North American Bancard’s earns a 3.2-star rating from 37 reviews, showing that the majority of merchants are somewhat satisfied with payment processing services.
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Sales Rep. dispears after signed us in - Stay away from NAB!
North American Bancard is the worst compay that has very dishonest sales rep. & no customer services after you signed up the credit card merchant service with them. The company sales rep. Jeremy Davis came to us last April and talked us into signed up the merchant service, promising better rate and free equipment, most important- NO CONTRACT IN TERM OF...
Read full review of North American Bancard and 16 commentsGrifters and Con artists run North American Bancard
There is a very special place in Hell for North American Bancard. Tell everyone you know not to trust this company, spread the word! I am going to implement a class action suit with others I have spoken to. If you are a lawyer that would like to help us with this please contact me. This company preys on small businesses, is completely without scruples and must be stopped. They stole my money starting in Oct 2010, deducting it from my account with no service ever given. I repeatedly tried to get them to stop. They finally asked me to send all bank statements proving that they were deducting money from my account, which I did. (Why do we need to prove it to them, don't they keep records of who they screwed over?) Their response? To deduct more money from my account. The man who sold me the service, Mr. Myron Pogue, skipped town and never followed through on getting their plan set up. The worst part is that right when I thought I was going to get a return of the money they stole, they say their records show no such phone calls stating they agreed to this. I actually had to close out my bank account to stop these vampires. Yet they continue sending bills every month. North American Bancard is going down! They went after the wrong small businesses. People have the power! Contact me if you want to join this effort. [protected] [protected]@hotmail.com
LEGAL FRAUD -- Cancel you to late to refund you.
As many others have complained about the PCI compliance fee being shoved down their throat I want to expose what NAB has done to me. The fact that they charge you this fee and act as if they are performing a service with Mcafee who is also in on this is uphalling "signup without knowing it" crap. I'm hoping this is illegal and am considering consulting a lawyer for initiating a class action lawsuit. I didn't get any Mcaffee assessment or anything that they promise to make me PCI compliant . Its basically a "we charge you for not doing anything" approach . You basically sign up for this automatically by not filling out a pci compliance form." I still had no problem with this except that they charge you the fee and don't do anything for you. Its not a penalty that your are not PCI compliant. Its a "we work with a certified provider to make sure your pci compliant". Mcafee wouldn't even know where to begin checking our systems as we do not use swipe machines and are internet transaction based. READ other's who have had similar problems communicating with these two companies about how all this works. Causing confusion and quoting sections of there intial agreements is all you hear with there customer service. They hire customer service reps that sound more like lawyers and are drones.
The main point I have is there customer service telling you that if you want to cancel the PCI service (which is billed for the YEAR AHEAD). They tell you that you can but that your account must be closed by a certain date to get the refund for PCI Compliance (which is for a YEAR ahead, not prorated amounts here). Basically in my situation I was told that if my account was cancelled by April 30 that I would get the "YEAR AHEAD" PCI compliance fee returned. At no point did the rep tell me how long to wait for account cancellation. Why not 5 days, 10 days. The cancellation was not in my hands it was in their hands which makes it sooo convenient to cancel you for the "YEAR AHEAD" service after there deadlines. I cancelled and based on my previous experience, where you get put on hold till you quit, I predicted the scam would happen. I knew that they wouldn't cancel my account by April 30th and tell me that they wouldn't refund me cause it was too late (again this is for a YEAR ahead charge).
Now its May 3rd wallah there scam materializes. They put me on hold for a looonnnggg time (their approach to getting you to give up your money). The reps says your account wasn't cancelled by April 30th so I apologize we can not give you a refund. I told them how come you couldn't cancel it earlier (no answer ever to that question). I start yelling cursing screaming. I never ever did this on a phone in my life I promise you. I told the rep he should be ashamed of himself for working with a dishonest company. This company is so dishonest. For years I dealt with cryptic fees that are not added up for you automatically. I ended up paying up to 6% (transaction fees, extremely high percents for cash back cards, statement fees...) of what I charged my customers with all fees including statement fees (charging $2000/mo). They show you 2.x% or 3.x% percent but they put them with other fees in different sections making you think that they are repeating certain information. When in fact you have to be a banking industry professional to know how to sum everything up... They don't give you a "here's your total amount taken out" approach that other fine credit card processing companies such as Google Checkout and Paypal. I have automated our systems to bill our customers with paypal and google and I am happier than ever to get out of this terrible relationship that is like an abused spouse relationship. My grammar here is so bad. Its purely because I'm so flustered and want to write about this horrible company called North American Bankcard so fast. I never ever wrote a single bad review for any company except this one because usually its not this corrupt and I don't have the time running my company. LEGAL FRAUD. If you don't believe me or if you believe those other "positive reviews" keep googling this company and find out why so many customers are writing similar things. I guarantee you that companies like this are the players that produced the financial crisis. They work on the basis of you not paying attention. I don't have hours and hour to check on things I didn't explicitly sign up for. They should make it law that accounts are suspended if new rules need to apply and you don't approve the changes. But charging people automatically for services that are not performed is going to be the downfall of our GREAT AMERICAN ECONOMY. I am seeing practices like this and I coin them "LEGAL FRAUD". These people don't realize how much I didn't bill with them after I moved out ($8000/mo) and ever growing. Don't be fooled by the calm and well trained customer service staff that will NEVER give you a penny or what you want. I promise you I'm no penny pincher and that the $99 I lost with them felt like $10000.
If anyone else has similar problems. I want to take this to my lawyer (class action). Post on this website and if I get enough experiences I want to take these guys out in a court room. All for $99. Again excuse the bad writing.
these SCAM ARTISTS stole my money!
North American Bancard has been stealing my money for 4 months now. I repeatedly tried to get them to stop and they could care less. They finally asked me to send all the bank statements proving that they were deducting money from my account, which I did. Their response? To deduct more money from my account. The man who sold me the service, Mr. Pogue...
Read full review of North American Bancard and 12 commentscredit of funds taken out of account that should not have been
My complaint is that North American Bancard withdrew $1100.00 out of my account in error. They told me that they would put it back 3 to 5 business days. 2 weeks later the money is still not in our acccount. They don't hesitate to take money when it is there mistake even, but they sure don't want to give it back to you, and all they say is sorry.. But that doesn't make a difference.
They took the money on Oct 18, sent me an email saying that it was processing and it would take 3-5 days called on the 20 and they said that is was in process. Called again on the 25 they said that it had not been 3-5 days yet that it was processed on the 20th (What happen to the 18) . They would not let me speak to a supervisor. On the 26 they said that it was submitted on 10/20 that it takes 3 -5 business days and said that a Supervisor would get back to me. On 10/27 they said that the person did not send complete documentation for the credit that it was held up because she was not in for a couple of days. On 10/27 A supervisor called back and said that a ACH credit would be submitted that it should be in my account by Friday 10/29. On 10/28 received an email that the ACH Credit would take 2-3 business days. Taked with them after the email and they said that it would be there on Friday. 10/29 at 5 pm the money was still not there and they could care less.. I have even tried to call the president Marc Gardener ( I called him 3 times) and he has not even returned my call.
That is what we call good customer service. Let take money out of someones account and not put it back.
I would not recommend this company.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
In regards to your Merchant Account No. [protected]****, we see this matter as being closed as you were dealing directly with one of our Customer Service Managers in order to expedite this issue.
Our records indicate that on Friday, October 29, 2010, the ACH deposit was sent to your financial institution but was rejected back to us by your financial institution. On Monday, November 1, 2010, we did a wire transfer in the amount of $**** and added a courtesy credit in the amount of $100.00 for all your inconvenience.
Please feel free to contact Diana at [protected] for direct resolution in the event you should have additional assistance.
Sincerely,
Diana
Service
I signed up for a merchant account on Thursday September 2, 2010 with a new account agent. I was told that if I finished up everything on Thursday, then the wireless terminal that I wanted would be shipped on Friday and arrive sometime in the beginning of next week. I was assured that it would arrive at the beginning of the week. This was a very important selling factor, being that I needed the machine before I opened my new business on Friday September 10, 2010. Well, it didn't happen. I do understand that Monday was Labor Day, but the terminal was not shipped until Tuesday 07, 2010. What is even worse, is that it was shipped via UPS ground and scheduled to arrive on Monday September 13, 2010. When I realized this, I called Mr. Agent on Wednesday September 08, 2010. He said that he would work on it and that it should have been shipped on Friday and he didn't understand why it wasn't. I suggested the possibility of overnighting a different machine. He told me that he would call me back that day. Well, by 7:00PM CST I hadn't received a call, so I called him and was informed that nothing could be done that day and that he would let me know something Thursday morning. He called me Thursday morning and suggested that I call UPS and try to speed up the delivery time, however there may be an additional charge to me for the extra delivery cost. Of course, I wasn't very happy about that and expressed that to Mr. Agent. He told me to call him if there was a charge, however this ended up not being an issue as UPS could not change the delivery method. Well, I told Mr. Agent this and he was supposed to call me back. I understand that this may not be as big an issue for him and he has other responsibilities, but for me it is very important as I need this machine to open a business the following day. So after an hour I tried to call him, left a voicemail. Called an hour later, again voicemail. I then called another agent to get some information about what was going on, but the agent didn't have access to Mr. Agent's accounts. Shortly after, Mr. Agent returned my call only to inform me that there was nothing he could do and they could not overnight a new terminal for the next day.
