Wengerd Construction

Hello, In order to address this merchant's concerns regarding their agreement with Merchant Account Solutions we have reviewed their account notations and communications. On December 31 they downloaded an application called Credit Card Reader available for free download via Google Play App...

Store. In order for the application to function with their mobile device they must apply to accept credit cards as form of payment for products and services they are selling for their business. The application has a contact us profile for a quote to request and they proceeded to complete. One of our account representative contacted them to complete a Merchant Processing Application which is available online. Merchant filled in their business information, business owners information and a detailed description of products and services sold, at the end of this application there were terms and conditions available for the merchant to read through and agree to via digital signature embedded with the following IP address 98.[redacted].211.1** which matches the address on our Merchant Agreement and on the contact information provided on this case. After agreeing to terms and conditions merchant has the ability to print out a retain a copy for their records. To address merchants desired resolutions and as a courtesy due to the misunderstanding of the agreement they signed we will cancel merchant agreement and waive any termination fees associated as long the merchant returns equipment provided EPN SN: 3[redacted] in good working condition to the address below. Unfortunately their monthly service fees are valid as merchant requested services and were provided also the merchant was not charged $70 worth of fees.  MAS Returns

In
response to this merchants complaint, details provided by Mr. B[redacted] reflect
conflicting and false information, 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. On 6/1/2015 at...

9:27 AM PST merchant downloaded our Mobile
Application Credit Card Reader, unsolicited and applied and completed
application on 6/1/2015 at 11:02 AM PST for the services in question. Mobile
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
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 application. All 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 agreements. There is full and
complete disclosure included with all of our applications. Merchant indeed
request services, if they did not how is it possible we have obtained the
business information? How did they proceed to accept delivery of the equipment?
How did a test transaction on June 4th, 2015 get completed? Application
was signed with digital signature that has the following IP address embedded [redacted],
and proof delivery listed below.
General
IP Information
IP:       [redacted]
Decimal:         18[redacted]22
Hostname:      107-138-218-134.lightspeed.miamfl.sbcglobal.net
ASN:   7018
ISP:     AT&T U-verse
Organization:  AT&T U-verse
Services:         None detected
Type:   Broadband
Assignment:   Static IP
Geolocation Information
Continent:       North America
Country:          United States us flag
State/Region:  Florida
City:    Deerfield Beach
Postal Code:   33441
Proof of DeliveryTracking Number: 1ZR078W[redacted]27Service: UPS GroundWeight: 1.00 lbShipped/Billed On: 06/03/2015Delivered On: 06/10/2015 7:18 P.M.Delivered To: COCONUT CREEK, FL, USSigned By: S[redacted]Left At: Residential
Merchant’s
exaggeration of extortion, harassment and alleged threats is downright false
and complete defamation of our companies continued merchant support to all of
our existing customers who have received nothing but the best service on their
accounts. It is unfortunate that a merchant must make false accusations and
provide conflicting information in order to achieve a desired resolutions.
In
closing, the desired settlement requested by Mr. B[redacted] cannot be granted.
Despite the inaccuracies of the detailed complaint Merchant Account Solutions
agrees to close the account as a courtesy to their misunderstanding of the
terms and conditions they agreed to for the services they requested, we will
release the merchants financial responsibility from their 36 month contract and
cover their Termination fees of $645.00 as long as the equipment provided is
returned to the address listed below. ANY fees accumulated during the active
state and leading up to equipment being received for closure are valid as
merchant has used the services provided. In addition Merchant Account Solutions
will not pursue to file any reports of the merchants emotional, life threats
and defamation they have done to our employees and our company during the time
we were trying to assist with their confusion.
EPN
Serial Number 3[redacted]
MAS Returns
Reference number: 00220

On June 4, 2014 Mr. [redacted] solicited Merchant Acccount
Solutions and applied on our Mobile Application for the service in question,
the account was approved and the hardware mentioned in the complaint detail was
shipped, delivered and signed for by Mr. [redacted] June 11th 2014.
The complaint...

