Harbortouch

[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: I was told on the phone by my agent, who is very nice, that the lease cancellation fee ( for [redacted] ) would be paid by Harbortouch This is on a recorded phone call via Harbortouch, of course it wouldn't surprise me if the conversation has been erased and or edited( DataBusinessSolutions has done that to me in the past) This fee is not "pennies" to a small business like mine The agent also said that a "reduced" fee would be paid to the other leasing company ( [redacted] ) for the lease of the cc machineI switched to Harbortouch BECAUSE of the better rates they offered on processing and the fact that I was told that the " breaking of lease" fees would be taken care of by Harbortouch When first contacted by Harbortouch, I told them multiple times that I was in a lease for the next two years, oh, no problem, they said, we'll take care of them and you will be in contract with us for the next four yearsA $credit towards what could be $is not hardly a drop in the bucketOther than not paying the fees, I like these peopleSo far the nicest processors I've dealt with Regards, [redacted]

Harbortouch reiterates all of its prior responses Any verbal agreement is superseded by the written signed agreement The contractual agreement(s) between the merchant and Harbortouch are the written Agreements signed and dated as referenced above Below is Section of the Merchant Application (full signed copy previously provided) Harbortouch will hold funds for days and at that time the account will be reviewed for release of the funds This is our final response Legal Group Harbortouch

Please be advised that Harbortouch Payments, LLC f/k/a United Bank Card, Inc(d/b/a Harbortouch) has full corporate authority to act on behalf of Credit Card Processing, USA (d/b/a [redacted] Merchant Services, Inc.) On or around March 31, 2014, United Bank Card, Inc(d/b/a Harbortouch) entered into a Stock Purchase Agreement with Credit Card Processing, USA (d/b/a [redacted] Merchant Services, Inc.) and its shareholdersAs a result of the agreement, [redacted] merged into [redacted] Merchant Services Holdings LLC, a New Jersey limited liability company, Harbortouch merged into Harbortouch Payments, LLC, a newly formed Delaware limited liability company and Harbortouch Payments, LLC then acquired all the outstanding membership interests, obligations and responsibilities of [redacted] Merchant Services Holdings, LLC We are disappointed to hear of [redacted] ’s dissatisfaction with Harbortouch’s products and servicesHarbortouch values each merchant it serves, realizing that exceptional customer service is just as important as competitive pricing and innovative productsWe take the loss of a customer’s business very seriously and, if given the opportunity, will do whatever we can to make [redacted] a satisfied Harbortouch customer [redacted] entered into a Merchant Processing Agreement on 8/16/with [redacted] Merchant Services, Incnow operating under Harbortouch Payments, LLC The Processing Agreement consists of the Merchant Application and the Terms and Conditions, together with its addenda, attachments and schedules I am attaching a copy of the Merchant Transaction Processing Agreement (“Processing Agreement”) and attaching a copy of the [redacted] Terms and Conditions The merchant received a copy of the Terms and Conditions prior to signing the Merchant Application The Processing Agreement has a minimum three (3) year term as per Section of the Terms and Conditions At the end of the initial term the Processing Agreement automatically renews for an additional two (2) year periodsThe termination of the agreement requires the written request of the merchant prior to any renewal period Please see Section of the Terms and Conditions for further details and Section VIII of the Merchant Processing Agreement Harbortouch recently received written notice dated September 24, of the merchant’s request to cancel his account Harbortouch closed MsKuruca’s merchant account on September 25, and charged him an ETF $in accordance to the Merchant Processing Agreement and the Terms and Conditions

UI";">I have investigated the merchant’s account and the $ charge is being refunded back to the merchant I have also requested that the account be noted CLOSED in our database as of 1/22/ MID RecordDate Amount Reason Status [redacted] 1/27/ UBC ACH $ REF-BILLNG PROCESS The merchant has no outstanding balance with Harbortouch Legal Group Harbortouch

We are sorry to hear of [redacted] ***’s dissatisfaction with the products and services provided by Harbortouch Harbortouch values each merchant is serves, realizing that exceptional customer service is just as important as competitive pricing and innovative products We take the loss of a customer’s business very seriously and, if given the opportunity, will do whatever we can to satisfy Harbortouch customers Therefore, I encourage [redacted] ***’s to contact Harbortouch technical support at [redacted] with any issues or questions concerning his POS and processing equipment This is our 24/technical support number and will bypass the standard menu options to connect you directly with our technical support department I will have a technical support person reach out to [redacted] ***’s to discuss his concerns Should [redacted] have any other issues or questions that need to be addressed I direct him and encourage him to contact our customer support at [redacted] Nothing contained herein should be deemed an admission or waiver of Harbortouch’s rights under applicable law Harbortouch expressly reserves all of its rights, remedies and defenses in law or in equity

