Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/05/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a business owner who uses ************ solutions as our credit card processor. I have been trying to get help with a client's refund and can't get Stax to respond to any calls, emails or tickets. It's been days for something that should take 15 minutes. No one will respond. This is a large merchant supplier who provides ZERO support. They also shipped me a new terminal device without providing any support to finalize the set up. I have used other merchant suppliers over the past 13 years and have NEVER experienced anything like this. Not even close. I need to service my clients but can't do it without a customer support from my merchant company. I will be leaving them as soon as I resolve this matter. I am putting this out to the BBB to help other companies from signing up with this B2B vendor.

  Business Response

  Date: 01/08/2024

  ********************* from the support team has been working with the merchant.  The complaint may have come before he was able to make contact.  He is reaching out again to see if more assistance is needed

  Customer Answer

  Date: 01/08/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  Though the did not respond to the BBB.  They have since responded to me via email.
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:12/13/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Imagine being a small business owner, and your credit card processing company is outright stealing from you? This is what you will get if you sign up with Stax. Over the course of 9 months, over $500 in unauthorized charges has left my account. They will charge you SO much more than the $59/month that they tell you over the phone. DONT FALL FOR IT! They honestly should be out of business, this is so beyond immoral. And forget trying to just call their "customer service" number to resolve anything. They will give you the runaround, and tell you to email them instead. Imagine any bank treating their customers like this. I will shout it from the rooftops, until my money is returned to me, DONT USE STAX!!!.

  Business Response

  Date: 12/18/2023

  The account is now closed.  There were fees for being PCI Non-Compliant as well as ACH reject fees from the bank for not having the available funds when they went to debit the account for fees.  Both of these are legitimate fees.  The only fees that we control are the membership fees.

   

• Initial Complaint

  Date:12/08/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Stax continues to have no means of reaching customer support or returning inquires in a timely fashion. I recently asked for access to the transaction fee rates and even after getting on with a customer service agent after 2 weeks, they "lost connectivity"within 5 mins and hung up without following up. And a separate issue, for the past 1.5 months I have not be able to submit refunds for credit card transactions. Not a single person who works at stax has been able to help this issue which is clearly a bug on their end. They are impossible to get a hold of and yesterday told me to download a separate credit card processing system to manage refunds. This system is a different company and has subscription and additional processing fee. Why am I paying for Stax if they are recommending another processor?

  Business Response

  Date: 12/20/2023

  Since this complaint was submitted our Support team has connected with the merchant separately and resolved the refund error. We are investigating the recommendation to download Swipe Simple as this is a solution usually reserved solely for merchants needing mobile terminals, not a replacement for the Stax Pay portal.

  Customer Answer

  Date: 12/26/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** Judge

• Initial Complaint

  Date:12/04/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Stax is a credit card processing company. Two weeks ago they did not deposit funds that were charged into our bank accounts Customer service is minimally available and took days of them trying to track the problem and assuring it would be rectified. Over two weeks have gone by with minimal follow-up and no ability to speak with a manager. They owe us over $50,000 and still cannot get an answer. In addition they arbitrarily changed deposits from bein available the next business morning to after the bank closes the next day. Atrocious managerial customer service and outrageous for a CC processing for a small business.

  Customer Answer

  Date: 12/20/2023

  I have heard from the company and it has been resolved. Thank you. 

  
  

• Initial Complaint

  Date:10/12/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  2 months ago we requested to change the bank account through which Stax deposits our processed funds. The process was archaic - they do not have a way to speak to a customer service person - instead you call an answering service who open a ticket. I have around $7k in funds stuck in Stax system for nearly 2 months - have emailed multiple times and have received no response other than the money was meant to be deposited 3 weeks ago. The worst customer service! I have no way to proceed other than opening multiple tickets with their customer service team to which they will not respond.

