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

  1169 Canton Rd Marietta, GA 30066-6066

• 

  First Data Merchant Services

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

• 

  First Data Merchant Services, Inc.

  290 B St Santa Rosa, CA 95401-6307

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:03/11/2025

  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 declines to transfer my money to my personal bank and has declined purchases in spite of my explicit request. Domestic transfers to the same account I have been transferring weekly benefits to for a month. My money is currently working for Money Network and I am without groceries or fuel for my car this week

  Business Response

  Date: 03/13/2025

  Ms. *******, 

  Thank you for reaching out with the stated concerns. 

  Some card programs have a restriction on the bank that they allow to be used for transfer. Depending on the bank you were using it could have been a restriction on the bank.  

  There was as dispute, CMS202503120257025900, filed for a fraud transaction. When there is fraud on a card it requires the card to be cancelled to stop any further fraudulent charges which would not allow you to use the card. We are in the process of sending a new card out to you. Expedited shipping via *** has been requested.  

  Please let us know if you have any further questions. 

  Thank You, Fiserv

• Initial Complaint

  Date:03/10/2025

  Type:Product 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.

  Following my husband's death, I contacted Money Network Financial, which handles EDD payments, to receive access to his last SDI payments from before his death. The amount of money in my husband's account is $6966.32. They asked for documents to prove my eligibility as surviving spouse, which I sent both as a certified letter on December 4, 2024 and as an email on December 14, 2024. The certified letter tracking number is ********************.On December 15, ***** said they had received the email, but not the letter. The tracking for the certified letter said they received it December 16, the following day. On December 21, ***** said still had not received it and Money Network would need to speak to EDD. I was told the process would take thirty days.I called the company January 31, 2025 to get an update. **** said the escalation department would be progressing my case to the banking/legal department. On January 31, ****** confirmed the documents were being sent to legal/banking. On February 3, 2025, the documents were still being reviewed. **** sent an email to their legal department to get an update on February 6, 2025. This process would take ***** hours.On February 10, ***** said I would be sent a letter by mail once they made a decision, and they could not inform me of the decision over the phone. On February 18, 2025, ****** implied that a decision had been made and a letter would arrive in ***** days notifying me. On February 19, ******** confirmed the letter was being sent.I called on March 7, 2025, because I still had not gotten the letter. At this time, supervisor ***** told me that the company had not received any of the documents that I had sent either by email or certified letter. They claim to have no knowledge of my previous conversations or statements regarding the status of my request. Per their phone system, calls are recorded.I was instructed to email the documents again, essentially starting the whole three-month process over again.

  Business Response

  Date: 03/17/2025

  Ms. *******,

  Thank you for reaching out with the stated concerns. We are sorry for your loss and for any frustration we caused. 

  A check is being mailed out today to you, 3/17/2025, in the amount of $6966.32 for the remaining balance in the account. Please allow 7-10 business days to receive. 

  If you have any further questions or concerns please do not hesitate to reach out.

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/18/2025

  [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. 
  
  Regards,
  
  ******* A *******
  

• Initial Complaint

  Date:03/06/2025

  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've been with money network since June of 2021. I've never had any problems with them. But recently I have found out they were with meta until meta sold them over to pathward without warning, knowledge, or permission from any of their recipients/clients. Since switching over to pathward, I've found out that they sold people's accounts and personal information to the dark web. Including mines. Now I lost $1,705.14 because they sold my personal information on tye dark web. I've been calling them about my money, and all they do is call me a liar, accuse me of using that money, and hanging up in my face. They claimed that the payment was deposited in my account July of 2022. May I remind you, this money is from the *** for my missing stimulus check. So why would I receive that money on my card when it was supposed to come as a check, and if the 3rd stimulus came out in 2021, why wait a whole year to deposit in my account when I wasn't working then? I just want my money back from money network. These people are selling people's information to the dark web to cover up their actions. Please help me.

  Business Response

  Date: 03/06/2025

  Ms. *******,

  Thank you for bringing your concerns to our attention. We can assure you we have not sold yours or anyone's information on the dark web. 

  We have no control over how the Economic Impact Payment (***) was distributed to you. Money Network  issued the *** cards per the direction of ***. If you have questions on how your funds were distributed or why, you would need to contact the IRS.  

  We were able to locate a Money Network card for you that was opened in 2021 but has not been used or funded since 2023. This appears to be a Dollar General pay card. We are unable to locate a *** card issued to you under the information provided in your compliant. If you filed your 2018/2019 taxes jointly it could be under the name the person that you filed with. If you have an account or card number for the *** payment please provide that or the name of the joint filer. If you are unsure if your funds were on an *** card please reach out to the *** to confirm how your funds were sent. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/06/2025

  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 .I did contact the *** about this situation.  They wanted me to contact money network about this situation. I have called many times just to be called a liar just like now. I just want my money back. If I can't get it back from you guys, then small claims court it is.
  
