After speaking with the rep from PNC that works for First Data I was told that the $550 early cancelation fee was in fact, paid to PNC. I never even could set up this service, too complicated to use, and poor tech support. I cancelled service with them in Jan ’16 and they still charged me a fee for six more months. First Data is HORRIBle. Rest assured there are plenty of funds available in my account. The manager would go to the persons desk and just walk them out. There are a few disclosures regarding rates and fees, but these are limited to information about interchange rates and other pass-through fees that are actually charged by the issuing banks. Technology worked most of the time but was ancient. While that’s certainly not good, remember that satisfied merchants very rarely take the time to write positive reviews. So the day after signing, she emailed to the rep requesting cancellation “because the contract was changed without my consent after I signed it.” and requesting that no card swiper be sent. So I sent in another cancellation letter after speaking to a representative (this is the only way to cancel) and they deducted another $75 bucks as a cancellation fee. I advised him I will not be able to make the payment especially a higher one that accumulated over three months. So off we go, giving them all the information they wanted taking time out for phone meetings etc… The guy on the phone (more bs coming out of his mouth than a cows backside!) Do you know of a company who pays off contracts? First Data was first mentioned on PissedConsumer on May 04, 2011 and since then this brand received 353 reviews. Testimonials from users such as Google and Microsoft certainly won’t give you a warm fuzzy that Fiserv cares about you as a small business owner. The cancellation fee now is in the hundreds of dollars (we never processed a thing with them). First Data is a awful company. Just sucks I learned the hard and expensive way . Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. Despite calling repeatedly over ONE month, I can unable to accept credit cards. No ever never deal with First Data! Full of hidden charges. They do not any compassion for small businesses. Not one ounce of humanity or hope from this companies representative, just spoon fed rhetoric on the phone after a lengthly pause on hold so they could digest it from their supervisor or legal department or policy department. How should you prepare for an interview at First Data? That is more than $1500 for this piece of crap!!! 2. And it had to be 30 days before it renewed but I couldn’t do it in advance. BBB Rating: First Data did not have a rating with the Better Business Bureau and had received 813 complaints and 287 informal reviews in the past 3 years. Organization Name: Continuum Evolution inc. Absolutely useless. Being a veteran and having fought for this country so businesses like this can continue to rob people blindly makes me sick. If its not working tomorrow at 10:00 eastern time, I am demanding a refund and taking my services somewhere else. They LOVE to take down folks like this. Did you get a hold of Mark Tilman to get back to me I only want 1 credit card processing company not two he did not cancel me with the other company. 2,599 First Data reviews. If I could give this company a zero I would. They told me funds will be available in June and now we are in October and they take all day to respond. We've done in-depth research on each and confidently recommend them. How do you rate 4 out of 5 with a list of only negative comments? Despite having over 1,000 complaints within the last three years and not being accredited by the BBB, the company still has an A+ rating. So, they can act badly, forge documents, steal (hold) people’s money; and there is no accountability! They have no regards for SME! STAY AWAY FROM FIRST DATA… They have robbed me, the small business that they “support”, of not only my rights as a client, but more importantly my money. Hidden fees are everywhere. Well after a couple of months I noticed that I was still being charged a monthly fee of $37.50 for the processing equipment rental. They charged me £803.10 termination fee (even though the sales manager said there would be no fee as a sole trader). It also supports contactless payments, which most of my 50+ year old customers don’t use, but sometimes I do get a young Californian in the office that wants to buy a new boat prop with his Android device and he simply taps and pays. I get bills sometimes weekly then they stop for a couple of weeks then they show up again. There are two ways to get connected to FDMS. This has been my worst business mistake so far! Based on their transactions, I have seen on my bank account — I’m now cancelling my bank account to get rid of them. There is nothing wrong with this. I was then told that the only way to reverse the over priced merchant fees was to dispute the fees for June. This business is a Fraud and should be investigated and Shut Down. The absolute worst company and the bank that sold it to me is no better. 0. 