Merchant Industry

Review: Merchant Industry had promised 24 hour deposits from my business. I am still waiting for deposits from January **,**,[redacted]and **.

The total of deposits are $7,371.40.Todays date is the **of January and have not received funds as of today. As a business I have funds automaticly withdrawn

which so far 4 have been sent back for NSF fees.

I know that they have told me tomorrow 3 times but,now have to call the FDIC to report there services. This has been a total nightmare,and I just

want other businesses to BEWARE of this so called company...

I still don't know what other checks are going to be returned because that will happen this evening since the funds are still not in the account.....Desired Settlement: I want all the extra fees that I am going to be charged when this is all over. And a letter to the persons that have had the checks returned to them.

Which I will provide when the funds are deposited and the NSF fees are taken out. and no more FEES taken out of this account!

Business

Response:

[redacted],

We would like to apologize for the banking issues that have occurred with your account. Just to assure you, since the problem arose we were diligently working on providing you with a proper resolution. We have confirmed that you have received all funding due to you as of the morning of the [redacted]of January.

Review: We cancelled our business with Merchant Industry on May **, 2014. They asked us to return the credit card terminal; there was no mention of a charge or restocking fee. Our contact, [redacted], offered to pick up the terminal so it would not be damaged in the mailing. He picked it up on June *, 2014. The next communication we received was from a debt collection agency, Oxygen Recovery Group, who left a message on August **, 2014. On returning this call, we were told we owed Merchant Industry $495. for the terminal. When we explained that the terminal had been picked up, the collection agency then told us that there was a $148. restocking fee. We had no notice from Merchant Industry about any of this, let alone that they were turning the matter over to a collection agency. Our contract with Merchant Industry makes no mention of a restocking fee.When we call Merchant Industry and spoke to [redacted], one of their associates, he said he could not help us because the account was closed and it had been turned over to a debt collection agency. After several attempts to resolve this with them, after rude and hostile behavior from them, we decided to file this report.Desired Settlement: We would like these charges removed from our now closed account and for Merchant Industry to call off the collection agency. We want our credit reports completely cleared of this made up charge.

Business

Response:

We apologize for any inconvenience this may have caused you. I assure you that your business will be removed from the collection agency's database for this matter immediately. You do not owe any money for equipment. Thank you for your understanding about this matter.

-Merchant Industry

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I faxed and emailed a Notice of Cancellation to Merchant Industry on 12/**/2014. My new credit card processing company did the same, so Merchant Industry had been notified by both of us about the cancellation. An unauthorized bank debit ($133.95) was processed by Merchant Industry on 12/**/2014 - clearly after my cancellation with them.

I have attempted to contact Merchant Industry numerous times via email as well as by phone, cell phone and landline. I left voice mails as well as phone messages requesting my account manager, and/or customer service representatives to return my phone call. I enlisted the assistance of my new credit card processor to try to get in touch with Merchant Industry and they are not having any success either.

I want the fees of $133.95 refunded to my account and I want them stop accessing my bank account. This is theft.Desired Settlement: I would like Merchant Industry to refund the $133.95 back to my account or in the form of a check and never access my bank account in the future. My contract with them has been cancelled effective 12/**/2014.

Business

Response:

We apologize for any inconvenience you have experienced for your merchant account. Unfortunately because your cancellation request was received on December **, 2014, your December billing cycle still processes as usual. Those fees that were applied to your account are legitimate fees for your merchant account. Please review your November billing statement for important information pertaining to your December bill.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Our account was closed 12/**/2014. Under our agreement with Merchant Industries we were not to be assessed any fees. Notwithstanding, our account was closed in 2014....this new fee was for 2015 and therfore we should not be billed for fees in advance for services we did not use on an account that was cancelled. This is not a satisfactory resolution.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Yes, we still use the same bank account as when we were processing with you. If you no longer have that information, please issue a check and mail it to us at [redacted], [redacted]Thank you.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We will be processing the refund today, and you should have the money in your account by the middle of next week. Thank you.

Review: Credit Card processing contract does not stipulate length of agreement, however we were charged $995.00 for cancelling contract prior to terms. This contract agreement was initiated May ** 2011 and we were told that it runs for two years, this was in a telephone conversation with company rep [redacted]. To cancel we were to notify in writing 90 days in advance of term of agreement, now 120 days is the advanced notice. We have a copy of the notice sent May ** 2013 along with the post office return recept stating our intention not to continue services. Merchant Industries renewed the contract anyway then charged us the amount above for cancelling early. All processing equipment was returned in good condition yet we were charged for it anyway. Please advise.

We have contract, letter from company stating equipment return policy and our letter to them cancelling agreement extention. We were sent an envelope with junk papers which were suppose to explain the charges but it's intent was to extend the time it takes us to respond , so that they could debit our checking account. Merchant Industries litterly extorted the money.Desired Settlement: A total refund of $995.00, and contract terms fully explained in future agreements with other businesses; including dates and terms of the agreement.

