Harbortouch

After 2 years of working with Harbortouch, I can say that I am thrilled with this company. I have used several credit card companies in the past but Harbortouch has been by far the best to work with. Most Credit card processing companies will promise you anything you want to hear in order to lock you into contract and then just start adding fees and increasing rates throughout the contract but Harbortouch has stayed true to their word. There have not been any unexpected or shade fees added. I am also very impressed at how involved the owner (Jared) is in this business. I did not know him prior to signing up with Harbortouch but he has emailed me personally multiple times. This is a sign a truly friendly and trustworthy business. Their services are fast and professional. Even their customer service is a delight to work with. I definitely recommend Harbortouch as a Credit Card Processor.

Review: I have contacted this company several times trying to get rid of their service and they keep billing me. I am no longer in need and they will not end my contract. I have not signed any for in 6 years for a contract. Harbortouch keeps taking out different amounts of money each month seeing if they can get away with it. I also have been to the bank and sent several forms of unauthorized to take funds of my account to Harbortouch. I just want to be done with their services with out having to pay a fee.Desired Settlement: I no longer want their service and want to be done with Harbortouch. No more fees!

Business

Response:

Harbortouch recognizes that Ms. [redacted] has been a valued

and loyal customer since September 23, 2008.

We aredisappointed to hear ofMs. [redacted]’sdissatisfaction 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.

On September 23, 2008, Ms. [redacted] entered into a

Harbortouch Merchant Transaction Processing Agreement (“Processing Agreement”). The Processing Agreement governs the terms

and conditions whereby Harbortouch agreed to provide Ms. Wood’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. Ms. [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 4 Term of Agreement.

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.

All

fees and charges incurred are valid in accordance to the Processing Agreement

inclusive of the Terms and Conditions.

Harbortouch has closed the merchant’s account in its database on January

15, 2015 and applied the early termination fee. Harbortouch is willing to waive the $95.00

termination fee and we will refund the compliance fee charged to the account on

January 3, 2015 in the amount of $91.25 reducing the balance in Harbortouch

collections from $342.75 to $156.50. I

encourage Ms. [redacted] to contact Harbortouch Collections Department at

###-###-####.

Harbortouch

will be sending the merchant a shipping label and any other necessary materials

to return the processing equipment at no charge to her. Legal GroupHarbortouch

Business

Response:

Harbortouch reiterates is position to Ms.

[redacted]; Harbortouch has no record on file of Ms.

[redacted]’s written request to cancel her merchant account and we will not

terminate a merchant account with a phone call as mentioned in our prior response; After a subsequent review and as previously

stated all fees and charges incurred are valid in accordance to the Processing

Agreement inclusive of the Terms and Conditions; In this final response Harbortouch is reducing the

amount in collections to $106.50; andOnce again, I encourage Ms. [redacted] to contact

Harbortouch Collections Department at ###-###-####.

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.

Legal Group

Harbortouch

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: Like I already previously stated I have sent in 2 written notices about canceling my account. But harbortouch has conviently not received both of my written faxes. As I stated before I will not pay any fees. Your company is awful to do business with. Nothing but liars and sneakiness.

Regards,

[redacted]

Review: I called them on April 2013 ask them when is my contract ends with them, they said September 2014, they also said I should call them 2 months advance so I called them again on July 2014 for cancellation but they denied and told me I have another year with them, I asked them to send me my written contract but they failed to that either. They are still sending me bill for early cancellation fee for $250, which I am refusing to pay. Please advise me

ThanksDesired Settlement: I want them to cancel my agreement without any fee.

Business

Response:

Please be advised that Harbortouch Payments, LLC f/k/a [redacted]

[redacted], Inc. (d/b/a Harbortouch) has full corporate authority to act on behalf of

Credit [redacted] Processing, USA (d/b/a [redacted].).

We are disappointed

to hear of [redacted]’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 [redacted] a satisfied

Harbortouch customer.

[redacted] entered into a Merchant Processing Agreement on 7/7/2010

with MSI Merchant Services, Inc. now 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 MSI Terms and Conditions. [redacted] 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 4 of the Terms and

Conditions. At the end of the initial

term the Processing Agreement automatically renews for an additional two (2)

year periods. The termination of the agreement requires the written request of

the merchant prior to any renewal period.

