Smart Choice Payments Inc

Good Morning ***,
I am the legal assistant at Smart Choice payments I am not an attorneyI manage the legal process here at SmartChoice PaymentThe customer signed the MRF on July 16, and we received the paperwork on July 19, At that point, the process of the signed paperwork
for approval, equipment build, delivery and setup, usually takes a few days, which is standardWith that said, we contacted the customer on 07/25/ in re: acceptance of delivery equipment and setupHowever, he conveyed that he "did not want the product" and "refused delivery"We attempted to work with the customer while he agreed to a 90-day trial with usHowever, he still declined and did not want the equipment delivered.
The customer's credit union called on 8/18/in re: behalf of the charges made in his account; but because they would not advise us how they were associated with the business for security reasons, we conveyed to the person at the credit union that the customer needed to contact us directlyThe customer contacted us about the ACH fees that were withdrawn from his account, and also agreed that he signed the paperwork; however, he refused the delivery of the equipment because no one "accepted his call or responded to his voice mails or emails." According to our notes, there were no phone call or email attempts made by the customer about his reservations or equipment delivery refusal prior to our contact with him to accept deliver and set up, which is paramount in our company so we can respond accordingly.
The customer signed the MRF, thereby agreeing to section stated therein, as well as his agreement to the the terms and conditions attached for your review We made attempts to work with the customer at the point of delivery and set up ready - as well as willing to work with him during his day trial, and if he was not satisfied with the product, we would refund the fees to him, per his is agreement with us. There was no lease involved, and we waived the "Applicables" and ETF fees which are in the MRF attached thereinHowever, the customer was not willing to come back

***, I understand that one of our customer service experts has been communicating with you in an effort to produce a resolution to this matter that will be mutually beneficial to you and Smart Choice Payments with the goal of retaining you as a customer and a reasonable lease arrangement A proposal has been offered and we are close to resolution Thank you for your continued patience as a viable solution has been sought

To *** *** and All Concerned Parties:
I am responding
on behalf of Smart Choice Payments (SCP) as Smart ChoicePayments Corporate ParalegalThis letter is in response to the Better BusinessBureau Complaint #***, made by *** *** *** of *** *** ***IncThis letter will address Mr***’s claims with the hopes of achieving anamicable resolution
On or around July 11, 2014, Mr***, on behalf of* *** *** *** entered into theMerchant Processing Agreement ("MPA") with SCP and personally guaranteed all of* *** *** *** obligations under the MPAShortly thereafter, SCP sent theprocessing equipment to *** *** *** *** which was delivered and accepted by Mr.***On August 6, Mr*** notified Smart Choice Payments in writing that*** *** *** wished to cancel it’s account with SCP
Pursuant to the terms set forth in the agreement, the MPA was to be renewed on July11, 2017, unless written confirmation of cancellation was received days prior tothe renewalMr***’s cancellation notice was received before the renewaldateMr*** chose to terminate the agreement prior to the full term of the MPA,and therefore was charged an early termination fee as per the agreementThis included
any fees that had previously been waivedThese fees were assessed pursuant toMr***’s early termination, in addition to the Early Termination Fee of $495.00,the waived applicable fees of $were assessed under the contract
Mr*** is a sophisticated business owner who entered into a commercialcontract on behalf of the businessIt is Mr***’s duty to read the contracts intheir entirety before signing themFailure to read the contracts before signingdoes not relinquish Mr*** from the costs incurred due to early termination.Once he signed the contracts, indicating a meeting of the minds, he becamesubject to the terms and conditions of the contracts, including any applicableearly termination feesThe signed MPA does not have the early termination feewaived; nor is it in SCP's customs and practices to waive all fees under thecontractSCP oftentimes waives fees such as: Application fees; Programmingfees; Instillation fees; and Monthly minimums, in order to benefit the businessand continue services with SCPSCP is willing to adjust Mr***’s rates andwork with him on any issues he has if he will continue using SCP's servicesSCPis mindful of the need to accommodate demands for satisfactionAs a companythat thrives only due to its satisfied customers, SCP often meets its customers'requests for service changes, contract modifications, and other requests that it isnot obliged toSCP regrets *** *** *** *** desire to cancel with SCP andstrongly prefers a mutually beneficial conclusion to this business relationship.Additionally, SCP strives to provide great customer service to their merchantsand would like to see an amicable resolution to this situation
SCP would like to resume its business relationship with *** *** *** *** andMr***, and we hope that he will consider working with SCP to find a positiveresolutionFor the quickest possible resolution, Mr*** should contact ouroffice directly at *** *** ext.*** or at ***
Sincerely,Frank Ef*Paralegal
***Supporting Documents Redacted By Revdex.com***

