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---------- Forwarded message ----------From: B***, Jon Date: Wed, Jun 1, at 10:AMSubject: RE: Revdex.com ***To: *** *** Cc: "***@cleveland.Revdex.com.org" Good morning, I have requested Stacy’s manager to reach out to you to review the details around your charge backs Please expect a call from Stephanie L*** to discuss. Thanks,Jon

May 22, *** ***
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*** *** ***
*** ** *** Re: Revdex.com Claim *** Dear *** ***, Thank you for taking the time to speak with Mike T*** in our Retention departmentThis letter is to confirm that your EMS
processing account has been closed and we have processed a refund in the amount of $per your desired settlementPlease let me know if you have any additional questions or concerns At this time, EMS will consider this matter resolved Sincerely, Jon *B*** Director of Client Services 800-615-x

*** ***, Please find EMS’ response to your inquiry. Thanks,Jon

May 13, 2016*** ***, LLC*** *** ** *** *** *** ** ***Re: Revdex.com Claim ***Dear Mr***,Per your request, this letter is to confirm your EMS processing account has been cancelledEMShas released all monies held in reserveThe total of funds released is
$I would like toapologize for any inconvenience this may have causedPlease let me know if you have anyadditional questions or concerns.At this time, EMS will consider this matter closed.Sincerely,Jon CB***Director of Client Service800-615- x

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.
From: *** Student Loan Consolidation Date: Wed, Jan 11, at 2:PMSubject: RE: Revdex.com Complaint ***To: "B***, Jon" Cc: "Linda Land ([email protected])"
Mr***,
Thank you for your quick responseWe will look for the deposit in the next two business days
Sincerely,
*** *** ***

July 13, 2015Selected Treasures Thrift Shop*** *** ** *** *** ** ***Re: Revdex.com Claim ***Dear *** ***,Thank you for taking the time to speak with Stacy Smith in our Retention departmentThis letter is to confirm that both your processing account and lease
have been cancelled without penalty or early termination fee I have also confirmed that a call tag has been issued for the equipment I would like to apologize for any inconvenience this may have caused Please let me know if you have any questions or require any additional information. At this time, EMS will consider this matter closed.Sincerely,Jon ** B***Director of Client Service 800-*** ***

August 28,
***
*** ***
*** *** ***
*** ** ***
Re: Revdex.com Claim ***
Dear *** ***,
We have attempted to reach you by phone, but were unsuccessful. This letter is to confirm that
both your Electronic Merchant System processing account and First
Hudson lease have been
cancelledWe have made arrangements for the pickup of the equipment by issuing a call tag
from UPS.
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 ** B***
Director of Client Service
*** ***

(Following is an e-mail comment to Revdex.com staff - ***The above-referenced complaint I filed recently regarding a dispute with EMS+ has been successfully resolved** *** *** contacted me and saw that everything was taken care of as soon as he received notification that there was a
problemI am happy with the way things were handled, and will continue to use the service.The money that was fraudulently taken from my account has been restored and EMS+ has attended to the matter professionally and expediently, restoring my good faith in their service

May 23, 2016*** *** *** *** *** nd St.*** ** ***Re: Revdex.com Claim ***Dear Mr***This letter is to confirm your EMS merchant processing account has been terminated as theresult of your chargeback ratioWith the decision to terminate the relationship, EMS willcontinue to
hold monies in reserve until all chargeback rights have expiredThis policy is toensure our risk exposure has been mitigated based on your processing history.At this time, EMS will consider this matter closedPlease let me know if you have any otherquestions or concerns.Sincerely,Jon CB***Director of Client Service800-615- x

(The following was copy/paste by Revdex.com staff * ***April 25, 2018 *** ***
** *** *** * *** ***
*** *** ***
*** ** *** Re: Revdex.com Complaint ***
*** *** *** Thank you for taking the time to speak with meThis letter is to confirm that EMS Insights has been cancelled and refunds processed per your desired settlement. At this time, EMS will consider this matter resolved. Sincerely, Jon ** ***
*** ** *** ***
*** ***