  Regards,
  
  ******* *******

  Business Response

  Date: 03/07/2025

  Ms. *******,

  Thank you for your response. 

  We were able to locate a Money Network card for you that was opened in 2021 but has not been used or funded since 2023. This appears to be a Dollar General pay card. We are unable to locate a *** card issued to you under the information provided in your compliant. If you filed your 2018/2019 taxes jointly it could be under the name the person that you filed with. If you have an account or card number for the *** payment please provide that or the name of the joint filer along with any other phone number, address or email that would have been file with the **** We can also locate the account your social security number or the number of the joint ***** if listed under their name. 

  If the *** has confirmed your *** funds were given on a Money Network card, please provide the information listed above to assist with locating your card.

  Thank You, Fiserv 

  Customer Answer

  Date: 03/10/2025

  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.
  
  My phone number is:************

  Email:******************************

  Ssn:***********

  Name:******* Nichelle *******

  Please just return my money. I'm not a liar. I know for sure that I did not receive that money nor a notification regarding that deposit.
  
  Regards,
  
  ******* *******

  Business Response

  Date: 03/14/2025

  Ms. *******,

  Thank you for providing the additional information. We have searched under that information you provided and under your social security number. We have no EIP card that was issued to you for the stimulus payment. The only money network account in your name is the card issued by **************. You would have received a letter letting you know that stimulus payment would be issued on a Money Network card. If you have a copy of that letter please provide that. 

  If you are unable to provide any other information, we would refer you back to the *** to confirm that your payment was sent to you via a Money Network card and not a check or direct deposit. As stated in our previous response if you filed jointly in 2018/2019 with someone else, the card could have been issued in their name and you would need to provide their information. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/17/2025

  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. I have attached two pictures response on how money network did sell people's information to the dark web. Not only was it the information,  it was also their pin numbers, social security numbers, account and routing routing numbers as well. And they have not reimbursed people for unauthorized transactions, dispute claims filed, and more. And my money was stolen by money network because they sold people's information to the dark web without consent or knowledge or permission from their clients/account holders.
  
  Regards,
  
  ******* *******

  Business Response

  Date: 03/19/2025

  Ms. *******,

  We do not show an EIP card was issued to you.  We have searched under that information you provided and under your social security number. We have no EIP card that was issued to you for the stimulus payment. The only money network account in your name is the card issued by **************. You would have received a letter letting you know that stimulus payment would be issued on a Money Network card. If you have a copy of that letter please provide that. If you are unable to provide any other information, we would refer you back to the *** to confirm that your payment was sent to you via a Money Network card and not a check or direct deposit. As stated in our previous response if you filed jointly in 2018/2019 with someone else, the card could have been issued in their name and you would need to provide their information. Thank You, Fiserv 

• Initial Complaint

  Date:03/05/2025

  Type:Order 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.

  Nature of Complaint:I entered into a contract with Clover under the impression that it was a lease-to-own agreement with early payoff options and no penalties, based on verbal representations made by a sales representative, Mr. ***** I agreed to proceed after he assured me that I would be able to pay off the device early and own it outright. This was further confirmed in an email sent by a Clover representative, *****, which stated:The Clover Flex will be just $40 a month, leased to own.However, when I contacted the leasing department on August 26, 2024, to inquire about the payoff balance, I was informed that the contract was not lease-to-own but instead a balloon lease with payments of $35.51 plus tax for 48 months, with no ownership at the end. To terminate early, I was told I would have to pay $1,483.00 and return the device. This is completely contradictory to what was represented to me at the time of agreement.Attemp to Resolve:I have contacted First Data Merchant Services and Clover multiple times since September 2024 to dispute the misleading contract terms and request cancellation.Despite numerous calls and emails, I was repeatedly told that the matter was under review, with promised responses that were either delayed or never received.On December 20, 2024, I was offered an early buyout option of $479.10 if I returned the equipment. I requested written confirmation that this would fully satisfy my contract with no further charges.I returned the equipment via **** and provided the tracking number. Despite this, I continued to be billed, including a $47 charge on February 13, 2025, even after the device was received.On March 5, 2025, I was informed that my complaint was denied and that I remained liable for the lease. I was then told my only option was to pay $800 plus taxes to close the accountan entirely different amount from the early termination offer previously provided. I also was informed doing the call that a lease to own doesn't exist.

  Business Response

  Date: 03/10/2025

  Ms. ********,

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

  We do not show return of the equipment. Please provide the tracking number for your return. Also, confirm per the instructions your lease number was included in the return, and if a check was included for the buyout cost. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/10/2025

  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.
  
