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Posted by 2bugular on 12/09/2010
Check your monthly statement carefully. NorthAmerica Bancard is charging $9.95 a month for this "Mybizperks" program. I never signed up for it and I am actually upset about this. I was told today that it would all come off my next billing statement. I was put on hold a long long time before reaching a real person, I am releaved that he said it would be credited back...we'll see. I am thinking hard about getting an attorney. Sounds like a class action suit to me. Also I would think three times before signing up with these people. Can you trust them?
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Posted by Dave on 2011-05-31:
Think real hard before using these people. I found out the hard way that there are a lot better companies than this one. They will put you on hold forever, not return calls and generally screw you over.
Posted by artist mule on 2011-11-12:
More fees and bad service than most.
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North American Bancard, PCI Compliance Trouble, Possible Scam/Fraud/Deceptive Practice
Posted by PCITROUBLE on 01/01/2009

Here is a story I urge anyone considering a merchant account, or have one already, to read. It involves some very strange practices by a credit card processor, North American Bancard. My hope in writing this is to bring light to this issue, since PCI compliance is an unknown to most small merchants. I hope other processors do not follow in the steps of North American Bancard. I'm not sure if what North American Bancard is doing is illegal, but it sure sounds bad and at least has to be considered deceptive.

Sometime in late 2008 I referred a friend of mine to North American Bancard (NAB) for credit card processing. They ran a small grocery store and needed a simple swipe machine. They received their merchant account from NAB and started their business and use of the machine. Sometime in November/December a statement came in the mail with a note saying that there will be a PCI compliance fee of $79.99. I offered to help find out what this PCI compliance was and get them 'compliant'.

I first spoke to NAB in early December, asking what the fee was for. They said it was to get us PCI compliant. They made it sound pretty simple, pay the fee and you are compliant. The fee was $79.99 per year. I inquired if we can get our compliance from someone else, as it sounded pretty strange to begin with. The representative said I could go somewhere else for the service, and if I provided the compliance paperwork they would remove the charge. It's good to do some research before blindly paying a fee, maybe it was cheaper elsewhere? Some research was due.

Asking a few more questions, I found out that the fee was apparently for help from Mcaffee (the virus and security company) for their PCI compliance service.
Doing a bit of research on the internet, I found the the official PCI compliance website, or more properly the "PCI Security Standards Council" at http://www.pcisecuritystandards.org/
You can read a summary about the PCI organization at: https://www.pcisecuritystandards.org/about/index. shtml
It's basically a council formed by the big credit card companies to come up with security standards to help avoid credit card fraud.

Looking at the website initially can be overwhelming, and I think this is what NAB is counting on, the merchant getting 'lost' in all the regulations. Digging more into the site gave a list of approved security vendors, which I might require the help of, to get PCI compliant. They use acronyms for their certified for these folks.. QSAs (Qualified Security Assessors), PA-QSAs (Payment Application Qualified Security Assessors), ASVs (Approved Scanning Vendors). The heart of the regulations appear to be aimed at big retailers or other big businesses which store your credit card number and other information. Although it applies to everybody, there are obviously differences in the regulations (and compliance requirements) between a grocery store running 5 credit cards per day on a terminal machine and a big company like Sears or Amazon, which might collect and store information on thousands of customers per day. These rules appear to be aimed at preventing the major breaches in customer information (and hence fraud) we hear about in the news so often these days.

A call to one of the approved providers got me some helpful information. He asked me a few questions and in the end told me to go to the PCI compliance website, fill out the appropriate self-assesment questionare sign it and that was it. He seemed disappointed when I told him we only had a dial-up terminal, and he explained they mainly deal with big companies who need security advice and scans on their networks and servers. I'm sure he was not happy that I couldn't be a customer of theirs, but he was polite and honest in explaining that I didn't need their service.

I further dug into the PCI compliance website. There I found the 'Self-Assessment Questionnaire'. Reading the requirements again, it states that if you have small volume with only a dial-up terminal, you qualify to fill out the questionnaire and sign it. Sounds good, this is what the security provider told me. We fill out the forms (which stated pretty basic stuff like securing the little paper receipts with the card information on them) signed them and faxed them in to NABs PCI compliance division. This was in early December.

We got a call from NAB in late December stating that the PCI compliance paperwork was incomplete. When asked why, we were given the answer that we needed a 'network scan' from an approved PCI vendor. We explained that we were told by a PCI approved vendor that since we only had a dial-up terminal we didn't require a scan. NAB told us no, that we needed one and if we didn't get one the fee would be charged.

OK, before I continue let me give you some background on the store where this supposed 'scan' has to take place. Its a grocery store about the size of your living room, has two employee/owners, a married couple running the whole thing. The business does not have any computers. The only computer this couple owns is at home, which I estimate is at least 5-8 years old, no internet access (they canceled it a while back when they couldn't figure out how to use the computer). If you have any friends like this you know what I'm talking about, they can't use the mouse properly and it takes them about a minute to find and type out one word. When they do turn it on every 3 months, you get a frantic call asking how they shut it down because you told them that just turning it off was not good... it's START.. on the lower left hand corner.. then SHUT DOWN.

Back to the NAB call.. they told me that I can speak to their compliance provider if I had any questions. OK, good, got their number*, and this turns out to be Mcaffee's PCI compliance division. A call to Mcaffee brings a helpful gentlemen on the phone, I will not use his name on the internet, but will call him M-REP1*. I explained to him the situation and asked about this scan. He knew my situation precisely. He told me that they have been getting a LOT of calls from NAB merchants just like us, and he said that since we only have a dial-up terminal a scan cannot be made. He also told me the exact same thing the PCI compliant representative did (from our initial contact with another PCI verified vendor) on our inquiry several weeks before: To go to the compliance website and fill out the Self-Assessment Questionnaire, sign it and send it to your merchant processor, and that would be all that is required. I said we already did that, thanked him and hung up to call NAB back.

I called NAB back. Spoke to a customer service representative and explained what Mcafee and the original PCI vendor told us.. they put us on hold to ask a supervisor. When they came back they again told us we needed to have a scan done, and that if we didn't get one they would charge us the $79.99 to get it done. I honestly didn't know what to say at that point. What were they going to scan??? No coherent answer was given to this question. After the call I wasn't sure what to do, 2 PCI verified vendors were telling me one thing (one of them being the compnay NAB was supposedly contracting to do these scans) and NAB was telling me something else. Out of desperation I called Mcafee back.

I called Mcafee back and out of sheer luck I got the same person I spoke to before. I explained to him what NAB said and he seemed outright frustrated, he told me again of all the calls they have been getting from NAB customers, I told him I though this was a big scam, he said nothing. He explained again that since there was no network he could not issue me any 'scan' certificates, and reiterated that all I needed was a self signed certification for the dial-up terminal. I told him I knew this, but NAB didn't want to believe me. I asked if he could send me any official statement about this, he graciously agreed and in a short time I got an official written record from Mcafee's PCI certified compliance department explaining that they could not issue me a scan certificate since there was nothing to scan, they also mentioned (again) that for a dial-up terminal all I had to do was fill out and sign the Self-Assessment Questionnaire, which was available free for everyone on the PCI councils website, he even provided a link to it. Reading the PCI compliance website some more, this makes sense, if you have a plain old dial-up terminal the only possible avenue of fraud is the information on the little receipts it prints which the customer has to sign. If you secure these, there is no other avenue of possible fraud (this is mentioned and its security is required in the certification you have to sign). Of course there is the dial-up terminal itself, but this is provided by NAB and you have no real control of the security aspects of this terminal. By the way, the terminal itself IS PCI compliant already.

