Merchant Account Solutions

Review: Hello- I signed up with these people under a verbal sales lady named maria assuring me that it was 4.99 a month/1.5% a swipe. That's it, that's all. No hidden fees, no contract, no back out fee. After noticing all of my money was not being deposited and trying day after day to get a hold of these people a guy by the name of Ben told me about some bogus accounting fees, batching fees, high risk account (?) Fee.....all things I was NEVER told about or even understand. I said I want to close my account and he told me it would cost $545. I told him absolutely not and that this was never told to me. He asked for my email with my contract so he could verify that this was not part of the deal. So I went back to look for the email that maria had sent me to set up my account. It turns out as I was going through the application process, (assuming there would come a part where it explains the details of my contract) it never actually took you to that or ran over it...so there is nothing...and that's their trick. They hope I don't catch on in that moment, and I didnt. They say they had and electronic signiture...Uhhh.what no. I asked THEM if I could see the contract that I signed, and they provided me nothing.Desired Settlement: I would like a check for all money's owed to me and an apology and a change in business practice.

Business

Response:

Unable to locate merchant account with information provided (contact name and email), please provide accurate information such as Doing Business As name (DBA), Location Address/phone number, Merchant ID number, and Business Owners Name.

Business

Response:

We were able to locate merchant account information by other means but not by the information that was provided to the Revdex.com. We have received the equipment in good and working condition as a courtesy the account is now closed June 16, 2016 and termination fees of $645 dollars were waived and they were released of 94.44% of the financial responsibility of the 3 year agreement the merchant agreed to via digital signature which was embedded with their IP address [redacted]. Merchant was also mailed a welcome packet with all the programs guides and terms. No refunds will be processed as service were requested, provided, installed and actively used. Merchant Account

Solutions would like to advise business owner for the future to always read all

terms and conditions provided to them and have full understanding before

signing anything in order to avoid any misunderstandings for their business.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10655733, and find that this resolution is satisfactory to me.

Review: I contacted them about services. The man who was my "client representative" B[redacted] asked me if I would have him do my application over the phone. He said it was easier that way. I made it clear to him that I only wanted a service type that had no hidden fees or costs and he assured me that there were only fees charged if I took a credit card payment from a customer. I asked him, point blank, about "no fees unless I use the credit card payment services". I have not used the service at all for anything! I called to ask why I had $35 taken out of my bank account this month and was told it was "fees". I couldn't believe it!! When I asked about canceling it I was told there was a $450 charge to do that!I received no contract after doing this "application" over the phone with B[redacted]. I was emailed a contract today from C[redacted] which states there is a $350 fee to cancel within the first year. Would never have agreed to the terms of this contract if I had been told of the fees or if I'd received a paper copy of it!! I would like to cancel my services with them for NO COST TO ME!! Their representatives SHOULD NOT tell people over the phone that there are no fees whatsoever unless you take a customer's credit card!! That is giving out false information!!Desired Settlement: I would like for Merchant Account Solutions to cancel my services at NO COST OR FEES to me or money taken out of my bank account!!They should honor what the representative, Bryan Pelto, told me that there were no fees or charges unless I actually used the credit card service.

Business

Response:

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 9/22/2015 at 11:16 AM PST merchant called in for merchant quote, and applied for the services in question. Merchant 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 NumberOur 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 application. All 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 terms. There is full and complete disclosure included with all of our applications. Application was signed with digital signature that has the following IP address embedded [redacted] from their Verizon mobile device.Installation of EPN Mobile App with a test transition was completed on September 24, 2015. Services were requested, provided, installed and used. In closing the desired settlement requested is to have the account closed with no early termination fees, 100 % of fees refunded for services rendered from September 2015. 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 below. Account 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 used. No refunds will be processed for monthly services during active state of account as it was in use. Merchant 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 3[redacted]MAS ReturnsREF#15749

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10950903, and find that this resolution is satisfactory to me.I mailed back the equipment yesterday and suppose I will get a response from them about the closing of the account after they receive it.

Review: I downloaded a merchant app on my phone. I thought it was for merchant services with my US bank. After the download, a merchant service person called me to set up my account. I asked the man about fees and I was told there were no fees. I told him I would be only using the card swiper a couple times a year and therefore did not want to pay fees. I was never told about fees or 2 year contract. The man told me he would send out a card swiper. I told him that I didn't need one because my banker had already sent one out. I asked him if this was the right merchant services because I didn't need 2 card swipers. He insisted that one be sent. I told my banker what happened and he said that I downloaded the incorrect merchant services. So I deleted the wrong app, sent back the wrong card swiper and forgot about it. I forgot about it because I left messages and emailed the guy that helped set up my account and he never replied. Then I received a charge on my account. That prompted me to call the merchant. I find out that I was given a 2 year contract and if I don't charge a certain amount each month, the account is charged $32.90. I tried to close the account and was told it would be $545 charge. I don't want this to affect my credit. the bank account that is associated with the card swiper is to help my friend in Africa take care of Orphans. so I decided to work with the company and the rep brought the contract from 2 years down to 1 year and the monthly fee to $4.95 if $15 is processed each month on the card swiper. The rep said its expensive to set up an account and therefore the $545 would have to be paid to cancel the account. I appreciate the decrease in contract and fees but I feel the company could use better customer service. I was told I signed a contract. I am still waiting to see the contract. If I have to deal with this company for a yr bc I downloaded the wrong app and was told there were no fees, then I will, but hopefully their customer service improves.Desired Settlement: I would like the account closed without paying a fee of $545.

Business

Response:

This

case has already been addressed outside of the Revdex.com. Monthly service fees have

been reduced as well as 66% of contact has been released. Merchant has agreed

to new 12 month term and discounted monthly services fees.

