Mr De Vitis, a sales representive is canavassing Southern Califorina, offering very low rate, no contract credit card processing service for business. But Beware!!! he is a low life, pice of shit lier. Don't fall for him, he will say anything but read the contract first. I found out the hard way, on my statement there is all kinds of additional fees, plus it is a 3 year contract. Early termination fee of $495.00. Worst of all the corporate comany First American Payment System is aware of it and will not do anything about it. This tells me that they are part of the scam. To this date Federal Trade Commission has received over 3, 500 complaints against First American. FTC also has filed a law suite in Federal Court against them. IF this has happen to you file a complaint with the FTC and Call ABC7 Los Angeles they are interested in exposing these scums.

I had a small business in capitola, CA. I had to close the business since May09 and realized that I still have an open contract with FAPS until May2010.

Even my business had been closed I continue to pay FAPS on monthly charge of $11 through my business checking account.

January 2010 I wrote to FAPA a letter request them to send the bill my home (I have been update my home address with them since May09) since I have to close my business account.

Feb 17, I received their collection letter for full amount of $636. I call their number 18006331702 to resolve the matter.
1) the lady refused to give out her name.
2) she refused to record my conversation with her.
3) she refused to let me have conversation with her manager.
4) she made statements that they do not have to send the bill to my home. If I once closed my account, they terminated my contract and I have to pay full amount.

I felt FAPS "blackmail" me for $636. I believed I have my right to receive the bills if I chose not to debit from my checking account.

This is bad business that FAPS practices. I hope together we could send them a message that bad customer service will not get them too far.

I am the owner of a computer repair shop in Veneta, Oregon. A little over a month ago, a representative of this company came into my office and promised me a positive experience with this company in helping me to process credit cards in my shop. Since that time, I have had nothing but headaches, and unanswered questions. I was told that I would only be charged around $50 per month, and I would be told ahead of time, what date I would be charged, so that I knew to have the funds available. That failed to happen. I was hit with charges right away into my account, resulting in several overdraft and insufficient funds fees. I made only one transaction into the account, using the machine, which funds I never got to use, because it was never available because of all the charges made by the processor, and all the subsequent over draft fee’s that were generated as a result of these charges. Then the account continued to be hit by further charges that were unexplained to me. The representative refunded me $100 in cash out of his pocket to offset this issue, but that did not even come close to reversing the large negative balance, nor put it into the positive close to $200 where it should have been. I have called and left messages with this guy, and most of the other companies involved with this company that I no longer wish to try to work with any of these institutions in order to process credit cards. As of yet, no one has returned any of my calls. I want this policy canceled and I feel that they have breached the contract, not me. On top of everything else, our account was just hit again today for the ridiculous amount of $667.15, putting us into the negative -$404, before further overdraft charges and insufficient funds fees! This is after receiving a letter that they are going to charge me $769.25 with absolutely no explanation as to why I am being charged! We have gone to our Bank, and challenged all of the charges and instructed them not to allow any more charges to go through. Please tell me how to return the equipment and end this nightmare. If someone does not make this right, I am going to contact the Better Business Bureau, and any other authoritative agencies that I can find, as well as take legal action.