Complaint: ***I am rejecting this response because: The cancellation was due to faulty equipment and poor customer serviceWe feel that should release us from any agreementHad we not incurred these problems that were not in our control we would have continued service. Sincerely,*** ***

Clearly, the rep of whom the customer entrusted is no longer with our company per one request she conveyed in her complaint Moreover, the problem therein, according to the attached emails she provided, is more about the leasing charges and processing ratesAlso, the customer stated her apprehension because of her prior experience She clearly relies upon the sales rep to do the figures for her - additionally, she forgot about the combined other expenses later, by which she admitted with an apology in her email exchanges to the sales rep
With that said, even as the sales repdid not mention a leasing agreement of whom we contract out - it is still the customer's responsibility to read the small, medium, and large print of the contract The fact that she had a previous bad experience in sales, my expectations would be that she would have been more studious about this sale before signing and agreeing to the terms and conditions, the sections stated above the signature line, as well as the "non-cancelable equipment finance lease agreement." The Non-Cancelable equipment finance lease agreement is a clear indication and a hi-light that anyone who has had prior negative experiences, would have noticed and put the brakes on in question and concern However, she did not and "hand-signed" her name with no indication that is was forced upon her
Further, obviously no merchant can control what credit cards their customers use, and sometimes not even how to charge the sale [debit/credit] However, it is the merchant's responsibility always, to calculate months of the year processing and have a basic monthly baseline of processing - thus estimate minimum monthly payment rates It is obvious, however, that the issue is clearly about the leasing company and not with our company It is out of our hands, at this point, and the customer should try to resolve her complaint with the leasing company.
We are open to help her with this issue, in fact, we have someone who has reviewed her monthly processing, and can definately coach and ease the customer about her agreement with the leasing company, as well as effectively help her with processing ratesWe hope this resolves any other issues or concerns that the customers may still have with our company

Smart Choice Payments sincerely regrets Ms***'s dissatisfactionWe have provided copies of the contracts and agreements that were signed upon enrollmentWhen the company Ms*** previously worked for wanted to begin services with us, we had to create separate merchant accounts for each stylist within the salon that wanted to process with SCPThere was only two individuals that enrolled in our services and both signed separate service agreements voluntarily. As shown in the attached documents, Ms*** signed these agreements which express the guidelines required by both Smart Choice Payments and the merchantThe other stylist that enrolled in our services have the same obligations. SCP would like Ms*** to review the attached documents as we believe they would help with some of her concerns and also welcomes Ms*** to directly call Salana Bannick to further speak about this concern to better understand the contract. Salana Bannick (888)381-Ext

Complaint: ***
I am rejecting this response because: It is inaccurate and untruthful. I was specifically asked to take a photo of my signature and attach it as a file to the email requesting cancellation. No agreement was presented or signed by myself during the setup process, there for, no mention of a cancellation fee was ever presented in writing to me. $dollars to remove me from their system is an unfair and unethical amount of money to charge since there is no contract involved with my name, and the company that I worked for is still using their service and equipment. I called on two separate occasions to try and resolve the issue, and both times I was pressed (bullied) by the associate on the phone to keep my account open and purchase a new machine from them for my new place of employment. They also made threats that this would go to collections and be placed on my credit report unless I continued to do business with them. I will take legal actions if the issue is not rectified
Sincerely,
*** ***

