Prestige Payment Systems

Dear Revdex.com Representative: Thank you for sending us the customer's rebuttalWe are more than willing to allow the merchant to listen to her recorded callThe customer was sent all agreements electronically prior to signing and was free to print and review them at her discretionIf additional copies are needed, those can be provided With regard to the PCI fees, the customer is required to complete PCI forms and submit them to our customer service department in order to avoid being charged the PCI feesThe customer has not completed these in order for the fees to be waivedWe stand ready to assist the customer with completing these forms as necessary However, as of May 12th, 2017, the customer’s processing account was closed without penaltyNo grounds exist at this time for reimbursement of any kind As such, we feel we have addressed and resolved every issue raised in this complaintShould you need any additional information in order to close out this file, please let us know. Thank you

Dear Revdex.com Representative:
Thank you for sending us the customer’s follow up responseIn addition to the steps outlined in our original response to resolve this matter, we have spoken to the customer and agreed to arrange for early termination of his lease agreement at no charge This should also remove any negative marks from the leasing company on the customer’s credit report
As a result of the above, we feel we have addressed and resolved every issue raised in this complaint and respectfully request that you reopen this file and consider this response and resolution. Should you need any additional information, please let us know. Thank you

Dear Revdex.com Representative:We have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all
credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which they expressly confirmed their understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly payment.That said, our customer service department was never made aware of any issues until receiving this complaintWe are happy to monitor the customer’s account and work with them to make adjustments if they are not satisfied with the serviceA specialist has since reached out to the merchant and attempted to rectify the situationDespite our best efforts, the merchant is unreachableOnce we are able to speak with the customer we will work to make adjustments that better suit the merchant’s business needsHowever, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third partyWe feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know Thank you

Complaint: ***I am rejecting this response because:Have not addressed all items in my original grievanceSincerely,*** ***

Please note: We NOW believe the company does not have a way to get out of their contract Our complaint is that they present the contracts (lease and processing) as one contact and when asked multiple times about getting out the month lease, *** (prestige sales) repeatedly stated and
pointed to the back of the contact that we can cancel the term contract at any time with $and actually make money since they are giving us $up front We don't believe the company can lie when asked specifically about the month lease We confirmed by phone believing what was stated by *** to be accurate.*** lied about all the terms, rates of 2% or lower including the lease, overnight funding, terms of the contract of cancelling the lease and processing

Complaint: ***
I am rejecting this response because:
Sincerely,
Judy W*** They have removed their part in this but they really haven't!..Until they remove that ridiculous lease thru *** *** for $4,on a $processor, they we are not resolved...These people are still recognizing that I owe them money because of what these people placed in their customer service agreementThe internet is full of people who are upset with Direct processors AKA national payments systems because of these leases.see attachmentThe processing is NOT the problem...its the four year long term lease on a machine that usually is given to the merchant upon sign up or purchased outright.The problem here is the MACHINE LEASE. They set it up to be a PERSONAL non cancellable lease for $4,on a $machine that went down the first month I used it!And until they call this off we are not concluded.Contact their bedpartners: *** *** *** *** ** ** *** ** *** ***This is the scam everyone is unhappy about..not the processing. Had they really done what they told me they were doing to do, which was charge me a monthy service fee until I no long wanted service. We would not be here...SEE THE ATTACHED *** reviewsI am not the only unhappy camper here about these leases.There are many people involved in this...if National (aka Direct Processors ) takes themself out of the game, this does not dissolve this bogus lease!They are just blowing the feather off their back. Judy W***
*** *** ***
*** *** ***Downey, CA 90241*** ***

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
Steven from Direct Processors has given me the address for returning their machine and I am assuming this time they will keep their word and cancel the lease on this machine, as I will no longer have it or their service. If not...you will be hearing from me again. Thanks for your Help... Judy W***

Dear Revdex.com representative:
Thank you for bringing this complaint to our attention We take complaints like this very seriously and have a team dedicated to resolving all customer complaints and other issues involving our company.
We have carefully reviewed this complaint and there
is no indication that the company has not followed its agreement with the customer The $fee referenced by the customer is an annual fee that is disclosed to each customer in October but not charged until January The disclosure gives the customer days to accept the new fee by continuing to use its merchant account after that time frame That time frame has not yet expired with this customer However, as a courtesy, the company will waive the annual fee for this customer so the customer will not be charged the $annual fee in January
With regard to the customer's ability to contact our company, both the agreement signed by the customer at the time of the sale and the monthly merchant statements the customer receives each month contain the company's full contact information A company representative also emailed the customer soon after the sale was completed to set up a training call during which a company representative trained the customer on how to use the processing equipment
Additionally, a company representative has tried to reach the customer several times over the past couple weeks with no success Specifically, we tried calling the customer on 11/18/and was told that the individual who made the complaint was no longer with the company We left a message for the owner to call us back A company representative tried again today and received a message saying the number is no longer in service
The company stands ready to further assist the customer by reviewing the account for potential discounts and other benefits if the customer chooses to return these messages The company prefers to work with the customer directly to resolve these concerns and hopefully maintain a long and mutually beneficial relationship with the customer We will continue to follow up to advise the customer of the annual fee waiver and discuss other options to satisfy her concerns
If you have any further questions or concerns regarding this file, please do not hesitate to contact us Thank you