I am very disappointed with the service I received from North American Bancard. I chose the company partly based on their ability to provide a terminal quickly and was assured that there would not be an issue. However, they were unable to deliver. Had I known this ahead of time, I would not have gone with this company. This has really put me in a bind and added extra worry for me during an already stressful time. What makes me even worse, is that I offered the possibility of an overnighted terminal 2 days prior to opening and felt like nothing was being done to take care of the problem and that it wasn't important to my agent. I would have paid for overnight shipment, had Mr. Agent confirmed that it was necessary and possible. But now, it is almost close of business on Thursday prior to my business opening and I am running out of options.
The complaint has been investigated and resolved to the customer’s satisfaction.
Hello DukeL,
Your account has been removed from all collection agencies. A follow-up inquiry will be sent to each agency to assure that all loses have been cleared.
If additional assistance is needed, please do not hesitate to contact me at [protected], extension 1251or via email vjanckson@nabancard.com.
Sincerely,
Veronica Jackson
Research Analyst
Rebecca,
You said "we have canceled your account and removed all amounts from the collection agency". But why has the NAB placed the cancelled/clear account with another collection agent! ?
As I have advised numerous times via email, although your claims are not completely factual, we have canceled your account and removed all amounts from the collection agency.
In regards to First Data Leasing, we are not party to any lease agreements. That would be an agreement with a third party provider, and unfortunately we can not assist with any aspect of that, however you are able to share with them our correspondences if needed. You would need to work with them directly.
No credits are due to the business as we have cleared all previous losses.
Again, we apologize for any misunderstandings that have occurred with your account and wish you the best going forward.
Thank you,
Rebecca
Rebecca,
Not only what you wrote but also the amount the NAB had been debited to our bank account before November 01, 2010, based on the term of the NON-BINDING contract should be reimbursed.
Please understand that no one would do $ business with people who tricked and forged documents.
Again, We have responded to you via email.
Thank you,
Rebecca Paull
Rebecca,
According to the PayProTech who signed the Merchant's application, the equipment was the LEASE equipment of the First Data, and it's NOT the FREE equipment of the NAB. Until now, there is no reprogram PC Charge software setting up for us to perform any credit card transaction.
Please read the last paragraph of the Merchant's Acceptance section in the Merchant Application. It clearly states:
"A MERCHANT'S SUBMISSION OF A TRANSACTION TO GLOBAL DIRECT SHALL BE DEEMED TO SIGNIFY THE MERCHANT'S ACCEPTANCE OF AGREEMENT, INCLUDING THE TERMS AND CONDITIONS HEREIN." Hence, we've never submitted any transaction, therefore is NO ACCEPTANCE of the Agreement.
The card service agreement without the Merchant's ACCEPTANCE is the NON-BINDING contract, and the NAB withdrew money from the merchant's bank account based on the term of the NON-BINDING contract was an act of a thief, and by sending the the merchant account to a collection based on the NON-BINDING contract was totally illegal."
Rebecca,
Yeah! It's misunderstanding that the PayProTech (forgery) turned the FREE equipment (of NAB) into the LEASE equipment.(of First Data), and the PC Charge was available that located (hidden) somewhere that we haven't known. The deal was the NAB reprogram our PC Terminal, not we reprogram our PC. I look forward to see what's in your additional information.
Rebecca,
The card service agreement without the Merchant's ACCEPTANCE is the NON-BINDING contract, and the NAB withdrew money from the merchant's bank account based on the term of the NON-BINDING contract was an act of a thief, and by sending the the merchant account to a collection based on the NON-BINDING contract was totally illegal.
The NAB shall be responsible for any damages caused by its acts!
DukeL,
We have received back the equipment that was provided for free, and we had also built a file for the PC Charge that was available for download and processing at your convenience.
We apologize for any misunderstanding and will be sending you additional information via U.S. Postal mail.
Thanks,
Rebecca Paull
Research Manager
Rebecca,
We sent a letter dated 10/27/2010, and we specifically asked for the copy of origin contract, not illegible document. You responded, on 11/01/2010, that you want to resolve the issue without further delay, however, you did not provide us a copy of the origin contract as requested, but a copy of illegible copy of copy of fax (I understand that you would tell me that you didn't keep or lost the origin contract). On 11/16/2010, I response to your 11/01/2010 letter trying to resolve the merchant issue of the NAB refusing to provide the FREE terminal and software as clearly indicated on the application (I clearly understand that you already said you not receive it!). Since then, I heard no response but one year later, the merchant account in collection.
Rebecca, since this is the first time I heard that the NAB sent us a FREE terminal as indicated on the merchant application, can you provide (or write) us a statement states that the NAB already send us a FREE terminal on date xxx? I want in writing!
Assume that the NAB did send the "FREE" terminal to us, then why did the NAB refuse to reprogram PC Charge software as clearly indicated on the application?
DukeL,
We received a correspondence from you on 10/27/2010. On 11/01/2010, we responded asking to please provide specific information, as the letter your sent was simply asking for a copy of all contracts and that you would like to stop any charges.
Again, we show that we shipped the requested free terminal and swapped it when there was an issue with it.
I urge you to reach out to me directly so that we can actually assist you.
My email is rpaull@nabancard.com.
Thank you,
Rebecca
Unauthorized Debit From Bank Account
I had a one year agreement, or so I thought, with North American Bancard. I terminated my account with them after 23 months. I had my bank account debited for $300.00 for an early termination fee. When I called them they told me I had a three year agreement and could not find the addendum to the contract that indicated I had a one year contract.
I called nimerous times, submitted copies of the paperwork I had, including the addendum, and was told it was no good because their signatured were not on the addendum. Everything was set up by FAX, so there were no signatures on any of my copies. They refused to discuss the complaint any further.
I know what happened. To get my business, the sales agent, Kevin Briscoe, told me there was a one year agreement (I would not agree to a three year agreement), sent me the one year addendum, and trashed it when I signed and returned it.
North American Bancard is run a SCAM when setting up new accounts.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
In regards to your Merchant Account 0878********15, the length of the agreement is within the terms and conditions. Section 13 Term and Termination Section states, “This Agreement shall remain in full force and effect for an initial term of three (3) years.” We did receive the paperwork for the addendum to the length of the agreement and it was signed by neither the agent nor the manager.
Our records indicate that we were not advised of the addendum to the agreement until after the Merchant Account 0878********15 had been closed and incurred the $300.00 cancellation fee.
Should you have any questions regarding this response, please have your Merchant number ready and contact Diana at [protected], so that your specific situation may be properly researched and addressed.
Sincerely,
Customer Care
service fees
I have read the complaints against NAB on this sight and I don't want to dwell on the strain they put on my business, both financial and emotional. They extracted a total of $1340 in penalties from my account when I tried to close my contract with them, after one month. They did not even have my signature. I would like to say that if you have a complaint against this company PLEASE alert the Federal Trade Commission, if they get enough complaints they will investigate this ruthless company. Also send your complaint the Michigan Attorney General's Office. Do not let Rebeeca Paull and her subversives intimidate you. Fight back and don't give up.
The complaint has been investigated and resolved to the customer’s satisfaction.
Hello Richard,
I fell for their trick also. I cancelled the account on Dec 2010. I received a cancellation confirmation and every end of the month they debit fees as if I'm still their customer. I called today and their senior rep says that I have a second account that I have not cancelled and its beyond my 45 day cancellation period. The funny part is when they send me a contract that my salesman gave them, it shows more pages than the copy he gave me. He actually had the nerve to forge my initals on the pages he never showed me that shows a contract. I'm ready to take these guys down if you are. Let's get a big number of their victims and sue and get our moneies back.
I'm in the same boat as you. I want us all to get together and resolve this the hard way because they don't want to listen.