  
  Dear BBB Representative,
  I have reviewed the response provided by the business regarding complaint ID ******** and have determined that it does not resolve my complaint.
  For your reference, on February 04, 2025, I sent the following email to FDGL(*************************):

  
  Good afternoon,
  I am following up to confirm that I have returned the Clover device in its original condition and packaging to the address provided, as instructed by *** during our call on January 22, 2025. This follows up on my previous email.
  Attached are copies of the delivery receipt invoice, which include the device numbers, my MID#, and the **** tracking number for reference.
  As previously requested, please discontinue this contract and cease charging my bank account, as I was misinformed, which led me to sign a deceptive contract.
  Thank you for your attention to this matter. Please confirm receipt of this email and the cancellation request.
  Best regards,
  ************
  ******* Quick-********
  

  In addition, I have attached the following supporting documentation:
  A copy of the **** receipt confirming the return.
  A picture of video evidence showing that I wrote my MID# on the equipment description form inside the return box.
  Please note, I did not include any payments because I was in the process of returning the equipment as per the requested agreed terms.
  Given the information and documentation provided, I request that my complaint be resolved promptly by confirming the cancellation of the contract and ceasing any further charges. I remain available should you need any additional information.
  Thank you for your time and assistance.
  Sincerely,
  ******* Quick-********
  ************
  
  
  Regards,
  ******* Quick-********

  Business Response

  Date: 03/14/2025

  Ms. ********,

  We have reviewed your response, however, the documents you have stated are not attached. Please attached or you can email them to us at *********************** Please reference case number ********.
  A copy of the **** receipt confirming the return.
  A picture of video evidence showing that I wrote my MID# on the equipment description form inside the return box.

  Thank You, Fiserv

  Customer Answer

  Date: 03/14/2025

  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.
  
  Attached are documents 

   
  Regards,
  
  ******* Quick-********

  Business Response

  Date: 03/20/2025

  Ms. Quick-********,

  Thank you for providing the documents. We have noted the equipment as returned. However, final payment needs to be made to cancel the lease and stop the monthly payments. Please contact First Data Global Leasing at ************ to make arrangements for final buyout payment.

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/22/2025

  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.
  

  Dear ***** Representative,
  Thank you for your response and for confirming that the equipment has been returned. However, I require written clarification regarding the final buyout payment before proceeding. The payment that was offered to close out my account was $479.10.  I have already made 18 payments of $36.49, totaling $658.

  While I am not satisfied with how this contract was handled due to the deceptive practices involved, I am willing to proceed with the $479.10 payment under the condition that: This payment will fully satisfy the contract and lease, with no further financial obligations.
  I will receive a satisfaction letter confirming that my account is closed and paid in full once payment is received.
  

  Please provide written confirmation of these terms before I proceed with payment. I appreciate your prompt attention to this matter and look forward to your response.
  

  Best regards,

  ******* Quick-********
  

  
  
  
  

  Business Response

  Date: 03/24/2025

  Ms. Quick-********,

  A final payment of $479.10 will close the lease and stop any further payments. 

  Again, Please reach out to First Data Global Leasing for further information and to make payment 

  Thank You, Fiserv

  Customer Answer

  Date: 03/26/2025

  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.
  
  

  Dear *****,
  I have reviewed your response, and while I appreciate the clarification on the final payment, I would like written confirmation that upon payment of $479.10, my lease will be fully satisfied, and I will receive a satisfaction letter confirming the account is closed with no further obligations.
  I also want to ensure that no additional fees or unexpected charges will be applied after making this final payment. Please this confirmation in writing in your response  before I proceed with payment.
  

  Thank you for your assistance in resolving this matter.
  

  Best regards,
  

  ******* Quick-********
  
  
  
  

  Business Response

  Date: 03/27/2025

  Ms. Quick-********,

  As stated in our previous response, final payment will close the lease, this will release you of any further lease obligation. Once final payment is made a letter will be sent confirming the final payment was made and the lease is closed. Once final payment is made there will be no further payments. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/27/2025

  
  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. Thank you for your assistance and resolving this matter. 
  
  Regards,
  
  ******* Quick-********
  

• Initial Complaint

  Date:03/03/2025

  Type:Order 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.

  Complaint Against:Slice Merchant ******************************************* Date of Incident:December 31, 2024 Ongoing Issues with ********************** rep ******* and National Sales Manager *** assured me I would only pay $170/month for equipment, with no additional fees.Pressured to sign before year-end with a verbal promise of easy cancellation.Later discovered hidden fees:$16/month (Slice)$210/month (Clover, never disclosed)$9,435 cancellation fee (not disclosed at *************************** Issues:January 13, 2025: Equipment installed, but ******* lacked setup knowledge.Provided incompatible printer, and no resolution followed.Incomplete menu setup, causing a week of lost ********** card system failure resulted in financial lossesSlice support advised discarding existing gift cards.Transactions batch at 6 PM EST, disrupting accounting during peak hours.Attempted *********************** Charges:February 28, 2025: Told that paying $8,550 and returning all equipment would close my account.Followed all instructions, including factory reset to prevent further charges from a subscription service never disclosed in the contract.March 2, 2025: Despite compliance, $79 was deducted from my bank account for undisclosed service fees.Request for Resolution:Void contract without penalty due to misleading sales tactics and undisclosed fees.Refund unauthorized charges.Hold Slice Merchant ******************************************* accountable for deceptive business *************** Statement:As a disabled Army veteran, this process has caused me significant stress. It is unacceptable for companies to exploit small businesses with misleading contracts and hidden fees. I urge the BBB to take action to protect other business owners from these predatory practices.