I have sent this information to NAB and I'm waiting for their response. I don't expect to hear back from NAB any time soon, it doesn't matter at this point, if I get this charge removed or not I will continue to collect information and post my experiences with NAB, hopefully informing other small merchants of this practice. I know from talking to the PCI representative that this is a widespread issue and NAB is trying to collect erroneous fees from their small unsuspecting merchants, the small month and pop shops who usually will not research this issue and will probably just pay the fee. For these merchants I'm not even sure what the supposed PCI service that NAB is charging for is. Since they always seemed to reject the validity of the self-assessment questionnaire that is posted on the councils site. Their $79.99 scan of thin air will accomplish zero for these merchants. Reviewing, filling out and complying with the councils questionnaire is all that is needed.

I'll leave you with one more bit of information, during my Internet searches I came upon a list put out by VISA which is posted on their site, named the "List of PCI DSS Compliant Service Providers". It is a PDF document with PCI compliance status of service providers. The list is available here:
http://usa. visa.com/download/merchants/cisp_list_of_cisp_compliant_service_providers.pdf
And as of the end of December 2008, if you do a search in the document for "North American Bancard" you will see them in the list with a compliance date in YELLOW text, what does this mean? According to Visa this is a service provider with a compliance report that is "... 1-60 days late are noted in yellow ..."
Now ask yourself if you are willing to trust or give business to a company that will provide a scan of something they cannot even describe, for a fee of $79.99, something that no one else is willing or capable of doing, and with which they appear to be late in complying with themselves.

If you are anyone in a position to help, State Attorneys office, credit card company personnel (VISA/MASTERCARD/.DISCOVER/AMEX), business organizations, someone from the PCI council, or just have a story or comment about this please email me at pcitrouble@gmail.com

*NOTE: I have omitted names, or used references to certain people, extensions, and some contact information to protect peoples privacy. If I am contacted by official sources who might help in this matter I will provide more information.

Read Company Response
Company Response on 1/8/2009:
Dear Concerned Friend,
North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.

North American Bancard values the business of all of our merchants and we do not take complaints lightly. In an effort to address your many concerns and provide you with some very pertinent information specific to the PCI compliance mandate, we have compiled the information below for your review. Please keep in mind that your individual concerns regarding your “friend’s account” can only be addressed by making some general assumptions since specific account information and the business name were not provided for accurate research.

There are numerous organizations and groups that cater solely to the Small Business Merchant, such as the National Federation of Independent Business (NFIB), who have taken an active role in informing Small Businesses such as your friend’s on the requirements and importance of being PCI compliant.
The PCI Data Security Standard (PCI DSS) originally began as five different programs from the five credit card schemes (Visa, MasterCard, American Express, Discover, and JCB). Each company’s intentions were roughly similar: to create an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data.

The Payment Card Industry Security Standards Council (PCI SSC) was formed as a neutral body to address conflicts among the credit card schemes in developing a standard. On Dec. 15, 2004 the credit card schemes aligned their individual policies and released the Payment Card Industry Data Security Standard (PCI DSS).
North American Bancard values the business of all of our merchants and we take pride in keeping all of our merchants informed and up to date. We ensure that our company information is easily accessible for our merchants and continue to strive to be an industry leader and innovator in the credit card processing industry. It is because of that that we are taking a proactive role in ensuring all of our merchants meet the PCI compliancy requirements. All entities involved in the collection, processing, and storage of credit card information, regardless of size or affiliation must be compliant. It is an industry mandate imposed on all service providers and merchants that accept credit cards.
We notified our merchants of this mandate and the onetime $79 fee on their November 2008 statement. They were advised that the $79 fee provided them with access to the tools that can help them achieve and maintain compliance. We have also advised our merchants that the fee was not imposed on them from McAfee nor does it cover the cost of software. It is the fee assessed to all of our merchants to mitigate the costs associated with becoming and maintaining compliance, updating terminal software nationwide (including enhanced protocols for protection of cardholder data passed by the Fair and Accurate Credit Transaction Act (FACTA) mandating how card numbers and expiration dates must appear on receipts), providing applications with enhanced security, and replacing non-compliant hardware.
You posed a question in reference to the “differences in regulations” for merchants of different sizes and sales volume. There definitely are differences in what is required for each merchant type, but it is not solely based on their size or sales volume, it also takes into consideration what they use to process (software, telephone, terminal etc.). Although your friends grocery store may seem small in comparison to a big box retailer, such as Sears as you stated, both companies are at risk for security breaches if they are not in compliance. The PCI compliance mandate not only pertains to how you process credit cards, but also how you store and transmit that credit card information. For example, let’s say all of your terminals and/or software are PCI compliant, but you use some sort of offline accounting system or you store all of your cardholder information on a laptop. The laptop is later stolen, relinquishing you of all that cardholder information. You have now encountered a security breach that could have been avoidable, yet you are now potentially at risk for serious fines, penalties, and/or lawsuits. Hopefully your friends would not make this careless mistake, but there are thousands of merchants big and small that have. If there was not a problem this industry wide mandate would not have occurred. There are many merchants big and small who value these services and need them to ensure their business practices are within guidelines and that they are not penalized for actions that they were unaware of. That is only one example, and there are many more that the PCI council can advise you on. Please keep in mind that we do not work for the PCI council, nor are we on their board or have membership in their organization, but we, like our merchants, must be in compliance.
North American Bancard partnered with McAfee, a leader in the security risk management industry, in late 2008 to give our merchants full access to McAfee PCI Compliance Service at no charge. There are only a few steps our merchants need to complete to determine if they are in compliance. Our retail merchants (those that do not process credit card transactions online, with software, and are not considered e-commerce) will need to go to the website www.NABPCI.com and complete the Self Assessment Questionnaire. Upon completion they will need to fax a copy of the completed Questionnaire to our Customer Service department at (248) 283-6260 for validation. Our E-Commerce merchants (those that are processing via the Internet, with software, and/or online) will also need to go the website and complete the Self Assessment Questionnaire in addition to utilizing the Scan Tool. Upon completion of the Scan Tool, the E-Commerce merchants will receive a compliance Certificate if they are in compliance. This certificate is good for 12 months and they will also need to fax it to our Customer Service Department for validation at the number stated above.
Please note that some terminals are capable of processing credit card transactions online (IP) and via dial-up. Merchants with these terminals would be required to complete the Scan Tool regardless of how they process to ensure the device itself is compliant. In regards to your concern pertaining to the “network scan”, without the account number or business name we are unable to identify your friend’s specific account, and therefore have no way of accurately identifying which type of equipment they have or if the information they were provided with was inaccurate.
In conclusion, all merchants, whether small or large, need to be PCI compliant. The payment brands have collectively adopted PCI DSS as the requirements for organizations that process, store or transmit payment cardholder data. The PCI Security Standards Council (PCI SSC) is responsible for managing the security standards while each individual payment brand is responsible for managing and enforcing compliance to these standards. For questions regarding compliance validation requirements and deadlines as well as compliance reporting requirements, please advise your friend to contact North American Bancard’s Customer Service Department at (1800) 226-2273 extension 1300. In regards to refunding the onetime only fee of $79, we will do so if the merchant became compliant prior to our notification in November 2008. For more information regarding the PCI security standards, please refer to their website https://www.pcisecuritystandards.org/.

