North American Bancard
Reviews and Complaints

BEWARE OF THESE CON ARTISTS: This "bank" is the biggest joke and fraud business I have ever had the displeasure of dealing with. After speaking to Regina Foster from Michigan multiple times I realized I was going to get no where with all of the excuses she kept giving me for not refunding any of my money for an account I NEVER used, opened and closed the same day in 2019 and have multiple proofs of. We will be seeking a lawyer and will never stop pursuing this until it is resolved. I will continue to warn people on multiple business platforms in regards to this.

This business is a complete SCAM. I have opened and closed my account the SAME DAY back in January of 2019. I have proof and they have confirmed via phone multiple times. and for 4 years they have been charging my account a monthly fee of $7.95. They are STEALING from innocent people. I have never even given them authorzation to charge a single dollar, I have never used their services in anyway.

The account was open prior to Covid. All the people involved in establishing this account are no longer with the organization Flowertown Players, Summerville SC. we run our ticketing system through AudienceView. They transfer money to our back using Authorize.net. We have money stuck that is not moving to a patron's account. Authorize.net will not speak with me until I have my merchant ID number. I can not obtain that from you because I do not know the name of the sales person, who opened this account or any of the other million of questions asked by a person who does not speak clear English! I don't know what to do to obtain this information. No one in this very small organization does not now this information either. Please help me

12 months ago i canceled my account with this company. THey kept charging my account for some reason ( processing fees without even using services? already fishy...) so i kept canceling. 5 times. FInally i placed a stop payment on my bank account to put an end to this and they changed the amount to keep stealing from me. $1,113.04 later and they are still charging my account. THis is not a business this is a scam.

We utilized NAB/Authorize.net in 2014 and 2015. We have not utilized their service in several years, but have spent several months of 2022 fighting with them about cancelation of our merchant IDs. Their own cancelation request form warns that we will be responsible for paying the balance of our contract which expires in 2017. Yes, you read that right, 2017.

To be clear, NAB has provided us with zero services - zero work being done for our organization - for YEARS, but even after two notarized, certified letters we had to block them from ACH-ing our account because they would not stop billing us.

My hope is that this review can save just one person/company from the headache we are going through.

April of 2021 I was solicited to allow this company to process my credit card payment at a low fee processing fee. I let the sales rep know that I had equipment thru Clover can I still use that equipment. The sales rep stated the equipment I had wasn't compatible and that they had their own equipment. I received three mobile devices in which I told the rep I needed a Main Terminal and was told she would look into the other equipment. I was then charged fees for processing thru my bank account I never processed any credit card payments so I called customer service I was informed that the fees was in error never receiving my money back. I had contacted the Sales department in which I was told they didn't have A Main Terminal in which I canceled the account I was told I would receive tags in my email to send the equipment back in September 202q I never received the tags. I had been calling this company to resolve these issues with the reps giving me the run around. A year later I received collections stating I owe this company $2975.00 in which they use Southwest Recovery Services I spoke with Justin Goldstein who was harassing me for these payments he was very rude and disrespectful he had no regards of me explaining to him what happened and why I didn't owe this money. He was just trying to make his quota. I spoke with Carolyn who advised me that she would take care of everything after I threatened to sue them. She explained to me that tge fee was taken care of but the Team wants me to pay $750 early termination fee in which u refused How us this company charging a early termination fee when I never processed any payments nor did they have tge equipment for me to process payments. I have spoke with their Client Relations department in which they stated the $2975.00 is from New returning their equipment back a year later and that I had ten days to return it without being charged. Why would I pay $2975.00 for equipment to return it back to them? If that was the case I should own the equipment. This company has been sued for excessive fees, contract, and rates changing the contract charging for equipment don't don't work.etc etc This fee was reported to the credit bureaus

Received this email from North American Bancard today; it was sent through donotreply@simplicitycollect.com. The message is copied to tratchford@paymentshub.com to reply to the email and cc'd to payments@nabancard.com.