  Business Response

  Date: 11/03/2023

  Mr* **********
  
  We sincerely apologize for the difficulties you have recently experienced getting in contact with Stax Support and having your bank account updated and funds released. We have been diligently working to improve our processes to avoid situations like these and have made progress, but we still have a long way to go to be where we want to be.
  
  For the time being, submitting a ticket through help.staxpayments.com or opening a live chat on our website is still the best way to get in contact with our Support team. All tickets will receive a response within 1-2 business days (often sooner) as long as valid contact information is provided. You may also contact the Customer Success team at [email protected] if you do not see movement on your ticket within that timeframe.
  
  At this time, it appears our sponsor bank has released all funds that were held previously and the agent you spoke with completed the bank account update. If you have any questions or concerns, please do not hesitate to reach out to our Support or Success teams. 
  
  Thank you,

• Initial Complaint

  Date:09/19/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Canceled our account on there terms , said they were to hold any funds for 6 month incase of other fees.
  
  Its been over 6 months, they will not respond
  
  We need our money back asap

  Business Response

  Date: 09/19/2023

  *****
  
  Our apologies for any miscommunication. When accounts are closed for issues related to Risk or chargebacks, we must hold funds for at least 180 days in case more chargebacks are filed. If more chargebacks come through, this restarts the window. You received additional chargebacks 5/23/23 and 8/11/23, so the hold has to be extended until February of 2024. If you continue to receive chargebacks, this may extend the hold further. When we are able to release funds we will do so automatically, you will not need to contact us.
  
  We understand this may place a hardship on your business and apologize for any difficulties this has caused. These types of holds are required by PCI regulations and we do not have the ability to make exceptions
  
  Thank you,

  Business Response

  Date: 09/22/2023

  If a chargeback is submitted for an account we are holding funds for, we will first attempt to debit the bank account to cover the chargeback and related fees. If the debit is successful, the deposit hold will not be extended. We will only extend the deposit hold if we have to cover the chargeback with the funds being held. 
  
  Your subscription has been cancelled and all billing schedules closed. You will only see debits on your bank account if a customer submits a chargeback.
  
  We apologize for the hardship this places on your business. However, we must follow the policies of the applicable regulatory institutions and our sponsor banks as detailed in the Merchant Processing Agreement.

  Customer Answer

  Date: 09/25/2023

  
  
  Complaint* ********
  
  
  
  I am rejecting this response because:

  staxx is scam , they make up rules to empower there company. 
  holding 6k dollars of another customer money.

  
  
  
  
  Sincerely,
  
  
  
  **** ******

• Initial Complaint

  Date:07/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We were never a customer of Stax and technically we still aren't however Stax took over our account from ******* ***** around four to five years ago which we found out about 2 months ago. We are technically still charged by Pament Depot to my knowledge but Stax now runs our account.
  
  We were/are on a plan with ******* ***** to charge credit cards at 0.0 percent about interchange with a fixed fee charged for their services. During our time with ******* ***** we were never charged PCI compliance fees, Their system sucked but we used to be able to get support on the phone. For several years (until 2 months ago) we were unable to see any bills from Stax or ******* ***** and simply did our calculations of charges based on money in vs money received. Recently we noticed our fee percentage was very high and we attempted to contact ******* ***** by phone and via their online portal (they have no direct email contact) we contacted them, left messages and form submission well in excess of 40 times. To this date we have not received a single reply even though they are still our supplier (now owned by Stax). As proof we put in another request via their website with now response. Through our own research we found out that Stax had taken over ******* *****, after around 20 attempts to contact (we have documented) we finally got a response and were able to see our invoices. We were being charged a pci compliance fee for several years and also one month at least we were being charged over 0.1 over interchange (which is against our contract) at no stage were we ever contacted about PCI or fees and we would like this money returned. Even after we pointed this out to them we were given the run around and contacted over 20 people finally ending with Eric who at least contact us back. but essentially told us to go away. We would like this problem resolved and for Stax resolution system to at least contact customers back without 20 attempts.

