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Worst Customer Service Reps With Bad Attitudes And Love To Rub Small Business Owners
Posted by Advance Care Medical Group on 06/02/2009
When I signed on to credit cards processing contract for North American Bancard in early 2004 as favor for one of my longtime patient, this is beginning of nightmare worse than dealing with worst HMO insurance ever. I contacted their customer service representative in 2005 after 18 months of contract with them to inform them that my company is dissolving. The representative with no apparent manner told me "you have signed on 3 years contracts and it will cost your $1200 early termination fee or you can continue to pay $40 per month for next 18 months which will run you $720 which will be cheaper". I told her this is highway robbery and I need to speak to her supervisor, she put me on hold for over a hour. Another rude person with no education background stated "it ain't my problem and if you're not gonna pay, we'll ruin your personal credit for rest of your living soul" Facing with her blackmails, I unwillingly asked her if I paid her company $40 per month for next 18 months and my contract is terminating. She stated I got her word on it and she'll sent me termination notice for me to fill out in which I quickly completed the form and faxed back to NAB. I called back NAB couple days later and was told by another rude representative that they never receive anything and I told her to wait next to fax while we're talking and I had faxed another copy of termination and she finally claimed that she received it but I must pay $40 per month which will be automatically debited from my checking account. After they collected $720 for not providing any services for 18 months, I noticed they continue to debit $40 per month after 18 months. I called their customer disservice dept, another rude representative claimed that they can continue to charge me $40 per month EVEN after my account is terminated. I quickly close my checking account from my defunct business.

Somehow, these robbers found my checking account from my new business and continue to debit $40 per months. After I found it out several months later and few hundred short in my checking account, I called these NAB people and they told me that my account is terminated and they'll refund my overcharges back. Of course, they never refund any money and when I inquire how can they debit my new checking account without my authorization and they claimed they can debit any account anytime that they wish. I quickly inform my bank to stop paying NAB. NAB immediately sent my account to their collection company which must hire the same rude reps and began to make harassing phone call @ 6AM every morning. These people refused to hear any explanation but threatened that they will "f*** with my credit profile for both business and personal" I tried to called NAB Customer Disservice dept and of course received the same run around with transferring of my call to 6 different rude peoples and finally stated "your account is in collection and there ain't nothing we can tell you about your account and you better paying these collection folks up or we'll sent you to more collection companies to harass you."

After more than $1000 defrauded by NAB, I was checking blog sites for complaints again NAB and I found there are many small business owners like me who have been defrauded by NAB. I guess this must be their business model to defraud many small businesses. If anyone wants to start class action lawsuits to protect innocent small folks like us, please count me in.

Read Company Response
Company Response on 6/5/2009:
June 4, 2009


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

In regards to the cancellation fee, Section 13 contained in the Terms and Conditions clearly states, “Any merchant who terminates this agreement prior to it's termination date is responsible for any and all monthly fees assessed under the Agreement for the remainder of the then existing term of the Agreement, including all minimum monthly fee commitments, which in no case shall be less than $295.00.”

If you feel that your account was incorrectly debited, or your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273, extension 1300 so that your specific situation may be properly researched and addressed.

Should you have any questions regarding this response, please have your Merchant number ready and contact our Customer Service at 800-226-2273 Ext.1300.

Sincerely,

Rebecca Paull
Research Manager
     
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Posted by Soaring Consumer on 2009-06-02:
Contact your state's Office of the Attorney General immediately.

Record any and all communications related to this.
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Deception At Its Best
Posted by Amy_P on 01/24/2009
TROY, MICHIGAN -- 3/16/09 - I just got my mail. I received a notification from my bank that NAB tried to debit my account again for $109 this time. It's a good thing that my account is now closed and any debit attempts from this company will be automatically returned. So much for their desire to eliminate the debt that I supposedly owe them.

3/3/09 - This issue is NOT resolved. They just charged my account $79 and $30 after I received a letter stating that they were not going to charge these fees! Don't believe a word of their lies!!

Edit: This one might have been resolved through the BBB. I received a reply from them that I wanted more clarification on. I contacted them through the BBB on 2/3, but have not heard back from them yet.

Original review:
First, North American Bancard tricked me into opening an account with them using my personal information even though I told them that I did not have all of the information that I needed to open it under my business name and my website was not completed yet.

Now, they are charging me a PCI Compliance fee of $79 which was not listed anywhere in our agreement. When I contacted them to question what this fee was for, they told me that it was a fee from Visa/Mastercard to become compliant with credit card processing. I have not processed a single transaction on this account. When I asked them to waive the fee, they told me that it was mandatory no matter what I do and that it could not be waived on my account. They also told me that I did not have to agree to the charge. Basically, they told me that they can make up any fee whenever they want and debit my account without my authorization.