Consumer

Response:

Review: 10826512

I am rejecting this response because:I was waiting to hear back from the company because I have yet to receive the card swiper. So basically its ok for customer service reps to lie. Now I have to pay $20 a month for a year for a company.... and I have yet to receive the card swiper and the contract that I supposed signed initially.

Regards,

J[redacted]

Business

Response:

As Stated by the Business. This merchant concerns are they were not provided with equipment according to their last response nor agreement copies, please find below tracking information where the original equipment was delivered on 07/24/15 then returned on 09/09/15, merchant had equipment in their possession for almost 2 months before deciding to state they never received it. Also agreement copies were also mailed out during the inception of the services. Merchant Account Solutions has provided the merchant with the services they requested. Merchant proceeded to install the mobile application on 07/21/15 and did a test transaction. Merchant called in September wanting to discontinue their service and was offered to cut their monthly service fees by 55% and reduce the agreement of 36 months to 12 month, which releases them from 66% of the financial responsibility of a 3 year agreement. Merchant agreed. The merchant is able to process credit cards as form of payment via the mobile application they have installed without needing the additional free mobile swiper by manually entering card holders information. Best Regards, [redacted] Operations Manager

Review: I downloaded the "cash Register" app on my IPhone mistakenly thinking it was the "square" app. Downloading the app was free. They did ask for my bank information but I thought that was to deposit the funds I would be charging my customers. From what I understood Square does not charge monthly fees or requires a contract. (Again I was under the impression I was downloading square, I just wasn't sure at the time what it was called) I do not recall this "cash register" app informing me of monthly fees or termination of contract fees or that I was now under a 3 year contract. Or I definitely would not have agreed to that. I should mention that in order to use this service you need a credit card swiper which attaches to your cell phone. This is so that small businesses can charge their customers. A few weeks later I noticed a charge to my bank account for $30 or so dollars. Not recognizing what it was I had the charge removed and disputed. I then began receiving emails from Merchant account solutions. I called them and was informed that I had "by downloading the app" agreed to a three year contract, monthly deductions from my bank account or I would have to pay a $540 approx early termination fee. I was confused because I hadn't ever even received any equipment to even use this service, nor did I even want the service anymore because the small business I was planning on using it for fell through. Yet the man I spoke to on the phone an Anthony Hererra, still insisted that I would have to pay them. He even acknowledged that many people he spoke to made the similar mistake of thinking their app was "square" . Yet he refused to see my innocent mistake as just that and terminate any contract. He then acted as though he was doing me a favor by only tying me to a 1 year contract at around $20 a month. He threatened that his company would just continue to change the numbers with my bank so that either way they would get their money. This is extortion. I've never used their service or even received equipmentDesired Settlement: I want this company to terminate any contract. Stop harassing me for money or exorbant termination fees, stop trying to extort money from me for a service that was never used.

Business

Response:

This Case is being dealt with outside of Revdex.com.

Business

Response:

At this time the account has been shut down due to non-payment merchant has a collection balance due and as well as is scheduled to be billed their termination fees for not completing the revised agreement, we have several email communications with this merchant where we have lowered their monthly service fees as well as their merchant agreement from 3 years to 1 year and merchant agreed.

Review: I ]ust recently filed a complaint to get my account canceled through Merchant Solutions. The agreement was, when I send the items back that my account would then be turned off. I returned the items a few weeks ago. They are now trying to charge me a monthly fee. The charge is $14.95, which is lower than the previous fees. When asking Anthony Herrera from Merchant Solutions why they were still charging me I was told "because of the process of the account deactivation. -Note, the items have been returned and I still have never used there services- I put a stop payment to the transaction for my account. So they are no longer able to charge me.Desired Settlement: I ask that no charges be sent to my account and that it is deactivated immediately now that the equipment is returned and for all of my information to be deleted permenatly from Merchant Solutions.

Business

Response:

This case is in reference to 10662358. Merchant's equipment was received on June 16th, 2015 and the account is currently in process of closure, account cancellation may take up to 30 days depending on the billing schedule. Merchant is responsible for June Fees as account was active for the month of June. Please be advised that we bill back, merchant will be billed for June fees in the beginning of July but will no longer accrue fees after that.

Consumer

Response:

Review: 10689602

I am rejecting this response because:I can not be billed for never using this service it needs to be processed and shut off with no more monthly charges the company has already stole money from me when I have never used there services or even opened the box the equipment was in and I can not be charged for not even using the equipment the first complaint was sent before June 1st and the recent complaint states if my equipment was returned it would then be deactivated

Regards,

C[redacted]

Business

Response:

On June 8, 2015 merchant submitted the case 10662358 below and was advised to return equipment and termination fees will be waived(See text in RED below). Equipment was received via USPS 9[redacted]481 on June 16th and was processed for closure on June 26th with no termination fees. Any fees accrued for the month of June are valid as again per previous response "This case is in reference to 10662358. Merchant's equipment was received on June 16th, 2015 and the account is currently in process of closure, account cancellation may take up to 30 days depending on the billing schedule. Merchant is responsible for June Fees as account was active for the month of June. Please be advised that we bill back, merchant will be billed for June fees in the beginning of July but will no longer accrue fees after that"

Review: After downloading their app I was contacted by a sales person who told me some info about their company and started the process of signing me up.I then went through another person to finish signing me up because it didn't work the first time. About a month after signing up I noticed there was a charge to my bank account for $22.90. When I called the company to inquire about the charge they told me that was the monthly fee to be a part of their company. I expressed to them that I was unhappy at not being told by either person on the phone about this charge and was told that I agreed to it by signing up(even though I was never told about it). I asked to then be removed from their company because I did not want a recurring monthly charge. I was told that the only way I could leave their company is by paying a fee of over $500. I have since called again and had to leave a message, I asked to be called back about this matter to hopefully get this worked out. I never received a call back. I feel this is a way for this company to scam people out of their money, they back you in a corner and tell you there is no way out. My account has since been charged another fee of $20.86.Desired Settlement: I would first like to be removed from this company so that no further charges get charged to my account. Second, I would like reimbursed for the second charge to my account because I feel I made it very clear to them that I was not okay with these charges and wanted to try to get the situation resolved.