Please see Section 5 of the Terms and Conditions for further details

and Section VIII of the Merchant Processing Agreement.

Merchant’s contract initial term expired in July

2013 and automatically renewed in accordance to the Terms and Conditions

Section 4.1;The automatic two-year renewal term will expire

July 2015. See Section 4.2 of the Terms

and Conditions;Section VIII Disclosure of the Merchant

Processing Agreement details the early termination fee; The early termination fee is $250 or $35

multiplied by the number of months remaining in the current term. In [redacted]’s situation the early

termination fee would be $35.00 x 8 months remaining of the current renewal

period totaling $280.00; However, Harbortouch will reduce the early

termination fee to $250.00 instead of $280.00.

Harbortouch

recently received a telephone call from the merchant on October 22, 2014 of the merchant’s request to cancel his account.

Harbortouch requires cancellation written requests in

writing. We will not cancel a merchant’s

account with a phone call. Harbortouch

understands the disruption of cancelling processing services to a merchant can

have detrimental consequences to the merchant’s business activities. Therefore, 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.

When Harbortouch receives the written request to cancel the

merchant account Harbortouch will charge the merchant an early termination fee

of $250 in accordance to the Processing Agreement inclusive of the Terms and

Conditions.

Review: I enquired about this company on [redacted] and talk with their representative [redacted] of [redacted]. He told me on the phone that the only charges I would be charged for using their system is a monthly service charge , a quarterly service charge and .10 per swipe. Now that we've had the system in place they are taking money out or our account daily. I wasnt made aware of the other charges till now. I told them I was going to cancel my account, they said I have a 5 year contract that I wasnt even made aware of. I think this company is doing illegal practices.Desired Settlement: I want out of this contract.

Business

Response:

The customer has been using Harbortouch's services since January of 2013. Harbortouch has a signed agreement in which the merchant signed and agreed to all the outlined fee's. A POS system was installed in February of 2013 and the merchant has been using steadily since. Upon installation of the system, the merchant signed an installation agreement in which the merchant checked and subsequently e-signed the document stating he understood and agreed to all fee's associated. I have attached that document for reference. The contract stands is legally binding, if merchant wishes to cancel, the ETF that is outlined in the terms and agreement section (also signed and agreed to) will stand.

Review: horrible costumer service. 4 dropped phone calls. impossible to solve a simple problem.Desired Settlement: need to be solve asap.

Business

Response:

I'm not exactly sure what the complaint actually entails, but I do see a $2k sale that was held for customer verification. If that is indeed the cause of this complaint, the hold was due to the amount and being over the approved max amount. Harbortouch in those cases to protect both itself and the merchant will call and verify with card holders bank for legitimacy. In this case it looks like that has been resolved and the money was settled to merchant.

Review: I have acquired a HarborTouch point of sales system about 1 weeks ago. I have contacted customer service several times to inform them about the useless, not what they sold me equipment and that I would like to cancel the service and return equipment. I have explained to HarborTouch customer service team that I have receive an equipment that does not fit my business but the sales person ([redacted]) told me, it would fit perfectly. Right now, I have submitted a cancellation request but HarborTouch customer service wants to charges me the remaining balance of the agreement which is $69.99 x 60 (60 = 12 month x 5 years). There is no way I am going to pay for something I did not receive. Also I would like to remark that before I ordered the equipment I wanted it to have a demo for me to try and the sales person ([redacted]) told me there is no way I could test out the product before buying. I believe this is sneaky way to trap consumers on buying something useless.Desired Settlement: I would like to return the equipment and not pay for early termination fee.

Business

Response:

There is no trial period that Harbortouch offers and the deal is finalized upon delivery of product and installation. Both of which occurred with this customers account. Buyers remorse is not a cause to void a legally binding contract. The customer has also not spoken with any member of our support team regarding any issues they may have. There was one call regarding the ability to do something, in which options were given and the merchant advised they would evaluate those options. If the merchant has requests, they have not been relayed to us. This may be the customer not fully understanding the product before them and without Harbortouch knowing of such, we cannot assist. The merchant may contact support at ###-###-#### and inquire on all necessary changes or question they may have. But as yet, that has not occurred.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: I have received the cancellation form which I could only get by requesting to return and close the account (Attached). Also, I have received emails requested feedback from HarborTouch. These emails only comes when I have contacted HarborTouch Customer Services (attached). This is clear proof on how unprofessional HarborTouch conduct business. I have no reason to lie, my complaint is genuine. The reason for my return is because the equipment is useless for my business.

