Smart Choice Payments

Complaint: [redacted] I am rejecting this response because: I have attempted again to receive any sort of paperwork or reason this went to collection without ever asking me to pay or attempt to reach me I had been calling this company Smart Choice for well over a year, spoke to 6-different people over the or so months and was always told they were looking into where the money I was calling about went? Was told was still on hold, was told was being released from First Data, was told it was sent to a division called “Divert”, was told everything except where the money was and when it was being returnedWe did business with Smart Choice so naturally I called them to ask where the money is? I was NEVER told or asked to pay any additional fees because my accounts had been hit with a ton of fees at every corner of this month hold placed and now I am in collections for another fee which Smart Choice never once asked me to pay or sent me a bill regarding even after I asked for documentation and account statements or breakdowns of feesI was told they CANT give that info out??????? They did go into my account and try to take that amount out but because I was still waiting on the hold money to be releasedThere was no money for them to take so it just over drafted me twice at each I have sent an Email to Frank explaining I am open to would like to work with them on the two issues I have had but that I need to know this bad faith Collection attempt has been canceled and not just paced on hold? I have also requested for both Smart Choice and The collection place hired by smart choice to please send me some documentations or paperwork on this bill after phone calls and emails I still have not received any documentation or proof of this bill or any of the held money? In the last response I was questioned with the validity of tax paperwork I forwarded to Smart Choice that I received by First Data regarding the HOLD money? That is proof that I ran 20k + of business in one month but smart choice only refunded or so almost a year later? Why ? How does that work? 20k + was run in Jan 2015,We were on hold since Oct but we get back and you think that's ok? I also sent you the Wells Fargo Merchant account numbers for same time frame in which we ran 7K and was refunded back which Wells Fargo charged us about in fees? Wells Fargo merchant account sent statements and showed everything I asked for but you guys refuse Why would the two merchant accounts be so far apart in what was held and refunded ? That does not make since? AGAIN, I have been very patient asking about this and all that I get back after a year and half is an unfair collection attack placed on me by Smart Choice? Once this bad faith collection attempt is canceled out and resolved then we can resolve the missing money which I have yet to get much info on from Smart Choice other than call First Data or Applied Merchant which both say that Smart Choice was the company in charge of dispersing the funds back to us and that they both see the account was used and run and money was returned back to Smart Choice to be refunded back to us "The Customer", yet never was? The account number used to speak with all companies is our Smart choice account number? My bank account shows the money NEVER being returned, The merchant account shows the money beginning run and then frozen by Smart Choice and First Data I spoke to Mindy Winters at First Data and William Broger and Kim Chin at Smart Choice back in and was told then that the money would be held for months tops and then released To this day I am still waiting? And now dealing with a collections attempt :( I would like to see the collections charge Canceled outright and then I would like to have a conference call between Smart Choice and their vendor First Data (applied merchant if need be) so we can figure out where the money went and get it returnedBecause it did not go back to my account and so if not then where did it go? And 20K cant turn into dollars because of fees of over $19,? I would hope that is not what Smart Choice is trying to say? I do want to make a point to say that Frank has really tried to help and has been trying to figure this out as far as I have seenThis is not the outcome or forum either of us wanted Sincerely, [redacted] ***

Thank you for your feedback, we are reviewing your complaint and account history A formal response will be forthcoming