Business

Response:

I am sorry if there was some wrong information received on your end from one of our representatives, but the Terms and Conditions that every merchant receives in the mail does states 36 months term. If we receive cancellation notice within 60-90 days prior, you will not be obligated for any early termination fee. Unfortunately you cancelled within two years, and therefore were charged an early termination fee.

All terms are in writing. Once cancellation notices are received, we process the request based upon the date the notice was received.

Review: For five months this company has charged my account a minimum of $64.94 each month for non activity fees. I have tried cancelling this account with them more then 5 times. I have tried to call to speak to the [redacted] who never returns my calls, she is always gone to lunch or away from her desk, gone in a meeting or they hang up on me . One time I spoke with her she told me she would have all fees credited back to my account I faxed and emailed her telling her she and her company was not authorized to charge my account ever again. Even after this letter they have once again have charged my account. I have received letters saying two of these charges were being credited back which never happened. I have never once used their services nor do I ever plan on it. It has always been a complete run around with this company. I was repeatedly told I was even getting equipment which took over three months to get because they "sent it to the wrong address" or so they say.Desired Settlement: I would like all of my money refunded for each charge of $64.94 for five consecutive months. I also would like to NEVER charge my account ever again. This is fraudulent. I do not authorize any of these charges.

Business

Response:

I have noticed that this complaint has come from an individual other than the owner listed on the application for the merchant account. It would be helpful if we could communicate with the owner of the account about any matters related to refunds and cancellations. I have notified my customer service [redacted] about the complaint and she will be expecting your call to discuss all your concerns if you choose to call.As a general rule of thumb, any request for cancellations must come in writing, and can be faxed to ###-###-####. Please call in and and ask for [redacted]. Her direct number is ###-###-####.Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I spoke with [redacted] personally. [redacted] was to put it in the notes that [redacted] spoke with her stating in the beginning that all communication is to go to [redacted]. [redacted] is the listed owner but [redacted] handles everything. [redacted] is [redacted]'s finace' not just an employee. Thanks

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

I'm not sure which email you are referring to, but you can just disregard it. I assure you that all has been taken care of to close your account. There should be no reason to have to go back and forth anymore regarding any issues. Please disregard the email.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. With regards that my account will never again be charged.

Sincerely,

Review: We signed on with Merchant Industries on July **, 2011 -- I have a signed contract but it does not indicate neither an expiration date nor contain a signature other than mine. On July **, 2014, I called my representative [redacted] to inform him I no longer wanted them as my merchant processor since their rates were too high. [redacted]'s only comment was, I want my machine back [redacted], I gave that machine to you. Well I assumed that this took care of everything, sent them the machine....expecting to pay something in the month of September since they didn't receive the machine back until mid August...I was fine with that....however, come October I was charged $154.94...when I querried them I was told that their records indicate that I cancelled my account on July [redacted] but I didn't send them a letter of cancellation. On October [redacted] I sent them a letter indicating that this had been cancelled with [redacted] on the [redacted] of July. They even issued me a ticket # [redacted]. On the [redacted] of October they took another $500.00 from my account and called it "early termination fee" well if the contract was for 3 years and I had passed 3 years and never signed anything, but did in fact verbally cancel....they are refusing to give me my 654.94 back.Desired Settlement: I want this company to return the monies they basically stole from me. No one calls me back, my bank can't issue a charge back so I'm stuck...They are the worst merchant processing company

Business

Response:

I'm sorry for the trouble you have been through. I have spoken to [redacted], your sales represntative, and he has made it clear to me that all charges have been refunded to you. You should see all of the money back into your account by the end of the week. Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

After many, many calls and many, many lies, Merchant Industry, LLC finally returned my money

Review: During the sales pitch offering credit card processing services for our company, I was told many things that were ultimately NOT true. I was promised "next day funding" but after agreeing to TRY their service, I was told we would never get "next day funding" but it would always be 2nd day funding. I was told that we would save money by switching to this company which was absolutely NOT born out by experience. I was verbally told that if we were not happy with this company that they would not charge us an early termination fee and that in essence our "contract" would be a month-to-month agreement. They did ask me to sign a contract however, which eventually I did, after getting additional verbal assurance that I would not be "held" to this contract. Although the contract included terminology saying that by signing I agreed to an "attached terms and conditions", I was never given the "terms and conditions" - they were NOT attached. We were supposed to be able to process [redacted] and [redacted] cards, and though we called a couple of times to let them know that their equipment would not process [redacted] card transactions - and though someone "worked" on this problem with us - it was NOT resolved and we never did process a [redacted] card transaction during the time we did business with them. The sales person that I dealt with kept handing me off to others whenever I had questions and/or problems and this is how I ended up having a 20 minute conversation with the Relationship/[redacted] - Senior Account Executive. This person was rude, arrogant and yelled at me until I insisted he stop. He screamed that the conversation would only take 5 minutes! I spoke with him for 20 minutes and once I was able to get him to stop yelling at me and get him to listen to me (NOT an easy task as he was determined not to give me the opportunity to speak), he seemed to understand the issues and problems. I informed him that I was most unhappy with his company's service and wanted to return to my former credit card processor without incurring any fees to do so. I wanted to know where to send back their equipment. He was apologetic and claimed that a number of his people had made "errors" and that our account ought not to have been handled the way that it was. I was completely under the impression at the end of our conversation that we were ending our relationship and that no fees would be incurred by our company to do so. Within 2 hours, I received an email from my original sales associate saying that our account would be debited an Early Termination Fee of $395.00. On 2/**/15, I saw that charge come through on our bank account and put a stop payment on it. Also on this date, we sent their equipment back to them via [redacted]. On 2/**/15, I received a letter from them threatening large fees if we did not return their equipment and noting that there will be a "restocking fee of $100 for a terminal". At NO time, and NOWHERE on their contract was there ever mention of a "restocking fee" for a terminal.Desired Settlement: Given the misrepresentations and poor customer service, this company in no way should charge us an "Early Termination Fee" nor a "Restocking Fee" for the terminal. We demand that these charges be reversed. It is also important that none of this impact our credit rating or history.

