United Card Solutions

Complaint: [redacted] I am rejecting this response because:the company is charging me a full month (May) service because we made our first transaction on may 21stand a second full month (June) service because they sent out the statement on June 2nd and I called to cancel on that very same daythere for I find it unjust and refused the weeks discount.the main issue with this dispute is the constant lies and tricks that the company playthey wanted a year contract based on the promise that on average if my monthly total on all different types cards is about $60,I will be charged around $plus is the company's monthly charges, and that's it no hidden charges or surprises, that was the agreement.after less than weeks I get charged $and that's on less than half of the $60,if any one reads these charges they can tell they are ripoff and falls charges, we got over different charges worth almost $on transactionsPlease take a look at these charges and let me know if they seem reasonable Sincerely, [redacted]

Dear Revdex.com Representative: Thank you for bringing this complaint to our attentionWe have reviewed the complaint and the customer’s fileThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsThat said, our customer service department has worked diligently with the customer to resolve her concernsThe merchant’s POS System is in the process of being setupThere were setbacks due to the local technician, but as of today this account will be ready for processing by next weekWe have credited the merchant the remaining balance of $1,incurred during this time they have not been able to processIn addition, we have lowered the downgrade percentage on this account from 2.99% to 1.00%As a result of the above, no grounds exist for early termination of the agreements We feel we have addressed and resolved each and every issue raised in this complaint Should you need any additional information in order to close out this file, please let us know Thank youThank you

Dear Revdex.com Representative: Thank you for bringing this complaint to our attention As an initial matter, our company maintains a resolution center on our website through which we encourage customers to submit issues like this without the need for involvement of a third party like the Revdex.com We have reviewed the complaint and the customer’s file and found no support for the customer’s claims The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancellable lease for processing equipment for $per month (plus applicable taxes) for a term of months The customer also confirmed her understanding of and agreement with the primary terms of the agreement on a confirmation call with the company’s compliance administrator That said, our customer service department has worked diligently with the customer to resolve her concerns Despite the existence of valid and enforceable agreements, we have agreed to terminate the processing and lease agreements prior to expiration of the agreed upon terms and waive all associated early termination obligationsThe customer will not have any further obligation under these agreements after August 12, As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint Should you need any additional information in order to close out this file, please let us know Thank you

Thank you for sending us the customer's rebuttalAs outlined in our previous response we offered the customer a refund for the weeks of processing where their rates were not as anticipatedThe customer refused this courtesy refund and opted for cancellationWe as well offered to adjust the account’s overall effective rate for future processingAgain, the merchant refused assistance, and opted for cancellationWe are happy to monitor the customer’s account and work with them to make adjustments if they are not satisfied with the service, but if our assistance is refused our hands are tied.We regret the customer’s dissatisfaction, but we feel we have addressed and attempted to resolve every issue raised in this complaintShould you need any additional information in order to close out this file, please let us knowThank you

Dear Revdex.com Representative: Thank you for bringing this complaint to our attention We have reviewed the complaint and the customer’s file and found no support for the customer’s claims Mr [redacted] ’s wife (and corporate secretary) [redacted] signed the agreements and held herself out as having authority to enter into the agreements In addition, Ms [redacted] is the only individual on file for the company with the New York Secretary of State Our company was entitled to rely on these assurances and therefore these agreements are valid and enforceable Furthermore, the agreements signed by the customer set forth all terms and conditions of the agreements, including all applicable rates and fees and the duration of the agreements Ms [redacted] further agreed to the terms of the agreements on a telephone call with one of the company’s compliance administrators During that phone call, Ms [redacted] freely and voluntarily answered all questions and did not once question the agreements Despite our requests, Mr [redacted] has refused to provide any documentation to support his claim that Ms [redacted] did not have authority to enter into these agreements, severely calling into question the validity of his claims Though valid and enforceable processing and lease agreements exist, we have arranged to terminate the agreements prior to the expiration of the agreed upon terms at no cost and waive all associated early termination fees in order to bring this matter to a swift resolutionThe customer will therefore have no further obligation under these agreements As a result of the above, we feel we have addressed and resolved all issues raised in this complaint Should you require any additional information in order to close out this file, please let us know Thank you

Dear Revdex.com Representative: Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com We have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsThe MPA makes clear that the agreement is for a term of months, the lease makes clear that it is for a term of months, and nothing indicates that the sales representative promised the customer that he could cancel the agreement if he did not see an increase in salesAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which he expressly confirmed his understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly paymentDuring this recording, the merchant was asked if any verbal promises were made to him by the sales representative, to which the merchant replies there were none We have been in contact with the customer to address this complaint Since the customer has not started processing with our services, however, it is difficult to make adjustments to his account to address his concernsWe are happy to monitor the customer’s account and work with him to make adjustments if he is not satisfied with the service, but no grounds exist at this time to terminate the customer’s agreements Should you need any additional information in order to close out this file, please let us knowThank you

