TransFirst

We have reviewed the merchant’s account and our records indicate that all fees were properly disclosed to the merchant in the form of a merchant application and agreementOur records also indicate that the documents were executed by the merchantHowever, as a show of good faith as, we have closed the merchant’s account, waived all applicable early termination fees and have issued a refund in the amount of $for January statement feesWe are hopeful this will resolve all issues and are committed to ensuring customer satisfaction

Case: [redacted] MID: [redacted] DBA: [redacted] Mr [redacted] , Thank you for sending in your feedback through the Revdex.comIn response to your Revdex.com concern, your merchant account was approved on November 30, All applications are reviewed by an analyst for additional Know Your Customer (KYC) requirements, and a site inspection was needed to validate your business operations and inventory due to this being a home-based business At that time, funds were held until validation of the business was completedTSYS is authorized, per our merchant agreement, to utilize a site inspection to validate a business [redacted] is a separate entity from TSYS [redacted] waiving a site inspection requirement does not forgo that requirement through TSYS On the afternoon of December 1, 2017, we received notification that you refused to allow the site inspection to be completedOnce we received the notice of site inspection refusal, we were unable to validate business operations and a closure request was submittedDue to the timing of the mailing schedule, a letter could not be sent out that same dayThe letter was sent out December 4, Regarding the transactions held, we do reserve the right to hold funds, if necessary, for up to days per the merchant processing agreement (section 3.3, sub-section b)This is to cover any trailing risk associated with your merchant account If cardholders do not receive the product, the cardholder could then exercise their chargeback rights Additionally, it was found you were selling name-brand products with no proof of authorization from those companies, which is a violation against the card associations (I.E [redacted] Currently, we have $on hold and there is $that was not settled through the terminal Regarding, the $159.99, you will need to settle those transactions through your new processorTo expedite the release of the $on hold, please supply documentation showing the consumers received the products sent for these transactions Lastly, your account has not been listed on the MATCH database Please do not hesitate to contact us further if you have additional questions or concerns Regards, TSYS Merchant Services

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ Dear Sir/Madam ~ In response to information related to case # XXXXXXXX with regard to [redacted] principal [redacted] , TransFirst offers the following information The account was newly boarded with TransFirst to accept credit card paymentsIn our effort to validate the business and funds being processed, we attempted to contact [redacted] on Friday, 8/28/ There was no voicemail option availableWithin business hours, TransFirst attempted again to contact [redacted] , but was unsuccessfulA letter was sent to follow up On 9/2/2015, [redacted] contacted TransFirst [redacted] and was asked for additional information to validate the business and transactionsThe interaction became confrontational and the call was ended [redacted] was contacted by a member of [redacted] team later this same morning, 9/2/The business was explained and the transactions validatedThe funds totaling $2,were released same day 9/2/ We regret the experience that [redacted] initially had with our company and anticipate to have a mutually beneficial partnership ongoing TransFirst, Incis committed to abide by Revdex.com accreditation standards which include a commitment to make a good faith effort to resolve consumer complaints or concernsHowever, we also have a responsibility to ensure that we are processing card activity properly and in accordance with card association guidelines Thank you, [redacted] Director ~ [redacted] XXX-XXX-XXXX Fax XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (4200, 11, 2015/10/26) */ This company processedmy sales and refuses to release funds holding my clients and I responsible while they have the money I have been using this company to process my salesI have had to filed previous complaints as they process the sales and never send you the your moneyI have clients and employees who are sufferingThey claim they need additional record which I have no problem providing and have but they won't tell me how to send them the record and instead say the account is in hold because we did too much businessI have my proof or documentation of them formally asking for records or a reasonThere are $worth of funds currently being held and no one from Transfirst will answer or contact meI' have all my records and documentationThis isn't the first time and I have contact my lawyers and this is now my second complaint Please help [redacted] sports LLC XXX-XXX-XXXX I would like my money released is allI also like to be refunded the fees they took for processing but at this point just want my money and to walk away Final Business Response / [redacted] (4000, 16, 2015/11/18) */ In response to rebuttal 10/26/requesting release of fundsThere are currently no funds retained with TransFirst, Inc Merchant processed (6) credits/refunds on 10/23/to offset the (6) sales that totaled $2,The account is currently closed

Hello Mr ***, I am writing in reference to the Revdex.com Customer Dispute that you submitted regarding our Meet or Beat promotion through [redacted] *** First off, let me apologize for the length of time that it has taken for us to resolve this for you and the effort that you had to put forth to receive that $offer The sales person that you had been working with [redacted] , resigned around the same time and this issue had not been escalated to Management for us to resolveI will be sending you a gift card in the amount of $ to the address that you provided in your letter(attached) If you could please confirm back to me via e-mail that this is correct, I would feel more comfortable processing the card order After you receive your gift card, if you would please let the Revdex.com know that this issue has been resolved, I would greatly appreciate it At TransFirst, our reputation is everything to us and we work hard at keeping out A+ Revdex.com rating and providing World Class Customer Service to our clientsAgain, I sincerely apologize for the frustration this has caused you and I do hope that you will consider us again for your Merchant Processing needsRegards, [redacted] ***

