Absolte Air Industries

AppStar Financial received this merchant’s close letter on January 15, requesting her account be closed on her anniversary date of March 6, A copy of this letter has been attached The account was closed on March 6, with a final bill for March generated the first week of April We believe that this final bill is what caused the merchant to believe the account remained open A message reviewing this matter was left with the merchant on April 8, We believe this resolves the merchant’s issue and would like to thank her for giving us a chance to address this

? Good evening,? This email is to confirm the acceptance of the proposed resolution for case #? [redacted] between [redacted] and Appstar financialIn the resolution, Appstar has agreed to forward the disputed amount in exchange for my acceptance and understanding that an exception is being made.? Best regards, [redacted] ***? Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me.? I will wait? for the business to perform this action and, if it does, will consider this complaint resolved ?

AppStar Financial spoke with this merchant on October 20, 2015.? During that conversation it came out that she had met with another processing company after signing with AppStar and they had offered her lowered rates based on their review of her agreement with AppStar Financial.? It should be noted that AppStar Financial signed her up at raw cost with a .25% markup on volume and a $markup per transaction.? The other company, who would have known she was in an Agreement when they reviewed our rates, countered with a .20% markup on volume and $markup per transaction When we spoke with her we explained that AppStar Financial has a match or beat policy.? However as she had not attempted to cancel until after the account was approved on October 12, she was told that the termination fee would standIn an attempt to resolve this, we offered two solutions: 1.? ? ? ? ? ? We would lower the termination fee to the $she had already paid or 2.? ? ? ? ? ? We would waive the annual fee and lower the rates to raw cost with a .05% markup on volume and $markup per transaction We have since been notified that a stop payment was placed by the merchant on the check we received and are awaiting [redacted] to accept one of these offers.? It should be noted that [redacted] has made use of our work product by providing our rates to the other processor and this, along with the costs we have incurred in setting up this account including shipping in both directions are the underlying reason for the termination fee being charged.? In truth, as the fees rejected, the full termination fee of $should be charged, but as the offer had already been made as settlement we will stand by it We ask at this point, that [redacted] accept whichever offer through the Revdex.com so that it becomes part of the record.? A copy of the email sent to [redacted] has been attached for review

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below After reading the response from App Star, They forgot to mention the $monthly fee I was charged after days of service, they didn't mention the $annual fee I was charged after one week of service or the $transaction fees for the weeks of service or the $early termination feeIn weeks or so of business I was charged over $ I should not be charge these fees especially a early termination fee, I was told from the sales person I would have daily rates which was a lie, They stated they tried to contact me about the return of the machine in all the phone calls made not once was that brought upAs far as the other fees how can a company charge a monthly fee and an annual fee in weeksMy machine that I have been using for years is on my phone line and works greatNot to mention that was not brought up until a week after I received the equipmentI reviewed a lot of other complaints on line about this company and almost everyone I read it was the same complaintI asked this company for the return of my money and I would let it go, They said noI lost business and a lot of time on the phone chasing these issuesI feel my time and aggregation is worth more than $ The last conversation I had with them , Mr Barton stated he would call me back the next day and did notWhen I called him back and asked him why I did not get a call back he stated he forgot, I called him a liar and he said no I forgotEvery time I was told I would get a call right back it took days, then I would have to call them backThis company also stated to me there into this business to make money, that there not lying aboutI am looking for a full refund for my grief and aggravationThis could of been all in the past but they refused to comply Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The responder to my complaint says that my business is to interpret DOT regulations That is indeed true...for DRUG AND ALCOHOL TESTING!!! I have very specialized knowledge in DOT compliance for interpreting how the government wants certain people drug tested for the purpose of public safety If you ever need to know anything pertaining to that, I'm your person to ask I do interpret the fine print for my clients The fine print on ONE page document that has remained the same for the past years And, any change that is made to that document, I am personally informed by phone call from my agent at the DOT The REASON I'm in business is because people are not able to do this with every government regulation The same is true with credit card processing As for disclaimers and terms of contracts that are written in point font and pages long and contain jargon about banking and other types of compliance...I'm clueless All I know is that if I were to expect a certain term length of a contract for a client of mine, I would make it CRYSTAL CLEAR what those expectations were I would not hide that term deep into the outrageously long contract The agent at Appstar asked me to settle my compliant by refunding me the upcharges they added after my contract went into effect I believe I'm also owed those upcharges I have NEVER received any statements from Appstar and never received any notice that he claims I was given Apparently, I was expected to log into some secret portal to view this information I was never notified of this AND...in order for them to collect this money, they encouraged me to ask my new processing company to pay it I asked them, they said "no" Which is good with me because I don't see why anyone should have to pay this silly fee You can close this case as me being completely unhappy to have worked with Appstar They are going to autodraft the $from my account I would call that embezzlement, except it won't be secretive or hidden Appstar is a crappy company who will go down on my list of bad companies...for whatever that is worth Regards, [redacted]

