Expect Payment Solutions LLC

There is no "fraud" on our part, we lived up to our agreement, you are the one who chose to cancel early and then when hit with fees decide to take it to a public forum and paint a picture of us as the bad party The fees for cancelling are clearly stated in our agreement and the reason you were dealt with via email is due to the initial nature of your phone call and threats Per our attorney, all correspondence was done in writing for this exact reason We had an agreement, we were fulfilling our end, you are the one who left early, were told of charges and is no crying foul You broke the agreement and money is owed because of that and for no other reason Wrongful or criminal deception is the definition of fraud, please explain to me how you were deceived? You signed an agreement in places, initialed in more spots, used our services for almost years, terminated the agreement early for reasons unknown, and I am committing fraud?I am done responding to this, if I do not receive a check for the amount owed I will move this on to collections

Complaint: [redacted] I am rejecting this response because: They claim they saved us money, but even after reducing the $per month fee to $50, their total monthly charges were much more than we were paying before switching to ExpectWe kept telling them their fees were still too high, and they kept promising to see if they could reduce their fees furtherAfter many months of hanging on and hoping they would indeed reduce their fees further, we finally had no alternative than to switch back to our previous providerI have a lot of emails documenting all of that, plus I have ample proof that their fees were much higher than we had been paying previous to switching to ExpectTheir guarantee is that we could switch with no fees if they couldn't save us moneyThey didn't save us money, they cost us many thousands of dollars.Sincerely, [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 It is true that our issue with Expect Payment Solutions is now resolved, but not as a result of any action taken by Expect Payment Solutions After we contacted First Data Global Leasing, and explained that FDGL was contributing to fraudulent withdrawal of monies from our account as a result of Expect Payment actions and the lack of equipment delivery (for which the payments were intended to cover), then FDGL performed their own in house investigation and agreed with us, then refunded our money in full and cancelled the contract FDGL took this action unilaterally in less than weeks from our fraud complaint, since they were implicated in the Expect Payment actions that resulted in the automatic debits from our accounts Expect Payment continues to blame FDGL for the months of slowness in satisfying our complaint, but I know for a fact that had Expect Payment acted in good faith, the matter would have been resolved in less than two weeks (as was proven by FDGL once they became aware of the facts themselves) At the time we contacted FDGL ourselves and complained, there was no record of any contact by Expect Payment Solutions asking FDGL to cancel the contract and refund our money, revealing that Expect Payment Solutions was merely stalling for time (months), since the monies Expect Payment received from FDGL (over $10,000) as a result of writing the equipment lease contract would have to be refunded to FDGL The resolution was performed by FDGL unilaterally only after we contacted FDGL and registered a fraud complaintSincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: We never received any equipmentWhen [redacted] withdrew the first payment out of our account, we complained to our rep that they had withdrawn money without delivering equipment or servicesThe fallout from that day led to the cancellation of our contract with promises from Darrell, the owner of Expect Payment Solutions, that our money would be returnedWe saw two more withdrawals from our account of $each (plus the prorated initial payment of $300+ and two monthly payments from authorize.net, a service we have never utilized) before we called [redacted] to find out if Expect Payment had initiated a buyback of the lease as Darrell had informed our rep three months in a row that he had doneThree months in a row, his words were always, "Oh yes, I initiated the buyback three weeks agoit is [redacted] that is slow about responding" [redacted] confirmed to us that no communication had been made by Expect Payment Solutions initiating a buyback in the prior 3-monthsDarrell once again promised last Thursday or Friday that he would deposit all missing funds into our account and copy us on the communication to [redacted] regarding the cancellation of the leaseWe have received neither as of Wednesday the following weekDarrell is once again misrepresenting himselfSincerely, [redacted]

Mrs [redacted] , You were put into a lease, please keep in mind this was before the ownership change with Expect Payment Solutions In an effort to keep our reputation in tact, we elected to fix this issues even though we did not technically have to do so We completely disposed of the lease even though we were only supposed to knock a portion of it off In doing so we also refunded the you the added fees you were charged for the entire time the lease was enforced By doing this, we did indeed put you into a situation where you were saving money yet you still elected to switch, for this reason and the time and effort that went into straightening up you account, these are fees that are owed to us and I will not back down on these, I will do what I need to do what is owed to used based on your breach of contract

