Champion Auto Glass

Hello Revdex.com,Firstly, it is May, and [redacted] ***s account has been closed since March This was handled by me personally and resolved within one week: [redacted] ***At this point, this fake business owner, likely [redacted] **/ [redacted] ***, is engaging the Revdex.com for the sole purpose of harassing our organization Universal Processing's CEO has reached out to the Revdex.com personally numerous times, and is awaiting a response, because we are ready to file our own formal complaint, as this matter has turned into pure harassment by a fraudulent merchant, directed at Universal with the Revdex.com's ongoing assistance.To address these issues: [redacted] *** had reached out to [redacted] to peacefully resolve matters and ask that the harassment be put to a stop This is defamation in its purest form, as the account in question has been closed for at least weeks at this point The person writing this email has no clue because they are indeed not the actual [redacted] ** Additionally, this is hearsay, and the complaining party has no actual proof, while writing many other accusations [redacted] **/ [redacted] had threatened to make multiple posts on social media, and indeed it has happened This too is hearsay, so we will not pursue claims on this matter We can, however, pursue claims on the multiple other lies that the supposed merchant has stated throughout the numerous filings with the Revdex.com The writer of this email admits that all refunds have been sent Perhaps not within her desired timing, but my operations team had explained to her numerous times during [redacted] **, [redacted] ***'s 100+ phone calls that processing companies like First Data that handle trillions in volume have certain funding windows Universal Processing is not in control of those funding windows As stated in other emails, we have not only lost money on this client, there have been over colleagues at Universal that have had the pleasure of dealing with [redacted] **, and they have diligently answered over emails We, more than anyone have expended more time and resources than is reasonable, and are now the victims of continued harassment The business relationship has been ended since March *** We have never requested a deposit, as stated in prior emails, and never collected one dollar in deposit fees from the merchant The writer of the complaint has no actual proof that a deposit was collected, and continues to harass us regarding this, though the true owner, [redacted] **, knows that a deposit was never collected Once again, this account is closed and we want nothing to do with Lucky Shop or its owner, and especially not the owner's sister, [redacted] **/ [redacted] *** The merchant was never charged a $cancellation fee, so the claim of advertising is untrue The merchant was not forced to stay with us for months, as the last transaction performed by [redacted] was on 0317, while the account closure was implemented on 0317:" [redacted] * "Once again, we ask that the Revdex.com please review the evidence at hand and stop supporting this fake business owner in spreading lies and damaging our reputation The business relationship has already ended for nearly two months, but the harassment continues Our CEO is also awaiting a response.Regards,Nana H**VP of OperationsUniversal Processing LLC

Hello Revdex.com,I would like to take this time to address [redacted] ***'s concerns:As for Universal Processing doing something illegal, based on my Business Law studies, advice from company counsel, and legal websites:"If a contract does not specify its effective date, it goes into effect on the date it was signed by the person to whom the contract was offered for a signatureIf this person’s signature is not dated, then the contract is effective the moment the agreement left his handsFor example, if the contract is being returned by mail, the acceptance would be valid the moment the signed contract was dropped in the mail." -cited from [redacted] There is no dispute from the business owner's end that they had signed Universal's contract, as per their own admission The very fact that [redacted] is citing that "the company is doing something illegal" time and again constitutes corporate defamation, and once again, Universal Processing will pursue legal action if this kind of talk persists, especially on a public forumOnce again, because [redacted] admitted to signing a legal contract that comes with certain financial obligations, these charges, at the very least, the first monthly charge, are legally his responsibility, and both Universal Processing and [redacted] are the parties suffering damages due to the merchant's stop payments We had already offered to return each dollar collected, and in this case, the merchant is asking for a refund of $54.95, when our offered refund was $in our prior response:"We are willing to make a full refund of each dollar collected in the amount of $64.95, as we at Universal Processing have no interest of keeping both an unwilling and dishonest customer on our books."We have already performed a full refund of $54.95, and as per our close relationship with [redacted] executives, have already expedited the settlement of any collection attempts, as no additional monies owed to Universal and [redacted] have been collected to dateThere is no evidence of Universal Processing doing anything "unhonest," as per client's accusations Once again, this is a case of a client that accepted physical hardware from us in the form of a "Swipe Simple" device, and the client later declined using our device, despite signing our agreement and enrolling in our services As stated above, though Universal is taking a loss on hardware deployment and shipping costs, we have no interest in keeping an unwilling customer on our books.In closing, we have already handled this matter in advance Notes are directly from the customer relationship management system of [redacted] :"EX 11:02: [redacted] - [redacted] - SettlementBalance due waivedEX **:47:- [redacted] - UnderwritingTicket # [redacted] Refund approved by Paris P***EX **:47: [redacted] - [redacted] - UnassignedIssuing refund in the amount of $(April fees )Submitted by Mike H [redacted] "Every dollar has already been refunded and entire balance has been waived, as of In addition, Universal Processing, in the interest of closing this dispute, would like consideration from the Revdex.com to remove this dispute, as we believe all claims to have been invalid Universal has already proactively handled matters and refunded fees legally and rightfully due to our parties and wish for this poorly informed complaint to be closed in the interest of preserving our company's ethical reputation Thank you for your consideration.Regards,Saint H***Director of Business DevelopmentUniversal Processing LLC

