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June 10,2016*** *** *** ***
*** *** *** ** ***Re: Revdex.com Claim ***Dear Mr***,Stacy S***, our Retention department supervisor, has attempted to work with you on severaloccasionsHowever, with the lack of response and follfrom you, the process has
ceased.You were to provide documentation validating the statement of your claimWithout the receiptof that information, EMS has made the decision to hold you responsible for the signed andexecuted agreements, including the leases.EMS will consider this matter closed.Sincerely,Jon CB***Director of Client Service800-615- x

October 27, 2017 *** ***
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Re: Revdex.com Claim *** Dear Mr***, Electronic Merchant Systems has no record in any of our systems of attempting to contact
you. We have sales offices in both Pittsburgh and Philadelphia, both of which would be a significant distance from your businessI know of a competitor by the name of Electronic Merchant ServicesPerhaps it was them? With that being said, I have added your business to our "Do Not Call/Solicit" list to ensure you will not receive calls from us. At this time, EMS will consider the matter resolved. Sincerely, Jon *B*** Director of Client Services

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,
*** *

September 15, 2015*** *** *** *** *** *** *** *** *** ** ***Re: Revdex.com Claim 1***Dear *** ***,To follon the issue, EMS will continue to hold monies until chargeback rights expire Again, based on your type of business and your chargeback ratio, measures have been put in place to mitigate our risk exposure With that being said, EMS will revisit the situation in 90 days for the potential of a partial release of funds.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 *** ***

August 26, 2015*** *** *** *** ** *** *** ** ***Re: Revdex.com Claim ***Dear *** ***,Thank you for taking the time to speak with Eric F* in our Retention department This letter is to confirm that both your Electronic Merchant Systems
processing account and First Hudson lease have been cancelled without penalty or early termination fee We have also made arrangements for the pickup of the equipment I would like to apologize for any inconvenience.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-*** ***

November 18, 2015*** *** *** *** *** *** *** ** ***Re: Revdex.com Claim *** *** ***,Thank you for taking the time to work with Stacy S*** in our Retention Department This letter is to confirm that your EMS processing account has been cancelled
without penalty or early termination fee We have also released $for monies held in reserve 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 ** B***Director of Client Service 800-*** ***

November 9, 2015*** *** ** *** ** *** *** *** ** ***Re: Revdex.com Claim *** *** ***,This letter is to confirm that all of your EMS processing accounts have been closed for “Violation of Standards” There will not be any consideration for release
of monies currently held in reserve.At this time, EMS will consider this matter closed Please let me know if you have any other questions or concerns.Sincerely,Jon ** B***Director of Client Service 800-*** ***

From: B***, Jon Date: Wed, Jan 11, at 2:PMSubject: RE: Revdex.com Complaint ***To: *** Student Loan Consolidation Cc: "*** *** ***@cleveland.Revdex.com.org)"
Mr***,
The review has been completed and the $1,is in the process of getting released. Please allow two business days for the monies to post to your account
Thanks,
Jon

electronic merchant systems October 6, 2017 *** ***
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Re: Revdex.com Claim *** Dear Ms***, As the result of a Tax Identification Number mismatch on your merchant
processing account, some of your funds were diverted by the *** creating a backup withholding situationThank you for taking the time to work with Marion U*** on our Help Desk to rectify the situationBy the documentation you have provided, your account has been updated and is no longer subject to the withholding mandate. Thank you again for your continued businessAt this time, EMS will consider the matter resolved. Sincerely, Jon *B*** Director of Client Services *** ***

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 account was in good standing and should have never been closed it should've never been put in for review it should've never had high ratioThey did something unethical and it needs to be addressed
Regards,
*** ***

electronic merchant systems October 24, 2017 *** ***
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Re: Revdex.com Claim *** Dear *** ***, Thank you for taking the time to speak with Stacy S*** in our Retention departmentThis letter is to
confirm that your EMS processing account has been closed without penalty or early termination fee per your desired settlement. At this time, EMS will consider the matter resolved. Sincerely, Jon *B*** *** ** *** ***
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December 1, 2015*** *** *** *** *** *** ** *** *** ** ***Re: Revdex.com Claim ***Dear *** ***Thank you for taking the time to work with Stacy S*** in our Retention Department This letter is to confirm that your EMS processing account and
website have been cancelled without 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 ** B***Director of Client Service 800-*** ***