1/22/2022

North American Bancard

250 Stephenson Hwy

Troy, MI 48083

866.476.0797

Vanessa King

Queen Nefertiti Productions

MID: [protected]

Current Balance: $134.00

Total Due / Tied MIDs: $134.00

Dear Vanessa King,

Please be advised that a recent attempt to debit your bank account has been returned unpaid. As of 1/22/2022, we have not received payment on your account. North American Bancard provides credit card processing services to you through our subsidiary National Bankcard.

To avoid interruption in your credit card processing services, please contact our Collections Department immediately at 866.476.0797. You also may make your payment in full online at: https://app.simplicitycollect.com//PaymentPortal.aspx using your Merchant Payment ID:

[protected]

When paying through the self-service Payment Portal, please do not enter your Social Security Number.

Due to the Coronavirus (COVID-19) crisis, we are discouraging payments through the US Postal Service at this time. If we do not receive payment from you, we will be forced to examine all available remedies, including but not limited to negative credit reporting and/or legal action.

Nothing in this letter (or any subsequent discussions we have had or may have about your payment default) is or shall be deemed to be, a waiver of or a consent to any default or noncompliance, now existing or hereafter arising under the Agreement.

Please disregard this notice if your balance was paid previously.

Sincerely,

NAB Collections Department

866.476.0797

I DO NOT owe this company any money. I do not owe this company any money. I had two merchant accounts for two portions of my company that I may process payments for with them but closed the accounts because I never processed any credit card transactions and they charged $30 per month for each acoount I had even if I did not process any transactions. The card readers they supplied were shipped back to them in September 2021 when I closed the account.

I now received this message stating they've been unable to collect $134.00. I do not owe them any money; no transactions were ever processed and no money was owed at the time the accounts were processed. I have never received notifications from them about this until now; no letters, no emails and no phone calls. Notice their email message states to pay to avoid interruption in my credit card processing services, but my account was closed by me over 5 months ago.

Note: Notice the merchant ID number indicated to use to submit the payment is different from the ID at the beginning of the message. My merchant ID was the first account mentioned [protected]). I think the Merchant Payment ID number shown when submitting payment ID is the merchant ID for National American Bancard through the payment collection system with simplicitycollect.com. I also have forwarded the email with a complaint to Simplicity Collect to make them aware of the tactics being used to try to scam people out of money that is not owed.

Canccelled my account eas told i would recieve information about address to return equipment did not recieve that information l contacted customer servicebthey sent me an address to send equipment notth American bankcard charged my account $895 they recieved their equipment but refused to credit my account why would they tell me where to return if they had no intention of returning or crediting my account that is what i call thievery you have your equipment credit my account

Total Merchant Services, North American Bancard, LLC, Inovio Gateway services, Money Machine, CDITech, Electronic Payment Exchange, Humboldt Merchant Services, PayAnywhere, LLC.Point & Pay, Rapid Capital Funding, Velocity,

Lets talk about this disgusting company I have been a agent for them for over 8 years got a good profilo with them And was doing good till the new ownership came in And the nightmare begins.

This company is the worst to do anything with, new accounts, terminal programming, gateway services, cash program, take back bonus agent support, Merchant support, closing accounts I don't care what it is its like doing bushiness with a bunch of kids with bad attitudes the worst part is thy have no idea what there doing, all my clients I switch out, Amen!The fees keep going up BUT you don't get any more money thy have every excuse to not pay there agents if you have a family and build your profile keep a eye's on your accounts before you lose everything like I almost did I was one step a head of theses thefts I do a deal a day so there best agent and the owner Marc Gardner choundent make my coffee if thy tryed. I have my own system now and the nightmare is over if your a agent working for this companys go to visa pay the 10.000 get regressed and live your life stress free I can't see this company making it much longer the scams the lies I feel real bad for any agent or merchant with any of theses companys, money always being took out of merchants accounts if thy can't get it from your clients thy just go to your account like your Joe bag of donuts the jerkoff's reck life's and destroy companies. take it from someone who has lived with the stress from this company, its not wouth your time or money there agent program is padded and not what thy say it is, you have to get in bed with all your merchants to keep geting paid or you have to worry about the compmay taking your money.so do you what to be a agent now RUN and RUN fast