AppStar Financial has spoken with this merchant and believes this issue has been resolved AppStar would like to thank MrLaingor for contacting us and for his assistance in resolving the issue Per our conversation, upon MrLaingor’s acceptance of this offer through the Revdex.com, AppStar will issue the following refunds: March a Monthly Maintenance Fee: $b Monthly Minimum: $c Platinum Benefits $ May a Monthly Maintenance Fee: $b Platinum Benefits $ Equipment Fee: $ Termination Fee: $ All refunds, with the exception of the equipment fee will be processed within seven business days of the merchant’s acceptance of this offer The equipment refund will be issued within seven business days of AppStar receiving the terminal back A call tag has been emailed to the merchant at [email protected] to assist with this return Yours, [redacted] AppStar Financial

Based on his complaint and conversations with [redacted] ***, we reviewed all calls between the merchant and the corporate rep who set up the account.? [redacted] believed that there had been a conversation regarding the termination fee as well as a call back in which he was asked to review the account and commit verbally to it.? The second point is typical of lease verification callsAs [redacted] did not have a lease with AppStar Financial or Merimac Capital, the leasing company we use, this would not have taken place Regarding the fees and [redacted] belief that the rep misrepresented them:? AppStar Financial has intentionally grouped all fees on page of the Merchant Application and Agreement.? This is different than most other processors and was done with the specific intent to make our application easy to read.? The only fee for credit card processing not listed on this page is the termination fee, which is square off, bolded and set apart on the signature page so as to draw the signor’s attention In reviewing the conversation, the rep was very clear as to what markup the merchant would see on his transactions and even advised the merchant on how to get a comparative quite from his bank to ensure he was getting the best possible rate.? Over multiple follow up calls with the merchant, nine in total, there was no further questions regarding the rates and fees.? The merchant did inquire as to how quickly after submitting the paperwork he could begin running transactions.? The calls took place over a twenty day period from October 1, through October 22nd Regarding the final billing, we have reviewed with [redacted] that that was billing for his final month and could not be billed until the month had closed.? In reviewing the calls with [redacted] ***, it appears he may have mixed up conversations he had with AppStar Financial with those he had with other companies.? Barring any additional information provided by [redacted] ***, the fees will stand as charged as there was no misrepresentation we could find.? We have scheduled a follow up call with [redacted] for October 3rd, so that he can review the calls as well

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me.? I will wait? for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint.? For your reference, details of the offer I reviewed appear below Appstar was contacted in early and several times since, with detailed issues of how their changed terms were no longer a good fit for our company and notification was given that we would not be continuing to auto renew the contract? This was done in clear terms and no chance that it was not understood? They refuse to accept that? They clearly have a "Fatal Attraction" personality when it comes to termination of business relationships? They also misrepresented the personal sig/ guarantee when originally requiring it on a year contract they we fulfilled with zero issues? These same complaints are not the first time they have been called to task for this bad behavior? Many complaints are public with similar complaints against them? Having the Revdex.com not represent this issue with them is clearly a lack of responsible oversight for bad business practices? ] Regards, [redacted]

We are in receipt of the complaint from your office from the above merchant dated December 10, Prior to being contacted by your office, AppStar Financial had reviewed this matter at length with the merchant On November 18, Ms [redacted] as well as the other independent stylists at Devine Designs met with [redacted] , an Independent Sales Consultant, and signed a Merchant Application and Agreement for credit card and gift card processing with AppStar Financial As part of this Agreement Ms [redacted] et al signed that they had received and reviewed the Agreement They also affirmed that no verbal commitments had been made Without these signed affirmations, AppStar Financial would have rejected the Agreements The accounts were approved on November 24, with the exception of the Agreement signed by Ms [redacted] , which was pended for additional documentation regarding her FTIN number On December 7, Ms [redacted] contacted AppStar Financial and requested to close the accounts During this call, the merchant stated she had not reviewed the Agreement at the time she met with the consultant, but had relied on verbal statements from the consultant In her complaint, Ms [redacted] states she was told certain fees would not apply It should be noted that AppStar Financial clearly groups our fees on the Rates page for readability, specifically to avoid these issuesAll fees questioned by Ms [redacted] were clearly listed on page of the Merchant Application and AgreementAdditionally, changes were made to the Agreement by the consultant and Ms [redacted] altering the Discount Rates, Breach Protection Program, Monthly Minimum and Monthly Maintenance Fee demonstrating that the fees had been reviewed and agreed upon However, after further review, the Merchants’ accounts have been closed and all fees have been refunded to the Merchants in accordance with the Merchants’ request Ms [redacted] has been contacted and apprised of this decision [redacted] ***Director of Operations AppStar Financial

