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 Merchant Services, Inc.

  290 B St Santa Rosa, CA 95401-6307

• 

  First Data Corporation

  3800 NW 38 Street Fort Lauderdale, FL 33311

• 

  First Data

  2300 Palm Beach Lakes Blvd Ste 310 West Palm Bch, FL 33409-3310

• 

  First Data Corporation

  4000 Coral Ridge Dr Coral Springs, FL 33065-7614

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:08/10/2022

  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.

  Hi my name is *******, I am a customer of ***** Fargo for more than 10 years, a couple months ago i went to the branch and i requested a processing merchant service for my business that i have been working very hard to mantain and keep the income increasing for someone or any corporation to take advantage of my sacrifices and hard work, i got referred by the bank to a First Data Agent who was acting in the name of Clover, he set me up on may 13th 2022, since that day I HAVENT RECEIVED A ***** in my account, but in the equipment it shows that deposits and monthly fees have been charged but none from or to my account, this has created an extra stress and work effort and time for me to find out where MY MONEY is been deposited,it is about almost 9k$ that i have processed through you,my MID is: ************ I dont know who is getting my hard earned money I have tried to contact the Clover agent many times, he was always reachable until i have received the equipment, after that he has been unreachable. I need Clover to contact me in less than 72h to give me an answer before I bring legal authorities in this case, my brother happens to be a corporate litigator, i dont want to get to that level without getting to a friendly agreement before hand, please call me with a spanish agent, my friend was doing the translation for me.

  Business Response

  Date: 09/16/2022

  Thank you for bringing the stated concerns to our attention.  We understand that ***** Fargo Escalation's Team responded to you via email on 9/7/22 and provided resolution.  If you have further questions, we recommend you reach out to their contact information in the email.

• Initial Complaint

  Date:08/09/2022

  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 spent over an hour today being transferred around to at least 5 different departments in order to resolve a simple issue, only to end up with an impatient supervisor who hung up on me. I'm trying to return my old equipment and close my lease. It's also upsetting to hear that FirstData does not provide you with any supplies or methods to return your equipment: no boxes, labels, or drop-offs, the merchant is solely responsible for the shipping. I will actively avoid working with this company in the future given the chance.

  Business Response

  Date: 08/17/2022

  Thank You for contacting us with the stated concerns. We apologize for any frustration caused when calling for an address. Equipment can be returned to First Data Global Leasing ****************************************************. Please include your lease number in the package to ensure the equipment is credited to the correct account. 

  We do not provide return labels and highly suggested equipment is returned with tracking as proof of return should there be an issue or question as to it being received. 

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

  Customer Answer

  Date: 08/18/2022

  [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'm attaching the tracking numbers for the equipment that was dropped off.
  
  Regards,
  
  *******************************
  

  Business Response

  Date: 08/18/2022

  Thank you. Equipment has been received. 

• Initial Complaint

  Date:08/08/2022

  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 had a fish market in **********, ** and used First Data as our merchant service provider. We closed the market in July 2021. Although no card transaction was made since July 2021, we kept the merchant account open in case we are able to re-open our market. In March 2022 First Data withdrew $894.30 from our bank account without prior notice. When we called the customer service they informed us that it was refund to some customer for overcharge complaint. How we could overcharge someone if the market was permanently closed for last 9 months? They did not have answer to that, even if they could check and verify that there were no transactions within stated period. To our numerous calls to customer service they kept answering that they will call back in 3 business days with solution or clarification. This continued for several months. Nobody ever called. When we asked to give us the name or at least the bank name/location of the customer who complained about the "overcharge" we were told that this information cannot be disclosed and we will have to contact the customer/bank ourselves. But whom to contact? We cannot even receive an answer who requested for refund and where our money was transferred. As a small business owned by disabled military veteran, $894.30 is very significant amount earned with hard work and we would like to receive our fraudulently withdrawn amount back

  Business Response

  Date: 08/17/2022

  Thank you for contacting us regarding your concerns. We apologize for any confusion or miscommunication from our customer service area when you called regarding the debit. 

