I was contacted by Merchant Referral Services in October of 2009 by phone. It was first presented to me that this company represented Visa and Mastercard. I was told that they were looking for someone to cover the northern ‘half’ of Michigan and that if I signed up I would be given that territory exclusively.

I was told that the registration fee for me to do this would be approximately 0.00. I signed up with the company on October 26th, 2009. as an affiliate. There was also an additional ongoing fee of .00 monthly taken directly from my checking account.

In my home office, I was unable to get into the companies’ ‘back office’, the website/address where I could check on referrals I had submitted to the company. When I called the company, no one answered. I thought the problem was my home office computer, but tried from other computers/internet connections and still was unable to reach the companies’ ‘back office’ to check on referrals.

When I spoke to a company representative about referrals I had submitted, I was told that I had faxed the form to the company with ‘errors’ and would not receive credit/payment for the referral.

When I spoke to different representatives from Merchant Referral Solutions about the problems I was having with access to the company’s’ ‘back office’, and not being able to track referrals, I was told something completely different by each new person I spoke to.

I feel I was lied to about who/what Merchant Referral Solutions really is/was. I know I was mislead about their relationship with major credit card companies and how the process actually works if you do sign up as an affiliate with them.

I did speak to someone from Merchant Referral Solutions about a specific business that I turned in as a referral/lead that had later been contacted by someone else for their business. I asked this man if Merchant Referral Solutions had a sister company that referrals were submitted to. I believed my referral was sold or given away to someone else by Merchant Referral Solutions.

I have been unable to reach a solution with this company. I would like a full refund of my initial affiliate fee of 5.00, as well as the .00 monthly fee being taken from my checking account since October of 2009.

I take care of my husband, Bob, a disabled veteran, full time and was hoping this company would be a solution to financial struggles we’ve already had, not something else we would have to worry about.

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Im currently 21 yrs old and am interested in getting my credit score as high as possible so i can buy a house soon. What are the main factors that contribute to your credit score. I had a credit card and am in the process of paying the card off but should i keep it or cancel it, (they charge me about 15 dollars a month even when i dont use it). Also i have a car payment automatically taken out of my checking account, does that help?. And do small bills like tv bill and cell phone bill go on your report?. Is it good to have alot of stuff in your name as long as you pay? Thanks for all answers!

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To make a long story short, I had a merchant credit card processing account setup through the original creditor, Cardservice International, approximately 4 years ago. During that time I only made a few charges using the account. They were large charges and totaled just over ,000 altogether. These charges were never deposited into my bank account and I was contacted by a man working with their fraud management department. He wanted me to send out products before receiving the funds so I did not agree and I stopped using the merchant account. I also contacted my bank to block their access to my checking account.

Now they have hired the collection agency Allen & Associates on their behalf to collect the ,000 that they never gave me in the first place! I’ve obtained former bank statements from Wachovia and spoken to a branch manager. I attempted to send this information to Allen & Associates, but the agent on the phone refused to provide me with a fax number where I could send documents to dispute this debt and told me that I should just get an attorney because they will sue me. They did "claim" that a representative from Wachovia will be present to testify that the deposits were made so tomorrow I plan to bring the list of supposed deposits into a branch to get a certified letter from a branch manager stating that they were not. This invalid debt for ,000 is also on my credit report as of right now. I’ve disputed it and it was removed at one point, but it appears that A&A has reported it again.

I need to legal advice on how to proceed. I’ve tried to dispute the debt, but obviously they will not allow me to even show them the documentation I have to support my claims. If I do file a suit against them do I file against the CA or the original creditor?

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I want to make an online purchase, the merchant only accepts Visa or Mastercard. I have a savings/checking account, Discover card and a paypal account with a positive balance. Is there a way to purchase a prepaid Visa or Mastercard credit card online so that I can make the online purchase?
Travelman the merchant not only doesn’t take paypal but doesn’t even take discover card which is my backup card on paypal. Also, I already filled out the form to get the Paypal debit card but it said it takes 4 weeks to arrive in the mail and in the meantime they don’t give you the card number like green dot does until the card arrives so I need something faster for immediate use.