Complaint: ***I am rejecting this response because:
There are many problems with this person's statements:
I actually tried to communicate with them many times before I was forced to discontinueHere are examples
On July 18th, I send an email with supporting documents to '[email protected], from whom I NEVER received any reply
On July 23, again I sent an email to Belinda (above) to ask " I am just curious as what happened to my account? Can you please update me on the processI expected it to be completed in a couple of daysThanks,"And, again I NEVER received any reply from her
On July 23, I actually called their local office here and left a message asking what for the copy of my documents that I had signedAt that point I was not sure what exactly I had signed because of the individuals from this outfit who seemed to be in rush to get me signed up and then leaveOne was named "***", how had the demeanor of a con artist
On July 24th, I called the office and asked the receptionist to connect me with ***I left him a message saying that I needed to terminate the deal because of the lack of any type of communication and terrible customer supportHe had bragged about how wonderful they were and that they could be here in 1/hr, if I needed them
I rejected the delivery of the card reader after I had requested discontinuation of serviceTo this very day, I never saw the copy of my contractI find it interesting that it was provided to the Revdex.com before it was provided to meThe reps from this company never provided any credentials to prove who they wereThey took my bank account information, copies of my driver's licence, and checks and left, never to be heard from again until they stole money from my bankI work hard for my money and will not let this rest and am seeking other options too.
I was cheated out of almost $by a bunch of crooksAnd, they still insist that they were right to do so*** NEVER told me that I had to stay with the service for years verbally and never provided that in a written format until now
Sincerely,*** ***

Client communication is paramount in our company, as well as satisfaction with our productsWe had ongoing contact with the customer since she purchased our productTo start:Since the sales agreement, the sales rep was in contact with her as well as our company teamFirst, the 90-day trial has
since expired.7/29/16, the customer left a message about questions about her accountWe returned her call and there was no answer so we left a message asking her to call us back.08/1/we contacted the customer when she returned our callWe discussed her concern by explaining to her that the lease was separate and we did not see anything in the lease about the 90-day - We asked if she could provide the documents supporting that agreement with the sales repShe stated that would provide.08/02/16, we emailed customer in reference to the things we could and could and could not dofor instance, we offered to lower her rate, even though she was getting an exceptional deal to start.Furthermore, we offered to assist her in taking a PCI test to save more on the PCI fee We let her know that we assessed her batch fee and could lower that as wellWe informed her that it was her responsibility to pay the lease agreement as her agreement in the attachedAdditionally, we reminded her of the waived ETF fees that contained a hefty amountHowever, we let her know that if she still wanted to cancel, she would need to send an official letter that consisted the business name, reason for canceling, and her signature.08/03/the customer emailed back of her understanding that payments were high because of the equipment lease and believed the sales rep wasn't giving her the entire information at the tine of the sale.while the sales rep was conveying the financial issues to the customer, our contracts are clear within the terms and conditions, as well as the sections provided for her to read above the signature line The customer paces the "time frame" of having the opportunity to read everything and ask questions prior to agreeing and signing the contract We contract out with the leasing company and provide information about the lease within the agreement We responded back to the customer to explain the contractual agreement made between us and herHowever, we let her know that if she still wanted to cancel, she would need to send an official letter that consisted the business name, reason for canceling, and her signatureWe again wanted to try and work with her by lower the rates with us in order to help her save more but we could not do anything with the leasing company nor could she cancel the lease.08/18/the customer left a message with questions about her terminal We called her back but she was not available, so we left a message with her employee to have her call us back.8/18/we then sent an email to the customer in response to her question of the letter we sent to her explaining our relationship with us and the leasing company - we wanted to get our present customers up to date with new leases and updated equipment We offered tech assistance to help her with the equipment if she again has any questions or concerns.I attached the contract that the customer agreed to with us and our servicesWe did not force the customer to sign, nor did we not allow her to read what she was agreeing to sign up for with our companyWe give all our customers the opportunity to read the contract, ask questions, and sign therein

