i decided to check my bank account. i have only had one order since i unveiled the new site, and i had around $200 the last time i checked, but i was shocked to discover that pipeline data processing – the company i thought was going to help me process credit cards, before they charged me $45 for a month’s worth of services that i didn’t use because my site wasn’t set up for it yet, and subsequently, on april 7th, cancelled the account without ever processing even one credit card through them – had withdrawn $300 from my bank account yesterday! of course, this left me with a -$100 balance, plus a $35 fee from the bank.
naturally, i called them up to find out what was screwy. i didn’t use their services, i hadn’t incorporated their services into my web site, i had been a customer of theirs for less than a month – i originally signed up for a merchant account on march 16th, and cancelled it on april 7th – and they were withdrawing $300 that i didn’t have from an account that, presumably, they didn’t have access to any longer.
they told me that the $300 was an “early termination fee” and that it was “in the contract you signed”.
i didn’t sign any contract.
the entire transaction went on over the phone, and through email, and they have no record of anything other than a typewritten signature, which was not written by me, on a mishmash of text that they said was a contract.
as you can probably imagine, i was not very happy. unfortunately, since my injury, instead of being able to discuss the reasons for my unhappiness in rational words that actually make sense to anyone (including myself) i raged and ranted and stuttered and drooled and made a complete fool of myself to at least 4 different “customer service” representatives, before i finally got fed up with attempting to find out why a company that makes hundreds of thousands of dollars a day was, apparently, unable to waive a $300 “early termination fee” for services that had never been used, and hung up.
i called the bank and told them that $300 had been withdrawn from my account without my approval. they said that someone would be getting back to me “in writing” – read “by snailmail”. they also said that if my account remained in an overdrawn state for more than 10 days, it would be suspended.