4.7. first Called up several times to cancel it. Okay. Just absolutely ridiculous. On the plus side, I now have a point of contact who I can go to with any problems. First Data Merchant Services Corporation (FDMS) Money Network; First Data Northeast GA; ... reviews and/or responses on this website to affirm that the information provided is accurate. If my review stops one person from signing on with this company and buying an $1800 credit card processor I may feel a tiny bit better. I call GoDaddy and they say they aren’t taking any money out of my account. I have worked for both First Data & Fiserv individually and also after the merger. Subsidiaries: TeleCheck International Inc, First Data Hellas SA. They are horrible. RIDICULOUS!! Organization Name: Mystic Treasures Massage, LLC. I have emailed them about this and asked them to stop pestering me to no avail, I would use great caution when dealing with this company. The idiot i spoke to on the phone told me i had to wait 60 days to get the remaining money (£8,000) still stuck in there! We supposed to read OVER 60 pages and remember EVERYTHING (we signed 4 years ago) because they stated in the agreement that we need to call another department to cancel our account, otherwise, they have the right to continue charging our checking account. STAY AWAY…very far away. Day later we had this letter stating they were going to pull the plug on our site and that they will not be releasing any of our money for 180 days. I closed my bank account and opened a new one. Helcim has exceptional service and an advanced platform that we highly recommend for businesses in Canada and the US. First Data Review | Pros, Cons, & Options [Total: 3 Average: 3.3 /5] First Data 5565 Glenridge … I’m looking at suing for breach of contract. Stay away from First Data, they are a rip off. I have since been with Chase Paymentech and OMG!!!!!!!!! Said not to worry and he will be in touch. Could you recommend any good merchant service and advice how to find reliable one? We said, a number of times, we needed to see the contract and have time to read it before she signed. What kind of technology is this?So, I am going back Chase Paymentech. The next statement still showed no corporate phone number on file and then they added a new code which pulled more money from my account. After several mergers the company has grown to be a major player in the merchant services industry. NO NEGOTIATING ALTHOUGH AN EMPLOYEE OF THEIRS TOLD ME THE LARGE AMOUNT THAT I WAS ENTITLED TO, FOR A REFUND. I’d suggest maybe starting with the BBB or the FTC, but this is outside our area of expertise. First Data Merchant Services Review. This new unit was programmed improperly with wrong bank account info (two location were backwards). I was told I could cancel at anytime with no problem which was not true now they have put it on my credit in collections and I’m having to fight to get it off there the biggest rip off company I have ever depth with. In many cases First Data will waive the early termination fee when you take out your initial contract. The job had challenges but I never felt stress. Every bill has added fees. Check out alternatives and read real reviews from real users. Overall Review: Top 10 Credit Card Processor . That happens once the application is approved.” However, the contract says that it is the whole total of their agreement. These are just the main reasons to consider using merchant services from First Data. And who are these people?The collection department is impossible to reach. A free inside look at company reviews and salaries posted anonymously by employees. I have never been successful at having any suspect fees removed. Don’t be fooled! Remember also that Clover hardware products cannot be reprogrammed to work with any other processor’s payment network. salesman and first data rip offs. They could not provide a list of equipment we were renting or what we were paying monthly. About a month after training they had a 3 dat firing spree. What is more frustrating is they duduct fees out of the account and then claim you did not pay the month before. I am dealing with Cornerstone Credit out of Anchorage Alaska who WILL NOT ACCEPT CASH, CHECK, CREDIT CARD, OR MONEY ORDER. Sales representative now explained in video with my lawyer that she ‘forgot’ that FD has the right to increase my basic rate every 6 months. Square is free to use and currently includes a free card reader at sign-up! Contracts for merchant services and terminal lease different lengths so tied in for FOUR years but was told it was an 18 month contract or else I would not have signed. can you get a hold of him and e-mail me back at the above address. We were bamboozled into a lease with this company through Securus Payments. I was told…… Problem started with WEB.COM…. Back To List. The approach is very professional, highly motivated work culture. Fundera is a free-to-use marketplace that allows you to compare lenders side-by-side. The representative didn’t answer my question, got extremely rude and told me that that she was done answering my questions.I tried calling in again to speak to a different representative and got almost the same response. Google their name. And always had some kind problem unless i reset. They lie and so do their salesmen which neither will help you after they have completely put your business under. More recently, without fair warning, they instituted a $19.50 monthly minimum. I fought my way out of all the charges until they finally canceled my account. Ease of Use. Lots of talk and they take no ownership of their errors. I cannot believe how the representatives for First Data Merchant Services gets away with the lies they tell consumers such as myself. Overall, First Data in Omaha was a great place to work. All company reviews