I formally terminated my merchant account with Payroc, LLC (Merchant ID: 520002649576) several weeks ago, but the account has not been properly closed. Despite providing clear written notice of termination and returning all Payroc equipment, the company has continued charging monthly fees, including PCI non-compliance fees, even though there has been little to no processing activity on the account.
Payroc has repeatedly insisted that I sign a "Change of Ownership / Add Signer" form in order to close the account. This form was not requested by me, is not related to closing the account, and I do not consent to sign it, as it would impose new contractual obligations that I never agreed to. I have made multiple attempts to resolve this issue directly with Payroc's representatives, but the company has refused to close the account or stop assessing fees.
In addition, Payroc has stated that because my bank account was linked for ACH withdrawals, I am automatically responsible for all charges. This statement is misleading and incorrect, as ACH authorization does not determine legal liability. I have already notified my bank to stop all ACH withdrawals while this dispute is pending.
I have filed formal complaints with both the Indiana Attorney General and the Illinois Attorney General regarding this issue, and I am seeking immediate resolution. This includes the closure of the merchant account, deactivation of all terminals, cessation of all future charges, and written confirmation from Payroc that the account has been terminated without requiring any change of ownership or additional contractual obligations.
This review is a factual account of my experience as a Payroc customer regarding account termination and ongoing unauthorized charges. I am sharing this to inform other potential customers of my experience and to encourage Payroc to address this matter responsibly. read more