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This matter was resolved on? 12/8/16? when a partial refund of $19,was issued to our customer, reducing the ETF to $The ETF is not waived because the request for closure comes from us or from one of our banking partnersThe Merchant Processing Agreement states that it is the merchant’s responsibility to maintain their processing within the parameters set forth in the agreement, and consistent with the approved business modelThe ETF is clearly disclosed in the Ts & Cs of our Merchant Processing AgreementThe merchant was contacted directly regarding the reduction of ETF, and was satisfied with the refund amount.Best,? [redacted] ? [redacted] Director, Customer Experience? Office? ? ? ? ? ? ? ? ? ? ? ? ? ? [redacted] ***, x***FAX? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? [redacted] ***Email? ? ? ? ? ? ? ? ? ? ? ? ? ? [redacted]

Mr [redacted] ,I have reviewed your accounts and see there were several communications with our retention team regarding the closure of your account and ETFI do not see there was any escalation to resolved this internallyI do see a documented conversation showing that the signed contract was shared with you, showing acknowledgement of the terms and conditionsIn this communication you stated that you could have signed it, but do not recallIn this communication string there is an acknowledgement that while the ETF may have been disclosed, it was in the fine print, and therefore not reviewedI am happy to speak with you regarding this issue furtherPlease feel free to reach out to me directly regarding this issue.Best, [redacted]

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me.? I will wait? for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint.? For your reference, details of the offer I reviewed appear below [redacted] , the representative on behalf of the business has stated, " In this communication string there is an acknowledgement that while the ETF (early termination fee) may have been disclosed, it was in the fine print, and therefore not reviewed."? The ETF was not disclosed prior to signing any sort of contract.? I again reiterate that this company has been intentionally deceptive with their contract and has in no way done anything to work towards remedying the problem other than force me to bring it into public forum Regards, [redacted]

Thank you for letting us know about this concerned customer.? I have reached out to Patricia at the telephone number provided and left a message with her to ensure her accounts have been closed and any necessary refunds applied to her account.Best, [redacted] Director of Customer Experience

Thank you for letting us know about this concerned customerI have reached out to Patricia at the telephone number provided and left a message with her to ensure her accounts have been closed and any necessary refunds applied to her account.Best, [redacted] Director of Customer Experience

As per the merchant processing agreement (MPA) and program guide the merchant was in a year contract Merchant was approved 3/19/ The merchant was billed an early cancellation fee as described in the Account Cancellation Form The verbiage reads, “Termination of this Agreement prior to the expiration of the initial Term or Renewal Term shall result in the assessment of an ‘Early Cancellation Fee’ in an amount equal to the greater of (A) the average monthly processing fees charged to the Merchant over the last months (or such shorter if Merchant for less than months) multiplied by the remaining months of the Agreement or (B) $495.00; in addition to all other amounts owed by Merchant to Meritus ” The merchant crossed-out sections of the Account Cancellation Form without receiving our consent We enforced the fee as described In regards to processing debits, we have no records of this functionality not working for the Merchants However, without explanation, we received a request in September to remove the debit function Furthermore, the Merchant was billed debit access fees until January however; the Merchant was reimbursed all fees

We have investigated the claims and allegations presented in the BBB Complaint (ID 10019442). A number of our findings are listed below. 1. Two (2) accounts were opened on 3/15/2012 a. Account Ending in ***; FD 100ti 48 Month Lease w/ FDGL @ $29.95 per month and $5.00 Monthly Service Fee b. Account ending in ***; Payment XP w/ $5.00 Monthly Service Fee and $10.00 per month Gateway Fee 2. Account ending in [redacted] was closed on 09/28/2012. At the time of closure had a collections balance of $237.01 for August processing ($212.01) and Return Fee ($25.00). The ETF was waived. 3. Account ending in [redacted] was closed on 09/28/2012. On 3/28/2012 had Welcome Call for Payment XP (Spoke with merchant). On 5/28/12 merchant called in and reviewed processing statement. On 10/12/12 merchant stopped payment on account. 4. Through September 2012 had processing on both accounts. Because the circumstances over the second account (Account ending in ***) are vague for all parties involved, we have ceased all collections efforts. There is no further action required in addressing this case.

Thank you for bringing this important matter to our attentionWe have reached out to the merchant directly to resolve any dissatisfaction and come to a mutually beneficial resolutionWe will keep you appraised of the progressAt this time we are awaiting the customer's response.? Best,? [redacted] SrDirector Customer Experience and Client Relations

This matter was resolved on 12/8/16 when a partial refund of $19,was issued to our customer, reducing the ETF to $The ETF is not waived because the request for closure comes from us or from one of our banking partnersThe Merchant Processing Agreement states that it is the
merchant’s responsibility to maintain their processing within the parameters set forth in the agreement, and consistent with the approved business modelThe ETF is clearly disclosed in the Ts & Cs of our Merchant Processing AgreementThe merchant was contacted directly regarding the reduction of ETF, and was satisfied with the refund amount.Best, *** *** ***Director, Customer Experience Office ** *** *** ***, x***FAX ** *** *** ***Email ***
***

