Wholesale Merchant Processing Inc

*** Please See Attached Documents ***
From: Anna P***, Public Relations Administration
***Beaverton, OR 97008(888) 381-Ext***To: *** ***Revdex.comPO Box 1000DuPont, WA 98327(206) 431-2222***RE: *** ** ***, Business Executive** *** *** *** *** *** ***Pendleton, OR 97801*** ***Complaint ID ***December 14, 2015To Ms*** ** *** and All Concerned Parties:I, Anna P***, am responding on behalf of Wholesale Merchant Processing (WMP) astheir Public Relations AdministratorThis letter will address the Revdex.comcomplaint issued on behalf of Ms*** in the hopes of achieving an amicable resolution.As of today, December 14, 2015, Wholesale Merchant Processing has motioned to refund Ms.*** *** $893.98, the amount owed to her due to a discrepancy in billing, hinging onthe condition that Ms*** will address any and all complaints issued on her behalf by theRevdex.com as settled in the customer’s favor within seven business days of thisletter’s dateIf Ms*** complies, WMP believes this matter will be fully resolved.Wholesale Merchant Processing is mindful of the need to accommodate for the demands ofthe clientAs a company that thrives only due to its customers’ satisfaction, WholesaleMerchant Processing often meets its customers' petitions for service changes, contractmodifications, and other requests without owing any legal or fiscal obligation to the clientInthis particular scenario, WMP understands Ms***’s desire for indemnity and hopes toassist her to the best of the company’s ability and resources in finding a way to alleviate thesituation.Here at Wholesale Merchant Processing, we strongly prefer a mutually beneficial conclusionto this business matterWe regret having to end our professional contract with Ms***, but WMP fully understands the nature of a free market and that industry thrives onalways putting the consumer’s and client’s preferences as first priorityWe hope that in thespirit of good faith and business practice, that this will be considered a congenial end to ourtransaction correspondenceIf Ms*** ever wishes to renew a professional relationshipwith our merchant processing services, we at WMP would welcome the opportunity to earnback her patronage.Finally, WMP would like to thank Ms*** for bringing her account issues to our attention .We highly value customer feedback as it helps us progress and grow as a company .Ms*** may feel free to contact me directly at *** or callmy office phone at (888) 381-extension *** with any further questions or concerns.Best Regards,Anna P***Public Relations Administrator, Wholesale Merchant Processing

Their story does not match what I was told when I cancelled the account due to selling my business, and I believe that is the reason they waited years to contact me about it?
To reinforce that, I have added two attachments? Written on the 1st page of the contract (please see attached file *** *** 001.jpg), "credit for cancellation" and "fee waived cancellation", which would indicate I completed my obligation to them when I cancelled my account?
What has been done on both pages of the contract I attached - is that the business recently added circles, asterisks and text to show what fees I did not pay? None of this was? indicated? on the original contract? I contend that changing a contract after the fact is not honest, this I will take up with the attorney general? I still want a letter or email to the fact that I owe nothing to this business?
No sane business waits 5+ years to attempt to collect 'debts'? A company waits five years to hope people have tossed paperwork and have forgotten details, then changes a few documents and hope to make a few easy bucks? From what I have read online this has been moderately successful strategy for this company, and why this company and it's numerous aliases rate as substandard by any set of business standards and ethics you want to use as a benchmark.?
?

