April.. Opened a new merchant account for my company. Signed a 3 page fax with Chad Henderson (agent for Cardservice). Paid $295 set up fee. When I got my first bill, there was a mistake so I called Cardservice and they said; "You signed the contract". I said no, I didn't sign anything like what you are describing. I asked them to send me the contract they have on file, so they sent me a ONE page signature page, and a 52 page book. I called an told them I didn't sign a 52 page contract, and the signature page they sent me was not the same I faxed to Chad Henderson. They told me that's the agents fault and I have to go through him. Mr. Henderson blamed the corporate office. They were passing me back and forth avoiding the issue, and they told me they would continue charging me. Mr. Henderson made it a point to tell me Cardservice is run by the largets bank and this is how they do things. I did not use my account yet, except for one. 50 cent transaction Cardservice told me to make to test to make sure the account would work. To this date, other than the initial test, I refused to use the account until Cardservice made the contract right. May 6, I filed a complaint with my bank that Cardservice was accessing my bank account without authorization, pending the contract issue being taken care of. My bank advised me to change my account number because they were not able to block Cardservice. I did change the number. May 28 - I called Mr. Henderson's regional manager, Matt Oshea, and complained again. Matt got upset with me and told him they do this all the time. June 6 - Received a letter from Cardservice informing me they were not able to withdraw money from my account (even though I told them I was changing accounts until they dealt with the contract issue). They charged me an additional $75 and said it was because of non sufficient funds. I called their collenction department and explained the problems I'm having. I talked to Corrine. She told me Cardservice cares about their customers and wanted me to get this fixed. She asked me to fax her my complaint and the contract I signed. I waited 8 days and didn't hear back from her. Jun 28 - I received another letter from Cardservices saying I didn't respond to their last letter (the one I sent a response to Corrine) and cancelled my account, charged me $300 plus $75 and sent it out to the Credit Bureaus. I called the same day and asked to speak to Corrine. They said she was no longer with their department and Cardservice switched to a new collection agency. They said I had to call all of the extentions until someone picked up the phone. Finally, someone answered and he said he couldn't help. I had to put a voice message in some person's office and have not heard anything. I asked for my deposit back because I have not used the account and I said I am not doing business like this with anyone. They are refusing to return my calls, and now I don't know what to do to get my money back, and to get the durogatory remarks out of the Credit Bureaus. This is not an issue of non sufficient funds. This is an issue over a contract change without my authorization. I did not sign the contract they are saying I signed. I have proof of 2 different contracts. One I signed, and one they sent to me saying I signed, yet my signature is not on their copy. They took my signature page, added to it, then put it with the corporation's contract which is different from the agent's contract. Domestic JungleGray, Georgia
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