www.inoviopay.com
www.moneymachinellc.com
www.cditech.com
www.epx.com
www.payanywhere.com
www.rapidcapitalfunding.com
www.nabvelocity.com
www.totalmerchantservices.com

my account no [protected]
We agreed to use North American Bancard for credit card processing. We agreed to pay a percentage of each transaction. We did not agree to a monthly fee, and we were not charged one. Until we asked them to close our account. 3 Months later they begin taking money out of our bank account. Charging us a monthly fee we did not agree to. We had to stop payment at our bank... Because every month they try to take our money now finally they closed my account after 3 years and put me on collection i need a adjusment to cancel the fees and make it 0

we had been happy customers of nabancard. in april 2014 we started a going out of business sale for our business Busenbarrick Fine Jewelery in winterset iowa near the end of our last days of our sale per there instructions we sent a letter of termination due to the closing our business, we heard nothing more from them and assumed the account or relationship closed we sold our building in aug 2015 in jan 2015 our accountant brought to our attention that unauthourized debits had been occuring we called and a rep apologised and said she would try to get our money returned she asked why we terminated and i mentioned we were restoring a historic property and planned to reopen later in the fall she suggested they could place us on seasonal status at no charge and that she would get the money returned to our account we went south until april where we learned they had continued to make unauthorized debits when talking to a rep she refused to recognize me as an agent for the company i asked if i had anyway to communicate with them to fix this she said no i spent 36.00 to put a termination of there debit rights they using a sophisticated hacking into our bank by there collections department liquidated all our remaining funds and charging me an overdraft of several hundred dollars in trying to resolve this the collection department told me they would continue to attack and ad fees to the already terminated account until i re submitted a termination letter they can not or will not give an address to write to or do they have a customer service email that will give this info there is no way to kill this vampire once they get your bank routing info except to close your bank account they have vowed to keep charging the unauthourized debits and add them to a collections account forever, Jere Busenbarrick

Be weary of this company. Without notification and without receiving equipment from this company - somehow they got my bank account information and withdrew $499.75 without my permission. It took several days to track down who was withdrawing monies. After submitting a forgery affidavit with the bank officer notarizing it stating I did NOT open nor authorize them to steal my money. Even after proving it was not me, I have yet to receive my money back. Truly amazing how a bank can commit LARCENY and not think much about it. Now today, I had to complete another form requesting them to stop stealing my money and they would put in the request. They best not try and withdraw any more of my money.

Switched to a new credit card processor over a year ago due to better rates (and friendlier service reps), but was unable to cancel. Every time I try to cancel with NA Bancard they give me a new hoop to jump though. Finally I submit the full cancelation form, and they decide that my signature doesn't look right. How do I find that out? I get charged **YET ANOTHER MONTH, PLUS A NEW RANDOM AND COMPLETELY NEW CHARGE OF $100 more!**. They want me to send more forms, but refuse to refund me the amounts between when I first submitted my cancelation form, and whevenever in the future they actually let me cancel. Hear that? I still can't get rid of them.

I talked to my bank, we are submitting an afidavit of fraud and closing the account. Going to try to recoup my losses this way, since it's clear that NA Bancard are a fraudsters and have no ethics whatsoever.

STAY CLEAR OF THIS GOOD FOR NOTHING COMPANY, NOT ONCE HAS MY BILL FROM THEM BEEN THE AMOUNT I EXPECTED. EXPECT RANDOM PCI CHARGES AND OTHER FEES. DON'T EXPECT TO BE ABLE TO CANCEL. EXPECT TO CANCEL YOUR BANK ACCOUNT.

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 by them of
having a friend at north american bancard 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.

