Dear Revdex.com Representative:We are still actively working with the customer to resolve these concerns and respectfully request an additional week to substantively respond to this complaint Thank you
Dear Revdex.com Representative:Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.comWe
have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer was sent and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processingAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement.That said, our customer service department has worked diligently with the customer to resolve their concerns. Adjustments were made to the overall effective rate to ensure future savingsThe customer was credited on January 26th, in the amount of $to cover half of their first month’s bill as a courtesyOnce we received notification that PCI Compliance was completed we credited the customer on March 30th, 2017, in the amount of $for being billed due to a system errorSeasonal closures can be placed on an account for no more than months during a 12-month periodIn order to place a seasonal hold on an account we must be notified, so as not to interrupt the customer’s serviceAll closure types require some sort of documentation be submitted, it is not an automatic functionWe regret the process of calling us is tedious for some, however it is necessaryNon-use of the account does not constitute a cease in billingThe minimum cancellation fee is $250; we are willing to work with the merchant to find a middle ground between this and their previously quoted fee.As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us knowThank you
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***
Complaint: ***
I am rejecting this response because:As usually this response is not correct. I have tried the resolution center but all you get is the “you signed it” attitude. Yes I did sign the documents but they were read to me and glossed over of what the charges were to be I was told I would be charged the 1% with no pass through charges but was being charged 3% One big problem was I signed for the lease agreement not knowing I was being sold to a third party and was never told it would be a monthly charge to me. Yes it says it on the paper I signed but having the page read to me the charges were glossed over And I asked about the monthly charges on the equipment and was assured there would not be anyThe reader told me it was an internal process Again it was never made clear that I was signing with another partyThe batches that were withheld from being processed are not the dates they are presenting and were not because of the stop payment I put in placeI had to resort to the stop payment because I was not getting any response from the company. The batch dates that were held up for over a week were 1-5-17 and 1-7-so again this company is full of misinformation. Again I was never told that I would be dealing with a third party and I never would have signed if I had known that I would be paying a monthly fee for the equipment and putting our company in a non-cancelling contract, that I knew nothing about.The misinformation of the amount to cancel was also very misleading. I was told at the beginning that it would be $250. This is in stark contrast to the $13,that the third party company is charging which again was never mentioned. I feel if they want to charge me the $for canceling they should clear my account with the third party (again which I did not realize I was signing with) I would consider this case closeI have never been in a contract that was verbally presented in one way but then when you get your billing it is almost opposite of what was discussed. Also with a company glossing over that you are signing to a third party and that you find has some sort of non-canceling contract was very surprising. This company signs you up selling you to a third party and when you have problems they say they have no control over the problem, even though they are the ones that set the whole thing upThey should tell you when you ask what the cost is of canceling the contact of the whole contract and not just trying to bait and switch the customerI would not be protesting this contract if it was anywhere near what they had verbally promisedAnd do not close this file until they clear my account with the third party
Sincerely,
*** ***
Complaint: ***I am rejecting this response because: thanks for contacting me now on thisI accept the cancelling of the yearly fee I was Unaware of which happened recently after
the claim was startedThe lease for both companies was held by First data, so I was not asking direct processors to refund it, just if they would buy it out if I decided to stay with them rather than Riverside, as was inferred by the salespersonThey hit you with all the unknown charges when they talk to you on the phone after you make the deal with the salesperson, and the salesperson assures you it will be all right and that the fees won't raise your rate and the previous lease will be taken care.ofI agree to try out the service of direct processors now, since I have little choice with the huge lease I foolishly agreed to because I was assured it could be taken care of
Sincerely, *** *** ***
Dear Revdex.com Representative:
Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the
Revdex.com
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly payment The customer has been charged no extra or hidden fees outside of the fees disclosed on these agreements
Additionally, although the customer believes he has two leases with us, he in fact only has one lease in the amount of $for monthsRiverside did not sell the other lease for our company and our company has no affiliation with RiversideAlso contrary to the customer’s claim, our company offered to credit the customer $towards cancellation of his prior lease with Riverside, not the entire cancellation feeFurthermore, our customer service department has worked diligently with the customer to reduce the overall cost of his programFor example, we reduced the customer’s signature debit card transaction rate from 1% to 0%, reduced his non-qualified card transaction rate from 2.99% to 0.5%, and refunded the customer’s $annual feeThis resulted in an overall effective rate of 1.6% for the customer, including both processing and leasing fees, which is far below industry standard
As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us knowThank you
Dear Revdex.com Representative: Thank you for sending us the customer's rebuttal. As outlined in our previous response, we have arranged to terminate the customer’s processing and lease agreements early with no early termination fees or other obligations. Since termination requires the cooperation of third parties, this has taken longer than expected. We will be refunding the customer for any charges accrued during this timeAdditionally, the customer will be receiving call tags that will allow him to send back the processing equipment. As such, we feel we have addressed and resolved every issue raised in this complaintShould you need any additional information in order to close out this file, please let us know. Thank you
Dear Revdex.com Representative: Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com. ...
