Proof Seal of Athens

I have reviewed the response made by the business in reference to complaint ID 10943990, and find that this resolution is satisfactory to me
L*** ***

uSwipe takes great pride in conducting business
with the highest level of service and supportWe
have and continue to develop
long lasting relationships with our merchant, affiliates, and business
partners; we regret any time we receive a response from an unsatisfied customer. As discussed in your conversations with our customer support team, your refund check was processed on July 27, sent via standard U.SPostal ServiceAs it was not sent certified mail, a tracking number is not availableIt is not uncommon for mail to take up to 5-business days to be deliveredIf your refund check is not received by the 10th day, we will void the original check and reissue your refund; in such a case, the replacement check would be sent via UPS to ensure delivery and trackability

uSwipe takes great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer Taking the
above into consideration, this merchant does not have a relationship with uSwipe, Inc located at Grande Vista DrNewbury Park, CA This merchant does have a relationship with First Data Canada and has been instructed to contact them regarding any type of disputeuSwipe does not have any record of this merchant, therefore we cannot provide the requested assistanceAll merchants that are or were at one time associated with uSwipe Canada can only be serviced through First Data CanadaRegardless, it is always the merchants responsibility to review their merchant processing agreement as well as keep record of and review the statements that they receive

uSwipe takes great pride in conducting business with the highest level of service and supportWe have and continue to develop long lasting relationships with our merchant, affiliates, and business partners; we regret any time we receive a response from an unsatisfied customer The fees that
you incurred were not “overcharges.” The fees were acquired by the rates associated with the credit cards that you had processedThese rates were agreed upon with your signed merchant applicationIt is your responsibility as a merchant to read and review your merchant processing agreementA signed application from you assures us that you are aware of and that you agree to the fees that you will be chargedIf you had signed an application with different rates than we had charged you, then the term “overcharge” would be appropriateThat is not the case in this situationWe charged you the fees that you signed and agreed uponRegarding the amounts you feel you should be credited, $50-$as well as $1000, those numbers were solely produced by the dollar amount of credit card transactions that you processedNothing was charged in addition to those fees; which you signed and agreed toI have attached a copy of your merchant processing agreement for your referenceIn regards to your claims of MrG*** avoiding you, you were notified by Jaredd himself that his schedule would be erratic and that he would physically be out of the officeThis makes the claims that you make of him avoiding you very untrueIn spite of the face that you had called the office multiple times to discuss your fees, you were still using the serviceIf you were in fact unsatisfied with the service and you felt that you were being overcharged, then you should have not continued to use it for monthsWe did speak with you multiple times regarding your account and your pricing structure was changed to match your old accountDue to a data entry error you were actually overcharged here and we did credit you back that amount in a very timely mannerYour account has been credited $as of May 5th, Furthermore, your account with uSwipe has been closed, you will no longer be charged monthly, and you will not be able to process credit card transactions through uSwipe moving forward

uSwipe takes great pride in conducting business with the
highest level of service and supportWe have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer
This
fee was charged due to your failure to validate your
PCI-DSS compliance, as required by your merchant agreementAny business with
an open merchant account is required to attest to PCI-DSS compliance on an
annual basisThe due date varies depending on when you opened your Merchant
AccountIn preparation for your due date, we send courtesy notifications via
standard mail and email, to advise you of the approaching deadlineFailure to
complete your Self Assessment Questionnaire by the due date resulted in a
non-validation feeAn open Merchant Account will continue to receive the
non-validation fee on a monthly basis until the compliance is completedWhen
you certify your compliance with PCI-DSS, you demonstrate your commitment to
Data Security, in addition to reducing your exposure to fraud and the costs
associated with it
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation feesEven if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bankThis includes completing your PCI Compliance
requirementsIf we are unable to retrieve funds from your bank account due to
insufficient funds, per the Terms and Conditions, your account may be submitted
to collections
If your collections amount(s) have been resolved, then you
should not worry about an impact to your credit report(s)However, if you do
not resolve the collection matter, the amounts may be reportedPlease contact
the collections department if you are unsure on the status of your collections
account

