Merchant Account Solutions

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 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, 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

Complaint: 10716428
I am rejecting this response because: A physical contract was claimed and allegedly sent.  It is was never sent. The address was verified was 3 times.  In addition, the representative stated that should the matter be taken to court, we would lose, this is de...

facto legal advice witnessed by 3 people under the knowledge of the representative.   The representative repeatedly refuse to allow any supervisory consultation stating the supervisor would say exactly what he said (despite refusing to attempting to understand what would be discussed. The Fir Debt Collection practices act guarantees a clear chain of command.  His exact words ere that he was the top, despite research through public records revealing this untrue.   Intentional deception is also against the FDCPA.  No bill was provided until after withdrawal, again against FCPA. He has made slanderous accusations and admitted the same himself but claimed his a truth.  He threatened to withdraw from my account regardless of my ability to pay and with the knowledge he was withdrawing from an incorrect account which I offered to correct.  I ultimately had to correct on my own.  He encouraged bankruptcy asa solution.  I informed him of dire situations and multiple disabilities which he ignored.  H was informed and agreed to a few others verifying his information and repeatedly informed me that no call on his end was ever recorded.  I was repeatedly accused of lying, then told he never said that.  I was told I was an attorney and that he shared the same education then told he was a high school graduate.  I was mislead that Federal law required both parties to consent to call recording, even overhearing despite Federal law requiring only one party's consent and as he called a state number only requiring the same, he communicated deceptively.
Ultimately he caused a great deal of trauma, but has not to this date even acknowledged the possibility of it. As, which he clearly and repeatedly stated, he was the head supervisor (no other number was offered or given) of the company, I realize that there is little I can do.  I accepted his offer under duress and am bound by it $20 approx a monh.
Regards,
J[redacted]

As previously mentioned, we stand by the existing offer to release the merchant and cover the remaining financial responsibility of a 36 month contract and the $645.00 termination fees as a courtesy due to their misunderstanding and potential security risk due to their business type as well false information supplied during their application process. Please return the equipment provided in order to close out this case. Merchant proposal cannot be validated as it does not supply a date or valid employee signature, merchant proceeded to agree to terms provided during the application process at the fees their being billed. Merchant Account Solutions provided the merchant as requested service to accept credit cards as form of payment for products/services they would be selling with a requested monthly volume of $3,000, which the merchant did not fulfill their part of agreement and not just limited to their monthly volume among other information provided inaccurately which violate Card Network rules and regulations. 
In conclusion please return equipment provided to proceed with fee waivers as a a courtesy to the merchants misunderstandings.  
 
On June 4, 2014 Mr. [redacted] solicited Merchant Acccount Solutions and applied on our Mobile Application for the service in question, the account was approved and the hardware mentioned in the complaint detail was shipped, delivered and signed for by Mr. [redacted] June 11th 2014.
The complaint listed by Mr. [redacted] states that he received an email from a representative listing out our offer, pricing and terms for his new account, chief amongst the details mentioned was that there is $4.95 Monthly statement fee listed as part of the offer, in the latter portion of the same report Mr. [redacted] states that he never agreed to monthly fees. Either the context of the email was written incorrectly or the information provided outright contradicts itself.  Historically Merchant Account Solutions has firmly stood by all offers that are presented in writing from representatives but we were never provided such an email nor details explaining the offers the complaint detail is the first bit of information provided suggesting such emails, agreements or amended terms.
Despite the inaccuracies in the complaint it has been founded that Mr. [redacted]s application was submitted to our company unsolicited through our Mobile web portal; in this application all details of our agreements and contracts are 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 pricing and structures for each respective application. All items listed in question via the complaint detail is available at that point and viewable prior to acceptance of the terms listed in our agreements. There is full and complete disclosure included with all of our applications and this situation is no different.
In closing, the desired settlement requested by Mr. [redacted] cannot be granted. Merchant Account Solutions agrees to close the account with no Early Termination Fees as long as the equipment is returned in proper working order but there will be no refund of the monies requested.
Shuttle Serial Number 417[redacted]62Ref # 31957MAS Returns

Hello, This case was originally sent over from the San Jose office CASE #419111 and has already been addressed. 
font-family: Verdana, Arial, Helvetica;">
Date
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 
 
