9 Updates & Rebuttals Read More About : Jared Isaacman United Bank Card Mike Warrener Mike Warren Mike W
REVIEW UPDATE: April 16, 2015: Harbortouch remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Harbortouch is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, Harbortouch has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.
Over time and since becoming a member, Harbortouch has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Harbortouch remains committed to improving customer satisfaction.
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October 24 2008. Jared ISaacmans' company UNITED BANK CARD is a merchant credit card processing center.
They are a rip off in the BIGGEST WAY. They hold money from the merchant for days longer than allowed. It has been told to us by OTHER merchants credit card companies THAT THEY ARE FAMOUS for holding funds back, and using it to make their payroll for employees.
If you have a customer do a chargeback, (When a person who bought from you, gets their money back , NOT FROM YOU, but the credit card company, because they lie and say they did not buy anything... UNTED BANK CARD will freeze your money in your account AND NOT GIVE you your money that you earned from sales.
YES, they are doing it. AND they have been known to take your money from you for LOTS of reasons.
Meredith Vieira Co-Anchor, Today Show did a great story on hime 2 years ago. Said how wonderful he was to be a multi millionaire at such a young age. HEY MEREDITH..please do another story on him NOW. Today. It is really bad news! Jared Isaacman, United Bank Card... you are gonna get caught. The FEDS are lookin at you.
What a horrible thing this company did to us. Taking and freezing our money. In this economy, and hard times... we need the money to feed our family.
It is disgusting what they do. Read ALL the stories ehre on Rip Off. It is stunning
Bxxxx on wheels
Ashveille, North Carolina
U.S.A.
Mike O.
Bethlehem,#2UPDATE EX-employee responds
Mon, February 14, 2011
To all of the people that think that United Bank Card is a rip-off please read the following statement.
I worked for Harbortouch a sister company of United Bank Card under the title of Technical Supervisor and worked closely with United Bank Card's management. I cannot tell you how many times we have done good for the customers of United Bank Card and Harbortouch. I understand that it may be frustrating when funds don't come in on the day you expected but a representative can help you, be patient and give them what they need to resolve your issue. Some complaints deal with hold times. Well to be frank yes just like any other national company during peak times it gets crazy with the phones. When I started with Harbortouch in 2009 I started on Tech Support. Let me tell you the amount of calls I got was insane. Now, with that being said I tried my best to accommodate each and every customer to my fullest ability. It is funny how a perfectly normal person will get aggravated over something that may not be a big deal. My beginning to end call average was about 15-20 minutes and 99 percent of the time ended with a polar opposite person then when they originally called in. I am not bragging that I was a "superstar", there are many other reps that have this same status. On the United Bank Card side, the turn around time is much lower. Trust me United Bank Card and Harbortouch are truly good companies. If you don't believe me ask for the documentation of the contract and read it for yourself. I was always amazed with customers that would sign up with United Bank Cards processing and be very happy, but then they stop making money and the complaints start coming. Please take the complaints on this site and many other sites with a grain of salt. All you need to do is read and ask questions. They will help you with anything you may need. Or if you would like to speak with me please use the following email: [email protected]
I have nothing to loose to tell you the truth since I do not work for United Bank Card anymore.
I am giving everyone the opportunity to discuss with me how they got ripped-off and hopefully I can give some advise on what to do next.
Regards,
Michael Orange
Md
Baltimore,#3Consumer Comment
Sun, April 12, 2009
Freeze RegencyShop's money, as I am still waiting for my credit card company to refund my money from this phony business. I am glad as The Customer, I am protected when using a credit card upto 6 months. Yes, Hold The Money from RegencyShop, I have filed my chargeback.
Guyrichie
Chicago,#4Consumer Comment
Thu, February 12, 2009
It is almost laughable to see that employees of this fraudulent company are actually taking time off spamming messages boards to respond here to hide the truth. This company in reality is the biggest fraud in the history of merchant accounts. They hold your money hostage and will not release it for 6 months. Even if you have shipped the items to the customer. DO NOT USE UNITED BANK CARD!!! STAY AWAY FROM THIS FRAUD MERCHANT!!! The customer service is horrible. You will stay on hold forever and is impossible to get a hold of any supervisors. I am suing them in my local court as we speak. There are many complaints about this United bank card throughout the internet. United bank card ir united bank service is a FRAUD, RIP OFF company. File a complaint against them with the Attorney General of New Jersey. Once again, STAY AWAY FROM UNITED BANK SERVICE! They are nothing but liars, fraudsters who will stop at nothing to take your money.