  On 3/29/22 we received refunds/credits issued on your merchant account for three (3) cardholders, $295.70 to card number ****************, $298.60 to card **************** and $300 to card ****************. When refunds are issued to a cardholder, funds are returned to their card, therefore, resulting in a debit to your merchant account. There were no complaints or chargebacks received from the cardholders. The refunds were not processed by us but received from your business as a batch. 

  We understand the business was closed at the time, however, your merchant account was still open and anyone with access to your equipment would be able to process refunds. If you believe this to be fraud and the transactions are not valid refunds, we would suggest contacting your local law enforcement to file a report and start an investigation, they will be able to identify the cardholder. Unfortunately, when we have seen this type of fraud/theft it is normally done by an employee or someone who has access to the business and equipment allowing them to issues refunds therefore putting credits on a card in order to use the funds. 

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

• Initial Complaint

  Date:08/03/2022

  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 May 2017, I opened a credit card processing merchant account with Reliance Star Payment Services, through ************ in **. On Apr 2020, I was notified in one of my statements that my servicer had changed from Reliance Star Payment Services to ***** LLC. The ************ was acquired by ***** LLC. I began seeing an increase in the rates I was paying for credit card processing. As a merchant, I feel stuck. The processor can raise rates significantly and without fair notice. Consumers should be allowed to refuse and cancel service with an early termination fee.I canceled my two accounts in Apr. 2022 and returned all the devices. However, they kept charging my account a minimum monthly fee of $35.30. I immediately called them to find out what the fee was, and they told me that I need to sign another cancellation form that contains terms of an early termination agreement, agreeing to indemnify them for losses. Please consider that even in the time that my account was open. Furthermore, I never agreed to any early termination fee in my application. The ***** opened up a new merchant account without my authorization. It was not made aware to me and I would never agree to it. I am demanding a refund of the last three month minimum fee and a copy of a signed ***** contract before I can agree.

  Business Response

  Date: 09/09/2022

  Dear ***************,
  
  Thank you for your additional comments regarding issues closing several merchant accounts to our attention.
  
  We have located several accounts for your business matching the Sales Offices (Reliance and POSNetwork) you mention your accounts moved through.
  
  At this time all inactive accounts are closed and any inactive account that had billing in the past three months have been refunded.
  
  It appears only one of the inactive accounts had any billing and a refund of $213.00 has been submitted.
  
  We believe this fully addresses your concerns.  Should you have any additional questions or concerns, please do not hesitate to contact us.
  
  
  Respectfully,
  ***********************************
  Presidential Liaison,
  **************  Toll Free
  ****************************

• Initial Complaint

  Date:08/02/2022

  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.

  March 2020 a representative arrived at my restaurant explaining to us his company of First Data Merchant Services. It was our 1st year of restaurant ownership and his explanation seemed great so we agreed to sign up for services. Yet we were being charged fees daily and plus monthly fees that were not explained. We agreed with ***** name of representative, that we may cancel at any time and he will take back the equipment. When we contacted him, he assured us he was going to help. Weeks passed with no resolution, gave him call backs with no responses. We contacted First Data Merchant Services and were told we must pay $500+ to cancel with them plus over $10,000 to TAKE BACK the equipment!! We were beyond angered and when we explained everything that was told by **** they said they didn't care and would not get me in contact with ****. I told them I found reviews on ******** of same situations that occurred to restaurant owners over the country they were not interested and unhelpful. They should be closed down and classified as fraud for stating solutions that would occurred if we desired to canceled before the 1 month deadline **** said that company had, and putting my in debt of over $10,000 for a POS I do not need.

  Business Response

  Date: 08/04/2022

  *****,

  We would like to assist.  Please provide your business name, address and merchant ID.  If you have a copy of a statement that would be perfect.  You may respond through this BBB case or directly to **************************** and reference the BBB case number in the subject line.

