Wengerd Construction

Proper closing procedures were not requested in June, nor any communications placed to our company until September 16, Merchant has provided conflicting information In closing the desired settlement requested by MsL [redacted] is to have the account closed with no early termination fees for services rendered from June and all fees refunded from inceptionMerchant 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 accrued during the active state valid as services were requested, provided, and installedAccount will be closed at the end of the billing cycle (9/30/15) and no refunds will be issuedMerchant 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

After reviewing this merchants account, we unfortunately cannot assist the merchant with some of their concerns as they are not the account holder/principalWe gathered the following info to assist with clarification however merchant desired resolution will not be granted MrFernandez applied for service for his business on April 13th, and has been actively processing from the inception of the account, this account is good standing and has an agreement in placeThe second account was applied later the in the month of April by a different business owner with different informationIn no way shape of form did we make a mistake and create accounts with completely different information MrFernandez 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 informationWe will advise the following: This account has been closed with no termination fee on the end of February’s billing cycle

In response to this merchants complaint, details provided by MrB [redacted] reflect conflicting and 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/at 9:AM PST merchant downloaded our Mobile Application Credit Card Reader, unsolicited and applied and completed application on 6/1/at 11:AM 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 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. 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, 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: [redacted] Hostname: 107-138-218-134.lightspeed.miamfl.sbcglobal.net ASN: 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: Proof of DeliveryTracking Number: 1ZR078W [redacted] 27Service: UPS GroundWeight: lbShipped/Billed On: 06/03/2015Delivered On: 06/10/7:P.M.Delivered To: COCONUT CREEK, FL, USSigned By: S*Left At: Residential Merchant’s exaggeration of extortion, harassment and alleged threats is downright 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 accountsIt is unfortunate that a merchant must make accusations and provide conflicting information in order to achieve a desired resolutions In closing, the desired settlement requested by MrB [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 month contract and cover their Termination fees of $as long as the equipment provided is returned to the address listed belowANY fees accumulated during the active state and leading up to equipment being received for closure are valid as merchant has used the services providedIn 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 [redacted] MAS Returns Reference number:

Complaint:
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 websiteAfter researching your mobile app I found the terms an conditionsThey 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 $if terminated before completion of the first year of the term or $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) $if terminated before completion of
the first year of the Term; or (ii) $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 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 UserBy 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 conditionsI 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 aboutThis is not a case of buyers remorse, this is more of a deliberate misinterpretation, miscommunication and shady business practiceI have shipped your equipment via fedex and the tracking number attached to this response
Regards,
*** ***

Complaint:
I am rejecting this response because:The agent that helped was not clear when I asked him what the fees wereHe did not mention the monthly fee or the contactHe also did not tell me that I was agreeing to a contract when I was filling out the application And when I
asked him when I found out there was a contract, I asked why he didn't tell meHis response was that it's not his job to let me know there is a contractAll he has to do I'd get me to fill out the applicationI have done some research and I have learned through online reviews that this company does this alotThey suckered people into filling out the app not knowing it's a contractI shouldn't have to pay for anything I haven't used! I didn't even activate my account
Regards,
*** ***

Complaint:
I am rejecting this response because: Although I have now been contacted almost daily by Merchant account solutions where I could not get a response when I was trying to get my issue resolved, they've
assured me they would refund the money that was taken out of my accountHowever, I will not consider the matter resolved until I see the money back in my bank accountAlso I had to pay a $stop payment fee to stop this company from taking any more money out of my accountI would like this to be reimbursed in addition to what was taken out fraudulentlyThe company stated that there was a "miscommunication" even though I told the man that kept calling me I was not interested in using their companyI could not have said it any plainer but they deducted my money anyway without my consent
Regards,
D*** ***

On 7/28/at 4:PM PST merchant downloaded our Mobile Application Smartswipe, and applied and completed application on 7/28/at 4:pm PST for the services in question without speaking with a representativeMobile 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 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 98.116.107.226.Different agreements are based on the program selected, merchant selected to process via their mobile devices and were provided with the terms for service requestedServices were requested, provided, installed and actively usedThe larger portion of the termination fee has already been waived, merchant is responsible for second portion of termination fees as they did agree to services just neglected to read terms provided during initial application periodOnce equipment is received account will be closed with in business days, any fees leading up to termination are valid. Please be sure to read and have a full understanding of any terms and conditions in the future before blindly agreeing to services being requested and then experiencing buyers remorse as this costs the company that is being accused for providing a service that was indeed requested

In order to address
this merchant concerns we have reviewed their account notations, communications
and agreement
Merchant download our
Mobile Application Credit Card Reader 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 signed with the following IP address embedded 108.***
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 only 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
Hodencamp Dr #
Thousand Oaks, CA

Our billing reflects account closure and zero billing for the month of Marchplease let us know if you receive any billing in April once again we will bill back not forward. as previously advised...After reviewing account notations, merchant account was closed February 22, per our procedures after receiving the equipment on February 10, Merchant was billed for the month of February since account was active for the first daysMerchant has not accrued any March billing, fees charged in the beginning of the month of March are for the previous month (February) we bill back not forward