March 21, 2016*** *** * *** *** *** *** *** *** *** *** ** ***Re: Revdex.com Claim ***Dear Ms***,Thank you for taking the time to speak with Stacy S*** in our Retention department This letter is to confirm that your EMS
processing account has been closed without penalty or early termination fee *** *** Leasing has also cancelled your lease You will receive a separate letter directly from them for your records 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

August 4, 2016*** *** ***
*** *** *** *** ** ***Re: Revdex.com Claim ***Dear Mr***,Thank you for taking the time to work with Stacy S*** in our Retention DepartmentThis letteris to confirm that your EMS processing account has been closed for violating your
merchantagreementMonies totaling $2,029.98, that was held in reserve, has been releasedI would liketo apologize 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

Consumer responded via phone: Consumer finds the business response acceptable and the complaint is resolved at this point

May 25, *** *** *** *** ***
*** ***
*** ** *** *** ***
*** *** *** ** *** Re: Revdex.com Claim *** Dear *** ***, After a review of the relationship and based on the number of your customers charging back your
services, EMS has made a business decision to terminate your merchant processing accountYour chargeback ratio exceeds EMS’ threshold tolerance At this time, EMS will consider this matter closed Sincerely, Jon *B*** Director of Client Service 800-615-x

*** ** ***
*** ** *** ** ***
*** ** ***Via email: ***@cleveland.Revdex.com.org*** ***Dispute Resolution SpecialistRevdex.comEuclid Ave., 4th Fl.Cleveland, OH 44115-2408Re: Complaints against Electronic Merchant Systems (“EMS”)Dear Ms
***:This Firm represents EMSEMS is an independent sales organization/merchant service provider of certain sponsor banks approved by *** and *** to provide card transaction processing services to merchantsThe Complaints referenced above are from two such merchants, which were referred to EMS by one of its former outside sales agents, Todd ***.(These merchants will be referred to as the “*** Merchants.”)EMS briefly processed transactions for the *** MerchantsA substantial portion of the fun** generated by those transactions remains in a reserve account, established pursuant to the *** Merchants’ processing agreements, because EMS believes them to be procee** of fraudulent conduct and/orcredit card laundering by the *** Merchants.On December 7, 2015, *** *** *** *** *** sued Mr*** and others in *** v*** *** ** *** *** *** *** *** ***, for credit card laundering in connection with sales of bogus business opportunities to consumers between 2010 According to their merchant processing applications, Mr*** is the principal of ** *** LLC which opened two merchant accounts with EMS, and Ms*** is the principal of A *** LLC which had just one accountThe *** Merchants include three other merchants boarded by Mr*** for which EMS briefly processed transactions: *** Team LLC (two accounts), K *** *** LLC (two accounts), and C *** LLC (one account)Ms***, *** Team, and K *** *** filed complaints against EMS with the *** *** ***s Consumer Protection Section on February 9, making the same claims as those presented in the referenced ComplaintsThe matters related in this letter were set forth in EMS’ response to the Ohio Attorney General dated February 12, 2016, a copy of which accompanies this letter Credit card laundering occurs when a merchant presents a transaction for payment through the credit card system when the transaction did not result from a credit card transaction between the cardholder and ) According to the ***, the sellers were shell companies that Mr*** “employed, solicited, or otherwise caused” to engage in credit card laundering as merchantsMr*** offered no defense to the ***’s charges, and the case was resolved by a Stipulated Permanent Injunction and Monetary Judgment entered on January 19, 2016.EMS’ processing relationships with the *** Merchants were short-livedBetween September 29, and December 2, 2014, Ms*** and Mr***’s entities processed 6,sales through EMSThose sales resulted from 127,authorization attempts.Approximately 