  Respectfully,
  ***********************************

• Initial Complaint

  Date:07/30/2022

  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.

  Amazon has charged my card unauthorized charges and then they even got third parties in there charging off of my card and I only have my card on Amazon that's where I ordered my groceries and other things and so no one else has that card number but Amazon but people are charging things off of my card in different countries and different states and so forth and they they and then they stick prime and BT and a bottle readings and ****************** on there digital readings that I never even authorized bills so I called them and they say they refunding it but it shows on their side that they refunded but it's not on my statement and I think they're doing a lot of fraudulent things I think Amazon is too doing fraudulent things I am disabled a senior citizen and I can't afford for them to be stealing money from me thank you

  Business Response

  Date: 08/08/2022

  August 8, 2022
  *******************************
  2385 ***********
  ******, ** 80223

  
  RE: BBB Complaint# ******** | Inquiry

  
  Dear ********************,

  
  TRS Recovery Services, **** (TRS) received your BBB complaint disputing certain information in our database. We
  understand your frustration at trying to resolve this issue. I attempted to reach you by phone on August 4, 2022 to discuss this
  complaint and left a voicemail; please call me directly at ************** to answer any further questions regarding this
  complaint.

  
  Your complaint notes that you used a debit card to make purchases. Please understand that when a consumer sets their account
  with Amazon it can be tied to a checking account as a form of payment. When the checking account is selected as a form of
  payment it is applied to the transaction, which can directly be with Amazon or with one of its associated vendors. If the item is
  paid on a linked checking account which is closed, where funds are held, or where funds are insufficient, an item will return
  unpaid much the same way. If an item returns unpaid from the bank, Amazon will assign the item to TRS for collection. For
  further information, Amazons website describes this process in some detail.1

  
  We did investigate our records using the information you provided but so far have been unable to locate any negative items in
  our database. In this case, the best piece of information we could use would be the bank routing and account number used in
  connection with your Amazon account. If you provide that, we can search our records and should be able to locate any negative
  items that *** be causing an issue. Alternatively, if you have received any communication from TRS, we could use the
  associated debt reference number located on the letter. Other information might be helpful such as a drivers license or a social
  security number but banking information or the debt reference number would be best.

  
  Be assured that the confidentiality of the information you provide is legally protected from unauthorized third party disclosure.
  You *** fax this information to **************. We also ask that you provide a phone number where you *** be reached
  during business hours if we have questions. If you have any questions or would like to discuss this matter directly with me,
  please call me as noted above. In the alternative you can also reach our ******************** at ************** MondayFriday 8:00 a.m. to 5:00 p.m. ET

  
  PLEASE NOTE ALL RETURN CORRESPONDENCE MUST EITHER REFERENCE THE TRACKING NUMBER
  ABOVE OR INCLUDE A COPY OF PRIOR CORRESPONDENCE RECEIVED FROM TRS.

  
  Sincerely,
  LaDrenda Black
  Collections Team Lead
  TRS Recovery Services, ****

• Initial Complaint

  Date:07/29/2022

  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 wrote in and sent a complaint against this company and they have come back to me with less than a satisfactory response. I have already took time to reach out to this company and state my concerns and was told I would be helped. I never was and that is called a lie. Now don't attempt to make it my responsibility to reach back out to this company and they have not even responded back for weeks

  Business Response

  Date: 08/03/2022

  Dear ****************,
  We would like to assist but have not been able to locate an account for you.  Your prior BBB case ******** my **** advised Thank you for bringing the stated concerns to our attention.  To allow us to assist, please send your Merchant Number (MID) and business information.
  You have not provided the required information for us to be able to assist.  You may respond to this case with the information, or you may send it directly to the Presidential Unit at the email below.
  ****************************

