Comments on: TMF’d – What to do if you are are placed on the terminated merchant ‘match’ file…

By: Timothy

Timothy — Tue, 26 Apr 2011 16:41:39 +0000

Help Im on the TMF filess but need a m lunation merchant account ! can you please help me ! firstbank first data rosalie put me on t tmf blacklist !

By: Keith

Keith — Wed, 13 Apr 2011 17:18:19 +0000

I have had the same issues as all of you above. It seems the “little guy” being us have no say or authority to dispute these complaints and for the most part are blown off. Most of us are just trying to make a living and pursue our entrepreneurial interests, when we are basically shut down by the “Corporate Guy”, who doesnt explain the policies, fees, consequences, how to resolve, as long as they get your john hancock and get you locked in and access to your accounts. I would ask and recommend filing complaints consistently with the BBB, FCC, IRS, and SEC, and any other alphabet agency you can think of. I make it my goal each day while I continue to operate my business to file a complaint, send an email, write a letter, or make a call to one of these agencies explaining the issue. Eventually they will respond. It takes persistence and diligence on this, but I believe real soon we will see some changes in the way this processing is done and even some companies being hit with criminal charges and unethical practices. Now either that or you can just do some research and find out who is in charge of the risk management, and making the changes to take you off the list and hire the mob to go be a little influential. Just be patient and do your due diligence and hang in there

By: Ash

Ash — Tue, 15 Mar 2011 22:22:58 +0000

I would stay the ***k away from Wells Fargo – iPayment. We had roughly two hundred transactions in the first month – about $4,000 in business. Our website provides instant downloads of purchased products – no possibility for non-delivery of product – and customers can log back in to redownload anything they have purchased once within a year of making the purchase. We had a couple of non-English speaking people who did not follow directions elect to file chargebacks. I talked to both them and to Wells Fargo (iPayment).

The customers had not made any attempt to contact our company before filing the chargebacks. The chargebacks totaled less than $150.00.

iPayment terminated us, held a thousand dollars in cleared transactions and then attempted to debit another $1,000 from our deposit account at Chase, against the possibility that someone may claim they did not receive their product at some point in the future.

I explained the fact that our products are instantly available and delivered to customers and invited the person in “Loss Prevention” to take a look at the account. He did, and then he said, and this is an exact quote, “Well, I need UPS tracking numbers for your sales.”

After spending nearly an hour on the phone with various people I just plain gave up.

After PayPal (who we worked with for years and moved because of the promise of fewer problems and better customer service with lower fees) I didn’t ever expect to have to deal with people this thick headed.

As a matter of fact, the people at iPayment (Wells Fargo) in Loss Prevention make the morons at PayPal look like freaking rocket scientists!

If you use iPayment or are thinking about it, well, you’ve been forewarned. I would try someone else.

By: Ron Haven

Ron Haven — Sat, 17 Apr 2010 13:26:59 +0000

Our firm was TMF’d by First Data when we went with another company. Our last day with First Data was Feb24, with no problems regarding any chargebacks. We went with another company who gave us better transaction fees, plus better service. The beginning of April our current processor informed us we were placed on the TMF list, due to chargebacks, a week after we left First Data. In our contract we have a 100% money back guarantee clause, with no questions asked. Our staff that are considered closer’s, when informing the prospect about the money back guarantee were bascially stating that you don’t have to worry about getting your money back because you can always just call you credit card company or bank and instruct them that due to their personal circumstances, they want their charge taken off and credited back. Basically we were instructing our clients to get a chargeback rather than just calling our company and we would have refunded their service fee by check or we would credit their credit card. Any advise from someone out there on how we could state our case to whomever? Our current credit card processor has inactivated our account, and I as an account representative basically have lost a very big account because they are not allowed to process cards for this company now. I just find this practice unethical or elligal, due to no due process, or guilty before being proven innocent. Any additional advice out there. Thx, in advance.

By: Larry

Larry — Wed, 17 Mar 2010 10:30:32 +0000

I am starting new business was placed on TMF do to a sales rep. that changed the business type on the application because his company didn’t accept my type of business. After a few months with 0 chargeback first data closed all my accounts. Wanted to know with new business should I put in my brothers name or can I get a merchant account. Will be card present business.

By: Shell

Shell — Wed, 27 Jan 2010 07:10:55 +0000

Anyone ever delt with bank card pros or blue pay .. opened my business in oct .. by jan they had me on the tmf.. said they never collected fees on 3k of charges .. i have proof they did .. they also sold me the pos system which i know now stands for something other then Point of sale.. Anyone know who to process with while on this list during the litigation .. i just opened i dont need to close already .

By: James

James — Mon, 25 Jan 2010 02:13:31 +0000

Anyone out there actually gotten taken off the TMF list successfully?

By: frank krogh

frank krogh — Fri, 22 Jan 2010 17:01:45 +0000

We started processing w/1st data on 11/20/09, by 12/23, they stopped paying us, and attempted to debit about $8000 from our account. We had NO chargebacks, but were put on the black list. The personal guarantor is our VP, I did run my card through the business for a side business I have, to purchase advertising from us, I thought this was OK, since it wasn’t the personal guarantor’s card. They want invoices for these, but I wonder if I should send them. Do I have any hope of getting off the list? Thanks!

By: Larry Bradfield

Larry Bradfield — Mon, 11 Jan 2010 20:47:48 +0000

There are a lot of reasons to be placed on the TMF match and I would say that the best place to start is the Company that placed you there. Online Transactions and Chargebacks can be the most common ways to get on the list.

By: Linda

Linda — Mon, 16 Nov 2009 16:04:57 +0000

i would be more than happy to help anyone who is on a tmf file