Merchant Account Solutions

As previously advised, please see below Agreement available upon request, call ###-###-#### Ext Merchant stated they agreed to new agreement which indeed was done by the highest Manager(supervisory consultation) available to assist with the merchants confusion, merchant was not denied assistanceMonthly statements are mailed to merchants mailing address provided as well as they are provided with logins in their welcome packet which also has the terms and conditions for service requested to login to view their "bill"No one "threatened" to withdraw money from his account but was advised of the services he requested and would be "billed" for service renderedMerchant requested to accept credit cards as a form of payment for their Retail T-shirt business, with average monthly volume of $2,and an average ticket of $20.00, merchant failed to read initial agreement terms and has been adjusted as a courtesy of merchant misunderstanding After reviewing this account communications and account notationsWe don't understand where the merchant saw that they wouldn't be charged a monthly service fee as they were directed to our online application where all the fees associated to service requested were available to read through, understand and agree toALL documentation pertaining to the merchant agreement was provided upfront before the merchant signed upMerchant completed application online and signed it digitally which is embedded with the merchant IP Address ##.##.###.###(see below) on March 11, Merchant was as a courtesy offered to lower monthly service fees and shortened agreement length to assist with their misunderstanding of the agreement by the Retention Manager available which is Anthony HerreraServices were requested, provided and installed Merchant stated would continue service with new amended fees and length and even completed PCI questionnaire to reduce feesMerchant Account Solutions has assisted the merchant to have a better understanding of the services requested and we providedWe do not record our calls without permission as it is violation and we hold the right to refuse to have our calls recorded as well per state and federal lawsAgreement available upon request, call ###-###-#### Ext This case has already been dealt with outside of Revdex.com and we have completed all offers to amend the original agreement that the merchant did not understandChanges completed to account month agreement reduced to months( releasing of 66% of financial liability of month agreement) Monthly Fees $reduced to $ General IP Information IP: [redacted] Decimal: [redacted] Hostname: mo-##-##-###-###.dhcp.embarqhsd.net ASN: ISP: CenturyLink Organization: CenturyLink Services: None detected Type: Broadband Assignment: Dynamic IP Geolocation Information Continent: North America Country: United States State/Region: Florida City: Cape Coral Latitude: [redacted] [redacted] Longitude: - [redacted] [redacted] Postal Code:

Merchant provided an invalid bank account that does not accept deposits, merchant was advised to provide proper business checking account numerous times and refuses to proceed with requestShe is not getting the "run around", she is failing to comply with our requests Merchants last communication was "she's busy"Funds cant be release until proper banking information is updatedplease contact ###-###-#### option for further assistance in funds being released9/16/8:PM OFFRD TO MK CNFRNCE CLL W/ BNK TMRRW, MERCH SD SHE'S BUSY ADVSD WE CN'T UPDT DDA UNTIL WE VERIFY W/ THE BNK

Complaint: I am rejecting this response because: I did not authorize or consent to the charges to my bank account and at no time was disclosed of this information that my account would be billed I signed up on an app on my iphone that said no monthly fees, Credit card Fees, Or cancellation Fees, I finished signing up for the account over the phone yet I was never informed of any information involving billing or that the routing numbers they collected would be billedWhen I entered my routing numbers to the app it said the account WOULD NOT BE CHARGED that is was for deposits onlyin U.S.C§ : US Code - Section 7001: General rule of validity - part (c) Consumer disclosures (1) Consent to electronic records Notwithstanding subsection (a) of this section, if a statute, regulation, or other rule of law requires that information relating to a transaction or transactions in or affecting interstate or foreign commerce be provided or made available to a consumer in writing, the use of an electronic record to provide or make available (whichever is required) such information satisfies the requirement that such information be in writing if - (A) the consumer has affirmatively consented to such use and has not withdrawn such consent; (B) the consumer, prior to consenting, is provided with a clear and conspicuous statement - (i) informing the consumer of (I) any right or option of the consumer to have the record provided or made available on paper or in nonelectronic form, and (II) the right of the consumer to withdraw the consent to have the record provided or made available in an electronic form and of any conditions - See more at: http://codes.lp.findlaw.com/uscode/15/96/I/7001#sthash.hp289ZPe.dpuf This company did not disclose the proper information by phone, paper letter, or email that the bank account on file was going to be charged, under consumer disclosure acts a company must provide these type of details in writing to a consumer or make knowable that billing is going to occur and get there consentI never consented to any billing at any time and was never once informed I would be billed anything while the company had numerous chances to explain billing they did not Furthermore in the same US code above you will find that - (1) a signature, contract, or other record relating to such transaction may not be denied legal effect, validity, or enforceability solely because it is in electronic form; and (2) a contract relating to such transaction may not be denied legal effect, validity, or enforceability solely because an electronic signature or electronic record was used in its formation - See more at: http://codes.lp.findlaw.com/uscode/15/96/I/7001#sthash.hp289ZPe.dpuf I have sent for my account to be closed by fax the documents they requested for me to fill outI have also sent the company emails that the fax was sent three times and to close my accountAt this time I am still asking for a refund for the two charges of for a total of $Refunded to my bank of america account I will close this complaint and seek no further action if they agree to refund my money they stole Regards, M [redacted]

