Public Mediation

Itegrity Payment System Dispute

A. M. vs. Integrity Payment System
1700 Higgins Road, Suite 690, Des Plaines, Illinois, 60018-5621, United States
    • Status: In Negotiation
      This claim has posted for public comment and negotiation. It will remain posted until resolved to the claimant's satisfaction. Suggest a resolution to help these parties reach a settlement.
      (seeking public comment)
    • Claimant Seeks: View.
    • Claim #: 6437247
    • Amount Involved: 448.00
    • Filed On: Sep 17, 2014
    • Posted On: Sep 28, 2014
    • Complaint(s):
      • Policy
      • Circumvention of rights
      • Failure to disclose facts
  • Review this case.
  • Propose your solution.
  • Win the reward (1,000)
Statement of Claim
Claimant says:
"On 8/11/2014 Integrity Payment Processing System (IPS) wrongfully withheld a payment of $842.35 from our business checking account upon the alleged dispute of a cardholder (a patient seen in our dental practice on June 27, 2014 ) who was correctly billed for her portion of services. The cardholder dispute has no merit because cardholder is a patient insured by Cigna, she has a 50% deductible which she was required to meet making her portion $991.00, and services were rendered on June 27, 2014. The cardholder was given a 15% discount, after which time she was required to pay $842.35.
We have provided IPS documents showing the exact nature of the transactions that took place on June 27, 2014 and a copy of the claim that was submitted via our electronic billing source, DentalXChange. We also provided IPS with documentation of the patient’s account history which also shows that despite her $842.35 payment, and despite the claim that was submitted to the insurance company for reimbursement, the cardholder still has an outstanding balance of $630.
It is our belief that IPS has mishandled what was a valid transaction on our part and in the process entertained a cardholder's frivolous dispute which has no merit. We further believe this act on IPS's part to be intentional, questionable, and in violation of a number of Visa guidelines along with our merchant rights for the following reasons:
1. Our right to be notified beforehand: IPS violated our right to be notified of a chargeback before it occurred. Instead of notifying The Dental Team, PLLC it moved forward with the chargeback. We have just now, well after the fact, received a written notice.
2. Lack of consistency: IPS previously handled a dispute resolution for $104.00. In that instant, it contacted us, and gave us the benefit of determining if the cardholder dispute was valid. We were given the opportunity to say whether or not the dispute was valid. Conversely, in this dispute, we were given no such opportunity. In the instance of $842.32, IPS simply debited our account without affording us the same opportunity as it before.
3. Incorrect patient handling of dispute: The patient did not exhaust all effort in resolving this matter through our company and obtaining a refund if one was due. Before notifying her bank, she was to make a good faith effort to obtain a refund or credit from the merchant or understand why one was not warranted. A letter, documented telephone call, etc., would have sufficed. She, however, made no notification attempts. IPS was informed of this and dismissed this salient point.
4. Notification Process: IPS's notification practices in handling such large dollar amounts have been inconsistent. It notified us of dispute by leaving the message on a voice mail. By the time we returned the call the following day, it had already processed the dispute without speaking to us. On other occasions, it had notified us in writing.
5. Mishandling of chargeback: Did not take the proper steps to remedy the chargeback by not given this practice the opportunity of having the sale "resubmitted" or remedied. In essence it jeopardized us to lose sale.
6. Misrepresentation of Visa Guidelines: Has stated that visa mandates that it withholds fund during dispute yet appears to be applying MasterCard's policy, which it sent to us. Visa's dispute does not require IPS to with hold payments.
7. Report to Credit Bureau. While we have advised IPS of our desire to terminate account and contract in light of their mishandling of this and other disputes, they have refused to accept this notification, which is our right in light of the fact that IPS has knowingly compromised our business and have placed us in a very compromising position with our banker .
8. Failure to make subsequent ACH deposits: IPS has failed to make subsequent deposits of $25.00, $190.00, and $233.00 and have not provided a rationale for withholding these deposits. So, while IPS purports that it is dues $605.00, it actually owes the Dental Team, $1290.00.
or as little as you want. You’ll be able to add more or change what you’ve written on the next step."
Reply Have a similar problem?
Exhibits View
Additional Communication Between Claimant and Integrity Payment System Hide
  • Feb 02, 2015, Claiming party added:
  • I never received this message b/c the email address on file with PC was inaccurate. However, this message contains no resolution , and our subsequent discussion with Greg Osgood, VP of Operations included no resolution. We did however hear from your collection agent who was attempting to collect $1,600 for us. My email address is: And I have left Mr. Osgood with my telephone #.

What Claimant Wants Hide
1. Payment due: 0001 Oct 01, 2014 $25.00
2. Payment due: 0002 Oct 01, 2014 $190.00
3. Payment due: 0003 Oct 01, 2014 $233.00
Cash total : $448.00
  • 0
Do you agree with the claimant’s demands?  (If you are a party to this claim, click here.)

Respondent's Counteroffer

There has been no response to this claim from Integrity Payment System. This claim will remain posted until resolved
Get fast access to our Resolver community, for...
  • help with a PeopleClaim or any other complaint
  • assistance with a purchase or contract
  • expert advice
Other PeopleClaim resolvers
Get Free alerts when claims post in your area.
Get Alert

Need help resolving a dispute? Learn more.

Public Mediation

The shortest path from your problem to its resolution.
Peer to Peer

Engage the other party and use powerful tools to negotiate the best resolution.

If Unresolved
Community Resolution

Post your case online and get help from legal professionals, industry experts, consumers & advocates competing to find the best resolution to your claim.

$14.99 + optional reward for best resolution
Full refund if not resolved to your satisfaction
If Unresolved
Private Mediation

Lets you mediate your case privately with the help of our professional mediators and industry experts.

Free to claimant. Mediator fees negotiable.
If Unresolved
Engage a Professional

Find the best community-reviewed professionals near you to resolve your issue in private online mediation or traditional court/mediation.


A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart.

I am (not) alone, and I feel the charm of existence in this spot, which was created for the bliss of souls like mine...~ Goethe

Get a public verdict — create an online trial $50 public trial / $50 reward for successful resolution
Important: All information contained herein is the opinion of the posting parties, who are solely responsible for its content. PeopleClaim offers both free and paid services to help consumers, patients, employee, tenants, and others resolve disputes without lawyers or courts, through negotiated online settlement and public disclosure of wrongdoing or unfair treatment.
Claims against parties operating under bankruptcy protection, by law must be processed solely through the appropriate US bankruptcy court. Any claims against this party currently posted on PeopleClaim are available for purposes of public business review only and are not an attempt to collect money or recover assets subject to protections under the United States Bankruptcy Code.
*IMPORTANT: PeopleClaim is a public dispute resolution system, independent of the BBB, small claims court, or other dispute resolution services. PeopleClaim is not a law firm and does not provide legal services, opinions, or advice. PeopleClaim facilitates peer-to-peer negotiation and resolution and crowdsourced input on issues of fairness to help resolve complaints. Users should contact professional legal counsel on any matters of law or regulation regarding their claims. PeopleClaim does not review or evaluate the merits of claims submitted through its site, and users are solely responsible for all content filed in their claims.
© reserved by PeopleClaim