05/19/2015 
Receive Business Response 
After reviewing account notations, communications and agreements merchants did complete online application process and was approved to accept credit cards as a form of payment for their business Mary Kay. In order to assist the merchant and as a courtesy we will waive contract as long as merchant returns equipment provided Shuttle SN: 502T577423 in good and working condition to the address below. Account will be shut down and all fees waived as soon as reader is received, account has been notated. MAS Returns101 Hodencamp RD #203Thousand Oaks, CA 91360 
05/12/2015 
Notify Business of Dispute - Member 
 
05/12/2015 
Send Acknowledgement to Consumer 
 
05/12/2015 
Case Reviewed by Revdex.com - Member 
 
05/11/2015 
Case Received by Revdex.com 
 
[redacted] R
Operations Manager
Merchant Account Solutions
P: ###-###-#### xt 123
F: ###-###-####
E: [redacted]@merchantaccountsolutions.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10884666, and find that this resolution is satisfactory to me.
Thank you for the resolution, we are satisfied . Further we sent the machine to them already by UPS.
Regards,
Y[redacted]

The following timeline will
provide further clarity on this merchant’s concerns.
size="2"> Merchant downloaded our mobile
application Credit Card Reader from the Google Play store and proceeded to
apply for services in question on June 12, 2015. Our application requests
pertinent information and confirmation every step of the application. Any and
all terms, conditions and fees associated with the services requested were
provided during the inception of the account. Application was digitally signed
and embedded with the following IP address ###.##.#.###. Once application was completed,
merchant had the ability to print and retain a copy.
Merchants states was not provided
with services, however on June 13, 2015 merchant was emailed logins for their
mobile application which allows them to run transactions through their mobile
cell phones with or without a mobile swiper. Merchant logged in a ran test
transaction in demo mode. Our office also placed numerous calls and emails
between June 17, 2015 to July 6, 2015 to confirm delivery address but no luck
in contacting the merchant and no return communication.
Merchant’s desired
settlement cannot be granted because the merchant failed to read the terms
provided. This mistake costs our company application fees, licensing fees and
activation fees. All information pertaining to the services requested were
available to read. Due to the merchant’s misunderstanding as a courtesy we will
cover the remaining of a 12-month contract as well as all their termination
fees totaling $645.00. No refunds will be issued as the account was requested,
services rendered, and installed. Account will be closed at the end of the
current billing period, March 31, 2016. Any fees accrued during the active
state of the account are valid. Merchant 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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10655733, and find that this resolution is satisfactory to me. 
I also would like to note that what you say is all lies and I hope the Revdex.com along with the AG takes further action against this company.  This is VERY much a scam.  Why would I have ever agreed to such ridiculous terms when there are plenty of reasonable cc machine companies out there.  Thank you for ripping off the working class.  I hope your kids have better and bigger dreams than you, set up a LEGIT business only to be ripped off by a sm business such as yourselves.  GOD BLESS THE WORKING CLASS IN AMERICA!
Regards,
M[redacted]

In order to address this merchant concerns we have reviewed their account notations, communications and agreements. On 01/08/2016 at 3:33 PM PST, merchant was contacted by our company to offer lower rates for their credit card processing. Ms. B[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 174.50.131.120 Services were requested, provided, installed and used. In closing the desired settlement requested is to have the account closed with no early termination fees and 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 is 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 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. MAS Returns Ref# 6###9

Agent was very helpful and very professional

The employees at MAS are superb. Very responsive to all my request for help. And they seem to be glad to be doing it. Kudos.

