United Bank Card
False collections pracise, threatening

These people also threaten me. I made a contract with CDGCommerce, but now its out that somehow this United Bank Card Company is also involved. They did not correctly install the payment platform, which resulted in failed PIN transmission. And it turned into chargebacks. Now they claim 2,050 from me. However, based on regulations I am not liable for these chargebacks, but they refuse to listen and also put me into TMF. When I tried to resolve the issue and pay (even I did not have to) in order to be removed from the TMF (they even emailed me a promissory note) they took the funds and changed their mind about TMF once they received the funds. So I disputed the charge with my bank and it was reversed.

Another interesting facts is that when i received these chargebacks and i tried to get needed information to reverse them (CAVV, ECI values), they made up new reason code 38, and everybody in that company insisted and tried to convince me that it is not 83 but 38, and I have no PIN protection rights, but when i checked RC38 i found it that it does not exist, I still have the proof. Later on when they figured out I am recording every action they do, they started to hide from me and ignore, i had to wait for hours to get a response and they just disappeared.

These people also refuses to communicate and reverse the consequences because of their actions.

So I am getting faxes from United bank card and some Williams, Cohen & Gray, Inc.:

This is to inform you that United Bank Card intends to take the following action against you:

1. File a complete derogatory rating on your credit report in reference to this debt.

2. Commence a civil lawsuit again you personally as guarantor, as well as against the business entity seeking to recover the full amount due, together with attorney's fees, interest, collection fees, costs, and disbursements, which United Bank card is entitled to recover pursuant to the express terms of our merchant process agreement. Williams, Cohen & Gray, Inc. Is to act as our agent in all matters to these regards.

3. Commence criminal proceeding for criminal fraud and/or theft for failure to respond to chargeback requirements and return funds to card holers who charged back transactions through your merchant account.

I have contacted the Federal Trade Commission, BBB and they stated that this company has countless complaints regarding this type of business practice.

I am going to file a lawsuit against this company as well as against that collection agency as well.

Company: United Bank Card
Country: USA
State: New Jersey
City: Clinton
Address: Clinton, New Jersey, 08809

  <     >