  Business Response

  Date: 03/04/2025

  Mr. ********,

  Thank you for reaching out with the stated concerns. We would be happy to assist, however, no information has been provided to assist with locating your merchant account. Please provided your merchant number, business name, and business address. Once we can locate your account for review we will work on resolution. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/12/2025

  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.
  
  They are liars, I speak with the company daily and even on this paper I sent you, I called that number, and they agree that I have paid them money($8550.00 27 Feb 25) and completed everything they asked in reference to turning in all equipment, but even today they still took money out of my bank account(********* march 2025); so I called to ask why, and nobody knows at the company of how to resolve my issue. Once I call, they transfer me to another person, and then to another person, and then another person, with the promise that someone will call me back, and they never have called me back since January, and I call almost every other day. when i do talk with them, they will look up my account, based on the account that is illustrated on this paper, and they will verify my phone number and business address. Then I will ask why for continued charges, even though they admit that the account is closed. Then I am informed that the companies that all fall under the company umbrella and even in the same building as per their website of the corporate Hq in ********************. One of the companies that handles my account is *******************************************, and yet today another company that they transferred me too, is according to them merchant services LLC, which they want me to believe that it is a different company and yet they transferred my call to them, and they have my account number just like the person that I just spoke with. PLEASE help me with the company. Every day I check my bank account, and without disappointment they keep abusing us. Every time i speak with them, I have this overwhelming feeling that it is a scam company. 
  
  Regards,
  
  ***** ********

  Business Response

  Date: 03/13/2025

  Mr. ********,

  Thank you for providing the attachments. It appears your complaint is regarding your lease, number ***************, with First Data Global Leasing. The equipment was confirmed received on March 7, 2025. The final payment of $32.25 was made on March 5, 2025.  The lease has been closed and there will be no further payments. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/15/2025

  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, this is how their response is pathetic and not realistic.