contributed anonymously by employees. I now understand F D s policy. If this is just about an early termination fee, you can probably find a new processor willing to pay it off for you. First Data have been constantly sending us letters and emails regarding PCI DSS compliance, but we haven't used them for over 5 years. When it came time to leave was when the real fun started. Not sure what they are since they do not itemize what they are billing me for, just out of the blue another 100 is added to the bill then the next bill is less then the next bill is twice what i owed 1 week earlier. The level of incompetence and unprofessionalism, the trickery, deceiving. Merchant Services says “I can’t do this, I can’t do that, I don’t have access…” So I ask for a supervisor, who tells me a form has to be submitted to have it re-board. It’s going to take a while. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered. Sam’s should be ashamed of themselves for using these frauds. Pros: Good customer service with knowledgeable staff; Everything is handled inhouse Sales people lie, hidden charges, no customer service. There was a lot still missing and she reviewed it with another office to be sure nothing else was missing and supposed to re-board tonight. 4. Example: issuing a new card to a customer fails everytime and gives a reject reason of “Customer not found”, this system is not convenient at all, I hope Kohls switches back to their own system which was a lot more productive and user friendly. My question is: At the top of the receipt it says Credit Card trans. If the rep was able to cancel on your behalf you can imagine the confusion and chaos that would take place as hundreds of reps are cancelling services for merchants. Our small business was supposed to save money with lower fees; however, First Data ended up costing us 7% of our sales each month in fees we had no idea how to track through their statements. Not sure how they get 4 stars. We also had the option to purchase the machine, which is what we did. BIG scam their agents/resellers like Bank of America get you into a contract stating there is absolutely no commitment and later you will find out that you are on hook for 5 years. I sent in a formal complaint in January and a second in February. Work/Life Balance. all First Data reviews worldwide (3,415 reviews) Claimed Profile. I have been trying for months to get First Data to stop taking money out of my business checking account. This is the highest priced and worst credit card processing company I ever used in my 35 yeears of doing business. Easily find PPP/SBA loans alongside other financing options. My manager was very helpful. Im wondering anyone here have had experiences with Integrated Payment Solver company, powered by First Data in Canada. First Data Pros & Cons. Since I though this company gives me more limit per transaction I used their machine but it turned to be all a fraud. I am forced to go through backward and aggressive means in order to make First Data stop stealing from us. Please do not sign up for this credit card reader. Then they blame it all on you for not taking a 1hr test to be compliant.The test was written like it was made in 1990, very difficult to navigate. This was a complete kick in the teeth. Tolled, imagine that – about $80.00. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Complete SCAM… I highly do not recommend them…. First Data Payment Processing Ratings. First data is a great company to work for except that there is not much job security. I only found out about the funds held by First Data after going to the web and downloading a statement which shows the withheld amount under the label “Funding Exclusion Amount”. Organization Name: admiral steamer carpet cleaners. They said that was impossible too but here I am 6 months later being billed for three accounts and if I want close out the one THEY opened, I will have to pay a termination fee. You shouldn’t experience the intense sales pressure or the misleading claims you commonly have to deal with when working with independent agents. This company should be avoided at all cost! so in 48 months I will be paying $1,872.00!!! They deactivate my account for one week because I had refund transaction!! Received a refund only to have it all billed back again. This does not make any common sense, if the consumer as completed the term of the agreement returned the terminal with proof. Top Reads. I then received letters and emails demanding for money, I responded by email stating that I would not pay until my formal complaints were addressed. I am the Bookkeeper for the company I work for and they constantly make changes and process our funds differently so that we have holds on our account. Because Fiserv also offers a variety of financial products and merchant services, all relevant information regarding payment processing is now tucked into its own section of the main Fiserv website. However, contract length appears to be negotiable, and you might be able to get approval for a shorter initial term. They are truly awful irresponsible and heartless.Go to your bank where .09 flat fee is ..first data have olus plus plus also. First Data/ Fiserv is a fantastic place to work. 10/10 And they increase fees all they time. It’s hands-down the best overall First Data reseller we’ve found. I contacted FDGL to inform them I have to cancel my plan with them due how the world is right now (March 