Smart Choice Payments Inc

Complaint: ***
I am rejecting this response because: I understand that the service with SCP has been closed, but if you enrolled me with *** *** without me knowing when I enrolled with SCP then you have to cancel and close with *** *** just how you started it*** *** was not mentioned to us what so ever when suzie came to "renew"we were lied tofrom my understanding that is fraud.
Sincerely,
*** ***

Dear Ms***, Smart Choice Payments, Incregrets your difficulty in cancelling your account Smart Choice strives to provide great customer service to their merchants and would like to see an amicable resolution to this situation It is our policy to require a written request to
cancel your account with us in order to protect both parties against misunderstandings such as may have been the case here As stated by our customer service, there is no record that you attempted to cancel verbally prior to sending in a written request Despite that, we feel you are being earnest in your billing concern Therefore, we will refund your months of non-activity fees for a total of $ Should you become unhappy with your current credit card processing service we would hope that you would reconsider giving Smart Choice Payments an opportunity to regain and earn your patronage Please call me directly if you experience any further difficulties with this matter Sincerely, Frank F*, Smart Choice Payments, Inc

Please see the attached documentsYou will find all Terms associated with the charges highlighted. Early Termination Fee - Page 1Applicables - Page 9Accelerated Monthly Minimum -Page 10 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 me
Although in regard to the "early termination" I do not.We were never notified of an early termination nor of any fees attached.When I discovered the almost $taken from our bank account I disputed it not knowing who or what it was for.The bank informed me it was the card company and I was surprised they had charged us.They call it an "early termination for lack of activity" I believe which makes no sense due to they had paid a different amount of $on the 16th of August from a different client of ours.I would like to see their copy of our original contract showing the information on the equipment and also an accounting for the "early termination fees and applicables" as they call it.When we set up the processing to be done through them we had informed their representative that we do very little in card activity and was told that wasn't a concern, so a little baffled about being terminated.We didn't make that choice, they did yet we must pay a fee?Thank you for your help in this and we will be waiting for the $check from themOur business mailing address is: ** *** *** *** *** ** ***.
Sincerely,
*** ***

Dear ***,Smart Choice Payments (SCP) apologizes for the inconveniences you are facingWe immediately began an investigation on your account upon receiving this notice and have found the following:The $4,transaction from August 16th, did not deposit since the Account was closed due to
inactivity on August 4th, 2016.SCP regrets the difficulty you are having in reaching a Representative from MRCWe tasked one of our own representatives with contacting them and they have successfully reached the correct Department at MRCA Service Ticket has been opened regarding that transactionOur Representative has issued a request to have a check sent to your Corporate address that is listed within your file in the amount of $4,000.00.***, this is the contact information our staff used to reach a Representative: (800)833-Once you call that phone number, please select Option Also, your Service Ticket number is ***SCP has received confirmation that a check has been issued today, April 3rd, 2017.Regarding the $1,charge that came through, $of that amount is regarding the card terminal that was loaned to youPlease mail your terminal to our corporate address and SCP can issue a refund in the amount of $once receivedThe remaining $is the Early Termination Fee and Applicables.Our corporate address is:SW Greenburg RoadSuite #200Portland, OR 97223Please ensure you put the business name as well as your Merchant ID Number on the box you send the terminal inSCP will contact you once the machine is received to confirm the refund process.If you have any additional questions or concerns, SCP encourages you to call us so we may solve any issues immediatelyYou can reach *** *** with Human Resources directly at (888)381-Ext***

Thank you for your comments and feedback
The contracts that you signed with Smart Choice Payments and the lease that you signed specified that the equipment to be shipped was the Clover mini. SCP truly regrets any inconvenience that may have been caused by the delay in getting
the equipment you desired delivered to you. We did refund the first month's payment you were billed while waiting for the equipment swap to be delivered
In any case, you signed the contracts and the lease. As a business owner it is your responsibility to read and make sure you understand contracts and leases before you sign them. Your failure to carefully read and understand before signing a contract or lease does not relieve you of the obligations and the costs incurred. You were billed early termination fees as provided for in the contracts you signed because you breached the agreement when you refused to install the correct equipment that was shipped and failed to process any credit card transactions
Smart Choice Payments regrets your decision to cancel We are willing to work with you if you are willing to communicate with us and continue processing credit card payments including possibly adjusting your processing rates and refunding cancellation fees. If you would like to explore your options please call our Retention Manager, at 503-992-

Smart Choice Payment would like to agree to this inquiry and offer a refund of $Normally, we would find a high class hotel for our clients to go on when delayed, but due to the amount of time that Mr*** has waited, we will offer a refund

