We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF We were unable to successfully debit the service fees in question due to bank reject As a courtesy, we have requested a waiver of the collections balance that was generated
We are sorry to hear of this customer’s negative experience. For security purposes, we typically require signed authorization to cancel our merchant accounts. It does not appear we initially received this customer’s closure form. We can confirm this account has since been
closed As a courtesy, we have requested a refund of $in service fees. These fees should deposit into the customer’s checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Part of my complaint has to do with the Sign Up/Sales process with FlagshipI was lied to about the fee's from FlagshipI was never sent a contract. I never electronically signed the contract. I was held "negligent" of the contract that Flagship never provided me.
Regards,
*** ***
I apologize for the misunderstanding on the application process and terminal loaner programI have attached the contracts that were digitally signed when entering into the agreementThe application states on page two the pass through fees from the card brands and banking institutes (The following fees will be passed through to merchant if applicable: *** ACQ ISA, APF, Misuse of Auth, NPF/FANF (refer to Network Fee Billing Tables in Merchant Services Program Guide), Zero Floor Limit, Transaction Integrity Fee, Int’l Acquiring, Kilobyte, and AFD Partial Auth Non-Participant Fees; *** Acquirer Support, Cross Border, Reversal Integrity, NABU, License, Kilobyte, CVC2, and ICA AVS Fees; *** Data Usage, Int’l Processing, Service, and Network Auth Fees; *** *** Network Auth Fee; and PIN Debit Network Annual Fees)The attachment you provided are the schedule of fees are for our processing fees, not including the said pass through fees previouslyThe pass through fees will remain constant across all merchant services but as a courtesy we have issued a refund for $
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. As a courtesy, we have requested a refund fpr service fees which should deposit into this customer’s checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Their response was: We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. They then agreed to refund my money and close the account. To that I reply: This boiler plate response did not address any of the issues that I brought upI have no problems understanding the terms of the agreementThis was never a discussion about how stupid I am but about the fact that Flagship inappropriately charged my account for PCI non compliance when I was actually compliant and when I proved it to them by the certificate that their PCI processor emailed me, they agreed to refund the incorrect charges but then only refunded of the charges and told me that it was my fault for not catching it sooner so they did not have to refund all the money they took from meI appreciate that they have agreed to refund the money after I pursued it through this avenue but I feel they owe me an apology for making me go through all of this trouble to get back what was rightfully mine in the first placeI am glad the account is closed now but they told me that they would submit the refund days ago but when I called back yesterday to see where it was, they said they decided to not refund it because I was going to close my account anyhowThe money is mine regardless of whether I close the account or notHolding me hostage by saying I have to keep my account open to get what was not theirs in the first place is wrongSomeone in authority there needs to listen to the recordings of their agents and how they treated me unless this is corporate policy to operate in this mannerI don't want to close this Complaint until the refund is returned to my checking account because there is nothing to make them keep their word (believe me, I have had to send back their emails to prove to them what they did or said at least times.) I shouldn't have to keep them honest. I would have been happy to keep my account open with you but the shady practices made up my mind for me. What is the amount that will be refunded and when will it take place? Will I be charged any additional account fees since I did not process any payments this month? I wanted to close the account a month ago after they refused to refund my money but agreed to keep it open because I was told I had to keep it open to receive my refundOf course, on the day I called on April 25th, my compliance ran out on the 24th and they knew they would be charging me an additional $for non compliance on May 1st if I kept the account open but they never bothered to mention that to me or even that I was non compliant at the time we were talkingThey agreed to refund $last month (I have the email from customer service proving that, by the way) because they would be drafting $again on May 1st if I kept the account openOf course they didn't keep their wordObviously it is not true that the account has to be open to receive a refund because you are saying that I will receive a refund now although my account is closedSo I don't feel that I should be charged any monthly fee for May especially since I did not process any cards and wanted to close the account in AprilAlso the amount that should be refunded is the $from July and the $from April that was charged because the account was kept open. When my refund is processed, I will gladly close this complaint. Thanks for your help in this. Regards,
*** ***
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchant services. The customer
then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to perform an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records The full agreement was available to print out via PDF The customer had been alerted about PCI compliance certification requirements mandated by ***/*** They had also been alerted to issues validating the TIN of the business Actions required to satisfy these requirements do not appear to have been completed Also, the original signed closure request to terminate this account does not appear to have been initially received We can confirm the account is now closed Aside from charges assessed for this merchant's customers disputing transactions billed by this merchant, the miscellaneous fees the customer references in this post did not total $1, As a courtesy, we have requested a refund of $in service fees This refund is subject to approval from iPayment, the processor that controls the debits and credits of our customers' accounts
