Zarlenga & Seltzer

This "form" was NEVER receivedHad it been received we would have filled it outUMPA never contacted about filling out this form and hit us with this charge some two months laterWhen we called to ask about it, they told me they would waive this fee if I came backI view this fee as extortionIf it were more money I would take this to court and would winAutomatically 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 businessVery 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] ***

[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 equipmentCredit 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and often; as often as technology allows For instance, a cell phone that is purchased today may be considered “outdated” by the manufacturer within months of purchase [redacted] does not manufacture equipment and has no control over the technology advancements [redacted] is not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

[redacted] [redacted] I am rejecting this response because: What this lady said was not true at all The bank CONFIRMED THAT I WAS RIGHT and that they took the money and then turned around and credited my account! They are trying to pull a scam and I didn't fall for itI was never paid twiceThat's a lieIf they had then my account would have had the plus the that was already in my account These people are crooks are they are incompetentI think they are crooks Regards, Paul Akins

[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: [redacted] I am rejecting this response because:All the facts have been laid outWe did not get a form regardless of their fax confirmationThey have no idea or way to prove the document ever even printed off the fax We did not get the form, if we did, we would have addressed itIt really is that simpleHad UMPA felt they needed to charge me an additional $for not filling out this form, they should have made a courtesy callI offered to have the form filled out when I called and was made aware of it, they refused Regards, [redacted] ***

[redacted] stands by their cancellation policy All termination guidelines & fees are properly disclosed within the merchant agreement which [redacted] signed Numerous calls were made to [redacted] , wanting to install his program He never returned our calls Every message that was left included our toll free number to contact the office directly It wasn’t until the cancellation fees were imposed that he called UMPA did not steal any money from [redacted] Our original response explains the termination fees which were subject to this merchant account [redacted] s has placed a stop-payment at his bank for the cancellation fee No money has been drafted from [redacted] ’ bank account [redacted] s expresses that he would like to install his program We are more than willing to work with himPlease contact our Customer Care Department at ###-###-#### I’m confident we can get this resolved

[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: [redacted] I am rejecting this response because:Regards, [redacted] I like first to say from the second day I told the company I didn't want to lease or purchase there machine They did not try to contact me several times, which I am at my business six days a week and answer all calls When first asking for the fax I was faxed seven pages I keep telling them that I never signed a contract, and I am willing to go to court to prove it After reviewing there response that they submitted to the B.B.B, and when I looked at the attachment I was totally surprised and shocked There are nine pages that were extra that was not in my first fax to me I wish you would check out the signatures that are totally different from my drivers license and first document of the first bank statement that I sign so they could get my bank information Please review the signatures throughout these pages and give me your thoughts, and you will also agree that I did not sign this contract

We are sorry that ** [redacted] is still unhappy ** [redacted] agreed to and signed the terms and conditions of his contract United Merchant Processing Association stands by their cancellation policy & timeline All agreements, fees and charges are reviewed and approved by a legal team, [redacted] , [redacted] and [redacted] UMPA has not violated the merchant agreement and did not impose any additional or erroneous fees Our original response explains the termination fees, which were subject to this merchant account The cancellation forms were faxed to ** [redacted] and the transmission report confirms delivery Attached is the delivery confirmation The fax number was verified with ** [redacted] as his and fully functional

[redacted] has no account in [redacted] * [redacted] 's name [redacted] is not an account holder with *** 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 *** can not release any information to [redacted] * [redacted]

[redacted] has no account in [redacted] * [redacted] 's name [redacted] is not an account holder with *** 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 *** can not release any information to [redacted] * [redacted]

I’m sorry that [redacted] is unhappy with our cancellation policy, especially since it was properly disclosed in the signed merchant agreement [redacted] ***’s agreement was signed May 24, and auto renewed in and again in The merchant agreement was due to renew again in [redacted] contacted our customer service center a few times during the term of his contract for support He never questioned the terms of his merchant agreement during any of those calls [redacted] 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 [redacted] offer completive discount rates, but our cancellation fees are the lowest in the industry All costs, terms & conditions were outlined to [redacted] within his merchant agreement At no time did [redacted] perform any “bait and switch” tactics I apologize for the inconvenience our cancellation policy has causedThank you for your understanding

[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: [redacted] I am rejecting this response because: A portion of their statement is correct and I appreciate them pointing that outI was in the process of restructuring my company and explained to Curt Schilling my representative of UMPA that I was about ready to set up the portal in OctoberI had just gotten rid of the final employee I needed to before I could set up anything new I explained this to Curt in detail we spoke and everything was good I was going to set up the portal the following weekThe next week I hadn't an attempted fraudulent charge by UMPA for a "cancellation fee" I was never notified it had been canceled or I would be charged any feesI am already under contract and had not even sent them a cancellation letter much less one to UMPAI was not in breach of anything I had been communicating withy representative and he said everything is fine "YOU CAN SWITCH TO OUR NEW SYSTEM WHEN YOU ARE COMFORTABLE AND READY TO DO SO" his wordsI did not have much communication with the actual office that canceled my agreement and that apparently is the problemSo maybe they should realize that they have account representatives and not focus on simply having a piece of paper and then just taking money be the piece of paper says soNot to mention a two year agreement or cancellation fees were never disclosed to me by anyoneI didn't switch to another companyI didn't do anything wrong and to charge me for nothing simply because they didn't hear from me is insaneMaybe their representative in their own company should have talked to them and said I was still ready to implement their problemI received another letter from them today adding on more fees bc I have refused to pay this ridiculous cancellation feeThis is the worst company I have ever dealt with in my lifeAll they have to do is work with me and they refuse they just want money for nothing and that is stealing and it is wrong, periodThey have not provided me w one service but yet still on 11/9/15charged me another monthly fee! How can you charge me another monthly fee if the contract is canceled! This is insane and something has to be done to correct thisI attached pics showing they are tacking on more and also still charging me a monthly fee for having an accountI will take any means necessary to resolve thisI have said I'm willing to set up the portal I have said it over and over I am willing to compromise and apparently they are not Regards, [redacted]

United Merchant Processing Association has no record or account in the name of [redacted] 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.

Tell us why here...I reached out to Paul at [redacted] to advise him that one of his customers was disputing a credit card charge and he was going to receive a debit in the amount of $ At this time he told me the money would clear and I told Paul I would need his documentation to send back to Credit Card Holder so they would reverse the chargeback On 9/7/I sent the information to the Credit Card Company and they reversed the chargeback and put the money into his account.9/15/17, Received a notice from Charter Electrics bank that the account had insufficient funds.9/18/rekeyed the debit for the original insufficient fund amount9/18/A message was left for him and we sent him an email that he owes us the money and he called me and he said we debit his account and got the money, we called his bank and talked to Cody (a female) and she confirmed that we never got paid and it was due to nsfHe argued that we took the moneyHe said he had dollars in his account and we took the money and put it back the next dayNo matter what I said this never was shown to come to lighthe never understoodHe kept emailing me and calling me cussing and I got to the point where I told him we do not have his money we never got paid and I do not know how else to explain this to himI attempted to talk to Paul and explain that if you have $in your bank account you can’t take $from that The money he saw going into his account the next day was actually because I submitted his documentation and the chargeback was reversed I explained that he was paid originally for $on 8/7/when he ran the charged we attempted to debit him and that did not go through and then we paid him again on 9/7/so he has our money He was actually paid twice and we are out the money His bank representative confirmed this in a way call but he refused to listen.After this he repeatedly called me and was cursing and calling me names when I only attempted to help him.9/26/the rekey also bounced Sent him a letter from our attorney that the monies are due