I placed a stop payment on the transaction and now they are sending my account to collections. This will appear as a negative mark on my personal credit report because they used deceptive practices to convince me to open it under my personal account instead of waiting for me to be protected through my corporation. When I told them that I wanted to cancel my account, they sent me a letter stating that I have to pay a $540 early termination fee to pay for the remainder of our contract. They broke our contract first, not me. Why should I have to pay? If anyone wants to view this contract, which states nothing about a compliance fee, visit: http://www.nabancard.com/terms/terms.pdf
Read Company Response
Company Response on 3/3/2009:
March 3, 2009


Dear Ms. Provost,

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 any inconvenience that you may have experienced.
The intention was to clear the debt owed for your January fees, however due to a timing issue, this was missed.

We will credit the charge incurred, as well as any bank fees, if applicable.

Please contact me at your earliest convenience to rectify this.
My direct number is 800-226-2273 x1314.


Sincerely,

Rebecca Paull
Research Manager
800-226-2273 x. 1314
     
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Posted by purplecat on 2009-02-11:
$79 for PCI compliance is actually a really good deal. Suntrust charges us $150!!
Posted by Amy_P on 2009-02-18:
But when I'm being charged a fee that I never authorized them to take out, it's fraud. The PCI compliance fee was never mentioned in the agreement I have from them. I've worked for Bank of America for 8 1/2 years and used to work in the claims department. I know fraud when I see it and any company charging you a fee that they claim doesn't need your authorization to be valid is just trying to get you to pay to upgrade their systems. Why should my money go to pay for your company to upgrade your systems?
Posted by Amy_P on 2009-03-03:
After entering a complaint with the BBB, I received the following reply from this company:

February 3, 2009

BBB of Detroit & Eastern Michigan
Carla Appleton
30555 Southfield Road, Ste 200
Southfield, MI 48076-7751

Re: ID 7532632 Amy Provost
MID # 08788290135331

Dear Ms. Appleton:

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

Our records indicate that Ms. Amy Provost signed a Merchant Account Agreement Application with North American Bancard on or about July 26, 2008, for a term of 36 months, upon which time she agreed to all the terms and conditions contained within the Agreements.

Section 5 Payment and Fees state, “Merchant agrees to pay and Merchant's account(s) will be charged for the discount, fees, and other charges described in this Agreement. Merchant also agrees to pay and Merchant’s account(s) will be debited for all fees, arbitration fees, fines, penalties, etc. charged by the card associations or network organizations on account of Merchant’s processing hereunder.”

On Page 9 of the Merchant Application under Pricing Schedule, it states all fees that are associated with the Merchant Account. In regards to the fees in questioned, Section 17 of the Agreement clearly states that the agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitations non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either a notice describing amendments to this Agreement or an entirely new agreement, which amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global's notice.

PCI Data Security Standard was created to offer an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data and applies to all service providers and merchants that accept credit cards regardless of size or acceptance method. The $79.00 PCI Compliance Fee was assessed by North American Bancard to mitigate the costs associated with becoming and maintaining compliance, updating terminal software, providing applications with enhanced security, and replacing non-compliant hardware. Ms. Provost can visit our website at www.nabpci.com to find out more and to determine what her company needs to do to ensure compliance. On Ms. Provost's November 2008 merchant statement it was advised that the PCI Compliance fee would be charged on the December 2008 merchant statement and why it was necessary.

In regards to the cancellation fee, Section 13 contained in the Terms and Conditions clearly states, “Any merchant who terminates this agreement prior to it's termination date is responsible for any and all monthly fees assessed under the Agreement for the remainder of the then existing term of the Agreement, including all minimum monthly fee commitments, which in no case shall be less than $295.00.”

As a courtesy, NAB will close the above referenced account and waive the termination fees. We apologize for any confusion or misunderstandings on the part of our sales agent. In addition, the December 2008 statement fees that were stopped have been waived and a collection effort will not be made to recover these funds.

Should Amy Provost have any questions regarding this response, she may contact our Customer Service Department at extension 1300.

