North American Bancard Consumer Reviews - Page 5

TROY, MICHIGAN -- We signed up with this company in Dec/08 because our machine was obsolete and they could save us money on monthly charges and transactions. All was very well explained. I had told them that we do not deal directly with customers to swipe cards, that they are manually processed. I did not receive a statement from them until Feb/09, which I had to call and ask for. All I saw were charges being taken out of our account. We were notified by a local company who looked over the contract and were able to give us a better deal for monthly rates (a whole 1% less), a better rate on transactions and no fee for entering manually.

We were charge for entering transactions manually through North American Bancard, which my understanding was that we were not to be. Our new company said they would pay the cancellation fee of $295.00 and we would be all set to go. North American Bancard not only deducted the $295.00 from our account, but also an additional $765.00. I was told by a representative that they are allowed to take your monthly fee due to the end of the contract besides the cancellation fee and that is what they were going to do.

I called our new company back and a couple other companies to asked about their policy on this and was told by all three that it part of the standard contract, but never enforced! This is the first time they have ever heard of a company, especially as big as this one, to do such a thing. They have never had to pay anything more than the cancellation fee. I was advised to put in a complaint to the Better Business Bureau to let other people/companies know to be very careful and weary with dealing with North American Bancard or any other big company. If you decide to go with another company, they will drain your account as much as they can! Best advice - stay local!!

HOUSTON, TEXAS -- We would advise anyone looking to do business with North American Bancard to just keep looking unless they want to be swindled out of their hard earned money. A person who's business card had NAB across the top and then his name and title (Chief Operating Officer) promised us lower rates than what we were paying. We did our homework and everything seem to check out so we signed up. The tech came out to set us up. The machines he first brought us were not compatible with the way we batch so the tech came back with different machines and switched them out.

Everything worked great until we got our first statement. The processing fees were higher than what we had been paying. We called the sales agent who sold us and he said he would look into it, no call back. We put in another call only to be told by the sales agent that he no longer worked for NAB. So we put in a call to customer service with no luck. We called again and ask for a supervisor. We were put on hold and would probably still be on hold 6 months later. So we decided to terminate our relationship with them. That is when the real nightmare begin.

We sent in a termination letter and that was not good enough. We had to sign one of their termination forms that stated if we did not send back the data processing machines, we would have to pay $1,990 and a termination fee. We sent back the machines and sent a check for the termination fee. (Jan. 09) Then we get our bank statement and they had deducted the $1990 and the termination fee from our bank account. So we called customer service (Feb. 09) and they could see where the machines were returned and also that we had sent a check for the termination fee. We were told they would issue a credit for each.

Well here it is almost May 09 and after many phone calls, we have no credits. They say that they do not show that we got the second set of machines (the ones we returned) and that we still owe for the first set. They're giving us no credit for the ones we returned. They have to check with the sales agent (the one that is no longer working for them) to see if the machines were switched out and where the first ones are located. Also they have not credited us for the termination fee that we paid by check (and they cashed).

So now they have swindled us out of the machines that we returned plus $1990, the termination fee twice, (the check we sent them & the deduction from our bank account) and all the time and phone calls. If anyone is filing a class action lawsuit, we would be interested.

ROCHESTER, NEW YORK -- I have a small retail art gallery. We have only several sales each month, but the sales we have tend to be for fairly large amounts. When I reconciled my February checking account statement on 3/6/09, I discovered that the proceeds of a credit card sale from 2/14 had not been deposited. I called NAB, and was told that the account was in review.

I finally reached the "risk reviewer" on my account. She said that her actual concern was a sale we processed on 1/9/09. Since this was a sale from out of state, we didn't swipe the card. Further, the large round number (not unusual in my business) looked suspicious to her. It turns out it exceeded our approved limit for telephone sales. Fair enough. She let that money go into our account. Then, instead of contacting us for further information or verification, she put our account on hold, and stopped making deposits for future transactions, even when we swiped the card.

NAB never told us this. We received no letter, no email, no phone call, and no further money in our account. She apologized and said it was an oversight on her part. The processes of this company should not allow for such "oversights." If she was concerned about that transaction, she should have contacted us promptly in January, not arbitrarily withheld any subsequent and obviously valid transaction. I don't know if they ever would have contacted us had I not made the inquiry. And, if I had not reconciled so promptly, I could have started bouncing my own checks when the expected monies were not actually in my account.

On March 6, I had to fax her a copy of the receipt from January, and she contacted our client by phone to ensure we hadn't fraudulently charged him. After talking to our client, NAB has said they will release our outstanding transactions on the next business day(i. e.,today, 3/9). On the plus side, the woman with whom I dealt was polite, even after I went up one side of her and down the other. The problem was resolved quickly. But it never should have happened.