Give me a call if you want to join us [protected]. My goal for the next month is to get my money back for forgery on my contract and a second account bogus information. .
Hello Richard,
I'm in the same boat as you. I want us all to get together and resolve this the hard way because they don't want to listen.
Give me a call if you want to join us [protected]. My goal for the next month is to get my money back for forgery on my contract and a second account bogus information. .
Richard Robertshaw DC (MID [protected]****0)
First and foremost, I would like to apologize for any inconvenience that you may have experienced. Our records indicate that someone signed a Merchant Account Agreement Application as well as a Free Terminal Program Agreement with North American Bancard on or about November 10, 2009, for a term of 36 months, upon which time they agreed to all the terms and conditions contained within the Agreements on your behalf.
In regards to the cancellation fee, Section 13 contained in the Terms and Conditions clearly states, “Any merchant who terminates this agreement prior to it's termination date is responsible for any and all monthly fees assessed under the Agreement for the remainder of the then existing term of the Agreement, including all minimum monthly fee commitments, which in no case shall be less than $295.00.”
We have made numerous attempts via correspondence both directly to you and through the Better Business Bureau to complete a forgery affidavit. To date, this has not yet been completed and returned.
In regards to the cancellation request you stated was requested a month after signing, all cancellation requests would need to be by writing and are not able to be canceled verbally. As stated in our correspondence to the BBB dated January 15, 2010, our records do not indicate any incoming calls until January 2010 in regards to a request for an address nor a cancellation. In January, you would have exceeded your 45 day guaranteed which was December 24, 2009.
In closing, any and all fees still apply. The forgery affidavit would need to be filled out and returned for further research. Once received back and research has been completed, any and all fees that were charged to the Merchant Account would be credited back, if it is deemed that the Merchant Account was opened under fraudulent pretenses., as well as the terms and conditions of the Agreement. Should you have any questions regarding this response, please contact Diana at [protected].
Rebecca Paull
Research Manager
Fradulent and Deceptive
We were solicited by a rep for this comapny that lied about the terms of the contract and charges too.
After calls and e-mails from this company, which left me completely unsatisfied, I checked their reputation on my computer. There I found many letters and complaints just like our own.
I also attempted to contact the sales rep that said he lived in this area, he is nowhere to be found. I then called the number on the card, no longer available, and NAB didn't even recognize their previous employees name.
This is a disgrace that this company even exists anymore. There are liars and thieves.
We are a small family owned and operated business. Beware of anyone that comes in representing this company. There are still taking moneys from our account and we haven't processed through them since Oct. of 2009.
The complaint has been investigated and resolved to the customer’s satisfaction.
Hello DukeL,
Your account has been removed from all collection agencies. A follow-up inquiry will be sent to each agency to assure that all loses have been cleared.
If additional assistance is needed, please do not hesitate to contact me at [protected], extension 1251or via email vjanckson@nabancard.com.
Sincerely,
Veronica Jackson
Research Analyst
Rebecca,
You said "we have canceled your account and removed all amounts from the collection agency". But why has the NAB placed the cancelled/clear account with another collection agent! ?
As I have advised numerous times via email, although your claims are not completely factual, we have canceled your account and removed all amounts from the collection agency.
In regards to First Data Leasing, we are not party to any lease agreements. That would be an agreement with a third party provider, and unfortunately we can not assist with any aspect of that, however you are able to share with them our correspondences if needed. You would need to work with them directly.
No credits are due to the business as we have cleared all previous losses.
Again, we apologize for any misunderstandings that have occurred with your account and wish you the best going forward.
Thank you,
Rebecca
Rebecca,
Not only what you wrote but also the amount the NAB had been debited to our bank account before November 01, 2010, based on the term of the NON-BINDING contract should be reimbursed.
Please understand that no one would do $ business with people who tricked and forged documents.
Again, We have responded to you via email.
Thank you,
Rebecca Paull
Rebecca,
According to the PayProTech who signed the Merchant's application, the equipment was the LEASE equipment of the First Data, and it's NOT the FREE equipment of the NAB. Until now, there is no reprogram PC Charge software setting up for us to perform any credit card transaction.
Please read the last paragraph of the Merchant's Acceptance section in the Merchant Application. It clearly states:
"A MERCHANT'S SUBMISSION OF A TRANSACTION TO GLOBAL DIRECT SHALL BE DEEMED TO SIGNIFY THE MERCHANT'S ACCEPTANCE OF AGREEMENT, INCLUDING THE TERMS AND CONDITIONS HEREIN." Hence, we've never submitted any transaction, therefore is NO ACCEPTANCE of the Agreement.
The card service agreement without the Merchant's ACCEPTANCE is the NON-BINDING contract, and the NAB withdrew money from the merchant's bank account based on the term of the NON-BINDING contract was an act of a thief, and by sending the the merchant account to a collection based on the NON-BINDING contract was totally illegal."
Rebecca,
Yeah! It's misunderstanding that the PayProTech (forgery) turned the FREE equipment (of NAB) into the LEASE equipment.(of First Data), and the PC Charge was available that located (hidden) somewhere that we haven't known. The deal was the NAB reprogram our PC Terminal, not we reprogram our PC. I look forward to see what's in your additional information.
Rebecca,
The card service agreement without the Merchant's ACCEPTANCE is the NON-BINDING contract, and the NAB withdrew money from the merchant's bank account based on the term of the NON-BINDING contract was an act of a thief, and by sending the the merchant account to a collection based on the NON-BINDING contract was totally illegal.
The NAB shall be responsible for any damages caused by its acts!
DukeL,
We have received back the equipment that was provided for free, and we had also built a file for the PC Charge that was available for download and processing at your convenience.
We apologize for any misunderstanding and will be sending you additional information via U.S. Postal mail.
Thanks,
Rebecca Paull
Research Manager
Rebecca,
We sent a letter dated 10/27/2010, and we specifically asked for the copy of "origin contract", not illegible document. You responded, on 11/01/2010, that you want to resolve the issue without further delay, however, you did not provide us a copy of the "origin contract" as requested, but a copy of illegible "copy of copy of fax..." (I understand that you would tell me that you didn't keep or lost the origin contract). On 11/16/2010, I response to your 11/01/2010 letter trying to resolve the merchant issue of the NAB refusing to provide the "FREE" terminal and software as clearly indicated on the application (I clearly understand that you already said you not receive it!). Since then, I heard no response but one year later, the merchant account in collection.
Rebecca, since this is the first time I heard that the NAB sent us a "FREE" terminal as indicated on the merchant application, can you provide (or write) us a statement states that the NAB already send us a "FREE" terminal on date xxx? I want in writing!
Assume that the NAB did send the "FREE" terminal to us, then why did the NAB refuse to "reprogram" PC Charge software as clearly indicated on the application?
DukeL,
The only correspondence we received from you was on 10/27/2010. On 11/01/2010, we responded asking to please provide specific information, as the letter your sent was simply asking for a copy of all contracts and that you would like to stop any charges.
Nothing was received after that.
I show that we shipped the requested free terminal and swapped it when there was an issue with it. I do not see where anything was refused.
I urge you to reach out to me directly so that we can actually assist you.
My email is rpaull@nabancard.com.
Thank you,
Rebecca
positive review
I have had a very positive experience with North American Bancard. Their customer service has been excellent and has addressed our needs in a timely manner. Not having to worry about our credit card processing has allowed us to concentrate on our business at hand. Having such a customer oriented partner has really been a blessing. I am already seeing the savings from the lower rates and minimal fees.
The complaint has been investigated and resolved to the customer’s satisfaction.
Oh, come on people! Do you really believe that out of over 500, 000 customers there's not a single happy customer? Really? Why don't all of you read completely what you are signing BEFORE you sign it. Also, why don't you thoroughly read the email and the paperwork that is sent to you after your account is approved? You have 30 days to review (this is listed in the contract) and cancel, if you choose to, after the account is approved. And YES! I sell for NAB and have for many years. The difference is I do not lie to customers or prospects. I earn a great living because my customers stay on the books, and this is because I am truthful with them and I take care of them after I write them up. The issue of bad reps follow every single processing provider. It just so happens that NAB/Global is HUGE. I wish when there are consistent complaints that follow a rep that NAB would cancel their contract, but I am the low man on the Totem pole. It shocks me that people who own/run a business, balance checkbooks, hire staff, manage staff, take out loans to start or run a business, do not thoroughly read and ask questions about what they are getting ready to sign.
Did you get a raise for posting that comment? Please, don't insult our intelligence, we all know you are a NAB employee. If NAB actually provided honest and ethical service to a business, we would like to know who that company is? Because you might be the first person in history who NAB did not steal from, lie to, and cheat. You are like Bigfoot, we need proof you exist.
you must live in a different world if you had that positive of an experience...liar..