  Business Response

  Date: 08/07/2023

  We apologize for the difficulty contacting us as well as the confusion with your billing. If needed, the best way to contact us is to submit a form through help.staxpayments.com with your preferred contact information and a member of our Support team will reach out within 1-2 business days.
  
  In regards to your account, please rest assured that nothing on the back-end has changed that would affect your day-to-day processing. Fattmerchant and ******* ***** merged in 2021 to create Stax, however, your account was carried over as existing. Your back-end processor (also referred to as the sponsor bank) remains TSYS and your merchant ID is the same. Information regarding the merger was sent out to our merchants via email in early 2022.
  
  PCI compliance is required by the card brands themselves and is monitored by TSYS, not Stax directly. You can find more information in our knowledge-base article here: ***********************************************
  
  PCI must be registered annually, with system scans completed quarterly. Per TSYS, your business first completed PCI validation for 2018 after signing up with ******* *****. However, this validation was never renewed and the business has been non-compliant since May 2019. As the business was previously compliant before becoming non-compliant, we would not be able to have any fees refunded. Please contact 800-571-3928 for assistance with PCI compliance.
  
  Information regarding the additional discount rate was provided via statement message on your February 2023 processing statement. We advise all of our merchants to review their monthly processing statements closely on a regular basis as they will contain information about processing activity, PCI fees, and important messages from the card brands themselves. Statements are available by mail, or within your Translink TSYS portal. We can request to have this discount rate removed as a courtesy.
  
  We apologize for the confusion but we hope this helps answer some of your questions. Should anything else arise, please contact us at **********************
  
  Thank you, 

  Business Response

  Date: 08/18/2023

  We have made multiple attempts to resolve this merchant's complaints through multiple channels. Unfortunately, we have not been able to reach an understanding. As this merchant has made multiple threats of legal action to our Support team, we are no longer able to assist directly. We have asked this merchant to direct all communication to *********************** 

  Customer Answer

  Date: 08/24/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: 

  There are still outstanding issues;

  1  They still have not corrected their communication system. I can still make a phone call to ******* ***** and never reach anyone. You leave a message and never get a response. they don't have an email to contact, however they do have  a form to fill out and they will respond. NO response ever comes.

  2 They keep saying they have tried to address the issues, well they haven't addressed their communication issue and how exactly have they tried to address our specific issue? we were offered a $69 credit based on over $4000 over overcharges. This would not be acceptable to anyone. 

   

  It seems like they have no interest in addressing any of their issues, so we will proceed with legal action and I hope this gets published for others to see so they don't make the mistake of using this companies services.

  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:07/19/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had this company for approximately 6 months and they continue to withdraw money from my account not for the percentage or monthly charge but unexplained bogus charges that they make up , I have been told I will receive a credit back and it has been over a month and now they again charged my account and additional $75 when they owe me $225 and I cannot get adequate customer service or anyone on phone to help

  Business Response

  Date: 07/31/2023

  To whom it may concern,
  
  We have connected with this merchant separately since this review was posted. The refund for $225 was processed by Stax on July 20th. However, the $74.99 charges were for PCI non-validation, which is a regulation enforced by the card brands themselves and not assessed by Stax directly. If the merchant receives further $74.99 PCI non-validation fees, this may indicate PCI compliance has not been fully registered with the card brands. For more information on PCI Compliance, the merchant may reference our knowledge-base article here* ***********************************************. This article includes PCI points of contact by merchant ID prefix.
  
  Thank you,
  

  Customer Answer

  Date: 08/01/2023

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  **** *****

• Initial Complaint

  Date:07/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My small business, *** **********, was fraudulently charged $49.99 eight separate times. When I went back in my records to see what this charge was, I emailed Stax. They said this charge was done accidentally, not part of my plan, but per their policy could only refund 3 of the 8 charges. They erroneously charged me 8 times but only refunded 3. They are stealing from my small business- I use them as my credit card payment system. I have emailed and called numerous times but there has been no resolution. I can send email threads if needed.

