Merchants' Choice Payment Solutions, Inc

November 30, 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 does not conduct business as was described. 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 October 18, 2016 to offer a new [redacted] and merchant processing services. Our records further indicate that a request for a [redacted] was submitted on or about October 20, 2016. Concerning your statement about the [redacted] ISO confirmed that our records do not indicate that we received an additional request for a [redacted] Had we received such request, we would have provided the requested equipment. For your review, please find the enclosed Free Equipment Placement Form on file. We strive to provide excellent customer service. 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 without penalty and will refund you the processing fees of $72.58 for October 2016. Additionally, as requested, MCPS will send a prepaid shipping label to your business address on file for the return of the [redacted]. Please note that upon account closure, the Merchant Payment Card Agreement between Merchant and MCPS is cancelled. As such, you are released from any further obligation under the Agreement. Thank you for bringing these matters to our attention. Regards, Katia L[redacted] Esq. Tell us why here...

May 5, 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 and has identified that your complaint is regarding the merchant accounts for [redacted] (the “Merchant”). This represents MCPS’ response. We regret your experience and appreciate you allowing us to investigate these matters. [redacted] works with independent sales office (“ISO”), such as Merchant Services Partners, which refer merchants to [redacted] 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 [redacted] and the products and services offered 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 unless the prospective merchant provides a copy of their current merchant processing statement to ISO to conduct a rate review. 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. According to our records, the ISO representative called your business on or about April 6, 2017 to offer a new EMV enabled terminal and merchant processing services. Although the representative disclosed that she was calling from Merchants Services Partners and was offering new equipment, there seems to have been miscommunication concerning who Merchant Services Partners was. MCPS values its merchants and potential 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 closed the merchant account as of April 26, 2017 and will waive the early termination fee. As such, you should no longer receive any additional correspondence regarding this matter. Thank you for bringing these matters to our attention. Regards, Tell us why here...

February 1, 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 and has identified that your complaint is regarding the merchant account for [redacted]’s [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 signed the merchant application on August 1, 2016. We regret your customer service experience with ISO and will reach out to ISO to address the length of time it took to address your concerns. Furthermore, in an effort to show good faith in resolving your concerns, MCPS has closed the account without penalty as of January 25, 2017. Additionally, MCPS has refunded you the monthly processing fees for October 2016 and November 2016 totaling $231.80 as of January 25, 2017 and you will no longer be charged any additional fees. Please be advised that upon account closure the Agreement between Merchant and MCPS is cancelled and you no longer have any financial obligation under the Agreement. Thank you for bringing these matters to our attention. Regards, 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. I do want to clarify that they presented themselves as [redacted] and not Merchant's Choice.  [redacted] which is our bank, also has a Merchant Services and this is what caused all of the confusion. Also,  I never received a Merchant Resolution Form and this was never mentioned.  I was emailed a Contract Confusion Form .  It was not explained that the [redacted] was an equipment swap.  The salesperson, [redacted] stated that our "bank card processing machine was out of date." I would hope in the future when they are contacting other customers, that the please clarify that they are Merchants Choice and process through [redacted] Sincerely,[redacted]

Revdex.com:
This letter is to inform you that Merchants' Choice Payment Solutions, Inc has carried out to my satisfaction the resolution it proposed for my complaint, filed on 12/2/2015 and assigned ID [redacted].
Regards,

December 11, 2015
Re: Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solution
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] and this represents its...

response.
We regret your experience and appreciate you allowing us to investigate the matter. We consider the issues you experienced serious matters and as part of our current investigation, we are reviewing this issue and will implement any necessary changes.
Our records indicate that on or about August 20, 2015 you contacted the independent sales office, Merchant Choice Payment Solutions Partners (“ISO”) regarding a $95 set-up fee. Our records indicate that on August 21, 2015 MCPS refunded the set-up fee to your bank account. Our records indicate that you contacted ISO on or about August 28, 2015 regarding off-season fees. At such time, ISO offered to place a request to review your monthly service fees during the off season.
Additionally, our records indicate that on or about September 21, 2015, you contacted ISO inquiring about the cancellation of your merchant account due to fees. According to ISO, ISO offered to refund the monthly service fees for September 2015 and the overdraft fee of $30 if you honored the terms of the agreement for the three year initial term. Our records do not indicate whether or not you accepted ISO’s offer.
Although ISO has attempted to resolve this matter with you, in an effort to show good faith in resolving your complaint, we will refund $174.95 and your account will be closed as of December 14, 2015.
Regards,
Katia [redacted], Esq.
Merchants’ Choice Payment Solutions
Direct: 281-583-4463
email: k[redacted]@mcpscorp.com

MCPS does not conduct business as was described. MCPS works with independent sales offices which provide card processing services to merchants. Therefore, we make every effort to ensure that [redacted]s and their representatives identify themselves when offering merchant services and we provide guidelines to such [redacted]s who offer such services. MCPS regrets your experience and appreciate you for allowing us to investigate the matter. MCPS strives to provide excellent customer service and appreciates your feedback to improve our customer service levels. In an effort to resolve your concerns, MCPS has closed the account and you will no longer be charged any additional fees. Thank you for bringing these matters to our attention.

