Worldpay, Inc.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I...

have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

To Whom It May Concern, This is in response to your correspondence for the Revdex.com assigned ID, [redacted], related to a common point of purchase (CPP) fee in the amount of $2,500. To reiterate from our prior communications, the $2,500 CPP fee is the fee passed down from the member bank for its fee to handle and process a credit card issuer reported common point of purchase event at the merchant’s business. The MasterCard and Visa card brands initiate CPP investigations. CPP investigations are communicated by the card brands to member banks and processors who are required to notify merchants of such incidents and to have remedial steps taken. A card brand reported that one or more credit card issuers reported this CPP event at the merchant’s location.
The merchant was contacted by phone and e-mail several times regarding the CPP event and the person that our company spoke to, most of the time, referred to herself as [redacted], the merchant owner’s wife and the person that we should talk to because the owner, [redacted] was out of the country. The merchant at that time was aware of the CPP event, had received the notification of the event sent to them by email on February 17, 2016, and by letter dated May 12, 2016, was provided notice of the fee.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

This merchant was given an ACH direct deposit to his account.Requested on 10/4Payment to post no later than 10/15Deposit has been confirmed and customer informed.  Thanks in advance,Customer Care

Good Afternoon: 1.     Merchant called in the first time to close the account on Oct 5,2017, and it was closed immediately to stop the billing.        She (merchant) claimed she requested to close the account since 2016 but kept processing until...

mid-2017.2.     Merchants last day of processing was May 13, 20173.     Merchant was not charged an early termination fee of $495, this was waived at the time of closure as a customer service gesture.4.     Merchant’s business is still open as of today and accepting credit cards via web sales.5.     We do not take any fees from Debit Cards so these charges are not from Vantiv. Thanks in advance,Customer Care.

Dear Mr. [redacted], Due to your rejection of Vantiv’s response to the Revdex.com we are resending the attached Visa CPP Notification, CPP Invoice and attestation below:  Under penalty of perjury, we hereby attest that the $2500.00 CPP fee is a pass-through fee billed to Vantiv due to the CPP event at merchant’s location. Please let me know if you have further questions to the above statement or the attached. Thank you!  Thank you,[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

To Whom It May Concern,
We are currently working with this merchant to reach a resolution.
Thank you!

Complaint: [redacted]
I am rejecting this response because for the past 6 months This merchant system and my POS system has been taking money from me. They have not sent me a criedt card statment let alone a message talking bout this issue. I was not informed about owing 2,500 dollars. also during those 6 months they have been taking money out of my account that is more than just a service fee. Even BBT got involved because they saw that this happening on my account. They also turned off my computer because theysaid it need to be updated and charged me 700 dollars to update it and I also have the check to prove that. After I paid so that my computers would work again they still charged me every day. Another thing is that when I first got the system them and the POS system has teamed up and the merchants told me that I had to get that specific system and in doing so they charged me 8000 dollars for the computers and system which I agreed with. After I paid they brought this problem about updating and everything started happen.
Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason the complaint will be closed Answered]

To Whom It May Concern,This complaint is related to a common point of purchase (CPP) fee in the amount of $2,500.  The $2,500 is a fee passed down from the member bank for its fee to handle and process a credit card issuer reported common point of purchase event at the merchant’s...

business.  The MasterCard and Visa card brands initiate CPP investigations.  CPP investigations are communicated by the card brands to member banks and processors who are required to notify merchants of such incidents and to have remedial steps taken.  A card brand reported that one or more credit card issuers reported this CPP event at the merchant’s location.   The Merchant, in its card services agreement, makes representations on PCI compliance and agrees to indemnify the processor for fees and costs passed down to the processor and anyone acting under the processor.  It is our understanding that the Merchant is aware that its payment application was involved in the CPP event at the Merchant’s location and that Vantiv had contacted the Merchant to request its cooperation to confirm its plan for mitigation. We are happy to discuss this matter again with the merchant.

To Whom It May Concern,
We are continuing to communicate and work with this merchant to reach a mutual resolution.
Thank you!

Complaint: [redacted]
I am rejecting this response because:I do not accept what Vantiv Integrated Payments, LLC said because on my statements I have proof of all the times they took money out of my bank account without proper reason. Another thing is that I never got a paper saying that I had to pay $2,500. I would like to know the date of which they supposedly sent me the letter saying I owe that much. And I would like it for them to refund me all the money that they took.
Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason the complaint will be closed Answered]

Complaint: [redacted]
I am rejecting this response because:We have only received recalculations for one of our two locations.  So far, Mercury has admitted to overbilling us by $2,202 for one of our locations.  I requested they send calculations for the other location two days ago but have received no response whatsoever.
Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason the complaint will be closed Answered]

To Whom It May Concern,We are currently working with this merchant to reach a resolution.Thank you!

