TransFirst

TransFirst has reviewed your merchant account, including all fees and processing statementsUnfortunately, as part of that review, we have no record of charging any fees for “Merchant Payment Insurance”, nor do we have any programs at TransFirst with this descriptorWe have further researched and have no record of billing you $for any single line itemThis leads us to believe that you were assessed this fee by some other entity, other than TransFirst, possibly through the Independent Sales Organization that setup your account with TransFirstUnfortunately Independent Sales Organizations are not representatives of TransFirst, nor are they a party to the merchant agreement between you and TransFirst We recommend contacting your bank to confirm the entity that assessed this fee, and then reach out to that entity accordinglyTo assist you in this process, we have sent a communication to the Independent Sales Organization asking them to research their records and contact you directly if this fee was assessed by themWe highly recommend that you request from the entity that debited your account, that they provide you with an executed copy of any form or agreement that you would have agreed to, that they believe justifies billing you the feeIf they are unable to provide any evidence, then you can either file a Revdex.com complaint against that organization or potentially seek a legal resolutionWe also researched your concern regarding the $“Quarterly PCI Fee”Although this fee was disclosed on your original application, as executed by you, as a good faith measure we will refund the full amountWorth noting, the card associations mandate that all businesses that accept credit cards maintain PCI complianceThis requires your business to understand PCI requirements and provide an attestation of complianceTransFirst provides you with a user friendly tool (visit www.compliance101.com) to assist you in this processFailure to provide attestation of compliance, will result in the $quarterly fee being assessedWe highly recommend visiting this site and ensuring compliance prior to the next quarterly billingUnfortunately, we will be unable to provide a refund for the $for the “Visa Business CP DB (7)” fee This is an absolute pass-through of fees charged by Visa for Visa Business Debit cards you processed through your merchant accountWe apologize in advance for any inconvenience and please let us know if there is anything more we can do to assist you in resolving this issue

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

Initial Business Response / [redacted] (1000, 5, 2015/11/02) */ Dear Mr***, 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 Due to the communication that the lease could be canceled at any time we have submitted a request to First Data Global Leasing to cancel the leaseThis process does take some time to initiate you may see one additional lease payment removed from the checking account on file with First Data Leasing, but once the full cancelation is completed you will receive a refund for the lease payments paid The account has been closed as of 10/22/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

The TransFirst issue was resolved and they refunded my money The $problem is with *** You have combined the two problems [redacted] is a different problem

Initial Business Response / [redacted] (1000, 10, 2015/11/17) */ In response to Revdex.com# case XXXXXXXX, TransFirst offers the following reasons for retention of funds to dateSales, in many cases, exceeded average ticket approved on application of $1, Our research indicates all emails from merchant have been responded to by TransFirst, Inc, as well as multiple phone calls receivedRequested documentation with cardholder name/address and contact information not providedWithout this information, we are unable to validate the sales Many sales are processed using international credit cards with declines for authorization which increases risk exposureTransFirst, Inc, agreed to review the account and the funds (45) days post-closure, which would be end of NovemberMerchant has been made aware of this target on multiple occasionsThat said, we are amenable to reviewing at this time and although we have not received any chargeback activity, there continues to be trailing riskThe current amount of funds retained by TransFirst,Inc., is $10,The difference in the amount noted by merchant is that September monthly processingfees were not honored by merchant bank due to a 'stop payment' and had to be deducted from held fundsWe will release 50% at this time or $5,and review again in days Thank you, [redacted] TransFirst, Inc Risk Director Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/11/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) THIS BUSINESS OWNER WORKS ON A PERSONAL DRIVE SINCE THE WOMAN CRYSTAL [redacted] THAT WORK THERE DIDN'T LIKE THE FACT THAT I HAVE CALLED HER AND ASKED FOR MY MONEY AND SHE DIDN'T LIKE THIS FACT ( I KNOW THIS SINCE ONE OF THE AGENT OF THIS COMPANY HAVE TOLD ME THAT NAMED JUSTIN ) I HAVE ISSUED ALL PAPER WORK NEED FOR A CREDIT CARD TRANSACTION THIS ARE ALL EXCUSES NOT TO RELEASE MY FUNDS THIS FACT OF HOW THIS BUSINESS WORK I HAVE REALIZED I AM NOT THE ONLY ONE THIS BUSINESS HAD DONE THE SAME THING TO A SIMPLE SEARCH ON GOOGLE REVIEWS SHOW MORE PEOPLE LIKE ME THE TIME FRAME TO MAKE SURE MY TRANSACTION IS GOOD IS PAST AS WELL AND STILL DIDN'T GET MY FUNDS I REALLY HOPE YOU GUYS CAN HELP ME GET THE FUNDS ASAP THANK YOU VERY MUCH FOR THE HELP ! Final Business Response / [redacted] (4000, 14, 2015/12/03) */ In response to rebuttal received with respect to Revdex.com# case XXX-XXXXX, TransFirst released $5,on 11/10/Pursuant to TransFirst response on 11/17/2015, we made a commitment to review the balance after days (or 12/10/2015)We have assessed the risk exposure on the account and are amenable to releasing the remainder of funds at this time totaling $5,As of 12/4/2015, TransFirst, Inc., will not be in possession of any funds related to this matter

