Wengerd Construction

Hello, This case came from the San Jose office CASE # and was already addressed. DateActivityDescription05/20/2015 Case Closed as TRANSFERRED to another Revdex.com 05/20/2015 Inform other Revdex.com Case Transferred 05/20/2015 Inform Consumer Case Transferred
to Another Revdex.com 05/19/2015 Forward to Another Revdex.com - OTTO 05/18/2015 Receive Business Response After reviewing this merchant account notations and agreement, the merchant downloaded Smartswipe our mobile application to process credit cards as a form of paymentMerchant downloaded application and proceeded to fill out Merchant Processing Application which provided them with full terms and conditions and pricing for the service they were requestingMerchant completed application on their ownMerchant agreed to the terms and conditions via digital signature with their IP address embedded. All Informatin pertaining to merchant services were provided for the merchant to read through and merchant acknowledges filling out information "To sign into the app you needed to fill out a sign up form to get your login and password which was supposed to be emailed to me right after sign up"merchant states they supplied information for set up, however it seems merchant did not read through terms that were available for them to readMerchant Account Solutions provided a service the merchant requested and agreed to. 05/15/2015 Reminder of Dispute to Business - Member 05/15/2015 Consumer - Have You Heard From the Company 05/15/2015 No response to first notice to member 04/30/2015 Notify Business of Dispute - Member 04/30/2015 Send Acknowledgement to Consumer 04/30/2015 Case Reviewed by Revdex.com - Member 04/29/2015 Case Received by Revdex.com *** R
Operations Manager
Merchant Account Solutions
P: ###-###-#### xt
F: ###-###-####
E:
***@merchantaccountsolutions.com

After reviewing this merchant account notations and agreement,
merchant was emailed a Merchant Processing Agreement and was advised to
complete and agree to all terms and conditions which has all fees associated
with the services requestedMerchant proceeded to enter all of their
business
information and business owners information at the end of agreement merchant
agreed to terms via digital signature embedded with their IP address ##.###.###.###Agreement available upon requestMerchant account was approved,
account number was issued and credit card reader was sent out On April 20,
merchant installed equipment and ran a test transactionOn April 30th merchant called in stating reader was not compatible, merchant provided us with incorrect smartphone modelCorrect equipment was sent out free of charge with a return label to return other deviceServices were requested, provided and installed.
Merchant Account Solutions
would like to advise business owner for the future to always read all terms and
conditions provided to them and have full understanding before signing anything
in order to avoid any misunderstandings for their business
As a courtesy to the merchant we can terminate the merchant
agreement and waive the termination fees as long as merchant returns equipment provided SN: 3*** and SN: 509tto the address below in good and working condition. No refunds will
be issued for for any fees already billed as services were requested, provided,
installedWhen returning equipment please retain tracking
information for your own records.
MAS Returns

I do not agree with the response from Merchant Account SolutionsMerchant Account solutions has not addressed the reason why they are taking $from my checking account every monthI clearly have not agreed to pay $per month, if anything should be paid to Merchant Account Solutions it is $per monthI also contacted Ipayment regarding the cancelled account and the account was closed because they do not do business with insurance companies , all insurance companies pose a security riskThe account with ipayment was not closed due to fraudulent activity and I attached the letter from ipayment that shows why the account was cancelledMerchant Account Solutions is clearly telling people thay can get a credit card processing account for $per month and then going ahead and charging them more than the $and when you call to cancel the account they tell you that you are signed up for three years and it is probably cheaper to just pay the monthly fee
I believe I should receive a refund for the all of the monthly charges of $
Merchant Account Solutions has not provided a contract that I signed stating that I agreed to pay the fees I was charged
Please refund me the charges of $and close the account
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response
If no reason is received your complaint will be closed]
Complaint:
I am rejecting this response because:
Regards,
*** ***

Services were requested to process credit cards as a form of payment for their Jewelry business processing $monthly and were provided, all service fees pertaining to service requested are valid and services were providedNo service fees will waived/refunded as 98% of financial responsibility
of agreement has been waived and $of termination fees per merchants misunderstanding of their agreement that was provided for them to read, understand and agree in which they did via their digital signature embedded with their IP address