Business

Response:

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 requested. Merchant 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 **.[redacted].*.[redacted]. Agreement available upon request. Merchant account was approved, account number was issued and credit card reader was sent out On April 2, 2015 merchant installed equipment and ran a test transaction and continued their service.

Review: I saw that money was coming out of my account, so I called the company. I was told that if I did not pay 578.00 dollars for a termination fee they will take as much as they want every month. I was originally told that they take less than two percent of each transaction. After telling me they will extort me they then proceeded to tell me how worthless my profession was and mocked me in horrible ways.The manager A[redacted] called ME and harassed me. I felt very threatened by A[redacted]'s confrontational attitude and behavior. I am a type one diabetic with epilepsy the stress of this situation has harmed me. When you sign up for their merchant services, you are unknowingly locked into an agreement through which they can take any sum they like from your associated bank account. I was unaware of this until after they took a large amount of money from my account. They started out by charging me small amounts, and because it appeared like a regular debit, I did not realize they were charging me.It was not until they charged more for some claim (such as you did not complete a survey), that I finally noticed money had been coming out of my account I was able to trace several months of debits they had been taking from my account.When I explained to them that I had never agreed to purchase or use their service, they refused to rectify the situation. Again, I never agreed to purchase their services or any of their terms.Desired Settlement: I want my money back for every amount they have removed from my account including: 6/30/15-$5.83, 7/1/15-$19.95, 8/31/15-$19.95, 9/30/15-54.85.I would also like them to remove all account information they have on me, and agree to not contact me, or pursue further action.

Business

Response:

In

response to this merchants complaint, details provided by Mr. B[redacted] reflect

conflicting and false information, 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 6/1/2015 at 9:27 AM PST merchant downloaded our Mobile

Application Credit Card Reader, unsolicited and applied and completed

application on 6/1/2015 at 11:02 AM PST for the services in question. Mobile

App 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 application. All 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. There is full and

complete disclosure included with all of our applications. Merchant indeed

request services, if they did not how is it possible we have obtained the

business information? How did they proceed to accept delivery of the equipment?

How did a test transaction on June 4th, 2015 get completed? Application

was signed with digital signature that has the following IP address embedded [redacted],

and proof delivery listed below.

General

IP Information

IP: [redacted]

Decimal: 18[redacted]22

Hostname: 107-138-218-134.lightspeed.miamfl.sbcglobal.net

ASN: 7018

ISP: AT&T U-verse

Organization: AT&T U-verse

Services: None detected

Type: Broadband

Assignment: Static IP

Geolocation Information

Continent: North America

Country: United States us flag

State/Region: Florida

City: Deerfield Beach

Postal Code: 33441

Proof of DeliveryTracking Number: 1ZR078W[redacted]27Service: UPS GroundWeight: 1.00 lbShipped/Billed On: 06/03/2015Delivered On: 06/10/2015 7:18 P.M.Delivered To: COCONUT CREEK, FL, USSigned By: S[redacted]Left At: Residential

Merchant’s

exaggeration of extortion, harassment and alleged threats is downright false

and complete defamation of our companies continued merchant support to all of

our existing customers who have received nothing but the best service on their

accounts. It is unfortunate that a merchant must make false accusations and

provide conflicting information in order to achieve a desired resolutions.

In

closing, the desired settlement requested by Mr. B[redacted] cannot be granted.

Despite the inaccuracies of the detailed complaint Merchant Account Solutions

agrees to close the account as a courtesy to their misunderstanding of the

terms and conditions they agreed to for the services they requested, we will

release the merchants financial responsibility from their 36 month contract and

cover their Termination fees of $645.00 as long as the equipment provided is

returned to the address listed below. ANY fees accumulated during the active

state and leading up to equipment being received for closure are valid as

merchant has used the services provided. In addition Merchant Account Solutions

will not pursue to file any reports of the merchants emotional, life threats

and defamation they have done to our employees and our company during the time

we were trying to assist with their confusion.

EPN

Serial Number 3[redacted]

MAS Returns

Reference number: 00220

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10940561, and find that this resolution is satisfactory to me.

Regards,

S[redacted]

Review: My company had an account with Integrated Card Service for approximately three years. We decided to cancel the service in October of 2015. They required us to submit a "close merchant account request form", and to ship the credit card machine to them which we did on October 21st 2015. In December, ICS charged us $32.90, so we contacted them to request a refund and spoke with A[redacted]. A[redacted] informed us that we were charged minimum fees for November because our account was in open status and we had not made any transactions for the month. We explained that as instructed by ICS, we had submitted the cancellation form and returned the equipment on October 21st. A[redacted] then said that it was a timing problem. He said that it takes between 21 and 30 days after the cancellation form is received before the account is closed out. Since that time period went into November, we owed the minimum fees. We explained that we had returned our equipment at ICS's request and that we could not have conducted a transaction in November if we wanted to and therefore we should not be charged. We added that the cancellation form had no such information about a 21 -30 day delay before the account would be close and we were not informed while on the phone. A[redacted] informed us that the form did not have to have that information. We told him that was misleading not to inform us of the delay or subsequent charges and it was not our problem that it takes ICS 21 - 30 days to close our account. A[redacted] again refused a refund. We stated to him that we would never use ICS's services again, he said that looking over your 3yr account volume, that will be of little consequence to us. He further stated that I had a problem with the word NO. He said that he has the power to push the button but he chooses not to.

