Wholesale Merchant Processing Inc

Complaint: ***I am rejecting MrF* response because:
WMP did not live up to the agreement I signed in May of to provide a VXmachine and they admit so, again, in paragraph of the Revdex.com reply to my complaint
It is not my problem that WMP did not have the software to process/make the VXperform up to the agreement I signedAfter months of stalling by WMP and finally they admit they could not perform EMV as "Wholesale Merchant Processing" supports my complaint of non-performance and voiding my agreement with WMP with no obligation to pay any early termination fee of $1288.00.
After this experience, I would not feel comfortable or obligated by any means to sign any agreement with their new company Smart Choice Payments
Sincerely,
*** ***
*** *** *** *** ***
Sincerely,*** ***

Re: Better Business Complaint ***
I am in receipt of the Revdex.com complaint you posted, referenced above, and I amresponding on behalf of Wholesale Merchant Processing, IncThank you for yourcomments and returning the VXterminal
In 2014, we contacted you to communicate that the unit
that was originallyshipped to you in essentially had became obsolete and non-PCIDSS compliant.The Payment Card Industry Data Security Standard (PCI DSS) is a proprietaryinformation security standard for organizations that handle branded credit cards fromthe major card schemes including Visa, MasterCard, American Express, Discover, andJCBThe PCI Standard is mandated by the card brands and administered by thePayment Card Industry Security Standards CouncilThe standard was created toincrease controls around cardholder data to reduce credit card fraudWe shipped you aPCIDSS compliant VXin
The EMV compliance (chip reading capability) was not mandated at that time in 2014.EMV compliance was not a lawIt was the credit card companies rulesBeginningOctober 1, 2015, they shifted liability for fraudulent transactions from credit cardcompanies to merchants under some circumstances when EMV capable equipment isinvolved in the transactionArticles suggest that studies estimate that only 30% of allmerchants in the U.Sare currently in compliance with these rulesThat is becausemost merchants face little possibility of credit card fraud when compared to the cost ofcomplianceYou were concerned about the new compliance rules and wanted to makesure your equipment was EMV compatibleThe VXyou received was designed toprocess transactions using EMV cardsIt had the physical features for EMV capability.However the processor, in had not completing the updated EMV software fordownloadThis is much like the annoying, but necessary, updates we all get for ourcomputers from our operating system manufacturersBy 2015, the target date keptbeing moved outWMP simply told you what they were telling usThe download wouldbe available in approximately daysWe ended up contracting with a differentprocessing company that had EMV compliant software ready and started a newcompany, Smart Choice PaymentsAll new customers were signed up with our thiscompanyIn order to make EMV available to you, a salesperson contacted you andoffered to sign you up with Smart Choice PaymentsYou refused this option andinstead cancelled your WMP contractI have written to you and explained what thesefees were and where in the contract(s) they are provided previously
As I suggested in my previous letter, if you were to choose to continue to process,perhaps with a month to month arrangement with us, the company would be willing toforgo all early termination fees upon signing a new agreement with Smart ChoicePayments
Sincerely,Frank F*Legal DepartmentSmart Choice PaymentsSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext* ***[email protected]

Your Revdex.com complaint, #*** regarding Wholesale Merchant Processing (now known as Smart Choice Payments). On March 20, you signed a Merchant Application agreement personally guarantying to fully perform all obligations under the contract. You also signed a Merchant Receipt Form
which stated, just above your signature that you had received a copy of the Placement Agreement terms and conditionsThe Placement Agreement states under item Termination it states: "Upon any termination WMP shall have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, File Build Fee, Programming Fee and Installation Fee Merchant also agrees to pay any collection costs or attorney's fees associated with any amount due to WMP or its assigns." You were billed $for these previously waived feesWe attempted to collect those fees, but your account did not have a sufficient balance and was rejected Therefore, the matter was sent to a collection agency When the customer service personnel told you no further fees would be collected, he was addressing monthly fees for service You did follow instructions and returned the loaned equipment, so you were not billed for that In addition, being a month to month user, you were not billed an early termination fee ($395.00) It is your duty to read contracts thoroughly before signing them Failure to read the contracts does not excuse you from incurring costs provided for in the terms and conditions of the agreement It is not in the customs and practices of WMP to waive all fees under the contract We do sometimes waive fees to assist merchants in obtaining service and collect those fees upon termination as provided for under the contractWMP would like to end this business relationship amicably To that end, please bring your account current

