Annette Johnson Bookkeeping

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[redacted] needs to refund of $1234.00 this amount of  the extra chargers that main street did  to my account, I made my total payments paid $2109.00 the original balance was only  875.50 when [redacted] purchase the debt from [redacted]. I need a credit back for 1234.00Thank you [redacted] 
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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                              [redacted]Dear [redacted]:We are in the process of reviewing your request and will notify you upon its resolution, or if we are need of any additional information.Sincerely,Customer ServiceGreen Dot

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[redacted]   Thank you for your recent correspondence regarding the above-referenced individual.   We regret [redacted]’s dissatisfaction with our service. Our investigation found that the previous correspondence dated June **, 2016 was just recently received and was pending completion. We apologize for the delay.   The Speigel credit card account was established in November 1989 and First Consumer’s National Bank (“FCNB”) was the bank that funded the card. FCNB closed all Spiegel credit cards as of March *, 2003. The accounts were then forwarded to Card Processing Center to continue to collect on the outstanding balance until paid in full. A copy of the “Notice of Termination of Charging Privileges and Access Check Program” that was sent to [redacted] by FCNB is enclosed for your reference. Since the account was closed for use prior to the transfer in 2003, we are unable to provide specific details on the purchases or charges incurred at Speigel.   As a courtesy, we have waived three late fee charges of $25.00 each that were assessed on the account in March, April and June 2016 for a total of $75.00.   Sincerely, Donatella M[redacted] Card Processing Center Customer Service   Enclosures

The MacBook Pro was shipped to MacTLC on September 8, 2015 from the customer.The Mac was already taken apart. We checked the battery, top case and logic board. Wefound the logic board was out and provided no power. We then checked the hard driveand found the drive also damaged and...

we could not recover data. There were no chargesexcept $20 to cover shipping back to the customer.September 10, 2015: We attempted to contact the customer but had no contactinformation.October 21, 2015: Customer contacted MacTLC about shipping the MBP back to him.Shipping info was still not clear. At this point we failed to call the customer back toclarify. We did not hear back from the customer until June the following year.June 8, 2016: Customer called to get his MBP shipped. Mac had been boxed so it took usa few days to locate it. We store computers that have been left for more than 6 months.June 16, 2016: Shipped MBP to customer minus HDD.July 11, 2016: Ran HDD though data recovery one more time.We currently have the bad drive and can ship it back to the customer. There are servicesthat can recover the data such as Drive Savers although these recoveries usually runaround $2,000. This drive has failed beyond our capabilities for data recovery.As our Service tickets state..“Data Integrity: When working on your computer systems, we go to great lengths tomake sure your data stays intact. . Customer agrees that they shall have the soleresponsibility for backup of current data and safeguarding the software and data duringservice work performed at MacTLC.MacTLC is not liable for data loss or software damage due to any outside factor andcannot be held liable for data loss.”In this case, the computer and drive had already failed. Cost for replacing the logic boardwas more than the computer was worth so [redacted] declined the repair. We did attempt datarecovery twice and failed. There was no charge for any of our service.

Tell us why here...[redacted]’s secured credit card account was opened on March **, 2017.  It was determined that [redacted] has never successfully activated the card for his account.  On April **, 2017, [redacted] made an unsuccessful attempt to activate his credit card, through our automated phone system, from phone number ###-###-####, a telephone number other than [redacted]’s home telephone number of ###-###-####, our number of record.  No attempts at activation had been made prior to that date and none have been made since.Please be advised that our records indicate that the only telephone communication that ever occurred on the account was on March **, 2017, when an automated call was made to the cardholder to verify account activity which the cardholder was able to confirm.  No prior or subsequent communication between [redacted] and our associates has been recorded.  Additionally, our records indicate that no auto-pay arrangement has ever been established for [redacted]’s account, either by [redacted] or any other party.[redacted]’s account statement dated March , 2017 (copy enclosed) required that a minimum payment of $25.00 be paid no later than April **, 2017.  No payment was received and a late fee $25.00 was assessed on April **, 2017, in accordance with the terms and conditions of the cardholder agreement for the account (copy enclosed).  At this time, the account, which had not yet been successfully activated, also became delinquent.  Please note that this statement contained the $39.00 annual fee which [redacted] mentioned in his complaint, which was billed to his credit card account on March **, 2017.  No other $39.00 charge was charged to [redacted]’s account, at any time.[redacted]’s account statement dated April **, 2017 (copy enclosed) required that a minimum payment of $53.00 be paid no later than May **, 2017.  No payment was received, and a late fee of $25.00 was assessed on May **, 2017, in accordance with the terms and conditions of the cardholder agreement though the fee was waived as a courtesy on May **, 2017.  A nominal interest charge of $1.00 was also assessed to the account.[redacted]’s account statement dated May **, 2017 (copy enclosed) required that a minimum payment of $66.00 be paid no later than June **, 2017.  No payment has been received to date.In an effort to resolve this matter, an attempt to contact [redacted] by telephone was made on June *, 2017 at ###-###-####; however, the line was disconnected, so we were unsuccessful in our attempt to reach him.  A second attempt to reach [redacted] was made on June **, 2017 at ###-###-#### as well, though we were unsuccessful at reaching him.It was deemed appropriate to close the account on June *, 2017 and to refund [redacted]’s security deposit in the amount of $250.00.  [redacted] may expect to receive the refund no later than June **, 2017.

