Smart Choice Payments

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

We would be happy to send you the entire contract that you signed We have absolutely nothing to hide Thank you

Complaint: [redacted] I am rejecting this response because: What about the reduced processing fee?? The sales person sent a projected fee + equipment charge in the range of $per monthI am doing less business than the projected volume meanwhile, I am paying $in processing fee + another $in equipment chargeThis is a total bait and switch scheme!!! Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: You can hide behind the technical jargon if you want toIt is not going to hide the factsWhile it is true that it is my responsibility to read the agreement before I sign a contract, the reps from this company also defaulted by not doing item #2, which says "you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement, and;"I was never given a copy of the contract at that timeThey were in a hurry to leave and promised that they would send me a full copy within hoursThey never did thatThey did not give me a chance to read it eitherHowever, this is not the only problem with your caseThere is more evidence that I have which will prove that I will recover this money Since you have hard time understanding what I am saying, I will ask someone to contact you on my behalf whose language you understand better: an attorneyI wanted to give you an opportunity to avoid further action As I said, I know when I have been wrongedI am not going to waste my time with you anymore[redacted] ***

Complaint: [redacted] I am rejecting this response because: I [redacted] hereby states that I would not pay the amount North America Processing Solutions charges me, due to the lies they told me about their services being free no annual fee, and definitely no monthly fee and I got the necessay document to prove that as belowThey said they would make it free because I had then open my shop and had no customers and I was not told about the amount they are charging me now.Sincerely, [redacted]

Mr***, thank you for your comments Being a company that strives to provide excellent customer service, your feedback allows SCP to improve it's service The one page Merchant Receipt Form that you signed on November 19, clearly describes the leased equipment and the terms: Dejavoo Z(VX520) and a Dejavoo Zpin pad months at $per month It is your responsibility to read the contract before signing Failure to read the contract before signing does not release you from the terms and obligations of the agreement You returned two of the VX 520's that we sent to you that were part of your lease(s) which is why you only have one terminal now SCP would be happy to happy to return those to you Please contact customer service to arrange for delivery (800) 381- Thank you

I am responding on behalf of Smart Choice Payments to the Revdex.com complaint submitted by [redacted] of Gold Country Adventure Cycles in the hopes of achieving an amicable resolutionAs of today, January 29, 2016, Smart Choice Payments (SCP) has closed out [redacted] ***’s account with SCPFurthermore, the termination of this account will occur without requiring the merchant, Ms***, to pay any current or future billing fees or charges owed to SCP, but only hinging on the condition that Ms [redacted] returns her credit processing equipment within ten business days of this letter’s date to Smart Choice Payments [redacted] *** [redacted] ***If Ms [redacted] complies, this matter will be fully resolvedSmart Choice Payments is mindful of the need to accommodate for the demands of the clientAs a company that thrives only due to its customers’ satisfaction, Smart Choice Payments often meets its customers' requests for service changes, contract modifications, and other requests without owing any obligation to the clientIn this particular scenario, SCP understands Ms***’s desire for indemnity and hopes to assist her to the best of the company’s ability and resources in alleviating the situationHere at Smart Choice Payments we strongly prefer a mutually beneficial conclusion to this business matterWe regret having to end our professional contract with Ms***, but SCP fully understands the nature of a free market and that industry thrives on always putting the consumer’s and client’s preferences as first priorityWe hope that in the spirit of good faith and business practice, this correspondence will be considered a congenial end to our transactionsIf Ms [redacted] ever wishes to renew a professional relationship with our merchant processing services, we at SCP would welcome the opportunity to earn back her patronageFinally, SCP would like to thank Mrs [redacted] for bringing his account issues to our attentionWe highly value customer feedback as it helps us progress and grow as a companyMs [redacted] may feel free to contact me directly at [email protected] or call my office phone at (888) 381-extension [redacted] with any further questions or concernsSincerely,

Smart Choice Payment would like to agree to this inquiry and offer a refund of $Normally, we would find a high class hotel for our clients to go on when delayed, but due to the amount of time that Mr [redacted] has waited, we will offer a refund

Dear Mr [redacted] , Smart Choice Payments apologizes for the difficulties you had with your Account during your cancellation processWe have conducted an investigation and found that the amount of $1,needs to be refunded to your account immediatelyWe have placed a refund within our Billing Department and expect a total of $1,to appear in your account by Monday, February 20th, Smart Choice Payments strives to provide the best customer service experience possible and regrets the obstacles you had in solving this issueWe thank you for your patience Mr [redacted] , and we wish you the best in all your future endeavors

Hello I am the person who responds to Revdex.com complaints for Smart Choice Payments I have been out of the office since March 23rd and just received your complaint I will be back in the office on Monday, March 28th and will review your account and respond fully at that time Thank you for your feedback We value your comments as they continue assist us in striving to constantly improve customer service

Complaint: [redacted] I am rejecting this response because:havent receive check yet, today is thursday 22ndi saw the picture on Revdex.com nicebut I asked for fedex or ups tracking number, they said they sent check via regular mailvery smart, as soon as I receive check and clear, we can close case, before that nope Sincerely, [redacted] ***