I am writing in response to your complaint filed with the Revdex.com referenced aboveIn reviewing the record of your account with Wholesale Merchant Processing (WMP), it appears that you became a customer when you signed a Merchant Application and a Merchant Receipt Form on November
15, There are two entries that pertain to your complaint:
08/27/12, 07:AM Note: received a cancel letter from merchant said she went with another company, because of lower rates and that if we wanted her to stay we would have just lower her rates for her, she said she will send another cancel letter in oct, cause she would have a etf right now
Danelle A***
08/21/12, 12:PM Note: Julie *** to cancel says that she has another company and has changed over already-tried to save but merchant wants to cancel.Advto send in cancel letter day close Geraldine H***?
There is no indication that any additional cancellation letter was ever receivedIn any
case, you had already notified that you were no longer processing with WMP in breach of your contractsSubsequently, your account was cancelled for inactivityThe copy of your alleged cancellation letter dated 10/09/that was faxed on April 5, is of no consequence since you had already reported that you had begun processing credit card payments with another company on August 21, and effectively terminated your agreement at that pointOn both of the bottom of the MRF you signed, just above your signature, the forms stated: “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 Placement Agreement terms and conditions also provide under item number four, “Effect of Termination”: “Upon and termination, WMP shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.” You were billed the fees which appeared on the face of the updated Merchant Receipt Form but had been previously waived; $Programming Fee, $Application Fee, $Actual Set Up Fee, $Starter Kit, for a total of $WMP often times waives these fees in order to assist merchants to commence processing and then collects these fees in the event the contract is terminated earlyYou were not charged an Early Termination Fee ($350.00) as there is no provision for that in your contractsIt is my hopes that this letter has cleared up any confusion about why you were charged $WMP values your past patronage as a customerIf you become unhappy with your current processor, WMP would welcome you as a customer and would be happy to work with you to resolve any issues you may haveAs a company whose success is largely due to it's excellent customer service, WMP realizes the importance
of meeting its customer’s demands including modification of fees, elimination of minimums and other accommodations that we are not required to

*** Please See Attached Documents ***
***Beaverton, OR 97008(888) 381-Ext***To: *** ***Revdex.comPO Box 1000DuPont, WA 98327(206) 431-2222***.***@theRevdex.com.orgRE: *** ***, Business
Executive*** *** *** *** ** *** ***Red Bluff, CA 96080*** ***Complaint ID ***December 14, 2015To Mr*** *** and All Concerned Parties:I, Anna P***, am responding on behalf of Wholesale Merchant Processing (WMP) astheir Public Relations AdministratorThis letter will address the Revdex.comcomplaint issued on behalf of Mr*** *** in the hopes of achieving an amicableresolution.As of November 17, 2015, Wholesale Merchant Processing reconciled the cancellation termsof Mr***’s accountMr*** *** terminated his merchant processingenrollment with WMP and all fees and charges were settled in the customer’s favorWMP hasdocumentation and record of correspondence to validate this resolution and believes thematter to be fully resolved.Wholesale Merchant Processing is mindful of the need to accommodate for the demands ofthe clientAs a company that thrives only due to its customers’ satisfaction, WholesaleMerchant Processing often meets its customers' petitions for service changes, contractmodifications, and other requests without owing any legal or fiscal obligation to the clientInthis particular scenario, WMP understood Mr***’s desire for indemnity and assistedhim to the best of the company’s ability and resources in finding a way to alleviate thesituation.Here at Wholesale Merchant Processing, we strongly prefer a mutually beneficial conclusionto 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 thriveson always putting the consumer’s and client’s preferences as first priorityWe hope that in thespirit of good faith and business practice, that this will be considered a congenial end to ourtransaction correspondenceIf Mr*** ever wishes to renew a professionalrelationship with our merchant processing services, we at WMP would welcome theopportunity to earn back his patronage.Finally, WMP would like to thank Mr*** for bringing his account issues to ourattention We highly value customer feedback as it helps us progress and grow as acompany .Mr*** may feel free to contact me directly at *** orcall my office phone at (888) 381-extension *** with any further questions orconcerns.Best Regards,Anna P***Public Relations Administrator, Wholesale Merchant Processing

