US Alliance Group Inc

Hi [redacted],I sent this last week and it got returned to me.  I apologize… but here is the response.We apologize if you feel you were misled about your contract and the terms of the agreement;  however all the documents that you signed, clearly describe the services and applicable fees....

You originally agreed to a CardFlex contract in September 2010 with an initial term of (3) three year which would auto renew for an additional (3) three year term at the anniversary date unless cancelled. Please note USAG began managing the customer service on your account in February 2011 and was not involved the initial contract implementation.  At the time of cancellation, you had 15 months remaining on the contract. See the specific sections of the contract terms included below that you are disputing.22.2The initial term of this Agreement shall commence and shall continue inforce for three years after it becomes effective. Thereafter, this Agreementshall be automatically renewed for successive like three year terms unlesssooner terminated pursuant to the terms and conditions of this section 22.22.Termination of this Agreement prior toexpiration of the Term or any renewal Term shall result in the assessment ofan account termination fee in an amount equal to the greater of (i) theaverage monthly processing fees charged to the merchant for the previous12 months (or such shorter time if the merchant has processed for less than12 months) multiplied by the number of months remaining under theagreement, or (ii) $250.When you signed the contract you confirmed you have read and understood the terms you were agreeing to.  If the contract terms had been negotiated, and/or changed as you outlined in the complaint, this would have been documented within the contract, which in this case it wasn’t. In addition, an email was sent to you on June 3rd advising an early termination fee may be assessed. The cancellation form you signed and submitted to USAG also states you may be subject to an early termination fee. Unfortunately, there is no record of you asking USAG directly for a rate reduction. We believe you may have been communicating directly with an independent sales office which we would not have any knowledge of or control over. If you choose to reinstate the contract and fulfill your remaining 15 months, the early termination fee will be refunded to you. Please feel free to contact Merchant Services at 866-[redacted]x * if you would like to discuss the reinstatement in more detail. Thank You,[redacted]Executive AssistantUS Alliance Group, Inc.30352 EsperanzaRancho Santa Margarita, CA 92688Office: (949) [redacted] Ext [redacted]Fax : (949) [redacted]www.usag-inc.com

USAG is grateful for Customer's willingness to propose reinstatement of the Merchant Agreement between the parties and cooperate toward what we hope is a mutually satisfactory resolution. 
 
Company discussed grounds for termination fee with Customer. Customer agreed to reinstate...

Merchant Agreement between the parties, and USAG agreed to return the termination fee to customer on condition that customer process transactions for a period of 90 days consistent with the pattern and volume of processing prior to termination, and to otherwise comply with terms of Merchant Agreement (see attached agreement).
 
Company encountered some issues reprogramming Customer's terminal and reinstating processing, but we believe those issues have been resolved. Please notify us if not. Also, Company notes that Customer should contact Company after 90 days of processing (12/15/14) to initiate refund of termination fee.

Review: For over 2 years this company has been taking money from my business account. I contacted them on several occasions and have corresponded via email in an effort to get them to refund me and stop ACH withdraws. I have never used there service and they even admit they show no records of my company ever using their service. I find their practices unethical and bordering on criminal. Please assist me in

Product_Or_Service: I never purchased anything

Account_Number: [redacted]Desired Settlement: See Complaint Text

Business

Response:

The consumer, [redacted], signed a credit card processing agreement on August 19th, 2010. The agreement detailed monthly fees; which would be assessed regardless of processing history. [redacted] contacted our offices on April 15th, 2013 and the cancellation process was explained to [redacted]. A cancellation form was also emailed to [redacted] at **@pagelot.com on April 15th, 2013 and again on April 15th, 2013. [redacted] failed to return the cancellation form. USAG terminated the agreement on July 18th, 2013 due to ACH rejects.

Review: USAG got my bank information from a company that was closed because of fraudulent activity and billing me for about 2 to 3 years with out providing any services. When contacted they were evasive about their relationship with me. I don't feel that I should have to do business with people who are as dis-honest as this. I certainly never signed a contract with them and was charged a cancellation fee based on their presumed losses of about $1800. They have no losses and I am pursuing a refund of the monthly fees that they charged me with out service provided or my knowledge of any business relationship between us. USAG has charged me $42.90 per month since March of 2012. Plus $108 a year of quote fees.Desired Settlement: At this point I want all of my money refunded that has been taken out of my account with out my knowledge or any purpose to do so. Also I would like them to not claim any type of account cancellation fee.

Business

Response:

Dear Revdex.com,

Review: Signed agreement as Card Flex in September of 2009. Outlined specific cost savings that were not honored as to the cost of credit card transactions. Had a very sneaky agreement that renews automatically for another 36 months if not cancelled after 36 months. After paying the higher fees for almost 5 years I finally decided to take my business to another company. They then withdrew well over 16 thousand dollars out of my checking account with the promise to continue to take more.Desired Settlement: I want that money to be returned to my account and I want to be out of this sneaky agreement.

Business

Response:

USAG is grateful for Customer's willingness to propose reinstatement of the Merchant Agreement between the parties and cooperate toward what we hope is a mutually satisfactory resolution.

Review: We originally signed with this payment processing company 5 years ago. We recently switched to another processor due to high rates and no one from this company cooperating with us to answer our questions. We specifically asked the sales rep "does the contract auto renew" he said NO it does not. We told him we do not want contracts to auto renew. When we switched to the new company we were under the impression that our agreement has ended after the initial two year agreement. We were not aware that It renewed in 2014 without our knowledge. We were lied to. This company charged us a $2248.35 cancellation fee for switching. IF we were aware of this we would have never left without making other arrangements to pay or would have never allowed them to auto renew our contract for our business. These people are complete thieves and liars. I have called them over 20 times and I just keep getting the run around and emails that state per your contract you were charged the correct amount. This is complete highway robbery. These people have no soul. They have no heart. Someone please help. I have tried to tell our story to the local news but because we are from Ohio we cannot complete a face to face interview. Please help. Please helpDesired Settlement: we want every part of the 2248.35 or we are entitled to some kind of explanation why were lied to about our contract.

Business

Response:

Hi [redacted],

Review: We are an in home care agency and for some time charges have been coming directly out of our account under [redacted]. We originally thought it was a bank service charge from the bank but recently found out it is a company called USAG. After calling them they state that there was a contract signed years ago by someone who use to work for our company and the contract included a credit/debit card machine. However, not only do we not use a machine but we do not runs card through our bank at all. The bank states they will do what they can to stop the charges a file a dispute but that we also need to communicate with the company to resolve the issue. I have tried and they will not cooperate. The charges that come out are random and high and we do not understand the description. Please see attached. I have read several complaints about this company stating they are fraudulent. Please help.Desired Settlement: Refund for unauthorized charges and stop further charges.

Business

Response:

As mentioned in the consumer’s complaint, an agreement was signed in May 2010 for creditcard processing by an individual claiming to be the owner of Quality In-Home Care Specialists. The agreement does detail monthly fees; which are assessed regardless of the processing history. The consumer did contact our office on October 13th, 2011 and inquired about the monthly fees. At that time, the cancellation process was explained the consumer and a cancellation form were emailed them. The consumer failed to return said cancellation form. The consumer contacted our office again on December 14th, 2011 and was reminded that we still need a cancellation form. The consumer stated they “…will leave the account as and will not the pay the bills”. The monthly fees are debited during the first week of each month. A paperwork statement is mailed to the merchant detailing the charges. The merchant continued to incur monthly fees as they never submitted the cancellation form. USAG terminate the agreement on August 18h 2015 due to ACH rejects.