North American Bancard
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Posted by PCITROUBLE on 2009-01-08:
What a runaround with North American Bancard and their PCI fiasco. Their story has changed several times.. it remains very shady in my opinion, decide for yourself..

-First Call, "the fee is for PCI compliance, when you pay you are compliant"
-Second Call, "We can't accept your paperwork, you don't have a scan"
-Third Call, PCI scan vendor told me they can't give my dialup terminal a scan certificate, NAB "we need a scan certificate anyway"
-Fourth call, after Mcaffee (the contracted PCI scan vendor for North American Bancard confirms in writing that all I need is to fill out the self assessment questionnaire: "OK, but your paperwork needed to be here before DEC 1st or else we need to charge you the $79"

WOW! OK, mind you the notice that we had to pay the $79 was on our November 2008 statement, which had transactions from Nov 29th on it. That’s a Saturday, they couldn't of sent the letter out until at least Monday, which is DEC 1st! And now they tell me I have to pay a bogus fee that is due on the day they actually mail the letter out!

And by the way, they mentioned it was $79 per year, now they say no no its only a one time thing! Wonder if they will be back next Christmas looking for more money? And now looking at their pci site it says $99 per year? What?!?!? another fee I didn't agree to? This gets better by the minute.

What a show you are putting on North American Bancard.

I've got a mailbox full of angry customers with similar issues. Keep emailing me, maybe we can get someone to help.

And again, for all you dial-up only and less then 20,000 transactions per year merchants: most likely you don't need any 'service' all you need to do is fill out and comply with the "PCI self-assessment questionnaire". Don’t take my word for it read some details from the “DSS Self-Assessment Questionnaire” on https://www.pcisecuritystandards.org/

Posted by nobofa on 2009-01-11:
merchant services companies are regulated by state and federal banking and finance dept. You can find those departments on this site: http://www.justlawlinks.com/PRACTICE/ctbanking.htm
Posted by Allstar1 on 2009-01-15:
We are being charged $79 a month by NAB for I-COMP-PGM what ever the heck that is!!!
Posted by clayjen on 2009-01-16:
The whole PCI thing is a scam - you can google PCI compliance and contract your own company to do it for $60 or less. The PCI service that NAB signed us all up for is not the only one out there and one of the most expensive. Also, if you read the website, the fee is annual and will go up to $99 next year.
Posted by man o man on 2010-06-20:
Do the math. 125,000 customers at an extra 79.99 added fee per year. When we signed on, we did not agree to any extra fees, will they just add more?
125,000x80$ = 10 million dollars! say it like Dr Evil from Austin Powers... 10 miillllion dollars
Posted by NoPCI on 2010-11-12:
PCI compliance fees are for the top line revenue of processing companies. There are no benefits to the merchant to be charged a fee. Processors with older infrastructures that need upgrades to keep up with security enhancements do so by charging PCI fees.

We do not. Nor do we charge an annual fee or termination fee. http://merchantservices.cc/nopci
Posted by BarbBlack on 2010-11-15:
Just found the $79.00 PCI compliance fee on my October statement from MerchantWarehouse. I'm a sole proprietorship. Due to the economy, I'm lucky if I receive more than one or two payments via credit card per month. After reviewing the confusingly complex PCI compliance form, I simply cancelled my merchant account and will be telling my customers that I now accept only cash, checks and PayPal, as all the fees and red tape no longer make sense for my small business.
Posted by Capers on 2012-05-04:
April 2012 NABC statement reflects a $99.00 charge for mypci.com. This has now become an annual fee. Will be searching for another merchant card provider starting tomorrow.
Posted by JacktheBear3 on 2013-04-08:
North American Bancard is a very expensive merchant proposition, I have been dealing with them for way too long and can tell you the nice letter on the internet is not how they handle things in person.

They will strong arm you with legal threats if you want to leave them.... the small print, remember.

I recommend anyone and everyone to stay away from them and there endless list of fees they like to create. 2 more months and the legal threats are gone and NAB can kiss this meal ticket goodbye!!

PS: they charge $99.00 for www.mypci.com, go to the website my antivirus software won't even let me on this webpage.... must be a pretty secure minded site LMAO
Posted by whitewave on 2013-11-20:
RUN AWAY from North American Bancard. NAB charges $79 PCI Compliance Fees, then you get to go to a PCI Compliance Company who charged me an additional $59. When you try to ask NAB about it, they send you to the PCI Compliance Company ppl, who don't seem to know anything and they tell you to talk to NAB. So around and around you go...
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AWFUL at Best
Posted by Blackball tattoo on 05/23/2007
MIDLAND, MICHIGAN -- I’m not sure how to put this in words that’s not blatantly slamming the company. But here goes. Recently I processed a Discover transaction for 240 dollars. The transaction after several days was not put into my account. So I call the company to find out where it is. The transaction (after talking to discover) was put into a previous owners account. After being on the phone for near over 4 hours of having North American Bancard and Discover arguing between each other to find out whose fault it was. It was decided It was a processing error on North American Bancards side. The accounts last update and download on the terminal was setup as me as the owner and only account. The wrong information was send to Discover in which the transaction was processed. So the decided to do a reversal that would take 7-10 business days. On the 7th day instead of depositing the money into my account. They took an additional 240 dollars. I call them up and they have no clue what’s going on. They call there processor Global and tell me I should hear the same day or next business day what went wrong. 3 days later and after the 10 return expiration they still don’t know what’s wrong. I’m told my deposit will be made no later then tomorrow. Tomorrow comes and its still not deposited and they still have no clue what’s going on.

To cut it short. North American Bancard is the most incompetent company I have ever dealt with. There customer service is little to none, they have no clue what’s going on and they cannot stand behind there side of the leasing terms. At least at this point they have breached there side of the contract and I am not stuck or obligated to the Heavy fines of breaking the 3 YEAR terms they make you sign.

I also would not wish this company to my worst enemy.
Read Company Response
Company Response on 6/11/2007:
Dear Jonathan Pinfield-Wells:

Your situation and concerns regarding your account have been brought to my attention.

Under normal circumstances when an Ownership Change is completed a new merchant account number is assigned. At the request of the sales agent and/or merchant an exception was made and the original account number was utilized. This exception is unusual and was done to speed the process that generally takes a minimum of 15 business days.

In reviewing the paperwork returned with the request, new American Express and Discover numbers were not supplied to North American Bancard. It was therefore our belief that an ownership change was completed with them as well and that the existing numbers were transferred to the new owner. Therefore, no changes were made in our system on these numbers.

When a Discover transaction was run under the new owner it was determined that the old Discover accounts had not been updated with them as originally believed. Therefore, the funds for those transactions were given to the old owner by Discover. As North American Bancard does not settle Discover or American Express transactions we are limited in our ability to adjust these transaction types after they have been processed and settled. Discover was unable to transfer the sales in question to the new owners account and therefore significant work was required in order to resolve this situation.

