Wengerd Construction

Complaint: 10660737
I am rejecting this response because :  I do accept most of their terms, however, since I feel they kept charging my account even after I had called them multiple times to dispute the first charge and they refuse to even reimburse the second charge when they knew I was not happy after the first charge, I refuse to pay more money to send the equipment back.  It has not even been opened, so if they would send a call tag I will gladly return the equipment so that they can cancel my service.  Any reputable company would allow the cancellation of a service when someone is not happy after trying the service out.  In the end, all I want is the service cancelled without putting out any more money.
Regards,
L[redacted]

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

After reviewing merchant account notations and agreement Merchant downloaded and installed our mobile application Smartswipe on March 22, 2015. After downloading and installing mobile application which states in order to use Smartswipe application you must apply for a merchant account and directs...

them to our Merchant Processing Agreement. Within that agreement any and all service fees, terms and conditions  were available for the merchant to read through, agree to and email PDF copies to retain. Merchant proceeded to enter all of their business information and business owners information and agreed to the terms via digital signature embedded with their IP Address **.[redacted]132.250 and had not spoken to any representative. Merchant Processing Agreement was approved and issued an account number and Shuttle credit card reader SN: 50[redacted]68. On March 25th, 2015 one of our in house technician reached out to the merchant to provide Smartswipe logins and to assist with installation and merchant complete a $0.03 test transaction. Merchant never inquired about pricing or to have agreement explained with any representative, as a company we received a completed agreement which stated merchant understood pricing that was listed. As a courtesy to the merchant we can terminate the merchant agreement without penalties as long as merchant returns equipment(listed above) to the address below in good and working conditions. As far as monthly service fees already billed, merchant requested service to process credit cards for their business and was provided with service to do so and installed equipment, fees are valid.  Per our Privacy Policy and Card Network Policy no merchant information will be shared or sold outside of our company and its affiliates.MAS Returns

In order to resolve your complaint, we have agreed to close your account without a termination fee. Your account was closed on 10/26/2016.

In order to assist with this merchant concerns we have reviewed accounts notations and agreement. Merchant was provided proper closing procedures on July 15, 2015. Which included all the correct paper work and return address for equipment. Merchant neglected to follow the procedures provided...

and only completed half of the procedures that were highlighted in the email with the procedures. Merchant was advised on numerous occasions that the email provided with the procedures needed to completed in order to process closure. Merchant neglect to complete procedures is not Merchant Account Solutions responsibility.  Unfortunately merchant's desired resolutions cannot be granted, there is a signed 36 month agreement on file that is available upon request to the merchant ###-###-####. All fees and termination fees are valid per merchant agreement. Account was closed on December 4th, 2015 after receiving equipment along with closure form as requested in the closing procedures. Account is scheduled to be billed their termination fees with the next 30 business days.

Proper closing procedures were not requested in June, nor any communications placed to our company until September 16, 2015. Merchant has provided conflicting information . In closing the desired settlement requested by Ms. L[redacted] is to have the account closed with no early termination fees for services rendered from June 2015 and all fees refunded from inception. 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 provided. Any and all fees accrued during the active state valid as services were requested, provided, and installed. Account will be closed at the end of the billing cycle (9/30/15) and no refunds will be issued. 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 11893170, and find that this resolution is satisfactory to me.
Regards,
T[redacted]
The description of the signing process from company is totally different from what actually happened. Those pages of fine printed terms were never shown or read to me when I was applying for the service. (How could they read all those pages of tiny fine prints to me?) Plus, the equipment I thought I was applying for was not what was given to me. There was no three year term read out to me. I was told there was a verbal agreement but the company refused to release that. They only sent me a draft copy of the said written agreement which they said I had with them. I do not remember signing anything. Perhaps the verbal agreement would have shown the truth of the matter if they had released that to me.  Although it is true that I used the equipment immediately I got it, I started complaining right after the first use when I realized that the terms were not what I had agreed to. I immediately wanted to cancel but I was threatened with a hefty cancellation fee. I never used the equipment after that first and only use in August 2015. Since then I had been demanding to be left off the hook, while they continued making monthly deductions from my credit card, until I returned the equipment and complained to the Revdex.com which made them drop the early termination fee. In spite of all this, I am willing to drop the case and accept the settlement. I will not recommend this company to anyone. Further, I would advise all future prospective clients of Merchant Account Solutions to be cognizant of the terms of the contract before they start using their services. Also, they should demand to see their verbal and written contracts of the terms they have signed to and are operating under.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10950903, and find that this resolution is satisfactory to me.I mailed back the equipment yesterday and suppose I will get a response from them about the closing of the account after they receive it. Thank you for the quick resolve to this matter!  
Regards,
B[redacted]

