Eliot Management Group, LLC

Complaint: [redacted] I am rejecting this response because: No one told me or explained to me or had me sign(that I can see) that prior owner transferred there merchant account to meAgain if I was told this I would not have signedIF THIS ACCOUNT WAS TRANSFERED to me why is contract for yearsHow long had prior owners been with Eliot Mgt? They told me there contract was expiring in If I took over there contract than I should be assume there expiring contract date as wellAnd I see the Merchant Account attachment---Can everyone agree that the sloppy handwritten and missing info and signatures make this agreement very tough to understand?? I request to be let out of contract and refund of my fee's paidI was told after I did the PCI Compliance I would be refunded the $I did PCI Compliance and have not even seen this refund I am very confident that if individuals at Eloit Mgt were treated like this in there business or personal dealing they would be in same boat as meMy compliant is I was not properly informed of Eloit Mgmt services, cost, and what it can do for meThe follow up since Jan has been just as badSincerely, [redacted]

Dear Complaint Resolution Team, We are in receipt of Mr [redacted] ‘s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review On September 20, 2016, Mr [redacted] s entered into a credit card processing Agreement with Eliot Management Group (“EMG”)By signing the Agreement, Mr [redacted] s acknowledged to have read, received and agreed to be bound by the Agreement and the Terms & Conditions (See page of the Agreement)Our records indicate that Mr [redacted] s has used EMG’s services for the benefit of processing over $10,in the last few monthsEMG wants to resolve this matter to the benefit of both parties in this matterAs a gesture of good faith, MsAmy W [redacted] has personally reached out to Mr [redacted] s, and is also working to lower the rates on Mr [redacted] ’s accountShe has spoken with him directly to explain everything properly and to give the excellent customer service that EMG strives for with all of their merchantsShe is available to Mr [redacted] s any time he needs clarification or assistanceWe hope this resolves Mr [redacted] 's concerns We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely,Karrah S***, Merchant Relations Specialist

Dear Ms***: We are in receipt of Ms***’s complaint and have reviewed her concernsMs [redacted] signed a Merchant Application & Agreement for a credit card processing account with Eliot Management Group (“EMG”) on April 22, and has used that account to process over $10,in transactions, as recent as this month Our records show that we received an additional Merchant Application & Agreement which was executed electronically on December 14, The second account was set up in accordance with the executed agreement and became active on December 15, 2016; however, no transactions have been processed on that accountIn consideration of Ms***’s request and in an effort to resolve this matter, we will agree to close the second account without penalty as the merchant has not processed transactions on that account We need a signed closing letter containing the account number (MID# [redacted] ) faxed to 866-347-or scanned and emailed to [email protected] in order to close the accountThis must be submitted no later than Friday January 13, Please note that Ms [redacted] has continued to process on her first account (MID# [redacted] ) and she will remain bound by the terms of that agreementTermination outside of the stipulations in ¶of the Merchant Processing Terms & Conditions will be subject to the contractual early termination fee of no less than $ Copies of both Merchant Application & Agreements and Merchant Processing Terms & Conditions have been attached to this response for referenceWe appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact usSincerely, Merchant RelationsEliot Management Group

Dear Mr [redacted] : We are in receipt of Mr [redacted] ’s additional concerns, and after further review we will agree to close Mr [redacted] ’s accounts, and waive both Early Termination Fees upon receipt of a signed closing letter from the merchant.The letter maybe faxed to ###-###-#### or it may be scanned and emailed to [email protected] We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Kourtney K [redacted] Merchant Relations

