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North American Bancard / Fradulent and Deceptive

1 Mortons Gap, KY, United States Review updated:

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.

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Comments

  • Rp
      17th of Feb, 2010
    0 Votes

    Johnson's Sales & Service (MID 1xxxx6)
    First and foremost, I would like to apologize for any inconvenience that you may have experienced. Our records indicate that you signed a Merchant Account Agreement Application as well as a Free Terminal Program Agreement with NAB on or about October 23, 2008, for a term of 36 months, upon which time you agreed to all the terms and conditions contained within the Agreements.

    On Page 10 under the Merchant Acceptance portion states, “A copy of the Card Services Terms and Conditions, revision number 08/07, has been provided to you. Please sign below to signify that you have received a copy of the Card Services Terms & Conditions and that you agree to all terms and conditions contained therein.” Also states under the Individual Guaranty the following, “I/We have read, understand, and agree to be bound by the terms and conditions contained in this Agreement on pages 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10.”
    In regards to the sales agent assigned to your Merchant Account, we have a lot of independent sales agents that work for NAB. You stated that money is still being taken out of your account even though you haven't processed. Your Merchant Account will continue to be debited for the monthly fees. We did receive your early termination request as of February 12, 2010 and please be advised that cancellation process can take up to 30 days. Please be advised that you may be subject to early termination fees and you can contact Customer Service for further information regarding this potential fee.

    In closing, any and all fees still apply, as well as the terms and conditions of the Agreement. Should you have any questions regarding this response, please contact our Customer Service Department at 1-800-226-2273.

  • Li
      26th of Mar, 2010
    +1 Votes

    I am also a small family business. I was solicited by this company in January 2007, and was told a pretty story by their sales rep. Don't believe everything that you hear. I tried to do the homework, to make sure that they were a good company to trust my money too.
    You have a 30 day cancellation period, I got my first statement 45 days after the grace period...go figure.
    I tried for months to talk to the actual sales rep, no return phone calls. Everyone that I talked to were very rude. I wanted to cancel, it was only $2000. 00 to cancel my contract. So, I was supposed to of been on a 1 year contract. I couldn't read the actual contract that they sent me, it stated a 3 year contract. I also was quoted a percentage rate that is no where near what I have been charged over the past two years. I have had other companies look at my statements, only to tell me that I am getting ripped off! I am paying anywhere from 1.59 to 3.45 percent for the exact same cards being used. No logic to the madness, just being ripped off! I am also paying crazy rates for surcharges and per item charges. It's never ending. All I can say is, this is the worste excuse for a business. I was scammed, do not use this company!!!
    I will finally be out of this ridiculous scam soon, thank god for that.

  • Rp
      1st of Apr, 2010
    0 Votes

    Dear "lied too",

    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 the cancellation period, we have a satisfaction period of 45 days from the day you were approved. Out statements go out the first week of every month to all of our merchants and when you get it would depend on the post office.

    Within the Terms and Condition, Section 5 of the Terms and Conditions clearly states, “Merchant agrees to pay and Merchant's account(s) will be charged for the discount, fees, and other charges described in this Agreement.” If you were being charged different fees than what you signed for, you can fax paperwork into the Customer Service Department fax at 248-283-6062 for research.

    In regards to the length of the agreement, 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.” If there was an amendment to the length of the agreement, that can also be faxed to our Customer Service Department fax.

    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 Diana at 248-283-6059, so that your specific situation may be properly researched and addressed.

    Sincerely,

    Rebecca Paull
    Research Manager

  • Wi
      30th of Mar, 2011
    0 Votes

    I am an owner of a small business who was enticed by a representative of NAB to switch processing companies with promises of low rates and fees. Well, NAB has raised my rates to 3.31% across the board and they are charging me a fee for "My Biz Perks, " a service that I know nothing about and is not described anywhere that I can find in the Terms and Conditions sent to me or in my original contract. I love NAB's fall back line that essentially says, "Sorry sucker, but you signed the agreement and we can charge you whatever we feel like." I am in the process of cancelling my service and switching to a provider who has much more transparency in their business practices.

    The Wine Shack in Cannon Beach, Oregon

  • Rp
      4th of Apr, 2011
    0 Votes

    Dean,
    It is regretful that you are unable to see the value in our www.mybizperks.com program. Our intent in supplying you with a free 60 day trial of the service offering free supplies and online statement review, is to allow you to experience the savings and convenience of the service without having to ask for it. In the rare case that you are uninterested in taking advantage of the many amenities derived from this offering, our customer service department is happy to assist you with opting out of the program.

    The rates on your account have not been raised to 3.31%. A couple of reasons why you were charged this rate is because you ran non-qualified transactions such as business, and world cards. The low qualified rate is still being charged to a number of your transactions as you can see on your March 2011 statement. Your rates may possibly be lowered by speaking with customer service in regards to our rate quote review options.

    Please call our customer service department at (800) 226-2273, extension 1300 for assistance with these matters.

    Thank you, and we appreciate your business,
    Rebecca Paull
    Research Manager

  • Rp
      31st of May, 2011
    0 Votes

    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 (800) 226-2273, 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.

  • Du
      13th of Dec, 2011
    0 Votes

    Dear Rebecca,
    Why you did not response to our letter date November 16, 2011 regarding the issue that the NAB refusing to provide us the equipment and software as clearly indicated in the application? But, one year later the account (No. 8788290220884) placed in collection?

  • Rp
      14th of Dec, 2011
    0 Votes

    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

  • Du
      14th of Dec, 2011
    0 Votes

    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?

  • Rp
      22nd of Dec, 2011
    0 Votes

    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

  • Du
      24th of Dec, 2011
    0 Votes

    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!

  • Du
      29th of Dec, 2011
    0 Votes

    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."

  • Rp
      30th of Dec, 2011
    0 Votes

    Again, We have responded to you via email.
    Thank you,
    Rebecca Paull

  • Du
      30th of Dec, 2011
    0 Votes

    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.

  • Rp
      3rd of Jan, 2012
    0 Votes

    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

  • Du
      31st of May, 2012
    0 Votes

    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! ?

  • Rp
      13th of Jun, 2012
    0 Votes

    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 1-866-485-8999, extension 1251or via email vjanckson@nabancard.com.

    Sincerely,
    Veronica Jackson
    Research Analyst

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