Dear Ms***:I am writing regarding your complaint with the Revdex.com
First, let me address the invoice that you receivedThe invoice was erroneous in that itcontained the figure of a $early termination feeThe correct termination fee,according to the Merchant Application
is $which is what was billed, not $495.00.WMP regrets that oversight in including the incorrect figure on the invoice that was sentto you
Complete Education, Inc., became a customer of WMP when the Merchant ReceiptForm (MRF) was signed on August 18, The term of that agreement was threeyears
Attached to the MRF is a Placement Agreement which contains the terms andconditions of the contractJust above the signature line on the MRF, the followinglanguage appears:"By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement, and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement." (underline added for emphasis)
The Placement Agreement terms and conditions provide under item number four,"Effect of Termination":"Upon and termination, WMP shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee."
The previously waived fees usually appear on the face of the MRF: $495.00Programming Fee, $Installation Fee, $File Build Fee and a $99.00Application Fee for a total of $
On the MRF you signed, these fees do not appear and none of the boxes were checkedto indicate these were amounts you needed to payDue to this discrepancy, WMP willrefund the amount of $
In your complaint you also have stated that there is an inconsistency between theProcessing Terms and Conditions of the Merchant Application and the PlacementAgreement terms and conditionsYou point out that the Placement Agreementprovides that WMP may cancel the Agreement for any reason by providing Merchantwith seven day's noticeBy contrast, the Processing Terms and Conditions describesituations where the parties to the Merchant Application (see the *** paragraph of theProcessing Terms and Condition) can immediately cancel the agreement (Item 5.3under Termination of Agreement)It specifies that the agreement may be terminatedimmediately if the Merchant is inactive for (90) ninety days and is not a seasonalMerchant (5.3J)
Also, please note that the labeled signature block of the Merchant Application there is anotice that reads:"THE "AGREEMENT" CONSISTS OF THE MERCHANT APPLICATION, TERMSAND CONDITIONS AND THE RATE DESCRIPTIONS AND MERCHANTACKNOWLEDGES RECEIPT OF THE SAME."
As for the equipment charge of $800.00, the Placement Agreement states that theloaned equipment must be returned upon cancellationThe MRF that was signed alsostates thisThe equipment was not returned in a timely fashion,you were charged forthat equipment
You are a sophisticated business owner who entered into a commercial contract onbehalf of Complete Education, IncIt is your duty to read contracts in their entiretybefore signing themFailure to read the contracts before entering into an agreementdoes 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 becamesubject to the terms and conditions of the contracts, including any applicable earlytermination fees
In conclusion, WMP will refund the amount of $that was collected as paymentfor previously waived fees for the reasons discussed above
Sincerely,Frank F*Legal DepartmentWholesale Merchant ProcessingSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext***[email protected]

RE: Revdex.com Complaint # ***Mr***,I am writing in response to the referenced complaint with the Revdex.com.You became a customer with Wholesale Merchant Processing (WMP) on October 3,when you signed a Merchant Application(MA) and a Merchant Receipt Form(MRF)WMP received a
cancellation notice on August 11, requesting to cancelaccount on October 3, Previously, on April 21, you signed an updatedMerchant Receipt Form.On the bottom of the MRF you signed on April 21, 2011, just above her signature, theform states:“By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement , and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement.” (underline added for emphasis).Under the terms and conditions of the Placement Agreement, the initial term of theagreement and the updated agreement was three years with an automatic renewal foradditional terms of one year each unless either party notified the other within thirty daysprior to the end of the current term that it did not wish to renew the agreementUnderthe updated MRF, then, the new initial contract term expired April 21, Therefore,your cancellation of the agreement on October 3, was an early terminationTheearly termination fee was eliminated from the Merchant Application so you were notbilled the $early termination fee
The Placement Agreement terms and conditions also provide under item number four,? “Effect of Termination”:“Upon and termination, WMP shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee.”
Due to early termination, you were billed the fees which appeared on the face of theMerchant Receipt Form but had been previously waived; $Programming Fee,$Installation Fee, $File Build Fee and a $Application Fee for a totalof $
The Merchant Application and Merchant Receipt Form did not have early terminationfees waived under the contract nor is it WMP’s custom and practice to waive all feesunder the contractWMP oftentimes waives fees up front, such as Application fees;Programming fees; Installation fees and Monthly minimums, in order to benefit thebusiness and continue services with WMP
Finally, a Fund Transfer Authorization is part of the Merchant Application you signedand agreed to for collection of any payments due under the AgreementYou provided avoided check for this purpose
You are a sophisticated business owner who entered into a commercial contract onbehalf of *** ***’s *** & ***It is your duty to read contracts in their entiretybefore signing themFailure to read the contracts before entering into an agreementdoes 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 becamesubject to the terms and conditions of the contracts, including any applicable earlytermination fees
I hope this letter helps to explain the outstanding charges you were billed for
Sincerely,Frank F*
Legal Department,Wholesale Merchant ProcessingSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext***[email protected]