At the center of this issue is an ongoing dispute between Mr Manolache (Merchant) and his customer Our company has reviewed the rules with him that govern any Visa card transaction, rules he agreed to comply with when signing his Merchant Processing Agreement We have presented all the documentation that the Merchant has provided to us, sending everything through Visa to his customer/and/customer’s bank (Chase) The totality of this does not adequately address the issue to compel his customer/and/Chase to reverse the chargeback and reinstate the transaction under Visa dispute rules and regulations His customer has both the $from the chargeback and the motorcycle We recommend that [redacted] attempt to retake possession of the motorcycle since under Visa rules there is no recourse to recover funds from his customer However, [redacted] must fund this chargeback with TransFirst and maintain an adequate balance in his checking account to cover all fees for processing and any future customer disputes should they arise As for the other issues, [redacted] raises questions of evidence regarding matters that can only be addressed in a court of law – video surveillance (to prove what is unclear), federal and state laws governing returns, even blackmail These issues need to be dealt with in a legal venue Please feel free to call us at [redacted] , option 1, 3, then ext for Collections or ext for Chargebacks, for further assistance

TransFirst has been in contact with [redacted] - Director of Customer Relations at Merchant Bankcard, the Independent Sales Organization that setup your merchant account with TransFirstHe has stated that he will request that $(processing fees) be refunded along with the $“Merchant Payment Insurance” upon receipt of the equipment that is being returned to their office The Amount of $is the remainder of the fees charged in April, as $has been refunded as a courtesy by TransFirst as of Thursday, May 19th.In addition to the refunds, upon receipt of the equipment and processing of the refunds, Merchant Bankcard will also close your merchant account with TransFirst.Again, we apologize for any inconvenience and hope that through the efforts of the TransFirst team, you are able to resolve this issue with Merchant Bankcard

Initial Business Response / [redacted] */ Please see attached Initial Consumer Rebuttal / [redacted] */ (The consumer indicated he/she DID NOT accept the response from the business.) All that you have said in your response is what I already know: There is a lease filled out in my name with [redacted] a lease that was facilitated through TransfirstMy COMPLAINT is that Transfirst told me nothing about the lease when I signed up, and that even though I SPECIFICALLY told the representative I wanted to purchase the equipment, they signed me up for a lease insteadYou have provided an electronically signed documentIt could have been signed by anybodyBut for the sake of argument lets say I signed itWould it be a [redacted] move ot sign something without reading all of it? YesBut that would not change the fact that the representative from your company told me I was buying the equipment when in fact they knew I would be leasing itIt does not change the fact that they LIED, and therefore Transfirst LIEDIn your response you gave me the number to [redacted] I know the numberWhat I want is for TRansfirst to take care of the lease for meThis is a problem Transfirst created by a lie and I expect Transfirst fix it by contacting [redacted] and convincing them to cancel lease without penaltyIf Transfirst does not do this, I will take Transfirst to Small Claims court here in [redacted] which will cost Transfirst more time and money than it would for them to fix thisIn closing,if you think my claims unfounded and that it is unlikely I was lied to by one of your reps, just give the topic a quick google to find horror stories (google "transfirst lied about lease"): https://www.cardpaymentoptions.com/credit-card-processors/transfirst/ (read the comments below especially) [redacted] Finally, if the Revdex.com considers this a good faith effort at solving the complaint that will cause me to lose alot of respect for the Revdex.comPassing [redacted] buck and denying all wrong is not a good faith effort Final Business Response / [redacted] */ Dear [redacted] , I wanted to thank you for taking the time to speak with me to work towards a resolution with your lease complications Issue Resolution Steps: We spoke with [redacted] together on June 04, and discussed the requirements for cancellationTheir agent advised the buyout amount would be $whether the terminal was kept or returned Since the buyout was not a plausible option, TransFirst and [redacted] have agreed to send an [redacted] machine at no cost to [redacted] This option still keeps the lease open and would require [redacted] to make active payments for the remainder of the lease We also made [redacted] aware that TransFirst no longer owns this lease but is owned by [redacted] and further inquiries about a lease buyout would need to go through them Thank you again for accepting our attempt to correct a misunderstandingIf you have any questions or concerns, please do not hesitate to call me at XXX-XXX-XXXX [redacted] of [redacted] TransFirst, LLC XXXXX [redacted] XXXXX Final Consumer Response / [redacted] */ (The consumer indicated he/she ACCEPTED the response from the business.) Transfirst went above and beyond to satisfy complaintI would recommend doing away with equipment leases, as they are a horrible deal for consumer

