Product: Credit card

Here is an email chain of what has transpired. At the end of our conversation with FiServ and associates we refunded our clients as requested by FiServe. Our clients have not yet seen their refunds in their accounts that were processed by our buisness on XX/XX/XXXX and XX/XX/XXXX Unique ID ( please do not remove this value ) : [ { XXXX } ] WE HAVE BEEN WAITING FOR A RESPONSE OR A CALL BACK OR A PHONE CALL! OUR ACCOUNT IS BEING HELD HOSTAGE WITHOUT ANY COMMUNICATION and to add insult to injury your phone lines are not working!!! 

Responses Needed- Please answer all questions in full to avoid a delay in the review XXXX.What is the reason for the increase/decrease in volume or large sale? New program offer.

XXXX.Is this an isolated situation or will your business continue to process at these volumes? It will vary. Depending on the success of the program, we may see it again.

XXXX.Do you plan on processing more sales with this customer? If they choose to sign up for any other of our programs, yes.

a.If yes, how much more do you expect to process and how frequent can we expect the sales to be processed? Will depend on success of the new program. 
XXXX.What monthly volume do you expect to process moving forward? Will depend on the success of our new program.

XXXX.What product or service do you provide? Business Coaching for Small Businesses. Our new program includes a real estate investment coaching factor.

XXXX.Whats the estimated delivery/completion timeframe for your products/services? The new program is a " mastermind '' currently scheduled to take place on or about XXXX, 2025.

a.If the product needs to be delivered, who handles the delivery? Not applicable. It is a service not an " item ''.

XXXX.If this increase or transaction is due to an order placed, are you in possession of the product? We offer a " service '' not an item. Not applicable.

a.If you do not have the product, when do you expect to have the product in your possession? Not applicable.

XXXX.When do you accept the payment from your customers? Immediately upon registration for the mastermind.

a.If deposits are accepted, what percent do you require up front? Payment in full is required at registration.

b.How far in advance do you take these payments? Payment in full is required at registration.

XXXX.If you have a supplier ( s ) for products or to complete the service, who are your suppliers? Not applicable.

a.Where are they located? Not applicable.

b.How long have they been a supplier for the business? Not applicable XXXX.Do you have a website or retail location? Yes.

a.If you are using a website : davekauffmanspeaks.com i.What is your website address? davekauffmanspeaks.com ii.Do you have a shopping cart? Yes.

b.If you do not use a website or retail location, how do you advertise for your business and take payments? Not applicable.

Documentation Needed- Please respond and attach the following : A copy of the invoice ( s ) for the sales in the provided transaction list. See attached.

The cardholders name, billing address, and phone number See below.

Proof of delivery ( Including tracking numbers if applicable ) Not applicable. 

Last XXXX  months of your bank statements See attached. 

XXXX XXXX ( Fiserv ) XX/XX/2025 XXXX XXXX XXXX the information has been received and reviewed. Based on the merchant processing the large volume spike which the banking is unsupportive of we are requesting the merchant refund the activity on hold. Please schedule a callback with the assigned analyst at the link below. XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2025 XXXX PM To : XXXX  Department XXXX Cc : SVC-CreditRiskManager XXXX Subject : Re : THIRD SUBMISSION [ XXXX ] : XXXX XXXX Notification - EMPOWERING SMALL BUS [ WARNING : EXTERNAL EMAIL ] | This email originated from an external source. Do not open any attachments or click on any hyperlinks unless you know the sender and know the content is safe. Contact your system administrator if you are unsure.

Hello again : Please take note that all refunds have been processed. Please confirm receipt of this email. 


XXXX XXXX XXXX XXXX XXXX, 2025, XXXX ( XXXX hours ago ) to XXXX XXXXr Unique ID ( please do not remove this value ) : [ { XXXX } ] Good afternoon everyone : Our nightmare continues! We are appalled! 

We need to tell our clients why they have yet to receive their refunds after the refunds showed up and " pending '' in their accounts. We can not stress enough the urgency of a response. 


Risk Department XXXX XXXX, 2025, XXXX ( 17 hours ago ) to me, XXXX XXXX, This has been escalated to management to inquire on the quickest resolution for you and your customers. 

As soon as further is provided, I will advise!