Hello my name is Mike S [redacted] and I am the Director Of Operations with Expect Payment Solutions In Reviewing the information submitted to the Revdex.com and going through our records I have found that we did in fact sign [redacted] on 2/21/There was in fact an error upon programming the initial equipment by the deployment departmentThat error was corrected and that equipment was replaced in a timely manorOnce the newly programmed equipment reached the client on 3/15/several attempts were made to get the equipment installed, with no response or return call (please see attachment #from deployment department outlining contact attempts)Since Expect Payment Solutions was unable to get client up and running a credit was issued to the accounts on 3/29/for Feb Billing Cycle, with the hope they would be installed and processing before the next billing cycleAgain with repeated attempts we were unsuccessful in getting the system installed with the cooperation of the clientLast install attempt was on 5/17/again no response from the client On 5/25/Expect Payment Solutions received E-mail correspondence and attachments from a [redacted] outlining some issues and requests for refunds(please see attachment #2) I received that information and the file that following week when I returned from a family vacationI promptly replied to [redacted] on 6/6/(please see attachment #3)I called the next day to discuss the information received and a resolution however [redacted] was not available so I left a message for a call backI followed that call up with another E-mail on 6/10/(attachment 4) outlining a resolution where we would be giving the client everything they asked for with the exception of rescinding the original contractI received again no response from the clientI followed that E-mail up with another phone call in which again I left another message for [redacted] and received again no response Attachment #(Please redact from public view) is the actual agreement entered into by [redacted] that outlines all cost associated with both the trust and the general account While I do understand that the client feels we are unable to do what was proposed, we feel that without being given the opportunity to actually do so there are no grounds for this claimWe are very familiar with our program and how it is able to save our clients monies as guaranteed over who they were processing with previously when given the opportunity [redacted] 's claim that we have been unresponsive and unwilling to communicate as you can see is inaccurate, not only have they had my contact information for here at the office they have also had my cell phone number as it is in my e-mail but Expect Payment Solutions has made several attempts to satisfy the clients expectation and move forward and build a solid relationshipExpect Payment Solutions would be happy to refund non processing charges to date once we are installed and they are processing with us as agreed upon

Complaint: [redacted] I am rejecting this response because: In the original quote from EPS for merchant card services given to us a $equipment package fee was includedWith this fee included it was estimated that we would be saving $60/mo over our previous provider based on an average volume of $10,In Oct we had sales of $10,with processing fees totaling $In Oct with $10,in sales our previous provider charged us $In Sept we had sales of $10,with fees of $This showed improvement but still higher than our previous provider and certainly no savings MrG [redacted] states that "savings would be confirmed once the lease was bought back" and that he "submitted for a buyback of the program fee (is this the lease?)of $95" (the lease was $75)On Aug MrG [redacted] wrote in an email: "When I have a more solid answer from FDGL I will let you know." Had MrG [redacted] bought back the lease the savings Mr G [redacted] promised would have materializedAs of Dec the lease was still in placeI can only assume MrG [redacted] never intended to pay off the lease as it could have been done at any point within the time between when I sent my first email about my concerns in April and Dec The major changes that FDGL was going through would not have prevented them from accepting a Sincerely, [redacted] ***

First off, just to clarify, it is G***, not G***, a simple mistake similar to the one I made in my initial response stating $versus $75, my apologies on that According to the printout we have from FDGL, it shows that the lease is no longer active, with that being the case, there is nothing for us to do further except show where the savings would have been had he stuck with us I would attach the proof, however, there is some personal information that I am sure Mr [redacted] would not want as public knowledge, therefore I will not post it It can be equally frustrating for us to get certain aspects handled and in this case it is taking a bit longer than we anticipated, however, I cannot remove something that is not there and is showing based on the reporting tools provided to us by FDGL, as disposed

Complaint: [redacted] I am rejecting this response because:I have tryed for months to contact this business to dispute charges and fees I had tryed contacting them to close the acc and give notice to them and there number had a busy signal for months! I then had the first data company try getting them and they tryed for months and many hrs on hold from both my company and first datasThey have all of this documented on there system savedI only received a couple of emails saying I owe money but I had tryed several attempts to speak with them and they never called to ask me reguarding the fees in questionI have there bills on letterheads from them with a phone number and they are not real numbers first ones were just busy signals always no voice mail or anything now It is some youve been selected for a free walmart card or something on the new number on the bills from themI need to know what proof I can send and who to send it to at Revdex.com and I will do this I am very frustrated over the fraud this company is doing Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: They did not provide excellent customer serviceHow can they say they aren't responsible when they are the ones we signed the contract withThey need to be forthcoming with the fact that they have no control over who their clients are and they absolutely were notThey need to be held responsible periodPassing the blame on to someone we did not sign a contract with is unacceptable.Sincerely, [redacted] ***

We have every intention of following through with what was promised from our end in terms of handling the lease To clarify, we were told initially by the sales rep that the merchant was willing to deal with the work-around we had set up in order to make sure the compatibility was there, otherwise, we would not have pursued the deal With that being said, we are looking further into this for a resolution as we thought that this was already taken care of

We will pass your request on to the company we use to get our lists. These are not lists we compile ourselves, we purchase them from a third party. I do apologize and I will make sure to pass this on to the company we do get the numbers from.