This case had already been addressed #10829042Merchant has failed to complete the procedures they were advised to do. Merchant has neglected to return the equipment in good and working condition in order to proceed with account closure with no termination fees. As previously advised ANY and ALL fees...

leading up to termination all valid as again services were requested, installed and actively used. Please return the equipment provided ASAP in order to complete merchant desired resolution. Merchant Account Solutions is not responsible for merchants lack of not completing terms that have been provided once again. Also the screen shot provided in the first case reflects the terms and conditions the merchant neglected to read and understand were provided from inception of account. Once again 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, it is unfortunate that we again are being held accountable for the merchant mistakes and lack taking ownership of their business decisions. Merchant must pay any fees accumulated during the active state of the merchant account they requested. Fees will not be waived or refunded, more than 60 percent of the financial responsibility of a 36 month contract and $645.00 of termination fees which cover licensing fees, account maintenance fees, activation fees are being cover by our company as a courtesy for the merchant misunderstanding the terms they agreed to and signed. Complaint Detail Last Januray or February 2015, I wanted to start a Mary Kay business and thus I researched some credit card swipe services, and I saw on apple that Merchant Account Solutions have good reviews so I downloaded it, and read the contract and agreed. It says that the credit card reader is even free and the service is free. There was a representative who called me and said "oh I need to teach you to this but can you give me a debit card just to test that it works and he even said YOU WILL NOT BE CHARGED FOR THIS. So I really thought they were just testing if the machine works so I gave my information. I never pursued selling Mary kay this I called them that I dont needs this service anymore. Months after months, I keep getting fees and they said I agreed to it. But I never did. And to close it they want me to pay $545 which was never wriitten on the contract. You can try and download the app and it doesnt sah there. I am not stupid and if I know there are fees, I will not use this app.Desired Settlement Refund all the fees they charged me.Close my accountAnd not charge $545 which was never stated.This is a very bad businessDesired Settlement: Refund ConsumerDate Sent: 10/2/2015 2:44:54 PM[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10829042, and find that this resolution is satisfactory to me. Regards, M[redacted]BusinessDate Sent: 10/2/2015 1:32:42 PMIn order to address this merchant concerns we have reviewed their account notations, communications and agreements.On 03/2/15 at 7:42 AM PST merchant downloaded our Mobile Application Smartswipe, and applied and completed application on 3/2/15 at 7:49 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 NameFederal Tax ID #Social Security Number Expected Processing Volume Checking Account Number Bank Routing NumberOur 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 that has the following IP address embedded 98.210.45.213.. General IP InformationIP:       98.[redacted].45.213Decimal:         165[redacted]461Hostname:      c-98-[redacted]-45-213.hsd1.ca.comcast.netASN:   7922ISP:     Comcast CableOrganization:  Comcast CableServices:         None detectedType:   BroadbandAssignment:   Dynamic IPBlacklist:        Blacklist CheckGeolocation InformationContinent:       North AmericaCountry:          United States us flagState/Region:  CaliforniaCity:    Rohnert ParkPostal Code:   94928Installation of Smartswipe Mobile App with a test transition of $0.03 was completed on March 23, 2015. Services were requested, provided, installed and used. In closing the desired settlement requested is to have the account closed with no early termination fees and all fees refunded. 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 provided any and all fees leading up to account closure are valid as services were requested, provided, installed and used. No refunds will be processed for monthly services during active state of account as it was in use. Termination fees will be waived as long as the equipment provided is returned in good and working condition to the address listed below. 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.Smarswipe Shuttle Serial Number: 433[redacted]916MAS ReturnsRef# 61129