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me,so long as to both accounts Tsys assigned to [redacted] are fully closed: [redacted] Thank You Sincerely, [redacted] ***

Ms [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 clarity of the early termination fee at the time of your application On January 8, 2016, you discussed sending in a check to pay the balance of $for the early termination fee The check was received on January 25, 2016; per our telephone conversation on January 25, 2016, we will not be processing the check and will be sending it back to you via US Mail Again, we sincerely apologize for the poor experience you have had with usIf you have questions or concerns, please do not hesitate in calling me at [redacted] Regards, [redacted] Operations Manager, Account Specialists TransFirst LLC

In response to Revdex.com case #: [redacted] , TransFirst, Inc., concurs with statement of merchant client with regard to necessity to close the account as it is considered exclusionary, third party business modelThe application was initially auto-approved based on details in the application and average transaction of $5,and monthly volume of $10, On August 22, 2016, the merchant submitted two (2) [redacted] transactions totaling $19, In researching these transactions, it was determined that the business model was exclusionary and the account needed to be closed The transactions were reversed to the cardholder(s) There are fees assessed by TransFirst and the card brand, in this case, [redacted] Attached please find statement for reference Merchant requested refund of all fees in the amount of $1, While TransFirst agreed to refund all fees that it assessed or passed through, [redacted] policy is not to refund fees associated with reversed transactionsThat said, TransFirst has made a business decision to absorb the loss for the [redacted] fees in order to satisfy the concerns of the merchant TransFirst, Inchas already refunded its fees totaling $that the merchant should have received by September 20, TransFirst will initiate another credit today for $626.68, thereby fully satisfying the merchant’s concern with a total of $1, The additional credit of $should appear in the merchant account by September 22, TransFirst, Inc, is committed to providing premier customer service and regrets this event that has caused the merchant inconvenience Sincerely, [redacted] Director – Risk Management

Complaint: [redacted] I am rejecting this response because: [redacted] called mehe assured me that the $would be returned to me as well as $93.89.and when my next statement came in I could contact him and he would return that amount to me also.he sent me a fedex return slip to send back the device, which I have returned and he assured me that my account would be closed once they received it Sincerely [redacted]

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

[redacted] [redacted] [redacted] [redacted] Mr [redacted] , Thank you for sending in your feedback through the Revdex.comIn response to your Revdex.com concern, the merchant processing account was closed due to excessive chargeback activity, thereby violating the merchant processing agreement and card brand regulations Many of the chargeback reasons cited by cardholder(s) were fraud-card absent environment The chargeback rate at time of closure was 25% of all sales (card brand regulations define excessive chargeback rate as above .75% of sales) As such, the account was closed and per the merchant processing agreement, there is an early termination fee (ETF) of $associated Merchants are contracted to process according to card brand regulations and within the contract requirements The ETF was assessed, but when debit was attempted, there was a return of ‘account frozen’ from the bank No funds were obtained to satisfy the $ETF TSYS did not receive the $ETF from the plaintiff and has written the amount off as a loss at this time There are no funds currently on hold with TSYS Please do not hesitate to contact us further if you have additional questions or concerns Regards, TSYS Merchant Services

[redacted] [redacted] [redacted] DBA: Triangle Investment [redacted] ***, Thank you for sending in your feedback through the Revdex.com We apologize for any misunderstanding regarding our opt out process for our TransLink Insights program We appreciate your time on the phone to work through your feedback and address any additional questions and concerns When you called in on August 9, 2017, we transferred your call to our partner Womply to have you opt out of our program Per our discussion, you have been removed from this program and a full months of TransLink Insights fees have been refunded to you You initially received notification on your opt out options on your August statement, then on your October statement it indicated your free trial period would be expiring with monthly billing starting in November of $ As discussed, this program was a trial period for monthsWe regret that your experience with our product wasn’t a positive one Please do not hesitate to contact us further if you have additional questions or concerns We appreciate the opportunity to update your account and address your concerns We regret any inconvenience this matter has caused and hope to retain your business Regards, TSYS Merchant Services