26% (1,700) of those sales resulted in chargebacksThese processing activitiesand those of the other *** Merchants are summarized below:Merchant Name DBAA *** ** *** ** ***
*** Team LLC
*** Team LLCK *** *** LLCK *** *** LLCC *** TOTAL Sales (#) Sales ($) Authorizations13,$1,298,4.6% 3,25.1% $492,44.6%On a number of occasions, moreover, several of the *** Merchants (with different merchant names and types) sought authorizations using the same credit card number within a matter of secon**, or less, of each otherExamples of these activities are included with EMS’response to the *** *** *** accompanying this letterEMS terminated its processing relationships with Ms*** and Mr***’s entities on or about December 2, 2014, and caused them to be included on MasterCard’s Member Alert To Control High-Risk Merchants (MATCH) ListBoth Secret Bikini Body and Beachwood Success Method were subsequently put on the MATCH list by *** Bank, *** *** Bank, and Key Bank for excessive chargebacks and/or excessive fraudDBA’s for the *** Team and K *** *** also were subsequently added to the MATCH List by *** Bank, *** *** and/or *** *** for excessive chargebacks and excessive fraudUnable to get satisfactory explanations of the merchants’ dubious activities from him, EMS terminated its agent agreement with Mr*** shortly thereafterThe fact that approximately 95% of the authorizations sought by the *** Merchants did not result in settled sales indicates that those authorizations likely involved stolen credit car**.Based on the merchants’ behavior, and consistent with the terms of the *** Merchants’ processing agreements, a substantial portion of the fun** from those merchants’ processed transactions are held in reserveSome of those fun** have been used to pay chargebacks by the *** Merchants’ customersEMS processed $520,in sales for Ms*** and Mr***. Thus far, EMS has also processed chargebacks totaling $239,(approximately 46% of the sales volume) for those *** MerchantsEMS continues to receive chargebacks for the merchants boarded by Mr***, including one received on February 11, for goo** that were promised for delivery by Beachwood Success Method in October A copy of notice of that chargeback and one received by EMS in December in connection with a sale by Ms. ***’ entity are attached to EMS’ response to the Ohio Attorney GeneralEMS does not know to what extent the sales it processed for the *** Merchants involved other promises of future performance, and therefore cannot be certain when the chargeback rights of the customers of those *** Merchants expire.The claims by the *** against Mr*** arose in connection with transactions bymerchants between and Those transactions and the transactions of the *** Merchants have much in common: excessive chargebacks, possible credit card laundering, apparent fraud, and Mr***Purportedly on behalf of the *** Merchants, Mr*** has repeatedly demanded the release of the reserve fun**, and EMS has repeatedly resisted hiseffortsEMS does not own the *** Merchants’ reserve fun**But based on what it observed before terminating them and what it has learned since, EMS has no intention of assisting the *** Merchants to reap any of the fruits of their dubious conduct.In addition to preying on consumers, the *** Merchants’ activities put EMS at riskIn a lawsuit it filed on February 2, 2016, the *** accused a payment processor, *** Payments, LLC, n/k/a *** Payment Systems LLC, of aiding and abetting unlawful conduct by some of the same merchants that were identified in its December lawsuit against Mr*** Payments was alleged to have processed transactions for those merchants for more than three years during which time it allegedly ignored numerous “red flags” that the merchants were engaged in deceptive and unlawful conductLike Mr***, *** Payments resolved the ***’s claims by way of a stipulated judgment entered on February 3, 2016.EMS is mindful of the rights of the *** Merchants’ customersFor the reasons set forth above, EMS does not believe it would be prudent for the reserve fun** to be released at this time.Please do not hesitate to contact me with any questions. Benjamin J*** Benjamin J***