Regards,

Business

Response:

Time of events, that have been laid out below, show that Harbortouch has done all in its power to resolve the issues the merchant has requested. As seen below, merchant wanted to cancel system 5 days after installation with no outstanding complaint to warrant any sort of breach of contract. All calls received by **. [redacted], were handled with either a resolution or an option. The request to cancel the system without any sort of penalty is not an option. If [redacted] wishes to cancel, then the full ETF would apply. However based off the notes below, Harbortouch has and will always be willing to assist [redacted] and his establishment to support any issues that may be present or assist in any questions that may arise. The training emails that the were attached during from the **. [redacted] in his original email are evidence that we have offered the training that is necessary to successfully operate the POS system that is provided. If a more personal training is required, that may be setup as well per merchants request.

Review: Since our service with Harbortouch started, I've experienced at least 3 cases of malpractice. Most notably, my cafe had experienced a hardware failure on 12/7/2012. This hardware failure prohibited the credit card batch from settling that evening, a sum of ~2500 dollars. After calling Harbortouch, they had informed me that they would send new Hardware (good), but then insisted that we had to re-key in all of the credit card transactions ourself (unacceptable). It took convincing but they had eventually agreed, since the hardware failure was entirely their domain,that the credit card transactions would be settled by their department in a timely manner. In early February, my book keeper had discovered, when adjusting our books for December, that the credit cards from that day had STILL not been settled. I reached out to Harbortouch yet again, and was informed by one of the cust. service reps that the batch in question had been neglected. Harbortouch finally sent the batch on Feb. 24. This caused a number of customers to be alarmed, for their purchases from 12/7 were showing up as purchases from 2/24. When the customers challeged these charges (approximately 25 cases), Harbortouch then insisted that the time elasped between 12/7 and 2/24 was too great to succesfully win the chargeback settlement. Having not been satisfied with this answer, I asked to speak to another rep. who agreed that situation called for allowing me to contest the reversal charges in question. However, this was an exceptional amount of work for an issue that was entirely due to Harbortouch. Yet they insisted with every charge back request, that I take care of the paperwork, as well as finding the reciepts to send in. This was in addition to receiving the wrong hardware after the failure, and having to send it back after setting it all up. In another instance my sales rep., [redacted] had insisted in not speaking with my bookeeper any more, due to her tone and approach with him. Fees high, service unacceptabeDesired Settlement: I request that my Time/efforts alloted by me and my bookeeper, along with the damage to our reputability regarding the mis-timing of the charges by Harbortouch,(and forcing our customers to go through the chargeback process), should be compensated by letting us out of our contract before the end of the 5 year lease. I also believe an apology is due, by Harbortouch to our customers, for taking the time to go through the chargeback process, due to a hardware failure on the part of Harbortouch.

Business

Response:

Review: DBA [redacted]. I have tried to close my account with them.....[redacted] since Aug 2012. I mailed them a letter to close it,they continued to bill me and debit my checking account. I finally closed my checking account. I made numerous calls to them and was told they had their own special form to be used to close an account. They mailed it to me ,I filled it out and faxed it back. Thinking that is was taken care of, only to recieve another bill in the mail. I called again and was told that they had never recieved the cancellation form. As all my bookwork had been moved in to storage and I did not have access to it, they mailed me yet another cancellation form. I filled it out and faxed it back to them. Earlier this week I recieved a bill from them stating that I owed them nothing. Today I recieved a letter from a collection agency stating that I still owed them $ 118.00. I called them again and was told that I needed to pay it. When I asked to speak to a supervisor and I was sent to a voice mail. My schedule is very busy and I do not have the time to continue to deal with these people. Any help is greatly appreciated.Desired Settlement: Billing adjustment to $ 0 owed.

Business

Response:

As a good faith and to settle this dispute Harbortouch will write off the amount disputed. As Harbortouch must receive a cancelation form to cancel an account properly, it is the merchant responsibility to ensure that the document is received to properly close the account. As Harbortouch has done no wrong we will still again close this complaint by agreeing to write off the $118.