Complaint: [redacted] I am rejecting this response because: I did not get the refund through my bank Tell me the date you refunded it and I will see why the bank didn't put it in my account I am not closing this issue until I see the refund Sincerely, [redacted]

We have reviewed your account with TransFirst and apologize for any poor experience may you have received from the Independent Sales Agent who facilitated your account setup with TransFirstWe have confirmed that your original application stated .40%, however the Sales Rep data entered your rates into the system at .50%As a result, we will immediately lower your rate to .40% and provide a refund for any over-charges you would have receivedIn addition, your original application does not disclose the $annual administrative feeAlthough this is a standard customary fee, as a result of the oversight of not disclosing on your original application, we will be waiving this fee going forward and provide a full refund for any previous billingsWe believe these errors were a result of a data entry error by the sales representative and was missed during our quality control processesIn an effort to ensure your full satisfaction, we will eliminate the contract term and allow you to seek an alternative provider should you opt to do soWe will be addressing the sales and application process with the Independent Sales Agent, who is not a TransFirst employee, and ensure he understands your concerns in hopes of preventing this from occurring in the futureCustomer satisfaction and ensuring we maintain the highest integrity with our customers is extremely important to usWith the chain of events that transpired, we fully understand your concerns and apologize that you had to go through the Revdex.com process to resolveWe hope that you will reconsider finding an alternative provider, however at a minimum, we hope this response resolves all outstanding items

Initial Business Response / [redacted] (1000, 7, 2015/12/14) */ Merchant account has been dormant more than a yearThe average transaction historically has been sporadic, but in the $2,range On 11/25/15, TransFirst, Inc, received a transaction totaling $12,We attempted to contact merchant client by phone on Wednesday, 11/and again on Friday, 11/(due to Thursday being holiday) Both attempts were unsuccessful due to no answerOn Monday, 11/30/15, merchant contacted TransFirst, IncAt that time, it was determined the phone contact information on file was inaccurate by one digit and thereby caused our inability to reach the merchant via phoneHad we not received a call on Monday, 11/30, a Fedex letter would have been sent to the merchantThe funds were verified and released to the merchant clientWe apologize for any inconvenience Thank you, [redacted] Director Risk Management TransFirst, Inc

Dear MsKoedding, After further reviewing our records we do not show that we ever received any funds from youWe received communication from your bank that you had contacted them to put a stop payment on the funds, therefore they never sent them to usI believe you spoke with your Account Manager, [redacted] ***, regarding this and are aware that we never received paymentIf you agree, could you please respond to the Revdex.com so they will know that this issue is has been resolved? If not, please let us know and we will do some further research Thank you for your time, and again we apologize for any inconvenience this issue may have caused

Complaint: [redacted] I am rejecting this response because: Like we can see here transfirst told me that We lost the case with visa and we should recover the motorcycle ! This is unbelievable...they just wrote in previous msg that they are waiting our approval to forward this case to visa! Transfirst is a shady business ...and the lawsuit will be against themThey never answered about why they illegally holding/blocking all our money via card readerThe dispute with visa for chargeback is zero based on lies, but the transfirst actions and position against us is obvious

TransFirst has reviewed your account and confirmed that the account was not closed as requestedAs a result, we will close immediately and issue a credit to your bank account for the amount requested ($209.55)In addition, although we cannot find any evidence that the originating independent sales representative misrepresented your rates/fees, we are continuing our research and diligence as we consider this practice unacceptable and work very hard to ensure all rates and fees are fully disclosed both contractually, which they appear to be in your case, as well as verbally during the sales process, which we are still trying to confirm We apologize for any inconvenience and please feel free to contact us directly should you have any additional concerns

We have reviewed your account and confirmed that you were assessed a fee for the TransLink Insights Product on your November merchant processing statementWe have confirmed you were removed from the product in December and have not been assessed any fees sinceWe have issued a full refund for the November charges in the amount of $29.99, which we electronically deposited into your bank account that we have on file on February 13, We apologize for the issue and are currently reviewing the refund request process in place for the TransLink Insights product to identify opportunities for improvement

