FIRST AMERICAN PAYMENT SYSTEMS

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 This my complaint #: [redacted] I have resolved the problem and everything have been settledSo can you please cancel my complaint on the website Revdex.comThank you so much Regards, [redacted]

We are in receipt of Ms [redacted] ’s most recent correspondence regarding her account with First American Payment Systems (First American)First American has provided the electronically signed Agreement and the acknowledged Terms & Conditions between Ms [redacted] and First American.Our records and responses indicate that First American has refunded an initial three months of fees in the amount of $172.50, and to remain amicable with our merchant we have refunded an additional three months totaling $Finally First American has waived our early termination fee of $to allow Ms [redacted] to close her account at no additional expense to her.In reference to Ms [redacted] ’s request we will stand by our previous decision

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below.In my previous communication I uploaded proof of delivery of the equipment and now I have uploaded a copy of the termination letter to Merimac Capital that Merimac Capital aka First American Payment Systems aka Apex aka Secur-chex received today, October 14, when it received the equipment If Merimac is not insisting on me paying it $to terminate my business with that company then fine, I accept their offer But if Merimac Capital is still insisting that I pay $then I must reject it Its not clear from this correspondence I am responding to exactly what is being offered Please advise Regards, [redacted]

Dear Ms [redacted] : 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 The contract was electronically executed on June 5, By typing their name into the online application, the merchant agreed to have received, read, and be bound by the Agreement and the Terms & ConditionsOur records indicate the merchant’s bank account rejected the monthly fees withdrawal on September 8, 2017, and the account was automatically closed and placed for collection of the monthly fees and the contractual early termination fee (See, Acknowledgements pgand paragraph of the Terms & Conditions.) As a gesture of good faith, the collections balance has been waived and the merchant’s account is closed in good standing as of September 12, Mr [redacted] owes nothing further to First American Payment SystemsWe 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

We are in receipt of Ms [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 Ms [redacted] executed an agreement with First American Payment Systems (“First American”) for credit card processing services on January 6,2016, and signed documentation agreeing to have received, read and be bound by the Agreement and the Terms & Conditions ( See, pages and of the Agreement) Page of the Agreement and paragraphs and of the Terms and Conditions clearly disclose all fees charged to the merchant Our records indicate that Ms [redacted] ’s account was charged the PCI fee of for the month of April, and contractual fees in the amount of $for the month of May in accordance with her signed Agreement On May 11, Ms [redacted] ’s account was closed with no fee and in good standing At this time as a gesture of good faith and in order to resolve this matter amicably First American will refund Ms [redacted] the monthly fees for May in the amount of $Please allow 3-business days for her account to be credited 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 [redacted] [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below.Merrick aka First American Payment Systems received today, 10/14/(see attachment for confirmation of delivery by UPS with tracking number) the Talento terminal that didn't work for over a year, the Charity terminal that worked but would not accept checks because they didn't equip it with the proper "chip" to work with the check reader, the check reader that didn't work, and the new check reader they sent me that worked with the Talento but would not work with the Charity 100, the power plugs for the aforementioned antiquated, substandard, primitive out-dated equipment that I repeatedly had problems with and complained about The lease terminated on 9/10/ I no longer have the equipment, Merrick has all the equipment it sent me over the last years and therefore their demand for $fails for lack of consideration and results in an unfair windfall to Merrick aka First American Payment Systems aka Apex aka Secur-chex or whatever name they are calling themselves these days when I have no capacity to use their equipment since I no longer have it, they have it I should not have to pay these people another penny My understanding of the contract was that it was lease to own but I sent the equipment to them because I don't want the clunky mess at my office and now they have it to sell to another victim This company has had at least complaints with Revdex.com alone, and the internet is full of nightmare stories from very unsatisfied customers, this company should not be allowed to rob me any further Regards, [redacted]

First American Payment Systems / Payscape acknowl**g [redacted] that the multiple failures in our cr**it card processing were equipment relat [redacted] and they had no resolution to the ongoing problem I made multiple attempts to contact [redacted] , Leasing Administrator for Merimac Capital to discuss the issue Every call was met with a "he is not available" response He fail [redacted] to return any voice mails or respond to faxes sent On Jan5thI fax [redacted] notice of cancellation to Mr [redacted] along with a request to provide information for equipment return (see attach**) Again no response was receiv**First American Payment Systems / Payscape sent notice that my account met the eligibility requirements and early termination fee was NOT assess [redacted] (see attach**) Merimac Capital fail [redacted] to meet their contractual obligations by properly processing cr**it card transaction, but is relying on their non/cancellable contract to continue to collect They fail [redacted] to provide equipment return instructions and just bill for the equipment I do not agree with their response to the complaint

