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[Resolved!] One Of The Most Crooked And Deceptive Companies I've Ever Had To Work With
Posted by on
BOULDER, COLORADO -- EDIT: Well, as it turns out, my3cents really saved the day! They forwarded my review to NABC and within 48 hours they had contacted me about finally closing my account (letter is posted at the end of this review) and even refunded the $79 fee.

So while it was a pain in the you know what, the rep that helped at the end took care of everything.


ORIGINAL REVIEW:

Our small business (restaurant) signed up with NABC a few years ago with what seemed to be a good deal - good rates and good service from a company affiliated with a large and trusted bank like HSBC.

Turns out that it's not good prices, and the service is only good as long as you're doing what your representative wants you to do.

We switched to a local Colorado company a couple years after our contract with NABC had expired because they offered us a better deal, detailed invoices, straight forward prices and actual customer service. Oh yes, I forgot to mention that it takes a decryptor to read NABC statements because they are so convoluted - I assume that it's so hard working business owners don't have the time to figure out that they're being ripped off.

After the switch, everything was fine for a few months, that is, until the original sales representative found out that we had cancelled - I guess news travels slow at NABC.

Then came the threats, the intimidation, the wire fraud and the fake charges.

Call #1:
The first call we get from the representative is him asking us why we switched and I explained that we got a better deal and also wanted to deal locally, he told us that he would beat what ever deal we got and pay the contract cancel fee if we came back. I also explained that we liked the detailed invoices and how easy it was to understand the pricing, and also that we had onsite service because we went local.

Here comes the first threat: he tells us that we owe him hundreds of dollars for a cancellation fee, I reminded him that our contract was years expired but that I would look over his offer and get back to him.

I guess I took too long because a week later I got another phone call and another threat:

He says that the machine that we're using belongs to NABC and we'd have to pay $1000 and he'd automatically take it from our account (for a $400 machine) - in fact he gave it to us - but fair enough, we agree to send the machine back since our current company offered to give us one for free.

I guess what he meant by "send the machine back or I'll take money from your account" was actually "I have the power to take money from your account and I will" because a couple weeks after the machine was returned we found a random charge for $79 from NABC.

We called him and asked him what the charge was for and he made it very clear that he doesn't let his accounts die, and that he would be randomly charging us unless and until we decided to return to NABC - he justified it by saying it was a standard yearly fee although we've never received one before and our account was canceled in May of 2008.

To add to the list, we had our current representative contact the NABC representative to work out the cancellation details, and the NABC representative simply said “you’re an idiot” to my representative and then hung up the phone.

This saga is not over yet, and I will update this as it progresses, but as of now the threats and intimidation have not stopped and we’re currently getting all our paperwork together to give to our lawyer so that all of this can be documented and so we can stop dealing with the old rep.
Company Response 1/9/2009:
Dear Merchant:

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 you signed a Merchant Account Agreement Application with North American Bancard on or about November 10, 2003, for a term of 36 months, upon which time you agreed to all the terms and conditions contained within the Agreements.

In regards to the Payment Card Industry (PCI) Data Security Standard fee that was assessed in the month of December, compliance with Payment Card Industry Data Security Standards, it is required by all card brands including Visa, MasterCard, AMEX and Discover and is required of all merchant types regardless of how transactions are processes. All merchants that accept credit cards must validate PCI compliance at least annually. All North American Bancard merchants were made aware of this fee on their November Statement.

In regards to cancellation of the Agreement, Section 13 contained in the Terms and Conditions 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….” Our records do not indicate that a signed request to close the account has been received by North American Bancard. We apologize if this request was submitted to the sales agent and not routed appropriately. A cancellation form as been sent, please complete the form and return it to the indicated fax number for proper handling.

Upon receipt of the cancellation request form a refund in the amount of $79.00 for the PCI Compliance Fee assessed will be issued via ACH deposit.