Review: Started phone calls on 4/10 to cancel contract. Harbortouch cust svc authorized cancellation without penalty but hinged on having equipment returned to them. 4/22 phone call with Harbortouch cust svc confirmed that equipment was given to sales rep. We never received equipment. After many attempts to contact sales rep, finally contacted Harbortouch cust svc to request sales rep's supervisor. Was advised customers are not allowed to speak to anyone but Harbortouch customer service therefore they would have to track down sales rep. Followed up with Harbortouch cust svc on 4/16, 4/22 and 5/2. Got same answer each time...still no response from sales rep. Harbortouch cust svc rep I spoke with today refused my request to speak to a supervisor. She then advised me I had to call sales rep's customer service. As mentioned above, I previously requested going that route but was told Harbortouch cust svc had to handle it. Nothing but runaround. Also, cust svc rep today refused to help me further because I wasn't authorized to get info on account when I was clearly put on the authorized list during my 4/16 conversation. When I insisted on speaking to someone else she hung up on me. I then called operator to request a supervisor/boss name, was given [redacted] name and they would have his asst call me. I advised them if no contact in 1 hour Revdex.com would be contacted. Still no call.Desired Settlement: Honor agreement to cancel service with no penalty, hold sales rep responsible for equipment return and no bills past the March 31 billing statement.

Business

Response:

Harbortouch agrees to the requested resolution and will provide the proper documentation in order to close this account. A customer service representative will be in contact.

I am harbortouch new customer .After first week I just checked my account and noticed couple of days of my sale never deposited to my accounts !I called them and after spent big times and holding ,they apologized and told me they will deposit it after 72 hours .After that time nothing happened ! I called again and same story !.For third time I called and finally received some of those and not completely ! I called again and same story and still they didn't refund me .I called their manager and nothing happened! They always told me they will follow up and they will email me and call me BUT never happened. I just filled out their survey as no satisfied customer with lowest rate and still no one care to call me what is happening! Last time I was mad and told them I could cancel and will go with different company they just said OK.
I didn't know I cant cancel with them till called customer service and they told me I have 2 contract each one 3 years !!The sale person never told me about it and he explained contract to me differently in time of contract!!!, because I never had POS previously to understand all POS terms!.They told me if I cancel with them need to pay couple of thousand dollar for 3 years contract and I just started more than one month .They just like headache for customer !Any time I called they will answer but never helpful . I just check my account daily and watching them .I feel myself stuck in problem and I am going to talk to lawyer for future legal action against their service if they continue with such service .I checked online and saw many complain like myself against them in different website !It seems company owner no care about future business or customer by such ignoring people .I never recommend this company to anyone .

Review: A client of mine had paid $7903.19 between 2 credit cards for services rendered on 10/14/14. The customer had filled out a credit card authorization form and provided a copy of her U.S. Passport picture page; signatures matched. The transaction was processed through Harbortouch's Point of Sale register. The charges were approved, however they failed to batch the transaction the same day; they also decided to flag the transaction and until this very day have not remit payment for the approved charges. We had been pre-approved for $20,000.00 of transactions a month; this total was a fraction of that. I had contacted my local sales rep, Mr. Nathan W[redacted] on 10/16/14 (###-###-####) and advised to me to contact Kristy M[redacted] @ Harbortouch Risk dept @ ###-###-####; she was not cooperative at all. She had advised that I had accidently overcharged (which I had reversed the same day, yet on the POS it did not accept the reversal physically; more time lost to get that straightened out, however it did on 10/20/14).

When we had negotiated terms with Harbortouch in June 2013, we had advised that we would use it for moving/shipping/sales of office products/packing material, when we I operated it from a retail store in Hollywood, FL. When we decided to operate as a home based business - still selling the same services with greater emphasis on the moving aspect, we had called in there 800 number to keep them aware. 16 months later they decided to hold our money, void our merchant and contract because they claim about a misunderstanding about the services and charges. I have the documents that were provided in the welcome kit... $20,000.00 a month. If they want to terminate the contract it is entirely up to them, but they are holding our money, attempted to seize $3174.00 from our bank account on 10/23/14 (our bank had reversed the charge to our account), they want us to pay for packing material to pack the POS and accessories; they were supposed to e-mail a [redacted] air waybill (which they did not do). I can understand if I cancelled the contract, but I did not; nor did I have a desire to. I attempted to reason with Brittany @ Harbortouch ( who refused to provide her last name), but she would not transfer me to her supervisor and insisted that I contact my sales rep, Nathan Wolf, and make him contact Harbortouch.Desired Settlement: (In chronological order)