This issue was resolved completely on June 1, 2007.

Since our inception in 1992, we continue to provide unparalleled merchant account processing services for each and every customer. In dedicating ourselves to providing quality services, we continue to scan the digital horizon in able to offer state-of-the-art merchant account processing equipment, competitive rates, and superior, personalized service that will help you better serve your customers. Our responsiveness, integrity, and commitment to quality services have propelled us to the top of the merchant account processing industry.

We apologize for any misunderstanding and do not anticipate any future issues related to this.

Kimberly Tippin
Director of Customer Contacts
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Posted by Blackball tattoo on 2007-06-04:
now its been settles for OVER 2 weeks. today they just took the 240 out yet again. at this point its just plain incompetancy.
Posted by Blackball tattoo on 2007-06-07:
company refunded the money t the card holders and didnt rerun it to my account. the old account in which the money was wrongfully deposited is now closed. Waiting onther 5 days to see whats happening
Posted by Blackball tattoo on 2007-06-11:
UPDATE. after talking to discover and looking over the transactions. Here is the long story cut short.

a discover transaction was ran and debited to the previous powners account due to incorrect updates made on the account. (north american bancard processed the transacton on the wrong account info?

Before the transaction was fixed they updated the account information they had.

COrrecting the transaction they used the wrong account information. Debiting from the wrong account. Messing up twice.

SO discovers kind enough to try and fix this for me. We will see how co operative North American Bancard is. At this point its been almost 2 months since the original transaction date.
Posted by Blackball tattoo on 2007-06-15:
ACTUALLY it is JUNE 15th and the money has not stil been recieved.

The first issue was when the account change was done with your company you did not update the discover number when the download was done on the machine. That was your first mistake.

The second mistake was done when a reversal was done. the wrong account information was used to process it and i still do nto have the money,.

As you can see from the companys response even they have no clue what is going on within there own company.
Posted by Witchy Susie on 2008-06-06:
My partner and I have had North America Bancard Merchant service for well over a year now, they have always been so swift, nice , and correct . I would dare to say that
we will keep them forever or as long as they stay in business. Rock on folks....
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Deceptive sales practices supported by company
Posted by Geoffhazel on 08/06/2007
SEATTLE, WASHINGTON -- I am just now finding out how horrible these people are.

I tried to cancel my acct as I have been getting charged a $25.00 "min fee" every month that I was not told about.
And they said "Oh, you have a 36 month agreement,didn't you read that?" So they faxed it to me and sure enough on page 4 it was there. But I was never told about that. And when I went back to my original application, it was only pages 1 and 2!! It mentions pages 3,4,5, 6 but I had never received them.

And we told the sales person we run few very high tickets, like 15,000 for furniture. Fine he says. And then they gave us a 900 high ticket. And my application was changed to $900.00 high ticket after we had signed it.

So I called them and told them the application had been altered, and I had never received the other fine print pages, and wanted to cancel with no fees. I sent them our original application. I sent them the email from the sales rep with the application file in .pdf that was only two pages long. The girl said she'd look into it with her manager and get back to me.

And when she got back to me she said "I don't know if you received pages 3-6 or not,but you signed the form on page2 indicating you accepted the terms on those pages, so you are bound by them. Period. And as far as the form being altered, they said they'd go ahead and honor it as I submitted it, with a $10,000 high ticket limit. They don't know who or why it was altered, but they were prepared to "undo" the alteration, so there was no getting out of the contract.

When I probed into who John Tucker was, the sales rep, they washed their hands and said he was an independent sales rep, don't know how this could have happened, we'll look into it, but meanwhile you signed it, and you're stuck with it.

The only possible relief they offered me was they offered to price match someone else's rates. If I could find a place that offered, say a high discount rate on transactions but no monthly fees, they'd match it. So I might be able to do that and effectively cancel my agreement by letting it just run out (providing I remember to cancel exactly when I need to 3 years from now, otherwise it auto-renews!!).

I'm not happy and ready to do battle with them. They had this John Tucker working for them, altering contracts, leaving out pages, and snaring people left and right and then sticking them with high monthly minimums and 36 month contracts. If it's not actually illegal, it's certainly deceptive and dishonest and the fact that they'd go along with it indicates to me that they really have no problem with these sales tactics.
Read Company Response
Company Response on 8/13/2007:
August 13, 2007

Seattle, WA

RE: Merchant Account # 0087882900XXXXX

Dear Geoff Hazel:

In response to the above-referenced merchant complaint letter, I am providing the following information. We would like to take the opportunity to resolve this issue without further delay.

A Merchant Account Agreement Application with North American Bancard was signed on or about April 13, 2007, for a term of 36 months, upon which time all terms and conditions contained within the agreement were agreed to.

In regards to the Merchant Account Agreement Application: The Agreement provided to North American Bancard indicated a $900.00 High Ticket, $25.00 Monthly Minimum Discount Fee and 3-year term.

After being notified of your concerns related to these topics North American Bancard requested and received additional documents from you. Those documents included the original Merchant Agreement showing a varying High Ticket and email correspondence between yourself and your sales agent indicating the Terms and Conditions were not supplied. North American Bancard sincerely apologizes for this incident and has taken the appropriate action as it relates to the outside independent sales agent that you worked with.

While the $25.00 Monthly Minimum Discount Fee is listed on the original Merchant Agreement supplied by you, as a good will gesture this fee has been removed from your account and a refund has been submitted for those months when your account was assessed this fee.

At this time our Underwriting Department is unable to raise the accounts High Ticket to your requested amount without May-July 2007 Business banking statements being provided. Should these documents be provided we will review your account for a possible increase.

At this time, should you wish to terminate your agreement with North American Bancard you may do so without penalty by sending your request in writing to my attention.


Kimberly Tippin
Director of Customer Contacts
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Posted by grandma005 on 2007-08-07:
The name John Tucker would of tipped me off right away.
Posted by Blackball tattoo on 2007-10-02:
I understand where you are. Honestly someone needs to start a class action lawsuit against them. They keep hitting hidden charges to alot of people. Right now i pay my % on each transaction. Im stuck with the 40/50 a month lease on the machine, plus i get charges an extra 50 or so for on top of the processing. i wish i could get out of my lease. I just hope peopel keep readign these posts. Its an evil cmopany lol.
Posted by geoffhazel on 2007-11-17:
I entered this complaint originally, and I believe as a result of the my3cents.com posting, the company responded and let me cancel with no fees, and even refunded the fees they had collected over what I had been promised. I got everything I asked for. I didn't get a warm fuzzy feeling that they were going to stop their sales practices but at least they responded to my complaints for relief.
Posted by jktshff1 on 2007-11-17:
Thank you for coming back and letting us know
Posted by Anonymous on 2007-11-17:
geoffhazel, that's great news and I glad it worked out for you.
Posted by clayjen on 2009-01-16:
How the heck do the rest of us get refunds? I just got a form letter and I had the exact same complaint, many of us did. I posted here and on the bbb site. So far they are ingnoring me by sending form letters that don't even address my complaint. They are liars - they know perfectly well the sales reps are not discosing that fee, otherwise why would so many of them be doing it? Sales reps that loose customers would soon be out of jobs, I find it suspicious that over 40 people from all over the country had the same lie told to them.
Posted by geoffhazel on 2009-02-05:
We found that first off, you need to cancel the bank account that they have on file. Our bank was very understanding at getting this done when we told them a firm was making unauthorized withdrawls.
Second, write them a letter and tell them you dispute their charges, you want a full refund, you believe they are tolerating liars for marketers, and you want them to adhere to the terms of their original deal. You want out and you want out now, with no penalties. Once they refund your money, you'll be glad to return their equipment.

