Zarlenga & Seltzer, Inc

United Merchant Processing Association has no record or account in the name of *** ***
A merchant account is a line of credit and confidential. Only the personal guarantor is entitled to information regarding the account and able to make any changes to bank account
information, in writing, which is disclosed in their signed agreement. A corporate resolution is not valid for this merchant account, for it is a personal guarantee.We will be more than happy to assist this merchant with any changes they wish to make but we may only speak with the personal guarantor as listed as owner to the account

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Complaint: ***
I am rejecting this response because: " Do not oppress your brethren, nor rob a hireling of his wages" says the LordYou took money from me you did not earn nor provide any service forRegardless of your paper their are higher rules and laws than the ones you are standing byI feel you robbed meYour company had an obligation to contact me as to the renewal at least as a courtesy What shall it profit a man to gain the whole world and yet lose his soul$you owe meI regret for having done business with UMPA and was dissatisfied with this outcome
Regards,
*** ***

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Complaint: ***
I am rejecting this response because:
No contract can be in perpetuity As provided the contract was initialed as having been read No signature appears upon it The signature for Owner or Officer Certification as well as for Guarantee Suretyship do not extend to the Merchant Processing Agreement Under section of the Merchant processing agreement it clearly states that MSP shall provide merchant with cancellation form No such form was ever provided And frankly the new MSP's identity is none of their business The cards processed remotely is also not entirely accurate Though some went through properly the vast majority did not Cards were swiped but without a connection the information was contained in the machine until it was connected to a land line , allowing the process to go to fruition . The hidden fees were also an issue
Regards,
*** ***

United Merchant Processing Association stands by their cancellation policy. The merchant agreement can be terminated without penalty, but *** did not follow the terms and conditions, which he did personally guarantee. A cancellation for was mailed directly to him on March 10, 2014. It was ever received in return. If *** did not receive the cancellation form, how could he make the comment of “frankly the new MSP's identity is none of their business” unless he read the form?
The wireless transaction count is correct and verified as ran through the wireless terminal
We understand that *** is frustrated. Unfortunately, UMPA has no control over the actual tower or strength of connection

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Complaint: ***
I am rejecting this response because: The fee is an unrighteous charge as well as unfairThe fact is regardless of your small print clauses I fulfilled the two years as a faithful customerYou were paid for services renderedThe representative clearly verbally told me of the two years and did not further explain any automatic renewalNevertheless I feel your company defrauded me and even after explaining the hardship is poses on my small business UMPA still was unwilling to make good and refund the chargesAlso prior to the removal of my hard earned money from my account your account representative also had opportunity to tell me of the fee as wellShe did notYou also intentionally postponed a decision until the next business day which defrauded me of my legal right under ACH guidelines to dispute the charges and have them put back into my accountSince your contract states that you operate under ACH rules you are in breech of the contract yourselvesYou well knew that because there is a hour window in which I was able to have the charges reversed by my bank you did not give me as a business consumer the opportunity to exercise my rights under the agreement..So if you chose not to refund me the money I will properly voice my opinions as to having done business with your company through social media outlets as well as at my place of businessIt seems that the lengthy speech about how "other companies have hidden fees, and small print..and to beware of the other guys ( as told me by ***) your company is proven hypocriticalBecause you did the same thing you accused your competitors of doingIf your reputation is honorable you will concedeA good name is rather to be chosen than richesA good name must be is worth more than the to youYou have hurt me as a small business and personally in a financial stateAfter having used United Merchant Processing Association and been dealt with unrighteously (not legally) then how could I in good conscience bless your business or endorse your company everIf you do right, and return my monies I will know you are an honorable business
Regards,
*** ***

