Pawn and Jewelry Place, Inc.

We are sorry to hear of this customer's negative experience While we are confident all rates and fees were disclosed during the sales and application process, we have requested a courtesy refund of $in service fees This refund should be sent via check in the next to
business days We can confirm this account has since been closed

Please move this customer review to iPayment’s profile. The decision regarding the holding of the funds for this merchant is made by the Loss Prevention/Security Team of iPaymentFlagship's role in the sales process with this merchant is to explain the rates and fees associated with credit
card processing and the equipment used for said credit card processingWe then assist the merchant through the application, underwriting and boarding process of their merchant application and merchant account installAt that point, they have a merchant account with iPayment and all debiting and crediting and holding of funds are handled and determined by iPayment and we have no control over such decisionsWe can confirm the funds have been released to the customerI have requested the account be closed and the ETF waived, but the terminal will need to be returned if it was loaned to prevent being charged for the equipment If you need any further information, please let me know. Thanks again for all your help

The sales agent provided a merchant agreement to Harriman LaundromatThe merchant agreement clearly has a "Scheudule of Fees" which includes other fees in addition to the 1.7% per transaction where Larry Jamison signed and agreed toOur company provided a copy of the agreement and e-mailed the document to ***@yahoo.com on June 16, 2015; moreover, the merchant, Harriman Laundromat, still continues to use our serviceThe merchant agreement includes a 3-year agreement where it can not be voided; as a result, closure would incur a cancellation feeAt this point in time, all fees are valid based on the Schedule of Fees; moreover, to cancel the account, please call ###-###-#### for further assistance

We are sorry to hear of this customer's negative experience We typically require signed authorization to cancel our customer's accounts for security purposes It does not appear a signed closure form was initially received in this case We can confirm this account has since been
closed During this account's period of inactivity, the customer was assessed $in service fees We have requested a refund of these charges The refund should deposit into the customer's checking account in the next to business days

Hello,The hold was placed as the transaction ran exceeded your High Ticket limit. You are correct in stating your approved monthly volume limit is $50,000.00. Your High Ticket limit is set to $3,500.00. This consists of all sales ran on a card within days. This is why
there was a potential risk issue and caused us to hold the transaction.On the date you filed this complaint, we released half of the transaction. $15,was released to you, the remaining will be held pending review from our Risk department. After review of the notations, you are aware of this and are clear on our Risk departments procedures.Thank you

We are sorry to hear of this customer's negative experience As a security precaution for our financial services, we typically require signed authorization to cancel our merchant accounts It does not appear this signed authorization was initially received However, we can confirm
this account is now closed As a courtesy, we have requested a refund for the charges in question These funds should deposit into the customer's checking account in the next to business days

We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. As a courtesy, we have requested a refund of $in service fees which should deposit into this customer’s checking account in the next to business days

Hello, we acknowledge the concern for small businesses and the concern for inactivityWe will request to have the Early Termination Fee be waived due to inactivityPlease be advised this is subjected for approval

We are sorry to hear of this customer's negative experience We typically require a signed authorization to cancel our customer's merchant accounts and it does not appear this signed form was initially received We can confirm this account has since been closed As a courtesy, we
have requested a refund of $ This refund should deposit into the customer's checking account in the next to business days

Complaint: 10641794
I am rejecting this response because:   I appreciate the response from Merchant Account Solutions (MAS).  However, I do not want to close the complaint as being satisfactorily resolved since MAS's resolution of my account is contingent on my returning (and their receiving) their equipment.The reply from MAS was sent by the Revdex.com on 6/15/15.  I returned the equipment to MAS and it was received by MAS on 6/12/15  (as verified by my USPS Certified Mail return receipt. )  Since the equipment was received on Friday and Mr. W[redacted]'s  reply for MAS to the Revdex.com was sent either on Friday or Monday morning, information regarding receipt of the equipment may not have been available to Mr. W[redacted].  Pursuant to Mr. W[redacted]'s reply of 6/15/15, I will accept the MAS response upon their acknowledging receipt of the equipment in good order.
Regards,
L[redacted]

