LEADERS

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10288364, and find that this resolution is satisfactory to me.
Also if they actually reimburse me for the additional damage that was done I would be grateful.
They have caused my account to go negative for a long time!
Overdraft fee's refunded would be appreciated.
Regards, [redacted]

The funds this merchant is
referring to were held due to the merchant processing over his approved High
Ticket limit. The Merchant has been in contact with our Risk Department and was
advised to call back on November 27th. As long as the debit did not
reject by this date, the funds would be released. The merchant is urged to call
the Risk Department at ###-###-#### should there be any additional questions
regarding the release. LEADERS wishes the merchant good luck and considers this
closed.

As previously mentioned, all contact information this merchant has provided with this complaint is the same contact information LEADERS has on the application as well as the IP address of where this application was signed. LEADERS can also confirm this merchant called the Customer Service Department on October 3rd stating they needed to close the merchant account due to going out of state and requested a refund for month end fees that were billed. This merchant declined all retention efforts made by the Customer Service Department.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11593139, and find that this resolution is satisfactory to me.
Regards,
J[redacted]

Leaders Merchant Services strives to provide every merchant with
the highest quality merchant services possible. In our efforts to resolve this
merchant’s issue, LEADERS has thoroughly reviewed our Merchant Service records,
which include the Merchant’s signed Agreement. The...

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 signed. The 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 merchant. All rates and fees have been clearly indicated in the
contract for the merchant to see prior to signing. This merchant’s signed
agreement acknowledges they read the agreement and agreed to all rates and
fees. As a good faith gesture, LEADERS will waive the collection balance on the
account as well as refund the Early Termination Fee that was billed. The refund
will take approximately 7-10 business days. LEADERS wishes the merchant good
luck in future endeavors and considers this complaint closed.

LEADERS works hard to resolve all complaints our merchants have as quickly and accurately as possible. In our efforts to resolve this merchant's issue, LEADERS has thoroughly reviewed our Merchant Service records, which includes the merchant's signed agreement. LEADERS does not have a copy of the...

email this merchant stated they still have and show the earliest this merchant called in regarding their fees was April 2014. LEADERS made numerous follow up calls to the merchant with no return phone call. LEADERS asks this merchant to forward this email they received from the rep to [redacted]@LEADERSMERCHANTSERVICES.COM for further review.

Complaint: 10999390
I am rejecting this response because:
This company made unauthorized withdrawals from my bank account. They changed the terms of my contract without my approval or authorization and began making sizable withdrawals from my checking account. At no time did I authorize these withdrawals. The contract terms I agreed to were no fees. The withdrawals did not show up under the name of Leaders Merchant either which caused a great deal of confusion for me. I have closed the account and with the Revdex.com help had those fees reversed but am still looking at unauthorized withdrawals which also caused an unexpected overdraft on the account which brought on additional fees. I have contacted the bank and they are able to reverse one of the three withdrawals as it falls within the acceptable range for them. There are still 2 additional withdrawals and the late fee which I would like to be reversed. Withdrawal information: 10/2/2015 ACH Payment 169 BANKCARD MTOT DISC 11/2/2015 ACH Payment 75.5 BANKCARD MTOT DISC 12/2/2015 ACH Payment 99.89 BANKCARD MTOT DISC 12/16/2015 Overdraft Charge 25 Item(s) Presented 12/15/2015 To me, this is fraudulent practice. They were never authorized to do anything other than deposit money into this account.
I would like a full refund of the October and November charges as well as the overdraft charge. The December reversal is being handled by the bank directly. The others cannot be due to their regulations of time. 10/2/2015 ACH Payment 169 BANKCARD MTOT DISC 11/2/2015 ACH Payment 75.5 BANKCARD MTOT DISC 12/16/2015 Overdraft Charge 25 Item(s) Presented 12/15/2015
Regards,
P[redacted]

LEADERS has reviewed our merchant service records and the only contact information we have in our system is the same information this merchant submitted with this complaint. This merchant...

agreed to a Change in Terms letter and verified the address they wanted their equipment sent to. The mailing address we have is also the same address listed on this complaint. Unfortunately, LEADERS is unable to issue any refunds.