Hello, This case came from the San Jose office CASE #416955 and has already been addressed.
color: rgb(0, 0, 102); font-family: verdana, arial, helvetica;">Date
Activity
Description
05/20/2015 
Case Closed as TRANSFERRED to another Revdex.com 
 
05/20/2015 
Inform other Revdex.com Case Transferred 
 
05/20/2015 
Inform Consumer Case Transferred to Another Revdex.com 
 
05/19/2015 
Forward to Another Revdex.com - OTTO 
 
05/19/2015 
Receive Business Response 
After reviewing this merchant account notations and agreements. Merchant has breached merchant agreement. Merchant was contacted to offer lower processing rates for their merchant services and was advised of our competetive prices. Merchant completed Merchant Processing Application which had full terms and conditions along with pricing. Merchant agreed via digital signature embeddec with their IP address. Merchant stated their business processed $5,000 in credit cards monthly and that the business had been open for 6 months. Merchant then advised the business had not been opened and will not be accepting credit cards and closed their checking without allowing us to provide proper closing procedures. At this time the account is closed due to non-payment and a collection balance is due. We will waive as a courtesy to the merchant the termination fees scheduled to be charged however the merchant is still responsible for collection balance due. Please call ###-###-#### to assist with balance. 
05/15/2015 
Reminder of Dispute to Business 
 
05/15/2015 
Consumer - Have You Heard From the Company 
 
05/15/2015 
No response to first notice to business 
 
04/30/2015 
Notify Business of Dispute 
 
04/30/2015 
ReOpen the Complaint 
 
04/29/2015 
Case Received by Revdex.com 
[redacted]
Operations Manager
Merchant Account Solutions
P: ###-###-#### xt 123
F: ###-###-####
E: [redacted]@merchantaccountsolutions.com

In response to claim 10/21/15  Mr. M[redacted] applied on
our Mobile Application for his business on 5-27-15 at 10:39 AM, Merchant Account
Solutions proceeded to fulfill the order as requested and setup the account
with the information provided by...

Mr. M[redacted] within 24 hours.
Per the complaint listed Mr. M[redacted] says he was never told
about these terms, conditions and fees but this application was submitted to
our portal unsolicited, it was an order placed through our Mobile app, all
details of our agreements and contracts are 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,
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.
Despite
the inaccuracies in the complaint I have records of Mr. M[redacted] contacting our
Customer Service group to go over the monthly fees and minimums on 6-3-15,
information was provided and no further questions were asked. On 6-18-15 Mr.
M[redacted] called again to go over the same information that was provided on
5-27-15, 6-3-15 and now again on 6-18-15. These same calls were also again
fielded on 6-25-15, 7-2-15 and 7-6-15 to provide the same information. After
the conversation on 7-6-15 a representative authorized a credit in the amount
of $32.90 and lowered total monthly fees to total of $19.95, as long as Mr.
M[redacted] took the industry mandated PCI compliance scan the fees would remain at
the agreed upon structure that was amended on 7-6-15. The paper statements that
are delivered monthly to Mr. M[redacted]’s address explicitly list the PCI
Compliance requirement these have been provided monthly ranging from the onset
of the account until present day. On 10-3-15 Mr. M[redacted] also contacted our
Customer Service group to check on the status of his PCI compliance scan in
which he was informed that he is now PCI compliant. The fees are now as
suggested during the 7-6-15 conversation.
In closing, the
desired settlement requested by Mr. M[redacted], Merchant Account Solutions agrees
to close the account with no Early Termination Fees as long as the equipment is
returned in proper working order, once equipment is received and tested account will be closed. No refunds, as services were requested and provided. Any fees leading up to account closure are valid.
MAS ReturnsREF#75335

We have reviewed this merchants account notations, communications and agreement. Per notations merchant applied for our services on January 15, 2015 by completing an online application, which requested all of their business information as well as the business owners information and was digitally...

signed with their IP address embedded . Merchant stated their business ran $20,000 per month of credit card transactions and was quoted a monthly service fee for this volume. On the agreement it also stated if the merchant would not use services that additional non-processing fees would incur. Merchant has not processed any transaction aside for the test transaction completed on January 22, 2015 during the installation process of the equipment. 
Merchant Account Solutions will be closing this merchant account for breaching and falsifying information on their agreement stating their volume was larger than what they actually process. As a courtesy to the merchant we will be waiving termination fees($645), however monthly service fees that have been billed are valid as services were provided and merchant agreed to services and proceeded to install equipment ordered.