In
response to this merchants complaint, below we will list out a timeline and
chain of events that took place within this particular scenario if effort to
provide clarity and closure to this claim
Our
application process is very clear, concise and requires acceptance by the
applicant in
each step of the process, the final step is a set of terms, this
section provides all important details in regard to the terms, conditions,
pricing and structures for each respective applicationAll items listed in
question via the complaint detail is available at that point and view-able
prior to acceptance of the terms listed in our agreementsThere is full and
complete disclosure included with all of our applications. Application was
signed with digital signature that has the following IP address embedded
General
IP Information
IP: ###.###.##.###
Decimal: 29***
Hostname: h119.***.174.dynamic.ip.windstream.net
ASN:
ISP: Windstream Communications
Organization: Windstream Communications
Services: None detected
Type: Broadband
Geolocation Information
Continent: North America
Country: United States us flag
State/Region: Florida
City: High Springs
Latitude: **
Longitude: -**
On
08/03/at 2:PM PST merchant downloaded our Mobile Application Credit Card
Reader, and applied and completed application on 08/3/at 2:PM PST for the
services in questionMobile App requests pertinent information to be entered
in prior to application submission, these steps include but are not limited to
Business Name
Principal Owner Name
Federal Tax ID #
Social Security Number
Expected Processing Volume
Checking Account Number
Bank Routing Number
Services were requested, provided, installedIn
closing the desired settlement requested is to have the account closed with no
early termination fees and all fees refundedMerchant Account Solutions stands
by its services, products and terms listed in our fully disclosed and
completely transparent contracts at all times and while we feel that we have
delivered the services requested to the best of our ability, we will waive the
termination fee due to their misunderstanding of the terms providedAny and
all fees leading up to account closure are valid as services were requested,
provided, installed and usedNo refunds will be processed for monthly services
during active state of account as it was in useTermination fees have been
waived and account is currently closed due to non-paymentAny fees owed in
collections are valid and must be paid for to avoid further escalation
Merchant Account Solutions would like to advise merchant in their future
business ventures to always read and have full understanding of the terms
provided for services they are requesting to avoid confusion such as this

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10805349, and find that this resolution is satisfactory to me
Regards,
B*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10655733, and find that this resolution is satisfactory to me. I also would like to note that what you say is all lies and I hope the Revdex.com along with the AG takes further action against this company This is VERY much a scam Why would I have ever agreed to such ridiculous terms when there are plenty of reasonable cc machine companies out there Thank you for ripping off the working class I hope your kids have better and bigger dreams than you, set up a LEGIT business only to be ripped off by a sm business such as yourselves GOD BLESS THE WORKING CLASS IN AMERICA!
Regards,
M*** ***

Our Application process is very clear, concise and requires acceptance by the application in each step of the process, the final step is a set of terns, this section provides all important information details in regard to the terms, conditions, pricing and structures for the respective applicationALL items listed in the complaint detail are available at that point and view-able prior to the final acceptance of terms listedThere is a full and complete disclosure included with all of our applicationsCancellation procedures were provided as well as copies of their merchant agreement that had their digital signature embedded with their IP address have been provided.If the merchant chose to not read through terms provided and proceed to agree to them without having a full understanding Merchant Account Solutions offer stands to waive the larger portion of the termination fees($350) to assist with the merchant neglecting to read the terms.In closing in order to assist the merchant in their confusion we will waive the larger portion of the termination fee of $and the merchant will be responsible for the remaining balance of $and any and all fees accrued and leading up to termination per the services requested and providedMerchant Account Solutions stands by its services, products and terms listed in our fully disclosed and completely transparent contracts at all times and while we feel we have delivered services requested to the best of our abilityPlease contact ###-###-#### for further assistance if there is any questions regarding the agreement provided

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11030874, and find that this resolution is satisfactory to meThank you for being fair and not trying to penalize me for terminating a service that I was never PROPERLY informed aboutThe address to send the equipment isn't listed if you could email it to me that would be great if not I will just callTHANKS SO MUCH!
Regards,
K*** ***

Complaint:
I am rejecting this response because:The business called me last week, willing to resolve the issueThey are giving me part of the money back, not too happy about that but I said okI truly believe
that to be fair they should have refunded all the funds that were charged after I made the first attempt to cancel thisMoreover, Up to now I haven't yet seen any refundsThanks
Regards,
*** ***

Terms and Conditions were provided during initial application, available to read, download and retain a copyMerchant neglected to read but did agree to them via digital signature with IP address embedded. Proper closing procedures were not followed in May, request for refunds have been declined as account was activeAs a courtesy for the merchant misunderstanding, Termination fees have been waived and account is scheduled to be closed and the end of the billing cycle (9/30/15)

