Eliot Management Group, LLC

Dear Ms. [redacted]: 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.  Upon digitally executing the...

Agreement on October 12, 2016, Mr. [redacted] acknowledged to have received, read, and be bound by the Agreement (Page 4, Agreement). Agreement clearly contains language confirming no verbal, agreements or representations have been made and merchant has solely relied on the Agreement and Terms & Conditions, (Page 4). The contact for any new merchant is not the sales rep, but customer service. The customer service department is available 24/7 for all merchants who have questions or need troubleshooting. Mr. [redacted] was given the customer service information in his welcome packet when he first set up his account, and expected to use the resource if he had any problems with his account. As a gesture of good faith, EMG has closed Mr. [redacted]’s account without penalty, despite his contract stating that he would be charged a $495 early termination fee for closing before the end of the three-year contract (See page 4 of the Agreement and paragraph 23 of the Terms & Conditions). Because Mr. [redacted] was not obligated to pay the contractual early termination fee, an amount greater than the refund Mr. [redacted] requested, no additional concessions will be paid out. 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, Merchant Relations, EMG

Dear Ms. [redacted]: We are in receipt of Mr. [redacted]‘s complaint.  In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”), the Merchant Processing Terms & Conditions (“the Terms & Conditions”), and the Ascentium Lease (“Lease”) for your review. ...

The merchant signed the Agreement and the Lease on December 02, 2016. By signing, the merchant acknowledged that he had received, read, and agreed to be bound by the Agreement and the Terms & Conditions. The Agreement term was originally 12 months, extended to December 2019 from a previous rate review. The Lease is non-cancellable, for a term of 48 months. The merchant has been in contact with us, has received a copy of the Agreement and the Lease, and is also in receipt of another rate review established as a gesture of good faith to lower the merchant’s rates and fees going forward. We await the response from the merchant as to his agreement with the rate review. At this time, we must stand by the Agreement the merchant signed. If the merchant wishes to close his processing account with EMG, he may do so but will incur a $595 early termination fee for discontinuing the Agreement before the scheduled expiration date. The Lease is non-cancellable. 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, Merchant Relations

Hello,The ETF line is really small to read and when the agent came, he said that NO CONTRACT. My issue is I trust Randy N[redacted]. About the lease, I have another lease for VX 520, this one around 200$-400 max to buy on the market and they charge me the lease for 140 per month. What do you think about that?This is really ripped me off. Furthermore, they sent me the Hiopos and I used it for a few months then it doesn't work. I called in to ask the replacement and they said that one I have to pay 300$ or more. They sent me the bad one for few months and want me pay more. I have to pay 165/month for the equipment that no work. And then they let me lease an equipment value 200$ or 400 total but charge 140$ for per month in 4 years. it makes 3-400 times compare to that value. OK if my eyes didn't see the ETF is I signed already is fine. However, the lease  I got is ripped off. I want to fix the POS or turn back to them and no charge me anymore. and stop charge me for the VX520 too much.Hello whoever on Elliot - you charged me for the useless equipment and still said that you help me for the 400,000$ in my processing. Please consider your heart to see it.I have to pay for supply, employees, processing service, etc.... and got charge too much expensive from your unethic company. I dont know how your company have the license to open the business. I will fight to the end.Looking lawyer to help me now.   Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I was not informed about the monthly fee whatsoever.I was told that the reader purchase would be the only fee I would pay.I was given the agreement in a manner "please sign here and date".
Sincerely,
[redacted]

Dear Mr. [redacted]:
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. 
In December
2015, Mr. [redacted] entered into a three (3) year Agreement with Eliot Management
Group (“EMG”) for credit card processing services. By signing the Agreement Mr.
[redacted] acknowledged to have received, read and agreed to be bound by the
Agreement and the Terms & Conditions. Paragraph 23 of the Terms &
Conditions contains the requirements to close the merchants processing account;
it covers in detail that a merchant must provide written notification at least
30, but more than 90 days before the end of an applicable term to avoid an
Early Termination Fee of no less than $495.00. Furthermore, all fees are
clearly disclosed in paragraph 27 of the Terms & Conditions.
On December
4, 2015 Mr. [redacted]’s account became active with EMG. Our records indicate that
Mr. [redacted] has used and received benefit of the processing account to process
over $[redacted] in credit card transactions.  On February 19, 2016 Mr. [redacted] contacted us
with questions about rates and fees on his account. A rate review was offered however,
we received no response from the merchant.  On April 6, 2016 after an attempt was made to
collect contractual fees was rejected the account was closed and automatically
placed into collections.    
The amount
currently owed by Mr. [redacted] is $[redacted] ($[redacted] monthly fee, $[redacted] PCI fee,
$[redacted] Early Termination Fee $[redacted] collection fee). To make payment
arrangements Mr. [redacted] will need to contact Scott M[redacted] at ###-###-####.
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 have reviewed Mr. [redacted]’s concerns and appreciate the opportunity to respond. Our records show Mr. [redacted] signed the attached Merchant Application & Agreement (the “Agreement”) with Eliot Management Group (“EMG”) on April 28, 2016 and upon doing so, authorized a...