Hello, I am the person tasked with responding to Revdex.com complaints on behalf of Smart Choice Payments. Unfortunately, I have been away from the office since March 23rd. I will return on Monday March 28th and will review your account and reply fully at that time. Thank you for your
comments. They help us in our quest to constantly improve customer service

Wholesale Merchants has gotten ahold of me about our case , they have a settlement they offered me and I have agreedI need to close the case with you stating we have come to a good agreement They also sent you a copy of the letterI have a day window to resolve this I am happy
with the settlement case # *** Thank you so much for your help They will send me a settlement when we have the complaints settled in my favor and case closed

Wholesale Merchant Processing recently performed an audit of accounts where the contract was terminated early before the term of the agreement was realized and fees were not previously billed The early termination fee that you cite appears on the Merchant Application You are correct that the early termination fee was eliminated and the $early termination has not been collected On the bottom of the Merchant Recept Form, just above your signature the form state: "By signing below you represent and agree that (1) The information in and accompanying this for is complete and correct; (2) you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement, and (3) you are authorized as an officer, partner, manager or owner to submit to this form and to bind the Merchant to this Placement Agreement."
The Placement Agreement states at item 4, Effect of Termination: "Upon any termination WMP shall also have the right to collect from Merchant any fees that were waived including, but not limited to the Application Fee, File Build Fee, Programming Fee and Installation Fee."
In practice, WMP only collects these previously waived fees in the case of early termination Accordingly, you were charged for the Application Fee of $99.00; File Build Fee of $99.00; the Programming Fee of $495.00; and the Installation Fee of $that appear on the Merchant Receipt Form you signed were previously waived when you began processing also became applicable upon early termination for a total of $
You are a sophisticated business owner who entered into a commercial contract on behalf of the business indicating a meeting of the minds It is your duty to read contracts in their entirety before signing them Failure to read the contracts before signing does not relinquish you from the costs incurred due to early termination
A customer person, according to the notes of your account, spoke to someone by telephone and told them that the refund had been overruled The customer service person incorrectly stated that he spoke to a spouse WMP apologizes for that assumption The person named on the account is *** *** so that may be what caused the confusion

...I am not an attorneyI am a legal assistant in the legal department on behalf of Wholesale Merchant Processing
This customer did not shut down their account correctly as per their agreement and contact with us, which they signed and have a copy ofSince this customer did not shut down account
properly with us, his account was charge fees that are stated on their contractSince than the customer has shut down properlyWe have reimbursed some of those feesWhen this deal was worked out the account was closed and both customer and our company are settled and satisfied

Wholesale Merchants has gotten ahold of me about our case , they have a settlement they offered me and I have agreedI need to close the case with you stating we have come to a good agreement They also sent you a copy of the letterI have a day window to resolve this I am happy
with the settlement case # *** Thank you so much for your help They will send me a settlement when we have the complaints settled in my favor and case closed

Dear Mr*** and All Concerned Parties:
As of today, November 25, 2015, Wholesale Merchant Processing motions to close out Mr***'s account with WMPIf Mr*** complies, WMP believes this matter will be fully resolvedWMP is mindful of the need to accommodate for the demands of the clientAs a company that thrives only due to its customers’ satisfaction, Wholesale Merchant Processing often meets its customers' petitions for service changes, contract modifications, and other requests without owing any fiscal or legal obligationIn this particular scenario, WMP has reached out to the merchant and will be in regular contact within the upcoming week to ensure that the cancellation of Mr***'s account will go as smoothly as possible
We understand the desire for indemnity and hope to assist to the best of our ability and resources in finding a way to alleviate the situation. Here at WMP, we strongly prefer a mutually beneficial conclusion to this business matterWe regret having to end our professional contract with Mr***, but WMP fully understands the nature of a free market and that industry thrives on always putting the consumer’s and client’s preferences as first priorityWe hope that in the spirit of good faith and business practice, that this will be considered a congenial end to our transaction correspondence
Finally, WMP would like to thank Mr*** for bringing account issues to our attentionWe highly value customer feedback as it helps us progress and grow as a companyMr*** may feel free to contact me directly at *** or call my office phone at (888) 381-extension *** with any further questions or concerns
Best Regards,
Anna P***, PR Administrator at Wholesale Merchant Processing