Hello Revdex.com,I am fully aware of this client and unfortunately, they have not been fully honest and are using the Revdex.com, a reputable non-profit organization, to wrongly discredit my organization The merchant willingly opened an account with us on after signing our agreement and allowing us to submit it for underwriting, along with accepting the hardware peripherals to prepare them for processing, called a "swipe simple" (notes below):EX 02:33:- adixsonUN - UnderwritingApproved w/ $6K vol and NDFIN 12:50:- Gabbi- Underwriting [redacted] Alert ** No terminal, just a swipe simpleFurther, the merchant was indeed charged monthly fees and account fees of $for April in early May, and $again for May in early June, but unfortunately, we were never able to collect upon the $in May charges due to the business owner defaulting on her payment from stop payment (notes below):EX 02:51:- [redacted] - SettlementACH reject $(Payment stopped) May feesIncurred $feeEX **:08:- FirstData - UnderwritingACH REJ R$FORWARD TO COLLECTIONS [ERS, ER, S]EX 06:04:- FirstData - UnderwritingACH REJ R$RECEIVED [ERS, ER, S]As a result, our company to date, has only successfully collected upon one charge of $in April as well as $in June, which we are contractually allowed to collect upon because merchant willingly allowed us to open an account on her behalf We are willing to make a full refund of each dollar collected in the amount of $64.95, as we at Universal Processing have no interest of keeping both an unwilling and dishonest customer on our books If the merchant chooses to wrongly discredit my organization any further, we will take legal action against this merchant, as their accusations are untrue and harmful to our firm's long standing and honorable reputation In addition, please remove this complaint from our records once resolved, because this is an invalid claim, and it is our opinion that our organization only be judged upon any claims in which true fault or wrongdoing was performed by our organization.Regards,Saint H***VP of Business DevelopmentUniversal Processing

They clearly explained options, offered very competitive prices, gave me install dates that were within two days of my contacting themThey did the repair expertly at my home--no leaks with recent heavy rain-showing up on time for a scheduled appointment having called in advance to confirmThey offer a better than average warranty, and noted they do the glass repairs/replacements for the dealer where I bought my carHighly recommend

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: [Your Answer Here] The merchant is not telling the truthThe account was transfer from the old one to new one, however, the merchant set up the transfer date to by end of Dec instead of Jan *** 2017, which caused a duplicated charge in both old account and new accountI contacted the customer service on Jan [redacted] to report this issue and asked for a refund, and the customer service said the full refund will be processed on Jan [redacted] I had been waited for a month but have never seen the refund being processedThe full refund is $monthly additional charge plus $monthly chargePlease refer to the attached:message regarding refund.pdfbank charge and cancellation and Signed Application.pdfold account 12.**Statement .pdfnew account 12.**Statement.pdf I was very disappointed and requested the cancellation of serviceOnce I made the request, the merchant was back out what they promised regarding the refundThey claimed that the refund is based on the business relationship but if I wanted to terminate the service they will only refund $instead of $ And also the merchant doesn’t allow us to close account until days laterThe merchant claim that if I don’t wait for days they will charge me for $I requested a copy of the original applicationThere is no where says I need to give a cancellation notice days in advance.Please refer to the attached: bank charge and cancellation and Signed Application.pdf I have been waiting for the refund for two monthsThey did not process anything until after I opened up a case with Revdex.comNow what I really need is to close the accountI want the account to get close and need them to refund the deposit of $For the pinpad fee $48, which they charge for a full year serviceSince I only used their service for three months, I requested for a prorated refund $=48*9/If the account gets close in March, I would not agree they charge for a full month service feeMy account without swiping any transaction they charge me about $I don’t want to deal with the merchant any longerIt really sucks In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] **

