Card Payment Direct

I signed on and had issues immediately. . Too numerous to mention., when I closed two of the businesses out of three they continue to charge me after I closed and sent back equipment was told I would get credit as I was charged 109 each location for 5 months and did not get a dime back. They pirkmised get never never delivered. Meanwhile I kept my main location with my original processing company which is excellent. I should hVe gone with the company insteD of trying Simeon’s new that says “ Salon” attaches to it. My I’d number 4223699516011591. Do NOt use. Was a big mistake on my part

As our initial response stated we placed the refund to Mr. [redacted] on June 27, 2016. As explained, the refund typically takes 3 business days for the ACH deposit to fully process (this does not include weekends and holidays). Due to the July 4th holiday the deposit could have been delayed to the merchant’s bank. On July 7, 2016 we have confirmed that all refunds were processed by our processing bank and cleared on our end.

Buyer beware!!!! Hidden fees.

I wish to close my account ASAP. I have not had service since September and have never experienced such terrible customer service in the 30 years I have been in business. First off, all the fees were never explained to me. Be that as it may, I figured it was the price you pay to offer that convenience to your customers. The first issue I had, the display on the processing unit went out. No major problem, the unit was replaced and I was told I could dispose of the faulty unity ,(Thank goodness I did not). A few months later, probably around July, the 2nd unit would not connect to my phone line. So I called in, and after 3 attempts at different locations at my property, I was told to take it home and try it there!?!?!?!?! With my business, and the hours I keep, that just wasn’t feasible. So I called again, either late August or September for some assistance, and explained my situation. The lady was very nice, and said she would have someone from customer service reach out to me and get this straight. Well, that never happened. Finally I called to cancel my account in October. I was told that the problem was my phone lines….news flash, nothing changed since it worked perfectly; that I called the wrong number for customer service,(I enclosed the card I was given with numbers to call, how is it the “right” number isn’t listed???), and finally I must return both units, even the one YOUR REPRESENTATIVE told me to throw away, at my own cost!!! As you can see by my account, it cost me quite a bit for as little as I used your service. Call me dumb for falling for this initially and not reading all the complaints on the Revdex.com Website, but there is NO EXCUSE for the lack of communication or poor customer service. Here are you units. I would like to see a credit, but if that doesn’t happen, I at least do not want to see any more bills. This letter will be added to the list of complaints.

April 11, 2014

4428 North 12th Street

Phoenix, AZ 85014-4585

Re: ([redacted], Complaint ID # [redacted])

 

Dear [redacted]

 

We are writing to you in reference to the complaint filed on 4/8/14

/>

First off, we (Card Payment Direct) are very sad that one of our many thousands of customers is upset with us or upset with something they assume (Card Payment Direct) is responsible for! That being stated, we have always and will always do our best to ensure our customers are taken care of and treated fairly.

The merchant processing account which is referenced in this complaint was approved on 2/28/2014 per receipt of the signed merchant application and agreement. The customer called us on 3/6/14 to let us know she decided to stay with her current provider and wanted to cancel service. We informed the merchant that it would be ok to do so, but we needed the credit card terminal returned back to us, we needed a signed letter of cancelation and that the account would not be closed out until 30 days after receipt of said cancelation letter (which she understood, acknowledged and agreed to provide). We received the credit card terminal back from the merchant along with a letter of cancelation on 3/18/14 and immediately started the process of closing the merchant account per the customers instructions. On 4/8/14, the customer called asking why she was charged money from us and we explained it was for the $5.00 monthly fee and $25.00 monthly minimum for the month of March (again, the account was an active account in March and was not set to close for 30 days after receipt of the cancellation letter which is 4/17/14). The merchant was unhappy about this so as a 1 time courtesy, we offered to reimburse her the full amount charged to her (March’s fees) and she willingly accepted our offer. Much to our surprise however, that very same day she filed a complaint with the Revdex.com regarding this matter and closed her

bank account which prohibits us from doing any debits and most importantly any credits / refunds / reimbursements like the one we agreed to do. Unfortunately at this point, it is humanly impossible for us to issue this 1 time courtesy credit because the account is no longer open and valid. In light of this however, we still went ahead and processed her cancellation request and her merchant account has been closed per her request. Unfortunately there is nothing more we can do to help, assist or do to make this former customer of ours happy since the account has been closed, no cancelation fee was charged and we will no longer be billing her for any services.