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] Thank you for your responseI accept the offer to cancel the contract for card processing at no charge and waive the early termination fee of the contractAlso, I would like to cancel the contract leasing equipment tooI would like to return the equipment back and pay the portion of the contractThere's no point of me to keep the equipment without any useSince the equipment was shipped to my shop during December 11, On December 18, I contacted Steve to ask for a shipping address so that I can ship it back he told me that it is not his responsibility and never gave me a shipping addressSincerely, [redacted]

Dear Revdex.com Representative: Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party We have been in contact with the customer to resolve his concerns about the cost of his programTo address these issues, our customer service department reduced his downgrade surcharge rate for non-qualified transactions from 2.99% to 1% and reduced the his rate for signature debit card transactions from 1% to 0%The customer has since stated he is satisfied with this outcome and will reach out to us first with any other issues he may have in the future Should you need any additional information in order to close out this file, please let us knowThank you

Dear Revdex.com Representative:Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.comWe have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer was sent and signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the $monthly payment (plus applicable taxes) for processing equipment for a term of monthsAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which they expressly confirmed their understanding of the primary terms and conditions of the agreement, including the equipment lease term and associated monthly lease paymentThat said, our customer service department has worked diligently with the customer to get their Integrated Software setupWe are fully compatible, and all necessary information has been sent from us to their conversion departmentHowever, the customer has been unwilling to move forwardAs such, no grounds exist at this time for early termination of the customer’s equipment lease, the rights to which are owned by a third party.As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaintShould you need any additional information in order to close out this file, please let us knowThank you

Complaint: [redacted] I am rejecting this response because: I just received a bill for this contract and they are currently billing my checking account as well I just want it noted that I am NOT the only person that this exact situation has happened to I never asked their customer service rep to lower my banking fees as I never even processed with them at all I was lied to and conned into that contract just as many other's have been I would be willing to accept their offer as long as I could get this resolution in writing I've read other reported complaints that said this company offered the same agreement to others but continued to bill their accounts and then sent them to collections So if we can get something concrete that states I am not responsible for ANYTHING I will then accept it.Sincerely, [redacted]

Dear Revdex.com Representative: Thank you for bringing this complaint to our attention As an initial matter, our company maintains a resolution center on our website through which we encourage customers to submit issues like this without the need for involvement of a third party like the Revdex.com We have reviewed the complaint and the customer’s file The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancellable lease for processing equipment for $per month (plus applicable taxes) for a term of months Additionally, the Purchase Order signed by the customer clearly sets forth the early termination fee for early cancellation of the processing agreement and the lease clearly sets forth the non-cancellable nature of the lease as well as the amount owed for defaulting under the lease That said, our customer service department has worked diligently with the customer to resolve her concerns We have agreed to make the following adjustments which are satisfactory to the merchantLowered non-qualified discount rate to 1% from 2.99%, all debit cards will process at 0% with or without a PIN being input, batch fee lowered from $to $0.00, and transaction fee lowered from $to $In addition to these changes a sales incentive of $was issued to the merchant on 8/3/which our system shows was received on 8/6/with her daily batch from processing credit cards that day As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint Should you need any additional information in order to close out this file, please let us know Thank you

Dear Revdex.com Representative: We have reviewed the complaint and the customer’s file and our customer service department is actively working with the customer to resolve their concernsAt this time the customer is moving forward with our services and the name change is finally completeWe do apologize for the difficulties this has caused As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaintShould you need any additional information in order to close out this file, please let us knowThank you

Dear Revdex.com Representative: Thank you for sending us the customer's rebuttalAs outlined in our previous response, contrary to the customer’s claim, we sent new agreements to perform a platform changeThis way the customer could avoid paying Adelo a $Monthly EMV fee and $1,Ownership Transfer feeWe remain ready to assist in completing the platform change once the paperwork is returnedIf, and when, processing begins we will be able to issue previously discussed creditsWe regret the customer’s dissatisfaction, but this rebuttal brings no new information for reviewAs a result of the above, no grounds exist at this time for early termination of the agreements, or additional refunds to the customerWe request that you close out this complaintThank you

