Merchants' Choice Payment Solutions, Inc

April 1, 2016 Re: Revdex.com Case No*** - Merchants' Choice Payment Solution Dear Dr***:Merchants' Choice Payment Solutions ("MMCPS") has received your complaint and has identified that your complaint is regarding the merchant account for *** *** (the "Merchant") and this
represents its responseMCPS does not conduct business as was describedMCPS works with independent sales offices ("ISO"), which provide card processing services to merchantsTherefore, 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 servicesThese guidelines include clearly identifying MCPS and the representative to prospective merchants.All documents sent to Merchant also clearly identify MCPS, including the Merchant Payment Card Application/AgreementISO sent the documents for setting up a new merchant account to you via email at ***The Merchant had the opportunity to review the documents provided and ask MCPS and ISO any questionsThe Merchant signed the merchant application/agreement on August 7, 2014, consenting to the opening of the merchant accountEnclosed is a copy of the signed agreement.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 AgreementAdditionally, 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 Terms and Conditions and our records do not indicate any returned mail, correspondence or inquiry that the Merchant had not received the Welcome Letter and/or Terms and Conditions.In an effort to show good faith in resolving your concerns and as previously agreed to by ISO, MCPS will close the Account effective April 1, and will waive the early termination fee of $Additionally, MCPS will waive the outstanding fees of $and the Account is no longer in collections.If you have any additional questions or concerns, please contact the undersigned Regards,Katia ***, Esq.k***@mcpscorp.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint
Thank you for your response. Please send me a letter that is signed stating my account number and business information, that my account was closed and I will not be penalized for the account closing as well as that I will be receiving a refund for the account sfee of $95. Once I receive this in writing from your company I will be willing to close and accept the resolution of the situation
Regards, *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint
I appreciate your urgency in this matter, and while I accept the resolution, I am keeping the case open to ensure I don’t receive a charge to my business account for the month of JulyOnce I verify I have not been charged, I will mark the case as closed.
Regards,
Alma

[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 *** and find that this resolution would be satisfactory to me

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 *** *** *** *** ** *** ** *** LAST DIGITS OF OUR *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. I have never seen an irresponsible merchant service beforeThis morning I received rejection for charge back case *** for $I know MCPS can influence the decision of the chargeback but every merchant service plays an important role to assist merchants to win the charge backIn this case we provided proof that product was received in good condition by the customer in spite of that we lost the charge backCustomer has our engine in his possession and does not want to return itYour chargeback notifications don't come with detailed explanation of what the customer is complaining, what he is telling his bank*** *** and Ipayment provide a detailed info about the complaint that helps us respond to the complaintRight now we have a $worth of engine that customer doesn't want to return so your $credit will not help me. We will make sure we inform businesses in Houston we have on our *** and *** pages about malpractices at MCPSI need a live representative to call me to resolve this issueI need phone number of your supervisor I can talk to
Regards, *** *

[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 ***, and find that this resolution would be satisfactory to meas 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint Regardless of the words stated on the paperwork the company called our office and posed as someone else When we had questions about charges or things that came up such as what to do with our previous card terminal our questions were dodge for the very reason that they were not the company that they pretended to be It is common to have a company use a different bank Since we were told they were our previous company it was thought that the credit card processing company or division had changed names It is criminal fraud to pose as a different company and lie to consumers
[Provide details of why you are not satisfied with this resolution.]
Regards,

[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 ***, and find that this resolution would be satisfactory to me

[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 ***, and find that this resolution would be satisfactory to me, except the status of the *** Terminal has not been addressedI am willing to overlook this detail however, as I have received new equipment at no cost to me from ***. Thank you for your help addressing this complaint.Brad C***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 ***

[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 ***, and find that this resolution would be satisfactory to me
We accept the resolutionBut once again, this company did NOT represent thereselvesThey also would never answer phones calls from usWe called three different phone numbers numerous times! Every time it would go from a ring to music then back to a ring!!

[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 ***, and find that this resolution would be satisfactory to meI do want to clarify that they presented themselves as *** *** and not Merchant's Choice *** which is our bank, also has a Merchant Services and this is what caused all of the confusionAlso, 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 *** *** was an equipment swap The salesperson, *** 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 *** *** Sincerely,*** ***

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 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 processorThe 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 *** *** *** (“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, Incis 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 themAdditionally, 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, Incfor 2-years.” All documents executed by merchants include the MCPS name, *** *** *** 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 *** *** *** 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 instancesAdditionally, 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-hours of their call, but the merchant was unavailable to speak with the MCPS or ISO representativeIn 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 to day grace period in which to cancel their services without incurring the early termination feeOur 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 *** *** ***, 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 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- 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

[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 ***, 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 caseThank you for the assistance in this matter

[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 ***, and find that this resolution would be satisfactory to me. The business asked for additional information so that they could research and follow up with their employee who falsley represented themselves as an employee of our company. Her authorization and information is below. We would appreciate the Revdex.com of Metropolitan Houstin passing that information on to Merchant's Choice
In reference to the phone call I received it was on the * * * *** ***, LLC account the number they called was *** I give you authorization to release my business name and phone number so that the complaint can be investigated
Teresa ***
Owner/Member
* * * *** *** LLC
***
Thank you,
Amy ***
Vice President Corporate Security
*** *** ***k, Idaho

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/and assigned ID ***
Regards,

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

[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 ***, and find that this resolution would be satisfactory to me. They have already refunded us for the charges to our account and we are waiting for the return sticker for the equipment that was mailed to usThank you for your assistance

Revdex.com: In addition to the previously uploaded responsePlease find the attached supporting document to accompany our response Thank you for your time and assistance with this matter. Regards, Katia L*** Esq