June 28, 2016Revdex.com4428 North 12th StreetPhoenix, AZ 85014-4585Re: (Compliant ID # [redacted]) Conciliation & Engagement SpecialistI am writing to you in reference to your letter dated...

6/24/16Card Payment Direct received the above referenced customer complaint and appreciates the opportunity to respond.[redacted] opened 2 Merchant Accounts [redacted] & [redacted]) that he is referring to in complaint (ID # [redacted]). The merchant entered into 2Merchant Agreements by signing and agreeing to the contract terms and fees set forth on January 15, 2016.On February 5, 2016 we spoke with Mr. [redacted] when he stated he changed his mind and did not want to proceed with our service. We explained that we are happy to fulfil this request and close each account without penalty or cancellation fees and provided him with the closure instructions to send the credit card machines back along with a signed letter of cancellation. The credit card machines and cancellation letter were received from Mr. [redacted] on February 16, 2016, but during this time Mr. [redacted] was still responsible for the agreed upon fees during the billing cycle (January 15, 2016 – February 29, 2016).The Merchant rejected month end fees due to closure of their bank account during this time stating charges were unauthorized. Per the signed agreement(s) funds owed were authorized by Mr. [redacted]. The Merchant Account(s) were closed due to rejected funds and sent to collections.After reviewing the complaint and confirming the customer did not use the service, as a courtesy we issued a full refund to Mr. [redacted] for $121.70. The refund was processed on June 27, 2016 and will be credited back to the checking account on file within 3 business days (standard time it takes for an ACH deposit to fully process).In addition, and again as a courtesy, we have also waived the $110.00 collection balance and the account has been removed from collections as of June 27, 2016. All merchant requests have been fulfilled and satisfied.Please feel free to contact me at: [redacted] or by phone at: ###-###-#### should theRevdex.com have any further questions or need any further assistance. Sincerely,
Candice M[redacted]Card Payment Direct

June 17, 2014

Revdex.com

Attn: [redacted]

 

 

Re: Complaint ID#: [redacted]

 

 

Dear [redacted],

 

I am writing to you in reference...

to your letter dated 6/11/14

Card Payment Direct received the above-referenced customer complaint and appreciates the opportunity to respond. Mr. [redacted]’s account was approved on 12/10/2013 per receipt of the merchant’s signed application and agreement. On June 10, 2014 Mr. [redacted] of [redacted] filed a complaint regarding the fees charged to his account and to request cancellation of our service. On 6/11/2014 at 9:21am PST we (Card Payment Direct) spoke to Mr. [redacted] in which he expressed his displeasure with the $129 [redacted] Annual Fee his business was assessed May 2014. At that time (as a courtesy), we agreed to place an immediate refund and explained to Mr. [redacted] that he would receive the $129 credit to his account within 3 to 5 business days.

At this time we (Card Payment Direct) also reviewed the account closure procedure with Mr. [redacted] in which he was provided with the address to return the equipment (owned by Card Payment Direct) and loaned to his business ([redacted]). Mr. [redacted] was also reminded of the terms of the merchant application requiring signed notice to close the account. As of June 17, 2014 our equipment and the required signed cancellation request have not been received by Mr. [redacted].

As Mr. [redacted] is aware the equipment and signed letter of cancellation must be submitted to:

 

Card Payment Direct  [redacted]

 

Please understand that Card Payment Direct will do whatever we can (within legal parameters) to make Mr. [redacted] happy, but unfortunately the merchant account belonging to [redacted] cannot be closed until receipt of both the equipment and signed closure request.

