National Bureau of Merchant Services, Inc.

This is not about candy bars, but honesty . NBMS/IRN misleading contracts and non-disclosureNBMS/IRN sent a one page document concerning the use of a credit card chip reader Then this is use as if it were a extension to some hidden contractIt is well know your company faced charges like this in court and then someUS bank rates are much lower,so much for their Guarantee,NBMS/IRN answer you should call usFind that in the one pages document. I am providing a image of the document in question and noted it is signed off by Freddie G*** with " no fees or charge on return" on the Special Instruction lineThis is a image sent to me by NBMS/IRN with my hand written note on the Special Instruction lineI may consider to pay the monthly fees for months (62.40) on the old misleading contract with no disclosure or no fees and no charges listed,but not for doing nothingAlso NBMS/IRN must disclose all company felons in this line of business (this is public knowledge) I will provide any verifiable records that were provided by NBMS/IRN to assist Revdex.com . Thanks *** *** *** *** *** ***

We apologize sincerely for the inconvenience.  We are a reputable company who seeks to satisfy and provide the best service in the U.S.  With 1000's of clients saving money and serving them faithfully it is very uncommon that we receive an issue that we can not handle...

or take care of.       After careful review of this account we see that this client was contacted by our company on August of 2012.  We provided a great savings of $62.06 per month for processing using our services.  This would save client at least 30% off his processing bill.  The client was very happy about that and sent the paperwork in.  We then began to build the account and file and finished the file built on 8-22-12.  On 8-23-2012 [redacted] contacted the Merchant to re-program the terminal.  After a couple of attempts merchant stated that he had a digital line and that might be the problem.  [redacted] then informed merchant that if the client thought the line was the problem then to take it to their home for the download.  The download is very sensitive and requires a stable connection.  On 8-29-2012 Merchant than called the office and requested a Terminal Sticker for the terminal.  The sticker was sent with the welcome packet but another one was sent anyway. On 8-30-2012 the client then called back and said they wanted to know what they need to do to close the account.  Merchant was informed of closure procedure.  On 9-14-2014 [redacted] then contact merchant to follow-up due to no call back for download but left voice mail.  Client did not reply.  on 9-19-2012 client called about the billing and fees and stated he was still not set up.  We apologized and refunded all the monthly fees and escalated the issue to make sure this client was re-programmed.  On 9-19-2012 Tech support contacted merchant to follow-up with download.  Client informed tech that he still did not get around to taking terminal home but felt it would not matter anyway because he had digital lines at home also.  Client then called on 9-20-2012 to opt out on Bizperks.  On 9-25-2012 client was then contacted by TECH again and notified that a FREE Brand New terminal would be sent all programmed and ready to go to help levitate any concerns for re-programming or such.  Client refused terminal.  Merchant than called back and requested to close the account.     There is no doubt that our company has gone over and beyond what was requested or promised.  Following up, refunding fees and ultimately offering a Free Terminal worth over $300.00.  The company expends a lot of time and money to set an account up.  He is a pawn shop who understands this concept.  If someone pawned an item and they received the money and a day later said they changed their mind and gave the money back they would still have to pay the interest.  If someone comes into a restaurant and orders a meal and then when the meal comes out does not eat it, they are still liable for the meal.  If the meal is not to their satisfaction and the manager tries to offer them a discount or another meal, they still have to pay for the bill.  In this case this account was set up and the monthly fees before the client decided to send the letter and close the account was $95.00.  The fees according to the contract signed and agreed by client were $553.50.  We carefully weighed the issue and saw that we did our best and extended all we could to help this client.  In considerations to him we extended a fair and generous settlement of $199.00 closure fee instead of the $553.00.  This settlement would still not be enough to cover our costs of all the work and extra requested mailings but out of good faith we offered it.  Client still refused.        Even though we feel that the $199.00 is more than fair we would be willing to further drop that fee to $149.00 for good business.  If client chooses to do so we can send him the terminal and re-open account for him still saving him money.  We have great promotions that may help him.  We will then waive all fees and start all over again.  We are confident that we can help and save merchant money.