Consumer

Response:

I have already outlined all of the issues. I am not sure what more information is required or necessary. In shorter version: 1.) Was promised we would received "next day funding" - vs. We never did - and eventually was told it would ALWAYS be 2nd day funding.2.) Was promised that we would save money when compared to our old credit card processor - i.e. processing fees would be less than what we were currently paying vs. Fees were NOT less - virtually identical - i.e. NO savings.3.) Was promised would be able to process [redacted] & [redacted] cards - vs. Was never able to process [redacted] despite their attempts to "remedy" the situation. 4.) Was promised they would not "hold" an unhappy customer - if not happy with their service, we would be able to "terminate" without fees (Signed contract only after MUCH discussion about this!) - vs. their attempt to charge our account for a $395.00 Early Termination Fee. 5.) NEVER told there would be a $100.00 "restocking fee" for their equipment that we returned until we notified them that we were NOT happy and wanted to terminate our relationship. (Received letter in mail after notification of ending relationship). 6.) NEVER provided with "Terms and Conditions" that contract alluded to but was not attached.

Business

Response:

[redacted]I'm sorry to hear you had a negative experience with Merchant Industry. Generally all of our contracts are for three years and are set in writing in our Terms and Conditions, which you should have received by mail. But, since you were verbally promised a no contract term with us, we will definitely honor that. Most companies are extremely strict with their contracts with little or no flexibility.All merchants are sent a letter at the time of cancellation informing them they need to return their equipment back with a restocking fee, but in your case there was no fee assessed to you for the return. There is no refund due to you for this.Regarding the early termination fee (ETF) which you claim you would like back, our records show the charge for $395 which was attempted to be debited from your account never actually went through. Our records show you stopped that debit with your bank. Therefore you are not owed any money back. We are sorry to hear you left us, but we would love to gain you back as a customer if ever in the future you would like to come back to our company.

Review: This company gave me a contract where the termination charges where voided and signed. However when I terminated service because

of other unauthorized fees I was charged, they charged me a $780 closure charge and a $600 dollar purchase. I tried calling to resolve the problem but no one is willing to help. I have signed confirmation they received the equipment back and no one has called me back.Desired Settlement: An explanation and refund of the unauthorized charges

Business

Response:

I have reviewed your complaint and have determined that you are due a full credit of $1380 back. I am sorry for the inconvenience and the mistake my office has made in charging you.

Review: I was contacted by [redacted], a salesman for Merchant Services, about my credit card processing. After faxing him a statement from my current processor, he sent me the rates that he could get me. I received the paperwork on August **,2013 but did not get a chance to read, sign and return until Sept **,2013. When the new credit card machine arrived a few days later I connected it and tried to run a credit card to test machine. There seemed to be some kind of malfunction in the machine that caused my phone service to be interrupted and my internet router to malfunction. after talking to tech services from Merchant Services, we were unable to resolve the problem. When [redacted] was told the machine was not going to work with my system, he informed me he was going to try & get a used one for me from one of his current clients. I told him that for the money I was going to be charged for the buyout from my current processor, I was not going to take an old machine that would not be able to process the new type of cards coming out soon. After what became a slightly heated exchange I told him I would send his machine back, at my expense, by UPS.

On October * ,2013 I discovered that my bank account had been charged $13.52 for processing credit cards. The only cards that had been processed were the tests I had run. This charge was done LESS than 30 days from me signing the contract. I then called customer service and then faxed a letter cancelling my contract. This was all done less than 30 days of my signing of the contract. On Nov. *, 2013 I received a call from someone from the retention department wanting to know how they could keep me as a customer. When I told them about the problems encountered with the company I was threatened with collection of the early termination fee. The contract was cancelled before 30 days and I am therefore not liable for that fee, and will not pay. It seems I am being considered under contract since the initial contact of Aug. **, 2013.Desired Settlement: Refund of my $13.52 service charge, $ .16 processing fees for the tests and $15.00 for returning unusable machine, and no further contact from this company or any of it's partners.