The merchant applied for and was signed up for a merchant account in August of Harbortouch has a signed contract with merchants signature and copies of account information including Drivers license to prove validityThe account was valid, legal, and the subsequent collections are valid

Buyer Beware! Harbortouch is bribing all negative reviews to be deleted! A complete ripoff! Please readTheir true rating would be a star if not for thisMy company refused to take the bribe only because they tried to even rip us off trying to cancel one of our contracts with themThey said they would give us half off our early termination fee if we deleted our first negative reviewHowever, the early termination doubled!! so they made us pay almost the same amountAbsolutely miserable to deal with in every wayThey raise processing fees in the middle of the contractThey will not let you leave a contract that has ended even if you pay thousands of dollarsUse S [redacted] or C [redacted] or another modern, no contract processor

The transaction in question is not through Harbortouch but between the independent salesman Mr L [redacted] and the customer a handMr L [redacted] would need to be the direction of this complaintHowever Harbortouch wants to assist in all means and we will internally communicate with MrL [redacted] as well to help correct this issueHowever again, the issue at hand is misdirected and should be directed at Mr L [redacted] who is part of an Independent Sales Organization

All issues that were presented by customer were presented with a solutionThe customer is asking for an additional service that is available but comes at a costThe option to be given without cost is not a possibility, but again is offeredThe removal of the contract without penalty for what appears to be hearsay (unless customer can provide written documentation of the agreement with the sales rep that he spoke with) and cannot be accounted for in any sort of reconciliationThe full term of the contract is enforceable by the signed contract

Harbortouch understands the position of the customer however the $offer stands as solutions were in fact offeredEven though the merchant did not like those solutions, again they were nonetheless offeredThe websites the merchant was demanding are in fact not permitted as they house and can jeopardize the security of any POS system and potentially expose any merchant to 10's of thousands of dollars in risk due to breachThe ability for a breach to happen is far to great as that was witness through the [redacted] Breach of early this yearThe restrictions are in place to eliminate the unnecessary exposures and to protect all partiesNo where in the contract nor in any sort of modifications does it state that Harbortouch was responsible to open these to our merchants, however in the underlying sections of the terms and agreements, it is stated that property of the equipment during the terms of the contract shall remain the control of Harbortouch, that include the production of our productThe reference to the calls and almost hours, not all those calls were in regards to the topics brought up in the last rebuttal and stem from anything from voiding transactions, brief trainings, to other one off issuesNot all related to the POS issues, Lighthouse, or music demandsThe customer must realize the system is designed and placed only to be a Point of Sale systemNot a full fledged computerThe point of sale by definition is just that, a point in which a customer can accept payment The offer of the $is again to recoup the costs that were incurred in the programming and deployment phase as well as the financial harm caused by the early termination of the agreementThe merchant used and processed the equipment for months, ending service in January of The $that was billed for the processing agreement element, was actually a large reduction in the amount that contractually should of been billed, but as a courtesy was waivedThat amount would have been $x everything month left on the contractThat amount and service is totally independent of that with the POS System, and should be taken into consideration with demand of the entire ETF refundedThe offer of $is the final offer for Harbortouch to settle this dispute

Harbortouch has closed the merchant account in our database on January 21, and have written off the remaining balance of $in collections

We are a small business that has been with Harbortouch for yearsThe equipment failed and we decided to go with a different processing companyWe started in April with our cancellation agreementAfter speaking with different customer service associates and was told on the first occasion that it was never received (April 2015) and that it needed to be faxedOn the second occasion that it was received and processing and may take up to to weeks (May 2015)On the third occasion and after months of $processing fee deducted from our account was told that it in fact was never received and they did not have any record of our interest to cancel.(August 2015) Although I received a call in April from a rep concerned because we were cancellingWe have now received a collection notice from a termination fee of $They renewed our contract automatically every yearsWe were told from the beginning that there was not a termination fee after yearsWe also received a notice that we would need to send the equipment back or be charged $and we are responsible for shippingWe were told the equipment was ours to keepI never received a single customer service call to see if we were satisfied with the business all of the years that we were loyal customersNor were we ever contacted again from the sales repI will be filing a lawsuit and wanted any business to be aware of this company

