North American Bancard Consumer Reviews - Page 7

TROY, MICHIGAN -- I should have trusted my gut from the beginning as the originating sales representative with this company radiated sleaze and fast-talking deception. I have asked for his name on several occasions and been told there is no way to trace that back as they are "independent reps". Never ever disclosed the three year contract clause with hundreds and hundreds of $'s in early termination fees. 6 different itemized monthly fees totally over $62.00 a month and that is if you don't use the services.

There is even more cost if you do. I was told that my monthly service fee would be "A total" of $9.95. They will float your incoming funds for days before releasing them to you then charge more fees. Terms of termination supposedly on page 3 or 4 of a contract that I was never given a copy of, or at least not a complete copy. What was sent was a 2 page merchant services agreement (with no page numbers) entitled "Terms and Conditions of Merchant Service Agreement".

It has numbered items 1 through 11 and the second page isn't numbered at all. Even the representative taking my call today to inquire about terminating lied on his write up that was auto emailed to me saying he had offered me the chance to transfer this account to another merchant which was never mentioned. There is a lot more to this story but that's all I am writing until I have met with my attorney. After scamming me for months now they want $698.60 to say goodbye to them. Watch out! Once they have your bank account info you don't have a prayer. Bottom Line is that this company is absolutely horrible to deal with. Just don't do it or you will be sorry!

I have been dealing with this issue for 3 years now. North American fails to inform you in the Merchant Agreement that you sign you will be charged a PCI Compliance fee that is equal to the same amount you pay in monthly fees for their services. The merchant agreement you sign states you must be PCI Compliant, but states nothing about the fee. The agreement gives them the right to charge more or change fees with notice, but it says nothing about this large fee in advance. And THEY know in advance they will charge you this large fee. It is a deceptive practice....

I rue the day the representative from this company walked in my door. If you sign up with this company (and BTW you're locked in for three years which the representative will not tell you) be prepared to spend HOURS on hold with a "service rep" and then bounced over to a "tech" while they attempt to get your terminal to function properly. And no, you can't process any payments during this time. The techs are incompetent, and the service reps are exceedingly rude.

When they finally admit that it is their machine not working properly - they will send you a new terminal, but make you send back the old one AT YOUR EXPENSE!! And don't fall for the trick of - "leave your number and we will call you back" because they will not.

TROY, MICHIGAN -- I have never written a negative review prior to this but I have been swindled by this company. I am currently being charged half of all the credit card transactions that I run. So I want to cancel since I'm being charged way too much. I was told explicitly by my sales representative that there would be no fee for cancellation and that I could cancel at any time. My sales representative brought over about 3 pages for me to sign with my credit history and then I signed the last page. Nowhere in the paperwork that I signed did it mention an early cancellation fee.

After contacting North American Bancard suddenly additional papers that I never saw or signed appear within what I had "signed". They are telling me that in order for me to cancel that I must pay $910. What!!! The moral of this story is that I am kicking myself for not doing my homework. Clearly this company is unethical and their reps will tell you anything in order for you to sign up and then unexpectedly add additional unknown pages to your contract. I will tell all of my small business owner friends, all people in my franchise to STAY AWAY!

We are the accountants for many businesses and this is the first time we have felt strongly enough about a company that we had to write and hope someone reads this and does not use this company. We have had 3 clients within the last year, get promised the world by this company - the hidden fees and crazy "misunderstandings" are beyond belief.

I would recommend trying a local bank that you can actually contact and discuss issues with. Most services will try to be competitive so if you show them the offers you have, they will come very close and again - you can talk to them even after the contract is signed. There is NO talking with NA Bancard - once they get that contract signed, you have to pay them usually around $1,000 to get out and actually had 2 clients that did do that because it actually still made sense since the hidden fees were that much!!! Please explore all options - THIS IS NOT A COMPANY YOU WANT TO DO BUSINESS WITH!!!