  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, this is how their response is pathetic and not realistic.
  For A RECAP: 
  I am filing a formal complaint against Slice Merchant Services regarding deceptive business practices that have resulted in financial loss and operational disruptions for my business, **********. I request an official investigation into this matter.
  Summary of Complaint
  On December 31, 2024, ******* ******, a sales representative from Slice Merchant Services, visited my business to introduce a new *** (Point-of-Sale) system. She claimed it would allow me to pass credit card processing fees onto customers, reducing my expenses. The agreement included a $170 monthly payment for the *** terminal, credit card terminal, printer, and a kitchen display tablet. ******* and her colleague ***, who joined via speakerphone, emphasized the urgency of signing before the "end-of-year special" expired.
  Relying on their assurances, I signed the contract via DocuSign. Due to the limitations of reviewing the document on a mobile device,I focused on the $170 monthly fee, as no additional charges were disclosed.When I inquired about the 48-month term, *** explicitly stated I could cancel anytime without penalty.
  Undisclosed Fees and Issues
  After implementation, I discovered additional undisclosed charges, including:
  A $16 monthly fee from Slice.
  A $210 monthly charge from Clover.
  A $9,450 contract termination fee, despite verbal assurances that cancellation was penalty-free.
  Further issues included:
  An incompatible printer with my existing system.
  The *** system's incompatibility with my pre-existing gift card system, causing revenue loss.
  A batch processing time set to 6 PM Eastern Time, omitting transactions from my last two hours of business operations (Central Time),leading to financial discrepancies.
  An incomplete menu setup at installation, disrupting order fulfillment and customer satisfaction.
  Attempts to Resolve the Issue
  Efforts to resolve the situation have been unsuccessful due to:
  Unresponsive sales representatives (******* and ***), who failed to return calls for over five days.
  Contradictory information from customer service regarding charges and cancellation policies.
  A ******************** among Slice Merchant Services, FDMS,and Clover, making resolution difficult.
  On January 6, 2025, I requested contract cancellation and equipment return. *** (national sales manager), via ************ and in the presence of witnesses, assured me that returning the equipment would resolve the issue. However, subsequent communications with ***** revealed that the agreement was a non-cancelable lease, requiring the $9,450 termination fee.
  After we paid the $8,550 for termination or "buyout" of the account (as stated by FIserv), we returned all the equipment via registered and insured mail to their ********, GA warehouse as directed by Merchant Services, and received a letter confirming the closure of the account on February 27, 2025.
   We are still being charged for an obligation that has never been listed in any documentation. This fee is a $90.81 charge for merchant processing. The issue is that we only used this machine for three days in January.
   Despite terminating the account, Slice ******************************************* continues to draft my bank account.Nowhere in the contract did I agree to an indefinite charge, yet they persist in billing me even after account closure.
  ******************** representatives told me to uninstall all apps on device before returning equipment, if I did not I would be continually charged application service fees. And this information was not readily available or offered, they even stated once I returned the equipment I would still be charged even though no one offered to tell me to uninstall apps. Nor did they really know how, I just had to ****** it and found on reddit another business owner to do that, due to his experiences with this organization.
  Response from First Data Merchant Services
  In response to my complaint, First Data Merchant Services confirmed receipt of the returned equipment on March 7, 2025, and stated that my lease was closed, with a final payment of $32.25 made on March 5, 2025.
  However, this response is inaccurate and fails to address the ongoing unauthorized charges. I was charged $90.81 on March 11, 2025,despite receiving a letter on official Clover letterhead, signed by a ****** representative, confirming that my account was closed and no further fees would be taken from my bank account.  I am not sure where they get those monetary figures they speak of in their response.
  The companys failure to adhere to this written assurance raises serious concerns about their business practices.
  Connections Between Fiserv, First Data, Clover, and Slice Merchant Services
  This issue is part of a larger pattern of deceptive business practices involving multiple companies under the Fiserv umbrella.
  Clover was founded in 2010 and acquired by First Data in 2012.
  First Data was later acquired by Fiserv in 2019, making Clover a subsidiary of Fiserv.
  Fiserv is a major financial services technology company that owns and operates several payments processing brands, including Clover and First Data.
  Slice Merchant Services acts as an ****************************** (ISO), reselling Fiservs payment processing services while misleading small businesses about contract terms.
  By structuring their operations in this way, these companies create layers of complexity that make it difficult for customers to hold any single entity accountable.
  This enables them to engage in misleading sales tactics,impose unauthorized fees, and avoid responsibility for deceptive contracts.
  Failure to Address Core Issues and Ongoing Deception
  The response from Data Merchants is entirely inadequate and fails to address the critical concerns outlined in my complaint. While they confirm the receipt of returned equipment and closure of the lease, they completely ignore the deceptive business practices, unauthorized charges, and operational disruptions caused by their network of affiliated companies.
  Failure to Address Deceptive Business Practices
  At the time of signing, I was explicitly told by Slice Merchant Services representatives that I could cancel at any time without penalty. However, I was later forced to pay an $8,550 termination fee, which was never disclosed in my discussions with them. Data Merchants response fails to acknowledge or justify these misleading sales tactics, nor do they provide any explanation as to why such deceptive practices were allowed.
  Ongoing Unauthorized Charges
  Even after paying the termination fee and returning all equipment, I was still being charged a $90.81 merchant processing fee. Their response does not explain why this charge continued post-termination, nor does it state whether they plan to refund it. Nowhere in the contract was it disclosed that I would continue incurring fees after termination. The response does not clarify the legitimacy of these charges or provide any contractual justification for them.
  Failure to Address Equipment and Operational Disruptions
  The equipment provided was incompatible with my existing systems, causing significant business disruptions and financial inconsistencies. Their response does not acknowledge these operational issues,nor do they offer any resolution for the damages caused.
  Requested Resolution
  Simply stating that the lease is closed does not resolve these outstanding issues.
  I demand:
  A full refund of the unauthorized $90.81 charge.
  A formal acknowledgment of the deceptive sales tactics used by Slice Merchant Services and its affiliates.
  Accountability across all involved entitiesSlice, Clover,Fiserv, and First Datarather than allowing them to shift or deny responsibility.
  Regulatory oversight to ensure that these predatory merchant service agreements do not continue to exploit small business owners.
  Unless these issues are fully addressed, I will continue to escalate this matter to the appropriate authorities, including state and federal consumer protection agencies.
  Thank you for your time and attention to this matter. I look forward to your prompt response.
  Sincerely, *********** ******** ************************* response from Data Merchants is entirely inadequate and fails to address the critical concerns outlined in my complaint. While they confirm the receipt of returned equipment and closure of the lease, they completely ignore the deceptive business practices, unauthorized charges, and operational disruptions caused by their network of affiliated companies.
  Failure to Address Deceptive Business Practices
  At the time of signing, I was explicitly told by Slice Merchant Services representatives that I could cancel at any time without penalty. However, I was later forced to pay an $8,550 termination fee, which was never disclosed in my discussions with them.
  Data Merchants response fails to acknowledge or justify these misleading sales tactics, nor do they provide any explanation as to why such deceptive practices were allowed.
  Ongoing Unauthorized Charges
  Even after paying the termination fee and returning all equipment, I was still being charged a $90.81 merchant processing fee. Their response does not explain why this charge continued post-termination, nor does it state whether they plan to refund it.
  Nowhere in the contract was it disclosed that I would continue incurring fees after termination. The response does not clarify the legitimacy of these charges or provide any contractual justification for them.
  Connection Between Clover, Fiserv, Slice Merchant Services,and First Data
  Slice Merchant Services acted as the deceptive sales agent,presenting misleading terms and failing to disclose hidden fees.
  Fiserv owns Clover, which provided the *** system and was responsible for processing transactions.
  First Data Global Leasing (a ****************** is the entity that enforced the non-cancelable lease and charged excessive termination fees.
  Data Merchants is responding to my complaint but is ignoring how these companies work together to trap small business owners into predatory agreements.
  This web of affiliated companies allows each entity to shift blame, leaving business owners like me without a clear path to resolution. Data Merchants cannot claim that my concerns are solely about First Data ************** when all these companies played a role in misleading and financially harming me.
  Failure to Address Equipment and Operational Disruptions
  The equipment provided was incompatible with my existing systems, causing significant business disruptions and financial inconsistencies.
  Their response does not acknowledge these operational issues, nor do they offer any resolution for the damages caused.
  Requested Resolution
  Simply stating that the lease is closed does not resolve these outstanding issues.
  
