- Report: #290878
Complaint Review: NAB North American Bancard - Troy Michigan
-
Author Confirmed
Why?
NAB North American Bancard
969 Chicago Road Troy, 48083 Michigan, U.S.A.
Phone:
800-226.2273
Web:
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NAB ,North American Bancard. Mislead ,lied about minimum transaction amount to avoid $25/mo Fee Troy Michigan
I am a massage therapist with a new private practice clearing $2,000-3,000 per month and slowly growing. None was on credit card sales. I wanted to offer it as a convenience. I would NEVER of agreed to a $1,000 minimum transaction amount if I was told that on the phone.
Before signing on with NAB in August of this year I asked the sales rep (Mr. Windborn)on 2 phone calls what did I have to do to avoid the $25 per month fee and his response was to ,just use the machine. He never told me about the $1,000 transaction minimum.
Again I would never had agreed to this In my practice I may NEVER get that amount..
In August I signed the contract after:
Saleman Brian Windborn did not tell me of the $1,000 Minimum tranacations per months. And Agreed to not start my account until Sept 1st, 2007. However I Was billed for August. ($1,000 min not met) and Was sent machine with wrong software.
I then:
Went on vacation then
Sent back machine after being asked to find an analog phone line which took 3 days and a huge waste of my time to Download the right software. I Never found analog line and I Sent back machine. I Received new machine end of September. I was Charged for September ($1,000 min not met). (WHY?) I had no machine or the wrong software?? The Machine not working called up and had to install other software (again).
ALSO:
Mr. Windborn told me of the $100 referral program.
I referred 2 people (one I know is active)
Called and emailed Mr. Windborn and evaded 2 emails and once on phone said would take care of it.
Again evaded my call and email. He Did not take care of it.
I called Customer service and was told a form would be sent out to complete referral bonus. Never got it.
Called again (Customer service) and was assured it would be sent out.On the Same phone call inquired about the monthly fee of $25?? Was told it was for the $1000 min not being met. Supervisor waved it for 3 months as a consolidation.
Called again and spoke to Jessica who states she is sending out the referral form as I never got it! Then I
Called and left voice mail with details of my situation for a sales supervisor (12.5.07)
No call back E mail TO salesman Brian Windborn asking for a mangers name and number (12.11) No response by 12.13.
I am awaiting responses from the merchant sevices experts. I think its tie to change bank accounts so they can stop stealing money form my account.
Stay away from these guys!!!
Marty
Charlotte, North Carolina
U.S.A.
Before signing on with NAB in August of this year I asked the sales rep (Mr. Windborn)on 2 phone calls what did I have to do to avoid the $25 per month fee and his response was to ,just use the machine. He never told me about the $1,000 transaction minimum.
Again I would never had agreed to this In my practice I may NEVER get that amount..
In August I signed the contract after:
Saleman Brian Windborn did not tell me of the $1,000 Minimum tranacations per months. And Agreed to not start my account until Sept 1st, 2007. However I Was billed for August. ($1,000 min not met) and Was sent machine with wrong software.
I then:
Went on vacation then
Sent back machine after being asked to find an analog phone line which took 3 days and a huge waste of my time to Download the right software. I Never found analog line and I Sent back machine. I Received new machine end of September. I was Charged for September ($1,000 min not met). (WHY?) I had no machine or the wrong software?? The Machine not working called up and had to install other software (again).
ALSO:
Mr. Windborn told me of the $100 referral program.
I referred 2 people (one I know is active)
Called and emailed Mr. Windborn and evaded 2 emails and once on phone said would take care of it.
Again evaded my call and email. He Did not take care of it.
I called Customer service and was told a form would be sent out to complete referral bonus. Never got it.
Called again (Customer service) and was assured it would be sent out.On the Same phone call inquired about the monthly fee of $25?? Was told it was for the $1000 min not being met. Supervisor waved it for 3 months as a consolidation.
Called again and spoke to Jessica who states she is sending out the referral form as I never got it! Then I
Called and left voice mail with details of my situation for a sales supervisor (12.5.07)
No call back E mail TO salesman Brian Windborn asking for a mangers name and number (12.11) No response by 12.13.
I am awaiting responses from the merchant sevices experts. I think its tie to change bank accounts so they can stop stealing money form my account.
Stay away from these guys!!!
Marty
Charlotte, North Carolina
U.S.A.
2 Updates & Rebuttals
Marty
Charlotte,North Carolina,
U.S.A.
Marty's (victims) response to NAB's rebuttal
#2Author of original report
Fri, December 28, 2007
The bulleted highlights continue form where the first post leaves off. E mail to Kimberly Tippin Director of Customer Contacts North American Bancard 800.226.2273 Ext. 1050 [email protected] She responded in e mail and said it would be resolved by weeks end 12.21 3rd request for credit referral form $100 for referring a peer / friend and has never been mailed. Sent this info to Kim Tippin via e mail 12.19 An e mail response the following (12.21) day from K Tippen, A written response along with necessary paperwork has been mailed. Please allow a few days for delivery. Received a letter form Jennifer Fornatoro (customer service manager) who as a courtesy is allowing a $0 cancellation fee for terminating my contract if the letter is signed and faxed before January 11th. Mailed 12.27 and faxed 12.26 signed termination agreement and cc machine, signature verification. Received e mail of cancellation process completed. 12.28 In short: A sales manager never did call me, nor did Jennifer Foratorno, nor Kimberely Tippen regarding the salesman's misleading me. Nor has any referral program bonus forms been received by me (for the $100 bonus). Are they "admiting" gulit by letting me off the hook or just avoiding a headache customer. Lessons: Read all fine print - even if its in 3 point font. Do your on line research before committing time or money to any company. Thanks.
Kimberly
Troy,Michigan,
U.S.A.
Marty, Charlotte, North Carolina, NAB Response
#3UPDATE Employee
Thu, December 27, 2007
The below response was sent directly to Marty on Dec. 19, 2007. Dear Mr. XXXX: In response to the above-referenced merchant complaint I am providing the following information. We would like to take the opportunity to resolve this issue without further delay. You, Mr. XXXX, knowingly and voluntarily signed a Merchant Account Agreement Application, and Free Terminal Program Agreement with North American Bancard on or around August 13, 2007, for a term of 36 months, upon which time you agreed to all terms and conditions contained within the Agreement. Regarding the fees that have been questioned, the pricing schedule found on page 6 of the Merchant Account Agreement clearly outlines all applicable fees. These fees include, but are not limited to, the monthly minimum discount fee of $25.00 and the monthly basic service fee of $10.00. In regards to closing your Merchant Account early, section 13 of the Agreement states that 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. As a courtesy, however, NAB is temporarily waiving the early cancellation fees associated to this agreement. If you choose to accept this temporary offer, then the cancellation letter included in this packet must be signed and returned by January 11, 2008. In the event the cancellation letter is not returned by January 11, 2008, then the full cancellation fees will be reinstated. In conclusion, your Merchant Account will remain open, and no further adjustments will be made at this time. Should you have any questions regarding this response, please contact our offices. Sincerely, Jennifer Fornatoro Customer Service Manager Cc: Kimberly Tippin, Director of Customer Contacts