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,
*** ***

Mr***,We are in receipt of your response to our complaint and I must say I couldn't disagree more as is listed below:1. Ms S*** did not try to contact us multiple times. Quite the contrary, my business partner and myself tried to contact MsS*** on multiple occasions and every time we were told that she was unavailable.2. Over the last months I have spoken with Joe L***, who originally set everything up, Dave W***, who I guess took over for Joe after he left, and Kevin H***, the General Manager of the Philadelphia Office, with each telling me that everything was being taken care of to no avail.3. When I signed everything with Joe I was told I could cancel at any time without penalty. Apparently I can't even get what you agree is month to month items cancelled.4. You say I continue to transact the credit cards, what else am I supposed to do? I will make other arrangements once this is resolved.5. I have been requesting that the website be cancelled for well over a year now with nothing happening. I have been requesting the *** be cancelled for about months now, again to no avail.6. What is this EMS Insights I'm being charged $a month? I never signed up for, or agreed to it, yet I'm being charged month after month. This is another thing I've been trying to get cancelled.7. No disrespect but I don't care what your records say about me trying to cancel these items. I've been trying for well over a year to get these various items cancelled. I'm a small business and I need every dollar.Bottom line is I just want to be done with this nightmare. I believe everything should be cancelled without penalty as I was told be by different people from EMS.If you would like to discuss this my partner and I will be available Tuesday the 18th at 12:30.. I'm pretty much at my wits end.Thanks you,

August 16, 2016*** *** *** ** *** St.***, AZ ***Re: Revdex.com Claim ***Dear Mr***,This letter is to confirm that your EMS processing account has been closed without penalty orearly 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***Director of Client Services800-615- x