Yeah, ok. It is evident you work for the company and just wanted to add a positive review for them. I hope your company goes down.
Stolen Social Security Number
I had an interview with North American Bancard almost 2 weeks ago for an Administrative Assistant position. First of all, this "financial institution" is located on Fifth Avenue and they should be ASHAMED to offer $11 an hour for this job. I am a college graduate with experience. I still went because Mandy, the interviewer, seemed very nice on the phone and quite honestly I'm desperate for a job. I found it odd that I had to fill out an application all over again upon arrival to the interview with the same exact information that was on my resume. It asked for my SSN, and I thought twice, but stupidly put it anyway thinking I needed it. Well needless to say I came online here and found out what a sham this company is. I called Mandy a week after the interview to follow up. I had to go through numerous trials to find her number (she blocked hers when originally calling me). She sounded suprised, annoyed, and appalled to hear from me and rushed off the phone with me. I am very worried they are using my SSN and information to further their scams in the company. Now I learned to research companies before I interview.
Yeah, okay. And tell Mandy thanks for never getting back to me on the position. I wouldn't want to work for such a fraudulent company anyway. Well written responses to negative reviews of your company doesn't make you legit.
The complaint has been investigated and resolved to the customer’s satisfaction.
Dear Applicant,
We are sorry to hear you were dissatisfied with our application process.
We ask for an employment application to be filled out, in addition to the resume, so we can have the information on file for future employment. It is protocol for our office and was in strong advisement from the company that handles our Human Resources. Your social security number on the application was optional and had we been asked we would have told you it wasn't necessary. We are sorry for the confusion.
Rest assured, we have your information under tight security and have not and will not ever disclose anything on the application.
Regarding the salary for the position, it was at your discretion if you wanted to take the meeting or not. The monetary compensation was based solely on the level of difficulty of the position and not on your level of education.
Lastly, if you needed a phone number, business cards are on every desk. If you feel we were short with you on the phone, it's because we are incredibly busy. We apologize if you feel disrespected.
Good luck on your job search.
Sincerely,
NY NAB
North American Bancard is a scam
North American Bancard or nabancard.com is a scam! Be very cautious if you decide to use North American Bancard to process your small business credit card sales. I somehow ended up with a three year contract, with which I was actually fine with. I was the victim of a stolen identity/credit card fraud case about two months ago. All my credit cards and...
Read full review of North American Bancard and 12 commentsNorth American Bancard, PCI Compliance Trouble, Possible Scam/Fraud/Deceptive Practice - Credit Card Processing Services
North American Bancard, PCI Compliance Trouble, Possible Scam/Fraud/Deceptive Practice - Credit Card Processing Services
DECEMBER, 2008
Here is a story I urge anyone considering a merchant account, or have one already, to read. It involves some very strange practices by a credit card processor, North American Bancard. My hope in writing this is to bring light to this issue, since PCI compliance is an unknown to most small merchants.
I hope other processors do not follow in the steps of North American Bancard. I'm not sure if what North American Bancard is doing is illegal, but it sure sounds bad and at least has to be considered deceptive.
Sometime in late 2008 I referred a friend of mine to North American Bancard (NAB) for credit card processing. They ran a small grocery store and needed a simple swipe machine. They received their merchant account from NAB and started their business and use of the machine. Sometime in November/December a statement came in the mail with a note saying that there will be a PCI compliance fee of $79.99. I offered to help find out what this PCI compliance was and get them 'compliant'.
I first spoke to NAB in early December, asking what the fee was for. They said it was to get us PCI compliant. They made it sound pretty simple, pay the fee and you are compliant. The fee was $79.99 per year. I inquired if we can get our compliance from someone else, as it sounded pretty strange to begin with. The representative said I could go somewhere else for the service, and if I provided the compliance paperwork they would remove the charge. It's good to do some research before blindly paying a fee, maybe it was cheaper elsewhere? Some research was due.
Asking a few more questions, I found out that the fee was apparently for help from Mcaffee (the virus and security company) for their PCI compliance service.
Doing a bit of research on the internet, I found the the official PCI compliance website, or more properly the "PCI Security Standards Council" at http://www.pcisecuritystandards.org/
You can read a summary about the PCI organization at: https://www.pcisecuritystandards.org/about/index.shtml
It's basically a council formed by the big credit card companies to come up with security standards to help avoid credit card fraud.
Looking at the website initially can be overwhelming, and I think this is what NAB is counting on, the merchant getting 'lost' in all the regulations. Digging more into the site gave a list of approved security vendors, which I might require the help of, to get PCI compliant. They use acronyms for their certified for these folks.. QSAs (Qualified Security Assessors), PA-QSAs (Payment Application Qualified Security Assessors), ASVs (Approved Scanning Vendors). The heart of the regulations appear to be aimed at big retailers or other big businesses which store your credit card number and other information. Although it applies to everybody, there are obviously differences in the regulations (and compliance requirements) between a grocery store running 5 credit cards per day on a terminal machine and a big company like Sears or Amazon, which might collect and store information on thousands of customers per day. These rules appear to be aimed at preventing the major breaches in customer information (and hence fraud) we hear about in the news so often these days.
A call to one of the approved providers got me some helpful information. He asked me a few questions and in the end told me to go to the PCI compliance website, fill out the appropriate self-assesment questionare sign it and that was it. He seemed disappointed when I told him we only had a dial-up terminal, and he explained they mainly deal with big companies who need security advice and scans on their networks and servers. I'm sure he was not happy that I couldn't be a customer of theirs, but he was polite and honest in explaining that I didn't need their service.
I further dug into the PCI compliance website. There I found the 'Self-Assessment Questionnaire'. Reading the requirements again, it states that if you have small volume with only a dial-up terminal, you qualify to fill out the questionnaire and sign it. Sounds good, this is what the security provider told me. We fill out the forms (which stated pretty basic stuff like securing the little paper receipts with the card information on them) signed them and faxed them in to NABs PCI compliance division. This was in early December.
We got a call from NAB in late December stating that the PCI compliance paperwork was incomplete. When asked why, we were given the answer that we needed a 'network scan' from an approved PCI vendor. We explained that we were told by a PCI approved vendor that since we only had a dial-up terminal we didn't require a scan. NAB told us no, that we needed one and if we didn't get one the fee would be charged.
OK, before I continue let me give you some background on the store where this supposed 'scan' has to take place. Its a grocery store about the size of your living room, has two employee/owners, a married couple running the whole thing. The business does not have any computers. The only computer this couple owns is at home, which I estimate is at least 5-8 years old, no internet access (they canceled it a while back when they couldn't figure out how to use the computer). If you have any friends like this you know what I'm talking about, they can't use the mouse properly and it takes them about a minute to find and type out one word. When they do turn it on every 3 months, you get a frantic call asking how they shut it down because you told them that just turning it off was not good... it's START.. on the lower left hand corner.. then SHUT DOWN.
Back to the NAB call.. they told me that I can speak to their compliance provider if I had any questions. OK, good, got their number*, and this turns out to be Mcaffee's PCI compliance division. A call to Mcaffee brings a helpful gentlemen on the phone, I will not use his name on the internet, but will call him M-REP1*. I explained to him the situation and asked about this scan. He knew my situation precisely. He told me that they have been getting a LOT of calls from NAB merchants just like us, and he said that since we only have a dial-up terminal a scan cannot be made. He also told me the exact same thing the PCI compliant representative did (from our initial contact with another PCI verified vendor) on our inquiry several weeks before: To go to the compliance website and fill out the Self-Assessment Questionnaire, sign it and send it to your merchant processor, and that would be all that is required. I said we already did that, thanked him and hung up to call NAB back.
I called NAB back. Spoke to a customer service representative and explained what Mcafee and the original PCI vendor told us.. they put us on hold to ask a supervisor. When they came back they again told us we needed to have a scan done, and that if we didn't get one they would charge us the $79.99 to get it done. I honestly didn't know what to say at that point. What were they going to scan? No coherent answer was given to this question. After the call I wasn't sure what to do, 2 PCI verified vendors were telling me one thing (one of them being the compnay NAB was supposedly contracting to do these scans) and NAB was telling me something else. Out of desperation I called Mcafee back.
