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I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

This response from the business was received via email by ** at Revdex.com.May 5, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,Thank you for taking the time to speak with me As the result of our conversation, we now have your monthly volume parameter in place We have also released all monies that were previously held As I stated to you, EMS will continue to work with you and I appreciate your decision to continue your processing service with EMSGoing forward, please do not hesitate to contact our help desk for assistance At this time, EMS will consider this matter resolved.Sincerely,Jon [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 is satisfactory to me Regards, [redacted]

This consumer message was received by Revdex.com staff member [redacted] via phone.The consumer said she only got the chip machine because she was forced into it, she said she was told it was the law to carry the machine with the chip, she said she is now caught in the middle of some type of mess, she said "her guy" told her she could cancel with this business and switch to him.The consumer said she does not want to buy out her lease from this business, she said she never wanted the chip machine to begin with.The consumer said she does not believe she still had years left on her lease at the time she upgraded to the new chip terminal

January 28, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,As we continue to work through the issue, EMS has agreed to release an additional $23,of your desired settlement We will continue to hold the remaining $20,in reserve until all charge back rights have expired to mitigate our exposure Please don’t hesitate to contact me with any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service 800-615-x

(The following was copy/paste by Revdex.com staff - [redacted] ***April 16, [redacted] *** Re: [redacted] Dear [redacted] This letter is to confirm your account has been closed as the result of returned feesStacy *** from our Retention department attempted to work with you to resolve the matter amicably, but was unsuccessfulSince a compromise could not be reached, EMS has made the business decision to pursue collections of both fees and equipmentI've included a copy of both your signed EMS agreement and FHL non-cancellable lease for your recordsSincerely, Jon [redacted] Director of Client Services [redacted] ***

July 13, [redacted] Re: Revdex.com Complaint [redacted] Dear Mr [redacted] , Thank you for taking the time to work with Stacy S [redacted] from our Retention DepartmentAs the result of that conversation, the decision was made that you would refund the three transactions in questionAs of today, only two were processedAs soon as the third transaction is refunded, we will close your account per your desired settlement I would like to apologize for any inconvenience this has causedAt this time, EMS considers this matter resolved Sincerely, Jon *B [redacted] Director of Client Services [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 is satisfactory to me. Regards, [redacted]

---------- Forwarded message ----------From: B [redacted] , Jon Date: Fri, May 13, at 11:AMSubject: RE: Revdex.com [redacted] To: [redacted] < [redacted] @gmail.com>Cc: "***@cleveland.Revdex.com.org" Mr***, When accepting new merchants through an online application process, EMS must have policies and procedures in place to ensure we know who we are doing business with We have a proprietary factor score card to assist in the underwriting process With the approval of the account, we also place monthly volume parameters and limits to help EMS mitigate it’s risk exposure With very little processing history, EMS made the business decision to place funds in reserve until a longer history is established to adjust limits and caps based on ticket size, monthly volume, chargebacks, and other such items I apologize you have experienced some frustration with the process Hopefully with that explanation, you feel better about the process Our intent is not to create frustration, just ensure we are doing business with legitimate merchants, and not with the hundreds of fraudulent attempts to achieve a processing accountWith that being said, I had your monies released yesterday afternoon, and if you have not seen a credit post to your account today, it should be there MondayWith due consideration,Jon

September 13, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,Thank you for taking the time to work with Stacy S [redacted] in our Retention departmentThis letteris to confirm that your EMS processing account has been closedWe have also processed a$refund per your desired settlement.At this time, EMS will consider the matter resolved.Sincerely,Jon CB [redacted] Director of Client Services800-615- x

March 28, [redacted] ***Re: Revdex.com Claim [redacted] Dear Ms***,Thank you for taking the time to speak with both Michael B [redacted] and meThis letter is to confirm that your EMS processing account has been cancelled prior to installation We have processed a refund of $representing the initial down payment charged Per your desired settlement, we have also submitted a request to [redacted] to remove the credit inquiry from Mr***’s reportI would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service 800-615-x