Complaint: ***I am rejecting this response because: Although I appreciate you responding, you have not been clear as to whether your company is still demanding an early termination fee from meI have attached a picture of the part of the agreement in which the early termination fee was waived for your informationSmart Choice gave my personal address and phone number to an outside collections company named Commercial Collections of America http://ccacollect.net/
They posed as "private investigators" on your behalf and announced your intention to sue me for $1,or soThey made threatening phone calls and letters
In order for me to accept your response, I need you to put in writing that Smart Choice has no intent to sue or collect money from me and that you will order CCA to cease and desist contacting meSay that clearly in your response, and I will consider it a good faith effort.
For Dom E*** to explicitly say "No Early Termination Fee" and to write it clearly in the contract, and then for your company to send my info to a ghetto collection agency is unacceptableI need it in writing that this matter is settled.
Thank you.Sincerely,*** ***

I responded on behalf of American Payments Systems several times and received errorsI got your email to have another opportunity to respond to the complaint. Please see the attached documents with my response
"Good Morning ***, I want to let you know that I am a legal assistant in
the company legal department. I am not an attorney
According to our notes, we made numerous contacts to the customer via email and telephone after shipping the equipment on 02/10/16, regarding her complaint about the fee incurred to her account. The first delivery was made on 02/15/by which the equipment was refused by the customerWe contacted the customer on 02/22/and she stated that we charged her extra for the equipment, by which we did not- so our sales manager talked to the customer about this issue and it was resolvedThe equipment was re-delivered to the customerThe equipment had to be swapped out at one point, so we re-built another for her and re-shipped the equipmentCustomer emailed that she was happy with the product on 03/11/after installation and no fees incurred on 02/24/16, according to the attached agreement thereof
On 4/11/16, customer called about billing for the service of her equipment, and we explained to her that we do not offer free services for the use of the equipment for her businessCustomer called again on 07/11/and claimed to have free processing for one year, by which she could said she would provide proof of this agreement exchange with the best contact number which she provided to usWe made numerous attempts to contact her after she had not provided us with this agreementWe were not able to leave a message because a voice message was not available for us to do soOn 07/28/16,the sales manager was able to make contact with the customer and advised her that he could fix all the issues and even offered her credit for getting out of her processor.She was only interested in having the manager fix the fact that she was in collections now, but he could not help her
We maintained continual attempts to communicate with the customer about our contractual agreement that she made with our company per the attached documents provided therein. The customer signed in agreement to the sections stated above the signature line as well to the terms and agreements thereof. We only charged her for services rendered and nothing more according to the documents attached and her agreement with us thereinWe cancelled our services on 07/28/per her written request"
Sincerely,
*** ***
Legal Department

Upon receiving this complaint, I immediately opened an investigation of this account.During my investigation, I found that our Customer Service team is actively resolving all of the indicated issues within this complaintFrom the information provided to me from both Customer Service and Operations,
*** has been resolved and is choosing to continue their relationship with our company

I have placed your number in our DNC SystemThis has encrypted your phone number and will keep any person from our business suite from calling youPlease reach out to me should you have any further questions. Salana B***800-953-***

Complaint: [redacted]
I am rejecting this response because:havent receive check yet, today is thursday 22nd. I saw the picture on Revdex.com nice. but I asked for fedex or ups tracking number, they said they sent check via regular mail. very smart, as soon as I receive check and clear, we can close case, before that nope.
Sincerely,
[redacted]

We have contacted Mr. [redacted] and all matters have been resolved directly. A refund has been completed

Complaint: [redacted]I am rejecting this response because:
I have the whole sales meeting on video tape. I suspect you create new companies in other states to be your sales organization, then you use their non-existent reputation to deceive people into signing up with you. No where did I ever see Smart Choice Payment Systems on the contract. Likewise, I would have known not to use you. Your company has an awful reputation.
Based on your response, I hope you're a good person, although if you support the company you work for, then you bare responsibility in this whole mess.
We've had a terrible experience. The card reader does not take EMV, your customer service people didn't take down the correct information for our contract, we spent 2 months getting everything straightened out, we never got a refund for the money that was charged to my credit card to test the machine, and the contract shows that even if I didn't have any customer service, and the machine does not work, then we still owe you and [redacted] money for the entire contract.
If I did not trade you money for any service or equipment, then we have an illegal contract. You can't trade something for nothing.
I believe your company owes me $2200 for the contract with [redacted] Leasing, and $900 for the contract with your company, for fraudulent business practices.
Also, I'll bet money your company trains people like Paul W and/or James J at the Dallas Office with lies, which then they transmitted to his sales team, thinking they were honest information, and then you send people out into the world, thinking they are helping people with getting lower rates. I realize now that you get to hide behind sales organizations and say they are a third party, and we have nothing to do with them, so we don't bare any responsibility for their actions. God sees your actions.
I hope you are willing to work with us in getting a refund for this fraudulent business practices.
Sincerely,[redacted]

Dear [redacted],Smart Choice Payments (SCP) has concluded the evaluation of your Account. While it is unfortunate that you wish to cancel the services with SCP, we do understand in your situation. [redacted], you have been a great client with SCP for the three and a half years you have used our...