 

Please feel free to contact me at: [redacted] or by phone at: [redacted] should the Revdex.com or Mr. [redacted] have any further questions or need any further assistance.

 

 

Sincerely,

 

Card Payment Direct

April 11, 2014

4428 North 12th Street

Phoenix, AZ 85014-4585

Re: ([redacted], Complaint ID # [redacted])

 

Dear [redacted]

 

We are writing to you in reference to the complaint filed on 4/8/14

/>

First off, we (Card Payment Direct) are very sad that one of our many thousands of customers is upset with us or upset with something they assume (Card Payment Direct) is responsible for! That being stated, we have always and will always do our best to ensure our customers are taken care of and treated fairly.

The merchant processing account which is referenced in this complaint was approved on 2/28/2014 per receipt of the signed merchant application and agreement. The customer called us on 3/6/14 to let us know she decided to stay with her current provider and wanted to cancel service. We informed the merchant that it would be ok to do so, but we needed the credit card terminal returned back to us, we needed a signed letter of cancelation and that the account would not be closed out until 30 days after receipt of said cancelation letter (which she understood, acknowledged and agreed to provide). We received the credit card terminal back from the merchant along with a letter of cancelation on 3/18/14 and immediately started the process of closing the merchant account per the customers instructions. On 4/8/14, the customer called asking why she was charged money from us and we explained it was for the $5.00 monthly fee and $25.00 monthly minimum for the month of March (again, the account was an active account in March and was not set to close for 30 days after receipt of the cancellation letter which is 4/17/14). The merchant was unhappy about this so as a 1 time courtesy, we offered to reimburse her the full amount charged to her (March’s fees) and she willingly accepted our offer. Much to our surprise however, that very same day she filed a complaint with the Revdex.com regarding this matter and closed her

bank account which prohibits us from doing any debits and most importantly any credits / refunds / reimbursements like the one we agreed to do. Unfortunately at this point, it is humanly impossible for us to issue this 1 time courtesy credit because the account is no longer open and valid. In light of this however, we still went ahead and processed her cancellation request and her merchant account has been closed per her request. Unfortunately there is nothing more we can do to help, assist or do to make this former customer of ours happy since the account has been closed, no cancelation fee was charged and we will no longer be billing her for any services.

As our initial response stated we placed the refund to Mr. [redacted] on June 27, 2016. As explained, the refund typically takes 3 business days for the ACH deposit to fully process (this does not include weekends and holidays). Due to the July 4th holiday the deposit could have been delayed to the merchant’s bank. On July 7, 2016 we have confirmed that all refunds were processed by our processing bank and cleared on our end.

June 17, 2014

Revdex.com

Attn: [redacted]

 

 

Re: Complaint ID#: [redacted]

 

 

Dear [redacted],

 

I am writing to you in reference...

to your letter dated 6/11/14

Card Payment Direct received the above-referenced customer complaint and appreciates the opportunity to respond. Mr. [redacted]’s account was approved on 12/10/2013 per receipt of the merchant’s signed application and agreement. On June 10, 2014 Mr. [redacted] of [redacted] filed a complaint regarding the fees charged to his account and to request cancellation of our service. On 6/11/2014 at 9:21am PST we (Card Payment Direct) spoke to Mr. [redacted] in which he expressed his displeasure with the $129 [redacted] Annual Fee his business was assessed May 2014. At that time (as a courtesy), we agreed to place an immediate refund and explained to Mr. [redacted] that he would receive the $129 credit to his account within 3 to 5 business days.

At this time we (Card Payment Direct) also reviewed the account closure procedure with Mr. [redacted] in which he was provided with the address to return the equipment (owned by Card Payment Direct) and loaned to his business ([redacted]). Mr. [redacted] was also reminded of the terms of the merchant application requiring signed notice to close the account. As of June 17, 2014 our equipment and the required signed cancellation request have not been received by Mr. [redacted].