I filed a complaint today with the Better Business Bureau. I do not agree that I should pay the $79 PCI fee. I am a small business and according to everyone else, I should not be charged. I also was charged $9.95 for 4 months for the "mybizperks" program. I did not sign up or approve that. They did, agree to credit my account $39.80 for the program fees charged. I am still waiting on the $79 fee to be reimbursed. It is amazing that when I take credit cards I have to provide a service and the customer agrees to pay me.

At North American Bankard, these rules must not apply. They can charge you whatever because you are locked into a contract. Don't they know it is easier to keep customers than "tricking new ones???" It is sad that businesses have to watch their credit card processing company for fraud...

TROY, MICHIGAN -- This is a real scam!! They are charging ridiculous fees, and none of the amounts appear on their agreement, but they say that they can charge whatever fees they want. They lie! The person that signed me up said there would be no hidden fees!!! No extra charges! It's a lie!! I have called about the charges they have made, and they said that they sent a letter to inform me of them. It's NOT TRUE!! Don't believe what they say, they will not keep their word!

In a week I have made about 8 calls, which has always resulted in being transferred to a different department that NEVER answers. I have left plenty of messages, and calls have NEVER been returned! The departments I need to talk with are always "busy". It's not true! They are a scam. They don't want to answer my calls, and just want to keep charging me for non-sense fees!! Avoid North American Bancard as much as you can! I regret having done this, because I was told by the person that signed me up that this was not a contract. It's a lie! Nothing that he told me was true. He probably had a made up name as well, because everything that he said has proven contrary!!

No hidden fees? Yeah right, there are fees for everything! No contract? It's a lie; they scam you, and sign you into a 3 year contract! Want to get out? It's impossible, because they never answer the calls. Maybe after I get my lawyer involved they'll start doing something, but so far they are probably happy to be scamming me and so many others that I have read the same types of complaints.

TROY, MICHIGAN -- Set up account through outside agent in spring of 2010. Was promised $5 a month base fee with no other charges other than %of card transactions. Was told compliance fee would be waived with my current certificate. Was not told about 3 year term or cancellation fees. On 1st billing cycle I was charged $35 base fee with additional transaction fees. After a couple of months had it corrected back to the promised $5, but then we were charged the compliance fee of $79 that we were promised not to be charged.

After approximately 6 months of continued erroneous billing contacted my agent and he promised to get me canceled at no charge to me, but it would cost him $150 which he would pay due to all of the problems we were having. On November 17th they charged my account 2 collections totaling $875 for cancelling. I'm assuming this because no one from NAB ever contacted me to discuss or question.

So here is the real kicker. I have not received any credits to this point & and they are continuing to bill me a new rate of $15 a month as of 11/30/10. Synopsis-- charged over $1000 for approximately 20-30 card transactions. As of 12/10/10 still waiting on a SENIOR AGENT to call me back. Apparently I can't be helped by the standard customer service rep! Business Owners Beware of this company. They use deceptive practices!

This company is nothing but a bunch of lying cheats who have such a great thing going on the make extra money. My wife and I own a small spa. In January of 2009 we needed to start accepting credit cards. The sales representative said he would be anyone to earn our business. He did, he had a very good deal and we signed a 3 year contract figuring we would be safe. Well their 3 year contract protects them and does nothing to lock in any rates for you. Section 17 allows them to raise your rates at anytime but you are still bound to your end of the contract. I have news for you NAB that is not a contract, this is borderline fraud.

To top it off they also charge this PCI fee for 79.99 a year which after talking to another larger merchant company is a bogus way for them to make money. Oh and then there is the add on fees that all the sudden appear on your bill and when you call to complain they bring up section 17 again. Diana you must be a busy girl. I'm not calling you, you can email me.

From the first day I have had nothing but issues with this sham of a company. Starting from the sales representative lying, in writing, about their fees to every time they want to add a fee for some program I have to call and opt out or be charge re-occurring fees. Every call takes ten to fifteen minutes to get answered and God forbid they need to transfer you. The bottom line is my time is worth more. Their rates are not better than most companies and their service is inferior by far. I would spend more time detailing the issues but I have to call them back to have two monthly charges removed from my statement AGAIN!