North American Bancard Complaint - I can't believe companies can get away with this
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 pickup 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.