Complaint Review: North American Bancard

I just noticed a charge of $3.99 that was withdrawn via ach from my checking account by Global Payments.  A small amount to be sure, but still, it's my money.  I called by bank to find out about this charge, and together we called Global Payments.  Global Payments said they withdrew the money on behalf of their customer, North American Bancard.  My bank and I have now been on hold with North American Bancard for over 20 minutes, and all we've accomplished is listening to awful music.  When someone finally picked up the phone, they said they had to transfer me to PayAnywhere.  It turns out I obtained a mobile card reader from PayAnywhere about 3 years ago to accept credit cards, but I have never accepted any credit card transactions and never even took the card reader out of its box.  So PayAnywhere decided to terminate my account, which was fine with me, and they charged me $3.99 for the privilege of terminating my account.  They have refused to refund my money, so now I have had to file a protest with my bank to get the charge reversed.  Again, the amount is small, but this same company is probably scamming millions of people with the same unauthorized fees hoping no one will take the time to fight these fees since their time spent fighting the fee is undoubtedly more valuable than the amount of the fee being contested.