I was shocked when I heard this. I have been in business for over thirty years and I have never been talked to in this manner by a representative a business. Totally unprofessional, condescending and rude!Desired Settlement: Total refund.

Business

Response:

Merchant failed to complete proper closing procedures. Merchant was advised to return both equipment and closure request form together. Closure form was received on October 27, 2015 with out equipment . Equipment was then received and sent for testing in November. Any fees accumulated during the active state of the merchant account whether transaction have been run or not are valid, merchant still had service available. Accounts has been closed and no other fees have bee accrued, no refunds due for service rendered.

Consumer

Response:

Review: 10989533

I am rejecting this response because: The business's response is inaccurate. The following is what transpired in this matter: On 10/21/2015, we contacted the business by phone to close our account with the business. We were instructed to fax the closure request form and to return the equipment. The form was faxed to the business on 10/21/2015, the equipment was packed along with a second copy of the closure form and was picked up by USPS on 10/22/2015. Now, it takes about five minutes, tops, to receive a one page fax. The equipment, with the closure form in the box, was delivered to the business on 10/24/2015, verifiable by tracking number [redacted], So, the business's statement that they did not receive the form until 10/27/2015 without the equipment is totally inaccurate. They received a copy of the form on 10/21/2015 by fax and another copy along with the equipment on 10/24/2015. We can supply paper work to verify this statement if necessary. We should not have been billed for anything in the month of November. We are due a refund.

Regards,

R[redacted]

MESSAGE FROM BUSINESS:Merchant failed to complete proper closing procedures. Merchant was advised to return both equipment and closure request form together. Closure form was received on October 27, 2015 with out equipment . Equipment was then received and sent for testing in November. Any fees accumulated during the active state of the merchant account whether transaction have been run or not are valid, merchant still had service available. Accounts has been closed and no other fees have bee accrued, no refunds due for service rendered.

Business

Response:

Apologies. Dates are off. Package was received at Parcel Box on Saturday 10/24/15 (office closed), however packages were not sorted until 10/27/15 when the offices were open. As advised on closure email with closing procedures both closure form an equipment must be received in order to proceed with closure, there for the form received on 10/21/15 was incomplete(no equipment) and does not initiate the closing process until all requested docs and equipment is received, once again all this was provided to the merchant and explained. Per agreement merchant must submit closure request 30 days prior to contract end date for processing. It takes 30 days to process proper closure and to ensure no future billing, per agreement program guide section 23.1 (link below) provided during the inception of the merchant account. No refunds due per agreement and services rendered. Agreement has been completed and no additional fees are due. Please read all terms and conditions provided to avoid any additional confusion

Review: Hello I was look for a credit card reader for my business. I bought one on eBay so called the company that I thought was with the reader that I bought. Called asked to speak to representative I told them about the reader I bought on ebay they said that's great. They started out say they need my info to get approved. After getting all my info , he started to tell that I need there reader.then realized that this is not the company I was trying to call I said I dont want this. They said, well let send some info to look over if you chage your mind .so at that point I thought I stiil had to authorize it. at that I still didnt realize they had me signed up is after they got all my info and they had my swipe the screen they said to authorize the info search did r.ealize I signing a very expencive service I dont need. They say I'm in 3 year contract and have pay 500.00, to get out of it. I had my bank dispute it and they refunded 7.90 but sent a letter saying I owe 25.00 late fee.I feel I was mislead into signing this contract the manner refused to let me off. So they have my bank account info and can take money out . Im not sure how reputable they are. I realy feel tricked into a ip adrees signing . I still dont have copy of contract they will tske 30 days to get to me. They also said that I would save money and the fact is they way higher .Please help.Desired Settlement: I want out of contract they have with me also a refund.

Business

Response:

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.

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 application. All 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. There is full and

complete disclosure included with all of our applications. Application was

signed with digital signature that has the following IP address embedded 174.131.43.119.

General

IP Information

IP: ###.###.##.###

Decimal: 29[redacted]927

Hostname: h119.[redacted].174.dynamic.ip.windstream.net

ASN: 7029

ISP: Windstream Communications

Organization: Windstream Communications

Services: None detected

Type: Broadband

Geolocation Information

Continent: North America

Country: United States us flag

State/Region: Florida

City: High Springs

Latitude: **.8323

Longitude: -**.5854

On

08/03/15 at 2:10 PM PST merchant downloaded our Mobile Application Credit Card

Reader, and applied and completed application on 08/3/15 at 2:33 PM PST for the

services in question. Mobile App 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

Services were requested, provided, installed. In

closing the desired settlement requested is to have the account closed with no

early termination fees and all fees refunded. 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. Any and

all fees leading up to account closure are valid as services were requested,

provided, installed and used. No refunds will be processed for monthly services

during active state of account as it was in use. Termination fees have been

waived and account is currently closed due to non-payment. Any fees owed in

collections are valid and must be paid for to avoid further escalation.

Merchant 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

Review: I was contacted by M[redacted] from merchant account solutions who gave me a sales speech comparing their company to square merchant assuring that I will save half the money by processing credit cards with their company I have asked all the questions including the fee charge for each credit card transaction which M[redacted] said it will be a flat rate of 1.5% no matter what credit card is used. I signed up understanding that I will pay $4.95 a month plus 1.5% per transaction. The first transaction of $6000 they charged me 4.8% which amounted to $290. I called to cancel the account and instead of taking responsibility for their action and offer some apology they wanted to charge me $540 to close the account. I think this business is a sham and shouldn't be able to do business in Los Angeles county. I've had numerous different merchant accounts and I've never encountered such stealing tactics. Please look into this. Thank you. It will help if you ask for the recording of the first couple of phone calls from M[redacted] to validate everything I have said.Desired Settlement: I would like to make sure to refund my account the difference and make they close my account without charging me a fee.