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

Sincerely,



Kimberly Tippin
Director of Customer Contacts
     
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Criminal Activity
Posted by on
CALIFORNIA -- I signed up my company, Raincloud Panaderia, inc. with these criminals in January 2007. Like everyone else, their salesman lied to me and promised me great things. When he brought me the agreement to sign (only the first two pages, with the pricing) I pointed out that the rates in the pricing section were not the rates he quoted me. He called his boss who then supposedly transferred him to the "vice president of sales" who agreed to give me pricing of $.10 + 1.79% for credit transactions and $0.00 + 1.39% for debit. He wrote it on my contract. Good, I thought. Then I drew his attention to the "other fees" section that had listed no less than 21 B.S. fees. I had him cross out all but 5 fees (like chargeback fees, retrieval fees, etc., that I thout were legit. OK. I signed it, he signed it. Later I find out that there are 4 more pages of fine print that are faxed to me and mostly illegible.

Their ads promised 24 hour technical support. Guess what? Their technical support staff shuts down at like 10pm Eastern time, and I'm transferred to their settlement bank who doesn't answer technical questions. When I complain that this is false advertising, I get a response from [snip] (probably a pseudonym because one person wouldn't have time in their lifetime to answer so many complaints) that they never made a claim to provide 24 hour technical support. Guess what, [snip]: I made copies of your web pages before your company changed them, that says you DO offer "24/7 tech support."

Anyway, it took these inept imbeciles almost two months to get my terminal working. Actually, it was my gift card vendor who changed the terminal configuration so that NAB's software would work on my Verifone terminal. Lost time, lost business, lost money.

OK, we're finally operational. Statement comes. Guess what? their not charging me the pricing they put in my contract! When I write to complain, [snip] sends back a sanctimonious letter stating that debit transactions were never considered under my contract. She even sends me a copy of my contract that has the debit transaction fees obliterated by white-out, it's such a sloppy job that it's not even funny. Guess what [snip]: I MADE A COPY THE CONTRACT WHEN I SIGNED IT!!! Before you crooks had an opportunity to alter it!

In May of 2007, my sales representative comes into my business and says they are losing money on my account and they have to raise my fees. I say too bad, you signed the contract, and you're not even giving me the rates you contracted for. Next month, they start charging me a $10.00 per month "statement fee." I complain, and [snip] responded that "my sales volume is lower than the volume stated in my contract." Guess what [snip]: I MADE A COPY OF THE CONTRACT WHEN I SIGNED IT, and I never made a statement regarding my sales volume. [snip] sent me a copy of my "contract", and guess what? They had input some bogus sales volume numbers. Isn't it AGAINST THE LAW to alter a contract after it has been signed?

The contract states that if NAB is in breach, then I can cancel the contract in 30 days if they don't rectify the breach. [snip] says that my notice of their breach and my intention to exercise my rights pursuant to the clause of the contract, was, in fact a request for NAB to terminate my account immediately. They did terminate my account immediately. This cost me time, cost me lost sales, cost me money.

I hope to meet them soon in the courtroom.

********UPDATE*******10/10/08*******
Received the company response - no surprises there. NAB's rep is pointing me to pages 6 and 9 --- OF A 5 PAGE CONTRACT!!! Sorry, NAB, but the rates you quoted me are on page 5 of the contract I signed, the only difference is that they are actually written on the copy I made when I signed it, and they are WHITED OUT on your copy!

Yes, the contract says you have the contractual rate(sic) to change charges when necessary. The problem is, you changed them based on information YOU ADDED TO MY CONTRACT AFTER I SIGNED IT. You cannot legally unilaterally add material terms to a contract after it has been signed.

Yes, I had my own terminal and gift card program. This was a precondition to me even engaging in talks to you. It is why your sales rep supposedly called your tech support department to verify that it would be NO PROBLEM before I even considered your pathetic service.


Company Response 10/9/2008:
October 9, 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.

In regards to the fees that have been questioned, in the response to you dated August 10, 2008, it referred you to the Pricing Schedule located on page six of the Merchant Agreement where it clearly lists all the fees that may apply to your account. Page nine also lists the rates that will apply to every transaction run through your terminal.

Credit card processing is a competitive industry; therefore, NAB does offer the option of a rate quote match. An official rate quote can be submitted on a competitor’s letterhead by any other credit card processing company to NAB by mail or fax.

As also stated on that correspondence, the investigation found that you previously owned the terminal, not supplied by North American Bancard, had low memory and was experiencing difficultly due to the outside gift card program being utilized. This program is not offered nor supported by North American Bancard and therefore NAB cannot be held accountable for issues caused by or related to this outside software.

