Harbortouch

We are sorry to hear of the merhcant'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 your client a satisfied Harbortouch customerAfter a detailed review of the merchant account Harbortouch will write off the balance in collectionsThe merchant has no further obligation to Harbortouch Legal Group Harbortouch

A customer service representative will initiate contact in the form of email as requested in settlement

Harbortouch as an attempt to fix the IP related issue had sent swaps in attempts to fixThe swaps itself prove that the issue was not with the hardware and could of very well been a restriction on the network of the customerThis is a common issue that Harbortouch cannot assist with, however is normally resolved by merchant and a 3rd partyThe ETF that was applied was outlined on the cancellation form that I have attached and there is a clear check box above the amount to be debited and the explanation

The account number provided below does not list any of the information the customer is claimingI have nothing on this account in collections and in fact do not show any records of us actually having a terminal on fileThe account was setup as a stage only file which basically means we provide the means for the customer to process through usWe did not actually supply the equipmentThe Sales off of [redacted] may be the party in which this complaint is best suited as Harbortouch only serviced the back end of this account and all billing would of been done through that ISO group

[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: It's a regulatory requirement that the balance of EBT transaction shows on the same receipt as the last transaction in addition to giving the option to check the balance using Balance Inquiry function You still didn't address the concern whether the extra terminal you're suggesting is integrate with the cash register just like the original terminal advertised to do Regards, [redacted]

Harbortouch has notified the representative and advised of the complaint and requested action on there part to help settle the issueAt this point the complaint lies between the ISO and the MerchantHarbortouch will continue to monitor the situation however the discussions are occurring between the rep and merchant

[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 am so glad this is your final response because I'm really tired of detailing the ways you are continuing to rip off consumersOnce again, the disputed has nothing to do with us as a merchant, the dispute has to do with you holding funds, not from us, but from consumers I sincerely hope that these responses are published under public record with the Revdex.com so that others are aware of your business practices of withholding funds from CUSTOMERS as well as the merchantHopefully others will be forewarned against using your services Regards, [redacted]

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; and Once 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

[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 understand what they are saying .But I haven't heard anything from Harbourtouch where they are trying to help me I would love to talk to MrL [redacted] but when I call him at you have to leave a message which I have left many but I don't get a call back Since the machine that I bought was shipped from Harbortouch [redacted] Pa ***....Phone # [redacted] ***..You would think that if I sent it back to them and get a refund they could deal with MrL***....Again MrL [redacted] sold me a machine that I can't use this is Fraud...You are the parent company I would think that you would do a better job hiring honest and trust worthy employees....I am a [redacted] and [redacted] dealer if I treated my customer wrong[redacted] and [redacted] would make sure that I got the problem taken care of..Again I would love to direct my complaint to MrL*** Iam in Illinois and he is out of St peters Moa good Hour and half drive So you people at Harbortouch tell me how to get my money and I will be happy to leave you alone...Thank you and have a great day[redacted] Regards, [redacted]

The account is valid and the agreed upon rates as outlined are in placeWhether or not the sales representative paraphrased all writing was visible and capable of being reviewed by customer signingThe customer signed and initialed all documentsThe contract in hand is legally binding and enforce ableThis appears to be an attempt to cancel account out of remorse with no solid backingAs stated previously this account is legally binding and the merchant will be held to that agreementCancellation would fall under the penalty outlined under the agreement

We are disappointed to hear of Ms Ashcraft’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 customerOn November 18, 2014, [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 Ashcraft’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 contractual agreement between the merchant and Harbortouch is the written Agreement signed and dated as referenced above Any verbal agreement is superseded by the written signed agreement It is not Harbortouch’s policy to “..contact and close the other processors contract, and pay the contract fee associated with breaking lease with other processor ” I have contacted the sales rep to reach out to the merchant Harbortouch has issued the merchant a $courtesy credit which the merchant will see on her next billing statement Should [redacted] have any other issues or questions that need to be addressed I direct her and encourage her to contact our customer support at ###-###-#### Legal Group Harbortouch

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 On March 2014, [redacted] entered into a Harbortouch Merchant Transaction Processing Agreement (“Processing Agreement”) and a POS System Service Agreement (“Service Agreement”)The Processing Agreement governs the terms and conditions whereby Harbortouch agreed to provide [redacted] ***’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 Transaction Processing Agreement (“Processing Agreement”) and the POS System Service Agreement (“Service Agreement”) are attached [redacted] 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 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 Dof the Merchant Processing Agreement The terms of Termination are described in the Merchant Application Section D($or $x number of months remaining in contract whichever is greater per the Merchant Processing Application and Terms and Conditions) inclusive of the Terms and Conditions Section titled Termination of Agreement which can be accessed at www.harbortouch.com/termsAdditionally, the POS System Service Agreement termination fee is (POS systems at $p/mox the number of months remaining in the contract)The details are of early termination is explained in Section of Exhibit A The merchant processed for two months in May and June of before processing activity ceased on his account Harbortouch requires cancellation 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

