CardWorks Servicing LLC

Re: [redacted] ***, Your complaint ID [redacted] [redacted] Account ending in ***Thank you for your recent correspondence regarding the above-referenced individualWe have notified all three consumer reporting agenciesto delete the [redacted] tradeline from [redacted] ***’s credit bureau reports.Thank you for the opportunity to respond Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted] ***

Revdex.com[redacted]  [redacted]Attn: [redacted] RE:      [redacted], Complaint ID# [redacted]CardWorks Acquiring Account Ending In [redacted] Dear [redacted]:Thankyou for your recent correspondence regarding the...

above-referenced individual.Wewould like to assure [redacted] that the early termination fee was assessed inaccordance with the terms and conditions she agreed to when signing theAgreement, and does not represent unfair billing practices. Section 4.04 of theTerms and Conditions (which appear both on the contract itself, and also on ourcompany website) clearly explain that when a contract is terminated, an earlytermination fee would be assessed, and would be based on the greater of a fixeddollar amount fee or the merchant’s volume representations set forth onSchedule A.  Inaddition, 50% of the early termination fee ($1,999.21) was already refunded on[redacted]’s statement of 7/**/15 (the billing cycle following herreinstatement). The second half of the fee is scheduled to be refunded,assuming she continues processing with CardWorks, after 6 months, in January2016. It is therefore unclear why the complainant believes she would need towait for a refund to be provided in numerous installments over long periods oftime, as this is not the way we do business.  Asfar as the Reserve Account that was established, which unfortunately resultedin one of her checks being returned unpaid, we ask that [redacted] refer tosection 3.05 of the Agreement, which fully explains the funding of a ReserveAccount.  Because [redacted] rejects occurred on this merchant account in bothNovember 2014 and December 2014, CardWorks established a $500 Reserve Accountto ensure that contractual fees would be readily available in a securityaccount going forward.  This is a standard practice in the industry, andwas also fully disclosed in the Agreement.CardWorkshas been providing merchants with payment processing services for nearly 30years and our goal is to help merchants build their businesses by offeringquality payment processing solutions at competitive rates. Our Agreements areclearly written and we encourage our clients to ask questions if there isanything that they believe is unclear. While we are happy to continueprocessing for this merchant at the terms outlined in the Agreement, should [redacted] choose to cancel her contract and use the services of another provider,she is certainly able to do so. In good faith, we will not request a refund of theportion of the termination fee that was already refunded. We apologize if therewas any misunderstanding that may have occurred between our sales rep and [redacted] and we genuinely hope that our professional relationship can remainintact so as to continue to benefit both of our businesses. Thankyou for the opportunity to respond.Sincerely, Russell B[redacted]CardWorks Acquiring

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               [redacted]   Dear [redacted]:   We are in receipt of your correspondence dated January **, 2017 regarding the above referenced cardholder and credit account.  As a result of Complaint #[redacted] a thorough investigation was conducted.  A chronological accounting of the events that transpired on the account follows:   On September *, 2016, [redacted] contacted us to report that that there were two transactions on his account from WM Supercenter #[redacted], each in the amount of $200.00, of which he had no knowledge.  As a result of his claims, we opened an investigation of fraud.  On September **, 2016, copies of the sales drafts for the transactions were requested from WM Supercenter #[redacted] and an Affidavit of Fraud and Forgery was sent to the cardholder via U. S. mail with a request that he complete and return it to us.  On October **, 2016 the completed Affidavit of Fraud and Forgery was received.  On November **, 2016, credits totaling $400.00 were issued on the account for the fraudulent charges.   On December *, 2016, [redacted] called our Customer Service department and advised that he did not feel that he should be held responsible for the late fees that were accruing on the account because the account balance was the result of activity that we had found to be fraudulent.  At that time, we applied credits to the account totaling $96.05 as adjustments for the accrued late fees.   Please be advised that on January **, 2017, we issued additional credits totaling $59.00 for late fees and interest charges. Additionally, we have submitted requests to all major credit reporting agencies to have the delinquency removed from [redacted]’s credit file.   On January **, 2017 we received a payment of $11.00 which brought the account balance to zero and as requested by [redacted], we closed the account.   We hope to have been of assistance and thank you for the opportunity to respond.   Sincerely,   First Choice Bank Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

[redacted]      [redacted]Dear [redacted]:Thank you for your recent correspondence
regarding the above-referenced individual.After conducting a thorough search of our
systems, including our auto-dialers, we were unable to find a matching record
for [redacted]...

[redacted] or any calls placed to the phone number listed on this complaint.
We searched by name, address, and the telephone number he provided. We therefore ask that [redacted] please provide
us with additional information, such as the telephone number showing on his
Caller ID and the number of his cell phone receiving the calls, so that we may further
research the matter. It would also be helpful if [redacted] could advise if the
caller left a message.Upon receipt of this additional information,
we will be happy to conduct another search in the hopes of resolving this complaint.
Thank you for the opportunity to respond.Sincerely,Kathy P[redacted]Customer Service

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[redacted]   Thank you for your recent correspondence regarding the above-referenced individual.   We regret [redacted]’s dissatisfaction with our service. Our investigation found that the previous correspondence dated June **, 2016 was just recently received and was pending completion. We apologize for the delay.   The Speigel credit card account was established in November 1989 and First Consumer’s National Bank (“FCNB”) was the bank that funded the card. FCNB closed all Spiegel credit cards as of March *, 2003. The accounts were then forwarded to Card Processing Center to continue to collect on the outstanding balance until paid in full. A copy of the “Notice of Termination of Charging Privileges and Access Check Program” that was sent to [redacted] by FCNB is enclosed for your reference. Since the account was closed for use prior to the transfer in 2003, we are unable to provide specific details on the purchases or charges incurred at Speigel.   As a courtesy, we have waived three late fee charges of $25.00 each that were assessed on the account in March, April and June 2016 for a total of $75.00.   Sincerely, Donatella M[redacted] Card Processing Center Customer Service   Enclosures

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[redacted] needs to refund of $1234.00 this amount of  the extra chargers that main street did  to my account, I made my total payments paid $2109.00 the original balance was only  875.50 when [redacted] purchase the debt from [redacted]. I need a credit back for 1234.00Thank you [redacted]
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In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Re: [redacted], Your complaint ID [redacted]       [redacted] Account ending in [redacted]Thank you for your recent correspondence regarding the above-referenced individual. We have notified all three consumer reporting agenciesto delete the [redacted] tradeline from [redacted]’s...

credit bureau reports.Thank you for the opportunity to respond.  Sincerely,[redacted]
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[redacted] Dear [redacted],Thank you for your recent correspondence regarding theabove-referenced individual.[redacted] Corp (“Main Street”) acquiredthis account as a performing [redacted] Business Credit Card in December of2010.  Pursuant to the terms and conditions that applied to this account,Main Street, through its servicer CardWorks, sent monthly statements andproperly applied and accounted for all payments and credits.  There is acurrent balance due; however, because Main Street’s policy is to satisfy itscustomers when possible, Main Street will agree to permanently close thisaccount and it will reflect a -0- balance.  If you need any furtherinformation please contact our customer service at ###-###-####. Thank you for the opportunity to respond.  Sincerely,Kathy P[redacted] Corp.Customer Service