Complaint: [redacted]
I am rejecting this response because: Company has agreed only to credit back the fee of $169.00 ( it has not been received as of this date,  but has done...

nothing to correct the processing issue that causes my company to spend an additional $20 or more per month due to equipment provided not working correctly. Company has not address the fixing of the keyed in processing that we are forced to do. We did not agree upon a solution, this was the solution that the company sent to us. This was their proposed solution, where you can clearly see how we were taken advantage of. This is what they consider to be a "free" solution:[redacted], I wanted to reach back out to you regarding your latest email. Yes, we are asking for a 3 year agreement from you, but over the course of 3 years you will not be paying $200 to $300 more. You will be saving money with what we have offered to you. I would like to break everything down for you to show very clearly what the offer is. Our Offer:3 year agreementWaive $169 annual Data Security FeeAdd OmniShield at $34.95 per monthIssue you a $300 gift card to use however you likeFree VX520 terminal to process on Here is how you will be saving money: OmniShield at $34.95 per month is $1,258.20 over the course of 3 years.Removing the annual fee for 3 years is $507.00$1,258.20 - $507.00 = $751.20 Gift card of $300$751.20 - $300.00 = $451.20 Per your email, you say you are paying an additional $20 per month because you do not have equipment that works for you. We have offered you a free terminal that saves you in 2 ways. You save the $20 per month and you save by not having to pay a monthly rental fee for the terminal. $20.00 per month x 36 months = $720.00 $451.20 - $720.00 = -268.80. (At this point you now have reached $268.80 in savings). Rental price for the VX520 is $24.95 and we are offering this for free. That is an additional savings of $898.20 over 3 years. $268.80 + $898.20 = a total overall savings of $1,167.00 during the next 3 years. I hope this helps you to understand the generous offer that we have extended to you and to see that it will be of benefit to you. Please let me know what you think and if there are any other questions or concerns that I can address for you.
------ I [redacted] would like the fees to be reversed that resulted from us having to key in transactions, in addition to the $169 compliance fee with the hidden amount, and be provided with a compatible terminal that will allow us to avoid all key in transaction fees in the future.
Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason the complaint will be closed Answered]

Complaint: [redacted]
I am rejecting this response because: I...

have responded to the business and am waiting on their answer. 
Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason if he complaint will be closed Administratively Resolved]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I...

have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason the complaint will be closed Answered]Reference Case # [redacted]I already have the documents that Vantiv just provided to the Revdex.com.  If one reviews them there is no support detail whatsoever.  I have repeatedly asked for specifics as to what accounts were jeopardized, when they were jeopardized, etc.  I also have repeatedly asked to see the pass through bill from Wells Fargo to Vantiv that specifically states Wells Fargo incurred this expense as a result of my business.   Without this detail and support documentation I have no confirmation this is a legitimate claim.  As such I will continue pursuing this matter. Sincerely,[redacted]

Mr. [redacted] was boarded to Vantiv on 5/9/17. His intent was to operate a retail store selling sporting goods including firearms. His Federal Firearms License was specific to his home address not the retail location which he was in the process of acquiring.  Because FFL’s are specific to an...

address he is required to amend his license with the Federal authorities before he can sell from a new location. He signed an attestation acknowledging he would not sell firearms from the new retail location until his license was reissued. We enrolled upon the condition that we need a 3rd party site inspection to confirm no firearms were being sold. We contacted [redacted] and ordered the site inspection on 5/9 at our cost. We were contacted by [redacted] on 5/22 informing us they had tried to contact Mr. [redacted] on three occasions and never received a call back. Since enrollment was contingent on a positive result from the site inspection we needed Mr. [redacted] to host it. Since he did not respond to [redacted] we put the account on 100% reserve. After that Mr. [redacted] responded to [redacted] and they were able to schedule and conduct the site inspection. The results were delivered on 6/1 and which confirmed there were no firearms for sale. This met the conditions of the original arrangement and we immediately released his funds. He is currently processing with no reserves being held.

To Whom It May Concern,
We have worked with this merchant and believe we have reached a mutual resolution.

Complaint: [redacted]
I am rejecting this response because:I WILL NOT provide Vantiv LLC with an account number so the refund can be sent by ACH. Vantiv's failure to adhere in good faith by contract terms makes it impossible for me to know what amounts of money the company might try to seize from my account if I give it an account number. Company has already overcharged me repeatedly when it had access to my business account, and I won't make that mistake again. As I insisted previously, Vantiv LLC needs to send paper check for $140 to [redacted] at [redacted] along with a WRITTEN STATEMENT indicating that any and all contracts and leases associated with Merchant ID [redacted] are concluded and no longer in effect in any way.
Regards,
[redacted][To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason the complaint will be closed Answered]