This complaint actually references two merchant accounts
approved by Meritus for the legal entity named Sharp Media LLC: Slim Garcinia
Secret; New Power Incomes
The total amount collected in Reserves for Slim Garcinia
Secret was $26,As a result of $13,being withdrawn from Reserves
to pay outstanding balances due on the merchant account, this client now has a
Reserve balance of $13,Per the terms of the merchant Agreement, the
Reserve Account can be held for the greater of i) months after
termination/expiration of the Agreement or ii) for such longer period of time
as is consistent with our liability for transactions and chargebacks in accordance
with Card Association RulesConsidering that it has been almost months since
the last chargeback was received, and over months since the merchant
Agreement was terminated, Meritus will be releasing the full Reserve balance of
$13,to the client by no later than 9/15/
The total amount collected in Reserves for New Power Incomes
was $7,As a result of $2,being withdrawn from Reserves to pay
outstanding balances due on the merchant account, this client now has a
Reserve balance of $4,Per the terms of the merchant Agreement, the
Reserve Account can be held for the greater of i) months after
termination/expiration of the Agreement or ii) for such longer period of time
as is consistent with our liability for transactions and chargebacks in
accordance with Card Association RulesConsidering that it has been over
months since the last chargeback was received, and over months since the
merchant Agreement was terminated, Meritus will be releasing the full Reserve balance
of $4,to the client by no later than 9/15/

This complaint actually references two merchant accounts
approved by Meritus for the legal entity named *** *** ***: *** *** *; *** *** ***
The total amount collected in Reserves for *** *** *
was $27,As a result of $20,being withdrawn from Reserves to pay
outstanding balances due on the merchant account, this client now has a
Reserve balance of $6,Per the terms of the merchant Agreement, the
Reserve Account can be held for the greater of i) months after termination/expiration
of the Agreement or ii) for such longer period of time as is consistent with
our liability for transactions and chargebacks in accordance with Card
Association RulesConsidering that it has been almost months since the last
chargeback was received, and over months since the merchant Agreement was
terminated, Meritus will be releasing the full Reserve balance of $6,to
the client by no later than 9/15/
The total amount collected in Reserves for *** *** ***
was $

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Mr***,I have reviewed your accounts and see there were several communications with our retention team regarding the closure of your account and ETFI do not see there was any escalation to resolved this internallyI do see a documented conversation showing that the signed contract was shared
with you, showing acknowledgement of the terms and conditionsIn this communication you stated that you could have signed it, but do not recallIn this communication string there is an acknowledgement that while the ETF may have been disclosed, it was in the fine print, and therefore not reviewed. I am happy to speak with you regarding this issue furtherPlease feel free to reach out to me directly regarding this issue.Best,*** ***

This matter was resolved on 12/8/16 when a partial refund of $19,was issued to our customer, reducing the ETF to $The ETF is not waived because the request for closure comes from us or from one of our banking partnersThe Merchant Processing Agreement states that it is the
merchant’s responsibility to maintain their processing within the parameters set forth in the agreement, and consistent with the approved business modelThe ETF is clearly disclosed in the Ts & Cs of our Merchant Processing AgreementThe merchant was contacted directly regarding the reduction of ETF, and was satisfied with the refund amount.Best, *** *** ***Director, Customer Experience Office ** *** *** ***, x***FAX ** *** *** ***Email ***
***

This complaint actually references two merchant accounts
approved by Meritus for the legal entity named *** *** LLC: *** ***;
*** *** ***
The total amount collected in Reserves for *** ***
was $28,As a result of $20,being withdrawn from Reserves to pay
outstanding balances due on the merchant account, this client now have a
Reserve balance of $8,Per the terms of the merchant Agreement, the
Reserve Account can be held for the greater of i) months after
termination/expiration of the Agreement or ii) for such longer period of time
as is consistent with our liability for transactions and chargebacks in
accordance with Card Association RulesConsidering that it has been over
months since the last chargeback was received, and over months since the
merchant Agreement was terminated, Meritus will be releasing the full Reserve
balance of $8,to the client by no later than 9/15/
The total amount collected in Reserves for *** *** *** was $7,As a result of $3,being withdrawn from Reserves
to pay outstanding balances due on the merchant account, this client now have a
Reserve balance of $4,Per the terms of the merchant Agreement, the
Reserve Account can be held for the greater of i) months after
termination/expiration of the Agreement or ii) for such longer period of time
as is consistent with our liability for transactions and chargebacks in
accordance with Card Association RulesConsidering that it has been over
months since the last chargeback was received, and over months since the
merchant Agreement was terminated, Meritus will be releasing the full Reserve
balance of $4,to the client by no later than 9/15/

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI accept the response of dropping all collection efforts against meIf the money originally requested is not given to me, then I retain all rights to submit claims of fraud against Meritus Payment Solutions to the FTCHowever if the money is returned to me then I will consider the matter fully resolved and will submit no such claim or supporting documents to the FTCI have submitted the version of the contract that was given to me by MeritusPlease compare this to the previous contract for the many differencesI only have the ability to submit one document at a time but would also like to submit letters that were sent from my lawyer to Meritus informing them of the fraud
Regards,
*** ***

This matter was resolved on
border-bottom-style: dashed; border-bottom-">12/8/16 when a partial refund of $19,was issued to our customer, reducing the ETF to $The ETF is not waived because the request for closure comes from us or from one of our banking partnersThe Merchant Processing Agreement states that it is the merchant’s responsibility to maintain their processing within the parameters set forth in the agreement, and consistent with the approved business modelThe ETF is clearly disclosed in the Ts & Cs of our Merchant Processing AgreementThe merchant was contacted directly regarding the reduction of ETF, and was satisfied with the refund amountBest,
***
*** ***
Director, Customer Experience
Office ** *** *** ***, x***
FAX ** *** *** ***
Email ***
*
***

Dear Mr***,We are sorry to learn of your dissatisfaction with your overall experienceOur records indicate the last refund was approved for processing on your account on 12/04/15, and our last communication with you was 12/15/We have not received any additional communication
regarding any outstanding items since thenPlease feel free to reach out to me directly to discuss with me your outstanding concern so we can ensure complete resolution.Sincerely,*** ***
*** ***
Director, Customer ExperienceOffice
+* *** *** ***, x.***
FAX
+* *** *** ***
Email
***
***
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