Electronic Merchant Systems

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

May 5, [redacted] ***Re: Revdex.com Claim [redacted] Dea [redacted] ***,In response to your inquiry, EMS creates a company profile for all of our merchants The issue is the result of the information you had provided to us during the application process You had stated that your average ticket is $and your average monthly volume is $ With said information considered, EMS assigned a monthly volume cap of $1000, four times what you had disclosed on your application EMS also reviewed your actual processing history Volume in January was $91, February was $0, and March was $Naturally a $3,transaction raises some red flags Based on the information you had provided and your actual processing history, EMS has made a business decision to hold these funds until all chargeback rights expire, protecting both you and EMS from a significant chargeback issue Please let me know if you have any questions or require any additional informationAt this time, EMS will consider this matter closed.Sincerely,Jon [redacted] B [redacted] Director of Client Services [redacted] ***

June 17, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,Thank you for taking the time to speak with Stacy S [redacted] in our Retention department This letter is to confirm that the processing account for [redacted] *** [redacted] has been cancelled without penalty or early termination fee We have also calculated a refund and issued a call tag for the equipment We look forward to continue doing business with you on your remaining account I would like to apologize for any inconvenience this may have caused Please let me know if you have any questions or require any additional informationAt this time, EMS will consider this matter closed.Sincerely,Jon [redacted] B [redacted] Director of Client Services800- [redacted] ***

May 4, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,This letter is to confirm that your processing account has been cancelled without penalty or early termination fee I would like to apologize for any inconvenience this may have caused Please let me know if you have any questions or require any additional informationAt this time, EMS will consider this matter closed.Sincerely, [redacted] Director of Client Services [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below When I signed up for their service it asked some basic questions about my business and average ticket salesAt no time until this problem did they ever inform or notify me there would be any sort of limit on the amount I could charge, let alone a limit for the entire monthHad I known this at any point I would not have signed up with them or I would have cancelled immediately after finding this outThen to find out that after they hold the entire amount until the next month they would only release the amount of your monthly limit and hold the remainder for daysI don't know of anyone in their right mind that would agree to these terms, and I'm sure that is why they do not disclose them to customers until the issue arisesThey claim they are making a "business decision" to hold funds for days without approval is theftI never agreed to these terms and therefore they have stolen my moneyPlease check previous complaints filed against this company and you will see this is a habitual complaint against themThat alone should be proof enough they never disclosed their money retention practices to me or any other customerBy doing this they are practicing under pretenses and therefore committing fraud Regards, [redacted] ***

April 29, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ***,This letter is to confirm that your processing account has been cancelled I would like to apologize for any inconvenience this may have caused Please let me know if you have any questions or require any additional informationAt this time, EMS will consider this matter closed.Sincerely, [redacted] Director of Client Services800- [redacted] ***

May 20, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,Thank you for taking the time to speak with [redacted] *** This letter is to confirm that your processing account has been cancelled and the Audio Jack Swiper has been received I would like to apologize for any inconvenience this may have caused Please let me know if you have any questions or require any additional informationAt this time, EMS will consider this matter closed.Sincerely, [redacted] Director of Client Services800- [redacted] ***

April 20, 2015*** *** *** *** *** ** ***Re: Revdex.com Claim *** *** ***,This letter is to confirm that your processing account has been cancelled without penalty or early termination fee I would like to apologize for any inconvenience this
may have caused Please let me know if you have any questions or require any additional information. At this time, EMS will consider this matter closed.Sincerely,*** ** ***Director of Client Services800-*** ***

July 15, 2015*** *** *** * *** *** *** *** *** ** ***Re: Revdex.com Claim ***Dear *** ***This letter is to confirm that your account has been reviewed and the Semi-Annual Technology Update Fee has been removed from your fee schedule EMS
has also issued a refund in the amount of $for the previous fees charged per your desired settlement. I would like to apologize for any inconvenience this may have caused We look forward to our continued business relationship Please let me know if you have any additional questions or concerns. At this time, EMS will consider this matter closed.Sincerely,Jon ** B***Director of Client Service *** ***

