Merchants' Choice Payment Solutions, Inc

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. as long as the company does not try to charge me for any early contract closure fees.  When I spoke to the service office, I was told that I would not be charged fees for terminating the contract (which I never opened and has incorrect identifying information on me).  I would like some documentation stating such, as I was only verbally told so by the service office.  Thank you so much for your help.

August 22, 2016                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Ms. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has identified that...

your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. We regret your experience and appreciate you allowing us to investigate these matters. MCPS works with independent sales offices (“ISO”), such as M[redacted], which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. MCPS considers any allegations of misrepresentation and fraud as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. We consider the issues you experienced serious matters and as part of our investigation, we are addressing the solicitation and the account request to close with the ISO representative. Our records indicate that you called MCPS on or about July 18, 2016 to inquire about your account set up and your monthly merchant statement. At such time, the call was transferred to the independent sales office for further assistance.  Although our records do not indicate having received multiple inquiries about your merchant account, in an effort to show good faith in resolving your concerns, MCPS has fulfilled your desired settlement and has closed the Account as of August 22, 2016. Additionally, MCPS will refund you the monthly processing fees for May 2016 through July 2016 totaling $227.47 and will waive the monthly processing fees for August 2016. As such, you will no longer be charged any monthly fees. Thank you for bringing these matters to our attention. Very truly yours, Tell us why here...

December 15, 2016                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Mr. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has identified...

that your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. MCPS does not conduct business as was described and does not condone such practices. MCPS works with independent sales office (“ISO”), such as Merchant Services Partners, which provide card processing services to merchants. Our records indicate the ISO representative called your business on or about August 30, 2016 to offer a new EMV capable terminal and new merchant processing services. Our records further indicate that a [redacted] terminal was properly set up and was sent to the business address on file on or about August 31, 2016. Although our records do not indicate any correspondence or inquiry to our Technical Support Group regarding the compatibility of the terminal, MCPS has reached out to ISO to confirm any inquiries. Had MCPS received such request, we would have provided the requested equipment. All fees charged to the merchant account for payment cards were clearly disclosed and stated on the signed Agreement in Section IV titled ‘Rates and Fees’. Furthermore, the amounts charged to your merchant account by MCPS are described in detail in each monthly statement. As requested, please find the enclosed copies of the monthly statements from the inception of your merchant account. We regret your customer service experience and apologize for any inconvenience this may have caused you and your business. We are addressing the customer service issues mentioned in your letter with the independent sales office in order to improve our service levels and to ensure such issues do not reoccur. In an effort to show good faith in resolving your concerns, MCPS has closed the Account as of December 15, 2016 and will waive the outstanding processing fees of $480.02 for August 2016 through November 2016. As such, you no longer have an outstanding balance with MCPS and all financial obligations are satisfied. Please be advised that this matter has not been reported to any credit reporting bureaus. Please note that upon closure of the account, the Merchant Payment Card Agreement between MCPS and the Merchant is cancelled and MCPS hereby releases Merchant from any further obligations under the Agreement. Very truly yours, Katia [redacted]   Tell us why here...

November 22, 2016   Submitted Electronically                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your...

complaint and has identified that your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. We regret your experience and appreciate you allowing us to investigate this matter. MCPS works with independent sales office (“ISO”), such as Merchant Services Partners, which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. MCPS prohibits independent sales offices from implying or insinuating that it is a prospective merchant’s current processor.  MCPS considers any allegations of misrepresentation as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. We consider the issues you experienced serious matters and as part of our investigation, we are addressing the solicitation and customer service issues with the ISO. Our records indicate that the sales representative at no time represented that he was associated with your current processor. The sales representative clearly states that he is with Merchant Service Partners. Additionally, all documents sent to Merchant also clearly identify MCPS. The Merchant had the opportunity to review the documents provided and ask MCPS and/or Merchant Services Partners any questions. The Merchant electronically signed the merchant application on September 20, 2016. We regret your customer service experience and truly apologize for any inconvenience this may have caused you and your business. In an effort to show good faith in resolving your concerns, MCPS will fulfill your desired settlement and has closed the account as of October 31, 2016 without penalty and will refund you the monthly processing fees of $134.17 for September 2016. Additionally, MCPS will waive the processing fees for October 2016 and you will no longer be charged any additional fees.  Thank you for bringing these matters to our attention. Regards, Katia L[redacted], Esq. Tell us why here...