Business

Response:

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 6/16/15 merchant was contacted by Merchant Account

Solutions to offer lower rates and monthly service fees based on the merchant’s

monthly credit card processing volume. On the same day merchant submitted

Merchant Processing Application for the services in question. Application

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 application. All 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. There is full and complete disclosure included with

all of our applications. Application was signed with digital signature

that has the following IP address embedded 74.[redacted]93.

Merchant was approved based

on the volume they had requested. Merchant has failed to adhere to the monthly

volume they requested and agreed to. Merchant Account Solutions will waive the

termination fees associated to the agreement due to the merchant failing to

comply with the terms agreed upon, as long as the equipment provided is

returned in good and working condition to the address listed below. Merchant 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. No refunds will be processed as services were provided,

installed and actively used.

EPN Serial Number: 3[redacted]

REF# 02804MAS

Returns

Review: When signing up for this merchant service I was never told about any contract, and I was told that I would be charge no a monthly if I used the merchant service as much or little as I wanted. . After receiving a bill for 1 month, I called the company to dispute it and spoke with A[redacted] and was I was in contract and that rep that set no longer works there I explain way would I go from pay nothing a month to signing up and giving away money on a monthly basis, I did back feb.2015 and to this date I haven't uses the service, I thought I was saving penny boy did surprise me I have talked to corney myers and was told that A[redacted] is the only talk and the owner WILL NOT with at if they go and I don't swipe like that I was using square before them no monthly fees but the rep made it sound goodDesired Settlement: I would like for them to close this account with me getting penalize... I know they are not going to refund account just of their attitude.. but I would be thankful for them closing it

Business

Response:

This case has been addressed outside of the Revdex.com, Fees have been lowered by 50% and 66% of financial liability of the 36 month contract has been released. 1 year agreement scheduled to end on February 25, 2016. Merchant agreement has been provided to the merchant.

Review: In May 2015 I thought I was getting the Square from the App Store and instead was signing up with Merchant Account Solutions. I recall getting a phone call fairly quickly from a Christopher as well as a bill in the mail for $32.90. I called him to close the account. I kept getting this statement every month for -32.90 and disregarded it because I had closed my account and couldn't figure out why they would be putting money in my bank account (which I knew they weren't any way). That's how I interpret a charge of -32.90. Then I just received a bill for -52.85 this month and finally realized all this time that they've been taking money out of my bank account without my knowledge or permission! I have record of them withdrawing 32.90 on both July 3 and Aug 3 and $52.85 on Sept 2. On Sept 16 I called the number on my statement and spoke with Sharon and told her I want my account closed. At that time I didn't realize they were taking money out of my bank account. She said I should hear from someone within 48 hours. That same day, I came to that realization and sent an email to the company requesting that my account be closed and my money refunded since I had requested the account closed in June. I got a reply to call that same 800 number. Today I called that number and was told to call a different number which is closed since it was after 5 pm. I am getting the run-around and want my account closed immediately and my $118.65 refunded. I also want assurance that they are not defrauding me in any other way. p.s. The reason I didn't know they were withdrawing money from my bank account is because on my bank statement it said "Bankcard MTOT Artist" and I thought it was something else. Everything about this company is shady and underhanded and I feel that I am being disrespected and scammed.Desired Settlement: As I said, I want my account closed immediately and the $118.65 refunded.

Business

Response:

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

5/17/2015 at 9:49 PM PST (offices are closed) merchant downloaded our Mobile

Application Smartswipe and applied for the services in question.

Ms.

Long complaint detail reflects conflicting information, she downloaded our app

with the expectation of us being similar to a different organization, (which

may be the original issue) notwithstanding, the complaint listed many details

but left out a few important steps during the application process - for

instance, our Mobile App 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 application. All 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. There is full and complete

disclosure included with all of our applications. Application was signed

with digital signature that has the following IP address embedded

166.178.187.47 via their AT&T wireless device.

IP: 166.176.187.47

Decimal: 27[redacted]11

Hostname: mobile-###-###-###-##.mycingular.net

ASN: 20057

ISP: AT&T Wireless

Organization: AT&T Wireless

Services: None detected

Type: Wireless Broadband

Assignment: Static IP

Blacklist: Blacklist Check

Geolocation Information

Continent: North America

Country: United States us flag

State/Region: Oregon

Latitude: 45.#### (45° 31' ##.##? N)

Longitude: -122.#### (122° 40' ##.##32? W)

In

closing the desired settlement requested by Ms. Long is to have the account

closed with no early termination fees for services rendered from June 2015 and

all fees refunded from inception. 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. Any and all fees

accrued during the active state valid as services were requested, provided, and

installed. Account will be closed at the end of the billing cycle (9/30/15) and

no refunds will be issued. Merchant 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.

Consumer

Response:

Review: 10822344

I am rejecting this response because:

I contacted them in June to close the account and should never have been charged. This business uses misleading business practices.

Regards,

F[redacted]

Business

Response:

Proper closing procedures were not requested in June, nor any communications placed to our company until September 16, 2015. Merchant has provided conflicting information . In closing the desired settlement requested by Ms. L[redacted] is to have the account closed with no early termination fees for services rendered from June 2015 and all fees refunded from inception. 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. Any and all fees accrued during the active state valid as services were requested, provided, and installed. Account will be closed at the end of the billing cycle (9/30/15) and no refunds will be issued. Merchant 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.

I signed up for this service in Dec of last year. I live in Alaska. I had a small business, just me as the sole owner and no employees. I thought it would be great to take credit cards! I signed up and got CC reader for my Apple device. Then my company went under two months ago and I closed my doors. I called Merchant Account Solutions and they helped me by cutting down my early closing fee. Anthony was very helpful. This is a good company. I would recommend them to anyone! Ask for Anthony, he was very knowledgable and helpful!

