Electronic Merchant Systems

November 2, 2015[redacted]Re:  Revdex.com Claim [redacted],Thank you for taking the time to speak with me.  This letter is to confirm that your merchant processing account has been cancelled.  EMS has released...

$2,455.67 of monies held in reserve.  We have also processed a refund in the amount of $175.55 for the purchase of 14 mobile swipers.  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 [redacted]

July 31, 2017   Jennifer C[redacted]
[redacted]
[redacted]   Re: Revdex.com Complaint [redacted]   Dear Ms. C[redacted],   This letter is to confirm that your EMS processing account will be closed without penalty or early termination fee. Please continue to work with Stacy S[redacted] on the timeline of your transition to a new provider. EMS will capitulate on monthly services you state should have been cancelled. We have initiated refunds in the amount of $649.00 and $1,000.64 for those services. I have also contacted [redacted] to get your gift card/equipment lease cancelled once we are in receipt of the equipment.   At this time, EMS will consider this matter closed.   Sincerely, Jon *. B[redacted] Director of Client Services [redacted]

April 1, 2016[redacted], LLC[redacted]
[redacted]Re:  Revdex.com Claim [redacted]Dear Ms. [redacted]Thank you for taking the time to speak with Stacy S[redacted] in our Retention department.  This letter is to confirm that your account was closed due to your chargeback...

ratio.  However, there are no monies being held currently in reserve, and all documentation you had requested from our Chargeback and Risk departments was provided.  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 C. B[redacted]Director of Client Service 800-615-1330 x2882

electronic merchant systems October 10, 2017 [redacted] 
[redacted] 
[redacted] Re: Revdex.com Claim [redacted] Dear Ms. [redacted], This letter is to confirm your EMS processing account has been closed due to your...

application being declined. We have also initiated two cardholder refunds on your behalf for the two transactions processed per your desired settlement. You may contact your customer to inform them of the refunds. At this time, EMS will consider the matter resolved.  Sincerely, Jon *. B[redacted] Director of Client Services [redacted]

This business response was received by Revdex.com via email and is a copy/paste.November 29, 2017 [redacted]
[redacted]
[redacted]
[redacted]
 
[redacted] Dear [redacted] Thank you for taking the time to work with Stacy...

S[redacted] in our Retention department. This letter is to confirm that your account has been closed per your desired settlement. EMS has also made the business decision to refund the cancel fee that you were charged, along with the monthly fees that you were assessed, for a total of $1,185.77. At this time, EMS will consider the matter resolved. Sincerely, Jon [redacted]
[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. I would like to know when the money held in reserve will be released. If it is not being released early as requested, please inform me the dates on which it will be released. There is no way you can simply hold the funds in your possession forever.
Regards,
[redacted]

September 13, 2016[redacted]Re: Revdex.com Claim [redacted]Dear Mr. [redacted],Thank you for taking the time to work with Stacy S[redacted] in our Retention department. This letteris to confirm that your EMS processing account has been closed. We...

have also processed a$2000.00 refund per your desired settlement.At this time, EMS will consider the matter resolved.Sincerely,Jon C. B[redacted]Director of Client Services800-615- 1330 x2882

*See attached business response.

July 13, 2017   [redacted]
[redacted]
[redacted]
[redacted]   Re: Revdex.com Complaint [redacted]   Dear Mr. [redacted],   Thank you for taking the time to work with Stacy S[redacted] from our Retention Department. As the result of that...

conversation, the decision was made that you would refund the three transactions in question. As of today, only two were processed. As soon as the third transaction is refunded, we will close your account per your desired settlement.   I would like to apologize for any inconvenience this has caused. At this time, EMS considers this matter resolved.   Sincerely,     Jon *. B[redacted] Director of Client Services [redacted]

August 13, 2015[redacted]
[redacted]Re:  Revdex.com Claim [redacted]Dear [redacted],Thank you for taking the time to speak with me. Per our conversation, this letter is to confirm that your processing account with Electronic...

Merchant Systems has been cancelled without penalty or early termination fee.  We have also calculated a refund of $257.98 to be credited for the last two months of fees.   I would like to take this opportunity 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]

July 20, 2015[redacted]Re:  Revdex.com Claim 1[redacted]Dear [redacted],Thank you for taking the time to speak with Stacy S[redacted] in our Retention Department.  This letter is to confirm the cancel fee associated with your processing account has been...

reduced and that you agree to pay one half, totaling  $297.50. 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]

May 31, 2017   [redacted]   Re: Revdex.com Claim [redacted]   Dear Mr. [redacted],   I attempted to reach you by phone, but was unsuccessful. This letter is to confirm that all monies previously held on your account have now been...

released. In your complaint you stated you were assessed some overdraft fees as a result of the monies being held. Please contact me directly to discuss those fees and the potential reimbursement.   I look forward to hearing from you.   Sincerely,     Jon C. B[redacted] Director of Client Services 800-615-1330 x2882

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

March 28, 2016[redacted]Re:  Revdex.com Claim [redacted]Dear Ms. [redacted],Thank you for taking the time to speak with both Michael B[redacted] and me. This letter is to confirm that your EMS processing account has been cancelled prior to...

installation.  We have processed a refund of $53.37 representing the initial down payment charged.  Per your desired settlement, we have also submitted a request to [redacted] to remove the credit inquiry from Mr. [redacted]’s report. 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 C. B[redacted]Director of Client Service 800-615-1330 x2882

I am not agreeing with the fact that they are still holding my money.  We have zero chargebacks.  They set up a reserve to cover chargebacks and the reserve holds about $2700 at the moment (could be more, I am just estimating).  In addition to that agreed reserve hold, they are holding over $8,000.00 which totals the other 90% of revenue collected for a period of about a month.  This has really hurt our business as this income is needed to continue operating.  According to the agreement signed, they have to right to hold 100% of our income, we agreed to a 10% hold to cover possible chargebacks.I am not satisfied with their response.

April 19, 2016** [redacted]Re:  Revdex.com Claim [redacted]Dear Mr. [redacted],This letter is to confirm that EMS has cancelled your processing accounts and released all monies held in reserve per your desired settlement. The final releases consisted of...

$117.81 and $4,943.08.  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 C. B[redacted]Director of Client Service 800-615-1330 x2882

May 3, 2016Realty Restorations[redacted]Re:  Revdex.com Claim [redacted]Dear Mr. [redacted],Per your desired settlement, this letter is to confirm your EMS processing account has been cancelled.  EMS has released all monies held in reserve.  The...

total of funds released were $2,153.06.  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 C. B[redacted]Director of Client Service 800-615-1330 x2882

March 16, 2016[redacted]Re:  Revdex.com Claim [redacted]Dear Mr. [redacted],Thank you for taking the time to speak with Stacy S[redacted] in our Retention department.  This letter is to confirm that your EMS processing account...

has been closed 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 additional questions or concerns. At this time, EMS will consider this matter closed.Sincerely,Jon C. B[redacted]Director of Client Service 800-615-1330 x2882

May 20, 2015[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 information. At this time, EMS will consider this matter closed.Sincerely,[redacted]Director of Client Services800-[redacted]