Flagship Merchant Services

You will get rip off by these company and the worst part is that Nathaniel S doesn't even care to resolve any problem. They will keep charging your bank account of any charges even if you already close your account. There are so many ways of getting your money back by filing a complaint in *** consumer complaints, Federal Agencies, ***,*** and to your consumer protection offices. Because Nathaniel will tell the Revdex.com that he already mailed the check overnight, in which after 2 months you will never receive it.

I changed to this company for credit card processing last year as I knew I was going into the hospital for a very major surgery which was going to lay me up for several months.
This company has a "seasonal" option which they claimed would ONY charge my business $11.00 per month while I was laid up which simply kept the account active.
Well, the first month they deducted over $50.00 out of our account. I sent an email questioning why and was told there was some overlap from the month while I was still there and therefore there was activity on the account.

The next month, they took over $70.00 out! When I emailed asking why, they said there were annual fees in addition to the $11.00 that they took.

I just received the bank statement for January and they took over $120.00!

Please review the website for Flagship Merchant Services. They advertise NO FEES!

This company is SCANDALOUS. My firm has used this company for its merchant services. After several months, I noticed the various fees charged unbeknownst to me. On average, I paid over 10% in fees (I could have stuck with ***). They subscribed me to subscriptions not approved by me, then draft funds out of my account for such services. I spoke with a supervisor who said I would be refunded for the 3 months charged for unauthorized services. After constant disappointment of services, I canceled my services (prior to receiving my refunds). After almost 2 months, I was told by a supervisor named Daniel (who refused to give his last name) I was no longer getting my refund unless I reactivated. Who gives this company the right to go in/out of your account and refuse to give a last name or hold your money hostage for service. I would never recommend this company to anyone.

The *** had enrolled me into something called ***.com Bus Ste without my consent and charged me $19.95 for the whole year of 2017 and this month.. Unfortunately I just realized about the charge and called the *** to rectify it and they only offered a 3 months refund. Now, last year I had the same problem and lost money for not seeing it before. Seems that their game is to do this and make dishonest money from clients like me who are too busy to look into details and then if you missed the 3 month max of their refund policy, they just have the right to keep your money!
I am closing my account with them as I type this complaint since I no longer wish to deal with a *** that cannot be trusted.

Called Flagship Merchant Services in October/November to close the account. The representative said the account will be closed and no further action needed to be taken. One month later, I received a bill for 100 dollars, one week later I received another bill for 150 dollars. If the customer service representative advised on the correct account closure procedure I would have avoided paying 250 dollars in service fees. These expenses should NOT have been incurred. Unexpected expensed caused Virtual World bank account to be overdrawn TWICE causing $80 in overdraft fees.

Terrible Company. You will be auto-enrolled in ridiculous programs so they can always charge a new monthly fee. This happens about every other month. They also come up with new "insurance" programs to charge you an additional $100 annually with no option to opt-out. Regulatory charges are another outrageous fee. When I opened my account, they held my deposits for 2 weeks to conduct an audit. To close your account, you will need to file paperwork and wait at least 2 weeks. AVOID THIS SCAM. THIS IS A HORRIBLE COMPANY that makes money by ripping off small businesses.

Our new company was researching credit card processing options. We located Flagship Merchant Services through online advertising. The advertisement included a "free" terminal machine with "set up fees waived." During the process of completing paperwork and working with the sales representative from Flagship, I noticed a DocuSign document with a fee of $399 for the terminal. There was a second document with multiple fees in additional to the "per swipe" fees advertised. I contacted the sales agent and wen through each fee. He informed me we would not be charged and the fees would not apply in our circumstances. He did correct the paperwork for the free terminal after I pointed out to him the previous agreement for the free machine. Once the machine arrived, we received a $21.98 fee and a $25.00 dollar fee, which appeared to be for the credit machine. There was a $5.00 dollar charge as well from Flagship. We were then billed $30.06 on month and $45.65 the next month without ever using the machine. After multiple phone calls with Flagship I was informed the charges were a minimum $25.00 per month fee, a $5.00 customer service fee, and a $3.00 *** fee. There was also a $12.00 annual fee charged. My complaint is regarding the lack of transparency during the advertising and onboarding process with this company. These fees were not clear up front. I have reviewed many other complaints from this company regarding the same issue with the company responding "We are sorry you did not understand the terms of the agreement." I believe all of the fees and charges should be more clearly disclosed and reviewed with customers in the future.