Sincerely,

Kimberly Tippin
Director of Customer Contacts

When I just logged into my account today, 3/3/09, I see that they are charging me the $79.00 and $30.00 fees that this letter states that they will not charge me. I was in the process of closing this account and have already changed everything over to my new account, but left the old account opened to make sure that everything was transferred to my new account. Don't believe a word that this company says!
Posted by Amy_P on 2009-03-04:
When I tried to contact the company today, I did speak to someone after holding for about 5 minutes, explained the situation and then she said she would have to put me on hold for about 4 minutes while she looked into this further. She never came back on the phone and after I held for another 20 minutes, I was put into someone else's voicemail! Talk about another horrible experience with this company. I placed stop payments on these items again and they should be returned. If my account was closed on 2/11/09 like the letter I received in the mail stated, why would they debit my account on 3/3/09 for these fees and separate them into 2 fees? Because they are nothing but liars and manipulators.
Posted by Karl on 2012-10-30:
I am in the middle of a big disagreement with North American Bankcard. I had a merchant account with them which is a 3 year contract. I cancelled 6 months. I spoke to one of their salesmen and he told me that if I gave him a reference and got him in touch with the new owner that he would cancel my account without any fees. I did this and he never followed up. He never finished closing the account. The bank continually withdrew funds from my account. They now want $595.00 and are going to take me to collections. This business is over the top corrupt! Don't do business with North American Bancard.
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North American Bankcard ----- Wish I Would Have Know
Posted by Hair Salon Owner on 01/07/2009
ST. CLOUD, MINNESOTA -- At the end of Nov of 08 a sales representative representing Quantum Merchant services by the name of Josh came into my salon offering me credit card processing services at a lower rate to good to be true Right? Well we (meaning the 3 girls that work for me and myself) fell for it being times are tough and everyone wants to save a buck. A buck we did not save. We have been charged fees that we where told would not be charged to us. Every time we contact NBA we get put on hold forever (2hours on one occasion). And nothing ever gets accomplished. All we are ever told is yes we will credit you or you will get a statement credit, yet neither has happened. Recently we where charged a fee of $79.99 for PCI. Well after reading other complaints regrading this PCI fee we should have never been charged the fee. Once again we fight with NBA nothing gets solved. All 4 of us bank at different institutions and have and will be filing fraud charges against NBA for these fees we have been charged and hope to accomplish something. Reading everyones reviews doesn't sound like we will have much luck. We also cancelled our contracts with NBA as of Jan 09 (within 45 days after signing our original contracts which we have never seen copies of). One again after reading other reviews my thoughts are this will not stop them and I will be changing my account. I will also be meeting with an attorney to see what my rights are against NBA and the sales representative that signed me up with this bogus company. I will keep everyone posted and let you know what I will accomplish. I did a little more research on NBA and found there is a class action law suit against them from an attorneys office in NY.

Knowing what I know now. Like the saying goes some things are to good to be true NBA would be one of those. they are NO GOOD.

Also NBA do not respond to this with your canned comments spare me the time. All you do is bs people anyway


To respond to the NCA comment. First of all I did not recieve a statement in Nov because I did not sign up til the end of Nov. Second the statement fee you claim you refunded is not in my account also you said you would credit me for the next 3 months or the min. $25 charge bad thing is I cancelled so where is the rest of the 2 months. Nowhere. Battle over. Spoke to an attorney and taking care of it from there
Read Company Response
Company Response on 1/14/2009:
Dear Stefanie,

North American Bancard works very diligently to resolve all merchant 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 merchants, 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. First and foremost, you requested a credit for your statement fees in December, and that statement credit was approved for you. We also applied three separate courtesy credits for related statement fees to your account, which covered a three-month period.

The PCI Data Security Standard (PCI DSS) originally began as five different programs from the five credit card associations (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 associations aligned their individual policies and issued the Payment Card Industry Data Security Standard (PCI DSS).

In regards to the PCI Compliance Service fee, on the November 2008 merchant statements it was advised that the PCI Compliance Service fee would be charged on the December 2008 merchant statements and why it was necessary. The PCI Data Security Standard was created to offer an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data and applies to all service providers and merchants that accept credit cards regardless of size or acceptance method. The $79.00 PCI Compliance Fee was assessed by North American Bancard to mitigate the costs associated with becoming and maintaining compliance, updating terminal software, providing applications with enhanced security, and replacing non-compliant hardware. Merchants can visit our website at www.nabpci.com to find out more and to determine what their company needs to do to ensure compliance.


In regards to refunding the one time 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/.

Should you have any questions regarding this response, please have your Merchant number ready and contact our Customer Service at 800-226-2273 Ext.1300.

Sincerely,

North American Bancard
     
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Extremely DISSATISFIED SERVICE and CHARGES
Posted by Watchful on 02/25/2005
TROY, MICHIGAN -- I decided to open a new company and added Credit Card services for my customers. This company will sell you a ship compared to other services on the market by starting off with Free Terminal equipment, all the benefits and fees you feel is ideal but they stick you with a 3 year contract and an enormous cancellation fee, and absolute worst customer service. They did not document my problems and claim they did not have any records. I went through telephone training. But when it was time for the real transaction, everytime I had a problem trying to process a credit card, IT NEVER WORKED. I tried to call into the bank and they closed early so you had to use the automated system and it never processed my transactions. I talked to technical support and they never got me working either. I decided to cancel my services 3 months later and they threw up the cancellation fee. I decided to ride out my contract at a low cost monthly, they decided to double my monthly fee after 2 years and debit it from my account without my knowledge or agreement. Everytime I called, there is no management available and they were not flexible about resolving the problem. I am currently seeking assistance to fight against this company. I cancelled their access to debit my account any longer and they are still threating me they will continue to debit, even without my permission even after I submitted in writing 3 times. I WOULD NOT RECOMMEND THIS COMPANY TO MY ENEMY, IT IS NOT WORTH YOUR HEAD-ACHE.