listed by Mr. [redacted] states that he received
an email from a representative listing out our offer, pricing and terms for his
new account, chief amongst the details mentioned was that there is $4.95
Monthly statement fee listed as part of the offer, in the latter portion of the
same report Mr. [redacted] states that he never agreed to monthly fees. Either the
context of the email was written incorrectly or the information provided
outright contradicts itself.  Historically Merchant Account Solutions has
firmly stood by all offers that are presented in writing from representatives
but we were never provided such an email nor details explaining the offers the
complaint detail is the first bit of information provided suggesting such
emails, agreements or amended terms.
Despite the inaccuracies in the complaint it has been
founded that Mr. [redacted]s application was submitted to our company unsolicited
through our Mobile web portal; in this application all details of our
agreements and contracts are 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 pricing and structures
for each respective application. All items listed in question via the complaint
detail is available at that point and viewable prior to acceptance of the terms
listed in our agreements. There is full and complete disclosure included with
all of our applications and this situation is no different.
In the interim Merchant Account Solutions has also founded
that Mr. [redacted] had 2 separate accounts with Ipayment Inc. whom is the
underwriter and processor for the account in question as well as the processor
for the aforementioned account ending in XXXXXXXXXXXX8191. Inexplicably on October
17, both accounts mentioned were shut down due to Security Risk Issues and
Fraudulent Activity, this was not done at Merchant Account Solutions request
but as a blanket closure for all accounts under the Ipayment Inc. umbrella. The
correlation of dates of this complaint as well as the dates of force closure
one can only assume that we have not done anything wrong other than provide a
service that was requested by Mr. [redacted] and this is an effort to further
engage in fraudulent activity.
In
closing, the desired settlement requested by Mr. [redacted] cannot be granted.
Merchant Account Solutions agrees to close the account with no Early
Termination Fees as long as the equipment is returned in proper working order
but there will be no refund of the monies requested.Shuttle Serial Number 417[redacted]62Ref # 31957MAS Returns

We have reviewed this merchant agreement and communications. On 5/17/2015 at 12:23 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 3 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[redacted]94Service:UPS GROUNDDelivered On:04/17/2015 4:30 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 provided. We will waive the termination fees as long as the equipment provided free of cost is returned in good and working condition to the address below. Once equipment is received and tested account will be cancelled with in 10 business days. Any 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[redacted]434Ref# 67357MAS Return

As previously mentioned, we stand by the existing offer to release the merchant and cover the remaining financial responsibility of a 36 month contract and the $645.00 termination fees as a courtesy due to their misunderstanding and potential security risk due to their business type as well false information supplied during their application process. Please return the equipment provided in order to close out this case. Merchant proposal cannot be validated as it does not supply a date or valid employee signature, merchant proceeded to agree to terms provided during the application process at the fees their being billed. Merchant Account Solutions provided the merchant as requested service to accept credit cards as form of payment for products/services they would be selling with a requested monthly volume of $3,000, which the merchant did not fulfill their part of agreement and not just limited to their monthly volume among other information provided inaccurately which violate Card Network rules and regulations. In conclusion please return equipment provided to proceed with fee waivers as a a courtesy to the merchants misunderstandings.   On June 4, 2014 Mr. [redacted] solicited Merchant Acccount Solutions and applied on our Mobile Application for the service in question, the account was approved and the hardware mentioned in the complaint detail was shipped, delivered and signed for by Mr. [redacted] June 11th 2014.The complaint listed by Mr. [redacted] states that he received an email from a representative listing out our offer, pricing and terms for his new account, chief amongst the details mentioned was that there is $4.95 Monthly statement fee listed as part of the offer, in the latter portion of the same report Mr. [redacted] states that he never agreed to monthly fees. Either the context of the email was written incorrectly or the information provided outright contradicts itself.  Historically Merchant Account Solutions has firmly stood by all offers that are presented in writing from representatives but we were never provided such an email nor details explaining the offers the complaint detail is the first bit of information provided suggesting such emails, agreements or amended terms.Despite the inaccuracies in the complaint it has been founded that Mr. [redacted]s application was submitted to our company unsolicited through our Mobile web portal; in this application all details of our agreements and contracts are 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 pricing and structures for each respective application. All items listed in question via the complaint detail is available at that point and viewable prior to acceptance of the terms listed in our agreements. There is full and complete disclosure included with all of our applications and this situation is no different.In closing, the desired settlement requested by Mr. [redacted] cannot be granted. Merchant Account Solutions agrees to close the account with no Early Termination Fees as long as the equipment is returned in proper working order but there will be no refund of the monies requested.Shuttle Serial Number 417[redacted]62Ref # 31957MAS Returns