Tell us why Thank you for sending in the fax confirmation? I apologize for the delay in getting back to you? I now have a clearer picture of the facts surrounding your cancellation? On 10/12/11, you signed a Merchant Application and a Merchant Receipt Form (MRF)? The Merchant
Receipt Form, just above your signature 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).Under the terms and conditions of the Placement Agreement, the initial term of the agreement is three years with an automatic renewal for additional terms of two years each unless either party notified the other within thirty days prior to the end of the current term that it did not wish to renew the agreement? The initial three year term then, started on 10/12/and ended on 10/11/? The first automatic renewal term began on 10/12/and ended on 10/11/A second renewal term began on 10/12/? Your cancellation notice was fax'd to us on 11/24/? Unfortunately, that notice was not "within thirty days prior to the end of the current term." ? The renewal term of one year had already begun so, in effect, the cancellation was an early termination and subject to the early termination fee of $as specified in the Merchant Application? In addition, you stopped processing payments for over days, which, under the terms and conditions of the Merchant Application allows WMP to terminate the agreement.The Placement Agreement terms and conditions also provide under item number four, “Effect of Termination”: ? “Upon and termination, NAPS shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.”Due to early termination, you were billed the fees which appears on the face the Merchant Receipt Form but had been previously waived; ? $Programming Fee, $Installation Fee, $File Build Fee and a $Application Fee for a total of $893.98.? Finally, the Placement Agreement provided that: “Upon any termination of this Agreement, Merchant must return any Equipment to WMP? In the event Merchant fails to return the Equipment upon request by WMP or returns equipment that is damaged, defective, malfunctioning, or it is not in good working order, Merchant shall purchase the equipment for the full retail price of the Equipment “You were billed $for equipment returned? However, the MRF specified that the equipment's value? WMP is willing to adjust his rates and work with you on any issues you have if you will reconsider cancelling and continue using WMP 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 including waiving past fees and penalties that it is not obliged to? WMP regrets Mryour desire to cancel 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 he would consider working with WMP to find a positive resolution? For the quickest possible resolution, please contact us at ***@smartchoicepayments.comhere

...I am not an attorney. I 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 of. Since this customer did not shut down account...

properly with us, his  account was charge fees that are stated on their contract. Since than the customer has shut down properly. We have reimbursed some of those fees. When this deal was worked out the account was closed and both customer and our company are settled and satisfied.

Dear Wholesale Merchant Processing/Todd M[redacted]:
 
We received a letter from Mr. Frank F[redacted] 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  $1,288.98 fees, including, according to the invoice an “Early Termination Fee” of $495, where it was elsewhere stipulated to be $395. 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 $495. 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”  $1,288.98 in never heard of (to us) fees. Then we looked up your business online and saw dozens of complaints up to 15 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 company. Other 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 interest. Realizing 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 $800 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 $395 “Early Termination Fee”, since you were thwarted in taking a $495 “Early Termination Fee”.
Here is my reasoning:
1.      The equipment was mailed to your office on July 2, 2016 but refused by your staff twice on July 11 and 12. Here is the USPS tracking message:
Your item was refused by the addressee at 1:34 pm on July 12, 2016 in BEAVERTON, OR 97005 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 it. Let 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 could. How 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 23 trying to initiate the procedure for terminating our contract by its due date when I found that you have canceled our account. I was out of town for another week and as soon as I came home I mailed the equipment.
If you put a value of $800 to this equipment, which by the way you have not “supported” for the last approximately 3 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 $800 for WMP?
(the current retail should be nearly zero anyway)
2.   We have not terminated the agreement and we should not be charged $395 Early termination fee.  With only 2 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 25 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 3 years of service, WMP revealed for the [redacted] time the Placement Agreement, forcing me to renew for additional 2 years, while the Processing Terms and Conditions indicate only 1 year renewal, not two.
In addition WMP attempted to charge my account for $1,288.98 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 [redacted] account for additional fees without any notification.
Mr. Todd M[redacted],
Mr. F[redacted] 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 3 or 4 documents. For 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 $800 fee and $395 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 bulling. Any communication between WMP and Complete Education or myself needs to be done through Revdex.com, email or mail.
 