Read Company Response
Company Response on 5/30/2006:
I apologize that this response is delayed; your posting was recently brought to my attention.

At North American Bancard we pride ourselves on providing quality service to our Merchants while also offering one of the most competitive programs in the industry. We have implemented several changes to improve our service in the last year. We sincerely apologize for any technical or service related issues you experienced and would like to take this opportunity to discuss this further with you in order to reach an acceptable resolution.

Please contact me at your earliest convenience to discuss this matter.

Thank you,
Kimberly Tippin
Director of Customer Contacts
North American Bancard
800.226.2273 Ext. 1050
ktippin@nabancard.com
     
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Posted by saarin on 2005-07-22:
I am having similar problems and have contacted a lawyer. If there are more people out there with problems, please let me know at saarin@sbcglobal.net
Posted by Ignatius on 2005-08-16:
We've been dealing with a similar problem with these thieves and would love to find a way to make them accountable. They are impossible to deal with and have absolutely the worst, most unhelpful customer service. Not only does it feel like you're jumping through hoops, but the way they upped the montly fee by $20 is indicative of something more problematic and shady.
Posted by tenmilefarm on 2006-11-23:
I am having similar problems. They have fraudulently claimed that I have a three year contract, when in fact it is only one year. Their cellular hookup is extremely intermittent as well.