Initial Business Response / [redacted] (1000, 6, 2015/09/15) */ Dear Sir/Madam, In response to case# XXXXXXXX, TransFirst offers the following informationMerchant account was opened early June to provide English language lessons Application monthly volume was approved for $15,The account processed over $43,in June It was determined that due to future delivery component where cardholder is paying for services rendered over a period of time, that the risk exposure warranted a reserve Notification letter was sent to the address of record from the application, however, was returned and it was determined that the application zip code information was inaccurate (7/02/2015) On this same day, 7/02/2015, the account was closed based on merchant information they had opened another account with a competitorTransFirst has been releasing funds in period increments as risk of non-delivery of services subsides, most recent release of funds was on 8/18/ The (2) related accounts mentioned reflect no history of recent processing, thereby not providing any insights into processing behaviorsThe account has been thoroughly reviewed and given the next date for review was scheduled for 9/18/2015, the decision has been made to release current funds totaling $8,Funds are scheduled to post to merchant account 9/15/TransFirst, therefore, will no longer have any remaining balance TransFirst, Incis committed to abide by Revdex.com accreditation standards which include a commitment to make a good faith effort to resolve consumer complaints or concernsWe also have a responsibility to the cardholders to ensure any requests for a refund are satisfied Respectfully, [redacted] TransFirst, Inc Director ~ Risk Management Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/09/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) Our funds were finally returnedWe will notify our legal counselorThanks Revdex.com

An additional $will be credited to your account via ACH since the $was submitted previously Again we apologize for any inconvenience this matter has caused

I want to keep this complaint active, [redacted] , the company transfirst, stole dollars from my account for the annual fee and this is after they cancelled my accountNow they say they are returning my money on July 26, This is a crooked bank and must be investigated

TransFirst LLC [redacted] ** ***Re: Revdex.com Case # [redacted] – Complaint Filed by dba MOTO4US – [redacted] , Owner Our business client [redacted] (Merchant) has initiated this complaint after receiving a chargeback in a dispute with one of his customers as part of TransFirst providing credit card processing services for his business The Merchant’s claims in this complaint are inaccurate as his customer has the funds for this transaction – we do not In fact the Merchant still owes us monies to cover his customer’s chargeback which he agreed to do as stated in the Merchant Processing Agreement he signed with us He deliberately blocked the funding of the chargeback The Merchant has also refused to allow the return of the motorcycle so his customer has both – the funds from the chargeback and the motorcycleWe have contacted [redacted] to confirm the details of his customer’s chargeback and to explain the Visa rules that would cover this ongoing dispute We are recommending that the Merchant contact his customer and make arrangements to retrieve the motorcycle We’ve reviewed with Merchant that while the sale document signed by his customer states “SOLD AS IS”, it does not disclose terms anywhere that “All Sales Are Final” or “No Refunds” so there is no compelling reason for Visa to support the Merchant in this case We have received signed authorization from the Merchant to continue this dispute with the Visa Arbitration committee, but have cautioned him that under Visa rules his customer would very likely win and he would incur fees of $and additional fines/penalties of $400-$if he lost In our conversations, [redacted] has asked us to hold and not move forward with Visa Arbitration until further notice In addition to non-disclosure of terms stated previously, his customer raises an issue of a mileage discrepancy where there are more miles on the title the Merchant received when he bought the motorcycle at auction than what was later on the odometer at the time of sale to his customerAdditionally, printed on that same title are notes – “Exceeds Mech Limits, Salvage – Non Rem” whereby his customer states the motorcycle cannot be licensed for street use in his state His customer indicates he has attempted to contact the Merchant to return the motorcycle and still has it available for piby MerchantWe appreciate that the dispute [redacted] has with his customer is frustrating, but must reiterate that his only recourse is to retrieve the motorcycle AND that he must fulfill his obligations to cover the underlying chargeback and pay what is due to TransFirst He must maintain an adequate balance in his designated bank account to cover all obligations incurred for processing card transactions under his Merchant Processing AgreementHe should contact us to make arrangements to bring his account current We can be reached at [redacted] , option 1, 3, then ext for Collections or ext for ChargebacksPlease feel free to call us if there are any further questions regarding card acceptance and card dispute processing for this Merchant account [redacted] Operations Manager

Initial Business Response / [redacted] (1000, 5, 2015/11/02) */ Dear Mr [redacted] , I wanted to start by apologizing for the poor experience you have had with TransFirst Merchant ServicesWe have reviewed your account and acknowledge there was opportunity for consideration during the time of closing The charge for $that was billed was for the first month the account was set up and opened which included a one-time charge for the equipment (card reader) for $A refund for $34.31, all fees charged except for the equipment, has been refunded via ACH on 10/21/We have confirmation the equipment was delivered to Meade Ave, San Diego CA XXXXX by Fed Ex and left on the front door on 9/14/2015; the tracking number is XXXXXXXXXXXX The account has been closed as of 10/15/therefore you will not see any other fees or charges to the account Again, we sincerely apologize for the poor experience you have had with us

TransFirst has been actively working with our Bank partner, with whom the merchant has a relationship, to obtain all the documentation with proof of the cash sales The requested information was received this week and is currently under review