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me, except the status of the [redacted] Terminal has not been addressed. I am willing to overlook this detail however, as I have received new equipment at no cost to me from [redacted].  Thank you for your help addressing this complaint.Brad C[redacted]

September 8, 2015
Submitted Electronically
Re: Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions
Dear Ms. [redacted],
Merchants’ Choice Payment Solutions (“MCPS”) has received your letter regarding the merchant services account for [redacted] and this represents its...

response. It has come to our attention that this is the second notice regarding this matter. We apologize for the delayed response and for any inconvenience this may have caused.
According to our records, you entered into a Merchant Bankcard Application/Agreement (“Agreement”) with MCPS on or about August 15, 2012. According to our investigation, MCPS did not receive any request from you to cancel the Agreement, verbally or in writing, until your telephone call on or about August 10, 2015. Further, our investigation reveals that you confirmed via telephone to one of our representatives, that you had not contacted MCPS regarding your merchant services since 2012 because you had not had any issues with the service. As such, you did not cancel your account in January 2014 as stated in your complaint and we had no indication of your intent to cancel your merchant account prior to August 10, 2015. Therefore, we billed your account pursuant to the agreed upon terms.
The lack of processing activity through your account is not an indication of account closure nor is it a written request to cancel the Agreement. Only your written or verbal request to cancel the Agreement will notify us of your intent to cancel. As such, MCPS properly charged the account pursuant to the Agreement. Enclosed is a copy of the Agreement along with the current terms and conditions for your review.
MCPS values its merchants and wants to ensure they feel confident transacting business with us. Although we did not receive a request to cancel in January 2014 in an effort to show good faith in resolving your concerns, MCPS has closed your account as of August 20, 2015. Additionally, MCPS has refunded the three (3) most recent monthly services fees totaling $218.70 as of September 8, 2015 via ACH and you will not be charged any additional monthly fees.
Please feel free to contact the undersigned if you have any additional questions or concerns.
Regards,

July 20, 2016                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Ms. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has identified that...

your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. We regret your experience and appreciate you allowing us to investigate these matters. According to our records, Merchant entered into a Merchant Payment Card Application/Agreement (“Agreement”) with MCPS on or about June 18, 2013. Pursuant to Section 8.1 of the Agreement, the terms provide that the initial term is for a period of three years with an automatic renewing term of additional three year periods unless terminated by any party upon written notice at least thirty (30) days prior to the end of the then existing term. As such, the Agreement automatically renewed for an additional term on June 19, 2016. For your review, please find the enclosed copy of the Agreement and the Terms and Conditions. Our investigation reveals that you contacted MCPS on or about October 16, 2015, to request closure of the account. At that time, you were informed of the cancellation procedures as well as the applicable fees and the contract expiration date. Our records indicate that on October 20, 2015, you were provided an account closure request form to fill out and sign in order to fulfill your cancellation request.  Our records indicate that the cancellation form was sent via fax to telephone number (281) 465-2501; however the fax number to the Retention department is (281) 465-2596. As such, we never received the Notice of Cancellation form and the account remained open. Although we did not receive the Notice of Cancellation form until July 12, 2016, in an effort to show good faith in resolving your concerns, MCPS will honor your request to cancel as if it had been received on October 20, 2015 and will refund you the monthly service fees assessed subsequent to that day which includes the service fees for November 2015 through June 2016 totaling $631.20. Please note that MCPS has closed the Account as of July 12, 2016 and will waive the early termination fee and the monthly processing fees of $78.90 for July 2016. As such, you will no longer be charged any monthly fees.  Thank you for bringing this matter to our attention. Very truly yours,

August 12, 2016                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Mr. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your response regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. MCPS regrets your experience and appreciates you allowing us to investigate this matter. As previously stated, MCPS as the merchant services provider, is not the ultimate decision maker of a disputed chargeback transaction and does not have influence on the outcome of a disputed transaction. Such outcome is decided by the independent third party chargeback processing service provider. MCPS regrets your experience and apologizes for any inconvenience this may have caused you and your business.  In an effort to resolve your concerns, MCPS will close your merchant account within five (5) business days of the date of this letter without penalty and will waive any outstanding monthly processing fees. As requested, please contact Ms. Sophia [redacted], General Counsel of MCPS, at (281) 583-4475. Regards, Katia [redacted], Esq.