I signed up for Merchant Account Solutions through a referral from a friendEvery person I have talked with from this company has been very pleasant to deal withI ran into an issue with a customer who requested a refund on their purchaseI called the technician and was walked through this process quickly and easilyI am very happy with my decision to process credit cards through this company and would encourage others to do so

Merchant Account Solutions operates with worse than deceptive practices -- they flat out lie They will charge fees and take money out of your bank account When you question them, they will claim that it was in the contract you signed (it wasn't) They will continue to charge you monthly fees, until you decide to try to leave, when they will tell you that there is an early termination fee of $500+ (also not in the contract) Best advice, don't give them any of your banking information Get out before you get trapped If you're already in, get out and change accounts

After reviewing this merchants account, we unfortunately cannot assist the merchant with some of their concerns as they are not the account holder/principalWe gathered the following info to assist with clarification however merchant desired resolution will not be granted MrFernandez applied for service for his business on April 13th, and has been actively processing from the inception of the account, this account is good standing and has an agreement in placeThe second account was applied later the in the month of April by a different business owner with different informationIn no way shape of form did we make a mistake and create accounts with completely different information MrFernandez is referring to an account that maybe associated to him via his partnership, however he is not on the agreement we are not at liberty to provide full informationWe will advise the following: This account has been closed with no termination fee on the end of February’s billing cycle

Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10662358, and find that this resolution is satisfactory to meThe merchandise listed has been shipped with a usps tracking number [redacted] and is expected to arrive on Tuesday June 16th.Regards, C [redacted] ***

After reviewing this merchants account notations, communications and agreementMerchant requested service by downloading our mobile application Credit Card Reader available through the Google Play Store for download for freeMerchant was contacted by our representative and advised to complete and online application in order to complete activation and for equipment to be sent out, merchant was also advised to read through application before agreeing to termsMerchant completed application and agreed to terms and conditions via digital signature embedded with their IP Address **.**Within those terms any and all service fees where listed and available to save and retain, also a welcome packet was mailed which included a CD with the Merchant Services Program Guide (Terms and Conditions)In order to address the merchants desired resolutions as a courtesy for the merchant not reading the terms provided we will waive termination fees and agreement as long as the merchant returns equipment provided EPN(2) SN: [redacted] and SN: [redacted] to the address listed below MAS Returns

In order to address this merchants concerns we have reviewed their account notations, communications, and agreement On August 7th, at 5:AM PST merchant downloaded our Mobile Application Credit Card Reader, downloaded and applied for the services in questionMobile App requests pertinent information to be entered in prior to application submission, these steps include but are not limited to Business Name Principal Owner NameFederal Tax ID #Social Security Number Expected Processing Volume Checking Account Number Bank Routing Number Our application process is very clear, concise and requires acceptance by the applicant in each step of the process, the final step is a set of terms, this section provides all important details in regard to the terms, conditions, pricing and structures for each respective applicationAll items listed in question via the complaint detail is available at that point and view-able prior to acceptance of the terms listed in our agreementsThere is full and complete disclosure included with all of our applicationsApplication was signed with digital signature that has the following IP address embedded Installation of EPN Mobile App with a test transition of $was completed on August 19, Services were requested, provided, installed and usedIn closing the desired settlement requested is to have the account closed with no early termination fees.Merchant Account Solutions stands by its services, products and terms listed in our fully disclosed and completely transparent contracts at all times and while we feel that we have delivered the services requested to the best of our ability, we will waive the termination fee due to their misunderstanding of the terms provided as long as the equipment provided is returned in good and working condition to the address belowAny and all fees leading up to account closure are valid as services were requested, provided, installed and usedNo refunds will be processed for monthly services during active state of account as it was in useMerchant Account Solutions would like to advise merchant in their future business ventures to always read and have full understanding of the terms provided for services they are requesting to avoid confusion such as this EPN Serial Number: [redacted] MAS Returns Ref#