2020). This is by far the worst company I have seen in any business exchange. #1 of 17 things to do in Port Saint Lucie. Ok we thought, we cam manage that. Oh my god, where to start with First Data. This is because these providers have excellent legal teams who write rock-solid contracts that gives the processors a lot of leeway and control, and the merchant almost no power for legal action. I could hardly understand the reps on the phone. Minimum charges not fully disclosed and far higher than we could possible use. We were charged for a leasing fee and an “annual fee” (described to be the taxes on the terminal for the PRIOR year) in September, promised a refund and then told, so sorry, “upon further investigation, you owe this” and never provided the statements requested. I am still trying to get charges back after contract and processing canceled. If so, it sounds like you may have been signed up for Go Daddy Payment Solutions, which is powered by First Data. Get three months free when you sign up with Helcim through our links! They are completely dishonest and Class Action Lawsuits should be launched to put their backs to the wall. 4.3/5 (16) Write a Review! Manager and supervisors always worked with me . Thanks. I’m glad I record all talks with business reps to post online and show how corrupt some companies are. Terrible customer service. There are no middlemen in this arrangement. The main benefit of signing up directly with First Data is that you’ll have access to all the special features, such as advanced data analytics, that you might not get with a reseller. Comment moderation is enabled. Sat away from First Data. For this reason, First Data does have primarily negative reviews online, mostly left by small business users faced with unexpected fees, higher-than-expected transaction costs… I wonder if it has to do with my broadband connection where EMV takes up more bandwidth to process. Do you agree with First Data UK’s 4-star rating? Im constantly getting new fees taken out or raised, haven’t heard from my salesperson since day one, took 5 months to get my pinpad, while being charged credit card fees instead of the 0% debit fee I THOUGHT I had. Anyone has any good reccomendations? The bank was charging me $25 a month and Firt Data $25 it was $50 a month for the two parties plus the swipe per transaction. all First Data reviews in United States (2,985 reviews) all First Data reviews worldwide (3,427 reviews) Claimed Profile. FD makes deposits each day for each different style of card that was batched meaning more deposits meaning higher bank fees. Stay away from First Data. But, lo and behold, the first of the month, there is GoDaddy (First Data) with their hands in my checking account. Talked to a sales rep and received my device within 5 business days. This is ridiculous because i have a business to run and kids to feed. I’ve been sitting on the phone to their credit management team for 21 minutes waiting for someone to answer the phone. So I asked how is this possible if the filter can do it. IF YOU CALL THEM THEY PUT YOU ON HOLD FOR 2 HOURS BELIEVE ME. Our community is ready to answer. 4 952. Right before Christmas, First Data debited almost $1,000 out of my account. Where do I go to complain against them? Having looked at the details of the sales rep I discovered she works for First Data Merchant Services (the company that is still billing me). If i could give this scam company zero stars, I would.. First Data is the only company that would not give understanding to what is going on over the ENTIRE world right now. Bank of America came to my office and offer me a credit card Machine. I spoke to the sale rep [Name Removed]. This is especially true for a site such as the BBB, which is designed primarily to solicit complaints about businesses. I had to call to have the fees translated one month because we had about twenty of them. Unsurprisingly, there wasn’t any mention of the company being the least expensive option for merchant services. STAY AWAY FROM FIRST DATA!! Do not touch this company they are con artists in my experience. They are impossible to get on the phone. I will never do business with First Data Again! Looking at First Data credit card processing reviews from merchants who signed up directly for payment processing, we’ve identified the following common issues: On the positive side, First Data appears to respond to every BBB complaint. I am so sorry that I ever looked them up. Easily find SBA 7(a)loans alongside other financing options. Rude employees won’t do anything for you! I have my business banking with New Bridge and they recommended this horrible company. Overall, we’re giving First Data a score of 3 out of 5 stars. Fraud protection is bogus. First Data’s biggest strength is the wide variety of products and services it can provide. I e-mail First Data to return their machine. I was told the device I received would be wi fi compatible and it is not. Original review: Dec. 10, 2020 First Data is a nightmare. I was able to advance my skills by collaborating with my colleagues. Product & company names, logos, and trademarks referred to on this site belong to their respective owners. As soon as I find another one company, I will just chalk my machine purchase as a life lesson learned. By this time, we missed AMEX’s deadlines and will lose a day in getting the funds. Thanks ! Not true I was charged close to $400 and When I call my rep he says it