  Business Response

  Date: 08/07/2023

  Hello,
  
  We apologize for the confusion. To clarify the situation, the $49.99 monthly charge was for the Performance Analytics advanced reporting program. If opted-in, this will be charged as a fee on your monthly statement. In June, our Finance team discovered an error that caused the charges for a number of months to fail. This error was corrected and the Finance team processed the back-billing for these missed months in June.
  
  At your request, our Support team opted you out of the Performance Analytics program and refunded the 3 corrected billings as a courtesy. However, we are not able to refund a full year's worth of charges. We have a limited window from our sponsor banks and the card brands to resolve billing discrepancies, so we ask that our merchants review their monthly processing statements on a regular basis so we can address as soon as possible.
  
  Thank you,

  Customer Answer

  Date: 08/09/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  the Illegally and erroneously charged me for something I did not sign up for (which they admitted in their report) but will not refund the full amount charged.

   

  I would like full refund they fraudulently charged me.  

  
  
  
  Sincerely,
  
  
  
  ******* ********

  Business Response

  Date: 08/18/2023

  Unfortunately, as previously stated, we are not able to address fees assessed outside our 60-day dispute window. Please refer to the email sent to [email protected] on July 8, 2022 with the subject line "Log-in to Stax Pay Today!" This email details the terms of the Performance Analytics program. As we did not receive a response to this email, we had no reason to believe you did not want to continue the Performance Analytics reporting service. We have refunded the back-billed charges as promised, however, we are not able to refund any additional fees.
  

• Initial Complaint

  Date:07/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used Staxpayment (fattmerchant) for ecommerce and credit card processing for my business (Advanced Engineering Institute) in the last 2 years plus. Suddenly they informed me they will cancel my account and hold my prcoessed funds ($17,025 plus erroneous charges they charge to my account of $174) for 180 days.
  
  
  I inquired why they canceled my account suddenly and hold my funds for 180 days. They replied that it is because of any chargeback and their concern of ." ...serious loss if your business were to experience a sudden and unexpected inability to deliver service...." , implying that it is a sole ownership business and if anything happens to me, the business will not deliver its services.
  
  
  I answered them, that in the last year I had a zero chargeback. Plus they already had access to the company's bank account to credit or debt any related charges or credit.
  
  I see their action of holding my funds for 180 days as excessive and unheard of, given that I have dealt with several ecommerce companies in the past 12 years, and none of them withhold any funding when you close the account with them, as it is my company's responsibility to pay any outstanding charges, if any.
  
  I also believe that closing the account because it is a sole ownership (regardless of how they would disguise it), is a discrimination against small business owners.

  Business Response

  Date: 08/07/2023

  Hello,
  
  As previously discussed by our Risk team, all accounts are periodically reviewed for risk and underwriting purposes as our, and our sponsor bank's, risk tolerances and guidelines may change over time. We are required to audit our older accounts to ensure that, though they may have been approved under previous underwriting standards, they are compliant with current requirements. Unfortunately, after reviewing all documentation provided, as well as the business model, it was determined this account is beyond our current risk comfort threshold.
  
  There are many elements our Risk team considers when reviewing an account, and the business entity type (such as sole proprietorship, LLC, etc.) is a very small portion. Forces beyond a business's control, like the economy, could have an adverse affect on both large corporations as well as sole proprietorships and could prevent any business from being able to deliver service. Our Risk team is more concerned with ensuring a business's finances can support their current business model. For example, a business that offers subscription-based services will need to meet certain cash flow, deposit, and other requirements in order to continue processing with Stax.
  