If anybody finds a lawyer to start a class action, please let me know.
Posted by gautier on 2006-12-14:
I recently have had terrible customer support from North American Bancard in regards to accepting credit cards. After a year, I had to cancel as they were not providing the service I had paid for and they agreed to provide over the past year. They threatened me with the 3 year fine print contract as well. Attempts to resolve were fruitless. I am currently seeking legal advice. I would advise to be EXTREMELY CAUTIOUS before doing any business with NorthAmerican Bancard with regards to credit card processing and BE SURE to READ ALL THE FINE PRINT on their contracts before signing. Please feel free to contact me for more particulars.
Posted by Blackball tattoo on 2007-06-07:
lawyer. hell yes. let me know. i wrote the other review and still havent got my money yet am bound by a contract. where is our protection
Posted by katydydisme on 2008-10-28:
Yes, we too, I would be interested if anyone can get a lawyer in on this...It is appearing to me in doing a search on the Internet for NAB problems that many have been ripped off by NAB...
My husband started an acct. with these people thru a so called sale rep in early '07 who walked in off the street, big mistake. He sold him on a 1 yr. contract that turned out to be a 3 yr. contract where he thought he would be saving a few dollars a year. So far it's cost several hundred dollars more, duhhh.
This sales rep also didn't tell him or put in the contract he signed about the extra $25 a month fee. I know my husband and he was only doing this to try and save money, the extra $25 a month wasn't going to save him, it would cost him so he would never have signed up with NAB...
Shortly after he talked with them about being ripped off by this and wanted out of this contract, being the time he found out he had a 3 yr. contract instead of a 1 yr. contract , NAB also charged an extra $295 twice on the same day at the same time. So when he asked them what the $295 fees were for they claimed they didn't know. They knew and know, I found out it's a cancellation fee and they charged it twice yet said, oh, we will investigate it and did nothing. He kept calling them trying to get someone to help him and they wouldn't even answer the phone and wouldn't call back on the messages he left them. These people are the worst I've ever heard about or we've ever dealt with and we've been in business a lot of yrs. They are now threatening to charge us personally for another close to $1000 and the business is incorporated.
This has been the biggest mess and he had to close that acct. and open up another acct. to get them off our backs. That is what you will have to do if you want to get rid of them for they will not go willingly.
I hope others will check the Internet before signing up with someone like this for my hubby didn't do that and I would have but he didn't tell me until after he had signed up...
Posted by stylist on 2009-02-12:
I have had similar problems with this company. I was misled by the aggressive sales person & never would have signed a three year contract for anything. My (free equipment) broke down in less than a year. I was told I could buy a new machine for over $500. or phone in my transactions. After phoning them in some were going to another business. I was told I was entering them wrong. Anytime I called & was actually able to get a person it was like starting all over again. They didn't know anything of my previous calls. I don't even know exactly how much money I'm out, & still paying the monthly fees. I would never recommend this company to anyone.
Posted by Global 1 Merchant Customer on 2011-06-09:
To all potential customer of Global 1 Merchant/Ken Einiger, make sure you ask him about all hidden contractual terms i.e. termination fee, # of contract years, and see the contract before you sign anything. Ken is a scammer, he'll not disclose these terms in order to get your business. After you sign, you'll be screwed big time. I am one of his many victims.
Posted by Global_Backstab on 2012-10-10:
I registered with Global after starting my own salon business. Seemed like a good deal - a one year contract and only $10/mo processing fee. Well, somewhere in the fine print, it turned into a three year contract and $30/mo processing -- and their "per transaction percentage" take was too much to deal with. They were milking me dry!! They threatened to "ruin my credit" if I did not pay $325 to opt out of their contract. I refused and they fraudulently tried to access my checking account twice to get the funds from me. I had to cancel my checking account and warn my bank against these bafoons. Bank of America said they already had previous expereinces with these people trying to access their customers' accounts without consent.
STAY AWY FROM NORTH AMERICAN BANCARD SERVICES. They are preditory, frauds who cheat you in the fine print. The fax they send you is unreadable, so you can't even read the fine print! They are crooks and I'm so surprised they are still doing business. Write your state Attorney General's office if you have any problems with these people.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
They Were Scamming Me From the Momentent They First Called.
Posted by Lrolensbrothers on 03/14/2014
TROY, MICHIGAN -- This is a warning to small business owners. DO NOT do business with North American Bankcard. or any of their shelter businesses which include among some names Lease Finance Group Global Payment Future Payment T Future Pay Tech and Bankcard 8600. They are scam artists. They told me they can save me a lot of money if I processed through them. They can do it for 1% no extra fees they told me that you are not locked into a long term contract and if you cancel it will only cost you a minimum fee I was told $99.00. There Rep came to my store and told me one lie after another. I was promised that there was no fee for the credit card machine I would be paying 1% on all of my transactions credit and debit alike + 19 cents per transaction. That added up to less then I was paying sounded good to me. I was promised that there were no hidden fees and rates would not go up as long as I was processing through them. I was very busy that day and had to take care of customers and answer the phones, but I mad time for Randal their Rep He explained that the paperwork I was filling out was just saying I had the use of their machine free of charge and that if I had any problems with it they would send another free of charge up to 2 times. He put zeros in all of the spots on the contract and had me sign and initial then faxed the paperwork off. When I answered the phone at the store, the representative walked out the door with the contract and drove off. Then stopped answering my phone calls. the processing company denied any responsibility for his actions I asked over and over for a copy of the contract told them that I did not want to do business with them and wanted to cancel services. They were not depositing the correct amount of money in my account and the amount they were taking out was much more than I had been paying my original processor. Then another company Lease Finance Group withdrew $124.00. I called North American Bankcard and they said that it not them who I . I had been told by the representative that they didn't charge for the machines use. The paperwork I signed had a 0 in that space. I asked again for a copy of the contract they said I would have to call Lease Finance I called Lease Finance and they said that I sign a non-cancelable contract for 6 years. I told them I did not agree to that. I demanded a copy of the contract and fought with them and North American Bankcard for about 2 weeks finally Lease Finance faxed me 3 pages of their 9 page contract. It said I had 2 weeks from the day I received the machine to cancel in writing but the two weeks were up. They basically told me that it was my fault for getting duped and that I deserved it because I was stupid. I never received the 26 page contract from North American Bank Card. North American Bankcard gave me the run around transferring me from one person to the next, each person contradicted what the last said. They kept telling me that they weren't responsible for what their Rep did. Finally I spoke to a "supervisor" who said that he felt bad about what the representative had done and that they don't condone what he did so he was fired. I told him that I did not trust them and did not want to do business with them. I wanted out of the contract I was tricked into. He told me there was nothing they could do about it. The contract was between Lease Finance and my business. I called lease finance company and told them that I was tricked and I finally filed a complaint with the Better Business Bureau against both companies. In the complaint I said I DO NOT WANT TO DO BUSINESS WITH THIS COMPANY I said to resolve it I want North American Bankcard to pay the $8928.00 cancellation fee that Lease Finance wanted to charge me for the machine that was worth about $200. I got nowhere with either complaint. Lease finance said that it was not their fault that I was Stupid enough to sign the agreement and basically said I deserved to be ripped off but if I could trick someone into taking over my lease I could still get out of it. They are now charging me $133.00 a month for a machine that I do not use. Fast forward to now North American Bankcard drained my bank account making withdrawals under 4 different names in the amounts of $272.90, $46.45 $78.45 $133.61 $152.45 $895.00 $897.00 causing $90 in over drafts in January. It caused my account to be over drawn by $1610.00 and to bounce a check at Lowe's for $174 so there's a fee for that from Lows. out of the $2565.86 that they took. $1792.00 of those were returned for insufficient funds. But hey got $683.89 + the 90 off overdraft fees. so I am was out 773.89. I ended up loosing almost $800.00 in January. Then in February pulled it again causing over $400.00 in losses. and in March almost $500.00 in losses. There are thousands of complaints on different site on the web about this company yet they are still in business. North American Bankcard is sponsored by HSBC Bank USA, National Association, Buffalo, NY and Wells Fargo Bank, N.A., Walnut Creek, CA as its Acquiring Banks.
     
