Frontline Processing Corporation

To Whom It May Concern, Frontline Processing Corpis in receipt of Mr [redacted] complaint, and responds as follows: [redacted] sells a bed bug repellent product, primarily through a website at www[redacted] .comFrontline opened a merchant processing account for [redacted] in March Very shortly thereafter, Frontline and its sponsor bank observed that an exceedingly high percentage of [redacted] customers were initiating chargebacks were their credit card companiesIn some months as much as 25% of [redacted] sales were subject to refunds and chargebacksThe industry standard threshold at which merchants are subject to being identified for chargeback monitoring programs is closer to 1% [redacted] generated an unacceptably high level of refunds and chargebacks, a level which can often indicate significant potential problems with the merchant’s business model [redacted] was unable to get these chargebacks under control, so Frontline’s sponsor bank asked Frontline to close the accountFrontline of course compliedSince then, Frontline has learned that [redacted] “ [redacted] ” product has been the subject of numerous customer complaints involving not only the product itself but [redacted] billing and collection practices – specifically billing customers for subscriptions when the customer believed they were only ordering a free trialSee [redacted] own Revdex.com page at [redacted] These practices may be the reason for [redacted] excessive chargebacks Mr [redacted] correctly notes that Frontline held a reserve account to cover any liabilities of [redacted] After closing [redacted] merchant processing account, Frontline held the reserve account for one year, as it is entitled to do under its contractRelevant contractual language already provided to the Mr [redacted] in a letter dated 07/25/includes We may use the Reserve Account to cover any of your liabilities, whether they are incurred before or after the date of terminationBank or Frontline may enforce such security interest without notice or demandMerchant’s obligation to maintain such Reserve Account shall survive the termination of this Agreement by a period of three hundred sixty five (365) days (or longer depending on Merchant’s product and business practices) during which time Bank’s or Frontline’s security interest shall continue Frontline also charged [redacted] excessive chargeback fees, again as is provided in the parties’ contract: 19.9If your Chargeback percentage for any line of business exceeds the estimated industry Chargeback percentage, you shall, in addition to the Chargeback fees and any applicable Chargeback handling fees or fines, pay us an excessive Chargeback fee for all Chargebacks occurring in such month in such line(s) of business We understand that [redacted] is disappointed with Frontline’s resolution of this matterBut neither Frontline nor its sponsor bank could possibly continue processing for [redacted] given their inability to resolve customer complaints and continually have excessive chargebacks and refunds Sincerely, Frontline Processing Corp

Complaint: [redacted] I am rejecting this response because:This is a flat out lieIf this was truly the case then they would not repeatedly inform me that they closed out the accountI was told MULTIPLE times that they closed the account for me and I wouldn’t be charged anymoreIf they are not authorized to close the account from their end, then they should not be telling me they closed it from their end then charging me anywayGo ahead and hide behind policy, but the fact is a representative from their company told me in September and every single month since that they have closed the account and I wouldn’t be charged, which were nothing but LIESIf you have a policy then walk your customers through said policy, not tell me one then then expect me to do anotherPaint it however you want, but the fact is your company lied straight to my face on several occasions and told me they canceled from their end when that wasn’t the caseBy no rights should you be demanding this to go away, your policies are awful and misleadingIf you were honest I’m the first place this wouldn’t be happeningI told you last month that if you were to do this AGAIN then there would be recourse, and I was informed by one of your representatives that everything was closed and it wouldn’t happen againWhy are you telling me it’s closed When it’s not? Stop lying and maybe this won’t happen in the future Sincerely, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received, your complaint will be closed Administratively Resolved] 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 complaintFor your reference, details of the offer I reviewed appear below I have read frontlines response and it is all lies!! ,, I agreed to let frontline refund two months paymentsI was told by frontline in April that my account had been successfully closed and was NEVER told that they used [redacted] for the check processing, and that I would have to contact them to close the account I wasn't even aware that [redacted] was taking a monthly payment until just recentlyThe last contact I had with frontline was in April when I closed the account, I wasn't receiving a statements from frontline so had no idea I was being chargedI have never received a statement from Sage, therefore I don't have any evidence other than money being taken out of my account every month for a service that I signed up with frontline for Regards, [redacted]

As for ***'s response; I will have our accounting initiate a refund for the two months ($64.00) I misunderstood [redacted] as not accepting this offer However, our position still remains for the remaining balance This is a contractual obligation between ***/Rimrock Custom Tannery & SAGE/GETI We did close his merchant account with us; therefore he never received any further statements from us We had advised him to close his check service account with SAGE/GETI It is not our responsibility to close his check service account thru the contract set forth by SAGE/GETI Sincerely, [redacted]

