Flagship Merchant Services

This company is a credit card processing service so I can take payment from my customers. I'm a former taxi cab driver & that's why I used this service. Money was only suppressed to go into the account. Money was never supposed to be takin out. Every month with out my permission or the bank account holders permission they take money out. I tell them to stop & I don't want there service but they take money anyways. This month they took $80 or $90 & I can't pay rent. The bank account that they are taking money from in my mother & she has stage 4 cancer. We can't afford for them to take / steal anymore money. Please help me have them stop taking money and refund all the money that they took. I never signed anything to sign up for there service. It was only verbal & they lied about & with held telling me about the fees they were going to charge me every month. So I never agreed to what there doing.

These people have been overcharging me for months and I just found out. I signed up for merchant services with them 15 months ago, but never used them. The monthly fees were supposed to be $32.95 per month. Today I'm being charged $100.89 every month. They're making me jump through multiple hoops to cancel their service! I'm holding my breath, hoping they don't continue to rip me off after cancellation. This is the absolute worst Merchant Services that I have ever signed up for, and I've never used them. They ripped me off for over $1300 in fees over 15 months.

I am being absolutely harassed by a company named Flagship Merchant Financial, whom I have never contacted or given my information to. After speaking with them initially and notifying them of their error, they continuously call me 3 to 5 times a day, they say hello, I respond and they hang up every time. I ignore the calls but they continue to call, operating as children as if they have nothing better to do. The phone number from which the harassment began and continues is (***. I can provide phone records with screenshots if necessary.

My Dental Office has been with these people for the last 4 years with virtually ZERO Chargebacks and Zero Collections. Last month we built a second office I figured why not just go with what works? HUGE MISTAKE! What used to be a 2 day turnover to receive funds has suddenly turned into 4 - 5+ days!!! For giving them MORE business they are now going to hold our money for longer... Yeah.. Logic doesn't quite match up guys.
Unless you want to pull your hair out DO NOT GO WITH THESE PEOPLE YOU WILL REGRET IT.
And don't even think about calling customer service.. They are like robots... They only will do what the computer tells them and nothing more. Makes me wonder if they even have to drive a car to work in the morning... They probably just transform into one.. But I digress...

I contacted this company on 7/8 or 7/9 via email and got connected to Alex P. I’m brand new at this and just trying to start my small business. Alex help get my applucation done over the phone and then he said “it should be processed by the end of the day”. Well that was on 7/10. I emailed and called a few days later and nothing! He disappeared. So today 7/16 I call and he said your application was denied. I asked why and he said “they don’t tell me that”. So here I am trying to get payments set up on my website for over a week and now I have no clue what went wrong. I asked Alex to speak with a supervisor and I eventually got hung up on twice. Customer service is very poor!

Ever since I communicated originally with the Sales Representative, D, ***, I have been experiencing problems. After I requested copies of all electronic documents/agreements, fee schedules and information concerning any equipment, I haven't received any requested information to this day. Since January, the supposed fee schedule hasn't been discussed in detail or submitted in writing. According to Mr., there would be a monthly fee and the discount rate and he reiterated what's posted on the website as "no cancellation fees". What happened next was unbelievable! Although I indicated that I would only be utilizing the mobile application, two accounts were opened. Almost the same amount of fees is being charged on both accounts, even though I have used only the account associated with the mobile app. In a five-month period, the credit card charge volume has ONLY been a total of $6,160 and the fees charged to my bank account has been a total of $1,004! This represents 16.3% of total charges in just five months. I have called Mr. several times to no avail. Recently, I emailed him and it was returned as non-deliverable. I contacted customer support and I was told that I was charged an annual fee in a month where I only had just $300 in charges and the total fees charged between two accounts amounted to over $400+. Lately, my health is rapidly deteriorating and I feel that the unfair practices has resulted in a recent hypertension crisis episode that occurred close to the time I was communicating with the company. My health and my ability to function can be attributed to these incidents.

In January of 2018. I called Flagship to compare fees. I filled out their forms as per their request. The service was never activated on my end, I did not receive any equipment and not a single transaction was ever posted to this service. I did not know they created an account and start collecting fees via ACH to my checking account. This service was never used not a single transaction posted to it of any amount or kinds. Moreover, I clearly remember telling the sales rep I would not be changing to them.