The key is closing your account. Once they can't get any more money out of you, they'll be inclined to listen to you.

Posted by clayjen on 2009-03-02:
I finally got a refund by going through the BBB that they are a member of. I had to refuse their "offer" which was just a form letter saying I agreed to the fees, after which they cancelled my contract and refunded the PCI fees but not the other fees. At least I'm out of the 3 year contract at $30 a month!
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Internet SCAMS Reach a New Depth: North American Bancard
Posted by JC Birmingham on 07/19/2007
BIRMINGHAM, MICHIGAN -- To list the misrepresentations made by North American BANCARD et al, would take too much of your time to read and I suspect most of you who read this have experienced, or will experience the same costly problems with NAB as we have.

If NAB has your bank account information, I would consider CLOSING YOUR ACCOUNT and opening a new account as they may use your account number for a "free-for-all" (for them) at some later date as they did with our company.

We thought we were finished with these ill advised and morally challenged individuals known as NAB collectively, over a year ago- we were just happy to be done with them and their corrupt practices- we even considered swallowing the loss associated with NAB as no one has that many hours to make the same calls over and over and hear a different lie each time. Surprise! Over a year later, we discovered that they "out of the blue" debited our commercial account for nearly $1,800.00- guess "they", including Ms. Kim Tippin (an individual of many different titles depending on who she is speaking with or writing to at a given moment), thought we wouldn't notice the theft of our funds.

In retrospect, rather than paying the ill-placed funds to NAB at the onset, I wish we would have just went on the Internet and played Internet poker. At least once the money was lost, we would have been done.

I am going to write them a seven day demand letter today. Past experience dictates they will not properly respond- We will file a law suit against North American Bancard as well as it's "principals and employees" individually as co-defendants.

Although I have searched the Net for "praises" or even satisfied customers / victims of North American Bancard, I have not been able to find one. If there is a satisfied customer out there, I would appreciate hearing from you as well.
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Company Response on 8/14/2007:
At North American Bancard we pride ourselves on providing quality service to our Merchants. Our contract specifies a three-year term and breaks down all fees associated with the contract and how they are applied. This includes, but is not limited to, the Discount rate paid, Monthly Minimum and Statement charges as well as early termination fees.

Based on the information contained in this post we were unable to determine the Merchant Account in question in order to specifically address this case. However, it is our belief that it may relate to a collections effort on delinquent accounts that have violated parts, if not all of the Merchant Agreement. If the account in question was incorrectly debited we would need specific information in order to properly address the concerns or correct any errors. If an error was made we sincerely apologize for any oversight and any inconvenience you may have suffered.

Please contact our Merchant Awareness department at 1-866-476-0797 so that your specific situation may be properly research and addressed. Please have your Merchant Account number ready.

Since our inception in 1992, we continue to provide unparalleled merchant account processing services for each and every customer. In dedicating ourselves to providing quality services, we continue to scan the digital horizon in order to offer state-of-the-art merchant account processing equipment, competitive rates, and superior, personalized service. Our responsiveness, integrity, and commitment to quality services have propelled us to the top of the merchant account processing industry.

Thank you,

Director of Risk Management
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Posted by Sail27 on 2007-07-19:
If they debited your account for $1,800.00 - and if it is within 60 days of this happening - you have the right to dispute the transaction with your financial institution.

Best of luck
Posted by Amber @ FAME on 2011-03-31:
I just got hit by them too! THIS COMPANY NEEDS TO CLOSE! Representives are condisending and rude, they just keep taking money out of my account... everytime I think I'm done with their cancellation fee's a new and improved amount comes out of my account! WILL THIS EVER END OR AM I DESTINED TO PAY THIS COMPANY WHATEVER THEY SEE FIT FOR EVER??? Keep me posted on class action law suits! Amber - Famedance03@aol.com
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My Biz Perks Scam
Posted by Beezer22 on 02/18/2011
ANACORTES, WASHINGTON -- I just happened to look closely at my last North American Bancard statement and discovered that I was being billed 9.95 for My Bizperks program. I then looked through my past statements and found that I had been being billed since 8/31/2010 totaling 59.70. I spoke to a representative who said that I would have been advised that I had 60 days to cancel prior to the billing starting. I found a paragraph on the 5/31/2010 statement that "announces" the My Biz Perks and advises going to www.MYBIZPERKS.com to start enjoying the benefits! I strongly made my point that I had not solicited nor agreed to this program. She put me on hold to consult a supervisor and came back with a courtesy offer of 29.85 refund. I told her that they were fraudulent stealing from me and she asked if I was refusing the refund. Of course I said no I would take the partial theft refund and see who I could report them to and find another credit card processing company.
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Company Response on 2/23/2011:
February 23, 2011

Dear Merchant,

NAB works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.

First and foremost I would like to apologize for any unsatisfactory service that you have received in conjunction with your Merchant Account No. 8788290048*** .

Our records indicate that on February 17, 2011, you contacted us in regards to My Biz Perks program and you were advised that all of our merchants were advised via their merchant statement that there was a 60 day free trial period and that if not opted out, you would be automatically enrolled. On this call, you were opted out of the My Biz Perks program. As a courtesy, a three month credit in the amount of $29.85 was submitted to be reflected on your next month's statement.

Please contact me directly at 248-283-6059 so that we can speak in more detail, and to ensure all your concerns are properly researched and addressed.

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Posted by Skye on 2011-02-18:
I guess you do not read your monthly bank statemtents. That's something you should do immediately, to avoid situations like this. This is a good reminder to for those who also do not read their bank statements. You should always know where your money is going.

How were you signed up for this biz perks thing?
Posted by trmn8r on 2011-02-18:
I believe there is a 2 month period in which you are liable for charges that you were made aware of (through the statements). They gave you a 3-month refund, which I think is generous. This shows why it is important to at least glance at your monthly statements.
Posted by beezer22 on 2011-03-04:
I agree that it is my responsibility to read my bank statement. They charged me for 6 months before I noticed it. I never authorized it in the first place and in looking back at old statements was never advised that it would simply be "sold" to me unawares. I am changing to a different provider.
Posted by RedDog on 2011-11-08:
The exact same thing happened to me. The person that does my books sees the statement, I rarely do. I recently started doing my books and noticed this charge. It is a scam, slip in some bogus charges and if you dont notice them you bought it. I called NAB to ask about it and told them that this charge was not approved by me at any time, I also insisted that they refund ALL of the charges and they offered the 3 months if I would "work with them". I am changing over to Square Up and I hope that every Small Business does the same, driving NAB out of business. I smell Class Action Lawsuit...
Posted by Lynn on 2012-03-06:
I too was scammed by this company. I have been paying for a mybizperks membership since last Sept. (something I was not even aware of) and now when I try to log in or activate it, it has not record of my merchant number or email. So I have paid for this for 5 months for what?? NABC, of which mybizperks is a part is a horrible company. If you are a merchant stay far away. They are crooks, you don't even get paid for the charges you accept. I will go along with a lawsuit. They only have a 1 rating with the BBB and they don't care.
Posted by Maria Bro on 2012-09-25:
I just went through this - I had a little trouble with Square (withholding money) so I decided to try another merchant account.

