Wengerd Construction

As Stated by the Business.? This merchant concerns are they were not provided with equipment according to their last response nor agreement copies, please find below tracking information where the original equipment was delivered on 07/24/then returned on 09/09/15, merchant had equipment in their possession for almost months before deciding to state they never received itAlso agreement copies were also mailed out during the inception of the servicesMerchant Account Solutions has provided the merchant with the services they requestedMerchant proceeded to install the mobile application on 07/21/and did a test transactionMerchant called in September wanting to discontinue their service and was offered to cut their monthly service fees by 55% and reduce the agreement of months to month, which releases them from 66% of the financial responsibility of a year agreementMerchant agreedThe merchant is able to process credit cards as form of payment via the mobile application they have installed without needing the additional free mobile swiper by manually entering card holders information? Best Regards, [redacted] Operations Manager

This case is in reference to Merchant's equipment was received on June 16th, and the account is currently in process of closure, account cancellation may take up to days depending on the billing scheduleMerchant is responsible for June Fees as account was active for the month of JunePlease be advised that we bill back, merchant will be billed for June fees in the beginning of July but will no longer accrue fees after that

Complaint: I am rejecting this response because:The company has not yet refunded me the desired amount that they agreed to and all they have said is it would be after the 15th of the monthTherefore, the? 15th of July? is the seventh day after the complaint filingI have not been happy with MAS and would like to reject their response considering I still do not have my refund Regards, [redacted] ***

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: [redacted] MAS Returns

It is unfortunate that the merchant has a difficult time understanding Doing Business Name, Legal Business names and even representatives names, seems like they are getting their services requested mixed up and is having a difficult knowing which service is which from other companiesOnce again,Our Legal Business Name is International Card Service (ICS), our doing business name(DBA) as is Merchant Account Solutions(MAS)"Integrated Card Systems" is not in any way affiliated with us nor are they in any way affiliated with "Square"We do not in any way shape or form intercept or pose as anything else than our legal business name and our DBAAny and all our mobile applications do not have any other information aside our ownAlso the documentation attached to this case, isn't in any way shape or form associated to us.Equipment was received July 10th (packages were sorted July 21st, 2015) and account is in process of closure any and all fees accrued during the month (July) leading up to account closure July 31st are validFees were reduced to $and the merchant was notified every month that PCI (Card Networks) compliance(questionnaire) is mandatory and fee would be charged if not completed within the first and up to completion of an additional $Also available on the terms provided through online application and welcome packet mailed outAccount is scheduled to close July 31st, 2015, equipment has been received and notated, per desired resolution

Hello, In order to address this merchant's concerns regarding their agreement with Merchant Account Solutions we have reviewed their account notations and communicationsOn December they downloaded an application called Credit Card Reader available for free download via Google Play App StoreIn 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 businessThe application has a contact us profile for a quote to request and they proceeded to completeOne of our account representative contacted them to complete a Merchant Processing Application which is available onlineMerchant 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] which matches the address on our Merchant Agreement and on the contact information provided on this caseAfter agreeing to terms and conditions merchant has the ability to print out a retain a copy for their recordsTo 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: [redacted] in good working condition to the address belowUnfortunately their monthly service fees are valid as merchant requested services and were provided also the merchant was not charged $worth of fees MAS Returns

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, Our application requests pertinent information and confirmation every step of the applicationAny and all terms, conditions and fees associated with the services requested were provided during the inception of the accountApplication 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, merchant was emailed logins for their mobile application which allows them to run transactions through their mobile cell phones with or without a mobile swiperMerchant logged in a ran test transaction in demo modeOur office also placed numerous calls and emails between June 17, to July 6, 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 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 12-month contract as well as all their termination fees totaling $No refunds will be issued as the account was requested, services rendered, and installedAccount will be closed at the end of the current billing period, March 31, 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

Complaint: I am rejecting this response because:WHEN DID I RECEIVE CONTRACT WITH THE TERMS OF AGREEMENT? WHAT WAS THE DATE I WAS GIVEN WRITTEN TERMS AND CONDITIONS.WAS I GIVEN A WEB ACCESS OR SENT CONTRACT? ? WHAT IS THE DATE FOR THAT?I NOTIFIED THE COMPANY WITH IN A WEEK THAT I DID NOT WANT THE SERVICE.? I TALKED TO L [redacted] AND HE REFERRED ME TO THE COMPLAINT AND CLOSURE OFFICE.I WAS NEVER ISSUED A CONTRACT OR TERMS OF THE AGREEMENTI WAS NOT EVEN AWARE OF THE COST OF THE SERVICE UNTIL I ASK MR L [redacted] ON THE PHONETHIS WAS BEFORE THE COMPANY EVEN STARTED TO CHARGE ME FOR THE SERVICETHERE WAS NOTHING FOR ME TO READ, TO DECIDE IF I WANTED THIS SERVICE Regards, G [redacted]

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, [redacted]

This matter has been successfully resolved outside of the Revdex.com.?