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Posted by Slimjim on 2014-03-14:
I don't know how this outfit hasn't been sued out of business. They are B2B, and this site is littered with horror stories of their antics dating back years. I would think catering to businesses who all have representation and usually better capital than consumers, would have gotten these guys buried years ago. Talk to your attorney.
Posted by Soaring Consumer on 2014-03-15:
Contact your state's office of the attorney general as I believe a federal investigation is warranted for these business practices.
Posted by Christine on 2014-03-15:
I checked on line w Better Business bureau. I can't find anywhere it saying this company is accredited. they aren't but claim that they are and that they have an A rating, they don't they have an F and they don't show the address in Troy MI they show it to be in CaliforniaNorth American Bank Card
(800) 240-9815
P.O. Box 7010, La Verne, CA 91750

BBB® Non-Accredited F Rating
On a scale of A to F
Reason for Rating
BBB Ratings System Overview
I even checked the Troy MI BBB and they don't have any info on this company being in Troy
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Scam, Stay Away - This Is a Ghetto Company, Very Unprofessional
Posted by Msukai on 06/27/2013
NORTH CAROLINA -- We moved and changed banking information, updated the credit card company with all the new details, have our bank write to them with our banking information and it's been three weeks now we have not receive anything from them. They are still collecting the money we processed. Every time we talked to someone, we were told a different amount that we were to receive and surprisely we were still processing but the funds they report to us was getting less and less instead of more. We will have to get a lawyer if our funds are not received by the end of this week. We are definitely changing companies.
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Company Response on 06/27/2013:
We apologize for any misunderstanding that may have occurred while processing the NAB. Unfortunately, we are not able 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 directly at your earliest convenience. I can be reached at 866-485-8999 x 1443. Again, we apologize for any inconvenience and I look forward to speaking to you. Thank you for your time.
     
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Posted by Old Timer on 2013-06-27:
North American Bancard is well known for these types of games. Confuse and delay, maybe we can scam some money during the false and made up confusion. You're dealing with a bad company in pretty much an unregulated industry. They can just about do whatever they want as they write the rules.

People have done pretty well in court against these scammers. Know the terms of your contract and make sure they are the ones that violated them. If you sue them you better have another processor ready in your back pocket.

Most of the smaller processors use the 800 pound gorillas like First Data. Maybe see if you can go direct with one of the big processors? You will lose any close personal relationship you may have with a smaller processor. But, you will probably pay a lower fee and not be prone to getting ripped off as much. It's a crap shoot with any of the processors out there.
Posted by trmn8r on 2013-06-27:
What exactly is a "ghetto company"? One located in Camden NJ?
Posted by KeithG on 2013-08-22:
Please be aware that you can search reviews fro any of the top processors and find numerous negative reviews. The process cards for tens of thousands of customers so there will always be issues, mostly with overzealous reps that over promise and under deliver. Also, be aware that competitors constantly troll these sites to post negative comments. Notice that most negative reviews contain very little detail? Search numerous companies and you find the same complaints.
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NABANCARD Services - DON'T EVER USE THEM!!!
Posted by Tbeyer on 04/02/2013
TROY, MICHIGAN -- I switched from my bank's credit card processing service because the price was higher than what NABANCARD Services had promised me in both verbal and written format. I had all my own equipment so there was not problem with me switching over I was told. However, when I called to have it reprogrammed I was told there was a password on the machine from my old processing company even before we tried to program the machine. When I called my old company I was told there was not password and they should be able to take care of it with no problem. I called back again and informed the person in India of this and was told no, there was a password and they would not even try if I did not have it. So, I was not able to use my machine with NABANCARD at all because it was never programmed.

I do not process a great deal of credit/debit cards in my office but wanted to have the service available for my clients. The amount I was contracted to pay was around $9.00 per month. However, as time went on the payment went higher and higher reaching an amount of $30.65 per month and I had not processed a payment through their system at all. So basically I was paying for the service at over 3.25 times more than what I was contracted for. Plus, they took an additional $100+ out for some sort of Government mandated fee, which of course I was not told about. When I called I was told that I should have been informed of this fee. I found out later my bank had been taking it out month by month and this was why the monthly fee was higher with them. But when I added in the monthly fee plus the one time government mandated fee I was paying more on a yearly basis.

When I called to ask why the service was so high I was told I had not taken a class on credit card processing and that I was being "penalized" for not doing so. The funny thing is, it is not in the contract and I was never informed I was to take this "class". I then canceled my service by faxing in the document sent to me on February 6, 2013. I retained a copy of the fax confirmation after sending it. In March, the $30.65 was charged again to my account. I called to find out why and was told the request had not been received in their office. I informed them I had the confirmation and this was not acceptable to them. I then faxed the scanned copy, actually the original fax again that was electronically stored, to them again. I asked if I would have any further charges from them at all. I was told no, and the account would be closed. I asked for the $30.65 to be refunded to me and I was told they could not do that amount but would refund $25.00 as a "courtesy" to me. I told them it was worth the $5.00 not to have to wait on hold for 35 min.