I am in receipt of your complaint lodged with the Revdex.com and will address the issues you have brought to our attention. *** *** *** became a customer of Smart Choice Payments, Inc(SCP) on July 16, At that time, you signed a Merchant Processing Application
and Agreement and a Merchant Receipt Form. Unfortunately, I can find no record that you called in to SCP to cancel, but as you have noted, our policy is to request cancellations in writing to avoid ambiguitiesOn July 23,we received a form from you, a debit add on form, requesting the ability to process debit card paymentsWe promptly made the changeThe terminal was originally delivered to you on August 5, but when we tried to install it, we discovered it was defective, so we replaced it and it was successfully installed on August 15, SCP also issued a credit in the amount of $on August 27, Subsequently, on November 11, you called First Data to request an updated terminal and the callwas transferred to SCP customer serviceWe explained that there would be an $transfer fee but that we would reduce that to $and absorb the difference to keep you processing paymentsAt that time you signed a new Merchant Receipt Form and a lease addendumA new, compliant terminal and was delivered to you approximately November 30, it was installed on December 1, Apparently the terminal manufacture called you and told you to download some update software, which caused the terminal to malfunctionWe advised to call SCP if the manufacturer ever requested that you download an update in the futureWe communicated with the manufacturer to try to resolve the issueWe resolved the problem caused by the manufacturer on December 2, We issued you a $50.00 credit for the time the debit portion of the processing was not workingAt all times SCP was diligent in resolving any issues you hadOn April 11, we received your cancellation letter
At the bottom of the updated MRF signed on November 19, 2015, just above the signature line the following language appears:
“By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement , and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement.” (underline added for emphasis)
The Placement Agreement terms and conditions provides, under item number two “Term and Termination”:
The initial term of this Agreement that encompasses the separate andindependent Processing Agreement and Equipment Lease shall be for a periodof three years, commencing on the date set forth on page oneThis agreementshall thereafter be automatically renewed for additional terms of two years eachunless either party notifies the other no later than thirty days prior to the end ofthe current term that it does not wish to renew this Agreement”
The update Merchant Receipt Form was signed on November 19, Therefore, you’re cancellation was an early terminationYou were charged a termination fee of $as per item Service Fee Schedule Miscellaneous Fees of the MerchantApplication and Agreement signed July 16,
Finally, the Placement Agreement terms and conditions also provide under item number four, “Effect of Termination”:
“Upon and termination, APS shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee.”
Due to early termination, you were billed the fees which appeared on the face of both versions of the Merchant Receipt Form but had been previously waived; $495.00 Programming Fee, $Installation Fee, $File Build Fee and a $99.00Application Fee for a total of $
You are a sophisticated business owner who entered into a commercial contract on behalf of *** *** ***It is your duty to read contracts in their entirety before signing themFailure to read the contracts before entering into an agreement does notrelinquish you from the costs incurred under the terms of the agreementOnce you signed the agreements, indicating a meeting of the minds, you became subject to the terms and conditions of the contracts, including any applicable early termination fees.Your contract also authorized SCP to debit amounts from your checking account for payments due under the contract and you provided a voided check for this purpose
I hope this letter helps to explain the outstanding charges you were billed for
Sincerely,Frank FLegal DepartmentSmart Choice PaymentsSW Stratus StSte150Beaverton, OR 97008(888) 3816800Ext***[email protected]

Complaint: ***I am rejecting this response because:
After over a year of me calling and emailing Smart Choice to get this resolved, you are just now reviewing my
complaint????? Smart Choice has also since sent me to collections for $dollars they never once asked me for or billed me for or mentioned during my many many calls to Smart Choice asking them where My money was at and when their hold would be finally released? Or why there was a hold in the first place? Now they say I owe them from an account they closed on me over a year ago and that they still hold over $20,dollars of our moneyAgain never asked me or billed me just sent me to collections after a year of ME calling them and emailing them asking for any explanationsNever once got a response with any explanation?
I just received the tax docs for the 20k taken by smart choice in Jan and held at First data so if I received tax docs for money I never got back what am I supposed to do? That also did not count the money from Oct, Nov & Dec which they also held The from Wells Fargo account that was held by First data was released but not the money held by Smart Choice? again I just received the for taxes for BOTH, Wells Fargo and Smart Choice accounts and only the Wells Fargo was repaid back to our account Bank records will show that the money was never put back in my account besides a small deposit of $dollars in July Hardly the 20k + that they held in the first place between Oct and Jan We had been doing business with them since around April processing about 25K a month on average.
Also since this Revdex.com case was started I have only received email from (Leagal@smartchoice) and 0-zero phone calls or responses to any of my emails from Smart Choice. At this point I don’t understand why Smart Choice decided to pick on us and close our business but that is exactly what happened because of Smart Choice. And that was not enough for Smart Choice, now they still won’t return the money they stole from me and now they are going after my credit by claiming I owe them money and seeding me to collections? Where is the justice? Who protects the small business owners from companies (Sharks) like this?
Sincerely,*** ***