Business

Response:

[redacted],

Review: I sent a letter to cancel my services in July .But the person [redacted] that in charge of my account call me and ask me to stay. Mean while I get a letter from Merchant Industry saying that our relationship has come to a end and this was a letter of termination. And I had 30 days to return the equipment that I was using. The letter was dated Aug.**,2013 and I got it Aug.**,2013,that was the same day they took $700.00 from my account. I called [redacted] and he said no problem the money would be returned to me. I called and talked to a [redacted] and she told me it would be there but the following Friday it was not. I kept calling and and was hung up on many many times. So I keeping calling till I got her this same thing want on for a month same old story .So I retuned the credit card machine and [redacted] told me on money Oct.* the machine was there and it would be scanned and my money would be back in my account with in 24 to 48 hours but it was not there. This happen in Aug and I was with them till to end of Sept. But I will not deal with a company that will no return my calls and hangs up on me. And they also charged me a PCi fee $19.99 with I do not owe. I tried to handle this my self but it didn't work. [redacted] told me when he got the credit card machine back . I owed nothing to them and I would be refunded my $ 700.00. I ready hated to do this but I had no choice. And to let you know one day I kept calling to work this out and they blocked calls from my phone number also.Desired Settlement: Pay me back my $700.00 for the credit card machine I returned. And the $19.99 they charged me for not being pci compliance, which I am till Apr.2014.

Business

Response:

I have spoken to [redacted] and have resolved all open issues. Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have worked with Merchant Industry for just under one year in particular with [redacted]. I have been over-charged, on no less than three occasions, and have never been reimbursed the amounts that were promised. The first was the initial month, April 2013, when I was charged a non-use fee as there is a monthly minimum. Unfortunately I was waiting for them to contact me for instructions and was promised I would see the credit on my next statement. I never did. Then I was being charged for PCI Non- compliance for at least an additional four months after I was compliant which I was promised would be refunded to my account. [redacted] said, "look for a credit in 3-5 days". I called regularly to say I had done my part, once talking to [redacted] who was "checking with her supervisor as to why I was "still" being billed for PCI non- compliance.. The third and final straw was when I was charged an annual fee which I was unaware of at $99.00. I asked [redacted] to refund the non- compliance fees and the annual fee (on my March 2014 statement) as he agreed it had not been a year. In the meantime, I was contacted by another merchant who I decided to do business with. I sent in my cancellation in writing, since I had already paid my $99.99- not reimbursed, and then got a $300.00 bill for early termination. It turns out, according to customer service, that early termination was three years or less not one year as I expected. The customer service person said he ([redacted]) has requested refunds for me but they were denied. I requested cancellation by e-mail and fax on 2-**-2014.

I will admit I have fault for the following: When I signed my initial paperwork I told [redacted] that I did not get a copy of the program guide even though I signed a paper that said I did. His response was "you won't need it I have laid it all out." In addition I have fault of not collecting documentation of whom I spoke and dates. I wish I never allowed these people to have direct access to my checking account and if I was in New York I would have met him face to face to complain. I feel the rates they charge for the processing fees are fair but their service is completely lacking and fraudulent. I would recommend not doing business with these people.,Desired Settlement: I think they should admit they over charged me on several occasions. I think I should be refunded by check because they better never use my checking account again. I feel I deserve the following: one $24.70 monthly minimum fee for April 2013, four months of PCI non- compliance $19.99 (x4), a $99.00 annual fee as well as the $300.00 early termination fee. The reasons: I did not have to pay the annual fee because it had not been a year, I requested reimbursement and was told I could have it for the PCI and Non- use, and the $300.00 for early termination because if they had a lick of customer service I would have still been a loyal customer. I am very unhappy with my treatment here and I believe others should know what to expect.

Business

Response:

I'm sorry to hear you were unhappy with Merchant Industry's service. I have looked over your contract with us and see that all charges on your account were legitimate and stated on your contract. Annual fees are usually charged toward the end of the first year, which is exactly what happened with your account. You were set up in March 2013 and you were charged in December 2013 for your annual fees. The early termination fee was also stated on your contract and so were the monthly minimum fees. Overall I do not see any wrongdoing by our company. As you said yourself, the fees that were given to you were fair.

We are willing to refund your early termination fees back to you if you decide to switch your processing back with Merchant Industry.

Unfortunately otherwise we are not able to refund any money to you.

[redacted] is one of our most honest and veteran salespeople working with Merchant Industry since the start, and he usually takes his time to explain all fees to his customers.

Once again, I'm sorry you feel unhappy with service you received. If we can do anything further to assist you, please let us know.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I still have no answer about non-use fee for my first month I joined or the non-compliance fees which I called about several times. As far as me stating my fees were fair I am talking about the fees you charge for the credit card transactions. I was aware of a $300.00 early termination fee, however since I never received my contract in full I would have no idea that it was three years not one until I called to complain. It really does not surprise me you plan to do nothing about my dissatisfaction of your inappropriate fees since I have been trying to get something done for a year before I switched. I still think your company unfairly charged my account and I would never repeat the poor choice I made to do business with you in the first place. If [redacted] is actually your most honorable person on your staff then he should not make promises he cannot keep and that only confirms my opinion of your business integrity.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: Although no credit card services were ever provided to us, Merchant Industry, LLC repeatedly charged our company monthly fees for services rendered. Many attempts to contact them and rectify the problem were either ignored, or refunds were promised that were never received. Our account was handled in a very unprofessional manager and Merchant Industry has lost any trust we may have previously had in them.Desired Settlement: Refund of monthly charges for services that were never received, even after repeated attempts to cancel our account and issue a refund.