I was made aware of an issue Wednesday 12/9/concerning Rimrock Custom Tannery; Merchant MID [redacted] They closed their merchant account with us in April At the time, as is customary of our closure process, we had advised said merchant that they needed to also close their check service with SAGE/GETI as per their contract they signed with SAGE/GETIYou will note from Sage/GETI's (copied below) per their contract that it is the merchants responsibility to cancelIn this case; Rimrock Custom Tannery never did effectively close this account with SAGE/GETI; therefore accruing charges all alongRimrock Custom Tannery has since contacted us requesting a refund for these chargesI called [redacted] and informed him that months have since passed; that it was his contractual obligation to have canceled his own account with SAG/GETII had offered to possible help with two months of these fees upon our senior managements approval; but since it well past days, we would not refund any more [redacted] wanted nothing to do with that; stating he would utilize his social media skills to let everyone knowWhy he allowed months to elapse before realizing he was still being charged...SAGE/GETI never did state that this was Frontline's obligation to close Rimrock Custom Tannery as was stated by said merchant per their recorded phone conversationI feel we have handled this professionally with the intent of refunding two months of chargesThis is a contractual obligation of the merchants to cancel their own contractI hope this helps in absolving our participation regarding this matter From: EFT - CustomerSupport [mailto: [redacted] ] Sent: Thursday, December 10, 11:AM To: ***, [redacted] ; EFT - CustomerSupport Cc: Mike Peterson; Allison Hadley Subject: RE: Rimrock Custom Tannery TERMINATIONThis Agreement shall continue indefinitely unless and until terminated by either partyMERCHANT must provide sixty (60) days written notice to SPS-EFT of termination and monthly minimum and subscription fees will continue in effect for this timeIf either party terminates this agreement a one-time fee of one hundred ninety nine dollars ($199.00) will be assessed and electronically debited from MERCHANTS accountSPS-EFT shall have the right to suspend or terminate this Agreement immediately and without notice to MERCHANT The agent did not tell the caller that it was the ISO’s fault for not cancelling The merchant stated that he had cancelled with the credit card company over a year and a half ago The agent stated that we were not notified of the intent to cancel Thanks! Customer Support EFT Customer Support Office: [redacted] | Fax: [redacted] The information contained in this email transmission may constitute confidential informationIf you are not the intended recipient, please take notice that reuse of the information is prohibited From: ***, [redacted] Sent: Thursday, December 10, 12:PM To: EFT - CustomerSupport Cc: [redacted] ; [redacted] Subject: Rimrock Custom Tannery Importance: High Merchant Support, Please advise where in this merchants contract or terms that is states it is the merchant responsibility to close their own merchant accountMerchant is claiming that one of our CSR’s told the merchant it was the ISOs fault for not terminating the account then and merchant filed a Revdex.com complaint on the ISO Thank you ! [redacted] Sales Support, Sales Operations, [redacted] EFT Sage Sales Support Queue: [redacted] | Office: [redacted] Twitter | YouTube | LinkedIn | Facebook | Community See you at [redacted] Summit Chicago #SageSummit The information contained in this email transmission may constitute confidential informationIf you are not the intended recipient, please take notice that reuse of the information is prohibited

Mr *** contacted Frontline Processing for a merchant processing account in December. Due to the sensitive financial nature of our business we do require certain documents and have procedures in place to mitigate loss and risk. There were many phone calls between Mr*** and
Frontline Processing with documents being sent. After a particular conversation with Mr *** it was decided he had opened the account under pretenses and in violation of Frontline Processing operating standards, where he admitted to holding customer credit card information on file to process at his convenience. After another lengthy phone call with Mr*** which we discussed our procedures for merchant processing and how long it would take for him to recieve his funds after processing, it was determined that we all would exit the relationship. We advised (as per our Merchant agreement) Mr *** to submit a closure request by visiting our website or by submitting the request in writing. This took Mr*** over day to comply, at which time he was charged $for his merchant account. Since then he has received a refund and the relationship with him terminated as we felt he was in breech of contract and his processing in violation of card brand standards. We would caution anyone that decides to do business with Mr***.Frontline Processing requests this Revdex.com complaint be removed as it was resolved between Frontline Processing and Mr*** with a refund (given 2/8/18) and final closure of his merchant account

