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August 24, [redacted] Re: Revdex.com Claim [redacted] Dear [redacted] ,In response to your inquiry, Electronic Merchant Systems has made a business decision to terminate your merchant processing account You will not be responsible for any type of cancellation fee EMS’ threshold is 1% for chargebacks for your type of business Your chargeback ratio has exceeded 6%, well above the standard As a result, EMS will be holding monies in reserve for days from your last activity, ensuring all chargeback rights have expired.When working with EMS’ Chargeback Department, the best way to provide information regarding chargeback information is to fax the information to [redacted] Emailing information containing credit card numbers is not a secure form of delivery.Please 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 [redacted] ***

This business response was received by Revdex.com via email and is a copy/paste (you may also refer to the attached document.)*** ***
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*** *** *** *** Dear *** *** Thank you for taking the time to work
with Stacy S*** in our Retention departmentThis letter is to confirm that your account will be closed without penalty or early termination fee per your desired settlement. At this time, EMS will consider the matter resolved. Sincerely, Jon ** *** *** ** *** ***
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---------- Forwarded message ----------From: B***i, Jon Date: Tue, Apr 12, at 2:PMSubject: RE: Revdex.com ***To: *** *** ***, The refunds were processed yesterday and Meghan was notified She should be able to confirm receipt of those funds either today or tomorrow Definitely resolved. Thanks,JB

[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 is satisfactory to me.
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
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February 21, *** *** *** *** ***
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Dear Mr***, Thank you for taking the time to speak with Stacy *** in our Retention departmentThis letter is to
confirm that your EMS processing account has been closed without penalty or early termination feeWe have also released all monies held in reserve At this time, EMS will consider the matter resolved Sincerely, Jon C*** Director of Client Services *** ***

February 23, 2016Evelyn’s Furniture & More*** *** *** *** ** ***
Re: Revdex.com Claim ***Dear Ms***,This letter is to confirm that your EMS processing account has been closed An attempt to collect month end fees was made, but the ACH item was returned,
as we had an invalid account number to debitTherefore no monies were collected or a refund required I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concerns. At this time, EMS will consider this matter closed.Sincerely,Jon CB***Director of Client Service 800-615-x

Revdex.com: Thank you so much for your intervention, I am very pleased with the outcome in reference to complaint ID ***
Regards,
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May 22, *** *** *** ***
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*** *** *** ** *** Re: Revdex.com Claim *** Dear *** ***, EMS has made the business decision to terminate the relationship based on your processing history At this time, EMS will consider this matter closed Sincerely, Jon *B*** Director of Client Service 800-615-x

May 15, *** *** *** ***
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*** *** *** ** *** Re: Revdex.com Claim *** Dear *** ***, After a review of the relationship, based on the number of your customers charging back your services, EMS
has made a business decision to terminate your merchant processing accountThe decision is the result of your chargeback ratio exceeding EMS’ threshold toleranceYou stated in the complaint you have had many opportunities to process with other providers, this would be the opportunity to transition away from EMS At this time, EMS will consider this matter closed Sincerely, Jon *B*** Director of Client Service 800-615-x

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The company is requesting receipt of equipment that was delivered and returned immediately to the general manager for ems in pittsburghAs it was mentioned in my original complaint, we have not used EMS service in more than years and they have billed hundreds of dollars every month for several accounts for each of locations.We are happy to return the credit card machines but we have no other equipmentAlso the online menu was never completed by ems and still we have been billed monthly for this service since 2012.Also, it appears that at least in one of the accounts this month they debited more money than they have in the past coincidentally after my original complaint with the Revdex.com
Regards,
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July 29, 2016*** *** *** *** St
*** *** ** ***Re: Revdex.com Claim ***Dear Ms***,Thank you for taking the time to work with Stacy S*** in our Retention DepartmentThis letteris to confirm your $cancel fee has been refundedStacy has also mailed
copies of theexecuted agreement prior to this letter to address your claim of forgeryI would like toapologize for any inconvenience this may have caused.At this time, EMS will consider the matter resolved.Sincerely,Jon CB***Director of Client Services800-615- x

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. I would like to know when the money held in reserve will be releasedIf it is not being released early as requested, please inform me the dates on which it will be releasedThere is no way you can simply hold the funds in your possession forever
Regards,
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This business response was received by Revdex.com via email.electronic merchant systems January 29, 2018 *** ***
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*** ** *** Re: Revdex.com Claim *** Dear *** *** In response to your inquiry as to why a transaction was
flagged, please understand that your merchant account has parameters in place to protect both you and EMS against potential fraudulent activityThe transaction in question was for $Based on your application, you stated your average ticket is $When reviewing your last days of activity, your average ticket was $A $2,transaction is not typical of your processing history with EMS and is not the normEMS had requested additional information to ensure the transaction was validI hope this is a reasonable explanation and hope now you have a better understanding of the processI was also informed that Julie, our Risk manager, provided her contact information for any assistance that may be required in the future. At this time, EMS will consider this matter resolved. Sincerely, Jon ** *** *** ** *** ***
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January 25, 2016*** *** ***
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*** ** ***Re: Revdex.com Claim ***Dear Mr***,Thank you for taking the time to speak with Stacy Smith in our retention Department This letter is to confirm that your EMS processing
account has been closed without a penalty or early termination fee I would like to apologize for any inconvenience this may have caused.At this time, EMS will consider this matter closed Please let me know if you have any other questions or concerns.Sincerely,Jon CB***Director of Client Service 800-615-x

December 8, Re: Revdex.com Claim ***
Dear Mr***,
This letter is to confirm that your EMS processing account has been closedEnclosed, please find a copy of a signed and executed merchant agreement indicating that early termination would result in a feeAlso, please find a copy
of the Rolling Reserve Addendum which was enacted based on your type of business categorized as High RiskWith that being said, EMS has agreed to release $2,immediately, holding a balance of $1,This reserve will be reviewed for release in daysWe are holding this balance as the result of a recent chargeback in September
Please note, you stated that you had attempted to contact me by phoneHowever, I have no record of a voicemail from youIf your call was missed, I do apologize
At this time, EMS will consider the matter resolved
Sincerely,
Jon CB*** Director of Client Services 800-615-x

Consumer confirmed via email that the complaint is resolved

(The following was copy/paste by Revdex.com staff - ***April 20, 2018 *** ***
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*** ** *** Re: Revdex.com Complaint *** Dear *** *** This letter is to confirm that your EMS processing account has been closed as the result of exceeding your
chargeback ratioEMS has made the business decision to release all monies held in reserve. At this time, EMS will consider this matter resolved. Sincerely, Jon ** ***
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November 13, *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** Re: Revdex.com Claim *** *** *** ***, This letter is to confirm that EMS has reviewed your situation and made the decision to re-open your
merchant processing account per your desired settlementI would like to apologize for any inconvenience this may have causedWe look forward to your continued business At this time, EMS will consider this matter closedPlease let me know if you have any other questions or concerns Sincerely, Jon ** B*** Director of Client Service 800-*** ***

July 14, 2016*** *** *** *** Rd.***, NC ***Re: Revdex.com Claim ***Dear Mr***,Thank you for taking the time to work with Stacy S*** in our Retention DepartmentThis letteris to confirm your EMS processing account has been closedWe will apply June fees of
$119.00towards your cancel fee dueThe new fee total is $I appreciate that we came to anamicable resolution.At this time, EMS will consider the matter resolved.Sincerely,Jon CB***Director of Client Services800-615- x