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: [Your Answer Here] Again, Global Processing LLC should not charge anything on this account since they claim it is free set up and free cancellationPlus, the account was set up without the consent of the ownerPlease refund in fullThe difference between refund in full and current refund is $Thanks In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

Dear Revdex.com, I am Nana H**, VP of Operations at Universal Processing, and I have personal knowledge and experience with this case. Firstly, please note that this supposed “merchant” is not the actual merchant on record. Joe W* is the actual signor, owner and merchant on record of both * *
*** as well as *** *** ***. *** *** “***” *** is the sister of the merchant, and has been harassing my Operations Team for nearly months. Despite our company policy of dealing only with owners or officers of businesses regarding account matters, we were flexible and had assisted *** *** multiple times because she identified herself as a family member of the owner. We maintain account in good standing with MrW*, as all appropriate refunds and misunderstandings have been hashed outUnfortunately, our kindness and flexibility over points of contact with no less than Universal Customer Support agents interacting with *** ***, multiple days where *** *** called in 10+ times complaining about the same matters, went unnoticed (records attached). *** *** asked for refunds on industry dues and fees which are non-revenue generating for our organization, and are mandatory for all card acceptors. Additionally, though both accounts generate very little activity, one of our Customer Support personnel, Will W*** had answered no less than separate emails, primarily within the course of days, with *** *** (record attached)In the case of this matter, for * * *** we had informed the owner, Joe W* already, an account closure was requested on 02/**/2017, and a refund for $requested and submitted on 02/**/2017: “*** ” The owner Joe W* had agreed to this refund of $25, and have told us that he is satisfied with this arrangementWe have attached the logged call records from our Customer Service database, but please realize that there were many more calls that only involved threats and shouting from our non-client *** ***. *** *** has gone as far as create multiple accounts on social media to berate Universal Processing publicly despite not actually holding any legal contract or business relationship with us. We find it regrettable that there are individuals that are so vindictive and cannot respect U.Sbusiness etiquette, or maintain mutual respect amongst professionals, and ask that the Revdex.com review this scenario and please close this case as it is invalid and should be voided; Universal Processing has gone above and beyond to keep the owner on record, Joe Wu, satisfied, and both accounts that *** *** has sent complaints about had already been resolved prior to these frivolous complaintsRegards, Nana H**VP of Operations Universal Processing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
I don't agree with what the manager saidFirstly, I have my own store and Joe has his own storeJoe introduced Universal Processing, LLC to meKai Z*** was the initial contact person from Universal ProcessingI asked him about the detail rate planKai said he would like to meet in personI told him I did not have time, but he can pass the payment plan detail information to Joe and I can get it from JoeKai Z*** assigned Katrina L** to follow up with JoeHowever, Katrina never came to my store and asked me to sign the contractWhen I found out Joe already passed my store information to Katrina L**, I called both Katrina and Kai that I don't want to sign up with Universal ProcessingI also texted both of them and please see the attachedSecondly, the attached conversation with Will W*** from Universal Processing is not regarding my accountThirdly, the $refund was actually posted as of date today when they responded back to Revdex.comFourthly, all the trouble I have been through only proves that your company is lack of management control and data controlFifthly, the back and forth does cost me a lot of timeIf your company could properly handle everything, it would not have caused me so much time to make the phone calls and eventually I have to open a Revdex.com caseI did post on***e review but only one review and it is proper reviewFinally, I wanted to request the full refund of $49.95.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
The company is doing something illegalI did sign the contract with them [ I didn't put any date, I told the agent I would let her know once we are ready, I also sent an text message to their agent *** to make sure dont put the date, I'll start to use after they show me their new device ], but what's an agreement for? The agreement is used to rule our transaction as the company give me service, we should pay for the serviceHowever, in these billing cycles, they didn't provide me any service [no systerm, no machine, even no call ], they ruined the contract, why they can charge me every month? It is absolutely illegalThis company said I am an unhonest customerI could say I've never been a liarI tried to call them to solve the problem in May after I recieve my first billTheir customer representive told me don't worry, they will refund me once we start to use their service, and they said I would not receive any bill next monthThen I called the bank to block their future chargement in case they forgot what they saidApparently they were telling a storyIn June the Priority payment system collection department sent me a bill [06-**- $79.95] beause our bank stop their chargementI called them again at this moment, " you said I won't get any more bill, what's this, why I got it agian", this time they told me "just forget it, we'll deal with it, don't worry"Then we receive another bill several days ago sent on 07-**-for $114.95, this time I called *** *** *** collection department where the bill from [ number ###-###-####], this is the first time I knew I have a balance for $in their systems, the bill I received is right and the same as their system, which means they have never changed my balance as they told me in the phone calls All the things shows they are an unhonest company, they used one and one story to play their customer, keep charging without providing any serviceFor the amount they have already charged [ $54.95], please refund to meFor the bill I received, please clear my balance as and send a comfirmation to my email and *** *** *** collection department
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Hello Revdex.com, Let me first say that it is unfortunate that we have to respond to both complaints #*** and #*** for a third time, and this is unacceptable As these requests are not from the actual merchant who we are doing business with, and as of this point, the Revdex.com is facilitating this non-merchant's harassment and fraudulent misrepresentations, I am personally asking for this to be escalated to Revdex.com managementTo address these accusations by this non-merchant: *** ***/*** *** *i is not the owner, or at least not the individual that Universal Processing has been doing business with. We do business with Joe W*, and if Joe W* indeed misrepresented his status to us, *** *** can file a legal complaint against Joe Wu. Further, the account was submitted and already set up prior to the January *** to 1*** time frame, as we’ve stated before, so this merchant is either unaware of facts, or lying, as she has since the beginning of this frivolous complaint:
*** *** * *** * ***
***
*** *** * *** * ***
** *** *** *
As you can see from our time-stamped records, the account was approved and activated on 12/**/2016, and this was for the opening of the account.2. The application form which we have reviewed was signed multiple times by Joe, and has been cancelled as per Joe’s request. The agent was not compensated, as this was known by the agent due to our very clear and organized compensation policy, so a “claim she deserved for some kind of rewards so she dec***ed to refund” is an embellishment at best, if not an outright lie. A summary of that communication between the agent’s sales manager and our CEO is attached.3. Once again, according to the legal contract in which Joe Wu is bound, there is no mention of *** ***, and this matter has already been resolved. If *** *** actually had full access to the checking account, she would see that the $minimum fees were already refunded prior to her continued complaints. These funds are already submitted in MrWu’s checking account that was provided to us:
*** *** * *** * ***
** *** *** *** *** *** ***
*** *** * *** * ***
** *** *** *** *** *** ***
*** *** * *** * ***
*** *** * *** *** **
*** *** * *** * ***
*** *** *** *** ** *** ***
*** *** * *** * ***
*** *** ** *** *** ** *** *** *** *** *** *** *** *** ** *** ***
Further, the $was indeed a mistake and was instantly refunded before this complaint was submitted prior to her continued complaints. This was discussed with MrW*, the owner on record, and funded today:
*** *** * *** * ***
*** *** * *** *** *** *** ***
*** *** * *** * ***
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*** *** ** *** *** ** *** *** *** *** *** *** ** *** *** *** *** *** ** *** ** *** *** ** ***
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Please note that this non-merchant has harassed our CEO (attached), and has represented herself as the “manager,” not “owner” of either business. There are multiple conflicting stories regarding what her interests are, but none of them are consistent, other than the evidence we have at hand that this individual is not logical and simply causing trouble for the sake of causing trouble.She has called in to our parent processor trying to access an account she legally does not have access to (log attached). No accredited financial institution, including ourselves, will actually release sensitive financial information to someone that simply represents themselves as “the sister” of the actual account holder.She has also posted multiple negative reviews over social media under fake account names (attached) Both one star reviews under "*** ***" and "*** **" were left by her, as she proudly confirmed such in multiple phone conversations when we were trying to ask her to stop harassing us.Myself, my operations team, the agent, and the sales manager have had at least interactions with her in which we’ve asked her nicely what she wants, and she’s responded to us with “I lost my full time job, so I will cause as much trouble for all of you as possible.”Please once again understand that we have been member of the Revdex.com for over a decade and we whole-heartedly uphold the integrity and ethics that the Revdex.com stands behind. What this non-business owning individual stands for is not justice, but harassment and fraud Once again, we are asking the Revdex.com to remove this claim, because this is not a claim from an actual business owner we do business with Further, we would like this escalated, as we do not appreciate the Revdex.com's support of this fraudster's attempt to defame our organization, and would prefer this not to become a legal matter.Regards, Na H**VP of OperationsUniversal Processing LLC

