Joule Marine Transport Inc

Date: May 17, Complaint ID: *** DearRevdex.com, This letter is to address an issue that was brought up previously and discussedThe BankCard Group cannot refund what another company has billed youThe BankCard Groups refund policy is to review a dispute within days of the billing cycleWe refunded months minimums of plus the November billing of (this is the bill that included the annual fee that you are disputing and that was already refunded)The total refund of was sent by check and cashedAs a processor we cannot cancel any of your personal accounts, we are considered an uninterested third partyYou the merchant are responsible for cancelling your other merchant services accounts and this was part of the prior conversation that we hadIn addition you also state this went on for over monthsYou processed in October and were refunded everything from November through February 2016, four monthsThe statements are attached again so that you can verify the totals refunded as well as to assist in when your last processing statement should have beenAs far as the Merchant service account Gone Country Gift Shop it is under a three year agreement, so an early termination fee should applyThis fee will be waived once the free equipment is returned to our officeThe merchant is responsible for all monthly fees owed through the month the terminal is receivedThis agreement and terms and conditions are attachedThere is personal information whited out since you are not the authorized signor on this account or even on the documents to make decisions for this businessAll documentation for mentioned accounts with terms and conditions as well as statements are attachedThank you and have a great day.Sincerely, *** *** Office Manager The BankCard Group *** ***

Revdex.com Corporate Office Attn: *** *** *** ** *** ***
*** ** *** P: *** *** F: *** ***
Date: June 26, 2017 Complaint ID: *** Dear *** ***, The merchant
service account with Outdoor Specialties was open from August - February During that time frame the account representative was terminated and merchants contacted to make them aware that if they have any issues on their merchant accounts to please contact the sales office directlyThe call to this location was made November 14, The gentlemen who answered the phone were given the information. Information below will address individual issues such as checks that were written, the proposal from the other company, and the billing that took place after the account was closed Outdoor Specialties wrote checks directly to an individualThat individual cashed those checks and The BankCard Group never received any of those funds nor was knowledgeable that checks were writtenAs soon as they were made aware legal authorities were contacted and we advised individuals how to proceed to reclaim those fundsThis is an open case at this time Attached is the proposal from another company that is based off of a volume and average ticket that Outdoor Specialties does not doAt the time the bid was received a manager reached out to this merchant to inquire how the volume and average ticket information was compiledThey stated it was not correct and would get corrected information and resubmit the proposal for reviewFor example, in the attached proposal the monthly volume is at $35,and the average ticket is $The total transaction count is listed at 17, indicating the average ticket would be $not the $on the proposalReviewing the last years’ worth of statements the volume and average ticket was not supportedThe corrected information was never received and the account cancellation form submitted The account was closed with an early termination fee applied as advised after the free equipment was returnedThe equipment was returned February 27, so the account was billed in the month of March the early termination fee and closed as this take 3-business days to processIn April all accounts were billed a $per location fee that MasterCard began billing for the months January 2017- March It states in the attached terms and conditions section the following: MERCHANT understands that there shall be fees, chargebacks, assessments, and/or amounts which shall arise as a result of the Agreement, both during and after termination of the AgreementMERCHANT authorizes BANK to debit via ACH from any account held by MERCHANT at any financial institution in the amount of any amount owed by MERCHANT under this Agreement, including but not limited to any amounts owed for fees, chargebacks and or assessments which shall arise after termination of this AgreementThis ACH authorization will remain in effect after termination of this Agreement or until BANK has received written notice terminating this authorizationMERCHANT will indemnify and hold BANK harmless for any action they take pursuant to this SectionMERCHANT will also indemnify and hold harmless any other financial institution for acting in accordance with any instructions from BANK pursuant to this Section All documentation for mentioned accounts with terms and conditions as well as statements are attachedThank you and have a great day Sincerely, *** *** The BankCard Group

Complaint: ***
I am rejecting this response because:
ID # ***- The BankCard Group I did not respond to the company's reply as I was awaiting to see when I received the partial refund that they stated they were refunding and I still have NOT received it. I have not heard anything back from them per our last conversation either.
Regards,
Kathy Luttrell

