Electronic Payment Systems

STAY AWAY!!!! Either they have employees that are untrained/incompetent or they are theives. After multiple people called within minutes of one another having no idea that otheres were calling from the same company. They don't want to tell you why they are calling. The person they are asking for has not been part of this company since 1995. Then then want you sign up and give them your banking information. When you call back its a dead line ***. Recieved calls at 11:14 11:16 11:17 11:18 and 11:21 all from difffernt people at this company. We used a similar company in the past and fraud was commited to greater than $10,000. Either the company needs retrain their employees or the company is trying to scam businesses.

If I could leave a no star I would. This company is a scam at best. I left a processor of 15 years over promises from a sales representative Benjamin Bolin (plus two others Joe and AJ) of lower fees, better service and better processing machines. Al of which were false and out right lies. In the confusion of a busy business day I made a poor decision to switch over not realizing I was signing up for a (48) month equipment lease with Ascentium Capital reguardless of processing being approved for the 48 month period. Long story short, our processing was shut down after 30-40 days over one charge from a regular customer that he forgot the card on file in our system was reported stolen. EPS could no longer get a credit card processor to sign up with us at that point and told me too bad that I should not have ran the card. Now we are trying to get out of a (48) month contract for the machines. What a scam!

After contacting EPS in December of 2017 over the phone I informed them that their services where no longer needed and please close all accounts and contracts due to no longer being in business and I was now disabled and unable to work. It was to my understanding that this account *** was closed effectively on that date per phone call. After several months of being hospitalized I realized my son was being harassed from EPS. EPS claims the business had a contract for two years and that they are seeking collections from *** for the early cancellation on the contract. Our Son *** took over the business in January 2018 and changed the name to *** L.L.C. They continued to call and harass him and even took money from his business acct. claiming he was under contract. He tried explaining to them that he was a new business and that he had no contract with them. They stole money from his account thinking it was ours. He had to cancel his bank account and reopen a new account to stop their automatic debits.

EPS now has Midwest Fidelity Services trying to collect $1180.40 for services that were not used and claiming it's charges are for the early termination of contract with ***.

Stay away from this company!! We are currently trying to cancel the service and it is nothing short of a nightmare. Nicky the manager is rude and has zero customer service skills. She spoke to my office manager in a horrific manner. If you want to be treated like dirt and took advantage of this is the company for you.

EPS has been the most deceptive company that I have ever done business with. I opened a merchant account with them only to discover the sales rep lied through his teeth about everything and I could not cancel the contract. I have not used them for years but they continued to take fees from my account, sometimes 4 times a month and one year they took out 3 $99.50 that was supposed to be once a year. When I complained they wanted me to supply all my bank statements to show what they have taken out. Then they wanted me to pay them off to close the account out. The FTC is already dealing with them on other issues. Stay away from EPS and save yourself a lot of trouble and worry. Larry ***/

Stay clear from this company. They have continued to charge my account hundreds of dollars for services which were cancelled over a year ago. Many emails and disputes and they are still charging my account. Extortion!!!

I closed my brick and mortar store August 1, 2017. I was currently using EPS to process credit transactions. I called to discontinue services and I was told that I still had a year left of contract left and that I would have to fill out their cancellation form and re-email. I did so and never noticed that they put 2019 as date for contract to be ended. I have paid for services for an additional year but I receive no services as the business is closed. I called several times this year as I was concerned that I was being charged three times a year 92.00 each time for PCI authentification.I was told my contract would end in August. When I noticed that I was still being charged I called up EPS, it was the learned that they had sent me a cancelation letter with a 2019 timeline even though they had told me one year. Also when I called, the manager told me I had signed a two year contract , which would have meant instead of cancellation I was baited and switched into signing a new contract. Eps has been automatically withdrawing 45.00 a month plus the PCI charges. I tried to contest with my bank but because it was business to business, they would not intervene. However they told me I should not be paying for services that I am not receiving. I have tried to reason with EPS, but they refuse to let me out of my contract.

Hi

My Name is ***, I took Electronic Check service from Fusion on June 2017, They shut my service with them after holding my funds which is approx $7000, they promised me that they will release the funds on February 2018, but still they haven't release the funds, I tried contacting them multiple times, but they are not responding to my email and calls.
A person by the name Mike m*** was suppose to handle my case and release the funds on February, now he is not responding to my email and calls.
EPS Fusion Agents have a very Pathetic service and doing fruad by holding the funds and not releasing the hold funds as per there policy.
It's an online fruad which is going on, Initially they said there servuice is very good and they always release the funds on time, which they never did, and after couple of months they shut us down our account with them and stated they the funds are on hold with them for 6 months, so we they can't release the funds until then nor we can process any payment on there merchant account, I agreed with them and did wait for 6 months, now they are not releasing the funds nor responding to my calls and emails.
Need someone to take a strict action againg this and get this issue resolved.

