United Card Solutions

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 concerns. At this time the customer is moving forward with our services and the name change is finally complete. We 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 complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted]. Thank you for your response. I accept the offer to cancel the contract for card processing at no charge and waive the early termination fee of the contract. Also, I would like to cancel the contract leasing equipment too. I would like to return the equipment back and pay the portion of the contract. There's no point of me to keep the equipment without any use. Since the equipment was shipped to my shop during December 11, 2015. On December 18, 2015 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 address. Sincerely, [redacted]

Dear Revdex.com 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 Revdex.com. ...

We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The 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 $209 monthly payment (plus applicable taxes) for processing equipment for a term of 48 months. Additionally, 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 associated monthly lease payment. That said, our customer service department is more than willing to work with the customer to resolve his concerns.  On May 5th, 2017, the merchant called customer service department to notify us he had sold the business. On May 10th, 2017, the processing portion of the agreement was cancelled. Contrary to the customer’s claim, no savings related issues were stated while the customer was processing with us. He did not give us an opportunity to review the account in order to adjust the overall effective rate if it was not suiting his business’ needs. If the customer has not sold his business, and continues processing with us, his sales incentive of $1,000 can be issued. However, 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 complaint. Should you need 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 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...

Revdex.com.
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 $59 per month (plus applicable taxes) for a term of 48 months. The MPA makes clear that the agreement is for a term of 36 months, the lease makes clear that it is for a term of 48 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 sales. Additionally, 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 payment. During 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 concerns. We 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 know. Thank you.

Dear Revdex.com Representative: Thank you for sending us the customer's rebuttal. As outlined in our previous response, contrary to the customer’s claim, Clover technical support did not indicate to the customer that his Clover POS system would not work with a limited satellite internet connection. The Clover service logs included with the complaint contain no mention of this. In fact, Clover POS systems do work and function without an internet connection. Indeed, the customer used the system for almost a year before raising this complaint. As 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.We regret the customer’s dissatisfaction, but we feel we have addressed and resolved 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:
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 $59 per month (plus applicable taxes) for a term of 48 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 merchant. Lowered 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 $0.30 to $0.00, and transaction fee lowered from $0.10 to $0.07. In addition to these changes a sales incentive of $295 was issued to the merchant on 8/3/2016 which our system shows was received on 8/6/2016 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:
 
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 resolution. The 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 attention.  This complaint was recently closed as unanswered, but we feel we have addressed and resolved every issue raised in the complaint and respectfully request that you re-open the file and consider this...

response.
We have reviewed the complaint and the customer’s file and have not found any support for the customer’s claims.  All rates and fees charged to the customer have been in accordance with the Merchant Processing Application and Agreement (MPA) signed by the customer, which includes an itemized listing of all applicable rates and fees.  Additionally, our customer service department reduced the customer’s rates well below industry standards in order to bring the overall cost down and issued the customer courtesy refunds.  We reduced the rate for qualified credit card transactions from 1% to 0.005%, the downgrade surcharge rate for non-qualified credit card transactions from 2.99% to 0.005%, and the rate for signature debit transactions from 1% with 2.99% non-qualified surcharge to 0%.  We also issued the customer a $99 refund to cover the monthly inactivity fee for the month of April and a $97.00 refund to cover the account setup fee.  Both fees were disclosed and agreed upon in the MPA, but we made these refunds in the interest of good customer relations.
 
With respect to the daily reconciliation issue, our company fixed that on 5/12/2016.  The account was previously set to daily discounting instead of monthly, resulting in certain fees being deducted daily with each batch, rather than at the end of the month in full.  With this adjustment, the deductions now take place monthly per the customer’s request.
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, please let us know.  Thank 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]

Complaint: [redacted]I am rejecting this response because:
The fact that my secretary, [redacted], signed this contract holds no grounds for their refusal to cancel the leased equipment part of the contract. She has absolutely no ability to sign for herself without my complete consent. She only has 1% ownership as of January 1, 2015 which obviously she had not known.
Furthermore, this company hires very slick phone reps that are trained to lie on the phone to their prospective clients in order to get them to sign the contract fast. Rep Elijah [redacted] originally told [redacted] that the monthly service fee for maintaining the account is $109. The contract states that the equipment lease costs $109 s month!!
You can look up this company on Google yourself and see all the many negative 1 star reviews of this scam company. All the 5 stars are fake- they are written by their employees.
All I'm requesting is to FULLY cancel all contracts immediately including the leased equipment !
I'm waiting for a response. Thank you.
Sincerely,[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]

Dear Revdex.com 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...

Revdex.com.
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 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 agreements. Though 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 fees. Termination of the lease agreement, which is owned by a third party, may take up to 45 days to take effect. 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.

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 concerns. We issued $300 credit on January 10th, 2018. On schedule next is a $500 sales credit, and the remaining $200 after 90...

days of processing. At this time the customer is moving forward with our services. 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:
 
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 Revdex.com.
 
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.

Dear Revdex.com Representative: Thank you for bringing this complaint to our attention. We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. Our customer service department has worked diligently with the customer to resolver her gift card issues. An...

additional 100 gift cards were offered to the customer. We still have not received the proper paperwork back in order for this service to be used. We have sent numerous emails with no reply. Phone calls to the sales department are not always swiftly relayed, the customer was directed to phone customer service for everything after the date of the sale.   That said, we have expressed to the customer that we are willing to assist in setting up her gift cards and refunding the fees billed once we see consistent processing. However, 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 complaint. Should you need any additional information in order to close out this file, please let us know. Thank you.

Complaint: [redacted]
I am rejecting this response because:this complained on 1.16.2018 with, because of failure of the company sales man promised to give us 2000$ if switched business with united solution.on 1/17/2018 after the complained, the account manager sent me email, to confirm to accept 500 $ credit sale after this date1/18/2018, which I didn't receive yet the 500$.I received 300$ on jan,10,18 because I swich with them , they suppose they send me 2000$.I confirmed by email to receive 500$ , after  receiving the email on 1.18.18 as part of solving the problem.I will accept the deal by taking 300$+500$ = 800 $.  which is less than I suppose to get.
Sincerely,
[redacted]

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 Revdex.com 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 Revdex.com. We...

have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The 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 $129 monthly payment (plus applicable taxes) for processing equipment for a term of 48 months. Additionally, 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 payment. That said, our customer service department has worked diligently with the customer to get their Integrated Software setup. We are fully compatible, and all necessary information has been sent from us to their conversion department. However, the customer has been unwilling to move forward. As 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 complaint. Should you need 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 attention. We have reviewed the complaint and the customer’s file and have found no support for the customer’s claims. The 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. Our customer service department has worked diligently with the customer to resolve their concerns. We reached out to the customer and reviewed the fees being charged, all are legitimate and mirror the signed agreement. The suspicion of double billing was found to be another processor still debiting their account, not our company. That said, 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 complaint. Should you need 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 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 $364.40 on 12/11/15 to cover charges incurred before the equipment was set up and another $32 on 2/8/16.  We also credited the customer $333.33 on 3/12/2016.  Another $1,905.89 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 3/31/2016 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[redacted]