LEADERS

The LEADERS Support Department was able to work with this merchant and assist with closing her accountLEADERS wishes this merchant the best of luck in future endeavors and considers this case closed

LEADERS received a notification that a customer of this merchant was disputing a $transactionBecause of this dispute, this merchant was billed a $Chargeback feeDue to the review done by Risk and this recent dispute, the account will remain closedIf merchant would like additional information regarding the Risk review or needs additional information regarding the disputed transaction, this merchant can call the Customer Service Department at ###-###-#### option Tell us why here

According to our records at LEADERS the merchant processed transactions in November using the merchant account that he signed up for on 11/24/He also used the account in December, January and FebruaryLEADERS mailed the merchant a statement each month showing the activity and the fees he was responsible for at the end of each monthThe 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 statementsThe day the account was approved was the day the contract became effective, not the day we finally got the correct account informationThe merchant gave LEADERS incorrect banking information and it took the merchant until January 27,to give us all the correct signed forms and documentation so that we could update the information in our systemIn an effort to resolve this dispute as quickly as possible and as a good faith gesture LEADERS will waive the $the merchant owes LEADERSPlease allow 7-days for the balance to be removed from our systemsLEADERS has advised the merchant via phone that we are clearing the balance owed and we consider this complaint resolved and closed

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 contractThe statement is a standard statement sent to the merchant each monthIt is not a billIt is a statement showing all the merchants transactions and what the merchant paid for themThe settlement that is taken from the merchants account around the first of the month is the amount owed to LEADERS for the processing and monthly fees owed to LEADERSThe statement shows the breakdown of these fees in detailLEADERS customer service would have been happy to explain this information to the merchant if she would have given us the opportunityThe Early Termination Fee billed to the merchant was in her contract and is billed to the merchant if the merchant closes their account prior to the end of their year contractThe merchant was billed the $ETF because she closed her account after months of service with LEADERSThe fee was rejected by the merchants’ bank and never collected by LEADERSAs a good faith gesture, LEADERS will refund the $of the $PCI annual fee collected from the merchantThis refund is for months of the annual fee the merchant did not have an open account with LEADERSLEADERS will also refund the $non-compliance fee the merchant was billed because she never filled out the survey that was required to ensure she was compliantThe reminder to take the survey was on every statement sent to the merchant and the fee was only billed after months when the merchant still had not completed the surveyThe merchant should expect a refund in the amount of $in 7-business daysThe refund may come in two separate depositsAs a final good faith gesture LEADERS will waive the collection balance owed to us for the $ETFLEADERS would like to wish the merchant much success and 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 records LEADERS 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 refund a total of $(which covers the $ESP fee that was billed for November and December)LEADERS wishes this merchant good luck in future endeavors and considers this complaint closed

LEADERS has been serving merchants since We work hard to resolve all complaints our merchants have as quickly and accurately as 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 signedOur LEADERS Support Department has been working with this merchant since their approval date by issuing refunds and lowering fees If the merchant would like to continue processing, we can make a few more rate adjustmentsIf the merchant would like to close the account, we can also close the account and waive the Early Termination FeeWe ask that the merchant call Monica at 800-985-extension with her decision

As a LEADER in the industry Leaders Merchant Services LLC strives to provide the highest quality services to all out merchantsWe strive to resolve any issues with our merchants as quickly and efficiently as possibleWe have reviewed this complaint along with the phone calls that were recorded while the merchant was signing the agreement on the phone with his sales representative as well as the signed merchant agreementThe merchant was billed correctly according to the contract he signedAfter listening to the recording of the conversations between the merchant and his sales representative, the representative never mentioned how the processing would break down between the tiersWe are not sure why the merchant believes he was mis-informed by his representative unless he spoke with other merchant service providers looking for the best rates and possibly got our offer confused with someone elseWe would like to stress that if the rates and fees were not what the merchant felt he had discussed with his representative he should not have signed the agreementLEADERS customer service did offer to lower the merchants rates and to refund the differenceThe rate change was delayed until December and the refund was not processed as per the promise to the merchantLEADERS has calculated the refund to be $and is in process to be being refunded to the merchantSince this was an error on our part LEADERS will also refund the $PCI compliance fee as a good faith gestureThe merchant should see their refunds in 5-business daysAs a final good faith gesture LEADERS has closed the merchant's account with no Early Termination feeLEADERS considers this complaint closed and wishes the merchant much success

