uSwipe

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
 
The fee you incurred was not an “inactivity” fee as stated
in your complaint. This fee was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account.
In preparation for your due date, we send courtesy notifications via standard
mail and email, to advise you of the approaching deadline. Failure to complete
your Self Assessment Questionnaire by the due date resulted in a non-validation
fee. An open Merchant Account will continue to receive the non-validation fee on
a monthly basis until the compliance is completed. When you certify your
compliance with PCI-DSS, you demonstrate your commitment to Data Security, in
addition to reducing your exposure to fraud and the costs associated with it.
 
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements. While you may not have been actively using your account, the fact
remains that you still had an open Merchant Account with uSwipe as you did not
notify us of your intent to close your account.
 
Unfortunately, we are unable to offer any reimbursement of
the non-validation fees that you received as these were charged in accordance with
the Merchant Agreement, Program Guide and Terms & Conditions that you
agreed to when opening your account.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
Firstly, the representative (R[redacted]) that you spoke with was a
technician in the installation department who had attempted to reach you to
install your equipment since June (when you opened your account). After many
attempts to reach out to you, we requested that the equipment be returned as 90
had passed and you were still not using the free equipment we had provided your
business as an incentive to process credit card transactions. Our records
indicate this is when you finally discussed your account with R[redacted]; however at
this point your account had already been inactive for over 3 months. Please
note, however, that the fees you are objecting to are completely unrelated to
the installation of your equipment.
The fee you incurred was charged due to your failure to
validate your PCI-DSS compliance, as required by your merchant agreement. Any
business with an open merchant account is required to attest to PCI-DSS
compliance on an annual basis. The due date varies depending on when you opened
your Merchant Account. In preparation for your due date, we send courtesy
notifications via standard mail and email, to advise you of the approaching
deadline. Failure to complete your Self Assessment Questionnaire by the due
date resulted in a non-validation fee. An open Merchant Account will continue
to receive the non-validation fee on a monthly basis until the compliance is
completed. When you certify your compliance with PCI-DSS, you demonstrate your
commitment to Data Security, in addition to reducing your exposure to fraud and
the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements.
As of today, we have received your returned/unused equipment
and your account has been closed. You have already spoken with many individuals
at our company and multiple levels of management; unfortunately, you do not
qualify for a refund as the fee(s) you incurred were not charged in error.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
The application we have for your business clearly has your
name (R[redacted]) and the initials (RT) on each of the necessary portions of
the merchant agreement. This does make the agreement valid. In fact, we would
have been unable to proceed with the opening of your merchant account without
the necessary signatures and initials. When you opened your merchant account
and provided us your banking information, your demonstrated your intent to
process credit card transactions through our service. We were never notified by
you that you hadn’t received our equipment until the point you requested the
closure of your account.
The fees you incurred were explicitly stated during your
enrollment in our program and you proceeded with your application. Upon receipt
of your email, we promptly processed your request to close your account and there
will be no future attempts to debit your bank account for your merchant
services.  Unfortunately, you do not
qualify for a refund as the fee(s) you incurred were not charged in error;
these were fees you agreed to on your merchant agreement.
.

Complaint: 11710617
I am rejecting this response because:
I've attempted to call again just now to resolve this and getting a continuous loop to keep pressing 1 to reach someone and in other areas on the IVR, that the business is now closed.  First of all, I have not received any equipment to begin with, and have emailed [email protected] in the past with no response as to whom I need to speak to to cancel the processing service.  As for calling the number, it has changed since signup and did not receive any left voicemails pertaining to the account prior to the number being disconnected.
Regards,
M[redacted]