Complaint: ***
I am rejecting this response because:
The information provided by the business is incorrectThe initial application with Frontline Processing was sent in in Late October and Early NovemberAll information was provided to Eugene accurately and there was no issues on his front. I believe calls were recordedIn early December once approved (it took tons of followup for me to get the approval through...) I asked: a) Why did the welcome letter have someone's name on it and a misspelled company nameb) I want written clarification as to how long it would take for my money to be processed. It took the company month of badgering to get a simple response to this question. (See attached)Because of these two instances of early communication issues (plus a concern that I raised with Frontline of my Clientwho referred me to themwas not being paid as agreedwhich they did to seemingly save my account)i made my first threat to close my account. FrontLine processing tried to rectify the previous situation by offering me a better rate (in which I considered)Attached is proof. However it was made clear to me that my account was not fully boarded as indicated to me previously (in the merchant process industry being boarded properly is very important to avoid miscommunications with merchants). At no point was it ever made clear that "it was decided he had opened the account under pretenses and in violation of Frontline Processing operating standards". I would encourage the business to provide proof this. I do not think the business should be able to remove this complaint until this can back this up. I very clearly and accurately provided Eugene very detailed information about my business's current situation and potential future changes. Because the account was not fully boarded I initiated the cancelation of my account. The account was closed because of misleading information from the business at every step of the wayI asked for closure on January and on January 15th Taunia gave me written confirmation (see attached) that it was cancelled. On February 3rd I discovered that they still charged me, despite my account never being used and per the business's own account was not fully boarded. Their response is an absolute lie. Due to the way that this business chose to inaccurately respond, I choose not to resolve this issueThis information needs to be made available for future business owners like me.
Sincerely,
*** ***

Re: Update on Claim ***We have contacted the merchant and refunded his reserve and adjusted his rates We are now reviewing to see if he is owed a refund Please let us know if you need any additional information.Thanks,*** ***Frontline Processing Corporation*** ***
*** *** ***
*** ** ***
Phone: ***
Direct: ***

Complaint: [redacted]
I am rejecting this response because:This is a flat out lie. If this was truly the case then they would not repeatedly inform me that they closed out the account. I was told MULTIPLE times that they closed the account for me and I wouldn’t be charged anymore. If they are not authorized to close the account from their end, then they should not be telling me they closed it from their end then charging me anyway. Go ahead and hide behind policy, but the fact is a representative from their company told me in September and every single month since that they have closed the account and I wouldn’t be charged, which were nothing but LIES. If you have a policy then walk your customers through said policy, not tell me one then then expect me to do another. Paint it however you want, but the fact is your company lied straight to my face on several occasions and told me they canceled from their end when that wasn’t the case. By no rights should you be demanding this to go away, your policies are awful and misleading. If you were honest I’m the first place this wouldn’t be happening. I told you last month that if you were to do this AGAIN then there would be recourse, and I was informed by one of your representatives that everything was closed and it wouldn’t happen again. Why are you telling me it’s closed When it’s not? Stop lying and maybe this won’t happen in the future. 
Sincerely,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]
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 complaint. For your reference, details of the offer I reviewed appear below.
I have read frontlines response and it is all lies!! ,, I agreed to let frontline refund two months payments. I was told by frontline in April 2014 that my account had been successfully closed and was NEVER told that they used [redacted] for the check processing, and that I would have to contact them to close the account.  I wasn't even aware that [redacted] was taking a monthly payment until just recently. The last contact I had with frontline was in April 2014 when I closed the account, I wasn't receiving a statements from frontline so had no idea I was being charged. I have never received a statement from Sage, therefore I don't have any evidence other than money being taken out of my account every month for a service that I signed up with frontline for. 
Regards,
[redacted]

To Whom It May Concern,
Frontline Processing Corp. is in receipt of Mr. [redacted] complaint, and responds as follows:[redacted] sells a bed bug repellent product, primarily through a website at www.[redacted].com. Frontline opened a merchant processing account for [redacted] in March 2015....

