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January 28, 2016[redacted]Re:  Revdex.com Claim [redacted]Dear Mr. [redacted],As we continue to work through the issue, EMS has agreed to release an additional $23,904.06 of your desired settlement.  We will continue...

to hold the remaining $20,000.00 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 concerns. At this time, EMS will consider this matter closed.Sincerely,Jon C. B[redacted]Director of Client Service 800-615-1330 x2882

(The following was copy/paste by Revdex.com staff - [redacted]
[redacted]April 16, 2018 [redacted]
[redacted]
[redacted]
[redacted] Re: [redacted] Dear [redacted] This letter is to confirm your account has been closed as the result of returned fees. Stacy [redacted] from our Retention department attempted to work with you to resolve the matter amicably, but was unsuccessful. Since a compromise could not be reached, EMS has made the business decision to pursue collections of both fees and equipment. I've included a copy of both your signed EMS agreement and FHL non-cancellable lease for your records. Sincerely, Jon [redacted] Director of Client Services [redacted]

June 7, 2016[redacted]
Dayton, OH 45406Re: Revdex.com Claim [redacted]Dear Ms. [redacted],Thank you for taking the time to speak with Stacy S[redacted] in our Retention department. Thisletter is to confirm your EMS merchant processing account was cancelled without penalty...

orearly termination fee. EMS has also processed a refund in the amount of $174.00 representingMarch and April fees, per your desired settlement. I would like to apologize for anyinconvenience this may have caused.At this time, EMS will consider this matter closed. Please let me know if you have any otherquestions or concerns.Sincerely,Jon C. B[redacted]Director of Client Service800-615- 1330 x2882

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Attorney At Law February 12, 2016 [redacted] Dispute Resolution Specialist Revdex.com 2800 Euclid Ave. Floor Cleveland, OH 44115 Re:My client: Electronic Merchant Systems ("EMS") Dispute filed by [redacted], LLC ("[redacted]...

[redacted]") Dear Ms. [redacted]: Please be advised that the undersigned represents EMS. I am in receipt of a dispute filed by the above-referenced company dated February 5, 2016. The following is EMS's response. EMS provides credit card processing services to companies nationwide. At the inception of the processing relationship, a Merchant Agreement ("Agreement") is executed. The Agreement sets forth the terms and conditions of the processing relationship. An Agreement was executed on March 12, 2015 by [redacted] as owner and personal guarantor of [redacted]. The Agreement details fees associated with processing activity. [redacted] contracted with a third-party service provider for its website and payment gateway. The third party site was breached and a significant number of transactions were run. Pursuant to the Agreement, the amount of fees incurred was $37, 855,48. It is important to note that each transaction carries a fee. Based on the facts and circumstances of the matter, EMS voluntarily agreed to reduce the fees to $7,548.08. It is EMS's position that this reduction is equitable. In their complaint, [redacted] alleges that the true cost to process is between $.01 and $.02 per transaction. This is not accurate. Additionally, [redacted] states that the transaction fee is for "authorized transactions only." This is also not accurate. EMS incurs costs for every transaction run. Merchants are charged a fee for every transaction. As previously stated, the fee is clearly set forth in the Agreement. Lastly, [redacted] incorrectly states that EMS was only to process transactions in the amount of $19.99. The Agreement sets forth an average sale price of products sold by the merchant. This is not an exclusive amount that will be processed. [redacted]'s third party vendor was breached. As a result, a significant number of transactions were processed. In accordance with the EMS Agreement, $37,855.48 is due and owing. EMS has agreed to reduce its fee and accept $7,545.08. [redacted] is correct in stating that if this is not resolved, EMS will pursue all fees due under the Agreement. Hopefully, this will not be necessary. Do not hesitate to contact the undersigned with any questions, [redacted] EPS/ajm CC: Client EMS — Revdex.com— [redacted] — 2-9-16

I am not agreeing with the fact that they are still holding my money.  We have zero chargebacks.  They set up a reserve to cover chargebacks and the reserve holds about $2700 at the moment (could be more, I am just estimating).  In addition to that agreed reserve hold, they are holding over $8,000.00 which totals the other 90% of revenue collected for a period of about a month.  This has really hurt our business as this income is needed to continue operating.  According to the agreement signed, they have to right to hold 100% of our income, we agreed to a 10% hold to cover possible chargebacks.I am not satisfied with their response.