1. A written confirmation that they terminated the contract with no present nor future financial obligations to Harbortouch

2. $7,903.19 which they are still holding

3. Packing material to return the POS and accessories to them

4. A prepaid [redacted] air waybill to ship back the POS and accessories

5. No more contact with our company or its officers once the POS is dropped off at a [redacted] Store or a [redacted] Authorized Ship Center (I would e-mail a receipt at which point communications would cease).

Business

Response:

On June 4, 2013, [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 Transaction Processing Agreement (“Processing Agreement”) is

attached. [redacted] received a copy of the Terms and Conditions prior to

signing the Merchant Application. However, you may also access the Terms and

Conditions atwww.harbortouch.com/terms.

On June 4, 2013, [redacted] also entered into a Harbortouch

POS System Service Agreement (“Service Agreement”). The Service Agreement governs the terms and

conditions whereby Harbortouch agreed to provide [redacted]’s business with

free POS systems based on his commitment to enroll in a five (5) year agreement

for support service based on a monthly fee and other applicable charges. The

Service Agreement consists of Exhibit A and the Service Agreement’s terms and

conditions. A copy of the Service Agreement is attached to this letter.

Both the Service Agreement

and Processing Agreement have early termination fees that apply.

The amount of $7,903.19 the merchant is disputing was for 2

duplicate credit charges on 10/14/14 in the amounts of $3,951.60. These charges did not have cardholder

authorization. Due to the excessive

amount of chargebacks the merchant’s account was closed by Harbortouch in

accordance with the Terms and Conditions Further information regarding

chargebacks is detailed in Terms and Conditions.

Due to the chargeback activity, on October 21, 2014 written

notice was provided to the merchant informing him that his business does not

conform to the Harbortouch underwriting guidelines.

Harbortouch will contact the merchant to provide shipping

supplies for the return of the equipment.

Harbortouch Legal Department

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: Harbortouch is incorrect with their guesses.

Review: I was contacted by Harbortouch POS at the beginning of May and was told I could receive a free POS system and FREE credit card terminal. My person of contact's name is [redacted]. I asked about the fees stated on contracted, she said the only fees I will be charged are the processing fees listed which is 1.65% per credit/debit transaction. So, I decided to do some research on the company, they have great reviews and then I see one stating about an annual fee, a quarterly fee, and 5 year contract term. So I emailed [redacted] and told her that I don't want to go through with the POS system and I told her that the card terminal had arrived but I have no idea as to how to set it up. She told me that she will put a rush on my POS system but I told her that we have decided to use someone else. Then I asked her about the fees that were not discussed in the beginning and she said there is a quarterly fee but no annual fee. There is also a fee of $69 a month. She said she could let them know to continue with building the POS if I wanted to. I never responded because I wasn't interested at all. A few weeks later, I get and email stating our POS is complete and ready for deployment. I then emailed her and told her we never agreed to go ahead with the process. She gave me a number and said she cannot cancel on her behalf and to call the number so they could discuss cancellation and fees. I call the number and I ask questions about the fees and they said the annual fee can be revisited and I asked about he monthly minimum fee of the merchant terminal,, I wanted to know is the $50/month minimum was in transactions or fees from the 1.65% transaction fee. He told me that my transaction fees have to equal to $50 or they will charge me so I said no then we will cancel everything. He told me that there is a $35 cancellation fee per month for three years. I told him there were no cancellation fees written in my contract and he stated it was on their website and when I signed my contract I agreed to their terms and conditions that are on the website.

I personally think that Harbortouch POS would be an ok if they didn't prey after small businesses. I haven't been open for two months yet and my sales volumes are no where near where they would have to be to avoid extra fees.Desired Settlement: My desired outcome would be for them to stop contacting me and for them to stop deceiving people into these contracts that have unwritten terms and conditions and cancellation fees. I want them to cancel our POS services as we haven't received a system and cancel our merchant services with no fees. I would also like this in writing.