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $289 per month (plus applicable taxes) for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly payment. That said, our customer service department has worked diligently with the customer to resolve his concerns. On October 25th, 2016, a representative issued a credit for the upfront sales tax on the merchant’s lease. This billing of $588.70 was then broken into monthly installments versus the lump sum dictated by the merchant’s individual state. We have since offered to allow the merchant to listen to the recorded compliance call, he has refused. In regards to any withheld batches, this was a direct result of a stop payment request on February 5th, 2017 the merchant made with his own bank. Stop payment requests do keep unwanted fees from being debited, but also stop batches from being deposited. The merchant’s processing account was closed on March 9th, 2017 due to ACH Rejects from the stop payment. Any further questions about missing funds will need to be addressed with the collections department, notice was sent to the merchant with instructions on how to resolve. However, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party. We feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
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.
Sincerely,
[redacted]
Dear Revdex.com Representative: Thank you for bringing this complaint to our attention. We have reviewed the complaint and the customer’s file. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of...
all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $59 per month (plus applicable taxes) for a term of 48 months. That said, our customer service department has worked diligently with the customer to resolve their concerns. Despite those efforts, we have agreed to terminate the customer’s processing and lease agreements prior to expiration of the agreed upon terms and waive all associated early termination fees and obligations. This process takes 30 – 45 days to complete with the bank. As such, the customer will have no further obligations under these agreements after that time. As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
Dear Revdex.com Representative:Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com. We...
have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer was sent and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the $99 monthly payment (plus applicable taxes) for processing equipment for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and associated monthly lease payment. That said, our customer service department has worked diligently with the customer to resolve his concerns. All rate and fee increases are disclosed to the customer 30 days prior to being effective. Customers have the opportunity to call and discuss these changes before they occur. In this situation the customer was not accepting pin-based debit cards. Which is where the savings estimate is yielded from by our sales team. In order to see the savings as quoted the program must be run properly. As such, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party.As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
Complaint: [redacted]
I am rejecting this response because:They are correct, I have begun to use the service because they were threatening to charge extra fees for not using the service. I have spoken with them in the meantime and they refuse to cancel all contracts but made a slight change to what was being offered to me. I did sign the contracts as I stated from the beginning of this complaint, and I did agree to the ONLY part of the conversation that was recorded, however I stated the reasons for that also. When I was contacted by the sales person, the important part which was not recorded, I asked questions about fees and such on the contract and was assured they were not a concern of mine because it was for certain cards and such which I do not accept. I asked about other things I did not understand and was clearly told what I was being offered which I have found out now is not true. The salespersons lied to me to sell me the product, they continued to lie to me when I asked questions about the contract and fees which I did not understand. It would be evident if they would have recorded the entire conversation and not just the part they wanted to have heard. It would also be helpful if they would have saved the first recording when they started recording me and I stated that's not what I was promised so she sent me back to the salesperson. I then asked the salesperson again and was lied to again about what I was actually agreeing to. This company does not operate a fair business and should be held accountable for their business practices. It should be considered a crime what they did to me. I DO NOT WANT TO CONTINUE TO BE HELD TO THE CONTRACTS WITH THIS COMPANY!!