Review: P[redacted] Was the guy who I talked with when ordering their card reader for my business. He said they are cheaper than Square card reader. They said around 1.10 % square is 2.75% it started when I got it and couldn't adjust the tip price.. Then I called again when I got my first statement in July ( from June ) there were a ton of fees ...fees square never charges even. So I complained and they said no problem as I was right the fees all added up to above 4 % they said we'll refund you money back. I told them " I'm not using it until I see my refund in my acc." In August, I get another statement ..more charges ! And no refund. This time it took days before they answer my calls. Finally got them a guy named Anothy( not very nice) he told me basically too bad.I said I'm sending your c. Reader back and cancelled me! He said find that will cost me 549.00$. What ! I never was told any of this nor would I EVER agree to that. I have called many many times P[redacted]. But he has never returned my phone calls once they knew I am not happy at all. Then in my attempts to reach Patrick Anothy answers ,he's the one who said I mush pay if I want to quite service, he said I signed a contract( I do not believe I did and I sure NEVER receive one! I asked for proof..he said it would take at least 30 days to send. No way I asked if it could be emailed now , again he said that takes 30 days ! I went to my Wells Fargo bank as they said they were associated with them. My banker made a call to their customer service and they never herd of them. Then he called the merchant Account solutions directly, talked with Rick ( who always takes the calls and then directs them to the others ) as my banker tried ask him questions about their company he ( Rick ) hung up on him. My banker said these type of companies are fraud and common. So he said to report them. Please help me not have to pay this huge amount of money I never told me about or agreed to hidden fees, cancellation costs,and no contract!Desired Settlement: I would like to end this without paying this money 549.00 They never told me about ( they have already taken 2 months worth which they even admitted they way over charged me and needed to refund me and NEVER did. Liars and cheats, Cheating people by not telling the facts and truth. I am a professional business person doing serval businesses for over 37 yrs. never , ever have I had a problem like this with any company ! Oh,I told them I would turn them in to Revdex.com , they laughed, said good luck

Business

Response:

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

6/09/2015 at 7:39 AM PST merchant downloaded our Mobile Application Credit Card

Reader, downloaded and applied for the services in question.

As

mentioned by D[redacted] they were presented with an offer that would indeed

beat the rates presented by Square –0.39% Debit, 1.59% for basic credit cards.

This offer was based on the monthly volume of $10,000 that the merchant

provided during the application process, merchant was advised savings would be

significant if they processed more than $1,500. June monthly statement fee

reflected $31.52(2.83% not 4%) for card fees for transactions $1,112.85, which

was significantly less than what the merchant stated on their merchant

application. They were not offered a refund but in turn a reduction for

processing lower than volume requested. Monthly fees and credit card rates were

lowered to accommodate a lower volume.

Ms.

G[redacted] complaint detail reflects conflicting information, she downloaded our

app with the expectation of us being similar to a different organization,

(which may be the original issue) notwithstanding, the complaint listed many

details but left out a few important steps during the application process - for

instance, our Mobile App 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 application. All 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. There is full and

complete disclosure included with all of our applications. Application was

signed with digital signature that has the following IP address embedded

70.[redacted]4.246

General IP Information

Top of Form

Review: Downloaded an app, Cash Register, after receiving emails about costs, I tried to cancel and they wont let me without charging me. Said they wouldnt.

Downloaded the app, Cash Register, on/about March 24, 2015. Entered my information and it told me that someone would contact me to finish the activiation. On March 24, 2015, I received an email from Aaron G[redacted]. It stated the pricing details and provided

a link to activate the account. I gave it a day or so to think if I really needed the application. On March 26, 2015 I received an email that stated an update for the account. I also received an email from UPS that I was being sent a package. On March 27, 2015

I received an email from Joshua J[redacted] stating he would help me set it up. I replied to his email on April 1, 2015 stating that after seeing everything I have declined to use to application and that I was no longer interested. On April 2, 2015 Mr. J[redacted]

replied that he would send my file over to cancellation. And that they would call me to confirm. On April 7, 2015 I emailed Mr. J[redacted] to tell him that I had not received a phone call and that I was concerned and wanted to send their items back ASAP. He did not

respond to me at all. On April 8, 2015 I called Mr. J[redacted] and he transfered me to Anthony H[redacted], cancellation agent. Mr. H[redacted] was VERY rude with me and bullied me and yelled at me. He stated that I had one of two choices; I could keep the account and be

charged $22.90 per month or pay a cancellation fee of $545.00. He told me that I needed to learn how to read and that the terms and conditions states that I had 10 days to change my mind and that I was clearly past that. I informed him that I could read and

that I had been trying to cancel for weeks. I told him that it was on them that they kept shuffling me around and wouldn't help me. He then told me he did not care and that one way or another they would get my money. I hung up on Mr. H[redacted] and looked up

Mr. G[redacted]'s email, I called Mr. G[redacted] and asked for his help. I told him about my conversation with the cancellation department and he knew exactly who the agent was. He agreed that Mr. H[redacted] is a bully and has no customer service skills. He said that he

would help me and that he would have to get the approval from his supervisor. He asked me to call him within a few hours. He said in the meantime he would make sure that I was not charged a monthly fee. I was busy at work and did not get to call back. I emailed

Mr. G[redacted] to let him know. I figured I would give him a few days to get the approval from his supervisor. During the mean time I did receive an email from Mr. H[redacted] stating that I would have to fill out some paperwork and that they would charge my checking

account the $545.00. I relied to his email with the screenshots of emails and phone calls to try and cancel. He never responded to my emails. I did forget to call Mr. G[redacted] back, but then emailed him, again, on May 5, 2015; he did not respond. On Thursday,

