Merchant Account Solutions

In
order to address this merchant concerns we have reviewed their account
notations, communications and agreements
On
03/2/at 7:AM PST merchant downloaded our Mobile Application Smartswipe,
and applied and completed application
on 3/2/at 7:AM PST 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 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 applications. Application was
signed with digital signature that has the following IP address embedded
98.***
General IP Information
IP: 98.***
Decimal: 16***
Hostname: c-98-***213.hsd1.ca.comcast.net
ASN:
ISP: Comcast Cable
Organization: Comcast Cable
Services: None detected
Type: Broadband
Assignment: Dynamic IP
Blacklist: Blacklist Check
Geolocation Information
Continent: North America
Country: United States us flag
State/Region: California
City: Rohnert Park
Latitude:
Postal Code:
Installation
of Smartswipe Mobile App with a test transition of $was completed on March
23, Services were requested, provided, installed and usedIn closing the
desired settlement requested is to have the account closed with no early
termination fees and all 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 provided 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 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
this
Smarswipe
Shuttle Serial Number: 433***
MAS Returns
Ref#

In
order to address this merchant concerns we have reviewed their account
notations, communications and agreements
On
7/09/at 4:PM 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 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 applications. Application was
signed with digital signature that has the following IP address embedded
172.***
General IP InformationIP: 172.***.132Decimal: ***2Hostname: cpe-172-***-132.carolina.res.rr.comASN: 11426ISP: Time Warner CableOrganization: Time Warner Cable
Geolocation InformationContinent: North AmericaCountry: United States us
flagState/Region: North CarolinaCity: SalisburyLatitude: 35.6*** (*** *** *** N)Longitude: -80.5*** (*** *** *** W)Postal Code:
Installation
of EPN Mobile App with a test transition of $was completed on July 15,
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 July
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 usedNo 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, 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

I have worked with Merchant Account Solutions for about years and have had nothing but great experiences with them They have always been attentive, honest, and willing to take care of us when requested
We worked with them for one of our showrooms, and when we opened up our other 2, we brought them on board Repeat clients are a sign of happy clients, and if you work with them, I am sure you will be pleased
-John ***

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 20,
merchant installed equipment and ran a test transactionOn April 30th merchant called in stating reader was not compatible, merchant provided us with incorrect smartphone modelCorrect equipment was sent out free of charge with a return label to return other deviceServices 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*** and SN: 509tto the address below in good and working condition. No refunds will
be issued for for any fees already billed as services were requested, provided,
installedWhen returning equipment please retain tracking
information for your own records.
MAS Returns

Complaint:
I am rejecting this response because:I am still very unsatisfied with your actions and attitudesTo begin with, how did the cancellation fees you all speak of jump from $to $645? Also, I have provided my fax number to MrB*** *** to receive such copies of this contract that I have supposedly signedPlease refer to him, as he told me that he had it on file and would send me such documentsIt is going on weeks now and I have still not been faxed anything whatsoeverFor future reference, you have my email and both my phone number and fax numberPlease contact me at ###-###-#### or [email protected] when you are ready to provide such documents as MrB*** *** promisedIn the future, I may ask that you do not sign contracts on behalf of your potential customers and not use their personal information for your financial benefits, especially when such potential customers stated very clearly that they have no interest in using your services and has no intentions to go forward with you all.
I also see that I am not the only one having these same problems with you all, and that in fact, many other people are being charged for account that was opened in their name with you all that was not authorizedRevdex.com can view these reviews hereThank You
Regards,
W*** ***

I recently started my own online clothing boutique, FoxandtheFowl.com and Merchant Account Solutions has helped me from the beginningThey had lower fees than the other competitors I researched and the customer service was excellent! They helped walk me through the entire set up and were always available if any problems came upI am still using them for my online store as well as my mobile CC app

Complaint:
I am rejecting this response because: I didnt give merchant account solutions the authority to take money out of my account They did say if the credit card was used then I would be liable to pay a processing fee.
The credit card swiper was never used I would appreciate to have my money returned to me.
Regards,
C*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11450873,
and find that this resolution is satisfactory to meAs long as they follow through on their end to terminate our account once they receive payment
Regards,
T*** ***

Hello, This case was originally sent over from the San Jose CASE #and has already been addressed and handled with the client.
Also cases should be emailed to [email protected], [email protected] and
***@merchantaccountsolutions.com per our previous profile with the San Jose officehttp://sanjose.app.Revdex.com.org/complaint/view/418669/b/ddcDate
Activity
Description
05/20/2015
Inform other Revdex.com Case Transferred
05/20/2015
Inform Consumer Case Transferred to Another Revdex.com
05/19/2015
Case Closed as TRANSFERRED to another Revdex.com
05/19/2015
Forward to Another Revdex.com - OTTO
05/18/2015
Receive Business Response
This case has been dealt with outside of the Revdex.com.
05/11/2015
Notify Business of Dispute - Member
05/11/2015
Send Acknowledgement to Consumer
05/11/2015
Case Reviewed by Revdex.com - Member
05/08/2015
Case Received by Revdex.com
Best Regards,
*** ** | Operations Manager |
PH: ###-###-#### xt |F: ###-###-#### |
E: ***@merchantaccountsolutions.com