I’m sorry that *** is unhappy with our cancellation policy. All terms and conditions are properly disclosed within the merchant agreement
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This merchant agreement does automatically renewal annually (see attached merchant agreement). If terminated early, a cancellation fee of $will be assessed. The next renewal date is August 23, 2014.
To exit the merchant agreement without early termination fees, UMPA would need to receive a written cancellation letter days prior to renewal. UMPA received a letter of cancellation on January 22, 2014, seven months early.
On May 28, our technical support team received a call from ***, expressing dissatisfaction with the wireless connection. The wireless connection for terminals works the same as a wireless cell phone. Coverage area and cell towers determine how good of a mobile connection you receive Our technical support team explained this to *** during this call.
UMPA provides the *** SIM card which allows the terminal to reach a cell tower for mobile service The wireless service which *** was charged is for the ability to reach a cell tower. UMPA has no control over the actual tower or strength of connection.
This terminal was receiving wireless service. During the fourth quarter of 2013, *** was able to process wireless transactions. The last wireless transaction was run on December 30,in the amount of $
With the early termination of this merchant agreement, the account was subject to cancellation fees *** did have wireless service and is responsible for those charges as well

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Complaint: ***
I am rejecting this response because: As I stated before, If you look closely at the contract you will notice that the signatures are not mine, and that is the facts. If needed I do have a Pennsylvania Notary public signature card filed at the PA Department of state and the Mifflin county court house. I have over 10,document signed through Penndott to prove that is NOT my signature and several through my local bank with checks. They stated that they set the machine up November 26th 2014, and my record shows on my bank statement December 3rd 2014. The only transaction on my bank statement was one and it took place on December 5th 2014. After that they had called me several times and I had refused to sign a lease. Once again who would want to pay $a month for four years when I am only paying $a month with *** merchants. After anybody that would read their contract and see how much the cancelation fee is, and how they charge you after you cancel would never sign the contract. If this company is so great why are they traveling two hours or more away to solicit business? I would ask anybody to look at the contract before doing any business with this company and all I have to say is beware, and google them
Regards,
*** ***

We are sorry that *** *** is unhappy with the terms and
conditions of his merchant account, especially since it was properly disclosed
in the signed merchant agreement which *** *** entered into on April 8,
2015.
May 6th, *** ***’s credit card payment
portal
was established. Communication was sent,
advising him as such. UMPA made numerous
calls after that, wanting to install the program and answer any questions he
may have had. Each message left included
urgency to complete the sof the payment portal. No return call was received.
On September 1st, we made contact with *** ***. He advised that he had been busy with employee
issues and that we are to call that next week.
We did follthat following week and *** *** never answered nor
did he return our calls.
Six months after *** *** signed the merchant agreement,
his account was subject to non-acceptance fees due to the refusal to complete
installation of the payment portal (refer to section & of the properly
disclosed purchase agreement) . His merchant
agreement is properly disclosed as a two year agreement. Refusal to complete installation of the
payment portal violated the two year agreement (refer to article of the merchant
agreement).
All agreements were properly disclosed and executed. UMPA has not violated the merchant agreement
and has only followed all terms and agreements

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: The purpose of purchasing the *** *** was to run cards REMOTELY The fact that I was able to get a fairly regular wireless connection from my home doesn't change the fact that the machine didn't function properly REMOTELY The count doesn't reflect where the transactions were run from When contacted , as they fully admit , I was informed by them that the company they were using had dramatically reduced the number of towers they were using So they were fully aware this was a problem And it's not that I would expect the machine to work perfectly It's that when the situation arose and I contacted them I was not offered any viable solution I was told that I could purchase or lease a newer machine whose wireless link was much cheaper " Can I reprogram my old machine ? " their response was " No " " Can I replace the old SIM card with the one used in the newer machine ? " Their response was " No " " Can I just do away with the cell link all together ? " Their response was " No " As to the phantom form they allege to have sent I saw no proof that it was either sent or ( more importantly ) received After posting all of our agreement info in PDF , I'm surprised that neither a " certified return receipt requested " or even a basic certified receipt was provided I would have to guess then that neither exist As to my belief that my new ( and far superior ) MSP's identity is " frankly none of their business " that they allege " must " have come from this non existent form , perhaps they should read their own agreement At the end of paragraph it states ( In bold type ) " Upon receipt of merchant's notice of termination , MSP shall provide Merchant with a Cancellation From ( Yes it's misspelled ) to be filled out completely by Merchant and the representative from Merchant's new credit card processor ( if applicable ) In the event Merchant and Merchant's new credit card processor blah , blah , blah " That's where I got it Not from some form that was never sent and certainly never received
Regards,
*** ***