LEADERS program guide explains that split transactions are not legal whether part of the transaction is a deposit or not, it is still a total amount owed to the merchant by one customer charged on one credit cardAs explained earlier LEADERS is holding the merchants funds to guard against chargebacks on the account, which is a common practice by risk departments when an account is flagged as a riskThe validity of the transactions are no longer being questionedThe merchant may issue refunds for the funds or the merchant can wait the days to have the account reviewed for release of the fundsLEADERS considers this complaint resolved and closed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11404396, and find that this resolution is satisfactory to me Regards, J [redacted] This resolution is accepted by me only because I don't have time to fight it It is not acceptable because I have monthky statements that say this is not a bill and no where has it ever shown the $that was taken out every month It shows the name of my business on my bank account Nowhere does it show Leaders Merchant They are scam artists and the monthly statements which I can prove show THIS IS NOT A BILL on the top of each statement NO I DID NOT KNOW I WAS BEING BILLED MONTHLYY THe representative who took my application on the phone told me my account would be free of monthly charges Maybe that's why she is no longer working there Advise dont use them, don't trust them, checik they have several bad reviews Don't be fooled by themI did not sign, it's done electronically when you do the on line app also they filled in the figures AFTER it was electronically signed That is not the agreement I agreed to with the person taking the applicationfilled it in after I signed the electronic formI settled I accepted for them closing the account with out early termination fees, but I am not happy I wanted at least a partial refundj [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 complaintThis merchant agreed to a Change in Terms letter and verified the address they wanted their equipment sent toThe mailing address we have is also the same address listed on this complaintUnfortunately, LEADERS is unable to issue any refunds

Leaders Merchant Services LLC has been a leader in the merchant services industry since and we strive to provide the highest quality processing and customer service in the industryWe endeavor to assist all questions or concerns as quickly and accurately as possible and are disappointed to receive a complaint such as thisIn an effort to resolve this complaint LEADERS has reviewed this merchants’ records and signed merchant processing agreementThe signed agreement contains all fees the merchant was billed including the $ETF the merchant was billed for closing their account prior to the end of their year contractAs a good faith gesture leaders will refund the $agreed upon in the signed merchant agreementThe merchant should expect to see their refund in 7-days as long as the fee clears the merchants’ bankLEADERS is not clear why the merchant believes we are an affiliate of Square processing but we would like to make it clear that LEADERS is not an affiliate of SquareLEADERS would like to wish the merchant much success with their business and considers this matter resolved and closed

I was very pleased with the service that I received when talking to a physical person on the phone My account executive was very pleasant and had full knowledge of the service that Leaders Merchants  represents

LEADERS strives to provide the highest quality merchant services in the nationWe regret that a merchant has had to complain to the Revdex.com to get the assistance needed and will strive to make sure this does not happen in the futureLEADERS has carefully reviewed the complaint and the merchant’s recordsAlthough the merchant states he was told he would only be billed $LEADERS does not have any fees that would equal $If the merchant had processed as he claimed he was going to process he would have avoided the Monthly Minimum of $and would have only been billed for his $regulatory fee and processing feesAs a good faith gesture LEADERS has already refunded both November and December Monthly Minimums in the amount of $to the merchantThe merchant disputed his January month end fees with his bank in the amount of $161.95, so they were not paidThese fees included the merchants’ $annual PCI compliance fee, the $regulatory fee and the $monthly minimumThe balance owed was sent to our collections departmentAs a final good faith gesture LEADERS has already waived the $owed to usThe merchant closed his merchant account prior to the end of his year contract and per his signed contract is responsible for the $ETFLEADERS advised the merchant when he asked to close the account he was responsible for the Early termination fee and the fee was mentioned times in his contractSince the merchant did close his account prior to his year contract he is responsible for the feeLEADERS has already refunded/waived $to the merchant and considers this complaint resolved and closed

Leaders Merchant Services LLC, 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 contract All rates and fees billed to the merchant were part of their signed contractLEADERS ensures each merchant is automatically sent a copy of their signed contract to the same e-mail their contract was sent to immediately after they sign and submit the contractIf the information in the signed contract did not reflect what the merchant and the sales representative discussed then the merchant should not have signed the contract or contacted LEADERS immediatelyNothing untruthful has been done by LEADERSThe merchant's bank did not pay the $ETF the merchant is asking LEADERS to refund so therefore LEADERS cannot refund the fee but as a good faith gesture LEADERS will waive the collection balance of $owed by the merchant for closing the account prior to the end of the merchants' year contractLEADERS considers this complaint resolved and closed

LEADERS has been serving our merchants since We strive to resolve all complaints our merchants have as quickly and accurately as possibleIn our efforts to resolve this merchant’s issues, 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 signedThese documents also include the Rates, Fees, Terms and Conditions for their Merchant AccountThe contract 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 signingWe have a recorded call and a captured IP address from Florida that the merchant did in fact sign and submit this applicationThis merchant’s signed agreement acknowledges they read the agreement and agreed to all rates and feesAs a good faith gesture, LEADERS will refund the Early Termination Fee of $ LEADERS wishes the merchant good luck and considers this complaint resolved and closed