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

Dear Wholesale Merchant Processing/Todd M***:
We received a letter from MrFrank F* on your behalf in response to our Revdex.com complaint
I appreciate you agreeing that no fees (other than an early termination fee) were ever waived or stipulated in our Merchant Application and receipt forms, and that without notification you charged us with $1,fees, including, according to the invoice an “Early Termination Fee” of $495, where it was elsewhere stipulated to be $The problem here is not just a minor bookkeeping matter, however, because as a formerly trusted business partner with access to our account you attempted to forcibly withdraw money for fees we never incurred nor that we ever owed nor had “waived,” in addition to an “Early Termination Fee” of $Very fortunately we called to confirm the stipulated cancellation procedure (which is unnecessarily complicated) and found out that our account had been closed at some unknown point in time and that our account had been “charged” $1,in never heard of (to us) feesThen we looked up your business online and saw dozens of complaints up to years old where you had taken large (to us) amounts of money from trusting and unsuspecting people’s accounts without notification even after some were led to believe that they had a paid in full balance with your companyOther small businesses, like ours, who do business with you based (as in our case) on the recommendation of friends and family, who at the time of the recommendation were not aware of your practices when trying to end the merchant processing relationship, have simply had their money taken automatically, without notification, from their account, to which you have access as a merchant processor, and then may have had some returned after a lengthy process where they were at a disadvantage, during which time you have complete use of their funds without interestRealizing that we were in danger, we are a small business that works on tiny margins, we were fortunate to close our account before the charge that you were trying to make without notification went through
Now you are trying to charge us $for equipment that we returned to you in a timely fashion based on our knowledge of the cancellation of our merchant processing agreement on your part that we were not notified of and a $“Early Termination Fee”, since you were thwarted in taking a $“Early Termination Fee”
Here is my reasoning:
1. The equipment was mailed to your office on July 2, but refused by your staff twice on July and Here is the USPS tracking message:
Your item was refused by the addressee at 1:pm on July 12, in BEAVERTON, OR and is being returned to the sender
In your response you indicated that the equipment was not returned in a timely fashion and therefore we were charged for itLet me remind you that WMP canceled our account without any notification, so we were put in a position where it was impossible to return the equipment by some arbitrary “timely fashion,” besides we were in the middle of a scheduled trip to Colorado when we accidently found out that you had already cancelled our account, so we returned it as soon as we possibly couldHow can we return it in some arbitrary “timely fashion” since we were not even aware you had cancelled the account? I emailed WMP on June trying to initiate the procedure for terminating our contract by its due date when I found that you have canceled our accountI was out of town for another week and as soon as I came home I mailed the equipment
If you put a value of $to this equipment, which by the way you have not “supported” for the last approximately years when we’ve had to call regarding issues, why would you refuse to accept it when it was mailed to your door? Is this clause in the agreement simply there to make it impossible for us to return it so it can provide a profit of $for WMP?
(the current retail should be nearly zero anyway)
We have not terminated the agreement and we should not be charged $Early termination fee. With only months left till the end of our agreement WMP has maliciously and without notification closed our account so they can collect all possible fees vaguely scattered in the page Terms and Conditions document in a deliberately unclear and confusing language
In conclusion, it is obvious that WMP have intentionally made the MRF, the Terms and Conditions and Placement Agreement impossible to decipher by a customer and in such a way that WMP can take advantage of their customers by using one or the other to WMP’s advantage When I tried to cancel the contract after years of service, WMP revealed for the *** time the Placement Agreement, forcing me to renew for additional years, while the Processing Terms and Conditions indicate only year renewal, not two
In addition WMP attempted to charge my account for $1,without any prior notice or due date
I am also aware of dozens other costumers who have either finished their agreement or paid their early termination fee, yet WMP has later charged their *** account for additional fees without any notification
MrTodd M***,
MrF* may call me a sophisticated business owner, but I did not have a legal council when I entered this agreement. Your costumers are small business owners who cannot afford a legal council for such a routine practice as signing an agreement with a merchant company. However, after reading through the numerous pages of the various documents which you say constitute our agreement I see a language that is impossible to interpret consistently and a significant discrepancy between the or documentsFor the sake of rebuilding your company’s reputation (WMP, Smart Choice Payments, etc.) and making things right, your only way out is accepting your equipment back and ceasing to try and charge us with the $fee and $Early Termination Fee
Also, while we are in dispute, I demand that WMP and its associates discontinue the numerous phone calls to my number, which are beginning to take form of a bullingAny communication between WMP and Complete Education or myself needs to be done through Revdex.com, email or mail
Sincerely,
*** ***