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:

[Your Answer Here]
1.       The merchant is not telling the truth. The account was transfer from the old one to new one, however, the merchant set up the transfer date to by end of Dec 2016 instead of Jan [redacted] 2017, which caused a duplicated charge in both old account and new account. I contacted the customer service on Jan [redacted] 2017 to report this issue and asked for a refund, and the customer service said the full refund will be processed on Jan [redacted] 2017. I had been waited for a month but have never seen the refund being processed. The full refund is $14.95 monthly additional charge plus $60.76 monthly charge. Please refer to the attached:message regarding refund.pdfbank charge and cancellation and Signed Application.pdfold account 12.**.2016 Statement .pdfnew account 12.**.2016 Statement.pdf 2.       I was very disappointed and requested the cancellation of service. Once I made the request, the merchant was back out what they promised regarding the refund. They claimed that the refund is based on the business relationship but if I wanted to terminate the service they will only refund $32.74 instead of $ 75.62. And also the merchant doesn’t allow us to close account until 60 days later. The merchant claim that if I don’t wait for 60 days they will charge me for $495. I requested a copy of the original application. There is no where says I need to give a cancellation notice 60 days in advance.Please refer to the attached: bank charge and cancellation and Signed Application.pdf 3.       I have been waiting for the refund for two months. They did not process anything until after I opened up a case with Revdex.com. Now what I really need is to close the account. I want the account to get close and need them to refund the deposit of $150. For the pinpad fee $48, which they charge for a full year service. Since I only used their service for three months, I requested for a prorated refund $36 =48*9/12. If the account gets close in March, I would not agree they charge for a full month service fee. My account without swiping any transaction they charge me about $75. I don’t want to deal with the merchant any longer. It really sucks.
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and the matter has been resolved.
Sincerely,
[redacted]

Hello Revdex.com,Firstly, it is May, and [redacted]s account has been closed since March.  This was handled by me personally and resolved within one week:*
[redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted]At this point, this fake business owner, likely [redacted]/[redacted], is engaging the Revdex.com for the sole purpose of harassing our organization.  Universal Processing's CEO has reached out to the Revdex.com personally numerous times, and is awaiting a response, because we are ready to file our own formal complaint, as this matter has turned into pure harassment by a fraudulent merchant, directed at Universal with the Revdex.com's ongoing assistance.To address these issues:1.  [redacted] had reached out to [redacted] to peacefully resolve matters and ask that the harassment be put to a stop.  This is defamation in its purest form, as the account in question has been closed for at least 6 weeks at this point.  The person writing this email has no clue because they are indeed not the actual [redacted].  Additionally, this is hearsay, and the complaining party has no actual proof, while writing many other false accusations.2.  [redacted]/[redacted] had threatened to make multiple posts on social media, and indeed it has happened.  This too is hearsay, so we will not pursue claims on this matter.  We can, however, pursue claims on the multiple other lies that the supposed merchant has stated throughout the numerous filings with the Revdex.com.3.  The writer of this email admits that all refunds have been sent.  Perhaps not within her desired timing, but my operations team had explained to her numerous times during [redacted], [redacted]'s 100+ phone calls that processing companies like First Data that handle trillions in volume have certain funding windows.  Universal Processing is not in control of those funding windows.  As stated in other emails, we have not only lost money on this client, there have been over 10 colleagues at Universal that have had the pleasure of dealing with [redacted], and they have diligently answered over 100 emails.  We, more than anyone have expended more time and resources than is reasonable, and are now the victims of continued harassment.4.  The business relationship has been ended since March [redacted].  We have never requested a deposit, as stated in prior emails, and never collected one dollar in deposit fees from the merchant.  The writer of the complaint has no actual proof that a deposit was collected, and continues to harass us regarding this, though the true owner, [redacted], knows that a deposit was never collected.  Once again, this account is closed and we want nothing to do with Lucky Shop or its owner, and especially not the owner's sister, [redacted]/[redacted].5.  The merchant was never charged a $495 cancellation fee, so the claim of false advertising is untrue.  The merchant was not forced to stay with us for 2 months, as the last transaction performed by [redacted] was on 03/**/17, while the account closure was implemented on 03/**/17:"[redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] * [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] * [redacted] [redacted] [redacted] [redacted] [redacted] * [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] * [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] * [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] * [redacted] [redacted] [redacted] [redacted] [redacted] *  "Once again, we ask that the Revdex.com please review the evidence at hand and stop supporting this fake business owner in spreading lies and damaging our reputation.  The business relationship has already ended for nearly two months, but the harassment continues.  Our CEO is also awaiting a response.Regards,Nana H**VP of OperationsUniversal Processing LLC