Complaint: 10641794I simply want the cancellation fee removed and the account to be closed.  I am returning materials sent to me but I will not contact the company via phone.  I do not want to contact the company by phone since they have been rude to me (called me names and bullied me.)  I have written a letter to be sent with the return of the materials and want all communication between me and Merchant Account Services to be in writing.Because I have not had the account closed and all cancellation fees removed, I am rejecting the response.  Once the account is closed and no charges assessed, I will gladly accept the company's response.Additionally, the first time (after multiple requests directed to the company from me) that I actually saw the contract that I allegedly signed was only AFTER the Revdex.com got involved.  It was not even sent to me directly, I only got a copy of it from the Revdex.com.
Regards,
L[redacted]Copy of letter sent to company with return of materials[redacted]
Attached is
the “Close Merchant Account Request Form.” Per your company’s response to my
Revdex.com (Revdex.com) Complaint ID: 10641794, I am sending the unused
card reader back to your company. 
Additionally, I am requesting that my account be closed and that “the
independent sales office is willing to refund you (me) cancellation fees.”  This quote is also from the response your
company gave to my Revdex.com complaint.  (same number as mentioned above) Which is why
I expect that my account will be closed and no fees charged to me for closing
the account.Due to my
experiences with your company, I am only going to conduct this cancellation
procedure in writing.  Additionally, I do
not see this as a cancellation since your company fraudulently represented
itself.  This is why I am checking
“Misrepresentation” under “Reason for Closure” on the Close Merchant Account
Request Form.All written
correspondence will be filed both with the Santa Barbara Revdex.com as well as the
Ohio Attorney General’s Office, M[redacted].
Sincerely,L[redacted]
Enclosures:
Close
Merchant Account Request Form
Revdex.com
complaint response
Card reader
Merchant
Services Program Guide CD
Merchant
Services Stickers
Discover
Packet

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11112394, and find that this resolution is satisfactory to me.
The refund was received today!
Regards,
A[redacted] [redacted]

Complaint: 10719631
I am rejecting this response because: THER IS 3 WITNESS THAT  THAY SALSMAN SPACIPIKLY SAID NO CHARGES ONLY 1.7 CENT AND BY SINING HE TOLD US HE DID NO TLEAVE COPY BECOUSE THAY WILL SEND  US FROM OFFIC WITH NO CHARGES  I NEVER GOT IT TILL I KEAP REQUSTING IT  ALSO ON 1RST BILL WE CALLD HIM HE SAID LOOK I TOOK CARE ON IT THER IS NO CHARGES  WE DONT WANT IT AND TAKE IT BACK  YOUR SAILS MAN LIED TO US  AND DID NOT WANT TO LEAVE COPY SO HE CAN WRIGT IT ON AFTER THE SALE
Regards,
J [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11817968, and find that this resolution is satisfactory to me.
As long as there is no cost to us. Equipment has been returned.
Regards,
M[redacted]

Hello, we acknowledge your concern for the business. Our records indicated on 11/16/15 the $5.00 has been submitted on each account as an ACH credit to the business checking's account. Please allow 7-10 business days to process the refund. To cancel the account please call ###-###-#### and request...

closure.

Hello,Please verify the proper merchant account number, business address, phone number and account owners name.  None of the information contained within this complaint matches our records.  To ensure validity, we request all information pertaining to identifying the customer be double...

checked by the complainant.Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10948010, and find that this resolution is satisfactory to me.
Regards,
M[redacted]

Hello,There is some missunderstanding regarding to which company you are speaking.  When the sales agent from the independent sales office Merchant Account Solutions states "yes we can help you with that" they are referring to your credit card processing.  They did not represent themselves...

as an agent of PayPal.  There was a seperate agreement you made with the independent sales office and were charged the cancellation fees agreed to.  http://www.intlcardservice.com/equipment/agreement/.  the independent sales office is willing to refund you cancellation fees if you contact their office and also return their equipment.  To receive a refund and send the equipment back please contact the independent sales office at ###-###-####.Thank you.

Hello,To confirm, your account is closed.  Once the sales office (Merchant Account Solutions) receives their equipment returned the fee will be reversed.  Thank you.

Complaint: 10719631
I am rejecting this response because:Thanks again  for giving me the time to respond.#1 the sales man Mr. S[redacted] never left a copy to us by signing he took it with him he said they will send you copy.This is not what we signed this is forged.#2 we did not want this credit card service in our laundry he came and said to 3 diffrent times no other charge  1.7 cent on any transaction no other charges  not for the machine or any supply.# 3 we did use it after finding out these charges because the salesman called us and said he took care on all the charges they will be put back.Never was#4 thay put up charges witch is not even on the  falls  contrake# 5 we stopped using the machine as soon they answered that  the reason we did was only due salesman assuring us no charge only 1.7. So I am asking you to please get me a  sworn  statement from salesman as to This is his trow agreement with his full name and address Also I want all my charges returned only thing they can get is the 1.7 cent what was agreed. Take back there machine  and cancel this.
Regards,
J [redacted]