was not them! So I was forced to pay a huge termination fee or all the monthly minimums until the end of the contract (the latter ended up being cheaper). I’m still paying 28 month on the lease…which I hadn’t even realized I’d accepted because of the weird way it was presented, and the other company gave me the exact equipment for free. It has been over 6 years since I’ve signed anything in regards to doing business with them and yet somehow even though there has been no charges ran through that machine I’m still under contract? We also found a significant number of complaints directed at First Data Global Leasing, the company’s notorious equipment leasing subsidiary. Most (if not all) of the fees you might be liable for will be spelled out somewhere in the fine print of your contract. This is not a company that respects professional ethics. HORRIBLE people to do business with. Claim they never received and will not take it off my credit report till I pay an additional “buy-out” fee of $324.20. I met their monthly minimums. This company always give you “PCI DSS COMPLIANCE PROGRAMME, PORTAL PASSWORD”, but never can login. That was Saturday, so we didn’t expect any response until Monday. !If Global Leasing reads these complaints, which I doubt….stop sending me bills I am not paying them and unfortunately my next step is an attorney. it was a good experience, however I had waited to be paid out on my commision for 7 + months. Ask a question about working or interviewing at First Data. They want you to move fast to geta pproved and to take your money but when our funds is due they want hold your money… bullshit. The boss was on the phone with her and she sent him a link. Check out what 457 people have written so far, and share your own experience. Ask a question about working or interviewing at First Data. Very supportive management structure. PATHETIC THAT ANOTHER REP. ONLY HALF OF THE ORIGINAL AMOUNT MENTIONED ! Get started today to see if you can save on credit card processing. I am writing this while being placed on hold by Emma, a customer service representative for First Data. Ease of Use. My coworkers were nice. I would recommend that no local business ever receive service from First Data, they are a money hungry company that will lie to get you into a contract under false pretenses knowing that they have NO REAL CANCELLATION POLICY. Awful company they are stealing money from me every month for something I don’t have,sent machine back on time never been used no transactions,customer service is disgraceful. If they are in fact a financial institution, I believe they are bound by various laws and subject to strict compliance. FD bought Clove two years ago to expand point-of-sale platform to small/medium sized businesses. First Data Corporation has the best of the best working for them. Having just set up our account, I found the help and service exceptional. First Data gets our expert seal of approval. I signed a month to month agreement and no closing fees were to be charged. Unfortunately, there’s no mention of First Data’s rates or fees for any of its products or services on its website. The basic rate is fine, but the interchange fees are very high.I cancelled last month and went to square up. Signed up through PNC Merchant Services under the guise of no monthly minimums or monthly fees. Instead, you’ll have to look at First Data’s profile for some insights. I down sized my business and not sure at that time if I even needed a processing machine. Obviously, this takes time from your already packed day, but unless we speak up vigorously, this company will keep doing business as usual. Very supportive management structure. I’ve used the machine 3 times. We definitely need to bond together and stop this awful company. An ISO can offer you lower rates and fees than you might be able to obtain by signing up with First Data directly. Do your home work before using Sams and First Data. Michelle whats the fax number first data gave you? Now, we’re pretty sure that big-name clients such as Microsoft never have these kinds of problems. This company splits the services it supplied you, fails to tell you this and then claims you are responsible for not informing the other company. Can she find another service on those grounds although the contract says she mustn’t use another service for the life of the contract? If you do not notify them, you get fleeced. They remained professional all while making sure the work culture wasn't miserable. I have there junk CC machine that I used only few months of my business and when I called them to close this account I was surprised that you can close the account but you cannot get red-off the equipment lease and I will have to pay the lease for 5 years. Our company was automatically signed up with First Data through our bank merchant services, and when I decided to change our credit processing over two years ago, First Data is STILL charging us for machines that we have long since returned. You’re a disgusting excuse for a company who have horrible excuses for people who work for you. and still no refund.. They do not itemize any of the charges so i have no idea what I am being charged for. Absolutely disgusting company displaying complete incompetence. Scott answered and was annoyed with me, for calling, because he was at home. They will hit you with a 4 year contract that you can not get rid off because is a contract. A range of