Complaint:
I am rejecting this response because:Uswipe,
J*** ***, claims to provide the so called “highest level” of service and
support. In MrG***’s response he fails again to address the
specifics of my complaint. I am not a new customer with no knowledge of
the credit card fees. I have been with Uswipe since July of
2014. I have actively analyzed my bill every month from that time.
An average monthly bill from Uswipe varied from 1.37% to 1.8% of the total
credit cards I processed Again I will repeat. I changed the name
of my business from Millennium Enterprises to Jewelry With A Purpose in
November 2015. I requested and was ASSURED that I would receive the same
billing structure as (Millennium Enterprises) I was currently operating under
THIS DID NOT HAPPENIn my latest bill from Uswipe I was charged 4.4%.
The month prior I was charged 3.3% of my total credit card charges After
month of promising to resolve my initial request, which was to charge me the
rate Millennium Enterprises was paying, Jarred led me on to believe it was
finally corrected last month. Uswipe did not resolve the issue, as shown
in their Revdex.com responseJ*** and his office staff assured me that the fees
were set up the same Millennium Enterprises Even though I called
MULTIPLE TIMES every month and complained about the bill, Uswipe continued
each month to charge a fee rate much higher than agreed toThey blamed it on
the processing company ”First Data” and/or data entry errors; stating I would
receive credit that never materialized Uswipe epitomizes POOR customer
serviceThey instead chose to not return my calls or return my overcharged
feesUswipe has charge me $1000+ over the rates I agreed to in the previous
contract(Millennium Enterprises)I have now been sent condescending emails
degrading me as a customer and a business owner. In J***’s email reply
this past week, he wrote, “I recommend you educate yourself on how merchant
processing actually works before you continue to make accusations
regarding our organization "stealing" money from youIn my
experience, micro-merchants and smaller merchants, like you, might be better
off using an aggregator like PayPal or Square that has one specific set rate
since the complexities of merchant processing appear to be over bearing and
beyond your comprehension”. In Uswipe’s last email to me, J*** stated,
“Consider this a final communication regrading your accountAny further direct
correspondence will be deemed harassment”. This action is NOT the
“highest level” of service and support I have not contacted Uswipe
again, I am fearful of retaliation and retribution. Therefore I notified
the Revdex.com to warn others of this deceitful and poor customer service company
Furthermore,
Uswipe agrees that they did speak with me multiple times regarding my new
account(Jewelry With A Purpose) and my pricing structure was finally changed to
match my old account (Millennium Enterprises)It really wasn’t rocket
science. The only problem with that is it took months and over $of
overchargesIn their own words, they blamed it on a data entry error and
confirmed they were actually overcharging me. Uswipes resolution is to
credit one month($139) out of six months and then abruptly close my account,
instead of apologizing, reimbursing the overcharges of six months and
continuing to do business. Uswipe wrote, “Furthermore, your account with
Uswipe has been closed, you will no longer be charged monthly, and you will not
be able to process credit card transactions through Uswipe moving
forward”.
I
certainly DO NOT call this good customer service or supportUswipe continues
to mistreat a long time customer
Regards,
L*** ***

uSwipe takes great pride in conducting business with the
highest level of service and supportWe have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer
The fee you
incurred was not a monthly fee for having an
accountThis fee was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreementAny business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basisThe due date varies depending on when you opened your Merchant Account
In preparation for your due date, we send courtesy notifications via standard
mail and email, to advise you of the approaching deadlineFailure to complete
your Self Assessment Questionnaire by the due date resulted in a non-validation
feeAn open Merchant Account will continue to receive the non-validation fee
on a monthly basis until the compliance is completedWhen you certify your
compliance with PCI-DSS, you demonstrate your commitment to Data Security, in
addition to reducing your exposure to fraud and the costs associated with it
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation feesEven if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bankThis includes completing your PCI Compliance
requirements
For assistance or instructions on completing your PCI-DSS
compliance, you may contact our customer service team Monday through Friday
(8-PST) at 1-800-606-Once your compliance is verified, the non-validation fee will be
removed from your account

uSwipe takes great pride in conducting business with the
highest level of service and supportWe have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer
After reviewing
the account, I indeed show that we failed to
close your account in a timely mannerPlease note that the refund of $will
be mailedPlease allow 5-business days for receiptWe apologize for the
delay in processing your request