Sincerely,
[redacted]
Subject: complaint #[redacted]I received a phone call from Holli today, but was unable to resolve the issue. I was told by Jon W[redacted] in the original call when he sold me this service I would be charged 0% for all Debit Card Transactions and 1% for all other transactions. When I was...
going through the contract with the young lady (name unknown) I questioned the part that said “pinned debits”. I asked if that meant the use of debit cards had to be used with a pin number to get the 0%. I was guaranteed by both her and Jon W[redacted] that it didn’t matter if it was a debit card with a pin or just a signature on the receipt, I would in fact receive the 0% for ALL debit card transactions. After signing the paperwork and being told there were some listed fees that would not pertain to me that it just had to be on the contract because of foreign banks and other banks, it was nothing I would have to worry about. To the average person, myself, those fees and lingo of the credit card processing business is completely unable to be understood. I trusted that the sales persons who were explaining this stuff to me were being honest and fair with me. It turns out they were NOT at all honest with me and lied to me and took total advantage of me. In my opinion this is fraud and this company should not be allowed to do business in this manner. So when Jon transferred me to a lady to confirm my account info and other details, she mentioned “pinned debits” again. I then told her I was told it would be any debit regardless if a pin was used or not. She said to hold on and she transferred me back to Jon W[redacted]. I then was connected with Jon W[redacted] again and asked him the question again to make sure we were both clear that I do not have the ability to allow customers to enter their pin number that ALL debit transactions would be without a pin and would be with a signature only. He assured me AGAIN that I would get 0% on ALL debit transactions. He then transferred me back to the lady to confirm everything. I have not been able to communicate with Jon W[redacted] since then, he will not return calls or emails. Holli has taken over and as late as today I was told by Holli that there is no proof of any of what I am saying and that there is ABSOLUTELY no negotiations possible now that the contract was signed. The problem with the contract is the parts I did not understand, I questioned and was lied to guaranteeing me I would get something that Holli is now telling me is not at all close to what I will be getting. Holli is telling me I can not do anything but accept what I have, my problem is I was totally lied to and was taken advantage of, it is total fraud!!!!!!!!!!![redacted]Owner[redacted]
[redacted]
Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like...
the Revdex.com.
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer agreed to and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the customer’s processing agreement as well as a non-cancelable lease for processing equipment for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which she expressly confirmed her understanding of the primary terms and conditions of the agreement. Additionally, the Merchant Receipt signed by the customer clearly discloses the early termination fee applicable for termination of the processing agreement prior to the end of the term.
Despite the valid and enforceable agreements, we agreed to terminate the customer’s processing agreement early before expiration of the agreed upon term for a reduced early termination fee of $250. However, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party.
As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
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.
I am pleased to pass on the information that I was contacted by the organization and the matter was handled to my...
satisfaction.
[redacted]
Below is the content of the email/resolution I received:
Dear [redacted]
As you may know, your above referenced equipment lease agreement through First Data Global Leasing has been under review for possible early termination. After review, we have decided to terminate your lease early with no further obligation. We will also be refunding any fees accrued and providing call tags for said equipment.
The leased equipment is the property of Direct Processors and must be returned to Direct Processors at 111 SW 5th Ave., Ste. 2675, Portland, OR 97204, by no later than 01/29/2017. Please be sure to keep tracking information and/or proof of delivery for your records and confirmation. Should you not return the equipment to us by 01/29/2017, we will automatically debit your bank or merchant account on file pursuant to the terms of your agreements in the amount of $799.00 for the cost of the equipment that remains in your possession.
We appreciate the opportunity to have worked with you and wish you the best in all future endeavors. Should you have any questions, you can reach us at 866-717-5499.