Complaint: 11432461
I am rejecting this response because:Uswipe,
J[redacted], claims to provide the so called “highest level” of service and
support.  In Mr. G[redacted]’s response he fails again to address the
specifics of my complaint.  I am not a new customer with no knowledge of
the credit card fees.  I have been with Uswipe since July of
2014.  I have actively analyzed my bill every month from that time. 
An average monthly bill from Uswipe varied from 1.37% to 1.8% of the total
credit cards I processed.  Again I will repeat.  I changed the name
of my business from Millennium Enterprises to Jewelry With A Purpose in
November 2015.  I requested and was ASSURED that I would receive the same
billing structure as (Millennium Enterprises) I was currently operating under.
THIS DID NOT HAPPEN. In my latest bill from Uswipe I was charged 4.4%. 
The month prior I was charged 3.3% of my total credit card charges.  After
6 month of promising to resolve my initial request, which was to charge me the
rate Millennium Enterprises was paying, Jarred led me on to believe it was
finally corrected last month.  Uswipe did not resolve the issue, as shown
in their Revdex.com response. J[redacted] and his office staff assured me that the fees
were set up the same Millennium Enterprises.  Even  though I called
MULTIPLE TIMES every month and complained about the bill, Uswipe continued
each month to charge a fee rate much higher than agreed to. They blamed it on
the processing company ”First Data” and/or data entry errors; stating I would
receive credit that never materialized.  Uswipe epitomizes POOR customer
service. They instead chose to not return my calls or return my overcharged
fees. Uswipe has charge me $1000+ over the rates I agreed to in the previous
contract(Millennium Enterprises). I have now been sent condescending emails
degrading me as a customer and a business owner.  In J[redacted]’s email reply
this past week, he wrote, “I recommend you educate yourself on how merchant
processing actually works before you continue to make false accusations
regarding our organization "stealing" money from you. In my
experience, micro-merchants and smaller merchants, like you, might be better
off using an aggregator like PayPal or Square that has one specific set rate
since the complexities of merchant processing appear to be over bearing and
beyond your comprehension”.  In Uswipe’s last email to me, J[redacted] stated,
“Consider this a final communication regrading your account. Any further direct
correspondence will be deemed harassment”.  This action is NOT the
“highest level” of service and support.  I have not contacted Uswipe
again, I am fearful of retaliation and retribution.  Therefore I notified
the Revdex.com to warn others of this deceitful and poor customer service company.
Furthermore,
Uswipe agrees that they did speak with me multiple times regarding my new
account(Jewelry With A Purpose) and my pricing structure was finally changed to
match my old account (Millennium Enterprises). It really wasn’t rocket
science.  The only problem with that is it took 6 months and over $1000 of
overcharges. In their own words, they blamed it on a data entry error and
confirmed they were actually overcharging me.  Uswipes resolution is to
credit one month($139) out of six months and then abruptly close my account,
instead of apologizing, reimbursing the overcharges of six months and
continuing to do business.  Uswipe wrote, “Furthermore, your account with
Uswipe has been closed, you will no longer be charged monthly, and you will not
be able to process credit card transactions through Uswipe moving
forward”. 
I
certainly DO NOT call this good customer service or support. Uswipe continues
to mistreat a long time customer.
 
Regards,
L[redacted]

Thank you for your response to this matter.
1.    I was never informed about a “PCI-DSS” (I do not know what this is)
2.      I never received “courtesy
notifications via standard mail and email, to advise me of the approaching
deadline”
3.      I never received a “Self Assessment
Questionnaire”
4.      I was told that my ONLY fees would
be if I used the card reader “Like the PayPal card reader” as stated by the USwipe
customer representative. (PayPal DOES NOT charge me any fees, but only at every
card reader use)
5.      I would appreciate all monthly
charges by USwipe be refunded to my account.
6.      Upon refund of fees/monthly charges,
please close this account.
[redacted]
Complaint: 10699247
I am rejecting this response because:
Regards,
[redacted]

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
The fee you incurred was not related directly with the rates
you were quoted with processing transactions. In fact, the fee that you are
referring to was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account,
but new accounts are provided a 3-month window to complete their compliance
before the account falls into non-validation status. In preparation for your
due date, we send courtesy notifications via standard mail and email to advise
you of the approaching deadline. Failure to complete your Self Assessment
Questionnaire by the due date resulted in a non-validation fee. An open
Merchant Account will continue to receive the non-validation fee on a monthly
basis until the compliance is completed. When you certify your compliance with
PCI-DSS, you demonstrate your commitment to Data Security, in addition to
reducing your exposure to fraud and the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. By having an open Merchant Account you are obligated (per
your agreement) to comply with all mandates set by the processing bank. This
includes completing your PCI Compliance requirements.
Per our records, validation of your compliance for the
account number provided in this inquiry was completed on June 19 2015 at which
time the non-compliance fee was promptly removed from your account. Any fees
incurred prior to validation are non-refundable. Our systems show no record of
a refund being approved on your account as the fees that were charged were
valid. Additionally, your account has been closed as of February 24, 2015, per
your request.

