Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: CA

Complaint narrative:
A merchant service representative named XXXX XXXX, of XXXX XXXX XXXX came to my restaurant, XXXX XXXX XXXX XXXX, unsolicited and told me I was paying too much for credit card processing and offered to lower my payments. XXXX XXXX reviewed my current contract and the associated equipment leases and XXXX XXXX assured me that by switching companies to XXXX Payments I would save a lot of money. I would simply have to pay a cancellation fee of approximately {$500.00} to XXXX but he told me the savings would be well worth it. I went ahead and agreed to transfer over to a new processor ( XXXX XXXX Payments ). 

A few days later XXXX XXXX came back to my restaurant and presented me with new numbers for a different company that he also works with, XXXX XXXX, and XXXX XXXX said that XXXX was a " better, easier to deal with company '' than XXXX Payments. XXXX XXXX said he is no longer representing XXXX XXXX Payments due to " issues he has had with their management and shady business practices. '' XXXX XXXX said that since I had not installed the equipment nor signed a " Delivery and Acceptance '' form for XXXX Payments, he could proceed with getting me to sign up with XXXX instead and that he would take care of the details. I received the documents from XXXX in an email so at XXXX XXXX 's direction I signed them electronically. 

XXXX Payment, First Data, XXXX Pay and XXXX are now charging me. All XXXX are threatening legal action and claim that I have binding contracts with them. 


I have reviewed the signatures on the First Data and XXXX XXXX Payment contracts and they are not my signatures. I did not sign the documents and they are forged. 

I have tried to contact XXXX XXXX and he refuses to return my phone calls and will not undo what he did. I can not locate a physical address for him. 

XXXX XXXX signed the contracts as the Sales representative and he may be the XXXX that forged my name on the XXXX Payments and First Data agreements. 

Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX Fax : XXXX XXXX Payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Data Merchant Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX faxXXXXXXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX I do not have any of the equipment left by XXXX XXXX. My attorney returned the equipment to its appropriate company, XXXX XXXX Payments and XXXX. 

My attorney, XXXX XXXX, has tried to resolve these issues with all the companies involved. XXXX XXXX will not respond to XXXX XXXX XXXX and the other companies will not agree that no contracts are binding on me based upon the fraud of their agent, XXXX XXXX. 

I request that XXXX Payments and First Data recognize that I never signed any contracts with them and to stop harassing me for payment. I request that XXXX and XXXX acknowledge that their agent committed fraud and agree that I am not bound by any agreements with them and for XXXX to stop trying to collect payments from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation