National Merchant Services LLC.

The application was signed in accordance to first data global leasing and first data’s guidelines The appropriate fee is on the contract which was signed by the merchant at the time of application We have done everything correctly here and there is nothing we can do as we are only following the rules set forth to us Sincerely, National Merchant Services

Please be advised that the account has been closed already At no point was there any intention of giving you a runaround We take privacy and security very seriously so we need to do our due diligence before we act on any of our merchant accounts Best Regards, National Merchant Services

As *** *** states, his understanding of the contractual
agreement is based on “assumptions”National Merchant Services actions are
based
on the Merchant Processing Agreementthat *** *** signedOur Agreement
makes no mention of a “cancel anytime” policy
Our cancelation procedure is simpleYou send a cancelation
letter and a cashier’s check to *** * *** *** *** *** *** *** *** ***Cancelations have been handled by me (Bruce) since
August 2015(Serge’s departure from NMS)I spoke to *** *** on October
**,I never stated that “* *** ** *** *** * *** *** ”The audio recording evidences that I advised *** *** of the cancelation procedure, still I received no cancelation letter or
check for the termination feeIf *** *** has receipt of delivery of said
letter I would be happy to make his cancelation retroactive
As far as increased charges, *** *** was given notice
of increases on his January statementThis notice afforded him the opportunity
to break his agreement with no penalty should he not agree to these changes. Per his Merchant Processing Agreement the
processor can adjust pricing as needed provided we give a day written
noticeI will attach this notice that was part of his monthly statementThis increase
was in accordance with the agreement and we have evidence that this merchant
was given proper notice to opt out of his agreement should he chooseHe did
not exercise this option
As a resolution to this matter NMS will cancel this merchant
account provided the merchant follow the aforementioned cancelation procedureHe can contact Bruce at *** *** *** for a prompt
resolution of any additional concerns

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
My assumptions were based upon the word of their sales repAnd their manager at the timeWhen I wrote the letter to Bruce it states I wanted to cancel the accountWhen I spoke to Bruce in October I told him I wanted to cancel the account and I was told it was being closedThis is not how a business should be run
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[This company may have done everything they needed to do, but the lying to me is what got me into this situation. at this time I have contacted the first date company to be released from that contract. This will not be resolved till that happens since *** was the one representing that company also. First data has alot of complaints and is a d rated busines in my eyes that is because they do not explain all the hiden cost completely to the consumer
***
Your Answer Here]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

We have been requesting from the merchant proof the business is closed. We also need proof that *** *** is authorized to speak on behalf of the business. We have been reiterating this each and every time she reaches our call center. There are certain security issues involved
here so as much as we want to get the account closed we still have to follow procedure
The account is currently in ACH reject status. We said we would be willing to waive the early termination fee (we wouldn’t be able to collect it due to the account status) as courtesy if we can get the proof of the business closing and proof *** *** is authorized to speak on behalf of the company we will gladly conclude this matter
We are trying in every which way to do help facilitate this but we just need some cooperation
Thank You,
National Merchant Services

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 and the matter has been...

resolved.
Sincerely,
[redacted]

Let us address all of the customers issues below.
1)  PCI compliance fees are not charged as long as the merchant complies with PCI.  The merchant needs to log on and become compliant.  Its an easy take and could be done by calling us so we can assist.
2)  The...

machine the merchant recieved is a fully EMV compliant machine.
3)  The lease was on the contract which the merchant signed so there was no misrepresentation whatsoever.  The merchant was fully aware of the lease from the beginning.  Pricing a piece of equipment will be different when you lease it vs. when you buy it.
4)  There was nothing brought to our attention about a cancellation fee reimbursement.
5)  If there were pricing issues we could have and still could address them but this needs to be brought to our attention. 
 
We would love to work with the merchant and make them happy but were never given the chance because it seems that conclusions were made before clarity was provided.

The application was signed in accordance to first data global leasing and first data’s guidelines.  The appropriate fee is on the contract which was signed by the merchant at the time of application.
We have done everything correctly here and there is nothing we can do as we are only following the rules set forth to us.
Sincerely,
National Merchant Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The document Bruce provided 32 times states "continuing your merchant account with us or use of your merchant account after 30 days will represent acceptance of these terms"
I haven't used my merchant account with them since February 2014 and I closed the account with Bruce in October of 2015.
The audio tape that Bruce has will prove they received my letter, and that they agreed to close the account. 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

National Merchant Services contacted me promising lower costs for credit card processing in my small business.They told me I needed a new credit card machine to be compliant with the new technology which was a lie! I was fine with what I had! Unfortunately, I was not in my right mind as I was going through [redacted] for [redacted] at the time. The salesman skipped over all the unnecessary fees and contract for 36 mos which requires $495 for me to get out of.
Their monthly charges and link to my credit card machine lease, which is an even worse contract, are costing me dearly every month. Now that I am recovered and have reviewed this contract I am canceling and paying dearly to get out of this.
My new credit card processor has zero fees and no contract. And the best rates I have found in the 25 yrs I ve been in business.
Be warned! Do not do business with National Merchant Services!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
I have faxed and mailed copies of my Letter of Voluntary Administration for my husband from the Surrogate Court to NMS to prove that I am authorized to speak on his behalf. 
NMS has never stated that they weould waive the early termination fee, your representatives always stated that the only other way this account would be closed is  if I pay the early termination fee.  Your representatives told me the account was in collections, they never said the account was in ACH reject status. 
You state in your Revdex.com response, "as a courtesy" NMS is requesting proof of the business closing, and I keep telling NMS repeatedly that I have no such proof from the NY state that the business is closed, you have to take my word for it.  As I stated early, my husband ran the business and I had nothing to do with it.
Please close the account and stop sending correspondence to my home.
[Your Answer Here]
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Upon reviewing the account Merchant ID:  [redacted] it is apparent that the 36 month agreement which commencedin February of 2013 expires in February of 2016. In order to cancel a merchantaccount you would need to send a cancellation letter signed by the...

responsibleparty on the merchant account.As a Courtesy due to the experience you state you have had with National MerchantServices I am prepared to waive your $495.00 Early Termination fee. I havetaken immediate action to close your merchant account per your request.  If you have supporting documentation showingyou are owed more than the 495.00 ETF then instead of waiving the ETF I am committed to issuing payment for whatwould be owed.I have taken immediate action to close your merchant account. I have not yet charged the ETF, should you decide toaccept the waved ETF as a resolution please respond letting us know that you do. If not, please provide documentation supportingwhat you claim to be owed and I will work to get you compensated provided we do in fact owe you reimbursement based on the agreement.

Please be advised that the account has been closed already.  At no point was there any intention of giving you a runaround.  We take privacy and security very seriously so we need to do our due diligence before we act on any of our merchant accounts.
 
Best Regards,
National Merchant Services

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 and the matter has been resolved.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[[redacted], I am not happy with the response , I have included the emails for you to look over.  you will notice there were some promises listed and not followed thru with.
1) If there is no charge for PCI why was $ 115.00 taken out of my account , and yes I have a certificate for being certified that he said I didn't need.
2) I can not verify that without more information
3) This is what makes me upset, yes I did sign the contract but at the time he told me there was NO cost for the equipment, since he did not leave a copy of the contract I did not notice that till he finally emailed me the copy]
4) As you read thru the emails you will realize that yes [redacted] did tell me that they would take care of the cancelation fee from my current supplier.  and the day he came to hook up the equipment again we talked about that and he asked me if I would continue till my 1st year was over it would save his company money.
again as your read thru the emails you can follow that I did try and resolve issues, those were just emails not to mention the several phone calls to [redacted] and [redacted].
At this time I just want out of the contract and to send the machine back.....
Thank you for your time trying to resolve these issues. 
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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 and the matter has been resolved.
Sincerely,...


[redacted]

Review: My husband [redacted] was the [redacted], he died on January **, 2014. I had nothing to do with his business. I have faxed and mailed copies of his death certificate and a letter requesting them (NMS) to close the account. National Merchant Services (NMS)representatives, [redacted] and [redacted], say that they can't close my husband's account, even though I sent them a letter asking to close the account, like they asked me to do. There has been no activity on my husband's account. [redacted] on October **, 2014 stated that my husband's account is in collections. Every month NMS sends me a letter and every month, I call them. Today I requested the Dun & Bradstreet # and tax ID # from [redacted] for NMS and he refused to give it to me because I told them I was contacting the Revdex.com. [redacted] said that I can contact who ever I want and someone was talking to him in the background, the last thing [redacted] said to me was NMS will close my husband's account and then he hung up the phone on me. These past nine months have been so aggravating and frustrating.Desired Settlement: An apology for dragging this out, and my husband's account ..[redacted] closed.

Business

Response:

We have been requesting from the merchant proof the business is closed. We also need proof that [redacted] is authorized to speak on behalf of the business. We have been reiterating this each and every time she reaches our call center. There are certain security issues involved here so as much as we want to get the account closed we still have to follow procedure.

The account is currently in ACH reject status. We said we would be willing to waive the early termination fee (we wouldn’t be able to collect it due to the account status) as courtesy if we can get the proof of the business closing and proof [redacted] is authorized to speak on behalf of the company we will gladly conclude this matter.

We are trying in every which way to do help facilitate this but we just need some cooperation.

Thank You,

National Merchant Services

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I have faxed and mailed copies of my Letter of Voluntary Administration for my husband from the Surrogate Court to NMS to prove that I am authorized to speak on his behalf.

NMS has never stated that they weould waive the early termination fee, your representatives always stated that the only other way this account would be closed is if I pay the early termination fee. Your representatives told me the account was in collections, they never said the account was in ACH reject status.

You state in your Revdex.com response, "as a courtesy" NMS is requesting proof of the business closing, and I keep telling NMS repeatedly that I have no such proof from the NY state that the business is closed, you have to take my word for it. As I stated early, my husband ran the business and I had nothing to do with it.

