North American Bancard Complaint - North American Bankcard ----- Wish I Would Have Know
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 to 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. A buck we did not save. We have been charged fees that we where told would not be charged to us. Every time we contact NBA we get put on hold forever (2hours 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 where charged a fee of $79.99 for PCI. Well after reading other complaints regrading this PCI fee we should have never been charged the fee. Once again we fight with NBA nothing gets solved. All 4 of us bank at different institutions and have and will be filing fraud charges against NBA for these fees we have been charged and hope to accomplish something. Reading everyones reviews doesn't sound like we will have much luck. We also cancelled our contracts with NBA as of Jan 09 (within 45 days after signing our original contracts which we have never seen copies of). One again after reading other reviews my thoughts are this will not stop them and I will be changing my account. I will also be meeting with an attorney to see what my rights are against NBA 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. I did a little more research on NBA and found there is a class action law suit against them from an attorneys office in NY.
Knowing what I know now. Like the saying goes some things are to good to be true NBA would be one of those. they are NO GOOD.
Also NBA do not respond to this with your canned comments spare me the time. All you do is bs people anyway
To respond to the NCA comment. First of all I did not recieve a statement in Nov because I did not sign up til the end of Nov. Second the statement fee you claim you refunded is not in my account also you said you would credit me for the next 3 months or the min. $25 charge bad thing is I cancelled so where is the rest of the 2 months. Nowhere. Battle over. Spoke to an attorney and taking care of it from there
Company Response on 1/14/2009:
North American Bancard works very diligently to resolve all merchant 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 merchants, 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.
North American Bancard values the business of all of our merchants and we do not take complaints lightly. In an effort to address your many concerns and provide you with some very pertinent information specific to the PCI compliance mandate, we have compiled the information below for your review. First and foremost, you requested a credit for your statement fees in December, and that statement credit was approved for you. We also applied three separate courtesy credits for related statement fees to your account, which covered a three-month period.
The PCI Data Security Standard (PCI DSS) originally began as five different programs from the five credit card associations (Visa, MasterCard, American Express, Discover, and JCB). Each company’s intentions were roughly similar: to create an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data.
The Payment Card Industry Security Standards Council (PCI SSC) was formed as a neutral body to address conflicts among the credit card schemes in developing a standard. On Dec. 15, 2004 the credit card associations aligned their individual policies and issued the Payment Card Industry Data Security Standard (PCI DSS).
In regards to the PCI Compliance Service fee, on the November 2008 merchant statements it was advised that the PCI Compliance Service fee would be charged on the December 2008 merchant statements and why it was necessary. The PCI Data Security Standard was created to offer an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data and applies to all service providers and merchants that accept credit cards regardless of size or acceptance method. The $79.00 PCI Compliance Fee was assessed by North American Bancard to mitigate the costs associated with becoming and maintaining compliance, updating terminal software, providing applications with enhanced security, and replacing non-compliant hardware. Merchants can visit our website at www.nabpci.com to find out more and to determine what their company needs to do to ensure compliance.
In regards to refunding the one time only fee of $79, we will do so if the merchant became compliant prior to our notification in November 2008. For more information regarding the PCI security standards, please refer to their website https://www.pcisecuritystandards.org/.
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.
North American Bancard
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