920103785

  BRUNOS CATERING FOODTRUCK 

  YOU STOLE MY PROCESSED EARNING FOR JULY 4TH 2024. YOU HAVE GIVEN ME THE RUN AROUND AND KEEP SENDING ME TO DIFFRENT COMPANIES THATS ARE NOT AFFILIATED WITH MY ACCOUNT. YOU ARE VERY UNETHICAL IN YOUR PRACTICE AND HOW YOU WANT TO DOUBLE DIP AND GET PAID TWICE  FOR THE SAME SERVICE. THIS IS WRONG. ITS SIMPLY NOT RIGHT. REFUND ME MY 900$ . ITS ILLEGAL WHAT YOU HAVE DONE WITH MY FUNDS. REFUND ME MY MONEY
  
  Regards,
  
  ***********************

  Business Response

  Date: 08/28/2024

  **************,

  Thank you for bring the concerns to our attention. 

  You set up your account through a third party sales organization (ISO), VizyPay. Please contact them at ************ to review your fees and request a copy of your merchant agreement.  

  Your merchant account was in arrears and a collection balance was owed for merchant fees. Funds were held to cover the outstanding balance, the remaining funds of $94.46 was released to your checking account on file on 8/16/2024. No refunds will be forthcoming. 

   

  Thank You, ******

• Initial Complaint

  Date:07/30/2024

  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.

  Used Cardpointe to process Credit Card transactions. they used Merchant Services **** to process.7/3- trailer 1 $12818.35 7/10-Trailer 2 $13,171.64 7/12-trailer 3 $12,818.35 7/15-parts $66.12 Trailer 1 money was deposited into our account, other 3 trans. were held by ** & has yet to be deposited, Trailers 1&2 were charged back and the money was taken out of our bank. ** stated that they would release the funds once the 2 chargeback was processed, we sent the paper from the bank and the funds have not been released. ** debited our account $25 this past week and then tried to debit an additional $12818.35.

  Business Response

  Date: 08/16/2024

  Thank you for bringing your concerns to our attention.  Our records reflect that the newly boarded account came under risk review due to processing higher than signed for sales, excessive declines, high fraud chargeback ratio and you refused to comply with supplying all requested supportive documents.  The decision was made to secure funds and exit the relationship.  The account was closed 7/23/24.  We also show that funds in the total amount of $26,056.11 were diverted to reserve (includes $12,818.35, $13,171.64 and $66.12) and you received a chargeback for $12818.35 that was deducted from the reserve.  The current amount in reserve is $13,237.76.  Based on our findings, funds are not eligible for release at this time.  You may contact us in 60 days and at that time, Risk can review the account again to determine IF funds can be released.  Please note this is NOT an automatic process that funds will automatically be released in 60 days.  You will have to contact **************** at ************** to have the account reviewed again and a decision will be made at that time.

   

  Customer Answer

  Date: 08/24/2024

  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.
  
  There were many issues. We did not process the credit cards. We used Kenect to send the link to the customer and then the customer processed their own transaction using First Data.  We were unaware that we were being being scammed as well as the credit card processing company.  We took steps to verify all information before sending the link, which included getting their drivers license and a picture of the card.  It wasn't until the cops were involved that we were informed that these items were fraudulent.  We asked the detective how would we know and was told they were not aware it was until they ran it through their database.   After this fraud happened, First Data employees could have helped us through this process by informing us the name on the cards we were given did not match the name on the legitimate cards.  It was only after 3 weeks of almost daily communication and communication with the "customer" one agent at ********************** finally stated they didn't match.  This could have helped us tremendously as we were unaware of this.  

  Next, our main issue at this point and the part that needs to be corrected is the funds that were taken out of our bank account.  The only documentation we refused to give was 6 months of bank statements.  This was intrusive and showed no value.  This was requested BEFORE the chargebacks were completed.  After the chargebacks were completed, the only documentation that was insisted that we send was proof the funds had been taken out of our bank.  *************************** *************************** was the employee that requested this and stated that once received, the funds holding would be released.  We sent this information to him and the funds were not released.  

  We understand the chargebacks and have taken the proper police action against the "customers" that stole the goods by using credit card numbers that were not theirs.  However, First Data did not return the true card holders the original amount they took from the card in the original transaction.  Instead they debited our account funds that had no association with these transactions and are holding funds from a legitimate customer as well. This ********************** was taken from our account and needs to be returned.  

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

  Business Response

  Date: 08/28/2024

  ******************************, 

  If you wish to provide the statements we can review for release. As a business we need to ensure our risk and any incoming chargebacks will be covered. 

   Without all documents needed to weigh that risk, funds are not eligible for release at this time. You may contact us in 60 days and at that time, Risk can review the account again to determine IF funds can be released. Please note this is NOT an automatic process that funds will automatically be released in 60 days. You will have to contact **************** at ************** to have the account reviewed again and a decision will be made at that time.

   

  Thank You, ******

• Initial Complaint

  Date:07/25/2024

  Type:Service or Repair 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 used First Data Merchant Services as the card processor for my small business. In July 2019, I utilized their First Data Merchant Cash Advance through Clover Capital. The loan was paid in full on 4/2/20. On 4/3/20, First Data filed a *** lien against my business and now refuse to file the appropriate paperwork to terminate the lien. I'm not 100% sure how they managed to get the lien approved after the loan was paid in full, but I've got all the paperwork to back it up. I have written letters and contacted them via email, but they will not respond to my requests. Every time I try to call the few numbers I can find online, I'm told that I've reached the wrong department and no, they don't know the number or contact information for that department. My business relationship with our First Data *** ended very poorly and he refuses to help as well. Myself and my company owe them NOTHING. I was not even aware that the lien was still present until I tried to get an SBA loan through my banking institution and they denied our loan because of it. Their negligence and failure to follow the *** rules to release the lien within 20 days of payoff is negatively affecting my business.