WINDER, GEORGIA -- I have been a customer of North American Bancard for over a year. No counting any problems in the past. This last one that started 2-9-2009 has pushed me to the limit. I own a small business where I use their service to process credit cards. I was told by a sales representative MR. ** that if I refer someone and they sign up I would receive a 100.00 credit to my account. Well I did refer someone in Oct 2008. I never received a 100.00 credit even after over 5 phone calls. I was told that I would receive my credit in January which never happened. I was then told I would not be billed for February.

While overseas I was billed for February and did not have the fees in the bank causing the payment to be sent back to North American Bancard. After finally reaching someone I was told both accounts must show activity. I was then told the account I referred was not active. The account I referred was owned by my brother. He stated he has made transactions and made them every month. As of this moment 2-10-2009 4:24 PM I finally got through again on the phone with customer service. Now being told I need to submit another ref feral form. So after referring a customer I was charged 31.00 in fees. A returned 65.00 in service to Bancard and a 25.00 service charge.

I am now considering stopping service with them, adding them to my website on poor customer service, changing my account number to keep them from debiting anything and seeing a lawyer about ending my contract with them. I spent 34 minutes yesterday on the phone and got nowhere. I left several messages today and got nothing returned. I now have been on and off on hold trying to resolve this as I type. Yes all of this was typed as I spoke to the poor customer service agent that had nothing to do with the ones that lied and did me wrong. Bless her she is trying to resolve this matter.

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. Too 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. Well a buck we did not save. We have been charged fees that we were told would not be charged to us.

Every time we contact NAB we get put on hold forever (2 hours 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 were charged a fee of $79.99 for PCI. Well after reading other complaints regarding this PCI fee we should have never been charged the fee.

Once again we fight with NAB, nothing gets solved. All 4 of US Bank at different institutions and have and will be filing fraud charges against NAB for these fees we have been charged and hope to accomplish something. Reading everyone's reviews doesn't sound like we will have much luck. We also cancelled our contracts with NAB as of Jan 09 (within 45 days after signing our original contracts which we have never seen copies of).

Once again after reading other reviews my thoughts are this will not stop them and I will be changing my account. I will also be contacting an attorney to see what my rights are against NAB 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 knowing what I know now. Like the saying goes some things are too good to be true. NAB would be one of those. They are NO GOOD. Also NAB do not respond to this. With your canned comments spare me the time. All you do is bs people anyway.

GRAND RAPIDS, MICHIGAN -- Our signed up with this company 2 months ago, the "independent contractor" was a customer and keep telling us he could get us free equipment and beat our rates we were currently paying. We finally agreed to meet with him and the rates were close but good and the free equipment was a bonus. He told us he would cover the cancellation fee from our previous provider. He looked at our paperwork so he knew what our volume of sales were, about 3-4 thousand a month. "No problem. Let me know when they debit your account the fee $300, and I will take care of it." Never seen the guy again! No return calls!!

We finally decided to call the company because this deadbeat never called back! The company says they do not pay these fees unless you have 5,000-10,000 in sales per month, and they can't do anything about his promise to waive the fees. They don't even have contact info, supervisor's names, nothing on this guy whose name is Joshua **. He is an independent contractor yet they are sending this guy to represent their company, sending the equipment because he says so and they have nothing to do with him. Wow. Something seems wrong here.

This guy can lie to their customers it seems and they will do nothing to help as long as they are profiting, as my 45 day trial by the time I know this, I am stuck with this crappy company unless I want to pay $1100+ to get out!! The guy was start it was a verbal agreement that he would cover the charges as I do not see it on my paperwork, but I think it is very poor business that this guy can lie to get paid by this company yet there is no one to report his misconduct to. They are sending out wolves and I think it is really BAD BUSINESS!

GREENSBORO, NORTH CAROLINA -- A salesman for North American Bancard came into my shop about year and half ago telling me how NAB has competitive rates and they will beat anyone's price. I had just started my business in a flea market and I was looking for opportunities to save money. The salesman told me that if I signed with North American Bancard that there would be a trial period for six months with no cancelling fee if I returned the equipment in good condition. Before the six months were up, I called the salesman and informed him that I wanted to cancel the service. The representative told me he would get back with me. The salesman lied.

I talked to a female representative more than a year ago and explained the circumstances to her. I also talked to the sales representative about the canceling of the service. I have not heard from NAB until I got a call from a collection agency. The lady I talked to mentioned the returning of equipment and a cancelling fee, but never heard from her since. The sales representative also stated he would contact the company, but I heard nothing from him either.