Please respond via email as to this resolving your issue that you have had with us at your earliest convenience.
Best Regards,
Direct Processors Merchant Support Department
Sincerely, [redacted]
Complaint: [redacted]
I am rejecting this response because: This company uses deceptive sales practices and lied to me. I dont use their equipment yet they still charge excess fees that hurt my family owned business. They change the rates at their leisure and when they did that they violated the contract. I never accepeted increases in the card charges nor did I accept their membership fee, or any other fee. Lets listen to both recordings and let [redacted] come forth and say my claim is false. I was assured that it was 1 percent the Revdex.com can check my statements and see all the excess fees I was charged. This company is a float company for [redacted] After they are done ripping us off Direct processors will be gone and another name will be used and they will start again lieing and ripping people off. Nice vanilla response you give to everyone who makes claims of your deceptions. [redacted] lets Direct processors do their dirty work so their name isn't fouled but its all coming out. Walk away from this Direct processors I all ready have.
Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com.
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the processing and lease agreements. The customer also participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreements.
That said, our customer service department has worked diligently with the customer to resolve his concerns. Though the processing and lease agreements are valid and enforceable, we have agreed to terminate the agreements early before expiration of the agreed upon terms at no cost, refund any fees incurred to date, and waive all applicable early termination fees.
As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
Unfortunately there have been no Call Tags, no answered emails, and another "lease payment" for the equipment deducted from my account. I tried emailing a couple times but got no further response from the one I had forwarded to you in the email chain. I really wish they would have followed through and this all could have been handled easily.
Thank you for sending us the customer's rebuttal. Our customer service department spoke with the customer on October 20th 2016, and agreed to credit the customer $35/month for the next 39 months in order to cover the cost of terminating his prior equipment lease agreement. The customer is satisfied with this result.
As a result of the above, we feel we have addressed and resolved every issue raised in this complaint. Should you need any additional information, please let us know. Thank you.
Dear Revdex.com Representative:We are still actively working with the customer to resolve these concerns and respectfully request an additional week to substantively respond to this complaint Thank you
Dear Revdex.com Representative:Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.comWe
have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer was sent and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processingAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement.That said, our customer service department has worked diligently with the customer to resolve their concerns. Adjustments were made to the overall effective rate to ensure future savingsThe customer was credited on January 26th, in the amount of $to cover half of their first month’s bill as a courtesyOnce we received notification that PCI Compliance was completed we credited the customer on March 30th, 2017, in the amount of $for being billed due to a system errorSeasonal closures can be placed on an account for no more than months during a 12-month periodIn order to place a seasonal hold on an account we must be notified, so as not to interrupt the customer’s serviceAll closure types require some sort of documentation be submitted, it is not an automatic functionWe regret the process of calling us is tedious for some, however it is necessaryNon-use of the account does not constitute a cease in billingThe minimum cancellation fee is $250; we are willing to work with the merchant to find a middle ground between this and their previously quoted fee.As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us knowThank you
We have placed your business on our Do Not Call List to avoid future issues of this natureWe apologize for your negative experience
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***
Complaint: ***
I am rejecting this response because:As usually this response is not correct. I have tried the resolution center but all you get is the “you signed it” attitude. Yes I did sign the documents but they were read to me and glossed over of what the charges were to be I was told I would be charged the 1% with no pass through charges but was being charged 3% One big problem was I signed for the lease agreement not knowing I was being sold to a third party and was never told it would be a monthly charge to me. Yes it says it on the paper I signed but having the page read to me the charges were glossed over And I asked about the monthly charges on the equipment and was assured there would not be anyThe reader told me it was an internal process Again it was never made clear that I was signing with another partyThe batches that were withheld from being processed are not the dates they are presenting and were not because of the stop payment I put in placeI had to resort to the stop payment because I was not getting any response from the company. The batch dates that were held up for over a week were 1-5-17 and 1-7-so again this company is full of