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 On 12/10/at 6:PM PST(after business hours) merchant downloaded our Mobile Application Credit Card Reader, and applied and completed application on 12/10/ at 6:PM PST for the services in question without speaking to a representativeMobile App requests pertinent information to be entered in prior to application submission, these steps include but are not limited to Business Name Business Location 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 applicationsApplication was signed with digital signature that has the following IP address embedded [redacted] The merchant failed to provide accurate information during their application process and also falsified their business status/location and neglected to read the terms and conditions provided during the inception of the services requestedDespite the inaccuracies of this complaint, as a courtesy we will waive the financial responsibility for the 3-year agreement and waive the termination fees of $Merchant Account Solutions would like to advise the merchant to not falsify any information for any future business decision endeavors and to always read and have a full understanding of any terms provided in order to avoid any future concerns Merchant account will be closed due to security risk and information at the end of the billing cycle 1/31/16, any fees accrued during the active state of the merchant are valid as services were requested and provided

This case has already been addressed outside of the Revdex.comMonthly service fees have been reduced as well as 66% of contact has been releasedMerchant has agreed to new month term and discounted monthly services fees

Complaint: I am rejecting this response because:So far no action was taken, my account is still open, and they refuse to give me the refund for the $transaction that they declined but still charged me a $fee for it.When I will see my account closed with no additional charges I will consider this matter done and resolved.Regards, M [redacted] ***

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 On 6/09/at 7:AM PST merchant downloaded our Mobile Application Credit Card Reader, downloaded and applied for the services in question As mentioned by D [redacted] they were presented with an offer that would indeed beat the rates presented by Square –0.39% Debit, 1.59% for basic credit cards This offer was based on the monthly volume of $10,that the merchant provided during the application process, merchant was advised savings would be significant if they processed more than $1,June monthly statement fee reflected $31.52(2.83% not 4%) for card fees for transactions $1,112.85, which was significantly less than what the merchant stated on their merchant applicationThey were not offered a refund but in turn a reduction for processing lower than volume requestedMonthly fees and credit card rates were lowered to accommodate a lower volume Ms G [redacted] complaint detail reflects conflicting information, she downloaded our app with the expectation of us being similar to a different organization, (which may be the original issue) notwithstanding, the complaint listed many details but left out a few important steps during the application process - for instance, our 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 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 applicationsApplication was signed with digital signature that has the following IP address embedded 70.*** General IP Information Top of Form IP: 70.*** Decimal: [redacted] Hostname: 246.sub-70-***-4.myvzw.com ASN: ISP: Verizon Wireless Organization: Verizon Wireless Services: None detected Type: Wireless Broadband Assignment: Dynamic IP Blacklist: Bottom of Form Geolocation Information Continent: North America Country: United States State/Region: California City: San Jose Latitude: 37.3** Longitude: -121.9** Postal Code: In closing the desired settlement requested by MsG [redacted] is to have the account closed with no early termination fees for services rendered from June Merchant 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 providedTermination fees will be waived as long merchant returns equipment listed below in good and working condition to the address listed belowOnce equipment is received the account closure may take up to days, any and all fees leading up to account closure are valid as services were requested, provided, installed and actively usedMerchant 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 EPN Readers (2) Serial Number: [redacted] Serial Number: [redacted] MAS Returns Ref#: 9/21/ Complaint I wanted to start accepting credit cards for my small business that I am startingI spoke with [redacted] *From Merchant Account SolutionsHe took my application and told me that the fee was just over 1%I don't remember the exact numberThe next day I called him back and told him I will no longer be starting the business so thanks but no thanksHe told me I signed a yr contract and I need pay a fee to cancel I said I never signed a contract and he never told me that there was a contractHe also failed to mention that there is a monthly fee as well!! I asked him why he did not tell me that information and he stated that his job is just to take the applucation! He knew there was a contract and a monthly fee and failed to mention that to me which is a total scam!!! Desired Resolution I do want this service! I want out of this contract I did not know aboutI shouldn't have to pay a termination fee or a monthly feeI haven't even activated this account so I don't understand why I should pay for something that I will never use!! I was completely mislead by [redacted] *He should have to pay the termination fee!! I want out of this contract please! Consumer Business Dialog

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11148298.The merchant makes several deliberately incorrect statements, and I stand behind my original complaintTheir fees are not disclosed (a typical billing statement charges different amounts each month as "other administrative fees" and suggests we call the company to find out what those are) and our representative clearly offered us terms of one year with no termination feeI provided MAS with proof of this--an email from the sales rep(Somehow their "termination fee" went up from $to $in their response to you!) However, I will accept their resolution to cancel our account and stop charging us ANY fees ever againThe equipment was sent via first-class USPS on March to the company at their P.OBox address, which is the only one I had, and to the attention of our sales rep, Bryan PeltoI have a USPS receipt for the transaction.Thank you for your assistance.Regards, [redacted]