Contact Name and Title: Anna P***, Public Relations AdministratorContact Phone: *** *** *** ***Contact Email: ***@smartchoicepayments.comRevdex.com Complaint Case #***Name: *** ***Company Name: *** *** ***To Whom It May Concern: I, Anna P***, am responding on behalf
of Smart Choice Payments (SCP) Public RelationsThis letter is in response to the Revdex.com Complaint #***, made by *** ***This letter will address Mr***’ claims with the hopes of achieving an amicable resolutionOn October 25th, 2015, per Mr***’ request, SCP closed the *** *** *** accountFurthermore, the termination of Mr***’ account occurred without charging any feesTherefore, SCP believes this matter to be fully resolvedSmart Choice Payments is mindful of the need to accommodate for the demands of the clientAs a company that thrives only due to its customers’ satisfaction, Smart Choice Payments often meets its customers' requests for service changes, contract modifications, and other requests that it is not obliged toHere at Smart Choice Payments, we strongly prefer a mutually beneficial conclusion to this business matterWe regret having to end our professional contract with *** *** company *** *** ***, but SCP fully understands the nature of a free market and that industry thrives on always putting the consumer’s and client’s preferences as first priorityWe hope that in the spirit of good faith and business practice, that this will be considered an amicable end to our transactional correspondenceHowever, if in the future Mr*** finds himself considering renewing a business relationship with Smart Choice Payments, our company is always receptive to recommencing with *** *** ***Finally, SCP would like to thank Mr*** for bringing his account issues to our attentionWe highly value customer feedback as it helps us progress at our jobsMr*** *** may feel free to contact me directly at [email protected] or my office phone *** *** extension *** with any further questions or concerns Best Regards,Anna P***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

American Payment Systems (a.k.aSmart Choice Payments) has received your complaint An investigation and formal response will be forthcoming Our desire is to resolve the situation as soon as possible Thank you

Complaint: ***I am rejecting this response because:
First of all, hopefully I don't have an additional lease with American Payment Systems, per *** *** attachmentA correction to that document was later sent to me(attached)
Second, please see the attached proposal offering a savings of $based on my previous credit card statementsThis document shows that there were significant AMEX transactions and also includes the "Terminal Share Program" fee (aka credit card machine lease) The representative included ALL the transactions at the pin-debit .05% rate to INTENTIONALLY EXAGGERATE SAVINGS I expressed my concern many times about the lease expense, leading to the 90-day trial period offer prior to signing contractNot once did *** say that the trial period would not include the lease agreement
Last, I am attaching the emails between myself and ***, which I may have attached previously I will detail the content of these emails in case you didn't get or review them Prior to the 7/29/message and returned calls to/from customer service, I emailed my so-called "representative" on several occasions expressing my concern over the cost of the added leasing fees, and letting him know that I would probably need to get out of my contract within the 90-day trial Not one of those times did he express that the "3rd party lease" was not included in that
5/4/16: Concerned over charges to my bank account, *** *** *** *** *** *** was quick to reply and offer to check into the *** *** charge, which turned out to be a totally unrelated charge
6/24/16: After receiving my May statement, I sent a copy of it to *** telling him what my ACTUAL effective rate was, with and without lease fees Again, I expressed my concern about the monthly fee in addition to processing rates, but agreed to wait until my June statement came and get back to him so he could make sure we were not being charged for anything that shouldn't be
7/11/16: After receiving my June statement, once again I sent a copy of it to *** telling him what my ACTUAL effective rate was, with and without lease feesThis time I asked what I needed to do to cancel my account He responded with something about an annual fee billing error, many of the charges were on AMEX which has a higher rate and offered to look into lower ratesMy reply was that I can not control what type of card customers pay with and in order to get the effective rate down to a reasonable number, I would need to process an extremely large dollar amount in sales
7/12/16: Email expressing my appreciation for him trying to find new rates, but that it was not going to work out with the lease fee added on NO REPLY!
7/13/16: Email stating that it has not been like *** not to get back to me and hoping I am not getting the run-around NO REPLY!
7/21/16: Emailed *** again asking him to get back to me NO REPLY!
That is when I figured I would need to contact customer service, which I did on the 29th of July to make sure I let them know I wanted to cancel within the trial period.
Regarding the most recent correspondence on 8/18/16, I had questions about a letter I received stating that Smart Choice Payments was no longer doing business with Northern Leasing, but I am still locked into this contract for the remainder of the term They did not provide any helpful information about this problem I am having because of the contract entered into through their company
I would have never signed with EITHER company if they had been straight forward from the beginningSaying one thing to a potential customer and then having them sign something with small print that they believe they can hide behind when they can't back up their promises is no way to run a legitimate business I have never expressed a problem with the actual rates, just the lease fee added to it that makes it high!
I got a call from another SCP representative, *** *** while writing thisShe seemed to be trying to do everything she can to make this right and keep my business, still there is nothing that can be done about the leaseI am still leery of continuing to do business with them because of the original rep, but am now at least considering it because of my conversation with her
Sincerely,*** ***