Very shortly thereafter, Frontline and its sponsor bank observed that an exceedingly high percentage of [redacted] customers were initiating chargebacks were their credit card companies. In some months as much as 25% of [redacted] sales were subject to refunds and chargebacks. The industry standard threshold at which merchants are subject to being identified for chargeback monitoring programs is closer to 1%. [redacted] generated an unacceptably high level of refunds and chargebacks, a level which can often indicate significant potential problems with the merchant’s business model. [redacted] was unable to get these chargebacks under control, so Frontline’s sponsor bank asked Frontline to close the account. Frontline of course complied. Since then, Frontline has learned that [redacted]” product has been the subject of numerous customer complaints involving not only the product itself but [redacted] billing and collection practices – specifically billing customers for subscriptions when the customer believed they were only ordering a free trial. See [redacted] own Revdex.com page at [redacted]. These practices may be the reason for [redacted] excessive chargebacks.
Mr. [redacted] correctly notes that Frontline held a reserve account to cover any liabilities of [redacted]. After closing [redacted] merchant processing account, Frontline held the reserve account for one year, as it is entitled to do under its contract. Relevant contractual language already provided to the Mr. [redacted] in a letter dated 07/25/16 includes…
25.3 We may use the Reserve Account to cover any of your liabilities, whether they are incurred before or after the date of termination. Bank or Frontline may enforce such security interest without notice or demand. Merchant’s obligation to maintain such Reserve Account shall survive the termination of this Agreement by a period of three hundred sixty five (365) days (or longer depending on Merchant’s product and business practices) during which time Bank’s or Frontline’s security interest shall continue.
Frontline also charged [redacted] excessive chargeback fees, again as is provided in the parties’ contract:
19.9If your Chargeback percentage for any line of business exceeds the estimated industry Chargeback percentage, you shall, in addition to the Chargeback fees and any applicable Chargeback handling fees or fines, pay us an excessive Chargeback fee for all Chargebacks occurring in such month in such line(s) of business…
We understand that [redacted] is disappointed with Frontline’s resolution of this matter. But neither Frontline nor its sponsor bank could possibly continue processing for [redacted] given their inability to resolve customer complaints and continually have excessive chargebacks and refunds.   
Sincerely, Frontline Processing Corp.

I was made aware of an issue Wednesday 12/9/2015 concerning Rimrock Custom Tannery; Merchant MID [redacted]. They closed their merchant account with us in April 2014. At the time, as is customary of our closure process, we had advised said merchant that they needed to also close their check...

service with SAGE/GETI as per their contract they signed with SAGE/GETI. You will note from Sage/GETI's 18.2 (copied below) per their contract that it is the merchants responsibility to cancel. In this case; Rimrock Custom Tannery never did effectively close this account with SAGE/GETI; therefore accruing charges all along. Rimrock Custom Tannery has since contacted us requesting a refund for these charges. I called [redacted] and informed him that 21 months have since passed; that it was his contractual obligation to have canceled his own account with SAG/GETI. I had offered to possible help with two months of these fees upon our senior managements approval; but since it well past 60 days, we would not refund any more. [redacted] wanted nothing to do with that; stating he would utilize his social media skills to let everyone know. Why he allowed 21 months to elapse before realizing he was still being charged...SAGE/GETI never did state that this was Frontline's obligation to close Rimrock Custom Tannery as was stated by said merchant per their recorded phone conversation. I feel we have handled this professionally with the intent of refunding two months of charges. This is a contractual obligation of the merchants to cancel their own contract. I hope this helps in absolving our participation regarding this matter.
From: EFT - CustomerSupport [mailto:[redacted]]
Sent: Thursday, December 10, 2015 11:30 AM
To: [redacted]; EFT - CustomerSupport
Cc: Mike Peterson; Allison Hadley
Subject: RE: Rimrock Custom Tannery
18.2 TERMINATION. This Agreement shall continue indefinitely unless and until terminated by either party. MERCHANT must provide sixty (60) days written notice to SPS-EFT of termination
and monthly minimum and subscription fees will continue in effect for this time. If either party terminates this agreement a one-time fee of one hundred ninety nine dollars ($199.00) will be assessed
and electronically debited from MERCHANTS account. SPS-EFT shall have the right to suspend or terminate this Agreement immediately and without notice to MERCHANT.
The agent did not tell the caller that it was the ISO’s fault for not cancelling.
The merchant stated that he had cancelled with the credit card company over a year and a half ago.
The agent stated that we were not notified of the intent to cancel.
Thanks!
Customer Support
EFT Customer Support
Office: [redacted] | Fax: [redacted]
[redacted]
The information contained in this email transmission may constitute confidential information. If you
are not the intended recipient, please take notice that reuse of the information is prohibited.
From: [redacted]
Sent: Thursday, December 10, 2015 12:57 PM
To: EFT - CustomerSupport
Cc: [redacted]
Subject: Rimrock Custom Tannery
Importance: High
Merchant Support,
Please advise where in this merchants contract or terms that is states it is the merchant responsibility to close their own merchant account. Merchant is claiming that one of our CSR’s told the merchant it was the ISOs fault for not terminating the account then and merchant filed a Revdex.com complaint on the ISO.
Thank you !
[redacted]
Sales Support, Sales Operations, [redacted] EFT
Sage
Sales Support Queue: [redacted] | Office: [redacted]
Twitter | YouTube | LinkedIn | Facebook | Community
See you at [redacted] Summit Chicago 2016 #SageSummit
The information contained in this email transmission may constitute confidential information. If you
are not the intended recipient, please take notice that reuse of the information is prohibited.

