North American Bancard Complaint - Criminal Activity
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.
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.