Business

Response:

Dear Merchant,

I have spoken to your salesperson and he has informed me that merchant services were not provided to you because they was a major delay in reprogramming your wireless terminal. They had tried to contact the owner for several months and were told that she was on vacation. At the point when they finally got in touch with the owner, the owner decided she no longer wanted the services. At that point the account was prompted to be closed, which it has been. Unfortunately in a situation like this one when attempts at reprogramming machines are not successful, it is the merchants responsibility to reach out to the company so they can set up a time that is convenient for the merchant. A refund cannot be issued to you at this time. Please read your terms and conditions and your contract to see details.

Review: I opened my credit card processing account with Merchant Industry, LLC in July, 2009, using [redacted] as my virtual terminal for processing. They set up the payment processing through FNBO. On September *, 2013, I faxed a letter requesting cancellation of my account effective immediately. Upon receipt of my statement dated September **, 2013 not only was my account still being shown active but I was charged a $79.99 annual PCI fee when I had provided proof of PCI compliance. I contacted the company via emails requesting a refund to no avail. I received my October, 2013 statement reflecting no credit card processing; however, I was charged $37.26 for various miscellaneous charges on a CLOSED account, I thought. I immediately contacted customer service to find out that my account was still being shown "open". I was then transferred to ###-###-####, leaving messages for three days without a call back. On November **, 2013 I sent a certified letter to [redacted], [redacted], Merchant Industry demanding an immediate refund of $117.25. To protect my business, I also placed a stop payment for any payment processing to occur from FNBO, their processing company to avoid any further charges from my account. On December **, 2013 an effort was made to charge my account $495, referencing it as an account cancellation fee. The stop payment went into effect. On December **, 2013 a second attempt was made, this time being put through as a purchase with Merchant Industry for the $495 cancellation fee. Unfortunately, that charge was paid. My initial contract did have a cancellation fee if I canceled the account during the first year. I had been with them for more than 4 years and should NOT have been charged. I have attempted to contact the company repeatedly leaving messages with no return calls. In the meantime, I continue to receive correspondence from TSYS Merchant Solutions demanding the $495 from the stop payment activity. All of my efforts to contact the company have failed!Desired Settlement: $79.99 PCI fee (September 2013)$37.26 miscellaneous account charges (October 2013)$495 cancellation fee (December 2013)

Business

Response:

[redacted],

Review: We have been using this company for our credit card processing for almost 6 years. When I had some issues with them and changed to a different processing company, they charged me $455.55 which they said is for the terminal. Their flyer from when we signed up with them states a free terminal and nothing in our contract shows what we will have to pay for a terminal if we terminate service with them. I feel that if it is not spelled out in the contract, they have no right to charge me that amount for a terminal that is almost 6 years old. I have tried to talk with them about this and all they want to do is get me to come back to their service. They have offered to refund me some money if I come back but then I would have a termination fee with my new provider. I want a full refund of $455.55 for the terminal since they cannot show me any documentation that spells out this stipulation. It is also very hard to understand what the employee is telling me because he has a very thick accent and talks too fast. I asked him to slow down but he still was hard to understand.Desired Settlement: Full refund for $455.55

Business

Response:

Hello, I'm sorry to hear you had an issue with a charge to your bank account for 455.55. But, I have looked into this case for you and read the terms explicitly stated in the contract to which you have signed and unfortunately we are unable to refund you this money. The charge was due to equipment that was not returned. Though the flyer states free equipment, the equipment does not belong to the merchant. The equipment is given with no cost at the time of signing up to be used while processing credit cards with our company. Once the account becomes closed it is your responsibility to return the equipment.it is stated in the terms of the contract as such on page 4, "Client authorizes FDMS and Bank and their affiliates to debit Client’s designated bank account via Automated Clearing House (ACH) for costs associated with equipment hard ware, software and shipping."Unfortunately, since the equipment was not returned, we cannot refund you the $455.55.Please let me know if there are any further questions.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

In all my conversations with Merchant Industry I was never told about returning the equipment. If I understand this correctly, if I return the equipment I will get the $455.55 refunded to me. Is that correct? I would be glad to return the equipment if I am given the information to do so.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Yes our policy is such that if a merchant returns equipment after cancelling, there will be no charge to them. But, unfortunately your account has been closed for some time now, and we would be unable to accept it at this point.

Consumer

Response:

I was contact by phone by the business in reference to complaint ID [redacted], and have accepted the resolution they offered me at that time. The matter has been resolved.