Please close the account and stop sending correspondence to my home.

[Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Please be advised that the account has been closed already. At no point was there any intention of giving you a runaround. We take privacy and security very seriously so we need to do our due diligence before we act on any of our merchant accounts.

Best Regards,

National Merchant Services

Review: Before we signed on with this company, sales rep, [redacted], was to make sure that our other contract with previous company was completed and no fee accessed when cancelled. After assuring me all was fine, we signed a contract with NMS. We were charged $800 in fees to complete the other contract. We are now being charged incorrectly for our credit card processing fees with NMS. The rates are double what the contract we signed state. We are being charged $20.00 for a statement fee, which should be $2.00. We are being charged an annual comp srvc fee of $115.00 then two months later a annual fee of $99.99. The $.01 penny credit card dummy deposit that was done to our account to check the set up incurred a $47.02 CHARGE for the month of December 2012, when we did not do any real money charges or transactions with NMS. They have not corrected anything because I have left 13 messages (all documented)on our sales rep telephone number with no call back. Their customer service cannot help, they say I need sales. Sales mailbox is full for months.Desired Settlement: I want NMS to pay for the $800 is charges from the other company because they switched us with the other contract in place. I want the fees refunded back to us. I want the month of December refuneded back to us. I want all service months with NMS to have our fees fixed according to what I was told and signed. I want the $18.00 difference in statement fees for every month of service refunded back to us. If all of the above is corrected and refunded, I will stay with them until the contract is done in one year. If they do not comply with the above I may see legal action.

Business

Response:

When this account was opened the agent told the customer that he would try and help close her existing account. He did mention that some companies will not close the account without the merchant calling first. This happens to be the case. They did not disclose any cancellation fee to us and told us it was her responsibility to call them to get this information as we are a third party. This was of course because they did not want to lose her account. [redacted] mentioned this to [redacted] and she said she would call them. We are in no way responsible for fees from the other company as we only try to help customers close they're other accounts as good customer service. The $99 annual fee is industry standard and is charged only once a year. The PCI compliance fee of $115 is only charged when the merchant does not become PCI compliant. We did tell the customer that if she just fills out the PCI questionnaire and becomes compliant that fee will no longer be charged. The .01 is only a test transaction to make sure the credit card terminal and in no way intended for any other purpose. The $47.02 were just fees on the account for December (when the contract was signed and account opened) and did not result from the .01 charge. The $20 statement fee was disclosed on the merchants contract along with all the other fees so I am not sure why she is surprised to receive them. It was never supposed to be $2 and I am not sure where this information was obtained. The profit margin is very small before we actually go negative here. We would love to keep [redacted] as a client but we just need to be realistic. How can be pay an $800 fee that was not even charged by us. The other fees are very minimal and we wouldn't even be able to make $800 in years for servicing the account. I am saddened to hear that [redacted] is not happy but there is only so much we can do realistically because we did everything the correct way here. If there is anything else we can do to make [redacted] happy we will but we just have to be realistic.

Consumer

Response:

Dear Sir or Madam,

Attached, per your request, you will find any and all copies that I have from NMS. You will see that on the page 3 there are no rates listed and there were many noted discrepancies. This page was not signed or initialed. I took [redacted]s word on this that a new copy was going to be faxed to me for signature and/or initial. This page was intentially not agreed on.

Honestly, there is such misconception from this company and extremely poor customer service and professionalism, I just want to be out of this contract. Why on earth would I of switched to this company if it was gonna cost me more. They scammed me - flat out.

Business

Response:

Response To Merchant

Calling our company liars will do nobody anyone any good. This is just libelous and completely inappropriate.

We did send the merchant a copy of the contract on two different occasions so I am extremely surprised why they are saying we have not.

The contract that was signed is a hard contract. If we were to just let everyone out of they're contract we would be out of business. We just can't do that unfortuantley since we have company policies.

If the merchant wishes to get a lawyer that is they're legal right.

All the messages were returned to the merchant but she keeps saying the same thing. We cannot go against corporate policy but she insists that we should but she is under contract.

Our rates were next to wholesale so please do not say that you had high rates. If you are just not happy that is a different story.

As we have said on many different locations the contract was signed and initialed. This was sent to the merchant many times!

We would love to help the merchant but there is not much we can do about canceling the contract that they signed and initialed.

National Merchant Services contacted me promising lower costs for credit card processing in my small business.They told me I needed a new credit card machine to be compliant with the new technology which was a lie! I was fine with what I had! Unfortunately, I was not in my right mind as I was going through [redacted] for [redacted] at the time. The salesman skipped over all the unnecessary fees and contract for 36 mos which requires $495 for me to get out of.
Their monthly charges and link to my credit card machine lease, which is an even worse contract, are costing me dearly every month. Now that I am recovered and have reviewed this contract I am canceling and paying dearly to get out of this.
My new credit card processor has zero fees and no contract. And the best rates I have found in the 25 yrs I ve been in business.
Be warned! Do not do business with National Merchant Services!