Re: Better Business Complaint ***
I am in receipt of the Revdex.com complaint you posted, referenced above, and I amresponding on behalf of Wholesale Merchant Processing, IncThank you for yourcomments and returning the VXterminal
In 2014, we contacted you to communicate that the unit
that was originallyshipped to you in essentially had became obsolete and non-PCIDSS compliant.The Payment Card Industry Data Security Standard (PCI DSS) is a proprietaryinformation security standard for organizations that handle branded credit cards fromthe major card schemes including Visa, MasterCard, American Express, Discover, andJCBThe PCI Standard is mandated by the card brands and administered by thePayment Card Industry Security Standards CouncilThe standard was created toincrease controls around cardholder data to reduce credit card fraudWe shipped you aPCIDSS compliant VXin
The EMV compliance (chip reading capability) was not mandated at that time in 2014.EMV compliance was not a lawIt was the credit card companies rulesBeginningOctober 1, 2015, they shifted liability for fraudulent transactions from credit cardcompanies to merchants under some circumstances when EMV capable equipment isinvolved in the transactionArticles suggest that studies estimate that only 30% of allmerchants in the U.Sare currently in compliance with these rulesThat is becausemost merchants face little possibility of credit card fraud when compared to the cost ofcomplianceYou were concerned about the new compliance rules and wanted to makesure your equipment was EMV compatibleThe VXyou received was designed toprocess transactions using EMV cardsIt had the physical features for EMV capability.However the processor, in had not completing the updated EMV software fordownloadThis is much like the annoying, but necessary, updates we all get for ourcomputers from our operating system manufacturersBy 2015, the target date keptbeing moved outWMP simply told you what they were telling usThe download wouldbe available in approximately daysWe ended up contracting with a differentprocessing company that had EMV compliant software ready and started a newcompany, Smart Choice PaymentsAll new customers were signed up with our thiscompanyIn order to make EMV available to you, a salesperson contacted you andoffered to sign you up with Smart Choice PaymentsYou refused this option andinstead cancelled your WMP contractI have written to you and explained what thesefees were and where in the contract(s) they are provided previously
As I suggested in my previous letter, if you were to choose to continue to process,perhaps with a month to month arrangement with us, the company would be willing toforgo all early termination fees upon signing a new agreement with Smart ChoicePayments
Sincerely,Frank F*Legal DepartmentSmart Choice PaymentsSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext* ***[email protected]