Sincerely,
[redacted]

Dear Mr. [redacted], thank you for your comments.  Feedback helps us to improve our customer service.   You had signed a Merchant Application and Agreement  and a Merchant Receipt Form on May 29, 2009.  Please note that at the bottom of the MRF you signed, 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 Placement Agreement terms and conditions provide under item number four, “Effect of Termination”:  “Upon and termination, WMP shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.”Due to early termination, you were billed the fees which appears on the face the Merchant Receipt Form but had been previously waived;  $495.00 Programming Fee, $199.00 Installation Fee, $99.00 File Build Fee and a $99.00 Application Fee for a total of $893.98. 
WMP periodically reviews closed accounts and identifies accounts in which these waived fees had never been collected.  Your account was flagged as one that had not been billed fees which were due under the provisions of the contracts.  There is no statute of limitations for collecting a bill that is due.  WMP regrets that you were misinformed as to these fees which were previously waived when you first became a customer.  We regularly waive those fees so that merchants can begin to process credit card payments without delay.  WMP also regrets any inconvenience you may have had due to this experience.

At this time Smart Choice Payments has closed [redacted]'s account and has removed it  from Collections. We are no longer asking [redacted] to pay the 1288.98. [redacted] is no longer in debt to Smart Choice Payments. We have done this to satisfy [redacted] and Revdex.com as well  to better our relationship with Customer and the Revdex.com. Thank You, [redacted] is always welcome to come back and process with Smart Choice Payments at anytime we would love to have her as a customer again if she ever would like to come back in the near future.
 
Katherine H[redacted]

We are in settlement process with this customer. thank you,

Complaint: [redacted]I am rejecting this response because:
Going back to my original request, I was told if I waited until 5/30/10 to cancel I would be charged any fees.  This was the crux of my entire complaint to begin with.  I am not accepting this logic that they forget to bill people for 6 years.  Cash grab not accepted on my part.
Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]

[redacted],
Re: ID # 1[redacted]- Wholesale Merchant Processing Inc
Please, post that we have resolved the issue.
Thank you
PS I needed more time to respond but the Revdex.com sent me an email that they have closed this
[redacted]

[redacted] Please See Attached Documents [redacted]Beaverton, OR 97008(888) 381-6800 Ext. [redacted]To: [redacted]Revdex.comPO Box 1000DuPont, WA 98327(206) 431-2222[redacted].[redacted]@theRevdex.com.orgRE: [redacted], Business...

Executive[redacted]Red Bluff, CA 96080[redacted]Complaint ID [redacted]December 14, 2015To Mr. [redacted] and All Concerned Parties:I, Anna P[redacted], am responding on behalf of Wholesale Merchant Processing (WMP) astheir Public Relations Administrator. This letter will address the Revdex.comcomplaint issued on behalf of Mr. [redacted] in the hopes of achieving an amicableresolution.As of November 17, 2015, Wholesale Merchant Processing reconciled the cancellation termsof Mr. [redacted]’s account. Mr. [redacted] terminated his merchant processingenrollment with WMP and all fees and charges were settled in the customer’s favor. WMP hasdocumentation and record of correspondence to validate this resolution and believes thematter to be fully resolved.Wholesale Merchant Processing is mindful of the need to accommodate for the demands ofthe client. As a company that thrives only due to its customers’ satisfaction, WholesaleMerchant Processing often meets its customers' petitions for service changes, contractmodifications, and other requests without owing any legal or fiscal obligation to the client. Inthis particular scenario, WMP understood Mr. [redacted]’s desire for indemnity and assistedhim to the best of the company’s ability and resources in finding a way to alleviate thesituation.Here at Wholesale Merchant Processing, we strongly prefer a mutually beneficial conclusionto this business matter. We regret having to end our professional contract with Mr. [redacted], but WMP fully understands the nature of a free market and that industry thriveson always putting the consumer’s and client’s preferences as first priority. We hope that in thespirit of good faith and business practice, that this will be considered a congenial end to ourtransaction correspondence. If Mr. [redacted] ever wishes to renew a professionalrelationship with our merchant processing services, we at WMP would welcome theopportunity to earn back his patronage.Finally, WMP would like to thank Mr. [redacted] for bringing his account issues to ourattention . We highly value customer feedback as it helps us progress and grow as acompany .Mr. [redacted] may feel free to contact me directly at [redacted] orcall my office phone at (888) 381-6800 extension [redacted] with any further questions orconcerns.Best Regards,Anna P[redacted]Public Relations Administrator, Wholesale Merchant Processing