May 1, 2017   Submitted Electronically                   Re:  Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions Dear Ms. Olson, Merchants’ Choice Payment Solutions (“MCPS”) has received your...

complaint and has identified that your complaint is regarding the merchant account for [redacted] (the “Merchant”). This represents MCPS’ response. We regret your customer service experience and appreciate you allowing us to investigate these matters. MCPS works with independent sales offices (“ISO”), which provide card processing services to merchants. Our investigation reveals that MCPS received your written Notice of Cancellation on or about March 20, 2017. Our investigation further reveals that a request to close the account was submitted on March 21, 2017; however, the account was not closed due to an open batch. Our records indicate that you last processed payment cards on or about xx. 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 will fulfill your desired resolution and will refund the annual fee of $89 for the closed account and will waive any outstanding processing fees. Please note that MCPS will send the refund to the business address on file. Please feel free to contact the undersigned if you do not receive the refund within 5-7 days of the date of this letter. Thank you for bringing these matters to our attention. Regards, [redacted] Associate Counsel [redacted] Tell us why here...

September 12, 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 MCPS 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 and customer service issues with the ISO. 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 12, 2016. Additionally, MCPS will refund you the monthly processing fees for April 2016 through June 2016 totaling $227.60 and will waive the outstanding processing fees for July 2016 and August 2016. As such, you will no longer be charged any monthly fees. Please note that MCPS will send a refund check for the above-referenced amount to the business address on file. Thank you for bringing these matters to our attention. Very truly yours, 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.  
I have reviewed our bank account and do not see any charges for the month of July, so I am closing the case. Thank you for the assistance in this matter.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  
Sent: Tuesday, December 06, 2016 7:43 AM Subject: Claim resolution   This is to confirm that the claim ID #[redacted] - Merchant's Choice Payment Solutions has been resolved.  [redacted]. feel that the case has been resolved.  We appreciate the Revdex.com of Metropolitan Houston for their assistance in solving this matter.   Regards, [redacted]  President

July 28, 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] LLC (the “Merchant”) and this represents MCPS’ response. We regret your experience and appreciate you allowing us to investigate this matter. MCPS works with independent sales agents (“ISO”), which provide card processing services to merchants. According to our investigation, you entered into a Merchant Payment Card Application/Agreement (“Agreement”) with MCPS on or about March 26, 2015. Our records indicate that you contacted MCPS on or about February 10, 2016, to inquire about cancelling your account. At such time, the customer service representative transferred the telephone call to your independent sales office for further instruction. Our records also indicate that ISO attempted to reach you on multiple occasions; however, on each follow-up attempt ISO did not receive a response and left a voicemail message. Per our records, we have not received a written notice of cancellation from you despite the various telephone calls. Had we received such letter, your request for closure would have been completed promptly.  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 will fulfill your desired settlement and will honor your request to cancel as if the written notice to cancel had been received on February 10, 2016. As such, MCPS will refund you the monthly service fees assessed subsequent to that day which includes the monthly service fees for March 2016 through June 2016 totaling $241.60 and will waive the monthly service fees for July 2016. Additionally, MCPS has closed your account as of July 28, 2016 and will waive the applicable early termination fee. As such, you will no longer be charged any additional fees. If you have any additional questions or concerns, please contact the undersigned. Regards, Katia [redacted], Esq. Tell us why here...

January 6, 2017   Submitted Electronically                   Re:  Revdex.com Case No. [redacted] – Mirand Response Systems, Inc. Dear Ms. [redacted], Mirand Response Systems, Inc. (“Mirand”) has received your complaint...

submitted to the Revdex.com. Mirand does not have a customer matching [redacted] in their database. It appears that your complaint is about MCPS Partners, who is in the same building as Mirand. As such, we will forward your complaint to MCPS Partners. Regards, Tell us why here...