URL:- https://www.fusionagent.net/
Address:- 6472 S. Quebec St.
Englewood, CO 80111
Contact Number:- 800-863-5995

I HAVE TRIED TO CANCEL MY CONTRACT WITH THIS COMPANY AND THEY HAVE AN UNREALISTIC POLICY OF MANDATING THAT A CANCELLATION LETTER SIGNED AND MAILED 90 DAYS BEFORE THE CONTRACT IS UP OR IT AUTO RENEWS. I FINALLY GOT IT CANCELLED WHICH IT WILL END IN 7 MONTHS ON 3/12/2018. I CALLED TO PERFORM A PAY OUT TO END IT EARLY AND THEY SAY IN ADDITION TO THE $12.95 PER MONTH FOR 7 MONTHS WHICH COMES OUT TO $90.65 THEY ARE NOW SAYING I OWE A BUNCH OF OTHER FEES THAT MAKE IT COME OUT TO A GRAND TOTAL OF $389.15. IT IS RIDICULOUS TO PAY FEES FOR A SERVICE I DO NOT USE. THEIR CONTRACT SAYS THAT THEY CAN CANCEL ME AT ANY TIME BUT I CAN NOT CANCEL THEM WITH OUT A 90DAY NOTICE. THEY HAVE RECORDS THAT I HAVE WANTED TO CANCEL SINCE 2015.

processed payments through EMS over 1 year ago and EMS has repeatedly refused to release funds being held in a reserve account. Per the signed merchant agreement, funds were to be released several months ago but the rep we have been working with has refused and is unresponsive to our contact attempts.

I have included a detailed description of correspondence and deception on the part of EPS.

December 4th, 2017 - First communication with EPS in regards to a reserve release and a support ticket created.

April 5th, 2018 - Communication with Mike M documents first deceitful email communication.

April 5th - Emailed Mike M the updated bank account information per his request.

- The updated bank account information was emailed again on April 10th and April 19th due to no response.
- Between April 5th and April 19th, at least 5 voice mails were left for Mike M with no response.

April 19th - Mike M emailed that he had received the updated banking information and that the account was in review. Mike misinformed that the reserve would be released soon.

May 1st - Mike M emailed that he was still waiting on one more person sign off on the release of reserves.

May 2nd - Left voice mail and sent email to Mike M inquiring why the process is taking so long and asked for an explanation.

May 2nd - May 17th - Spoke to Mike M twice and both times he mislead us to believe that funds would be released immediately. 6 emails sent to Mike M with no response.

May 18th - Mike M sends misleading email informing that whoever was reviewing the file, got distracted with "another project" but they were working on the account again.

May 21st - 10:30am, PST, Mike M called and said that the funds were going to be released and that he would emailing the reserve release letter for *** to sign.

May 21st - 12:30pm, PST, sent an email to Mike M informing him we had not received any emails from him or the company holding funds.

May 21st - 3:30pm, PST, Mike M called back and and said that the reserve was no longer going to be released because "the numbers do not add up." Asked him to clarify but he refused.
- He listed off several blanket reasons that funds may have not been release but none of them apply to this account. Asked him for a specific reason as to why the funds are continuing to be held and he stated that he "will not give an answer because he does not want anything to be used against him."
- He refused to inform how much is being held in reserves even though our records show $60k+.
- Asked for him to state in writing why the funds were not being released and he refused.
- Asked for a date and time to call back and continue the conversation with greater details but he refused but saying he will call back later and hanging up.

Per the signed merchant agreement, there has been no chargebacks, bounced checks or any other issues with the merchant account that warrant holding the funds.

My research shows EPS has been investigated by the FTC for money laundering.

There is a "Mike" listed in the complaint that holds the same title with EPS as Mike M. Obviously, Mike M is using a false name further misrepresenting the situation.

If the funds being wrongfully held in reserve by EPS are not released immediately, this situation will be brought to the attention of the following agencies;
- Federal Trade Commission
- Sponsoring bank
- Attorney general in both Washington State and Colorado

We are open to a conversion if a date and time is set for a phone call and the conversation will lead to funds being released.

No response from EPS within 72 hours will result in the above actions taking place.

- EPS has refused all communication and has shown no signs that they are willing to release reserve account funds being wrongfully held.