We apologize for any miscommunication the merchant may be experiencingHowever, there are numerous ways to contact our organizationOur primary business information is listed in various areas including the Revdex.com record in which this merchant accessed to submit this complaintIn addition, the
monthly statements that are mailed to the merchant contain our contact information as wellUpon calling our corporate office, there is an option to speak to hour support in the event a call is received after hoursWe can also be reached via various social media platforms.uSwipe, Inc has been diligently attempting to reach this merchant over the course of the last nine monthsThere are documented email correspondence as well as outbound telephone calls to the merchant that have gone unansweredIn order to terminate your account, a merchant is required to return the equipment provided to themPlease contact our office at ###-###-#### or [email protected] so we may provide return instructions and a prepaid label so you may return your equipmentIn addition to returning your equipment, we require a written request by the principal signer of an account to terminate itAgain, we apologize for any discouragement or miscommunication and look forward to diligently resolving your matter

Complaint: 11515410
I am rejecting this response because: I clearly asked for 1 account but two devices when I talked to Sharee Porter about this, so I disagree with the response, however, I did see two letters today in the mail where uswipe did initiate two refunds, one for each merchant  "to my bank accpunt".  I closed my bank account after I started getting charges that I was not told about, so they will need to issue checks to me.  As soon as I see the refund checks I will accept the response and move on. 
Regards,
[redacted]

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
The fee you...

incurred was not related directly with the rates
you were quoted with processing transactions. In fact, the fee that you are
referring to was charged due to your failure to validate your PCI-DSS
compliance, as required by your merchant agreement. Any business with an open
merchant account is required to attest to PCI-DSS compliance on an annual
basis. The due date varies depending on when you opened your Merchant Account,
but new accounts are provided a 3-month window to complete their compliance
before the account falls into non-validation status. In preparation for your
due date, we send courtesy notifications via standard mail and email to advise
you of the approaching deadline. Failure to complete your Self Assessment
Questionnaire by the due date resulted in a non-validation fee. An open
Merchant Account will continue to receive the non-validation fee on a monthly
basis until the compliance is completed. When you certify your compliance with
PCI-DSS, you demonstrate your commitment to Data Security, in addition to
reducing your exposure to fraud and the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. By having an open Merchant Account you are obligated (per
your agreement) to comply with all mandates set by the processing bank. This
includes completing your PCI Compliance requirements.
Per our records, validation of your compliance for the
account number provided in this inquiry was completed on June 19 2015 at which
time the non-compliance fee was promptly removed from your account. Any fees
incurred prior to validation are non-refundable. Our systems show no record of
a refund being approved on your account as the fees that were charged were
valid. Additionally, your account has been closed as of February 24, 2015, per
your request.

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchants, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
When you...

opened your account, the pricing program you
selected included a qualified rate of
1.69%. The way credit card processing service work is that there is
a qualified rate that applies to most transactions (regular debit and credit
cards); however there are also mid- and non-qualified rates that vary depending
on the method you used to enter a transaction (i.e. key-entering instead of
swiping the card) and the type of card it is (i.e. business, government or special
rewards-type credit cards). 
There are multiple ways that you could have contacted our
uSwipe office to discuss rates.  In fact,
the notes in First Data Merchant Services database reflect that they provided
you with our contact information so you could reach us directly; however we
have no record of you contacting the uSwipe office for assistance in understanding your
bill or how the charges work. Additionally, the charges that you began
incurring could surely have been resolved by the First Data customer service
helpdesk as they address billing inquiries on a daily basis.
When you had your bank begin rejecting the debits to your
bank account, this put your account into collections. Your account was closed on
June 7, 2015 by First Data Merchant Service due to your collections balance
with them. At this point, any collections balances need to be addressed and resolved
with the First Data Merchant Services collection department at ###-###-####
as we are a sales entity for First Data, we do not have access to resolve
collection balances.