So far I have experienced wonderful response time and professional courtesy from Merchant Account Solutions There was a small problem with my account and they fixed it with great speed Their customer service and technical support is very high ranking in my opinion

In order to address this merchant concerns we have reviewed their account notations, communications and agreementsOn 01/08/at 3:PM PST, merchant was contacted by our company to offer lower rates for their credit card processingMsB [redacted] was given a quote based on their established processing volume and business typeMerchant was directed to our online application process, where is requests pertinent information to be entered in prior to application submission, these steps include but are not limited to Business Name Principal Owner Name Federal Tax ID # Social Security Number Expected Processing Volume Checking Account Number Bank Routing Number Our application process is very clear, concise and requires acceptance by the applicant in each step of the process, the final step is a set of terms, this section provides all important details in regard to the terms, conditions, pricing and structures for each respective applicationAll items listed in question via the complaint detail is available at that point and view-able prior to acceptance of the terms listed in our agreementsThere is full and complete disclosure included with all of our applicationsApplication was signed with digital signature that has the following IP address embedded Services were requested, provided, installed and usedIn closing the desired settlement requested is to have the account closed with no early termination fees and fees refundedMerchant Account Solutions stands by its services, products and terms listed in our fully disclosed and completely transparent contracts at all times and while we feel that we have delivered the services requested to the best of our ability, we will waive the termination fee due to their misunderstanding of the terms providedAny and all fees leading up to account closure is valid as services were requested, provided, installed and usedNo refunds will be processed for monthly services during active state of account as it was in useTermination fees will be waived as long as the equipment provided is returned in good and working condition to the address listed belowMerchant Account Solutions would like to advise merchant in their future business ventures to always read and have full understanding of the terms provided for services they are requesting to avoid confusion such as thisMAS Returns Ref# 6###

as previously advised Merchant Account Solutions provided ANY and ALL information during the inception of the merchant requesting servicesMerchant's neglect to read terms provided are being acknowledged by releasing them from financial responsibility of month contract and waiving the $termination fee as courtesy to their misunderstanding of the services they requestedPlease call ###-###-#### for copies of the merchant agreement As advised, in order to proceed with closure please return equipment provided to the address belowPlease retain a copy of the tracking information for you recordsAccount will remain open until equipment is returned, any and all fees accrued during the active state of the account are valid, services were requested and provided MAS Returns

Revdex.com: The business has contacted me in reference to complaint ID They have sent me an email verification that they have resolved my issue Regards, L [redacted] ***

Hello, This case was transferred from the San Jose Office CASE #and was already addressedDate Activity Description 05/20/ Case Closed as TRANSFERRED to another Revdex.com 05/20/ Inform other Revdex.com Case Transferred 05/20/ Inform Consumer Case Transferred to Another Revdex.com 05/19/ Forward to Another Revdex.com - OTTO 05/19/ Receive Business Response To address this merchants concerns we have reviewed their account notationsMerchant was provided with a verbal quote that consisted of the monthly service fees and was directed to an online application that reflected the full pricing schedule for the program they requestedMerchant was advised to read through and complete application, they agreed to the terms via digital signature embedded with their IP addressAs a courtesy for the merchant misunderstanding the terms and conditions provided for them to read on the online application they acknowledged completing, we will waive the agreement termination fees as long as the merchant returns the equipment provided EPN SN:***-***-***in good and working condition to the address belowOnce the equipment has been received we will close the account with no termination fees, however merchant is still responsible for monthly fees as services were provided and installed.MAS Returns [redacted] *** 05/13/ Notify Business of Dispute - Member 05/13/ Send Acknowledgement to Consumer 05/12/ Case Reviewed by Revdex.com - Member 05/12/ Case Received by Revdex.com [redacted] R Operations Manager Merchant Account Solutions P: ###-###-#### xt F: ###-###-#### E: ***@merchantaccountsolutions.com

Complaint: I am rejecting this response because: Card reader was returned by UPS unopenedNever usedI realize that I completed an application, but thought I was dealing with a different company - SquareI have no use for the services of this company and would like to terminate any arrangementWhen I realized it was a mistake within minutes of speaking to them, they said too badNo money will be sent to them to end this contractI was within my rights to cancel within days and they denied this request Regards, B [redacted]