November 18, 2016   Submitted Electronically                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions [redacted] Merchants’ Choice Payment Solutions (“MCPS”) has received your...

complaint and has identified that your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. We regret your experience and appreciate you allowing us to investigate this matter. MCPS works with independent sales office (“ISO”), such as [redacted] which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. MCPS prohibits independent sales offices from implying or insinuating that it is a prospective merchant’s current processor.  MCPS considers any allegations of misrepresentation as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. We consider the issues you experienced serious matters and as part of our investigation, we are addressing the solicitation with the ISO representative. We requested information from [redacted] about the merchant solicitation. Our records indicate that the sales representative at no time represented that he was associated with your current bank, [redacted] Bank. The sales representative clearly states that she is with [redacted]. Additionally, all documents sent to Merchant also clearly identify MCPS. The Merchant had the opportunity to review the documents provided and ask MCPS and/or [redacted] any questions. The Merchant signed the merchant application on August 22, 2016. Concerning your issue with receipt of the same model terminal as your preexisting terminal, our records indicate that, as a courtesy, ISO sent you a [redacted] as an equipment swap rather than having you reprogram your existing terminal with the [redacted] Our records indicate that ISO requested that you complete a Merchant Resolution Form, not a contract confusion form as you mentioned in your letter, so that they could accommodate your concerns. Furthermore, in an effort to show good faith in resolving your concerns, MCPS will fulfill your desired settlement and will refund you the monthly processing fees for August 2016 through October 2016 totaling $ 147.95. Additionally, as previously agreed, MCPS has closed the Account effective November 18, 2016 and will waive the early termination fee of $495. As such, you will no longer be charged any monthly fees.  If you have any additional questions or concerns, please feel free to contact the undersigned. Regards,   Katia L[redacted] Esq. 281.583.4463 Tell us why here...

Submitted Electronically                   Re:  Revdex.com Case No. [redacted] – [redacted] Response Systems, Inc.Dear Ms. [redacted],Please be advised that [redacted] Response Systems, Inc. forwarded your complaint to Merchants’ Choice Payment Solutions (“MCPS”). MCPS has identified that your complaint is regarding the merchant account for [redacted] and has confirmed that MCPS has an existing business relationship with [redacted] (the “Merchant”). This represents MCPS’ response. MCPS does not conduct or condone business practices as was described. MCPS works with independent sales offices (“ISO”), such as Merchants’ Services Partners (“MS Partners”), which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative to prospective merchants. MCPS considers any allegations of misrepresentation or fraud as serious matters and thoroughly investigates them to ensure compliance with MCPS requirements.  We regret your customer service experience and apologize for any inconvenience this may have caused your business. We are addressing the length of time it took to address your inquiries with ISO in order to improve our service levels and to ensure such issues do not reoccur. Therefore, in an effort to show good faith in resolving your concerns, MCPS will fulfill your desired settlement and has closed the Account as of January 5, 2017 without penalty and will refund you the account set-up fee of $95.  Additionally, MCPS will send a prepaid shipping label to your business address for the return of the provided equipment. Please contact Katia [redacted] at [redacted] if you do not receive the refund or shipping label within 3-5 business days of the date of this letter. Thank you for bringing this matter to our attention.  Regards,

May 26, 2017 Submitted Electronically                 Re:  Revdex.com Case No. [redacted] – Merchants' Choice Payment Solutions Dear [redacted], Merchants' Choice Payment Solutions (“MCPS”) has received your complaint submitted to the Revdex.com and has identified that the complaint is regarding the merchant account for [redacted]. This represents MCPS' response. MCPS works with independent sales offices (“ISO”), which refer merchants to MCPS for card processing services. According to our records, Merchant entered into an Equipment Lease Agreement on or about November 20, 2015. Pursuant to the Agreement, in the event the FD 130 terminal and FD 35 pin pad (“Equipment”) are not returned after the expiration of the lease, the cost of the equipment is billed to the Merchant. As such, Merchant was debited $895 for the value of the Equipment. Our records indicate that ISO spoke with Merchant and verified business information over the telephone on or about February 23, 2016. Our records further indicate that ISO sent a prepaid shipping label to the business address on file on or about February 25, 2016. To date, our records do not indicate receipt of the Equipment. As such, MCPS respectfully requests the return of the Equipment. Please note that once you return the Equipment in proper working condition to us, MCPS will credit your account for $895. Please be advised that MCPS will send a prepaid shipping label to the address provided in the complaint for the return of the Equipment. Thank you for bringing these matters to our attention. Regards,