*** entered into a Merchant Agreement on December 29, 2006. The attached Agreement is properly disclosed that it will automatically renew, annually
"> If a cancellation is received prior to the end of their Agreement, the account will be subject to cancellation fees This merchant account renewed on December 29, and will remain in effect until December 29, 2014. Cancellation was received on January 21, 2013, eleven months early
To avoid cancellation fees, the merchant would need to supply a cancellation letter days prior to renewal and complete a cancelation for 0-100. Even though *** was outside of his fee-free cancellation rights, we faxed this form to *** in good faith. The fax transmission report confirms it was a successful transmission. *** contacted UMPA, stating that he was not completed the cancellation 0-form even though he agreed to it in the Merchant Agreement
UMPA followed the signed, properly disclosed Merchant Agreement by collecting a cancellation fee from ***. UMPA did not impose a “punishment” fee and UMPA is by no means “underhanded” or “dishonest”. UMPA upheld our Agreement with *** and met all terms and conditions. ***’s account is not eligible for a cancellation fee refund

Dear ***:
ID of
***
I’m sorry that *** is unhappy with our cancellation policy, especially since it was properly disclosed in the signed merchant agreement which *** entered into on October 5, 2011. ***’s contract did not expire until October 5, and requires a day prior written notice of nonrenewal. (please see attached signed merchant agreement)
Unfortunately, *** decided to terminate early and was subject to termination fees. These fees are outlined and explained in their contract and are not eligible to be waived. Cancellation and termination fees are standard with merchant processing accounts, no matter what company you choose to utilize.
Not only does UMPA offer completive discount rates, but our cancellation fees are the lowest in the industry. I apologize for the inconvenience our cancellation policy has causedThank you for your understanding
Sincerely, *** ** *** General Manager

I’m sorry that *** *** *** * *** is unhappy with our cancellation and credit policy, especially since it was properly disclosed in the signed merchant agreement
yes">
A merchant processing account is a line of credit. ***, *** and *** require every merchant account undergo bank underwriting and approval. Credit worthiness is reviewed, determined and also reported *** *** agreed to these terms which are explained within the merchant agreement. When *** *** placed a stop payment on her account fees, the account went into a delinquent status. The account was correctly reported to the credit bureau agencies as such. All merchant accounts are reported, whether good or bad.
*** *** did terminate her account February 2013. She was supplied the proper closure form but returned it incomplete, as “n/a”. Therefore, this account was subject to termination fees. As properly disclosed, failure to complete the form in its entirety will result in termination fees. These fees are outlined and explained in their contract and are not eligible to be waived. The termination fees could have been avoided, if *** *** would have completed the forms. Our customer service team has explain this to her several times
*** *** *** * *** was using loaned equipment through ***. The deconversion fees were agreed to at the time the account was opened. Many merchants often chose to use equipment on loan rather than purchase equipment outright. *** *** did return her loaned equipment. When loaned equipment is returned, it must be restored to its original operating settings. If not, *** *** *** * ***’ business information could become compromised. Once the equipment was restored, the deconverstion fee was billed
If anyone has any questions regarding this post or merchant processing accounts, I urge you to contact us directly at ***. Thank you