I am owed for fees collected without consent since January of 2018 totaling $698.17, I request a full refund as the remedy to this complaint.

I sent a complaint about Flagship Merchant Services because they have blocked my attempts to call( claim my rep, *** no longer works for the company), email (I receive error messages)and have failed to respond to my letters. I returned a dysfunctional mobile cc terminal and asked for one that worked or a refund.(membership # ***) I have received no answer. Revdex.com sent me an email asking for proof. I sent the return letter. The tracking *** tracking code on the returned cc terminal(Walker 1.0 EMV mobile reader S/N # ***) is *** mailed from Boiling Springs Post Office on 4/30.Flagship's order number is ***. Someone from the business is withdrawing $49.95 a month from my bank account without my consent, even though the company ADVERTISES" no hidden or no monthly fees--a total of $300, "no contract to sign, best customer service in the business", etc. I'm perplexed at what I'm being charged for, as I've not attempted to use the cc terminal since 11/17 and returned it in April. I'm a retired professor, a new author with four titles who cannot afford to lose this amount of money; that's like selling 16 books. So now I'm out $349.00. I am requesting restitution and a refund. Thank you.

If I could give no stars, I would. I urge anyone who is looking to use this business, DONT. Other than when the sales rep is trying to gain your business, you do not hear from them and it is hard to get in contact with someone that actually knows what they are doing. I paid over 400 in the course of the 4 months I "USED" them. I actually didn't use their service once, but they trick you with a low monthly fee which turns into hundreds of dollars a month if you do not set up your account appropriately (which is difficult to do because of the system they use for online accounts). When I asked for a reimbursement they said no- and if I do a charge back they would send collections after me.

This company is border line fraudulent. We are a small start-up offering edtech service to local schools and educational entities. We came across Flagship when we were looking for a cheap merchant service provider to process credit/debit card transactions. The sales rep at Flagship falsely advertised the cost and fees. They signed us for services we didn't even request and when we asked to cancel that service we were still charged three months in a row. Their excuse was that their system "missed" it. Also, they even charged us for fees for months we weren't even operating. We started our service with them in December 2017, but they charged us for a service since June 2017. Also, the sales rep that initially sold us their fraudulent/misleading product went MIA once we signed up for the service. There is no correspondence among their customer service team and are very unprofessional in treating their client. I would warn and highly discourage anyone from using Flagship Merchant Services as their merchant service provider. Use standard services like PayPal or Stripe. They are much better and trustworthy.

I contacted Flagship Merchant Services for the ability to accept credit cards on occasion. The salesman *** Alcantaro had me sign up for what he said was a $5 per month fee plus per transaction fees when used. I thought that this would be acceptable for only $60 per year to be able to accept credit card payments when needed. I wanted to see what had happened for a years summary, so I recently researched and found a website that I could create an account in order to see my charges over the past year and to see what payments I had received and that is when I discovered that they were routinely withdrawing $82.95 from my checking account, sometimes more and sometimes less. I had only used the service two or three days over the year and was expecting to see $60 - $70 in fees and to my surprise, they had drained well over $1000 from my checking account over the past year. I called *** and he said that it would take at least two or three days for him to see what credits I could get back. I have not been able to reach him by phone since and he has not returned my calls and emails. I tried to contact customer service to check on the credits and they tried to tell me that what I got signed up for was a $25 a month account and that there was some form that I needed to have filled out that they had never made me aware of, where they would charge me additional fees until I had filled out the form. I have been unable to get my money that they have deducted from my checking account and I am looking into pursuing legal avenues for reclaiming my money and never provided to me. One person said that I should have received it by email and another told me that it was mailed to me and I responded to both people that I had never been notified of or received any such form.

If I could give no stars, I would. I urge anyone who is looking to use this business, DONT. Other than when the sales rep is trying to gain your business, you do not hear from them and it is hard to get in contact with someone that actually knows what they are doing. I paid over 1200 in the course of the 9 months I "USED" them. I actually didnt use their service once, but they trick you with a low monthly fee which turns into hundreds of dollars a month if you do not set up your account appropriately (which is difficult to do because of the system they use for online accounts). Read the fine print! I cancelled my account and shut down my business and they never notified me that I would continue being charged. I am now in collections, which is something I have never dealt with in my life but they never emailed or called. They sent 1 letter to my registered agents address that said I was in collections... talk about poor notification and all over a few hundred bucks. CRAZY. Company is run poorly and they are a HUGE SCAM. BEWARE!