December 8, 2016   Submitted Electronically                   Re:  Revdex.com Case No. [redacted]– Merchants’ Choice Payment Solutions Dear Mr. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your...

complaint and has identified that your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. We regret your experience and appreciate you allowing us to investigate this matter. MCPS works with independent sales office (“ISO”), such as Merchant Services Partners, which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. MCPS prohibits independent sales offices from implying or insinuating that it is a prospective merchant’s current processor.  MCPS considers any allegations of misrepresentation as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. Our investigation reveals that the sales representative at no time represented that she was associated with your current processor. The sales representative clearly states that she is with Merchant Service Partners. Additionally, all documents sent to Merchant also clearly identify MCPS. The Merchant had the opportunity to review the documents provided and ask MCPS and/or Merchant Services Partners any questions. The Merchant signed the merchant application on August 30, 2016. MCPS wants its merchants and potential merchants to feel confident conducting business with MCPS. Therefore, in an effort to show good faith in resolving your concerns, MCPS will fulfill your desired settlement and has closed the account as of November 30, 2016. Additionally, MCPS will refund the reduced early termination fee of $395. Please contact the undersigned if you do see such funds in your bank account within 3-5 business days of the date of this letter. Thank you for bringing these matters to our attention. Regards, Katia [redacted]. 281.583.4463

Re: MCPS Response to Pattern of Complaints Letter   To Dispute Resolution Team:   On May 17, 2017, the Revdex.com of Metropolitan Houston notified Merchants’ Choice Payment Solutions (“MCPS”) that it has identified a pattern of complaints.  MCPS’s position regarding the Revdex.com’s identified...

