North American Bancard - Page 3

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1.6 out of 5, based on 16 ratings and
99 reviews & complaints.

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Fraudulent Practices and Consumer Harassment Case
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ALPHARETTA, GEORGIA -- Merchant #: 8788290280984
Owned a business in 2011 for which I needed a credit-card terminal. I applied through North American Bancard but had to close down the business in few months. I sent their terminal back and closed out the application.
To my surprise, I saw a charge of $895 in my bank account 3 months after the closing of the merchant account.
I immediately closed my bank account but the damage was already done.
I inquired with NA Bancard but was given no proper explanation.
I spoke to numerous agents and they only kept on saying it was for the terminal as per the agreement but there is nothing on the application which mentions about this charge. However, I did see if you do not return the terminal, they are authorized to levy the charge on you but here I had duly returned the equipment.

Somehow, we forgot about the whole mess and 2 years afterwards, another collection agency CFM Group starts giving calls every day harassing that there is another 1100+ dollars due on my account. This was a huge setback as we had not only closed the business but also closed down all the accounts associated with it and there is simply no way, without having the terminal, we would incur these charges.
I think North American Bancard are one of the worst offenders of laws and the regulatory authorities really need to check on their unethical practices. How many consumers it will take to awake these authorities? When in this economy, every dollar counts, how will an average person manage such hassles?

Are there no legal guidelines to stop such harassment?

     
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They Ripped Me Off and Continue to Do So.
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Rating: 1/51

TROY, VIRGINIA -- I was talked into using their service (Phone Swipe) for my credit card transactions by a salesperson who said it was just like Square I was currently using but with a smaller percentage charged. He did not tell me there were hidden monthly charges plus that I had signed up for a 3 year contract. I sent the equipment back but they continue to charge me the monthly fees. I tried to tell them I was not told of the 3 year contract and they said I could cancel it for $280 (I have 2 locations so $560). I am working with my bank to get the charges blocked but they change slightly their transaction numbers so they cannot be blocked (apparently this happens a lot to them and they know their way around it). I was told by Wells Fargo that this is a disreputable way to draft fees but as yet they cannot stop them. I also have been unable to get a copy of the contract I signed on a computer (so I had no hard copy).

     
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Stay Away
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

TROY, MICHIGAN -- STAY AWAY
I sold my practice, and the new buyers didn't want this service. So I initiated closing the account. I was charged 'minimal' fees ($50-60/month) during this transition even while no transaction were being processed and they still additionally charged me an early termination fee of $490 although I had been with them for years.
When you call to discuss your account with customer service, it will take you a minimum of 30 minutes each time! My final straw which led to this review (of which I've only reviewed 2 things in my life) was that on top of the charges mentioned above, there was a 'new' fee of $99 annually that I was charged even though my account had been silent for a few months. I was told initially that they would refund that fee after they received the equipment and $490. Now I'm told I won't be.
GREED-not customer service and doing what is right

     
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Scam, Stay Away - This Is a Ghetto Company, Very Unprofessional
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

Company Response 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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Worst experience EVER!! with a "service" company.
By -

I rue the day the representative from this company walked in my door.

If you sign up with this company (and BTW your locked in for three years which the representative will not tell you) be prepared to spend HOURS on hold with a "service rep" and then bounced over to a "tech" while they attempt to get your terminal to function properly. And no your can't process any payments during this time. The techs are incompetent, and the service reps are exceedingly rude.

When they finally admit that it is their machine not working properly-they will send you a new terminal, but make you send back the old one AT YOUR EXPENSE!!
And don't fall for the trick of-"leave your number and we will call you back" because they will not.

     
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North American Bankcard void of Ethics
By -

I just bought a business from a couple that retired and moved to another country. I called NAB to tell them to discontinue service for them. The business name remained the same but all other aspects were new. I was told that they could not talk to me as I was not authorized(valid). I tracked down the former owners and had them call NAB. The old owners told me that all was settled and account was canceled as soon as I filled out some information that was to be faxed. The paper that was faxed said they would cancel service and for me to just sign and fax back. Very small print at the bottom revealed that the old contract would be canceled and a new contract would begin upon receipt of fax. I did not sign or fax back as there was only a year left in old contract. I called the old owners and they said there was a buyout of $375.00. But when I called(I now had authorization to access the account) I was told a buyout amount of $470.00. I tried several avenues to terminate old contract, each met with a higher buyout amount and the customer service person stating they "couldn't find" the notes about lower buyout amounts. I gave up and figured $30.00 a month for the next year would be the best way to leave it. They just took $129.00 out of my account due to a yearly fee. As the original contract is written I am not sure we can ever get out of the arrangement. I was honest and upfront with the company and each time that information was used to make my amount higher. I found NAB to be very unethical and fear the worst. I did not sign anything with this service but am made to suffer indefinitely. I hate to call to talk to anyone as I fear another penalty amount. I apologize for not giving any details but I think its to safeguard me.

Company Response 3/9/2011:

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 this Merchant Account.

According to your post, this is not actually your account, however it seems the owners gave you their personal information so that you could access it. If you feel that the 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, however, you may want to speak with the owners of the account to go over the merchant account’s pricing schedule. In instances where ownership changes are completed in a correct manner, there are no cancel fees charged to the closing account.

I would like to speak to you about this further. Please have your Merchant Account number ready, and contact me directly at 800-226-2273 x 1314 so that your situation may be properly researched and addressed.

Sincerely,
Rebecca

     
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My Biz Perks Scam
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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.

Company Response 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.