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. As a courtesy, we have requested a refund of $in service fees which should deposit into this customer’s checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Refund has not been received. Company states that this is not indicative of how you do business but this is not the first time you have taken money out of my account and failed to refund in a timely manner
Regards,
*** ***
Revdex.com:
I have reviewed the response submitted by the
business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
I appreciate that they have "requested a waiver" of the money in question, but I cannot officially accept a response until I've been notified that the money has been truly waived
Regards, *** ***
We regret this customer's negative experience and the miscommunication that appears to have taken place We can confirm this account is closed As a courtesy, we have requested a refund of $99, which should deposit into the customer's checking account in the next to business days
We regret this customer's negative experience We were not aware that this customer had made multiple attempts to obtain their merchant agreement from our corporate office Attached are the agreements and program guide with proprietary information hidden Network fee increases do occur from time to time and our customer's are provided with a monthly online statement for monitoring purposes Card classifications for downgrades are determined using ***/***'s interchange matrix We can confirm this customer's merchant accounts are closed The $monthly fee the customer is referencing here is the PCI non-action fee All PCI related fees are billed from their credit card
processor ***. PCI/DSS stands for “Payment Card Industry Data
Security Standards” and it is a ***/*** requirement that all businesses
that accept credit cards are PCI/DSS compliant, keeping their customer’s credit
card information safe from being compromised. Page of the merchant statement that is sent
out monthly refers our customers to a site where they can complete a brief PCI
compliance certification. Although our organization feels that the
PCI-DSS related fees and rate/network fee increases were disclosed and communicated to this merchant, we have requested a refund of the differences in non-qualified percentages and PCI non-action fees This refund, as well as the one requested previously requested should be sent to the customer's address via check pending approval from the processor These refunds are going to require special approval and will require some time for calculation
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
We are sorry to hear of this customer’s negative experience. This post is not indicative of our business practicesAs a courtesy, we have refunded the disputed amountPlease allow for - days for the refund be deposited into your account
We are sorry to hear of this customer's negative experience We have reached out to this customer and are currently working on the return of the units in order to waive early termination fees We have also requested a courtesy refund of $in service fees This refund should
deposit into the customer's checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or
concerns in reference to complaint # ***Please add your rejection comments below.
The response simply states that they will talk to their legal departmentThey have not resolved the issuePlease keep this un-resolved so that we can wait for their formal response Their tactic is evasive and designed to close this claim without providing a solution Many previous people have complained to Revdex.com on this tacticRegards,
*** ***
We regret this customer's negative experience Because we provide a financial service, we require a signed authorization to cancel our accounts It does not appear this signed authorization was initially received This customer was actively processing thousands of dollars in
transactions per month through November of Since then, we can see the customer was billed $in service fees We have requested a refund of this amount of inactivity, and the funds should deposit into the customer's checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #I understand that by choosing to accept the business response that my complaint will be closed as resolved, providing the business does make any more debits out of my account
Regards,
*** ***
We are sorry to hear of this customer's negative experience To date, this customer has been billed a $statement fee We have requested a refund of this charge and it should deposit in the next to business days Also, we will process a refund of the $charge when it
is assessed next month
We are sorry to hear of this customer's negative experience Because we provide a financial transaction service for small to medium sized businesses, we typically require signed authorization to cancel our merchant accounts Since there has been such a long period of inactivity, we have
requested the procedure be overridden and have asked to have the account closed without a signature We have requested a refund of $515.57, the amount billed during the seven month period the customer references These funds should deposit into the customer's checking account in the next to business days
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF We were unable to successfully debit the service fees in question due to bank reject As a courtesy, we have requested a waiver of the collections balance that was generated
We are sorry to hear of this customer’s negative experience. For security purposes, we typically require signed authorization to cancel our merchant accounts. It does not appear we initially received this customer’s closure form. We can confirm this account has since been
closed As a courtesy, we have requested a refund of $in service fees. These fees should deposit into the customer’s checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Part of my complaint has to do with the Sign Up/Sales process with FlagshipI was lied to about the fee's from FlagshipI was never sent a contract. I never electronically signed the contract. I was held "negligent" of the contract that Flagship never provided me.
