Consumer reviews and reports on scam companies, bad products and services
Expect Payment Solutions - Derek Garvin
Credit Card Processing Scam Artist
2nd of Oct, 2018 by FoolMeOnceShameOnYou
Where to even start. I'm a small business owner who had done business with Expect for about 7 years, never having many issues except periodically they would contact me & tell me we needed to change processors & I would have to do a bunch of paperwork. Apparently this was a symptom of a bigger issue. This last time Derek Garvin as I understand it had sold his clients to another company. Once the accounts were switched to the new company he didn't cancel our account so we continued being billed $123.90 per month on top of the fees from the new company. Each time I would reach out he would throw some BS at me indicating that I'd been scammed & he would try to get my account back. He would pretend to be my advocate & eventually told me he would at least make certain that my rates were the same or better than I had with him. Meanwhile I was out $650 +

This went on for about 6 months. I should have stayed on it more, but I'm always so busy & struggling to keep up. I would lose track of it here & there & "knew" Derek was probably just busy too & doing what he could. I finally after about 6 months wrote & said I needed him to stop withdrawing from my account & we could set it up again if or when he got us switched back to Expect's services. I told him I needed this taken care of by the end of the month(August) and that I was putting a stop-payment on my account for them. Here is his response:


Let me be clear, you switched away based on bogus information and I have the name and number of the gentlemen who was responsible. I have done everything I can in order to get in touch with him and let him know this was not a legitimate deal and now you want to go to the Vancouver and Portland Business Journals and spread the word about my bad work ethics to others?

I have every right to charge you the full cancellation amount of $795 based on the agreement if I chose to do so. Your recourse here should be with Radiant Merchant Services and Jeremy Fox who ultimately goes through Pivotal Payments, he is the responsible party who created this mess.

At this point, I am passing this along to my attorney and I will let you know what he says and whether or not any fees apply for closing your account.

Good day,

Derek Garvin | President & CEO

So, I wrote back:


Let me be clear. You don’t scare me with your threat of contacting your attorney. You have been dragging this out for months, all along still collecting fees from us & never giving me any real information. I have every email from you & the folks who took over my account including the ones in which you assured me I wouldn’t have to pay any of these months of invoices or any cancelation fees. My company is the victim here & I am certain anyone I explain this situation to will agree with me. You want to try to go after me for a cancellation fee of which you’ve already stolen $645.25 from me? Funny how all these months you have been stringing us along & now I finally have had enough & you resort to threats.

Your attorney can’t be very good & must charge you very little, because collecting an additional $195 on this doesn’t pencil out in any way for you. Even less for you than it has for me thus far.

This response lets me know you are exactly who all the negative reviewers have claimed you are. I was a loyal client for MANY MANY years & if you can’t understand that your lack of follow through over these past 9 months has me frustrated & wanting to demand action you aren’t very business savvy. I would NEVER respond to a client of ours in this way. Only someone who has been called out & knows they are being less than honest would come back with threats like this.

I’m clarifying one more time; get this cleared up & my money refunded by the end of the month or I will be letting everyone I know about your tactics. When I say everyone I intend to include the Better Business Bureau, the WA State Attorney General, the Federal Trade Commission, the Vancouver & Portland Business Journals, Scam Informer, Rip Off Report, Rep Digger, Complaints Board, Card Payment Options, Yellow Pages, Reviews Talk, Bird Eye, Google, Yahoo, Bing, Facebook and any and all business contacts we have in the Portland & Vancouver area. I will provide copies of your email & include this last one to show exactly who you are. I will also be turning over the balance you’ve taken from us to our collections agency.

I look forward to hearing from you and or your attorney in order to get this matter concluded.


He then tried to back-peddle & pretended he was trying to help me again. I told him I need to know my account has been closed & for him to ensure there were no further billings and that they would not try to collect the final $123.90 that I had not allowed to be processed by issuing the stop-payment. A couple days later I received a collections notice for $123.90 plus a $100 collections fee. And then the fun began again. Derek pretending he was only ever trying to help me and that I had been scammed into switching and that we didn't turn in our cancellation on time, blah, blah, blah.

Our cancellation had been turned in by myself & the new processor back in March. Additionally the contract I was on with Derek's company had no cancellation fee as it had been deleted from my most recent agreement by the person from his company handling the last switch of processors in November 2016. And yet he is still threatening me with contacting his lawyer to collect a $795 ccancellation fee from me. Yesterday I got a second collections notice for the $123.90 plus $100 fee. So I wrote to Derek again:

Hello Derek,

I received a second notice today for the collection of $223.90 (final months fees of $123.90 plus a collections fee of $100.) I am requesting again that you halt these collections efforts on my account. Both myself & Jeremy Fox notified you & your company months before you finally canceled our account so there should be no funds due. In fact you actually owe me $645.25 which I will turn in to collections as well if this effort is not stopped immediately. In addition, if this pursuit of my company for the collection of $223.90 continues and has any adverse effect on our company I will have no choice but to hire an attorney and report your deceptive practices to Visa, MasterCard, American Express, Discover and the Federal Trade Commission. I will also bring this matter to the attention of the Washington State Attorney General.

I look forward to the immediate cancellation of this bogus debt. Please have the collections agency send me a formal cancellation notice indicating this case is closed and there will be no further attempts at collection.


And he responded with BS yet again:


Could you please go ahead and resend me the proof that both you and Jeremy Fox sent in cancellation information to me? Given the fact that I tried to help you when this all first came about, your threats and demeanor are not appreciated and depending on what my attorney says, we may go ahead and proceed with the collection of cancellation fees owed. Do you have the official cancellation efforts from both you and Jeremy because I don’t recall hearing from him or from you based on your time frame.

Derek Garvin | President & CEO

My response:


I’ve already given this to you. I’m done playing. You didn’t try helping me, you are full of it. You stalled & kept collecting my money. Call off the dogs or I will be contacting Visa, MasterCard, American Express, the FTC and the State’s Attorney General to file a formal complaint.


This guy is a scam artist. It is my understanding that he's gotten himself backed into a corner financially due to selling his clients & them not being what he claimed they were. I don't think those collections notices are even real. Also hilarious that he CC'd an email account called [email protected] on his last message to me. He's the only one that still works for that company as the owner/president or whatever he calls himself. So, [email protected] is so laughable.

Just stay far far away from Derek Garvin, Expect Payment Solutions & whatever else he becomes next.

Looks like he may be doing something in Oregon now too, a company called DZE LLC has been organized as of 2017. Just beware!

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