Dear Ms [redacted] : We are in receipt of Ms [redacted] complaintMs [redacted] account was opened on May 31, Ms [redacted] account closed on September 6, after an attempt to draft the monthly fees was rejected by the bankThe account was then automatically placed for collections to collect the balance dueAs a gesture of good faith, [redacted] Swaived the contractual early termination fee for Ms [redacted] , and collected only the monthly fees that were due for August via the merchant’s credit cardThe collections balance was thusly closed and no further balance was dueOn October 6, 2017, [redacted] Ssent a letter to the merchant informing her to disregard any previous letters and that the account had a $balance remainingAt this time, the account has been closed in good standing and no further payments are required from Ms [redacted] No negative files have been placed on the merchant’s creditWe 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, [redacted]

Our cr**it card processing service work [redacted] great for years before we began experiencing double charges on our customer’s purchases Each time we contact [redacted] Payscape (contract administrator) we were referr [redacted] to First American Payment System for customer service as well as technical support Each time they inform [redacted] us that the double charge should not possible but acknowl**g [redacted] that it had occurr** Their belief was that it was equipment failures but had no solution I sent a letter detailing my issues to the Payscape CEO (see attach**) on October 22, 2015, but never receiv [redacted] a response After the 5th occurrence, I spent several hours tal [redacted] with ***, [redacted] and [redacted] (Director of Support Payscape) I attempt [redacted] to have the issue resolv**, but they could not provide an answer They referr [redacted] me to James in customer retention First American Payment System who fil [redacted] an issue ref# He cancell [redacted] the processing contract and referr [redacted] me to [redacted] (Leasing Administrator) to address the equipment contract (Merimac Capital) She cancell [redacted] that contract and sent verification to me as well as her supervisor [redacted] She also connect [redacted] me to her supervisor’s voice mail to leave a message about waiving the cancellation fees I also sent a fax (confirmation provid**) to Mr [redacted] to confirm the voice mail There was no response to that or any subsequent voice mails The only response that I have receiv [redacted] has been the collection notice from [redacted] *allis It is very frustrating that Ms [redacted] would suggest that they have not been contact** This was the same response that I receiv [redacted] from Payscape Director of Support (see attach**) I am sure that Ms [redacted] is very aware that all conversation are record [redacted] by First American They inform [redacted] me that they pull [redacted] these recording to review my calls before deciding to refund the Payscape fees Had equipment replacement been the resolution, I would think that their technical support group would have suggest [redacted] that occur They also bill [redacted] for the equipment (see attach**) even though they fail [redacted] to provide return instruction (see fax confirmation to [redacted] ) If they want the equipment, they should provide return instructions.As one can see, we have tri [redacted] to reach a resolution with First American Payment System / Payscape Advisors / Merimac Capital for several months Changing cr**it card processing companies is not an easy or smooth process and we would have much preferr [redacted] to continue our business with Payscape Advisors, but this was not possible with these errors occurring with our customer purchases They have repeat**ly refus [redacted] to provide an escalation process to resolve problemI again request that Merimac Capital cancel all billing associat [redacted] with the equipment lease I also request that they STOP all collection attempts from all First American Payment Systems business groups and recall any negative reporting against my business or personal cr**it with any cr**it bureau Issue a letter from First American Payment Systems releasing my company from any and all contracts and fees associat [redacted] with this business relationship