As for [redacted]'s response; I will have our accounting initiate a refund for the two months ($64.00).  I misunderstood [redacted] as not accepting this offer.  However, our position still remains for the remaining balance.  This is a contractual obligation between [redacted]/Rimrock Custom Tannery & SAGE/GETI.  We did close his merchant account with us; therefore he never received any further statements from us.  We had advised him to close his check service account with SAGE/GETI.  It is not our responsibility to close his check service account thru the contract set forth by SAGE/GETI.  Sincerely,[redacted]

In response to Complaint: [redacted] requested a merchant and gateway account in June 2017, which was opened and approved by Frontline Processing through our acquiring bank Esquire.His merchant account never processed transactions, though there are fees for having an open merchant...

account.   He also had a separate Gateway account through Authorize.net which is a separate vendor that charges separate fees.  Any fees incurred from that gateway must be addressed to that vendor. Similar to any bank account.Mr. [redacted] sent a response email to his automatic  monthly merchant statement email in November stating he had requested closure 2 months ago which would be September. The closures department never received a closure request submission from him.  Emailed Mr. [redacted] and told him we were unaware that he wanted to close his merchant account.  He became upset saying that he never processed and shouldn’t have fees, I explained there are fees for opening an account with us.Regardless, As per Section 28 of our merchant agreement it clearly states we require a written notice of termination of their merchant account.   By law as this is a financial agreement we cannot make account changes without written requests from the account guarantor.   I have attached a copy of our merchant agreement and can provide the signed agreement that Mr. [redacted] signed 6/2017 upon inception of his merchant account with Frontline Processing.As a courtesy to the merchant we refunded $54.49 statement fees to the Merchant on 12/7/17.Due to the laws in place we would like this “complaint” removed from our Revdex.com rating.

We have been with Frontline Processing for a few years now, and the service has been great. We have only had one issue during our tenure with them, and it was handled quickly and efficiently. If you are looking for someone to handle your credit card processing, give them a shot!

My business used Frontline when they first started in Bozeman and they have been professional, community-oriented and very helpful in sharing info and fraud alerts. After moving to Helena in 2009 I switch my new company to Frontline and have been saving money and receiving excellent customer service. Very happy with the service and totally comfortable with their security procedures.

Our company has been doing business with Frontline Processing for over a year now. We have always found them to be professional and ready to assist us with any questions or business needs. We have found their customer response time to be the quickest of any credit card gateway service we have ever used in the past.

Review: In April 2014 I had closed my account with the frontline processing and was told everything was good I had not received any statements from them. I just found out that a company by the name [redacted] was doing check processing for frontline and Was charging me $32.00 a month for a service that was to have been closed out. After talking to [redacted] they informed me that frontline was to blame for not closing the account out properly. I got a call from frontline representative this afternoon and was told there was nothing they could do to reimbursing me the $640 because it had been over 60 days even though he had acknowledged that it was their fault and not closing out my account.

Business

Response:

I was made aware of an issue Wednesday 12/9/2015 concerning Rimrock Custom Tannery; Merchant MID [redacted]. They closed their merchant account with us in April 2014. At the time, as is customary of our closure process, we had advised said merchant that they needed to also close their check service with SAGE/GETI as per their contract they signed with SAGE/GETI. You will note from Sage/GETI's 18.2 (copied below) per their contract that it is the merchants responsibility to cancel. In this case; Rimrock Custom Tannery never did effectively close this account with SAGE/GETI; therefore accruing charges all along. Rimrock Custom Tannery has since contacted us requesting a refund for these charges. I called [redacted] and informed him that 21 months have since passed; that it was his contractual obligation to have canceled his own account with SAG/GETI. I had offered to possible help with two months of these fees upon our senior managements approval; but since it well past 60 days, we would not refund any more. [redacted] wanted nothing to do with that; stating he would utilize his social media skills to let everyone know. Why he allowed 21 months to elapse before realizing he was still being charged...SAGE/GETI never did state that this was Frontline's obligation to close Rimrock Custom Tannery as was stated by said merchant per their recorded phone conversation. I feel we have handled this professionally with the intent of refunding two months of charges. This is a contractual obligation of the merchants to cancel their own contract. I hope this helps in absolving our participation regarding this matter.