April 15, 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 Image [redacted] (the “Merchant”)...

and this represents its response.
MCPS does not conduct business as was described. MCPS works with independent sales offices (“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. As such, we requested information from ISO about the merchant solicitation. Our records indicate that the sales representative at no time represented that she was associated with your current processor. The sales representative clearly stated that she was with Merchants’ Service Partners. Additionally, all documents sent to Merchant also clearly identify MCPS, including the Merchant Payment Card Application/Agreement.
MCPS regrets your experience and appreciate you for allowing us to investigate the matter. In an effort to resolve your concerns, as requested, MCPS has closed the account as of April 13, 2016 and will waive the early termination fee of $495. As such, you will no longer be charged any additional fees. Additionally, MCPS will refund you the monthly processing fees of $39.95 for March 2016 and the account set up fees of $104.95 totaling $144.90 and will send a prepaid shipping label to your business address for the return of the two (2) Delta Pay Plus Mobile Ramblers.
If you have any additional questions or concerns, please contact the undersigned.
Regards,

October 19, 2016   Submitted Electronically                   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 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 with the ISO representative. Our records indicate the ISO representative called your business on or about September 21, 2016 to offer a new terminal and merchant processing services. Although the representative disclosed that they were calling from Merchant Services Partners and were offering new equipment, there seems to have been miscommunication concerning who Merchant Services Partners was. MCPS values its merchants and potential merchants and wants to ensure they feel confident transacting business with us. As such, 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 18, 2016 and will refund you the monthly processing fees of $45.80 for September 2016. Additionally, MCPS will waive the early termination fee and you will no longer be charged any monthly fees.  Thank you for bringing this matter to our attention. Regards,   Katia [redacted]

[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.

March 23, 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 and has identified that your complaint is regarding the merchant account for [redacted] (the “Merchant”). This represents MCPS’ response. MCPS does not conduct business as described and does not condone such practices. MCPS works with independent sales office (“[redacted]”), such as [redacted] which refer merchants to MCPS for card processing services. Therefore, we make every effort to ensure that [redacted] and their representatives identify themselves when offering merchant services and products and we provide guidelines to such [redacted] who offer such services and products. 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 a prospective merchant is currently using unless the prospective merchant provides a copy of their current merchant processing statement to [redacted] to conduct a rate review. 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. 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 February 3, 2017, thereby consenting to the opening of a new merchant account. For your review, please find the attached merchant agreement. We apologize for any inconvenience this may have caused you and your business. Although, we confirmed that [redacted] placed a request with your gift card provider, [redacted] to allow for the processing of gift cards, in an effort to show good faith in resolving your concerns, MCPS will fulfill your desired settlement and has closed the account without penalty as of March 21, 2017. As such, you will no longer be charged any additional fees. Thank you for bringing these matters to our attention. Regards,

November 22, 2016   Submitted Electronically                   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 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. 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 October 20, 2015. We regret your customer service experience and truly apologize for any inconvenience this may have caused you and your business. We are addressing your concerns with management in order to prevent this issue from reoccurring. We strive to provide excellent customer service and 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 21, 2016 without penalty. As such, you will no longer be charged any additional fees.  Thank you for bringing these matters to our attention. Regards, Tell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  
[Provide details of why you are not satisfied with this resolution.]
Regards,
The name of our business  [redacted]  LAST 5 DIGITS OF OUR [redacted]  [redacted]

April 18, 2016
Re: Revdex.com Case No. [redacted] – Merchants’ Choice Payment Solutions, Inc.
Dear Mr. C[redacted],
Merchants’ Choice Payment Solutions (“MCPS”) has received your complaint and has identified that your complaint is regarding the merchant account for [redacted] dba C[redacted]’s...

Green Oasis (the “Merchant”) and this represents MCPS’ response.
MCPS does not conduct business as was described. MCPS works with independent sales offices (“ISO”), such as Merchants’ 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 and prohibits the use of scare tactics to sign up new merchants. MCPS considers any allegations of misrepresentation a serious matter and thoroughly investigates them in order to ensure compliance with MCPS requirements. As such, we requested information from ISO about the merchant solicitation. Our records indicate that the sales representative at no time represented that he was associated with your current processor, [redacted]. The sales representative clearly stated that he was with Merchants’ Service Partners. Our records also indicate that the sales representative offered the Merchant an [redacted] capable terminal and informed Merchant that their current terminal was not capable of processing [redacted] transactions.
Additionally, all documents sent to Merchant also clearly identify MCPS, including the Merchant Payment Card Application/Agreement. The Merchant had the opportunity to review the documents provided and ask MCPS or ISO any questions. The Merchant signed the merchant application on January 25, 2016 providing consent to open a merchant account. Enclosed is a copy of the signed merchant application with the MCPS name and logo clearly and boldly displayed.
Please note that MCPS sends the monthly merchant account statement to the business address on file and our records do not indicate any returned mail, correspondence or inquiry that the Merchant had not received their monthly merchant statements.
In an effort to resolve your concerns, as requested, MCPS has closed the account as of April 18, 2016 and will waive the early termination fee of $495. As such, you will no longer be charged any additional fees. Additionally, as requested, MCPS will refund you the monthly processing fees for January 2016 through April 2016 totaling $361.06 and will send a prepaid shipping label to your business address for the return of the [redacted] Pin Pad.
If you have any additional questions or concerns, please contact the undersigned.
Regards,