Revdex.com:
I do not agree that I esigned anything. I set up my account over the phone, so it is impossible for me to sign anything. Seems that you would send a copy of this so called "3 year contract" to me if I had agreed to it. I have no records and by the looks of it, neither do you. I was never provided with a contract even though I've left multiple messages and spoke to 2 people saying that it would get to me via email in a few days. It hasn't. I will be returning the equipment and I don't want any other charges whatsoever. I also want to close my account. 
I have reviewed the response made by the business in reference to complaint ID 10679040, and find that this resolution is satisfactory to me.
Regards,
K[redacted]

In order
to address this merchant concerns we have reviewed their account notations,
communications and agreement.
Verdana, sans-serif;">Merchant
download 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 services. During the application
process, it requires pertinent information such the business information, owner’s
information and banking information. Each 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 requested.
The agreement was digitally singed with the following IP address embedded
74.[redacted].227.1**. It is unfortunate the merchant neglected to read the terms
provided during the inception of the account.
The
equipment was also provided free of cost per the terms of the merchant account
agreement that was requested. Merchant 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 provided. This mistake costs our company application fees, licensing
fees and activation fees. All information pertaining to the services requested were
available to read. Due to the merchant’s misunderstanding as a courtesy we will
cover the remaining of a 36 month contract as well as all their termination
fees totaling $645.00. In order to grant this offer, merchant must return
equipment provided in good and working condition to the address listed below.
No refunds will be issued as the account was requested, services rendered,
installed and used. Account 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 valid. Merchant 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[redacted]
MAS Returns

In
order to address this merchant concerns we have reviewed their account notations,
communications and agreements.
Merchant
acknowledges providing pertinent information...

and agreeing to a 12 month
agreement, within those terms all rates and fees associated with the merchant
service agreement were available to read through, print out and retain a copy.
Merchant
was  provided rates and 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. 
EPN Serial Number: 3[redacted]REF# 0[redacted]8MAS
Returns
Account
will remain open until equipment is returned, any and all charges accrued
during the active state of service are valid per agreement. 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 was looking for a mobile friendly POS system to process credit/debit cards. Found this one and sent the requested info for sign up. I was told there was a $7.95 a month fee plus % swipe fee. I was told by phone that I would have a $2000 daily limit. I processed my first transaction of $1358 and received an email saying processed. A few days later I received another email saying it had been held up. After 2 weeks of holding my customers money, the called and told me they had cancelled my account and refunded her. I had to contact customer and give her a $400 discount in order to get a partial payment. On Mar 2nd, 2017 this company charged my bank $36.46, on Mar 24th 2017 they charged my bank a $350 cancel fee, on Apr 3rd 2017 they charged my bank account $26.47. I have both emailed and called this company to no avail. I have not had the use of this service, I did not cancel, they did. And they cost me the $458 discount I had to give the customer. Added to the $413.20 they have taken, this company has cost me much more than their service would have been worth. I filed a complaint with the Revdex.com. Just received a call from MAS saying that I broke the contract, which I did not. AND if you go to their website the top proclaims in large letters ” No contracts, no cancellation fees”. They are a scam and a ripoff from what I can see.

I was looking for a mobile friendly POS system to process credit/debit cards. Found this one and sent the requested info for sign up. I was told there was a $7.95 a month fee plus % swipe fee. I was told by phone that I would have a $2000 daily limit. I processed my first transaction of $1358 and received an email saying processed. A few days later I received another email saying it had been held up. After 2 weeks of holding my customers money, the called and told me they had cancelled my account and refunded her. I had to contact customer and give her a $400 discount in order to get a partial payment. On Mar 2nd, 2017 this company charged my bank $36.46, on Mar 24th 2017 they charged my bank a $350 cancel fee, on Apr 3rd 2017 they charged my bank account $26.47. I have both emailed and called this company to no avail. I have not had the use of this service, I did not cancel, they did. And they cost me the $458 discount I had to give the customer. Added to the $413.20 they have taken, this company has cost me much more than their service would have been worth. Just received a call from MAS saying that I broke the contract (which by the way I never signed and they keep promising to send me a copy of but don’t) AND if you go to their website the top proclaims in large letters ” No contracts, no cancellation fees”. They are a scam and a ripoff from what I can see.