I canceled my contract with this company on 5/12/2015 unfortunately they said I missed the deadline by 10 days so I had to carry out the new 2 year contract. I did, I paid the monthly fee and all the various fees they charged me for for 2 years. My final fee was in July 2017 and my contract was cancelled. On or around December 24, 2017 I was charged $99.50 for ***/*** fees. As this contract had been cancelled for 6 months I believe it should have been charged while the contract was still active or at least I should have been informed that it was going to be taken out 6 months later. I have called the company several times and have asked for a refund. No one at the company is giving me any information about this issue just that it can take up to 30 days to review. I first called the company on 12-27-2017 and talked to John at 12:45 PM who stated he was a tech support person but was helping out in billing. He is the one who issued the request for a refund. I called today 1/18/2018 and I was kept on hold for 8 minutes and ended up talking with John again as he admitted to me he was the same person who talked to me on 12/27/2017 . This time he was extremely hostile and combative at one point asking me "if I wanted him to help me or are you going to continue to ask questions that do not pertain to you? " I was just asking how many people worked at this company as I was kept on hold for 8 minutes when the recording said my hold time would be less then a minute.

We received their equipment in January of 2015, but decided against using it and returned it and immediately cancelled the service without it being used. They continued to deduct at least two charges per year of $99.50. In January of 2017 they renewed our contract for two years even though we had cancelled in 2017. They said all we could do was cancel now so it wouldn't review next time. They charged us $99.50 three times in 2017. I have requested a refund, but don't expect much since the last time I talked to them they lied to me.

We signed a contract with them in January of 2015 for credit card processing, but returned the equipment immediately and cancelled our service. They renewed our 2-year contract in January of 2017 despite our cancellation in January of 2015. I spoke to them repeatedly in the first few months of 2015 and even sent a letter in May of 2015 to make sure that the service was cancelled. In January of 2017 they renewed our contract because they said that we didn't cancel 90 days before the renewal date and withdrew $99.50 three times from our bank account in 2017. I had my office manager call them in 2017, but they refused to honor the previous cancellation and refund the money. I mailed another letter in May of 2017 but never received a response. The charges come across from different names, originating companies and lately on holidays (7/6 and 12/26) because they know that it is less likely that we will be checking our account.

under my business *** signed a contract with EPS in 2010, we also gave them our banking account information. we within our allotted cancellation time cancelled the contract and EPS accepted our cancellation. Last 10/17 noticed a charge for $35.00 on my Business account with *** from EPS. Immediately called EPS who on internet has many postings under rip off report. I spoke with a Murrey who asked who I was pulled up my Company name and informed me he showed my account closed in 2010 and did not know why I was being ACH drafted. He referred me to his supervisor Amy would not give a last name voice mail and asked for my bank statements or he said they could not refund my money. I left a detailed message for Amy who never returned my call. I filed a fraud complaint with *** who informed me on Business accounts they had to go to EPS bank and ask if authorized due to ACH transaction. I phoned Amy after a month only to be told since I filed a claim there was no refund she would do, let my bank get my money she said and when I asked for a Company directors name or accounting officer she stated she did not have to get me anything and hung up, to my dismay EPS sent the 2010 contract to bank and said they are entitled to the money, this after Murry and Amy EPS employees both stated my account showed closed since 2010. If someone looks into this further you will see there are no ACH debits from them in 2011, 2012, 2013 2014 2015 and no communication with me at ***, they don't even have my correct address as I moved out of the facility they have on file in 2010. I called my local rep Gorge who originally solicited me in 2010, he no longer works for them and said they were supposed to deposit commission in his account and even took money out of his checking account. Please get a company executive to investigate this and refund all of my money that was ACH debited since May 2016. They have not provided me any services. I will contact attorney general office.

I started using EPS echeck payment services in the month of February 2017 as they claim they protect companies against acceptance of bad checks. They mainly claim that even if we receive bad checks it won't hamper our account in any way. However after 2-3 weeks of using their services they held my money stating bad checks ratio is high. Out of 36 checks only 4 checks came as No account and the total held amount with them is $7101. From March onward I started sending them emails to cancel my subscription as they were deducting $99 every month even when I stopped using their services but they had blocked my email id so all emails were getting bounced. When I spoke to them over the phone they rudely said funds will be released after 90 days and in one of their email they said funds can be held up to 180 days. I called them few days back asking them to release the funds as 180 days were over, but again they spoke to me in a very harsh and rude manner and said they will give my name in collections as I owe them $560 for breaking their contract. When I spoke to EPS initially before signing the contract they said there is no contract and no cancellation charges.(There is a similar complaint by some one on ***
Now it has been more than a week I have been emailing them stating when will they release funds once I make the payment of $560 but I am not getting any response from them. I have not been arguing about either $560 cancellation charges or even $99 monthly charges which they are still deducting from my account. I have been simply asking them to provide me a date as when will they release my funds as I feel even after taking $560 they won't release my funds and I will be scammed by them. I even told them to deduct $560 and release rest of the amount but their replies are rude.