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I was balancing my checking account where I very frequently use my Visa check card (and have for a very long time). I noticed a "swipe" for an amount that I was not familiar with, but at a walk up deli that I do remember going to. Now, I am aware that when you buy something, that you can write in your tip, and when Visa gets the signed slip they add the tip AFTER THE FACT. But in this case, the slip I signed was for the purchase amount, but my activity statement showed that the "initial/purchase" swipe at that amount PLUS a 20% tip. As I tip with cash and lined out the tip portion in my slip, when it was finalized and posted it only posted for the initial/purchase amount. But, how can a merchant get a slip for 1 amount, and "swipe" for another at point of service? Also, since they did "add" the tip, if I had not lined out that portion, would the Visa processing center leave the higher amount the one to post even when getting the slip I signed if the tip portion is blank? How does THAT work?
Please let me be clear, I am not having a problem with my credit, nor do I need links on how to get or clean up my credit. This question is on how the MERCHANT can do/get away with what they are doing…. Thanks.
Again….please, I do not want solicitation for other websites that can "search" for my answer. I am using Yahoo Answers for this purpose. If those websites are so great for my question, you can go get the answer and let me know what it is. Thanks.

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I have a Wal-Mart Discover card that I use for gas and minor purchases that I pay off every single month. Over a year ago, I paid my bill online and by the time the check was processed, I didn’t have enough money in my checking account so my check was returned. I paid the fee right away along with whatever my balance was and continued using my card. Suddenly, at the end of November, I tried to use my card and it got declined. I thought this was so weird because I called the customer service line and was told that I had PLENTY of available credit and my next bill isn’t due for 3 weeks. The card still didn’t work and kept getting declined. I called the Wal-Mart customer service line literally 10 times and was put on hold for about 20 minutes each time… (a COMPLETE waste of cell phone minutes). They kept telling me that they reset my account and that my card should work and didn’t know what was causing the issue. Finally, after the 10th call, and being transferred through about 5 departments, a lady told me that they are putting a hold for 1 billing cycle on anyone’s account who has had a returned check. THIS WAS OVER A YEAR AGO! I was NEVER notified that a hold was going to be placed on my account and this is just a wonderful little gift right in the middle of the holiday season! Is this reasonable? I have NEVER heard of this before and I think it’s ridiculous… Any thoughts?

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I need a merchant service ASAP! Everything I have researched seems to have hidden fee’s as well as "hidden contracts". I am only 18 and have no credit so Google Checkout denied me and Paypal closed me down because I mad 00 my first week… somehow they get to keep it for 180 days??? BUTT WIPES!!! ANywho, I just need a good merchant service which can get me on the up and up and back on business ASAP. I have a family to provide for! Any advice would be considered any help would be appreciated. I have a checking account and debit card. All forms of ID… all the what not. THANK YOU!!!

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For unknown reasons our business merchant has put a block on our account so no money is being transferred into our checking account (since the 28th). No one will talk to us regarding what is going on. They’re telling us have your lawyer call we’re not allowed to talk to you.
Is it legal that without knowing what is going on to shut down this merchant and find a new company to run our business? We have checks going out of the account and we need the money. Also any idea why a merchant company would put a hold on the funds and not willing to talk unless its through a lawyer?? thank you

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For unknown reasons our business merchant has put a block on our account so no money is being transferred into our checking account (since the 28th). No one will talk to us regarding what is going on. They’re telling us have your lawyer call we’re not allowed to talk to you.
Is it legal that without knowing what is going on to shut down this merchant and find a new company to run our business? We have checks going out of the account and we need the money. Also any idea why a merchant company would put a hold on the funds and not willing to talk unless its through a lawyer?? thank you

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For unknown reasons our business merchant has put a block on our account so no money is being transferred into our checking account (since the 28th). No one will talk to us regarding what is going on. They’re telling us have your lawyer call we’re not allowed to talk to you.
Is it legal that without knowing what is going on to shut down this merchant and find a new company to run our business? We have checks going out of the account and we need the money. Also any idea why a merchant company would put a hold on the funds and not willing to talk unless its through a lawyer?? thank you

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For unknown reasons our business merchant has put a block on our account so no money is being transferred into our checking account (since the 28th). No one will talk to us regarding what is going on. They’re telling us have your lawyer call we’re not allowed to talk to you.
Is it legal that without knowing what is going on to shut down this merchant and find a new company to run our business? We have checks going out of the account and we need the money. Also any idea why a merchant company would put a hold on the funds and not willing to talk unless its through a lawyer?? thank you

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