  When an account is closed for Risk-related reasons, we are required by *** standards to hold funds through the 180-day chargeback window to protect against possible customer disputes. When an account is closed at the merchant's request, funds do not need to be held, which is why this may have been different when closing with other processors. Once the 180-day chargeback window has passed, the funds will be deposited to the account.
  
  We apologize for the poor experience this has been and understand the hardship this places on your business. Situations like this are the unfortunate outcome of Risk standards changing over time and we do not close our merchants' accounts unless we have no other option. Thank you for your understanding.
  

  Business Response

  Date: 08/24/2023

  We will address each concern individually:

  - Unfortunately your risk team never asked for the requirements that AEI put in place to ensure that we meet our client obligations, nor the limited financial bank statements requested by your team would explain any of the concerns you listed in your response. Simply put, your risk assessment is ungrounded and not sure what assumptions were based on.
  
       Our Risk team reviews accounts based on our internal requirements as well as the requirements of our sponsor bank. Though your business may be able to meet client obligations, there are other factors that influence our ability to underwrite your credit card processing needs. This is similar to how banks underwrite loans.
  
  - Your risk team never asked nor inquired about any of your alleged concern raised in your email, with my business.  Had they asked and I did not answer your team, then I would have given you the benefit of the doubt. Instead, they took their decision abruptly and based on their limited understanding of the business they are serving. 
  
       Unfortunately, this type of risk review has very little room for subjectivity. There are times where we will be able to ask for additional documentation to support specific transactions and avoid account shut downs. However, your business was under an overall review, which we are not able to negotiate.
  
  - AEI is in compliance with *** requirements, as acknowledged by your own Stax Customer Support, yet you kept charging me erroneously for your own mistake.  A copy of the email is available.  
  
       Payment Card Industry requirements refer to a large set of regulations which merchants, payment processors, banks, and other companies involved with payment acceptance are subject to. Your business’s individual *** compliance status was not a factor in the decision to close the account. The erroneous charge was refunded on July 5th.
  
  - Being a customer for Stax Payments for over 2 years with ZERO charge back. What does it tell you about our business model?
  
       Chargeback history was not a factor in the account review.
  
  - You are holding my money, for the services that I am currently providing to my client, with no justification and based on less than transparent risk assessment.
  
       As previously stated, when an account is closed for risk-related reasons, we are required to hold funds in the event a chargeback is submitted during the open window. Once the chargeback window closes, the funds will be released to your bank account. Even if your business has never received a chargeback, we still have to hold funds as receiving one is still possible.
  
  - The large sum of money you are withholding (over $17,000) for 180 days, would incur interest of not less than 5%.  I am requesting this interest on the money you are withholding, unjustifiably.
  
       These funds are not held in an interest-earning deposit account and are not held for profit by Stax. This is simply a pause on these deposits until the chargeback window has closed.
  
  - *** is serving its clients since 2019 and continues to do so.  With all due respect, what guarantees you have that Stax Payments will stay in business for the next 180 days to give me back my money ?.
  
       While we understand this concern, this is a hypothetical situation and not productive to the conversation at hand. Your funds will be released once the 180 day chargeback window has passed with no customer disputes filed.
  

  Customer Answer

  Date: 09/03/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  1- Up to date, I did not receive an official letter/email with the amount  of money that is withheld by Stax payment, and  the amount of refund due to erroneous charges, and the date of release of this fund.  Stax Payment DashBoard does not show any of these funds withheld.  

  2- The discussion that what happens to my fund if Stax Payment cease to exist in the next 6 months is not hypothetical.  Your asked this question of my business .. quote   "   ......Stax could have a potentially serious loss if your business were to experience a sudden and unexpected inability to deliver service......."   by your analyst.

  Why it is ok for you to ask this question and when I asked the same question of your business that this question becomes now hypothetical and not helpful to the discussion ?.  It is a legitimate question and needs an answer.  You are withholding a large sums of money [ $17,025.00  plus $174.97]  and I need a guarantee/assurance

   

  Respectfully,

   ***** *******