AppStar Financial would like to thank the merchant for her assistance in this matter.? Based on the information in her response, we were able to pull an independent coverage map for ***(attached), which shows that [redacted] has weak 3G signal in her area.? In the past, we have advised merchants experiencing this to contact their provider, in this case ***, and request a signal booster, which should fix her connectivity issues.? To clarify, the application has no effect on the merchant’s connectivity that is handled completely by her carrier.? The only action that the application takes is to direct the phone to connect over either WiFi or 3GRegarding the statement, we would need to see the August statement from her previous processor as that was the last full month she processed with them.? If that is not available we could look at a July statement assuming the volume was approximately the same.? A later statement would not assist us as it would show either the cost for a partial month or a month where she was inactive with the previous processor.? This can be emailed to [email protected]

AppStar Financial has contacted this merchant to review this matter.? This merchant purchased [redacted] ***, a proprietary system which requires that the merchant process credit cards through a sales office for FirstData.? As the system is proprietary and the merchant is unable to use a standalone credit card terminal, we have agreed to waive the termination fee upon receipt of a signed closed letter.? This may be faxed to [redacted] .? The merchant will need to ship the terminals he received to AppStar Financial to avoid being charged non-returned equipment fees.? These can be sent to AppStar Financial Viewridge Avenue Suite C San Diego, CA Attn: MID We’d like to thank the merchant for his assistance in addressing this issue

As I stated I did call to cancel prior to the most recent call and I don't have the date and it was probably some time in and that is when the said something about early termination and I was still using the service once in a while so I thought perhaps we could stick it out until the early termination they spoke of wouldn't be an issueThen our use went to zero and the cost was obviously high for something we weren't using so when they wouldn't give on the early termination I started investigating the contract because that was Harry's answer to all my arguments even though? there was no mention of early termination in my conversations with the repand the conversation as I? recall was along the lines of only a small monthly fee of? $and then the small percentage on charges of % Once I started digging I realized they changed the monthly fees early on and Harry has an answer for everything, but his answer to this one was I was supposed to log on to their web site and there I would've gotten notice of fee changes and that the contract that I was told was only a simple agreement I was signing so they could access my bank to deposit funds and pull out their feesSo as you can see on this "agreement" Contract Mr.? [redacted] ? conveniently mark the spots for me to sign but the vast majority of what is in this contract was not discussed with me verbally and their own recordings prove thisI think that if you are buying something from someone and the charges are going to be adjusted after the fact and there are any additional charges it must be discussed verbally if it is part of an agreement or contract you are asking them to sign.? there are more pages I will need to send additionally.? ? ?

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I am currently on vacation and don't know if they sent the informationPrior to my husband and I leaving they contacted us telling us they weren't paying for the full repairThey are trying to tell me the appraiser said my car was missing emblem on hood prior to accident and it wasn'tAs of today I am not happy with the communication and serviceI should get the full repair cost not partial and I didn't receive anything but a message prior to leaving for vacation.Regards, [redacted]

AppStar Financial has spoken with this merchant Based on these calls, she submitted a copy of the [redacted] January statement and contract for comparison.In speaking with her, the complaint seemed to center around the following issues: She felt that AppStar was charging more than her previous processor She had been charged for non-returned equipment Her [redacted] account was still open and they were threatening to charge her a $termination fee.AppStar Financial did a review of her January statement with [redacted] in comparison to our January statement This showed that AppStar was charging her .76% less per month resulting in $in savings over [redacted] Later that year, the merchant added debit services through AppStar and the percentage savings increased to 1.19%, the monthly savings over [redacted] increased to $or $per year We reviewed these savings with the merchant.On January 19, the merchant was charged a $non-returned equipment fee On February 18, we received paperwork from the merchant allowing us to refund this fee This was ACH'd to the merchant on Friday February 20, and should shows as a credit by her bank on Monday February 23, 2015.In regards to the termination fee, AppStar Financial has sent paperwork to assist the merchant in covering this and scheduled a follow up call forWednesday May 27, to assist her in closing the [redacted] account

On December 15, Mr [redacted] met with an Independent Sales Consultant with the express intent of reviewing his credit card processing At that time he signed a Merchant Application and Agreement for his business Digital House Computers As part of that Agreement, Mr [redacted] was lent a terminal and was allowed a day trial to try the service out This was later extended to days to allow him to process for one full calendar month prior to deciding to go forwardAppStar Financial has reviewed Mr***’s complaint and request he provide back up for the following: He mentions a $fee We could not find a record of this fee being charged If he could send us a copy of the bank statement showing the charge we will investigate it further Mr [redacted] states he was charged “application fee 149, reprogramming fee $encryption fee$anuel imprinter $25” fee We show that these fees were waived Again, we request back up for the charge Mr [redacted] was on a day trial which was extended to February 23, We need an explanation as to why he waited until June to address this Mr [redacted] was lent a terminal to process onHe has yet to return or pay for the terminal He will need to either send a check for the equipment or the equipment back in good working order to: AppStar Financial Viewridge Ave Suite C San Diego, CA We’d like to thank Mr [redacted] for his assistance in resolving this matter