Harbortouch reiterates all of its prior responses The merchant needs to contact our Charge Back Department at [redacted] to resolve the matter and provide requested information regarding transactions in question This is our final response in this forum Legal Group Harbortouch

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Please cancel my account and submit reimbursement to the bank account it was extracted from Please confirm once everything is completed via email [redacted] 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: Changes of terms/conditions are not acceptable without days prior notice (in order for us to reject such changes in accordance to law)West End was never notified of ongoing and rigorous fee schedule changes that took place throughout During conversations with Harbortouch, they explained the fee increases were due to ***/ [redacted] charging a larger interchange amount, which is also falsehoodThe increase was a direct result of Harbortouch abuse and profitMisleading myself, and others when questioned about rising costs of service - which would waive the class action suit clause in the original agreement We understand there is a cost for these services that Harbortouch offers, however, we were unaware that multiple changes could be made to the original contract without written notice, warning, or advancement We are rejecting their response, and will continue to do so until an agreement and settlement can be made Regards, [redacted]

The merchant contacted Harbortouch customer service on 7/27/indicating his business was closing as of 8/1/and he will no longer require our services On 7/27/a requested cancellation form was generated by Harbortouch for signature by the primary owner of the account Harbortouch never received the requested form from the merchant The merchant stopped processing credit/debit transactions in August of If a merchant is inactive for ninety (90) days and is not a seasoned merchant the account will be terminated I refer the merchant to Section 5.3(J) of the Terms and Conditions In order to protect the ASSOCIATIONS and BANK, BANK may terminate this AGREEMENT effective immediately for any of the following reasons: Jif MERCHANT is inactive for ninety (90) days and is not a seasonal MERCHANT Harbortouch customer service received a cancellation request letter dated 12/19/Subject: Cancellation of Service The merchant indicated that he ceased using our merchant services in September (Merchant did not process since July and with prior indication from merchant that his business was closing 8/1/2014.) 12/23/the merchant account was closed in our databaseAn early termination fee of $was applicable in accordance to the Processing Agreement inclusive of the Terms and Conditions1/26/the merchant account was charged an RMA fee of $for non return of the equipmentPlease see the Terms and Conditions regarding the ECR Program for further details 2/5/Harbortouch received the returned equipment from the merchant On 2/6/Harbortouch issued the merchant a refund of $ for return of the equipment (beyond days of termination as explained in the terms and conditions) All remaining fees and charges are valid in accordance to the terms and conditions No further refunds will be issued

In no way is this response meant to discredit you only to provide you with a resolution to your issue Section A2, the 6th line down on your application Harbortouch asks "Does Merchant Conduct Business Seasonally?" If this box was checked, what you would do is send in a letter advising us to put your account on seasonal hold When your account is on seasonal hold you would not be billed processing charges The problem here could simply be a box was not checked correctly on the Merchant Processing Application My suggested resolution is that we put your account on seasonal hold and refund you for the month you were not processing If this resolution is acceptable, please respond indicating your acceptance of the offer Should the answer be yes, I will have customer service reach out to you Even with a seasonal account the standard contract would still be years, the only difference is you would not be billed when you are out of season Regarding the Independent Sales Organization (ISO), the ISO is an independent contractor and statements made by the ISO cannot be validated 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

We are sorry to hear of [redacted] ’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 the loss of a customer’s business very seriously and, if given the opportunity, will do whatever we can to satisfy Harbortouch customers Harbortouch requires cancellation 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 In [redacted] ’s circumstance, Harbortouch did not receive the written request until July at which time her merchant account was closed in our database In accordance with the Processing Agreement inclusive of the Terms and Conditions, together with its addenda, attachments and schedules the processing equipment is not free and is provided for the use of our processing services The Terms and Conditions, Section titled “FT Program” explains the details and can be accessed at www.harbortouch.com/terms Upon Harbortouch’s receipt of the equipment, we will refund the merchant’s account for $for the returned equipment, waive the restocking fee of $75.00, and credit $for charges incurred in June as explained by Harbortouch customer service Harbortouch Legal Department

A member of our management staff has contacted the merchant regarding the issue The merchant has been provided Log Me In access Our Account Resolution Manager is continuing to work with the merchant address their concerns Legal Group Harbortouch

The fax was sent to [redacted] on 7/to remove the derogThe case is with [redacted] and the time it takes [redacted] to remove the DEROG