You may also need to refer to Merchant Agreement Section 17 clearly indicates North American Bancard has the contractual rate to make necessary adjustments to the fee schedule wit notification which you acknowledge receipt of.

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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Liars And Thieves, Worst Company To Ever Deal With!
Posted by on
A salesman came into my office about 3 months ago telling me how NAB has competitive rates and they will beat anyone’s price. He asked me if I would show him a statement from a company I dealt with before and he showed me how I was being overcharged and how NAB rates are lower. I just started my business and I was looking for opportunities to save money. I was still skeptical and I decided not to call him back, but he showed up again and in front of customers and started complaining how he got all the paperwork ready and I never called him back. I asked him multiple times about the rates and I specifically asked him about any hidden fees.

He promised me that I will never be charged for anything other than the things he showed me on some piece of paper. He never told me that my monthly charge would be $25, that I will pay 10 cents for every transaction on top of 1.59 qualified, and fees for every time I batch out. Their fees for phone orders are much higher than any other companies. Not only that, but I am also working with a broken machine because of fear of sending it in and getting charged another ridiculous amount by these people.

My terminal tipped and fell about 4 inches off of a table and every time it gets turned on I get a security message and the terminal freezes. I have to turn off the terminal completely for about an hour before I can turn it on again. When I turn it on I have to keep my fingers crossed and touch it gently because one wrong move and the terminal freezes again. The situation gets more complicated because as soon as the terminal is reset I have to change the date, because it is set in 2016 and all of the cards read expired. I haven't been using debit for 2 months now. Customer service said that if they see any damage on it they will charge me. There is no damage to the terminal at all but after reading all the complaints on the internet I was afraid of sending it in.

When I opened a new bank account and asked to update information on their end, they couldn't fax me the form because the salesman messed one number up in my fax number. So first they have to send me a sheet which I have to fill out and change my fax number and send it back to them to evaluate. I have never gotten the form.

When I called to cancel the first time, customer service rep told me I was one day late and I would have to pay a cancellation fee. When he told me the amount I was very surprised because the sales rep told me that there is no cancellation fee.

The charges are twice as much as RBS lynk that I used before and NAB has done nothing to acknowledge that or help me with any issue.

I have only asked them to fix my machine, to get rid of charges I never agreed to and to at least match what I used to pay.

It has come to the point where I am seeking legal advice, and my uncle has offered to help. He has a lot of experience and he is a lawyer for Bank of America. I have a lot of attorneys in my family and I am willing to spend as much time and money as possible in order for NAB to get what is coming to them. I have spoken to two other merchants in my area who also use NAB. Every store and place I go to I always remind the owner to stay away from NAB at all costs.

I am willing to get in touch with other people who have been victims of this scam.
Company Response 6/27/2008:
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.

In regards to the fees that have been questioned, your individual Agreement will clearly list on page nine of the terms and conditions all the fees that may apply to your account. Page nine also lists the rates that will apply to every transaction run through your terminal.

In regards to your equipment, if you are part of the Free Equipment Program, then there would be a charge for misuse of the equipment (which would include dropping the terminal), however we would be more than happy to help you obtain another piece of working equipment. For more information regarding the fees associated with damage equipment, please see your Free Equipment Program Agreement.

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 information in order to properly address your concerns or correct any errors.

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 so that your specific situation may be properly researched and addressed.

Sincerely,
Kimberly Tippin
Director of Customer Contacts
     
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User Replies:
Suusan B. on 2008-06-05:
What the sales person told you doesn't mean a hoot - - what are the terms and fees disclosed to you in the contract or agreement you signed? If you are being charged what was contained in the document you signed then you don't have a legal leg do stand on.
NedimK on 2008-06-07:
It isn't like the "fine print" thing, because I have read all of that. I was not shown all of the "agreement". Parts of it were never showed to me.
Ponie on 2008-06-07:
Now whose fault is it that 'Parts of it were never showed(sic) to me?' You're a business man and you sign a contract without reading it? I won't even sign a charge at WalMart for $1.57 without reading it first!
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Credit Card Processor Ripoff
Posted by on
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
Company Response 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.


Sincerely,
Kimberly Tippin
Director of Customer Contacts
     
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User Replies:
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 their 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 fulfill 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.