Complaint: 10545148
I am rejecting this response because: The final bank transaction that completed my full enrollment in the contract did not happen on 1-27-15, it happened on 2-3-15 when Leaders was finally able to begin taking charges from my account.  At that time, when I saw with my own eyes, the enormous add ons and hidden charges and one time annual fees and the like, as they mounted and chipped away at the meager monies I had taken in to that date, the eye popping gouging of Leaders taking this money from me, immediately prompted my reality that I had been swindled and manipulated and gouged by their falsely worded and misleading salesmanship that came from their 48 pages of highly Legalized wording written in tiny font and hidden through that horrid document they call a contract.  Once I realized my worst nightmare about Leaders Merchant Services, I IMMEDIATELY SENT THEM A LETTER DATED 2-4-15, and immediately went to my band and asked them to stop Leaders from continuing to ransack my money from my account.  ONE DAY after we became finalized was when I had discovered who Leaders really was. Look at their response and the greed that caused my reaction to this three year contract I found myself chained to...they want me to now pay them over $500.00 to get out of their fraudulent and blatantly misleading contract.  They will face legal challenges for years if they really ruin my recently upgraded credit.  I suggest that Leaders step off this defiant position they have initially taken and release me immediately from their grasp...without any damage to me or my credit, and to return the gross overcharges they instituted in that fraudulent document. 
Regards,
[redacted]

Complaint: 10311560
I am rejecting this response because:  It appears that the Leaders representative has selected to get over rather than answering my complaint.  I am 72 years old and was not born  yesterday.  For the past year  I have had to contact Leaders more than 20 times because of their poor service.  This has cost us money during working hours and off working hours.   By again talking to a Leaders representative all I will again hear is more not fulfilled promises, lies and runarounds.  They need to pay us what they owe us.  Our agreement was for  a 1.9% monthly charge, not 23%, 12%and 19% for one of our businesses and  13%, 10% and 22% for out other business.  
Regards,[redacted]

According to our records at LEADERS the merchant processed transactions in November using the merchant account that he signed up for on 11/24/2014. He also used the account in December, January and February. LEADERS mailed the merchant a statement each month showing the activity and the fees he was responsible for at the end of each month. The merchant had a copy of the agreement he signed for this entire time, but he never once contacted LEADERS with any questions or concerns about the contract or his statements. The day the account was approved was the day the contract became effective, not the day we finally got the correct account information. The merchant gave LEADERS incorrect banking information and it took the merchant until January 27,2015 to give us all the correct signed forms and documentation so that we could update the information in our system. In an effort to resolve this dispute as quickly as possible and as a good faith gesture LEADERS will waive the $520.72 the merchant owes LEADERS. Please allow 7-14 days for the balance to be removed from our systems. LEADERS has advised the merchant via phone that we are clearing the balance owed and we consider this complaint resolved and closed.

LEADERS understands this merchant’s frustrations and has thoroughly reviewed our merchant service...

records which includes phone conversations. Management reviewed each call between this merchant and the account executive and concluded this merchant was given correct information. All fees that this merchant is disputing are listed on the signed application that was submitted for approval by the merchant. When this merchant first called in July, management agreed to make adjustments on the account and refund a portion of their fees for May and June. Merchant called again in the beginning of August requesting all fees be refunded for May and June. Management agreed to additional refunds for those months as a courtesy. When this merchant called the very next day, she requested all fees for July to be refunded as well. Management at this time denied any additional refunds but agreed to closing the merchant account with no Early Termination Fee. LEADERS has gone above and beyond trying to accommodate this merchant’s requests without this merchant processing any transactions. As this merchant has been advised multiple times by different members of management, LEADERS will not be able to issue any additional refunds. LEADERS wishes this merchant the best in future endeavors and considers this complaint closed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11553239, and find that this resolution is satisfactory to me.
Regards,
E[redacted]

Complaint: 11078767
I am rejecting this response because: There was nothing in any documentation that an account with Leaders Merchants takes 30 days to cancel. The assumption is that a cancellation of account form was sent to me via a Leaders Merchant customer service rep with the understanding that once signed and sent in, the account is closed on that day. Therefore, it is incumbent that Leaders refunds the remaining fees stolen from my checking account on or after Nov 5, 2015.
This company is stealing from consumers and I have elevated this issue with a much higher authority in the government about this company. One way or another, I believe God is on my side and Leaders Merchants will be held accountable for not only stealing money from me but also the hundreds if not thousands of consumers. This is a criminal act and the CEO and those responsible for ordering this type of behavior should (and potentially will) be put in prison. 
Regards,
R[redacted]

Complaint: 11802097
I am rejecting this response because:
 