Business

Response:

Attached Harbortouch has posted a document in which the merchant agrees to receiving the and understanding the terms and conditions set forth by the contract in which they agreed to. The document also shows the section in which the fee's the merchant references (section 2). The document contains the electronic signature of the merchant as well a initials on each associated page.

Review: The POS system that our company received from Harbortouch was not set up properly, never worked properly, and customer service did not respond effectively, or in a timely manner. My business no longer wants to use the POS system because we could never get it to work, and they failed to help us fix it. However, the three people I have spoken to so far about the matter have informed me that they are not authorized to waive a $4000+ early termination fee, and no one has been able to tell me who I could even speak with that might have the authority to waive this fee.Desired Settlement: Harbortouch should agree to waive the early termination fee.

Business

Response:

The system was installed at this customers location on 5/27/14. There were some minor issues reported such as mouse not working however we were not given time to correct as the location was busy. On 6/2 the merchant refused any help and just wanted to cancel the contract and that state has existed since. The merchant has not allowed us ample time to rectify any and all issues. This is not a breach of contract on Harbortouch as we have attempted to correct however were not given the proper access or chance to resolve. Harbortouch is and has been asking for the ability to help this merchant however that has been refused and the termination is just being requested. Again Harbortouch is not in breach thus the waiving on the cancellation is not an option. The 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.

Review: Our Company went out of business in early March ([redacted]) but we called Harbor Touch in early September 2013 to cancel our service and account because it was not longer in use, so we ask what was the last amount due until that day so we can pay it, they told us the amount of 50.87 $ so we sent the check and I got proof from my bank that the check was cashed.

Now is early December and we found many bills from Harbor Touch since October ( bill was 22.00$) but all the amount due for December is 91.00$ and they are threatening us to send us to collections.

So I called Harbor touch and I tried to fix this matter and trying to understand why if we CANCEL this account in early September they still charging us , So they tell me that the account still open and if I don't pay they will send me to collections, after explaining to the customer representative that we already did pay the last bill back in September, he tells me that we never cancel it that we didn't sent a form with our signature, I understand completely for company policies but in early September when we called to cancel nobody told us about this form, they just told us to send the last payment and they would cancel it for us.

The person I talked now in December 4th ( [redacted] , ID# [redacted]) told me first that the amount went from 22.00$ ( bill in october) to 91.00(bill in December) because the account was open and went up, when he told me that, I expressed that why would I pay for that amount IF I cancelled the service 3 months ago and it was no our mistake ,we paid the last amount and closed the account, [redacted] is out of business. Then he tells me that that amount(91.00) is from back in July and august and I told him that when we called in September they told us the 50.87$ was from those months and then he says that the account has been open since February and the amount comes from those months.

I like to do things right and we take really good care of our credit but this company is really unprofessional and extremely unorganized , is their Job to keep track of this bills, is just impossible to understand how my balance that got to 0.00 in September when I paid the last amount due 50.87 and now they say the 91.00 is from months earlier .Desired Settlement: We need this to get fixed , my balance should be 0.00 . is just not fair to charge us for their mistake. And a account cancellation is a must.

Business

Response:

The account was indeed closed in September and it was closed by Harbortouch. The fee's that are in question are from a balance prior to that closing. I do not see record of the stated check and if the customer can present proof of such payment and what the payment represents that would certainly be useful. Otherwise the balance due will stand.

Review: On March 31 2013 I closed my business after being in business for 3++ years. I used Harbortouch for credit card processing. I was shocked to find out that they wanted to fine me $250 after being in business with them for so long. According to them in writing this $250 fine is not a penalty for terminating but rather a reasonable charge in light of the financial harm caused by early termination!!!

The fact that Harbortouch can come up with a Contractual Obligation that automatically gets renewed every 3 years is completely unethical. What this means to business owners is they will always get fined no matter how long they are in business even if they DIE!!! They can not even explain to me in writing or on the phone how I caused any form of financial harm.