May 7, 2015, my checking account was charged $22.90. I then contacted Mr. G[redacted] the next day, May 8, 2015, he said that the reason he had not contacted me was because his supervisor was on vacation and he couldn't get an approval. He said he would send her

and email right then and get an answer. That afternoon my husband said I received a bill from the company. I called Mr. G[redacted] AGAIN, he did not answer. So I called the main number on his email. I spoke with an operator who told me that their supervisor was on

vacation for 2 weeks and that no one could help me. I tried calling Mr. G[redacted] back several times, several emails. NO ANSWER. I just want this ended and my money back and not to be charged at all! Help me please. No one will help me and I have tried everything.Desired Settlement: I just want my $22.90 back and to be able to send their items back to them WITHOUT being charged $545.00 since they do have my bank account information. I am very concerned and very worried that they are trying to bully me into this.

Business

Response:

Hello, This case was originally sent over from the San Jose office CASE #419111 and has already been addressed.

Review: We have been billed from this company since April of 2015 but we did not receive the full services we were being billed for. We were supposed to receive a device in order to use the service but we never received it. We contacted the company in order to let them know but we still have not received anything to this day. We would like to completely cancel the service but they are still planning on charging us for the months of non-service and another fee for cancellation.Desired Settlement: No cancellation fee

Business

Response:

We have reviewed this merchant agreement and communications.

Review: When signing up for this merchant service I was never told about any contract, and I was told that I would be charge 4.95$ a month if I used the merchant service as much or little as I wanted. . After receiving a bill in the mail for 32.90$ for 1 month, I called the company to dispute it and spoke with Anthony Herrera and he tells me that I signed a three-year contract, that my monthly bill is 4.95 there is a regulatory fee of 2.95 and a 25$ fee for not reaching 1500$ of transactions in the month. I told him I was not aware of these possible charges when I signed up on the phone with Logan and that I want to be refunded and terminate my service. He said there is a 500$ fee for breaking my "contract" of which he had no proof of to speak of and said it was an Esigniture There never was a contract, I didn't sign ANYTHING or receive ANYTHING in my email or mail that says I did. Logan never told me about these fees when signing up.Desired Settlement: I would like send the card swiper back, get a refund on the 32.90 that they took from me, and cancel my membership WITHOUT any fee.

Business

Response:

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 requested. Merchant 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 request. Merchant account was approved,

account number was issued and credit card reader was sent out On April 20, 2015

merchant installed equipment and ran a test transaction. On April 30th merchant called in stating reader was not compatible, merchant provided us with incorrect smartphone model. Correct equipment was sent out free of charge with a return label to return other device. Services were requested, provided and installed.

Merchant Account Solutions

would like to advise business owner for the future to always read all terms and

conditions provided to them and have full understanding before signing anything

in order to avoid any misunderstandings for their business.

As a courtesy to the merchant we can terminate the merchant

agreement and waive the termination fees as long as merchant returns equipment provided SN: 3[redacted] and SN: 509t659772 to the address below in good and working condition. No refunds will

be issued for for any fees already billed as services were requested, provided,

installed. When returning equipment please retain tracking

information for your own records.

MAS Returns

Consumer

Response:

Review: I had recently downloaded an app on my phone to use a credit card swiper. It was something I didn't needed since already having PayPal and Square. But I thought since it was advertising as to be free and a low cost transaction fee, no hidden fees, no Contract, and no cancelation fees. So I thought I would downloaded and put my information in. Since it was stating on their Website that this was an "Application" anyways. So I figured whether I got approved or not, I didn't have to use it, and wouldn't be charged any fees if not using it. With not knowing if my business would be able to startup and go forward, I figured I didn't have anything to worry about. Well shortly after entering my info I received a phone call saying I was approved and wanted to make sure they had the correct address to send the swiper to for my phone. After a week I received the phone swiper , but no agreement or terms about prices, no paper work or anything in that nature. On 8-3-15 I was checking my checking account and noticed they charged my checking account $2.95 Then on 9-2-15 a charge of $29.95 ( $2.95 Regulatory Fee, + $2.00 Statement Fee, + $25.00 Min Discount Fee= $29.95) So I called Merchant Account Solutions and was told that I had Signed some kind of An " E-Agreement" with them when applying for phone swiper and app.??.... I even asked for them to send me or email the contract disclosures or anything they Said I Signed, but they NEVER Did because there aren't ANY!! They said I was signed up for 3 YEARS!That is LONGER than a CELLPHONE Contract!! And If I cancelled it would be $545.00....I NEVER SIGNED ANYTHING ! I NEVER USED this App or Swiper and was Charged these fees. This company is Scamming Businesses and Fraudulently adding in Fees and Contracts that you never agree to! I could understand if I used the app or swiper but I HAVEN'T Used IT.Desired Settlement: Desired Settlement would be Refunded 100% of Fees. I haven't used Any services with this company and DEACTIVATE My ACCOUNT and REMOVE me FROM Any CONTRACT I'm In. AND Not CHARGE $545.00 for CANCELING or any other FEES They COME UP With when they Receive the Swiper back which was mailed on 9-2-15 with tracking # 9114 [redacted] 6128 94 And Do not Sell my information and keep it private.

Business

Response:

In

order to address this merchant concerns we have reviewed their account

notations, communications and agreements.

