North American Bancard Consumer Reviews - Page 8
This review is written to add our voice to the other companies who feel they have been taken advantage of by poor, if not illegal, practices by the North American Bancard Company. We have also been hit with this surprise charge! Security is necessary and PCI compliance seems reasonable. What is wrong and perhaps fraudulent, is the way NBA is doing this.
The salesperson took the time to go over all possible charges with me when I signed up and PCI was not mentioned. Obviously this has been around for some time so why not list it? When I asked about this, they simply fall back on the contract clause giving them the right to arbitrarily assign fees. Then they say this is a federally mandated fee! This is a lie if not fraud. While PCI compliance may eventually be required by federal law, I doubt it will include a mandated fee.
Fortunately, I had the presence of mind to only sign a one year contract and the low monthly rate is many times less than the additional fee to cancel the contract. I will find another service, even pay a larger monthly fee, to not have to deal with NBA. As a company policy, we will discourage the use of credit cards in favor of checks and alert anyone who passes our way to avoid dealing with NBA.
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I started with this company in JUNE 2006. It came with a $10 a month fee. After a few months it was raised to $25 a month. In their contract it states that if you don't agree with the fee increase not to process any more transactions. I stopped using it. I started getting calls that I needed to make a test charge on the account to verify that it was working, at which time I told them no because I didn't accept the increase. I was then informed that I would be paying it anyway.
I have taken in the shots now for 3 years. Paid $950 dollars in fees only processed $1000 dollars with them, so I have made a whole $50 dollars. I have just requested for the third time to cancel the account. At this rate they are going to take the last $50 from me too before it gets cancelled. If you use them beware.
September 3, 2009
Dear Merchant,
NAB works very diligently to resolve all customer 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 customers, 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.
NAB would like to apologize for any unsatisfactory service related issues you have experienced and would like to take the opportunity to discuss this matter further. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273, extension 1300 so that your specific situation may be properly researched and addressed.
Within the terms and condition of the Merchant Agreement, it will clearly state the length of the agreement that you may have with NAB. NAB will not close out a Merchant Account until written request is received to close the account. On Page 9 of the Merchant Application under Pricing Schedule, it states all fees that are associated with the Merchant Account.
Without knowing your merchant number, we are unable to clarify the circumstances which caused this change in your pricing. Section 17 of the Agreement states that the agreement may be amended only in writing signed by Global Direct, Member, and Merchant, except that (a) the Card Acceptance Guide and any and all fees, charges, and/or discounts (including without limitations non-qualified surcharge rates) may be changed immediately, or (b) Global Direct may mail Merchant either a notice describing amendments to this Agreement or an entirely new agreement, which amendments or new agreement will be binding upon Merchant if it deposits sales or credit slips after the effective date of such amendment or new agreement set forth in Global's notice.
Within the Terms and Condition, Section 5 of the Terms and Conditions clearly states, “Merchant agrees to pay and Merchant's account(s) will be charged for the discount, fees, and other charges described in this Agreement.”
Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If your account was incorrectly debited, or you believe your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors.
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.
Sincerely,
Rebecca Paull
Research Manager
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BIRMINGHAM METRO AREA, ALABAMA -- Their risk assessment dept. dropped me after several heated exchanges with their reps over the amount of my charges and then they wanted to charge me with early termination fees after dropping me. I finally convinced them and after contacting AL Attorney General's office that their behavior was unethical, I then tried to get them to send a sticker to place on the box to send back their terminal. NONE of their phone numbers will connect from my area while I can freely call anywhere else in the USA.
They have sent the bill for the terminal, over $500, to collections and to whom I have tried to speak and they just flat out don't want to hear that NA Bancard's numbers don't work. I have been trying for 6 mos. to reach them including last three days and no numbers work from here. I have one number in risk assessment which works and cannot get this lady to call me back. It is so frustrating and mind-bending to deal with people like this. I have a processor now, Priority Systems, from whom I've had no problems and their customer service representative is actually polite!!!
Dear Merchant,
North American Bancard works very diligently to resolve all customer 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 customers, 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.
The Risk Department follows specific guidelines for the benefit and security of not only your Merchant Account but the Cardholders as well. All accounts have a High Ticket limit assigned based on their business type and processing history, if there is a transaction over the approved amount it is necessary to contact our Risk Department for approval as noted on the Merchant Agreement and official Welcome Letter.
You stated that you were unable to call us from your location; we have not experienced telephonic issues and want to ensure you are contacting us at the correct number. Our toll free number is 800-226-2273, however, if you continue to experience difficulty we can also be reached at 248-269-6000.
If you have not already done so please return all equipment belonging to North American Bancard to the below address via a traceable method such as UPS or FedEx. Call Tags or pre-paid labels are generally not supplied for return purposes.