Revdex.com:
The business has contacted me in reference to complaint ID 11463907. They have sent me an email verification that they have resolved my issue. 
Regards,
L[redacted]

Complaint: 10632859
I am rejecting this response because:I have proven to this company that the item was returned and received! Yet, I am still being charged. Nowhere in these responses do they state that I will continue to be charged until they FIND the received item! They stated that all charges would be waived once item was RECEIVED in which it was RECEIVED 25 days ago. I have proof it was received 25 days ago. I do NOT understand why it takes them 25 or more days to FIND an item. Yet they continue to say they don't have it, after I have proven it has been received. They want to keep charging me even though they have the returned item IN THE SAME PACKAGING IT WAS SENT TO ME IN! Please refer to attached photos of the receipt with tracking number, photo of item tracked and received by this company, AND the response that said they would waive all charges once item was RECEIVED not FOUND!
Regards,
B[redacted]

Unable to locate merchant account with information provided (contact name and email), please provide accurate information such as Doing Business As name (DBA), Location Address/phone number, Merchant ID number, and Business Owners Name.

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 requested. Merchant 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 **.[redacted].*.[redacted]. Agreement available upon request. Merchant account was approved, account number was issued and credit card reader was sent out On April 2, 2015 merchant installed equipment and ran a test transaction and continued their service. As a courtesy to the
merchant we can terminate the merchant agreement and waive the termination fees as long as
merchant returns equipment SN: 37[redacted]96 to the address below in good and
working condition. No refunds will be issued for for any fees already billed as services were requested, provided, installed and actively used. When returning equipment please retain tracking information for your own records. MAS Returns

After reviewing this merchants
account, we unfortunately cannot assist the merchant with some of their
concerns as they are not the account...

holder/principal. We gathered the
following info to assist with clarification however merchant desired resolution
will not be granted.
Mr. Fernandez applied for service
for his business on April 13th, 2015 and has been actively
processing from the inception of the account, this account is good standing and
has an agreement in place. The second account was applied later the in the
month of April by a different business owner with different information. In no
way shape of form did we make a mistake and create 2 accounts with completely different
information.
Mr. Fernandez is referring to an
account that maybe associated to him via his partnership, however he is not on
the agreement we are not at liberty to provide full information. We will advise
the following:  This account has been closed
with no termination fee on the end of February’s 2016 billing cycle.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11416369, and find that this resolution is satisfactory to me. I was very pleased to receive a call from the business and...

was granted a full return on the two months requested. The early termination fee was waived and I was granted to close my account.I am very happy that the business took prompt action and had good customer service. Thank you very much!!
Regards,
J[redacted]

The following timeline will
provide further clarity on this merchant’s concerns.
 Merchant downloaded our mobile
application Credit Card Reader from the Google Play store and proceeded to
apply for services in question on June 12, 2015. Our application requests
pertinent information and...