pattern is that it is based on inaccurate and false information provided by the complainants and as such, is misleading and damaging to our business reputation.     MCPS has investigated each individual complaint received from the Revdex.com, including listening to telephone messages and calls, when available.  MCPS provides that neither it nor its independent sales agents indicate it was a complainant’s current processor. The complainants executed documents clearly identifying MCPS as the payment processor with whom they were applying for services, and in some instances, acknowledging that they were cancelling their processing services with their former processor and switching to MCPS, and that complainants failed to acknowledge repeated identification by MCPS in telephone calls.    MCPS Business Structure   MCPS provides merchant payment card processing services on behalf of [redacted] (“WNB”).  Independent Sales Organizations (“ISOs”) and independent sales agents associated with ISOs throughout the country provide MCPS products and services to merchants.  As such, MCPS provides guidelines to the independent sales agents which include clearly identifying MCPS and themselves to prospective merchants.             Information Provided By Revdex.com   “Merchants’ Choice Payment Solutions, Inc. is using deceptive sales practices to sell new credit card machines to companies.”               MCPS does not sell credit card machines.  MCPS provides payment card processing services and as part of those services, may provide processing equipment to the merchant at no cost or, in limited instances, through a third-party equipment lease.  Merchants may always use their own equipment as long as it is compatible with MCPS payment card processing services.               MCPS provides accurate information to prospective merchants and its independent sales agents are prohibited from providing misleading information.  Sales practices are not deceptive when accurate information is provided to complainants which they fail to read, listen to, or properly recall and on which they make incorrect assumptions.    “Complainants are informed by Merchants’ Choice that their current credit card machine carrier and the current machine needs to be replaced to meet Payment Card Industry Data Security Standards.”   MCPS prohibits independent sales agents from identifying themselves as a prospective merchant’s current processor as well as insinuating, implying or otherwise representing the same.  Independent sales agents are required to clearly identify themselves as providing services on behalf of MCPS.   MCPS’ independent sales agents inform merchants and prospective merchants about mandatory PCI PED updates that are required by the payment card industry data security standards (“PCIDSS”)..   Independent sales agents discuss the requirements with merchants as well as prospective merchants to determine whether the equipment they are currently using is compliant with the PCIDSS and if they are in need of new equipment, how MCPS can provide it to them. Additionally, independent sales agents may also inform them of the upcoming EMV chip technology that older credit card machines are not setup to accept and offer merchants EMV enabled terminals at no cost if they wish to sign up for MCPS payment card processing services.    “Upon realizing that they are now dealing with a new company, attempts are made to contact Merchants’ Choice which go unanswered and subsequently the complainant would be under contract with Merchants’ Choice Payment Solutions, Inc. for 2-4 years.”               All documents executed by merchants include the MCPS name, [redacted] name, or in certain instances the ISO name on each document, most often at the top of the page.  Additionally, for those merchants who execute Free Equipment Placement forms they acknowledge that MCPS is providing the equipment.  For those merchants who execute Notice of Cancellation of Previous Bankcard Processing Account forms, they acknowledge that they are fully aware of the fact that they are electing to change their existing processing company to Merchants’ Choice Payment Solutions.  Merchants receive monthly account statements provided by [redacted] and when they contact customer service the calls are answered in the name Merchants’ Choice or the name of the ISO offering MCPS product and services (if the merchant contacts the ISO directly).               MCPS strives to provide excellent customer service and promptly respond to all inquiries.   Our goal is to be responsive to merchants and available to address their questions and concerns; however, as with all large businesses, there are occasional instances where this does not happen.  In the event those isolated instances are brought to our attention, we investigate and implement changes when required to prevent similar occurrences in the future.  MCPS is continually reviewing its processes and procedures to address and prevent such instances. Additionally, in the event we determine that an independent sales agent has been unresponsive to a merchant, MCPS may issue a warning to the sales agent or terminate their ability to market and refer businesses to MCPS.               In a number of complaints MCPS investigated, it was discovered that MCPS or the ISO responded to the merchant within 24-48 hours of their call, but the merchant was unavailable to speak with the MCPS or ISO representative. In some instances, the complainant filed a complaint claiming that MCPS did not respond, even though MCPS or the ISO attempted to do so, and therefore MCPS or its ISO was unable to inform the business of the grace period during which they could cancel without a fee prior to the business filing a complaint.         “When complainant tries to cancel prior to the end of this long contract, a large cancellation fee is charged.”   MCPS payment card processing agreements provide for an early termination fee in the event the merchant terminates the agreement before the expiration of the current term.  In most cases, merchants have a 30 to 45 day grace period in which to cancel their services without incurring the early termination fee. Our standard early termination fee is $495, which is in line with early termination fees within the payment card processing industry.      MCPS Complaint Investigation Procedure   In addition to maintaining records of all agreements as executed by our merchants, MCPS maintains records of calls and inquiries received from customers and responses and actions taken by MCPS.  In the event of a complaint, these documents and calls are available for review in order to determine what occurred and what, if any, remedial measures should be taken to resolve the complaint.  Each complaint is investigated individually to ensure that our procedures and guidelines are being properly implemented and followed by our employees and agents.   If a complainant alleges deceptive sales practices or other similar practices, MCPS will review the call notes from both our internal customer service department and the independent sales office that referred the merchant application to us, if available.  Additionally, if call recordings are available, MCPS reviews each telephone call with that merchant or prospective merchant.  This process allows us to determine what information was provided to the merchant and whether there was any miscommunication of that information.   MCPS’ Efforts To Eliminate Complaints   ISO Marketing & Sales Reviews   Although MCPS’ position remains that its conduct in the complaints identified by the Revdex.com was not deceptive or misleading, upon receipt of complaints alleging similar facts, we conducted a review of our ISO solicitation procedures which included reviewing telephone calls, prerecorded messages, and incoming recordings.   As a result, we implemented changes with certain ISOs, which included revisions to their greetings.    Furthermore, MCPS conducts full annual reviews of large ISOs, which includes ISOs that conduct telephone marketing as well as those that conduct face-to-face sales.  The annual review includes a review of their marketing processes and marketing materials.   Independent Sales Agent Marketing & Sales Reviews   We prohibit all independent sales agents who provide MCPS products and services from insinuating, implying or otherwise representing themselves as providing services for the prospective merchants’ current processor.  In the event MCPS determines they have engaged in such conduct, they are immediately terminated.  MPCS’ Sales Agent Agreements include guidelines and requirements for independent sales agents.  MCPS does not hesitate to take remedial action with independent sales agents who do not follow our guidelines and/or ISO procedures.    Upon noticing an individual sales agent is the subject of a repeat complaint, MCPS will issue a warning to the sales agent and in the event the conduct continues, MCPS will terminate the agreement with the sales agent.  In some instances, MCPS may immediately terminate the sales agent agreement.   MCPS’ Future Efforts To Eliminate Complaints   Text for Revdex.com Business Profile   In an effort to eliminate unsubstantiated complaints, MCPS would like to include in its business profile text that will provide information to consumers about services offered and its Merchant Payment Card Agreements.  MCPS’ proposed text will include the following information:   Merchants’ Choice Payment Solutions (“MCPS”) is a full service provider of processing services that enable merchants to accept all major payment options including Visa, Discover, MasterCard, American Express, debit cards, electronic benefits transfer, checks, gifts & loyalty cards and Fleet management.   MCPS is a registered ISO/FSP of [redacted], Houston, Texas and registered ISO of Wells Fargo Bank, N.S., Walnut Creek, CA.   MCPS’ products and services are offered to merchants through independent sales agents.   Please note that our Payment Card Processing Agreement requires written notice of cancellation at least 30 days prior to the expiration of the current term and will automatically renew if notice of cancellation is not timely received.  An early termination fee will be assessed in the event of cancellation prior to the expiration of the current term.    Merchants may contact MCPS regarding questions or concerns about our services, Payment Card Processing Agreement and Terms & Conditions, independent sales agents, and monthly statements at (800) 327-0093.   MCPS values its merchants and strives to ensure they feel confident transacting business with us.  We work to provide excellent customer service and to promptly address merchant inquiries and concerns.