Complaint: [redacted]
I am rejecting this response because:
 Again this was not the agreement that was made between our company and [redacted] that was representing The BankCard Group. He was very adamant about the fact that we could CANCEL at anytime and there would be NO cancellation fees. I asked him several times to make sure we were both on the same page that if we would switch to his company and then decided we did not want to keep them as our card processing company we could cancel and there would be no fees. He assured us over and over that their company had no hidden fees and that there
would not be any cancellation fees. As far as the terminal goes and the lease they are claiming we signed. I contacted First Data and they sent back a letter stating we had been with their company since 2012 and have already made 27 payments. How is this correct if we just switched to the BankCard Group May 1st of 2015 and then was supposedly changed terminals and signed a lease in November 2015. Your company is based on lies. I believe your company forges documents and lies to companies just to get their money. I don't think [redacted] has any grounds to speak on this matter anyway considering all correspondence was made with [redacted]. You are just taking the word of a sales rep out to make money and not listing to the fact that he promised us there was no cancellation fees, no statements fees, and no equipment fees. ALL LIES FROM THE BANKCARD GROUP.    Best Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
  I had spoken to Gina over a month ago an per our phone conversation she was told that both the initial gift shop an the sport's bar bank accounts had been closed. She acknowledged that an said at that time she would go ahead an put in for a paper check to be issued because I asked then how it would be refunded since I had to close the accounts to keep their company from taking out further money that was not suppose to be taken out as they had been doing for almost 6 months. Our conversation by phone where you acknowledged the refund an putting in for a paper check was right before your initial first reply to this complaint. So you knew the accounts had been closed.  In addition, I still want to be refunded the money that was taken out of my account by the prior credit processing company that I had when your local rep Christopher Buckner lied to me repeatedly an provided false an misleading information to get me to switch to your company, which I unfortunately did.  With that being said he took their credit processing equipment an said he would return it to them an have my account with them closed.  I have several texts an emails where we discussed it over several months when I kept telling him they were continuing to take money every month from my account.  He swore to me an texted that he was taken care of it.  So for over 6 months they continued to take money out of my account an I had to continue to call them an finally in late January they said they could not close my account because they had not yet received their equipment back.  I immediately contacted him an he said he had taken care of it.  After another month of them debiting my account I called back an he had FINALLY sent them their equipment over 6 months after HE took it from the sports bar. The total they took out was $40.00 a month an their yearly fee of $125.00, for a total of $405.00.    I understood your reply in our phone conversation that you can't be responsible for money another company took out of my account, but with that said the company would have NOT taken that money out of my account if YOUR local rep Christopher Buckner had not took their equipment an kept it for over 6 months. So I do believe that would make it your company's fault.   In reply to the refunds you stated you were giving, the amounts do not cover everything that is owed to me by your company's local reps mistakes an not doing his job. He took your company's equipment also in October of last year an the sports bar account with you'll was suppose to be closed then.  He didn't turn it in til Feb. 4 months later. So in you continuing to take money for that account it caused my bank account to be overdrawn because you were double dipping into it for that account an for the gift shop account I had opened which had the same bank account.  He repeatedly assured me month after month that he was getting it all refunded. The overdraft fees your double dipping caused were in the total amount of $102.50.   So that is another total amount of $507.50 that your company owes me.    I also would like to have my current account with you'll closed come April 30th 2016 and no other fees be taken out of the bank account. No early termination fee since your local rep Christopher Buckner has caused me so much stress, undue hardship an a lot of time in trying to get this straight.
Regards,
Kathy Luttrell

Complaint: [redacted]
I am rejecting this response because:The reason we even switched to The Bank Card Group was because their sales rep said it is a month to month contract and there would be no cancellation fee. This sounded great because we are a seasonal business and close during winter months so we could cancel at anytime with no fee and then start back up when ever we open back up. I explained all this to [redacted] and she said she would contact the rep that came into our business and we also tried contacting him but he never answered and [redacted] apparently was unable to get in touch with him. As far as the equipment goes there was never any discussion that we would be on a leas at $19.95 for 48 months. The rep came in and said we should be getting a new terminal and to call him as soon as it comes in. We did receive the terminal and contacted the rep he came in  and hooked the machine up and said I need you to sign the form stating I was here and I hooked the machine up and that he would fill in the date and any other office information. We contacted First Data and after we received the lease agreement with them and they stated they had never even heard of the bank card group. So no we do not feel as if we should have to pay the $495.00 cancellation fee since we were never under any contract except a month to month basis, they have done nothing but lie to us and give us false information and if they are giving a company our personal checking information with out our knowledge I am concerned about my customers information. I think this is a fraudulent company that tells you one thing and then turns around and tries to get money from you.  
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.I have spoken with the business over the phone.  I have attached the original voice mail (if you are able to download) that I received from the company, just to show that the woman that called me stated that she was calling "about my merchant services account."  I did not have such an account so she was being misleading.I have also attached the email I sent to [redacted] on 09/02/2014, requesting a full refund.
Regards,
[redacted]