credit report inquiry (See, Acknowledgements on page 5 of the Agreement).  As such, upon receipt of the signed Agreement, a standard credit inquiry was made.  Nonetheless, at this time we have submitted a request with Experian to have the hard inquiry removed from Mr. [redacted]’s credit; this should be completely removed within 7 business days.  We apologize for any inconvenience caused. Thank you for 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

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 do appreciate Elliott Management's willingness to resolve thus. I 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]

August 18, 2016                                    Re:       [redacted] ...

            MID#: [redacted]/[redacted] Dear Ms. [redacted]: We are in receipt of Mr. [redacted]‘s complaint. Mr. [redacted] (“the merchant”) has two accounts with Eliot Management Group (“EMG”).  In response thereto we have enclosed the two Merchant Applications & Agreements (“the Agreements”), important e-merchant information in regards to the online account, and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review.  The first account that Mr. [redacted] holds with us is his Point of Sale (“POS”) account. He signed the application for this account in March of 2013. Another account (online account) was recently signed up for, with the merchant signing the agreement in June of 2016. Our records indicate that the merchant has been processing on his original POS account since 2013, with over $1M in sales going through our system for processing, as recently as 8/17/2016.  On the newer online account, only one transaction (“disputed transaction”) has been processed, for $2000 (the disputed transaction that the merchant claimed needed $400 of employee time and extra effort to resolve.) This transaction has been resolved as of 7/28/2016. No transactions have been processed on this account since this incident. The online account was conditionally approved when opened, but was suspended because the online website was incomplete, missing the Privacy Policy, a Refund Policy, and a Secure Shopping cart. The website was also not up to PCI compliance standards.  We acknowledge that the merchant does not wish to hold the online account to process transactions, and wants to continue to use the POS system previously set up in 2013. As a gesture of good faith, if the merchant would like to discontinue the online account, EMG will do so at the merchant’s request, as well as waive the Early Termination Fee of $495 in an effort to settle this matter to the satisfaction of the merchant; as long as the POS account remains active. EMG will make every effort to resolve any further problems the merchant may have or issues that arise. 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, Kori H[redacted] Merchant Relations

Dear [redacted]:We are in receipt of Mr. [redacted]‘s rejection to our response and appreciate the opportunity to respond. As with each of our customers we take Mr. [redacted]’s concerns seriously and are handling them with the utmost importance.  Upon previously reviewing this account thoroughly we found that on February 19, 2015 Mr. [redacted] signed a Non-Cancellable Lease with LFG, which EMG Is not a party to. Mr. [redacted] has been given assistance by both the Sales rep and Sales manager in the setting up of the equipment and he has been thoroughly trained on the system.   Our records indicate that Mr. [redacted]’s issue with the equipment is that he does not like the menu features. This was confirmed by his son [redacted] when he contacted us on May 5, 2015.  Mr. [redacted]’s dislike of the menu in no way hinders him from running his business or using the equipment to process payments.  As previously stated we have released Mr. [redacted] from his processing contract with no fees.  However he is still bound to his separate Lease with LFG and will need to contact them directly to resolve any current concerns.  We appreciate your attention to this matter.  Sincerely,Kourtney K[redacted]Merchant Relations

Dear Ms. [redacted], EMG has received this merchant's complaint and reviewed it. We 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 terms. We have already, as a good faith effort to...

resolve the merchant's concerns, closed her account without penalty as of 12/07/2016. 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 happy. If you have any questions or concerns, do not hesitate to contact me directly. Karrah S[redacted]Merchant Relations