  I demand:
  A full refund of the unauthorized $90.81 charge.
  A formal acknowledgment of the deceptive sales tactics used by Slice Merchant Services and its affiliates.
  Accountability across all involved entitiesSlice, Clover,Fiserv, and First Datarather than allowing them to shift responsibility.
  Regulatory oversight to ensure that these predatory merchant service agreements do not continue to exploit small business owners.
  Unless these issues are fully addressed, I will continue to escalate this matter to the appropriate authorities, including state and federal consumer protection agencies.
  
  Regards,
  
  ***** ********

   

  Business Response

  Date: 03/21/2025

  Mr. ********,

  Thank you for providing the additional information. 

  While these claims of "deceptive business practices" are unsubstantiated we have submitted to buy back the lease because the equipment did not work for you.

  There is an uncollected balance of $90.68. We are waiving the balance but no refunds will be issued. The merchant account has been closed as of 3/12/25. There will be no further merchant or lease billing. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 03/22/2025

  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.
  
  It is too early to accept their resolution; mainly because I got a notice that I had been sent to collections on the ***** and other charges, which I paid on the 19th of march.

  As for the buy back lease what does that mean? If it is a refund for all monies I have spent,($8550.00)

  I will  caution everyone and  myself as I just do not trust what this company says; Once I get monies returned and the collection off my credit, then we can discuss if I accept their so-called resolution. 
  
  Regards,
  
  ***** ********

  Business Response

  Date: 03/25/2025

  Mr. ********,

  What this means, as stated, is that we have waived the collection balance of $90.68. There is no balance due at this time. In regards to the lease, we have cancelled the lease agreement. You have no further obligation to the lease and will have no further payments debited. 

  Please let us know if you have any other questions. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/25/2025

  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.
  
  Its truly difficult to understand how your company operates. As shown in the attached documents, you issued statements on both March 6th and March 12th confirming that all payments had been made and all equipment had been returned. Yet, despite this, you then offered to complete the process by returning money that should never have been taken in the first placesomething that, in any other context, would be considered theft.
  Additionally, I find it highly concerning that all customer service numberswhether for *******************************************, Slice, Clover, or FDMSare linked to the same system, allowing transfers between departments. This setup resulted in a constant runaround, forcing me to spend several days a week just trying to resolve this issue. The entire process is confusing yet appears deliberately structured to take advantage of small businesses like mine, leaving us with no real recourse against such deceptive practices.
  From the beginning, your sales staff assured me I would only have one monthly payment. However, that quickly turned into four, with hidden fees that reveal the true dishonesty in your operations.
  Now, you offer me something I have already paid formy own financial freedom from your company. I have been subjected to unjustified fees, and a system designed to keep businesses like mine at the mercy of your policies. This is not just poor businessit is outright exploitation.
  

  If you really wanted to resolve this you would do what I have been asking return my $8550 for the equipment that I could not use and you even agreed with that as well, and the fees that were never supposed to be taken in the first place.

  I have more documents and even phone call conversations that prove this even further, please just return our money of $8550. 
  Regards,
  
  ***** ********

  Business Response

  Date: 03/27/2025

  Mr. ********,

  Your merchant account was opened on 1/2/2025 and closed on 3/12/25. The equipment was a lease which has been cancelled. We do not how the amount of $8550 that you are requesting was paid out on the account. Please provide the breakdown and statements to show the debits to your account for review. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/28/2025

  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.
  
  In the attached documents you will find my proof of my payment and the email that was sent to close account and make ***********************. Please explain what else you want me to demonstrate why I am just asking for this amount. Of all the people I have spoken with, email with, phone calls, chats online with, i have it all documented. 
  
  Regards,
  
  ***** ********

  Business Response

  Date: 04/03/2025

  Mr. ********,

  Thank you for your patience. We understand you had paid to cancel the lease. We are refunding the amount of $8558.52 back to you for the lease cancellation. Please allow 5-7 business days to see the deposit to your account. 

  Thank You, Fiserv

  Customer Answer

  Date: 04/03/2025

  [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. 
  