Thank you for contacting our office.  We have spoken to the client and we are in the process of issuing a refund for the amount prescribed.  The client was under contract and which should have been cancelled about 6 months earlier.  We are in the process of making it retroactive and...

refunding the amount for the months that the agreement should not have been active.  Client should be receiving a refund by  Friday, March 13th, 2015.  We apologize for any inconvenience and always look forward to providing the best service available.  [redacted]

Thank you for your reply.   Our company's 1 page agreement is so easy to understand.  It allows us to disclose everything without fraud or hidden small print.  It is very clear that the agreement states in 12 point font..."In consideration for the term of 48 months, Company will continue to provide merchant the following guarantees and merchant "WILL USE" service provided by company to process credit cards for this business."Mr. [redacted] still has not shown where he was defrauded.  He had been processing with our services for about 24 months.  received a new terminal and then continued under the new agreement for 18 months and never had an issue.  We still have not seen or shown where it has been proven that he had been deceived or cheated in anyway.  He had a meet it or beat it guarantee.  He could have anytime contacted us if he thought someone else could beat us and we would have met it or beat it.  He did not.  If he was unhappy or felt he was getting overcharged he could have called us and we would have made him happy.  HE DID NOT.  The guarantee we gave him on the agreement was for his protection and to make him happy.  If he felt unhappy he could have called us and challenged us on the agreement and we would have fixed what was broken.  HE DID NOT.  He could have shown us what is broken.  HE DID NOT.  Instead he keeps stating that NBMS is involved in some kind of fraud, and that is so far from the truth.  NBMS has never ever ever been charged with fraud.  NBMS has a clear and clean record and treats its clients with upmost respect.Now unless, Mr. [redacted] can show how NBMS breached the contract or did him wrong prior to switching, he is still liable for all costs and fees.  We settled for $1350.00.  This settlement will remain open and valid only as long as Revdex.com mediation is open.

(PLEASE SEE ATTACHED FOR THE FULL RESPONSE)  (THIS FORM LIMITS TO ONLY 2000 CHARACTERS)We have received the response and have worked diligently with the client to understand the problem.  We take pride in holding and keeping to our 100% customer service and satisfaction record.  We...

service clients throughout the U.S. and complimented us on our help by providing them exceptional customer service and rates.  Mr. [redacted] has breached his agreement is trying to breach it without being responsible.  NBMS has fulfilled, delivered and kept all its obligations with Mr. [redacted].  This complaint refers to dishonesty and fraud.  Even alluding to Mr. S[redacted]'s personal life.  Mr. S[redacted] is an upstanding citizen.  He is a Pastor of a large local church in Phoenix, Arizona.  He and Suzanne have been married 17 years and have 7 daughters.  He volunteers everyday at the local community youth center at the Church, which provides assistance, safety, and snacks for children.  His personal life as mentioned by Mr. [redacted] in this complaint is irrelevant and unwarranted.  Mr. S[redacted] would never take the history or issues of a person's life and present them in business.  It is unethical and wrong.  The past issues that Mr. S[redacted] have encountered have been resolved to everyone's satisfaction.  Again, they are irrelevant to the way Mr. S[redacted] and this company has conducted business.  Nonetheless, the company feels that Mr. [redacted] has breached the agreement.  NBMS no longer wants to do business with a company who would insult and prejudice people like Mr. [redacted] did.  NBMS will settle this account for $1350.00.  This would pay for the remaining months left on the agreement and the terminal.  If someone came into [redacted] and ate half a candy bar and left, I am sure Mr. [redacted] would feel that the person is still liable for the payment of it.  NBMS still feels that [redacted] is still liable but are willing to decrease the fees.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.They have called for a mailing address and I was not home, so I will contact them on Monday. They did say they would take care of it before, but failed to get back to me, so I want to be sure of receiving the refund before I dissolve the complaint.
Regards,
[redacted]