Complaint:
Hello I accept your solution to provide me with a refund of $ and am currently awaiting refund to my bank account no refund of any kind has posted so far, when can I expect to receive my refund? and how will I be receiving this refund? Once refund is received I agree to close this complaint and will seek no further action against this company, M*** **
Regards,
M*** ***
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On June 8, merchant submitted the case below and was advised to return equipment and termination fees will be waived(See text in RED below)Equipment was received via USPS 9***on June 16th and was processed for closure on June 26th with no termination feesAny fees accrued for the month of June are valid as again per previous response "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"To summarize equipment has been received and account has been closed with no termination fees ($645) and 96% of financial responsibility of a year agreement have been releasedNo refunds will be processed as services were requested, provided, installed and used. Complaint Detail I recently downloaded an app on my phone to use a card swiperIt wasn't anything that I desperately needed I just thought it would be nice to havethe app that I downloaded was called Smart SwipeThe application asked me to provide my information so that it would be possible for me to hook up the swiper and make transactions to my bank accountshortly after setting up the application I received a call from merchant solutionsthey told me that they took care of smart swipe and they asked me if I had downloaded the smart swipe app and if I was ready to use it and of course I replied yes and asked how much it would cost to make a transaction they told me that it was a 2% fee to processafter weeks I received another swiper in the mail and a piece of metal with my business name and my address on iti was not sure why I had received the equipment because I already had the desired equipmentafter a month of Merchant Account Solutions having my information they sent me bill that they had charged my bank account with a fee of after seeing the bill I was in shocknote: (I had not yet made a transaction using the smart swipe)i called Merchant Account Solutions and they proceeded to tell me that I owed them a monthly fee if I used it or notWhen I put my information in the app I signed absolutely nothing that agreed to a monthly feeAfter deciding that the best thing to do would be to just shut my account off I was told by the deactivation manager that in order for me to deactivate my account I owed them dollars for ending my contract early when I did not sign up for onei have never signed anything from this business and if a box was checked while setting up the app I was not aware of what they were doingi could understand a fee if the product was being used but I have not used it for anythingi asked if they would please waive the fee for I did not need there services and I was told they would notProduct_Or_Service: card swiperDesired Settlement DesiredSettlementID: Refund I wish to be refunded 100% for what the company has charged meI have not used the Card swiper or any other services through Merchant Account Solutions and I also wish to deactivate my account and remove me from any contract I'm in with NO CHARGEI also want my information kept private and not sold.Desired Settlement: Other (requires explanation) Consumer Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10662358, and find that this resolution is satisfactory to meThe merchandise listed has been shipped with a usps tracking number 9***and is expected to arrive on Tuesday June 16th.Regards, C*** *** ***BusinessDate Sent: 6/10/1:57:PMAfter reviewing merchant account notations and agreement Merchant downloaded and installed our mobile application Smartswipe on March 22, 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 AgreementWithin 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 retainMerchant 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 and had not spoken to any representativeMerchant Processing Agreement was approved and issued an account number and Shuttle credit card reader SN: 502***On March 25th, one of our in house technician reached out to the merchant to provide Smartswipe logins and to assist with installation and merchant complete a $test transactionMerchant 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 conditionsAs 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

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,
*** ***

Complaint:
I am rejecting this response because:I was
waiting to hear back from the company because I have yet to receive the card swiperSo basically its ok for customer service reps to lieNow I have to pay $a month for a year for a companyand I have yet to receive the card swiper and the contract that I supposed signed initially.
Regards,
J*** ***

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

This has been successfully resolved outside of the Revdex.com

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, ** ** Operations Manager

Clarence wengard was hired with half down double digits of money worked for a couple of weeks then disappearedWould not answer his phone** ** *** *** ** *** ** *** *** *** *** *** *** *** Google his name research him ** ** *** * *** ***

This case has been addressed outside of the Revdex.com, Fees have been lowered by 50% and 66% of financial liability of the month contract has been releasedyear agreement scheduled to end on February 25, Merchant agreement has been provided to the merchant

Complaint:
I am rejecting this response because: The business's response is inaccurate The following is what transpired in this matter: On 10/21/2015, we contacted the business by phone to close our account with the business We were instructed to fax the closure request form and to return the equipment The form was faxed to the business on 10/21/2015, the equipment was packed along with a second copy of the closure form and was picked up by USPS on 10/22/ Now, it takes about five minutes, tops, to receive a one page fax The equipment, with the closure form in the box, was delivered to the business on 10/24/2015, verifiable by tracking number *** *** *** *** *** **, So, the business's statement that they did not receive the form until 10/27/without the equipment is totally inaccurate They received a copy of the form on 10/21/by fax and another copy along with the equipment on 10/24/ We can supply paper work to verify this statement if necessary We should not have been billed for anything in the month of November We are due a refund
Regards,
R*** ***
MESSAGE FROM BUSINESS:Merchant failed to complete proper closing proceduresMerchant was advised to return both equipment and closure request form togetherClosure form was received on October 27, with out equipment Equipment was then received and sent for testing in NovemberAny fees accumulated during the active state of the merchant account whether transaction have been run or not are valid, merchant still had service availableAccounts has been closed and no other fees have bee accrued, no refunds due for service rendered

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11435437, and find that this resolution is satisfactory to me
Regards,
D*** ***