misinformation. Again I was never told that I would be dealing with a third party and I never would have signed if I had known that I would be paying a monthly fee for the equipment and putting our company in a non-cancelling contract, that I knew nothing about.The misinformation of the amount to cancel was also very misleading. I was told at the beginning that it would be $250. This is in stark contrast to the $13,that the third party company is charging which again was never mentioned. I feel if they want to charge me the $for canceling they should clear my account with the third party (again which I did not realize I was signing with) I would consider this case closeI have never been in a contract that was verbally presented in one way but then when you get your billing it is almost opposite of what was discussed. Also with a company glossing over that you are signing to a third party and that you find has some sort of non-canceling contract was very surprising. This company signs you up selling you to a third party and when you have problems they say they have no control over the problem, even though they are the ones that set the whole thing upThey should tell you when you ask what the cost is of canceling the contact of the whole contract and not just trying to bait and switch the customerI would not be protesting this contract if it was anywhere near what they had verbally promisedAnd do not close this file until they clear my account with the third party
Sincerely,
*** ***
Complaint: ***I am rejecting this response because: thanks for contacting me now on thisI accept the cancelling of the yearly fee I was Unaware of which happened recently after
the claim was startedThe lease for both companies was held by First data, so I was not asking direct processors to refund it, just if they would buy it out if I decided to stay with them rather than Riverside, as was inferred by the salespersonThey hit you with all the unknown charges when they talk to you on the phone after you make the deal with the salesperson, and the salesperson assures you it will be all right and that the fees won't raise your rate and the previous lease will be taken care.ofI agree to try out the service of direct processors now, since I have little choice with the huge lease I foolishly agreed to because I was assured it could be taken care of
Sincerely, *** *** ***
Dear Revdex.com Representative:
Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the
Revdex.com
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly payment The customer has been charged no extra or hidden fees outside of the fees disclosed on these agreements
Additionally, although the customer believes he has two leases with us, he in fact only has one lease in the amount of $for monthsRiverside did not sell the other lease for our company and our company has no affiliation with RiversideAlso contrary to the customer’s claim, our company offered to credit the customer $towards cancellation of his prior lease with Riverside, not the entire cancellation feeFurthermore, our customer service department has worked diligently with the customer to reduce the overall cost of his programFor example, we reduced the customer’s signature debit card transaction rate from 1% to 0%, reduced his non-qualified card transaction rate from 2.99% to 0.5%, and refunded the customer’s $annual feeThis resulted in an overall effective rate of 1.6% for the customer, including both processing and leasing fees, which is far below industry standard
As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us knowThank you
Dear Revdex.com Representative: Thank you for sending us the customer's rebuttal. As outlined in our previous response, we have arranged to terminate the customer’s processing and lease agreements early with no early termination fees or other obligations. Since termination requires the cooperation of third parties, this has taken longer than expected. We will be refunding the customer for any charges accrued during this timeAdditionally, the customer will be receiving call tags that will allow him to send back the processing equipment. As such, we feel we have addressed and resolved every issue raised in this complaintShould you need any additional information in order to close out this file, please let us know. Thank you
Dear Revdex.com Representative: Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com. ...
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $289 per month (plus applicable taxes) for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly payment. That said, our customer service department has worked diligently with the customer to resolve his concerns. On October 25th, 2016, a representative issued a credit for the upfront sales tax on the merchant’s lease. This billing of $588.70 was then broken into monthly installments versus the lump sum dictated by the merchant’s individual state. We have since offered to allow the merchant to listen to the recorded compliance call, he has refused. In regards to any withheld batches, this was a direct result of a stop payment request on February 5th, 2017 the merchant made with his own bank. Stop payment requests do keep unwanted fees from being debited, but also stop batches from being deposited. The merchant’s processing account was closed on March 9th, 2017 due to ACH Rejects from the stop payment. Any further questions about missing funds will need to be addressed with the collections department, notice was sent to the merchant with instructions on how to resolve. However, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party. We feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
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.
