Before & After Siding and Windows

Complaint: 11900012
I am rejecting this response because: It is false that I had the opportunity to review the merchant agreement, I received a copy of such a month later as per my request after being lied to. The representative that sold me onto this over the phone treated the virtual document as an application which needed no review, furthermore indicated that there would be a time later on, in the process to go over schedule of fees, rules and regulations. I made the decision to leave square, where I had no contract and no fees because as per the sales rep I would only pay $9.95 Per month but would enjoy lower transaction fees. How else would a business person with a proven track would switch a good service for a service without a tangible benefit??? it is clear this company it is promoting false advertisement in their sales speech and has horrible business practices. This company has a huge amount of negative reviews, based on the same claims I'm making, unfortunately for me, when a googled them, False advertisement (Leaders on of the 10 best merchant companies, part of wells fargo) came up 1st than their immense amount of bad reviews..........
Regards,
R[redacted]

Leaders Merchant Services strives to provide every merchant with the
highest quality merchant services possible. In our efforts to resolve this
merchant’s issue, LEADERS has thoroughly reviewed our Merchant Service records.
LEADERS has not and does not charge merchants rates and/or fees that have...

not
been disclosed to the merchant in advance. All charges to this merchant are as
previously disclosed and the merchant did sign a merchant agreement that
included an Early Termination Fee. As a good faith gesture, LEADERS will refund
a total of $19.98 (which covers the $9.99 ESP fee that was billed for November
and December). LEADERS wishes this merchant good luck in future endeavors and
considers this complaint closed.

LEADERS sends notifications to merchants via email and/or statement messages any time any one of our gateways is deactivated.

As previously stated, the communication between this merchant and the account executive were via email which includes the application that was submitted DocuSign. All fees that were charged are per the application this merchant was able to review prior to signing and submitting. Unfortunately, LEADERS is unable to issue any refunds and considers this complaint closed.

Complaint: 12571829
I am rejecting this response because:I never signed any agreement at all
Regards,
H[redacted]

This merchant spoke with the LEADERS Customer Service Department on February 1st regarding pricing concerns. Both the merchant and the Customer Service Department agreed to lower rates which were updated on the merchant account on February 6th. LEADERS will review the proposal that was...

submitted to ensure this merchant has the best pricing possible. A LEADERS Support Representative will reach out to this merchant to discuss this merchant's rates.

Our merchant service records indict this merchant was approved January 2014 and not billed the Monthly Minimum until October 2014 and the Customer Service Fee was billed April 2015 which were both part of increases this merchant was notified about via statement message the month before. The email this merchant received does not indicate these fees are waived for the length of the contract of 3 years. The merchant account application lists all fees that will/will not be billed on the account. This merchant was given the application to review prior to signing and because the application was submitted and signed by the merchant, all fees listed on the application are valid.

LEADERS has reviewed our merchant service records and confirmed the only transactions we show this merchant ran and completed were two $0.01 transactions. If merchant is able to provide the settlement report or receipt for the $30.00 transaction, we can submit to our Research Department as we do...

not show any charge for this amount. The $40.74 that was billed was for August’s month end fees as the account was approved August 12, 2016. Unfortunately we are unable to issue any refunds due to getting the merchant approved and activated per the merchant’s request.

The account executive advised this merchant we would only be able to set up face to face transactions and the merchant agreed since the merchant's website wasn't live yet. LEADERS wishes this merchant the best in future endeavors and considers this complaint closed.

LEADERS reviews all phone conversation for quality assurance and reviewed the calls between this merchant and her representative. The representative answered all questions this merchant asked during their almost hour long phone conversation. Unfortunately, after speaking with the Customer Service Department and going over rate adjustments, this merchant felt the need to close her merchant account. LEADERS wishes this merchant the best in future endeavors and considers this complaint closed.

LEADERS has reviewed our merchant service records and can confirm this merchant has only called in once regarding fees which was on August 3rd when this merchant spoke with Customer Service. The Customer Service Department went over month end fees with this merchant and agreed to prorate the ESP...

fee. This merchant became upset and requested a supervisor; however, the call was disconnected before the call could be transferred to a supervisor. LEADERS has sent this merchant the closure form via DocuSign to the email address on file. LEADERS is unable to closure this merchant’s account until the closure form is submitted. LEADERS asks that this merchant contact the Support Department with instructions on where to send back the card reader.

