FIRST AMERICAN PAYMENT SYSTEMS

Complaint: I am rejecting this response because: I will continue rejecting this until I get the letter from my attorney releasing me of liability.Thank you for coming to your conclusion as this is the correct oneI have encountered endless hours of sleep, stress, pain, suffering, and attorney fees Regards, [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 Mr [redacted] executed an Agreement with First American Payments Systems (First American) for credit card processing services on February 7th, 2012, 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 writing no less than thirty (30), but no more than ninety (90), days prior to the end of the applicable term; termination outside these guidelines is subject to an early termination fee of no less than $(See, ¶of the Terms & Conditions) Per the signed Agreement, Mr [redacted] ’s account became active on February 8th, Thereafter, the account was used to process transactions totaling over $16, We show that on February 16th, 2016, our attempt to debit Mr [redacted] for end of month fees was rejected, so the account was closed and placed into collections for the contractual fees outlined below Early Termination Fee: $ Return Draft Fee: $ Collection Fee: $ Past Due Processing Fees: $ Total Owed: $ At this time, we will stand by the AgreementThe above balance shall be tendered before the account can be considered closed in good standingMr [redacted] must contact [redacted] at ###-###-#### immediately to make payment arrangements 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,

Dear Mr [redacted] : We are in receipt of Mr [redacted] ‘s complaint Please be advised that we have been in direct contact with the merchant and consider the matter closed Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, [redacted] Merchant Relations

Complaint: [redacted] I am rejecting this response because: I have not been released from liability as I was told I would Regards, [redacted]

Although we do not show a closing request was received in line with the contractual Agreement, in an effort to resolve this matter, we will agree to refund the $charged to Ms ***’s account These funds will be credited to the bank account on file for the merchant within the following to business days Thank you for your attention to this matterShould you have any questions or need any additional information, feel free to contact the undersigned directly

Dear Mr [redacted] : We are in receipt of Mr [redacted] ’s additional correspondence In response 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 in September of Mr [redacted] entered into the Agreement for credit card processing services with First American Payment Systems (“First American”)By signing the Agreement Mr [redacted] acknowledged to have received, read and agreed to be bound by the Agreement and the Terms & Conditions (See, page of the Agreement) The initial term of the Agreement commenced with Bank at acceptance for a term years Thereafter, the Agreement will automatically renew for additional year periods, and shall continue until terminated by Merchant by giving and Bank receiving at least days but no more than days written notice of non-renewal with termination effective at the end of the applicable term If the Agreement is terminated by Merchant without proper notice, Bank will be entitled to recover and Merchant will pay on demand any and all losses in incurred by Bank in connection with termination (See ¶of the Terms &Conditions) Our records indicate that in March of we received a letter from Mr [redacted] requesting to close his account We tried to contacting Mr [redacted] to advise him that the letter had been received too soon, and he would need to resend the letter no more than but no less than days before the end of the applicable termIn February of we provided Mr [redacted] with closing instructions and advised him of the timeframe in which to submit his closing letter however, we did not receive a letter requesting the account be closed After an attempt to debit contractual fees for the month of June was stopped the account was placed automatically in collections Our records show that on July 21, Mr [redacted] contacted our Collections Department and reached a settlement on his outstanding balance, and at this time his account has been closed in good standing, with no refunds being due 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, [redacted] Merchant Relations

Dear Ms [redacted] , Attached to this response is the letter sent to the merchant's attorney regarding this complaintPlease accept this letter as our response regarding this matter Thank you,Merchant Relations

I own a deli restaurant [redacted] *** and I called during the month of April a credit card processing company APPSTAR they told me that I will have the equipment send and service rening in 48h but they wanted me to sign DOCU SIGN so I did and provided my bank account number and routing number they wanted because they wanted to be able to deposit the credit cards daily proceed to my bank account The problem : I never received the equipment neither APPSTAR never initiated the service I called many times but the sales man I talk with him in the begining never was coming on the phone I receive a call in June from First American Payment Systemns that they are now the colloection agency to get $ I refused to pay because I NEVER received equipment neither services from APPSTAR but First American mention above said that it was NOT their problem .....they are mandated to collect .....they do NOT want to get involved but just get paid ...an