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint.? For your reference, details of the offer I reviewed appear below I have said MANY times I do NOT wish to be contacted by phone from this company yet they continue to do soI want any replies in writing and on the recordPeriod.This is just another example of them ignoring a customer's request NOT to be contacted by phone and again violating the DoNotCall list Regards, [redacted] ***

Mr [redacted] doing business as Special Equipment CoLLC met with an independent sales consultant on February 24, and signed a Merchant Application and Agreement, a commercial contract, for credit card processing using both a dial up and a wireless terminal.? ? He then contacted us a year later on February 9, and added the debit service to this account.? At that time he opened an additional account for ecommerce transactions.? He continued to process on both accounts through February 9, and February 17, respectively.? Both accounts were closed in March due to Ach rejects.? The rates and fees he questions are listed on page of the Agreement.? Page of the Agreement, a signature page, references the early termination fee of $per account.? The autorenewal is listed in the Termination section of the Merchant Services Terms and Condition, which the merchant signed he received in and again in Without the autorenewal clause, we would have had to terminate Mr [redacted] service on the initial account on March 2, ?" four years prior to his final transaction and Mr [redacted] would then be justified in complaining about the resulting interruption this would present for his business.? This is why accounts are set up to auto renew.? This is common in any service industry such as credit card processing, cell phone service etc.? It should be noted that the merchant had called in previously: in when he asked to have the monthly minimum removed and in when he called in to tell us he had switched processors and he wanted the early termination fee waived as a result.? In the first case, we were able to lower the monthly minimum to fifteen dollars and in the second case, the request was declined.? It is common practice in the merchant services industry for the new processor to cover the termination fee for the merchant.? AppStar Financial regularly does this for merchants and we advise the merchant to contact his new processor to see if they would offer reimbursement.? Alternately, he can reopen his account with AppStar and the termination fee would not apply as long as the account remained open per the Terms and ConditionsA copy of the Agreements signed by the merchant as well as the Terms & Conditions has been attached to this response to address his concerns regarding rates.? It should be noted that the card issuing banks (***, [redacted] , [redacted] and [redacted] ) raise their rates every April and October.? AppStar Financial reviews these increases and makes a decision as to whether or not to pass the increase on to the merchants or to cover it for them as a cost of doing business.? In the majority of cases, AppStar Financial has chosen not to pass this increase on.? However, over time, these build up and we are required to pass the cost on.? When this occurs, a notification is included in the monthly statement for the three months prior to the increase taking effect, providing the merchant ample opportunity to contact us for a rate reviewFinally, we cannot honor Mr [redacted] request to not contact him as he is in Collections for the owed amount which would include the final month’s fees, the return fees and the termination fees for both accounts.? Per the Collections Manager, the merchant has not responded to attempts to contact him.? If he wishes to address this, he can reach me directly at 858-712-or the Collections Group at 800-633-between 9:a.mand 6:p.meastern time

AppStar Financial is in the business of selling credit card and other electronic processing services to businesses who accept cards as a form of payment from their customersFor this reason we are only interested in calling businesses and purchase our leads of business-only telephone numbers from a [redacted] vendorWe were provided with [redacted] as being owned by a business by the name of [redacted] [redacted] which is why we called it AppStar Financial offers merchant’s multiple ways to be removed from our call list including but not limited to: verbal requests to the agent during the call, email requests, requests through a third party such as a Consumer Affairs agency as well as by calling the [redacted] A merchant calling that number is directed to enter their ten digit phone number followed by the # sign This automatically removes them from our callable database We have contacted [redacted] and, based on his request, blocked this and an additional number from our calling database Additionally, we have addressed this as an HR issue with the parties involved as our internal policies were not followed We’d like to thank [redacted] for his assistance and hope this adequately addresses yours and [redacted] concerns

Mr [redacted] is incorrect in his assumption that debit transactions are charged a $fixed fee Debit cards are charged a fixed transaction fee plus the debit network fees which are billed on a pass through basis These fees average an effective rate of $For November, Mr***’s raw cost was $for debit and $for credit We have adjusted his fees to bring the effective rate for credit down to $which is below the effective rate of $for debit, which Mr [redacted] paid in November If Mr [redacted] would like to have his machine prefer debit over credit, we can place him on an older AID However he will need to sign a letter stating that he understands that this may result in him paying a effective transaction fee for these transactionsThis can be faxed to 866-336-