Argus Merchant Processing

Merchant account was being placed on hold by Risk deptfrom 06/***07/**, due to cash advances violation, which pertained to transactions ran on 06/ [redacted] and 06/**, one in the amount of $and the other $According to card brand rules and regulations, merchant is prohibited from making cash disbursementsMerchant is required to provide supporting documents for some cash advances related transactions run for the past months for further review of this merchant account and release of funds heldShould merchant needs additional assistance, please reach out to ###-###-####

Please see attached for the contracts The sales rep never forces anyone to sign up any contracts we (argus merchant services) never charged any annual fee or early termination fee When [redacted] signed up with us, the [redacted] clearly stated that he didn’t have to pay Early termination fee to his old processer, thus we promised him lowered ratesLater he found that his old company charged him $for Early termination fee, and he wanted us to pay for himObviously this is impossible, we told him it’s up to him if he wants to stop processing with us We CANNOT close accounts, unless we have received the terminalThe terminal was received at the beginning of march, and we closed the account on march ***, So we still charged him the monthly fee for march, this charge appears on his april bank statement As long as the account remains open, we charge him a minimum fee, to cover the costIt is his fault that he didn’t return the terminal in timeAnd it’s his own decision to leave the account open for a few months [redacted]

Argus salesman Robby in Florida approached me about a year ago claiming he could lower my merchant services credit card processing for my cafe businessThe saving were supposed to be significantI told Robby that I had just finished paying off my POS (cash regisher) and as long as he could use that I was interested in saving moneyRobby said the POS is hard coded or keyed to only work with my current service and I would need a new oneTo which I laughed and said yeah haha how much is your new POS id also have to pay off while I was saving money thereby offsetting my savings and actually costing me more moneyI was happy with my current POS it was a state of the art new systemHe said the best thing about Argus is that we dont even charge you for your POS we just give you one and the best thing about that is when a new version is released you will automatically get the latest and greatest version at no cost to youSo I said OK and I was told when the new device came he would help me input my menu and pricingThe dinky ridiculous thing came and it sat here in the box for months while I waited for his help inputting the menu as he promisedMonths passedMeanwhile they had started billing me $a month!?! I would get the bill and there was nothing processed the POS was still in the box and Robby was MIAI called and he came by and finally said after about three months he had a death in the family blah blah blahI told him this POS isnt going to workHe said he can get me my exact unit or even something better with a kitchen displayIts brand new state of the art he saidI said ok but I really dont like doing business with people who drop the ball and go MIA for three monthsHe assured me he would not do that and he was here to helpIn fact he would make sure my account was credited for the last four months of $billing and my new POS would ship right awayThe unit came and it was a BETA version software that had not been road tested whatsoeverLong story short it crashed about in orders when I would hit the payment button the thing would crash and I'd have to reenter the orderThis left my staff in tears and my customers fuming madI lost a lot of business while I tried to get this inoperable piece of crap to work and after a week I gave upSo I called Robby and said this is not going to workI am not going to be your test user and pay top dollar for thatOh and by the way this unit was not free as promised they had begun charging me about $a month for the new POS that didnt work PLUS I had not been credited any of my past $charges while I waited for a working POSLong story short I was charged about $in total for thisThe POS was shipped back and luckily I saved the tracking numberSo a few months go by and I see they are STILL charging me a every month for this unitAt this point Robby is back MIA and I am trying to get credited for the chargesI called the home office in NY and was asked to prove the POS was sent back which I did and they agreed after much threatening to return two months of the $service fee but they would not remove the charges for my supposedly free POS or the other remaining months of service feesAnother month goes by AND MORE FEES!!! I was told they would not charge me anything else as I had said they breached the contract and I did not want to do business with themLong story short the whole process to about months and finally this month is the fist month without any feesI am out several hundred dollars and I lost a lot of business during the week I attempted to use their BETA version POSOverall this was one of the worst experiences I have ever had dealing with any vendorI highly recommend you do not do business with these crooks!