services and we appreciate it so much.In review of your Account and documents, I do see that your Early Termination Fee was waived from your Account. I did not find any documentation stating you were in a month-to-month contract. The only charges that would appear upon cancellation of services would be the Applicables, which with your Account, would be totaling $824.98. Concluding this investigation, Smart Choice Payments has finished your cancellation request and has waived the charges on $824.98. Unfortunately, as you are most likely aware, SCP cannot do anything with your equipment lease through [redacted] Inc. as they are a separate entity. I do suggest contacting them to understand your options. I have attempted to contact you via phone at the number listed with your complaint, but with no answer.SCP encourages you to give us a call to show confirmation of the decided process. Thank you Salana B[redacted](888) 381-6800 Ext. [redacted]

Smart Choice Payments (SCP) conducted an investigation to the Account immediately upon receipt of the complaint.SCP strives on customer satisfaction as well as transparency. We regret to hear about Ms. [redacted] dissatisfaction and hope that we may clarify any confusion.   As stated on the notated...

Merchant Receipt Form (MRF), the Early Termination Fee was waived. SCP audited the billing for Avalon Antiques, LLC and was able to confirm that the Early Termination Fee was not charged upon cancellation. You will find that when Avalon Antiques, LLC signed up for our services March of 2016, the following fees were waived upon enrollment: Equipment Application Fee, File Build Fee, Programming Fee, Installation Fee. Bringing a total of $893.98. As stated on the Terms and Conditions, if you chose to cancel your contract with us early, you are responsible for those fees.   Feel free to contact me any time,   Salana B[redacted]@smartchoicepayments.com (888) 381-6800 Ext. [redacted]

Mr. [redacted], thank you for your comments.  Being a company that strives to provide excellent customer service, your feedback allows SCP to improve it's service.  The one page Merchant Receipt Form that you signed on November 19, 2015 clearly describes the leased equipment and the terms: 3...

Dejavoo Z8 (VX520) and a Dejavoo Z6 pin pad.  60 months at $480.00 per month.  It is your responsibility to read the contract before signing.  Failure to read the contract before signing does not release you from the terms and obligations of the agreement.  You returned two of the VX 520's that we sent to you that were part of your lease(s) which is why you only have one terminal now.  SCP would be happy to happy to return those to you.  Please contact customer service to arrange for delivery (800) 381-6900.  Thank you.

Dear sir:
I am very sorry to hear about the negative experience you had with SCP. It is our goal to be as transparent as possible when it comes to our contract terms. 
At this point in time, we are currently investigating the matter at hand. We sincerely appreciate your patience with us as...

we delve deeper into the convoluted transactions. 
We will be in touch with you in the upcoming days to ensure this is resolved as quickly and amicably as possible. 
Sincerely,
Anna P[redacted], PR Administrator at Smart Choice Payments

Dear Mr. [redacted],  Smart Choice Payments apologizes for the difficulties you had with your Account during your cancellation process. We have conducted an investigation and found that the amount of $1,388.98 needs to be refunded to your account immediately. We have placed a refund within...

our Billing Department and expect a total of $1,388.98 to appear in your account by Monday, February 20th, 2017. Smart Choice Payments strives to provide the best customer service experience possible and regrets the obstacles you had in solving this issue. We thank you for your patience Mr. [redacted], and we wish you the best in all your future endeavors.

I am responding on behalf of Smart Choice Payments to the Revdex.com complaint submitted by [redacted] of Gold Country Adventure Cycles in the hopes of achieving an amicable resolution. As of today, January 29, 2016, Smart Choice Payments (SCP) has closed out [redacted]’s account with SCP. Furthermore, the termination of this account will occur without requiring the merchant, Ms. [redacted], to pay any current or future billing fees or charges owed to SCP, but only hinging on the condition that Ms. [redacted] returns her credit processing equipment within ten business days of this letter’s date to Smart Choice Payments[redacted]. If Ms. [redacted] complies, this matter will be fully resolved. Smart Choice Payments is mindful of the need to accommodate for the demands of the client. As 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 without owing any obligation to the client. In this particular scenario, SCP understands Ms. [redacted]’s desire for indemnity and hopes to assist her to the best of the company’s ability and resources in alleviating the situation. Here at Smart Choice Payments we strongly prefer a mutually beneficial conclusion to this business matter. We regret having to end our professional contract with Ms. [redacted], 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 priority. We hope that in the spirit of good faith and business practice, this correspondence will be considered a congenial end to our transactions. If Ms. [redacted] ever wishes to renew a professional relationship with our merchant processing services, we at SCP would welcome the opportunity to earn back her patronage. Finally, SCP would like to thank Mrs. [redacted] for bringing his account issues to our attention. We highly value customer feedback as it helps us progress and grow as a company. Ms. [redacted] may feel free to contact me directly at [email protected] or call my office phone at (888) 381-6800 extension [redacted] with any further questions or concerns. Sincerely,