Chris Rotondi
HAMPTON,#5UPDATE Employee
Mon, November 10, 2008
We see another horrible rebuttal from a bad merchant. This person is completely incapable of understanding the fact that everything they are complaining about is completely justified and that United Bank Card is within the right of the Terms and Conditions. The fact that his lunatic has nothing better to do then insult people on the rip off report speaks volumes of the character of this person. This person has spoken to people on the phone and has also written on the rip off report using nothing but threatening language. If you would like to threaten with indictments or would really like to something besides complain in a forum please do so. I would advise you go to the BBB or maybe get a lawyer, you would quickly learn that you have no case and everything you are upset about is because of YOU. The complaints or charges you have are about as valid as the product you seem to sell. YOU have the unhappy customers who charge back not United Bank Card. Please look at the person in the mirror and realize that YOU are the person who should be reported on the rip off report, YOU are the scam artist not the company that is trying to protect itself from bad merchants like YOU. Maybe if you do this you will have more time to actually keep your customers happy and prevent charge backs, maybe another processor will do business with you for a few months until they also realize that you are incapable of running a business and are once again receiving charge backs from unhappy merchants. I have to ask the rip off report to prevent this person from replying or posting anything in the future as his complaints are nothing but personal attacks and are peppered with rhetorical questions that are completely irrelevant. I am pretty sure one time the reader was asked if the writer was an idiot..... I think based on all conversations with this person and his inability to understand what a chargeback is and how they work the answer to that is an resounding YES he is an Idiot. The person filing this complaint should feel free to contact Chris Rotondi at United Bank Card if he really has to discuss his unwanted closed account any further. If not please he can bang his head continuously against a wall until he finally figures out that rational normal people don't do that, maybe then he will understand that in order to be a reputable company like United Bank Card he should sell his customers what they order not just take their money and give them nothing Thank you
Ubc Fan
Clinton,#6UPDATE Employee
Wed, October 29, 2008
I have been in this business for many years......funny how the ones that complain the most are the ones who are violating Visa/Mastercard rules and regulations and then they blame there processor. THis merchant was running two businesses out of his home and running all of his transactions out of one machine. When his customers saw a charge from a company they did not recognize they charged it back. It was only when he was caught running fradulent transactions (it is illegal to run transactions for two businesses on one merchant account) on his terminal that he had a problem with UBC. In chargeback issues money is held according to Visa/Mastercard regulations NOT to pay our payroll. It is a cardholders right to file a chargeback and up to Visa and Mastercard to settle. You also mentioned (in one of your three posts posing as different people) that Mr. Isaacman does not return phone calls. Well let me tell you I get his voicemails and there has not been one message from you to him at all. Mabye you should worry about running a legitimate business yourself instead of bashing Jared. Anyone who knows Jared is smart enough to know that nothing you said about him is true. You should be lucky enough to be as intelligent and successful as him.
Bitch on wheels
Ashveille,#7Author of original report
Tue, October 28, 2008
Chris, you can't spell worth a d**n. Worse yet, you do not have the facts in my case. You are generalizing, and you need to get your resume out there....you will need a new job soon. In my case, I did not have what you said "Excessive charge backs". What is excessive anyway? I had 3 of them in 4 months. 2 of them were from the illegal aliens who have been allowed to have US Bank Accounts and Credit Cards. I shipped them the products, they received it. THEN, they call their bank credit card company and make a dispute, also known as a Charge Back. They kept the product AND got their money back. So, uh...how is that a good plan that you have in place? These people are professionals, they do it all the time. They get free products. Your company won't protect me. I take the huge hit, and you penalize me. You threw a GREAT customer under the bus! Do me a favor, explain that to me. EXPLAIN it. I gave you the facts, now explain it. Your company was faxed this info from me, emailed this info from me, called in this info... was there another way I should have communicated, besides these 3 technologically acceptable modes of communication? Drop a note from a plane? Oh, I could have had your owner, Jared Isaacman do that for me!! He likes to fly expensive jets! In his ridiculous jumpsuit. Your company is CLEARLY having financial issues, and the credit is FREEZING/FROZEN. So, you hold money for 180 days (6 months) Interest free. Wow. Nice for you. The FTC needs only 1 more complaint filed against you and they will do a FULL investigation. At this point Chris, with the rapid and numerous merchants who your company has ripped off...I think it is time to get that resume together. But for goodness sake USE SPELL CHECK! OH..and one more thing that I am certain you do not know about. But you should. The way a Search engine works, like say GOOGLE, is this. The more references to a word, name, etc. that an article or blog (this forum here) has, and the MORE words it contains, and the MORE it is added to, the MORE POPULAR it is in the search engine. I see that your President Jared Isaacman has RipOffreports about him on the first page of google! So, Chris... keep answering all the rebuttals on this RipOffReport.com, about United Bank Card, Jared Isaacman, and Mark Ward, and all these RipOffReports will keep moving higher in the Search Engines, and will take over the first pages of all search engines, Jared Isaacman, Mark Ward, Chris the Job Searcher, and United Bank Card UBC, New Jersey.