There is nothing left to say here Harbortouch still refuses to acknowledge the fact that they left me without service and therefore invalidated their own contract They pursue blackmail tactics with collection agencies to try to squeeze money out of people that is not owed I will be going to the attorney general at this point along with multiple review sites and whatever media will pick up my story They picked the wrong guy to try to bully and it is clear that I must continue to waste my time and energy on fighting this corporate greed because who knows how many others have silently paid their blackmail just to get them off their backs It ends with me

Harbortouch recognizes that [redacted] has been a valued and loyal customer face="Times New Roman">We are sorry to hear of [redacted] ***’s business closure Harbortouch values each merchant is serves, realizing that exceptional customer service is just as important as competitive pricing and innovative products We take the loss of a customer’s business very seriously and, if given the opportunity, will do whatever we can to satisfy Harbortouch customers On March 21, 2006, [redacted] entered into a Harbortouch Merchant Transaction Processing Agreement (“Processing Agreement”) The Processing Agreement governs the terms and conditions whereby Harbortouch agreed to provide [redacted] ***’s business with processing services for credit/debit card transactions The Processing Agreement consists of the Merchant Application and the Terms and Conditions, together with its addenda, attachments and schedules A copy of the Merchant Application is attached [redacted] received a copy of the Terms and Conditions prior to signing the Merchant Application However, she may also access the Terms and Conditions at www.harbortouch.com/terms The Processing Agreement has a minimum three (3) year term and automatically renews for successive two (2) year periods Please see the Terms and Conditions Section Term of Agreement Harbortouch does not offer month to month Agreements Harbortouch requires cancellation requests in writing We will not cancel a merchant’s account with a phone call Harbortouch’s policy is to have all cancellation notices in writing to verify the request with the authorized party(ies) on the account and to ensure the request is the desire of the merchant Nevertheless, in an effort to resolve this matter amicably, Harbortouch will accept [redacted] ***’s complaint as a sufficient writing indicating her desire to terminate her Harbortouch Merchant AccountTherefore, Harbortouch will close [redacted] ***’s account, without penalty [redacted] owes Harbortouch no further financial obligation Legal Department Harbortouch

[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: [redacted] , I just read the response, and There should NOT be any "Outstanding" balancesAnd I am Making sure that this does NOT affect me or My credit ratingThe only reason I bring this up as any outstanding balance that is written off becomes income to me and or my businessThat is NOT acceptablePlease check on thisSincerely, *** Regards, [redacted]

[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]

We are sorry to hear of the merchant’s dissatisfaction with Harbortouch’s products and services Harbortouch values each merchant it serves, realizing that exceptional customer service is just as important as competitive pricing and innovative products We take the loss of a customer’s business very seriously and, if given the opportunity, will do whatever we can to make the merchant a satisfied Harbortouch customer There are two distinct contracts entered into by the merchant Merchant Transaction Processing Agreement On February 6, the merchant entered into a Harbortouch Merchant Transaction Processing Agreement (“Processing Agreement”)The Processing Agreement governs the terms and conditions whereby Harbortouch agreed to provide the merchant’s business with processing services for credit/debit card transactionsThe Processing Agreement consists of the Merchant Application and the Terms and Conditions, together with its addenda, attachments and schedules A copy of the Merchant Application is enclosed (a clean copy is provided for reference)The merchant received a copy of the Terms and Conditions prior to signing the Merchant ApplicationHowever, you may also access the Terms and Conditions at www.harbortouch.com/terms The Processing Agreement is for a three (3) year period and automatically renews for successive two (2) year terms (Please see Sections and of the Terms and Conditions for details) Point of Sale Service Agreement On February 6, 2015, the merchant entered into a Harbortouch POS System Service Agreement (“Service Agreement”)The Service Agreement governs the terms and conditions whereby Harbortouch agreed to provide your client’s business with [noof systems (?)] POS systems, at little to no upfront cost, based on his commitment to a five (5) year agreement for support service based on a monthly fee and other applicable chargesThe Service Agreement consists of Exhibit A and the Service Agreement’s terms and conditionsA copy of the Service Agreement is attached to this letter The POS system was installed at the merchant’s business location on February 25, We are attaching a copy of the Installation Sheet signed by the merchant After a detailed review of the merchant account, it has been determined that Harbortouch did not receive any notice from the merchant of his intention to terminate his merchant account prior to his closing his business bank account The merchant is in breach of the contracts Harbortouch closed the merchant account in its database on August 11, by our Risk Department All processing fees and charges incurred by the merchant are valid in accordance with the terms and conditions of the Processing Agreement and the POS Service Agreement 7/2/ $ July POS and POS POM Fees 7/2/ $ NSF for above item 8/2/ $ July Statement Fee 8/2/ $ NSF for above item 8/4/ $ AF FT and POS PO< Fees 8/4/ $ NSF for above item 8/12/ $ UBC Cancel Fee 8/12/ $ NSF for above item 8/12/ $2, Harbortouch Cancel Fee 8/12/ $ NSF for above item $2, Current Balance We suggest the merchant contact our Collection Department at ###-###-#### to discuss resolution of his account Harbortouch would be happy to work with the merchant to retain his account If the merchant would like to continue with Harbortouch services he should contact Deb S [redacted] at ###-###-#### Nothing contained herein should be deemed an admission or waiver of Harbortouch’s rights under applicable lawHarbortouch expressly reserves all of its rights, remedies and defenses in law or in equity Legal Group Harbortouch