Lo and behold today I checked my account and there again was the $30.65 charge for April. I called again and also had to wait on hold for 25 min until someone answered. I was now told that they have up to 30 days in which to cancel my account and it had not been 30 days. So, one person tells me one thing and another tells me something else. So, I asked to speak with a supervisor and was told they could not refund me the full $30.65 but that he would be happy to refund me $25.00, again courtesy fee.

If you are looking for a credit/debit card processing company do not, I repeat do not, use these guys. They are a total rip off and will only bleed you dry for fee after fee after fee.
     
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Posted by North American Bancard on 2013-04-03:
First and foremost, I would like to apologize on behalf of North American Bancard for any inconvenience caused. Unfortunately,we are not able 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 directly at your earliest convenience. I can be reached by phone at 866-485-8999 ext 1443. Monday-Friday 9:00am-5:30 pm EST. Again, we apologize for any inconvenience and I look forward to speaking to you. Thank you for your time, Michele Baxter, Senior Research Analyst.
Posted by Lou on 2013-05-29:
With all the negatives out there on this company and based on what they are saying, I would not touch this company. I was somehow talked in to meeting with them (though I actually missed the appointment - what a shame). Based on the story that their phone guy pitched to set up the appointment, I should have just hung up (basically eluded to the idea that we could get a flat rate at a sub 1.5% level which is absurd).
Posted by Not pleased with nab on 2013-06-21:
I was one that rode out my contract but when it came time to send in my terminal my sales agent had switched it out a few years back. Of course he says he no longer has it and the replacement fee is a 300% markup of the equipment. I am stuck and customer service is of no help at all. Don't use this company at all!! Buyer beware!!
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Ultimate Scam Artists... Lies, Lies Lies Beware!!!
Posted by Timseay on 03/05/2013
TROY, MICHIGAN -- I should have trusted my gut from the beginning as the originating sales representative with this company radiated sleaze and fast talking deception. I have asked for his name on several occasions and been told there is know way to trace that back as they are "independent reps". Never ever disclosed the three year contract clause with hundreds and hundreds of $'s in early termination fees. 6 different itemized monthly fees totally over $62.00 a month and that is if you don't use the services. There is even more cost if you do. I was told that my monthly service fee would be "A total" of $9.95. They will float your incoming funds for days before releasing them to you then charge more fees.
Terms of termination on supposedly on page 3 or 4 of a contract that I was never given a copy of, Or at least not a complete copy. What was sent was a 2 page merchant services agreement (with no page numbers) entitled "Terms and Conditions of Merchant Service Agreement. It has numbered items 1 through 11 and the second page isn't numbered at all. Even the representative taking my call today to inquire about terminating lied on his write up that was auto emailed to me saying he had offered me the chance to transfer this account to another merchant which was never mentioned. There is a lot more to this story but that's all I am writing until I have met with my attorney. After scamming me for months now they want $698.60 to say good by to them. Watch out! Once they have your bank account info you don't have a prayer.

Bottom Line is that this company is absolutely horrible to deal with. Just don't do it or you will be sorry!

     
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Posted by Old Timer on 2013-03-06:
I dislike government regulation as much as the next person. In this case the Fed's really do need to look into and start regulating the merchant card industry. They answer to no one and do pretty much what they want. Yet they handle trillion$ of dollars of our money every year. Finding an honest company is tricky but can be done.
Posted by North American Bancard on 2013-03-06:
We apologize for any misunderstanding that may have occurred while processing with NAB. Unfortunately, we are not able to locate your specific account based on your post, however I would like to speak with you 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. Again, we apologize for any inconvenience and I look forward to speaking to you. Thank you for your time. Michele Baxter,Senior Research Analyst.
Posted by Agent with NAB on 2013-03-09:
So sorry to hear about your negative experience. The real issue here as you pointed out is that they are using the independent agent model. I have been with North American Bancard for 4 years and my customers love me and the program I set up for them. My clients are all on month to month agreements which is an option with NAB. North American Bancard does allow a lot of freedom to its independent agents and possibly too much, but I think the important take away is that an independent agent ripped you off not a company. I see NAB already replied to your comment wanting to help you with this situation so I wish you the best and in the future, I encourage you to get 3 or 4 references before choosing an agent with whom to deal.
Posted by North American Bancard on 2013-03-21:
We apologize for any misunderstanding that may have occurred while processing with NAB. Unfortunately, we are not able to locate your specific account based on your post, however I'd like to speak with you further regarding it. Please feel free to contact me at your earliest convenience. I can be reached at 866-485-8999 ext 1443. If I do not answer, please leave a message. Again, we apologize for any inconveniences and I look forward to speaking to you. Thank you. Michele Senior Research Analyst.
Posted by Robert Klein on 2013-07-15:
The fact is this company has scammed hundreds of people and keep scamming people daily. I have worked for North American Bancard for 6 1/2 years. Stay away from them before you get scammed. You been warned.
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PCI Compliance Fees
Posted by Spyrus on 09/17/2012
I have been dealing with this issue for 3 years now, North American fails to inform you in the Merchant Agreement that you sign you will be charged a PCI Compliance fee that is equal to the same amount you pay in monthly fees for their services, the merchant agreement you sign states you must be PCI Compliant, but states nothing about the fee, the agreement gives them the right to charge more or change fees with notice, but it says nothing about this large fee in advance, and THEY know in advance they will charge you this large fee. It is a deceptive practice....my latest letter to them on this issue:

Sirs,

In my questioning of your charging me a PCI compliance fee, which I’ve been questioning since you first started to charge me the fee, your last explanation is one for the record books. Your representative points to a section of your Merchant agreement, but admits the fee isn’t as detailed as it should be, but that detail should have been explained by your agent. But that is the problem, it wasn’t explained in detail by your Merchant agreement, nor was it explained by your agent, and I specifically asked the agent about the fee before I signed your agreement that doesn’t provide any detail about the actual fee, you knew you’d be charging me before I signed that agreement.

You folks can parse as many words as you want, and point to things in your agreement that aren’t specific, but the bottom line is, you’re charging me a fee that is almost equal to the monthly fee I agreed in advance to pay, and you knew you’d charge me that fee before I signed your agreement. Certainly your agreement gives you the right to add fees that I hadn’t agreed too in advance. But to charge me such a large fee without disclosing it in advance is a deceptive practice. If you continue to charge me this fee, I will remember your deception when I find a new provider when this agreement does come to an end.
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Company Response on 10/01/2012:
Unfortunately, we are not able 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 via email response@nabancard.com or by phone 866-485-8999 x1443. If I do not answer please leave a message. Again, we apologize for any inconveniences and I look forward to speaking to you. Thank you for your time. Michele B, Research Ananyst.
     
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Posted by trmn8r on 2012-09-17:
PCI fees are one of the things to be concerned about when shopping for a provider. There is latitude in the amount providers are allowed to charge, and the best thing to do is ask questions up front.

As you state, they have a right to charge the fee.
Posted by spyrus on 2012-09-17:
Granted they have a right to charge the fee, but I did ask up front, and was told I wouldn't be charged the fee, and I did review the agreement, while it detailed PCI compliance being required it made no mention of a fee. My research on the issue at this very site reveled they had been charging the fee since 2008, I signed my agreement in 2010, that omitted that fact. It's a practice of deception, that I'm willing to bet they still omit from the newest version of the Merchant Agreements they offer.

Why not just disclose the fee in advance clearly?
Posted by spyrus on 2012-10-08:
After talking to Michelle @ North American Bancard, they have agreed to waive my compliance fee since i completed the PCI Self Compliance exam.

They have resolved this matter favorably, as far as i'm concerned for now, and I thank Michelle for her assistance in doing so.
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Very Happy with the Service
Posted by Danieltarockoff on 07/02/2012
TROY, MICHIGAN -- North American Bancard has been a pleasure to work with over the past year. They have been extremely knowledgeable and friendly whenever I've called customer service, and I was surprised to find so many negative reviews to be honest. They have made credit card processing a piece of cake for me, and with the cheapest rates I could find as well. All of the charges to my account were transparent and honest, and there were no hidden fees. I look forward to continuing to use their services.
     
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Posted by trmn8r on 2012-07-02:
"I was surprised to find so many negative reviews to be honest."

To be honest, I am surprised to see this glowing review. After reading a slew of complaints against this company, I would never consider using it. I'm glad it's working out for you though, and a person who wrote a similar post on 6/29/12.
Posted by Slimjim on 2012-07-02:
I have to agree with trmn8r. Glad it has worked out for you with them, especially considering the egregious amount of complaints filed on this site. Personally, based on the overwhelming negative reviews, I wouldn't touch them regardless.
Posted by madconsumer on 2012-07-02:
does not matter what other people have written here, it ONLY matters that this poster has had a postive experience.

very helpful review, and voted as such.
Posted by Dell Hell on 2012-07-02:
I agree with the first two comments 100%. The sudden flood of raving reviews about a company with a very tainted reputation all over the Internet is very suspect.
Posted by North American Bancard on 2012-07-20:
danieltarockoff,

Thank you for your positive feedback! We pride ourselves on making the processing experience as seamless as possible for our merchants, so it is great to hear that our services are working out for you.

If you need anything in the future, please do not hesitate to contact Customer Service at 866-485-8999 x1300.

Thank you,
Brandy Laws
Research Analyst
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