Wells Fargo Bank, N.A.                                                     11/16/12
Walnut Creek, CA 94596

Inasmuch as MerchantInc is a registered MSP/ISO of Wells Fargo Bank, N.A. of Walnut Creek, CA, and since MerchantInc prefers to be anonymous regarding is U.S.Mail address,

I am Frederick Hoehn, a merchant of Omaha Nebraska.  I recently applied to MerchantInc for the service of processing payments that I would receive from future customers of mine.  They represented certain fees that I found to be OK, but actually misrepresented the fees by not informing me that I would also have to make arrangements with Authorize.net, who would also have additional fees, including a $99.00 start-up fee.

After hearing from MerchantInc that I was approved, they sent me to Authorize.net.  At Authorize.net, I filled out forms, and then came to the "Terms and Conditions" page.  At the bottom of the page there should have been boxes for me to check either "I agree," or, "I disagree."  But those boxes were not present, nor was there some other way to continue the process.

But there was a live chat button, so I chatted by text with Sarah, who had no solution to the problem.

Now there for, my relationship with MerchantInc is permanently terminated since you people have not upheld your end of the bargain, and have provided me with no services.

I owe you nothing.  Do not try to collect from my bank account, since that would be theft, and punishable by law.

Sincerely,

Frederick Hoehn