  Business Response

  Date: 07/30/2024

  Thank you for bringing your concerns to our attention.  Our records reflect there was a past due balance for a Clover Market App of $5547.99.  The funds that were held on RPP (Revolving Payment Plan) of $4,878.94 has been paid towards the balance.  You still have a balance due.  If you have any further questions, you will need to contact **************** at **************.

   

   

  Customer Answer

  Date: 07/30/2024

  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.
  
  What you are claiming makes ABSOLUTELY NO SENSE. You filed a lien against our business AFTER we paid off our loan and it was filed under FIRST DATA MERCHANT CASH ADVANCE, which means the loan, not the Clover App Market. We continued to use not only First Data Merchant Card Processing after we paid off our loan, but we also continued to pay our monthly Clover App Market fees at a rate of $29.90 until 9/10/21. Any outstanding balance you CLAIM we owe is completely bogus. In order for the clover app market to have accumulated $5547.99 in fees for the app we used, it would mean that we would have had to been using the service for nearly 15 YEARS. I haven't even been in business long enough to have accumulated those types of app fees. 

  At NO TIME did First Data or Clover ever inform us that we had any past due balance of any type with Clover. As a matter of fact, First Data refunded us $225 because we over paid. Any amount due to Clover for any app, which we have NEVER been provided proof of, would be due to Clover and NOT to First Data Cash Advance. First Data continued to charge us a monthly fee, even after we stopped our merchant processing services. ************************* and his partner at SwipePort, who at the time of our loan were our Merchant Service contacts, refused to assist us in canceling our Swipeport services for 10 months, but we were charged every month during that time. Clover App Market did cancel our app services for MID ***************, at our request in September 2021. 

  Your UCC lien was filed against me based on a LOAN, not bogus fees you claimed were owed. If I did owe those fees in April 2020 when you filed the lien, why were they never deducted from our account while we continued to do business with you for over a year? Why did NO ONE at First Data or Clover ever reach out? Fees associated with merchant processing were deducted from my bank until 2/2/22 and fees associated with Clover App Market until 9/10/21. Both of those dates are well beyond the April 2020 date of the lien filing. 

  The lien you filed was false, as I no longer owed you for the loan. I have contacted the California Secretary of ************** and am in the processing of contacting the ************************* I demand to see whatever proof you have showing that I owe and how those fees were assessed. I have attached a spreadsheet of bank charges from Clover App Market from our time processing under MID *************** with app ID ***************. I would have attached the receipts from Clover, but it seems that my access to my online account has been revoked. I can, at any time, provide you with detailed bank statements at your request.

   

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

  Business Response

  Date: 09/10/2024

  Please note that this is NOT a loan as you believe.  The Clover Cash Advance is just that, a cash advance.  We were able to locate the *** Lien, verified that the Clover Capital Advance accounts has been paid-in-full and it has now been terminated.  The debtor was Corporation *************** (CSC Global) at ************** or ***********************.  If you have any questions, you will need to direct them to CSC Global).

  Customer Answer

  Date: 09/11/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. I too, have verified that the *** lien has been terminated as of 9/10/24.
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:07/25/2024

  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.

  Money Network has failed to deliver my EDD debit card, which contains my unemployment benefits. Despite being told multiple times over the past month that they received my info from EDD and are preparing to sent the card, I have yet to receive it. It doesnt take a month to send a card through the mail.Here are the details of my issue:1. Unemployment Benefits on Hold: I have $900 in unemployment benefits loaded onto the Money Network card, which I have been unable to access due to not receiving the card.2. Repeated Assurances with No Action: Over the 3-4 weeks, I have contacted Money Network multiple times. Each time, I was assured via automated response that my card would be sent soon. Despite these assurances, the card has not arrived and they keep lying and saying its being sent, so I am unable to access my funds to pay my bills.3. Lack of ***************** ********************************************** customer service has been unhelpful and frustrating. The automated system does not allow me to speak with a live representative, and I receive the same generic response each time I call.Due to this delay, I am facing significant financial hardship and I am struggling to pay my bills. This situation is causing undue stress and anxiety, as these funds are essential for my living expenses.

  Business Response

  Date: 07/29/2024

  ************,

  Thank you for contacting us regarding your Money Network card. 

  We show a new card was sent out to you on 7/28/24. Please allow up to 10 business days to receive the new card. If the card is not received, do not hesitate to contact us back for review. 

  Thank You, ******

  Customer Answer

  Date: 08/07/2024

  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.
  
  Dear BBB,

  I have not yet received the new Money Network card that was reportedly sent on 7/28/24. I am concerned because 7/28/24 was a Sunday, which raises questions about the accuracy of the company's claim. The company stated it would take up to 10 business days to receive the card, and as of today, only two business days remain in that period.
  You stated that I have only ten days to accept or decline their resolution and tomorrow will be ten days from that correspondence. Given these circumstances, I am requesting an extension to allow for the full 10 business days as promised by the company. If I do not receive the card within the next two business days, I would like to proceed with further action.

  Thank you for your attention to this matter.

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

  Business Response

  Date: 08/23/2024

  Thank you for following up regarding the status of your Money Network card you have not received. On August 21, 2024 Money Network issued and mailed a replacement card via ***** Please allow 7 - 10 business days for receipt of the replacement card. If you do not have the replacement card by September 4, 2024, please contact Money Network directly at ************** or follow up in the BBB.
  
  Thank you,
  
  Fiserv