Revdex.com Corporate OfficeAttn: [redacted]P: ###-###-####F: ###-###-#### Date: April 22, 2015Complaint ID: [redacted] Dear Ms [redacted],  This merchant was contactedin an effort to gain their merchant services account. We were offering...

freeequipment as long as they process with us that are smart card and PCI/DSScompliant. I have attached the documentation that was sent to this merchant inan effort to gain their business. All documents are clearly stating NationalMerchant Services. We stated that we wereNational Merchant Services and that they could send us there statement for afull comparison to see how much money we could save them and gave the companythe information to fax it back to. We are also giving a list of severalwebsites that support what we called and stated. Here is some information on what thecards are about and the machine. Here is the Visa link… [redacted]The second bullet is whereit talks about April 1,2013 Here is the MasterCardlink..[redacted]Go to April 2013 and it isthe first set of info[redacted]The merchant called in August2014 and we let him know that we would refund the minimums that were billedonce the free equipment was received. That was returned on August 21, 2014. Wethen refunded the 35.00 minimum and have never had another call from thismerchant. Statements are also attachedshowing what was billed and what was charged the difference is $20.37. Had webeen contacted this would have also been refunded. This is the first requestfor that portion of the statement to be refunded. A credit for the $20.37 hasbeen processed.It’s unfortunate that thereis any confusion this may have caused them and we have placed them on our donot call list. If you have any additional questions please let us know. Thankyou and have a great day.   Sincerely,   [redacted]Vice PresidentThe BankCard Group###-###-####

I have spoken with the owners and we have decided to cancel this merchants lease. Since it is already closed I am not sure how to get this to the merchant and post this so it resolves the issue. Can you please assist me? Thank you in advance for your help.   Thank you, [redacted] The Bankcard Group [redacted]

Revdex.com Corporate Office Attn: [redacted]
[redacted] P: [redacted] F: [redacted]   Date: December 19, 2017 Complaint ID: [redacted]   Dear Ms [redacted],   The merchant agreements are attached and they began processing in January 2013....

The merchant service agreements are for three years and they auto renew unless a letter is received requesting the closure. They requested cancellation of merchant services on December 08, 2017 and there agreement would not be fulfilled until January 2019.   Since this merchant agreement was still within the three year period the early termination fee of $495.00 per account was applicable. The merchant called in after the fee was billed and the fee was explained in detail. There was an offer to refund $100.00 per account and that offer was declined by the merchant.   Please let me know if there are any other questions regarding this matter. Thank you and have a great day.     Sincerely, [redacted]
The BankCard Group [redacted]

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[redacted] Date: January 12, 2016 Complaint ID: [redacted] Dear [redacted] The BankCard Group does have the ability to stop billing during the months that the account is not processing. That is different than closing the account. [redacted] called to close the account and that is when the early termination fee was applied. Again closing the account is different than placing the account on a seasonal status. The First Data Lease agreement was completed at 19.95 a month for 48 months. Below is the process for leased equipment: The representative went over the lease agreement and then submits to the corporate office. First Data places an outbound call to the business confirming the lease request. The equipment is then delivered to the merchant. The representative then has the merchant complete a Delivery and Acceptance form that states they have received the equipment and it is in working order. That Delivery and Acceptance is submitted to First Data and the lease is then complete and in progress. The representative was contacted in regards to this account and all the information was confirmed. That the account can be a seasonal account and will not be billed during the off season. A call would need to be placed to let us know that you are going into your seasonal status. Then once the account is to be utilized a call 48 hours in advance to make active again. This is different than cancelling the account. Cancelling or closing the account and switching providers does have a early termination fee if closed prior to the three year agreement. Again the documents for the lease that were completed are attached and the signatures are the merchants and the lease was verified in several different manners on different occasions. If you have any additional questions regarding this merchant service account please let us know. Thank you and have a great day. Sincerely, [redacted] Office Manager The BankCard Group [redacted]

[redacted] Date: December 30, 2015 Complaint ID: [redacted] Dear [redacted] Shown in attached documents this merchant signed the original merchant service agreement on April 29, 2015....