Dear Mr. [redacted]:
At this time we stand by our
previous responses. As previously stated, the merchant’s two accounts became
active in December 2015 and we show the merchant immediately began processing
transactions on the retail account. Again, all charges on the online account
have been refunded in an effort to resolve the merchant’s concerns.
Additionally, month end fees of $[redacted] for March 2016 charged on the retail
account were refunded as a gesture of good faith. Both accounts have been
closed without penalty.  We believe EMG
has made every reasonable effort to resolve the merchant’s concerns.  As the merchant used the retail account to
process transactions, all remaining charges are valid per the signed Agreement
and no further refunds will be issued.
At this time we feel that we have
done everything in our power to reach an amicable resolution with Ms.
[redacted], and at this time no further refunds will be given.
Kourtney
K[redacted]
Merchant
relations

Complaint: [redacted]
I am rejecting this response because: I have not received a full refund. They are liars and crooks. You can tell by their reviews. I believe my information was stolen and they do not deserve to have any type of good rating. 
Sincerely,
[redacted]

Dear Ms. G[redacted]:
 
We certainly
take Ms. F[redacted]’s concerns very seriously and we are currently still investigating this matter.  We will
provide a response to Ms. F[redacted]’s concerns as early as possible. However, in
the interim, Ms. F[redacted] may contact me directly at [redacted].
 
Thank you
for your attention to this matter.
 
Sincerely,
 
Blanca V[redacted]
Merchant Relations

The resolution was denied because I am out $458.66, not the amount to decided to pay me. I was told in person by Terrence that this contract would not start until I gave the go ahead. I never did. The charges that were processed were done on the mobile app which I was told by Rick that they did not have anything to do with each other. I have over 30 text messages back and forth from Rick stating all of this. He assured me Terry was working on the credits over and over again. I had no reason to think they would not follow through. I also signed a cancellation letter on 01/19 requesting to cancel it since I was not going to have time to get involved with the POS side. Rick faxed this to me and I signed immediately and sent back. I was told time after time that Terrence was working on my refunds. I feel so used by these 2 guys. They took advantage of my small business and made promises that they couldn't deliver. They know what they did and they are going to have to deal with me at some point. I, to this day, have called the local EMG office to speak to Terry and he never returns my calls. I even spoke to another lady the other day and she assured me she would handle this and get back to me the next day, still nothing and that was days ago. I will not resolve this complaint unless I get a full credit in the amount of $458.66. I am attaching the cancellation form signed by me and faxed to Rick on 01/25 but I have plenty of text messages that prove I never asked for this and where I was told they were issuing credit that never came. If copies of those are needed, I can comply. Thank you!

Dear Mr. [redacted]:We are in receipt of Mr. [redacted]‘s complaint.  After further research it has come to our attention that Mr. [redacted]’s contract was mistakenly set up as a yearly contract and not a month to month Agreement as he had been told.  To resolve this matter in an amicable fashion...

Eliot Management Group will waive the $495.00 Early Termination Fee and close the account upon receipt of a signed letter requesting closure faxed to my attention at ###-###-####.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 Specialist

All of these responses keep saying the same thing about be signing the agreement. I understand I signed that agreement but the 2 gentlemen sitting across from me, gave me their word that it would not start until I gave them the go ahead which I also told them would be a couple of months since my husband was about to go in for back surgery in a couple of days. I took their word at face value. The 2nd portion you keep saying is that I ran transactions on the account, this was for the swiper account which I was also told by Rick that it was 2 separate accounts that had nothing to do with each other. The Online account was never used and that is also the one that keeps charging me PCI fees. I NEVER ran one single transaction through this account. Again, 2 of the representatives from Eliot Management Group out of Charlotte made a promise to me that they did not keep. They know this to be true, because neither one of them have never returned my calls before this went to the Revdex.com. I have countless text messages between Rick and I that state cancellation requests, state that they are working on my refunds, state that the swiped account is separate from the MOTO account, state that the account was not supposed to be started yet. Should I attach these to the next offer I decline? These 2 gentlemen misrepresented themselves about your company and it's procedure's to me and they know it. Why has no one mentioned them through all of this? Why has no one asked them what they promised me? I was lied to, promised things that apparently they can't promise and feel that they did not follow through when I made inquiries about the fees being charged to me. I trusted that they were working on getting me credits, cancelling the account when I found out it was active and going to make this all OK with me and my bank account. A verbal agreement is just that, verbal. Why would I write it on an agreement? Please advise which supporting documents you may need to settle this once and for all because I have them all!