Complaint: 10853482
I am rejecting this response because:
I would like to reinstate that when one of the sales person approached my dad at the convention she did not mention all this to him and even though it's all in the terms and conditions my dad does not understand English very well, she only mentioned to him it would be free as long as he didn't use it which is why he accepted it from the first place. Regardless the reason why I am not accepting this response is because this company is a complete liar because back in May when we discovered all of these charges we called uswipe & had spoken to one of the agents from uswipe regarding this matter and the agent clearly had told me to send their product back to them and they will mail a check to my father in about 2 weeks of 99$(the total charge was 299$ that they took from us  but they refused to refund the full amount back). We mailed the product waited several weeks after & never received a check. I called a few weeks after and they hung up on me, and that's when I called again about 3 weeks ago and again one of the agents named "[redacted]" said she will speak to Jarod once he comes back from out of town to send the check out. Jarrod, who claims he owns half the company said he does not see anything in the records showing that I spoke to an agent back in May. This is a complete lie because one if I didn't speak to anyone back in May how would I have known that I needed to send the product back to them and what address to send it to, jarrod even said that they received the product back in June. So it doesn't make sense that I would send the product out to them randomly if I hadn't spoken to an agent and they advised me of the steps I need to take to get a refund back. Secondly, if the agent didn't notate the account that is not our fault. They need to check their call records in May and listen to the conversation I had with the first agent. I am extremely frustrated because uswipe kept us waiting so long for this check to be sent out to us and after all this wait and phone calls [redacted] says we don't see anything on the account and we are not refunding you anything then hangs up on me. 
Regards,
[redacted]

Complaint: 10979073
I am rejecting this response because: The facts of the reply are clearly incorrect and fabricated.
 After noticing the extra charges on my bank statement, I tried multiple times to call the customer service phone number provided on my USwipe statement.  Finally,  being able to speak with a live representative at the USwipe number,  the person to whom I was speaking, announced that she didn't work for USwipe and they handled other credit card companies as well. Who ever it was that I was speaking to did try to explain to me about "qualified and non qualified rates". I asked her why didn't they take the different percentage out prior to depositing the funds into my account instead of putting the money in and then taking it out? She couldn't answer!  When I asked her how I was supposed to know what kind of card I had from the customer? She couldn't answer that either. She said that she didn't know anything about my account and that I would have to contact my rep. When I told her that I had just called the ###-###-#### number that was on my statement and I got her, she suggested going to the USwipe website and file electronically. I did! with NO reply! I also tried to access through my account electronically and that is when I got the "Account deactivation notice". As far as I knew, my account was closed. I opened an account with Square, a much more reliable and honest firm! The following month, in March, they started deducting $99.00 a month out of my bank account. I didn't notice until they had stolen 2 months worth out of my bank account, that is when I had to take steps and order my bank to stop giving USwipe my money. It was never our agreement, to remove money from my account of to pay a monthly fee.  USwipe claimed that the link to my account was for deposit ONLY!  In August, I sent USwipe and First Data Services the letter found below. There was never any response, just as there was never a response to my electronic inquires back in February. 
 I tried to contact USwipe on multiple occasions and by different methods. The claim that you never received any correspondence from me is all out fiction! I have no idea who First Data Merchant services is or how I owe them any money! Please explain why when I called your customer service phone number, I was speaking to someone that was not in your company and couldn't help me! I opened an account with USwipe. Please provide me with the the signed agreement that shows that I was willing to allow you or anyone else to take a monthly fee's or any other funds out of my bank account. Please explain why my electronic inquiry back in February was never addressed. Please explain why my letter from August that is attached, was never replied to! 
 
Regards,
W[redacted]

uSwipe takes great pride in conducting business
with the highest level of service and support. We...