After reviewing merchant account notations and agreement Merchant downloaded and installed our mobile application Smartswipe on March 22, After downloading and installing mobile application which states in order to use Smartswipe application you must apply for a merchant account and directs them to our Merchant Processing AgreementWithin that agreement any and all service fees, terms and conditions were available for the merchant to read through, agree to and email PDF copies to retainMerchant proceeded to enter all of their business information and business owners information and agreed to the terms via digital signature embedded with their IP Address **.***and had not spoken to any representativeMerchant Processing Agreement was approved and issued an account number and Shuttle credit card reader SN: [redacted] On March 25th, one of our in house technician reached out to the merchant to provide Smartswipe logins and to assist with installation and merchant complete a $test transactionMerchant never inquired about pricing or to have agreement explained with any representative, as a company we received a completed agreement which stated merchant understood pricing that was listed As a courtesy to the merchant we can terminate the merchant agreement without penalties as long as merchant returns equipment(listed above) to the address below in good and working conditionsAs far as monthly service fees already billed, merchant requested service to process credit cards for their business and was provided with service to do so and installed equipment, fees are valid Per our Privacy Policy and Card Network Policy no merchant information will be shared or sold outside of our company and its affiliatesMAS Returns

After reviewing this merchant account notations and agreement, merchant was emailed a Merchant Processing Agreement and was advised to complete and agree to all terms and conditions which has all fees associated with the services requestedMerchant proceeded to enter all of their business information and business owners information at the end of agreement merchant agreed to terms via digital signature embedded with their IP address **.***.*.***Agreement available upon requestMerchant account was approved, account number was issued and credit card reader was sent out On April 2, merchant installed equipment and ran a test transaction and continued their service As a courtesy to the merchant we can terminate the merchant agreement and waive the termination fees as long as merchant returns equipment SN: [redacted] to the address below in good and working conditionNo refunds will be issued for for any fees already billed as services were requested, provided, installed and actively usedWhen returning equipment please retain tracking information for your own records MAS Returns

In response to this merchants complaint, below we will list out a timeline and chain of events that took place within this particular scenario if effort to provide clarity and closure to this claim On 9/22/at 11:AM PST merchant called in for merchant quote, and applied for the services in questionMerchant acknowledges providing pertinent information to be entered in prior to application submission, these steps include but are not limited to Business Name Principal Owner NameFederal Tax ID #Social Security Number Expected Processing Volume Checking Account Number Bank Routing Number Our application process is very clear, concise and requires acceptance by the applicant in each step of the process, the final step is a set of terms, this section provides all important details in regard to the terms, conditions, pricing and structures for each respective applicationAll items listed in question via the complaint detail is available at that point and view-able prior to acceptance of the terms listed in our agreements, merchant was directed to our online application to accepts termsThere is full and complete disclosure included with all of our applicationsApplication was signed with digital signature that has the following IP address embedded [redacted] from their Verizon mobile deviceInstallation of EPN Mobile App with a test transition was completed on September 24, Services were requested, provided, installed and usedIn closing the desired settlement requested is to have the account closed with no early termination fees, % of fees refunded for services rendered from September Merchant Account Solutions stands by its services, products and terms listed in our fully disclosed and completely transparent contracts at all times and while we feel that we have delivered the services requested to the best of our ability, we will waive the termination fee due to their misunderstanding of the terms provided as long as the equipment provided is returned in good and working condition to the address listed belowAccount will remain open until equipment is received and tested, any and all fees leading up to account closure are valid as services were requested, provided, installed and usedNo refunds will be processed for monthly services during active state of account as it was in useMerchant Account Solutions would like to advise merchant in their future business ventures to always read and have full understanding of the terms provided for services they are requesting to avoid confusion such as this EPN Serial Number [redacted] MAS ReturnsREF#

Our Application process is very clear, concise and requires acceptance by the application in each step of the process, the final step is a set of terns, this section provides all important information details in regard to the terms, conditions, pricing and structures for the respective applicationALL items listed in the complaint detail are available at that point and view-able prior to the final acceptance of terms listedThere is a full and complete disclosure included with all of our applicationsCancellation procedures were provided as well as copies of their merchant agreement that had their digital signature embedded with their IP address have been providedIf the merchant chose to not read through terms provided and proceed to agree to them without having a full understanding Merchant Account Solutions offer stands to waive the larger portion of the termination fees($350) to assist with the merchant neglecting to read the termsIn closing in order to assist the merchant in their confusion we will waive the larger portion of the termination fee of $and the merchant will be responsible for the remaining balance of $and any and all fees accrued and leading up to termination per the services requested and providedMerchant Account Solutions stands by its services, products and terms listed in our fully disclosed and completely transparent contracts at all times and while we feel we have delivered services requested to the best of our abilityPlease contact ###-###-#### for further assistance if there is any questions regarding the agreement provided

Product works just fineCuster service is excellent and very well knowledge on product