We have reviewed this merchant agreement and communications. On 5/17/at 12:AM PST (offices are closed) merchant downloaded our Mobile Application Smartswipe and applied for the services in question. Within the application process it request pertinent information listed below
Merchant proceeded to provide all the information and agreed to all rates/fees associated along with the year contract. There is full and complete disclosure included with all of our applications. Application was signed with digital signature that has the following IP address embedded Business Name Principal Owner NameFederal Tax ID #Social Security Number Expected Processing Volume Checking Account Number Bank Routing NumberMerchant states has not received equipment to process credit card transactions, please see proof of delivery below:Tracking Number:1ZR078W***94Service:UPS GROUNDDelivered On:04/17/4:P.M.Delivered To:PHILADELPHIA, PA, USSigned By:ZHULeft At:OfficeMerchant Account Solutions stands by its services, products and terms listed in our fully disclosed and completely transparent contracts at all times and while we feel that we have delivered the services requested to the best of our ability, we will waive the termination fee due to their misunderstanding of the terms providedWe will waive the termination fees as long as the equipment provided free of cost is returned in good and working condition to the address belowOnce equipment is received and tested account will be cancelled with in business daysAny fees accrued during the active state of the of the merchant account are valid as services were requested, and provided. Merchant Account Solutions would like to advise the merchant in their future business ventures to always read and have full understanding of the terms provided for services they are requesting to avoid confusion such as this. Shuttle Reader Serial Number 50***434Ref# 67357MAS Return

Complaint:
I am rejecting this response because: August 18th was not the first contact to said company Said company has a number that answers all call, then you are transfer to their numberPlease ask them about the message I left for the person that handles my account, explaining the situation as far a my business having a fire and me not using their services because of the fire Also yes it is unfortunate that there was a fire, but how can you pass judgment on me as far as my responsibility for my account being reconciled when in fact all of my files were destroyed in the fireBut, shame on your company for passing judgment, and I have all of my statements from the incident to show any one who request it that there were no activities from me on your machineYou also charge me an annual fee which is for the year moving forward and yet still I didn't use the service months prior and thus afterwards Shame on youThis is a company that has misused their authority, and good business practices Also the account closing information that was sent to me prior to today was that in January as per MrAn*** ***, which is months prior to the fireSo, that information is null and void of this conversation The period in question is from June on so in essence it is more than monthsIf my information is conflicting please have them pull the recordings of all my conversations and all time I've calledI too can request my phone records for the times I've called your company.
Regards,
M*** ***

Hello, This case came from the San Jose office CASE #and has already been addressed.DateActivityDescription05/20/2015 Case Closed as TRANSFERRED to another Revdex.com 05/20/2015 Inform other Revdex.com Case Transferred 05/20/2015 Inform Consumer Case Transferred to
Another Revdex.com 05/19/2015 Forward to Another Revdex.com - OTTO 05/19/2015 Receive Business Response After reviewing this merchant account notations and agreementsMerchant has breached merchant agreementMerchant was contacted to offer lower processing rates for their merchant services and was advised of our competetive pricesMerchant completed Merchant Processing Application which had full terms and conditions along with pricingMerchant agreed via digital signature embeddec with their IP addressMerchant stated their business processed $5,in credit cards monthly and that the business had been open for monthsMerchant then advised the business had not been opened and will not be accepting credit cards and closed their checking without allowing us to provide proper closing proceduresAt this time the account is closed due to non-payment and a collection balance is dueWe will waive as a courtesy to the merchant the termination fees scheduled to be charged however the merchant is still responsible for collection balance duePlease call ###-###-#### to assist with balance. 05/15/2015 Reminder of Dispute to Business 05/15/2015 Consumer - Have You Heard From the Company 05/15/2015 No response to first notice to business 04/30/2015 Notify Business of Dispute 04/30/2015 ReOpen the Complaint 04/29/2015 Case Received by Revdex.com *** *
Operations Manager
Merchant Account Solutions
P: ###-###-#### xt
F: ###-###-####
E: ***@merchantaccountsolutions.com

Complaint:
I am rejecting this response because: If you look at their website it states you will received equipment: never receivedIt also states get a free quote which is what I didThen it also states .39% for each card swipedNever used it because we didn't have the equipment! I did the free quote found out it wasn't right for my business and deleted it off my phone You had to put in all that information to get a free quoteIt took my bank and us forever to figure out who was taking money out of my account without my knowledge because in the debit it never states who they areAfter I made this complaint I have checked online and seen that many people have also complained about the same exact thingI work two jobs to run a business and make ends meet and these companies think it's a joke to scam innocent people out of money so they can make millions off of usI want the money that was debited out of my account for never receiving the equipment and for never using!
Regards,
J*** ***