Teena
Little Rock AR
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I can't believe companies can get away with this
Posted by on
PENNSYLVANIA -- Sorry to all affected by this company, but I am glad to hear that I am not the only one who has gone through hell with these guys.

Much of my ordeal is similar to what others have experienced...
First, I signed up with them through one of these phantom sales people. Initially, there were some fees that were negotiated to be eliminated from the agreement, but I was charged anyway. I let it go.
About a year into the contract, I was obligated to switch to another card processor. I own a franchise and excellent rates were worked out with a new company, in addition to a new gift card program that had to be processed through this new company.

When I called to explain, I was told by the same salesman that I could get out clean for a half price fee, which I agreed to. I sent the check, per his instructions. Months went by and I was being charged a $30 minimum fee every month.

When I finally called NA Bancard, they told me that no such termination was submitted to them. Like others have posted, I was told that they have no idea who Ray Moon (the salesman)was.

I don't know who these sales people are that are authorized to sell and make decisions on NA Bancard's product, but they obviously have no accountability. Shouldn't NA Bancard be responsible for what is being sold on their behalf?

Anyway, here is where it gets bad....

I called customer service to cancel my account, hoping that they would accept the $150 agreed upon, but expecting to pay the $300. Instead, I was told that they would charge me over $700!! That doesn't even include the equipment that would have to be returned.

I looked at my contract, that I still have the original of becaouse it was processed via fax.
It states that my terms were for 2 (two) years. They told me that their record say three years. I assumed things would get worked out eventually...a real company can't just change the wording in a signed contract, right?
I requested a copy of what they had on file, and received it in the mail. Sure enough it was three years. I was told that my only options were to pay the $700, or just eat the monthly $30 fee for another year and a half until the term was up.

I spent a small bank fee to stop payment on the $30 debit. I was hoping it would force them to actually look into my situation. Instead, they proceeded to use a different coding to get around the stop payment and took nearly $700 from my bank account, calling it the cost of closing the account.

I called again and faxed to them the obvious discrepency in the altered contract. They told me that they couldn't read the print on the fax.
They basically called me a liar as I sat there staring at the two different contracts.

A while later, they threatened to charge me more if I didn't return their equipment, so I did. The UPS driver they sent only had authoriztion to pick up one package, so he took the terminal. I still had the pinpad. They threatened to take another $25 from my account if I didn't return that too. I told them that it was their mistake that UPS didn't take them both the first time. I would return it, but not at my own expense. They agreed, but it took them two full weeks and three phone calls to send UPS. By then, they had already taken the $25 out of my bank account.

I am currently in the process of at least trying to get the $25 back. I was told by a manager that it would take 2-3 days. That was 9 days ago. I just talked to him yesterday, and he told me to call back "tomorrow." I just called back again, and he is not in the office today.

I'm glad I wrote this, but I am getting really irritated after reading through it. I'm going to go now, thanks.

Company Response 1/31/2008:
Dear Merchant,

In response to the recently posted merchant complaint I am providing the following information. We would like to take the opportunity to resolve this issue without further delay.

Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. Based on the information that was provided it is our belief that these issues may relate to a collections effort on a delinquent account that has violated parts, if not all, of the Merchant Agreement. If your account was incorrectly debited we would need specific information in order to properly address the concerns or correct any errors.

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 Merchant Awareness Department at 1-866-476-0797 so that your specific situation may be properly researched and addressed.


Sincerely,

Kimberly Tippin
Director of Customer Contacts
     
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User Replies:
tnchuck100 on 2008-01-25:
First, if you have a contract that states 2 years then fight! Second, 18 months at $30 is $540. That's less than the $700 they are dinging you for. Third, why didn't you close the bank account they were hitting?

Take your contract and sue them!
lobo65 on 2008-01-25:
Amen to that.
jktshff1 on 2008-01-25:
Yea, but get you're stuff together before ya do.
mmoore on 2008-02-01:
First, did I write something that made seem like I wasn't pursuing legal action? I can't find anything.
Second, and thanks for caring enough to bust out the calculator, but obviously I estimated numbers for the purposes of the posting. If someone really wants exact figures for some reason, I assure you that I have my "stuff together" enough to post them.
Third, if you are seriously asking why I didn't close my bank account?!, here are a few reasons:
1)the dozen or so automatic payments that are generated from the account every month 2)the big stack of preprinted laser checks that I've already paid for 3)the daily transactions related to the merchant processor.