  Regards,
  
  ***** ********
  

• Initial Complaint

  Date:03/01/2025

  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 am filing a complaint against the company (Clover Network) as a result of repeated and regular deductions regarding my business daily income. Over the past two months this activity has consistently been going on with varying deductions occurring regularly. Despite my best efforts to receive an explanation from the company, I remain uninformed of any reasons behind this. I have made multiple attempts to understand the companys reasoning and have been calling frequently since the beginning of the issue. **************** representatives have been vague and unhelpful. The deductions made have been labelled under terms such as miscellaneous or account adjustment without any further reasoning. This inexplainable situation has been occurring regularly and has made a significant impact on the overall operations of my business. I would greatly appreciate the BBBs assistance in achieving a resolution to this matter.

  Business Response

  Date: 03/14/2025

  Mr. *******,

  Thank you for speaking with our agent on 3/11/25 to discuss the fees on your account. 

  We believe the complaint has been resolved as the conversation was able to address your questions and explain the fees. 

  If you still have additional questions please reach out at **************.

   

  Thank You, Fiserv

  
  

  Customer Answer

  Date: 03/14/2025

  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.
  
  [Please type your response here.]
  My issue with clover capital was not resolved as their agents could not answer my questions regarding all the money being withdrawn from my bank account and they gave me a 1800 number to follow up as they keep doing when they dont have an answer
  Regards,
  
  ***** *******

  Business Response

  Date: 03/17/2025

  Mr. *******,

  Thank you for following up.

  The account was paid in full as of 2/28/25. A refund is being processed in the total amount of $831.26 we have also stopped the withheld. An attempt to contact you on both ************ and ************ was made but we were unable to reach you or leave message.

  Should there be any further questions or concerns please do not hesitate to reach out.

  Thank You, Fiserv

• Initial Complaint

  Date:03/01/2025

  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 December 12th 2024 I realized I had fallen victim of fraud. Someone was able to acquire my banking information with the bank "Money Network" in which they accessed my funds and used up the entire balance of approximately 70 thousand dollars in seven days. I made this bank aware of my situation, aware of the police report I filed, and provided them with information/ evidence necessary to prove that I was in fact a victim of fraud. Till this date, March 1st, they have yet to compensate me or provide me with any timeline/ update of my case. They have left me on hold for countless hours at a time, denying me my rights. They have also closed my account without my consent. They have offered to open up another account with them while also denying me access to my funds. They never provided me the information nor documentation in which they made their decision about my disputes. They have been in denial of these actions and have not taken my rights nor the law into consideration. They have also made me feel as though I am not safe because someone out there has all of my information. They also failed to alert me that my money had been compromised and that someone was able to make purchases of ******** or more when Money Networks debit card daily limit is ********. (These scammers were using up almost ********* a day and not once was I notified. They have also failed to give me any updates on my case whatsoever. No timeline, no updates, nothing. They have also sent me checks in which I was given "provisional credit" however, they all ended up being voided by Money Network and I am still unable to access my funds. It has been multiple checks that they have sent.

  Business Response

  Date: 03/10/2025

  Dear Mr. *********** are sending you this letter to advise you that our January 7th, 2025, outcome notification regarding your
  dispute claim was sent to you in error. As we informed you in our December 13, 2024 letter, your claim has
  been denied because our investigation determined that the disputed transactions were in fact made with
  your knowledge, participation or consent. Attached for your convenience is a copy of that denial. Although we
  previously advised you of your rights under Regulation E, we will repeat that you have the right to request
  copies of the documents that we relied on in making our determination. As a result, we will not be sending
  you a check for the disputed sums. Please note, however, we have sent you a check for the remaining balance
  on your account in the amount of $1,092.50.
  We now consider this claim resolved and the matter closed. The provisional credit of $62,820.36 that was
  previously applied to your card account will be reversed/debited from your account. Please ensure funds are
  available in your account to accommodate the debit.
  

  Sincerely,
  Disputes Operations Department

  
  

• Initial Complaint

  Date:02/24/2025

  Type:Product 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.

  My Money Network Bank account was compromised right after it was opened by New ************************************ in October 2024, which prevented me from activating the account or accessing any funds.Despite this, I have not received the check for my account balance of $4,822, even though Money Network falsely claims to have mailed the check four times over the last four months through *****I did receive both the debit card and account closure notifications mails via **** from Money Network, which shows they have my correct address on file. However, Money Network has stated that the check is sent from a different location, and they are unsure why I havent received it, nor do they have the resources to investigate further.I applied for NJ FMLA due to the birth of my child. Over the past four months, I have had a very frustrating experience with Money Network, and there has been no resolution.I even offered to pay a fee for tracking the mail, but Money Network refused.I am requesting that Money Network provide proof of the mailed check, including the checks image and **** tracking number.

  Business Response

  Date: 02/28/2025

  Ms. Saldanha,

  Thank you reaching out with the stated concerns. 