*** *** *** *** maintains an A rating
with the Revdex.com (Revdex.com).
To maintain that status, we must
ensure everything with our Merchant
Agreement is properly disclosed, including all fees and cancellation
requirements
*** ***’s claim that she did not request services is
false. On September 15, 2015, she signed
a Merchant Agreement for credit card services through UMPA. Not only did she sign the Merchant
Agreement, she also supplied a voided check to deposit and debit fees.
Her enrollment package was shipped to her and delivery was
accepted. On September 17th,
our Risk Manager spoke directly to her regarding a fraud alert on her credit
report. She was able to verify all
necessary information. *** *** did not
question or dispute services
Our technical support department left three messages for *** *** to call in to our office to train her on how to use her credit card
acceptance program. She did return their
call on October 2nd and went through all training necessary. *** *** did not question or dispute
services
Today, February 23rd, the accounting department
contacted *** *** that her fees for the program were returned to UMPA due to
NSF. *** *** claimed that she was
advised that she would not incur any fees unless she used the productThis is
not true. All fees are outlined in the
properly disclosed Merchant Agreement.
*** *** never made statement that she did not request services.
*** *** called back to get information on how to close her
account and became very rude to our Customer Service representative, using bad
language and raising her voice. The CSR
tried to advise *** *** that all cancellation must be in writing with
signature, which is properly disclosed within the Merchant Agreement
UMPA has received a cancellation from *** *** and will
close the account as per the Merchant Agreement, which does outline all
cancellation fees associated with her account.
*** *** is not due any refund

*** *** entered into a
properly disclosed Merchant and purchase Agreement with United Merchant
Processing Association (UMPA)
yes;"> Each Merchant
and Purchase Agreement is legally approved and grated use by the Card
Associations. All terms and conditions
are properly disclosedEvery agreement
is put through a stringent underwriting and credit & back ground check
approval process.
*** *** also signed a separate,
properly disclosed Leasing Agreement with *** Leasing to handle the financing
of his credit card equipment. UMPA is
not *** Leasing. UMPA is not debiting
*** ***’s $30.00/month for four years.
On December 2nd, *** *** spoke with UMPA, stating that he was not happy with the lease. In lieu of the lease, he was given a cash
option to purchase the equipment. He
wanted time to decide which payment option he wanted to use. December 10th we attempted to make
contact with *** *** but he was not available and was told to try again
tomorrow. The next day, we called, and
again, he was still unavailable.
Contact was finally made on
December 12th. *** ***
advised UMPA that the business is up for sale and is now in the hands of the
attorney. He said he was going to return
the equipment and send a cancellation letter to close his merchant processing
account
Once the cancelation notice was
received, our account retention department contacted *** ***. Every attempt was made to keep *** ***’s
account but he just wanted to cancel. He
was made aware that he signed a properly disclosed Merchant and Purchase Agreement,
which is subject to termination fees. He
requested copies of the merchant agreement which was sent via fax and hu
on our team member. Please see attached
fax confirmation sheet
As per the signed Merchant and
Purchase Agreement, *** ***’s account was subject to early termination
fees of $which was debited from *** ***. These fees are properly disclosed within the
Terms & Conditions of the Purchase Agreement, section
December 22nd, *** *** called UMPA, upset with the cancellation fees. He now claimed that he did not sign the
merchant agreement, that this was fraud and he was going to “tell everyone that
we are a rip-off”. We spoke with *** *** many times from November 14th through December 22nd. He even took possession of the credit card
equipment. During that period of time,
he never questioned the authenticity of his signature on the agreement. He never claimed fraud until the cancelation
fee was drafted.
UMPA has no tolerance for
fraudulent activities. This is
why each and every Merchant Application and Purchase Agreement is placed
through rigorous underwriting. All
agreements are signed with a representative present, witnessing
signatures. Signatures are also matched
against state issued driver licenses/identification. This is only a small part of the underwriting
process
I am including a copy of the Merchant
and Purchase Agreement, and the lease contract which is properly disclosed and
signed by *** ** *** of *** *** ***
Thank
you for allowing United Merchant Processing Association the opportunity to
respond to this consumer complaint

[redacted] is a merchant service provider that handles processing credit cards and transactions.  We offer general Technical Support 24/7, weekdays, weeknights, weekends and holidays- all day, all night.  Our support department is not one person.   It is a team of skilled support staff always ready to take merchant calls and troubleshoot or diagnose issues.   There are many different types of equipment a merchant can choose to process transactions.  With as many varieties available, it is not unusual to conference with a manufacturer of a product for input.  Merchants also have the option to contact the manufacturer directly for support of specific equipment. Credit card processing equipment changes frequently and often; as often as technology allows.  For instance, a cell phone that is purchased today may be considered “outdated” by the manufacturer within 14 months of purchase.  [redacted] does not manufacture equipment and has no control over the technology advancements. [redacted] is not placing blame on the merchant for the system they were using but [redacted] is not at fault if the system did not hold to the standard that the merchant expected.  [redacted] did provide technical support to the merchant.  [redacted] also offered direct support from the manufacturer.