As Mr. [redacted] is aware the equipment and signed letter of cancellation must be submitted to:

 

Card Payment Direct  [redacted]

 

Please understand that Card Payment Direct will do whatever we can (within legal parameters) to make Mr. [redacted] happy, but unfortunately the merchant account belonging to [redacted] cannot be closed until receipt of both the equipment and signed closure request.

 

Please feel free to contact me at: [redacted] or by phone at: [redacted] should the Revdex.com or Mr. [redacted] have any further questions or need any further assistance.

 

 

Sincerely,

 

Card Payment Direct

June 28, 2016Revdex.com4428 North 12th StreetPhoenix, AZ 85014-4585Re: (Compliant ID # [redacted]) Conciliation & Engagement SpecialistI am writing to you in reference to your letter dated...

6/24/16Card Payment Direct received the above referenced customer complaint and appreciates the opportunity to respond.[redacted] opened 2 Merchant Accounts [redacted] & [redacted]) that he is referring to in complaint (ID # [redacted]). The merchant entered into 2Merchant Agreements by signing and agreeing to the contract terms and fees set forth on January 15, 2016.On February 5, 2016 we spoke with Mr. [redacted] when he stated he changed his mind and did not want to proceed with our service. We explained that we are happy to fulfil this request and close each account without penalty or cancellation fees and provided him with the closure instructions to send the credit card machines back along with a signed letter of cancellation. The credit card machines and cancellation letter were received from Mr. [redacted] on February 16, 2016, but during this time Mr. [redacted] was still responsible for the agreed upon fees during the billing cycle (January 15, 2016 – February 29, 2016).The Merchant rejected month end fees due to closure of their bank account during this time stating charges were unauthorized. Per the signed agreement(s) funds owed were authorized by Mr. [redacted]. The Merchant Account(s) were closed due to rejected funds and sent to collections.After reviewing the complaint and confirming the customer did not use the service, as a courtesy we issued a full refund to Mr. [redacted] for $121.70. The refund was processed on June 27, 2016 and will be credited back to the checking account on file within 3 business days (standard time it takes for an ACH deposit to fully process).In addition, and again as a courtesy, we have also waived the $110.00 collection balance and the account has been removed from collections as of June 27, 2016. All merchant requests have been fulfilled and satisfied.Please feel free to contact me at: [redacted] or by phone at: ###-###-#### should theRevdex.com have any further questions or need any further assistance. Sincerely,
Candice M[redacted]Card Payment Direct

I check my account today on 07/05/2016. I have not got any refund to my account until now. I cannot believe them. Please have them send refund to me right away.

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 until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Card Payment Direct received the above referenced customer complaint and appreciates the opportunity to respond. Mr. [redacted] account was approved on 4/21/2015 upon receipt of the signed application and agreement to the Card Payment Direct sales office on 4/20/2015. On January 6, 2015...

[redacted] of T[redacted] S[redacted] filed a complaint regarding the fees charged to his account and to request cancellation of our service. Prior to this notification we were not made aware by Mr. [redacted] of his dissatisfaction. On 1/7/2016 at 12:51pm MST we (Card Payment Direct) spoke to Mr. [redacted] and explained to him that the application he submitted was to our sales office and that the billing error was made by our back end processor that handles his account. At that time we sincerely apologized to Mr. [redacted], taking full responsibility for the error and placed an immediate refund of $129 in which we explained he would receive within 3 business days (standard time it takes for an ACH deposit to fully process). At that time Mr. [redacted] thanked us for reaching out to him and stated that he wanted to continue service with us and was not currently looking to end his contract (as of 1/13/16, Mr. [redacted] of T[redacted] S[redacted] is still actively processing and using our service). We (Card Payment Direct) reached back out to Mr. [redacted] on 1/11/2016 confirming that he received the full refund of $129 and to see if there was anything further we can do to assist him. He was very gracious and again thanked us for the prompt response and attention to his matter. We greatly value the business of Mr. [redacted], as we do all of our customers, and will do whatever we can (within legal parameters) to make Mr. [redacted] happy and continue our business relationship.