After my first month, I was incuring random amounts of withdrawals from my bank account. I called them and emailed them at least 10 times with no response. I had fees coming through my bank that I did not authorize. I was charged for four $32 insufficient fund fees for a total of over $150. After a few months of trying to get a hold of them, they finally saw their mistake, they had signed me up for 3 different accounts.

I had to put a stop ALL ACH payments from them which cost me $25. At the end of the year they charge you $49.95 for reporting to the IRS and $59.95 for insurance if someone tries to use your information (a protection service). THEY HAD NEVER discussed this with me. I would have NEVER signed up for this had I known that I had to pay $114 at the end of the year so they can report my $50 in earnings to the IRS?

I've been with Flagship Merchant Services for 8 months now, and I'm not happy with their rates. They advertise "$50 *** gift card" if you find rates that are lower than theirs. I called them after the first two months because their rates were substantially higher than Square (a popular merchant, which was 2.5% at the time-- they are now 2.75%). Flagship gave me the $50 (they applied it to my account), and then turned around and said they could only give it once, even if their rates were not lower (as advertised) each month. Well I've been with them now for 8 months, and each month the Flagship rates were HIGHER than Square. The initial fees they removed before depositing credit card income into my bank were quite low, BUT -- and this is the kicker -- at the end of each month, another lump charge came from them (and it varied each month). This charge was due to the type of card that was used (and apparently they wouldn't have that until the end of the month)... so while the initial processing fees appear to be great, when you add in that lump charge at the end of each month, the rates fall far below their competition. Including all the charges and all the income from credit cards, their fees and charges ranged from 2.89% to a whopping 7.57% (which was due to the annual PCI charge that they passed onto me- you will get that as well). For the 8 months, the average percentage was 3.74% and every single month was higher than Square's fees (which is now 2.75%). I'm really frustrated with the false advertising done by Flagship Merchants stating that they have the lowest rates. Their customer service will throw you a bone, but they do not stand by their word. What frustrates me the most was calling them at various points during the past 8 months because their rates were again higher than others and being told that there was really nothing they could do about it, that it was because of the credit cards my clients used (and they were cards everyone uses). They also said I may have caused some of the high rates by entering the numbers manually or remotely, which I did not do (and I told them that too). So two thumbs down for Flagship Merchants and their false advertising. I'm giving them an extra star because they did give me the $50 for finding lower rates (it wasn't hard). Sadly, the $50 was nothing compared to the 25% more I paid for the past 8 months.

STAY AWAY FROM THIS SCAM COMPANY!!!!! Promised the moon, served nothing but stress all the way through Christmas. Never received our funds. What a way to begin the new year.

The person who sold this product to me did not let me know that land lines were needed to operate the machine. I received a product that I could not use. I called to cancel the product and instead of cancelling he attempted to send me more products. He never mentioned a "cancellation" form that I was supposed to sign. Anyway I never received an invoice from this company or statements but suddenly I noticed a $300 charge on my bank account statement. During my investigation into the charge I found out that the company had been charging me monthly for two different accounts they had gotten a total of $170 from me and provided me with no service at all. They now want me to pay $300 when it is clear that I have never used their product (I actually CAN'T use their product.) They were supposed to respond today with some resolution but I have heard nothing about the financial matters. I am looking into whether or not there is a class action suit against this company. I cannot be the only person that they have swindled.