Sincerely,

Review: The seller contacted me about a service and product. The sellers gave me the terms and did not stand by terms given. The seller charged me $64.94 when they

agreed it should of been $9.95. The sales person [redacted] told me over and over she would take care of the mistake, and credit us back the difference of $54.99

It has now been more than a month and she is not taking my phones calls, and the $54.99 has not been credited back. This was a clear case of bate and switich, she got

me to close our account with another processing company by not telling the truth. I have also spoken to [redacted] and [redacted] they did resolve one problem.Desired Settlement: Our money back

Business

Response:

I'm sorry for the unpleasant experience you have had with our company. From the notes I have reviewed on your account, I see that a refund of 204.92 has been issued to your account. Please let me know if there is anything else we can do for you. Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]Proir to the $204 dollar refund,you were suppose to refund $54.99, of the $64.00 that was charged on 10/*/2014 I spoke with [redacted] three times and someone else in youroffice who said it would get taken care of never has. If you guys would of been honorable I had three referrals based on what [redacted] had told me.$29.99 and $25.00 that I was told I woud not be charged.[redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter will be resolved. Waiting on payment as of 12/*/2014

Sincerely,

Business

Response:

We are sorry to hear that you have still not received the check that was sent to you. We have issued another check to the address you have advised for us to send it to. Please allow 7-14 business days to receive it.

Review: We are working for a client, [redacted] out of Florida, who has a cash advance with Merchant Industry. The client would like to payoff the cash advance and take out a business loan with our company and has asked for a payoff letter several times from [redacted], [redacted], and [redacted] yet he has been told that they will not provide a payoff letter nor will they allow the customer to payoff the advance and go to another company. We have called and spoke to [redacted] who has been extremely rude and flat out told our representatives to go * himself and that he is not giving us a payoff letter. We called [redacted], the owner, and have had no response to numerous messages left. We finally spoke to [redacted] (CFO and wife of [redacted]) and she claimed to send the payoff letter to [redacted] but has no proof of this and we have no [redacted] at the company. We asked for the payoff letter to be sent to [redacted] but its been over 2 weeks without receiving anything. The owner of [redacted] is very angry with Merchant Industry and has asked us to change his credit card processing to another company and help him get away from their unscrupulous activities.Desired Settlement: We want the payoff letter as promised by [redacted] sent to [redacted]

Business

Response:

Unfortunately after speaking with you, the customer [redacted] has chosen to receive funding from us. That is why no payoff letter was even provided to you. There is nothing we need to provide to you at this point. Thanks.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I stand behind all of my assertions in this complaint which cost our company $2000 in commission and whoever is responding to our statements is either lying or has no clue as to what they are talking about. I have dated paperwork to prove our statements are true and this business should be closed down by the FTC. Just look at all the other complaints made against this company, they are ss that take advantage of people then refuse to allow them to get out of their loans like a loan shark. I wouldn't doubt if they were mafia thugs the way they treated our client. Why would the Revdex.com have a company like this on their roster is beyond me and makes me seriously consider canceling my membership in this organization. How can the Revdex.com keep people like this?

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

At this point we have gotten our lawyers involved to stop your company from the harassment we have received and continue to receive. We have stated several times that no payoff letter will be given due to the client's request. The client has a loan with us actively and is happy with the services he is receiving. The client can only receive a payoff letter in the instance that they request one in writing, which has not happened. We appreciate for you to stop contacting us about this matter.

Review: Iam filing this complaint against Merchant Industry for poor and unethical business practices.

Dealing with them has been nothing short of a nightmare. About a year ago I was solicited by

this company for my credit card processing business. I operate a small women's boutique in a

hair salon. I told their rep that my card processing volume was very low. He indicated to me that that would not be a problem.

I did check with the Revdex.com about this business and found that there had been problems with

complaints lodged against them. When the rep called me back I told him of my concern

about the complaints I had uncovered. He was very re-assuring and promised that I would

receive excellent service. So, I decided to give Merchant Industry a trial. But their service has

been anything but excellent. I began having problems right away with excessive fees and fee

withdrawals at will from my checking account. After many many attempts to contact a sup-

ervisor at MI and never once getting a return call I decided to pull the plug on this business.

They responded by turning my account over to a collection agency who no doubt will seek

to put this on my credit report if I don't send them a check for $183. Now MI has come out

with another round of charges for May! I have not used any processing services from this

business since November, 2013. These charges are outrages and not justified. Further, none

of the latest charges are related to the equipment I have that I will be returning in the next

week to MI. Iam sorry I ever answered the phone the day I was solicited for my business by

these people. They are not reputable. They are all about money grabbing.Desired Settlement: To rescind all charges they are seeking from me since none of these charges are for

any actual credit card processing transactions. Only trumped up "fees". Further, they

should contact the collection agency they employed to have them cease all collection

activity against me.

Business

Response:

I am sorry to hear that you had a negative experience with our company. We always aim to provide excellent customer service. We are not trying to create any problems for our clients.

