United Card Solutions Review

United Card Solutions is the most corrupt company I have ever had the missfortune to work for. They have had massive issues with drug use in the office as well as several of their employees have died due to drug abuse. This company hires known criminals and they have full access to all of their clients private businessand personal informations such as social security numbers tax id numbers ect. They will lie to get you to sign documents they havent even shown you yet and they will do everyting in their power to keep you on board until you are no longer able to get out of the contract they get you to sign. Every contract they get they sell to First Data and then you are no longer working with United Card Solutions you are then stuck with First Data and they do not tell you this when you sign up with them. DO NOT do business with this company. They have not changed anything about their practices. I called just recently thinking that they had cleaned up and are working to be better however I was quickly informed that I was not to call the company for any reason and I was not given a reason for this other than they do not want to do business with me. I was also hung up on by the VP of the company Adam Ward who is a cocain addict. Adam Ward was buying cocain from his former employees and when people in the office found out the employee Adam Ward was purchasing his drugs from was escorted out of the building by security. Please please do not trust this company they are not who they say they are and they do not care at all about your business and will sell you off to first data as soon as you sign any contract with them.

Do not do any business with this company whatsoever. You will be angry all the time. They give you a contract that you negotiate with no annual fees, low transaction fees, etc. Every single month there is a new charge on there for something. started a new program called VRS that you had to opt out of (which I did immediately) or it was $19.95 a month. Still charged me. Changed PCI Compliance platform (same company) and immediately started charging PCI non compliance fees as soon as you don’t re register on the new platform which they didn’t tell you you needed to do. Charged all kinds of annual fees that were not supposed to be charged and then you have to fight like crazy to get them off. Still don’t have credit for any of these fees. Late fees were charged by Lessor of equipment for no reason. Payments are automatic deductions. Finally got those back. No one answers your emails or calls you back. All you get is crap from the person who answers the phone and says that’s just how it is. That is, if they answer the phone which is certainly not guaranteed.

This post will help: Find and Eliminate Hidden Fees From Your Monthly Bill

-Phillip

August 9, 2018

To Whom It May Concern:

On July 30th I received a cold call from United Card Solutions. The call came in from a local number. I was asked if I took credit cards for my business and if I wanted to save money on processing fees.
I was told that I could get a 1% credit card processing rate for simply paying a monthly fee of $399 per month. I did the math on what my monthly volume typically is and 1% plus $399 per month would still be a significant savings. I asked for them to send over the paperwork so that I could take a look at it and then I would decide. The phone was handed over to Elijah Smith and he said Karen, if you can sign today right now we can charge you $349 per month as opposed to $399 per month.
I told Elijah Smith that all of my processing is done on a recurring basis through a virtual terminal via QuickBooks or another processor that I use and that I don’t use any type of credit card processing equipment. He assured me that is fine, and I would still be able to do that with their company. I also told him that I process a lot of E-checks and I would need that capability as well. He assured me that I could do that and even set them up to be recurring.
He sent over the agreement and we stayed on the phone as he went over the rates which were on the first 3 pages and were of primary concern which all looked good. They even added to the agreement a $500.00 sales credit.
After the first 3 pages of rates were gone over it was then a very fast and furious click here sign here type of moment for the remaining pages of the agreement. There of course wan no time to read the pages upon pages of 2-point font that followed. I was told to just trust him and that I would thank him later for all the savings I would reap.

When it was time to do the audio confirmation with another CSR; he touched upon using a credit card processing terminal. I said wait a minute; I have never used a credit card processing terminal in 15 years of business and don’t plan on using one now. We don’t have foot traffic to our business and all cards are accepted over the phone/internet and processed through a virtual terminal.
That conversation ended, and I was put back on the phone with Elijah Smith. Elijah Smith stated that I would not need to use the machine terminal to process and I could put it on a shelf to collect dust (his words) and it was just a way to keep the discount rate at 1% by paying the $349 per month. There was never any mention that I would be entering into a 3rd party equipment leasing contract with First Data Global Leasing. Why on earth would a business that doesn’t process credit cards using a card reader terminal need or want to enter into an equipment leasing contract?
Paying $349 per month with United Credit Card Solutions; who I thought I was entering into a business relationship with, made sense to me as it was like buying down your interest rate on a mortgage using points and I understood the concept. However, what was done here was deceptive as they knowingly entered me into an equipment lease despite me never needing or using a credit card processing machine.
I was sent 3 credit card terminal processing machines from First Global Leasing with a contract for 4 years at $349 per month. I called Global explaining how I had been duped by this company. They suggested that I get in touch with United Credit Card Solutions to have them cancel out the lease and I would be able to send the terminals back to them once the lease had been cancelled by UCS.
To make matters worse I am not able to process ACH checks as I was told I would be able to. Additionally, their platform does not integrate with my financial accounting software which prevents me from effectively doing receivables accounting that is required by IRS.

I am respectfully requesting cancellation with United Card Solutions as it was done under duress in a fraudulent manner. You will see from the first phone call received from UCS on Monday July 30th to the time the contract was digitally signed; only mere minutes had elapsed which was not enough time to read the agreement in its entirety. This was an extremely high-pressure tactic to get the agreement executed.
Please respond to this communication within 48 hours of receipt. If I don’t hear back from you on this matter within 48 hours I will be forced to seek legal recourse with my lawyers as well as the BBB, Attorney General and every possible internet on-line review site.