969 Chicago Rd.
Troy, MI 48083
Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If this response does not fully address your specific concerns, please have your account number ready and contact us at one of the above numbers. If you continue to have telephonic issues, we can also be reached at custservice@nabancard.com.
Sincerely,
Rebecca Paull
Research Manager
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Terrible company. I wish they go bankrupt very soon. The sales representative offered a good rate to us, then the nightmare started from here. When we have the first statement, the rate is much higher than what we have been offered. And, there was annual service fee. We never heard from the sales representative that there was an annual service charge. We called in and asked about it.
The customer representative asked us to carefully look through the contract again. The annual service charge fees and the hidden higher rate that we could barely see it were there. We told them that the rate was not this when we sign up the contract. They said you've signed it, that meant you've agreed. We are really pissed, then we told them to terminate the contract. They said that I have signed up for 3 years contract already. If I will have to terminate the contract, we have to pay $2100 cancellation fees. If someone wants to file a lawsuit class action to against this company. We are in!!
May 12, 2009
Dear Merchant,
North American Bancard works very diligently to resolve all customer 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 customers, 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.
NAB would like to apologize for any unsatisfactory service related issues you have experienced and would like to take the opportunity to discuss this matter further.
In regards to the fees that have been questioned, your individual Agreement will list on page nine of the terms and conditions all the fees that may apply to your account. Section 13 of the terms and conditions, it states the length of the agreement.
Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If your account was incorrectly debited, or you believe your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors.
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.
Sincerely,
Rebecca Paull
Research Manager
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Hi all, wish I would have read these reviews sooner. I just faxed all my information over to NABC on the 15th yesterday then I received a call from another merchant service. When I told him who I choose he said "good luck with that". Kind of made me very nervous so I checked online and found all these nightmare reviews. I have left many messages for the sales representative to call me.
I also sent another fax to cancel the service before it starts but I have not received any answers from anyone. That doesn't sound good considering they call me about 6 or seven times a day to get me to send over my info. I only hope that the trial period that the agent was telling me about is true and that there is no cost upfront. If anyone knows how I can get out of this mess I sure would appreciate it. I hope I'm not the next nightmare story.
April 20, 2009
Dear Merchant,
North American Bancard works very diligently to resolve all customer 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 customers, 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.
Credit card processing is a competitive industry, therefore, you will have competitors speak negative about their competition.
Customer Service Department can assist with your questions or concerns. We do offer a 45 day guarantee satisfaction period. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273, extension 1300 so that your specific situation may be properly researched and addressed.
Sincerely,
Rebecca Paull
Research Manager
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SAINT PAULS, NEBRASKA -- I cannot believe that this company is still allowed to do business. I have contacted them 3 times regarding unauthorized deductions from my account. The most recent call was 3/13/2009 and I finally spoke with a person who could not help me and transferred me to another voice mail. I have had it.
My small business (Teri's Smoky Mountain Gems) has not used their machine or services but about 6 times and they are trying to charge $522.95 to my account, after I have been paying $27.50 every month. What is the problem here? And yes I have called 1-800-226-2273 Ext. ** and guess what, another machine. I have taken things into my own hands and I have closed my bank account.
Dear Merchant,
North American Bancard works very diligently to resolve all customer 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 customers, 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.
In regards to the fees that have been questioned, your individual Agreement will clearly list on page two of the terms and conditions all the fees that may apply to your account. Page two also lists the rates that will apply to every transaction run through your terminal.
Our records indicate that you contacted us on March 13, 2009 and we advised you that you needed to speak to one of our Senior Representatives at Ext. 1400 for further assistance with any debits to your account.
Section 5 Payment and Fees state, “Merchant agrees to pay and Merchant's account(s) will be charged for the discount, fees, and other charges described in this Agreement. Merchant also agrees to pay and Merchant's account(s) will be debited for all fees, arbitration fees, fines, penalties, etc. charged by the card associations or network organizations on account of Merchant's processing hereunder.” Our records show that we have not been able to collect Monthly Fees since January 2009.
If your account was incorrectly debited, or you believe your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors.
Should you have any questions regarding this response, please have your Merchant number ready and contact our Customer Service Department at 800-226-2273 Ext.1300, so that your specific situation may be properly researched and addressed.
Sincerely,
Rebecca Paull
Research Manager
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TROY, MICHIGAN -- I cannot believe that these people are still in business. I held back a payment in Jan. 2009 because of increase in payment. I contacted them and asked why. They said that it was a one time fee and would not be charged again. I guess I was satisfied with the answer so I told them I would pay it. Well now they have charged my bank account $2,180.25! That has put me in the negative, I have $270 in overcharges, my credit now has a mark on it and I cannot do business! I have talked with the collections department and was told that I did not take the hold off of my account. I did and told them that. I was told five days ago that my account will be credited the money.