June 18, 2015*** *** *** *** *** *** *** *** ** ***Re: Revdex.com Claim ***Dear *** ***,Thank you for taking the time to speak with Stacy S*** in our Retention department This letter is to confirm that both of your processing
accounts with EMS have been cancelled without penalty or early termination fee I have also confirmed that First Hudson Leasing has cancelled your leases We have calculated a refund of $4,for charges that occurred after you stopped using the service I like to apologize for any inconvenience this may have caused Please let me know if you have any questions or require any additional information. At this time, EMS will consider this matter closed.Sincerely,Jon ** ***Director of Client Services800-*** ***

Consumer confirmed via email that the complaint is resolved.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.  The account was in good standing and should have never been closed it should've never been put in for review it should've never had high ratio. They did something unethical and it needs to be addressed.
Regards,
[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. 
Regards,
[redacted]

May 25, 2017   [redacted]
[redacted]
[redacted]
[redacted]   Re: Revdex.com Claim [redacted]   Dear [redacted],   After a review of the relationship and based on the number of your customers charging back your...

services, EMS has made a business decision to terminate your merchant processing account. Your chargeback ratio exceeds EMS’ threshold tolerance.   At this time, EMS will consider this matter closed.   Sincerely,     Jon *. B[redacted] Director of Client Service 800-615-1330 x2882

November 18, 2015[redacted]Re:  Revdex.com Claim [redacted],Thank you for taking the time to work with Stacy S[redacted] in our Retention Department.  This letter is to confirm that your EMS processing account has been cancelled...

without penalty or early termination fee.  We have also released $405.63 for monies held in reserve.  I would like to apologize for any inconvenience this may have caused. At this time, EMS will consider this matter closed.  Please let me know if you have any other questions or concerns.Sincerely,Jon ** B[redacted]Director of Client Service 800-[redacted]

August 6, 2015[redacted]Re:  Revdex.com Claim [redacted]Dear [redacted],I’ve attempted to contact you by phone but was unsuccessful.  This letter is to confirm that $7,000.00 held in reserve at EMS was released to you on...

7/29/15 per your desired settlement.   I would like to apologize for any inconvenience this may have caused.  Please let me know if you have any additional questions or concerns. At this time, EMS will consider this matter closed.Sincerely,Jon ** B[redacted]Director of Client Service 800-[redacted]

Revdex.com: Thank you so much for your intervention, I am very pleased with the outcome in reference to complaint ID [redacted].  
Regards,
[redacted]

---------- Forwarded message ----------From: B[redacted], Jon <jb[redacted]@emscorporate.com>Date: Wed, Jun 1, 2016 at 10:14 AMSubject: RE: Revdex.com [redacted]To: [redacted] <[redacted].com>Cc: "[redacted]@cleveland.Revdex.com.org" <[redacted]@cleveland.Revdex.com.org>Good morning, I have requested  Stacy’s manager to reach out to you to review the details around your charge backs.  Please expect a call from Stephanie L[redacted] to discuss. Thanks,Jon

From: B[redacted], Jon Date: Wed, Jan 11, 2017 at 2:17 PMSubject: RE: Revdex.com Complaint [redacted]To: [redacted] Student Loan Consolidation <[email protected]>Cc: "[redacted]@cleveland.Revdex.com.org)" <[redacted]@cleveland.Revdex.com.org>
Mr. [redacted],
 
The review has been completed and the $1,000.00 is in the process of getting released.  Please allow two business days for the monies to post to your account.
 
Thanks,
Jon

May 18, 2016[redacted]Re: Revdex.com Claim [redacted]Dear Ms. [redacted],Thank you for taking the time to speak with me. This letter is to summarize our conversations.EMS will close your processing account without penalty or early termination fee 60...

days fromthe date of this letter. I have also included documentation explaining your current ratestructure. The first document is your original application signed at 2.19% on 1/7/15. Based onyour business type, EMS would not move forward with those rates. The deal was then re-writtenand a new document was signed on 1/17/15 at 3.95%. The third document included is yourOctober 2015 statement, notifying you of a rate increase of .30%. The increase then took yourbase rate to the current 4.25%.With that being said, EMS has made the business to decision to refund a total of $690.31representing the difference of your initial signed document and your current rate. EMS has alsoreleased $3,695.88 of monies held in reserve.EMS would like to wish you luck with your new merchant services provider. Please let me knowif you have any additional questions or concerns. At this time, EMS will consider this matterclosed.Sincerely,Jon C. B[redacted]Director of Client Service800-615- 1330 x2882