April 12, 2017Submitted Electronically                Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment SolutionsDear Mr. [redacted],Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has...

identified that your complaint is regarding the merchant accounts for [redacted] (the “Merchant”). This represents MCPS’ response.MCPS works with independent sales office (“ISO”), such as Merchant Services Partners, which refer merchants to MCPS for card processing services. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such products and services. These guidelines include clearly identifying MCPS and the products and services offered to prospective merchants. In addition, we regularly review calls to ensure such guidelines are followed. According to our records, the ISO representative called your business on or about August 3, 2016 to offer a new EMV enabled terminal and merchant processing services. Although the representative disclosed that they were calling from Merchants Services Partners and was offering new equipment, there seems to have been miscommunication concerning the products and services offered. MCPS values its merchants and potential merchants and wants to ensure they feel confident transacting business with us. Therefore, in an effort to show good faith in resolving your concerns, MCPS will fulfill your desired settlement and has closed both merchant accounts as of April 12, 2017 and will waive the applicable early termination fee of $495 for both accounts. Thank you for bringing these matters to our attention.Regards, Tell us why here...

November 27, 2015
Submitted Electronically
Re: Revdex.com Case No. [redacted] – Merchants’ Choice Card Service;
Dear Mr. [redacted],
Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint submitted to the Revdex.com and is unable to identify which merchant account your complaint is...

regarding. As such, please provide the business name or the last five (5) numbers of the merchant account.
Please feel free to contact the undersigned directly at (281) 583-4463 or kl[redacted]@mcpscorp.com to resolve this matter.
Regards,
Katia L[redacted], Esq.
Associate Counsel
Merchants’ Choice Payment Solutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  
I just received a check from the company so I consider the case closed.  Thank you for your assistance in this matter.  [redacted]

September 2, 2016                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Ms. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has identified...

that your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response. We regret your experience and appreciate you allowing us to investigate these matters. MCPS works with independent sales offices (“ISO”), such as Merchant Services Partners, which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. MCPS considers any allegations of misrepresentation as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. We consider the issues you experienced serious matters and as part of our investigation, we are addressing the solicitation with the ISO representative. In an effort to show good faith in resolving your concerns, MCPS has fulfilled your desired settlement and has closed the Account as of September 2, 2016. Additionally, MCPS will refund you the monthly processing fees for August 2016 totaling $96.80. As such, you will no longer be charged any monthly fees. Thank you for bringing these matters to our attention. Very truly yours, Tell us why here...