I wish to close my account ASAP. I have not had service since September and have never experienced such terrible customer service in the 30 years I have been in business. First off, all the fees were never explained to me. Be that as it may, I figured it was the price you pay to offer that convenience to your customers. The first issue I had, the display on the processing unit went out. No major problem, the unit was replaced and I was told I could dispose of the faulty unity ,(Thank goodness I did not). A few months later, probably around July, the 2nd unit would not connect to my phone line. So I called in, and after 3 attempts at different locations at my property, I was told to take it home and try it there!?!?!?!?! With my business, and the hours I keep, that just wasn’t feasible. So I called again, either late August or September for some assistance, and explained my situation. The lady was very nice, and said she would have someone from customer service reach out to me and get this straight. Well, that never happened. Finally I called to cancel my account in October. I was told that the problem was my phone lines….news flash, nothing changed since it worked perfectly; that I called the wrong number for customer service,(I enclosed the card I was given with numbers to call, how is it the “right” number isn’t listed???), and finally I must return both units, even the one YOUR REPRESENTATIVE told me to throw away, at my own cost!!! As you can see by my account, it cost me quite a bit for as little as I used your service. Call me dumb for falling for this initially and not reading all the complaints on the Revdex.com Website, but there is NO EXCUSE for the lack of communication or poor customer service. Here are you units. I would like to see a credit, but if that doesn’t happen, I at least do not want to see any more bills. This letter will be added to the list of complaints.

Review: I have many issue's with this company. First the prices we agreed on were not met. I'm also trying to get a hold of someone if the company to cancel my membership but no one is returning my calls.Desired Settlement: Refund on prices the were agreed upon and cancel my membership

Business

Response:

June 17, 2014

Revdex.com

Attn: [redacted]

Re: Complaint ID#: [redacted]

Dear [redacted],

I am writing to you in reference to your letter dated 6/11/14

Card Payment Direct received the above-referenced customer complaint and appreciates the opportunity to respond. Mr. [redacted]’s account was approved on 12/10/2013 per receipt of the merchant’s signed application and agreement. On June 10, 2014 Mr. [redacted] of [redacted] filed a complaint regarding the fees charged to his account and to request cancellation of our service. On 6/11/2014 at 9:21am PST we (Card Payment Direct) spoke to Mr. [redacted] in which he expressed his displeasure with the $129 [redacted] Annual Fee his business was assessed May 2014. At that time (as a courtesy), we agreed to place an immediate refund and explained to Mr. [redacted] that he would receive the $129 credit to his account within 3 to 5 business days.

At this time we (Card Payment Direct) also reviewed the account closure procedure with Mr. [redacted] in which he was provided with the address to return the equipment (owned by Card Payment Direct) and loaned to his business ([redacted]). Mr. [redacted] was also reminded of the terms of the merchant application requiring signed notice to close the account. As of June 17, 2014 our equipment and the required signed cancellation request have not been received by Mr. [redacted].

As Mr. [redacted] is aware the equipment and signed letter of cancellation must be submitted to:

Card Payment Direct [redacted]

Please understand that Card Payment Direct will do whatever we can (within legal parameters) to make Mr. [redacted] happy, but unfortunately the merchant account belonging to [redacted] cannot be closed until receipt of both the equipment and signed closure request.

Please feel free to contact me at: [redacted] or by phone at: [redacted] should the Revdex.com or Mr. [redacted] have any further questions or need any further assistance.