I signed up with NABC and a couple weeks later, read the email they sent me. Buried deep in it was mention that they enrolled me in My Biz Perks, something I know nothing about, and that I would be CHARGED for it monthly.

I am so angry, that I'm closing my account and going to find another merchant account.

Posted by zack on 2012-10-04:
This company is a crook " NABC" try to stay a way from this merchant service they send you application
you sign but they charge you other way.don't blieve
even their application and sales raps. Because you
CAN'T reach the same person a gain to proof, what you signed. the first 3, 4 months they are good with you, then they start adding fees on your account even themselves can,t explain, what those charges are. every month another charge. and I'm clothing my account with them. they are BIG "B.S"
Posted by Heather on 2013-09-08:
SAME THING happened to me!!!!!!
I will admit I was foolish to not pay attention to my money being taken out of my statements aswell, but I remember when I called them two years ago concerned because I wan no longer receiving paper statements, the lady on the phone walked me through the steps of creating a user name so I could log online and view my statements for absolutely FFREE!!! She said that! My other option was to pay for statements to come in the mail, and I'm lazy and cheep, so I confirmed more than once that it was free because I didn't want to go through the painful ten minutes of logging online and creating another account and username I have to remember lol anyway, I've been being charged 9.99 a month for mybizperksgold for two years now. Again my own fault for not realizing it in my statements so I didn't demand any sort of reading because I didn't want to continue being a customer. When the rep heard me say that he said "I don't think you realize how great being a my biz perk gold member is, if your machine breaks, we replace it for absolutely no charge" the machine isn't even my machine, Its the owner of the salons machine, we just use a terminal on it!! I've been paying insurance for a machine that if it breaks down wouldn't be my responsibility to even replace!! The guy said nothing. Then after I asked him about the other miscellaneous fee's they stumble over words to excuse their fraud. In July I got a "mypci.com fee" $25.00 I got a fee for them deciding to throw a website on my fee line and charged me for it! They are SCAM SCAM SCAM SCAM SCAM ARTISTS!!!!!! The guy said he would refund me for 60days if I continued to be a customer I said you've been stealing my money for two years you've had enough, I'm closing my account, going with square, you will never see another dime of my money and the guy said well I can send you a cancellation fo rm to sign and fax back but it takes up to 30 days to process. I said okay. knowing that he just basically gave them an excuse to try and charge my account again within thirty days, I cut them off at the source... the bank. I closed my account so they could have no access to my money and I would suggest anyone else to do the same thing, because my friend who went through the same thing as I didn't close her bank account and they charged her again so she disputed it and got a refund, but they will take and take and take your money until you cut them off.
Posted by Heather on 2013-09-08:
Also I would LOVE to know about any class action lawsuit that goes against them in the future! Because they deserve it!!!!
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Credit Card Processor Ripoff
Posted by Turps on 04/08/2008
BASSETT, NEBRASKA -- I was contacted by a representative of North American Bancard to review my current situation with my processor. After reviewing my current statements, I was told that they could reduce my overall costs and that all I had to do was complete a new merchant application with them and have them reconfigure my existing terminal. The representative "Priscillia" promised me the moon and, as I find out later, did not have the authority to make the promises that she made.

I read the agreement, signed it and then faxed it back to the number provided. That's where this nightmare begins (December 13, 2007).

To this date (April 8, 2008)North American Bancard has been unwilling or unable to reconfigure my existing terminal. I called numerous times attempting to get my sales representative....the one time that I did get her on the phone she was rude and could not help me at all....said that she'd have someone contact me.

When I call in, no one can answer simple question and no member of management exists (evidently). At first I just wanted to get everything up and running, but then (after being talked to like a dog and getting the run around) I decided that I just wanted to cancel my services.......lo and behold they said that it would costs me $1, 260 to cancel!!! Yes, you read that right.......

They were supposed to be saving me money, but they can't even run a simple transaction for me.....they haven't reconfigured my machine but they charge me $30.00 each month.....$25.00 of that is a monthly minimum processing fee....how many transactions do you think I can run if they don't even have my terminal online???.

I have tried to get this resolved and am ready to take this a step further. They have nothing but my faxed signature and my banking information.

Do not walk away from this company......RUN
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Company Response on 5/6/2008:
May 6, 2008

Dear Merchant,

North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.

Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If you're having Technical issue, or need help updating your terminal, please contact our Technical Support Department at 800-226-2273 extension 1200.

NAB would like to apologize for any unsatisfactory service related issues you have experienced and would like to take the opportunity to discuss this matter further. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273 extension 1300, or fax my office directly at 248.283.6204, so that your specific situation may be properly researched and addressed.

Kimberly Tippin
Director of Customer Contacts
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Posted by TeePop2002 on 2008-06-17:
I am so sorry this happened to you, I see and hear so many stories like yours. I am a credit card processor and this business is very dirty. There is a cost to running credit cards true enough… but and this is a big BUTT look for a company and SALES AGENT “ISO” that has a proven track record, for instance the sales agent that sold you ask for references from accounts THEY sold not just what’s on record for the company that will process you because these sales agents can do there own thing and by that I mean they can lie and mislead, it isn't policed enough!! I would offer you this solution, look for a local representative in your area with a good track record, also check the law for your state and see if there has been a law passed yet in your state that protects the merchant from outrageous closure fees, (Arkansas was changed in 07 to a $50.00 cap to cancel your account) and by reading your letter I see you haven't processed as of yet then I do believe that nullifies any contract of any sort. By default they did not fullfill their end of the agreement. Get an attorney, or change your bank account, and by every means possible file complaints with every state agency. SHUT THIS ISO/Sales Agent DOWN…….Call your Attorney General for your state, they will point you in the right direction......I find these types of ISO agents repulsive. Again I offer my apologies.

Little Rock AR
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Never Got a Copy and NABC charges More Than It Promise
Posted by Thangng on 12/12/2012
North American Bancard advertise:

- No contract
- No cancellation fee
- 0.50% for Visa, Master, Discover debit cards
- 0.50% for Visa, Master, Discover credit cards
- No mid qual
- No non qual
- 0.08 cent transaction fee
- $5/monthly service fee
New program begins from Jan./2012.
Satisfaction guaranteed.

Base on what NABC advertised above. In late August, 2012, I called the representative and he showed up next day. He asked me sign the paper in order to keep the rate and will give a copy of what I signed when he come back to install the credit card terminal. Yes, the terminal installed, but he never give a copy. In the first 2 months I called this agent so many times to ask for a copy, he never picked up my calls, and I even Left him a lot of messages. So I had to call his company, the representative who I talked with, I asked "why is your representative the one who I first talked and signed paper with never answered my calls and never gave me a copy" this guy said apology to me for that and he said he is going to mail me a copy. By the way I asked him if in the future some point I don't like this service any more, can I cancel? He yes I can cancel, but I have to pay for the early termination fee because he said I signed the contract for 3 years. So disappointed! I never knew that. This time was in late Oct. or early Nov., 2012, until now 12/11/2012 I haven't got a copy that the representative asked me to sign in order to keep the rate, not a contract.
Nov., 2012 statement. Deposit totals $2297.75. It charged me $70.45. Couple days after I got another Nov., 2012 statement total charge is $116.90 from $2297.75 total deposits.
I called the agent, who I first dealt with, in days at the end he picked up my phone and told me scan the statement and email him then he will explain it, after that I kept calling him again and again he never answered my calls. So tired, so disappointed, and so headache.