Dear Ms. [redacted]:I am writing regarding your complaint with the Revdex.com.
First, let me address the invoice that you received. The invoice was erroneous in that itcontained the figure of a $495.00 early termination fee. The correct termination fee,according to the Merchant Application...

is $395.00 which is what was billed, not $495.00.WMP regrets that oversight in including the incorrect figure on the invoice that was sentto you.
Complete Education, Inc., became a customer of WMP when the Merchant ReceiptForm (MRF) was signed on August 18, 2011. The term of that agreement was threeyears.
Attached to the MRF is a Placement Agreement which contains the terms andconditions of the contract. Just above the signature line on the MRF, the followinglanguage appears:"By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement, and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement." (underline added for emphasis).
The Placement Agreement terms and conditions provide under item number four,"Effect of Termination":"Upon and termination, WMP shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee."
The previously waived fees usually appear on the face of the MRF: $495.00Programming Fee, $199.00 Installation Fee, $99.00 File Build Fee and a $99.00Application Fee for a total of $893.98.
On the MRF you signed, these fees do not appear and none of the boxes were checkedto indicate these were amounts you needed to pay. Due to this discrepancy, WMP willrefund the amount of $893.98.
In your complaint you also have stated that there is an inconsistency between theProcessing Terms and Conditions of the Merchant Application and the PlacementAgreement terms and conditions. You point out that the Placement Agreementprovides that WMP may cancel the Agreement for any reason by providing Merchantwith seven day's notice. By contrast, the Processing Terms and Conditions describesituations where the parties to the Merchant Application (see the [redacted] paragraph of theProcessing Terms and Condition) can immediately cancel the agreement (Item 5.3under 5. Termination of Agreement). It specifies that the agreement may be terminatedimmediately if the Merchant is inactive for (90) ninety days and is not a seasonalMerchant (5.3J)
Also, please note that the labeled signature block of the Merchant Application there is anotice that reads:"THE "AGREEMENT" CONSISTS OF THE MERCHANT APPLICATION, TERMSAND CONDITIONS AND THE RATE DESCRIPTIONS AND MERCHANTACKNOWLEDGES RECEIPT OF THE SAME."
As for the equipment charge of $800.00, the Placement Agreement states that theloaned equipment must be returned upon cancellation. The MRF that was signed alsostates this. The equipment was not returned in a timely fashion,you were charged forthat equipment.
You are a sophisticated business owner who entered into a commercial contract onbehalf of Complete Education, Inc. It is your duty to read contracts in their entiretybefore signing them. Failure to read the contracts before entering into an agreementdoes 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 becamesubject to the terms and conditions of the contracts, including any applicable earlytermination fees.
In conclusion, WMP will refund the amount of $893.98 that was collected as paymentfor previously waived fees for the reasons discussed above.
Sincerely,Frank F[redacted]Legal DepartmentWholesale Merchant Processing11 000 SW Stratus St. Ste. 150Beaverton, OR 97008(888) 381-6800 Ext. [redacted][email protected]

[redacted] Please See Attached Documents [redacted]
From: Anna P[redacted], Public Relations Administration
[redacted]Beaverton, OR 97008(888) 381-6800 Ext. [redacted]To: [redacted]Revdex.comPO Box 1000DuPont, WA 98327(206) 431-2222[redacted]RE: [redacted], Business Executive[redacted]Pendleton, OR 97801[redacted]Complaint ID [redacted]December 14, 2015To Ms. [redacted] and All Concerned Parties:I, Anna P[redacted], am responding on behalf of Wholesale Merchant Processing (WMP) astheir Public Relations Administrator. This letter will address the Revdex.comcomplaint issued on behalf of Ms. [redacted] in the hopes of achieving an amicable resolution.As of today, December 14, 2015, Wholesale Merchant Processing has motioned to refund Ms.[redacted] $893.98, the amount owed to her due to a discrepancy in billing, hinging onthe condition that Ms. [redacted] will address any and all complaints issued on her behalf by theRevdex.com as settled in the customer’s favor within seven business days of thisletter’s date. If Ms. [redacted] complies, WMP believes this matter will be fully resolved.Wholesale Merchant Processing is mindful of the need to accommodate for the demands ofthe client. As a company that thrives only due to its customers’ satisfaction, WholesaleMerchant Processing often meets its customers' petitions for service changes, contractmodifications, and other requests without owing any legal or fiscal obligation to the client. Inthis particular scenario, WMP understands Ms. [redacted]’s desire for indemnity and hopes toassist her to the best of the company’s ability and resources in finding a way to alleviate thesituation.Here at Wholesale Merchant Processing, we strongly prefer a mutually beneficial conclusionto this business matter. We regret having to end our professional contract with Ms. [redacted], but WMP fully understands the nature of a free market and that industry thrives onalways putting the consumer’s and client’s preferences as first priority. We hope that in thespirit of good faith and business practice, that this will be considered a congenial end to ourtransaction correspondence. If Ms. [redacted] ever wishes to renew a professional relationshipwith our merchant processing services, we at WMP would welcome the opportunity to earnback her patronage.Finally, WMP would like to thank Ms. [redacted] for bringing her account issues to our attention .We highly value customer feedback as it helps us progress and grow as a company .Ms. [redacted] may feel free to contact me directly at [redacted] or callmy office phone at (888) 381-6800 extension [redacted] with any further questions or concerns.Best Regards,Anna P[redacted]Public Relations Administrator, Wholesale Merchant Processing