Contact Name and Title: Anna P***, Public Relations AdministratorContact Phone: (888) 381-ext***Contact Email: ***@smartchoicepayments.comRevdex.com Complaint Case #***Name: *** ***Company Name: *** ***To Whom It May Concern: I, Anna P***, am responding on behalf of
Smart Choice Payments Public RelationsThis letter is in response to the Revdex.com Complaint #***, made by *** ***This letter will address Mr***'s claims with the hopes of achieving an amicable resolutionDue to a corrupted email attachment on our part, SCP initially missed Mr***'s emails up until on or about November 3rd, However, upon realizing the error, SCP immediately took action to ameliorate Mr***'s complaintsA record of correspondence between SCP and Mr*** in our Customer Report Management database provides evidence of SCP Customer Support addressing the aforementioned complaints on Mr***'s behalfSince on or about November 3rd, 2015, SCP has been in consistent contact with Mr*** to work on resolving his situation.Smart Choice Payments is mindful of the need to accommodate demands for satisfactionAs a company that thrives only due to its satisfied customers, Smart Choice Payments often meets its customers' requests for service changes, contract modifications, and other requests that it is not obliged toHere at Smart Choice Payments, we strongly prefer a mutually beneficial conclusion to this business matterAdditionally, Smart Choice Payments strives to provide great customer service to their merchants and would like to see an amicable resolution for Mr***SCP would like to renew its business relationship with *** *** and *** ***, and we hope that he will consider working with Smart Choice Payments to find a way to positively resolve the dilemmaFor the quickest possible resolution, Mr*** may feel free to contact me directly at ***@smartchoicepayments.com or my office phone (888) 381-extension ***Best Regards,Anna P***

Hello, I am the person tasked with responding to Revdex.com complaints on behalf of Smart Choice Payments. Unfortunately, I have been away from the office since March 23rd. I will return on Monday March 28th and will review your account and reply fully at that time. Thank you for your
comments. They help us in our quest to constantly improve customer service

I am not an attorneyI am a legal assistant in the legal department on behalf of Wholesale Merchant Processing
Customer closed their account with our companyThe fees at which customer stated are closing fees stated on his contract at which he signed
Above the
signature line are the sections the customer was agreeing to have read BEFORE SIGNING:
"By signing below, you represent and agree that:
1) the information in and accompanying this form is complete and correct;
2) you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement, and;
3) you are authorized as an officer, partner, manager, or owner to submit to this form and to bind the Merchant to this Placement Agreement:
The Placement Agreement terms and Conditions also provide under the item #4, "Effect of Termination":
Upon and termination Golden Nails shall also have the right to collect from merchant any fees that are waived including, but not limited to, the Application Fee, Programming fee and Installation fee."
Therefore, due to early termination, the customer was billed the fees which appears on the face the merchant receipt form but had been previously waived;
1) Programming fee
2) Installation fee
3) File Build fee
4) Application fee
5) ETF fee
6) Unpaid Processing fee
At which time customer refused to pay any fees at the time of closingOur company has tried several times to work this out with this customer, and this customer refuses to pay any fees or to work anything out at this time

Contact Name and Title: Anna P***, Public Relations AdministratorContact Phone: (888) 381-ext***Contact Email: ***@smartchoicepayments.comRevdex.com Complaint Case #***Name: *** ***Company Name: *** ***To Whom It May Concern: I, Anna P***, am responding on behalf of
Smart Choice Payments Public RelationsThis letter is in response to the Revdex.com Complaint #***, made by *** ***This letter will address Mr***'s claims with the hopes of achieving an amicable resolutionDue to a corrupted email attachment on our part, SCP initially missed Mr***'s emails up until on or about November 3rd, However, upon realizing the error, SCP immediately took action to ameliorate Mr***'s complaintsA record of correspondence between SCP and Mr*** in our Customer Report Management database provides evidence of SCP Customer Support addressing the aforementioned complaints on Mr***'s behalfSince on or about November 3rd, 2015, SCP has been in consistent contact with Mr*** to work on resolving his situation.Smart Choice Payments is mindful of the need to accommodate demands for satisfactionAs a company that thrives only due to its satisfied customers, Smart Choice Payments often meets its customers' requests for service changes, contract modifications, and other requests that it is not obliged toHere at Smart Choice Payments, we strongly prefer a mutually beneficial conclusion to this business matterAdditionally, Smart Choice Payments strives to provide great customer service to their merchants and would like to see an amicable resolution for Mr***SCP would like to renew its business relationship with *** *** and *** ***, and we hope that he will consider working with Smart Choice Payments to find a way to positively resolve the dilemmaFor the quickest possible resolution, Mr*** may feel free to contact me directly at ***@smartchoicepayments.com or my office phone (888) 381-extension ***Best Regards,Anna P***