Smart Choice disputes your claims, we were always diligent in acting quickly to address your business concerns In fact, you processed the following amounts as a customer of Smart Choice: $13,805.18, 03/31/15; $13,700.07, 04/30/15; $14, 040.80, 05/31/ $9,488.19, 06/30/ $13,216.80, 07/31/ $7,149.26, 08/31/ $12,243.52, 09/31/ $11,094.38, 10/31/ $14,037.86, 11/31/ $9,655.35, 01/31/ $0, 02/29/ The record shows that your processing was fairly consistent, accounting for fluctuations in business activity, until your company stopped processing in January The natural conclusion that anyone looking at this record would make is that if you had equipment issues, they were minor and did not have a significant impact on [redacted] ability to from process payments

[redacted] signed a contract with our company for debt processingLess than months into this contract Fido’s failed to pay on their lease, which they signed a contract forOur company has attempted several times to reach out to this merchant, to satisfy the merchant's needs as well as to work out any issues they are havingThis merchant is not willing to work with our company to resolve any issuesAt the time of sale this merchant signed a contract with our company this contract states: Above the signature line are the sections the customer was agreeingto have read BEFORE SIGNING:"By signing below, you represent and agree that:1) the information in and accompanying this form is complete and correct;2) you have read and received a copy of the Placement Agreement termsand conditions and agree to be bound by that agreement, and;3) you are authorized as an officer, partner, manager, or owner tosubmit to this form and to bind the Merchant to this PlacementAgreement:The Placement Agreement terms and Conditions also provide under theitem #4, "Effect of Termination":Upon and termination American Payment Systems shall also have the right tocollect from merchant any fees that are waived including, but notlimited to, the Application Fee, Programming fee and Installationfee."Therefore, due to early termination, the customer was billed the feeswhich appears on the face the merchant receipt form but had beenpreviously waived;1) Programming fee2) Installation fee3) File Build fee4) Application fee5) ETF fee6) Unpaid Processing feeThe customer defaulted on his lease as per the terms and conditions ofthe lease in the event, thus the entire amount of the lease becomesdue by ACH (bank debit), legal action or other remedies.Additionally, the merchant application and agreement the customeragreed to, per his signature, provides an "automatic withdrawal ofamounts from his checking account" for any fees or payments due underthe agreementThe customer provided a "voided blank check" for thatpurpose.Our company believes, at the time of sale, that we are working withsophisticate business people who know that it is his or his "duty andresponsibility" to read the commercial contract in its entirety beforesigning, on behalf of the companyFailure to read the contract beforeentering into an agreement [spoken or unspoken] does not relinquishthe customer from the costs incurred under the terms of the agreement.Therefore, upon signing the contract, indicated a "meeting of theminds" and therefore became subject to the terms and conditions of thecontract, including any applicable early termination feesAs far asissues with the leasing company, that is between the leasing companyand the customerBy signing their contract this merchant received a copy of the terms and conditions which states all of this information above We are willing to work with this merchant to better their needs and would love to have them come back to our company I hope this resolved any questions or concerns

Dear [redacted] , Your Revdex.com complaint was forwarded to me today I understand you have been having signage issues I spoke to MrF [redacted] and he assured me that he ordered the signage last Friday right after you spoke to him As a company that thrives due to it's satisfied customers, Smart Choice Payments is mindful of the need to accommodate demands for satisfaction Smart Choice Payments would like to continue it's business relationship with Gold Country Adventure Cycles and we hope that Ms [redacted] will consider to continue working with Smart Choice Payments to allow us to re-establish her trust To that end, please feel free to contact me if you find any further delay in reaching your credit card processing goals with Smart Choice Payments or if there is anything else we can do to alleviate your situation Sincerely, Legal Department

At this time our company has decided to take [redacted] out of collections and close all collections that we have tried to takeAlso we would prefer to stay in good standing with the merchant and Revdex.comWe are no longer seeking collections and the merchant owes nothing As per any other collections for her processing lease she will have to contact First data for that information due to the fact that is not our company and is owe to them and not us

I want to apologize, I have made a complaint against Smart Choice Payments and I would like it deletedThis company has been more than helpful, turns out the rep that had signed me was privately ownedOnce they were contacted, they got in contact with me and have been more than helpful helping me solve my issueSorry for any inconvenience - [redacted] ***

Smart Choice Payments (SCP) sincerely regrets Mr***'s dissatisfactionAn investigation began on Mr***'s account immediately upon receipt of this Complaint and has been concludedMr [redacted] / [redacted] enrolled in our services on May 10th, for advertising servicesAs stated on the contract signed by Mr***, Smart Choice Payments must meet it's obligation within 90-daysThere has been no violation of the signed contractSmart Choice Payments will cancel the creation of the ads and refund Mr [redacted] / [redacted] *** Thank you for your timeSalana B [redacted] HR(888) 381-Ext

We have contacted Mr [redacted] and all matters have been resolved directlyA refund has been completed

[redacted] ,Smart Choice Payments (SCP) appreciates the contact you made regarding returning your terminal to [redacted] ***During the phone call with [redacted] on March 1st, 2017, it was stated that your contract with Smart Choice Payments is cancelled and closedThat is only your merchant processing account, not your leasing account [redacted] ***, the leasing provider, is a separate entityWhen you enrolled for our services, you also enrolled for a leased terminal with a separate company, [redacted] ***.SCP does not have the ability or authority to close your account with [redacted] ***That is why you were emailed their contact info, address and instructions to return the terminalWe do regret your confusion with the phone call and hope that your process with [redacted] goes smoothlyThank you, [redacted]

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