Don't do business with this North American Bancard.
I will tell every single friend of mine about how bad of NABC service and on Facebook or everything I can reach out to people.
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Posted by At Your Service on 2012-12-12:
If, in fact, he tells you that your contract states there is an early termination fee prior to three years, ask politely for a copy of said contract. I'd place the request in a documented form of writing. If they can't produce this said agreement, signed by you, then there is no way for them to enforce it. If they can, then you have your signed contract.

For what it's worth, if the terms you've listed are actual, you've got one heck of a deal and deserve to enforce it. I'd be surprised as I've never seen anyone get that low of rate.

Please keep us posted.
Posted by North American Bancard on 2012-12-12:
We apologize for any misunderstanding that may have occurred while processing with NAB. Unfortunately, we are unable to locate your specific account based on your post, however I'd love to speak with you further regarding it. Please feel free to contact me at your earliest convenience. I can be reached by phone at 866-485-8999 ext. 1443. If I do not answer please leave a message and I will return the call. Again, we apologize for any inconvenience and I look forward to speaking to you. Thank you for your time, M. Baxter Research Analyst.
Posted by thangng on 2012-12-14:
Please let me know how to attach the ad from NABC then I can scan and put up here.
Posted by DebtorBasher on 2012-12-14:
Probably the best way would be to scan the ad and save it in one of your photo programs as a gif or jpeg...Then click on 'edit' your review and you should be able to attach it...IF you don't have the option to do so on your 'edit'...send it to the admin as an attachment and they will be able to post it on your review...

admin@my3cents.com and tell them it's for review #915836.
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I have to disagree with the Negativity Surrounding This Company
Posted by Htotten on 07/22/2009
MISSISSIPPI -- As a developer of software and also a customer of NAB, we have found it to be a please working with these people.

We have worked with several card processing companies since our inception in 1997 and have found that NAB has the most reliable service of any of the major card processors.

As with most of these types of companies, NAB has its share of "bad apple" marketing reps. I have read just about every complaint on this site and see the same type of complaints I see about every other processor out there.

I feel sorry for the small businesses who feel that they got "ripped off". As a small business owner myself, I hate having to deal with representatives that don't know their own line of business. In the card processing arena, only about 20% of the sales agents actually know and understand the business, and can easily explain what goes on from day to day.

Most of these sales agents are self employed people that only care about commission and not the customer.

You can't blame everything on the "home office". I would estimate that 90% of problems revolve around sales agents that don't care enough about the customers to totally explain everything.

Our representative here in Mississippi takes personal care of us. You can't beat that kind of service. I am sure that these types of sales reps are rare. If more sales agents would take their job and their customers seriously, we would see a lot less of these types of complaints.
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Company Response on 10/19/2009:
htotten, Thanks for the compliment. We appreciate the time you have taken to post the above comments. Thanks again!
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Posted by Anonymous on 2009-07-22:
This just proves that you are one of the customers that they haven't tried to screw.
Posted by Anonymous on 2009-07-22:
JTF, excellent answer.
Posted by htotten on 2009-07-22:
No...what you have just proven is that you don't understand how sales works. If you run a business that employs sales agents that are self-employed, there is very little you can do to control what they say in the field.

The whole idea then is to try as best as possible to correct the situation. If you can't rectify the situation....then you end up with whiners like yourselves who fail to READ THE FULL CONTRACT.
Posted by madconsumer on 2009-07-22:
great review. glad to see not everyone is expecting everyone else is out to get them!!
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Proceed At Your Own Risk
Posted by Bostitch on 04/03/2009
I signed up with NAB for a credit card terminal for my small business a couple of years ago. With the assistance of their "agent" I tried for over 4 months to install the terminal in my office and get it to work with my phone system, but for whatever reason, it did not work. I requested a 2nd unit, which NAB promptly delivered. After many more attempts, interfacing with their tech support department and my agent, still no connection. During this time, I could not make any charges with the terminal but I was still paying the minimum monthly fees.

Still wanting to make it work, I continued to bother my agent to help me with the installation or to do something with NAB to get them to either send me a working machine or to find some solution so that I could make credit card transactions. Shortly after that point (not necessarily NAB's fault), my agent stopped returning my calls and emails and stopped dealing with me, probably because he was also utterly frustrated.

What followed was several calls to NAB during which I explained the situation, asked if they would stop debiting my account until I could get the terminal situation worked out and asked for help on what to do. Each time they told me that they could not stop the debiting and said that only my agent could stop the charges. Of course, he was gone and out of the picture. By this point, including the start up costs, I was $500 in the hole, and not able to even make a single credit card charge.

Out of complete and utter frustration with the situation, I notified NAB in writing that I wanted to terminate the contract with them because I was getting nothing from them and despite all of my attempts to work with them and their agent, the machine simply did not work in my office. I even followed up my letter with a phone call and spoke to someone to make sure that they received the letter and was advised they had received it, that my contract would be canceled and that the monthly debits would stop.


Begin CHAPTER 2 Of my odyssey with NAB.

A month later, I received a letter from NAB informing me that because I canceled my contract, they were calling me in breach and they were going to charge me for all of the payments they were due on the balance of the contract (3 years) and that they would schedule an auto debit from my account of a little over $1,000 to cover the costs. I checked my online bank account and noticed that they did in fact take out the $1000. This auto debiting thing is something that I had never had much experience with and did not realize how lethal it can be and how powerless you are to challenge it. But NAB makes you agree to this in order to get their services.
Needless to say I was furious.

To make matters worse, the letter was sent out 3 weeks after it was dated. This conveniently allowed NAB to grab the money from my account before notifying me that they were going to do it - just in case I decided to close the account or otherwise outmaneuver them. And it worked because my bank told me that they couldn't even help me and that it was between me and NAB and I had to get NAB to stop the auto debiting....or close my account, but even this would not guarantee anything because the bank was obligated to honor the auto debit (since I agreed) and that I may still have to pay even if the account is closed.

Of course, I was furious over this whole thing. I got on the phone immediately and started the process of trying to get to the bottom of why they took my money. I was told that it was because I breached the contract and that the fine print legally entitles them to do that. I explained my situation: that I had no working terminal for 5 months, made so many calls I lost track, that nobody from NAB gave me any help or offered any solutions to get my machine up and running, and that their agent bailed on me. In short I was told that all of this was my problem and that their contract assumes that I would have a working phone line? Huh? I was talking to the NAB agent from the same business phone.

Yes, I did terminate the contract, but it was justifiable and with good reason. IN all of my discussions with NAB reps before I terminated, not one person ever hinted at what a disaster it would be for me to terminate or gave me a clue that they were going to make a run on my bank account to grab everything they thought they were due. No alternate arrangements were suggested, no attempts were made to help me or to work out the situation to get my continued business.