Bitch on wheels
Ashveille,#8Author of original report
Tue, October 28, 2008
Chris: - I am replying here, in this forum. Your rebuttal is weak, like you. Your following comment tells all! ...here it is....... "I would like to be more in depth but as usuall a merchant number is not provided nor is any contact information."........ First of all Chris, you can't spell worth a d**n. I found 6 errors in your rebuttal. Second: The statement says it all! You have this problem alot don't you? Rip off report has dozens of merchants who found a way to get to your company, for the damage you have caused. Only 1 more report needs to be filed with FTC, and your company is officially under investigation.!!! You are part of the scam, so be careful...you could easily be indicted too. Ha!! Finally..... HOW MANY merchants DON'T know about RipOffReport, and are just sitting there, with no money, and you are holding it. and they have no way to let the rest of the world know...what your company is doing to people and their MONEY????? The words in your rebuttal statement "as usual" gives it away! This happens alot to your ruthless company.... No, I won't post my merchant number on here. What an idiot you are. And I HAVE CLOSED my account. MerchantOne, Cardservice, and claims that you closed MANY accounts recently, due to the credit and banking problems you are having. Just BAMM..you close them, with ridiculous excuses. AND THEN HOLD THE MONEY from the merchant for 180 days!!!!! That is half a year! AND, I did not infuriate my customer, and that is not why they did a chargeback on me! The truth is, AS I TOLD your company over and over, they are Illegal Aliens, using a credit card that they have no intention of paying on. WHEN I CALLED the credit card issuing bank of the Illegal Mexican Aliens, they told me thiese Aliens had disputed / done chargebacks on 12 items from many companies. THEY ARE GETTING PRODUCTS FOR FREE....... And you know it. THEY NEVER contacted me, and complained about the beautiful product they received. THEY ARE PROFESSIONALS AT THIS. Anyone can do a chargeback, and you all let them. YOUR AGENTS GET $10 bucks when there is a chargeback. You charge me $30, which means you get $20, plus the money for the sale. YOU LOVE CHARGEBACKS. AND YOU LOVE CLOSING ACCOUNTS, because you can hold the money for 180 days. Interest free. THIS IS THE BIGGEST RIP OFF I HAVE EVER seen. Your days are numbered. Get that resume out there Chris. If, anyone would hire you with your ignorant spelling errors. Do spell check, before you send that resume.
Chris Rotondi
HAMPTON,#9UPDATE Employee
Mon, October 27, 2008
one last note regarding how ignorant of a complaint this is.... This person also seems to be under the impression that if they have a customer despute a charge made at there merchant location United Bank Card is responsible to pay this charge back on behalf of the merchant while they also get to keep the money for the fraudulent transaction. This complaint file is fraudlent, and is made up of the most backwards thinking I have ever encounterd. if a merchant can actually make a transaction that isn't FRAUD maybe they will not have chargebacks. If the merchant can actually not infuritate their customers to the point of charging back Maybe they will have not have to file dumb complaints calling laced with profanity. Maybe the customer who charged back on this merchant should put them on the rip off report. Please contact me when ever possible at [email protected] so your account can be closed. thank you
Chris Rotondi
HAMPTON,#10UPDATE Employee
Mon, October 27, 2008
It is unfortunate that the person writing this complaint has been given such bad advice regarding the credit card processing industry and had resorted to personal attacks on the owner of United Bank Card. It also unfortunate that this person take the word of a competitor as truth and seriously beleives that funds from merchants need to be held to cover payroll. I am not sure how that competitor who told you this conducts business but that is not how it needs to be conducted at United BAnk Card. I will offer some insight to complaint. I would like to be more in depth but as usuall a merchant number is not provided nor is any contact information. I will provide my emial address in the hopes that i will be contacted to help recitify this specific complaint. a credit card transaction can be chargedback by the issuer of the card or the cardholder anytime within 6 months. Merchants can get paid for these transactions as quickly as 48 business hours. If a card hold charges back anytime after that the processor is responsible for paying the issuer back. the "crooks" at united bank card woudl have to pay these 17000k back. since United Bank Card is responsible for the where abouts of these funds for the other 178 days of this authorization it has every right to hold and verify these transactions. I find this complaint completely slanderous and uninformed. please contact me at [email protected] if you are seeking any real resolution to this issue. thank you