Regards,
*** ***
I apologize for the misunderstanding on the application process and terminal loaner programI have attached the contracts that were digitally signed when entering into the agreementThe application states on page two the pass through fees from the card brands and banking institutes (The following fees will be passed through to merchant if applicable: *** ACQ ISA, APF, Misuse of Auth, NPF/FANF (refer to Network Fee Billing Tables in Merchant Services Program Guide), Zero Floor Limit, Transaction Integrity Fee, Int’l Acquiring, Kilobyte, and AFD Partial Auth Non-Participant Fees; *** Acquirer Support, Cross Border, Reversal Integrity, NABU, License, Kilobyte, CVC2, and ICA AVS Fees; *** Data Usage, Int’l Processing, Service, and Network Auth Fees; *** *** Network Auth Fee; and PIN Debit Network Annual Fees)The attachment you provided are the schedule of fees are for our processing fees, not including the said pass through fees previouslyThe pass through fees will remain constant across all merchant services but as a courtesy we have issued a refund for $
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. As a courtesy, we have requested a refund fpr service fees which should deposit into this customer’s checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Their response was: We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. They then agreed to refund my money and close the account. To that I reply: This boiler plate response did not address any of the issues that I brought upI have no problems understanding the terms of the agreementThis was never a discussion about how stupid I am but about the fact that Flagship inappropriately charged my account for PCI non compliance when I was actually compliant and when I proved it to them by the certificate that their PCI processor emailed me, they agreed to refund the incorrect charges but then only refunded of the charges and told me that it was my fault for not catching it sooner so they did not have to refund all the money they took from meI appreciate that they have agreed to refund the money after I pursued it through this avenue but I feel they owe me an apology for making me go through all of this trouble to get back what was rightfully mine in the first placeI am glad the account is closed now but they told me that they would submit the refund days ago but when I called back yesterday to see where it was, they said they decided to not refund it because I was going to close my account anyhowThe money is mine regardless of whether I close the account or notHolding me hostage by saying I have to keep my account open to get what was not theirs in the first place is wrongSomeone in authority there needs to listen to the recordings of their agents and how they treated me unless this is corporate policy to operate in this mannerI don't want to close this Complaint until the refund is returned to my checking account because there is nothing to make them keep their word (believe me, I have had to send back their emails to prove to them what they did or said at least times.) I shouldn't have to keep them honest. I would have been happy to keep my account open with you but the shady practices made up my mind for me. What is the amount that will be refunded and when will it take place? Will I be charged any additional account fees since I did not process any payments this month? I wanted to close the account a month ago after they refused to refund my money but agreed to keep it open because I was told I had to keep it open to receive my refundOf course, on the day I called on April 25th, my compliance ran out on the 24th and they knew they would be charging me an additional $for non compliance on May 1st if I kept the account open but they never bothered to mention that to me or even that I was non compliant at the time we were talkingThey agreed to refund $last month (I have the email from customer service proving that, by the way) because they would be drafting $again on May 1st if I kept the account openOf course they didn't keep their wordObviously it is not true that the account has to be open to receive a refund because you are saying that I will receive a refund now although my account is closedSo I don't feel that I should be charged any monthly fee for May especially since I did not process any cards and wanted to close the account in AprilAlso the amount that should be refunded is the $from July and the $from April that was charged because the account was kept open. When my refund is processed, I will gladly close this complaint. Thanks for your help in this. Regards,
*** ***
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchant services. The customer
then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to perform an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records The full agreement was available to print out via PDF The customer had been alerted about PCI compliance certification requirements mandated by ***/*** They had also been alerted to issues validating the TIN of the business Actions required to satisfy these requirements do not appear to have been completed Also, the original signed closure request to terminate this account does not appear to have been initially received We can confirm the account is now closed Aside from charges assessed for this merchant's customers disputing transactions billed by this merchant, the miscellaneous fees the customer references in this post did not total $1, As a courtesy, we have requested a refund of $in service fees This refund is subject to approval from iPayment, the processor that controls the debits and credits of our customers' accounts