I called Mcafee back and out of sheer luck I got the same person I spoke to before. I explained to him what NAB said and he seemed outright frustrated, he told me again of all the calls they have been getting from NAB customers, I told him I though this was a big scam, he said nothing. He explained again that since there was no network he could not issue me any 'scan' certificates, and reiterated that all I needed was a self signed certification for the dial-up terminal. I told him I knew this, but NAB didn't want to believe me. I asked if he could send me any official statement about this, he graciously agreed and in a short time I got an official written record from Mcafee's PCI certified compliance department explaining that they could not issue me a scan certificate since there was nothing to scan, they also mentioned (again) that for a dial-up terminal all I had to do was fill out and sign the Self-Assessment Questionnaire, which was available free for everyone on the PCI councils website, he even provided a link to it.
Reading the PCI compliance website some more, this makes sense, if you have a plain old dial-up terminal the only possible avenue of fraud is the information on the little receipts it prints which the customer has to sign. If you secure these, there is no other avenue of possible fraud (this is mentioned and its security is required in the certification you have to sign). Of course there is the dial-up terminal itself, but this is provided by NAB and you have no real control of the security aspects of this terminal. By the way, the terminal itself IS PCI compliant already.
I have sent this information to NAB and I'm waiting for their response. I don't expect to hear back from NAB any time soon, it doesn't matter at this point, if I get this charge removed or not I will continue to collect information and post my experiences with NAB, hopefully informing other small merchants of this practice. I know from talking to the PCI representative that this is a widespread issue and NAB is trying to collect erroneous fees from their small unsuspecting merchants, the small month and pop shops who usually will not research this issue and will probably just pay the fee. For these merchants I'm not even sure what the supposed PCI service that NAB is charging for is. Since they always seemed to reject the validity of the self-assessment questionnaire that is posted on the councils site. Their $79.99 scan of thin air will accomplish zero for these merchants. Reviewing, filling out and complying with the councils questionnaire is all that is needed.
I'll leave you with one more bit of information, during my Internet searches I came upon a list put out by VISA which is posted on their site, named the "List of PCI DSS Compliant Service Providers". It is a PDF document with PCI compliance status of service providers. The list is available here:
http://usa.visa.com/download/merchants/cisp_list_of_cisp_compliant_service_providers.pdf
And as of the end of December 2008, if you do a search in the document for "North American Bancard" you will see them in the list with a compliance date in YELLOW text, what does this mean? According to Visa this is a service provider with a compliance report that is "... 1-60 days late are noted in yellow ..."
Now ask yourself if you are willing to trust or give business to a company that will provide a scan of something they cannot even describe, for a fee of $79.99, something that no one else is willing or capable of doing, and with which they appear to be late in complying with themselves.
If you are anyone in a position to help, State Attorneys office, credit card company personnel (VISA/MASTERCARD/.DISCOVER/AMEX), business organizations, someone from the PCI council, or just have a story or comment about this please email me at [protected]@gmail.com
*NOTE: I have omitted names, or used references to certain people, extensions, and some contact information to protect peoples privacy. If I am contacted by official sources who might help in this matter I will provide more information.
Regards,
[protected]@gmail.com
The complaint has been investigated and resolved to the customer’s satisfaction.
NorthAmerican is a merchant provider. They have made attempts to resolve issues.
See George, seems your board can contribute to doing some good.
I submit that you do verify post though, and remove those that are unfounded toward companies that try hard to please.
And you know who they are because you have received private-messages.
I have been meaning to file a complaint on North American Bancard for well over 8 months now.
1. I have been told over the course of a year that I am NOT under any kind of a contract, only to find out the hard way that I am. I found this out when I got sick and tired of the run around on behalf of this terribly unethical company and tried to cancel.
2. I am charged incorrectly every single month! Of course I call to correct this is issue, but then I am put on hold by every department I am transferred to. Also, each dept. will play the blame game and tell me that they are not responsible for these incorrect charges. Finally I am forced to speak with a manager, but rather than speaking with him/her on the spot I am told that I will recieve a call back within 48 hours. Rarely do they call me back!
3. Each and every month I spend at least four hours on the phone with these guys trying sort out why they have decided to once again over charge me! All I want is to pay this company the amounts that were originally agreed upon without the hassle!
I have never encountered a company that has lied so much to nickel and dime honest customers and get away with it!
They will not get away with it for too much longer though!
For all of you honest and hard working people, DO NOT AGREE to use this company for credit card transactions! You will be paying a lot more than you are legally obligated to, and it will take hours each month to correct, if they even do correct the issue!
This is ridiculous and a huge neusance
NAB is now having a regulartory fee of 99.00...Also annual network fees for debit cards and the list goes on.. Im interested in starting a class action law suit to make them pay everybody back what was illegally taken from them...this is probably only the beginning of the ripoff scheme...I will be checking responders daily to start this action...
NAB is not having a regulartory fee of 99.00...Also annual network fees for debit cards and the list goes on.. Im interested in starting a class action law suit to make them pay everybody back what was illegally taken from them...this is probably only the beginning of the ripoff scheme...I will be checking responders daily to start this action...
NA Bancard is the WORST company I have ever seen in terms of customer service (non-existent) and responsiveness, and now as I read these complaints I realize how I have been duped in paying so much PCI compliance fees last 3 years when my small business was not even required to! Even their monthly statements are now $15, up from $10 when I signedup, for no apparent reason. Class Action Lawsuit? YEAH - I AM ALL FOR IT! Alan-[protected]
Amazing that the NAB CEO's are not in jail yet. We have seen the demise of so many greedy and crooked corporations in the past 2 years in this country, and North American Bancard is no exception. Their time is coming, and the crooks who run that company will be spending their last days in prison because of all the decent mom and pop businesses they have hurt. Justice will be done.
I worked in merchant services for a while and all the companies I worked with were the same. They said just"get ink on paper" and tell them whatever they wanted to hear(the customers).I rode with my manager once and when he made a sale he held his big hand over a part of the contract so the customer couldn't see what was written and told them to "just sign here and here". We, also sold refurbished credit card processing machines as new
and they would shine them up with car interior cleaner, put them in a new box and lease them out for 79.00 a months for 48 months for a used machine that was probably worth about $150-200! A salesgirl in the office was notorious for"sleeping with clients" to get a sale
and she was one of the top sales reps and won all the awards.The merchants were snagged and nickle and dimed for every fee imaginable and once the company has electronic access
to the merchants account they can have a field day.Foreign merchants who couldn't speak good English were the best because the company could really rip them off good if they didn't understand what they were signing.That goes for anyone new in business and anyone friendly and real trusting too. Our regional office manager was making hundreds of thousands of dollars at this!
I own and operate a ISO (Independent Sales Organization) of North American Bancard. I just recently made a couple of videos about what is wrong with the Credit Card Processing industry and PCI Compliance Fees on YouTube http://bit.ly/i4SDxW and http://www.youtube.com/watch?v=-WVyRZbiwKo
The biggest problem by far is the individual sales agents. This entire situation could have been easily avoided if the representative would have properly informed and serviced his client. The unfortunate thing is that NAB along with many other processors do not train their reps on how to sell the services in an informed way. Basically NAB should not be dealing with individual clients at all, in fact I never want their customer service department to deal with my clients. They are really in business to support sales agents and registered ISO's (other businesses that create new merchant accounts). I have grown large enough to have my own customer support and tech support team to provide these services, but many agents must depend on NAB's customer support because they have no idea what they are doing. Also, you must understand that NAB's agents (along with Agents from many other processors) have the liberty to price their clients however they please with very little direction from the processor. So, you might have gotten burned by NAB or by Heartland or First Data Direct, or Mercury or anyone else, but in most cases, you really didn't get burned by the processor, you got burned by the greedy sales rep.
PCI Compliance is serious for small merchants. However, I agree that if their terminal is hooked up to a phone line, there is really no cost to provide the service of PCI compliance other than the time it takes to educate the merchant. The unfortunate truth is that all of the big processors now charge this fee as a way to cover liability, not as a fee to cover services provided. I recruit and train sales agents and it is always interesting when these reps tell me, "My current company doesn't charge a PCI Compliance Fee." This is a classic new rep statement. I always say, "Ok, let's patch them in to our call", and I ask them what their PCI Compliance Fee is. To the reps shock, they say it is $159 per year or $175 per year. They never knew there was a fee and they are about to have a bunch of really angry customers. In a recent study the average PCI Compliance fee across the industry was about $129.00 per year, not including the $25.00 per month, "Non-PCI Compliance fee" that I see on about 30% of the statements I get now.