Sincerely,
[redacted]
Dear Revdex.com Representative: Thank you for bringing this complaint to our attention. We have reviewed the complaint and the customer’s file. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of...
all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $59 per month (plus applicable taxes) for a term of 48 months. That said, our customer service department has worked diligently with the customer to resolve their concerns. Despite those efforts, we have agreed to terminate the customer’s processing and lease agreements prior to expiration of the agreed upon terms and waive all associated early termination fees and obligations. This process takes 30 – 45 days to complete with the bank. As such, the customer will have no further obligations under these agreements after that time. As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
Dear Revdex.com Representative:Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com. We...
have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer was sent and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the $99 monthly payment (plus applicable taxes) for processing equipment for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and associated monthly lease payment. That said, our customer service department has worked diligently with the customer to resolve his concerns. All rate and fee increases are disclosed to the customer 30 days prior to being effective. Customers have the opportunity to call and discuss these changes before they occur. In this situation the customer was not accepting pin-based debit cards. Which is where the savings estimate is yielded from by our sales team. In order to see the savings as quoted the program must be run properly. As such, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party.As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
Complaint: [redacted]
I am rejecting this response because:They are correct, I have begun to use the service because they were threatening to charge extra fees for not using the service. I have spoken with them in the meantime and they refuse to cancel all contracts but made a slight change to what was being offered to me. I did sign the contracts as I stated from the beginning of this complaint, and I did agree to the ONLY part of the conversation that was recorded, however I stated the reasons for that also. When I was contacted by the sales person, the important part which was not recorded, I asked questions about fees and such on the contract and was assured they were not a concern of mine because it was for certain cards and such which I do not accept. I asked about other things I did not understand and was clearly told what I was being offered which I have found out now is not true. The salespersons lied to me to sell me the product, they continued to lie to me when I asked questions about the contract and fees which I did not understand. It would be evident if they would have recorded the entire conversation and not just the part they wanted to have heard. It would also be helpful if they would have saved the first recording when they started recording me and I stated that's not what I was promised so she sent me back to the salesperson. I then asked the salesperson again and was lied to again about what I was actually agreeing to. This company does not operate a fair business and should be held accountable for their business practices. It should be considered a crime what they did to me. I DO NOT WANT TO CONTINUE TO BE HELD TO THE CONTRACTS WITH THIS COMPANY!!
Sincerely,
[redacted]
Subject: complaint #[redacted]I received a phone call from Holli today, but was unable to resolve the issue. I was told by Jon W[redacted] in the original call when he sold me this service I would be charged 0% for all Debit Card Transactions and 1% for all other transactions. When I was...
going through the contract with the young lady (name unknown) I questioned the part that said “pinned debits”. I asked if that meant the use of debit cards had to be used with a pin number to get the 0%. I was guaranteed by both her and Jon W[redacted] that it didn’t matter if it was a debit card with a pin or just a signature on the receipt, I would in fact receive the 0% for ALL debit card transactions. After signing the paperwork and being told there were some listed fees that would not pertain to me that it just had to be on the contract because of foreign banks and other banks, it was nothing I would have to worry about. To the average person, myself, those fees and lingo of the credit card processing business is completely unable to be understood. I trusted that the sales persons who were explaining this stuff to me were being honest and fair with me. It turns out they were NOT at all honest with me and lied to me and took total advantage of me. In my opinion this is fraud and this company should not be allowed to do business in this manner. So when Jon transferred me to a lady to confirm my account info and other details, she mentioned “pinned debits” again. I then told her I was told it would be any debit regardless if a pin was used or not. She said to hold on and she transferred me back to Jon W[redacted]. I then was connected with Jon W[redacted] again and asked him the question again to make sure we were both clear that I do not have the ability to allow customers to enter their pin number that ALL debit transactions would be without a pin and would be with a signature only. He assured me AGAIN that I would get 0% on ALL debit transactions. He then transferred me back to the lady to confirm everything. I have not been able to communicate with Jon W[redacted] since then, he will not return calls or emails. Holli has taken over and as late as today I was told by Holli that there is no proof of any of what I am saying and that there is ABSOLUTELY no negotiations possible now that the contract was signed. The problem with the contract is the parts I did not understand, I questioned and was lied to guaranteeing me I would get something that Holli is now telling me is not at all close to what I will be getting. Holli is telling me I can not do anything but accept what I have, my problem is I was totally lied to and was taken advantage of, it is total fraud!!!!!!!!!!![redacted]Owner[redacted]
[redacted]
Dear Revdex.com Representative:
Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like...
the Revdex.com.
