I signed up with United Payment Services on July 22 for a merchant account. At first I thought they seemed very professional and seemed to explain the contract in detail and answered any questions I had. I was informed by Rick Eskin, the new accounts manager, that I would only be charged $20 a month. I asked him relentlessly if there were any other fees, such as set up fees, PCI charges, early termination fees, etc and was told by him that there were none. As a matter of fact that is what attracted me to them.
Imagine my surprise a month later when I find out that they took not $20 from my business bank account, which was the amount we agreed upon, but instead took $123.99. I filed a dispute with my bank immediately and the money was returned to my account.
I called United Payment Services to close my account and talked to Corey, in collections to ask why I was being charged such an astronomical amount. He stated that they were now charging a PCI charge, as well as other hidden fees, something they failed to inform me about on my statement. He told me that he could drop the price down to $80 a month, which is something I refused to pay since that was not a part of the original agreement. I told him that according to Rick I would not have to pay a PCI charge when I signed up for their service, I was also not told about the hidden charges, and I want a copy of my contract. He said he would email it to me. I never received it. After calling again to ask why I never received it I was told it would be mailed to me. I finally received it after three weeks. However, it was not the same contract I had signed. This one had PCI charges as well as various hidden fees that I was never aware of.
I called Corey and informed him that I wanted to close the account. He stated that my account would be closed due to non payment anyway. I asked if there would be an early termination fee and was told that once the account was closed they would then discuss that with me. I once again informed him that when I signed up for their service I was told by Rick that there were no early termination fees. Once again he said we would work something out after my account was closed.
A month later I get a letter from a collection company, CRF Solutions, stating that my account with United Payment Services had been turned over to them and that I owed them $399.00. After numerous threatening and harassing phone calls and letters from Lisa Shields, their Collection Representative, I am now being told that I owe $621.90. I have been in contact with Lisa and am now disputing the charges as I feel that United Payment Services misrepresented their company when I originally signed up for their service.
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