Dear Mr [redacted] :We are in receipt of Ms***‘s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your reviewWe have also included a courtesy copy of Ms***’s Lease with Lease Finance Group (“LFG”).On October 7, Ms [redacted] signed an Agreement for credit card processing services with Eliot Management Group (“EMG”) By signing this Agreement Ms [redacted] acknowledges that she has received, read and be bound by the Agreement and the Terms & Conditions (See page of the Agreement) The Agreement states that no verbal agreements have been made and that the Merchant will rely solely on the Agreement and Terms & Conditions (See page of the Agreement) The initial term of the Agreement will be for three years after Bank’s acceptance If the Agreement is terminated before the end of the term the Merchant shall pay on demand an Early Termination Fee of no less than $ On October 9, Ms***’s account became active with EMGOur records also indicate that Ms [redacted] obtained a Lease for processing equipment with LFGOn November 20, Ms [redacted] contacted EMG with questions on how to close her account We provided the merchant with closing instructions, and advised of the Early Termination FeeOur records show Ms***’s account with EMG has closed due to ACH rejects and was automatically placed for collections However as a gesture of good faith we will waive any owed fees and close the account in good standingWe also show Ms***’s Lease with LFG has closedPlease be advised that any concerns or questions regarding the Lease must be sent to them directlyWe appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly.Sincerely,Kourtney K [redacted] Merchant Relations Specialist

Dear Ms***: We have reviewed the details of this complaint and appreciate the opportunity to address this matterPlease be advised that Mr [redacted] ’s credit card processing account with Eliot Management Group (“EMG”) was set up in accordance with the merchant agreement he signed on April 25, and fees were also assessed as suchNonetheless, we would like to resolve this matter amicably and as such, have agreed to waive the balance of $in collections, close the account in good standing and remove any negative marks reported on the merchant’s creditWe ask that Mr [redacted] allow at least weeks for his credit to reflect the removal Thank you for your attention to this matterShould you or Mr [redacted] have any questions, please do not hesitate to contact us directly at [email protected] Sincerely, Merchant Relations

Dear MsG***: We are in receipt of MrW***’s complaint and have reviewed his account with Eliot Management Group (“EMG”) Our records show MrW***’s account has been terminated without penalty, effective August 17, 2015, at his written request In addition, we show MrW [redacted] was refunded $on August 7th and at this time we have placed a hold on MrW***’s account to ensure his bank account is not charged further fees At this time we consider this matter closed We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Blanca V [redacted] Merchant Relations

Dear Mr [redacted] : We have reviewed Mr [redacted] ’s concerns regarding his processing account with Eliot Management Group (“EMG”) In November Mr [redacted] opted to lease an Oceano Mobile terminal through a third party entity and at that time he also signed an Equipment Set Up Form acknowledging that EMG is not liable for and makes no representations with regard to the equipment; a copy of this form is enclosed for review Our records show that Mr [redacted] has used the mobile equipment to process several thousand dollars in transactions since November and his recent issues appear to be the result of the merchant’s premises, not an issue resulting from EMG’s actions Nonetheless, in an effort to satisfy this complaint, we will offer an equipment swap at no charge Mr [redacted] may contact our Customer Service department if he would like to accept this offer Additionally, we show that in October 2015, Mr [redacted] processed an American Express transaction in the amount of $ Mr [redacted] was paid for the transaction at that time; however, in November the cardholder exercised their chargeback rights and upon review, the funds were returned to the cardholder This was done in accordance with ¶of the Merchant Processing Terms & Conditions (the “Terms & Conditions”), therefore no refunds are due A copy of Mr [redacted] ’s Merchant Application & Agreement (the “Agreement”) and Terms & Conditions are enclosed for review We wish to note that on July 29, 2015, Mr [redacted] was mailed correspondence notifying of the ability to accept American Express Cards through the OptBlue program This letter also provided instruction on how to opt out of the program; however, we did not receive an opt-out request from Mr [redacted] Should Mr [redacted] wish to close his processing account, he must do so in accordance with ¶of the Terms & Conditions We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Blanca V [redacted] Merchant Relations Coordinator

