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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 PERIOD OF USING THEIR SERVICE. Shortly after using their service, we found out many mistakes in the transactions, we got calls from our customers to notify us they got duplicate charges on their credit cards. We spent Days & hours to call and tried straight out the messes. Yet NAB has zero customer services, people work there are very rude, have no idea what they are doing in term of helpful. All we can do is left messages, but get no return calls for weeks. Worst of all the sales rep. Jeremy Davis disppeared after all the troubles surfaced. He did not even return the copy of our agreement that we signed up with him initially. Now, a year later, we asked to end their service, was told we still have 3 years contract with them. We now know for sure that we became one of the many NAB scam victims. We will be reporting this to the BBB and other athuritis to stop NAB scamming others.
The complaint has been investigated and resolved to the customer’s satisfaction.
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Dear Ms. Humes,
We at NAB apologize that you are dissatisfied with the behavior of our outside sales agents. We are unaware of any wrong doing on their behalf, but are sincerely sorry if you were misinformed. We also regret to hear that you report to have experienced a poor service level from our call center. In the past few weeks, our company has received a larger than usual call volume, which unfortunately has resulted in extended hold times. We understand that your time is valuable, and are currently taking the steps necessary to correct the issue. As we previously advised you, due to the reported inconveniences you have endured, we will allow you to cancel our service with no fees. If you need anything else, please contact our Research Analyst, Scott at [protected], extension 1256.
Best Regards,
The Research Department
Dear Rpaull_nab,
Are you telling merchants that the responsibility for the NAB sale reps behavior, who also signed the application, would be of the merchants, not NAB's?
I wrote to you a letter, dated November 16, 2010, trying to resolve the Merchant Account No. [protected], and addressed that the equipment and software as clearly indicated in the merchant application have NEVER been provided by the NAB. Since then we never heard any response from you or NAB, however, one year later, the NAB placed the merchant account in collection.
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
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 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,
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!
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."
Again, We have responded to you via email.
Thank you,
Rebecca Paull
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.
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
This is EXACTLY what PayProTech is doing to us right now...Sales Guy disappeared the second he got the agreement. This is very interesting, they have charged is 300 bux for Zero service. ANd now they are saying we owe another 900 bux to cancel a non existant service. SCAM ARTISTS! We have never run a transaction through either.
bigchinguy,
First and foremost, I would like to apologize on behalf of NAB for any inconvenience that you may have incurred.
In regards to closing the account, section 13 of the Agreement 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.”
Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account, or properly address the concerns you have.
Should you have any questions regarding this response, please have your Merchant number ready and contact our Customer Service at [protected] x1300, so that your specific situation may be properly researched and addressed.
Sincerely,
Brandy Laws
Research Analyst
Rebecca,
You said the account Merchant Account No. [protected] was clear and why do you guys (NAB) still place the cancelled/clear account in the collection?
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
North American Bank Card is the worst company i have ever dealt with. Very poor customer service. We been with them for more than 4 years and we have to terminated our contract after 4 years and they are charging $300 early termination fees even though we been with them more than 3 years. They started applying mybizperk fees for $11.00 without getting approval from us. When i called regarding this charge they told us they send an letter stating that we are automatically signed up for my biz perk and if we want to cancel that we have to call them . They didn't have our signature for signing any agreement. They can't just send a letter and start charging any fees. This is totally fraud. Now anyone can in USA send one letter explaining terms and condition and if we don't cancel that start charging fees because they have send us a letter. Totally fraud company don't do business witht his shady people. Very poor customer service.
Kallak,
First and foremost, I would like to apologize on behalf of NAB for any inconvenience that you may have experienced.
In regards to your cancellation procedures, unfortunately enough information was not provided for us to accurately determine your specific Merchant Account, or properly address the concerns you have.
As it related to the My Biz Perks charge; notification was sent to all merchants 60 days prior to the initial billing. As it states in Section 17 of the merchant agreement: "This 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."
Should you have any questions regarding this response or would like to opt out of My Biz Perks, please have your Merchant number ready and contact our Customer Service at [protected] x1300, so that your specific situation may be properly researched and addressed.
Sincerely,
Brandy Laws
Research Analyst