I talked to a rep & gave them an application over the phone. I did not feel comfortable with the lack of service I received so when they emailed me to doc u sign a contract with them I did not sign it & told them I was going with another company. I emailed them a number of times with no response in addition. They wanted me to sign a cancellation form of which I would not since I though they were up to no good & would try to charge me a cancellation fee of $250. I never ordered or received any equipment from them. Have been with another company for about a month & found they took money our of my business account for fees for whatever. Today more fees were taken out. They are not trustworthy. When I emailed back to them the email returned to me undeliverable. Stay away from this company.

The issue is that this company limit the amount of money on sales daily, per client, per moth, per year information that was not disclose when we signed with them. My company sales an innovative gym equipment and because is a new technology I have to educate my consumers to introduce our product. So I’m no selling only the equipment but also the training and education. One of my possible customer made a prepaid (four digits) for education and training sessions which generate "the investigation". We are not only being scrutinized (Jose where asking all the abouts of the business and sessions what time starts and ends, a lot of questions none of their business etc), being ashamed in front of my client (we have to cancel the transaction of course no more deal to sell equiptment) losing the client and since the day of that big sales 02/18/18 every transaction is kept hold so no money is going to our bank account and in order to release our money according to them is sending the invoices of purchase with all the client personal info (name, address, telephone number, email address) because they have to contact them and verify the purchase. We try to talk with a Supervisor since this rep had not been reachable and he does not called back and he is not a help but we were denied. He said that he could not pass me with the supervisor. This is smelling bad there is something wrong with this company and some authorities has to investigate them.

Applied for a credit card merchant service last February 7 with Flagship Merchant Services but cancelled the next day with the agent who took my application. I tried to call him a few time and left a message to cancel but he never replied. I emailed him to cancel but never heard from him again after submitting the application form.
After cancelling the application, I called flagship again to make sure I won't be charged for anything and talked to a lady customer service agent and and was told that I should not be charged and if ever they charged me, call them and they should give me a full refund.
After seeing their charged last March 5,2018, I called them to ask for a refund but another customer agent refused to give the refund.
I called today again to ask for my full refund and was told the they were going to issue me $25 but they had to keep the $7.95 for the statement fee.
I never did a transaction with them! It is against the law to charge anyone without any exchange of service or merchandise.
They never sent me the terminal nor did any transactions with them since the account was never cancelled and never used.
I also requested for an email stating that my account is already closed and that they would never charge me again for any amount in the future but refused to send me and email to confirm.

Like many credit card processing, this company does everything it can to steal your money. It started with a card swipe *** attachment they sent and charged insane amount of monthly charges to other fees that kept changing and surprise charges from time to time. In short, they spent most of their time finding ways to steal money from us. Even charged us an additional monthly fee right at the day we canceled the service. STAY AWAY!!!

Absolute complete scam artists.
In September 2017 I signed up with flagship due to cheap processing fees.
When I was with my accountant preparing my taxes we noticed that I was being charged roughly $73 a month from them. I called because I was IRATE, not one person told me over the phone that there would be other fees besides the 1.9% processing fee plus .19.
Of course when you call customer service they use the excuse that it’s, “in the contract”. Not only were they charging me $30 a month for not being PCI compliant they were also charging me roughly $25 a month for a website I apparently signed up for in my contract inbenounce to me!!!!!!!!
So on March 20th I called to cancel my account, received the email and emailed back a signed copy of cancellation. Well today 4/2/18 I noticed they charged me $63 more this month. Lies after lies, what a disgusting company to do business.