Dear MsG***: We are in receipt of MsC***‘s complaint In response thereto we have enclosed the two (2) Merchant Application & Agreements (“the Agreements”) signed by MsC [redacted] and their corresponding Merchant Processing Terms & Conditions (“the Terms & Conditions”) Ms C [redacted] executed the first Agreement with Eliot Management Group (“EMG”) for credit card processing services on March 10th, 2010, and signed documentation agreeing to have received, read, and be bound by the Agreement and the Terms & Conditions (See, pages and of the Agreement)The Agreement clearly states it is for a three (3) year term with one (1) year auto-renewals unless terminated by the merchant in line with the Terms & Conditions; termination outside of these provisions is subject to an early termination fee of no less than $(See, ¶of the Terms & Conditions)In accordance with this signed Agreement, a processing account was set up and became active on March 11th, and we show the merchant has used the account to process over $ [redacted] as recently as July 29th, Our records show that in response to a request from the merchant, an additional Agreement was executed by MsC [redacted] for an online processing account on July 13th, and this account became active on July 14th, Thereafter, efforts began to set up the online processing software; however, upon experiencing setbacks during this process, MsC [redacted] expressed her desire to close the accountIn response to this request, this account was closed on July 28th, and in good faith, EMG waived the early termination fee as the merchant was still actively processing on her primary accountIn addition, in an effort to resolve this matter, MsC [redacted] was refunded the $equipment setup fee on July 30th, At this time, MsC***’s primary account remains active and she will remain bound by the Terms of that AgreementThe current contract expiration date is March 11th, Should MsC [redacted] wish to close her account, she must do so in accordance with ¶of the Terms & Conditions We appreciate your attention to this matterShould you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Frankie M [redacted] Merchant Relations

Dear Ms***: We are in receipt of Mr [redacted] ‘ complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review Our records indicate that Mr [redacted] ’ account was a month-to-month contract, allowing him to close the account without penalty at any timeEMG received Mr [redacted] ’ closing letter on December 12, for account closure on December 31, For unknown reasons, the account was not closed until January 2, EMG bills for the previous month on the first few days of the following month so Mr [redacted] received an ACH debit for January’s fees ($35.51) on 1/31/As a good faith gesture and to settle this matter amicably, EMG will be sending a check for $to the home address on file for the Merchant on Thursday, April 6, We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely, Merchant Relations EMG

Complaint: [redacted] I am rejecting this response because:I was totally taken advantage of by the smooth talking sales personWhy would I agree to pay over $for $worth of equipmentThey can make this right if they want to.I did not receive a copy of the contract until months laterIt had rates I would never agree toThey said they do not honor verbal agreements but they say I have a verbal agreement with the lease company??? I would agree to purchase the equipment at fair market value which is around $800.00, they said I could buy out my verbal contract for a little over $The other companies I checked with do not charge for the equipment and their monthly fees and rates are cheaperI would agree to stay with them if they would furnish the equipment like the other processors offer Sincerely, [redacted]

Dear Ms***, EMG has received this merchant's complaint and reviewed itWe spoke directly with the merchant on 12/06/2016, before this complaint was logged, about the account and her concerns with the contractual auto-renewal and closing termsWe have already, as a good faith effort to resolve the merchant's concerns, closed her account without penalty as of 12/07/EMG has done its due diligence to repair the issues that the merchant stated in her complaint, and hopes that she accepts our effort to try and make her happyIf you have any questions or concerns, do not hesitate to contact me directlyKarrah S*Merchant Relations

Dear Revdex.com Complaint Department, The charges made were valid per EMG’s understanding of the status of the accountWe must reiterate that the merchant is required to send in a signed closing notice in order to close the accountA verbal representation made to the sales representative is not appropriate to close the accountThe written notice requirement is stated in the terms & conditions of the account, in ¶Term; TerminationAlso, our customer service reps are trained to explain these requirements to the merchants if they call in requesting to close the accountAs a gesture of good faith, the account was closed without penalty as a courtesy to the merchantThank you for your attention to this matter, Merchant Relations