  Customer Answer

  Date: 08/03/2022

  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:07/29/2022

  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 July9th, I received a ping that 306 dollars was taking out of my money network account, in Broward county. I live in Palm beach county. An hour away. I immediately contacted Money Network. I advised them what happened. Unfortunately the person, I spoke to did not speak English. I called again on July 13th, when I still hadnt been contacted. This person sent out a new card, and the forms, to rectify the problem. I filled out the forms, sent them back via mail, and email. I received a letter on the 20th stating they denied my claim. I was very irate at this point, and contacted them on my day off, as you can never get through. Which is the 28th of July. I called to speak to someone in the dispute department, when they told me I can only contact dispute through a fax, and I had to file an appeal. Which Im in the process of now. During which time, I have just locked my card and transferred this money to my bank account. I have never used this card outside of palm beach county. I dont even have a car to travel that far of a distance. The only reason I have this card, is because thats how Im paid my wages through, my employment. I just want my money back. I cant even speak to someone to see why my claim was denied. I also contacted my HR **** at HMS.Host, to have this on record.

  Business Response

  Date: 08/04/2022

  
  August 4, 2022
  
  ***********************
  220 ******************** **********, ******* 33463
  **********, ** 33463
  
  
  RE CFPB case 220729-9137425 / BBB case 17644286
  
  Dear *********** ************* you for bringing your concerns involving your Money Network account to our attention.
  
  We have investigated your complaint.  Case number CMS202207090655167710 for $306.00 was requested by you on 7/29/2022 and initially denied.  However, upon review of the timeline and documentation which you supplied in response, that denial has been reversed and your dispute has been accepted.
  
  The $306 will be returned to your account today.  Please allow ***** hours for it to show as available to spend.
  
  The transaction which you challenged was swipe read which may indicate that a counterfeit card was created. We therefore believe that it would be advisable to have this card closed and a new card issued for your protection.
  
  We trust that we have addressed your concerns, but nevertheless, please do not hesitate to contact Money Network **************** directly at ************** with any further questions or requests. ************* You
  
  Respectfully,
  ***********************************
  Presidential Liaison,
  **************  Toll Free
  ****************************
  

• Initial Complaint

  Date:07/26/2022

  Type:Delivery 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 March 25th, our business received a set of POS equipment from Clover that we did not request, we did not need, nor did we wanted to keep and operate. We promptly reached out to Clover for resolution, but we were met with inaction on their part. After repeated efforts, we finally spoke with a Clover representative and explained how we did not order their equipment or want their services. After confirming our information, they insisted that we ordered the equipment and service. Within a week of receiving the first shipment of Clover POS equipment, we received a second set of POS equipment. At this time, we refused delivery of the second set of equipment and took the opportunity to return the first set of equipment back to Clover. Since alerting Clover of the issue and returning all their equipment, a Clover rep contacted us and confirmed our situation to have been a fraudulent account. However, Clover has continued their collections efforts on our company and are now sending collections letters to our business. At the very least, Clover is disorganized enough to not know that an account is fraudulent even when the company knows that an account is, in fact, fraudulent and all their equipment has been returned. Anyone considering Clovers merchant services is well advised to reconsider and go with another company.

  Business Response

  Date: 08/10/2022

  Thank you for bringing your concerns to our attention.  Upon review of the information provided and account history, we found the account to be opened without your permission.  The account has been coded accordingly as ID Theft.  We show that our Risk Team spoke with the true ****** during their review.  There is no responsibility to chargebacks nor collections.  We trust that we have addressed all your concerns, but nevertheless, if you have any questions please reach out to **************** at **************.