Complaint: ***
I am rejecting this response because: I want to cancel my service with smart choice paymentsI have provided the sheet where it states that per *** ***, they will waive the early termination feei have daysThe days ends 02/16/Smart Choice Payments sent me to collection already and want $7,I also attached the collection letterI want to Smart Choice Payment to pay the cancellation fee for Northern Leasing SystemsIncas *** *** said, when she came in to update the services
*** ***

Upon receiving this complaint, I immediately opened an investigation of the account.During the investigation, I found that a miscommunication occurred regarding the procedures to cancel servicesOur Customer Service team was expressing that a letter stating you wish to cancel with your signature
must be sent to us through an emailMs.*** sent Customer Service an email requesting cancellation in the text body of the email and attached a picture of her signatureThis is not what our team was requesting, it seemed that just a miscommunication occurred.Since the email was authentically sent by the representative of the company, we were able to use the text body of the email to process the cancellationOur company did not make any actions with the picture of Ms.***'s signature and will not as that is against Policy.Attached is all of the documents involved in the enrollment of services Ms*** signed up forThese documents indicate what is owed at time of cancellationMs*** was not charged for a Lease.Here is a summary of what was charged towards the account upon cancellation,Early Termination Fee - $(found on "Merchant Processing Application & Agreement")Applicables - $(found on "Merchant Receipt Form")Accelerated Monthly Minimum - $(found on "Placement Agreement')Total: $1,

Dear ***,Smart Choice Payments(SCP) regrets the difficulties you had with batching your terminalI began an investigation of your account immediately upon receipt of this Complaint and have found the following: The delay in your deposits as well as the difficulty with batching only debit was
due to batching your machine after the deadline SCP requires, which is 6:00pm CSTFrom a note within the account, I see you were batching around 10:00pm PSTWithin the notes on your account, members of our Customer Service, Tech Support, Applications Processing and Retention, as well as the Controller, diligently worked on your account throughout the month of March and AprilA solution was offered for *** to batch out her terminal prior to 6:00pm CST to avoid any of the previous issuesContinuing to batch after that time caused the issues to repeat and requiring a credit transactionOn April 6th, at 8:30am, *** spoke with the Customer Service Dept during a Welcome Call, requesting us to find an alternate solution to the debit batching On April 6th, at 2:37pm, *** canceled her account before we could attempt an alternate solutionSmart Choice Payments does regret that you canceled with us before we could find an alternate solutionThe charges that are being noted is the Early Termination Fee as well as the ApplicablesThe Applicables were waived upon your account creation, which are the costs in building your accountAs stated within the contract, should you cancel your account early, you will be charged those ApplicablesPlease feel free to contact me to further go over those charges or if you have any questionsThank you*** ***@smartchoicepayments.com(888)381-Ext***

Complaint: ***
I am rejecting this response because:As you can see by the Merchant Receipt Form, Beau initialed the there was No early termination fee and that the Merchant may cancel at any time without penalty.Also down at the bottom half he also initialed that the fees (Equipment Application fee, File Build Fee, Programming fee, and Installation fee) were waived per BeauThe company withdrew $on August to cover those fees without our consent.Hopefully you can understand my concern.Thank you so much for your help
Sincerely,
*** ***

Good morning ***Thank you for the email as I believe I made a mistake by not approaching that compliantI will investigate the account and respond no later than tomorrowMy apologies Salana B*** Human Resource Specialist