Per Link provided and Laws to be enforced:
http://codes.lp.findlaw.com/uscode/15/96/I/7001#sthash.HcyhouzZ.dpuf
Merchant was provided with terms and conditions prior to them digitally signing the agreement via the following links available through the mobile application and any and all of our other merchant processing application formats right before you sign.
http://www.intlcardservice.com/equipment/agreement/ and
https://www.ipaymentinc.com/docs/librariesprovider11/guides/ms-program-guide.pdf...⇄ /> This agreement validity cannot be denied because it was provided in electronic format or because it was digitally signed.
(a) In general Notwithstanding any statute, regulation, or other rule of law (other than this subchapter and subchapter II of this chapter), with respect to any transaction in or affecting interstate or foreign commerce - (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(b) Preservation of rights and obligations This subchapter does not - (1) limit, alter, or otherwise affect any requirement imposed by a statute, regulation, or rule of law relating to the rights and obligations of persons under such statute, regulation, or rule of law other than a requirement that contracts or other records be written, signed, or in nonelectronic form; or (2) require any person to agree to use or accept electronic records or electronic signatures, other than a governmental agency with respect to a record other than a contract to which it is a party- See more at: http://codes.lp.findlaw.com/uscode/15/96/I/7001#sthash.HcyhouzZ.dpuf
Merchant Account Solutions will refund the merchants monthly service fees totaling $as a courtesy to avoid their further misunderstandings, confusion and misinterpretation of the law and our agreement that they neglected to read and understand

Complaint:
I am rejecting this response because:
The business called me last week, willing to
resolve the issueThey are giving me part of the money back, not too happy about that but I said okI truly believe that to be fair they should have refunded all the funds that were charged after I made the first attempt to cancel thisMoreover, Up to now I haven't yet seen any refundsThanks
Regards,
*** ***

In order
to address this merchant concerns we have reviewed their account notations,
communications and agreement
"">Merchant
downloaded our Mobile application Smartsiwpe which is available for download free
of cost and requires and merchant account in order to function properly
Merchant proceeded to apply for said merchant servicesDuring the application
process, it requires pertinent information such the business information,
owner’s information and banking informationEach and every page of the
application process requires confirmation and submission, lastly on the last
page it list ALL terms which includes any and all fees pertaining to the
services requestedThe agreement was digitally singed with the following IP
address embedded 184.***.20.184.
The
equipment was also provided free of cost per the terms of the merchant account
agreement that was requestedMerchant proceeded to complete the installation
process and ran a test transaction for $0.02, services have been installed and
used
Merchant’s
desired settlement cannot be granted just because the merchant failed to read
the terms providedThis mistake costs our company application fees, licensing
fees and activation feesAll information pertaining to the services requested
were available to readDue to the merchant’s misunderstanding as a courtesy we
will cover the remaining of a month contract as well as all their
termination fees totaling $In order to grant this, merchant must
return equipment provided in good and working condition to the address listed
belowNo refunds will be issued as the account was requested, services
rendered, installed and usedAccount will be closed as soon as equipment is
received, please retain any tracking information for your records, any fees
accrued during the active state of the account are validMerchant Account
Solutions would like to advise the merchant to always read and understand any
and all terms provided during any of their future business ventures in order to
avoid any misunderstandings they may have and avoid costing all parties
involved any fees
EPN
serial number: 3***
MAS Returns

Complaint:
I am rejecting this response because:Merchant Account Solutions gave NO customer service to me through this processIf MrHerrera would have just answered my questions back in July 2015, which would have taken him less than a minute, then we would not be in this situationHe stated that he did not see my emails, but good businesses know to check their junk mailThere were no issues with previous emails between him and I, so I do not know why my emails starting hitting his junk mailAnd, all he would have had to do was email me a message like, "you are being charged an early termination fee - see the terms on your contract." In addition, just because that the terms stated that there would be an early termination fee, there are some companies that will negotiate terms with customersThis is also why I was trying to get an answer from MrHerrera, as maybe we could have worked something out to reduce the fees, or bring my credit card fees down, so I could keep an account with Merchant Account SolutionsEven after not getting any responses from MrHerrera, I faxed the closure paperwork to Merchant Account Solutions on 10/1/15, and I also sent copies of my emails to MrHerrera, along with this faxI waited for a response from the company for approval to return the terminal, again as the closure form states "This request will not be effective until the required documents are provided an approved." But, the company continued to charge feesOn 11/2/15, I emailed MrHerrera again, and he answered this email, I believe because I may have to go to the Revdex.com to get this resolvedHe said that I would be charged an early termination fee and to mail the terminal backSo, I sent the terminal back to the company on 11/3/Yet, I still continued to be charged $per month in December, and the annual fee that I had recently been charged of $I emailed MrHerrera on 12/13/to ask why I was continuing to get charged fees - as during this entire process, I was charged $430, while the terminal just sat waiting to be returned to the companyAgain, no response from MrHerreraSo, I contacted the Revdex.com on 12/16/My account was closed shortly after this claim.I think that it is only fair that Merchant Account Solutions credit $toward the early termination feeThe credit card terminal was just sitting and not being used while I was trying to work with the companyAll I ask is for fair customer service - nothing moreI think my request is very reasonable
Regards,
T*** ***e