  We are sorry to hear you did not receive the checks. We have cancelled the original checks and issued a new one for you. Tracking number 709694007711 shows package delivered Friday, 2/28/25 at 11:26 AM Signed for by: S.******.

  Please let us know if have any further questions. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/01/2025

  [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. 
  
  Regards,
  
  ******** ********
  

• Initial Complaint

  Date:02/24/2025

  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 handles the Debit Card payments for the State of California Unemplloyment (EDD) From 11/24/2024 to 1/5/2025 I received a four payments that went to their Debit Card Program. ,Everytime that I attempted to activate a card I was told the card was compromised before i event took it out of the envelope. In two instances thney forwarded a paper check to me. On a 3rd instance the card had fradulant charges on it. I receive the remaining balance on a paper check and went through their fraud **** to veryify the stolen amounts. On a forth instance, I was never able to activate the card As soon as I enter the card # and my birht date, the computer hangs up on me. They are holding $ 891 of my money. I want someone to talk to me.

  Business Response

  Date: 02/25/2025

  Mr. ******,

  Thank you for reaching out with the stated concerns. 

  Per our email conversation and your request on 2/25/2025 we have issued check number ********* for $364.57 to the address on file. 

  Please let us know if you have any further questions or concerns.

  Thank You, Fiserv

• Initial Complaint

  Date:02/22/2025

  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.

  This company closed my back account without any notice. When I called on 2/22 they said I had to provide documentation to prove who I was. I never received any such letter from them & had spoken by phone the week before when they locked my **************** ever mentioned this requirement. I have had this bank account for years without issue but suddenly my account is closed & any residual balance will be mailed in ***** business days. They have caused automatic payment to be denied & fees & a ding on my credit as they gave no notice of this & the letter they mentioned arrived hours after I called today to ask who requested my account closed. Taking someones hard earned money with no notice or justification shouldnt be legal.

  Business Response

  Date: 02/24/2025

  Ms. ****,

  Thank you for bringing your concerns to our attention; 

  As you are aware, your account was placed on a Compliance Hold on 02/13/25, per regulations laid out in the Patriot Act. The Customer Identification Program is a Provision of the USA Patriot Act, which includes therein the requirement of Financial Institutions to verify the identity of individuals wishing to conduct financial transactions, using Government issued Identification to verify the personal information provided.

  Below is the list of acceptable documents cardholders can submit for removing a Compliance Hold. Regardless of age, these requirements must be fulfilled prior to the removal of any Compliance hold. In order to have a Compliance hold removed, all cardholders must send the following (if you feel more comfortable you may send the item as an attachment through the BBB): 

  Two Primary IDs, or One Primary ID and One Secondary ID from the lists below:

  ID Type Acceptable ID Document List Primary IDs

  U.S. Passport

  U.S. Drivers license

  State ID (Identification del ********************** ID (includes U.S. Coast Guard IDs)

  Native American Tribal ID

  Matricula Consular Card  

  Work ****  

  Green Card (Permanent Resident Card)  

  NOTE: All Primary IDs must be un-expired and at least one must have a current address. If the primary ID the ********************** intends to send does not have a current address, the cardholder must send in one additional document from the list below.  Secondary IDs

  Utility Bill - must be tied to an address (i.e. mortgage statement, signed lease agreement, cable, home phone, etc.)

  Current Paycheck stub (Talon de cheque de pago actual) Social Security Card  

  Employment Authorization Card

  School ID card with photograph o Must be for current school year. If the date of birth is not listed on the school ID, also provide a copy of the birth certificate (this only counts as one form of ID).

  U.S. Citizen ID (Resident Alien Card)  

  Credit Card, Auto Loan or Home Mortgage Statement o A bill for a debt repayment from a financial institution, such as a credit card, auto loan or home mortgage, from within the last 60 days.

  School Report Card & Clinic, Doctor or Hospital ************ prospective cardholders who are under the age of 18, two additional forms of Secondary ID may be accepted (when presented with an unexpired government issued ID from the Primary IDs list). The School Report Card and Clinic, Doctor, or Hospital record needs to show (at a minimum) the Name of the Student and his/her address.

  If you have any questions please reach out to Money Network **************** for assistance. 

  Thank You, Fiserv
  
  

  Customer Answer

  Date: 03/06/2025

  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.
  
  I wasnt made aware that any additional information was required until after this company closed my account. I was given no chance to comply because no request was made of me. My objection is to the poor service level this company offers & the fact that they blocked me from accessing my money. I still have not received my money from my closed account.
  
  Regards,
  
  ***** ****

  Business Response

  Date: 03/11/2025

  Ms. ****,

  A compliance letter was mailed to you on January 30, 2025. The letter explains what needs to be done to avoid a compliance hold and the documents that need to be supplied with a ten business day timeframe. If the documents are not received the account is closed after the ten day missed deadline. In this case, because documents were not provided the account was then closed. Checks have been mailed for the available balance that remained on the account. 

  Thank You, Fiserv