We regret that this merchant did not fully understand all of the terms of the agreement The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchantservices. The customer then
provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an "e-signature" with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. As a courtesy, we have requested a refund of $in service fees which should deposit into this customer’s checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Refund has not been received. Company states that this is not indicative of how you do business but this is not the first time you have taken money out of my account and failed to refund in a timely manner
Regards,
*** ***
Revdex.com:
I have reviewed the response submitted by the
business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
I appreciate that they have "requested a waiver" of the money in question, but I cannot officially accept a response until I've been notified that the money has been truly waived
Regards, *** ***
We regret this customer's negative experience and the miscommunication that appears to have taken place We can confirm this account is closed As a courtesy, we have requested a refund of $99, which should deposit into the customer's checking account in the next to business days
We regret this customer's negative experience We were not aware that this customer had made multiple attempts to obtain their merchant agreement from our corporate office Attached are the agreements and program guide with proprietary information hidden Network fee increases do occur from time to time and our customer's are provided with a monthly online statement for monitoring purposes Card classifications for downgrades are determined using ***/***'s interchange matrix We can confirm this customer's merchant accounts are closed The $monthly fee the customer is referencing here is the PCI non-action fee All PCI related fees are billed from their credit card
processor ***. PCI/DSS stands for “Payment Card Industry Data
Security Standards” and it is a ***/*** requirement that all businesses
that accept credit cards are PCI/DSS compliant, keeping their customer’s credit
card information safe from being compromised. Page of the merchant statement that is sent
out monthly refers our customers to a site where they can complete a brief PCI
compliance certification. Although our organization feels that the
PCI-DSS related fees and rate/network fee increases were disclosed and communicated to this merchant, we have requested a refund of the differences in non-qualified percentages and PCI non-action fees This refund, as well as the one requested previously requested should be sent to the customer's address via check pending approval from the processor These refunds are going to require special approval and will require some time for calculation
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
We are sorry to hear of this customer’s negative experience. This post is not indicative of our business practicesAs a courtesy, we have refunded the disputed amountPlease allow for - days for the refund be deposited into your account
We are sorry to hear of this customer's negative experience We have reached out to this customer and are currently working on the return of the units in order to waive early termination fees We have also requested a courtesy refund of $in service fees This refund should
deposit into the customer's checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or
concerns in reference to complaint # ***Please add your rejection comments below.
The response simply states that they will talk to their legal departmentThey have not resolved the issuePlease keep this un-resolved so that we can wait for their formal response Their tactic is evasive and designed to close this claim without providing a solution Many previous people have complained to Revdex.com on this tacticRegards,
*** ***
We regret this customer's negative experience Because we provide a financial service, we require a signed authorization to cancel our accounts It does not appear this signed authorization was initially received This customer was actively processing thousands of dollars in
transactions per month through November of Since then, we can see the customer was billed $in service fees We have requested a refund of this amount of inactivity, and the funds should deposit into the customer's checking account in the next to business days
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #I understand that by choosing to accept the business response that my complaint will be closed as resolved, providing the business does make any more debits out of my account
Regards,
*** ***
We are sorry to hear of this customer's negative experience To date, this customer has been billed a $statement fee We have requested a refund of this charge and it should deposit in the next to business days Also, we will process a refund of the $charge when it
is assessed next month
We are sorry to hear of this customer's negative experience Because we provide a financial transaction service for small to medium sized businesses, we typically require signed authorization to cancel our merchant accounts Since there has been such a long period of inactivity, we have
requested the procedure be overridden and have asked to have the account closed without a signature We have requested a refund of $515.57, the amount billed during the seven month period the customer references These funds should deposit into the customer's checking account in the next to business days