It is unfortunate that the merchant has a difficult time understanding Doing Business Name, Legal Business names and even representatives names, seems like they are getting their services requested mixed up and is having a difficult knowing which service is which from other companies
Once again,
Our Legal Business Name is International Card Service (ICS), our doing business name(DBA) as is Merchant Account Solutions(MAS)"Integrated Card Systems" is not in any way affiliated with us nor are they in any way affiliated with "Square"We do not in any way shape or form intercept or pose as anything else than our legal business name and our DBAAny and all our mobile applications do not have any other information aside our ownAlso the documentation attached to this case, isn't in any way shape or form associated to usEquipment was received July 10th (packages were sorted July 21st, 2015) and account is in process of closure any and all fees accrued during the month (July) leading up to account closure July 31st are validFees were reduced to $and the merchant was notified every month that PCI (Card Networks) compliance(questionnaire) is mandatory and fee would be charged if not completed within the first and up to completion of an additional $Also available on the terms provided through online application and welcome packet mailed out.
Account is scheduled to close July 31st, 2015, equipment has been received and notated, per desired resolution

Complaint:
I am rejecting this response because:
Minor Correction; my bank account was charged approximately $46.80, as I have two official physical letters from Merchant Account Solutions showing the fees charged to my accountI can provide copies of these if neededAlso, when MrBenjamin Hahn and myself spoke on the phone a little more than a week ago, he told me that the contract was signed from a different IP address that was not mineIf Revdex.com could request that the recording of that call can be pulled, then that would be fantasticI will also state again, I was supposed to be sent a copy of the contract I supposedly "signed" but have not yet been sent any form of information regarding itAll information I provided about myself and my business back in January when I was inquiring about the account was provided OVER THE PHONEIf the conversations that were monitored/recorded between myself, and the sales agent, MrB*** ***, could be pulled to show this, that would also be fantasticLet me reiterate myself, NO contract, whether it be electronic or physical, was EVER sent to me in any way, shape, or form, nor did I put my signature, again, whether it be physical or electronic, on such a thing.
Never the less, it's extremely interesting that no sooner than when I filled out my complaint with the Revdex.com, about minutes later, my account was closed with Merchant Account SolutionsBut, the charges made to my account were still technically unauthorized, per the fact that MrBenjamin Hahn did indeed inform me that such a contract that they speak of was signed from an IP address different than that of my own
Regards,Phalanx Gear Solutions, LLC

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
",sans-serifTimes New Roman">
On 6/16/merchant was contacted by Merchant Account
Solutions to offer lower rates and monthly service fees based on the merchant’s
monthly credit card processing volumeOn the same day merchant submitted
Merchant Processing Application for the services in questionApplication
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 applications. Application was signed with digital signature
that has the following IP address embedded 74.***
Merchant was approved based
on the volume they had requestedMerchant has failed to adhere to the monthly
volume they requested and agreed toMerchant 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 thisNo refunds will be processed as services were provided,
installed and actively used
EPN Serial Number: 3***
REF# 02804MAS
Returns

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10768021, and find that this resolution is satisfactory to me
I truly appreciate Revdex.com (Revdex.com) assisting me in resolving this issue. I now have a better understanding of the value of Revdex.com. Merchant Service Solutions has caused harm to many other consumers. Hopefully they will review their business practices and change the way they operate in the future
Best Regards,
C***

Revdex.com:I have reviewed the response made by MAS in reference to complaint ID 10821408, and find that this resolution is satisfactory to meAdditionally, I will return both readers to MAS returns Ref # Note: In the future Merchant Account Services should enplane all of the ramifications about cancellation fees, monthly fees if you don't use the equipmentWe 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 timeI 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 notThank you for taking the time to review and help correct this issue
Regards,
*** K***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10950903, and find that this resolution is satisfactory to meI mailed back the equipment yesterday and suppose I will get a response from them about the closing of the account after they receive it.
Thank you for the quick resolve to this matter!
Regards,
B*** ***

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 8/17/at 9:AM PST
merchant downloaded our Mobile Application Smarswipe, downloaded and applied for the services in question without speaking with any representativeMerchant acknowledges providing 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 applications. Application was
signed with digital signature that has the following IP address embedded ###.###from their AT&T mobile deviceInstallation
of EPN Mobile App with a test transition 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, % of fees refunded for services rendered from August
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 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