LEADERS

Leaders Merchant Services strives to provide every merchant with the highest quality merchant services possible, and to receive a complaint such as this is dishearteningAs a result of this complaint LEADERS has investigated what the merchant has been billed versus what was in their contractAll rates and fees billed to the merchant were part of their signed contractLEADERS did have an issue with the merchants PCI compliance but we have refunded the merchant for the non-compliance fees he was billed in errorThe merchants’ account was also affected by the rate increase in October from Visa/MasterCardThe merchant contacted our customer care department in November and the monthly minimum was lowered to help accommodate their low volume of processingLEADERS has done nothing deceptive or tricky, but as a good faith gesture LEADERS will close the merchants’ account per his request in this complaint and waive the $ETFLEADERS considers this complaint resolved and closed

Leaders Merchant Services strives to provide every merchant with the highest quality merchant services possibleIn our efforts to resolve this merchant’s issue, LEADERS has thoroughly reviewed our Merchant Service recordsLEADERS has not and does not charge merchants rates and/or fees that have not been disclosed to the merchant in advanceAll charges to this merchant are as previously disclosed and the merchant did sign a merchant agreement that included an Early Termination FeeAs a good faith gesture, LEADERS will remove the Early Termination Fee so this merchant may close their account at any time (please contact our customer service team to process the request)LEADERS wishes this merchant good luck in future endeavors and considers this complaint closed Tell us why here

LEADERS has received the merchants complaint and because her phone was not compatible with our system we will resolve this complaint as quickly as possibleLEADERS will refund the $for the merchant’s November month end feesThe merchant should see her refund in 7-business daysWe wish the merchant good luck with future endeavors!

Complaint: I am rejecting this response because: they actually have overcharged me in occasions and have no interest in correcting this problemSeveral calls, emails, and messages have gone unansweredHowever is coming out of my account monthlyNot the which they claim Regards, C [redacted] ***

Per LEADERS' previous response sent to the Revdex.com regarding this merchant's complaint we have already refunded the last months of fees on her account as a good faith gesture, totaling $As a final good faith gesture LEADERS waived the $ETF the merchant was responsible to payAs explained by our previous response it is required by the merchant to sign a closure letter for LEADERS to close their accountThe merchant did sign her contract to begin her account electronically but we do not have the closure process set up on electronic signature so a signed closure letter is requiredAs a courtesy LEADERS accepted the Revdex.com complaint as a signed request to close her accountLEADERS has explained to the merchant how to close her account properly and since the merchant did not properly close her account, the merchant account continued being billedLEADERS does not owe the merchant any further refundsIt is the merchants responsibility to adhere to the agreement she signedLEADERS considers this complaint resolved and closed

Complaint: I am rejecting this response because:THEY TOOK OUT $ON 11/13/FOR NO REASON.THIS ACCOUNT WAS CLOSED ON 10/16/15.I WANT ALL OF MY MONIES BACK,NOT JUST $CANCELLATION FEE AND $FEE FOR MACHINE WHICH THEY NOW HAVE>>>>GRAND TOTAL OF MY MONEY THEY STOLE WAS $!!!!!! AND Regards, H [redacted] ***

Leaders Merchant Services strives to provide every merchant with the highest quality merchant services possibleIn our efforts to resolve this merchant’s issue, LEADERS has thoroughly reviewed our Merchant Service records, which include the Merchant’s signed AgreementThe Agreements, formed by the 4-page Merchant Application, and Merchant Services' “Program Guide”, clearly indicate that the merchant has, in fact, been billed correctly according to the documents they signedThe contract which all merchants are required to sign ensures all parties involved understand the rates and fees that are going to be billed to the merchantAll rates and fees have been clearly indicated in the contract for the merchant to see prior to signingThis merchant’s signed agreement acknowledges they read the agreement and agreed to all rates and feesAs a good faith gesture, LEADERS will waive the collection balance on the account as well as refund the Early Termination Fee that was billedThe refund will take approximately 7-business daysLEADERS wishes the merchant good luck in future endeavors and considers this complaint closed

Complaint: I am rejecting this response because: I am responding late to the complaint #since I have had surgery on my eyesAfter reading the response from the vendor, all the facts are falseI originally contact the company and a another company inquiring about credit card services for my customersAfter my first conversation on the phone, I was thinking about itI was receiving consistent phone calls daily to join their serviceI was extremely explicit as to the terms of the service that I neededThe person at Leaders assured me that this is exactly how I would be provided serviceI accepted what our verbal agreement was and I explained the I was not able to read the contract that she was insisting that I needed to signI found that not to be problem since they need to provide this agreement to my TD Bank so they could link my credit card service to my checking accountI explicitly explained that since I take care of surgery patients on a very inconsistent basis, I could not be a part of their service if I had to pay a monthly feeI explained that I did not mind if I needed to pay a higher percentage per each activation of the serviceThe person at Leaders reassured me that that was perfectly fine and that I would not be responsible for any other feesI only get patients very infrequentlyMaybe I can have two patients in one month and no other patients for monthsThen I get my statement from TD Bank with charges being deducted for May and June in the amount of $eachWhen I called the manage at the corpoffice he said he would listen to the recorded phone callHe then assured me that I would not have to pay anything at all and that he would refund all my charges because in the recorded message it was not explained to me correctlyI asked him that I wanted to cancel my service but he assured me that he could work the plan for me "any way that he wanted to" and assured me that I would not need to pay anything at all except when I used the service The manager waited months to credit my TD Bank Account for May and June that were erroneously chargedThat was not the agreementThis happened after tons of phone callsThen he decides to continue to withdraw money out of my checking account in the amount of $which he refuses to refundHe promised that I would pay zero because the service was not explained to me correctly and I made it absolutely clear what terms and conditions I would accept due to the nature of my business Regards, O [redacted]

