I had the misfortune of speaking to the head manager at First American Payment Systems today. I have NEVER been talked to in such a manner before. My story, I was with my current processor for a little over a year when a salesman came in to sell me his credit card service. His rates were much lower but the main thing I need from a processor is next day funding as my cash flow has to go into the bank every day. He told me that is how they fund with the exclusion of Friday through Sunday which was fine with me. I cancelled my service with my current service being fully aware that there would be a cancellation fee which the NEW provider would cover. I had the new service installed on a Monday. When I called my bank Tuesday to check my credit card deposit, there was none. I promptly called my salesman to ask him what happened. He made a call, called me back and told me that they had LIED to him and that it was 2 to 3 days funding. I was livid. He then went to bat for me and took ownership with his company that he had sold the service to me that way because that was what he was told so why has it changed? They told him the manager that told him to sell it that way had been fired for LYING. Obviously, I was going to leave this service immediately and go back to my original service. I sent back the equipment with a letter stating that why I was leaving so soon as the service was completely misrepresented. (I also talked to everyone possible there to get this changed but to no avail). The service I was with for 2 days continued to take money out of my account. I allowed it for the first month as I owed them 2 days service but then instructed my bank to stop all further payments to them. Now, last week, I received a letter from First American Payment Systems stating that I owe them $652.00. I received this letter 2 weeks ago. I promptly called them, left 2 voicemails to return my call (which they didn't) and now I have received a 2nd letter stating a FINAL DEMAND since I have not responded which is not true. I have responded. They have not responded back to me. This brings me to my call this morning. I got the manager Sandra on the phone. I started by telling her that I need to know what this charge is for since I was with 2 different processors in a short amount of time. As I went on to explain it to her, she cut me off immediately, talked over me, told me she wasn't my shrink... Didn't care what my story is... I'm a debtor... Etc... When I told her NICELY that I wasn't trying to explain my whole story to her but that I needed clarification on who this was with... She told me she just needed to know if I was going to pay the debt. She wouldn't let me talk. Then she hung up on me. I've never been treated in such a manner and I have the right as a consumer to have PROOF of a debt and where it is actually coming from. I am forced to speak to her as she is the big boss there so this is not over. Consumers have rights too and I know they are not allowed to speak to you like that. I think the whole credit card system is all bottom feeders with no regard for people at all. This is not over yet and I will be reporting them to BBB. They are the worst!
0 comments