North American Bancard Consumer Reviews - Page 3

TX -- We agreed to use North American Bancard for credit card processing. We agreed to pay a percentage of each transaction. We did not agree to a monthly fee, and we were not charged one. Until we asked them to close our account. 3 Months later they begin taking money out of our bank account. Charging us a monthly fee we did not agree to. We had to stop payment at our bank. Ripoff every month for $75 to $ 95 every month in fees.

TROY, MICHIGAN -- We agreed to use North American Bancard for credit card processing. We agreed to pay a percentage of each transaction. We did not agree to a monthly fee, and we were not charged one. Until we asked them to close our account. 3 Months later they begin taking money out of our bank account. Charging us a monthly fee we did not agree to. We had to stop payment at our bank... Because every month they try to take our money.

MIDLAND, MICHIGAN -- I'€™m not sure how to put this in words that'€™s not blatantly slamming the company. But here goes. Recently I processed a Discover transaction for 240 dollars. The transaction, after several days, was not put into my account. So I call the company to find out where it is. The transaction (after talking to Discover) was put into a previous owner's account. After being on the phone for near over 4 hours of having North American Bancard and Discover arguing between each other to find out whose fault it was, it was decided It was a processing error on North American Bancard's side.

The account's last update and download on the terminal was set up as me as the owner and only account. The wrong information was sent to Discover in which the transaction was processed. So they decided to do a reversal that would take 7-10 business days. On the 7th day, instead of depositing the money into my account, they took an additional 240 dollars.

I call them up and they have no clue what'™s going on. They call there processor Global and tell me I should hear the same day or next business day what went wrong. 3 days later and after the 10 return expiration they still don'€™t know what'™s wrong. I'€™m told my deposit will be made no later than tomorrow. Tomorrow comes and it's still not deposited and they still have no clue what'™s going on.

To cut it short, North American Bancard is the most incompetent company I have ever dealt with. Their customer service is little to none. They have no clue what'€™s going on and they cannot stand behind their side of the leasing terms. At least at this point they have breached their side of the contract and I am not stuck or obligated to the heavy fines of breaking the 3 YEAR terms they make you sign. I also would not wish this company to my worst enemy.

North American Bancard advertise: No contract, No cancellation fee, 0.50% for Visa, Master, Discover debit cards, 0.50% for Visa, Master, Discover credit cards, No mid qual, No non qual, 0.08 cent transaction fee, $5/monthly service fee. New program begins from Jan. 2012. Satisfaction guaranteed.

Base on what NABC advertised above, in late August 2012, I called the representative and he showed up next day. He asked me sign the paper in order to keep the rate and will give a copy of what I signed when he come back to install the credit card terminal. Yes, the terminal installed, but he never give a copy.

In the first 2 months I called this agent so many times to ask for a copy, he never picked up my calls, and I even left him a lot of messages. So I had to call his company, the representative who I talked with. I asked "why is your representative, the one who I first talked and signed paper with, never answered my calls and never gave me a copy?"

This guy said apology to me for that and he said he is going to mail me a copy. By the way I asked him if in the future some point I don't like this service any more, can I cancel? He yes I can cancel, but I have to pay for the early termination fee because he said I signed the contract for 3 years. So disappointed! I never knew that. This time was in late Oct. or early Nov., 2012. Until now 12/11/2012 I haven't got a copy that the representative asked me to sign in order to keep the rate, not a contract.

Nov. 2012 statement. Deposit totals $2297.75. It charged me $70.45. Couple days after I got another Nov. 2012 statement total charge is $116.90 from $2297.75 total deposits. I called the agent who I first dealt with, in days at the end he picked up my phone and told me scan the statement and email him then he will explain it. After that, I kept calling him again and again. He never answered my calls. So tired, so disappointed, and so headache. Don't do business with this North American Bancard. I will tell every single friend of mine about how bad of NABC service, and on Facebook or everything I can reach out to people.

TROY, MICHIGAN -- 3/16/09 - I just got my mail. I received a notification from my bank that NAB tried to debit my account again for $109 this time. It's a good thing that my account is now closed and any debit attempts from this company will be automatically returned. So much for their desire to eliminate the debt that I supposedly owe them.