The payment will be forthcoming. Unfortunate financial restraints laid down upon us by powers above us put us in a situation where I was unable to compensate those rightly owed money based on contractual agreements. I have never waivered on the fact that the money is owed and upon execution of an agreement that will allow me to pay the money owed, I will do so

As explained to ***, due to some financial hardships created by this situation as well as a few others, we are not in a position to handle this right now but intend to make this scenario as well as all of the others right by paying what is owed to the merchants involved. I anticipate these
issues to be resolved by the end of February

Mrs***,
Regardless of who bought out who, the statement we have is listed as Vantiv, that is what our quote was based on and after we made the changes promised and refunded you money, we were saving you money. As stated previously we picked a random month (January 2015) and did a side-by-side comparison. Based on your previous rates, we saved you approximately $for that month.
Our stance has not changed nor will it change and this will be my last explanation, moving forward, we will pursue legal avenues to collect what is rightfully owed to us based on your actions
Regards,
Derek G***, EPS

This particular account was set up and moved forward due to the fact that we do indeed work with Linkpoint, however, it is under a different name. We use First Data Merchant Services as our processor, as do a good chunk of ISO's in the world. At the time this account was signed, FDMS had
purchased Linkpoint and in fact, changed the entire to concept to a program called GGE4, a program we set them up with. Rather than follow the directions provided in order to get fully set up in order to realize the savings, it was stated to us that we are not compatible and that is not the case, we are 100% compatible, but we have to be given a chance.
A simple download of the program and a few mouse clicks would have started them saving money. We provided everything we said we would provide in order to put them in a better financial position for their processing. I cannot prove my point or the validity behind a signed agreement if the other party is not willing to attempt to live up to their end

We welcome feedback from our clients, whether positive or negative, it is the best way for our entity to continue servicing our many clientsIt is however important that the facts are accurate. With that being said, the facts are as follows; the account was not closed by Expect
Payment Solutions directly, it was closed by First Data (the largest Processor in the world) for reasons relating to risk on May 21stWhen this occurred Expect Payment Solutions did everything in our power for Premier Contractors and we were able to get the account reopened on 5/Unfortunately, our efforts and success in this case were short lived as the account was again closed by the First Data Risk Department on 7/8/with a note stating to not reopen this account under any circumstancesWe are unsure as to the direct reason for the closure and First Data’s refusal to reopen as the risk and fraud department will not disclose that information to us for security reasons. We were able to provide the client with the individual contact information of the person you need to contact in regards to this. We take security and fraud protection very seriously, I'm sure you would agree that protecting client information is of the utmost importance and if our affiliates close an account for risk, there is a good reason behind it
Any complaint or problem at this point would need to be worked out with First Data DirectlyExpect Payment Solutions provided the client with contact information for the FD Risk department and the exact person whom noted NOT to reopen the account for any reason
This is not something that Expect Payment Solutions did or has any control over, this is a First Data Risk Department IssueExpect Payment Solutions provided Exceptional service to this client while we were able to

While there are many points that are true, the key components are not necessarily backed by the same facts that we as a company can provide in terms of savings and the money owed based on the slower processing months. The sales rep (Kristin) did indeed move on to greener pastures after signing
this account. While I would love to keep all my reps, I welcome and encourage them to better themselves and their financial positions when options arise, we miss her dearly
Over the last few weeks, we have been trying to decipher the specifics on how the agreement was worded in terms of what is owed on an annual basis to the merchant for the slower months as we have had no contact with Kristin to determine not just what she meant by her writings but also the general idea that prompted it. At the time of this response, a check has been issued for the slower months in the amount of $1,to the merchant.
As is the case with all of our merchants, the program we offer and the specifics are dealt with at the time of signing to make sure issues such as this do not arise. Along with the presentation and questionnaire, there are multiple signatures and initials that go along with our agreement and they are done to avoid issues down the road. We do not hide or try to skirt the fact that we do lease equipment as part of our program and our longevity and reputation proves this.
As a courtesy, we did a very simple and basic side-by-side comparison for the month of March putting our rates against the previous rates provided to the merchant by *** *** direct. To make sure we were accurate, we picked a month that was similar in volume to the month we quoted, $126,to $126,178... Very similar. Based on the rates we provided, we saved them approximately $for the month, I find that to be far more than a few dollars as stated by the merchant. If not, we would have gladly lived up to our savings guarantee, however, we did indeed save them money, and a significant amount at that
The bottom line for us is that we are not looking for a short-term quick dollar. October will be years in business for us and we are looking to forge long-term relationships with happy merchants. I do apologize for the tardiness on the check, we were only trying to take care of our due diligence. As far as the savings, the numbers do not lie and we will happily sit down and explain this if necessary and do whatever we need to do in order to make this relationship work as we do truly value all of our merchants regardless of size, volume, or time in business

Please verify the address you wish the information to be sent to and I will get it out

To date, the check has been sent off and the old lease has been taken care of. There was some delay for reasons I cannot discuss, however, we will be reimbursing them for the portion that was double-billed during this time frame