We are in settlement process with this customerthank you,

To Whom It May Concern:I am very sorry to hear about the negative experience you had with SCPIt is our goal to be as transparent as possible when it comes to our contract terms. At this point in time, we are currently investigating the matter at handWe sincerely appreciate your patience
with us as we delve deeper into the convoluted transactions. We will be in touch with you in the upcoming days to ensure this is resolved as quickly and amicably as possible. Sincerely,Anna P***, PR Administrator at Smart Choice Payments

Mr***, thank you for your commentsYour feedback helps Wholesale Merchant Processing (WMP)in it's efforts to constantly improve it's customer service operationsYou signed a Merchant Application and Agreement (MAA) and a Merchant Receipt Form (MRF) on April 12, At the bottom of the MRF,
just above your signature, the form states:
“By signing below, you represent and agree that: (1) The information in and accompanying this form is complete and correct; (2) you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement, and; (3) you are authorized as an officer, partner, manager or owner to submit to this form and to bind the Merchant to this Placement Agreement.” (underline added for emphasis)
The term of the contract as stated in Item 2, “Term and Termination” of the Placement Agreement, is three years from the date of signature with an an automatic renewal thereafter for additional terms of two years each unless either party notifies the other no later than thirty days prior to the end of the current term that it does not wish to renewThe initial term of your contract was for three years up until April, 11, Your contract auto renewed on that date for two more years since you did not notify WMP no later than days prior to the end of the initial term
The record shows that *** *** called and left a voice mail with customer service on July 13, asking what the business needed to do to cancel the accountBy that time, the contract had already renewed for two additional yearsYou called later that day and spoke to a customer representative who explained that your contract was automatically renewed for two years and that if you canceled, it would be considered an early termination and certain fees would be applied
You are a sophisticated business owner who entered into a commercial contract on behalf of *** *** *** *** *** It is your duty to read contracts in their entirety before signing them Failure to read the contracts before entering into an agreement does not relinquish you from the costs incurred under the terms of the agreement Once you signed the agreements, indicating a meeting of the minds, you became subject to the terms and conditions of the contracts, including any applicable early termination fees
WMP is willing to adjust your rates and work with you on any issues has if you will reconsider canceling and continue using WMP’s services WMP is mindful of the need to accommodate demands for satisfaction As a company that thrives only due to its satisfied customers, WMP often meets its customer’s requests for service changes, contract modifications and other requests that it is not obliged to WMP regrets your desire to cancel with WMP and strongly prefers a mutually beneficial conclusion to this business relationship Additionally, WMP strives to provide excellent customer service to merchants and would like to see an amicable resolution to this situation WMP would like to resume its business relationship with you and and we hope that you will consider working with WMP to find a positive resolution For the quickest possible resolution, I encourage you to contact our customer service expert at ***@smartchoicepayments.com or call at (503)-997-

Your Revdex.com complaint, #*** regarding Wholesale Merchant Processing (now known as Smart Choice Payments). On March 20, you signed a Merchant Application agreement personally guarantying to fully perform all obligations under the contract. You also signed a Merchant Receipt Form
which stated, just above your signature that you had received a copy of the Placement Agreement terms and conditionsThe Placement Agreement states under item Termination it states: "Upon any termination WMP shall have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, File Build Fee, Programming Fee and Installation Fee Merchant also agrees to pay any collection costs or attorney's fees associated with any amount due to WMP or its assigns." You were billed $for these previously waived feesWe attempted to collect those fees, but your account did not have a sufficient balance and was rejected Therefore, the matter was sent to a collection agency When the customer service personnel told you no further fees would be collected, he was addressing monthly fees for service You did follow instructions and returned the loaned equipment, so you were not billed for that In addition, being a month to month user, you were not billed an early termination fee ($395.00) It is your duty to read contracts thoroughly before signing them Failure to read the contracts does not excuse you from incurring costs provided for in the terms and conditions of the agreement It is not in the customs and practices of WMP to waive all fees under the contract We do sometimes waive fees to assist merchants in obtaining service and collect those fees upon termination as provided for under the contractWMP would like to end this business relationship amicably To that end, please bring your account current