Sincerely,

Card Payment Direct

Review: First when I signed up in April, I was expecting an EMV machine. When the machine arrived it was not EMV capable. I was told by the associate that it would come when required. When compliance date passed, after much waiting on hold, an associate told me I had to purchase it. I chose not to take action at that time. I complained to the associate that signed me.

Second, the agreement was they would supply paper for the POS machine. We had called CS and ordered and after almost a month no paper was received. We called back Monday and while be transferred, we were hung up on. Important to note, it takes 20+minutes of being on hold before we can talk to an associate. I called the main office. After a short review, the associate said I said I was leaving in November, I said "if you want my business have someone call me and hung up." No one called. I called back again and they said the order was placed and I should receive my paper in 7-10 days.

Third is PCI compliance fees. Part of my signed contract says I will not be charged for PCI compliance as stated on their web page. The contract stated that I would and I had it written in the comment section that I was exempt from PCI fees. Note is is stated on their webpage.

http://automotivepayclub.com/

I noticed a **Addition fee amount for $129 in my November statement. It says call [redacted] for information on the charge. I called and after navigating the system, it hung up on me. I suspect it is for PCI compliance as it is the same amount we wrote into the contract. I have notified my signing associate and have not heard back.Desired Settlement: Waiving of all possible fees and end contract for breaching their contract and providing horrible Customer Service.

Business

Response:

Card Payment Direct received the above referenced customer complaint and appreciates the opportunity to respond. Mr. [redacted] account was approved on 4/21/2015 upon receipt of the signed application and agreement to the Card Payment Direct sales office on 4/20/2015. On January 6, 2015 [redacted] of T[redacted] S[redacted] filed a complaint regarding the fees charged to his account and to request cancellation of our service. Prior to this notification we were not made aware by Mr. [redacted] of his dissatisfaction. On 1/7/2016 at 12:51pm MST we (Card Payment Direct) spoke to Mr. [redacted] and explained to him that the application he submitted was to our sales office and that the billing error was made by our back end processor that handles his account. At that time we sincerely apologized to Mr. [redacted], taking full responsibility for the error and placed an immediate refund of $129 in which we explained he would receive within 3 business days (standard time it takes for an ACH deposit to fully process). At that time Mr. [redacted] thanked us for reaching out to him and stated that he wanted to continue service with us and was not currently looking to end his contract (as of 1/13/16, Mr. [redacted] of T[redacted] S[redacted] is still actively processing and using our service). We (Card Payment Direct) reached back out to Mr. [redacted] on 1/11/2016 confirming that he received the full refund of $129 and to see if there was anything further we can do to assist him. He was very gracious and again thanked us for the prompt response and attention to his matter. We greatly value the business of Mr. [redacted], as we do all of our customers, and will do whatever we can (within legal parameters) to make Mr. [redacted] happy and continue our business relationship.

Review: I decided not to use this credit cards processing company

I sent the machine back and a cancelation form. I was

told that I would be charge $5 for canceling. I was charged

$32.69 . Every time I try to talk to some one I'm treated very rude

I get the run around and different information. I canceled march the

9 and now they are telling me they cant cancel me til april 18 . They

have a sale on the merchant statement . That I never used because I have a square

reader . This is total fraud and now I have to close out my business account

Please help.

Business

Response:

April 11, 2014

4428 North 12th Street

Phoenix, AZ 85014-4585

Re: ([redacted], Complaint ID # [redacted])

Dear [redacted]

We are writing to you in reference to the complaint filed on 4/8/14

First off, we (Card Payment Direct) are very sad that one of our many thousands of customers is upset with us or upset with something they assume (Card Payment Direct) is responsible for! That being stated, we have always and will always do our best to ensure our customers are taken care of and treated fairly.