Complaint: ***The response by the business contains multiple and insulting claims
First, the claim that they "worked with the customer" is laughableThey did not return phone calls, faxes or messagesThe only person who actually corresponded and spoke with me was from a separate company, First DataI never received a single communication from any Prestige Payment System representative that substantively addressed any question or request about this issueWhen any response was forthcoming, and that was in less than 1/of my calls and messages, it was little more than "someone will get back to within hours."
Second, the business completely ignored the facts surrounding the written agreement, which suggest that the entire circumstance was one of predatory trickery, wherein the business knowingly and deliberately sold products and services that were known to not be needed or wanted, and by saying one thing, while having various fees and regulation buried within a page-long paragraph at the end of a multi-page agreementIt is a simple fact that I would never have knowingly entered into a four-year commitment costing hundreds of dollars per month for equipment for which I had no need UNLESS I WAS TRICKED INTO DOING SOWe have never, in 20+ years of activities, used physical merchant terminals, and have no plans to do so, yet PPS would have you believe that this is what I knowingly requested and agreed to pay forIt is truly ridiculous
Third, the business generally ignored its own correspondence which confirmed the facts as I have presented themThere are multiple notes and messages which demonstrate, from the initiation of the agreement, that it was not as I understood it to be
Finally, the business lied yet again in pretending that they have experienced some loss in this
The reality is that Prestige Payment Systems engaged in a dishonest sale, the result of which was that they collected THOUSANDS of dollars direct from my bank account without ever providing a single service -- they never cleared a single transactionAny equipment they provided was not wanted (and clearly communicated as such) and was returnedPPS made thousands of dollars as a result of their predatory practices and now wants to pretend that they are "taking a loss" and acting merciful
I'm glad this is over, but PPS -- or whatever name they are going by now -- is a transparently dishonest business staffed by immoral people who knowingly and deliberately took thousands of dollars from us without providing any services whatsoeverFor them to now act like they are the victim in this, but being ethical or magnanimous by cancelling the account is insultingand so typical of people today
The bottom line is that PPS took almost $from us, provided zero services in return, and that this is nothing like what I thought I was agreeing to per the sales discussion I had with their representativeIt is true that much of this is disclosed in their multi-page sales agreementMy mistake was trusting that the agreement in any way reflected the sales pitch of their office manager, and (apparently) signing it on the spot, without reading it closely
This is an awful company that has acted without integrity from day one, has taken thousands of dollars from us under transparently-conditions, never provided a single service, and is now pretending to be merciful and moraland the victim
Sincerely,*** ***

I will keep this short out of all the businesses I have had to deal with prestige has been the most dishonest backhanded company I have ever dealt withThey promise you everything and give you nothing! once you put your name to paper they own you! It cost to much to break your contractThere customer service is very poorThey just don't care they know they have you over a barrel I canceled them sent them a letter was told that I had no fees left to pay then I was sent to a debt collector for a bogus payment and went on my credit and prestige will do nothing I was not even sent a bill! They sent me to a collection twice for the same thing even though it was taken care of! Now I have to pay nearly $just because I did not use their system for a period of two months after I canceled themAnd I am locked in the four-year term for credit card machines that I did not know about so I continue to pay $a month for another two years or equipment I will never useYour money is too hard to earn don't throw it away with prestige!

Hello ***,
Please find the $credit confirmation for this merchant attachedYou will see on 3/12/we submitted the credit to hit her account with her daily batchesOn that day she processed $in credit cardsOur $credit was added bringing her total deposit for that date to $Indeed this refund was issued and received by the merchant
Thank you,
Marlene H*** | Project Manager>>>>Please see attached

Dear Revdex.com Representative:
We are still actively working with the customer to resolve these concerns and respectfully request an additional week to substantively respond to this complaint Thank you

We are disheartened to hear the merchant is still so frustratedWe did, as stated, send new paperwork for the merchant to achieve hour fundingWe have the ability to place merchants on different platforms to ensure this happensThe merchant would need to close their batch by 7pm EST, so yes that would be 4pm PSTIt has come to our attention the sales rep did not have this part of the information when relaying to Mr***For that we apologizeWe pride ourselves on giving our sales reps all necessary knowledge in order to properly inform our potential clientsI do see Mr*** has been in communication with our retention team about his accountIn regards to rates and contract terms this would need to be discussed with one of the retention team membersI have requested someone from that department reach out to Mr*** again to see if there is anything else to be done