have and continue to develop
long lasting relationships with our merchant, affiliates, and business
partners; we regret any time we receive a response from an unsatisfied customer. 
As discussed in your conversations with our customer support team, your refund check was processed on July 27, sent via standard U.S. Postal Service. As it was not sent certified mail, a tracking number is not available. It is not uncommon for mail to take up to 5-7 business days to be delivered. If your refund check is not received by the 10th day, we will void the original check and reissue your refund; in such a case, the replacement check would be sent via UPS to ensure delivery and trackability.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
The fee you incurred was not a monthly fee for having an
account. This fee was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account.
In preparation for your due date, we send courtesy notifications via standard
mail and email, to advise you of the approaching deadline. In your complaint,
you acknowledge having received statements from uSwipe; the PCI notification letter
would have been mailed to the same mailing address. Failure to complete your
Self Assessment Questionnaire by the due date resulted in a non-validation fee.
An open Merchant Account will continue to receive the non-validation fee on a
monthly basis until the compliance is completed or the account is closed. When
you certify your compliance with PCI-DSS, you demonstrate your commitment to
Data Security, in addition to reducing your exposure to fraud and the costs
associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank and the various card associations (Visa, MasterCard,
etc). This includes completing your PCI Compliance requirements. When you state
your attempted to login, you are likely referring to the mobile processing app,
which allows you to accept credit cards from you mobile device. User accounts
for that type of equipment get deactivated for security when there is
inactivity for more than 90 days. However, your merchant account (which
incurred the non-validation fees) is separate from any equipment you use process
transactions.
When you spoke with First Data’s customer support, they
would have been able to pull up your account based on the Merchant Account ID
number that is provided on the Merchant Statement (which you have confirmed you
received). Additionally, the email address you provided
(@usbankcardservice.com) is not related to uSwipe Inc; uSwipe’s website has
many ways to contact us include our direct phone number (###-###-####) and our
email address ([email protected]). Rejecting
the balance due through your banking institution does not resolve the balance
due and in fact places your account in violation of the service agreement and
is what resulted in your collection balance. The statements that you received
from uSwipe/First Data Merchant Services is your bill and each time your
rejected the balance due, that amount was added to your collection balance,
plus any collection fees due to First Data Merchant Services.
Your account has been closed as of June 8, 2015 due to your collections
balance. In order to resolve the collection balance, you must contact First
Data Merchant Service’s collection department using the contact information
provided on the letter. Once an account falls into collections, uSwipe is
unable to assist with resolution.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
After reviewing your account, I do show that you requested a
refund and that your account be closed in March. I apologize that this request
was not taken care of in a timely manner, which caused further billing to your
account. While the $12.95 is a monthly fee associated with your account being
open, uSwipe would like to offer a courtesy credit of $12.95 for the past
3-months, totaling $38.85. A check for this refund will be mailed to the
address you provided in your inquiry. If you have any further questions regarding the status of your refund or your closure request, please feel free to reach out to our customer support at ###-###-####.

uSwipe takes great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer....

 
Taking the above into consideration, this merchant does not have a relationship with uSwipe, Inc located at 3305 Grande Vista Dr. Newbury Park, CA 91320. This merchant does have a relationship with First Data Canada and has been instructed to contact them regarding any type of dispute. uSwipe does not have any record of this merchant, therefore we cannot provide the requested assistance. All merchants that are or were at one time associated with uSwipe Canada can only be serviced through First Data Canada. Regardless, it is always the merchants responsibility to review their merchant processing agreement as well as keep record of and review the statements that they receive.

Complaint: 10855284
I am rejecting this response because:
Clearly I did not have the ability to process any transactions as this company claims that I did.  I had absolutely no information about processing through the company and had no record of an account being opened.  I did not  have a merchant number or account number.  I never received any  communication from this company by mail or e-mail as they claim I did.  Since no written communication was ever received it was my understanding that an account had not been opened and did not exist.'
Even after sending the e-mail to the address I was told to over the phone, I did not receive any communication of any kind from the company to confirm that they had ever received it.  The only written communication besides statements from this company that I received, came only after Revdex.com became involved.  Then the e-mail they sent me stated the account was closed and that if I didn't return the equipment to them I would be charged additional fees!  I clearly do not have any equipment from this company.
Clearly they have terrible customer service ( as it's non-existent), and they are a fraudulent company taking advantage of small business owners and sucking us dry on a monthly basis.  I am continuing to demand the return of my hard earned money that USwipe had no right to take.  This company sure came up with a good name for themselves as they swipe the merchants money from their bank accounts without consent and refuse to issue refunds when they have taken the money that doesn't belong to them.
I will not rest on this matter until all of my money has been returned to me.
Regards,
S[redacted]