LEADERS asks that this merchant contact the LEADERS Support Department for additional assistance as that department is unable to leave a voicemail at the phone number on file.

LEADERS has been serving merchants
since 2000. We work hard to resolve all complaints our merchants have as
quickly and accurately as possible. In our efforts to resolve this merchant’s
issue, LEADERS has thoroughly reviewed our Merchant Service records, which
include the Merchant’s signed...

Agreement. The Agreements, formed by the 4-page
Merchant Application, and Merchant Services' “Program Guide”, clearly indicate
that the Merchant has, in fact, been billed correctly according to the
documents they signed. Our LEADERS Support Department has been working with
this merchant since their approval date by issuing refunds and lowering fees.
If the merchant would like to continue processing, we can make a few more rate
adjustments. If the merchant would like to close the account, we can also close the account and waive the Early Termination Fee. We ask that the merchant call Monica
at 800-985-2566 extension 130 with her decision.

LEADERS apologizes for the multiple transfers this merchant experienced and will get this addressed with each employee. As mentioned in the first response, all funds that were on hold were released to the merchant in March after this merchant spoke with the manager of the Risk Department. The LEADERS Support Department would be more than happy to go over this merchant's batch totals with him if he would like. The LEADERS Support Department can be reached at ###-###-####.

LEADERS gives every merchant an opportunity to review each application prior to submitting. LEADERS reviewed the phone conversation and the Account Executive stayed on the phone during the application process to answer any questions this merchant might have had. This merchant did not ask questions pertaining to the application.

While LEADERS understands this merchant's frustration, the steps LEADERS has taken are directly related to the facts involved with this merchant's activity. Our Risk Management department follows industry-wide standards and protocols, which are designed to protest us from the threat of high risk...

transactions and fraudulent activity. The facts regarding his merchant's actions are clear: 1) The merchant applied for a merchant account with LEADERS on January 29, 2016 and the account was approved that same day. 2) The merchant requested and was approved for a monthly volume limit of $30,000 and a maximum high ticket of $5,600. 3) Within the first 90 days following the account being approved, this merchant received 4 Chargebacks and processed transaction over both their monthly processing limit of $30k as well as their high ticket of $5,600 4) The 4 Chargebacks this merchant received indicate the customer believes the merchant ran fraudulent transactions on their credit card. As a result of risk associated with the merchant's activity, our Risk Department has place a hold on this merchant's account and is holding funds for a 90 day review. We have informed the merchant of this and a Risk Manager also called the merchant to go over this as well. Our staff will work diligently on the review and will keep the merchant informed.

Terminals that are provided by LEADERS are programed on a quarterly basis to pick up any updates. With Technology, we are unable to predict when an error that may arise. In this merchant’s case, LEADERS was able to assist this merchant by force closing two of their batches on two separate occasions...

to ensure this merchant’s funds were deposited into their account. The closure form was emailed to this merchant multiple times and not received back from this merchant. This merchant was billed month end fees for the thousands of dollars that were processed in September; however, September’s fees rejected. LEADERS will waive the ETF from the collection balance once September’s fees have been paid.

LEADERS works hard to resolve all complaints our merchants have as quickly and accurately as possible. In our efforts to resolve this merchant's issue, LEADERS has thoroughly reviewed our Merchant Service records, which includes the merchant's signed agreement. The $40 fee this merchant is...

referring to is part of the Free Terminal Program this merchant agreed to during the application process. In this program, the merchant agrees to process at least $3,000 in Visa, MasterCard, and Discover credit card volume in order for the terminal to be free. As part of this program, if the merchant did not meet this requirement in any given month, the merchant understood there would be an equipment fee of $40. The LEADERS Support Department has attempted to contact this merchant however have not received a response. LEADERS asks that the merchant contact the Support Department to go over other options for equipment.

LEADERS has reviewed our merchant service records and can confirm LEADERS was unable to withdraw this merchant’s application before the approval notice was received. As a good faith gesture, LEADERS will refund this merchant the Early Termination Fee that was billed. LEADERS asks that this merchant...

allow 7-10 business days for the refund process to be completed.

As previously mentioned, all contact information this merchant has provided with this complaint is the same contact information LEADERS has on the application as well as the IP address of where this application was signed. LEADERS can also confirm this merchant called the Customer Service Department on October 3rd stating they needed to close the merchant account due to going out of state and requested a refund for month end fees that were billed. This merchant declined all retention efforts made by the Customer Service Department.