Dear ***:
This complaint was recently closed without our response, so there is no option to submit our response in the online system. Please note that the recent notice giving us days to respond was mailed to our offices (rather than sent electronically) and so we did not receive
it until this Monday, January We feel we have adequately resolved this complaint and respectfully request that you re-open the matter and consider this response
We have reviewed this complaint and the customer file and have not found any support for the customer's claims The Merchant Processing Application and Agreement and Merchant Receipt ("Agreements") signed by the customer expressly set forth each and every applicable rate and fee for credit and debit card processing. The $inactivity fee, $regulatory fee, $PCI non-compliance fee, 1% discount rate, $transaction fees, and $per month (plus tax) mentioned by the customer were all clearly disclosed in the Agreements. The customer has been charged the $PCI non-compliance fee because it has not certified PCI compliance, as the Agreements require for this fee to be waived. Our customer service team has fully explained this to the customer
Additionally, in March 2015, we gave this customer a courtesy credit of $to cover its early cancellation fee from its prior payment processor Also, our customer service team recently reached out to the customer and explained the PCI non-compliance and others fees raised in the complaint. We also agreed with the customer to terminate his processing agreement early at no cost and waive the agreed upon early termination fee. Our company will incur significant out-of-pocket costs due to this early termination, but we prefer to resolve and close out this matter quickly and amicably. The customer further explained that his new processing company has agreed to cover his buyout of his equipment lease, the rights to which are owned by a third party. The customer expressed satisfaction with this resolution
As always, we appreciate your assistance with this matter. Should you have any further questions or concerns regarding this file, please do not hesitate to contact us Thank you
Marlene H*** | Project Manager*** ***

Thank you for bringing this complaint to our attentionThis file was recently closed as unresolved, but we feel we have addressed and resolved all issues raised in the complaint and respectfully request that you re-open this file and consider this response Thank you.Despite the customer’s
claims, all fees charged to the customer were in accordance with the Merchant Processing Application and Agreement (MPA) signed by the customer The MPA includes a detailed 2-page Schedule A setting forth an itemized list of all rates and fees applicable to the program and an equipment lease section clearly stating that the customer was to be charged $77/month for months and that the lease is non-cancellable Even so, our company gave the customer a courtesy refund of $in September to offset charges in August and refunded the customer its $annual PCI fee in October The customer’s processing agreement and account was terminated in January well before expiration of the agreed upon term and the customer was charged a $early termination fee in accordance with the Merchant Receipt signed by the customer, in which the early termination fee was clearly disclosed and agreed upon That said, per the customer’s request, we are refunding the $in December charges, the $annual fee, and the $early termination fee We recently left the customer a voicemail to advise her of these forthcoming refunds No grounds exist, however, for early termination of the customer’s equipment lease, the rights to which are owned by a third party leasing company, or for additional refunds for prior processing charges because those fees were all charged in accordance with the MPA signed by the customer.Accordingly, we feel we have addressed and resolved all issues raised in this complaint Should you need any additional information in order to close out this file, please let us know Thank you

I am rejecting this response because:The Company Prestige Payment systems sales staff was dishonest in all of their claims and *** (Prestige Sales) advised us that Prestige charges $per month for their fees and that is how Prestige makes their money The terminal provided is aprox$and the fees included is aprox$3, Why should a company continue to make a profit on our company for the next years after being so dishonest?The company has offered no resolution for their dishonesty, doesn't admit they are profiting off the $4,month contract, collected another $in cancellation fees, stopped the contract just short of us also receiving the last $in bonus fees.I don't see any resolution with this company

Dear Revdex.com Representative: Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the
Revdex.com We have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsIn July and August 2016, our company issued the customer credits in the amount of $1,in two equal payments of $in order to assist with any cancellation fees charged by his previous processorThe agreement signed by the merchant clearly states that the credit provided does not terminate any previous processing agreements to which the customer was a party and that the customer retained all responsibility for cancelling any such previous agreementsAs such, the customer’s claim that our company was contractually obligated to handle termination of his prior processing agreement is without merit Despite the existence of valid and enforceable processing and lease agreements, we agreed to terminate the customer’s agreements prior to expiration of the agreed upon terms and waive all associated early termination obligationsAs such, the customer will have no further obligations under these agreementsAs a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us knowThank you

Dear Revdex.com Representative: Thank you for bringing this complaint to our attentionWe have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and
conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsFurthermore, our customer service department has worked diligently with the customer to resolve her concernsPer the customer’s request and to reduce the overall cost of the customer’s program, we have removed various processing fees from her account and have issued her numerous refunds totaling $so far this yearAdditionally, the customer’s account has been placed on a seasonal to prevent unwarranted processing fees from accruing in the futureHowever, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third partyWe feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know Thank you

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meAlthough it took over a year to get this resolved, it has finally been resolved and I appreciate the efforts of the management..Sincerely, *** ***

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
**This is the first we have heard of this arrangement as we have not spoken to anyone representing Prestige Payments, but we will accept the lease being terminated and thank them for their decision.Sincerely, *** And *** ***