I have reviewed your account and see that it is First Data that has placed you into collections for monies owed. It looks like there were rejects stemming from your bank account. Money was not able to be debited from your account. Our company has not placed you into collections for any dollar amount. You will need to communicate with First Data to resolve any negative credit reporting for the collections amount. If I can be of any assistance to you, please do not hesitate to email me at [redacted].

Once again, please feel free to communicate with me and I will try to resolve any issues to the best of my ability.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The response to my complaint by Merchant Industry was not completely forth-

coming. The very reason they were no longer able to access my checking

account was because they were going in and out of my account at will charging

for various "fees". When I tried to contact the company I was never able to talk

with anyone in authority but was always told someone would call me, which they

never did. That was when I put a stop order on my account so that Merchant

Industry could have no further access.

I did speak with a representative at First Data the collection agency this morning

and was told my account was placed into collections because of Merchant Industry

not being able to debit my account. The "fees" they alledge, is not due at all to any

payment processing as there was none. Proper and satisfactory settlement to this

complaint would be that Merchant Industry drop all claims for any "fees" and to

have First Data halt all collection activity against San Remo Sales. Any equipment

in my possession will be returned within the next 72 hours.

Business

Response:

We do not have ability to remove you from collections with First Data. since you did not pay the fees that you were obligated to pay according to your contract, you have been placed into collections with them. You will need to contact them at this point. We cannot be responsible for a merchant's attempt to not pay their fees.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

You have not responded to my complaint but rather you have chosen to shift this

whole unfortunate mess to First Data. I did not sign a contract allowing you to in-

vade my checking account whenever you felt like it and then fail to return my

phone calls when I called to inquire about the charges. Again, fair resolution to this

complaint would be a withdrawal of all collection activity. Please know and under

stand that I will be relentless in my determination to see this to a successful con-

clusion. You people have no ethics.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I cancelled my account with Merchant Services on June [redacted] 2013. The day my equipment was returned with a letter of cancellation.

I called several times to see why I was still being billed and said they could not see or find that I had returned the equipment so they could not cancel my account. They said they would check into it and never called me back. 2 weeks later I called again and gave them the UPS tracking # for the delivered goods that they signed for. All of the sudden they found my equipment and 'cancelled' my account.

I have since been billed ( auto - debit directly from my bank acct ) for the months of July & August ( twice?) for 'Merchant Services' fees and 'Charge Anywhere' associated with the service. I want my account refunded for these charges.

I also recieved a letter stating that I would be charged a $500. fee for unreturned equipment. Again, I had to call to confrim that they did recieve my equipment. After SEVERAL phone calls they said to 'ignore' the letter. I insisted that they fax me a letter stating that they had recieved the equipment and I would not be charged the $500. fee. They emailed me a response.?

I responded to the email with a thank you and a requested that my account be refunded for the over charges with NO response!?

9/*/2013 I was also charged an early termination fee of $395.00.

The Account was not an early termination.

Everytime I call to try and resolve my 'representative' is out of the office. Owners are 'on vacation'. Upper management has not arrived to work yet at 11:00 a.m.? Or am transfered to an extension that rings a few times then promptly hangs up on me.

This needs to be resolved.Desired Settlement: Charges for Merchant Services for thre Months of July 67.94 & on August [redacted] I was billed twice @ 67.94 x 3 = $203.82

Charges for Charge Anywhere for three months @ $18.00 x 3 = $54.00

Charges for early termintaion fee @ $395.00

Total Arbitration for total amount owed $652.82

This amount should be directly deposited into my checking acount.

I have bank statements, emails and all other coorespondence on record.

Business

Response:

Dear [redacted],

I'm sorry to hear that you had trouble reaching us. I do see your complaint and I am working to try and resolve this matter right away.

We would like to refund you Merchant Services fees for the month of August right away.

unfortunately we cannot refund July because although you state that the cancellation letter an equipment was sent over on June [redacted], it can take up to 30 days for the account to be closed. Therefore, you would have been still charged for July charges.

Regarding the early termination fee of $395, it is stated on your contract. We can provide you a copy if need be.

Regarding Charge Anywhere, it is the merchant's responsibility to deal with them directly because they are 3r party company. Please email Charge Anywhere [redacted]. Please provide them your name of business, address, phone number, and reason for cancelling. Also enclose comments regarding your request for the refund you are due. Their phone number is [redacted].

Please let us know if you agree to this. Also you can email me directly at [redacted] or call me at [redacted].

-[redacted]

CFO

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[redacted]-

I appreciate you taking this over. I apoliogize for the attack but I am frustrated with the manner in which this was handled. Plus I feel that monies were taken from my account unjustly.

Thanks for sending the contract. I do have a copy of this which I have a reviewed and it only states that I may be responsible for early termination fees set forth in section 37 which is not a part of this document.

I was with Merchant Services for over 2 years. I can hardly imagine that I was in violation of early termination of my contract.

I still need you to privode me with the proper documentation that states the reason I was charged an early termination of $395.00.

If you can not provide me with this proof I insist that my funds be returned to me along with the double billing in August as you have already agreed to.

Customer service was contacted countless times along with numerous messages to my sales rep '[redacted]'. Response was null.