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer agreed to and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the customer’s processing agreement as well as a non-cancelable lease for processing equipment for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which she expressly confirmed her understanding of the primary terms and conditions of the agreement. Additionally, the Merchant Receipt signed by the customer clearly discloses the early termination fee applicable for termination of the processing agreement prior to the end of the term.
Despite the valid and enforceable agreements, we agreed to terminate the customer’s processing agreement early before expiration of the agreed upon term for a reduced early termination fee of $250. However, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party.
As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
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.
I am pleased to pass on the information that I was contacted by the organization and the matter was handled to my...
satisfaction.
[redacted]
Below is the content of the email/resolution I received:
Dear [redacted]
As you may know, your above referenced equipment lease agreement through First Data Global Leasing has been under review for possible early termination. After review, we have decided to terminate your lease early with no further obligation. We will also be refunding any fees accrued and providing call tags for said equipment.
The leased equipment is the property of Direct Processors and must be returned to Direct Processors at 111 SW 5th Ave., Ste. 2675, Portland, OR 97204, by no later than 01/29/2017. Please be sure to keep tracking information and/or proof of delivery for your records and confirmation. Should you not return the equipment to us by 01/29/2017, we will automatically debit your bank or merchant account on file pursuant to the terms of your agreements in the amount of $799.00 for the cost of the equipment that remains in your possession.
We appreciate the opportunity to have worked with you and wish you the best in all future endeavors. Should you have any questions, you can reach us at 866-717-5499.
Please respond via email as to this resolving your issue that you have had with us at your earliest convenience.
Best Regards,
Direct Processors Merchant Support Department
Sincerely, [redacted]
Complaint: [redacted]
I am rejecting this response because: This company uses deceptive sales practices and lied to me. I dont use their equipment yet they still charge excess fees that hurt my family owned business. They change the rates at their leisure and when they did that they violated the contract. I never accepeted increases in the card charges nor did I accept their membership fee, or any other fee. Lets listen to both recordings and let [redacted] come forth and say my claim is false. I was assured that it was 1 percent the Revdex.com can check my statements and see all the excess fees I was charged. This company is a float company for [redacted] After they are done ripping us off Direct processors will be gone and another name will be used and they will start again lieing and ripping people off. Nice vanilla response you give to everyone who makes claims of your deceptions. [redacted] lets Direct processors do their dirty work so their name isn't fouled but its all coming out. Walk away from this Direct processors I all ready have.
Dear Revdex.com Representative:
Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com.
We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the processing and lease agreements. The customer also participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreements.
That said, our customer service department has worked diligently with the customer to resolve his concerns. Though the processing and lease agreements are valid and enforceable, we have agreed to terminate the agreements early before expiration of the agreed upon terms at no cost, refund any fees incurred to date, and waive all applicable early termination fees.
As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.
Unfortunately there have been no Call Tags, no answered emails, and another "lease payment" for the equipment deducted from my account. I tried emailing a couple times but got no further response from the one I had forwarded to you in the email chain. I really wish they would have followed through and this all could have been handled easily.
Dear Revdex.com Representative:
Thank you for sending us the customer's rebuttal. Our customer service department spoke with the customer on October 20th 2016, and agreed to credit the customer $35/month for the next 39 months in order to cover the cost of terminating his prior equipment lease agreement. The customer is satisfied with this result.
As a result of the above, we feel we have addressed and resolved every issue raised in this complaint. Should you need any additional information, please let us know. Thank you.