Electronic Merchant Systems

August 24, 2015[redacted]
[redacted]
Re:  Revdex.com Claim [redacted]Dear [redacted],In response to your inquiry, Electronic Merchant Systems has made a business decision to terminate your merchant processing account.  You will...

not be responsible for any type of cancellation fee.  EMS’ threshold is 1% for chargebacks for your type of business.  Your chargeback ratio has exceeded 6%, well above the standard.  As a result, EMS will be holding monies in reserve for 180 days from your last activity, ensuring all chargeback rights have expired.When working with EMS’ Chargeback Department, the best way to provide information regarding chargeback information is to fax the information to [redacted].  Emailing information containing credit card numbers is not a secure form of delivery.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 [redacted]

May 4, 2015[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 information. At this time, EMS will consider this matter closed.Sincerely,[redacted]Director of Client Services[redacted]

(The following was copy/paste by Revdex.com staff - [redacted]July 19, 2017[redacted]Re:  Revdex.com Claim [redacted]Dear Ms. [redacted],Thank you for taking the time to speak with Tiffany T[redacted] in our Retention department.  This letter is to confirm that your...

processing accounts have been closed without penalty or early termination fee.  Please let me know if you have any additional questions.At this time, EMS will consider this matter resolved.Sincerely,Jon C. B[redacted]Director of Client Services[redacted]

October 20, 2016[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. Thisletter is to confirm that your EMS merchant processing account has been closed without...

penaltyor early termination fee. EMS has also made the decision to release all monies currently held inreserve.At this time, EMS will consider the matter resolved.Sincerely,Jon C. B[redacted]Director of Client Services800-615- 1330 x2882

February 19, 2016Accelerated Financial Services[redacted]Re:  Revdex.com Claim [redacted]Dear Mr. [redacted],This letter is to confirm that the W-9 requested has been 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

July 13, 2016[redacted]Re: Revdex.com Claim [redacted]Dear Mr. [redacted],In response to your rebuttal, you made a business decision to transition away from EMS to anew provider. The signed and executed agreements with EMS and First Hudson Leasing willremain in place. I can have Stacy S[redacted] coordinate getting you the proper paperwork to beginthe cancellation process. The fees will not be waived, and the accounts will remain open untilthe process is completed.Sincerely,Jon C. B[redacted]Director of Client Services800-615- 1330 x2882

---------- Forwarded message ----------From: B[redacted], Jon <jb[redacted]@emscorporate.com>Date: Fri, May 13, 2016 at 11:20 AMSubject: RE: Revdex.com [redacted]To: [redacted] <[redacted]@gmail.com>Cc: "[redacted]@cleveland.Revdex.com.org" <[redacted]@cleveland.Revdex.com.org>Mr. [redacted], When accepting new merchants through an online application process, EMS must have policies and procedures in place to ensure we know who we are doing business with.  We have a proprietary 8 factor score card to assist in the underwriting process.  With the approval of the account, we also place monthly volume parameters and limits to help EMS mitigate it’s risk exposure.  With very little processing history, EMS made the business decision to place funds in reserve until a longer history is established to adjust limits and caps based on ticket size, monthly volume, chargebacks, and other such items.  I apologize you have experienced some frustration with the process.  Hopefully with that explanation, you feel better about the process.  Our intent is not to create frustration, just ensure we are doing business with legitimate merchants, and not with the hundreds of fraudulent attempts to achieve a processing account. With that being said, I had your monies released yesterday afternoon, and if you have not seen a credit post to your account today, it should be there Monday. With due consideration,Jon

March 1, 2016Never A Flaw Productions.com[redacted]
5 Red Barn Dr.Palm Coast, FL 32164Re:  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 and there will be no further charges.  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

April 29, 2015[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 information. At this time, EMS will consider this matter closed.Sincerely,[redacted]Director of Client Services800-[redacted]

[redacted]. [redacted] Attorney At Law February 12, 2016 [redacted] Dispute Resolution Specialist Revdex.com 2800 Euclid Ave. Floor Cleveland, OH 44115 Re:My client: Electronic Merchant Systems ("EMS") Dispute filed by [redacted], LLC ("[redacted]...

[redacted]") Dear Ms. [redacted]: Please be advised that the undersigned represents EMS. I am in receipt of a dispute filed by the above-referenced company dated February 5, 2016. The following is EMS's response. EMS provides credit card processing services to companies nationwide. At the inception of the processing relationship, a Merchant Agreement ("Agreement") is executed. The Agreement sets forth the terms and conditions of the processing relationship. An Agreement was executed on March 12, 2015 by [redacted] as owner and personal guarantor of [redacted]. The Agreement details fees associated with processing activity. [redacted] contracted with a third-party service provider for its website and payment gateway. The third party site was breached and a significant number of transactions were run. Pursuant to the Agreement, the amount of fees incurred was $37, 855,48. It is important to note that each transaction carries a fee. Based on the facts and circumstances of the matter, EMS voluntarily agreed to reduce the fees to $7,548.08. It is EMS's position that this reduction is equitable. In their complaint, [redacted] alleges that the true cost to process is between $.01 and $.02 per transaction. This is not accurate. Additionally, [redacted] states that the transaction fee is for "authorized transactions only." This is also not accurate. EMS incurs costs for every transaction run. Merchants are charged a fee for every transaction. As previously stated, the fee is clearly set forth in the Agreement. Lastly, [redacted] incorrectly states that EMS was only to process transactions in the amount of $19.99. The Agreement sets forth an average sale price of products sold by the merchant. This is not an exclusive amount that will be processed. [redacted]'s third party vendor was breached. As a result, a significant number of transactions were processed. In accordance with the EMS Agreement, $37,855.48 is due and owing. EMS has agreed to reduce its fee and accept $7,545.08. [redacted] is correct in stating that if this is not resolved, EMS will pursue all fees due under the Agreement. Hopefully, this will not be necessary. Do not hesitate to contact the undersigned with any questions, [redacted]. [redacted] EPS/ajm CC: Client EMS — Revdex.com— [redacted] — 2-9-16

[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]

If you look at the entire track record we have only had two bad months out of two years how is that even fair. How can you just disregard with the rude letter like that without even considering hearing us out. This matter is not over. Do you have other merchant accounts that are allowed to get way more chargebacks without having to worry about losing their merchant account. We had two bad months and now we have to lose our merchant account that is not fair at all!!

December 3, 2015[redacted]Re:  Revdex.com Claim [redacted]Dear [redacted],As the result of EMS terminating your account due to excessive chargebacks, EMS is holding monies in reserve until chargeback rights expire.  With...

that being said, EMS has released $2,200.00 on November 20, 2015, and an additional $6000.00 on December 2, 2015.  At this time, EMS will continue to hold monies, and release funds accordingly based on chargeback timeframes.  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]

October 9, 2015[redacted]Re:  Revdex.com Claim [redacted],Thank you for taking the time to speak with Eric F[redacted] in our Retention Department. This letter is to confirm that your EMS processing account will be 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 ** B[redacted]Director of Client Service 800-615-1330 [redacted]

December 23, 2015[redacted]Re:  Revdex.com Claim [redacted],Thank you for taking the time to speak with me.  This letter is to confirm that your EMS processing account has been closed without penalty or early termination fee....

 Also, per our conversation, EMS has agreed to refund you $124.00 for month end fees. 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]