Complaint: [redacted] I am rejecting this response because: The $reduced fee for early exit I do not find satisfactory,given it would be equal or more than the ongoing monthly fee of $25.96I still would have to pay until February A $exit fee I wouldfind appropriate at this point The forms displayed in Eliot's company reply I acknowledge I hadsignedWhat the company did NOT acknowledge is the that they failedto inform me of the original $exit fee BEFORE I SIGNED the papers.That's the problem I have hereThe reference to that fee is buried inpages and pages of fine printThe other problem I have is that theyfailed to advise me of the annual $compliance feeOnly themonthly fees, which at the time of signing totaled $or so, wereexplained.Sincerely,Paul L***PSI am currently on vacationWill be back at my residence on June23, Tuesday Paul L***

Complaint: [redacted] I am rejecting this response because:I will respond points by points accordingly to the responses from the Eliot Management Group, LLC We were introduced that the gift card service would work great for customers but no one really came to the business showing us how to use that; so, we don't use itAlso, if you refer to page "additional products and services" on merchant application and agreement, only 1st pay service was checked but the first Advantage gift card programSo, clearly we did not agree to and are not bound by gift card agreementIn regards to early termination fee, I am very certain that Randy N***, your local sale representative said clearly that the termination fee (including LFG) would be $and we trusted him without any doubtBesides, he said the Ipads was given to us for free but it turns out to be leasing to usHe also said he would call the current credit card company at the time to cancel the service but he did notClearly, your local sale representative failed to do what he promised to do on behalf of your company We experienced lots of issues with the equipment/process and I am sure that the equipment (Ipads) was sent to our business only times for replacement and the technician only show up the first time to exchangeFor the second time, it was promised that technician would show up but did not and we don't even know what to do with it, no follow up phone call, etcThen, suddenly, our bank account had been withdrawn and we thought it was a fraud and called our bank to stop any transactionMany times, you charged our customers twice and customers came in complaining in front of other customers and never come back since thenWho would paid for such loss?Lots of times, credit card machine/ Ipad does not work, it has affected to our business when we are so busywho would pay for our time? we never ever worked with any business who rarely/ never send technicians to fix equipment, etc So, what penalties should the Eliot Management Group be responsible for of not doing what they / sale reps promise to, or even giving information to trap customers? If you ask around Greensboro, High Point, NC particularly and around the country in general, etc, you would know how many complaints and lots of times your sale reps lie to customers? Who will protect customers in this case? I don't see item of terms & conditionsPlease send meFor LGF, we never ever seen any "non cancellable lease" from any business...my brother in law who signed the contract cant read English well and totally trusted Randy N [redacted] at the time of signing contractTherefore, to your and our benefit, we will agree to pay $termination fee for each contract including LGF as mentioned by sale repIf not, we have no choice to hire a lawyer to resolve the issues Sincerely, [redacted] **

Dear Ms***,The documentation attached to our previous response was all the documentation EMG received to set up the accountWe can only operate off of what we are given in the agreement, which specifically states that the merchant agreed no verbal representations had been made and the merchant relied solely on the agreement and the terms & conditionsThat being said, if the merchant has any written documentation to substantiate her claims, we would be happy to take a look at the documentation and go from thereThank you for your attention to this matterMerchant Relations

Dear Mr [redacted] : As a gesture of good faith, and to resolve this matter amicably Eliot Management Group will refund the amount requested of $ We request that the merchant allow 3-business days for refund to be received We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely, Kourtney K*** Merchant Relations Specialist

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 meI do appreciate Elliott Management's willingness to resolve thusI do also ask in addition to this removed from personal credit, if my Ssn was also reported to the terminated merchants file list to also please remove that Sincerely, [redacted]

Dear Mr [redacted] :We appreciate the opportunity to address Ms [redacted] 's complaint EMG has been in direct contact with Ms [redacted] regarding her concerns and refunded $on January 13, Additionally, a rate review was processed on Ms [redacted] 's account, thereby lowering her processing rates At this time we believe this matter resolved.Thank you for your attention to this matter As always, please do not hesitate to contact us if you need any additional information.Blanca V***Merchant Relations Coordinator

Dear Ms [redacted] : We are in receipt of Ms [redacted] ‘s complaintSince reviewing the issue, we have been in contact with Ms [redacted] and feel that this matter has been resolved We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely, Frankie M [redacted] Merchant Relations