*** ** ***
*** ** ***
*** ** ***
*** ** ***Via email: ***@cleveland.Revdex.com.org*** ***Dispute Resolution SpecialistRevdex.comEuclid Ave., 4th Fl.Cleveland, OH 44115-2408Re: Complaints against Electronic Merchant Systems (“EMS”)Dear Ms
***:This Firm represents EMSEMS is an independent sales organization/merchant service provider of certain sponsor banks approved by *** and *** to provide card transaction processing services to merchantsThe Complaints referenced above are from two such merchants, which were referred to EMS by one of its former outside sales agents, Todd ***.(These merchants will be referred to as the “*** Merchants.”)EMS briefly processed transactions for the *** MerchantsA substantial portion of the fun** generated by those transactions remains in a reserve account, established pursuant to the *** Merchants’ processing agreements, because EMS believes them to be procee** of fraudulent conduct and/orcredit card laundering by the *** Merchants.On December 7, 2015, the *** *** *** *** sued Mr*** and others in *** ** *** *** ** *** *** *** *** *** *** *** *** *** laundering in connection with sales of bogus business opportunities to consumers between 2010 According to their merchant processing applications, Mr*** is the principal of ** *** LLC which opened two merchant accounts with EMS, and Ms*** is the principal of * *** LLC which had just one accountThe *** Merchants include three other merchants boarded by Mr*** for which EMS briefly processed transactions: *** *** LLC (two accounts), * *** *** LLC (two accounts), and C Skers LLC (one account)Ms***, *** ***, and K *** *** filed complaints against EMS with the Ohio Attorney General’s Consumer Protection Section on February 9, making the same claims as those presented in the referenced ComplaintsThe matters related in this letter were set forth in EMS’ response to the Ohio Attorney General dated February 12, 2016, a copy of which accompanies this letter2 Credit card laundering occurs when a merchant presents a transaction for payment through the credit card system when the transaction did not result from a credit card transaction between the cardholder and ) According to the FTC, the sellers were shell companies that Mr*** “employed, solicited, or otherwise caused” to engage in credit card laundering as merchantsMr*** offered no defense to the FTC’s charges, and the case was resolved by a Stipulated Permanent Injunction and Monetary Judgment entered on January 19, 2016.EMS’ processing relationships with the *** Merchants were short-livedBetween September 29, and December 2, 2014, Ms*** and Mr***’s entities processed 6,sales through EMSThose sales resulted from 127,authorization attempts.Approximately 26% (1,700) of those sales resulted in chargebacksThese processing activitiesand those of the other *** Merchants are summarized below:Merchant Name DBAA *** ** *** ** *** *** Team LLC*** Team LLC* *** *** LLC* *** *** LLCC Skers TOTAL Sales (#) Sales ($) Authorizations13,$1,298,4.6% 3,25.1% $492,44.6%On a number of occasions, moreover, several of the *** Merchants (with different merchant names and types) sought authorizations using the same credit card number within a matter of seconds, or less, of each otherExamples of these activities are included with EMS’response to the Ohio Attorney General accompanying this letterEMS terminated its processing relationships with Ms*** and Mr***’s entities on or about December 2, 2014, and caused them to be included on ***’s Member Alert To Control High-Risk Merchants (MATCH) ListBoth *** *** *** and *** *** *** were subsequently put on the MATCH list by *** Bank, *** *** Bank, and *** Bank for excessive chargebacks and/or excessive fraudDBA’s for the *** *** and * *** *** also were subsequently added to the MATCH List by *** Bank, *** Bank, and/or *** *** for excessive chargebacks and excessive fraudUnable to get satisfactory explanations of the merchants’ dubious activities from him, EMS terminated its agent agreement with Mr*** shortly thereafterThe fact that approximately 95% of the authorizations sought by the *** Merchants did not result in settled sales indicates that those authorizations likely involved stolen credit cards.Based on the merchants’ behavior, and consistent with the terms of the *** Merchants’ processing agreements, a substantial portion of the fun** from those merchants’ processed transactions are held in reserveSome of those fun** have been used to pay chargebacks by the *** Merchants’ customersEMS processed $520,in sales for Ms*** and Mr***. Thus far, EMS has also processed chargebacks totaling $239,(approximately 46% of the sales volume) for those *** MerchantsEMS continues to receive chargebacks for the merchants boarded by Mr***, including one received on February 11, for goo** that were promised for delivery by Beachwood Success Method in October A copy of notice of that chargeback and one received by EMS in December in connection with a sale by Ms. Jones’ entity are attached to EMS’ response to the *** *** ***EMS does not know to what extent the sales it processed for the *** Merchants involved other promises of future performance, and therefore cannot be certain when the chargeback rights of the customers of those *** Merchants expire.The claims by the FTC against Mr*** arose in connection with transactions bymerchants between and Those transactions and the transactions of the *** Merchants have much in common: excessive chargebacks, possible credit card laundering, apparent fraud, and Mr***Purportedly on behalf of the *** Merchants, Mr*** has repeatedly demanded the release of the reserve funds, and EMS has repeatedly resisted hiseffortsEMS does not own the *** Merchants’ reserve fundsBut based on what it observed before terminating them and what it has learned since, EMS has no intention of assisting the *** Merchants to reap any of the fruits of their dubious conduct.In addition to preying on consumers, the *** Merchants’ activities put EMS at riskIn a lawsuit it filed on February 2, 2016, the FTC accused a payment processor, Capital Payments, LLC, n/k/a Bluefin Payment Systems LLC, of aiding and abetting unlawful conduct by some of the same merchants that were identified in its December lawsuit against Mr***Capital Payments was alleged to have processed transactions for those merchants for more than three years during which time it allegedly ignored numerous “red flags” that the merchants were engaged in deceptive and unlawful conductLike Mr***, Capital Payments resolved the FTC’s claims by way of a stipulated judgment entered on February 3, 2016.EMS is mindful of the rights of the *** Merchants’ customersFor the reasons set forth above, EMS does not believe it would be prudent for the reserve fun** to be released at this time.Please do not hesitate to contact me with any questions. Benjamin JO*** Benjamin JO***

August 6, 2015*** *** *** *** *** *** ** ***Re: Revdex.com Claim ***Dear *** ***,I’ve attempted to contact you by phone but was unsuccessful This letter is to confirm that $7,held in reserve at EMS was released to you on
7/29/per your desired settlement 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 ** B***Director of Client Service 800-*** ***