Dear Ms [redacted] , We have reached out to Mr [redacted] directly to discuss this matterWe have received a signed closing letter from Mr [redacted] as discussed per our phone conversation this afternoon Therefore, we will close the lease # [redacted] without penaltyThis will stop any more deductions from coming out of Mr [redacted] accountWe 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, [redacted] Merchant Relations Specialist

We are in receipt of Mr***‘s complaint We have attached the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review Mr [redacted] entered into the Agreement for credit card processing services with First American Payment Systems (“First American”) on June 12, By signing the Agreement Mr [redacted] acknowledged the one year auto-renewal clause, and agreed to provide written notice of termination no less than days prior to the end of the applicable term to avoid an Early Termination Fee(See ¶of the Terms & Conditions) Our records indicate that Mr [redacted] contacted our office on December 16, requesting to close his accountAt that time he was advised to submit a signed closing letter no earlier than March 14, and no later than May 14, to avoid the Early Termination Fee, and to prevent automatic-renewal As gesture of good faith and in order to resolve this matter amicably First American will close Mr***’s account, and waive the Early Termination Fee upon receipt of a signed closing letter Please fax the letter to First American at [redacted] 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

We have receiv [redacted] and review [redacted] Mr***’s additional correspondenceOur records show that Mr [redacted] has us [redacted] and receiv [redacted] benefit of the leas [redacted] equipment to process over $700,in transactionsFurther, paragraph of the Terms & Conditions clearly states Mr***’s options for replacing defective equipment; however, we do not show Mr [redacted] contact [redacted] us regarding replacement of the leas [redacted] equipmentAt this time we will continue to stand by our previous response and Mr [redacted] will remain bound by the sign [redacted] LeaseMr [redacted] must make payment arrangements for the balanc [redacted] ow [redacted] by contacting Ms [redacted] *allis at 817/-317- We appreciate your attention to this matter Should you have any questions or ne [redacted] any additional information, please do not hesitate to contact the undersign [redacted] directly Merchant Relations

Dear Ms [redacted] ,We are in receipt of Mr [redacted] 's complaintWe apologize for the late responseIt is our policy to respond to all Revdex.com complaints on a timely basis, and we did not intend to overlook the previous notification for the complaintWe have received an Attorney General complaint from this merchant, and already resolved the matter through themWe closed this merchant's account without penalty in an effort to resolve the complaintIf you have any further questions or concerns do not hesitate to contact us directlySincerely,Merchant Relations

First American Payment Systems is the parent company of Payscape Advisors and Merimac Capital This is a cr**it card processing services that I have us [redacted] for the past years of a year contract It was sold by a salesperson from Payscape Advisors utilizing their processing services and Merimac Capital equipment lease In the past year we have had several problems with our customers being charg [redacted] multiple times on their charge card services Each time we call [redacted] for customer service support they inform [redacted] us that it was a problem with the equipment After several attempts with their customer service group offering no resolution to the problem we decid [redacted] that we could no longer accept this level of service and cancell [redacted] our contracts with Payscape Advisors and Merimac Capital Payscape Advisors draft [redacted] our bank account with cancellation fees well in excess of the remaining contract balance Numerous calls were made to Payscape Advisors and all were referr [redacted] to First American Payme

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11096752, and find that this resolution is satisfactory to me Even though they kept on taking out of my back account after I cancelled in October, I am happy this has ended Please tell them to erase my bank account from their records so this will never happen again Thank you for your help

Complaint: [redacted] I am rejecting this response because: Part of my complaint involves First American Yes I do complain about how Blue Dog has some unethical practices but the complaint is also directed about First American Merchant Services that does the collections I called on Nov to verify that my money orders was received and that my accounts were closed and I was told that yes the accounts were closed and that I am in good standings I asked for a email confirmation but none was sent to me On Nov I received a letter from you First American stating that I owed money I managed to get a hold of you again on Nov were I was told that my accounts were closed and that I was in good standings I asked for a email confirmation but was told you do not have any letters or format that you can send out and that the letters were due to error, they get sent out automatically If need be I can provide proof to the Revdex.com of the letters The complaint was about the payments and closing of my accounts if what I was told on Nov 27, was true that I am in good standings and that my accounts are closed, then in some ways my complaint against First American was addressed Regards, [redacted]

