NorthAmerican Bancard Complaint - My letter to Norhamerican Bancard
TROY, MICHIGAN -- July 23, 2010
969 Chicago Road
Troy, Michigan 48083
RE: Merchant 174945
To Whom It May Concern,
This letter regards my ongoing dissatisfaction with your services. I believe your company is in breach of contract by not responding to my complaints, inappropriately charging me for services I specifically opted out of, as well as inappropriately withholding my funds for excessive periods of time. Following are specifics of these issues.
Incident #1: This incident occurred on or about October 30, 2009.
Incident #2: In December 2009 I secured $2600.00 from you and I repaid this (total of $3600.00+). I am attaching documentation showing NorthAmerican Bancard continuing to withdraw funds from my account for a debt already paid in full. In my opinion this is either theft or, at the very least an inappropriate confiscation of my funds. Upon discovering this I immediately called with my complaint and I was transferred to a voice mail and my call was never returned. The next day my wife called. She had a conversation with an individual who said he never got my call. This was proven false by being sent an email (attached) that confirmed receipt of my call, leaving me to conclude that the individual speaking with my wife was lying.
On the second day (Jan. 30, 2010) I talked with “Travis” and was told it would take 2-4 business days to return my money. On 7/7/10 they still had not returned the refund. I called and was told they had done an audit on my account and had initiated a refund to my account (same story again). I was told the delay was because of the holiday (4th of July). As much as I did receive the money on the 9th of July, I regard this poor performance as a breach of the agreement with me. Further, when I talked with him on the 7th of July I told him I want to discontinue my business dealings with NorthAmerican Bancard. He transferred me to a department to get a form for this and it was the collection department, hardly the people I wanted to speak with. I was told I would owe appx $700+ dollars and declined. I told the individual I wanted the paperwork related to ending my obligation. She told me there was no paperwork and I would be charged a monthly charge equaling up to $295.00. I was asked if I wanted to initiate my opt out and I told her “no”. I wanted out because of a breach of agreement by NorthAmerican Bancard. I asked if I needed to take legal action, she snipped, “Go right ahead”. I did not feel very comfortable with the attitude of your representative. I terminated the call at that time.
Additionally, I was sent a letter (copy attached) dated 3/31/10 about MyBizPerks. I immediately phoned upon receipt and informed the individual that I wanted not to receive this service. I was specifically told “You are opted out.” On my 6/30/2010 billing statement I am charged for MYBIZPERKS. This is totally unacceptable and proof of the breach of the agreement.
In the development of this letter I have also placed repeated phone calls to the phone number provided in the agreement in an effort to terminate our agreement. Not one of these has been returned. On my last call I left an emphatic message noting my desire to terminate the agreement. This letter is a reiteration of that demand, and is serving as my notice that I will no longer participate in the agreement.
On a final note, I am attaching a letter which proves you have divulged private information to another party. I am also attaching a copy of my “agreement” which states (highlighted) information will not be shared. I have not shared such information from my end, so the action clearly came from yours. Thus, a complaint is being filed with FTC regarding this action on your part.
Once again, I am terminating the agreement and expect you to honor this. Further complaint with FTC will be filed unless I hear from you within 2 days of your receipt of this letter.
You have my phone numbers and addresses.