So, what is the bottom line? NAB Has a PCI Compliance fee just like all the other major processors. If you are not getting charged a PCI Compliance fee and you have personally called your processor (not your rep) to confirm this, I can assure you they are charging you ridiculously high rates and you would probably save $50+ per month by switching to a larger, low cost provider that does charge a $79.00 annual fee, for a net savings. Processors have had all kinds of crazy fees for years and there are a few companies out their like mine that have tried to strip everything down to the minimum, like no annual fee, no "renewal fee" or other charges that are pure profit. Unfortunately, it looks like PCI Compliance fees are here to stay for a while. If you process over the internet you do need a PCI Compliance scan and if you don't...well, I wish I could tell you about a low cost provider who wouldn't charge you a PCI Compliance fee, but I don't know of one, so your best bet is to find the company with the lowest cost overall and before switching always ask, "How much is your PCI Compliance fee?" And when they say, "We don't have one!" You know that is not true because they definitely have a fee to keep merchants PCI Compliant if they process over the internet (or maybe they just leave them high and dry, not good either), so call the main office and verify what the fee really is before you switch. It is a stupid fee if you are connected to a phone line, but it is what is, look at the whole picture and go with the lowest cost, best service provider you can find. Hope this helps.
North American Bancard has NEVER worked diligently to resolve issues! I have been waiting for 2 weeks for a call back! They are just crooks. Or should I say greedy crooks. I have warned every customer I have that is opening a business NOT to believe their lies. They actually tried to charge me for American Express cards! And not just the transaction fee...but the rate as well! If you don't really check out your statement, you may have paid fees that were not legitimate! STAY AWAY FROM NAB.
North American Bancard should be shut down. I even have a letter the salesman gave me to get my business saying that I would never be charged a PCI fee. They just did! and it is now $99.00 per year. And to charge it every year! I have been told by a person who actually worked for a processing company that said it is really a scam. The fee is to help them with their payroll to actually do the work they are supposed to in the first place. I have been in business for over 14 years and I do know that I am compliant. It's built into the new machines! I have tried to contact NAB but get a run around every time! Since they made promises IN WRITING that they will not honor, I actually have a good case to go to court. I would rather a huge class action suit to put them out of business...since all I have ever heard about them has been bad. There needs to be some sort of regulation put on them to do honest business for a change. VOTING FOR CLASS ACTION!
unauthorized fees
Salesperson lied to me about monthly fees just to get me to sign up, convieniently failed to mention length of agreement that was hidden in fine print of 20 page contract. Customer service department had me on hold for 4 days before finally getting back to me. "Supervisior" did absolutly nothing to try to get this matter resolved even though I have a document which shows the monthly fee I agreed to.
The complaint has been investigated and resolved to the customer’s satisfaction.
NAB is cheater company
not even put found on merchant bank account on time.
they use it so many time I have to send them email to inform
we close batch and you have deposite my money in my account.
staff is rude and they agree to give $5 statement fee then without inform
they increase $20 . now they want more business god is great someone
start this movement to close this company.
Hey! found this post interesting on another site regarding one David Capra (aka ddave)
NAB Response
Re: Response to RipOff0464840 (/URL removed/)
Please publish this response on behalf of North American Bancard, Inc. (“NAB") to the unfounded complaint asserted by the anonymous poster referenced above. Based upon our review of the allegations which were raised by this anonymous party, and comparing them to emails which we have received from one particular terminated agent, we believe that we know the identity of the party who has raised these issues and respond accordingly.
This presumed agent (who has since been terminated) was paid a commission, but due to his request that his compensation be deposited to a non-checking account at a non-conventional bank, the payment was returned to NAB. However, while the payment was being returned, the merchant which this agent had brought to NAB terminated its processing agreement. Commissions paid to agents must be returned if the merchants they board through NAB do not satisfy certain minimum durational requirements. The merchant terminated its relationship before any sales were ever processed. Therefore, even if the commission had been received by this agent, it would have needed to be returned to NAB as the merchant did not maintain its processing relationship for the required length of time.
Furthermore, there is no way that the merchant could have been approved for any sort of future receivables purchase (which this terminated agent refers to as a “cash advance"); therefore, there is no basis for this terminated agent to suggest that he has been denied an additional bonus for a transaction that did not occur.
Additionally, emails which have been received from the presumed poster indicate that he instigated the merchant to terminate its relationship with NAB. He has boasted of his efforts in this regard. Such conduct would be a violation of any agent's sales representative agreement with NAB and would be grounds for termination.
In this terminated agent's emails to NAB's officers, employees and counsel, he has threatened to continue “smearing" NAB to its “clients" and to “trashing" NAB and its employees “on the internet". The fact that this terminated agent seeks to gain some advantage by personally attacking the good names and reputations of NAB's employees is particularly troubling. In fact, this terminated agent has described his actions as being “quite fun" (email of June 25, 2009 at 11:32) and used the expression “LOL" to describe his attitude as to “exposing" NAB. Unfortunately for the presumed poster, no measure of insults and defamation can alter the inescapable fact that he earned no compensation or bonus.
NAB strives to afford all agents with abundant opportunities to succeed. Agents are paid on a timely basis in accordance with their agreements and all efforts are made to faithfully and expeditiously investigate any issues that agents bring to our attention. With respect to the terminated agent who we believe to be the presumed poster of the negative report, our investigation clearly revealed that he was not entitled to any compensation and that he violated the terms of his agreement with NAB.
David Capra is a joke! LOL! I also work with Steve Trimble and he has always delivered on any promises he makes. What I have learned from your rants on the web are that you are a fake radio personality with a real issue in the fact that there is fat stuck in your head causing you to become blind to the fact that you are wrong! I have around 30 accounts with NAB as a honest Independent Agent and I have read my agent agreement and I know when I receive bonus commision and when I do not. You should have read that also. You should have known you don't receive anything when your merchant's are declined or close there account after you promise them advances when they can't even meet the needed requirements.
I worked as a sales agent for North American Bancard and have been ripped off in the tune of $800+. I notice that North American Bancard will respond to Merchants who complain about being ripped off however they fail to respond to their employees complaints.
Yes, my complaint about North American Bancard is all over the net. I will continue to post my complaint as I believe Sales Agents and Merchants alike should be warned of this company.
BTW, I've worked in Merchant Services for years and the reputable companies applications are 3 pages long. NOT 20!
North American Bancard is desperate to stay in business and will continue to use "smoke and mirrors" to do so.
I recommend that all Merchants work with companies that do not require 20 page contracts that are used as rebuttals to complaints.
If you're thinking of working as a Sales Agent for North American Bancard, DON'T DO IT!
Steve Trimble may try to recruit you and he will tell you so many lies and then scam you out of your commissions.
STAY AWAY FROM NORTH AMERICAN BANCARD!
HouseCalls Mower Repair,
The response posted by the NAB representative must be a form letter as I have seen it in respond to scores of complaints such as yours. Unfortunately, NABs sales practices are geared toward the "smoke & mirrors" approach - the sales representative - who is not an employee but an agent can be deceptive and lie to the merchant but NAB will welcome the account and has the most convoluted cancellation policy with fees based on nefarious loss revenue calculations - which are mostly bveneficial to NAB.
Stay away from them - find a more open processor which does not have scores of complaints posted about them all over the internet!
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, all Agreements list the fees that may apply to your account under the Pricing Schedule section. The Terms and Condition, Section titled “Terms and Termination”, of the Merchant Agreement indicates the length of the agreement.
The “Amendments” Section 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.
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 my office at [protected] Ext.1050, so that your specific situation may be properly researched and addressed.
Sincerely,
Kimberly Tippin
Director of Customer Contacts
They lie to get your money!
How this company continues to lie and steal from small businesses is unbelievable. Is anybody interested in trying to do something about it? If you�re interested please give me a call [protected] my email is dew2006 AT verizon.net maybe we can get a �Class Action Suit� going against them or gather enough complaints to attract the attention of the Attorney General.
In June of 2006 � I spoke with a salesperson that said he could save our company a lot of money processing credit cards; after a few months I realized that we were paying more then ever, I called customer service but they had the attitude that they could care less about what the salespeople say to sign up new customers.
Fed up with all of the fees being charged I stopped using their service in June 2008, my bank account is still being debited every month for $35 (5 x $35= $175) with no service being provided. On November 18th, 2008 I called to cancel the service and was told that I would be charged a $295 early termination fee because my 3 year contract wasn�t up (the salesperson lied) and that I needed to send back the Hypercom T7P (salesperson said I would own it after 1 year) or I would be charged an additional $495. I no longer have the Hypercom T7P because it wouldn�t work with the new credit card processing service, believing that I owned it because it had been over 1 year; I traded it for a new unit. Since I no longer have the unit I offered to send them a brand new (Hypercom T7P) which can be easily purchased for between $110 and $150, the customer service rep said I couldn�t do that and that I would have to pay them the $495.