Dear Ms. [redacted]: We are in receipt of Ms. [redacted]‘s complaint.  In response thereto we have enclosed the Merchant Application & Agreements (“the Agreements”) for both accounts and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review.  The original...

contract was signed with Eliot Management Group on January 13, 2017. The merchant, by signing, acknowledged to have received, read, and be bound by the Agreement and Terms & Conditions. In regards to the “mystery” charge on the merchant’s account, we have no records in either account of a charge of $48.85 being drafted by EMG. According to our records, when the original account was closed, it incurred the contractual early termination fee as referenced in paragraph 23 of the Terms & Conditions as well as the Acknowledgments page of the Agreement, page 4. The merchant stopped payment for this fee; therefore the account was referred to collections, which has attempted to collect the early termination fee and a $30 return draft fee. As a gesture of good faith, we will waive the early termination fee and return draft fee currently in collections, and will close the account’s collection efforts so the merchant will effectively not pay an early termination fee for the closure of the original account. For the account that is still open, we will waive the contractual early termination fee and close the account without penalty provided the merchant provides a signed closing letter for the account by June 23, 2017. 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,Merchant Relations

Dear Ms. [redacted],  We take our merchants' concerns very seriously. We are in the process of thoroughly investigating this matter and will reply as early as possible with our detailed response.  Thank you for your attention, Merchant Relations

Dear Ms. [redacted]:   We have reviewed [redacted]. **’s complaint in detail and appreciate the opportunity to address the complainant’s concerns. In response thereto we have included the two (2) Merchant Application & Agreements (the “Agreements”) and their corresponding Merchant Processing Terms & Conditions (“the Terms & Conditions”), along with the Gift Card Agreements Mr. [redacted] executed for services with Eliot Management Group (“EMG”). In addition, we have included courtesy copies of the two (2) Lease Finance Group Non-Cancellable Leases executed by Mr. [redacted].   Mr. [redacted] signed the Agreements for two credit card processing accounts with EMG on December 29, 2015 and upon doing so acknowledged to have received, read and be bound by the Agreements and the Terms & Conditions, in addition to confirming no verbal agreements or representations had been made (See, pages 5 and 6 of the Agreements).  Subsequently, Mr. [redacted] executed the Gift Card Agreements on January 12, 2016 for gift card services on both of the accounts and at that time, accepted and agreed to be bound by the Gift Card Processing Agreements and the Terms & Conditions (See, the Gift Card Agreements).  Additionally, we show Mr. [redacted], opted to lease processing equipment on each of the accounts through the separate entity, Lease Finance Group (“LFG”), and therefore entered into two separate Non-Cancellable Leases (the “Leases”) with them.   In accordance with the signed Agreements, Mr. [redacted]’s accounts were set up and became active in December 2015. Please be advised that all applicable rates and fees on the accounts are clearly disclosed in the signed Agreements and their Terms & Conditions (See, pages 2 and 3 of the Agreement and ¶27 of the Terms & Conditions).  The Agreements clearly state that the three (3) year term will commence upon bank acceptance and are subject to an early termination fee of no less than $495 per account for credit services and $100 per account for gift card services (See, pg. 5 of the Agreement and ¶27 of the Terms & Conditions as well as ¶7 of the FirstAdvantage Gift Card Terms & Conditions).   Our records show Mr. [redacted]’s processing accounts were not charged outside of the terms of the Agreements.  We show the merchant experienced various issues with the equipment on the accounts.  However, each time, the merchant was assisted and EMG made every effort to resolve the issues, including swapping the merchant’s equipment on occasions and assisting the merchant on site. Please note, Mr. [redacted] was charged contractual non-returned equipment fees for not returning the swapped equipment within 30 days (See, ¶27 of the Terms & Conditions); however, these were refunded upon receipt of the equipment.  Mr. [redacted]’s accounts are currently active and have been used to process over $230,000 as recently as August 15, 2016.  We are available and happy to assist the merchant with his processing accounts at his convenience; however, at this time we will stand by the terms of the Agreements.  Should the merchant wish to terminate his accounts, we would refer him to ¶27 of the Terms & Conditions and ¶7 of the FirstAdvantage Gift Card Terms & Conditions.  Also, we wish to reiterate that the LFG Leases are separate agreements and the merchant will remain bound by those contracts. The merchant should contact LFG directly with any concerns pertaining thereto.   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] Coordinator, Merchant Relations

Dear Ms. [redacted]: Upon receipt of Mr. [redacted]’s complaint we reviewed the matter in detail and have attempted to speak with Mr. [redacted] directly via phone; however, there has been no response to our phone calls. Per the sales representative, this matter has been resolved to Mr. [redacted]’s satisfaction. If Mr....

[redacted] feels this is not the case, we invite him to contact Amber Pearson directly for assistance at 817-585-4449 to work on a satisfactory resolution. Thank you for attention to this matter. Sincerely, Merchant Relations