Revdex.com:We have reviewed the response made by the business in reference to complaint ID [redacted] , we verified our corpaccount and HarborTouch did credit back the unauthorized charges When wer feel strongely that it is our duty to prevent others from misleading by HarborTouch, however, we understand there is not much we can do from here We hope that HarborTouch will learn from this and change its predatory business practices We deeply apprecaite Revdex.com's effort in helping to resolve this issue Regards, [redacted]

We are sorry to hear of the merchant’s dissatisfaction with Harbortouch’s products and services Harbortouch values each merchant it serves, realizing that exceptional customer service is just as important as competitive pricing and innovative products We take the loss of a customer’s business very seriously and, if given the opportunity, will do whatever we can to make you a satisfied Harbortouch customer.There are two distinct contracts that the merchant entered into with Harbortouch as described below Merchant Transaction Processing Agreement On February 4, the merchant entered into a Harbortouch Merchant Transaction Processing Agreement (“Processing Agreement”)The Processing Agreement governs the terms and conditions whereby Harbortouch agreed to provide the merchant’s business with processing services for credit/debit card transactionsThe Processing Agreement consists of the Merchant Application and the Terms and Conditions, together with its addenda, attachments and schedules A copy of the Merchant Application is attachedThe merchant received a copy of the Terms and Conditions prior to signing the Merchant ApplicationHowever, you may also access the Terms and Conditions at www.harbortouch.com/terms The Processing Agreement is for a three (3) year term and automatically renews for consecutive two (2) year periods Point of Sale Service Agreement On January 31, 2014, the merchant entered into a Harbortouch POS System Service Agreement (“Service Agreement”)The Service Agreement governs the terms and conditions whereby Harbortouch agreed to provide the merchant’s business with a POS system, at little to no upfront cost, based on her commitment to a five (5) year agreement for support service based on a monthly fee and other applicable chargesThe Service Agreement consists of Exhibit A and the Service Agreement’s terms and conditionsA copy of the Service Agreement is attached · The merchant agreed to the Terms and Conditions of the Service Agreement by signing the Personal Guarantee (see page 2); · Section Exclusive Credit Card Processing explains the terms of the agreement that the merchant agrees to exclusively use Harbortouch processing services; · We refer the merchant to Section Merchant Security of the Service Agreement Merchant waives any claims hereunder against Harbortouch , or as a result of any unauthorized access to the merchant’s systems Harbortouch further disclaims any responsibility or liability for problems resulting in or related to merchant’s decision to use a particular internet service provider or related to its ability to connect to the internetOn October 27, Harbortouch offered the merchant a phone based terminal VXfor times when the internet service goes down If the merchant chooses to cancel, the Processing Agreement and the Service Agreement have applicable early termination fees (ETFs) in accordance to the Terms and Conditions of the Agreements I encourage the merchant to contact our Account Resolution Manager at ###-###-#### to assist with obtaining the [redacted] terminal or make arrangements to return the equipmentNothing contained herein should be deemed an admission or waiver of Harbortouch’s rights under applicable lawHarbortouch expressly reserves all of its rights, remedies and defenses in law or in equityLegal Group Harbortouch

The system was installed at this customers location on 5/27/There were some minor issues reported such as mouse not working however we were not given time to correct as the location was busyOn 6/the merchant refused any help and just wanted to cancel the contract and that state has existed sinceThe merchant has not allowed us ample time to rectify any and all issuesThis is not a breach of contract on Harbortouch as we have attempted to correct however were not given the proper access or chance to resolveHarbortouch is and has been asking for the ability to help this merchant however that has been refused and the termination is just being requestedAgain Harbortouch is not in breach thus the waiving on the cancellation is not an optionThe option still stands as it has for Harbortouch to work on the system and correct the minor issues that have been reported, however we need the cooperation of the customer in order to proceed