I wish it were that easy
*Brenda* on 2008-02-01:
Wow, you're rude.
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AWFUL at Best
Posted by on
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 set up as me as the owner and only account. The wrong information was sent 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.
Company Response 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.


Sincerely,
Kimberly Tippin
Director of Customer Contacts
     
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User Replies:
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.
Blackball tattoo on 2007-06-07:
company refunded the money t the card holders and didn't rerun it to my account. the old account in which the money was wrongfully deposited is now closed. Waiting onther 5 days to see what's happening
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 run 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 to 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.
Blackball tattoo on 2007-06-15:
ACTUALLY it is JUNE 15th and the money has not stil been received.

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 not have the money,.

As you can see from the companys response even they have no clue what is going on within their own company.
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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StarEmpty StarEmpty StarEmpty StarEmpty Star
They Ripped Me Off and Continue to Do So.
Posted by on
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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Soaring Consumer on 2014-05-17:
The only way you could stop them unfortunately would be to shut down the bank account and set up a new one.
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Stay Away
Posted by on
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
Posted by on
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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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.
trmn8r on 2013-06-27:
What exactly is a "ghetto company"? One located in Camden NJ?
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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Worst experience EVER!! with a "service" company.
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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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Alain on 2012-01-08:
You might want to make an official complaint with your states/provinces consumer protection office. This may not have any immediate effect for you, but at least it may get the company's attention eventually. Meantime, thanks for spreading the word to alert your fellow consumers!
Rebecca Paull on 2012-01-12:
fredfon,
We apologize for any inconvenience that you may have experienced with an agent of NAB and while getting your account set up with us.
Most times we do a swap, we send a UPS call tag, and if it is our equipment we will swap for free especially if it is a terminal issue.
I'd be interested in speaking to you further so I can locate your account and get some more information.
Please email me at rpaull@nabancard.com at your earliest convenience.
Looking forward to hearing from you soon.
Thanks,
Rebecca
scammedbynabc on 2012-03-06:
AGREED! I fell into their trap of leave your number and we will call you back last year and sat on hold for hours today. It was my worst customer service experience too. Unbelievable. Fortunately I forced the salesman to put in a one year addendum to the contract, would not sign until he did. I cannot wait to get out from under this fraudulent company. Steer clear of them.
BTW, I never got paid for the charges I accepted last year, never got training on the equipment, did not realize that even though you are paying for wireless and the charges are approved, they are submitted unless you do something else. That was never explained, so I never got paid and lost the merchandise. NABC doesn't really care, because they are getting their money from the merchant. Crooks, crooks. crooks. They would be wise to stop outsourcing the sales people or to at least take responsibility for what the salespeople do.
Sharon on 2012-03-07:
I agree!!! This company has cost my small business more money than ANY other!!!! I wish I had kept my original CC company. Sales people kept a bunch of secrets. Now I'm locked in. High fees, and I didn't realize that I had to LEASE a machine....I already had one! :( We got screwed! I will warn ALL businesses in my area to do no business with these people!!!
jika on 2012-04-01:
hey, I just had around with these people to, it is best if all small business owners are aware of these scam artists. they are a bunch of money maggots without a conscience out to steal all they can. so far they have been very successful. and don't worry I will warn eveone I can
Past customer of NABC on 2012-06-20:
They are crooks and thieves. I followed all their directions to close my account. I thought things were settled and 60 days later they go ahead and draft more money for not doing a thing. My bank advised me to close my account or they'd likely keep drafting. Go with anbody but NABC.
Jesse Larriva L.A. California on 2012-07-23:
Wow, I'm very sorry to hear that most of you didn't get the proper service you deserve. I work for North American BanCard as a Sales Agent. I always disclose "Early Termination Fee" and the 3 year contract. What you people fail to realize is the 3 year term is for your protection and the company. Bottom line your representative misrepresented himself and the company. I have several companies that I have signed up and not one of them can complain about service. Will things go wrong??? Yes. But, its up to the merchant (You) to contact your sales agent. If he or she is not doing their job to help you with any issues that may occure, then you can't blame North American BanCard. You just have a bad or inexperienced Sales Agent. My merchants love N.A.B and our low rates. If you need help contact me. anymerchants@gmail.com
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