I signed up with Flagship via phone 9 months ago. The representative spent over an hour explaining contract & fees. He then emailed a docu-sign and said sign immediately and send it back. So I did. The arrangement was no contract of months to use their service, only 2.9% of all charges I put through their system. $25 min. Charge to process each month or they charged me the fees for processing $25.

Within two months they started adding a compliance fee. I was never told to go do a survey and this would not be charge. $29.95 a month. Then three months in they started adding $19.95 fee for some “program” they sent an email about that I never even opened. But being I didn’t open it and “opt-out” they say they had the right to automatically start charging me. I’ve paid over $600 in fees in 9 months. When my processing “fees” should’ve been less than $100.

When I called to cancel they had me send a signed document to a customer service email address. I sent it. I never heard anything for 3 weeks. When I called they said they replied to my email of cancellation stating they could “reduce” my fees if I did not cancel. I never got this email. So my account sat open another month! The representative to led me I needed my account number on the form I submitted for them to cancel. Nobody had even replied to my cancellation so I was unaware I missed it, it was in the header anyhow! I submitted the form again with the rep on the phone to be sure they received it this time. I wanted to cancel! Two days later I get an email stating account closed. Then the following day $30 and $4 was processed as charged from them on my account?

I signed up with this company through a sales rep named ***. He was very helpful in the beginning but then disappeared once I signed on the dotted line to set up services. (I set up 2 accounts with this company - *** LLC and ***, LLC) I was under a special pricing package which was supposed to average around a 2.5% transaction fee per transaction however that was unfortunately a lie. One account average over 10% per transaction and the other averaged over 12% per transaction. But this is not the main focus of this complaint. The focus of this complaint is to get a refund $133.15 (for ***, LLC) and 93.05 (for *** LLC). These charges are for "business suite enhancement" and a "security package" that I was never informed that I would have to pay for. I called in an attempt to resolve this issue (before issuing this complaint) and was lied to yet again. I called early in December (this month) to have a refund submitted. I was informed that if I were to get a refund for the "security package" (which is me, the customer paying for the merchant's fraud insurance), that I would need to cancel my accounts (in which I did) and my refund would be processed on December 11, 2017. After waiting until today (December 19, 2017) I called back in to see why I have yet to be refunded. I was then informed by *** (I believe he may have given me a fake last name) that I could not be refunded because of that fact that my accounts are closed. So I was told that I needed to cancel my accounts to get a refunded, only to be told later after not receiving the refund that I needed to have active accounts to get a refund. Today I am only seeking a refund for the $133.15 and the $93.05. If I am unable to be refunded, I will not be issuing another complaint, I will be coming for my money legally, and not just the $133.15 and the $93.05, I will be coming for everything I was charged over 2.5% per transaction. Legal documentation along with recordings and saved emails will be sent to Charleston, MA if this issue cannot be resolved in a timely manner.

Continue to charge me after I submitted forms to cancel the account. I did use them for 3 plus years. Their merchant website is not user friendly and very difficult to read. You will also need a payment gateway. Monthly fee's add up without them even processing transaction. They make is sound good with a low percentage rate per transaction but the fees outweigh the percentage savings. I was looking for an all in one processor so I decided to leave Flagship. I called to close my account and they said they need to email me a closure form and email it back. I filled out and electronically signed the form they electronically sent me. Received confirmation of receipt of my form and they said they would notify me if they need any other info. I noticed they charged me the fees for the following month after closing the account. When I contacted them, they said the form could not be electronically signed but needed a physical signature. That was not specified on the digital form they sent me nor did they contact me as promised if they needed any other info. They make it IMPOSSIBLE to cancel an account and will continue to charge you and create excuses as to whey they have not canceled the account as you requested.

If you are considering FLAGSHIP, I recommend you continue shopping!