Complaint: I am rejecting this response because: You have been absolutely misinformed if you think we continued to process cards after we knew why you were holding funds Your communication was bare bones I left countless messages and my rep gave me the "I'll get this taken care of in no time" speech We started out with ONE card reader, hence the reason the requested limit was so low Remember when I said that David said "oh just guess its not a big deal." When I purchased 70+ additional card readers that is when I should of been informed by my rep that we would need to take steps to increase the limit, not AFTER We offered to provide financials backing the transactions and even discussed a bond at one point but were stonewalled by your "customer service reps." Releasing 45k and then releasing 10k is not a courtesy it is a nuisance and no one can provide a reason for the decrease in funds made available Calling your customers names is never acceptable Your "managers" never returned calls and there were many trying to resolve this Holding our funds could of been a much more pleasant experience if your staff wasn't so unfriendly If they are paid based on the services they provide I'm not sure how they afford to eat Again, no phone calls returned and your response was no apology It again was the bare minimum Had I not complained to an outside source I would of never received a response and I will state again I left countless messages Also, quit referring to the company as a HE, you have dealt with three of us and only one of them has been a man Clearly, paying attention to details is not this companies strong suit Regards, [redacted] ***

Complaint: I am rejecting this response because: The business that I was opening was a photography business that was designed to photograph clients for the Christmas holidays I did call in to cancel this account in November/ early December I spoke to one of the representatives at Leaders stating that I was not pursuing the business and was in no need of their services I took it in good faith that the representative did, in fact, cancel the services Since I did not get charge for December, I concluded that the account was closed I strongly believe that there were highly deceptive practices by Leaders for using a non-descript title as "Bank Card" without the name "Leaders" attached to it Moneys were withdrawn from my account unknowingly by Leaders until I notice a large withdrawal in January and notified Chase bank of this fraudulent activityI put a stop payment on the "Bank Card" withdrawal in Jan and It wasn't until March when the name Leaders came into play on my bank statement that I knew where this was coming from I currently have two claims with Chase for this company under the name "Bank Card" and "Leaders," both of which state the same account number to have the money refunded to my accountAgain the fact that I never started activity is enough to show this was a inactive account Additionally, they knew since January that I was refuting this claim Not only did they continue to try to withdraw money, but they also sent me to collections In summary, over the course of a year, Leaders withdrew $from my bank account without my permission, using a deceptive name, without performing any services for me, and they did so after I canceled their services Therefore, I expect to receive a full refund of all charges Regards, D [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 agreementAll fees that have been billed were either listed on the signed application or notified to the merchant via our monthly statement message; therefore, LEADERS is unable to issue any refundsLEADERS will close this account and waive the Early Termination Fee that was listed on the application as merchant has requestedLEADERS wishes this merchant good luck in future endeavors and considers this closed

LEADERS understands this merchant’s frustrations and has thoroughly reviewed our merchant service records which includes phone conversationsManagement reviewed each call between this merchant and the account executive and concluded this merchant was given correct informationAll fees that this merchant is disputing are listed on the signed application that was submitted for approval by the merchantWhen this merchant first called in July, management agreed to make adjustments on the account and refund a portion of their fees for May and JuneMerchant called again in the beginning of August requesting all fees be refunded for May and JuneManagement agreed to additional refunds for those months as a courtesyWhen this merchant called the very next day, she requested all fees for July to be refunded as wellManagement at this time denied any additional refunds but agreed to closing the merchant account with no Early Termination FeeLEADERS has gone above and beyond trying to accommodate this merchant’s requests without this merchant processing any transactionsAs this merchant has been advised multiple times by different members of management, LEADERS will not be able to issue any additional refundsLEADERS wishes this merchant the best in future endeavors and considers this complaint closed

LEADERS is a company of integrity and is loyal to our merchantsWe are very disheartened to receive a complaint of this natureAfter a careful review of the merchants’ complaint, account notes and the signed contracts LEADERS would like to mention that in good faith we have already worked with this merchant to resolve issues he has had with our companyThe merchant originally opened accounts with LEADERSOne account ending in -was never used and a second account ending in -which he is usingLEADERS sent equipment for both accounts to the merchant and the merchant signed our free equipment agreement for each account agreeing to pay $each month his volume was not as least $Both accounts were available to the merchant everyday for useThe merchant sent in a closure letter for the account ending in -January and the account was closed in MarchLEADERS has already offered to refund the two $equipment charges the merchant was billed while his account was still openWe have advised the merchant to send back the equipment in full working order and the $refund will be issued, if the merchant does not return the equipment the merchant will be responsible for the full price of the equipment per his agreement with LEADERSLEADERS has never billed the merchant $for equipment fees or any other fees so we are not sure what the merchant is taking aboutLEADERS only bills the merchant for the fees the merchant is responsible for each monthWe have not billed the merchant $each month, the merchant was billed $for his account ending in -for the month of February, which is an accurate billing for that monthLEADERS will refund the fees billed to the merchant for January and February for the account ending in -for an additional refund of $As a good faith gesture LEADERS will refund the $ETF the merchant was billed for closing the account ending -prior to the end of their year contractAs a final good faith gesture LEADERS will refund the $equipment fee the merchant was billed in February on his account ending in -since he did not understand how the processing would affect his equipment feesThe merchant should see their refund in 7-business days once everything has cleared the reject reportLEADERS would like to remind the merchant that they need to take their compliance survey and become PCI Compliant to avoid the $PCI Non-Compliance fee that he is being billed each monthThis information was sent to the merchant via their welcome letter and their monthly statement each monthLEADERS considers this complaint resolved and closed and wishes the merchant much success