Furthermore this company puts a price tag on their equipment that is 2-3 x more than the actual value that one can get it for on the market. One can get their machine on [redacted], office supplies store for anywhere from $220-$349.00. The price they put on their machine is $844.00. Also when one talks to a Harbortouch representative right now and pretends that one wants to open an account , that representative will inform you that you are receiving equipment worth $220. Call any representative and they will laugh when they learn about the value HarborTouch is putting on their equipment.Desired Settlement: Harbortouch must stop their current unethical business practices. Contracts should not automatically renew after 3 years. Businesses should be allowed after 2-3 years to move on to other services with NO FINES. Harbortouch should be forced to refund all businesses that they fined throughout the years. This is not right, should not be legal and somebody needs to put a stop to Harbortouch and other businesses with unethical Contracts and Collection Practices.

Business

Response:

Harbortouch and the contract which the merchant signed agreeing too is very forth coming with regards to the early termination free involved with the initial contract and the renewal agreement. This is clearly outlined in section D6 of the customer agreement labeled "Signatures". Harbortouch has in its possession and can provide if requested, said portion of the contract, with the merchants signature agreeing to and understanding, the language and content of this specific section. Too add, the cancellation fee that was billed to the merchant had a stop payment made on the withdraw attempt by the customer, customer was never actually debited. The disputed amount currently resides in a collections state within Harbortouch, which merchant is responsible for.

Review: I have been a customer of Harbortouch since 2006 as a provider of merchant services for my business. I am closing that business and was told today that I can not cancel until March 2015 as I am on a 3 year contract with a 3 year renewal or else pay a $250 fee. I disagreed with this and stated so. I was told in 2011 when I called to inquire about terminating my services and switching merchant providers that I was on a month to month contract, I'm sure they can check their records for my call from November of 2011. The rep that I spoke with today said that wasn't the case and I had no recourse. I offered to pay the remaining monthly fees through March so that I can wrap up the business but was told that was not an option. The business is closing and to keep a company held up like this is in my opinion, poor practice, and they need to honor the month to month.Desired Settlement: I would like what I was told in November 2011 regarding my account being month to month to be honored and my account closed immediately without a $250 fee.

Business

Response:

Harbortouch recognizes that [redacted] has been a valued and

loyal customer.

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 4

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

Account. Therefore, Harbortouch will close [redacted]’s account, without penalty.

[redacted] owes Harbortouch no further financial obligation.

Legal Department

Harbortouch

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. As a note to the business and the response, please note that per section 15 of the agreement that I signed on March 21, 2006, the termination fee was to have been waived which perhaps may be why I was referred to as "month to month" when I called in 2011.

Regards,

Review: I have been calling and complaining to support staff since January. They continue to tell someone will cal me back and no one ever does. The problems never get solved no matter what they do or say. The support staff has tried to fix the problems but they have been unsuccessful. They don't know what the problem is and now twice they were supposed to have marked the situation as important and someone was supposed to get back to me shortly. It has been two weeks now since the last time I was told that and still no one has contacted me. Either they need to send someone out here to look at the system itself and try and figure out if they can fix it or they need to send me a new product. I was told a few times that I was using an older program which I question since I recently had purchased it and should have started out with the newer system. I am getting to the point now that either it gets fixed or I will get my lawyer involved because I have been paying full price that was agreed upon but for a system that does not work properly. I can not use it the way that I should be able to. I believe the program is corrupted and therefore not able to work properly and I really want the problem solved so that I can use it the way I had intended to. Right now the system does not, keep inventory correctly, drops vendors and merchandise, can not set up two for one pricing, does not shut down properly, have to sometimes reboot it to get the credit card or/and the amount due stand to work properly and sometimes when scanning a product it will not scan so we go in to put it into the system. Sometimes when we do that it will allow us to and then down the road it will show it was entered twice and sometimes it will pop up a message stating it's already in the system.Desired Settlement: I would like the product replaced with a working unit and I would like to be taken seriously. My patients is running out and if this can not bring the problems to the people who need to fix this then I will bring in a lawyer to handle it legally.

Business

Response:

A supervisor from Harbortouch's POS Support department will be contacting the merchant to resolve any outstanding issues.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. As long as the new equipment works as expected the issue will be resolved.

Regard and thank you,

Review: We applied for the harbor touch POS system. We were approved, but when their technical team went to build the system for our store, they were unable to provide the product or service as promised for our business. The POS system was never sent to us and we have never used their system or merchant service. They are stating they will continue to charge our account for merchant services fees. We are not nor have ever used their merchant or the system as we never received it. We want all charges stopped and cancelled. They also want to charge a cancellation fee for a system they couldn't provide.Desired Settlement: We want the agreement cancelled and no charges to continue. We will not pay for a cancellation fee, as the system was never provided to us.