• Initial Complaint

  Date:07/21/2022

  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 received this card with my stimulus payment on it, I didn't realize that i had actually received almost double the amount i had until i filed my taxes this year and my tax refund was held up due to claiming the wrong amount of stimulus payment received. Once i was notified by the irs about the amount i actually should have gotten I looked at the card usage and seen a bunch of charges on the card that were not mine and that were made the starting the day i activated the card and a day or so after, i downloaded the paperwork to file a dispute from money network website and sent it to them via email as it says to do, i sent a few more emails after that and never got any response at all so after a couple of weeks without any response i sent the paperwork via regular mail as well, still without any response finally on July 8 2022 mind you this is months after i sent the paper work to them for the 1st time, I finally was able to talk to someone on the phone he filed the dispute gave me a dispute number and told me within 10 days i would be receiving a provisional credit if the dispute wasn't done being investigated, but i needed to turn in the paperwork i would get in the mail within 10day however because i had already sent the paperwork via email i was told to just resend it via email with the dispute number just issued and not to worry about the paperwork coming in the mail. I did it while on the phone with the agent. July 19 i got the papers in the mail that were due back by the 10th day but i didnt need to send them as i did it via email already. however i seen that the agent filed disputes for charges that were mine as well as the ones not mine, but i never got my provisional credit so i called them after 4 calls and 3 hours later i got the same agent on the phone who did my claim originally he said he was requesting an update and he would call me back in 3 hours, he never called so i call back and they said my claim was denied the charges are not mine $1400 worth

  Business Response

  Date: 08/05/2022

  Thank you for bringing the stated concerns to our attention.  Upon review of the information provided and the account history, we found the *** card was issued on 3/20/21 in the amount of $2800.00.  Please note that the *** determines the amount for the *** funds.  Our records show the phone number on file activated the card on 4/1/21 to be associated with you and matches your statement that you activated the card.  The initial transaction was an ATM PIN based transaction and the card was in your possession.  There were undisputed transactions between the disputed. The dispute claim was ultimately denied due to the transactions not being indicative of 3rd party fraud.  We consider this claim to be resolved and closed.  We trust that we have addressed all your concerns but nevertheless, if you have any questions, we recommend that you reach out to Money Network **************** at **************.

  Customer Answer

  Date: 08/08/2022

  As stated in my original dispute I understand that the *** is the one who is in charge of the amount of money that was put on my card, However I didn't know that the *** had put that amount of money on my card I thought I had only gotten half that amount and didn't know until my tax return was held up for months because I put the wrong amount of money as received on this, I had the card in my possession and never said I didn't, but someone got the card information from someplace because they spent about $1400 at Chumba gold coins, I don't know what's so hard to understand about the only charges I'm disputing are the ones from Chumba gold coins and after doing some research found out that a lot of people are having the same issue, the charges were made without a pin number, made online and not even from the USA. I didn't make any charges to Chumba gold coins and I want my money refund back to me this isn't right and I don't know why you won't just do the right thing and give me my money back and then get it back from Chumba gold coins, this is crazy I've been trying to get my money back since February and that's way too long to keep going around and around about this I need my money back I have serious health issues and haven't been able to work I have a child to support and live on my own without any help I need my money who in would spend all that money on gold coins when they have no income and a kid to support, I'm not going to go away I will file a claim in the courts whatever I have to do to get my money back this isn't right. Give me my money back and do it today it's been long enough.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,
  
  *********************************

  Business Response

  Date: 08/11/2022

  Our Dispute & Fraud Team have reviewed the claim again and the denial will remain.  As mentioned previously, the card was activated on 4/1/21 and the transactions were processed beginning the same day and does not fit fraud patterns.  It is not indicative of 3rd party fraud.  There is no remedy via the Money Network disputes process.  We consider this claims resolved and closed.

  Customer Answer

  Date: 08/12/2022

  This is crazy, the company is but even in ******* the charges were made online without a pin number, there's people all over the internet making the same complaint as I am,I don't know what the activation date is such a big deal obviously people who are scamming theses cards are watching for them to be activated, my point was that the charges started right after activation and I do believe if you at a few of the charges they are made at the same Time I'm using my card in the store with a pin, I didn't make the charges I've been trying to get my money back for months now, I have reached out to the company and was told to file a dispute with the card issuer 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,
  
  *********************************

  Business Response

  Date: 08/15/2022

  As mentioned previously, Money Network Disputes & Fraud Team reviewed your dispute claims and appeals and have ultimately denied as it is not indicative of 3rd party fraud.  There is no remedy via the Money Network's dispute process.  We consider your claims resolved and closed.