[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]

April 8, 2016Choosem HelpcomBrian Muir2647 Gateway Rd. STE 105-540Carlsbad, CA 92008Re:  Revdex.com Claim 11298597Dear Mr. Muir,Thank you for taking the time to speak with Stacy Smith in our Retention department.  This letter is to confirm that your EMS processing accounts have been closed...

without penalty or early termination fee.  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 C. B[redacted]iDirector of Client Service 800-615-1330 x2882

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]

August 13, 2015[redacted]Re:  Revdex.com Claim [redacted]Dear [redacted],Thank you for taking the time to speak with me. Per our conversation, this letter is to confirm that your processing account with Electronic...

Merchant Systems has been cancelled without penalty or early termination fee.  We have also calculated a refund of $257.98 to be credited for the last two months of fees.   I would like to take this opportunity 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[redacted]Director of Client Service 800-[redacted]

January 22, 2016[redacted] [redacted]Re:  Revdex.com Claim [redacted]Dear Mr. [redacted],We unsuccessfully attempted to reach you by phone. This letter is to confirm your merchant processing account has been closed.  Regarding the fees...

on your account, there was activity on your October statement for which you are responsible.  However, with no activity in November, EMS has initiated an $80 refund back to you.  Since your account was closed in December, there were no fees associated with the account.  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 C. B[redacted]Director of Client Service 800-615-1330 x2882

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted].  Although I have received correspondence from EMS indicating that they have closed my account without penalty, at present (May 31, 2016), my account remains open and reserve funds have not been refunded.  This may be scheduled to transpire today, the last day of the month.  I received an email today from Jon B[redacted] informing me that he needed to consult with another department and that it would take him "a day or two" to get me an update.  The lack of communication from EMS has been astonishing.  It appears as though they only communicate when it's the last option available.  I will consider this complaint to be resolved when my account is closed and all reserve funding returned.  Sincerely,
Paul L[redacted]

This response from the business was received via email by ** at Revdex.com.May 5, 2017[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 EMS. Going forward, please do not hesitate to contact our help desk for assistance.   At this time, EMS will consider this matter resolved.Sincerely,Jon [redacted]

November 2, 2015[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...

$2,455.67 of monies held in reserve.  We have also processed a refund in the amount of $175.55 for the purchase of 14 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 ** B[redacted]Director of Client Service [redacted]

December 23, 2015[redacted].[redacted]Re:  Revdex.com Claim [redacted],Thank you for taking the time to speak with me.  This letter is to confirm that your EMS processing account has been closed without penalty or early termination fee....

 Also, per our conversation, EMS has agreed to refund you $124.00 for month end fees. 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[redacted]Director of Client Service 800-[redacted]

---------- Forwarded message ----------From: [redacted] Date: Tue, May 17, 2016 at 4:11 PMSubject: Re: Revdex.com [redacted]To: [redacted]@cleveland.Revdex.com.orgCc: "B[redacted], Jon" Hello [redacted],Jon was more than helpful in resolving my issue. He went above and beyond to make sure I was taken care of. I am completely satisfied now and look forward to continuing to do business with his company.Thank you for your assistance.

---------- Forwarded message ----------From: B[redacted], Jon Date: Fri, May 13, 2016 at 11:20 AMSubject: RE: Revdex.com [redacted]To: [redacted] Cc: "[redacted]@cleveland.Revdex.com.org" Mr. [redacted], 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 8 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 account. With 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 Monday. With due consideration,Jon

If you look at the entire track record we have only had two bad months out of two years how is that even fair. How can you just disregard with the rude letter like that without even considering hearing us out. This matter is not over. Do you have other merchant accounts that are allowed to get way more chargebacks without having to worry about losing their merchant account. We had two bad months and now we have to lose our merchant account that is not fair at all!!

March 28, 2016[redacted]Re:  Revdex.com Claim [redacted]Dear Ms. [redacted],Thank you for taking the time to speak with both Michael B[redacted] and me. This letter is to confirm that your EMS processing account has been cancelled prior to...

installation.  We have processed a refund of $53.37 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. [redacted]’s report. 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 C. B[redacted]Director of Client Service 800-615-1330 x2882

November 16, 2015[redacted]Re:  Revdex.com Claim [redacted],We have attempted to reach you by phone, but were unsuccessful.  This letter is to confirm that First Hudson Leasing will waive your lease payments for the months...

of November and December of 2015 per your desired settlement.  We look forward to your continued business. 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]