Even when I tried to go back and reinstate the agreement and try to work something out that would allow me to get my money back and just ride out the balance of the contract and see if I could try to get the terminal working or just ride out the contract and pay as I go and see what happens, but NAB told me that they could not reinstate or return my money and that all I could do was to SIGN ANOTHER CONTRACT? I wondered if I was talking to another human being??

At that point, I was also told that I had to send back the terminal or else I would owe another $850. This was confirmed in writing. After accepting my plight and resigning myself to the fact that I was screwed, I just decided to give in and take the whole thing as a lesson and I made immediate arrangements to send back the machine (which I did by certified mail and with USPS insurance). I later called to make sure that they received the machine and that everything was ok and concluded on their end. I was told they had received it and that everything was fine and that my account was paid.

END OF STORY? Not quite.


Realizing that my bank account was not safe from NAB, I closed my account and opened up another one. Sure enough, several months later, I received a notice from my bank informing me that they refused a automatic withdrawal from my account for a $79 "compliance fee." I called NAB and told them that I was not going to pay the fee and that I no longer had an open account with them. I was surprised to hear the agent tell me that it was an error of some kind and that they would not debit my account.

Several months later, I received another notice from my bank, this time informing me that NAB was trying to withdraw $850 from my closed account. Again, I called NAB and asked them what was going on...etc. I was told that the $850 was to cover the cost of the terminal. I explained that I returned the terminal as requested and had proof of delivery and that I did not owe them any money. Again, the agent told me that it appeared that they had received the terminal and that everything was OK.



Months later, I started to receive letters, followed by phone calls from a collection agency, claiming that I owed NAB $850. I explained that my account with NAB was closed, that I did not owe and money and that there must be some kind of mistake. By this point it was becoming a sick joke and I felt like I had entered the Twilight Zone. After several months and several collection agents, my account apparently moved up to the head honcho who deals with the "refusal to pay" types, such as myself. This guy was able to explain to me that I owed $850 for the terminal. I explained to him that I sent it back to NAB and I even faxed him proof.

Several days later he called me back and acknowledged that NAB received the terminal, but that I still owed NAB $850 because all of the fine print in their contract says that it was being given to me for free, etc. etc. but that if I breached the contract I would have to buy it. I explained that he was completely wrong, that NAB demanded the terminal back in writing (or else they were going to hit my account again) and that I sent it back. "Too bad" he said, the terminal is not useful to them anymore because it was specifically coded for your office so you still owe the money. "Then send it back to me and I will pay for it and sell it on EBAY," I said. No can do, he told me. The terminal was probably already reconditioned and given to someone else. What? I thought it was coded for me? Was he making this stuff up as he went along?

I called NAB to talk about this and try and figure out if any of this was true, hoping somehow that they had made some internal error (again). The agent told me that my account was forwarded to a collection agency and that I had to deal with them and there was nothing else they could do for me.

Then I called back the collection agent and I dug in my heels and told him that he was wasting his time because I was not going to pay. Then he proceeded to try to negotiate with me and told me that he could settle it out for $295. I told him that I thought this was extortion and there was no way I was paying them anything.

He proceeded to tell me that it was my right to refuse but that I needed to understand that:

1. They would start by reporting me to all of the credit agencies and this would effect my credit score, of course.

2. NAB would file a lawsuit against me in Fulton County Georgia (which is in the contract) and I would have to travel there to deal with it.

3. That the Court in Fulton County "triple books" the docket and that there was a good chance that my case would not even be heard on the day of the hearing and that I would have have to come back for another hearing.

4. That if I wanted to challenge NAB I would have to go and personally appear in court in Fulton County, pay my own airfare and lodging, of course.

5. That I could hire a lawyer, but that would probably cost more than what they were willing to settle for, so it did not make sense to fight this on principle because I could save money by just settling.

6. That if I did not show up in court or have a lawyer appear, they would seek a default judgment against me, with all collection costs and attorneys fees, which would be a lot more than they were willing to settle for.

AND IN SHORT, that he understood that I was probably getting screwed but that it did not matter because the only thing that really made financial sense was to settle with them and not waste any more time and money on the case.


It seemed obvious to me that this collection agent had gone over this whole thing many many times with other "debtors" and he had it down to an art.

AND ALL THE WHILE, he practically laughed and smirked his way through the whole conversation, like it was some kind of joke to him.

IN THE END, I decided that it only made economic sense for me to settle the case, and so I made a counter-offer and settled for about 1/2 of the $295 he was demanding just to get them off my back and out of my life.

I STILL CANT BELIEVE THAT ALL OF THIS HAPPENED TO ME AND THAT I WAS BROUGHT TO MY KNEES AND HAD TO PAY THIS COLLECTION COMPANY MONEY THAT I DID NOT OWE. Sure, I could have challenged them, but at what cost and after how many more hours and time out of my life?

The moral of the story is that you should PROCEED AT YOUR OWN RISK with this company. Things may work out well for you if you don't step out of line and you are able to continue to fund NAB's money machine. Otherwise, if you need help or customer service, or find yourself in any kind of a situation that does not fit their expectations under the contract, you may be in for the ride of your life. The one thing that definitely saved me money was CLOSING MY BANK ACCOUNT. If I had not done that, NAB would have grabbed the full $850.

Maybe I am wasting more of my time by writing this review. Maybe I am wrong and NAB was right. We will never know. I am sure that their customer service representative will post some type of a follow up to this explaining how I was wrong. Personally, I don't think I was. Would have been nice to have some "human" intervention in this whole thing and someone who really cared and tried to understand my situation and help me so that I could get things set up and do business with my customers and with NAB. Maybe that takes too much time.

So you be the judge. JUST PROCEED AT YOUR OWN RISK.
Read Company Response
Company Response on 4/7/2009:
April 6, 2009

Dear Merchant,

North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.

First and foremost, NAB would like to apologize for what sounds like an unusual and extreme unsatisfactory experience that has occurred.

Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If your account was incorrectly debited, or you believe your fees have been inadequately advised, then we would need specific Merchant Account information in order to properly address the concerns or correct any errors.

Should you have any questions regarding this response, please have your Merchant number ready and contact me directly at 800-226-2273 Ext.1050, so that your specific situation may be properly researched and addressed.


Kimberly Tippin
Director of Consumer Contacts
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Posted by Soaring Consumer on 2009-04-03:
Contact your state's Office of the Attorney General.

They don't deserve any money especially since they never provided service and that they forced you to pay for nothing and illegitimate debts on top of that. I am outraged about this.

You were in the right, and they were in the wrong, and it has been that way the whole time. The Office of the Attorney General will do its best to help you.

Voted helpful.
Posted by Slimjim on 2009-04-03:
You should actually contact the AG office of the state they are headquartered in as well. The jurisdiction is much stringer and it may be one of many complaints funneled there, prompting hopefully some government action. BTW, your bank wasn't much help.
Posted by Sandi on 2011-11-09:
I filed a complaint with the bbb,the ftc, both state attorney generals. The bbb contacted me wanting 20 pages or less since I sent almost 200.
The ftc needs to hear from you. Maybe with enough complaints they will start an investigation!
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