Complaint: 10998115
I am rejecting this response because:There response is not true. I did receive an email from [redacted] H[redacted], from Merchant Services, with initial info to close the account. In the topic line, it said "Merchant Account Solutions/Early Termination Fee $545. But, nowhere in the text of the email did it explain the termination fee.On 7/15/15, I emailed Mr. H[redacted] to ask if I was getting an early termination fee, before I proceeded with the paperwork.No response from Mr. H[redacted], so I emailed again on 7/24/15 with the same question.No response again from Mr. H[redacted], so I emailed again on 8/18/15 with the same question.No response again. so on 10/1/15 I faxed the closure paperwork, including my emails with Mr. H[redacted] (showing no response from him), and I explained that I was trying to get info on the termination fee, and to get the account closed. The form that is to be faxed to Merchant Services to close the account, clearly states "This request will not be effective until the required documents are provided and approved." So, I was waiting to here back from Merchant Services for an approval to proceed with the return of the equipment. Still no response from the company. On 11/2/15, I emailed Mr. H[redacted] again asking for help. I stated that I would have to go to the Revdex.com if I did not get a response from Merchant Services. And, to my surprise, he finally emailed me back, stating that my emails went to his junk mail. It was not until I mentioned the Revdex.com that he somehow saw my email. He stated that I would get an early termination fee, and to send the terminal back, as stated in the original email. I sent it right away.No response from the company again. But, I continued to get monthly and annual fees charged.On 12/13/15, I emailed Mr. H[redacted] giving him the tracking info on the returned terminal and stating that I wanted my account closed.No response from Mr. H[redacted], so I was finally forced to make a claim with the Revdex.com.I have all of my documentation (emails, faxed documents, return tracking number), in which I can provide.I feel that Merchant Services failed entirely in responding to my questions. I was completely ignored. I just wanted to find out if I was getting an early termination fee before sending the terminal back. I wanted to also know when the termination fee would no longer be valid, as it may have been beneficial to keep the terminal until it expired. But, I could not even get an answer on this. Merchant Services also stated that I was given direction numerous times on how to return the terminal. This is not true. There was the initial email with the closure form, and that was it. But, it still did not answer my questions about the termination fee. If they have documentation stating otherwise, I ask them to provide it.I feel that it is quite fair for Merchant Services to avoid the termination fee. I have paid plenty in monthly and yearly fees to cover that expense, while I continued to wait for a response from the company about the closure of my account. I have been very patient with this company, and they should be fair in their practices - which they are not being reasonable at this point.
Regards,
T[redacted]

Complaint: 10821696
I am rejecting this response because: at first the business claims that there are different service levels and/or contracts  specific to the type of card terminal you need. Also, I find that strange because there are none on your mobile app or your website. After researching your mobile app I found the terms an conditions. They never explain  iPayments inc charges for card processing nor do the explain what that company is, and upon examining it further I found that your termination fee EQUAL TO $350 if terminated before completion of the first year of the term or $250 if terminated after. "Merchant is approved, any cancellation by You of
this Agreement within three (3) years from the date of approval or is
terminated by Servicers due to an Event of Default by Merchant, will be subject
to the applicable early termination fees and Merchant will be charged a fee for
such early termination equal to (i) $350.00 if terminated before completion of
the first year of the Term; or (ii) $250.00 if terminated after completion of
the first year of the Term but prior to the end of the third year of the Term
(See Section 22.1 of the Agreement "  But in one of your responses you say I am to pay a different larger amount BUT your agreement also states "Your use of this Website is authorized only if
you have obtained a password that allows access to you as a User. By clicking
the "Accept" button the first time you access this Website and by
continuing to access and use this Website thereafter you are confirming (1)
that you have read, understand and accept the terms and conditions of this
Agreement in full and (2) that you have the legal authority and capacity to
enter into this Agreement and be bound thereby on an ongoing basis on behalf of
the User." I NEVER used your services nor did I or anyone in my business accessed your website.  So I am not confirming your terms and conditions. I tried to return your equipment on or around 8/3/15 after installation as your business sent me both a mobile card processer and a stationary processer which happen.  AND another company charged me fees in which I knew nothing about. This is not a case of buyers remorse, this is more of a deliberate misinterpretation, miscommunication and shady business practice. I have shipped your equipment via fedex and the tracking number attached to this response.
Regards,
[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
6/09/2015 at 7:39 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 $10,000 that the merchant
provided during the application process, merchant was advised savings would be
significant if they processed more than $1,500. 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
application. They were not offered a refund but in turn a reduction for
processing lower than volume requested. Monthly 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 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 that has the following IP address embedded
70.[redacted]4.246
General IP Information
Top of Form


IP:


70.[redacted].4.246




Decimal:


[redacted]4




Hostname:


246.sub-70-[redacted]-4.myvzw.com




ASN:


22394




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**9  




Longitude:


-121.9**4  




Postal Code:


95126
In
closing the desired settlement requested by Ms. G[redacted] is to have the account
closed with no early termination fees for services rendered from June 2015.
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 provided. Termination fees will be waived as long merchant returns
equipment listed below in good and working condition to the address listed
below. Once equipment is received the account closure may take up to 30 days, any and all fees leading up to account closure are valid as services were
requested, provided, installed and actively used. 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.
EPN
Readers (2)
Serial Number: 3[redacted]
Serial Number: 3[redacted]
MAS
Returns
Ref#: 01251







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