It's not like this is the first time I have had trouble getting an answer from customer service. This is every time. Otherwise I might not have filed an official complaint.

You might do well to inform your managers of the issue.

Regards

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

[redacted],

Regarding double billing in August as you may suggest, please verify with your bank if you have received an adjustment already directly from First Data. Unfortunately all merchants nationwide had been debited twice from First Data I August and then refunded within a couple of days due to a computer glitch.

Regarding the terms of the Early Termination Fee, you should have received a terms and conditions booklet along with your welcome kit when you first signed up with us in the mail. All language pertaining to the charge would be in there. If you don't have one, I can get one sent to you right away.

It may be faster if we communicate via email at [redacted]. Or you can always call me at [redacted].

Review: We notified Merchant Industry, LLC by US Mail that we wished to no longer utilize their services to process our credit card transactions. They continued to bill us for inactivity fees, statement fees, PCI compliance fees as well as other fees in the following months totaling $693.51. When we discovered they were continuing to debit our bank account we placed calls to our [redacted], [redacted]. Our calls went unanswered. When we finally connected with the corporate office they refuse to offer us any refund of fees for unused services and referred us to our [redacted]. When we finally connected with our [redacted], [redacted], he refused to refund any fees. While continuing to negotiate a return to utilize their company's services, the [redacted], [redacted], told us to hold on to the terminal. Then, without notice, less than 2 weeks later Merchant Industry debited our bank account another $695.00 fee for the terminal and won't refund that until the terminal is received back to them. Since they refuse to pick it up as they said they would, we are now mailing it directly.Desired Settlement: We would simply like to have the fees refunded that they charged after we notified them of our cancellation and after we ceased processing any transactions with them. We are hoping they will keep their word and refund our terminal fee immediately upon their receipt of the sent terminal.

Business

Response:

[redacted],I have investigated your claim thoroughly and have found your claims to be false. Our company never received any form of a cancellation notice from you ever. Our monthly fees that you were being charged are valid. It is your responsibility to follow up if ever a cancellation request was made. It is reasonable to say that you continued receiving monthly statements and debits from us after your claim of cancelling in writing, so therefore you could have followed up to find out why it was never done. Therefore we will not be able to offer you any refunds.Our sales representative you had spoken to, [redacted] had offered you a $250 credit in good faith if you decided to continue processing credit cards through our company. I was informed that you had declined that offer.Also as far as equipment is concerned, once we receive equipment back, we will issue your a refund back for $695.Thank you,Merchant Industry

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The response is not unexpected. Of course they'll say they didn't receive any notification, it's in their best interest to say that. Just like the many other complaints I've read about. The fact remains, I mailed a notice of cancellation as per the agreement. I made numerous calls to my [redacted] that all went unresponded to also. Even as recent as this month my [redacted] told me to hang on to my terminal when he was here rather than pick it up. Then suddenly they deduct $695.00 from my bank account and say they won't return that till I ship back the equipment. When I called my [redacted] his exact words were "They weren't supposed to do that!" So, if even in the words of my [redacted], who is [redacted] for Merchant industry, they are doing things they are not supposed to be doing. The fact remains, Merchant Industry does a lot of things they shouldn't be doing when it comes to charging fees. I had contacted the Revdex.com in hopes of arbitration or a resolution to this matter in hopes of avoiding litigation. All I've heard back is exactly what the company said when I contacted them myself.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Thank you Sir. Please let me know if there is anything further I can assist you with. Have a good day.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Thank you for looking into this matter. I am at a disadvantage because I had trusted this company. I've rarely ever had such problems with anyone I have done business with. When I switched credit card processing companies I notified them via phone and via U.S. mail. I didn't record my phone call, nor did I send the letter registered or with delivery confirmation. When they look at my processing, they can see that all of my transactions went to zero prior to my sending the letter. I've only asked for a refund for subsequent month's processing fees. It's real easy, and quite convenient for them to simply say they never received any notification. I have to wonder if they noticed the letter was simply mailed with no evidence of delivery and decided to take this tactic. When I research Merchant Industry on-line I find many complaints of businesses making the same claims as me with regards to trouble cancelling their account and the business continuing to deduct fees. I also see many complaints on your website with similar allegations. When many businesses are all complaining about the same practices of a company that tells a story in itself. The only backup I have to my story is their pattern of behaviour with others, as documented in multiple instances on your own site, and the fact that all of my transactions ceased at the time I sent them a letter that they claim they never received. Regards, [redacted], [redacted]

Sincerely,

Review: This company will not sever all ties. I believed their policies and commitments and within one week realized that their policies on their end were broken. I served my committed six months of usage and have asked them in writing, fax and via phone to remove me and my information from their data base for I no longer wish to do business with them. I no longer need their service.Desired Settlement: Have them stop contacting me and stop trying to say I owe fees for inactive usage, a machine I never received!

Business

Response:

I am sorry to hear you are upset with our company. Your account has since been closed, but you must return all equipment to us immediately in order to avoid any collection process. The address is [redacted].

Thank you,