I switched from my bank's credit card processing service because the price was higher than what NABANCARD Services had promised me in both verbal and written format. I had all my own equipment so there was not problem with me switching over I was told. However, when I called to have it reprogrammed I was told there was a password on the machine from my old processing company even before we tried to program the machine. When I called my old company I was told there was not password and they should be able to take care of it with no problem. I called back again and informed the person in India of this and was told no, there was a password and they would not even try if I did not have it. So, I was not able to use my machine with NABANCARD at all because it was never programmed.

I do not process a great deal of credit/debit cards in my office but wanted to have the service available for my clients. The amount I was contracted to pay was around $9.00 per month. However, as time went on the payment went higher and higher reaching an amount of $30.65 per month and I had not processed a payment through their system at all. So basically I was paying for the service at over 3.25 times more than what I was contracted for. Plus, they took an additional $100+ out for some sort of Government mandated fee, which of course I was not told about. When I called I was told that I should have been informed of this fee. I found out later my bank had been taking it out month by month and this was why the monthly fee was higher with them. But when I added in the monthly fee plus the one time government mandated fee I was paying more on a yearly basis.

When I called to ask why the service was so high I was told I had not taken a class on credit card processing and that I was being "penalized" for not doing so. The funny thing is, it is not in the contract and I was never informed I was to take this "class". I then canceled my service by faxing in the document sent to me on February 6, 2013. I retained a copy of the fax confirmation after sending it. In March, the $30.65 was charged again to my account. I called to find out why and was told the request had not been received in their office. I informed them I had the confirmation and this was not acceptable to them. I then faxed the scanned copy, actually the original fax again that was electronically stored, to them again. I asked if I would have any further charges from them at all. I was told no, and the account would be closed. I asked for the $30.65 to be refunded to me and I was told they could not do that amount but would refund $25.00 as a "courtesy" to me. I told them it was worth the $5.00 not to have to wait on hold for 35 min.

Lo and behold today I checked my account and there again was the $30.65 charge for April. I called again and also had to wait on hold for 25 min until someone answered. I was now told that they have up to 30 days in which to cancel my account and it had not been 30 days. So, one person tells me one thing and another tells me something else. So, I asked to speak with a supervisor and was told they could not refund me the full $30.65 but that he would be happy to refund me $25.00, again courtesy fee.

If you are looking for a credit/debit card processing company do not, I repeat do not, use these guys. They are a total rip off and will only bleed you dry for fee after fee after fee.

North American Bancard set up a 36 month no higher fee contract and the rates went up after only 4 months. They also quoted 3 tiers but have 6 different % rates (none of which are what the contract is for). Can't get a hold of a live person just annoying hold music that would make me want a root canal without Novocaine. FED UP withNAB for sure. I can't wait until a civil lawsuit takes place and they lose their butts!

They will scam you to sign with them promising you they have the best rate and fee. This company charge me so much fee...when i tried to cancel it...they told me that cancel fee at first was $920, five minutes later talking on phone, told me it's $990. I'm not even sure paying them $990 would cancel and stop drafting fee from my checking account...they lie so many times...i'm not sure what to do. Anyone who might have suggestion...please let me know...[protected]@yahoo.com

Where to begin...their customer service has consistently placed me on hold for extended periods of time and even at one point did not even pick up after waiting for 45 minutes on hold! Their effective rate was part of a tiered program that came out over 4% even though I of course was promised to have lowered cost if I switched. I finally found an honest person in the processing business who exposed the high rates I was paying and told me about pass through interchange rates and even left me a copy of the interchange rates. Here is where the fun begins! I contacted both their customer service and terminal support numbers, as the processor that I wanted to switch to found that the terminals I purchased had a password that was not known. They consistently placed me on hold, I''m assuming so that in frustration I would hang up...I actually did on several occasions, as I have a business to run, not to be placed on hold indefinitely. I was then told that I would have to close my account first, and pay their cancellation fees before they would release my password on my terminals. Their business is built on fraud, scam, high fees and a total lack of integrity. DO NOT DO BUSINESS WITH THEM...EVER! As a small business owner, they lack service, integrity and honesty, which I count as the necessary building blocks to success. If this helps at least one potential prospect, then I have been vindicated.