We apologize sincerely for the inconvenience.  We are a reputable company who seeks to satisfy and provide the best service in the U.S.  With 1000's of clients saving money and serving them faithfully it is very uncommon that we receive an issue that we can not handle...

or take care of.       After careful review of this account we see that this client was contacted by our company on August of 2012.  We provided a great savings of $62.06 per month for processing using our services.  This would save client at least 30% off his processing bill.  The client was very happy about that and sent the paperwork in.  We then began to build the account and file and finished the file built on 8-22-12.  On 8-23-2012 [redacted] contacted the Merchant to re-program the terminal.  After a couple of attempts merchant stated that he had a digital line and that might be the problem.  [redacted] then informed merchant that if the client thought the line was the problem then to take it to their home for the download.  The download is very sensitive and requires a stable connection.  On 8-29-2012 Merchant than called the office and requested a Terminal Sticker for the terminal.  The sticker was sent with the welcome packet but another one was sent anyway. On 8-30-2012 the client then called back and said they wanted to know what they need to do to close the account.  Merchant was informed of closure procedure.  On 9-14-2014 [redacted] then contact merchant to follow-up due to no call back for download but left voice mail.  Client did not reply.  on 9-19-2012 client called about the billing and fees and stated he was still not set up.  We apologized and refunded all the monthly fees and escalated the issue to make sure this client was re-programmed.  On 9-19-2012 Tech support contacted merchant to follow-up with download.  Client informed tech that he still did not get around to taking terminal home but felt it would not matter anyway because he had digital lines at home also.  Client then called on 9-20-2012 to opt out on Bizperks.  On 9-25-2012 client was then contacted by TECH again and notified that a FREE Brand New terminal would be sent all programmed and ready to go to help levitate any concerns for re-programming or such.  Client refused terminal.  Merchant than called back and requested to close the account.     There is no doubt that our company has gone over and beyond what was requested or promised.  Following up, refunding fees and ultimately offering a Free Terminal worth over $300.00.  The company expends a lot of time and money to set an account up.  He is a pawn shop who understands this concept.  If someone pawned an item and they received the money and a day later said they changed their mind and gave the money back they would still have to pay the interest.  If someone comes into a restaurant and orders a meal and then when the meal comes out does not eat it, they are still liable for the meal.  If the meal is not to their satisfaction and the manager tries to offer them a discount or another meal, they still have to pay for the bill.  In this case this account was set up and the monthly fees before the client decided to send the letter and close the account was $95.00.  The fees according to the contract signed and agreed by client were $553.50.  We carefully weighed the issue and saw that we did our best and extended all we could to help this client.  In considerations to him we extended a fair and generous settlement of $199.00 closure fee instead of the $553.00.  This settlement would still not be enough to cover our costs of all the work and extra requested mailings but out of good faith we offered it.  Client still refused.        Even though we feel that the $199.00 is more than fair we would be willing to further drop that fee to $149.00 for good business.  If client chooses to do so we can send him the terminal and re-open account for him still saving him money.  We have great promotions that may help him.  We will then waive all fees and start all over again.  We are confident that we can help and save merchant money.

Thank you for contacting our office.  We have spoken to the client and we are in the process of issuing a refund for the amount prescribed.  The client was under contract and which should have been cancelled about 6 months earlier.  We are in the process of making it retroactive and...

refunding the amount for the months that the agreement should not have been active.  Client should be receiving a refund by  Friday, March 13th, 2015.  We apologize for any inconvenience and always look forward to providing the best service available.  [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.They have called for a mailing address and I was not home, so I will contact them on Monday. They did say they would take care of it before, but failed to get back to me, so I want to be sure of receiving the refund before I dissolve the complaint.

Regards,