From: EFT - CustomerSupport [mailto:[redacted]]

Sent: Thursday, December 10, 2015 11:30 AM

To: [redacted], [redacted]; EFT - CustomerSupport

Cc: Mike Peterson; Allison Hadley

Subject: RE: Rimrock Custom Tannery

18.2 TERMINATION. This Agreement shall continue indefinitely unless and until terminated by either party. MERCHANT must provide sixty (60) days written notice to SPS-EFT of termination

and monthly minimum and subscription fees will continue in effect for this time. If either party terminates this agreement a one-time fee of one hundred ninety nine dollars ($199.00) will be assessed

and electronically debited from MERCHANTS account. SPS-EFT shall have the right to suspend or terminate this Agreement immediately and without notice to MERCHANT.

The agent did not tell the caller that it was the ISO’s fault for not cancelling.

The merchant stated that he had cancelled with the credit card company over a year and a half ago.

The agent stated that we were not notified of the intent to cancel.

Thanks!

Customer Support

EFT Customer Support

Office: [redacted] | Fax: [redacted]

The information contained in this email transmission may constitute confidential information. If you

are not the intended recipient, please take notice that reuse of the information is prohibited.

From: [redacted], [redacted]

Sent: Thursday, December 10, 2015 12:57 PM

To: EFT - CustomerSupport

Cc: [redacted]; [redacted]

Subject: Rimrock Custom Tannery

Importance: High

Merchant Support,

Please advise where in this merchants contract or terms that is states it is the merchant responsibility to close their own merchant account. Merchant is claiming that one of our CSR’s told the merchant it was the ISOs fault for not terminating the account then and merchant filed a Revdex.com complaint on the ISO.

Thank you !

Sales Support, Sales Operations, [redacted] EFT

Sage

Sales Support Queue: [redacted] | Office: [redacted]

Twitter | YouTube | LinkedIn | Facebook | Community

See you at [redacted] Summit Chicago 2016 #SageSummit

The information contained in this email transmission may constitute confidential information. If you

are not the intended recipient, please take notice that reuse of the information is prohibited.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]

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 complaint. For your reference, details of the offer I reviewed appear below.

I have read frontlines response and it is all lies!! ,, I agreed to let frontline refund two months payments. I was told by frontline in April 2014 that my account had been successfully closed and was NEVER told that they used [redacted] for the check processing, and that I would have to contact them to close the account. I wasn't even aware that [redacted] was taking a monthly payment until just recently. The last contact I had with frontline was in April 2014 when I closed the account, I wasn't receiving a statements from frontline so had no idea I was being charged. I have never received a statement from Sage, therefore I don't have any evidence other than money being taken out of my account every month for a service that I signed up with frontline for.

Regards,

Business

Response:

As for [redacted]'s response; I will have our accounting initiate a refund for the two months ($64.00). I misunderstood [redacted] as not accepting this offer. However, our position still remains for the remaining balance. This is a contractual obligation between [redacted]/Rimrock Custom Tannery & SAGE/GETI. We did close his merchant account with us; therefore he never received any further statements from us. We had advised him to close his check service account with SAGE/GETI. It is not our responsibility to close his check service account thru the contract set forth by SAGE/GETI.

We are a property management company. Frontline continues to robocall all of our properties soliciting with no way to opt out, and all phone numbers are on the Do Not Call list. There is also no way to speak with a live representative.

This is against the law.

Review: Approximately 2 months ago I began trying to get a breakdown of charges to my credit card processing. What I am being charged is twice what it should be. In the process I learned Frontline Processing has retained over $2,000 of my money. I have requested a refund and I have been put off for the past month without any results other than excuses. Days have turned into weeks which have turned into months. Frontline has held my funds since December of 2014.

I have requested my funds and also an accounting of the charges on my account. All I am getting are excuses and promises to return my calls without results. First, I expect my money being held by them and secondly I expect them to account for charges to my account.

Can you PLEASE assist me in this matter?Desired Settlement: 1st. Refund my money.

2nd. Account for charges being deducted.

Business

Response:

Re: Update on Claim [redacted]