From The Editor
This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

I was contacted by UCS and was looking for a change so I listened but didn’t want to sign a lease agreement as I had already had a bad lease experience. They kept sending me “up the chain” – offering to pay off my
old lease agreement and finally offering a $295 payoff to get out of any agreement through them (Jon Lund).
I was kicked out the recorded agreement 5 times because I kept saying I didn’t want an uncancelable agreement and that was what was listed. Jon Lund then sent an addendum saying I could leave for $295. I received 6 huge boxes of equipment (for a small single location business) which I could use and also a letter from First Data telling me I would be leasing equipment from then for $299/mo for 48 months. I called everyone – many times because they don’t always answer and found two more companies involved in this scam: Blue Square and Prestige Payment System. I tried to cancel with everyone but was told by First Data that even though the contract didn’t start until June 1, two weeks away, that I would owe them $17,000 on June 1.
Prestige said that Jon Lund was only a salesman and
it didn’t matter what he said and the $295 release would not apply to the lease in any case. He also told me no attorney would take my case because it evidently says somewhere (I certainly didn’t see it) that nothing a sales rep says affects the lease. He
wouldn’t cancel – why should he – they only want the
lease money – you owe them for years. I’ve not started with them and they’ve already said I own $17,000 for the lease and another $1500 to get out
of the processing that will never begin. I’ve sent a complaint to the Attorney General’s office – Please do this -and I’ve contacted an Attorney. I don’t know if
we can get help – don’t you all think we have a Class-Action Suit here?

Same thing happened to my son who is a new business owner. They scammed him. So many fees already. He was using Square and for $8280.00 in CC transactions his total fee was 297.00. That’s it. He has been with UCS since May 2017. So far he has had $9905.00 in CC transactions and has paid $946.00 in fees plus $85. per month for equipment ($765) with a grand total to them of $1711. So he has paid $1711. for $9905 in CC transactions. Thats basicially 17.5 % fee for CC transactions. That is sickening. This is an awful company and I really can’t believe they are still in business and haven’t been put in jail for fraud. Where is the law? I just can’t imagine my son paying them that kind of money for the next 3 1/2 years.

Like all the others I was lied to by the sales reps, who repeatedly stated that there no other charges than the 1% on credit cards, $.10 per transaction fee, and $39 monthly charge; that there were no additional interchange fees or any other fees to be paid by me. Which of course is false.

What I want to know, is what has happened to merchants who closed their bank accounts when this company refused to void their contract. Or has had any success in getting the contract voided other than by having recorded the lying sales pitches.

Same thing happened to me… unfortunately… they promised 0% on debits, 1% on credits… $1000 signup bonus, free handhelds, and $300+ in savings a month compared to my previous processor… guess what – everything was a lie… paid monthly more than my previous processor, sign up bonus never showed up, handhelds were leased for a whopping $250!… and now i’m trying to cancel, they say pay cancellation fee of $730 and claim i signed a 48 month lease, on top of that, i found out they placed a personal loan on me at the amount of $9,800 !!!!… liars…!!! lies and deceptive tricking into signing you up into contracts… guess, its lawyer time…

I received a cold call from someone named Tabby from United card solutions 2 days ago. I allowed her the opportunity to give me her sales pitch which sounded ok at the time and I wanted more information about it. In the afternoon when I was finally able to sit through the process with Tabby as soon as I expressd that I wasn’t interested I was passed on to a person named Richard Powell. Richard said everything that needed to be said to get me to sign up. However, everything he said was not the same as what was stated in the contract which he told me not to worry about. After signing the contract I immediately felt like I just made a mistake, but Richard assured me everything would be fine, that he was a man of his word and gave me his personal cell phone number (916-919-1212) in case I had any problems. Later in the evening I tried him several times on this number and once he finally answered I expressed my concerns again. He reassured me that everything was fine and that I had nothing to worry about. I couldn’t shake the feeling that I was being lied to. The next morning I called UCS corporate office and spoke to a CSR named Ashley. I asked her the same questions I asked Richard and her answers went along with the contract not what Richard assured me I didn’t have to worry about. Immediately following the call to their corporate office I received a call from Richard on his personal cell phone. The discussion with Richard was very heated because he flat out lied about the entire situation, but rather than admit it he said he just forgot to put the items I questioned in the addendum. At this point I wanted nothing to do with this company and asked him repeatedly to cancel my contract. In the end rather than taking care of the situation he hung up on me and I haven’t spoken to him since. I called the corporate office back and got in touch with the lady named Joleen who seemed like she would be helpful. She took all my information and told me that she would be back in touch with me as soon as possible. As you can imagine, this is very stressful situation so when I didn’t hear from her for the rest of the day I was very worried. I began calling their corporate office again first thing this morning with out any luck of speaking to Joleen. I called 4 times throughout the day and was given different reasons why Joleen couldn’t take my call each time. I finally spoke to someone named Donna who said she is the Operations Manager. At the beginning of my conversation with Donna she was rude to me telling me that I didn’t need to continue to call because my contract had been cancelled. This information had not been passed along to me from anyone from UCS. I asked her if it was possible to get something in writing stating that my contract had been cancelled. She informed me that there was nothing she could send me and I would have to just trust her. Which still worries me honestly. What reason has this company given me to trust anything they say? Hopefully, my dealings with this company are finished. I would like to state that I am NOT a former employee of UCS. I mention this because Richard pointed out that the negative reviews they have on Google are all from former employees that he personally fired. I own a small sandwich shop in Cornelia, GA http://www.kadaydles.com. I don’t know how UCS is as a processor because we didn’t get that far. The dishonesty and unprofessionalism from their sales department kept that from happening. Side note, I just got an email from FedEx saying that the equipment that I’m supposed to get for processing with UCS is on its way. So even though I was told my account was cancelled it appears I may not be done with them yet. If I have any trouble sending the equipment back I’ll update this review.

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