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Argus Merchant Processing refuses to explain me which part of the contract did I violateRepresentative from the [redacted] bank also was asking Aurora to explain this but she couldn'tWe were asking to send it to us by fax or by email, but they refusedThey are holding my money now for daysAlso the amount which they had to transfer for transactions is differentMoney just disappearing and the company is not explaining why and whereI need all the explanation on papers [redacted] bank is stating that I didn't violate anything, the company couldn't explain to the representative the violationViolation is going from their side, they are holding my money, what the can not do In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Hi [redacted] ***, I am sorry for the inconvenience you have experiencedIf you were to give us another opportunity we would most certainly make sure that the pricing is cheaper then our competitors and work out all the details Of course that would mean waiving the fees (cancellation fee and terminal fee as well)Also I would like to thank you for bringing bad customer experience that you had, as we will take disciplinary actions We would be able to reopen your account which will take 24-hoursI believe you still have the terminal that you can still use and the pricing will be dropped to match what you have been promisedIf you are still not happy we would cancel the account without any questions and no Cancellation Fees In regards of the Early termination fee of $I am attaching the statement to show you that the cancellation is only $and $is the fee for the terminalIf the terminal is returned this price will also be waived If you have any questions do not hesitate to contact me at ###-###-#### Ext [redacted] so we could work it out

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] My account was closed on This company Argus still holds my moneyThey deliberately wasting timeMore than month they have been holding my money even though it is not a risk to the processor In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

In response to merchant's inquiries:
Merchant is required to provide supporting documents for some cash advances related transactions run for the past months for further review of this merchant account and release of funds heldSo far, no documentation has ever been receivedShould merchant need to speak with Risk dept., please call ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been
resolved because:As of today, No refund has been issued nor account been closed by Argus, the person handling this case promised me of all the refund which includes the most recent charge of $reulting the total refund amount of $and account cancellation after I've withdrawn my complaint, but none of these promises were made in writing, so for my our security I request the company make such promises in writing on Revdex.com before I can withdraw my complaint
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Since we have already sent back terminal and switched back to our previous credit card processor company, we will chose refund offer and not service renewal offer.
Unfortunately, the Argus refund offer does not explicitly mention what amount they are willing to refund. The options are 1)just the cancellation fees ($790) or 2)all of the fees ($840.09). We believe that these other fees of $50.09 were incurred after October [redacted] (the day we informed about service termination). These other fees are:[redacted]
Since, there was no written contract in the first place that would mandate valid methods through which service could be terminated, we suggest that effective service termination date should have been October [redacted] when we called and informed Argus Merchant Services about service termination fact.
Sincerely,
[redacted]

Please see attached for the contracts 1.     The sales rep never forces anyone to sign up any contracts. 2.     we (argus merchant services) never charged any annual fee or early termination fee....

3.     When [redacted] signed up with us, the [redacted] clearly stated that he didn’t have to pay Early termination fee to his old processer, thus we promised him lowered rates. Later he found that his old company charged him $500 for Early termination fee, and he wanted us to pay for him. Obviously this is impossible, we told him it’s up to him if he wants to stop processing with us. 4.     We CANNOT close accounts, unless we have received the terminal. The terminal was received at the beginning of march, and we closed the account on march [redacted], 2014. So we still charged him the monthly fee for march, this charge appears on his april bank statement. 5.     As long as the account remains open, we charge him a minimum fee, to cover the cost. It is his fault that he didn’t return the terminal in time. And it’s his own decision to leave the account open for a few months.   [redacted]
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Revdex.com:
I have reviewed the response made by the business directly to me by phone and email in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,...


[redacted]

Spoke directly with the customer over the phone.
The complain has been resolved.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