I spoke with sales agent *** at Flagship and inquired about using a credit card reader with my phone. The purpose for this reader was to allow sales of a lipstick product to be paid for via credit card. I wanted to be able to send invoices to family and friends for a fund raiser through the sales of a lipstick product. The fundraiser was to provide money to pay for an *** community service project trip to Peru, for my teen. I made it clear to Mr. that this was a hobby type business and sales would not amount to much but we needed a card reader for convenience. Over the telephone conversation the agreement made was a one time fee of $30 for the equipment and a monthly fee of $5 for the account. I can close the account anytime I want, avoiding the $5 monthly fee, and reopen it anytime I want for free because I already owned the equipment. I did not agree to anything else. After receiving the reader, I figured out that I was unable to send invoices via email and therefore was never able to use the reader unless I stood in front of a person. That was the first lie I was told. I set up one checking account for all sales related to the lipstick. There were plenty of funds in the account for the monthly fee of $5. I never looked at the account for deductions and only made deposits into the account. Recently, I saw the balance of the account was down by several hundred dollars and I investigated. Flagship had been debiting this account $30 a month not $5. The company also auto enrolled me in some online feature that also cost a monthly fee. After calling the company to complain, I also found out I was assessing fees for being 'noncompliant' with the card reader. I was never informed of any annual compliance or fees and penalties. Today I spoke with *** in customer relations who informed me once I became pci compliant, I would be reimbursed for the last three months or a total of $90.00. I was also told I would be emailed a link to fill out a form in order to close my account should I wish to do so. Shortly after, I spoke with ***, a supervisor for merchant services who informed me since it was my intent to close the account I would not be reimbursed for fees. I told her then it was not my intent to close and please reimburse the $90 upon my compliance. She stated she would reimburse $60 now and in three months if my account was still open she would reimburse the other $30. Here are the financial impacts and charges I am requesting reimbursement for immediately due to Mr.' less than forthcoming of costs associated other than the $5.00 a month fee and additional % fees associated with each transaction, of which there was only one. Beginning with the account opening June of 2017 I was charged $25 a month for a "monthly minimum discount" for a total of $200 from June through January 2018. This was not a disclosed fee and I request full reimbursement. I was auto enrolled in an online business suite without my knowledge at $19.95 a month beginning September 2017 - January 2018 totaling $99.75 of which I request full reimbursement due to enrolling without my permission or knowledge. Annual fees that were never disclosed during my conversation with ***, in sales, included a PCI fee of $119 that has to do with protection against credit card fraud, I was informed today 2/23/2018. Annual fees that were never disclosed during my conversation with ***, in sales, included a tax reporting fee of $49.95 to provide me with a 1099k. I am not a tax accountant but I do believe it is the law for a company to provide this information. At any rate, my sales totaled $54.00 in 2017. My complaint is that *** in the sales department had full knowledge of my intent in the use of the product I was planning to use and the ways in which I intended to use it. When I received the product, I was not able to send invoices to be paid so I was not able to use the product/service from Flagship in the manor of which I was told I could. The product was only good for person to person credit card swipes. I thought I would be able to use the product more so I kept it, knowing I was paying a $5 fee monthly for it. I recently saw the balance in the account designated for the savings of the fundraiser had gone down drastically and so I contacted Merchant Services and have been brought up to speed on their fees. I would NOT have agreed to this relationship had it been disclosed to me when I agreed to buy the card reader for $30 in June of 2017. I request full reimbursement of all fees associated with this account other than a total of $40 resulting from $5 monthly fees for the past 8 months and the 1% fee from using the card services on a $54.00 sale. I want to close this account but I am afraid by doing so I will no longer be able to receive credit back for all of the fees.

MY first processed sale was a disaster, was never funded on my one approval because I was over my limit (something the sales rep omitted telling me until I noticed I was not receiving the money). Gave them all the info on the customer to their compliance dept, signature, address, phone and invoice and they still kept me hanging. Finally I requested they just return the money to my customer and I would get paid another way. They did and charged me both the processing fee for the sale and the refund, cost me $130 and some embarrassment.

I just opened a small business and was too trusting. This company sent me a broken card reader, I've spent hours on hold speaking with who knows. At one point a customer service representative told me he didn't even work for company he just took overflow calls. They also have no returned my $40 for the card reader. After realizing that this was not the company for me, I found another company - which turns out to be THE SAME COMPANY UNDER A DIFFERENT NAME. They still did another hard check on my credit and then took $350 out of my business account. Of course I've touched based with my credit reports and my bank to put a stop payment on the transaction. This maybe a scam.. I'm unsure. So many bad things to report, just stay away from this company.