As a leader in the merchant services industry, Leaders Merchant Services, LLC, endeavors to provide superior merchant processing services to all of our merchantsIn our efforts to resolve this merchants issues, LEADERS has thoroughly reviewed our Merchant Service records, which include the Merchant’s signed AgreementThe Signed Agreement, clearly indicates that the Merchant has, in fact, been billed correctly according to the documents he signedThe merchant did not use the account but is responsible for the $monthly minimum each month that he agreed to when he signed his agreementAs a good faith gesture LEADERS will refund the $monthly minimum to the merchant for his September fees and will refund the $ETF the merchant was billed for closing his account prior to the end of his contractTotal refund will be $and the merchant should receive the refund in 7-business days as long as all the fees cleared his bank accountLEADERS is not responsible for any overdraft fees since the fees billed to the merchant were fees agreed upon in the signed contractLEADERS considers this complaint resolved and closed

LEADERS works hard to resolve all complaints our merchants have as quickly and accurately as possibleOur records indicate the $and the $were not collected due to being rejected by the merchant therefore, LEADERS is unable to reimburse this merchantLEADERS wishes the merchant good luck in future endeavors and considers this complaint resolved and closed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 9899081, and find that this resolution is satisfactory to me Regards, [redacted]

LEADERS Merchant Services strives to provide every merchant with the highest quality merchant services possibleIn our efforts to resolve this merchant’s issue, LEADERS has thoroughly reviewed our Merchant Service records, which includes the merchant’s signed agreement Although the merchant was able to complete a test transaction with our Installation Department using the ePN card reader, LEADERS does acknowledge there has been no processing on this accountLEADERS will refund this merchant fees that were billed for October, November, and December as well as the Early Termination FeeThe refunds will take approximately 7-business daysLEADERS wishes this merchant good luck in future endeavors and considers this complaint resolved and closed

Tell us why here...As a one of the fastest growing merchant service providers in the nation LEADERS takes pride in resolving any issues a merchant may have with LEADERS as quickly as possibleLEADERS has reviewed the merchants’ complaint and pulled the signed contractTo ensure full disclosure during the application process, LEADERS created an Online ApplicationDuring this Online Application process, on their computer screen, the merchant can clearly and easily see each and every rate and fee as well as the complete terms and conditions applicable to the Merchant Account they will be opening with usIn addition, once the merchant completes the Online Application, they are sent a link via email that will allow them to print a hard copy of the documents they signedThese documents also include the Rates, Fees, Terms and Conditions for their Merchant AccountIf the rates and fees did not match what the merchant and the sales representative discussed then the merchant should not have signed the contractAll rates and fees LEADERS has billed the merchant are in their signed contract including the early termination fee and the PCI compliance feesAll LEADERS merchants also receive a welcome packet via mail when they open their account with usIn the welcome packet PCI compliance is explained to the merchantIt is also explained that all merchants must take a PCI compliance survey within the first months of their account being open and annually thereafter to ensure they are processing their credit cards within industry guidelines to prevent fraud and abuseLEADERS sends reminders to take the PCI compliance survey via the merchants statement message every monthThe statement message reads “ ***IMPORTANT PCI AND IRS/TIN REMINDERS [redacted] AS A REMINDER MERCHANTS ARE REQUIRED TO ADHERE TO PAYMENT CARD INDUSTRY (PCI) DATA SECURITY COMPLIANCE AS A CONDITION OF THEIR MERCHANT AGREEMENTIT IS CRUCIAL THAT MERCHANTS COMPLETE THE PCI SELF ASSESSMENT QUESTIONNAIRE (SAQ) ANNUALLY, OR AS OTHERWISE REQUIRED AND IF NECESSARY UNDERGO SCANNING SERVICES ON A QUARTERLY BASISMERCHANTS MUST UPHOLD THEIR PCI COMPLIANT STATUS AT ALL TIMES TO AVOID NON-COMPLIANCE FEES AND OTHER POTENTIAL RELATED CHARGES AND ASSESSMENTS WHICH CAN BE CHARGED AND/OR INCREASED AT ANY TIMETO BEGIN AND MAINTAIN YOUR PCI COMPLIANCE PLEASE VISIT HTTPS://COMPLIANCE.MERCHANT-INFO.COM....” The merchant can also contact customer service who will assist the merchant in getting in contact with the PCI Compliance administratorsLEADERS has no record of the merchant calling in to customer service about the PCI compliance surveyThe merchant did not complete his survey annually and was billed the $non-compliance fee because of his non-compliance per his statement messageLEADERS would like to resolve this complaint with the merchant so as a good faith gesture LEADERS will refund the $Early termination fee he was billed because he closed his merchant account prior to the end of his year contract with LEADERSLEADERS would like to wish the merchant much success and considers this complaint resolved and closed