Dear Revdex.com Representative: Thank you for bringing this complaint to our attentionAs an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like the Revdex.com We have reviewed the complaint and the customer’s file and have found no support for the customer’s claimsThe customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $per month (plus applicable taxes) for a term of monthsAdditionally, the customer participated in a recorded verification call with the company’s compliance administrator in which she expressly confirmed her understanding of the primary terms and conditions of the agreement, including the equipment lease term and monthly payment That said, our customer service department has worked diligently with the customer to resolve her concerns by offering rate and fee reductions, but the customer still wished to terminate the agreementsThough the processing and lease agreements are valid and enforceable, we have agreed to terminate the customer’s processing and lease agreements early before expiration of the agreed upon terms at no cost and wave all applicable early termination feesTermination of the lease agreement, which is owned by a third party, may take up to days to take effectAs such, the customer will have no further obligations under these agreements As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaintShould you need any additional information in order to close out this file, please let us knowThank you

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]

Dear Revdex.com representative: Thank you for bringing this complaint to our attention This file was recently closed as unanswered, but we feel we have addressed and resolved all issues raised in the complaint and respectfully request that you re-open this file and consider the following response Thank you As noted in the complaint, our company provided this customer with a program tailored to its needs with various reduced rates and fees The issues raised by the customer were due to inadvertent billing errors as a result of these unique adjustments Also as stated in the complaint, we have to date refunded the customer $on 12/11/to cover charges incurred before the equipment was set up and another $on 2/8/ We also credited the customer $on 3/12/ Another $1,in refunds are on their way to the customer to cover December-February charges, lost American Express transactions, first month equipment lease payment, PCI fees, and the difference between the 1.57% and 2.99% downgrade surcharge Despite these refunds and other customer service efforts to satisfy the customer, we agreed to close the customer’s processing account on 3/31/at no charge and waive the agreed upon early termination fee, but no grounds exist for early termination of the equipment lease, the rights to which are owned by a third party leasing company If you need any additional information in order to close out this file, please let us know Thank you Thank you, Jeff E***

Complaint: [redacted] I am rejecting this response because: first of all no attempts were made by them to contact me except to return a call once the complaint was filed. No emails were ever sent to me except for the selection og the gift cards which was returned to the company. And there was no respk ce to that email. They offered the extra 100 gift cards which I do not need prior to the complaint. I can not use their machine because I only have room and the ability to use one machine and since their machine does not allow me to even check the balance if existing cards I have no choice but to use the old machine. This company is not being truthful as far as what they are saying about trying to resolve this! I do not feel that this company is making a reasonal effort to resolve this. 4 months this has been going on and nothing so much as a response until I file a complaint. Sincerely, [redacted] ***

Dear BBB Representative: Thank you for bringing this complaint to our attention. As an initial matter, we maintain a Resolution Center on our web site through which we encourage all customers to submit issues like this so they can be resolved without the involvement of a third party like... the BBB. We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The customer signed a Merchant Processing Application and Agreement (MPA) that sets forth all terms and conditions of the agreement, including an itemized list of all credit and debit card processing fees as well as the non-cancelable lease for processing equipment for $69 per month (plus applicable taxes) for a term of 48 months. Additionally, the customer participated in a recorded verification call with the company’s compliance administrator in which she expressly confirmed her understanding of and agreement with the primary terms and conditions of the agreement, including the equipment lease term and monthly payment. That said, our customer service department has worked diligently with the customer to resolve her concerns. In May 2016, our customer service department reduced the customer’s downgrade surcharge rate for non-qualified transactions from 2.00% to 0.005%, reduced the customer’s rate for signature debit card transactions from 1% to 0%, and waived the customer’s annual $150 PCI fee as a courtesy. In August 2016, the customer called our customer service department for assistance with her terminal and was then connected to our technical support agent to further assist with the customer’s issue. Even so and despite the existence of valid and enforceable agreements, we have agreed to terminate the customer’s processing and lease agreements prior to expiration of the agreed upon terms and waive all associated early termination fees and obligations, but no grounds exist for any additional refunds to the customer. As such, the customer will have no further obligations under these agreements. As a result of the above, we feel we have addressed and resolved each and every issue raised in this complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.

Complaint: ***I am rejecting this response because: For the same reasons listed before. The sales representative stated no obligationsNo obligations means no termination feesWe will not be paying these chargesThis company does not have it's customers in their best interests and will do anything to lie and cheat hard working small businessesThey tell you everything that you want to hear just to sign you up and then when their promises are nothing but words they try to attack you with all these hidden fees and extra charges that where never brought to our attention beforeThis is very poor business practiceSincerely,*** ***

Dear Revdex.com Representative:
Thank you for sending us the customer’s rebuttalAs requested in the rebuttal, we have sent the customer a written email confirming the early termination of the customer’s processing agreement and equipment lease at no charge
Furthermore, the processing fees for the month of August totaling $will be reimbursed to the customer in the form of a check as soon as the customer pays any balances remaining in order to bring her bank account out of collections
As a result of the above, we feel we have addressed and resolved every issue raised in this complaint and respectfully request that you consider this case closedShould you need any additional information, please let us knowThank you