Mr. W[redacted]n continues to distort the facts. "He signed and agreed to the rates provided on his account. The data entry error occurred by First Data during the rate adjustment that was made in April in an attempt to appease the merchant despite the fact uSwipe had no contractual obligation to make any decreases in fees for the merchant. Mr. W[redacted]n continues to make false accusations regarding the rates he was assessed. Merchant processing rates are very complex. Per the Terms of the Agreement, a transaction processed may be assessed surcharges depending on various factors associated to the card and the manor in which it was processed. This will cause the total fees assessed to a merchant to vary.  uSwipe does not offer any type of set rate for transactions processed in a calendar month. Mr. W[redacted]n's further claims about over charging based on his previous bills are false. The merchant account number in question had the agreed upon rates per the signed merchant application. In addition to the factual contractual legalities of the rates assessed, Mr. W[redacted]n also did not comply with Section 18.10 of his agreement that states a formal written request must be submitted in writing within 60 days of a statement date should there be any disputes regarding fees. Mr. W[redacted]n did not provide a written request until May 2, 2016 at which time his concerns were immediately addressed. His claims of contacting the office are not documented and are therefore are speculation and hearsay. Furthermore, Mr. W[redacted]n made various harassing, slanderous and defamatory telephone communications to our organization once he realized he was contractually bound to these rates. His direct written correspondence reaffirms his unprofessional demeanor in conducting himself despite our best efforts to provide an adequate resolution. His account was reimbursed for the data entry error that occurred on his April statement and his account was terminated per Section 23 of his Terms as a result of his vulgar and slanderous communications.Attached is the signed Merchant Processing Application Mr. W[redacted]n submitted with his signature and the rates he was agreed upon (which lists the rates he was billed) as well as the Program Guide Terms and Conditions. uSwipe made adequate, timely and professional attempts to provide resolution to Mr. W[redacted]n regarding his complaint. uSwipe always takes great pride in doing so for each and every customer.

Complaint: 11474867
I am rejecting this response because:  Yes I did have a relationship with Uswipe and many emails that went back and forth. I have contacted First Data and they are telling me to contact Uswipe. My application was sent over to Uswipe and never was there a confirmation to me of this from Uswipe, so after months of no replies  I asked Uswipe to cancel the application and never heard back. I did deal with Uswipe U.S.A first and then they transferred me over to Uswipe Canada.
Regards,
[redacted]

Complaint: 10855284
I am rejecting this response because:Clearly I did not have the ability to process any transactions as this company claims that I did.  I had absolutely no information about processing through the company and had no record of an account being opened.  I did not  have a merchant number or account number.  I never received any  communication from this company by mail or e-mail as they claim I did.  Since no written communication was ever received it was my understanding that an account had not been opened and did not exist.'Even after sending the e-mail to the address I was told to over the phone, I did not receive any communication of any kind from the company to confirm that they had ever received it.  The only written communication besides statements from this company that I received, came only after Revdex.com became involved.  Then the e-mail they sent me stated the account was closed and that if I didn't return the equipment to them I would be charged additional fees!  I clearly do not have any equipment from this company.Clearly they have terrible customer service ( as it's non-existent), and they are a fraudulent company taking advantage of small business owners and sucking us dry on a monthly basis.  I am continuing to demand the return of my hard earned money that USwipe had no right to take.  This company sure came up with a good name for themselves as they swipe the merchants money from their bank accounts without consent and refuse to issue refunds when they have taken the money that doesn't belong to them.I will not rest on this matter until all of my money has been returned to me.
Regards,
S[redacted]

When you setup your account online, you provided us your
banking information to deposit your transactions and to withdrawal any fees
associated with your account. The address we have on the file is the same
address you have provided on this Revdex.com inquiry, and you confirm (in your
response) that you received monthly statements from us. We are unsure how you
would not have received any of our other communications as we use the same
address for all correspondence. Additionally, we have no record of receiving
returned or undeliverable mail for your account. As stated in our previous
response, we attempted to contact you at the phone number you provided on your
application on nearly a weekly basis in order to install your account, each
time leaving a voicemail for you to call us back. We made every effort to help
you join our growing family of satisfied uSwipe customers.
The first debit we made on your account was for your June
2015 fees (which would have hit your bank account the first week of July),
however we did not receive any inquiry or communication from you until
September. Had you contacted us immediately when the first withdrawal was made,
we could have remedied your account and no further fees would have been
attempted. We cannot simply offer a refund for all fees you have received as we
too have incurred expenses from the processing bank to have your account open
and from the compliance monitoring network for your non-compliance/non-validation
status.
When you created your account online, you indicated agreement
to the program’s terms and conditions which are available here.
Any fees that uSwipe has taken from your account were for fees due in connection
with your Merchant Program Guide and the above terms and conditions. As
previously stated, we are unable to offer any reimbursement for the fees you
have incurred for having an open account with uSwipe.