Complaint: I am rejecting this response because: I explained to the person I talked to at Leaders, that I didn't have any documentation showing that the business was closed on May 1, I ask her where would I get such a documentShe told me to contact the county office where the business was locatedI did this and the attached paperwork (scan of doc from county.pdf) is all they sent me back saying the business is closed effective May 1, I faxed this to them, at leaders, with the Close Merchant Request Form they sent me on 8-24-showing where the business had closed Regards, [redacted] ***

LEADERS would like to state that if the merchant had contacted Member services the amounts in question in this complaint would have been explained to herThe withdrawal on 10/28/was for the balance of the transactions on 10/26/The merchant had credits in the amount of $and returns of $The daily discount for those charges was $The net amount to the merchant was $which was withdrawn from the merchant’s accountThe $that was withdrawn from the merchants account was for her October month end feesThe merchant is responsible for the October month end fees since she did process in the month of October and no refund will be issuedThe merchant should receive her statement which will give her a total breakdown of all fees billed to her within business days

LEADERS Merchant Services is a leader in the merchant servicesindustry and works diligently to take care of our merchantsLeaders hasreviewed the merchant’s application and all merchants recordsAll fees chargedto the merchant are correct according to his signed contractOur system onlybills according to the contract not verbal agreementsIf the contract did notmatch any verbal agreements the merchant felt were discussed, then the merchantshould have had his representative update the contract prior to signing itInaddition, this account has been open for more than a year and the merchant hasprocessed a significant amount of transactions each monthIf the merchant wasunhappy with the charges on the account, the merchant should have called ourCustomer Care department immediately to try and resolve the situationInsteadthe merchant continued to process for monthsRegarding the minimum processing the merchant referred to in hiscomplaint, the merchant was also signed up for the Free Terminal Program whichstipulates that the merchant will process a minimum of $3,or he will becharged a fee of $for every month the processing volume was less than$3,This free terminal agreement and any charges are separate from themonthly fees listed on the merchants applicationWhen the merchant agreed toand submitted the merchant application and free terminal program letter, themerchant was sent a link to access copies of both of these agreements As stated above, if the merchant was not happywith any of the contract terms, he should have contacted Leaders immediatelyinstead of processing for monthsAs a good faith gesture, Leaders hasclosed the account and waived the $Early Termination FeeLeaders considersthis complaint closed

Don't do business with this merchant companyI'm taken back over the amount of complaints and should have done my homeworkBelieving they're a merchant company, I trusted adequate boundaries being this is bankingThey're likened to a kid on drugs that goes gangbusters with a parent's bank accountYou get quite a surprise at every turnThey need to be held responsibleThey pull money without your consent or knowledge

VERY DECEPTIVE ADVERTISING!! They advertise rates starting as low as .335%That may be the case, but if the card is "this" type of card or "that" type of card, there may be more feesI have been a customer of theirs for months, and the first statement I received showed an effective rate of 4.75%I was paying that with my old processor! I decided that I would not use them and stopped halfway through the 2nd month and to my dismay, I just received a statement that showed an effective rate of 5.6% for the month I decided to discontinue their service and once again a surprise! I was told that was fine but I would incur a termination fee of $350.00! Surprise, I had a year contractNow this is a lot my own fault, but I guarantee had the person I talked to originally on the phone said ANYTHING about a year contract, I would have run as fast as I couldI'm years old and don't plan on being in business but for another years at mostI'm sure that it is in the mountain of paperwork that I received concerning the term of the agreement but in this day and age, you can get too trusting with people you talk to on the phone At any rate, as I said, I shoulder a lot of the blame but it will be worth $to be separated from this company DON'T BE FOOLED BY WHAT SOUNDS LIKE A LOW RATE! THE OLD ADAGE "IF IT SOUNDS TOO GOOD TO BE TRUE" CERTAINLY APPLIES TO THIS OUTFIT!!

LEADERS understands this merchant’s frustration; however, the steps our Risk Management department have taken follow Industry-wide standards and protocol by holding and validating the merchant’s monies and transactions in order to protect against the threat of high risk transactions and fraudulent activityBased on the review of this merchant’s processing, it was determined the merchant account would be closedAs a good faith gesture, LEADERS will refund the Early Termination Fee once we have confirmation from the merchant’s bank that LEADERS did collect this feeThe refund process takes approximately 7-business daysLEADERS wishes this merchant good luck in future endeavors and considers this complaint closed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10077159, and find that this resolution is satisfactory to me Regards, [redacted] ***