Consumer complaint received 2020-11-02
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In response to Global Payments Check Services Global Payments Check Services continues to deflect blame for their misrepresentation of facts with respect to what they claim are truthful assertions. The fact is that what I experienced in reality compared to what they claim happens as a result of their supposed " Terms and Conditions '' couldn't be further from truthful. The statements in their response below delves into mischaracterization of their own processes and seems to belittle consumers by thinking that people will just assume what is in their " Terms and Conditions '' instead of outright listing out verbatim what will happen as a result of returned checks with respect to fees. Global Payments has been red flagged by my bank and no further transactions will ever occur with this company. Global Payments Check Services has wrongfully accused me of malice as to what they've used against me as described in their response, specifically routed towards me when they claim that my statements are " malicious and defamatory ''. I take offense to the abusive language they've used against me. The frivolous and libelous nature of these statements expands into false statements and outright fabrication. As a result, I am now a victim of injury from this company. Respectfully, I will not contact the company 's Counsel as I am now being injured and harmed through words by the company as they attempt to conceal any ounce of the situation and use aggressiveness against consumers for questioning motives. Global Payments Check Services has offended me on multiple occasions, over the phone from employees who would start raising their voices and yelling to the inappropriate and unprofessional conduct as to how they operate on a business level. Any further declarations that will offend me shall be given to my attorney. 

I encourage any CFPB agents to carefully read these Terms and Conditions from this website. Respectfully, in Paragraph 9 through Paragraph 9.5 Titled " Payment Transactions and Payment Fraud '', there is not ONE SINGLE ENTRY OR CALLOUT to what the total cost of the Fee will be in the event of a returned payment. This company is not looking at the Terms and Conditions that were provided by the PA Lottery through Global Payment 's subdivision " Gaming Services ''. Instead, they are trying to find any source of BS to make their case sound legitimate. I can assure you ( and this is my opinion ), it is extremely fishy and I intend to get to the bottom of it! 

Terms & Conditions : https : //www.pailottery.com/signup/terms-and-conditions/ Global Payments Check Services recent inappropriate response to my complaint : As of the date of this response, Mr. XXXX has filed a total of seven ( 7 ) complaints regarding two ACH transactions which he authorized but were returned unpaid by his bank due to insufficient funds. In first complaint, Mr. XXXX asserted that the debt was not owed by him ( see XXXX ). A timely response was provided with supporting documentation to evidence our position in this matter and has been the case in each instance where the consumer has raised a new allegation or concern. Nonetheless, we shall attempt again to address each and every concern raised by Mr. XXXX in this most recent complaint. Mr. XXXX asserts, This company 's Terms and Conditions do not include details of what they charge for return fees. This is an objectively false statement. The terms and conditions to be a patron in our VIP Preferred Program detail considerations regarding a dishonored ACH/check which was authorized by a patron. Paragraph Six of the terms and conditions of the VIP Preferred Program reflects, 6. ACH AUTHORIZATION You authorize Global Payments to initiate debit and credit entries to the checking accounts at the depository financial institutions for which you have provided information. The debit for a transaction can post at your financial institutions within twenty-four ( 24 ) hours from the time you initiate a transaction. You further authorize all transactions at any gaming establishments that participate in the VIP Preferred Network to be debited from any of your designated checking accounts. Your authorization will remain in effect until Global Payments has received written notification by you of its termination and up to thirty ( 30 ) days has been allowed to process the request. You understand that checks or debits returned unpaid by your financial institutions are subject to a returned check fee of XXXX U.S. dollars ( {$15.00} ) or the maximum amount allowed by state law which also may be debited electronically from any of your accounts or collected using a bank draft drawn from any of your accounts. The full Terms of Service for the VIP Preferred Program that MrXXXX XXXX accepted can be found at : XXXX : XXXX Mr. XXXX further alleges, This Companys employees/representatives are giving false information and the company 's employees only state what they are told to state even if what they are told to state is false. The representatives become aggressive over the phone making my client to feel uncomfortable. We deny these statements to be a truthful or accurate representation of our interactions with Mr. XXXX nor have we communicated with any third-party with whom he identifies as, my client. MrXXXX XXXX concludes his most recent complaint with the following statements, This Company is telling me to speak to their attorney instead of actively resolving the concerns I have with the company. The company evades all responsibility for their violations of my consumer rights. The forum for all communications shall be through the Consumer Financial Protection Bureau portal. Stop closing Complaints just because you don't want to deal with handling them. We have advised Mr. XXXX that as a result of his malicious and defamatory statements, that we are willing to further engage him directly, however, such communication must occur with our Division Counsel. Our Division Counsel may be contacted at : XXXX XXXX

Company response to consumer: Closed with explanation