Well after many calls (none received back) I contacted the Better Business Bureau. My next stop is the Attorney General's Office of Michigan. I am fed up with this. I am a very tiny seller of goods and do most of my sales online and when I can I go the arts and crafts festivals (but that doesn't look like it will happen now with no money). Please let's stop these people from ripping us off of our hard-earned money that we all have very little of now. I lost my job and decided to do this to bring in some money to my family, now I cannot even do that. Shame on you NAB!
I have received refund of my money.
March 11, 2009
Dear Merchant,
North American Bancard works very diligently to resolve all customer 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 customers, 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.
If you feel that your account was incorrectly debited, or your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273, extension 1300 so that your specific situation may be properly researched and addressed.
Unfortunately enough information was not provided for us to accurately determine your Merchant Account. If your account was incorrectly debited, or you believe your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors.
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.
Sincerely,
Rebecca Paull
Research Manager
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FOLEY, ALABAMA -- In late 2005, a representative of this company came into my office while I was not there and talked one of my previous employees into allowing the placement of the credit card processing machine into my business. This employee apparently gave them my personal and business information and as soon as I discovered the situation, I called the company, cancelled, and sent back the machine.
Because they would never stop drafting my account, I subsequently had to change my bank account. I wrote letters, etc. and never received any satisfaction, even after repeatedly stating to them that I had NEVER signed any agreement with their company. They have now placed a collection account on my credit file and I intend to sue them.
Dear Ms. Tice,
As a business we try our best to keep each client satisfied, but apparently that did not happen in your situation, and we apologize. We have corrected this issue. We realize one of your previous employees gave our representative your personal information and authorized North American Bancard to set up an account in your name. We closed the account on 02/27/06 but the balance was erroneously assigned to a collection agency in December 2008. We have canceled the collection agency assignment and this item will be removed from your credit report within 30 days. We apologize for any inconvenience this error may have caused.
If there are further questions please contact me at the phone number below.
Sincerely,
Gregory K. Mosby
Collections Manager
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SOUTH BRUNSWICK, NEW JERSEY -- Thanks for all of the opinions/complaints about North American Bancard. A guy came to my place of business today to try to sell me credit card service through NAB. I have a small business, this was the first time I even looked into the option of accepting credit cards. I let the guy know that I first needed to be educated about this. He went on to explain how it worked, and the costs associated: $20.00 wireless fee,1.69% of sales, $0.30 per transaction and $25.00 per month if we have no transactions. The portable credit card machine is free. I told him I would first have to discuss this with my partner before making a decision.
As we ended our meeting, the guy went on to tell me that he used to be a mortgage broker, had his own business and made a lot of money, but that all ended and now he sells cars and credit card services. After he left, I went onto this website and read all of these horror stories, thanks to all of you who have been screwed by this company and are willing to admit it. You helping me make my decision to run the other way. Way too many red flags for me to accept! Bad reviews, a former mortgage broker, a used car salesman, can it get any worse than that?
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TROY, MICHIGAN -- Reading the other reviews I see I am not alone. I was solicited by telephone multiple times by this company asking me to switch my credit card merchant services to them because they claimed lower rates and no hidden fees. The representative had me fax my previous credit card statements, and claimed they could do much better, sent me a new machine for free and told me that if after the first statement I was dissatisfied that I could cancel the contract. The interest rate he quoted was below what I had been getting. The first statement, which came 55 days after I signed the contract charged me $85.00 instead of the $5.00 per month my previous company had charged me.
When I called to cancel they said that I had 45 days to cancel the contract and since I didn't it would cost me $1,000.00 to cancel the contract! They have robotic script readers in customer care who don't care that what they are doing is immoral if not illegal and keep reading the script when you try to reason with them. Stay far, far away from this company. I am complaining to the Better Business Bureau and seeking legal advice to stop them from debiting my bank account.
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July 23, 2010
Dear Merchant,
NAB works very diligently to resolve all customer 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 customers, 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.
First and foremost I would like to apologize for any unsatisfactory service that you have received on your Merchant Account # xxxxxxxxxxx773. Per our conversation today in regards to the PCI fee, you were advised through your monthly statement the month prior to being billed.
As explained, 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 PCI Data Security Standard was reflected in the Terms & Conditions but not the exact amount. You can refer back to Section 3. Procedures where it states, “The PCI DSS is administered and managed by the PCI SSC (www.pcisecuritystandards.org), an independent body that was created by the major payment card brands (Visa, MasterCard, American Express, Discover and JCB.).”
In an effort to provide resolution, a credit has been submitted in the amount of $50.00 which will be applied on your next month's monthly statement. Should you have any questions regarding this response, please contact me at 248-283-6059.
Sincerely,
Diana