The merchant processing account which is referenced in this complaint was approved on 2/28/2014 per receipt of the signed merchant application and agreement. The customer called us on 3/6/14 to let us know she decided to stay with her current provider and wanted to cancel service. We informed the merchant that it would be ok to do so, but we needed the credit card terminal returned back to us, we needed a signed letter of cancelation and that the account would not be closed out until 30 days after receipt of said cancelation letter (which she understood, acknowledged and agreed to provide). We received the credit card terminal back from the merchant along with a letter of cancelation on 3/18/14 and immediately started the process of closing the merchant account per the customers instructions. On 4/8/14, the customer called asking why she was charged money from us and we explained it was for the $5.00 monthly fee and $25.00 monthly minimum for the month of March (again, the account was an active account in March and was not set to close for 30 days after receipt of the cancellation letter which is 4/17/14). The merchant was unhappy about this so as a 1 time courtesy, we offered to reimburse her the full amount charged to her (March’s fees) and she willingly accepted our offer. Much to our surprise however, that very same day she filed a complaint with the Revdex.com regarding this matter and closed her

bank account which prohibits us from doing any debits and most importantly any credits / refunds / reimbursements like the one we agreed to do. Unfortunately at this point, it is humanly impossible for us to issue this 1 time courtesy credit because the account is no longer open and valid. In light of this however, we still went ahead and processed her cancellation request and her merchant account has been closed per her request. Unfortunately there is nothing more we can do to help, assist or do to make this former customer of ours happy since the account has been closed, no cancelation fee was charged and we will no longer be billing her for any services.

Consumer

Response:

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 until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: my sales person stated at conract sign it was a month to month contact, I cancelled my service on april 23rd(called [redacted]) lady gave me were to send terminal in and what to do, they recieved on april 29th and she said it was cancelled and no charge will be added if terminal was sent in. All good there but then was charged for nothing for the month of May a total of 36.99, I called and same lady stated a 30 day notice is required. My sales person was independent contractor which they let go. Which she did say he was let go for reasons that might have given me false info. To me she and any employee of this company gave me false info. She did say at end of my conversation its your word against me or sales person because you signed contract that I never received.Desired Settlement: My charge of $36.99 for the month of May on a closed account.

Business

Response:

June 12, 2013

Revdex.com

Re: Striking Edge Pro Shop / [redacted]. [redacted]

Complaint ID#:

Dear [redacted]:

I am writing to you in reference to your letter dated

June 11, 2013.

Card Payment Direct received the above referenced customer

complaint and appreciates the opportunity to respond. Mr. [redacted]’s account

was approved on 9/19/2012 per receipt of the merchant’s signed application and

agreement. On April 22, 2013 Mr. [redacted] contacted our office verbally stating

he wished to close his account. At this time Mr. [redacted] was provided with the

address to return the equipment in which we (Card Payment Direct) own & loaned

to his business (Striking Edge Pro Shop) and he was reminded of the contract

terms requiring 30 days written notice to close the account. On April 29, 2013

the equipment and written account closure request were received. The account was

then closed on May 29, 2013 (30 days after written notification was received).

[redacted] contacted our office on June 10th

stating that his account was charged for May. Per the term of the contract

requiring 30 days written notice, the merchant is under full obligation to pay any

subsequent routine fees until the account is closed. As we work very hard to

ensure the satisfaction of our merchants, including those that wish to

discontinue our service, we told Mr. [redacted] on June 10, 2013 that the May

charges are being refunded as a courtesy in the amount of $36.99 and he would

see the credit within 3-5 business days (standard time it takes for an ACH

deposit to fully process). We also informed him that as another courtesy we

would have the account closed with no early termination in addition to the

credit / refund of May’s fees.

All of the merchant’s requests had been fulfilled prior to

the issuance of the Revdex.com compliant filed by [redacted] of Striking Edge Pro

Shop, so we are unsure as to why a complaint had been filed.

Please feel free to contact me at:

[redacted] or by phone at: [redacted] should the Revdex.com or Mr. [redacted]

have any further questions or need any further assistance.

Sincerely,

Director of Risk Management and Account Development