Regards,
V[redacted]
I am rejecting the answer provided by the business on the following grounds:
 
I am rejecting the answer provided by the business on the following grounds:
Ipayment/Leadersis again misrepresenting the truth.
The “disputed” transaction of $300.00 they are referring to is not a chargeback or a dispute.  It is an American Express RETRIEVAL. Retrievals are generated when a cardholder does not immediately recognize a transaction, and requests supporting documentation to clarify the payment.  RETRIEVALS DO NOT GENERATE A DEBT AND SHOULD NOT BE DEDUCTED FROM A SLLLER’S BANK ACCOUNT.  Moreover, retrievals DO NOT GENERATE FEES as chargeback’s do.
Retrieval can become a chargeback if documentation is not sent within 15 business days from the retrieval date.  That has not been the case, as the singed charge slip was sent to the proper department on 11-16-16.
THESE FACTS ARE CLEARLY SPECIFIED ON THE TERMS OF SERVICE I SIGNED WITH LEADERS/IPAYMENT.
Credit to my account is due immediately,  Ipayment cannot anticipate that this retrieval will become a chargeback, and has no right to take money from my account before hand.
Note that ipayment has not addressed the fact that they have not returned the second termination fee they charged me and the two last batches of sales I procssed.

Complaint: 11426503
I am rejecting this response because:
they actually have overcharged me in 3 occasions and have no interest in correcting this problem. Several calls, emails, and messages have gone unanswered. However 39.95 is coming out of my account monthly.... Not the 9.95 which they claim. 
Regards,
C[redacted]

LEADERS has been serving our merchants since 2000, and our attention to detail and superior customer service has made LEADERS one of the largest merchant service providers in the industry. We strive to resolve allcomplaints our merchants have as quickly and accurately as possible. In...

our efforts to resolve this merchant’s issues, LEADERS has thoroughly reviewed our Merchant Service records, which include the Merchant’s signed Agreement and theFree Terminal Letter enrolling the merchant in the Free Terminal Program. The Agreements, formed by the 4-page Merchant Application, a Free Terminal Letter, and Merchant Services' “Program Guide”, clearly indicate that the Merchant has,in fact, been billed correctly according to the documents they signed. These documents also include the Rates, Fees, Terms and Conditions for their Merchant Account as well as the free terminal program. The contract all merchants arerequired to sign ensures all parties involved understand the rates and fees that are going to be billed to the merchant. All rates and fees have been clearly indicated in the contract and the Free Terminal Program for themerchant to see prior to signing. If for some reason the sales representative failed to go over any fees the merchant will be charged, the contracts detail the fees so the merchant can clearly see them before signing. This merchant’ssigned agreement acknowledges they read the agreement and agreed to all rates and fees. The merchants account is closed however based on the Free Terminal Letter the merchant also agreed to, the terminal must be returned in goodworking order or the merchant will be charged applicable fees listed in this letter.  As a good faith gesture LEADERS will refund the $250 Early Termination fee. The merchant should see this refund in 5-7 business days. LEADERS wishes the merchant much success and considers this complaint resolved and closed.

While LEADERS understands this merchant's frustration, the steps LEADERS has taken are directly related to the facts involved with this merchant's activity. Our Risk Management department follows industry-wide standards and protocols, which are designed to protest us from the threat of high risk...

transactions and fraudulent activity. The facts regarding his merchant's actions are clear: 1) The merchant applied for a merchant account with LEADERS on January 29, 2016 and the account was approved that same day. 2) The merchant requested and was approved for a monthly volume limit of $30,000 and a maximum high ticket of $5,600. 3) Within the first 90 days following the account being approved, this merchant received 4 Chargebacks and processed transaction over both their monthly processing limit of $30k as well as their high ticket of $5,600 4) The 4 Chargebacks this merchant received indicate the customer believes the merchant ran fraudulent transactions on their credit card. As a result of risk associated with the merchant's activity, our Risk Department has place a hold on this merchant's account and is holding funds for a 90 day review. We have informed the merchant of this and a Risk Manager also called the merchant to go over this as well. Our staff will work diligently on the review and will keep the merchant informed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11254067, and find that this resolution is satisfactory to me.
Regards,
M[redacted]

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 activity. Based on the review of this merchant’s processing, it was determined the merchant account would be closed. As 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 fee. The refund process takes approximately 7-10 business days. LEADERS wishes this merchant good luck in future endeavors and considers this complaint closed.