On 12/**/2015 we filed a complaint on Revdex.com against Argus Merchant Services and asked for Early Termination Fee refund (Complaint ID [redacted]). Argus Merchant Services agreed to refund all ETF related fees. However, it has been more than a week and: 1. we still haven't received the refund 2. we haven't received any calls from Argus Merchant Service showing that they are working on the settlement 3. when we call Argus Merchant Service no one there is aware of this "refund settlement" and they say that they can't do anything for us 4. Jacob Shimon (the President of Argus Merchant Services) who responded to our previous Revdex.com complaint and made the settlement offer is unreachable through his 314 extension that he left. Also, he is not responding to voice mails that we left. Since we are back in square #1 we are attaching our original complaint letter and response letter from Argus Merchant Services: Argus Merchant Services sales persons (a group of 3 girls) came to our Beauty salon around September [redacted] to convince us to switch from our current credit card processor company to Argus Merchant Services. They asked us to provide our bills from previous months with our other Credit Card Processor. After inspecting our bill they promised that our monthly credit card processing fees will be lower by $15-$20 with them. They also promised that they have one month risk-free trial period during which we can cancel service for free so we don't have anything to fear. However, their service turned out to be $70 per month more expensive than with our previous credit card processor company. Basically sales person was misleading us. Note that the amount of money we made from August to December was same. Since their advertised product did not live up to their promises we decided to terminate the service by calling them and writing official termination latter within this month period. However, one day we noticed that they had charged us $840. After calling them they informed us that this is Early Termination Fee. Again this is complete opposite to what their sales representative promised to us at the time we signed up for the service. We have done research on Internet and it seems that we are not the only ones who have encountered exactly the same problem with this company where it misadvertises its service and promises free trial, then underdelivers and makes its potential customers want to switch back to the old provider; and then they make money by collecting really harsh early termination fees that they charge without getting proper authorization. Here are few places we have found bad reviews that exactly match our case: 1)[redacted])Other review on Revdex.com Also, when calling their customer service they verbally admitted that, there is a free trial period. However, for them to be able to waive the ETF that they have already charged we would need to remain their customer for 2 extra months. Since we found these terms unreasonable we asked them to send us a copy of documents signed by us that would require us to extend the service term. Then sales person abruptly hanged up the phone. After calling back again they told us that there is nothing they can do now because we don't agree to extend service for 2 extra months. The response from Argus Merchant Services: Hi [redacted], I am sorry for the inconvenience you have experienced. If you were to give us another opportunity we would most certainly make sure that the pricing is cheaper then our competitors and work out all the details. Of course that would mean waiving the fees (cancellation fee and terminal fee as well). Also I would like to thank you for bringing bad customer experience that you had, as we will take disciplinary actions. We would be able to reopen your account which will take 24-48 hours. I believe you still have the terminal that you can still use and the pricing will be dropped to match what you have been promised. If you are still not happy we would cancel the account without any questions and no Cancellation Fees. In regards of the Early termination fee of $840. I am attaching the statement to show you that the cancellation is only $495.00 and $295.00 is the fee for the terminal. If the terminal is returned this price will also be waived. If you have any questions do not hesitate to contact me at ###-###-#### Ext [redacted] so we could work it out.
As a minimum, refund of early termination fees - $790. However, to truly settle on this we would appreciate refund of $840, because besides $790 ETFs we were charged extra $50 just because Argus Merchant Services customer representative insisted that we should wait for them to send us over regular mail termination notice template that we have to fill and then send back. Basically, this artificially postponed service cancellation day in their system and resulted in extra $50 just because service cancelation over phone was not accepted. We find this comical because their sales person advertised service as "no contract" and easy to get in and get out under the "risk-free trial".
 
Sincerely,
[redacted]

Merchant account was being placed on hold by Risk dept. from 06/[redacted]07/**, due to cash advances violation, which pertained to 2 transactions ran on 06/** and 06/**, one in the amount of $4300 and the other $5700. According to card brand rules and regulations, merchant is prohibited from making cash...

disbursements. Merchant is required to provide supporting documents for some cash advances related transactions run for the past 6 months for further review of this merchant account and release of funds held. Should merchant needs additional assistance, please reach out to ###-###-####.