confirmation every step of the application. Any and
all terms, conditions and fees associated with the services requested were
provided during the inception of the account. Application was digitally signed
and embedded with the following IP address ###.##.#.###. Once application was completed,
merchant had the ability to print and retain a copy.
Merchants states was not provided
with services, however on June 13, 2015 merchant was emailed logins for their
mobile application which allows them to run transactions through their mobile
cell phones with or without a mobile swiper. Merchant logged in a ran test
transaction in demo mode. Our office also placed numerous calls and emails
between June 17, 2015 to July 6, 2015 to confirm delivery address but no luck
in contacting the merchant and no return communication.
Merchant’s desired
settlement cannot be granted because the merchant failed to read the terms
provided. This mistake costs our company application fees, licensing fees and
activation fees. All information pertaining to the services requested were
available to read. Due to the merchant’s misunderstanding as a courtesy we will
cover the remaining of a 12-month contract as well as all their termination
fees totaling $645.00. No refunds will be issued as the account was requested,
services rendered, and installed. Account will be closed at the end of the
current billing period, March 31, 2016. Any fees accrued during the active
state of the account are valid. Merchant 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.

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 request. She 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 updated. please contact ###-###-#### option 1 for further assistance in funds being released.9/16/2015 8:04 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 review their account. Merchant was approved to accept credit cards as form of payment for their furniture business with limits requested of an average ticket of $850, a high ticket of $3,000 and accumulated monthly volume of $25,000. Merchant was...

provided a quote based on their limits request. Within the agreement they agreed to adhere to set limits they requested and were approved for. Merchant processed a single transaction outside of their limits requested and were billed accordingly, however the merchant did not have sufficient financial support to process the amount outside of their limits and were advised to process a refund. Merchant was then refunded as a courtesy the fees associated to the credit card transaction. Merchant has been advised this on numerous occasions. At this time for violating their agreement we will be closing out the merchant account due to security risk. Merchant must return mobile card reader provided in good and working condition to the address listed below.

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, 2015 2:38 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 volume. On the
same day merchant submitted Merchant Processing Application for the services in
question. Application requests pertinent information to be entered in prior to
application submission, these steps include but are not limited to  
     Business
Name 
Principal Owner Name                                      ...⇄ />                                         ...⇄ 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 application. All 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 agreements. There 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.[redacted].51.26General
IP Information
IP:       166.[redacted].51.26
Decimal:          [redacted]8
Hostname:       mobile-166-[redacted]-051-026.mycingular.net
ASN:   20057
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:    [redacted]
Latitude:         34.[redacted]3  ([redacted])
Longitude:      -[redacted]13  ([redacted] W)
Postal Code:    90013

Complaint: 10702396
I am rejecting this response because:Your assertion that because I didn't get your name correctly (Integrated vs. International) invalidates all of my claim, is the biggest pile of nonsense I've ever heard.  The phone numbers I was instructed to call from my phone APP is YOUR company, whether I quoted your correct name or not.  The people I spoke to still represent YOUR Merchant Account Solutions/International Card Services Company PERIOD.  My mistake of misquoting the name Integrated with International doesn't negate ANY part of my claim against you for your bad business practices.  Let's discuss AGAIN what those are.You state in your letter, "Equipment was received July 10th, (packages were sorted July 21st, 2015)...".  This is clearly falsification of documentation of the signed return register receipt  I have,  which clearly states the equipment was received on July 6, 2015.  You can't account for mail received for 15 days??????????????????  Your policy for NOT sorting your mail for an additional 15 days has NOOOOOOOOOOOOO bearing on my account status.  I believe this is just another stalling technique from you to try to charge me an additional month.  I have had to deal with your stalling techniques SINCE MARCH 2015, when I first indicated to you I DID NOT want your services.  I have NO intention of paying you ANY additional funds because you can't run your business in a business-like manner.  Here is another BIG LIE:  You state in your letter "also available on the terms provided through online application and welcome packet mailed out...etc".  I NEVER received ANY "welcome packet."  To the best of my recollection, I NEVER filed any ONLINE application.  I also reiterate my last statement I made in my last fax to the Revdex.com of documentation I had.  I would have needed to apply MYSELF for a REAL digital signature.  In order to do that I would have been asked to provide valid forms of ID.  My IP address CANNOT be used as a verifiable digital signature because IP addresses can be spoofed.  Let's also NOT forget I have NEVER received a copy of this illusive "contract" you stated from the beginning on the phone with me that I supposedly personally signed, and that your were actually looking at it.  I asked for it twice in verbal conversations and once in a formal email.  I have asked for it in my last response to you as well.  This is clearly just another stalling technique of yours.  In addition to wanting personally signed documentation  you claim you have, I would also like the name of your supervisor.  And the name of THAT person's supervisor as well.  I will continue to report your business practices( I will be sure to report your correct name) to as many agencies as I can find. I can see from the numerous complaints on the Revdex.com website, there are others who have been hurt by your company.  I have NOT forgotten the written account I have of two people who called your company as well.  If you were a reputable company, you would have realized that I was NOT the sort of business that needs your services.  You would have GLADLY refunded my money.  You would have saved yourself a lot of time, aggravation and expense.  I would suggest you calculate the cost of your employee's time and effort so far, in comparison to the approximate $70 you are trying to take from me.  I believe there will be a point in time that you will realize this will cost you MANY more times this $70 you are trying to take from me now. 
Regards,
[redacted]