June 29, 2016                 Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment SolutionsDear Mr. [redacted],Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has identified that...

your complaint is regarding the merchant account for [redacted] (the “Merchant”) and this represents its response.We regret your experience and appreciate you allowing us to investigate these matters. MCPS works with independent sales agents (“ISO”), which provide card processing services to merchants. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. Please note that as part of our business practices, the sales representatives who contact prospective customers are instructed to send the Merchant Payment Card Application/Agreement (“Agreement”), which includes the terms and conditions upon approval of the Agreement. Additionally, pursuant to Section V (iii) Association Disclosure & Merchant Acceptance of the Agreement, “an additional copy of the Terms and Conditions will be sent to the business entity indicated above along with the welcome letter upon approval of such business entity to accept payment cards by bank.” MCPS sends the welcome letter along with a copy of the agreement and the terms and conditions. Our records indicate that the Welcome Letter along with the Agreement and Terms and Conditions were sent to the business address on file on or about March 3, 2016. MCPS considers any allegations of misrepresentation as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. We consider the issues you experienced serious matters and as part of our investigation, we are addressing the solicitation and the application/agreement with the ISO representative.MCPS values its merchants and wants to ensure they feel confident transacting business with us. In an effort to show good faith in resolving your concerns, MCPS has fulfilled your desired settlement and has closed the Account as of June 8, 2016 and will waive the early termination fee. As such, you will no longer be charged any monthly fees.  Please note the Agreement between you and MCPS was cancelled upon account closure. Additionally, our records indicate that the [redacted] terminal was returned to MCPS on or about June 27, 2016.Thank you for bringing this matter to our attention.Very truly yours, Tell us why here...

April 25, 2017   Submitted Electronically                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Ms. [redacted], Merchants’ Choice Payment Solutions (“MCPS”) has received your...

complaint submitted to the Revdex.com and has identified that the complaint is regarding the merchant account for Eleven Acres. This represents MCPS’ response. MCPS does not conduct business as described and does not condone such business practices. MCPS works with independent sales offices (“ISO”), which refer merchants to MCPS for card processing services. Therefore, we make every effort to ensure that ISOs and their representatives identify themselves when offering merchant services and we provide guidelines to such ISOs who offer such services. These guidelines include clearly identifying MCPS and the representative and the products and services to prospective merchants. Please note that the sales office is not aware of which processing company or the account number a prospective merchant is currently using. Additionally, MCPS prohibits independent sales offices from implying or insinuating that it is a prospective merchant’s current processor. MCPS considers any allegations of misrepresentation as serious matters and thoroughly investigates them in order to ensure compliance with MCPS requirements. We have requested information from ISO about the merchant solicitation. Additionally, all documents sent to the merchant clearly identify MCPS, including the Merchant Payment Card Application/Agreement (“Agreement”). ISO sent the documents for setting up a new merchant account to you via email at [redacted]. You had the opportunity to review the documents provided and ask MCPS or ISO any questions. Our records indicate that you signed the merchant application on or about June 8, 2016, thereby consenting to the opening of a new merchant account. For your review, please find the signed Agreement and the signed Banking Verification Form, which contains certain personal and banking information. MCPS values its merchants and potential merchants and wants to ensure that they feel confident transacting business with us. Therefore, in an effort to show good faith in resolving your concerns, MCPS has fulfilled your desired settlement and has closed your account as of April 25, 2017. As such, you should no longer be charged any additional fees. Thank you for bringing these matters to our attention. Regards, Tell us why here...

Sent: Monday, December 28, 2015 2:43 PM To: drteam Subject: Follow up: Revdex.com Complaint ID [redacted] Importance: High   Hello:   We have received a notification regarding the above referenced complaint. Please find the enclosed response letter. Please note it is MCPS’ intention to fully resolve this matter to the satisfaction of the consumer.   Please contact the undersigned if you need any additional information to fully resolve this matter.   Regards,   Katia [redacted] Associate Legal Counsel Merchants' Choice Payment Solutions