Argus salesman Robby in Florida approached me about a year ago claiming he could lower my merchant services credit card processing for my cafe business. The saving were supposed to be significant. I told Robby that I had just finished paying off my POS (cash regisher) and as long as he could use that I was interested in saving money. Robby said the POS is hard coded or keyed to only work with my current service and I would need a new one. To which I laughed and said yeah haha how much is your new POS id also have to pay off while I was saving money thereby offsetting my savings and actually costing me more money. I was happy with my current POS it was a state of the art new system. He said the best thing about Argus is that we dont even charge you for your POS we just give you one and the best thing about that is when a new version is released you will automatically get the latest and greatest version at no cost to you. So I said OK and I was told when the new device came he would help me input my menu and pricing. The dinky ridiculous thing came and it sat here in the box for months while I waited for his help inputting the menu as he promised. Months passed. Meanwhile they had started billing me $50 a month!?! I would get the bill and there was nothing processed the POS was still in the box and Robby was MIA. I called and he came by and finally said after about three months he had a death in the family blah blah blah. I told him this POS isnt going to work. He said he can get me my exact unit or even something better with a kitchen display. Its brand new state of the art he said. I said ok but I really dont like doing business with people who drop the ball and go MIA for three months. He assured me he would not do that and he was here to help. In fact he would make sure my account was credited for the last four months of $50 billing and my new POS would ship right away. The unit came and it was a BETA version software that had not been road tested whatsoever. Long story short it crashed about 1 in 4 orders when I would hit the payment button the thing would crash and I'd have to reenter the order. This left my staff in tears and my customers fuming mad. I lost a lot of business while I tried to get this inoperable piece of crap to work and after a week I gave up. So I called Robby and said this is not going to work. I am not going to be your test user and pay top dollar for that. Oh and by the way this unit was not free as promised they had begun charging me about $150 a month for the new POS that didnt work PLUS I had not been credited any of my past $50 charges while I waited for a working POS. Long story short I was charged about $1000 in total for this. The POS was shipped back and luckily I saved the tracking number. So a few months go by and I see they are STILL charging me a every month for this unit. At this point Robby is back MIA and I am trying to get credited for the charges. I called the home office in NY and was asked to prove the POS was sent back which I did and they agreed after much threatening to return two months of the $50 service fee but they would not remove the charges for my supposedly free POS or the other remaining months of service fees. Another month goes by AND MORE FEES!!! I was told they would not charge me anything else as I had said they breached the contract and I did not want to do business with them. Long story short the whole process to about 11 months and finally this month is the fist month without any fees. I am out several hundred dollars and I lost a lot of business during the week I attempted to use their BETA version POS. Overall this was one of the worst experiences I have ever had dealing with any vendor. I highly recommend you do not do business with these crooks!

Hi [redacted],
I am sorry for the inconvenience you have experienced. If you were to give us another opportunity we would most certainly make sure that the pricing is cheaper then our competitors and work out all the details. 
Of course that would mean waiving the fees...

(cancellation fee and terminal fee as well). Also I would like to thank you for bringing bad customer experience that you had, as we will take disciplinary actions. 
We would be able to reopen your account which will take 24-48 hours. I believe you still have the terminal that you can still use and the pricing will be dropped to match what you have been promised. If you are still not happy we would cancel the account without any questions and no Cancellation Fees. 
In regards of the Early termination fee of $840. I am attaching the statement to show you that the cancellation is only $495.00 and $295.00 is the fee for the terminal. If the terminal is returned this price will also be waived. 
If you have any questions do not hesitate to contact me at ###-###-#### Ext [redacted] so we could work it out.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]
My account was closed on 07/**/16. 
This company Argus still holds my money. They deliberately wasting time. More than 2 month they have been holding my money even though it is not a risk to the processor.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Argus Merchant Processing refuses to explain me which part of the contract did I violate. Representative from the [redacted] bank also was asking Aurora to explain this but she couldn't. We were asking to send it to us by fax or by email, but they refused. They are holding my money now for 5 days. Also the amount which they had to transfer for transactions is different. Money just disappearing and the company is not explaining why and where. I need all the explanation on papers. [redacted] bank is stating that I didn't violate anything, the company couldn't explain to the representative the violation. Violation is going from their side, they are holding my money, what the can not do.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

DONT TRUST THIS COMPANY CAUSE THEY ARE SCAMMERS AND MONEY STEALERS! they have alot of hidden costs. I can relate to alot of the bad reviews.

Review: We are a restaurant, and Argus provides our merchant services. On October **, 2015 the credit card terminal that was provided by Argus crashed. It was around 7pm, and from that time we could not process credit cards by the machine. From that time we took credit card information by hand. After calling the company, I was told to pick up a new terminal the next day.

1)We were given the new machine but not given sufficient instruction on how to use it. No one ever came to the restaurant to provide customer service.

2) More importantly, the credit cards that were swiped before 7pm, Oct. [redacted] have never been processed to our bank account. Almost $900 in sales have been "lost." I was promised that they were working on it and that someone would call me back, but nothing has happened. I am calling the business phone and our representative, and neither answers the phone.Desired Settlement: Contact by the business.

Process the money owed to us.

Consumer

Response:

I have reviewed the response made by the business directly to me by phone and email in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,