$295 + $495 + $175 = $965 with no service being provided!
The complaint has been investigated and resolved to the customer’s satisfaction.
i closed my account in 2011, and had no issues with closing the account. i signed the letter i was supposed to and enclosed it with the equipment i had received from the company as instructed. now a few years later i have received a call from a collection agency that i did not close my account correctly and owed almost $1, 000. the woman at the agency yelled and berated me for not reading the fine print and demanded i pay something or she would "proceed". i found my paperwork that i owe nothing, and even called the company to double check. i received an email confirming my account was closed and i owed nothing, not even the equipment. i sent that info the collection agency and was accused of having a friend at the agency write the correspondence i received and forwarded to the collection agency. after receiving that confirmation from north american bancard, the collection agency has changed their story and are now claiming i still owe the equipment and sent me a copy of the letter i signed and enclosed in the package with the equipment. so, how is it that i owe the equipment if they have a copy of the letter that confirms i enclosed it with the equipment? it makes no sense, and feels like a massive scam.
Hello DukeL,
Your account has been removed from all collection agencies. A follow-up inquiry will be sent to each agency to assure that all loses have been cleared.
If additional assistance is needed, please do not hesitate to contact me at [protected], extension 1251or via email vjanckson@nabancard.com.
Sincerely,
Veronica Jackson
Research Analyst
Rebecca,
You said "we have canceled your account and removed all amounts from the collection agency". But why has the NAB placed the cancelled/clear account with another collection agent! ?
Yep.. Same old same old from Yani.. Including the fact that she apparently owns a computer repair store in another thread. You are obviously a fake.
Jeanbud,
My name is Scott, and I'm the Research Analyst at NAB. I'm sorry to hear that you're experiencing inconveniences with our company. Unfortunately, I am unaware of your specific account number to diagnosis your concerns. If you would like me to research your situation, please email me at Scott@nabancard.com. If you would rather call me directly, you may do so at [protected], extension 1256.
I was told I would receive missing funds from 6-30-11 to 7-4-11 (which had fallen off, whatever that means) in 7 to 10 business days from 7-19-11. Tomorrow will be 9 business days, no sign of my money. One month to receive funds is completely unacceptable. It has been a nitemare dealing with NABC. I have almost been put out of business. I am also trying to recover $279. in charges for nothing but 2 PC Charge CD's (pretty expensive). I just want my money.
Jeanbud
Hello Dendro, and anyone else this concerns,
Before taking such a time consuming, and expensive action as requesting legal assistance, we recommend that you contact our Research department for help. If you have a problem, let us solve it. It will be much more beneficial to you then to continue corresponding on this website. Please contact our Research Analyst, Scott, at [protected], extension 1256. This individual's primary responsibility is to make right, what has potentially been made wrong. If you are uncomfortable communicating with us over the phone, we can resolve your issue entirely through email, you may write Scott at scott@nabancard.com.
Hey guys, I am also interested in filing a class action suit against this den of thieves, North American Bancard. Let's join forces. StoneandBone, Jen213, Magdi, I will be contacting you among the others on this site who have been lied to and stolen from by this fraudulent company. We will get our money back. Call me at [protected] to discuss. It's tough enough being a small business without having to deal with con artists. NAB is going down.
I fell for their trick also. I cancelled the account on Dec 2010. I received a cancellation confirmation and every end of the month they debit fees as if I'm still their customer. I called today and their senior rep says that I have a second account that I have not cancelled and its beyond my 45 day cancellation period. The funny part is when they send me a contract that my salesman gave them, it shows more pages than the copy he gave me. He actually had the nerve to forge my initals on the pages he never showed me that shows a contract. I'm ready to take these guys down if you are. Let's get a big number of their victims and sue and get our moneies back. my number is [protected] Syracuse, NY.
I have had a ton of problems with this company. My rep is a liar of all sorts, he told me he would take care of my bank and cancel everything for me. His company would pay for any fees that my old company would charge me.
None of that has been done and he has been beating around the bush and avoiding my calls and texts and giving me excuse after excuse when he does answer. He now has my bank statements and documents and was supposed to return them today but magically his daughter had an appointment in a hospital in denver. This isn't the first time either that he has ditched me when he said he would meet with me. I am out about 400 dollars from my old company right now and about 100 of random charges from NAB have not been returned to my account.
I am beyond frustrated and have no idea what I can do to fix this! I called customer service like the post says above and they just jerked me around just like my rep has been doing. They told me it wasn't their problem and they couldn't do anything about it because they are individual reps. Bunch of [censor] if you ask me that they couldn't help me out at all it's there f-ing company.
Bunch of scammers if you ask me.
Credit card scam
After opening my own business here in San Diego, California, and many conversations with ALEXIS at NORTH AMERICAN BANKCARD, I decided to choose North American because she assured me, point blank, that their was no minimum monthly sales quota. I unfortunately discovered a month later that SHE LIED, completely, and I am more than mad, I feel extremely taken advantage of especially because I asked every question to ensure that I was choosing the appropriate company to open my merchant account, and she LIED. First of all, my equipment arrived over a week late. Second, the beginning of August, North American withdrew way more money out of my business bank account than promised, and it caused tremendous problems. I called them immediately only to discover that there is a $1700 minimum sales quota and if not met, additional fees are charged, automatically taken from my account. In addition, the manager of customer service was like talking to a robot, and funny how the sales person; Alexis in San Diego, was no longer available to talk to. And there is MORE, they are in breach of their own contract and to date, today, August 11, 2008, I have not received my merchant statement to account for all of the fees withdrawn form my bank. I am closing my business account tomorrow because I don’t trust North American having access to my account. I called customer service for the third time, stating that I want my fees reimbursed, she point blank said; “no, we will never do that”, and I got the run around. I also shipped back my equipment certified mail last week, so I have done my part. I have to say, I am so glad, by the grace of God, that I found out about the UNETHICAL PRACTICE of North American Bankcard eight days before the forty five day cancellation period. I was lied to, and please RUN AWAY before you get in to deep. I am shocked at the unacceptable business practices of North American Bankcard, and I doubt they loose any sleep at night
The intial information supplies turned out to be false. After my wife died, her business closed. I contacted this company to tell them just that and was told that the account would be cancelled. It never was, even though no more credit cards were ever again processed. They in turn entered a collection against me for $418.00 in January 2009 and never told me that they intended to do so. There was never any money owed, I still do not know how they came up with a collection of $418.
Do not do business with this credit card processor. Their technical support is either inept or unethical. They co mingle daily credit and debit transactions so that the deposit into the merchant checking account is impossible to reconcile. Their technical support is no help when you call them. They are not able to answer any questions without putting you on "hold" for 5 to 15 minutes each time you call.
In addition the sales person who quoted me low rates was mis informed or lied to me. I have been in business for 33 years and have dealt with numerous credit card processors and North American Bank card is the worst processor I have ever dealt with. I left them and returned to my old processor so that I could sleep at night. Stay awat, far away from this organization.
I'm a small business in Arizona and I have been using Chase Paymentech for 8 years, before I tried North american bankcard. I use a call-in system and was surprised when the first two transactions I called in were denied. Then I called NAB only to find that these transactions were actually debited from my client's card, even though the system had said "Denied". I quickly switched back to the old system I had used with Chase and my story would have ended there if I had closed the account NAB was drawing my funds from... Unfortunately I had neglected to close my account and NAB went ahead and helped themselves to a monthly fee they had never even mentioned that I would be responsible for. I have never paid a monthly fee with Chase and they have never done me wrong, so I will be sticking with allowing them to provide my credit card processing. After several communications with NAB I am convinced they are simply a group of thieves.
Horrible company... Don't even give them a chance... They overcharged me for $750.00 and assigned me to collections. Years later still trying to get my credit report clean. Don't trust them at all.
Wow, I am very surprised that so many of you have had a bad experience with North American BanCard. I am a Sales Agent here in the Los Angeles area. I have several Merchant Accounts that I have signed up and they are completely happy with the services and the low fees. I have saved most of my merchants thousands of dollars off of their fees. Too me it sounds like the Represenatative is either very inexperienced and may not have set up your service correctly or maybe he or she is just careless. I'm sorry to hear that from all of your negative remarks. Here's how you can tell if your Rep. is going to do a bad job. If he or she never pays your a courtesy visit. I always pay my merchants a visit, because things change and I want to see if the're happy with my service and the terminal. One more thing...all merchant service companies have service agreements, I know I have worked for 4 different processers and one company did not require a contract, so the rates were much higher, so beware of No Service Contract. Because you will pay more in the long run. If you have any questions or need my help contact me anymerchants@gmail.com
Yea, part of the money goes in your pocket. STOP THE LIES AND THE FRAUD!