Hello Revdex.com,I would like to take this time to address [redacted]'s 3 concerns:1. As for Universal Processing doing something illegal, based on my Business Law studies, advice from company counsel, and legal websites:"If a contract does not specify its effective date, it goes into effect on the date it was signed by the person to whom the contract was offered for a signature.1 If this person’s signature is not dated, then the contract is effective the moment the agreement left his hands.2 For example, if the contract is being returned by mail, the acceptance would be valid the moment the signed contract was dropped in the mail." -cited from [redacted]There is no dispute from the business owner's end that they had signed Universal's contract, as per their own admission.  The very fact that [redacted] is citing that "the company is doing something illegal" time and again constitutes corporate defamation, and once again, Universal Processing will pursue legal action if this kind of talk persists, especially on a public forum.2. Once again, because [redacted] admitted to signing a legal contract that comes with certain financial obligations, these charges, at the very least, the first monthly charge, are legally his responsibility, and both Universal Processing and [redacted] are the parties suffering damages due to the merchant's stop payments.  We had already offered to return each dollar collected, and in this case, the merchant is asking for a refund of $54.95, when our offered refund was $64.95 in our prior response:"We are willing to make a full refund of each dollar collected in the amount of $64.95, as we at Universal Processing have no interest of keeping both an unwilling and dishonest customer on our books."We have already performed a full refund of $54.95, and as per our close relationship with [redacted] executives, have already expedited the settlement of any collection attempts, as no additional monies owed to Universal and [redacted] have been collected to date.3. There is no evidence of Universal Processing doing anything "unhonest," as per client's accusations.  Once again, this is a case of a client that accepted physical hardware from us in the form of a "Swipe Simple" device, and the client later declined using our device, despite signing our agreement and enrolling in our services.  As stated above, though Universal is taking a loss on hardware deployment and shipping costs, we have no interest in keeping an unwilling customer on our books.In closing, we have already handled this matter in advance.  Notes are directly from the customer relationship management system of [redacted]:"EX 08/**/2015 11:02:** - [redacted] - SettlementBalance due waivedEX 08/**/2015 **:47:06 - [redacted] - UnderwritingTicket #[redacted] Refund approved by Paris P[redacted]EX 08/**/2015 **:47:** - [redacted] - UnassignedIssuing refund in the amount of $54.95 (April 2015 fees ). Submitted by Mike H[redacted]"Every dollar has already been refunded and entire balance has been waived, as of 08/**/2015.  In addition, Universal Processing, in the interest of closing this dispute, would like consideration from the Revdex.com to remove this dispute, as we believe all claims to have been invalid.  Universal has already proactively handled matters and refunded fees legally and rightfully due to our parties and wish for this poorly informed complaint to be closed in the interest of preserving our company's ethical reputation.  Thank you for your consideration.Regards,Saint H[redacted]Director of Business DevelopmentUniversal Processing LLC

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:

[Your Answer Here]
 
Again, Global Processing LLC should not charge anything on this account since they claim it is free set up and free cancellation. Plus, the account was set up without the consent of the owner. Please refund in full. The difference between refund in full and current refund is $25. Thanks.
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Dear Revdex.com,I am Nana H**, VP of Operations at Universal Processing, and I have personal knowledge and experience with this case.  Firstly, please note that this supposed “merchant” is not the actual merchant on record.  [redacted] is the actual signor, owner and merchant on record of both **...