North American Bancard is an institution which hires and allow sales representative to lie to its customers. Yes I did ask, yes I did read portions of the contract but I was taking the sales representative at his word, that I could cancel within six months. This company's contract is so difficult to read, all the important information is in small writing on lousy copy paper.

Now a year and half later that are trying to collect over $1000 for canceling the service. Our laws suck when blood sucking companies like this are allowed to lie and steal from hardworking people. This company is not to be trusted. This company should be investigated by the government for misleading and unfair business practices.

SAN DIEGO, CALIFORNIA -- After opening my own business here in San Diego, California, and many conversations with ALEXIS at NORTH AMERICAN BANCARD, I decided to choose North American because she assured me, point blank, that there was no minimum monthly sales quota. I unfortunately discovered a month later that SHE LIED, completely, and I am more than mad. I feel extremely taken advantage of especially because I asked every question to ensure that I was choosing the appropriate company to open my merchant account, and she LIED. First of all, my equipment arrived over a week late.

Second, the beginning of August, North American withdrew way more money out of my business bank account than promised, and it caused tremendous problems. I called them immediately only to discover that there is a $1700 minimum sales quota and if not met, additional fees are charged, automatically taken from my account. In addition, the manager of customer service was like talking to a robot, and funny how the sales person, Alexis in San Diego, was no longer available to talk to. And there is MORE, they are in breach of their own contract and to date, today, August 11, 2008, I have not received my merchant statement to account for all of the fees withdrawn from my bank.

I am closing my business account tomorrow because I don't trust North American having access to my account. I called customer service for the third time, stating that I want my fees reimbursed. She point blank said; "œno, we will never do that', and I got the runaround. I also shipped back my equipment certified mail last week, so I have done my part.

I have to say, I am so glad, by the grace of God, that I found out about the UNETHICAL PRACTICE of North American Bancard eight days before the forty five day cancellation period. I was lied to, and please RUN AWAY before you get into deep. I am shocked at the unacceptable business practices of North American Bankcard, and I doubt they lose any sleep at night.

19380, PENNSYLVANIA -- I have contacted this company numerous times (1800-377-1989 x **) because they are selling a credit card machine (I am a private residence) and they leave a very lengthy message - sometimes several - on my answering machine several times per week. Each time they say they are taking me off their list but the calls continue (for about 8 months now).

Today, the first employee I spoke ("Ruby") with would not give me her employee ID or the address of her company and hung up when I asked. The second employee ("Amy"), instead of giving me her employee ID told me she has a birthmark on her arm that I could used to identify her. She would not give me the address of the company, telling me they are "located in thousands of locations all over the country," and hung up when I told her I was recording the conversation. I then called back twice and was hung up on each time.

I looked up the company online and called the number there (800-226-2273). I spoke with a gentleman who would not give me his name, reluctantly gave me the address (but mumbled so I could barely hear), told me my complaint wasn't his problem and wouldn't give me the zip code. I suspect the address he gave me is probably wrong, but he said it was 969 Chicago Road, Troy Michigan. I then went onto their website again and tried to send an email using their own email form, but it came back with an error. This company is harassing me and I suspect it is a scam or they wouldn't allow their employees/telemarketers to behave this way.

I plan to put this on every blog I can find to warn people away from this company. Based on the many complaints I've read about their machines and service, I think I'm right. I filed a complaint with the local police today and with the National Do-Not-Call list, and am now just trying to warn as many people as possible. BE VERY CAREFUL WITH THIS COMPANY - something's not right.

What do you say to donors who send in $10, 15, 20 to feed poor children and have an American institution comes in and scoops up every penny? What do you say to the children who are counting on this assistance? North American Bank Card, with the help of ** and their acolytes hit again. This time, it won't get away with it. We will pursue them and make sure that they stop once and for all.

On April 2007, we entered an agreement with North American Bank for a merchant account service on the premise that the monthly fee for the service is waived. However, North American Bank Card started to charge $30 monthly fee before we even opened its box. We immediately wrote to the friendly and kind John Tucker to ask him to close the account.

** disappeared and never responded to calls nor to emails. To this day, he never responded to any of our numerous attempts to contact him. We never received help from North American Bank Card either. So we asked our bank to block North American from accessing our account. On January 18, 2008, North American collected $900.00 from our account. This caused many legitimate checks to return in addition to numerous overdraft fees.

Now, each time we call North American Bank Card, we must speak to **. It appears that **! He sounds like, with a mild stutter that disappears when he is sounding executive. When ** disappears, ** deals with the case. We would write, and call, and explain and nothing happens. Now we are glad to find all the information about North American Bank Card, [snip] on My3cents.com. We will pursue them until they reimburse every cent they stole and we hope that they are all put behind bars where they belong.