We own a sushi bar and japanese restaurant here in indiana. We become a client of NAB because we borrow some money from one of their division company. I was told and confirmed that the fund is available within 48hours, however this is the second times where the fund is not available.
I called (and oh boy the hold is way too long at least 20min before anyone answered) and spoke to a lady from ext 1941 was told that my bank rejected the deposit or kick out the deposit so she ask a letter with my bank letter head stating that our acc is active and we accept any deposit or ach credit. So i went to my bank and tried to get the letter and making sure that my acc is active.
The bank refuse to give that letter (no financial institution will, cause it will open so many opportunity for people to miss'use it) and my acc is active because amex deposit is cleared.
Have to call back and forward finally she just simply said oh there's a glitch on our system so that thursday deposit was not deposited untill now (wednesday the following week).
Why would she didn't make sure first before we have to go to the bank wasting our time.
The way they taking care our problem is very unproffesional eventhough supposely she followed protocol.
Why would she being rude to us and not listening to our concern while the glitch is in their end and we are the one who suffer the consequences. So now i was told that they will reimburse the fee that the bank charges. As soon as we paid our debt i will change my credit card processing company back to payment tech by chase they are the best.
Wow.
I'm a small business and have had their wireless card reader for almost a year. We have had zero problems with them. In fact cable broke recently, they overnighted one the next day. Dropped machine and it stopped working, they sent a new one out next day. Never had any over problems with their billing, never have had any problems with anything what so ever. Other than the fact that the wait time is a little long on the phone... (who doesn't seem to have a long wait time?) All customer service reps have been clear speaking and very knowledgeable about their equipment and billing issues.
We are really happy with them.
Small Business Owner,
Peoria, Illinois
How much they paid you to post this ?
I filed a BBB complaint, they value their rating and will usually respond with a resolution so they can attempt to maintain it. Get this, they begrudgingly agree to refund the stolen mybizperks fees but when I get my statement, they had signed me up AGAIN for it and stole the "fees" from my checking account! I've filed another BBB complaint. I urge EVERYONE to take 5 minutes and file complaints. They must be stripped of their rating!
Try returning the equipment after waiting for the contract to end! I just want the address! I've been waiting 4.5 months for a return phone call. I've called multiple time. I will continue to have the charges reversed in the account because the charges are not authorized. The contract ended 02-06-2011. Today is 04-06-2011. What a scam. I will never do business with HSBC or North American Bancard again. Today I am on hold again for with no one to talk to.
If anyone knows where to return the equipment, please post!
Thanks!
Absoultly agree with ALL of the scam charges at NAB! They are devious scammers. I have opted out of the mybizperks.com scam over and over and still they keep charging, correction, stealing from my account!
Totally agreed with you !
Year contract turns into three year when try to cancel
I was told that this was a year contract and that I could cancel after a year and that the credit card machine was mine. I have been with this company for 16 months and I just tried to call in to cancel my service with this company and I was told that I have another 20 months on the contract. If I cancelled now, I would have to $500.00 and send back the machine. ($25.00 a month X 20 months). I was told that I could pay $25.00 a month until the contract ends but that I could not accept any credit cards. The funny part is, is that I still have to return the credit card machine that was free. Why do companies think that they have to take advantage of the little person? I got the credit card machine to accept credit cards at the flea market, it didn't work out and know I can not cancel. Is this right? Should a company be that greedy, not to allow somebody to cancel a product or service for a reasonable fee?
The complaint has been investigated and resolved to the customer’s satisfaction.
Has anyone been able to resolve their termination fee issue for a non contract? I closed a bank account per my bank, they said they legally cannot take the money. North American Bancard sent it to Collections and after 6 years of being done with them and refusing to pay their false termination fee of $295, which has gone up to $664 and I've got a collection from Allen and Associates on my credit report, screwing everything up. I would appreciate any input on anyone having success of getting these predators and leeches out of their life.
they ###ed me over too! i own axis power racing. they were suppose to charge me a monthly fee of $5.00 plus percentage of what i ran through the machine. my machine stopped working and i tried to call the numbers on the side of the terminal and couldnt get ahold of anyone? i saw my account was being charged alot more than the $5.00 and so since i couldnt get ahold of anyone at the numbers provided i put a block on my account. these ###s went around the block by changing their name from na bancard to global payments and ripped me off for another $980.00! after i put the block in place no one tried to contact me what so ever to see what was going on they just took it upon themselves to commit fraud. but my bad right i should have just closed that bank account. thats ok when i have to be an ### im perfect at it! HEADS UP NA BANCARD/GLOBAL PAYMENTS HERE I COME
They need to be taught a tough lesson about deception...The people running this operation need their ### kicked...I will be the
first in line for a class action lawsuit, which is no doubt coming...
They scamed me also!
I am agree with all above complaints, it is true and be sure to email all your friend about this company .Please let me know how we can start law suit them.
I don't know why I fell for the stupid 3 year contract deal and didn't read the fine print. I'll never do that again and I'll never do business with NAB after my contract is done. What a joke of a company.
Hello Everyone,
My phone number is [protected]. Anyone that wants to get together to get our money back, please give me a call and get someone's attention to back us up. Anyone who has expertise on this kind of business malpractice, please help.
They are doing the same thing to my business and my mom's business. The $9.95/month charge for Mybizperks was charged to both of our accounts since last July without our knowledge, finally called them on it yesterday and it took me over 2 hours to cancel the Mybizperks and only be able to get 3 months of the 9 months that they've been charging my account. They even lied to me and told me that they started charging my account since October, even though it was last July! They also charged both of our accounts $99 each for MYPCI fees. I can't believe that they, which is really large amount for something that they should provide anyway with the amount of money they made off the processing. I wished that I hadn't sign up with this company. Only have to deal with them for another 6 months before my contract is over.
I fell for their trick also. I cancelled the account on Dec 2010. I received a cancellation confirmation and every end of the month they debit fees as if I'm still their customer. I called today and their senior rep says that I have a second account that I have not cancelled and its beyond my 45 day cancellation period. The funny part is when they send me a contract that my salesman gave them, it shows more pages than the copy he gave me. He actually had the nerve to forge my initals on the pages he never showed me that shows a contract. I'm ready to take these guys down if you are. Let's get a big number of their victims and sue and get our moneies back. My number is [protected]
Agreed, agreed, agreed!
Deceptive scam artists. I trust African Prince million dollar emails more than these guys. Stay away! They will share your most personal information then charge you for scam sites. Mybizperks.com will just start appearing on your bill charging you $11.95.
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North American Bancard emailscustservice@nabancard.com100%Confidence score: 100%Supporthelpdesk@nabancard.com88%Confidence score: 88%supportcssales@nabancard.com87%Confidence score: 87%sales
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North American Bancard address250 Stephenson Hwy, Troy, Michigan, 48083, United States
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Dear Ms. Earle,
We would like to take this opportunity to apologize for the misunderstanding regarding your merchant account and any inconvenience that has been caused. In regards to both the closure of your account and the debits that have occurred
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.
Upon further research of your account you will receive a response via mail.
Again, we do apologize for any misunderstanding.
Please feel free to contact me with any questions or concerns.
Thank you for your time.
Sincerely,
Veronica Jackson
Research Analyst
NABC is terrible. The agent who signed me on assured me there was no contract and now that I am not using them I am being charged 295 for ending a contract! I see this is a very common complaint and needs to stop. I am a small new business with no money! NABC took more than I made almost every month I had them. I turned them into the BBB as I see so do many others. I am speaking with Attorney Jeff Boyde right now and they are taking depositions for a class action suit. This company is ripping people off like crazy. I was told by priscilla in their collections department that I needed to speak to Mark Ryan who signed me up or someone in customer service to figure out the contract issue or would go to collections. I emailed, called and left messages daily for 2 weeks and got not 1 response! Hard to solve an issue if they wont talk to you so she says they are going to send me to collections. SUPER! Drain my bank acct often, get me multitudes of return item and OD fees and now mess up my credit. Fantastic tell everyone DO NOT TRUST NORTH AMERICAN BANCARD!
Dendro,
We are willing to work with you, and anyone else interested, in resolving your concerns. If you would like to find an amicable outcome to your issue, you may contact our Research Analyst, Scott, at [protected], extension 1256. You may also write Scott at scott@nabancard.com. While we remain unaware of your issue and specific account information, we in the Research department are committed to assisting you in any way we can.
Thanks,
Rebecca Paull
Research Manager