On

7/09/2015 at 4:00 PM PST merchant downloaded our Mobile Application Credit Card

Reader, downloaded and applied for the services in question. Mobile App

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 application. All 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. There is full and

complete disclosure included with all of our applications. Application was

signed with digital signature that has the following IP address embedded

172.[redacted].132

General IP Information

IP: 172.[redacted].132

Decimal: [redacted]2

Hostname: cpe-172-[redacted]-132.carolina.res.rr.com

ASN: 11426

ISP: Time Warner Cable

Organization: Time Warner Cable

Geolocation Information

Continent: North America

Country: United States us

flag

State/Region: North Carolina

City: Salisbury

Latitude: 35.6[redacted] N)

Longitude: -80.5[redacted] W)

Postal Code: 28147

Installation

of EPN Mobile App with a test transition of $0.03 was completed on July 15,

2015. Services were requested, provided, installed and used. In closing the

desired settlement requested is to have the account closed with no early

termination fees, 100 % of fees refunded for services rendered from July 2015.

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 any and all fees leading up to account closure are valid as

services were requested, provided, installed and used. No refunds will be

processed for monthly services during active state of account as it was in use.

Termination fees will be waived as equipment provided was returned on September

8, 2015. Account will be closed at the end of the billing cycle for September (9/30/15). Merchant 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.

Review: I wanted to start accepting credit cards for my small business that I am starting. I spoke with [redacted]. From Merchant Account Solutions. He took my application and told me that the fee was just over 1%. I don't remember the exact number. The next day I called him back and told him I will no longer be starting the business so thanks but no thanks. He told me I signed a 1 yr contract and I need pay a fee to cancel . I said I never signed a contract and he never told me that there was a contract. He also failed to mention that there is a monthly fee as well!! I asked him why he did not tell me that information and he stated that his job is just to take the applucation! He knew there was a contract and a monthly fee and failed to mention that to me which is a total scam!!!Desired Settlement: I do want this service! I want out of this contract I did not know about. I shouldn't have to pay a termination fee or a monthly fee. I haven't even activated this account so I don't understand why I should pay for something that I will never use!! I was completely mislead by [redacted]. He should have to pay the termination fee!! I want out of this contract please!

Business

Response:

Consumer

Response:

Review: 10793685

I am rejecting this response because:The agent that helped was not clear when I asked him what the fees were. He did not mention the monthly fee or the contact. He also did not tell me that I was agreeing to a contract when I was filling out the application. And when I asked him when I found out there was a contract, I asked why he didn't tell me. His response was that it's not his job to let me know there is a contract. All he has to do I'd get me to fill out the application. I have done some research and I have learned through online reviews that this company does this alot. They suckered people into filling out the app not knowing it's a contract. I shouldn't have to pay for anything I haven't used! I didn't even activate my account.

Regards,

Review: On Aug 5th I received a statement showing a $32.90 fees charged to my business account so I called to find out what this was all about. I'm being charged an additional service fee because I'm not making any deposits into my account. The reason I haven't used my account yet since July is because there card reader equipment did not work with my equipment. Note, not my fault, it's there's and they knew it. I called back and was told I'd have to upload a new app and they will send me a new reader. Remember I'm still being billed a service fee. So I get the new reader in the mail last week and try to set it up to use it this one also does not work. So I called them today and now I have to find another phone to call them on in order to trouble shoot the problem. I called the sales rep that signed me up and had to leave a message with no return call. I know I will be billed another $32.90 soon and still have not been able to use the reader or service. How can they be charging my account when it's there problem with equipment? I was told by another rep that if I cancel this service the merchant company will withdraw $545.00 from my account. Can they do this? Also, when I signed up I told them I'm a 6 month business, May - Oct, B[redacted] said no problem, now I find out I will be billed each and every month. Have you had issues with this company? Rather ex plane on the phone.Desired Settlement: It's very had at this point to trust this company. I would like to close out this account with out penalty especially since I was never told that by my rep before I sign up.

Business

Response:

In

order to address this merchant concerns we have reviewed their account

notations, communications and agreements.

On

06/11/15 at 11:24 AM PST merchant was contacted by our company to offer lower

rates for their credit card processing. Mr. K[redacted] was given a quote based on

their established processing volume and business type. Merchant 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 application. All 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. There is full and

complete disclosure included with all of our applications. Application was

signed with digital signature that has the following IP address embedded [redacted]

General IP Information

IP: [redacted]

Decimal: 161[redacted]0

Hostname: [redacted].dhcp.trcy.mi.charter.com

ASN: 20115

ISP: Charter Communications

Organization: Charter Communications

Services: None detected

Type: Broadband

Assignment: Static IP

Blacklist: Blacklist Check

Geolocation Information

Continent: North America

Country: United States us

flag

State/Region: Michigan

City: Traverse City

Latitude: ##.#### (##° ##' ##.##? N)

Longitude: -##.#### (##° ##' ##.##? W)

Postal Code: 49686

Installation

of Smartswipe App with a test transition of $0.03 was completed on June 17,

2015. Services were requested, provided, installed and used. Merchant experienced

compatibility issues on August 28, 2015, was trouble-shot and a replacement was

sent and it was also installed. Merchant did place several calls to tech

support and received proper assistance and never encountered any issue to use

device per our records and transaction history.

In

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. Termination fees will be waived as long

as the equipment (2 mobile readers) provided is returned in good and working

condition to the address listed below.

Merchant 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.

Shuttle

Reader Serial Number: 509t6[redacted]2

EPN Reader Serial Number: 3[redacted]83890

MAS Returns

Ref # 01**7

Consumer

Response:

I have reviewed the response made by MAS in reference to complaint ID 10821408, and find that this resolution is satisfactory to me. Additionally, I will return both readers to MAS returns Ref # 01947. Note: In the future Merchant Account Services should enplane all of the ramifications about cancellation fees, monthly fees if you don't use the equipment. We need to know the reason there transaction fees are less then most is because they make it up in monthly fees which were not explained at any time. I will return both readers to MAS returns Ref # 01947, certified signature and I will report back to the Revdex.com that all termination fees were waive or not. Thank you for taking the time to review and help correct this issue.

Regards,

[redacted]