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,
*** ***

April 19, 2016* * * *** *** *** *** ** ***Re: Revdex.com Claim ***Dear Mr***,This letter is to confirm that EMS has cancelled your processing accounts and released all monies held in reserve per your desired settlementThe final releases consisted of
$and $4, 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

electronic merchant systems October 10, 2017 *** ***
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*** ** *** *** *** *** ** *** Re: Revdex.com Claim *** Dear Ms***, This letter is to confirm your EMS processing account has been closed due to your
application being declinedWe have also initiated two cardholder refunds on your behalf for the two transactions processed per your desired settlementYou may contact your customer to inform them of the refunds. At this time, EMS will consider the matter resolved. Sincerely, Jon *B*** Director of Client Services *** ***

June 8, 2016[redacted]Re: Revdex.com Claim [redacted]Dear Mr. [redacted],Thank you for taking the time to speak with Delmeta C[redacted] in our Risk department. Thisletter is to confirm that all monies held have been released to you. I would like...

to apologize forany inconvenience or frustration caused due to our procedures for newly opened accounts. Ihope you can appreciate the verification steps involved to protect both our merchants and EMS.When accepting on-line applications, there is significant fraud potential. Because of that, EMSmust ensure we are doing everything possible to mitigate the risk involved when acceptingcredit cards.At this time, EMS will consider this matter closed.Sincerely,Jon C. B[redacted]Director of Client Service800-615- 1330 x2882

January 12, 2016[redacted]Re:  Revdex.com Claim 10995783Dear [redacted],Thank you for taking the time to speak with Stacy S[redacted] in our Retention department.  I would like to apologize for all of the confusion around trying...

to add a second merchant processing account.  EMS mishandled the request thinking it was a duplicate deal and not a new account.  With that being said, we understand that you established a relationship with another company.  Again, I apologize for the inconvenience. At this time, EMS will consider this matter closed.  Please let me know if you have any other questions or concerns.Sincerely,Jon ** B[redacted]Director of Client Service 800-[redacted]

(The following was copy/paste by Revdex.com staff - [redacted])[redacted]July 19, 2017[redacted]Re:  Revdex.com Claim [redacted]Dear Ms. [redacted],Thank you for taking the time to speak with Tiffany T[redacted] in our Retention department.  This letter is to confirm that your...

processing accounts have been closed without penalty or early termination fee.  Please let me know if you have any additional questions.At this time, EMS will consider this matter resolved.Sincerely,Jon C. B[redacted]Director of Client Services[redacted]

May 31, 2017   [redacted]   Re: Revdex.com Claim [redacted]   Dear Mr. [redacted],   I attempted to reach you by phone, but was unsuccessful. This letter is to confirm that all monies previously held on your account have now been...

released. In your complaint you stated you were assessed some overdraft fees as a result of the monies being held. Please contact me directly to discuss those fees and the potential reimbursement.   I look forward to hearing from you.   Sincerely,     Jon C. B[redacted] Director of Client Services 800-615-1330 x2882

July 31, 2017   Jennifer C[redacted]   Re: Revdex.com Complaint [redacted]   Dear Ms. C[redacted],   This letter is to confirm that your EMS processing account will be closed without penalty or early termination fee. Please continue to work with Stacy S[redacted] on the timeline of your transition to a new provider. EMS will capitulate on monthly services you state should have been cancelled. We have initiated refunds in the amount of $649.00 and $1,000.64 for those services. I have also contacted [redacted] to get your gift card/equipment lease cancelled once we are in receipt of the equipment.   At this time, EMS will consider this matter closed.   Sincerely, Jon *. B[redacted] Director of Client Services [redacted]