I had been using *** credit card processing services when in July 2017 a Flagship Merchant Services account representative ***
persuaded me to "check out their much better system on a trial basis". I agreed to give the Flagship Merchant Services credit card processing a try.
However after I had given them my bank account information sometime in September 2017 I received a letter that I would be obligated to an Annual Contract. Having realized that I was duped into bait and switch scam on September 20, 20I7 I *** an Email "to void my account". I also refused acceptance of the credit card processing terminal from ***. The terminal was sent back and was received my the Flagship Merchant Services, according to the information given to me over the phone.
On 12/05/2017 I discovered that Flagship Merchant Services has been charging my *** Credit Union account for the "services" I never wanted and they never provided by keeping a merchant account for ***. open.
I am not a legal expert, but surely APPEARS TO BE FRAUD.
The same entity "Merchant Services" bills me for TWO accounts - one I have been using and the other, that until December 5, 2017 I had not known existed.
My requests to resolve the problem have been met with demands for account closure Emails, Account Closure Form with My Signature, which I have done.
I keep receiving Emails that my issue will be addressed within 48 to 72 hours.
It is hard to know how much I have been fraudulently charged. So far II found $152.77.

So far I’m disappointed. The card reader they sent that was to work with my *** does not! It takes 3 days to hit my bank from each transaction! And now, Risk Analyst from Flagship wants to verify every transaction I’ve made to date! Not cool! Not happy so far at all. Takes forever to get a hold of someone and I still don’t have a working card reader. Have to type everything in.

Why didn't I do a search on this business before getting in?
You sign up and they hide you the real truth, all the hidden fees. They lure you in with low percentages on credit card charges. It's all a lie.
They charged my account for "services" I never asked for. They charged me fees of non compliance for something I did not know what it was. They never emailed me or called me to let me know I was in non compliance and that I needed to fix it.
I did not watch my account for three months and they stole from my account whatever they decided they wanted to. They overcharged me every month until I found out it was them making the charges. My bank called me, as they emptied my account. I had to pay over draft charges.
I called Customer Service and was on hold for half hour until I got tired and hang up. I called again and got a lady on the phone that was talking like a radio station. She hang up on me.
I called the third time.
When I asked them who signed me up for these extra services, they told me: we sent you an email to sign you up for additional “services”. Unless you opt out, you are signed in automatically. If you don't respond opting out, you are automatically charged.
We never received any communication in this regard. They stated they have had issues with their email and maybe that is why we did not receive any communication.
This company was unauthorized to sign us up by default for any additional “services” and has been defrauding our account.
We filed today a form to close the account with them.
They are a FRAUD and will never again consider them for a business. I will make sure I tell others to not get in.

I will spare you the details. RUN, RUN, RUN as fast as you can from this company. You WILL be charged for things that you had NO KNOWLEDGE that you agreed to be charged for. The agent collecting the commision for the sale was Andrew K. Do not believe one lying word from his mouth. May his tongue feel a burning sensation every time he opens his mouth and think twice about the lies he is telling. My customer service cancellation representative, CASSANDRA, was snarky and talked down to me like I was stupid. Asking such things as have you hit send and receive on your email. Oh yes. Believe it or not, I know how to use email. Long story short. RUN fast and far from this company.

We need an urgent refund for the below merchant account from February 2016 – March 2017. We submit request of cancellation of service for the below account due to change of business entity and was issued a different new merchant account number due to the company entity change. Flagship merchant services issue a double merchant account numbers. We use only 1 merchant account service and never the one below, as it was requested previously to be cancelled. But despite of constant emails and calls to customer service departments as well as the in charged, there are no avail and your company keeps on taking money from our business account. We never use this service since February 2016. As a senior citizen, I felt like we are being exlploited and abuse with this company and got rip off with all these fees total of $1,233.49 taking out from our bank account.

Purchased card reader and they told me if it didn't work for me I could return for refund. At the time of setup I found lots of hidden costs they failed to tell me about. I have called the company several times only to get runaround and put off. Each time promising someone would get in contact with me. Original sales person was Tara Stuhr ext. 101. I paid $39 for card reader and would like my money back as promised.