[redacted], as well as [redacted].  [redacted] is the sister of the merchant, and has been harassing my Operations Team for nearly 3 months.  Despite our company policy of dealing only with owners or officers of businesses regarding account matters, we were flexible and had assisted [redacted] multiple times because she identified herself as a family member of the owner.  We maintain 1 account in good standing with [redacted], with the other account already closed in a mutually agreed upon manner, as all appropriate refunds and misunderstandings have been resolved prior to these complaints.Unfortunately, our kindness and flexibility over 200 points of contact with no less than 10 separate Universal Customer Support agents interacting with [redacted], multiple days where [redacted] called in 10+ times complaining about the same matters, were obviously unappreciated (records attached).   [redacted] asked for refunds on industry dues and fees which are non-revenue generating for our organization, and are mandatory for all card acceptors.  Additionally, though both accounts generate very little activity, one of our Customer Support personnel, Will W[redacted], had answered no less than 100 separate emails, primarily within the course of 30 days, with [redacted] (record attached).In the case of this matter, [redacted], we had reached an agreement with the owner, [redacted] already, to refund $14.95 and $60.67 already and he was informed that the refunds were processed, but the transaction, which happens on the bank side, would occur at the end of the month when the billing cycle occurs.  This is after a pricing decrease as well as 3 other refunds had already been requested and in process:"
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"[redacted], once again the merchant on record, has already been informed of this and is processing on this account, account #[redacted], to this date, with a breakdown of the most recent transactions below:"
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"With that said, [redacted] is utilizing our hardware, so no $150.00 deposit will be refunded, because the above transactions are proof that the payment processing hardware is onsite and actively being used.  The $48 "onetime charge" was notified legally and clearly in written English on their statement.  The message has been reproduced below:"          IF YOU CURRENTLY PROCESS PIN DEBIT TRANSACTION, USING A DEBIT PINPAD, A PIN          DEBIT NETWORK ANNUAL FEE OF $48 WILL BE BILLED ON YOUR OCTOBER 2016 MERCHANT          STATEMENT AND WILL APPEAR AS A ONE TIME CHARGE.  THIS IS TO OFFSET ANNUAL          PARTICIPATION FEES BEING ASSESSED BY [redacted] AND ACCEL DEBIT          NETWORKS."There is nothing to resolve, because this has been discussed and mentioned dozens of times to [redacted], and further, has been understood and resolved by our actual customer and business owner, [redacted].We have attached the logged call records from our Customer Service database, but please realize that there were many more calls that only involved threats and shouting from our non-client [redacted].  [redacted] has gone as far as create multiple accounts on social media to berate Universal Processing publicly despite not actually holding any legal contract or business relationship with us.  We find it regrettable that there are individuals that are so vindictive and cannot respect U.S. business etiquette, or mutual respect amongst professionals, and ask that the Revdex.com review this scenario and please close this case as it is invalid and should be voided; Universal Processing has gone above and beyond to keep the owner on record, [redacted], satisfied, and both accounts that [redacted] has sent complaints about had already been resolved prior to these frivolous complaints.Regards, Nana H**VP of Operations Universal Processing

Hello Revdex.com,I am fully aware of this client and unfortunately, they have not been fully honest and are using the Revdex.com, a reputable non-profit organization, to wrongly discredit my organization.  The merchant willingly opened an account with us on 04/**/15 after signing our agreement and allowing...