In order to assist this merchant with their concerns please provide more information, please elaborate how Merchant Account Solutions "breached contract" and "bait and switch"All terms and conditions were provided during the inception of the accountThe following timeline may assist in seeking a
resolutionOn August 18, 2:pm PST merchant was
contacted by Merchant Account Solutions to offer lower rates and monthly
service fees based on the merchant’s monthly credit card processing volumeOn the
same day merchant submitted Merchant Processing Application for the services in
questionApplication requests pertinent information to be entered in prior to
application submission, these steps include but are not limited to
Business
Name
Principal Owner Name
Federal Tax ID #
Social Security Number
Expected Processing Volume
Checking Account Number
Bank Routing Number
Our application process is very
clear, concise and requires acceptance by the applicant in each step of the
process, the final step is a set of terms, this section provides all important
details in regard to the terms, conditions, pricing and structures for each
respective applicationAll items listed in question via the complaint detail
is available at that point and view-able prior to acceptance of the terms listed
in our agreementsThere is full and complete disclosure included with all of
our applications. Application was signed with digital signature via their mobile cell phone device that has
the following IP address embedded 166.***.51.26General
IP Information
IP: 166.***
Decimal: ***
Hostname: mobile-166-***-051-026.mycingular.net
ASN:
ISP: AT&T Wireless
Organization: AT&T Wireless
Services: None detected
Type: Wireless Broadband
Assignment: Static IP
Geolocation Information
Continent: North America
Country: United States us flag
State/Region: California
City: *** ***
Latitude: 34.***3 (*** ** *** *)
Longitude: -***13 (*** *** *** W)
Postal Code:

In order
to address this merchant concerns we have reviewed their account notations,
communications and agreement
Merchant
downloaded our Mobile application Smartsiwpe which is available for download free
of cost and requires and merchant account in order to function properly
Merchant
proceeded to apply for said merchant servicesDuring the application
process, it requires pertinent information such the business information,
owner’s information and banking informationEach and every page of the
application process requires confirmation and submission, lastly on the last
page it list ALL terms which includes any and all fees pertaining to the
services requestedThe agreement was digitally singed with the following IP
address embedded 184.***.20.184.
The
equipment was also provided free of cost per the terms of the merchant account
agreement that was requestedMerchant proceeded to complete the installation
process and ran a test transaction for $0.02, services have been installed and
used
Merchant’s
desired settlement cannot be granted just because the merchant failed to read
the terms providedThis mistake costs our company application fees, licensing
fees and activation feesAll information pertaining to the services requested
were available to readDue to the merchant’s misunderstanding as a courtesy we
will cover the remaining of a month contract as well as all their
termination fees totaling $In order to grant this, merchant must
return equipment provided in good and working condition to the address listed
belowNo refunds will be issued as the account was requested, services
rendered, installed and usedAccount will be closed as soon as equipment is
received, please retain any tracking information for your records, any fees
accrued during the active state of the account are validMerchant Account
Solutions would like to advise the merchant to always read and understand any
and all terms provided during any of their future business ventures in order to
avoid any misunderstandings they may have and avoid costing all parties
involved any fees
EPN
serial number: 3***
MAS Returns

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11432053, and find that this resolution is satisfactory to me
Regards,
T*** ***

Merchant provided an invalid bank account that does not accept deposits, merchant was advised to provide proper business checking account numerous times and refuses to proceed with requestShe is not getting the "run around", she is failing to comply with our requests Merchants last
communication was "she's busy"Funds cant be release until proper banking information is updatedplease contact ###-###-#### option for further assistance in funds being released.9/16/8:PM OFFRD TO MK CNFRNCE CLL W/ BNK TMRRW, MERCH SD SHE'S BUSY ADVSD WE CN'T UPDT DDA UNTIL WE VERIFY W/ THE BNK

In order
to address this merchant concerns we have reviewed their account notations,
communications and agreement
Merchant
download our Mobile application Smartsiwpe which is available for download free
of cost and requires and merchant account in order to function properly
Merchant
proceeded to apply for said merchant servicesDuring the application
process, it requires pertinent information such the business information, owner’s
information and banking informationEach and every page of the application
process requires confirmation and submission, lastly on the last page it list
ALL terms which includes any and all fees pertaining to the services requested
The agreement was digitally singed with the following IP address embedded
74.***.227.1**It is unfortunate the merchant neglected to read the terms
provided during the inception of the account
The
equipment was also provided free of cost per the terms of the merchant account
agreement that was requestedMerchant proceeded to complete the installation
process and ran a test transaction for $0.02, services have been installed and
used
Merchant’s
desired settlement cannot be granted just because the merchant failed to read
the terms providedThis mistake costs our company application fees, licensing
fees and activation feesAll information pertaining to the services requested were
available to readDue to the merchant’s misunderstanding as a courtesy we will
cover the remaining of a month contract as well as all their termination
fees totaling $In order to grant this offer, merchant must return
equipment provided in good and working condition to the address listed below
No refunds will be issued as the account was requested, services rendered,
installed and usedAccount will be closed as soon as equipment is received, please
retain any tracking information for your records, any fees accrued during the
active state of the account are validMerchant Account Solutions would like to
advise the merchant to always read and understand any and all terms provided
during any of their future business ventures in order to avoid any misunderstandings
they may have and avoid costing all parties involved any fees
EPN
serial number: 3***
MAS Returns