As we have read on many complaint forums regarding BANKCARD USA / MAVERICK BANK CARD, is the same thing that happened to us. We strongly advise anyone doing business or thinking about doing business with BANKCARD USA to clearly stay away from this company.
We were approved without any problems by RYAN ZONE from Bank Card USA in December 2008 for a merchant account. So several days before christmas we started processing credit card orders via our website. Bank Card USA immediately stole the funds from customers and wanted us to provide proof we had shipped items out in the 72 hours we started processing credit cards without even receiving any payment from them whatsoever. We were not going to place our company in a position of being out the funds and the product. Bank Card USA had no reason to steal customer funds whatsoever, there real intensions where to take the money and never send them to where they were supposed to go.
Bank Card USA had the odasity to state to us we owed them processing charges for money they never deposited into our bank account. We never received a dime from this bastards since the first day we processed. So instead of having these crocks hold onto the money we initiated refunds to about 100 people. 2 days later we get an email from the Risk Management Department Jeannie Moss stating they were cancelling all the refunds we initiated to customers and we were responsible for the chargeback fees and the amounts which they were stealing from customers. Additionally, they wanted to again charge us for fees resulting in the refunds we had initiated.
We tried numberous times in January to contact Moss to stay here's the 60 bucks take it and get lost! Bank Card USA and Jean Moss have a habit of not answering emails and disconnecting the fax machine when items are being sent to them.
We already contacted 2 lawyers from our 2 California offices, the Federal Trade Commission has been contacted and we are in the processes of establishing a face to face meeting with Visa & Mastercard to take further action against Bank Card USA if they attempt to do anything to which will disrupt our business operations. Any and all means will be taken in order to protect our company.
We lost business, not to mention, our company reputation because of Bank Card USA, which might lead to a Liable Lawsuit to be filed against Bank Card USA if any of the card holders in which we initiated a refund to thinks it was us that took their money. We have all receipts and documentation from Bank Card USA stating clearly we initiated the refunds to all customers and Bank Card USA was the one that didnt return the money back to these customers.
Bottom line, DO NOT DEAL WITH BANK CARD USA, they will put your credit history, your ability to get another merchant account, or run your business. They are a bunch of scum bags!
In the future do a search for any merchant processing company to see how they treat their merchants. Bank Card USA has over 500 known complaints on websites - the number we know is higher because these are the only the people who wrote on message boards on how they were victimized by this company.