I am writing in response to your complaint filed with the Revdex.com referenced above. In reviewing the record of your account with Wholesale Merchant Processing (WMP), it appears that you became a customer when you signed a Merchant Application and a Merchant Receipt Form on November...

15, 2006. There are two entries that pertain to your complaint:
08/27/12, 07:59 AM Note: received a cancel letter from merchant said she went with another company, because of lower rates and that if we wanted her to stay we would have just lower her rates for her, she said she will send another cancel letter in oct, cause she would have a etf right now.
Danelle A[redacted]
08/21/12, 12:35 PM Note: Julie [redacted] to cancel says that she has another company and has changed over already-tried to save but merchant wants to cancel.Adv. to send in cancel letter 30 day close Geraldine H[redacted] 
There is no indication that any additional cancellation letter was ever received. In any
case, you had already notified that you were no longer processing with WMP in breach of your contracts. Subsequently, your account was cancelled for inactivity. The copy of your alleged cancellation letter dated 10/09/12 that was faxed on April 5, 2016 is of no consequence since you had already reported that you had begun processing credit card payments with another company on August 21, 2012 and effectively terminated your agreement at that point. On both of the bottom of the MRF you signed, just above your signature, the forms stated: “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 Placement Agreement terms and conditions also provide under item number four, “Effect of Termination”: “Upon and termination, WMP shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.” You were billed the fees which appeared on the face of the updated Merchant Receipt Form but had been previously waived; $495.00 Programming Fee, $99.00 Application Fee, $11.00 Actual Set Up Fee, $12.50 Starter Kit, for a total of $617.50. WMP often times waives these fees in order to assist merchants to commence processing and then collects these fees in the event the contract is terminated early. You were not charged an Early Termination Fee ($350.00) as there is no provision for that in your contracts. It is my hopes that this letter has cleared up any confusion about why you were charged $617.50. WMP values your past patronage as a customer. If you become unhappy with your current processor, WMP would welcome you as a customer and would be happy to work with you to resolve any issues you may have. As a company whose success is largely due to it's excellent customer service, WMP realizes the importance
of meeting its customer’s demands including modification of fees, elimination of minimums and other accommodations that we are not required to.

Complaint: [redacted]I am rejecting this response because: I do understand what the legal department is saying but right now in my business and you can tell by the amounts that have come through that they are small and business at time is failing. Would like to remove said equipment and just not except credit cards to save my business expense at this time because the amount is over and above what this business is doing, When I first signed on with this company back in September of 2012 and had to make changes with the equipment must have rewrote this contract for the leased equipment. because they told me that it was April of 2015 when this started and we still owe for 56 months. I am open for either lowering the fees so I can afford to accept credit cards or a reasonable cancellation fee to interrupt processing at this time. At the time that we were doing all of this my father was very sick and has since passed away  and I myself was suffering some health issues so I feel that with everything I just got overwhelmed at that time.  I don't think I should have signed an addition contract that needed to be switched out because your company sent me the wrong ones to begin with and had quite a time on setting these machine to work in my business properly. Sincerely,[redacted]