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchants, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
When you opened your account, the pricing program you
selected included a qualified rate of
1.69%. The way credit card processing service work is that there is
a qualified rate that applies to most transactions (regular debit and credit
cards); however there are also mid- and non-qualified rates that vary depending
on the method you used to enter a transaction (i.e. key-entering instead of
swiping the card) and the type of card it is (i.e. business, government or special
rewards-type credit cards). 
There are multiple ways that you could have contacted our
uSwipe office to discuss rates.  In fact,
the notes in First Data Merchant Services database reflect that they provided
you with our contact information so you could reach us directly; however we
have no record of you contacting the uSwipe office for assistance in understanding your
bill or how the charges work. Additionally, the charges that you began
incurring could surely have been resolved by the First Data customer service
helpdesk as they address billing inquiries on a daily basis.
When you had your bank begin rejecting the debits to your
bank account, this put your account into collections. Your account was closed on
June 7, 2015 by First Data Merchant Service due to your collections balance
with them. At this point, any collections balances need to be addressed and resolved
with the First Data Merchant Services collection department at ###-###-####
as we are a sales entity for First Data, we do not have access to resolve
collection balances.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
After reviewing the account, I indeed show that we failed to
close your account in a timely manner. Please note that the refund of $133.95 will
be mailed. Please allow 5-7 business days for receipt. We apologize for the
delay in processing your request.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
 
This fee was charged due to your failure to validate your
PCI-DSS compliance, as required by your merchant agreement. Any business with
an open merchant account is required to attest to PCI-DSS compliance on an
annual basis. The due date varies depending on when you opened your Merchant
Account. In preparation for your due date, we send courtesy notifications via
standard mail and email, to advise you of the approaching deadline. Failure to
complete your Self Assessment Questionnaire by the due date resulted in a
non-validation fee. An open Merchant Account will continue to receive the
non-validation fee on a monthly basis until the compliance is completed. When
you certify your compliance with PCI-DSS, you demonstrate your commitment to
Data Security, in addition to reducing your exposure to fraud and the costs
associated with it.
 
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements. If we are unable to retrieve funds from your bank account due to
insufficient funds, per the Terms and Conditions, your account may be submitted
to collections.
 
If your collections amount(s) have been resolved, then you
should not worry about an impact to your credit report(s). However, if you do
not resolve the collection matter, the amounts may be reported. Please contact
the collections department if you are unsure on the status of your collections
account.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
The fee you incurred was not a monthly fee for having an
account. This fee was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account.
In preparation for your due date, we send courtesy notifications via standard
mail and email, to advise you of the approaching deadline. Failure to complete
your Self Assessment Questionnaire by the due date resulted in a non-validation
fee. An open Merchant Account will continue to receive the non-validation fee
on a monthly basis until the compliance is completed. When you certify your
compliance with PCI-DSS, you demonstrate your commitment to Data Security, in
addition to reducing your exposure to fraud and the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements.
For assistance or instructions on completing your PCI-DSS
compliance, you may contact our customer service team Monday through Friday
(8-5 PST) at 1-800-606-1226. Once your compliance is verified, the non-validation fee will be
removed from your account.

uSwipe takes great pride in conducting business with the highest level of service and support. We have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer.  ...

The fees that you incurred were not “overcharges.” The fees were acquired by the rates associated with the credit cards that you had processed. These rates were agreed upon with your signed merchant application. It is your responsibility as a merchant to read and review your merchant processing agreement. A signed application from you assures us that you are aware of and that you agree to the fees that you will be charged. If you had signed an application with different rates than we had charged you, then the term “overcharge” would be appropriate. That is not the case in this situation. We charged you the fees that you signed and agreed upon. Regarding the amounts you feel you should be credited, $50-$100 as well as $1000, those numbers were solely produced by the dollar amount of credit card transactions that you processed. Nothing was charged in addition to those fees; which you signed and agreed to. I have attached a copy of your merchant processing agreement for your reference. In regards to your claims of Mr. G[redacted] avoiding you, you were notified by Jaredd himself that his schedule would be erratic and that he would physically be out of the office. This makes the claims that you make of him avoiding you very untrue. In spite of the face that you had called the office multiple times to discuss your fees, you were still using the service. If you were in fact unsatisfied with the service and you felt that you were being overcharged, then you should have not continued to use it for 6 months. We did speak with you multiple times regarding your account and your pricing structure was changed to match your old account. Due to a data entry error you were actually overcharged here and we did credit you back that amount in a very timely manner. Your account has been credited $139.59 as of May 5th, 2016. Furthermore, your account with uSwipe has been closed, you will no longer be charged monthly, and you will not be able to process credit card transactions through uSwipe moving forward.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied...

customer.
A request has been submitted to have your monthly account
fees set to zero while we are waiting for your refund to process. Once the
refund has posted, your account will be closed. You should not receive any
further charges from uSwipe. However, please ensure that you return any equipment that uSwipe has provided to you when your account was first opened.