3/3/09 - This issue is NOT resolved. They just charged my account $79 and $30 after I received a letter stating that they were not going to charge these fees! Don't believe a word of their lies!! Edit: This one might have been resolved through the BBB. I received a reply from them that I wanted more clarification on. I contacted them through the BBB on 2/3, but have not heard back from them yet.

Original review: First, North American Bancard tricked me into opening an account with them using my personal information even though I told them that I did not have all of the information that I needed to open it under my business name and my website was not completed yet.

Now, they are charging me a PCI Compliance fee of $79 which was not listed anywhere in our agreement. When I contacted them to question what this fee was for, they told me that it was a fee from Visa/Mastercard to become compliant with credit card processing. I have not processed a single transaction on this account. When I asked them to waive the fee, they told me that it was mandatory no matter what I do and that it could not be waived on my account. They also told me that I did not have to agree to the charge. Basically, they told me that they can make up any fee whenever they want and debit my account without my authorization.

I placed a stop payment on the transaction and now they are sending my account to collections. This will appear as a negative mark on my personal credit report because they used deceptive practices to convince me to open it under my personal account instead of waiting for me to be protected through my corporation.

When I told them that I wanted to cancel my account, they sent me a letter stating that I have to pay a $540 early termination fee to pay for the remainder of our contract. They broke our contract first, not me. Why should I have to pay? If anyone wants to view this contract, which states nothing about a compliance fee, visit: http://www.nabancard.com/terms/terms.pdf

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. 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 NBA 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 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 everyone's 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).

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 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 lawsuit against them from an attorney's office in NY. Knowing what I know now. Like the saying goes, some things are too 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 receive 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.

BASSETT, NEBRASKA -- I was contacted by a representative of North American Bancard to review my current situation with my processor. After reviewing my current statements, I was told that they could reduce my overall costs and that all I had to do was complete a new merchant application with them and have them reconfigure my existing terminal. The representative "Priscillia" promised me the moon and, as I find out later, did not have the authority to make the promises that she made. I read the agreement, signed it and then faxed it back to the number provided. That's where this nightmare begins (December 13, 2007).

To this date (April 8, 2008) North American Bancard has been unwilling or unable to reconfigure my existing terminal. I called numerous times attempting to get my sales representative. The one time that I did get her on the phone she was rude and could not help me at all. Said that she'd have someone contact me. When I call in, no one can answer simple question and no member of management exists (evidently). At first I just wanted to get everything up and running, but then (after being talked to like a dog and getting the run around) I decided that I just wanted to cancel my services. Lo and behold they said that it would costs me $1,260 to cancel!!!

Yes, you read that right. They were supposed to be saving me money, but they can't even run a simple transaction for me. They haven't reconfigured my machine but they charge me $30.00 each month. $25.00 of that is a monthly minimum processing fee. How many transactions do you think I can run if they don't even have my terminal online? I have tried to get this resolved and am ready to take this a step further. They have nothing but my faxed signature and my banking information. Do not walk away from this company. RUN.

SEATTLE, WASHINGTON -- I am just now finding out how horrible these people are. I tried to cancel my acct as I have been getting charged a $25.00 "min fee" every month that I was not told about. And they said "Oh, you have a 36 month agreement, didn't you read that?" So they faxed it to me and sure enough on page 4 it was there. But I was never told about that. And when I went back to my original application, it was only pages 1 and 2!! It mentions pages 3,4,5, 6 but I had never received them.

And we told the sales person we run few very high tickets, like 15,000 for furniture. Fine he says. And then they gave us a 900 high ticket. And my application was changed to $900.00 high ticket after we had signed it. So I called them and told them the application had been altered, and I had never received the other fine print pages, and wanted to cancel with no fees. I sent them our original application. I sent them the email from the sales rep with the application file in .pdf that was only two pages long. The girl said she'd look into it with her manager and get back to me.