We do not record calls with out proper consent, a few calls get recorded for training purposes but the merchant on the other line must give consent in order to do so . These calls were not recorded but what is on record is a Merchant Agreement. please contact ###-###-#### for copies of this agreement. We are unable to determine why our representative advised of a different IP address on file it is a possible it was an error on our part and the wrong contract was retrieved, if so we apologize for the confusion. To address merchants desired resolutions and as a courtesy due to the misunderstanding of the agreement they signed we will cancel merchant agreement and waive any termination fees($645) associated as long the merchant returns equipment provided EPN SN: 3[redacted] in good working condition to the address below. Unfortunately their monthly service fees are valid as merchant requested services and were provided. Merchant Account Solutions would like to advise the merchant to please read any and all future applications and agreements presented to the business in order to avoid any future confusions during the life of their business. We have provided services that were requested and any all documentations were available for the merchant to read through and retain a copy once completed with their IP Address embedded 98.[redacted].211.1**, whether the merchant chose to or not is their responsibility as the business owner.  MAS Returns

Hello, This case was originally sent over from the San Jose CASE #418669 and has already been addressed and handled with the client. Also cases should be emailed to [email protected], [email protected] and [redacted]@merchantaccountsolutions.com per our previous...

profile with the San Jose office.http://sanjose.app.Revdex.com.org/complaint/view/418669/b/ddc783DateActiv...⇄ other Revdex.com Case Transferred  05/20/2015 Inform Consumer Case Transferred to Another Revdex.com  05/19/2015 Case Closed as TRANSFERRED to another Revdex.com  05/19/2015 Forward to Another Revdex.com - OTTO  05/18/2015 Receive Business Response This case has been dealt with outside of the Revdex.com. 05/11/2015 Notify Business of Dispute - Member  05/11/2015 Send Acknowledgement to Consumer  05/11/2015 Case Reviewed by Revdex.com - Member  05/08/2015 Case Received by Revdex.com Best Regards, 
[redacted]
| Operations Manager |
PH: ###-###-#### xt 123 |F: ###-###-#### |
E: [redacted]@merchantaccountsolutions.com

Complaint: 10689639
I am rejecting this response because: that's right. But again after we reached that agreement this company never sent out any equipment or provided service! Can they show proof that equipment was sent out? Can they show proof I have ever used their service? No they can't. It's absurd to expect me to pay money for services never rendered! 
Regards,
M[redacted]

The "equipment" provided for this merchant to process was an EPN Quick books plugin with an annual license valued at $89.95. Merchant was provided this free of cost for the life of the merchant account which is the "free equipment". Merchant wanted to order additional equipment which is not covered as a free equipment because he had already been provided with a free equipment and was advised that any additional equipment would be at an additional price. Merchant installed quickbooks plugin and ran a test transaction of $0.01 on 01/23/2015 and was deposited to the bank account on file on 1/25/2015. If merchant was not provided with services then a test transactions would have not been to be performed. Service were provided and installed. As of June 2, 2015 account has been closed for violation of terms and termination fees have been waived as a courtesy, however monthly services fees already billed are valid.