---------- Forwarded message ----------From: [redacted] < [redacted] .com>Date: Tue, Jun 7, at 5:PMSubject: Re: Revdex.com [redacted] To: "B [redacted] , Jon" Cc: "***@cleveland.Revdex.com.org" , molly@ [redacted] .comI have yet to receive any contact what so ever from Stephanie or anyone working for EMS

November 2, [redacted] ***Re: Revdex.com Claim [redacted] ,Thank you for taking the time to speak with me This letter is to confirm that your merchant processing account has been cancelled EMS has released $2,of monies held in reserve We have also processed a refund in the amount of $for the purchase of mobile swipers At this time, EMS will consider this matter closed Please let me know if you have any other questions or concerns.Sincerely,Jon [redacted] B [redacted] Director of Client Service [redacted] ***

April 6, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,Thank you for taking the time to speak with Stacy S [redacted] in our Retention department This letter is to confirm that your EMS processing accounts have been closed without penalty or early termination fee Also, [redacted] Leasing has cancelled your leases and you will be receiving a separate letter from them I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service 800-615-x

December 2, [redacted] [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,Thank you for taking the time to work with Stacy S [redacted] in our Retention Department This letter is to confirm that your EMS processing account has been closed per your request and a refund check of $is enclosed as the agreed upon adjustment I would like to apologize for any inconvenience this may have causedAt this time, EMS will consider this matter closed Please let me know if you have any other questions or concerns.Sincerely,Jon [redacted] B [redacted] Director of Client Service 800- [redacted] ***

electronic merchant systems June 15, 2017 Jennifer C [redacted] *** Re: BBB Complaint [redacted] Dear Ms. C [redacted] Stacy S***, from our Retention Department, has made multiple attempts to speak with you to address... your concerns without success.In your complaint, you stated you have made attempts to cancel different products and services. However, our records indicate we have not had any communication with you since May of 2016. I am confused, as many of these services are monthly services that can be cancelled anytime, but our records indicate no cancellation attempt was ever made. You also continue to transact on your account as recent as yesterday. You stated that you were unaware of your lease with [redacted] , although this agreement has been in place for over two years for your gift card service, which includes your processing equipment. Please find copies of your signed and executed agreements for your records and please let us know when you are available to discuss your concerns. I look forward to hearing from you Sincerely, Jon *. B [redacted] Director of Client Services [redacted] ***

January 16, [redacted] Re: Revdex.com Claim [redacted] Dear Mr***, Thank you for taking the time to speak to Stacy Smith in our Retention departmentThis letter is to confirm that your EMS account has been closed without penalty or early termination feeI would like to apologize for any inconvenience this may have caused At this time, EMS will consider the matter resolved Sincerely, Jon CB [redacted] Director of Client Services 800-615-x

December 15, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ***,Thank you for taking the time to work with Stacy S [redacted] in our Retention Department This letter is to confirm that your EMS processing account has been closed without penalty or early termination fee Also, your lease with First Hudson Leasing has been cancelled and you will be receiving a separate letter from them I would like to apologize for any inconvenience this may have causedAt this time, EMS will consider this matter closed Please let me know if you have any other questions or concerns.Sincerely,Jon [redacted] B [redacted] Director of Client Service 800- [redacted] ***

December 3, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,As the result of EMS terminating your account due to excessive chargebacks, EMS is holding monies in reserve until chargeback rights expire With that being said, EMS has released $2,on November 20, 2015, and an additional $on December 2, At this time, EMS will continue to hold monies, and release funds accordingly based on chargeback timeframes At this time, EMS will consider this matter closed Please let me know if you have any other questions or concerns.Sincerely,Jon [redacted] B [redacted] Director of Client Service 800- [redacted] ***

October 9, [redacted] ***Re: Revdex.com Claim [redacted] ***,Thank you for taking the time to speak with Eric F [redacted] in our Retention DepartmentThis letter is to confirm that your EMS processing account will be closed without penalty or early termination feeI would like to apologize for any inconvenience this may have causedPlease let me know if you have any additional questions or concerns At this time, EMS will consider this matter closed.Sincerely,Jon [redacted] B [redacted] Director of Client Service 800-615-***