Dear Ms [redacted] : 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 On October 31, 2016, Mr [redacted] entered into an online credit card processing Agreement with First American Payment Systems (“First American”)By digitally signing the Agreement Mr [redacted] 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] informed the System Implementation team on November 1, that he did not accept the contract until he spoke with his sales rep, and had not agreed to process with First American yetThe Merchant’s account still was opened, with the information provided in the original digital application, and was charged accordingly when the end of the month fees were drafted from Mr [redacted] accountFirst American spoke with Mr [redacted] the next day about the fees, and agreed to close the account as it was not supposed to be opened in the first placeAlso, First American attempted to refund the fees to Mr [redacted] that was charged for the month end of OctoberMr [redacted] put a stop payment on the original fees that were charged on November This resulted in Mr [redacted] getting the $back from his bank, and the amount back from First American as wellWhen First American automatically drafted another $from Mr [redacted] account due to the fact the account was still open in November 2016, Mr [redacted] put another stop payment on the draftAgain First American attempted to refund Mr [redacted] when it became aware of the charges, and again Mr [redacted] collected funds back from his bank and from First AmericanTo date, Mr [redacted] owes First American $from the refundsFirst American has not attempted to scam or otherwise negatively affect Mr [redacted] or any of its merchantsThis situation has been a result of multiple incidences that led to Mr [redacted] dissatisfactionWe have attempted to correct the matter at the same time that Mr [redacted] stopped payment and the result was a double correction and led to Mr [redacted] small debt to First American that he mentioned in his original complaintIf Mr [redacted] would please send a check in the amount of $to the ACH Department Reference No5623322, First American Payment Systems, [redacted] ***, we can close this matter amicablyAs a good faith gesture at this time, the collections amount and efforts have been removedMs [redacted] corrected the issue December 12, when she was informed the account never should have been opened so Mr [redacted] did not owe First American for any early termination fees or collections fees that were charged as a result of the ACH rejects from Mr [redacted] accountMr [redacted] account has been removed from collections and we ask that he disregard the collections letter he received as it was unnecessaryIn summary, First American has closed Mr [redacted] account without penalty, and will not be pursuing any further collection efforts against MrSpatigWe regret that Mr [redacted] has had the troubles he’s had so far with the account processWe hope going forward, that Mr [redacted] will not be prejudiced against First AmericanWe 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, [redacted] ***, Merchant Relations

This company entangles you in contracts that you cannot possibly entangle yourself fromFor example, if after the term on the lease, you do not notify within days BEFORE your contract automatically extends one more year with a $termination fee If you have two accounts, and they are not issued on the same day, you cannot terminate you account The lady in collections is rude, calls you stupid and worseShe will not work with you in any manner except on the phone, she says that she is allowed to records the conversations, however we are not allowed to recordShe keeps threatening to ruin my credit and will not work to resolve this problem

What a scam, they sell you a machine that has a 1year manufacturer warranty, but then claim it only has a day warranty We purchased a mobile processing unit an ingenico iWLin August of Ingenico clearly states the unit has a year warranty, however, First American will not honor the warranty stating it only has a day warranty The chip reader stoped working months from sale The company has not been helpful in supplying any information on how to return the unit to the manufacturer I called in and asked to speak with a manager, and instead they forwarded me to my ISO or "payment facilitator" So not only will they not honor the manufacturer's warranty, they will not help getting the unit repaired under warranty at all And to boot, when you ask to speak to a manager they just transfer you around Buyer beware!!!

First American Payment Systems DO NOT DO any business with this company. When you are approached by a sales person they will do all they can to sell you, including offering you $500 if they can't beat your current rates, but never mention the words LEASE, CONTRACT, or EARLY TERMINATION FEES. Only the name of the 3rd Party "MCG" was mentioned, and not First American Payment Systems, They will lead you to believe that they are offering you a Credit card processing rate of $49 per month, 1% for credit card and 0% for debit. After having hundreds of dollars come out of your bank account and a lot of research, you realize, that amount was for equipment only, in my case equipment that I could not use. The salesperson will never mention anything about the high percentage credit card processing fees. When your finally made aware of everything they have already conned you into a horrible situation, and then tell you it is at least $495 to get out of the "contract" (that you were not made aw

Dear Mr [redacted] : We are in receipt of Ms [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 Blue Dog Business Services (“Blue Dog”) 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 February 12, Ms [redacted] entered into the Agreement with Blue Dog for credit card processing services By signing the Agreement Ms [redacted] acknowledged she received, read and agreed to be bound by the Agreement and the Terms and Conditions (See, pages and of the Agreement)Paragraph of the Terms & Conditions clearly states Bank may hold funds processed outside of the approved parameters disclosed in the Merchant Profile section of the Agreement until it is determined Bank’s risk has been mitigated Ms [redacted] ’s account became active on February 12, with an approved high ticket amount of $25,(See, pgof the Agreement)On July 13, the merchant processed a transaction in the amount of $88,310.96, above the approved high ticket amount on the account, which caused the account to be suspended and audited by our risk departmentAfter requesting and reviewing financial documents provided by Ms [redacted] , the audit was completed and the funds were released to the merchant on July 26, At this time we consider the matter resolvedHowever, if Ms [redacted] wishes to close her account she may do so by following the detailed guidelines provided in paragraph 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, [redacted] Merchant Relations