On that date there was also a Free Terminal agreement that was completed and sent to the merchant for processing. Our industry has implemented EMV technology and new piece of equipment was needed with this programming in order to process EMV cards. On October 28, 2015 this merchant representative met with her and let her know that we could upgrade that equipment for 19.95 a month in a lease. She signed and agreed to the lease. The leasing company also reached out to the merchant to verify the lease agreement prior to approving the lease. The leasing company is First Data Leasing and on November 10, 2015 [redacted] signed the Delivery and Acknowledgement form stating she received the equipment and it was in working order. We require a copy of the driver’s license to also verify signatures to commence the lease. Copies of all of the following documents are attached. The merchant placed a phone call to cancel services and switch providers on December 22,2015. There is a $495.00 early termination fee for cancelling the merchant service agreement and at that time we forwarded all documents requested to the merchant. Also attached is the faxed confirmation of all documents sent. Several attempts to reach this merchant were made to see how she wished to proceed and she stated that she wished for the account to be closed so the $495.00 early termination fee was billed. The lease agreement is through First Data Global Leasing and [redacted] would need to contact them directly to go over cancelling the lease at this time. If you have any additional questions regarding this merchant service account please let us know. Thank you and have a great day. Sincerely, [redacted] Office Manager The BankCard Group [redacted]Attached are 26 pages including merchant agreement and lease information completed.

Complaint: [redacted]
I am rejecting this response because:  I called and asked if we were under contract before I ever made a decision to change processing companies.  I was told we were not under contract.  Then when I called in to actually cancel the service and again I was told nothing of contracts or early termination fees.  I rejected the 100.00 because when you tell a customer they are not under contract and then charge them $495.00 per account you don't accept only receiving $100.00 back.  
Regards,
[redacted]

Revdex.com Corporate Office [redacted] 1005 La Posada Drive Austin, TX 78752 P: [redacted] F: [redacted] Date: April 5, 2016       Complaint ID: [redacted] Dear [redacted] This letter will again addresses two separate businesses so we will address Gone Country Gift Shop first. As stated in the previous letter we issued a refund for $31.69, refunds are issued to the account listed on file. This refund was processed on 03/14/2016. However, the bank account was listed as closed and the bank retuned the deposit to R02-Account Closed. At that time we submitted to have a check issued and mailed and to the address we have on file. Please remember that all of this is a process. We deposited to your financial institution and then ut takes several does for us to receive the notification that you closed the bank account. At that time it gets researched in accounting and then I am notified in how we would like to proceed. So the process to issue a check had already been submitted. If you do not receive the check please call us so we can research if it has been cashed or not. This brings us to Gone Cone Country Sports Bar. Again the bank account was closed and the same detailed procedure as above was followed. A check is already in the process of being issued. The bank account on file was listed as closed and the deposit was returned R02-Account Closed. In summary both accounts had again been handled prior to us receiving this complaint and accounts refunded accordingly.  The process would have been much faster had the accounts we have listed on file would not have been closed. Attached are copies of the deposit and trace information that were originally submitted, please keep in mind that deposits take place 2-3 business days after submission. If you have any additional questions regarding this merchant service account please let us know. Thank you and have a great day. Sincerely, [redacted] Office Manager The BankCard Group [redacted]

Revdex.com Corporate Office [redacted] 1005 La Posada Drive Austin, TX 78752 P: [redacted] F: [redacted] Date: March 11, 2016    Complaint ID: [redacted] Dear [redacted] This letter addresses two separate businesses so we will address Gone Country Gift Shop first....

This account was changing ownership during the month of February 2016. The owner [redacted] had processing in the month of February. There is a monthly minimum on all agreements and this account was billed for the processing of those batches and the month end fees. All is valid billing and in the merchant services agreement. However, since the new owners also boarded accounts with us in the middle of the month we submitted a refund for the difference of the minimum on 03/11/2016, therefore this account was only billed for the processing fees that were deposited and for services rendered. In addition the new account that was set up was also refunded since processing had not begun yet. Attached is this merchant services agreement and the final statement to show we only billed what was processed and the refund amount of $31.69 reflected the difference of what was billed. Gone Country Sports Bar had processing in the month of October 2015 so that was a valid billing cycle. In the merchant services agreement it states that we will bill minimums until we are notified to cancel and free equipment is returned. The BankCard Group received equipment in February of 2016 and closed that account with no early termination fee since they were out of business. In addition we refunded all billing back to the month of October which was the last date of processing. Attached is the merchant services agreement stating the equipment was free and that we bill until it is returned. Also attached are the statements reflecting back to the last month processed and add up to the total refund that was submitted of $342.60. In summary both accounts had been handled prior to us receiving this complaint and accounts refunded accordingly. If you have any additional questions regarding this merchant service account please let us know. Thank you and have a great day. Sincerely, [redacted] Office Manager The BankCard Group [redacted]