Complaint: I am rejecting this response because: Merchant Account Solutions is deceitful to their Clients and should be forced to close down Regards, D [redacted] ***

Complaint: I am rejecting this response because: The contract was never sent to me until I complainedThe terms of the agreement including fine print were not disclosedWhen you bind a person in a contract they should be able to read and also sign the contract before agreeing to any of its termsI returned the equipment on 5/17/This should have stopped the service fees, but they continuedI am totally dissatisfied with the customer service of Merchant SolutionsI am extremely dissatisfied with the professionalism or Anthony Herrera Regards, G [redacted]

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 ? On 6/10/at 11:PM this merchant went into our Smartswipe Mobile Application, downloaded and applied for the services in questionAs mentioned by MsL [redacted] in the complaint detail she downloaded our app with the expectation of us being similar to a different organization, (which may be the original issue) notwithstanding, the complaint listed many details but left out a few important steps during the application process - for instance, our Smartswipe 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 The aforementioned statement made by MsL [redacted] “I went through the prompts and came to the agreement segment which I now realize was not properly disclosed” 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 referred to as the “agreement segment” by MsL***, 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.? MsL [redacted] also states that she was contacted by a representative welcoming her to use our service, this call was indeed placed not as a welcome but as the training segment of our provided services, a declination of training does not affirm a closure or cancellation of a contracted account it simply confirms that MsL [redacted] did not complete the training portion, the account is still active and is able to be utilized at any given time In closing the desired settlement requested by MsL [redacted] is to have the account closed with no early termination fee, cease withdrawal of payments due and refund $for services rendered for the month of July Merchant 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 offered (as a concession toward resolution) to cancel the binding contract with no early termination fees and cease withdrawal of payments, this offer was declined by MsL***, the only option we have left is to agree with MsL***’s demands and refund the $as an act of good faith with the hope of building better business relationships with past and future clientsMerchant Account Solutions agrees with the request and considers this matter closed once funds are able to be refundedPlease allow 15-days for refund to be posted to the merchant financial institution.?

Complaint: I am rejecting this response because:It is the responsibility of the business to let me know that I am requI red to sign a contractAll he told me is that I need to check a box to confirm that my informatuon was accurateNot once did he say that I am obligated to sign a contractWhen I signed up for Direct TV, they told me I needed to sign a mon the contractThat was the first thing the rep told meWhen I signed up with Verizon the first thing the rep told me was that I had to sign a year contarctAny respectable business that is not trying to run a scam will tell you thatMaybe your business records conversations? Listen to mine a d you will see that I was misleadI should not and will not pay a termination feeAll of needs to be waived Regards, [redacted] 8/31/ Complaint The following is about Merchant account solutions I have come across some bad business practices and misleading advertisements from the company stating " no cancellation Fees or service fees" when I had applied on the app with my iphone I wanted to test there service and said on the app that to deposit money I would need a routing number inserted that it would not be charged and only used for depositsI have found out on 8/6/the company was charging me $for two months once on 07/3/and again on 08/03/I immediately contacted my bank when I woke up today and tried to have the problem resolved with a representative from Bank of america on the line with meI told him the problem I was having that I did not authorize and charges and did not know I was going to be charged any kind of service fee that these terms were not disclosed to me during sign up for the app or during the numerous phone calls with the company I spoke to a "R [redacted] sanchez'' with merchant account solutions during the first phone call I was under the impression that this was square account card processing services I had told r [redacted] I already have a square reader that I just needed a new one as mine was messing up I was waiting for a call back from square account about this and thought this was it.R [redacted] told me that I would need a new card reader and that it was completely free of charge and would send it in the mail.Once the reader was received I realized it was not square reader but another company and disregarded the items in the envelope about two months agoI asked for a refund on the phone with the BOA repand was told that the service fees of are non refundable and was told that I agreed to a year contract with them which I never agreed to and was never once told about the terms of there billing or cancellation over the phone or by email not until I wanted to cancel the service they signed me up for without my authorization or permission at which im told im going to now be charged $to can Desired Resolution I want a refund for the two charges of $USD for a total of refunded to my bank account.And I want the cancellation fee to be waived and for them to not report me to collections for $as I was told they would charge my account $if I break the year contract and that they would report me to collections if I did not pay them.This Company should be watched very closely as to how they practice there business these people should be held accountable for there fraudulent actions Consumer Business Dialog

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 applicationsApplication was signed with digital signature that has the following IP address embedded General IP Information IP: ###.###.##.### Decimal: 29*** Hostname: h[redacted] .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