Dear Ms [redacted] ,We are in receipt of Mr [redacted] complaint and have investigated the matter thoroughlyIn our investigation, we found that the merchant had in fact made a settlement agreement with our collections department for $after two ACH's had gone out from his accountBecause the merchant was unaware of the ACH's before he sent the settlement check of $in his effort to settle the account, we have refunded both ACH's back to Mr [redacted] accounts in the amount of $We ask the merchant to please allow 3-business days for the funds to show up in his accountWe regret the confusion in this matter, and hope that this good faith gesture will restore Mr [redacted] faith in the companyWe appreciate his business as we appreciate all of our merchants, and will continue to strive for excellent customer service now and in the futureThank you for your time and consideration,Merchant Relations [redacted] ***

Thank you for providing a copy of Mr***’s rebuttal Please be advised that we have contacted Mr [redacted] directly, and advised him to submit by fax a signed closing letter to First American by the end of the business day Upon receipt of the letter his account will be closed in good standing with no monies due 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 Merchant Relations

We are in receipt of Mr [redacted] ‘s complaint By way of background, First American Payment Systems (“First American”) is a credit card processing company that processes transactions for merchants set up by our various Independent Sales Offices, including AppStar Financial (“AppStar”) We have reached out to Appstar for input on this matterFor your reference, we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review On June 26, Mr [redacted] entered into the Agreement with AppStar for credit card processing services By signing the Acknowledgments page of the Agreement, Mr [redacted] acknowledged: (1) he received, read and agreed to be bound by the Agreement; (2) no verbal agreements or representations had been made; and (3) he relied solely on the Agreement and the Terms & Conditions The Early Termination Fee of four hundred ninety-five dollars ($495) is clearly disclosed and set apart as a separate section of the Acknowledgements page in the Agreement, and is also delineated in the Terms & Conditions (See, paragraph 23, page 4)The Terms & Conditions also clearly disclose that the Agreement will continue in full force and effect for a term of (3) years from acceptance by Bank (See, paragraph 23)Mr [redacted] ’s account became active on July 02, and was closed on September 08, due to ACH rejectsAs such, the outstanding balance was placed for collection ($early termination fee, $August end of month fee, $bank return fee, and $collections cost totaling $590.56)To date, a payment of $towards this balance has been received from the MerchantAlthough the terms of the Agreement and the Early Termination Fee are clearly disclosed, and Mr [redacted] ’s business closed due to no action on AppStar or First American’s part, as a gesture of good faith and in an effort to resolve this matter amicably, we will agree to waive the remaining balance of $and consider the matter closed in good standingWe 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, [redacted] Merchant Relations

First American has received the equipment from Ms [redacted] in good conditionAlso, Ms [redacted] 's merchant account and lease account have been closed with no penaltyAt this time, we feel that we have satisfied Ms [redacted] 's demands and hope that she finds these actions satisfactoryWe thank Ms [redacted] for being a merchant with us, and hope we have shown that we work hard to settle problems and take care of our merchantsIf you have any questions, please contact me directly [redacted] *** Merchant Relations Specialist

Dear Ms [redacted] ,We are in receipt of Ms [redacted] complaintIt states clearly in paragraph of the Merchant Processing Terms & Conditions, which Ms [redacted] received when she digitally signed the Merchant Application and Agreement on April 29, 2014, that in order to stop an account from the auto-renewal process, the merchant must submit a signed notice of non-renewal no less than days but no more than days before the anniversary date, May 1st, Ms [redacted] needed to have submitted her closing letter by April 1st, to properly close her account at the anniversary date with no penaltyIn this case however, since Ms [redacted] is still before her Anniversary date and the account has not auto-renewed, we will as a gesture of good faith, schedule her account for anniversary closing on May 1, with the receipt of a signed closing letter by end of business tomorrow, April 25, Ms [redacted] should send the closing letter to [redacted] by fax or [redacted] by emailIf you have any questions or concerns, do not hesitate to contact us directlySincerely, Merchant RelationsTell us why here