Sincerely,
Diana

     
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Never use this company, or you will lose a lot of money
By -

TROY, MICHIGAN -- This company is worst and most dishonest company I ever used in my business life. the sales person who was Mark A. Zames came in my restaurant and ate a lot of foods and ask to show credit card processing statement. I showed him statement and he told me that he could make lower these fees. Off course, I didn't trust this guy, so I checked a first month statement and found out this company charged 1% more money than my previous company. I had a credit card sales of $60,000 this month, so this company over charged $600 more than my previous company. I told Mark that I would change back to previous company, then he told me he will fix these high rate to low rate. It was mistake. I checked next month statement and I found out this company even charged more than last month. I was really upset and I called this company directly and talk about this high rate fee. The person name Chris was taken care of my account and he told me that he will fix these high rate fee to low rate. I checked next month statement and find out this company even charge more money than lat month, so I tried to cancel this account and found out that he set me up for over $1000 cancellation fee for my account. Usually, cancellation fee for credit card processing fee is $250-$350. I have never seen this high cancellation fee for my lifetime, so I talked with Mark about lower my processing fee again and he charged more and more every months. I tried to save some money for credit card processing fee and lost more than $3000-$4000 for only 4 months using this company. I hope nobody get some stupid ripoff what I got.

     
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Don't Use this Companies Service
By -

The people running this company are thieves.
Their support for merchants is a scam!
Their sales reps are uninformed and come and go faster than used car salesman.
We signed a contract a year ago for 2 locations, after a couple of months one location had to close so we called our sales representative who said he would close the one account and pass the machine at the closed location on to the new business that was moving in. After filling out all the paperwork we left their representative telling us all was finalized.
A few months later we were wondering why we were getting charged so much and found out that the one account had never been closed. After many many emails and conversations we expected a refund for the months the salesman had "forgotten" to send in the paperwork. THIS never and still has not happened.
THEN Yesterday, eight months later, at 9.00am $500.00 was taken out of our bank account. After several talks with various phone reps and many hours on the phone we find out that their sales representative never did transfer or turn in the machine and the company is claiming us responsible for it. Why not they already have our money!
They claim this is on our agreement which we do not question, however they have emails and notes in their computer system that clearly state that the sales representative was given the machine and they even admit that.
So how is it that their sales representative whom they trained to sell their product is not liable and we are? I am sure that given the amount of evidence there is to prove that the sales representative became responsible for the machine any court of law would tell NA Bancard to give us back our money, but they maintain that until they receive the machine they will keep our money!
They probably play this game with everyone and we are offended and shocked. Not to mention that we have bills to pay that we cannot pay them now... they stole our money out of our account!
I have read countless complaints about this company in the last 24hrs and it would seem that we have been scammed, our rates continue to increase, our fees continue to rise and NOW they have jeopardized our very ability to open the doors!
Take some responsibility Corporate cash cow! We owe you nothing, your salesperson owes you a machine and you know it, give us back our money, it is the right and honest thing to do.
A warning to all NEVER NEVER sign up for service from this greedy lying business, your days will be filled with headaches and your pocketbook will be emptied!
- Coconut Cafe (a mom and pop operation in Oregon)

Company Response 12/2/2010:

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. 8788290190*** . We have attempted to contact you and are awaiting a returned call in order to speak to addressed your concerns and correct any errors.

Our records indicate that your Merchant Account has been closed as of August 6, 2010. In regards to the monthly fees and terminal, we can expound on those issues while on the phone.

Please have your Merchant Account number ready, and contact Diana at 248-283-6059 so that your specific situation may be properly researched and addressed.

Sincerely,
Diana

     
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Cancel your account? Expect to waste 2 hours
By -

ROBBINSDALE, MINNESOTA -- Attempted to switch my services to another processor. Called the first time to cancel was sent to voicemail and was told a "senior rep" was going to call me back - 1 week later no phone call.

Called them back again, spent about 10 minutes on hold to talk to the first person - then while on hold heard a message regarding "mybiz perks" and calling to opt out - found out the last year I have been with them I had been automatically enrolled in this program for the low low price of 9.95 a month!

Finally got a representative who asked me what they could to put me on hold to "research my account" for about 5 minutes then told me he couldn't close it and would transfer me to "senior rep" at extension 1400. Extension rang and rang until I got voicemail again. I refused to leave a message and went back to the main menu. This got me to escalations who then did the same process and told me again she had to transfer me to a senior representative I refused and demanded that someone resolve this issue and close the account. I was again told yes sir please hold. Then disconnected.

Called back again, this time about 1 hour and 20 minutes later now currently on hold after explaining to the "customer service rep" that if this couldn't be resolved after this phone call I would contact my bank and have all transactions from NAB refused, forward the matter to my attorney, and report them to the attorney general and the FTC. Currently have been on hold for an additional 19:20. Rep came back on the line and has now informed me that we signed a 3 year contract allegedly. When we signed up the representative said there was no contract. Claim to cancel now is $820.

Matter is being referred to our attorney.

Company Response 11/23/2010:

November 22, 2010

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. 8788290189*** .

Our records indicate that on August 11, you contacted us in regards to deposits and was advised that a Senior Representative at Extension 1400 would be able to assist you. We did not hear anything again until November 8, 2010 in regards to deposits again. Cancellation inquiry was brought up during a call on November 16 and was advised that there was an early termination fee associated with the Merchant Account.

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 Diana at 248-283-6059 so that your specific situation may be properly researched and addressed.

If you have any correspondence from the sales agent advising of different fees, it can be faxed into our Customer Service Department fax at 248-283-6260 for review.

Sincerely,
Diana

     
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