Dear [redacted] and [redacted] , Thank you so much for the opportunity to speak with you and address your recent complaint I appreciated your time on the phone and I definitely understand your frustration Following is the detail as requested regarding your merchant account with our company: During the last week of January, 2015, we mailed you a 1099K with “ [redacted] ” listed as the legal business name using the Tax ID Number ending in *** August , we mailed you a TIN reminder (Tax Identification Number) During the first week of November, instructions were sent on what steps to take to avoid BaWithholding as required by the Federal Government I’ve attached both documents for reference Both documents were mailed to [redacted] at [redacted] *** We understand that you are frustrated and we do apologize that you received inconsistent information regarding your funds being held when you contacted our company This isn’t up to our standards and for this we apologize As an Acquirer/Credit Card Processor, we are required by the federal government to report gross credit card sales by Federal Tax ID on an annual basis If your Tax ID that you submitted for your application with our company doesn’t match what is on file with the ***, we receive a “mismatch” notification The [redacted] unfortunately does not tell us what is inaccurate, just that it does not validate or match their records [redacted] did submit an updated W-which did end up “matching” or validating what was on file with the [redacted] which stopped the withholding process In the interim, there was a withholding of your funds as required by the *** $has been withheld to date as required by the [redacted] including $for and $for Following are the specific amounts withheld so you can match this up with your records: There aren’t any further withholdings scheduled as your Federal Tax ID has been validated This money can be recouped when you file your taxesYou will receive your 1099K form in the next couple of weeks The withholding amount will be in Box in order for you to use this as a credit on your taxes This is a legal obligation and a mandate by the [redacted] which started in As requested, following is the [redacted] communication regarding the required withholdings our company made This was published by the [redacted] on June 6, for Payments Subject to Backup Withholding in Payment Card and Third Party Network Transactions: [redacted] We sincerely apologize for any inconvenience and frustration this might have caused and appreciate the opportunity to address your complaint Please do not hesitate to reach out to us directly should you need further assistance Sincerely, [redacted] [redacted] [redacted] [redacted]

*** [redacted] *** [redacted] *** [redacted] Thank you for sending in your feedback through the Revdex.com Upon researching your merchant account, TSYS Merchant Services has determined that there was no indication at time of application that the information provided was not valid [redacted] was informed about an early termination fee (ETF) should the account be closed and then stated that the account was opened by a relative, in this case, his brother[redacted] claims his brother opened this account with his credentials, but TSYS has not been provided any documents to this effectOur research has not yielded any information that would indicate fraudTSYS’ Risk Department advised [redacted] that we could attempt to debit the bank account on record and if funds were retrieved, possibly give to [redacted] , as he states the funds are his, but not the accountThe bank account did not have the funds available and the debit was returned unpaid TSYS has no funds currently on hold and there is a collection balance of $on the account at this time.TSYS has requested a fraud affidavit and/or police report and both were denied by [redacted] We have no supporting information that would deem this to be fraud and we have no knowledge or affiliation to an entity named, [redacted] If [redacted] submits a police reports and/or affidavit, we can revisit the matterWe regret the situation has negatively impacted [redacted] , but TSYS is not liable nor does it have any funds to return.Regards,TSYS Merchant Services

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*** *** *** Mr***, Thank you for sending in your feedback through the Revdex.comIn response to your Revdex.com concern, your merchant processing account was closed due to excessive chargeback activity, thereby violating the merchant processing agreement and card brand regulations. Merchants are contracted to process according to card brand regulations and within the contract requirements TSYS has written off the $ETF fee. This means TSYS took a loss for $and will not attempt to debit this amount from your merchant bank account in the future Please do not hesitate to contact us further if you have additional questions or concerns. Regards, TSYS Merchant Services

June 27th, *** *** ***
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*** ***RE: Revdex.com Case #: *** Dear *** ***, I want to start by apologizing for the poor experience you have had with TransFirst Merchant ServicesI have reviewed your account and have
initiated an ACH refund of $that will account for the equipment taxes and charges from your October statement. I sincerely apologize for the poor experience you have had with usIf you have questions or concerns, please do not hesitate in calling me at *** Regards, *** ***Director of Operations TransFirst LLC

Initial Business Response /* (1000, 5, 2015/06/08) */
Please see attached

*** ***, MD is a valued customer of TransFirst and has processed with us for approximately months. On March 11th, 2016, *** called in and stated that there were issues with her monthly statement She was concerned with a number of fees that were not supposed to be included per
her discussion at the time of the initial agreement with the Sales Representative. At the time of the call, it was identified that this was a new account. The Service Representative subsequently informed the Sales division of the fee discrepancies and a refund was subsequently processed by the Sales Rep on her February statement for $On March 31st, 2016, Service Operations made an attempt to follow up with the customer via an outbound call. Contact was not made directly, however, the customer did call back in and left a voicemail that stated the following: She was glad we followed up and thanked us Feels the issue was resolvedConfirmed she received a refund for the processing fees Thank you,*** ***Director, Operations###-###-####

Initial Business Response /* (1000, 8, 2015/08/21) */
Please see attached response and documents

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
Sincerely,
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