United Merchant Processing Association stands by their cancellation policy & timeline.   All agreements, fees and charges are reviewed and approved by our legal team. UMPA has not violated the merchant agreement and did not impose any additional or erroneous fees to **. [redacted].  Our original response explains the termination fees, which were subject to this merchant account. 
**. [redacted] has his right to voice his opinion regarding his experience with United Merchant Processing Association.  When doing so, we hope he is honorable and remembers that he did sign the merchant agreement, agreeing to the terms and conditions of a cancellation.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: This is a Delaware corporation! Whether it has a personal guarantor or not is irrelevant, as [redacted] is withdrawing money from a corporate bank account and not from a personal account. Furthermore, I am the only signatory to the corporate account. Besides, I am relieving the personal guarantor of any liability by closing this account. To say that [redacted]'s response is anything less than stonewalling would be generous. Do they even understand what a corporation is? And are they given license to operate a financial business when they have no understanding of the difference between a corporation and an individual? Given that they are aware of my appointment as CFO, recorded in a corporate resolution on the company's letterhead, then their claim that they have no record of [redacted]. [redacted] as a customer is not only disingenuous but also mendacious, as [redacted]. [redacted] is not a customer nor will he be of this unethical company. I urge Revdex.com to take note that this is not the first time Revdex.com has received a complaint about this company's business practices when their customers demand a cancellation. I expect Revdex.com to reflect this unethical practice on the company's profile.
Regards,
[redacted]

[redacted] has no account in [redacted]. [redacted]'s name.  [redacted] is not an account holder with [redacted].  Even if [redacted] is an employee or an officer of a business, they are not the account owner on this line of credit. 
It is not that we do not want to assist a customer, it is that [redacted] can not release any information to [redacted]. [redacted].

This "form" was NEVER received. Had it been received we would have filled it out. UMPA never contacted about filling out this form and hit us with this charge some two months later. When we called to ask about it, they told me they would waive this fee if I came back. I view this fee as extortion. If it were more money I would take this to court and would win. Automatically renewing contracts rarely hold up in court.  As I said to UMPA, I would NEVER return to them, even if there rates were lower as I feel what they did was deceptive, dishonest and extortion in a feeble attempt to retain my business. Very sad.  The sole purpose of my compliant is to warn others of their "business practices" and how they take advantage of their unknowing customers.  
Thank You
[redacted]
 
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

We are sorry that [redacted] is unhappy with the terms and
conditions of his merchant account, especially since it was properly disclosed
in the signed merchant...

agreement which [redacted] entered into on April 8,
2015. 
 
May 6th, [redacted]’s credit card payment portal
was established.  Communication was sent,
advising him as such.  UMPA made numerous
calls after that, wanting to install the program and answer any questions he
may have had.  Each message left included
urgency to complete the set-up of the payment portal.  No return call was received. 
 
On September 1st, we made contact with [redacted].  He advised that he had been busy with employee
issues and that we are to call that next week. 
We did follow-up that following week and [redacted] never answered nor
did he return our calls. 
 
Six months after [redacted] signed the merchant agreement,
his account was subject to non-acceptance fees due to the refusal to complete
installation of the payment portal (refer to section 5 & 6 of the properly
disclosed purchase agreement) .  His merchant
agreement is properly disclosed as a two year agreement.  Refusal to complete installation of the
payment portal violated the two year agreement (refer to article 4 of the merchant
agreement). 
 
All agreements were properly disclosed and executed.  UMPA has not violated the merchant agreement
and has only followed all terms and agreements.