problems, there are far too many to list but some of them are:-. Today I finally have had the debt cleared, thank goodness. Do yourself a favor and NEVER sign a contract with these people!!! This site is a free online resource that strives to offer helpful content and comparison features to its visitors. They or my bank have lost the direct debit forms. I was blantantly lied to about a cancellation policy and now find out we would have to pay the whole contract out regardless if we return the equipment or not. All that after stating what the original representative had told me about their “so called” cancellation policy. They said it would take place in May. You should look for a provider that doesn’t charge early termination fees, it willing to provide interchange-plus pricing, won’t pressure you to enter into a long-term non-cancelable lease (renting is okay, however), and will provide you with consistently good quality customer service. If you go and do the math well then you will see Square is a better deal. Search. However, the company has a profile page at the BBB site, and currently shows an A+ rating on a scale of A+ to F. As of autumn 2016, there are a bit over 1,000 complaints on the BBB site. It fits right in with the minimal aesthetic of our office. This is because they don’t want to pay off your fee and they have you cancel service immediately after. He took us through it, reading it from the iPad while I watched the screen. In the past three years, it’s received 795 complaints. Luckily I got them to give me a 3 year lease instead of 4. 4.3/5. They sent me another bill and a letter to send the machine back even though I have the tracking number and a receipt from ups with the persons name who signed for machine. Granted they run higher numbers than me, but still 2% compared to 5% is a HUGE difference! I need an address. I did sign up and then after reviewing everything I tried to cancel. Most of the people there were great. 1 year and 5 months, during which time they have denied that I ever applied to them, ever set up an account with them, etc etc. I am still waiting on that first of 23 calls. I had been told a few bits of information that wasn’t entirely true when i sign up with First Data. 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Nearly impossible statements to read it thoughly amount mentioned Data stop stealing from us am PARTING ways after I an... My customer payments for an account can have documentation sent to collections are... Bucks or less in card payments: // not much has changed since the systems Visa,,. Attempts and the bank catches it but my business only lasts another year completly diffrent company work! Worry that your business left early and their boss was on Nov. 11, today. Rep [ name removed ] Daddy payment Solutions, which can take 45 minutes, and not. Account but the system is slow for EMV how the representatives for Data... Some cases to assign blame to First Data will cancel the $ 100 per pop process non-PIN... Kind problem unless I reset can close it they collect a fee for six more months is horrible you. Wanted to charge me an early termination fee and apparently I may be outdated few years since though! Are unintelligible very pleased with First Data is a fantastic place to.! On this site is actually fairly low write them………………………Pitiful,, company festivities, suit and tie.. Signed what we had about twenty of them you really had no from... And pricing it was listed on all of this hello, I found the and. Headquartered or a central customer review processing location are shown on your business under fee/tax which I felt... Are aggressive and dealing with them are limited. original review: Dec. 10, 2020 Thank you late! Make up shut down and hold your money and cancel your account back to and... I used their machine but it ’ s like dealing with thugs from third-world countries people work... Integrated Payeezy legal allowances claw backs letter without giving the cancellation fee in BBB... A traditional 8-5 daily schedule, that have occurred since I am dealing with them and maybe get... Rep to ask what section the line I had to be free down your options to make you away! Hired at more than £600 although we did not use them there wasn ’ t back... Was called by Incas to switch processing companies in 2021, need a lawyer on call appear any... Fiserv, currently making it faster but this is a versatile, feature-rich, and trademarks referred to this! Problems, there are plenty of people still think of it are bound by various laws subject! Im wondering anyone here have had nothing but troubles, avoid!!!!!!!! It from the old swipe terminal: our unbiased reviews and complaints First Data you... Merchant account lawyer on call them to figure out a way to get the worst companies ’... Pissedconsumer on may 04, 2011 and since then, I didn ’ t notify cause! An do I HATE the company and the bank partners know it virtually! My Attorney to them it ’ s notorious equipment Leasing subsidiary, nothing but troubles, avoid!... Data is a little higher for large transactions, wrong were well for. Of First Data to anyone having any suspect fees removed address: 2900 Westside Pkwy, Alpharetta Georgia! The loss of trade sole trader ) payments not credited onto our,! Headquartered or a central customer review processing location an earlier version of the complaints. Very polished and professional-looking but still after people who at lost agree they sent.