Letter attached...

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[redacted] Dear [redacted],Thank you for your recent correspondence regarding theabove-referenced individual.[redacted] Corp (“Main Street”) acquiredthis account as a performing [redacted] Business Credit Card in December of2010.  Pursuant to the terms and conditions that applied to this account,Main Street, through its servicer CardWorks, sent monthly statements andproperly applied and accounted for all payments and credits.  There is acurrent balance due; however, because Main Street’s policy is to satisfy itscustomers when possible, Main Street will agree to permanently close thisaccount and it will reflect a -0- balance.  If you need any furtherinformation please contact our customer service at ###-###-####. Thank you for the opportunity to respond.  Sincerely,Kathy P[redacted] Corp.Customer Service

[redacted]      [redacted]Dear [redacted]:Thank you for your recent correspondence
regarding the above-referenced individual.After conducting a thorough search of our
systems, including our auto-dialers, we were unable to find a matching record
for [redacted]...

[redacted] or any calls placed to the phone number listed on this complaint.
We searched by name, address, and the telephone number he provided. We therefore ask that [redacted] please provide
us with additional information, such as the telephone number showing on his
Caller ID and the number of his cell phone receiving the calls, so that we may further
research the matter. It would also be helpful if [redacted] could advise if the
caller left a message.Upon receipt of this additional information,
we will be happy to conduct another search in the hopes of resolving this complaint.
Thank you for the opportunity to respond.Sincerely,Kathy P[redacted]Customer Service

Revdex.com[redacted]Attn: [redacted] RE:      [redacted], Complaint ID# [redacted]CardWorks Acquiring Account Ending In [redacted] Dear [redacted]:Thankyou for your recent correspondence regarding the...

above-referenced individual.Wewould like to assure [redacted] that the early termination fee was assessed inaccordance with the terms and conditions she agreed to when signing theAgreement, and does not represent unfair billing practices. Section 4.04 of theTerms and Conditions (which appear both on the contract itself, and also on ourcompany website) clearly explain that when a contract is terminated, an earlytermination fee would be assessed, and would be based on the greater of a fixeddollar amount fee or the merchant’s volume representations set forth onSchedule A.  Inaddition, 50% of the early termination fee ($1,999.21) was already refunded on[redacted]’s statement of 7/**/15 (the billing cycle following herreinstatement). The second half of the fee is scheduled to be refunded,assuming she continues processing with CardWorks, after 6 months, in January2016. It is therefore unclear why the complainant believes she would need towait for a refund to be provided in numerous installments over long periods oftime, as this is not the way we do business.  Asfar as the Reserve Account that was established, which unfortunately resultedin one of her checks being returned unpaid, we ask that [redacted] refer tosection 3.05 of the Agreement, which fully explains the funding of a ReserveAccount.  Because [redacted] rejects occurred on this merchant account in bothNovember 2014 and December 2014, CardWorks established a $500 Reserve Accountto ensure that contractual fees would be readily available in a securityaccount going forward.  This is a standard practice in the industry, andwas also fully disclosed in the Agreement.CardWorkshas been providing merchants with payment processing services for nearly 30years and our goal is to help merchants build their businesses by offeringquality payment processing solutions at competitive rates. Our Agreements areclearly written and we encourage our clients to ask questions if there isanything that they believe is unclear. While we are happy to continueprocessing for this merchant at the terms outlined in the Agreement, should [redacted] choose to cancel her contract and use the services of another provider,she is certainly able to do so. In good faith, we will not request a refund of theportion of the termination fee that was already refunded. We apologize if therewas any misunderstanding that may have occurred between our sales rep and [redacted] and we genuinely hope that our professional relationship can remainintact so as to continue to benefit both of our businesses. Thankyou for the opportunity to respond.Sincerely, Russell B[redacted]CardWorks Acquiring