Thank you for your response to this matter
1. I was never informed about a "PCI-DSS" (I do not know what this is)
2. I never received "courtesy
notifications via standard mail and email, to advise me of the approaching
deadline"
3. I never received a "Self Assessment
Questionnaire"
4. I was told that my ONLY fees would
be if I used the card reader "Like the PayPal card reader" as stated by the USwipe
customer representative(PayPal DOES NOT charge me any fees, but only at every
card reader use)
5. I would appreciate all monthly
charges by USwipe be refunded to my account
6. Upon refund of fees/monthly charges,
please close this account.[redacted]
Complaint:
I am rejecting this response because:
Regards,
[redacted]

The customer initiated two accounts to receive two separate types of equipment. We do apologize for any miscommunication on behalf of our organization, however, the customer agreed to and signed for both accounts as well as agreed to the charges. Per the merchants request, both accounts were...

closed, we provided a prepaid label to receive the equipment back, the merchant was never charged for the equipment so no refund was due and the matter has been resolved.

Complaint: 10853482
I am rejecting this response because:I would like to reinstate that when one of the sales person approached my dad at the convention she did not mention all this to him and even though it's all in the terms and conditions my dad does not understand English very well, she only mentioned to him it would be free as long as he didn't use it which is why he accepted it from the first place. Regardless the reason why I am not accepting this response is because this company is a complete liar because back in May when we discovered all of these charges we called uswipe & had spoken to one of the agents from uswipe regarding this matter and the agent clearly had told me to send their product back to them and they will mail a check to my father in about 2 weeks of 99$(the total charge was 299$ that they took from us  but they refused to refund the full amount back). We mailed the product waited several weeks after & never received a check. I called a few weeks after and they hung up on me, and that's when I called again about 3 weeks ago and again one of the agents named "[redacted]" said she will speak to Jarod once he comes back from out of town to send the check out. Jarrod, who claims he owns half the company said he does not see anything in the records showing that I spoke to an agent back in May. This is a complete lie because one if I didn't speak to anyone back in May how would I have known that I needed to send the product back to them and what address to send it to, jarrod even said that they received the product back in June. So it doesn't make sense that I would send the product out to them randomly if I hadn't spoken to an agent and they advised me of the steps I need to take to get a refund back. Secondly, if the agent didn't notate the account that is not our fault. They need to check their call records in May and listen to the conversation I had with the first agent. I am extremely frustrated because uswipe kept us waiting so long for this check to be sent out to us and after all this wait and phone calls [redacted] says we don't see anything on the account and we are not refunding you anything then hangs up on me. 
Regards,
[redacted]

uSwipe takes great pride in conducting business with the
highest level of service and support. We have and continue to develop long
lasting relationships with our merchant, affiliates, and business partners; we
regret any time we receive a response from an unsatisfied customer.
Firstly,...

the representative (R[redacted]) that you spoke with was a
technician in the installation department who had attempted to reach you to
install your equipment since June (when you opened your account). After many
attempts to reach out to you, we requested that the equipment be returned as 90
had passed and you were still not using the free equipment we had provided your
business as an incentive to process credit card transactions. Our records
indicate this is when you finally discussed your account with R[redacted]; however at
this point your account had already been inactive for over 3 months. Please
note, however, that the fees you are objecting to are completely unrelated to
the installation of your equipment.
The fee you incurred was charged due to your failure to
validate your PCI-DSS compliance, as required by your merchant agreement. Any
business with an open merchant account is required to attest to PCI-DSS
compliance on an annual basis. The due date varies depending on when you opened
your Merchant Account. In preparation for your due date, we send courtesy
notifications via standard mail and email, to advise you of the approaching
deadline. Failure to complete your Self Assessment Questionnaire by the due
date resulted in a non-validation fee. An open Merchant Account will continue
to receive the non-validation fee on a monthly basis until the compliance is
completed. When you certify your compliance with PCI-DSS, you demonstrate your
commitment to Data Security, in addition to reducing your exposure to fraud and
the costs associated with it.
Per your Program Guide and our Terms and Conditions, any
fees you incur from your Merchant Account can be debited from the checking
account provided to us when your uSwipe account was opened, including
non-validation fees. Even if you never processed a transaction through uSwipe,
by having an open Merchant Account you have the ability to process a
transaction and are obligated (per your agreement) to comply with all mandates
set by the processing bank. This includes completing your PCI Compliance
requirements.
As of today, we have received your returned/unused equipment
and your account has been closed. You have already spoken with many individuals
at our company and multiple levels of management; unfortunately, you do not
qualify for a refund as the fee(s) you incurred were not charged in error.