us to submit it for underwriting, along with accepting the hardware peripherals to prepare them for processing, called a "swipe simple" (notes below):EX 04/**/2015 02:33:45 - adixsonUN - UnderwritingApproved w/ $6K vol and NDFIN 04/**/2015 12:50:31 - Gabbi2014 - Underwriting** Alert ** No terminal, just a swipe simpleFurther, the merchant was indeed charged monthly fees and account fees of $54.95 for April in early May, and $54.95 again for May in early June, but unfortunately, we were never able to collect upon the $54.95 in May charges due to the business owner defaulting on her payment from stop payment (notes below):EX 06/**/2015 02:51:47 - [redacted] - SettlementACH reject $54.95 (Payment stopped) May fees. Incurred $25.00 feeEX 06/**/2015 **:08:58 - FirstData - UnderwritingACH REJ 06/**/15 R08 $54.95 FORWARD TO COLLECTIONS [ERS, ER, S]EX 06/**/2015 06:04:24 - FirstData - UnderwritingACH REJ 06/**/15 R08 $54.95 RECEIVED [ERS, ER, S]As a result, our company to date, has only successfully collected upon one charge of $54.95 in April as well as $10.00 in June, which we are contractually allowed to collect upon because merchant willingly allowed us to open an account on her behalf.  We are willing to make a full refund of each dollar collected in the amount of $64.95, as we at Universal Processing have no interest of keeping both an unwilling and dishonest customer on our books.  If the merchant chooses to wrongly discredit my organization any further, we will take legal action against this merchant, as their accusations are untrue and harmful to our firm's long standing and honorable reputation.  In addition, please remove this complaint from our records once resolved, because this is an invalid claim, and it is our opinion that our organization only be judged upon any claims in which true fault or wrongdoing was performed by our organization.Regards,Saint H[redacted]VP of Business DevelopmentUniversal Processing

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:

[Your Answer Here]
It is very unfortunate I have to deal with such a dishonest merchant. Let me clarify the business first. [redacted], myself owes [redacted] is the owner of [redacted] who may currently have a complaint against Universal Processing as well. [redacted] is the store manager I hire. Regarding the email, I have my personal email and I also have business email. I don't think I need to close all the emails I use. But, I just want to clarify I use [redacted] as my personal email, and [redacted] as my business email.1.       Universal Processing handles my case very unprofessionally. My store has a case against it, but its management doesn’t want to handle. Instead, it keeps blaming on my manager. The sales person Kai Z[redacted] harassed me asking me to write an email to him stating that I am good their service. Kai Z[redacted] also said if I closed Revdex.com case, then he can help me out which sounds like a lie. Kai Z[redacted] also threatened me saying that he has an attorney group can sue me. If he wants to help, please help out now and then I can close the Revdex.com case. 2.       I don’t know who is Quan Li. He or she might be another unhappy client goes against Universal Processing. Without any proof, please stop blaming and accusing any of us. 3.       Universal Processing management team please read my prior reply carefully. I stated after two month back and forth, I eventually received the stated refund $75.62. BUT IT TOOK ME TWO MONTHS AND COST TOO MUCH OF MY TIME. They promised they would refund but never until after I open a Revdex.com case. My refund request started in beginning of January,  I did not receive the full refund until early March.  4.       My concern now is to stop the business relationship with the Universal Processing. The reason is because Universal Processing is a dishonest merchant. The original email (please refer to attached) from it was a form (please refer to the attached) without all the rate plans, but I was told that if I am not satisfied with the plan I can close the account at any time and the initial deposit will be fully refunded. However, when I decided to close the account almost two months ago, Universal Processing told me I need to give two month which is 60-day notice in advance in order to prevent any penalty. Later, they said they can’t close my account after three years otherwise they will charge a penalty, and sale person Kai Z[redacted] said he won't refunded me the deposit over the phone call last week. 5.       I request Revdex.com’s helps. The merchant tricked me to sign a blank contract with them. They orally promised that I can close the account at any time but did not tell me the contract is for three years otherwise there would be a penalty. It is seriously false advertisement. When I argued with Kai Z[redacted], he said it is true that I can close at any time but just need to pay for $495. If this is not fraudulent/false advertisement, what can be considered as fraudulent/false advertisement? They orally and written promised the deposit will be fully refunded but Kai Z[redacted] said no last week while he called me. They orally promised the rate will be the cheapest they can offer but they charged me almost 3.00% per transaction on top of all other monthly charges, which is way too much. Finally, please assist me to end the business relationship with this shady merchant. I never ever wants to deal with them anymore.   
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]