Business

Response:

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] to contact

Harbortouch directly if anything can be done to retain her business.

[redacted] verbally requested

termination of her Harbortouch Merchant Account on August 27, 2014. In

accordance with the Harbortouch Merchant Transaction Processing Agreement and POS

System Service Agreement, Harbortouch requires all cancellation requests to be

submitted in writing. Although, Harbortouch sent [redacted] cancellation

forms, [redacted] did not return signed copies of these forms to Harbortouch.

Therefore, [redacted]’s Harbortouch Merchant Account remains open.

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

Account. Therefore, Harbortouch will close [redacted]’s account, without

penalty. [redacted] owes Harbortouch no further financial obligation.HarbortouchLegal Department

Review: I have a small business and I use Harbortouch to process my credit card transaction. However there were various fraudulent activities with customers using credit cards. As for my business we are required to check all IDs in when selling our products. With these fraudulent activities, the [redacted] company which issues [redacted] gift cards has taken/ or garnished my business bank account for the total amount of the fraudulent activities. My concern with Harbortouch, is that they are also holding the same amount of funds that the [redacted] company had garnished, if the [redacted] company has taken there et amount of funds which covered the fraudulent activities, there is know reason for the Harbortouch to continue holding the same amount. With this situation taking place, I am not able to run my business affectively. My sole complaint with Harbortouch, is that they should release/ or refund all of my credit cards purchases that is entitled to me, being that the [redacted] company has garnished the full amount of fraudulent activities.Desired Settlement: I would like Harbortouch to refund all of my funds to my bank account.

Business

Response:

We are sorry to hear of Mr.

Gibson’s dissatisfaction with 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

a customer’s complaint very seriously and, if given the opportunity, will do

whatever we can to satisfy Harbortouch customers.

Upon receipt of the

merchant’s Revdex.com complaint the account was investigated and it has been

determined that the disputed funds were the result of chargebacks on the

merchant’s account. The chargebacks are

being released in increments. As of

today, 9/15/14 there are remaining several open cases totaling $277.82 ($9.98;

$257.84; $10.04) and will be under review by the end of the week.

In accordance with the

Merchant Processing Agreement inclusive of the Terms and Conditions, together with its

addenda, attachments and schedules, the

details regarding chargebacks can be found in Sections 13 and 14 titled

“Chargebacks” and can be accessed at www.harbortouch.com/terms. Section 3.9

as amended in Section 11 give us the right to withhold funds for any reason.

Here there appeared to be a fraudulent transaction. The funds are placed in a

non-interest bearing account at our bank and we do not intend to hold the money

any longer than is necessary to protect our interest. As such, we cannot

release the funds at this time but we will reevaluate in another 30-60 days.

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.

Harbortouch

Legal Department

Review: To whom it may concern:

Harbor touch has failed to credit our account with funds owed for unauthorized bank debit transactions from our business account. It started May 2013. We noticed double and triple transaction were being debited from our account, sometimes 3 to 4 transactions in one day. We contacted the company to question the transactions. We never received a straight answer from the company. No one could tell us what account the money was credited to. They have withdrawn funds in the amount of over 500 dollars within a 4 month span. We have never used their merchant processing machine.

Harbor touch was charging us a monthly fee for a piece of equipment we never received (POS system). I contacted Harbortouch and spoke to them regarding this issue and the overpayments that was debited from our accounts, their response was that they never received any payment. I have bank statements to prove that the company debited our account. They have gone as far as sending this issue to a collection agency.

Harbortouch has not taking the time to research our complaint or to look into the matter.Desired Settlement: We are asking for assistance with this matter. We would like for Harbortouch to research our accounts and determine what credit is owed to us. We also would like credit for those payments made on a piece of equipment that was never received.

Business

Response:

The fee's the merchant is referring to can be located on section B4 (Service Charges) of the agreed upon contract. The fee's were withdrawn in accordance to the agreed upon terms and thus are valid. If merchant did not use services, that is irrelevant as the contract is legally binding, non- dependent on use. Harbortouch has acted within the realm of the agreement, and as such no refund will be issued.