And when she got back to me she said "I don't know if you received pages 3-6 or not, but you signed the form on page2 indicating you accepted the terms on those pages, so you are bound by them. Period. And as far as the form being altered, they said they'd go ahead and honor it as I submitted it, with a $10,000 high ticket limit. They don't know who or why it was altered, but they were prepared to "undo" the alteration, so there was no getting out of the contract.

When I probed into who John ** was, the sales rep, they washed their hands and said he was an independent sales rep, don't know how this could have happened, we'll look into it, but meanwhile you signed it, and you're stuck with it. The only possible relief they offered me was they offered to price match someone else's rates. If I could find a place that offered, say a high discount rate on transactions but no monthly fees, they'd match it. So I might be able to do that and effectively cancel my agreement by letting it just run out (providing I remember to cancel exactly when I need to 3 years from now, otherwise it auto-renews!!).

I'm not happy and ready to do battle with them. They had this John ** working for them, altering contracts, leaving out pages, and snaring people left and right and then sticking them with high monthly minimums and 36 month contracts. If it's not actually illegal, it's certainly deceptive and dishonest and the fact that they'd go along with it indicates to me that they really have no problem with these sales tactics.

BIRMINGHAM, MICHIGAN -- To list the misrepresentations made by North American BANCARD et al, would take too much of your time to read and I suspect most of you who read this have experienced, or will experience the same costly problems with NAB as we have. If NAB has your bank account information, I would consider CLOSING YOUR ACCOUNT and opening a new account as they may use your account number for a "free-for-all" (for them) at some later date as they did with our company.

We thought we were finished with these ill-advised and morally challenged individuals known as NAB collectively, over a year ago - we were just happy to be done with them and their corrupt practices - we even considered swallowing the loss associated with NAB as no one has that many hours to make the same calls over and over and hear a different lie each time.

Surprise! Over a year later, we discovered that they "out of the blue" debited our commercial account for nearly $1,800.00 - guess "they", including Ms. Kim ** (an individual of many different titles depending on who she is speaking with or writing to at a given moment), thought we wouldn't notice the theft of our funds. In retrospect, rather than paying the ill-placed funds to NAB at the onset, I wish we would have just went on the Internet and played Internet poker. At least once the money was lost, we would have been done.

I am going to write them a seven day demand letter today. Past experience dictates they will not properly respond. We will file a lawsuit against North American Bancard as well as its "principals and employees" individually as co-defendants. Although I have searched the Net for "praises" or even satisfied customers/victims of North American Bancard, I have not been able to find one. If there is a satisfied customer out there, I would appreciate hearing from you as well.

I am not going to go into a lot of detail. I have spent over 4 hours dealing with them today and am just plain tired. I would advise anyone, esp. a small business to stay away, use a local bank or go directly to the card companies.
As a note to NABC since I know they read these, I recommend you not automatically sign your merchants up for the Gold Mybizperks and start charging them a monthly fee. This is where many of the problems stem from and it is a legal, but misleading way to make money off your merchants.

Instead, sign them up for the FREE bronze membership and then allow them to upgrade. You will have less complaints and be a much more customer friendly company. You would also be wise to not outsource your sales force, that is another source of your complaints. And, not use robots for customer service reps. I just talked to one, about the 7th one today, who was great, but the first 3 were horrible.

I even had to scream at one to get her to stop talking and actually listen to me. She would not stop talking, it was amazing. She kept going on and on about a three year agreement, which was incorrect. And when I finally got her to shut up and listen to me, she looked and found I had a 1 year addendum to my contract. It was absurd and I have never gone through anything like that before. No offers of help were given by most of the CSRs only, this is what it says... I also had to call and get a correction to one of the email synopsis of the conversations, it was completely incorrect.

I still am just waiting out the next couple of months and will cancel when my one year is up and will definitely not recommend anyone doing business with this company. Even with the cancellation letter, I have called three times to get clarification due to the wording of the letter. If I had done what was recommended by one CSR, I would have risk paying the early term fee. I should not have to call 3 times to get correct instructions, and am only hoping now I have the correct information. We will see. I do not trust anything I am told by this company.