Review: Signed up for a reader that would charge per swipe and did not agree to a monthly fee. When charged one later, attempted to return reader and cancel whatever contract had been created. Was advised that if taken to court, they would win, was accused of demanding things when I answered their questions, was accused of calling all other employees, was refused transfer to supervisor when representative was abusive, told representative was the highest supervisor, and was told that they did not make a profit on their product. Product was never used nor will it be but company will continue to draw from my account by forcing me to either let them charge for one year or else they would charge full amount for 3 years. Was advised to file bankruptcy to avoid payment if it would cause difficulty. Original agreement was witnessed by several others listening in and no contract was made. When advised of this, the assertion that said witnesses were irrelevant because they had a digital phone contract was made. Repeated refusals to speak with a supervisor were made, even when the intent of the intended discussion were revealed (I.e. to address abusive and generally poor customer service). Every answer to the representative's questions was called belittling and representative claimed to know who and why I had called but refused tu consult his computer when asked to substantiate all accusations. Finally, representative stated that the entire contract was read and that I agreed to 3 years of service and that they would send said contract with my digital signature and the IP address it came from but that it would not matter as I only had his option or the full amount. Name:[redacted] Claimed position: "highest supervisor" Witnesses to conversation and accuracy of above statement available and recording of conversation was refused by Mr. H[redacted] and myself, despite offered by myself. Mr. H[redacted] stated that his end did not record and he would not allow me to unfortunately. Currently charged $35.90Desired Settlement: Cancel contract and cancel continued removal of my funds. I will return reader if desired. After final resolution, no further contact by company. Mdr. H[redacted] has stated that they will never do this as they need my money to pay for their computers and large overhead (he explicitly stated they make no profit at all). Mr. H[redacted] also stated he would personally intercept U.S. mail and email to any superior. I.e. this is more information than than avail. outcome. No change expected.

Business

Response:

Consumer

Response:

Review: 10716428

I am rejecting this response because: A physical contract was claimed and allegedly sent. It is was never sent. The address was verified was 3 times. In addition, the representative stated that should the matter be taken to court, we would lose, this is de facto legal advice witnessed by 3 people under the knowledge of the representative. The representative repeatedly refuse to allow any supervisory consultation stating the supervisor would say exactly what he said (despite refusing to attempting to understand what would be discussed. The Fir Debt Collection practices act guarantees a clear chain of command. His exact words ere that he was the top, despite research through public records revealing this untrue. Intentional deception is also against the FDCPA. No bill was provided until after withdrawal, again against FCPA. He has made slanderous accusations and admitted the same himself but claimed his a truth. He threatened to withdraw from my account regardless of my ability to pay and with the knowledge he was withdrawing from an incorrect account which I offered to correct. I ultimately had to correct on my own. He encouraged bankruptcy asa solution. I informed him of dire situations and multiple disabilities which he ignored. H was informed and agreed to a few others verifying his information and repeatedly informed me that no call on his end was ever recorded. I was repeatedly accused of lying, then told he never said that. I was told I was an attorney and that he shared the same education then told he was a high school graduate. I was mislead that Federal law required both parties to consent to call recording, even overhearing despite Federal law requiring only one party's consent and as he called a state number only requiring the same, he communicated deceptively.

Review: I was told by the sales associate Jason Rossi that I would not be charged any other fee's but a small percentage of my sales. I recieved my first statement and there were substancial fees drawn out of my account. I attempted to discuss this with the company. They were rude and said I could not cancel my service with out payinga 545.00$ fee. I had no understanding of this fee either. I was lied to by the sales rep and then their customer service department wasrude and refused to transfer me to management. They refused to refund my money or cancel my service. In addition the equipment they sent me nevber worked. The sales rep was asked twice if there were any hidden fees or other charges that I might need to know about and he responded emphatically, "No.". Then the comapany tried to tell me I ghad signed a contract and I should have read it beforte I signed it. I never signed any contract and understood it could be canceled at any time.Desired Settlement: apology and refund of excess charges of 33.83$ and request that I am not charged any cancelation fee of 545.00$.

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 8/17/2015 at 9:31 AM PST merchant downloaded our Mobile Application Smarswipe, downloaded and applied for the services in question without speaking with any representative. 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 Name

Federal 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. 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 ###.###.188.64 from their AT&T mobile device.Installation

of EPN Mobile App with a test transition was completed on August 19, 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 August 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.