Complaint: [redacted] I am rejecting this response because:All dealings with any credit card charges that are processed manually at our office are processed by First-American.net It is also this company that I have called regarding the charge If the charge is Elliot Management then why is everything (internet and phone) referred to as First-American? If First American deals with Eliot Management then they should be the ones dealing with Eliot Management - my contract is directly with First-American and the fees I am charged are made and taken by First-American I most definitely do not accept this very obvious attempt to offload my complaint and not fairly represent their customer Regards, [redacted] ***

Our business merchant account with Chase Paymentech was closed in the summer of 2016 with our sales agent and they confirmed the account was closed. Apparently, Chase Paymentech was sold to First American Payment Systems in 9/2016. Unknown to our company, the new owner, First American Payment Systems continued to automatically debit our checking account each month but the charge was listed as "Bankcard Mthly Fees" - which we assumed was our bank charging fees, as described. End of June 2017, after we had closed our checking account we received collections notice from First American Payment Systems. It has come to our attention that this company has continued to charge us under a misleading description and now will not close the account or refund the amounts. In total, First American has debited our account $263.50 under a misleading description, as if they were purposefully trying to hide the charges. Now this company has us in collections for $197.00. We have contacted First American

Complaint: [redacted] I am rejecting this response because:Here is an email from the New business owner to [redacted] and *** today: The new owner is willing to sign and paySo, I need to be released from liability.I am also attaching documentation showing the new business owner registration with the state along with his banking details showing he has in fact received funds from this company to his personal banking account without me as an owner I have also filed a compliant with the consumer protection act with the attorney general in the state of Texas.NEW OWNER EMAIL Dated 1/12/[redacted] and ***I am just getting back in town from a furniture show and spoke to [redacted] regarding this chargeback issueI obviously am taking on full responsibility as I purchased [redacted] out way before these issues came upLars was given very clear instructions to change the account over time my name and we have lots of communication showing thatRegardless, I am trying to get the business back to a healthy state and get people paid offWe essentially ran out of operating capital and were not able to place an order with a large manufacturer, hence the reason for the people not being able to get their productsI have since brought on a little money to help us get back on track, we are restocked with lots of inventory and should make some pretty decent money over the next days.Can you please let me know how much is currently owed so I can set up a payment plan with your companyI fully plan on getting you paid backThanks in advance[redacted] Sent from my iPhone Regards, [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 Regards, [redacted] ***

Dear Ms [redacted] : We are in receipt of Ms [redacted] complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”), the Merchant Processing Terms & Conditions (“the Terms & Conditions”), the Non-Cancelable Commercial Lease Agreement (“Lease”), and the merchant’s closing letter for your review On June 18, 2015, Ms [redacted] digitally entered into a processing Agreement with First American Payment SystemsShe agreed to have received, read, and be bound by the Agreement and the Terms & Conditions (see page of the Agreement)Our records indicate (merchant) used and received benefit of the processing account to process over $105,in credit card transactionsAlso on June 18, Ms [redacted] signed the Lease for one of the two terminals that were used at the location of the businessThe terms of the Lease were $plus taxes and loss and destruction waiver for monthsAt this time, Ms [redacted] still owes of the payments to [redacted] , a division of First American Payment SystemsOur records indicate that Ms [redacted] was fully participatory in the inception of her account, as evidenced by the usage and processing done on the account, as well as her closing letter (attached) which shows her knowledge of the account and the merchant ID number, as well as having knowledge of closing proceduresAlso, Ms [redacted] called in to find out about closing procedures on 08/24/and did not mention fraud or any issues with her accountAlso, Ms [redacted] on 9/16/completed the PCI survey for her account and business in an effort to avoid PCI non-compliance fees typically assessedShe called in numerous times to customer service about various topics, and never once stated any issues with her account being fraudulent or that her signatures were invalidAs a gesture of good faith, we will decrease the amount Ms [redacted] owes to First American Payment Systems to only $1080, if Ms [redacted] will agree to pay the reduced balanceMs [redacted] should contact [redacted] at [redacted] to make payment arrangements for the balance owedWe 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

We started an E-commerce website with Altiras technologies as our on line store agent They were to supply an on line gateway for charging customers and the actual store interface for our website As well as mobile pay swipers we were sent an agreement of terms through our agent from Altiras and then we were contacted by their sub contracted Store management company GO-E merchant which was actually First American They sent additional contracts to sign that were different than our original agreement with Altiras We were assured by Altiras that the original terms were still in place and they had a "Special arrangement" with First American After using the companies services for days we came to realize that the fees for the service were just to high As per our original Altiras agreement, we were able to cancel our service with no cancellation fees We still have this agreement if needed when we canceled the service, First American wants to charge us $fee Altiras